Home > Patriot Bank > Performance and Condition Ratios
Patriot Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5427% | 5,305 |
| Cost of funding earning assets | 0.4005% | 3,862 |
| Net interest margin | 3.1422% | 5,116 |
| Noninterest income to average assets | 1.0992% | 982 |
| Noninterest expense to average assets | 3.7171% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1193% | 6,009 |
| Return on assets (ROA) | 0.1193% | 6,052 |
| Pretax return on assets | 0.1338% | 6,051 |
| Return on Equity (ROE) | 2.9477% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.9477% | 4,328 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5258% | 537 |
| Assets per employee ($millions) | 2.9970% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6342% | 229 |
| Loan loss allowance to noncurrent loans | 1,356.1404% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 3,399 |
| Noncurrent loans to loans | 0.2680% | 5,213 |
| Net loans and leases to total assets | 37.9954% | 5,956 |
| Net loans and leases to deposits | 41.4290% | 6,095 |
| Net loans and leases to core deposits | 43.1679% | 6,107 |
| Total domestic deposits to total assets | 91.7121% | 215 |
| Equity capital to assets | 4.7251% | 6,596 |
| Core capital (leverage) ratio | 5.0267% | 6,585 |
| Tier 1 risk-based capital ratio | 11.1947% | 5,962 |
| Total risk-based capital ratio | 12.4591% | 5,892 |
| Memoranda: | ||
| Average total assets | $55,312,670 | 5,781 |
| Average earning assets | $48,437,000 | 5,829 |
| Average equity | $2,239,000 | 6,512 |
| Average total loans | $21,245,000 | 6,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,295 |
| Cost of funding earning assets | 0.4009% | 3,957 |
| Net interest margin | 3.1496% | 5,090 |
| Noninterest income to average assets | 0.6858% | 2,249 |
| Noninterest expense to average assets | 3.5645% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1143% | 6,295 |
| Return on assets (ROA) | -0.1143% | 6,305 |
| Pretax return on assets | -0.1286% | 6,301 |
| Return on Equity (ROE) | -3.0710% | 6,408 |
| Retained earnings to average equity (ytd only) | -3.0710% | 5,968 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7422% | 381 |
| Assets per employee ($millions) | 3.1074% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7411% | 224 |
| Loan loss allowance to noncurrent loans | 774.0000% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 3,479 |
| Noncurrent loans to loans | 0.4833% | 4,709 |
| Net loans and leases to total assets | 35.6051% | 6,089 |
| Net loans and leases to deposits | 38.2055% | 6,237 |
| Net loans and leases to core deposits | 39.7180% | 6,248 |
| Total domestic deposits to total assets | 93.1936% | 96 |
| Equity capital to assets | 4.0620% | 6,670 |
| Core capital (leverage) ratio | 4.5208% | 6,659 |
| Tier 1 risk-based capital ratio | 8.9597% | 6,599 |
| Total risk-based capital ratio | 10.2247% | 6,594 |
| Memoranda: | ||
| Average total assets | $55,996,000 | 5,815 |
| Average earning assets | $48,895,500 | 5,871 |
| Average equity | $2,084,000 | 6,590 |
| Average total loans | $21,232,500 | 6,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,920 |
| Cost of funding earning assets | 0.4628% | 3,990 |
| Net interest margin | 3.8482% | 2,473 |
| Noninterest income to average assets | 0.4253% | 4,266 |
| Noninterest expense to average assets | 3.8245% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1094% | 6,309 |
| Return on assets (ROA) | 0.1505% | 6,006 |
| Pretax return on assets | 0.1523% | 6,013 |
| Return on Equity (ROE) | 3.5206% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.5206% | 3,719 |
| Net charge-offs to loans | -0.5210% | 6,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9689% | 401 |
| Assets per employee ($millions) | 2.9505% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5498% | 276 |
| Loan loss allowance to noncurrent loans | 773.0000% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 3,545 |
| Noncurrent loans to loans | 0.4592% | 4,847 |
| Net loans and leases to total assets | 37.4659% | 6,131 |
| Net loans and leases to deposits | 39.4586% | 6,319 |
| Net loans and leases to core deposits | 41.0055% | 6,331 |
| Total domestic deposits to total assets | 94.9500% | 49 |
| Equity capital to assets | 3.3822% | 6,755 |
| Core capital (leverage) ratio | 4.5679% | 6,729 |
| Tier 1 risk-based capital ratio | 9.2576% | 6,638 |
| Total risk-based capital ratio | 10.5160% | 6,617 |
| Memoranda: | ||
| Average total assets | $57,131,800 | 5,835 |
| Average earning assets | $48,828,000 | 5,922 |
| Average equity | $2,442,800 | 6,640 |
| Average total loans | $23,032,800 | 6,078 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,431 |
| Cost of funding earning assets | 0.4819% | 3,947 |
| Net interest margin | 3.4365% | 4,139 |
| Noninterest income to average assets | 0.8455% | 1,957 |
| Noninterest expense to average assets | 3.8884% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1243% | 6,409 |
| Return on assets (ROA) | 0.2137% | 5,959 |
| Pretax return on assets | 0.2207% | 6,010 |
| Return on Equity (ROE) | 4.7552% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,265 |
| Net charge-offs to loans | 0.0800% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -3.9277% | 5,121 |
| Efficiency ratio | 103.3972% | 370 |
| Assets per employee ($millions) | 2.6479% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 714 |
| Loan loss allowance to noncurrent loans | 244.2748% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 2,260 |
| Noncurrent loans to loans | 1.1203% | 3,561 |
| Net loans and leases to total assets | 42.9537% | 5,822 |
| Net loans and leases to deposits | 45.6565% | 6,126 |
| Net loans and leases to core deposits | 47.2979% | 6,152 |
| Total domestic deposits to total assets | 94.0801% | 67 |
| Equity capital to assets | 3.7294% | 6,824 |
| Core capital (leverage) ratio | 4.9723% | 6,788 |
| Tier 1 risk-based capital ratio | 9.4002% | 6,690 |
| Total risk-based capital ratio | 10.6505% | 6,668 |
| Memoranda: | ||
| Average total assets | $57,400,000 | 5,890 |
| Average earning assets | $48,691,500 | 5,996 |
| Average equity | $2,579,500 | 6,688 |
| Average total loans | $23,347,000 | 6,126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,804 |
| Cost of funding earning assets | 0.4790% | 4,111 |
| Net interest margin | 3.3293% | 4,451 |
| Noninterest income to average assets | 0.8424% | 2,022 |
| Noninterest expense to average assets | 3.8416% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1625% | 6,466 |
| Return on assets (ROA) | 0.2955% | 5,763 |
| Pretax return on assets | 0.3057% | 5,867 |
| Return on Equity (ROE) | 6.2567% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.2567% | 2,290 |
| Net charge-offs to loans | 0.1286% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.2667% | 4,797 |
| Efficiency ratio | 104.5287% | 374 |
| Assets per employee ($millions) | 2.6924% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7406% | 755 |
| Loan loss allowance to noncurrent loans | 160.1504% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 2,238 |
| Noncurrent loans to loans | 1.7113% | 2,746 |
| Net loans and leases to total assets | 40.1079% | 6,035 |
| Net loans and leases to deposits | 43.6625% | 6,245 |
| Net loans and leases to core deposits | 45.3921% | 6,260 |
| Total domestic deposits to total assets | 91.8589% | 274 |
| Equity capital to assets | 3.7602% | 6,873 |
| Core capital (leverage) ratio | 4.4924% | 6,851 |
| Tier 1 risk-based capital ratio | 9.1556% | 6,749 |
| Total risk-based capital ratio | 10.4045% | 6,746 |
| Memoranda: | ||
| Average total assets | $58,881,000 | 5,881 |
| Average earning assets | $50,100,330 | 5,991 |
| Average equity | $2,781,000 | 6,701 |
| Average total loans | $23,333,670 | 6,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 5,125 |
| Cost of funding earning assets | 0.4980% | 4,108 |
| Net interest margin | 3.2134% | 4,881 |
| Noninterest income to average assets | 0.8193% | 2,053 |
| Noninterest expense to average assets | 3.8167% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2335% | 6,534 |
| Return on assets (ROA) | 0.6461% | 4,142 |
| Pretax return on assets | 0.6794% | 4,661 |
| Return on Equity (ROE) | 12.4819% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.4819% | 631 |
| Net charge-offs to loans | 0.2570% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.4667% | 4,038 |
| Efficiency ratio | 106.9030% | 375 |
| Assets per employee ($millions) | 2.7695% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8593% | 768 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 2,148 |
| Noncurrent loans to loans | 2.5416% | 2,032 |
| Net loans and leases to total assets | 37.3270% | 6,196 |
| Net loans and leases to deposits | 40.2869% | 6,406 |
| Net loans and leases to core deposits | 41.8172% | 6,407 |
| Total domestic deposits to total assets | 92.6529% | 157 |
| Equity capital to assets | 5.1067% | 6,884 |
| Core capital (leverage) ratio | 4.5565% | 6,904 |
| Tier 1 risk-based capital ratio | 9.3327% | 6,780 |
| Total risk-based capital ratio | 10.5825% | 6,775 |
| Memoranda: | ||
| Average total assets | $60,051,500 | 5,905 |
| Average earning assets | $51,409,000 | 6,007 |
| Average equity | $3,108,500 | 6,697 |
| Average total loans | $23,342,500 | 6,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 5,223 |
| Cost of funding earning assets | 0.6558% | 3,865 |
| Net interest margin | 3.3692% | 5,001 |
| Noninterest income to average assets | 0.1404% | 6,333 |
| Noninterest expense to average assets | 3.9578% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.9577% | 6,732 |
| Return on assets (ROA) | -0.9577% | 6,748 |
| Pretax return on assets | -1.0011% | 6,735 |
| Return on Equity (ROE) | -15.8209% | 6,835 |
| Retained earnings to average equity (ytd only) | -15.8209% | 6,786 |
| Net charge-offs to loans | 0.2079% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -11.9800% | 5,948 |
| Efficiency ratio | 133.8609% | 137 |
| Assets per employee ($millions) | 2.8156% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 933 |
| Loan loss allowance to noncurrent loans | 200.6135% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 2,970 |
| Noncurrent loans to loans | 1.3395% | 3,605 |
| Net loans and leases to total assets | 38.2329% | 6,285 |
| Net loans and leases to deposits | 41.1778% | 6,492 |
| Net loans and leases to core deposits | 42.4487% | 6,529 |
| Total domestic deposits to total assets | 92.8484% | 146 |
| Equity capital to assets | 5.2418% | 6,933 |
| Core capital (leverage) ratio | 4.2106% | 6,977 |
| Tier 1 risk-based capital ratio | 8.2472% | 6,902 |
| Total risk-based capital ratio | 9.5034% | 6,903 |
| Memoranda: | ||
| Average total assets | $59,831,200 | 5,928 |
| Average earning assets | $50,012,000 | 6,052 |
| Average equity | $3,621,800 | 6,657 |
| Average total loans | $24,051,200 | 6,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 5,063 |
| Cost of funding earning assets | 0.6840% | 3,904 |
| Net interest margin | 3.4500% | 4,843 |
| Noninterest income to average assets | 0.7307% | 2,564 |
| Noninterest expense to average assets | 4.0447% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4137% | 6,651 |
| Return on assets (ROA) | -0.4137% | 6,696 |
| Pretax return on assets | -0.4452% | 6,683 |
| Return on Equity (ROE) | -6.6029% | 6,774 |
| Retained earnings to average equity (ytd only) | -6.6029% | 6,700 |
| Net charge-offs to loans | 0.2836% | 3,023 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -3.8822% | 5,691 |
| Efficiency ratio | 112.3673% | 263 |
| Assets per employee ($millions) | 2.5684% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7369% | 947 |
| Loan loss allowance to noncurrent loans | 122.2846% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 5.8473% | 701 |
| Noncurrent loans to loans | 2.2381% | 2,572 |
| Net loans and leases to total assets | 41.0689% | 6,192 |
| Net loans and leases to deposits | 44.8867% | 6,460 |
| Net loans and leases to core deposits | 46.6602% | 6,479 |
| Total domestic deposits to total assets | 91.4946% | 290 |
| Equity capital to assets | 6.6189% | 6,925 |
| Core capital (leverage) ratio | 5.1098% | 7,016 |
| Tier 1 risk-based capital ratio | 9.7685% | 6,853 |
| Total risk-based capital ratio | 11.0197% | 6,837 |
| Memoranda: | ||
| Average total assets | $59,303,000 | 6,004 |
| Average earning assets | $49,312,500 | 6,146 |
| Average equity | $3,715,500 | 6,716 |
| Average total loans | $23,979,750 | 6,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 5,208 |
| Cost of funding earning assets | 0.6979% | 4,028 |
| Net interest margin | 3.4298% | 4,971 |
| Noninterest income to average assets | 0.8699% | 1,888 |
| Noninterest expense to average assets | 3.9677% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2191% | 6,562 |
| Return on assets (ROA) | -0.2191% | 6,625 |
| Pretax return on assets | -0.2424% | 6,607 |
| Return on Equity (ROE) | -3.5605% | 6,705 |
| Retained earnings to average equity (ytd only) | -3.5605% | 6,517 |
| Net charge-offs to loans | 0.4330% | 2,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.4038% | 5,346 |
| Efficiency ratio | 106.5062% | 384 |
| Assets per employee ($millions) | 2.7191% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7109% | 1,023 |
| Loan loss allowance to noncurrent loans | 180.6094% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 5.5833% | 793 |
| Noncurrent loans to loans | 1.5010% | 3,652 |
| Net loans and leases to total assets | 39.1150% | 6,397 |
| Net loans and leases to deposits | 42.9686% | 6,601 |
| Net loans and leases to core deposits | 44.7905% | 6,630 |
| Total domestic deposits to total assets | 91.0316% | 438 |
| Equity capital to assets | 6.2988% | 7,004 |
| Core capital (leverage) ratio | 5.1271% | 7,059 |
| Tier 1 risk-based capital ratio | 9.8720% | 6,856 |
| Total risk-based capital ratio | 11.1230% | 6,847 |
| Memoranda: | ||
| Average total assets | $60,235,670 | 6,018 |
| Average earning assets | $50,149,330 | 6,152 |
| Average equity | $3,707,330 | 6,756 |
| Average total loans | $24,020,000 | 6,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 5,164 |
| Cost of funding earning assets | 0.7053% | 4,236 |
| Net interest margin | 3.4789% | 4,796 |
| Noninterest income to average assets | 0.5030% | 3,887 |
| Noninterest expense to average assets | 4.1229% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6750% | 6,901 |
| Return on assets (ROA) | -0.6750% | 6,924 |
| Pretax return on assets | -0.7147% | 6,903 |
| Return on Equity (ROE) | -11.0960% | 7,008 |
| Retained earnings to average equity (ytd only) | -11.0960% | 6,869 |
| Net charge-offs to loans | 0.8165% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.2041% | 4,619 |
| Efficiency ratio | 120.9709% | 211 |
| Assets per employee ($millions) | 2.6007% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8913% | 918 |
| Loan loss allowance to noncurrent loans | 178.9617% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 6.1005% | 763 |
| Noncurrent loans to loans | 1.6156% | 3,695 |
| Net loans and leases to total assets | 36.7784% | 6,572 |
| Net loans and leases to deposits | 40.2014% | 6,726 |
| Net loans and leases to core deposits | 43.2141% | 6,692 |
| Total domestic deposits to total assets | 91.4854% | 380 |
| Equity capital to assets | 6.0771% | 7,068 |
| Core capital (leverage) ratio | 5.0820% | 7,115 |
| Tier 1 risk-based capital ratio | 10.0186% | 6,877 |
| Total risk-based capital ratio | 11.2693% | 6,868 |
| Memoranda: | ||
| Average total assets | $60,443,000 | 6,053 |
| Average earning assets | $50,475,500 | 6,175 |
| Average equity | $3,677,000 | 6,807 |
| Average total loans | $24,004,500 | 6,417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 3,304 |
| Cost of funding earning assets | 0.8674% | 4,338 |
| Net interest margin | 4.0433% | 2,658 |
| Noninterest income to average assets | -0.4182% | 7,241 |
| Noninterest expense to average assets | 4.3372% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.3415% | 6,869 |
| Return on assets (ROA) | -1.3415% | 6,888 |
| Pretax return on assets | -1.4184% | 6,874 |
| Return on Equity (ROE) | -20.7278% | 6,991 |
| Retained earnings to average equity (ytd only) | -20.7278% | 6,976 |
| Net charge-offs to loans | 0.6176% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -4.4632% | 6,358 |
| Efficiency ratio | 148.0229% | 147 |
| Assets per employee ($millions) | 2.5446% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7766% | 1,004 |
| Loan loss allowance to noncurrent loans | 99.0155% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 6.8576% | 673 |
| Noncurrent loans to loans | 2.8042% | 2,339 |
| Net loans and leases to total assets | 40.3645% | 6,520 |
| Net loans and leases to deposits | 43.9013% | 6,724 |
| Net loans and leases to core deposits | 46.8775% | 6,695 |
| Total domestic deposits to total assets | 91.9438% | 244 |
| Equity capital to assets | 6.0896% | 7,088 |
| Core capital (leverage) ratio | 5.0438% | 7,143 |
| Tier 1 risk-based capital ratio | 9.7710% | 6,908 |
| Total risk-based capital ratio | 11.0210% | 6,899 |
| Memoranda: | ||
| Average total assets | $59,785,800 | 6,046 |
| Average earning assets | $49,341,000 | 6,223 |
| Average equity | $3,869,200 | 6,785 |
| Average total loans | $30,762,000 | 6,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 2,872 |
| Cost of funding earning assets | 0.8907% | 4,464 |
| Net interest margin | 4.1530% | 2,269 |
| Noninterest income to average assets | -0.5112% | 7,356 |
| Noninterest expense to average assets | 4.3812% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.4058% | 7,019 |
| Return on assets (ROA) | -1.4058% | 7,034 |
| Pretax return on assets | -1.4843% | 7,014 |
| Return on Equity (ROE) | -21.3983% | 7,109 |
| Retained earnings to average equity (ytd only) | -21.3983% | 7,096 |
| Net charge-offs to loans | -0.1370% | 7,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.6966% | 139 |
| Assets per employee ($millions) | 2.5287% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1521% | 763 |
| Loan loss allowance to noncurrent loans | 106.3073% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 7.7821% | 580 |
| Noncurrent loans to loans | 2.9651% | 2,345 |
| Net loans and leases to total assets | 48.9726% | 5,839 |
| Net loans and leases to deposits | 53.8402% | 6,224 |
| Net loans and leases to core deposits | 58.4870% | 6,092 |
| Total domestic deposits to total assets | 90.9593% | 446 |
| Equity capital to assets | 6.6576% | 7,112 |
| Core capital (leverage) ratio | 5.5597% | 7,178 |
| Tier 1 risk-based capital ratio | 9.5348% | 7,049 |
| Total risk-based capital ratio | 10.7844% | 7,047 |
| Memoranda: | ||
| Average total assets | $59,464,500 | 6,110 |
| Average earning assets | $48,799,250 | 6,290 |
| Average equity | $3,906,750 | 6,832 |
| Average total loans | $32,113,750 | 6,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 2,584 |
| Cost of funding earning assets | 0.8927% | 4,736 |
| Net interest margin | 4.2281% | 1,932 |
| Noninterest income to average assets | -0.7680% | 7,456 |
| Noninterest expense to average assets | 4.4708% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.6661% | 7,137 |
| Return on assets (ROA) | -1.6661% | 7,146 |
| Pretax return on assets | -1.7596% | 7,126 |
| Return on Equity (ROE) | -25.4700% | 7,199 |
| Retained earnings to average equity (ytd only) | -25.4700% | 7,189 |
| Net charge-offs to loans | -0.2120% | 7,295 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.2857% | 111 |
| Assets per employee ($millions) | 2.4947% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9812% | 914 |
| Loan loss allowance to noncurrent loans | 191.9421% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 7.1636% | 697 |
| Noncurrent loans to loans | 1.5532% | 4,078 |
| Net loans and leases to total assets | 50.4961% | 5,752 |
| Net loans and leases to deposits | 55.4469% | 6,182 |
| Net loans and leases to core deposits | 60.0779% | 6,084 |
| Total domestic deposits to total assets | 91.0710% | 474 |
| Equity capital to assets | 6.5172% | 7,183 |
| Core capital (leverage) ratio | 5.9977% | 7,192 |
| Tier 1 risk-based capital ratio | 9.4573% | 7,110 |
| Total risk-based capital ratio | 10.7073% | 7,114 |
| Memoranda: | ||
| Average total assets | $59,899,670 | 6,141 |
| Average earning assets | $49,289,670 | 6,327 |
| Average equity | $3,918,330 | 6,868 |
| Average total loans | $33,015,330 | 6,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 2,095 |
| Cost of funding earning assets | 0.9711% | 4,416 |
| Net interest margin | 4.2678% | 1,674 |
| Noninterest income to average assets | -2.3634% | 7,562 |
| Noninterest expense to average assets | 4.7335% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -3.4183% | 7,421 |
| Return on assets (ROA) | -3.4183% | 7,423 |
| Pretax return on assets | -3.6052% | 7,418 |
| Return on Equity (ROE) | -52.1584% | 7,424 |
| Retained earnings to average equity (ytd only) | -52.1584% | 7,412 |
| Net charge-offs to loans | -0.3535% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 418.3432% | 14 |
| Assets per employee ($millions) | 2.3974% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 1,044 |
| Loan loss allowance to noncurrent loans | 179.0698% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 7.5637% | 660 |
| Noncurrent loans to loans | 1.6010% | 4,082 |
| Net loans and leases to total assets | 54.4075% | 5,245 |
| Net loans and leases to deposits | 59.8326% | 5,742 |
| Net loans and leases to core deposits | 60.7628% | 6,043 |
| Total domestic deposits to total assets | 90.9329% | 662 |
| Equity capital to assets | 6.4097% | 7,236 |
| Core capital (leverage) ratio | 5.6702% | 7,299 |
| Tier 1 risk-based capital ratio | 9.3943% | 7,171 |
| Total risk-based capital ratio | 10.6469% | 7,168 |
| Memoranda: | ||
| Average total assets | $59,913,500 | 6,188 |
| Average earning assets | $49,018,500 | 6,380 |
| Average equity | $3,926,500 | 6,903 |
| Average total loans | $33,942,000 | 6,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 4,031 |
| Cost of funding earning assets | 1.1941% | 4,597 |
| Net interest margin | 3.9208% | 3,396 |
| Noninterest income to average assets | 1.0480% | 1,362 |
| Noninterest expense to average assets | 4.4230% | 700 |
| Loan and lease loss provision to assets | 1.9584% | 679 |
| Net operating income to assets | -1.9266% | 7,040 |
| Return on assets (ROA) | -1.8350% | 7,032 |
| Pretax return on assets | -1.9357% | 7,005 |
| Return on Equity (ROE) | -26.3995% | 7,163 |
| Retained earnings to average equity (ytd only) | -26.3995% | 7,148 |
| Net charge-offs to loans | 4.4479% | 248 |
| Credit loss provision to net charge-offs | 67.9961% | 5,914 |
| Earnings coverage of net charge-offs (x) | -0.0256% | 6,151 |
| Efficiency ratio | 101.3368% | 737 |
| Assets per employee ($millions) | 2.5954% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5074% | 1,400 |
| Loan loss allowance to noncurrent loans | 85.1429% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 8.6067% | 539 |
| Noncurrent loans to loans | 2.9449% | 2,593 |
| Net loans and leases to total assets | 55.8060% | 5,372 |
| Net loans and leases to deposits | 61.2183% | 5,931 |
| Net loans and leases to core deposits | 62.0943% | 6,228 |
| Total domestic deposits to total assets | 91.1590% | 531 |
| Equity capital to assets | 6.6866% | 7,212 |
| Core capital (leverage) ratio | 6.3156% | 7,242 |
| Tier 1 risk-based capital ratio | 9.7945% | 7,054 |
| Total risk-based capital ratio | 11.0435% | 7,050 |
| Memoranda: | ||
| Average total assets | $70,518,200 | 5,869 |
| Average earning assets | $59,375,400 | 6,013 |
| Average equity | $4,901,600 | 6,701 |
| Average total loans | $45,662,200 | 5,674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 4,407 |
| Cost of funding earning assets | 1.2205% | 4,739 |
| Net interest margin | 3.8636% | 3,686 |
| Noninterest income to average assets | 1.2878% | 831 |
| Noninterest expense to average assets | 4.3834% | 674 |
| Loan and lease loss provision to assets | 2.5371% | 408 |
| Net operating income to assets | -2.2461% | 7,291 |
| Return on assets (ROA) | -2.1274% | 7,285 |
| Pretax return on assets | -2.2394% | 7,257 |
| Return on Equity (ROE) | -30.3586% | 7,390 |
| Retained earnings to average equity (ytd only) | -30.3586% | 7,381 |
| Net charge-offs to loans | 5.6279% | 128 |
| Credit loss provision to net charge-offs | 67.9292% | 5,477 |
| Earnings coverage of net charge-offs (x) | 0.0462% | 5,981 |
| Efficiency ratio | 95.8468% | 910 |
| Assets per employee ($millions) | 2.4334% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,582 |
| Loan loss allowance to noncurrent loans | 59.2691% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 9.1133% | 489 |
| Noncurrent loans to loans | 3.9234% | 1,931 |
| Net loans and leases to total assets | 61.5906% | 4,617 |
| Net loans and leases to deposits | 68.1943% | 5,392 |
| Net loans and leases to core deposits | 68.8699% | 5,856 |
| Total domestic deposits to total assets | 90.3163% | 713 |
| Equity capital to assets | 7.4416% | 7,157 |
| Core capital (leverage) ratio | 6.6003% | 7,311 |
| Tier 1 risk-based capital ratio | 10.1390% | 6,988 |
| Total risk-based capital ratio | 11.3902% | 6,971 |
| Memoranda: | ||
| Average total assets | $72,575,500 | 5,864 |
| Average earning assets | $61,392,750 | 6,011 |
| Average equity | $5,085,750 | 6,724 |
| Average total loans | $48,164,000 | 5,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 5,114 |
| Cost of funding earning assets | 1.2255% | 4,987 |
| Net interest margin | 3.7380% | 4,196 |
| Noninterest income to average assets | 1.9637% | 359 |
| Noninterest expense to average assets | 4.0738% | 951 |
| Loan and lease loss provision to assets | 3.6110% | 236 |
| Net operating income to assets | -2.4097% | 7,398 |
| Return on assets (ROA) | -2.2408% | 7,373 |
| Pretax return on assets | -2.3611% | 7,336 |
| Return on Equity (ROE) | -32.5114% | 7,461 |
| Retained earnings to average equity (ytd only) | -32.5114% | 7,451 |
| Net charge-offs to loans | 8.0572% | 61 |
| Credit loss provision to net charge-offs | 66.6506% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.1979% | 5,528 |
| Efficiency ratio | 78.8618% | 2,595 |
| Assets per employee ($millions) | 2.4339% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 2,029 |
| Loan loss allowance to noncurrent loans | 41.5895% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 9.5945% | 440 |
| Noncurrent loans to loans | 4.9823% | 1,387 |
| Net loans and leases to total assets | 61.3452% | 4,811 |
| Net loans and leases to deposits | 68.3271% | 5,523 |
| Net loans and leases to core deposits | 69.4047% | 5,930 |
| Total domestic deposits to total assets | 89.7816% | 1,033 |
| Equity capital to assets | 7.2738% | 7,238 |
| Core capital (leverage) ratio | 6.7264% | 7,313 |
| Tier 1 risk-based capital ratio | 10.0402% | 7,000 |
| Total risk-based capital ratio | 11.2886% | 6,983 |
| Memoranda: | ||
| Average total assets | $76,489,330 | 5,789 |
| Average earning assets | $65,114,330 | 5,922 |
| Average equity | $5,272,000 | 6,692 |
| Average total loans | $51,432,000 | 5,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 5,832 |
| Cost of funding earning assets | 1.2228% | 5,268 |
| Net interest margin | 3.5944% | 4,761 |
| Noninterest income to average assets | 4.2454% | 154 |
| Noninterest expense to average assets | 3.8937% | 1,176 |
| Loan and lease loss provision to assets | 4.1917% | 201 |
| Net operating income to assets | -0.7279% | 6,968 |
| Return on assets (ROA) | -0.7279% | 6,992 |
| Pretax return on assets | -0.7524% | 6,927 |
| Return on Equity (ROE) | -10.8010% | 7,161 |
| Retained earnings to average equity (ytd only) | -10.8010% | 7,004 |
| Net charge-offs to loans | 8.4858% | 78 |
| Credit loss provision to net charge-offs | 71.5000% | 4,065 |
| Earnings coverage of net charge-offs (x) | 0.5867% | 4,500 |
| Efficiency ratio | 52.8981% | 7,061 |
| Assets per employee ($millions) | 2.5237% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6310% | 1,144 |
| Loan loss allowance to noncurrent loans | 23.8681% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 11.5569% | 293 |
| Noncurrent loans to loans | 11.0231% | 357 |
| Net loans and leases to total assets | 65.2823% | 4,046 |
| Net loans and leases to deposits | 72.6198% | 4,967 |
| Net loans and leases to core deposits | 74.2452% | 5,479 |
| Total domestic deposits to total assets | 89.8960% | 1,044 |
| Equity capital to assets | 8.0407% | 6,612 |
| Core capital (leverage) ratio | 7.3731% | 6,966 |
| Tier 1 risk-based capital ratio | 10.9910% | 6,166 |
| Total risk-based capital ratio | 12.2445% | 6,131 |
| Memoranda: | ||
| Average total assets | $81,876,500 | 5,712 |
| Average earning assets | $70,332,000 | 5,837 |
| Average equity | $5,518,000 | 6,663 |
| Average total loans | $56,565,000 | 5,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1700% | 1,321 |
| Cost of funding earning assets | 1.8911% | 3,509 |
| Net interest margin | 4.2790% | 1,781 |
| Noninterest income to average assets | 0.9032% | 1,929 |
| Noninterest expense to average assets | 3.9097% | 1,498 |
| Loan and lease loss provision to assets | 1.4382% | 1,600 |
| Net operating income to assets | -0.6420% | 6,307 |
| Return on assets (ROA) | -0.6420% | 6,309 |
| Pretax return on assets | -0.6777% | 6,166 |
| Return on Equity (ROE) | -11.1581% | 6,709 |
| Retained earnings to average equity (ytd only) | -11.1581% | 6,612 |
| Net charge-offs to loans | 1.3808% | 1,818 |
| Credit loss provision to net charge-offs | 141.3402% | 3,427 |
| Earnings coverage of net charge-offs (x) | 0.7474% | 5,348 |
| Efficiency ratio | 80.1887% | 2,862 |
| Assets per employee ($millions) | 2.2765% | 7,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2893% | 1,500 |
| Loan loss allowance to noncurrent loans | 30.9729% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 8.2416% | 528 |
| Noncurrent loans to loans | 7.3913% | 721 |
| Net loans and leases to total assets | 68.9244% | 3,508 |
| Net loans and leases to deposits | 74.1466% | 5,018 |
| Net loans and leases to core deposits | 85.0729% | 5,610 |
| Total domestic deposits to total assets | 92.9570% | 133 |
| Equity capital to assets | 5.8120% | 7,689 |
| Core capital (leverage) ratio | 5.6401% | 7,689 |
| Tier 1 risk-based capital ratio | 7.6831% | 7,680 |
| Total risk-based capital ratio | 8.9347% | 7,689 |
| Memoranda: | ||
| Average total assets | $95,326,800 | 5,230 |
| Average earning assets | $83,921,600 | 5,334 |
| Average equity | $5,484,800 | 6,777 |
| Average total loans | $70,247,600 | 4,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3074% | 1,121 |
| Cost of funding earning assets | 1.9801% | 3,468 |
| Net interest margin | 4.3273% | 1,653 |
| Noninterest income to average assets | 0.2170% | 6,680 |
| Noninterest expense to average assets | 3.8184% | 1,562 |
| Loan and lease loss provision to assets | 1.8378% | 1,010 |
| Net operating income to assets | -1.5285% | 7,130 |
| Return on assets (ROA) | -1.5285% | 7,129 |
| Pretax return on assets | -1.6125% | 7,017 |
| Return on Equity (ROE) | -26.6330% | 7,541 |
| Retained earnings to average equity (ytd only) | -26.6330% | 7,525 |
| Net charge-offs to loans | 1.8341% | 1,099 |
| Credit loss provision to net charge-offs | 134.5287% | 3,699 |
| Earnings coverage of net charge-offs (x) | 0.1650% | 5,856 |
| Efficiency ratio | 93.3195% | 1,444 |
| Assets per employee ($millions) | 2.1391% | 7,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 1,451 |
| Loan loss allowance to noncurrent loans | 42.5654% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 7.0691% | 679 |
| Noncurrent loans to loans | 5.1273% | 1,263 |
| Net loans and leases to total assets | 73.8330% | 2,577 |
| Net loans and leases to deposits | 78.5843% | 4,642 |
| Net loans and leases to core deposits | 87.0169% | 5,754 |
| Total domestic deposits to total assets | 93.9538% | 55 |
| Equity capital to assets | 5.7490% | 7,896 |
| Core capital (leverage) ratio | 5.2021% | 7,907 |
| Tier 1 risk-based capital ratio | 6.8851% | 7,906 |
| Total risk-based capital ratio | 8.1372% | 7,910 |
| Memoranda: | ||
| Average total assets | $95,255,500 | 5,261 |
| Average earning assets | $84,237,500 | 5,365 |
| Average equity | $5,466,750 | 6,857 |
| Average total loans | $70,948,500 | 4,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2281% | 1,386 |
| Cost of funding earning assets | 2.0667% | 3,442 |
| Net interest margin | 4.1614% | 2,120 |
| Noninterest income to average assets | -0.1092% | 8,034 |
| Noninterest expense to average assets | 3.7997% | 1,658 |
| Loan and lease loss provision to assets | 1.8174% | 906 |
| Net operating income to assets | -1.9328% | 7,414 |
| Return on assets (ROA) | -1.9328% | 7,404 |
| Pretax return on assets | -2.0379% | 7,298 |
| Return on Equity (ROE) | -33.6966% | 7,764 |
| Retained earnings to average equity (ytd only) | -33.6966% | 7,741 |
| Net charge-offs to loans | 2.3169% | 768 |
| Credit loss provision to net charge-offs | 105.7554% | 4,350 |
| Earnings coverage of net charge-offs (x) | -0.1283% | 5,823 |
| Efficiency ratio | 104.9511% | 999 |
| Assets per employee ($millions) | 2.2326% | 7,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,245 |
| Loan loss allowance to noncurrent loans | 51.6255% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 5.5253% | 911 |
| Noncurrent loans to loans | 3.3521% | 2,097 |
| Net loans and leases to total assets | 72.1259% | 3,188 |
| Net loans and leases to deposits | 76.6479% | 5,073 |
| Net loans and leases to core deposits | 83.9428% | 6,093 |
| Total domestic deposits to total assets | 94.1003% | 56 |
| Equity capital to assets | 5.5360% | 7,998 |
| Core capital (leverage) ratio | 4.9639% | 8,032 |
| Tier 1 risk-based capital ratio | 6.9532% | 8,015 |
| Total risk-based capital ratio | 8.2078% | 8,021 |
| Memoranda: | ||
| Average total assets | $97,060,000 | 5,248 |
| Average earning assets | $86,029,670 | 5,336 |
| Average equity | $5,567,330 | 6,876 |
| Average total loans | $71,993,670 | 4,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0413% | 2,191 |
| Cost of funding earning assets | 1.9261% | 4,506 |
| Net interest margin | 4.1151% | 2,227 |
| Noninterest income to average assets | 0.8024% | 2,308 |
| Noninterest expense to average assets | 3.7080% | 1,641 |
| Loan and lease loss provision to assets | 2.9704% | 365 |
| Net operating income to assets | -2.0830% | 7,684 |
| Return on assets (ROA) | -2.0830% | 7,681 |
| Pretax return on assets | -2.1964% | 7,588 |
| Return on Equity (ROE) | -35.7224% | 7,950 |
| Retained earnings to average equity (ytd only) | -35.7224% | 7,920 |
| Net charge-offs to loans | 3.2455% | 386 |
| Credit loss provision to net charge-offs | 122.7806% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.3199% | 4,725 |
| Efficiency ratio | 81.7360% | 2,572 |
| Assets per employee ($millions) | 2.3886% | 7,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 1,869 |
| Loan loss allowance to noncurrent loans | 65.7584% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 5.2392% | 838 |
| Noncurrent loans to loans | 2.7270% | 2,404 |
| Net loans and leases to total assets | 69.8226% | 3,716 |
| Net loans and leases to deposits | 79.3138% | 4,721 |
| Net loans and leases to core deposits | 85.9956% | 5,901 |
| Total domestic deposits to total assets | 88.0333% | 1,734 |
| Equity capital to assets | 5.6330% | 8,053 |
| Core capital (leverage) ratio | 5.2679% | 8,101 |
| Tier 1 risk-based capital ratio | 7.1155% | 8,087 |
| Total risk-based capital ratio | 8.3612% | 8,093 |
| Memoranda: | ||
| Average total assets | $98,706,000 | 5,215 |
| Average earning assets | $88,259,500 | 5,279 |
| Average equity | $5,755,500 | 6,857 |
| Average total loans | $73,579,500 | 4,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5405% | 2,759 |
| Cost of funding earning assets | 2.6072% | 3,652 |
| Net interest margin | 3.9332% | 3,428 |
| Noninterest income to average assets | 0.9852% | 1,626 |
| Noninterest expense to average assets | 3.6031% | 2,133 |
| Loan and lease loss provision to assets | 2.1901% | 528 |
| Net operating income to assets | -1.2608% | 7,370 |
| Return on assets (ROA) | -1.2608% | 7,315 |
| Pretax return on assets | -1.2587% | 7,144 |
| Return on Equity (ROE) | -17.1665% | 7,672 |
| Retained earnings to average equity (ytd only) | -27.3930% | 7,860 |
| Net charge-offs to loans | 2.1738% | 479 |
| Credit loss provision to net charge-offs | 131.7134% | 4,043 |
| Earnings coverage of net charge-offs (x) | 0.5601% | 5,892 |
| Efficiency ratio | 78.5241% | 2,838 |
| Assets per employee ($millions) | 2.3681% | 7,458 |
| Cash dividends to net income (ytd only)* | -59.5727% | 8,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 2,642 |
| Loan loss allowance to noncurrent loans | 24.3347% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 5.6678% | 558 |
| Noncurrent loans to loans | 6.1938% | 547 |
| Net loans and leases to total assets | 76.9281% | 2,395 |
| Net loans and leases to deposits | 85.5244% | 4,180 |
| Net loans and leases to core deposits | 92.6239% | 5,577 |
| Total domestic deposits to total assets | 89.9487% | 662 |
| Equity capital to assets | 6.0355% | 8,055 |
| Core capital (leverage) ratio | 5.7008% | 8,141 |
| Tier 1 risk-based capital ratio | 7.4370% | 8,138 |
| Total risk-based capital ratio | 8.7033% | 8,160 |
| Memoranda: | ||
| Average total assets | $96,527,200 | 5,151 |
| Average earning assets | $87,104,000 | 5,182 |
| Average equity | $7,089,400 | 6,428 |
| Average total loans | $73,834,200 | 4,746 |