Home > Premier Commercial Bank > Performance and Condition Ratios
Premier Commercial Bank, Performance and Condition Ratios
| 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 | 3.5506% | 5,207 |
| Cost of funding earning assets | 0.8003% | 652 |
| Net interest margin | 2.7502% | 5,875 |
| Noninterest income to average assets | 1.8859% | 373 |
| Noninterest expense to average assets | 4.2561% | 575 |
| Loan and lease loss provision to assets | 0.0017% | 4,576 |
| Net operating income to assets | 0.0362% | 6,048 |
| Return on assets (ROA) | 0.0477% | 6,051 |
| Pretax return on assets | 0.2224% | 5,834 |
| Return on Equity (ROE) | 0.4719% | 6,042 |
| Retained earnings to average equity (ytd only) | 0.4719% | 5,561 |
| Net charge-offs to loans | 0.0913% | 3,195 |
| Credit loss provision to net charge-offs | 3.2609% | 4,177 |
| Earnings coverage of net charge-offs (x) | 3.8478% | 3,798 |
| Efficiency ratio | 95.3822% | 530 |
| Assets per employee ($millions) | 3.6675% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,494 |
| Loan loss allowance to noncurrent loans | 913.1034% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,688 |
| Noncurrent loans to loans | 0.1411% | 5,333 |
| Net loans and leases to total assets | 60.1375% | 3,770 |
| Net loans and leases to deposits | 77.8089% | 2,993 |
| Net loans and leases to core deposits | 89.5549% | 2,329 |
| Total domestic deposits to total assets | 77.2888% | 5,554 |
| Equity capital to assets | 10.5320% | 3,438 |
| Core capital (leverage) ratio | 9.6195% | 4,071 |
| Tier 1 risk-based capital ratio | 14.6066% | 3,721 |
| Total risk-based capital ratio | 15.7891% | 3,691 |
| Memoranda: | ||
| Average total assets | $171,798,600 | 3,314 |
| Average earning assets | $160,931,000 | 3,268 |
| Average equity | $17,375,200 | 3,475 |
| Average total loans | $100,735,800 | 3,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 5,345 |
| Cost of funding earning assets | 0.7885% | 728 |
| Net interest margin | 2.7327% | 5,968 |
| Noninterest income to average assets | 1.8040% | 404 |
| Noninterest expense to average assets | 4.1419% | 647 |
| Loan and lease loss provision to assets | 0.0023% | 4,359 |
| Net operating income to assets | 0.0998% | 6,029 |
| Return on assets (ROA) | 0.1151% | 6,034 |
| Pretax return on assets | 0.2434% | 5,879 |
| Return on Equity (ROE) | 1.1499% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.1499% | 5,428 |
| Net charge-offs to loans | 0.1224% | 2,591 |
| Credit loss provision to net charge-offs | 3.2609% | 3,773 |
| Earnings coverage of net charge-offs (x) | 3.1197% | 3,737 |
| Efficiency ratio | 94.9186% | 549 |
| Assets per employee ($millions) | 3.6519% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,726 |
| Loan loss allowance to noncurrent loans | 900.6803% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 5,820 |
| Noncurrent loans to loans | 0.1426% | 5,490 |
| Net loans and leases to total assets | 59.2766% | 3,892 |
| Net loans and leases to deposits | 76.5555% | 3,124 |
| Net loans and leases to core deposits | 88.6927% | 2,351 |
| Total domestic deposits to total assets | 77.4296% | 5,610 |
| Equity capital to assets | 10.2237% | 3,901 |
| Core capital (leverage) ratio | 9.3664% | 4,550 |
| Tier 1 risk-based capital ratio | 14.5838% | 3,827 |
| Total risk-based capital ratio | 15.7835% | 3,807 |
| Memoranda: | ||
| Average total assets | $172,572,000 | 3,330 |
| Average earning assets | $161,644,000 | 3,286 |
| Average equity | $17,277,000 | 3,502 |
| Average total loans | $100,225,000 | 3,445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 5,334 |
| Cost of funding earning assets | 0.7765% | 799 |
| Net interest margin | 2.7573% | 5,979 |
| Noninterest income to average assets | 1.4692% | 563 |
| Noninterest expense to average assets | 4.0143% | 749 |
| Loan and lease loss provision to assets | 0.0035% | 4,148 |
| Net operating income to assets | 0.0123% | 6,169 |
| Return on assets (ROA) | 0.0197% | 6,193 |
| Pretax return on assets | 0.0428% | 6,157 |
| Return on Equity (ROE) | 0.1978% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.1978% | 5,634 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1429% | 429 |
| Assets per employee ($millions) | 3.5938% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 3,604 |
| Loan loss allowance to noncurrent loans | 186.3158% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 4,683 |
| Noncurrent loans to loans | 0.7228% | 3,894 |
| Net loans and leases to total assets | 60.1355% | 3,693 |
| Net loans and leases to deposits | 77.8137% | 2,824 |
| Net loans and leases to core deposits | 89.5997% | 2,162 |
| Total domestic deposits to total assets | 77.2814% | 5,763 |
| Equity capital to assets | 10.1338% | 3,928 |
| Core capital (leverage) ratio | 9.6634% | 4,094 |
| Tier 1 risk-based capital ratio | 14.6364% | 3,846 |
| Total risk-based capital ratio | 15.8867% | 3,795 |
| Memoranda: | ||
| Average total assets | $172,882,330 | 3,342 |
| Average earning assets | $161,755,000 | 3,298 |
| Average equity | $17,186,670 | 3,519 |
| Average total loans | $99,277,670 | 3,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5514% | 5,290 |
| Cost of funding earning assets | 0.7771% | 848 |
| Net interest margin | 2.7743% | 5,985 |
| Noninterest income to average assets | 1.3335% | 647 |
| Noninterest expense to average assets | 3.8134% | 962 |
| Loan and lease loss provision to assets | 0.0069% | 3,732 |
| Net operating income to assets | 0.0578% | 6,111 |
| Return on assets (ROA) | 0.0578% | 6,132 |
| Pretax return on assets | 0.1040% | 6,072 |
| Return on Equity (ROE) | 0.5869% | 6,124 |
| Retained earnings to average equity (ytd only) | 0.5869% | 5,348 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1731% | 583 |
| Assets per employee ($millions) | 3.4599% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,315 |
| Loan loss allowance to noncurrent loans | 173.9558% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 4,668 |
| Noncurrent loans to loans | 0.8414% | 3,784 |
| Net loans and leases to total assets | 57.4012% | 3,942 |
| Net loans and leases to deposits | 74.8418% | 2,962 |
| Net loans and leases to core deposits | 85.8758% | 2,332 |
| Total domestic deposits to total assets | 76.6967% | 6,001 |
| Equity capital to assets | 10.3501% | 3,402 |
| Core capital (leverage) ratio | 9.7608% | 3,916 |
| Tier 1 risk-based capital ratio | 15.0513% | 3,690 |
| Total risk-based capital ratio | 16.3019% | 3,635 |
| Memoranda: | ||
| Average total assets | $173,072,500 | 3,364 |
| Average earning assets | $161,627,500 | 3,328 |
| Average equity | $17,039,500 | 3,546 |
| Average total loans | $96,341,000 | 3,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 5,022 |
| Cost of funding earning assets | 0.9247% | 652 |
| Net interest margin | 2.8098% | 5,962 |
| Noninterest income to average assets | 1.7800% | 471 |
| Noninterest expense to average assets | 3.9787% | 894 |
| Loan and lease loss provision to assets | 0.0429% | 4,264 |
| Net operating income to assets | 1.5140% | 797 |
| Return on assets (ROA) | 1.5477% | 787 |
| Pretax return on assets | 0.4444% | 5,378 |
| Return on Equity (ROE) | 16.2325% | 596 |
| Retained earnings to average equity (ytd only) | 16.2325% | 145 |
| Net charge-offs to loans | -0.0393% | 6,283 |
| Credit loss provision to net charge-offs | -175.0000% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7663% | 1,043 |
| Assets per employee ($millions) | 3.9146% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,322 |
| Loan loss allowance to noncurrent loans | 199.8586% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 3,625 |
| Noncurrent loans to loans | 0.7369% | 4,116 |
| Net loans and leases to total assets | 52.4929% | 4,788 |
| Net loans and leases to deposits | 65.7915% | 4,319 |
| Net loans and leases to core deposits | 74.4559% | 3,786 |
| Total domestic deposits to total assets | 79.7867% | 5,499 |
| Equity capital to assets | 9.3797% | 4,570 |
| Core capital (leverage) ratio | 10.0860% | 3,455 |
| Tier 1 risk-based capital ratio | 14.9594% | 3,691 |
| Total risk-based capital ratio | 16.2104% | 3,635 |
| Memoranda: | ||
| Average total assets | $163,145,200 | 3,510 |
| Average earning assets | $153,996,000 | 3,435 |
| Average equity | $15,555,200 | 3,775 |
| Average total loans | $101,660,600 | 3,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 4,774 |
| Cost of funding earning assets | 0.9687% | 576 |
| Net interest margin | 2.8512% | 5,915 |
| Noninterest income to average assets | 1.9767% | 429 |
| Noninterest expense to average assets | 4.1220% | 747 |
| Loan and lease loss provision to assets | 0.0587% | 3,874 |
| Net operating income to assets | 0.4950% | 4,818 |
| Return on assets (ROA) | 0.5412% | 4,759 |
| Pretax return on assets | 0.5412% | 5,230 |
| Return on Equity (ROE) | 5.6498% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.6498% | 2,636 |
| Net charge-offs to loans | -0.0517% | 6,323 |
| Credit loss provision to net charge-offs | -175.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1572% | 1,155 |
| Assets per employee ($millions) | 3.6851% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 4,727 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 62.2870% | 3,313 |
| Net loans and leases to deposits | 79.6520% | 2,459 |
| Net loans and leases to core deposits | 91.0903% | 1,861 |
| Total domestic deposits to total assets | 78.1989% | 5,874 |
| Equity capital to assets | 9.4156% | 4,650 |
| Core capital (leverage) ratio | 9.7333% | 4,058 |
| Tier 1 risk-based capital ratio | 14.3547% | 4,180 |
| Total risk-based capital ratio | 15.5685% | 4,146 |
| Memoranda: | ||
| Average total assets | $158,914,000 | 3,607 |
| Average earning assets | $150,436,000 | 3,524 |
| Average equity | $15,221,500 | 3,873 |
| Average total loans | $103,091,500 | 3,404 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 5,039 |
| Cost of funding earning assets | 0.9718% | 636 |
| Net interest margin | 2.7619% | 6,077 |
| Noninterest income to average assets | 2.0331% | 434 |
| Noninterest expense to average assets | 4.1467% | 740 |
| Loan and lease loss provision to assets | 0.0503% | 3,982 |
| Net operating income to assets | 0.4589% | 4,976 |
| Return on assets (ROA) | 0.5281% | 4,843 |
| Pretax return on assets | 0.5281% | 5,275 |
| Return on Equity (ROE) | 5.4823% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.4823% | 2,752 |
| Net charge-offs to loans | -0.0096% | 5,758 |
| Credit loss provision to net charge-offs | -800.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0629% | 1,126 |
| Assets per employee ($millions) | 3.3856% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.0870% | 2,575 |
| Net loans and leases to deposits | 85.1462% | 1,664 |
| Net loans and leases to core deposits | 97.8624% | 1,223 |
| Total domestic deposits to total assets | 77.6159% | 6,048 |
| Equity capital to assets | 9.3274% | 4,816 |
| Core capital (leverage) ratio | 9.6569% | 3,998 |
| Tier 1 risk-based capital ratio | 14.0920% | 4,361 |
| Total risk-based capital ratio | 15.3260% | 4,332 |
| Memoranda: | ||
| Average total assets | $159,065,330 | 3,631 |
| Average earning assets | $151,055,670 | 3,533 |
| Average equity | $15,322,000 | 3,888 |
| Average total loans | $104,084,330 | 3,398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 5,122 |
| Cost of funding earning assets | 0.9599% | 747 |
| Net interest margin | 2.7528% | 6,120 |
| Noninterest income to average assets | 1.7505% | 523 |
| Noninterest expense to average assets | 4.0494% | 836 |
| Loan and lease loss provision to assets | 0.0252% | 4,156 |
| Net operating income to assets | 0.2943% | 5,590 |
| Return on assets (ROA) | 0.3446% | 5,524 |
| Pretax return on assets | 0.3446% | 5,734 |
| Return on Equity (ROE) | 3.5214% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.5214% | 4,129 |
| Net charge-offs to loans | -0.0194% | 5,693 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6885% | 929 |
| Assets per employee ($millions) | 3.9763% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 63.8787% | 2,731 |
| Net loans and leases to deposits | 82.2341% | 1,792 |
| Net loans and leases to core deposits | 92.9578% | 1,420 |
| Total domestic deposits to total assets | 77.6791% | 6,160 |
| Equity capital to assets | 9.7848% | 4,447 |
| Core capital (leverage) ratio | 9.5151% | 4,055 |
| Tier 1 risk-based capital ratio | 14.0831% | 4,445 |
| Total risk-based capital ratio | 15.3156% | 4,422 |
| Memoranda: | ||
| Average total assets | $159,037,000 | 3,670 |
| Average earning assets | $151,266,000 | 3,571 |
| Average equity | $15,562,000 | 3,897 |
| Average total loans | $102,873,000 | 3,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 5,651 |
| Cost of funding earning assets | 1.0172% | 1,268 |
| Net interest margin | 2.8569% | 6,300 |
| Noninterest income to average assets | 1.3853% | 817 |
| Noninterest expense to average assets | 3.8220% | 1,219 |
| Loan and lease loss provision to assets | 0.1230% | 4,082 |
| Net operating income to assets | 0.1568% | 5,875 |
| Return on assets (ROA) | 0.2087% | 5,942 |
| Pretax return on assets | 0.2087% | 5,977 |
| Return on Equity (ROE) | 1.9910% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.9910% | 4,823 |
| Net charge-offs to loans | 0.0441% | 5,298 |
| Credit loss provision to net charge-offs | 445.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,175 |
| Efficiency ratio | 93.1784% | 848 |
| Assets per employee ($millions) | 3.9755% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.8431% | 2,921 |
| Net loans and leases to deposits | 84.0911% | 1,746 |
| Net loans and leases to core deposits | 96.5030% | 1,262 |
| Total domestic deposits to total assets | 75.9214% | 6,363 |
| Equity capital to assets | 9.7855% | 4,471 |
| Core capital (leverage) ratio | 9.6896% | 3,822 |
| Tier 1 risk-based capital ratio | 13.8741% | 4,471 |
| Total risk-based capital ratio | 15.0896% | 4,460 |
| Memoranda: | ||
| Average total assets | $144,739,200 | 3,866 |
| Average earning assets | $137,632,800 | 3,762 |
| Average equity | $15,168,600 | 3,925 |
| Average total loans | $90,726,600 | 3,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 5,800 |
| Cost of funding earning assets | 1.0295% | 1,396 |
| Net interest margin | 2.8652% | 6,415 |
| Noninterest income to average assets | 1.2694% | 915 |
| Noninterest expense to average assets | 3.8223% | 1,171 |
| Loan and lease loss provision to assets | 0.1540% | 3,602 |
| Net operating income to assets | 0.0189% | 6,253 |
| Return on assets (ROA) | 0.0756% | 6,303 |
| Pretax return on assets | 0.0756% | 6,303 |
| Return on Equity (ROE) | 0.7077% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.7077% | 5,871 |
| Net charge-offs to loans | 0.0608% | 4,816 |
| Credit loss provision to net charge-offs | 407.5000% | 663 |
| Earnings coverage of net charge-offs (x) | 4.5751% | 3,267 |
| Efficiency ratio | 95.6738% | 693 |
| Assets per employee ($millions) | 3.9223% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.3543% | 3,144 |
| Net loans and leases to deposits | 86.2353% | 1,577 |
| Net loans and leases to core deposits | 101.6264% | 1,009 |
| Total domestic deposits to total assets | 73.4667% | 6,642 |
| Equity capital to assets | 10.0360% | 4,439 |
| Core capital (leverage) ratio | 9.7155% | 3,932 |
| Tier 1 risk-based capital ratio | 13.9086% | 4,600 |
| Total risk-based capital ratio | 15.1356% | 4,579 |
| Memoranda: | ||
| Average total assets | $141,168,750 | 3,971 |
| Average earning assets | $134,298,500 | 3,867 |
| Average equity | $15,070,500 | 3,983 |
| Average total loans | $87,701,500 | 3,843 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 6,049 |
| Cost of funding earning assets | 1.0462% | 1,494 |
| Net interest margin | 2.7956% | 6,586 |
| Noninterest income to average assets | 1.0260% | 1,388 |
| Noninterest expense to average assets | 3.7877% | 1,236 |
| Loan and lease loss provision to assets | 0.0729% | 4,718 |
| Net operating income to assets | -0.1749% | 6,516 |
| Return on assets (ROA) | -0.0874% | 6,532 |
| Pretax return on assets | -0.0874% | 6,515 |
| Return on Equity (ROE) | -0.8012% | 6,526 |
| Retained earnings to average equity (ytd only) | -0.8012% | 6,179 |
| Net charge-offs to loans | 0.0950% | 4,212 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | -1.7500% | 5,367 |
| Efficiency ratio | 102.7679% | 468 |
| Assets per employee ($millions) | 4.3898% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.8714% | 3,467 |
| Net loans and leases to deposits | 81.4714% | 2,174 |
| Net loans and leases to core deposits | 101.1602% | 1,030 |
| Total domestic deposits to total assets | 75.9424% | 6,468 |
| Equity capital to assets | 10.3469% | 3,889 |
| Core capital (leverage) ratio | 10.4251% | 2,894 |
| Tier 1 risk-based capital ratio | 14.6646% | 3,984 |
| Total risk-based capital ratio | 15.8603% | 3,989 |
| Memoranda: | ||
| Average total assets | $137,235,000 | 4,050 |
| Average earning assets | $130,564,330 | 3,947 |
| Average equity | $14,976,670 | 3,993 |
| Average total loans | $84,201,670 | 3,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 5,870 |
| Cost of funding earning assets | 1.1290% | 1,262 |
| Net interest margin | 2.8383% | 6,577 |
| Noninterest income to average assets | 0.7825% | 2,248 |
| Noninterest expense to average assets | 3.9304% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4497% | 6,797 |
| Return on assets (ROA) | -0.4497% | 6,831 |
| Pretax return on assets | -0.4497% | 6,802 |
| Return on Equity (ROE) | -4.0079% | 6,811 |
| Retained earnings to average equity (ytd only) | -4.0079% | 6,496 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9199% | 304 |
| Assets per employee ($millions) | 4.0919% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 4,540 |
| Loan loss allowance to noncurrent loans | 2,841.4634% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,828 |
| Noncurrent loans to loans | 0.0498% | 6,628 |
| Net loans and leases to total assets | 60.0890% | 3,646 |
| Net loans and leases to deposits | 80.9005% | 2,071 |
| Net loans and leases to core deposits | 97.5932% | 1,156 |
| Total domestic deposits to total assets | 74.2752% | 6,720 |
| Equity capital to assets | 11.0810% | 2,813 |
| Core capital (leverage) ratio | 10.6055% | 2,642 |
| Tier 1 risk-based capital ratio | 15.7969% | 3,287 |
| Total risk-based capital ratio | 17.0479% | 3,256 |
| Memoranda: | ||
| Average total assets | $133,420,000 | 4,156 |
| Average earning assets | $126,838,500 | 4,040 |
| Average equity | $14,970,500 | 3,998 |
| Average total loans | $80,900,000 | 4,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 5,813 |
| Cost of funding earning assets | 1.1977% | 2,039 |
| Net interest margin | 3.0846% | 6,375 |
| Noninterest income to average assets | 0.2912% | 5,452 |
| Noninterest expense to average assets | 3.7016% | 1,538 |
| Loan and lease loss provision to assets | 0.2486% | 3,722 |
| Net operating income to assets | -0.7357% | 6,624 |
| Return on assets (ROA) | -0.6420% | 6,614 |
| Pretax return on assets | -0.6420% | 6,571 |
| Return on Equity (ROE) | -5.0060% | 6,527 |
| Retained earnings to average equity (ytd only) | -5.0060% | 6,446 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1523% | 353 |
| Assets per employee ($millions) | 4.5451% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,166 |
| Loan loss allowance to noncurrent loans | 2,709.3023% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,889 |
| Noncurrent loans to loans | 0.0541% | 6,686 |
| Net loans and leases to total assets | 59.4278% | 4,102 |
| Net loans and leases to deposits | 80.9905% | 2,361 |
| Net loans and leases to core deposits | 98.5407% | 1,297 |
| Total domestic deposits to total assets | 73.3762% | 6,776 |
| Equity capital to assets | 11.3636% | 2,629 |
| Core capital (leverage) ratio | 11.0742% | 2,215 |
| Tier 1 risk-based capital ratio | 16.0143% | 3,040 |
| Total risk-based capital ratio | 17.2644% | 2,999 |
| Memoranda: | ||
| Average total assets | $117,437,200 | 4,472 |
| Average earning assets | $111,295,200 | 4,362 |
| Average equity | $15,061,800 | 3,895 |
| Average total loans | $73,619,200 | 4,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 5,785 |
| Cost of funding earning assets | 1.2204% | 2,189 |
| Net interest margin | 3.1272% | 6,347 |
| Noninterest income to average assets | 0.2717% | 5,674 |
| Noninterest expense to average assets | 3.8718% | 1,195 |
| Loan and lease loss provision to assets | 0.2377% | 3,627 |
| Net operating income to assets | -0.8760% | 6,836 |
| Return on assets (ROA) | -0.7472% | 6,811 |
| Pretax return on assets | -0.7472% | 6,756 |
| Return on Equity (ROE) | -5.6399% | 6,703 |
| Retained earnings to average equity (ytd only) | -5.6399% | 6,627 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7392% | 310 |
| Assets per employee ($millions) | 4.6985% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.2458% | 4,465 |
| Net loans and leases to deposits | 80.8655% | 2,549 |
| Net loans and leases to core deposits | 104.5667% | 951 |
| Total domestic deposits to total assets | 72.0280% | 6,933 |
| Equity capital to assets | 11.9448% | 2,296 |
| Core capital (leverage) ratio | 11.7294% | 1,871 |
| Tier 1 risk-based capital ratio | 16.4497% | 2,887 |
| Total risk-based capital ratio | 17.6753% | 2,868 |
| Memoranda: | ||
| Average total assets | $113,844,750 | 4,584 |
| Average earning assets | $107,827,000 | 4,484 |
| Average equity | $15,082,750 | 3,898 |
| Average total loans | $72,150,250 | 4,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 5,712 |
| Cost of funding earning assets | 1.2397% | 2,325 |
| Net interest margin | 3.1561% | 6,270 |
| Noninterest income to average assets | 0.2082% | 6,174 |
| Noninterest expense to average assets | 4.0381% | 990 |
| Loan and lease loss provision to assets | 0.2447% | 3,459 |
| Net operating income to assets | -1.0849% | 6,967 |
| Return on assets (ROA) | -1.0849% | 6,979 |
| Pretax return on assets | -1.0849% | 6,926 |
| Return on Equity (ROE) | -7.8888% | 6,861 |
| Retained earnings to average equity (ytd only) | -7.8888% | 6,771 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2707% | 285 |
| Assets per employee ($millions) | 4.4656% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.2439% | 3,627 |
| Net loans and leases to deposits | 83.0900% | 2,258 |
| Net loans and leases to core deposits | 105.4256% | 963 |
| Total domestic deposits to total assets | 76.1149% | 6,583 |
| Equity capital to assets | 12.9261% | 1,555 |
| Core capital (leverage) ratio | 12.7665% | 1,261 |
| Tier 1 risk-based capital ratio | 16.7921% | 2,609 |
| Total risk-based capital ratio | 17.9635% | 2,600 |
| Memoranda: | ||
| Average total assets | $109,506,670 | 4,711 |
| Average earning assets | $103,735,330 | 4,609 |
| Average equity | $15,059,330 | 3,894 |
| Average total loans | $71,211,670 | 4,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 5,807 |
| Cost of funding earning assets | 1.2615% | 2,418 |
| Net interest margin | 3.1040% | 6,340 |
| Noninterest income to average assets | 0.2297% | 6,079 |
| Noninterest expense to average assets | 4.1504% | 868 |
| Loan and lease loss provision to assets | 0.3352% | 2,550 |
| Net operating income to assets | -1.3182% | 7,140 |
| Return on assets (ROA) | -1.3182% | 7,145 |
| Pretax return on assets | -1.3182% | 7,104 |
| Return on Equity (ROE) | -9.2807% | 7,003 |
| Retained earnings to average equity (ytd only) | -9.2807% | 6,829 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0345% | 256 |
| Assets per employee ($millions) | 4.1163% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.0435% | 3,434 |
| Net loans and leases to deposits | 85.1055% | 1,861 |
| Net loans and leases to core deposits | 109.5501% | 749 |
| Total domestic deposits to total assets | 75.2519% | 6,763 |
| Equity capital to assets | 13.4299% | 1,209 |
| Core capital (leverage) ratio | 13.7286% | 907 |
| Tier 1 risk-based capital ratio | 17.8598% | 2,162 |
| Total risk-based capital ratio | 19.0341% | 2,150 |
| Memoranda: | ||
| Average total assets | $106,207,000 | 4,830 |
| Average earning assets | $100,514,500 | 4,729 |
| Average equity | $15,085,000 | 3,888 |
| Average total loans | $69,599,000 | 4,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 6,794 |
| Cost of funding earning assets | 1.3093% | 3,820 |
| Net interest margin | 2.9884% | 6,748 |
| Noninterest income to average assets | 0.1113% | 6,842 |
| Noninterest expense to average assets | 3.6699% | 1,773 |
| Loan and lease loss provision to assets | 0.5578% | 2,895 |
| Net operating income to assets | -1.2827% | 6,823 |
| Return on assets (ROA) | -1.2804% | 6,845 |
| Pretax return on assets | -1.2804% | 6,770 |
| Return on Equity (ROE) | -7.2619% | 6,569 |
| Retained earnings to average equity (ytd only) | -7.2619% | 6,475 |
| Net charge-offs to loans | 0.4878% | 3,671 |
| Credit loss provision to net charge-offs | 175.7895% | 1,899 |
| Earnings coverage of net charge-offs (x) | -2.2842% | 6,717 |
| Efficiency ratio | 124.6125% | 359 |
| Assets per employee ($millions) | 4.2198% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 65.3524% | 3,592 |
| Net loans and leases to deposits | 84.0936% | 2,433 |
| Net loans and leases to core deposits | 110.8775% | 876 |
| Total domestic deposits to total assets | 77.7139% | 6,368 |
| Equity capital to assets | 15.0522% | 775 |
| Core capital (leverage) ratio | 15.5181% | 579 |
| Tier 1 risk-based capital ratio | 19.4072% | 1,618 |
| Total risk-based capital ratio | 20.5416% | 1,613 |
| Memoranda: | ||
| Average total assets | $89,812,200 | 5,295 |
| Average earning assets | $85,162,400 | 5,175 |
| Average equity | $15,836,000 | 3,802 |
| Average total loans | $58,423,200 | 5,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 6,944 |
| Cost of funding earning assets | 1.3450% | 3,942 |
| Net interest margin | 2.9745% | 6,880 |
| Noninterest income to average assets | 0.0506% | 7,263 |
| Noninterest expense to average assets | 3.6834% | 1,604 |
| Loan and lease loss provision to assets | 0.6701% | 2,279 |
| Net operating income to assets | -1.4813% | 7,104 |
| Return on assets (ROA) | -1.4813% | 7,119 |
| Pretax return on assets | -1.4813% | 7,038 |
| Return on Equity (ROE) | -8.0579% | 6,841 |
| Retained earnings to average equity (ytd only) | -8.0579% | 6,777 |
| Net charge-offs to loans | 0.6754% | 2,738 |
| Credit loss provision to net charge-offs | 153.3333% | 2,517 |
| Earnings coverage of net charge-offs (x) | -1.8562% | 6,527 |
| Efficiency ratio | 128.2435% | 308 |
| Assets per employee ($millions) | 5.9506% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.3640% | 4,052 |
| Net loans and leases to deposits | 83.0467% | 2,902 |
| Net loans and leases to core deposits | 102.0602% | 1,649 |
| Total domestic deposits to total assets | 77.5034% | 6,365 |
| Equity capital to assets | 16.3890% | 604 |
| Core capital (leverage) ratio | 16.6072% | 480 |
| Tier 1 risk-based capital ratio | 21.5045% | 1,285 |
| Total risk-based capital ratio | 22.6560% | 1,276 |
| Memoranda: | ||
| Average total assets | $86,946,750 | 5,446 |
| Average earning assets | $82,476,500 | 5,325 |
| Average equity | $15,984,000 | 3,813 |
| Average total loans | $56,264,500 | 5,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 7,057 |
| Cost of funding earning assets | 1.4010% | 3,871 |
| Net interest margin | 2.8948% | 7,015 |
| Noninterest income to average assets | 0.0380% | 7,392 |
| Noninterest expense to average assets | 3.7414% | 1,472 |
| Loan and lease loss provision to assets | 0.3017% | 3,982 |
| Net operating income to assets | -1.2614% | 7,054 |
| Return on assets (ROA) | -1.2614% | 7,068 |
| Pretax return on assets | -1.2614% | 6,990 |
| Return on Equity (ROE) | -6.5919% | 6,807 |
| Retained earnings to average equity (ytd only) | -6.5919% | 6,703 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5004% | 286 |
| Assets per employee ($millions) | 6.4223% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 4,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.1491% | 3,799 |
| Net loans and leases to deposits | 87.0780% | 2,322 |
| Net loans and leases to core deposits | 110.5029% | 1,134 |
| Total domestic deposits to total assets | 75.9654% | 6,704 |
| Equity capital to assets | 17.8441% | 434 |
| Core capital (leverage) ratio | 18.1937% | 345 |
| Tier 1 risk-based capital ratio | 21.9551% | 1,211 |
| Total risk-based capital ratio | 23.0685% | 1,206 |
| Memoranda: | ||
| Average total assets | $84,192,330 | 5,558 |
| Average earning assets | $79,799,330 | 5,450 |
| Average equity | $16,110,670 | 3,779 |
| Average total loans | $54,322,670 | 5,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 7,149 |
| Cost of funding earning assets | 1.4677% | 3,757 |
| Net interest margin | 2.8213% | 7,151 |
| Noninterest income to average assets | 0.0344% | 7,540 |
| Noninterest expense to average assets | 3.9197% | 1,146 |
| Loan and lease loss provision to assets | 0.1180% | 5,418 |
| Net operating income to assets | -1.3279% | 7,268 |
| Return on assets (ROA) | -1.3279% | 7,279 |
| Pretax return on assets | -1.3279% | 7,191 |
| Return on Equity (ROE) | -6.6898% | 6,967 |
| Retained earnings to average equity (ytd only) | -6.6898% | 6,706 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.6461% | 230 |
| Assets per employee ($millions) | 5.9787% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 4,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.7034% | 4,814 |
| Net loans and leases to deposits | 83.0364% | 3,100 |
| Net loans and leases to core deposits | 113.5898% | 1,059 |
| Total domestic deposits to total assets | 74.3089% | 7,004 |
| Equity capital to assets | 19.2050% | 326 |
| Core capital (leverage) ratio | 19.3201% | 289 |
| Tier 1 risk-based capital ratio | 25.9533% | 777 |
| Total risk-based capital ratio | 27.0810% | 774 |
| Memoranda: | ||
| Average total assets | $81,332,500 | 5,729 |
| Average earning assets | $77,127,000 | 5,596 |
| Average equity | $16,144,000 | 3,808 |
| Average total loans | $51,354,000 | 5,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 7,614 |
| Cost of funding earning assets | 1.3829% | 6,007 |
| Net interest margin | 2.8008% | 7,061 |
| Noninterest income to average assets | 0.2373% | 6,396 |
| Noninterest expense to average assets | 5.4011% | 412 |
| Loan and lease loss provision to assets | 1.8634% | 1,202 |
| Net operating income to assets | -4.3572% | 7,661 |
| Return on assets (ROA) | -4.3313% | 7,657 |
| Pretax return on assets | -4.3313% | 7,607 |
| Return on Equity (ROE) | -13.5007% | 6,854 |
| Retained earnings to average equity (ytd only) | -13.5007% | 6,783 |
| Net charge-offs to loans | 1.6391% | 1,544 |
| Credit loss provision to net charge-offs | 194.7674% | 2,038 |
| Earnings coverage of net charge-offs (x) | -2.6066% | 7,037 |
| Efficiency ratio | 185.7781% | 172 |
| Assets per employee ($millions) | 5.2642% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 62.9700% | 4,824 |
| Net loans and leases to deposits | 86.5726% | 2,811 |
| Net loans and leases to core deposits | 114.8364% | 2,431 |
| Total domestic deposits to total assets | 72.7366% | 7,180 |
| Equity capital to assets | 20.5324% | 271 |
| Core capital (leverage) ratio | 20.8872% | 246 |
| Tier 1 risk-based capital ratio | 27.0638% | 698 |
| Total risk-based capital ratio | 28.1821% | 691 |
| Memoranda: | ||
| Average total assets | $53,933,600 | 6,558 |
| Average earning assets | $51,414,400 | 6,478 |
| Average equity | $17,302,800 | 3,613 |
| Average total loans | $31,481,400 | 6,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 7,836 |
| Cost of funding earning assets | 1.1670% | 6,984 |
| Net interest margin | 2.7328% | 7,161 |
| Noninterest income to average assets | 0.3468% | 5,725 |
| Noninterest expense to average assets | 6.0210% | 307 |
| Loan and lease loss provision to assets | 2.6008% | 626 |
| Net operating income to assets | -5.6687% | 7,901 |
| Return on assets (ROA) | -5.6295% | 7,896 |
| Pretax return on assets | -5.6295% | 7,879 |
| Return on Equity (ROE) | -15.2711% | 7,201 |
| Retained earnings to average equity (ytd only) | -15.2711% | 7,149 |
| Net charge-offs to loans | 2.5712% | 710 |
| Credit loss provision to net charge-offs | 180.2326% | 2,538 |
| Earnings coverage of net charge-offs (x) | -2.1260% | 6,754 |
| Efficiency ratio | 203.8826% | 144 |
| Assets per employee ($millions) | 4.5743% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.4009% | 4,773 |
| Net loans and leases to deposits | 94.7285% | 1,758 |
| Net loans and leases to core deposits | 123.3888% | 1,957 |
| Total domestic deposits to total assets | 67.9847% | 7,574 |
| Equity capital to assets | 24.2443% | 190 |
| Core capital (leverage) ratio | 25.8333% | 157 |
| Tier 1 risk-based capital ratio | 30.4127% | 544 |
| Total risk-based capital ratio | 31.5049% | 538 |
| Memoranda: | ||
| Average total assets | $47,676,250 | 6,848 |
| Average earning assets | $45,472,000 | 6,759 |
| Average equity | $17,575,250 | 3,600 |
| Average total loans | $26,756,750 | 6,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5192% | 8,023 |
| Cost of funding earning assets | 1.0055% | 7,546 |
| Net interest margin | 2.5137% | 7,466 |
| Noninterest income to average assets | 0.0344% | 7,816 |
| Noninterest expense to average assets | 7.0963% | 212 |
| Loan and lease loss provision to assets | 1.2138% | 1,417 |
| Net operating income to assets | -5.8678% | 7,993 |
| Return on assets (ROA) | -5.7990% | 7,980 |
| Pretax return on assets | -5.7990% | 7,936 |
| Return on Equity (ROE) | -13.1927% | 7,233 |
| Retained earnings to average equity (ytd only) | -13.1927% | 7,126 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 290.5433% | 87 |
| Assets per employee ($millions) | 3.6546% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.4928% | 6,037 |
| Net loans and leases to deposits | 97.8758% | 1,539 |
| Net loans and leases to core deposits | 106.5664% | 3,770 |
| Total domestic deposits to total assets | 58.7406% | 7,967 |
| Equity capital to assets | 31.5876% | 122 |
| Core capital (leverage) ratio | 38.0717% | 97 |
| Tier 1 risk-based capital ratio | 39.8424% | 313 |
| Total risk-based capital ratio | 40.8128% | 309 |
| Memoranda: | ||
| Average total assets | $40,697,000 | 7,177 |
| Average earning assets | $38,985,670 | 7,094 |
| Average equity | $17,888,670 | 3,565 |
| Average total loans | $20,752,330 | 7,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 8,077 |
| Cost of funding earning assets | 0.9383% | 7,764 |
| Net interest margin | 2.6914% | 7,222 |
| Noninterest income to average assets | 0.0357% | 7,899 |
| Noninterest expense to average assets | 8.3363% | 144 |
| Loan and lease loss provision to assets | 0.6897% | 1,829 |
| Net operating income to assets | -6.3979% | 8,107 |
| Return on assets (ROA) | -6.2314% | 8,092 |
| Pretax return on assets | -6.2314% | 8,061 |
| Return on Equity (ROE) | -11.5323% | 7,450 |
| Retained earnings to average equity (ytd only) | -11.5323% | 7,239 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 317.1946% | 73 |
| Assets per employee ($millions) | 2.4749% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.2274% | 7,173 |
| Net loans and leases to deposits | 89.9376% | 2,938 |
| Net loans and leases to core deposits | 96.2857% | 4,933 |
| Total domestic deposits to total assets | 51.3994% | 8,090 |
| Equity capital to assets | 48.2639% | 71 |
| Core capital (leverage) ratio | 56.0341% | 60 |
| Tier 1 risk-based capital ratio | 75.9768% | 98 |
| Total risk-based capital ratio | 76.9472% | 97 |
| Memoranda: | ||
| Average total assets | $33,636,000 | 7,508 |
| Average earning assets | $32,399,500 | 7,425 |
| Average equity | $18,175,000 | 3,544 |
| Average total loans | $15,162,500 | 7,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1158% | 8,212 |
| Cost of funding earning assets | 0.5329% | 8,185 |
| Net interest margin | 1.5829% | 8,175 |
| Noninterest income to average assets | 0.0831% | 7,724 |
| Noninterest expense to average assets | 9.6478% | 152 |
| Loan and lease loss provision to assets | 0.6349% | 2,286 |
| Net operating income to assets | -8.6842% | 8,235 |
| Return on assets (ROA) | -8.6842% | 8,235 |
| Pretax return on assets | -8.6842% | 8,223 |
| Return on Equity (ROE) | -12.1742% | 7,435 |
| Retained earnings to average equity (ytd only) | -12.1742% | 7,257 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 603.5461% | 33 |
| Assets per employee ($millions) | 2.3192% | 7,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 3,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.3563% | 7,567 |
| Net loans and leases to deposits | 110.1052% | 824 |
| Net loans and leases to core deposits | 118.8681% | 2,803 |
| Total domestic deposits to total assets | 38.4689% | 8,198 |
| Equity capital to assets | 61.1397% | 55 |
| Core capital (leverage) ratio | 60.1307% | 62 |
| Tier 1 risk-based capital ratio | 102.9380% | 79 |
| Total risk-based capital ratio | 103.8872% | 79 |
| Memoranda: | ||
| Average total assets | $26,462,000 | 7,790 |
| Average earning assets | $25,333,670 | 7,722 |
| Average equity | $18,876,000 | 3,419 |
| Average total loans | $7,208,670 | 8,075 |