Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6318% | 4,631 |
| Cost of funding earning assets | 0.5029% | 2,222 |
| Net interest margin | 3.1290% | 4,888 |
| Noninterest income to average assets | 0.9145% | 1,405 |
| Noninterest expense to average assets | 7.3094% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.5890% | 6,330 |
| Return on assets (ROA) | -3.9147% | 6,335 |
| Pretax return on assets | -3.9147% | 6,334 |
| Return on Equity (ROE) | -289.3519% | 6,347 |
| Retained earnings to average equity (ytd only) | -289.3519% | 6,347 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.4646% | 15 |
| Assets per employee ($millions) | 1.6725% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6376% | 48 |
| Loan loss allowance to noncurrent loans | 42.2235% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 7.8326% | 97 |
| Noncurrent loans to loans | 13.3518% | 28 |
| Net loans and leases to total assets | 45.8483% | 5,258 |
| Net loans and leases to deposits | 48.1515% | 5,587 |
| Net loans and leases to core deposits | 48.6730% | 5,669 |
| Total domestic deposits to total assets | 95.2167% | 17 |
| Equity capital to assets | 0.4858% | 6,348 |
| Core capital (leverage) ratio | 0.9746% | 6,348 |
| Tier 1 risk-based capital ratio | 2.0305% | 6,347 |
| Total risk-based capital ratio | 3.3294% | 6,347 |
| Memoranda: | ||
| Average total assets | $31,931,330 | 6,075 |
| Average earning assets | $28,635,670 | 6,072 |
| Average equity | $432,000 | 6,347 |
| Average total loans | $14,910,670 | 6,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,255 |
| Cost of funding earning assets | 0.5166% | 2,140 |
| Net interest margin | 3.2161% | 4,547 |
| Noninterest income to average assets | 0.7533% | 1,896 |
| Noninterest expense to average assets | 7.0574% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -3.4186% | 6,393 |
| Return on assets (ROA) | -3.9285% | 6,399 |
| Pretax return on assets | -3.9285% | 6,398 |
| Return on Equity (ROE) | -232.5901% | 6,416 |
| Retained earnings to average equity (ytd only) | -232.5901% | 6,416 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.9490% | 20 |
| Assets per employee ($millions) | 1.8628% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7780% | 78 |
| Loan loss allowance to noncurrent loans | 41.8857% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 6.6629% | 141 |
| Noncurrent loans to loans | 11.4073% | 43 |
| Net loans and leases to total assets | 46.1286% | 5,189 |
| Net loans and leases to deposits | 49.3997% | 5,497 |
| Net loans and leases to core deposits | 49.8567% | 5,598 |
| Total domestic deposits to total assets | 93.3782% | 50 |
| Equity capital to assets | 1.3673% | 6,416 |
| Core capital (leverage) ratio | 1.6422% | 6,417 |
| Tier 1 risk-based capital ratio | 3.4534% | 6,411 |
| Total risk-based capital ratio | 4.7430% | 6,410 |
| Memoranda: | ||
| Average total assets | $34,517,000 | 6,089 |
| Average earning assets | $30,969,000 | 6,092 |
| Average equity | $583,000 | 6,415 |
| Average total loans | $15,865,000 | 6,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,626 |
| Cost of funding earning assets | 0.6022% | 1,740 |
| Net interest margin | 3.1550% | 5,059 |
| Noninterest income to average assets | 1.1258% | 961 |
| Noninterest expense to average assets | 6.0474% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -2.1214% | 6,460 |
| Return on assets (ROA) | -2.1687% | 6,460 |
| Pretax return on assets | -2.1687% | 6,454 |
| Return on Equity (ROE) | -85.8614% | 6,499 |
| Retained earnings to average equity (ytd only) | -85.8614% | 6,499 |
| Net charge-offs to loans | 0.4810% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -9.3438% | 4,912 |
| Efficiency ratio | 154.0361% | 48 |
| Assets per employee ($millions) | 2.1980% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4725% | 94 |
| Loan loss allowance to noncurrent loans | 36.9270% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 7.9859% | 118 |
| Noncurrent loans to loans | 12.1118% | 44 |
| Net loans and leases to total assets | 41.8991% | 5,625 |
| Net loans and leases to deposits | 42.9190% | 5,934 |
| Net loans and leases to core deposits | 43.2391% | 5,983 |
| Total domestic deposits to total assets | 97.6235% | 4 |
| Equity capital to assets | 1.9617% | 6,502 |
| Core capital (leverage) ratio | 2.1981% | 6,503 |
| Tier 1 risk-based capital ratio | 4.9284% | 6,488 |
| Total risk-based capital ratio | 6.2126% | 6,489 |
| Memoranda: | ||
| Average total assets | $42,282,800 | 5,978 |
| Average earning assets | $37,528,000 | 5,999 |
| Average equity | $1,068,000 | 6,495 |
| Average total loans | $19,957,400 | 5,962 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,439 |
| Cost of funding earning assets | 0.5914% | 1,911 |
| Net interest margin | 3.2370% | 4,830 |
| Noninterest income to average assets | 0.9959% | 1,237 |
| Noninterest expense to average assets | 5.9875% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -2.1235% | 6,533 |
| Return on assets (ROA) | -2.1572% | 6,535 |
| Pretax return on assets | -2.1572% | 6,528 |
| Return on Equity (ROE) | -81.4969% | 6,575 |
| Retained earnings to average equity (ytd only) | -81.4969% | 6,575 |
| Net charge-offs to loans | 0.6011% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -7.3724% | 4,623 |
| Efficiency ratio | 154.9564% | 46 |
| Assets per employee ($millions) | 2.6370% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9846% | 163 |
| Loan loss allowance to noncurrent loans | 30.6250% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 7.8521% | 135 |
| Noncurrent loans to loans | 13.0110% | 45 |
| Net loans and leases to total assets | 39.5079% | 5,843 |
| Net loans and leases to deposits | 40.4241% | 6,106 |
| Net loans and leases to core deposits | 40.9569% | 6,152 |
| Total domestic deposits to total assets | 97.7336% | 5 |
| Equity capital to assets | 1.9340% | 6,579 |
| Core capital (leverage) ratio | 2.4816% | 6,574 |
| Tier 1 risk-based capital ratio | 5.4628% | 6,557 |
| Total risk-based capital ratio | 6.7400% | 6,558 |
| Memoranda: | ||
| Average total assets | $43,512,000 | 6,011 |
| Average earning assets | $38,553,000 | 6,037 |
| Average equity | $1,151,750 | 6,568 |
| Average total loans | $20,849,500 | 5,986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 3,276 |
| Cost of funding earning assets | 0.5668% | 2,195 |
| Net interest margin | 3.5492% | 3,574 |
| Noninterest income to average assets | 1.0401% | 1,099 |
| Noninterest expense to average assets | 6.1431% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.9920% | 6,594 |
| Return on assets (ROA) | -2.0755% | 6,595 |
| Pretax return on assets | -2.0755% | 6,587 |
| Return on Equity (ROE) | -71.7110% | 6,642 |
| Retained earnings to average equity (ytd only) | -71.7110% | 6,637 |
| Net charge-offs to loans | 0.8683% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -4.5638% | 4,284 |
| Efficiency ratio | 147.9866% | 57 |
| Assets per employee ($millions) | 2.5124% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6629% | 219 |
| Loan loss allowance to noncurrent loans | 37.7698% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 7.1785% | 176 |
| Noncurrent loans to loans | 9.6980% | 85 |
| Net loans and leases to total assets | 45.2600% | 5,438 |
| Net loans and leases to deposits | 47.8111% | 5,783 |
| Net loans and leases to core deposits | 48.4924% | 5,879 |
| Total domestic deposits to total assets | 94.6641% | 32 |
| Equity capital to assets | 2.6621% | 6,635 |
| Core capital (leverage) ratio | 3.2365% | 6,631 |
| Tier 1 risk-based capital ratio | 6.2151% | 6,611 |
| Total risk-based capital ratio | 7.4917% | 6,610 |
| Memoranda: | ||
| Average total assets | $43,073,000 | 6,075 |
| Average earning assets | $37,754,670 | 6,118 |
| Average equity | $1,246,670 | 6,626 |
| Average total loans | $21,650,670 | 6,009 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 2,720 |
| Cost of funding earning assets | 0.5286% | 2,619 |
| Net interest margin | 3.7110% | 2,820 |
| Noninterest income to average assets | 0.9988% | 1,131 |
| Noninterest expense to average assets | 6.2699% | 172 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.0252% | 6,661 |
| Return on assets (ROA) | -2.1085% | 6,660 |
| Pretax return on assets | -2.1085% | 6,646 |
| Return on Equity (ROE) | -70.0730% | 6,705 |
| Retained earnings to average equity (ytd only) | -70.0730% | 6,694 |
| Net charge-offs to loans | 0.1426% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -27.3750% | 3,629 |
| Efficiency ratio | 147.7124% | 70 |
| Assets per employee ($millions) | 2.4411% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7107% | 233 |
| Loan loss allowance to noncurrent loans | 51.9292% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 7.3010% | 200 |
| Noncurrent loans to loans | 7.1458% | 211 |
| Net loans and leases to total assets | 48.4854% | 5,061 |
| Net loans and leases to deposits | 51.2806% | 5,499 |
| Net loans and leases to core deposits | 51.9889% | 5,616 |
| Total domestic deposits to total assets | 94.5493% | 48 |
| Equity capital to assets | 2.8517% | 6,697 |
| Core capital (leverage) ratio | 3.7127% | 6,683 |
| Tier 1 risk-based capital ratio | 6.4899% | 6,668 |
| Total risk-based capital ratio | 7.7666% | 6,668 |
| Memoranda: | ||
| Average total assets | $43,254,000 | 6,133 |
| Average earning assets | $37,833,500 | 6,179 |
| Average equity | $1,301,500 | 6,684 |
| Average total loans | $22,443,000 | 6,031 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 2,099 |
| Cost of funding earning assets | 0.5288% | 3,297 |
| Net interest margin | 3.9990% | 1,947 |
| Noninterest income to average assets | 1.5931% | 564 |
| Noninterest expense to average assets | 5.4070% | 263 |
| Loan and lease loss provision to assets | 0.5470% | 483 |
| Net operating income to assets | -0.9001% | 6,587 |
| Return on assets (ROA) | -1.1529% | 6,631 |
| Pretax return on assets | -1.1529% | 6,626 |
| Return on Equity (ROE) | -29.4675% | 6,719 |
| Retained earnings to average equity (ytd only) | -29.4675% | 6,713 |
| Net charge-offs to loans | 1.0887% | 517 |
| Credit loss provision to net charge-offs | 92.2794% | 2,698 |
| Earnings coverage of net charge-offs (x) | -0.5956% | 5,215 |
| Efficiency ratio | 106.9858% | 321 |
| Assets per employee ($millions) | 2.3649% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6422% | 257 |
| Loan loss allowance to noncurrent loans | 41.8898% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 8.4710% | 172 |
| Noncurrent loans to loans | 8.6947% | 159 |
| Net loans and leases to total assets | 51.5211% | 4,917 |
| Net loans and leases to deposits | 54.7643% | 5,403 |
| Net loans and leases to core deposits | 55.5466% | 5,574 |
| Total domestic deposits to total assets | 94.0779% | 79 |
| Equity capital to assets | 3.1713% | 6,759 |
| Core capital (leverage) ratio | 4.0663% | 6,750 |
| Tier 1 risk-based capital ratio | 7.2802% | 6,722 |
| Total risk-based capital ratio | 8.5484% | 6,721 |
| Memoranda: | ||
| Average total assets | $45,885,000 | 6,125 |
| Average earning assets | $39,709,600 | 6,175 |
| Average equity | $1,795,200 | 6,720 |
| Average total loans | $24,983,400 | 5,988 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 1,793 |
| Cost of funding earning assets | 0.5385% | 3,375 |
| Net interest margin | 4.0936% | 1,652 |
| Noninterest income to average assets | 1.5070% | 644 |
| Noninterest expense to average assets | 5.3202% | 277 |
| Loan and lease loss provision to assets | 0.7164% | 305 |
| Net operating income to assets | -0.9933% | 6,707 |
| Return on assets (ROA) | -1.3044% | 6,741 |
| Pretax return on assets | -1.3044% | 6,736 |
| Return on Equity (ROE) | -31.9601% | 6,820 |
| Retained earnings to average equity (ytd only) | -31.9601% | 6,815 |
| Net charge-offs to loans | 1.4200% | 346 |
| Credit loss provision to net charge-offs | 92.2794% | 2,576 |
| Earnings coverage of net charge-offs (x) | -0.3566% | 4,936 |
| Efficiency ratio | 105.4895% | 339 |
| Assets per employee ($millions) | 2.4476% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6358% | 296 |
| Loan loss allowance to noncurrent loans | 71.1588% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 9.1157% | 169 |
| Noncurrent loans to loans | 5.1094% | 575 |
| Net loans and leases to total assets | 49.8729% | 5,154 |
| Net loans and leases to deposits | 54.3364% | 5,504 |
| Net loans and leases to core deposits | 54.6907% | 5,712 |
| Total domestic deposits to total assets | 91.7855% | 289 |
| Equity capital to assets | 3.4161% | 6,832 |
| Core capital (leverage) ratio | 4.1202% | 6,821 |
| Tier 1 risk-based capital ratio | 7.1988% | 6,796 |
| Total risk-based capital ratio | 8.4719% | 6,794 |
| Memoranda: | ||
| Average total assets | $46,714,000 | 6,172 |
| Average earning assets | $40,354,750 | 6,229 |
| Average equity | $1,906,500 | 6,783 |
| Average total loans | $25,539,000 | 6,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 1,572 |
| Cost of funding earning assets | 0.5524% | 3,383 |
| Net interest margin | 4.1476% | 1,416 |
| Noninterest income to average assets | 1.4328% | 767 |
| Noninterest expense to average assets | 5.1723% | 316 |
| Loan and lease loss provision to assets | 1.0546% | 168 |
| Net operating income to assets | -1.1975% | 6,778 |
| Return on assets (ROA) | -1.2647% | 6,788 |
| Pretax return on assets | -1.2647% | 6,776 |
| Return on Equity (ROE) | -29.5050% | 6,861 |
| Retained earnings to average equity (ytd only) | -29.5050% | 6,848 |
| Net charge-offs to loans | 2.0566% | 219 |
| Credit loss provision to net charge-offs | 92.2794% | 2,390 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 4,589 |
| Efficiency ratio | 102.8404% | 403 |
| Assets per employee ($millions) | 2.4719% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5067% | 371 |
| Loan loss allowance to noncurrent loans | 212.3077% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 8.9426% | 189 |
| Noncurrent loans to loans | 1.6517% | 2,837 |
| Net loans and leases to total assets | 48.5117% | 5,280 |
| Net loans and leases to deposits | 50.6064% | 5,793 |
| Net loans and leases to core deposits | 50.9003% | 5,971 |
| Total domestic deposits to total assets | 95.8608% | 27 |
| Equity capital to assets | 3.9454% | 6,868 |
| Core capital (leverage) ratio | 4.2854% | 6,866 |
| Tier 1 risk-based capital ratio | 7.2416% | 6,831 |
| Total risk-based capital ratio | 8.5137% | 6,832 |
| Memoranda: | ||
| Average total assets | $47,600,000 | 6,195 |
| Average earning assets | $41,277,000 | 6,247 |
| Average equity | $2,040,330 | 6,811 |
| Average total loans | $26,451,670 | 6,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 1,345 |
| Cost of funding earning assets | 0.5502% | 3,565 |
| Net interest margin | 4.2215% | 1,136 |
| Noninterest income to average assets | 1.3607% | 831 |
| Noninterest expense to average assets | 5.0254% | 364 |
| Loan and lease loss provision to assets | 2.0953% | 55 |
| Net operating income to assets | -2.0452% | 6,929 |
| Return on assets (ROA) | -2.1537% | 6,934 |
| Pretax return on assets | -2.1537% | 6,925 |
| Return on Equity (ROE) | -48.3599% | 6,970 |
| Retained earnings to average equity (ytd only) | -48.3599% | 6,962 |
| Net charge-offs to loans | 0.3444% | 1,610 |
| Credit loss provision to net charge-offs | 1,045.8333% | 302 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 3,737 |
| Efficiency ratio | 99.0132% | 584 |
| Assets per employee ($millions) | 2.6046% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9787% | 291 |
| Loan loss allowance to noncurrent loans | 49.1324% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 8.6284% | 273 |
| Noncurrent loans to loans | 8.0979% | 318 |
| Net loans and leases to total assets | 52.4733% | 4,630 |
| Net loans and leases to deposits | 54.8369% | 5,370 |
| Net loans and leases to core deposits | 55.1373% | 5,592 |
| Total domestic deposits to total assets | 95.6899% | 32 |
| Equity capital to assets | 4.0778% | 6,936 |
| Core capital (leverage) ratio | 4.3093% | 6,917 |
| Tier 1 risk-based capital ratio | 7.0116% | 6,897 |
| Total risk-based capital ratio | 8.2926% | 6,898 |
| Memoranda: | ||
| Average total assets | $47,917,000 | 6,251 |
| Average earning assets | $42,165,500 | 6,272 |
| Average equity | $2,134,000 | 6,865 |
| Average total loans | $27,871,500 | 5,994 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 1,802 |
| Cost of funding earning assets | 0.7733% | 2,883 |
| Net interest margin | 4.1382% | 1,863 |
| Noninterest income to average assets | 1.9316% | 459 |
| Noninterest expense to average assets | 5.1746% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6419% | 4,028 |
| Return on assets (ROA) | 0.5946% | 4,527 |
| Pretax return on assets | 0.3977% | 5,585 |
| Return on Equity (ROE) | 15.1744% | 784 |
| Retained earnings to average equity (ytd only) | 15.1744% | 151 |
| Net charge-offs to loans | -0.0988% | 6,822 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0813% | 913 |
| Assets per employee ($millions) | 2.4393% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9583% | 693 |
| Loan loss allowance to noncurrent loans | 69.8765% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 7.1182% | 431 |
| Noncurrent loans to loans | 4.2336% | 1,060 |
| Net loans and leases to total assets | 60.0915% | 3,589 |
| Net loans and leases to deposits | 63.4512% | 4,607 |
| Net loans and leases to core deposits | 63.8264% | 4,976 |
| Total domestic deposits to total assets | 94.7050% | 50 |
| Equity capital to assets | 4.8548% | 6,959 |
| Core capital (leverage) ratio | 5.0034% | 6,933 |
| Tier 1 risk-based capital ratio | 7.4178% | 6,935 |
| Total risk-based capital ratio | 8.6847% | 6,935 |
| Memoranda: | ||
| Average total assets | $50,786,400 | 6,191 |
| Average earning assets | $45,261,600 | 6,195 |
| Average equity | $1,990,200 | 6,950 |
| Average total loans | $33,395,800 | 5,779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 1,962 |
| Cost of funding earning assets | 0.8179% | 2,793 |
| Net interest margin | 4.0955% | 2,108 |
| Noninterest income to average assets | 2.1067% | 398 |
| Noninterest expense to average assets | 5.2154% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7168% | 3,841 |
| Return on assets (ROA) | 0.6089% | 4,606 |
| Pretax return on assets | 0.4496% | 5,598 |
| Return on Equity (ROE) | 16.4129% | 680 |
| Retained earnings to average equity (ytd only) | 16.4129% | 178 |
| Net charge-offs to loans | -0.1273% | 6,911 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3427% | 1,015 |
| Assets per employee ($millions) | 2.5767% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8946% | 808 |
| Loan loss allowance to noncurrent loans | 68.1380% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 7.1798% | 494 |
| Noncurrent loans to loans | 4.2482% | 1,152 |
| Net loans and leases to total assets | 61.4079% | 3,496 |
| Net loans and leases to deposits | 64.5184% | 4,660 |
| Net loans and leases to core deposits | 67.1452% | 4,821 |
| Total domestic deposits to total assets | 95.1790% | 38 |
| Equity capital to assets | 4.5472% | 7,075 |
| Core capital (leverage) ratio | 4.5356% | 7,056 |
| Tier 1 risk-based capital ratio | 6.7485% | 7,062 |
| Total risk-based capital ratio | 8.0166% | 7,062 |
| Memoranda: | ||
| Average total assets | $51,896,500 | 6,223 |
| Average earning assets | $46,456,750 | 6,237 |
| Average equity | $1,925,250 | 7,052 |
| Average total loans | $34,570,000 | 5,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 2,172 |
| Cost of funding earning assets | 0.8507% | 2,788 |
| Net interest margin | 4.0346% | 2,365 |
| Noninterest income to average assets | 2.2332% | 342 |
| Noninterest expense to average assets | 5.5829% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4578% | 5,008 |
| Return on assets (ROA) | 0.3461% | 5,670 |
| Pretax return on assets | 0.1749% | 6,186 |
| Return on Equity (ROE) | 9.9785% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.9785% | 980 |
| Net charge-offs to loans | -0.1487% | 6,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1173% | 746 |
| Assets per employee ($millions) | 2.7316% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5911% | 1,162 |
| Loan loss allowance to noncurrent loans | 56.0133% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 6.5754% | 623 |
| Noncurrent loans to loans | 4.6258% | 1,128 |
| Net loans and leases to total assets | 64.4566% | 2,943 |
| Net loans and leases to deposits | 67.3224% | 4,316 |
| Net loans and leases to core deposits | 70.5097% | 4,466 |
| Total domestic deposits to total assets | 95.7432% | 39 |
| Equity capital to assets | 3.9457% | 7,144 |
| Core capital (leverage) ratio | 3.9910% | 7,135 |
| Tier 1 risk-based capital ratio | 5.8753% | 7,130 |
| Total risk-based capital ratio | 7.1399% | 7,132 |
| Memoranda: | ||
| Average total assets | $53,735,330 | 6,198 |
| Average earning assets | $48,431,670 | 6,220 |
| Average equity | $1,864,000 | 7,113 |
| Average total loans | $36,316,670 | 5,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 2,135 |
| Cost of funding earning assets | 0.9028% | 2,662 |
| Net interest margin | 4.0273% | 2,387 |
| Noninterest income to average assets | 2.8776% | 258 |
| Noninterest expense to average assets | 5.6909% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8997% | 2,915 |
| Return on assets (ROA) | 0.7569% | 3,826 |
| Pretax return on assets | 0.7069% | 4,767 |
| Return on Equity (ROE) | 23.2202% | 237 |
| Retained earnings to average equity (ytd only) | 23.2202% | 119 |
| Net charge-offs to loans | -0.1256% | 6,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0087% | 1,377 |
| Assets per employee ($millions) | 2.9674% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3040% | 1,669 |
| Loan loss allowance to noncurrent loans | 36.6372% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 6.2700% | 728 |
| Noncurrent loans to loans | 6.2886% | 769 |
| Net loans and leases to total assets | 65.7331% | 2,513 |
| Net loans and leases to deposits | 68.4459% | 3,987 |
| Net loans and leases to core deposits | 71.4024% | 4,237 |
| Total domestic deposits to total assets | 96.0365% | 38 |
| Equity capital to assets | 3.5291% | 7,210 |
| Core capital (leverage) ratio | 3.6562% | 7,201 |
| Tier 1 risk-based capital ratio | 5.4400% | 7,192 |
| Total risk-based capital ratio | 6.6995% | 7,194 |
| Memoranda: | ||
| Average total assets | $56,019,000 | 6,173 |
| Average earning assets | $50,952,500 | 6,157 |
| Average equity | $1,826,000 | 7,176 |
| Average total loans | $38,207,500 | 5,721 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 3,189 |
| Cost of funding earning assets | 1.1129% | 2,591 |
| Net interest margin | 3.8210% | 3,721 |
| Noninterest income to average assets | 1.2164% | 893 |
| Noninterest expense to average assets | 5.1385% | 350 |
| Loan and lease loss provision to assets | 2.7252% | 150 |
| Net operating income to assets | -3.1188% | 7,193 |
| Return on assets (ROA) | -3.1507% | 7,200 |
| Pretax return on assets | -3.2059% | 7,208 |
| Return on Equity (ROE) | -62.8645% | 7,255 |
| Retained earnings to average equity (ytd only) | -62.8645% | 7,255 |
| Net charge-offs to loans | 4.1484% | 139 |
| Credit loss provision to net charge-offs | 92.7584% | 3,887 |
| Earnings coverage of net charge-offs (x) | -0.1526% | 5,926 |
| Efficiency ratio | 109.5568% | 443 |
| Assets per employee ($millions) | 2.2548% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0160% | 2,228 |
| Loan loss allowance to noncurrent loans | 35.4167% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 6.8861% | 670 |
| Noncurrent loans to loans | 5.6921% | 912 |
| Net loans and leases to total assets | 67.6520% | 2,463 |
| Net loans and leases to deposits | 71.2546% | 3,909 |
| Net loans and leases to core deposits | 76.4225% | 3,920 |
| Total domestic deposits to total assets | 94.9441% | 61 |
| Equity capital to assets | 3.0141% | 7,276 |
| Core capital (leverage) ratio | 3.3037% | 7,252 |
| Tier 1 risk-based capital ratio | 4.4017% | 7,267 |
| Total risk-based capital ratio | 5.6590% | 7,266 |
| Memoranda: | ||
| Average total assets | $61,574,000 | 5,995 |
| Average earning assets | $55,980,800 | 5,984 |
| Average equity | $3,086,000 | 6,989 |
| Average total loans | $43,607,400 | 5,535 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9392% | 3,386 |
| Cost of funding earning assets | 1.1483% | 2,642 |
| Net interest margin | 3.7908% | 3,917 |
| Noninterest income to average assets | 1.2218% | 882 |
| Noninterest expense to average assets | 5.2188% | 308 |
| Loan and lease loss provision to assets | 0.8024% | 1,161 |
| Net operating income to assets | -1.1396% | 6,934 |
| Return on assets (ROA) | -1.1576% | 6,963 |
| Pretax return on assets | -1.3737% | 6,986 |
| Return on Equity (ROE) | -21.1175% | 7,107 |
| Retained earnings to average equity (ytd only) | -21.1175% | 7,093 |
| Net charge-offs to loans | 1.9013% | 688 |
| Credit loss provision to net charge-offs | 59.2417% | 4,828 |
| Earnings coverage of net charge-offs (x) | -0.4060% | 5,803 |
| Efficiency ratio | 111.7782% | 397 |
| Assets per employee ($millions) | 2.2779% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 3,715 |
| Loan loss allowance to noncurrent loans | 30.3965% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 6.5242% | 792 |
| Noncurrent loans to loans | 5.2310% | 1,168 |
| Net loans and leases to total assets | 72.1052% | 1,682 |
| Net loans and leases to deposits | 78.0371% | 2,980 |
| Net loans and leases to core deposits | 84.4490% | 2,993 |
| Total domestic deposits to total assets | 92.3986% | 168 |
| Equity capital to assets | 5.5364% | 7,227 |
| Core capital (leverage) ratio | 5.6017% | 7,174 |
| Tier 1 risk-based capital ratio | 7.1075% | 7,237 |
| Total risk-based capital ratio | 8.3603% | 7,238 |
| Memoranda: | ||
| Average total assets | $62,311,250 | 6,024 |
| Average earning assets | $56,661,500 | 6,008 |
| Average equity | $3,415,750 | 6,961 |
| Average total loans | $44,390,000 | 5,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 3,614 |
| Cost of funding earning assets | 1.2054% | 2,539 |
| Net interest margin | 3.6962% | 4,280 |
| Noninterest income to average assets | 1.2283% | 838 |
| Noninterest expense to average assets | 5.3363% | 292 |
| Loan and lease loss provision to assets | 1.1841% | 664 |
| Net operating income to assets | -1.7524% | 7,148 |
| Return on assets (ROA) | -1.8156% | 7,170 |
| Pretax return on assets | -2.0019% | 7,162 |
| Return on Equity (ROE) | -33.2242% | 7,271 |
| Retained earnings to average equity (ytd only) | -33.2242% | 7,263 |
| Net charge-offs to loans | -0.0492% | 7,026 |
| Credit loss provision to net charge-offs | -3,409.0909% | 6,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3111% | 386 |
| Assets per employee ($millions) | 2.3170% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0265% | 873 |
| Loan loss allowance to noncurrent loans | 41.1728% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 8.0242% | 574 |
| Noncurrent loans to loans | 7.3508% | 673 |
| Net loans and leases to total assets | 70.9510% | 2,015 |
| Net loans and leases to deposits | 76.5290% | 3,373 |
| Net loans and leases to core deposits | 81.8753% | 3,515 |
| Total domestic deposits to total assets | 92.7112% | 148 |
| Equity capital to assets | 5.2703% | 7,307 |
| Core capital (leverage) ratio | 5.3257% | 7,273 |
| Tier 1 risk-based capital ratio | 6.9367% | 7,313 |
| Total risk-based capital ratio | 8.2066% | 7,317 |
| Memoranda: | ||
| Average total assets | $63,339,670 | 6,034 |
| Average earning assets | $57,572,000 | 6,038 |
| Average equity | $3,461,330 | 6,993 |
| Average total loans | $44,721,670 | 5,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 3,890 |
| Cost of funding earning assets | 1.3429% | 1,928 |
| Net interest margin | 3.4928% | 5,044 |
| Noninterest income to average assets | 1.1774% | 931 |
| Noninterest expense to average assets | 5.1720% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6944% | 6,910 |
| Return on assets (ROA) | -0.7521% | 6,945 |
| Pretax return on assets | -0.8877% | 6,955 |
| Return on Equity (ROE) | -13.5386% | 7,117 |
| Retained earnings to average equity (ytd only) | -13.5386% | 6,996 |
| Net charge-offs to loans | -0.0533% | 6,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8385% | 359 |
| Assets per employee ($millions) | 2.4404% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 2,108 |
| Loan loss allowance to noncurrent loans | 45.4719% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 5.8187% | 1,014 |
| Noncurrent loans to loans | 4.6969% | 1,476 |
| Net loans and leases to total assets | 68.8941% | 2,353 |
| Net loans and leases to deposits | 74.6176% | 3,664 |
| Net loans and leases to core deposits | 78.9846% | 3,890 |
| Total domestic deposits to total assets | 92.3295% | 207 |
| Equity capital to assets | 5.6138% | 7,331 |
| Core capital (leverage) ratio | 5.6919% | 7,294 |
| Tier 1 risk-based capital ratio | 7.6195% | 7,318 |
| Total risk-based capital ratio | 8.8788% | 7,324 |
| Memoranda: | ||
| Average total assets | $64,888,000 | 6,034 |
| Average earning assets | $58,978,500 | 6,031 |
| Average equity | $3,604,500 | 6,986 |
| Average total loans | $45,044,000 | 5,607 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4071% | 2,638 |
| Cost of funding earning assets | 1.7344% | 1,450 |
| Net interest margin | 3.6727% | 4,481 |
| Noninterest income to average assets | 0.8525% | 2,049 |
| Noninterest expense to average assets | 6.5212% | 183 |
| Loan and lease loss provision to assets | 0.0213% | 6,906 |
| Net operating income to assets | -2.2929% | 7,137 |
| Return on assets (ROA) | -2.1562% | 7,113 |
| Pretax return on assets | -2.1932% | 7,090 |
| Return on Equity (ROE) | -37.2547% | 7,314 |
| Retained earnings to average equity (ytd only) | -37.2547% | 7,304 |
| Net charge-offs to loans | 0.1756% | 5,270 |
| Credit loss provision to net charge-offs | 17.0455% | 6,578 |
| Earnings coverage of net charge-offs (x) | -18.4545% | 6,817 |
| Efficiency ratio | 154.9020% | 188 |
| Assets per employee ($millions) | 2.5510% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 2,096 |
| Loan loss allowance to noncurrent loans | 29.8019% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 7.5869% | 681 |
| Noncurrent loans to loans | 7.0035% | 803 |
| Net loans and leases to total assets | 67.0516% | 3,209 |
| Net loans and leases to deposits | 76.2695% | 3,795 |
| Net loans and leases to core deposits | 79.5293% | 4,271 |
| Total domestic deposits to total assets | 87.9141% | 2,302 |
| Equity capital to assets | 5.4987% | 7,399 |
| Core capital (leverage) ratio | 5.7769% | 7,335 |
| Tier 1 risk-based capital ratio | 7.6401% | 7,379 |
| Total risk-based capital ratio | 8.8973% | 7,380 |
| Memoranda: | ||
| Average total assets | $70,263,000 | 5,880 |
| Average earning assets | $64,230,600 | 5,851 |
| Average equity | $4,066,600 | 6,974 |
| Average total loans | $50,117,800 | 5,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 2,417 |
| Cost of funding earning assets | 1.7893% | 1,461 |
| Net interest margin | 3.7156% | 4,325 |
| Noninterest income to average assets | 0.7280% | 2,654 |
| Noninterest expense to average assets | 6.9896% | 152 |
| Loan and lease loss provision to assets | 0.0281% | 6,791 |
| Net operating income to assets | -2.8334% | 7,418 |
| Return on assets (ROA) | -2.6555% | 7,403 |
| Pretax return on assets | -2.7079% | 7,364 |
| Return on Equity (ROE) | -45.3542% | 7,531 |
| Retained earnings to average equity (ytd only) | -45.3542% | 7,529 |
| Net charge-offs to loans | 0.2496% | 4,439 |
| Credit loss provision to net charge-offs | 15.6250% | 6,289 |
| Earnings coverage of net charge-offs (x) | -15.9267% | 6,640 |
| Efficiency ratio | 169.3110% | 137 |
| Assets per employee ($millions) | 2.6742% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 2,388 |
| Loan loss allowance to noncurrent loans | 54.3981% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 5.1475% | 1,237 |
| Noncurrent loans to loans | 3.5594% | 2,203 |
| Net loans and leases to total assets | 68.4721% | 3,107 |
| Net loans and leases to deposits | 77.5893% | 3,906 |
| Net loans and leases to core deposits | 85.0477% | 3,788 |
| Total domestic deposits to total assets | 88.2495% | 1,826 |
| Equity capital to assets | 5.3891% | 7,543 |
| Core capital (leverage) ratio | 5.5794% | 7,485 |
| Tier 1 risk-based capital ratio | 7.3684% | 7,529 |
| Total risk-based capital ratio | 8.6245% | 7,531 |
| Memoranda: | ||
| Average total assets | $71,247,500 | 5,909 |
| Average earning assets | $65,200,500 | 5,886 |
| Average equity | $4,171,500 | 7,026 |
| Average total loans | $51,292,250 | 5,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 2,279 |
| Cost of funding earning assets | 1.8143% | 1,591 |
| Net interest margin | 3.7497% | 4,134 |
| Noninterest income to average assets | 0.4483% | 4,529 |
| Noninterest expense to average assets | 6.4271% | 184 |
| Loan and lease loss provision to assets | 0.0418% | 6,555 |
| Net operating income to assets | -2.4131% | 7,400 |
| Return on assets (ROA) | -2.4366% | 7,414 |
| Pretax return on assets | -2.5982% | 7,387 |
| Return on Equity (ROE) | -40.5750% | 7,539 |
| Retained earnings to average equity (ytd only) | -40.5750% | 7,532 |
| Net charge-offs to loans | 0.1111% | 5,047 |
| Credit loss provision to net charge-offs | 51.7241% | 5,380 |
| Earnings coverage of net charge-offs (x) | -31.3448% | 6,347 |
| Efficiency ratio | 164.9750% | 163 |
| Assets per employee ($millions) | 2.4235% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 2,323 |
| Loan loss allowance to noncurrent loans | 35.0261% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 6.3588% | 896 |
| Noncurrent loans to loans | 5.5401% | 1,189 |
| Net loans and leases to total assets | 72.4051% | 2,302 |
| Net loans and leases to deposits | 82.2695% | 3,226 |
| Net loans and leases to core deposits | 95.8757% | 2,453 |
| Total domestic deposits to total assets | 88.0096% | 1,998 |
| Equity capital to assets | 5.5321% | 7,590 |
| Core capital (leverage) ratio | 5.5050% | 7,552 |
| Tier 1 risk-based capital ratio | 7.2167% | 7,583 |
| Total risk-based capital ratio | 8.4740% | 7,590 |
| Memoranda: | ||
| Average total assets | $71,820,330 | 5,926 |
| Average earning assets | $66,031,670 | 5,899 |
| Average equity | $4,313,000 | 7,007 |
| Average total loans | $52,207,000 | 5,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 2,464 |
| Cost of funding earning assets | 1.8446% | 1,677 |
| Net interest margin | 3.6833% | 4,336 |
| Noninterest income to average assets | 1.1572% | 925 |
| Noninterest expense to average assets | 6.4141% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.7704% | 7,406 |
| Return on assets (ROA) | -1.7082% | 7,392 |
| Pretax return on assets | -1.8129% | 7,354 |
| Return on Equity (ROE) | -27.4003% | 7,535 |
| Retained earnings to average equity (ytd only) | -27.4003% | 7,499 |
| Net charge-offs to loans | -0.0306% | 7,202 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.4338% | 247 |
| Assets per employee ($millions) | 2.3846% | 7,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 2,267 |
| Loan loss allowance to noncurrent loans | 46.4011% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 6.1381% | 958 |
| Noncurrent loans to loans | 4.2425% | 1,804 |
| Net loans and leases to total assets | 71.3519% | 2,603 |
| Net loans and leases to deposits | 81.5501% | 3,364 |
| Net loans and leases to core deposits | 101.6044% | 1,962 |
| Total domestic deposits to total assets | 87.4946% | 2,361 |
| Equity capital to assets | 6.1325% | 7,605 |
| Core capital (leverage) ratio | 6.2743% | 7,536 |
| Tier 1 risk-based capital ratio | 8.0916% | 7,601 |
| Total risk-based capital ratio | 9.3478% | 7,608 |
| Memoranda: | ||
| Average total assets | $72,590,000 | 5,979 |
| Average earning assets | $66,571,000 | 5,950 |
| Average equity | $4,525,500 | 6,995 |
| Average total loans | $52,363,500 | 5,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 4,322 |
| Cost of funding earning assets | 2.4858% | 1,054 |
| Net interest margin | 2.9853% | 6,682 |
| Noninterest income to average assets | 1.1690% | 1,124 |
| Noninterest expense to average assets | 6.0226% | 307 |
| Loan and lease loss provision to assets | 0.2600% | 5,323 |
| Net operating income to assets | -2.4346% | 7,247 |
| Return on assets (ROA) | -2.3988% | 7,237 |
| Pretax return on assets | -2.3546% | 7,089 |
| Return on Equity (ROE) | -37.0377% | 7,524 |
| Retained earnings to average equity (ytd only) | -37.0377% | 7,511 |
| Net charge-offs to loans | 0.3464% | 4,502 |
| Credit loss provision to net charge-offs | 116.5775% | 4,650 |
| Earnings coverage of net charge-offs (x) | -9.5508% | 7,160 |
| Efficiency ratio | 154.7349% | 287 |
| Assets per employee ($millions) | 2.1660% | 7,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 2,170 |
| Loan loss allowance to noncurrent loans | 48.7351% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 5.8077% | 982 |
| Noncurrent loans to loans | 3.9784% | 1,860 |
| Net loans and leases to total assets | 70.1194% | 3,232 |
| Net loans and leases to deposits | 81.4698% | 3,701 |
| Net loans and leases to core deposits | 108.5197% | 3,051 |
| Total domestic deposits to total assets | 86.0679% | 2,984 |
| Equity capital to assets | 6.3333% | 7,605 |
| Core capital (leverage) ratio | 6.2999% | 7,553 |
| Tier 1 risk-based capital ratio | 8.5091% | 7,585 |
| Total risk-based capital ratio | 9.7648% | 7,614 |
| Memoranda: | ||
| Average total assets | $83,834,400 | 5,600 |
| Average earning assets | $76,475,200 | 5,584 |
| Average equity | $5,429,600 | 6,792 |
| Average total loans | $53,976,800 | 5,502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4024% | 4,937 |
| Cost of funding earning assets | 2.6071% | 1,015 |
| Net interest margin | 2.7953% | 7,070 |
| Noninterest income to average assets | 0.9956% | 1,622 |
| Noninterest expense to average assets | 5.7649% | 336 |
| Loan and lease loss provision to assets | 0.3210% | 4,418 |
| Net operating income to assets | -2.6147% | 7,487 |
| Return on assets (ROA) | -2.6363% | 7,503 |
| Pretax return on assets | -2.5684% | 7,371 |
| Return on Equity (ROE) | -40.5138% | 7,755 |
| Retained earnings to average equity (ytd only) | -40.5138% | 7,749 |
| Net charge-offs to loans | 0.4444% | 3,458 |
| Credit loss provision to net charge-offs | 114.9171% | 4,415 |
| Earnings coverage of net charge-offs (x) | -7.9668% | 6,889 |
| Efficiency ratio | 162.8870% | 259 |
| Assets per employee ($millions) | 2.3559% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 1,883 |
| Loan loss allowance to noncurrent loans | 53.5545% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 5.9901% | 900 |
| Noncurrent loans to loans | 3.6666% | 2,035 |
| Net loans and leases to total assets | 63.3903% | 4,995 |
| Net loans and leases to deposits | 72.9170% | 5,520 |
| Net loans and leases to core deposits | 95.5927% | 4,853 |
| Total domestic deposits to total assets | 86.9349% | 2,211 |
| Equity capital to assets | 6.1561% | 7,825 |
| Core capital (leverage) ratio | 6.0683% | 7,789 |
| Tier 1 risk-based capital ratio | 8.8156% | 7,677 |
| Total risk-based capital ratio | 10.0718% | 7,703 |
| Memoranda: | ||
| Average total assets | $86,382,250 | 5,540 |
| Average earning assets | $78,605,000 | 5,537 |
| Average equity | $5,621,000 | 6,807 |
| Average total loans | $54,306,250 | 5,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 6,010 |
| Cost of funding earning assets | 2.6763% | 1,087 |
| Net interest margin | 2.5420% | 7,424 |
| Noninterest income to average assets | 0.7821% | 2,505 |
| Noninterest expense to average assets | 5.8773% | 332 |
| Loan and lease loss provision to assets | 0.4702% | 3,173 |
| Net operating income to assets | -3.5964% | 7,776 |
| Return on assets (ROA) | -3.5987% | 7,777 |
| Pretax return on assets | -3.2574% | 7,625 |
| Return on Equity (ROE) | -54.4180% | 7,948 |
| Retained earnings to average equity (ytd only) | -54.4180% | 7,944 |
| Net charge-offs to loans | 0.5513% | 2,675 |
| Credit loss provision to net charge-offs | 136.8421% | 3,414 |
| Earnings coverage of net charge-offs (x) | -8.1053% | 6,502 |
| Efficiency ratio | 190.0585% | 217 |
| Assets per employee ($millions) | 2.6630% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 1,658 |
| Loan loss allowance to noncurrent loans | 60.3230% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 5.2755% | 964 |
| Noncurrent loans to loans | 3.2475% | 2,188 |
| Net loans and leases to total assets | 59.5701% | 5,747 |
| Net loans and leases to deposits | 67.6073% | 6,236 |
| Net loans and leases to core deposits | 88.9125% | 5,642 |
| Total domestic deposits to total assets | 88.1119% | 1,710 |
| Equity capital to assets | 5.5349% | 7,999 |
| Core capital (leverage) ratio | 6.1670% | 7,887 |
| Tier 1 risk-based capital ratio | 8.4048% | 7,859 |
| Total risk-based capital ratio | 9.6592% | 7,891 |
| Memoranda: | ||
| Average total assets | $88,476,670 | 5,514 |
| Average earning assets | $80,409,670 | 5,517 |
| Average equity | $5,851,000 | 6,781 |
| Average total loans | $55,144,330 | 5,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 6,478 |
| Cost of funding earning assets | 2.8072% | 963 |
| Net interest margin | 2.3460% | 7,673 |
| Noninterest income to average assets | 0.9958% | 1,495 |
| Noninterest expense to average assets | 5.7989% | 311 |
| Loan and lease loss provision to assets | 0.4911% | 2,509 |
| Net operating income to assets | -3.1540% | 7,866 |
| Return on assets (ROA) | -3.0188% | 7,849 |
| Pretax return on assets | -3.0278% | 7,765 |
| Return on Equity (ROE) | -42.2413% | 8,012 |
| Retained earnings to average equity (ytd only) | -42.2413% | 7,992 |
| Net charge-offs to loans | 0.3784% | 2,581 |
| Credit loss provision to net charge-offs | 205.6604% | 2,163 |
| Earnings coverage of net charge-offs (x) | -11.1887% | 5,627 |
| Efficiency ratio | 185.4467% | 222 |
| Assets per employee ($millions) | 2.4656% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 1,769 |
| Loan loss allowance to noncurrent loans | 34.4532% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 4.8636% | 949 |
| Noncurrent loans to loans | 5.3277% | 994 |
| Net loans and leases to total assets | 63.0220% | 5,156 |
| Net loans and leases to deposits | 73.4291% | 5,550 |
| Net loans and leases to core deposits | 98.7014% | 4,678 |
| Total domestic deposits to total assets | 85.8271% | 2,810 |
| Equity capital to assets | 6.7721% | 7,775 |
| Core capital (leverage) ratio | 6.9163% | 7,686 |
| Tier 1 risk-based capital ratio | 9.3271% | 7,563 |
| Total risk-based capital ratio | 10.5811% | 7,537 |
| Memoranda: | ||
| Average total assets | $88,776,000 | 5,528 |
| Average earning assets | $80,648,500 | 5,530 |
| Average equity | $6,344,500 | 6,642 |
| Average total loans | $56,019,000 | 5,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0589% | 5,256 |
| Cost of funding earning assets | 3.1790% | 1,256 |
| Net interest margin | 2.8799% | 7,192 |
| Noninterest income to average assets | 1.5981% | 546 |
| Noninterest expense to average assets | 6.9417% | 286 |
| Loan and lease loss provision to assets | 0.0670% | 6,555 |
| Net operating income to assets | -3.6339% | 7,934 |
| Return on assets (ROA) | -3.5334% | 7,900 |
| Pretax return on assets | -2.8053% | 7,661 |
| Return on Equity (ROE) | -35.6555% | 8,030 |
| Retained earnings to average equity (ytd only) | -35.6555% | 7,997 |
| Net charge-offs to loans | 0.8613% | 1,451 |
| Credit loss provision to net charge-offs | 13.0152% | 6,608 |
| Earnings coverage of net charge-offs (x) | -5.5141% | 6,846 |
| Efficiency ratio | 169.1889% | 284 |
| Assets per employee ($millions) | 2.3998% | 7,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 1,639 |
| Loan loss allowance to noncurrent loans | 30.4054% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 5.1098% | 668 |
| Noncurrent loans to loans | 5.9143% | 618 |
| Net loans and leases to total assets | 60.8879% | 5,785 |
| Net loans and leases to deposits | 71.6636% | 6,095 |
| Net loans and leases to core deposits | 94.8108% | 5,379 |
| Total domestic deposits to total assets | 84.9636% | 2,860 |
| Equity capital to assets | 7.5210% | 7,363 |
| Core capital (leverage) ratio | 8.2908% | 5,970 |
| Tier 1 risk-based capital ratio | 10.3128% | 6,403 |
| Total risk-based capital ratio | 11.5653% | 6,279 |
| Memoranda: | ||
| Average total assets | $89,545,800 | 5,376 |
| Average earning assets | $77,885,800 | 5,509 |
| Average equity | $8,873,800 | 5,782 |
| Average total loans | $53,520,800 | 5,546 |