Home > Regal Financial Bank > Performance and Condition Ratios
Regal Financial Bank, Performance and Condition Ratios
| 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 | 4.2235% | 2,914 |
| Cost of funding earning assets | 0.5021% | 2,734 |
| Net interest margin | 3.7213% | 2,936 |
| Noninterest income to average assets | 1.2434% | 784 |
| Noninterest expense to average assets | 4.4660% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3429% | 5,451 |
| Return on assets (ROA) | 0.3429% | 5,522 |
| Pretax return on assets | 0.3294% | 5,718 |
| Return on Equity (ROE) | 3.0479% | 5,523 |
| Retained earnings to average equity (ytd only) | 3.0479% | 4,448 |
| Net charge-offs to loans | -0.0879% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1306% | 637 |
| Assets per employee ($millions) | 4.7633% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 841 |
| Loan loss allowance to noncurrent loans | 35.3391% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 7.1274% | 161 |
| Noncurrent loans to loans | 6.4630% | 196 |
| Net loans and leases to total assets | 80.9722% | 611 |
| Net loans and leases to deposits | 92.1987% | 1,208 |
| Net loans and leases to core deposits | 92.4773% | 1,995 |
| Total domestic deposits to total assets | 87.8236% | 1,851 |
| Equity capital to assets | 11.7891% | 2,226 |
| Core capital (leverage) ratio | 11.5010% | 2,062 |
| Tier 1 risk-based capital ratio | 14.5123% | 3,874 |
| Total risk-based capital ratio | 15.7749% | 3,810 |
| Memoranda: | ||
| Average total assets | $98,759,500 | 4,673 |
| Average earning assets | $94,264,500 | 4,595 |
| Average equity | $11,111,250 | 4,571 |
| Average total loans | $77,359,000 | 3,981 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,013 |
| Cost of funding earning assets | 0.5046% | 2,791 |
| Net interest margin | 3.6792% | 3,035 |
| Noninterest income to average assets | 1.4151% | 605 |
| Noninterest expense to average assets | 4.2592% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6785% | 3,948 |
| Return on assets (ROA) | 0.6785% | 4,049 |
| Pretax return on assets | 0.6585% | 4,765 |
| Return on Equity (ROE) | 6.1239% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.1239% | 2,247 |
| Net charge-offs to loans | -0.1458% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6097% | 1,208 |
| Assets per employee ($millions) | 4.4607% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3049% | 891 |
| Loan loss allowance to noncurrent loans | 34.6626% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 8.0898% | 135 |
| Noncurrent loans to loans | 6.6494% | 199 |
| Net loans and leases to total assets | 78.0906% | 898 |
| Net loans and leases to deposits | 88.6599% | 1,514 |
| Net loans and leases to core deposits | 89.9894% | 2,127 |
| Total domestic deposits to total assets | 88.0788% | 1,862 |
| Equity capital to assets | 11.5360% | 2,387 |
| Core capital (leverage) ratio | 11.1692% | 2,274 |
| Tier 1 risk-based capital ratio | 14.4466% | 3,963 |
| Total risk-based capital ratio | 15.7092% | 3,895 |
| Memoranda: | ||
| Average total assets | $99,924,000 | 4,686 |
| Average earning assets | $95,130,000 | 4,608 |
| Average equity | $11,071,330 | 4,595 |
| Average total loans | $76,831,330 | 4,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,138 |
| Cost of funding earning assets | 0.5001% | 2,910 |
| Net interest margin | 3.6383% | 3,106 |
| Noninterest income to average assets | 0.5118% | 3,318 |
| Noninterest expense to average assets | 3.9437% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0317% | 6,162 |
| Return on assets (ROA) | 0.0317% | 6,181 |
| Pretax return on assets | 0.0317% | 6,176 |
| Return on Equity (ROE) | 0.2923% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.2923% | 5,455 |
| Net charge-offs to loans | -0.2052% | 6,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2016% | 498 |
| Assets per employee ($millions) | 4.4835% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3852% | 930 |
| Loan loss allowance to noncurrent loans | 30.8527% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 8.6458% | 142 |
| Noncurrent loans to loans | 7.7309% | 181 |
| Net loans and leases to total assets | 74.3098% | 1,226 |
| Net loans and leases to deposits | 83.9445% | 1,824 |
| Net loans and leases to core deposits | 85.3720% | 2,382 |
| Total domestic deposits to total assets | 88.5226% | 1,923 |
| Equity capital to assets | 11.1094% | 2,617 |
| Core capital (leverage) ratio | 10.9172% | 2,469 |
| Tier 1 risk-based capital ratio | 14.9091% | 3,760 |
| Total risk-based capital ratio | 16.1732% | 3,708 |
| Memoranda: | ||
| Average total assets | $100,818,000 | 4,718 |
| Average earning assets | $95,978,000 | 4,630 |
| Average equity | $10,946,500 | 4,630 |
| Average total loans | $76,025,500 | 4,068 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,863 |
| Cost of funding earning assets | 0.4880% | 3,737 |
| Net interest margin | 3.5772% | 3,563 |
| Noninterest income to average assets | 0.3799% | 4,598 |
| Noninterest expense to average assets | 4.6848% | 450 |
| Loan and lease loss provision to assets | 1.8785% | 54 |
| Net operating income to assets | -2.7613% | 6,752 |
| Return on assets (ROA) | -2.7613% | 6,750 |
| Pretax return on assets | -2.7613% | 6,747 |
| Return on Equity (ROE) | -22.1282% | 6,695 |
| Retained earnings to average equity (ytd only) | -22.1282% | 6,683 |
| Net charge-offs to loans | 2.6279% | 106 |
| Credit loss provision to net charge-offs | 90.8168% | 2,733 |
| Earnings coverage of net charge-offs (x) | -0.4268% | 5,184 |
| Efficiency ratio | 123.2185% | 157 |
| Assets per employee ($millions) | 4.4782% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 1,068 |
| Loan loss allowance to noncurrent loans | 23.7366% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 9.8098% | 133 |
| Noncurrent loans to loans | 9.5903% | 123 |
| Net loans and leases to total assets | 73.0211% | 1,516 |
| Net loans and leases to deposits | 82.1000% | 2,170 |
| Net loans and leases to core deposits | 83.4278% | 2,729 |
| Total domestic deposits to total assets | 88.9416% | 1,669 |
| Equity capital to assets | 10.6166% | 3,026 |
| Core capital (leverage) ratio | 10.9218% | 2,458 |
| Tier 1 risk-based capital ratio | 14.6126% | 3,891 |
| Total risk-based capital ratio | 15.8762% | 3,830 |
| Memoranda: | ||
| Average total assets | $100,025,000 | 4,738 |
| Average earning assets | $95,690,000 | 4,628 |
| Average equity | $12,481,800 | 4,359 |
| Average total loans | $78,731,600 | 3,980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,240 |
| Cost of funding earning assets | 0.4794% | 3,968 |
| Net interest margin | 3.7591% | 2,805 |
| Noninterest income to average assets | 0.3411% | 4,966 |
| Noninterest expense to average assets | 4.5620% | 489 |
| Loan and lease loss provision to assets | 2.1420% | 35 |
| Net operating income to assets | -2.7611% | 6,836 |
| Return on assets (ROA) | -2.7611% | 6,838 |
| Pretax return on assets | -2.7611% | 6,834 |
| Return on Equity (ROE) | -21.3021% | 6,780 |
| Retained earnings to average equity (ytd only) | -21.3021% | 6,766 |
| Net charge-offs to loans | 2.5125% | 121 |
| Credit loss provision to net charge-offs | 106.9035% | 2,193 |
| Earnings coverage of net charge-offs (x) | -0.3090% | 4,930 |
| Efficiency ratio | 115.7016% | 206 |
| Assets per employee ($millions) | 4.0949% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5162% | 914 |
| Loan loss allowance to noncurrent loans | 25.0705% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 9.0044% | 175 |
| Noncurrent loans to loans | 10.0367% | 130 |
| Net loans and leases to total assets | 77.3913% | 823 |
| Net loans and leases to deposits | 87.6192% | 1,414 |
| Net loans and leases to core deposits | 89.0401% | 2,073 |
| Total domestic deposits to total assets | 88.3269% | 1,929 |
| Equity capital to assets | 11.1954% | 2,568 |
| Core capital (leverage) ratio | 11.3453% | 2,166 |
| Tier 1 risk-based capital ratio | 14.7252% | 3,930 |
| Total risk-based capital ratio | 15.9920% | 3,882 |
| Memoranda: | ||
| Average total assets | $99,281,500 | 4,798 |
| Average earning assets | $95,125,500 | 4,687 |
| Average equity | $12,868,500 | 4,335 |
| Average total loans | $79,173,750 | 3,999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 3,182 |
| Cost of funding earning assets | 0.4797% | 4,102 |
| Net interest margin | 3.7616% | 2,713 |
| Noninterest income to average assets | 0.3379% | 4,970 |
| Noninterest expense to average assets | 4.1913% | 702 |
| Loan and lease loss provision to assets | 1.2763% | 126 |
| Net operating income to assets | -1.5226% | 6,814 |
| Return on assets (ROA) | -1.5226% | 6,817 |
| Pretax return on assets | -1.5226% | 6,808 |
| Return on Equity (ROE) | -11.2164% | 6,757 |
| Retained earnings to average equity (ytd only) | -11.2164% | 6,693 |
| Net charge-offs to loans | 1.6005% | 319 |
| Credit loss provision to net charge-offs | 99.8408% | 2,256 |
| Earnings coverage of net charge-offs (x) | -0.1927% | 4,615 |
| Efficiency ratio | 106.2436% | 345 |
| Assets per employee ($millions) | 4.3701% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3372% | 1,200 |
| Loan loss allowance to noncurrent loans | 28.3980% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 8.0437% | 251 |
| Noncurrent loans to loans | 8.2302% | 242 |
| Net loans and leases to total assets | 80.6930% | 471 |
| Net loans and leases to deposits | 92.8540% | 891 |
| Net loans and leases to core deposits | 94.4115% | 1,485 |
| Total domestic deposits to total assets | 86.9032% | 2,883 |
| Equity capital to assets | 12.6819% | 1,477 |
| Core capital (leverage) ratio | 13.1473% | 1,115 |
| Tier 1 risk-based capital ratio | 15.8809% | 3,273 |
| Total risk-based capital ratio | 17.1444% | 3,206 |
| Memoranda: | ||
| Average total assets | $98,251,330 | 4,858 |
| Average earning assets | $94,216,330 | 4,749 |
| Average equity | $13,337,670 | 4,272 |
| Average total loans | $78,474,330 | 4,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,764 |
| Cost of funding earning assets | 0.5011% | 4,079 |
| Net interest margin | 3.3177% | 4,454 |
| Noninterest income to average assets | 0.5066% | 3,732 |
| Noninterest expense to average assets | 4.3945% | 582 |
| Loan and lease loss provision to assets | -0.6507% | 6,973 |
| Net operating income to assets | -0.0741% | 6,419 |
| Return on assets (ROA) | -0.0741% | 6,472 |
| Pretax return on assets | -0.0741% | 6,462 |
| Return on Equity (ROE) | -0.5281% | 6,464 |
| Retained earnings to average equity (ytd only) | -0.5281% | 5,889 |
| Net charge-offs to loans | -2.7774% | 6,961 |
| Credit loss provision to net charge-offs | 29.8677% | 2,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7531% | 220 |
| Assets per employee ($millions) | 4.5948% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9391% | 701 |
| Loan loss allowance to noncurrent loans | 30.2749% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 8.1427% | 304 |
| Noncurrent loans to loans | 9.7081% | 223 |
| Net loans and leases to total assets | 79.1618% | 506 |
| Net loans and leases to deposits | 92.6900% | 748 |
| Net loans and leases to core deposits | 94.8705% | 1,277 |
| Total domestic deposits to total assets | 85.4049% | 3,842 |
| Equity capital to assets | 14.1360% | 984 |
| Core capital (leverage) ratio | 14.0876% | 773 |
| Tier 1 risk-based capital ratio | 17.6846% | 2,491 |
| Total risk-based capital ratio | 18.9581% | 2,444 |
| Memoranda: | ||
| Average total assets | $97,120,500 | 4,924 |
| Average earning assets | $92,595,000 | 4,832 |
| Average equity | $13,633,000 | 4,261 |
| Average total loans | $76,187,500 | 4,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 4,043 |
| Cost of funding earning assets | 0.6462% | 3,944 |
| Net interest margin | 3.6969% | 3,660 |
| Noninterest income to average assets | 0.9983% | 1,538 |
| Noninterest expense to average assets | 4.2257% | 746 |
| Loan and lease loss provision to assets | -0.1612% | 6,959 |
| Net operating income to assets | 0.3799% | 5,181 |
| Return on assets (ROA) | 0.5359% | 4,798 |
| Pretax return on assets | 0.5450% | 5,150 |
| Return on Equity (ROE) | 5.8934% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.8934% | 2,144 |
| Net charge-offs to loans | 1.0944% | 964 |
| Credit loss provision to net charge-offs | -20.1511% | 6,235 |
| Earnings coverage of net charge-offs (x) | 0.2809% | 5,341 |
| Efficiency ratio | 94.9525% | 753 |
| Assets per employee ($millions) | 4.8875% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6358% | 986 |
| Loan loss allowance to noncurrent loans | 56.7504% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 5.4926% | 672 |
| Noncurrent loans to loans | 4.6445% | 905 |
| Net loans and leases to total assets | 73.3872% | 1,276 |
| Net loans and leases to deposits | 85.7194% | 1,548 |
| Net loans and leases to core deposits | 87.9107% | 2,097 |
| Total domestic deposits to total assets | 85.6133% | 3,550 |
| Equity capital to assets | 13.9396% | 1,072 |
| Core capital (leverage) ratio | 14.0985% | 774 |
| Tier 1 risk-based capital ratio | 18.2175% | 2,189 |
| Total risk-based capital ratio | 19.4848% | 2,142 |
| Memoranda: | ||
| Average total assets | $99,272,800 | 4,852 |
| Average earning assets | $92,699,000 | 4,787 |
| Average equity | $9,027,000 | 5,214 |
| Average total loans | $72,552,800 | 4,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3851% | 4,110 |
| Cost of funding earning assets | 0.6885% | 3,870 |
| Net interest margin | 3.6965% | 3,809 |
| Noninterest income to average assets | 1.0637% | 1,335 |
| Noninterest expense to average assets | 3.9536% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5459% | 4,639 |
| Return on assets (ROA) | 0.5459% | 4,902 |
| Pretax return on assets | 0.5579% | 5,281 |
| Return on Equity (ROE) | 6.9058% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.9058% | 2,175 |
| Net charge-offs to loans | 1.4685% | 597 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5239% | 5,056 |
| Efficiency ratio | 87.6335% | 1,235 |
| Assets per employee ($millions) | 5.1940% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9110% | 790 |
| Loan loss allowance to noncurrent loans | 48.3203% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 6.8956% | 528 |
| Noncurrent loans to loans | 6.0243% | 677 |
| Net loans and leases to total assets | 70.9736% | 1,728 |
| Net loans and leases to deposits | 81.5245% | 2,181 |
| Net loans and leases to core deposits | 83.6330% | 2,738 |
| Total domestic deposits to total assets | 87.0579% | 2,628 |
| Equity capital to assets | 12.3483% | 1,999 |
| Core capital (leverage) ratio | 11.6000% | 1,914 |
| Tier 1 risk-based capital ratio | 16.5253% | 2,984 |
| Total risk-based capital ratio | 17.7958% | 2,943 |
| Memoranda: | ||
| Average total assets | $99,653,500 | 4,888 |
| Average earning assets | $92,949,500 | 4,827 |
| Average equity | $7,877,250 | 5,593 |
| Average total loans | $72,271,500 | 4,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 3,869 |
| Cost of funding earning assets | 0.7356% | 3,718 |
| Net interest margin | 3.7402% | 3,638 |
| Noninterest income to average assets | 0.8102% | 2,138 |
| Noninterest expense to average assets | 3.7449% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5361% | 4,651 |
| Return on assets (ROA) | 0.5361% | 4,924 |
| Pretax return on assets | 0.5541% | 5,296 |
| Return on Equity (ROE) | 8.3217% | 3,105 |
| Retained earnings to average equity (ytd only) | 8.3217% | 1,512 |
| Net charge-offs to loans | 1.1339% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6756% | 4,718 |
| Efficiency ratio | 87.1103% | 1,328 |
| Assets per employee ($millions) | 5.7715% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4366% | 518 |
| Loan loss allowance to noncurrent loans | 97.2994% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 4.8399% | 1,001 |
| Noncurrent loans to loans | 3.5320% | 1,622 |
| Net loans and leases to total assets | 67.2394% | 2,418 |
| Net loans and leases to deposits | 72.9147% | 3,466 |
| Net loans and leases to core deposits | 74.6811% | 3,935 |
| Total domestic deposits to total assets | 92.2165% | 197 |
| Equity capital to assets | 7.3821% | 6,828 |
| Core capital (leverage) ratio | 8.0581% | 6,211 |
| Tier 1 risk-based capital ratio | 10.8235% | 6,571 |
| Total risk-based capital ratio | 12.1034% | 6,539 |
| Memoranda: | ||
| Average total assets | $99,976,000 | 4,898 |
| Average earning assets | $93,256,330 | 4,838 |
| Average equity | $6,441,000 | 6,001 |
| Average total loans | $72,315,000 | 4,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 3,699 |
| Cost of funding earning assets | 0.8256% | 3,272 |
| Net interest margin | 3.7282% | 3,701 |
| Noninterest income to average assets | 1.2610% | 895 |
| Noninterest expense to average assets | 3.8604% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8284% | 3,260 |
| Return on assets (ROA) | 0.8284% | 3,487 |
| Pretax return on assets | 0.8651% | 4,171 |
| Return on Equity (ROE) | 13.9351% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.9351% | 571 |
| Net charge-offs to loans | 0.8298% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4133% | 3,616 |
| Efficiency ratio | 81.6926% | 1,974 |
| Assets per employee ($millions) | 5.8653% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6706% | 476 |
| Loan loss allowance to noncurrent loans | 56.6302% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 7.5145% | 540 |
| Noncurrent loans to loans | 6.4817% | 737 |
| Net loans and leases to total assets | 76.7915% | 717 |
| Net loans and leases to deposits | 82.5667% | 1,851 |
| Net loans and leases to core deposits | 85.1772% | 2,387 |
| Total domestic deposits to total assets | 93.0055% | 143 |
| Equity capital to assets | 6.4724% | 7,021 |
| Core capital (leverage) ratio | 6.0933% | 7,028 |
| Tier 1 risk-based capital ratio | 8.2360% | 7,082 |
| Total risk-based capital ratio | 9.5171% | 7,080 |
| Memoranda: | ||
| Average total assets | $98,020,500 | 4,984 |
| Average earning assets | $91,088,500 | 4,932 |
| Average equity | $5,827,000 | 6,194 |
| Average total loans | $72,303,000 | 4,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 3,742 |
| Cost of funding earning assets | 1.2767% | 1,588 |
| Net interest margin | 3.5377% | 4,991 |
| Noninterest income to average assets | -0.4937% | 7,265 |
| Noninterest expense to average assets | 5.0989% | 358 |
| Loan and lease loss provision to assets | 2.1411% | 249 |
| Net operating income to assets | -4.5371% | 7,282 |
| Return on assets (ROA) | -4.5371% | 7,288 |
| Pretax return on assets | -4.5371% | 7,297 |
| Return on Equity (ROE) | -98.4566% | 7,308 |
| Retained earnings to average equity (ytd only) | -98.4566% | 7,308 |
| Net charge-offs to loans | 3.0669% | 306 |
| Credit loss provision to net charge-offs | 93.9779% | 3,833 |
| Earnings coverage of net charge-offs (x) | -1.0516% | 6,200 |
| Efficiency ratio | 188.6395% | 67 |
| Assets per employee ($millions) | 5.6776% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1493% | 344 |
| Loan loss allowance to noncurrent loans | 65.5500% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 8.8643% | 413 |
| Noncurrent loans to loans | 6.3300% | 767 |
| Net loans and leases to total assets | 65.4615% | 2,888 |
| Net loans and leases to deposits | 69.7177% | 4,156 |
| Net loans and leases to core deposits | 73.9837% | 4,244 |
| Total domestic deposits to total assets | 93.8951% | 98 |
| Equity capital to assets | 5.4601% | 7,134 |
| Core capital (leverage) ratio | 5.0615% | 7,140 |
| Tier 1 risk-based capital ratio | 7.7996% | 7,119 |
| Total risk-based capital ratio | 9.0855% | 7,119 |
| Memoranda: | ||
| Average total assets | $107,140,000 | 4,698 |
| Average earning assets | $96,814,600 | 4,718 |
| Average equity | $4,937,200 | 6,463 |
| Average total loans | $79,591,400 | 4,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 4,038 |
| Cost of funding earning assets | 1.3544% | 1,434 |
| Net interest margin | 3.4401% | 5,427 |
| Noninterest income to average assets | -0.1230% | 7,225 |
| Noninterest expense to average assets | 4.1263% | 863 |
| Loan and lease loss provision to assets | 1.5513% | 430 |
| Net operating income to assets | -2.7041% | 7,240 |
| Return on assets (ROA) | -2.7041% | 7,253 |
| Pretax return on assets | -2.7041% | 7,243 |
| Return on Equity (ROE) | -61.3543% | 7,328 |
| Retained earnings to average equity (ytd only) | -61.3543% | 7,325 |
| Net charge-offs to loans | 3.1853% | 282 |
| Credit loss provision to net charge-offs | 64.3367% | 4,659 |
| Earnings coverage of net charge-offs (x) | -0.4781% | 5,826 |
| Efficiency ratio | 138.7671% | 186 |
| Assets per employee ($millions) | 5.9452% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1732% | 744 |
| Loan loss allowance to noncurrent loans | 46.7398% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 9.4006% | 399 |
| Noncurrent loans to loans | 6.7891% | 750 |
| Net loans and leases to total assets | 66.8361% | 2,708 |
| Net loans and leases to deposits | 70.7661% | 4,173 |
| Net loans and leases to core deposits | 77.9851% | 3,915 |
| Total domestic deposits to total assets | 94.4465% | 67 |
| Equity capital to assets | 4.9423% | 7,268 |
| Core capital (leverage) ratio | 5.0384% | 7,238 |
| Tier 1 risk-based capital ratio | 6.9281% | 7,249 |
| Total risk-based capital ratio | 8.2024% | 7,248 |
| Memoranda: | ||
| Average total assets | $108,376,000 | 4,709 |
| Average earning assets | $97,554,000 | 4,729 |
| Average equity | $4,776,500 | 6,565 |
| Average total loans | $82,040,500 | 4,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 4,097 |
| Cost of funding earning assets | 1.4533% | 1,185 |
| Net interest margin | 3.3466% | 5,719 |
| Noninterest income to average assets | 0.1029% | 6,810 |
| Noninterest expense to average assets | 4.8038% | 434 |
| Loan and lease loss provision to assets | 2.3174% | 233 |
| Net operating income to assets | -4.0136% | 7,393 |
| Return on assets (ROA) | -4.0136% | 7,397 |
| Pretax return on assets | -4.0136% | 7,391 |
| Return on Equity (ROE) | -94.8396% | 7,436 |
| Retained earnings to average equity (ytd only) | -94.8396% | 7,434 |
| Net charge-offs to loans | 0.3539% | 3,138 |
| Credit loss provision to net charge-offs | 840.6667% | 390 |
| Earnings coverage of net charge-offs (x) | -6.1533% | 5,803 |
| Efficiency ratio | 154.5831% | 137 |
| Assets per employee ($millions) | 5.0669% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0038% | 188 |
| Loan loss allowance to noncurrent loans | 46.2378% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 13.9031% | 176 |
| Noncurrent loans to loans | 10.8219% | 331 |
| Net loans and leases to total assets | 77.8225% | 802 |
| Net loans and leases to deposits | 81.2652% | 2,561 |
| Net loans and leases to core deposits | 93.6771% | 1,939 |
| Total domestic deposits to total assets | 95.7636% | 33 |
| Equity capital to assets | 3.3956% | 7,419 |
| Core capital (leverage) ratio | 3.1812% | 7,417 |
| Tier 1 risk-based capital ratio | 4.2001% | 7,425 |
| Total risk-based capital ratio | 5.4992% | 7,425 |
| Memoranda: | ||
| Average total assets | $108,830,000 | 4,737 |
| Average earning assets | $97,711,330 | 4,767 |
| Average equity | $4,605,670 | 6,652 |
| Average total loans | $84,764,670 | 4,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 4,642 |
| Cost of funding earning assets | 1.4977% | 1,167 |
| Net interest margin | 3.1738% | 6,157 |
| Noninterest income to average assets | 0.0995% | 6,919 |
| Noninterest expense to average assets | 3.8019% | 1,337 |
| Loan and lease loss provision to assets | 0.6929% | 1,218 |
| Net operating income to assets | -1.5492% | 7,215 |
| Return on assets (ROA) | -1.5492% | 7,216 |
| Pretax return on assets | -1.5492% | 7,178 |
| Return on Equity (ROE) | -33.6160% | 7,348 |
| Retained earnings to average equity (ytd only) | -33.6160% | 7,324 |
| Net charge-offs to loans | 0.9108% | 1,461 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -1.2359% | 4,918 |
| Efficiency ratio | 129.0712% | 266 |
| Assets per employee ($millions) | 5.2955% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6178% | 553 |
| Loan loss allowance to noncurrent loans | 37.1415% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 13.2453% | 203 |
| Noncurrent loans to loans | 9.7406% | 421 |
| Net loans and leases to total assets | 76.5459% | 956 |
| Net loans and leases to deposits | 81.1631% | 2,500 |
| Net loans and leases to core deposits | 100.6618% | 1,283 |
| Total domestic deposits to total assets | 94.3112% | 68 |
| Equity capital to assets | 4.8088% | 7,387 |
| Core capital (leverage) ratio | 4.5052% | 7,394 |
| Tier 1 risk-based capital ratio | 6.1953% | 7,418 |
| Total risk-based capital ratio | 7.4755% | 7,420 |
| Memoranda: | ||
| Average total assets | $112,576,500 | 4,675 |
| Average earning assets | $100,951,500 | 4,709 |
| Average equity | $5,188,000 | 6,489 |
| Average total loans | $85,638,500 | 4,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 4,929 |
| Cost of funding earning assets | 1.7836% | 1,233 |
| Net interest margin | 3.1334% | 6,430 |
| Noninterest income to average assets | -0.8132% | 7,605 |
| Noninterest expense to average assets | 4.9221% | 447 |
| Loan and lease loss provision to assets | 1.5381% | 956 |
| Net operating income to assets | -4.5043% | 7,490 |
| Return on assets (ROA) | -4.5043% | 7,501 |
| Pretax return on assets | -4.5043% | 7,498 |
| Return on Equity (ROE) | -96.6669% | 7,586 |
| Retained earnings to average equity (ytd only) | -96.6669% | 7,586 |
| Net charge-offs to loans | 3.6266% | 385 |
| Credit loss provision to net charge-offs | 56.8345% | 6,142 |
| Earnings coverage of net charge-offs (x) | -1.0960% | 6,627 |
| Efficiency ratio | 251.6462% | 47 |
| Assets per employee ($millions) | 5.9622% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4911% | 600 |
| Loan loss allowance to noncurrent loans | 33.8224% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 14.1139% | 191 |
| Noncurrent loans to loans | 10.3218% | 397 |
| Net loans and leases to total assets | 70.5461% | 2,403 |
| Net loans and leases to deposits | 74.5551% | 4,105 |
| Net loans and leases to core deposits | 92.2229% | 2,478 |
| Total domestic deposits to total assets | 94.6228% | 68 |
| Equity capital to assets | 4.4304% | 7,484 |
| Core capital (leverage) ratio | 4.4003% | 7,469 |
| Tier 1 risk-based capital ratio | 5.9446% | 7,483 |
| Total risk-based capital ratio | 7.2210% | 7,483 |
| Memoranda: | ||
| Average total assets | $133,540,400 | 4,190 |
| Average earning assets | $118,017,000 | 4,275 |
| Average equity | $6,222,400 | 6,302 |
| Average total loans | $99,653,600 | 3,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 4,308 |
| Cost of funding earning assets | 1.8518% | 1,207 |
| Net interest margin | 3.2489% | 6,176 |
| Noninterest income to average assets | -1.6142% | 7,749 |
| Noninterest expense to average assets | 3.9071% | 1,191 |
| Loan and lease loss provision to assets | 1.7367% | 723 |
| Net operating income to assets | -4.3952% | 7,601 |
| Return on assets (ROA) | -4.3952% | 7,612 |
| Pretax return on assets | -4.3952% | 7,597 |
| Return on Equity (ROE) | -93.3295% | 7,683 |
| Retained earnings to average equity (ytd only) | -93.3295% | 7,683 |
| Net charge-offs to loans | 0.9704% | 2,055 |
| Credit loss provision to net charge-offs | 238.7701% | 1,413 |
| Earnings coverage of net charge-offs (x) | -3.6551% | 6,573 |
| Efficiency ratio | 312.9283% | 24 |
| Assets per employee ($millions) | 4.9475% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0581% | 108 |
| Loan loss allowance to noncurrent loans | 62.6360% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 13.0240% | 227 |
| Noncurrent loans to loans | 9.6719% | 456 |
| Net loans and leases to total assets | 70.7221% | 2,557 |
| Net loans and leases to deposits | 74.2545% | 4,463 |
| Net loans and leases to core deposits | 92.8096% | 2,684 |
| Total domestic deposits to total assets | 95.2428% | 38 |
| Equity capital to assets | 4.0691% | 7,638 |
| Core capital (leverage) ratio | 3.8917% | 7,629 |
| Tier 1 risk-based capital ratio | 5.2157% | 7,630 |
| Total risk-based capital ratio | 6.5233% | 7,631 |
| Memoranda: | ||
| Average total assets | $137,114,500 | 4,162 |
| Average earning assets | $120,816,250 | 4,267 |
| Average equity | $6,457,250 | 6,298 |
| Average total loans | $102,775,750 | 3,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 4,250 |
| Cost of funding earning assets | 1.9487% | 1,049 |
| Net interest margin | 3.1912% | 6,343 |
| Noninterest income to average assets | 0.1624% | 6,732 |
| Noninterest expense to average assets | 5.7207% | 243 |
| Loan and lease loss provision to assets | 2.5228% | 447 |
| Net operating income to assets | -5.2659% | 7,705 |
| Return on assets (ROA) | -5.2659% | 7,709 |
| Pretax return on assets | -5.2659% | 7,692 |
| Return on Equity (ROE) | -107.5591% | 7,745 |
| Retained earnings to average equity (ytd only) | -107.5591% | 7,744 |
| Net charge-offs to loans | 1.1227% | 1,688 |
| Credit loss provision to net charge-offs | 300.1681% | 1,218 |
| Earnings coverage of net charge-offs (x) | -3.2639% | 6,265 |
| Efficiency ratio | 192.1252% | 112 |
| Assets per employee ($millions) | 5.2772% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9173% | 108 |
| Loan loss allowance to noncurrent loans | 53.0101% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 13.8406% | 185 |
| Noncurrent loans to loans | 11.1625% | 352 |
| Net loans and leases to total assets | 69.8267% | 2,943 |
| Net loans and leases to deposits | 73.3983% | 4,771 |
| Net loans and leases to core deposits | 95.0878% | 2,576 |
| Total domestic deposits to total assets | 95.1338% | 45 |
| Equity capital to assets | 4.2568% | 7,677 |
| Core capital (leverage) ratio | 3.8422% | 7,691 |
| Tier 1 risk-based capital ratio | 5.6046% | 7,674 |
| Total risk-based capital ratio | 6.9107% | 7,675 |
| Memoranda: | ||
| Average total assets | $141,590,330 | 4,110 |
| Average earning assets | $124,904,330 | 4,212 |
| Average equity | $6,932,000 | 6,166 |
| Average total loans | $105,996,000 | 3,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 5,049 |
| Cost of funding earning assets | 2.1959% | 601 |
| Net interest margin | 2.7962% | 7,180 |
| Noninterest income to average assets | 0.1584% | 6,835 |
| Noninterest expense to average assets | 3.4613% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.8469% | 7,034 |
| Return on assets (ROA) | -0.8469% | 7,061 |
| Pretax return on assets | -0.8469% | 6,976 |
| Return on Equity (ROE) | -16.3373% | 7,349 |
| Retained earnings to average equity (ytd only) | -16.3373% | 7,257 |
| Net charge-offs to loans | 1.6686% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.6754% | 5,337 |
| Efficiency ratio | 132.3929% | 316 |
| Assets per employee ($millions) | 5.5090% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9095% | 408 |
| Loan loss allowance to noncurrent loans | 29.5346% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 16.0931% | 114 |
| Noncurrent loans to loans | 13.2369% | 237 |
| Net loans and leases to total assets | 71.1104% | 2,672 |
| Net loans and leases to deposits | 75.6926% | 4,463 |
| Net loans and leases to core deposits | 102.3473% | 1,865 |
| Total domestic deposits to total assets | 93.9463% | 73 |
| Equity capital to assets | 5.2257% | 7,702 |
| Core capital (leverage) ratio | 4.5680% | 7,738 |
| Tier 1 risk-based capital ratio | 6.5348% | 7,727 |
| Total risk-based capital ratio | 7.8138% | 7,728 |
| Memoranda: | ||
| Average total assets | $146,420,000 | 4,082 |
| Average earning assets | $128,601,500 | 4,179 |
| Average equity | $7,590,000 | 5,980 |
| Average total loans | $110,035,500 | 3,681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 6,171 |
| Cost of funding earning assets | 2.5717% | 847 |
| Net interest margin | 2.5054% | 7,423 |
| Noninterest income to average assets | 0.1986% | 6,676 |
| Noninterest expense to average assets | 3.4849% | 2,409 |
| Loan and lease loss provision to assets | 5.0290% | 189 |
| Net operating income to assets | -6.0171% | 7,838 |
| Return on assets (ROA) | -6.0171% | 7,829 |
| Pretax return on assets | -6.0171% | 7,806 |
| Return on Equity (ROE) | -86.9585% | 7,892 |
| Retained earnings to average equity (ytd only) | -88.7972% | 7,893 |
| Net charge-offs to loans | 4.4324% | 335 |
| Credit loss provision to net charge-offs | 146.8467% | 3,213 |
| Earnings coverage of net charge-offs (x) | -0.2885% | 6,535 |
| Efficiency ratio | 139.5725% | 386 |
| Assets per employee ($millions) | 5.9842% | 1,256 |
| Cash dividends to net income (ytd only)* | -2.1145% | 7,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0352% | 355 |
| Loan loss allowance to noncurrent loans | 29.0612% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 14.1245% | 168 |
| Noncurrent loans to loans | 13.8851% | 210 |
| Net loans and leases to total assets | 73.1720% | 2,462 |
| Net loans and leases to deposits | 78.0934% | 4,349 |
| Net loans and leases to core deposits | 174.7645% | 201 |
| Total domestic deposits to total assets | 93.6981% | 89 |
| Equity capital to assets | 5.1435% | 7,777 |
| Core capital (leverage) ratio | 4.8898% | 7,777 |
| Tier 1 risk-based capital ratio | 6.3214% | 7,801 |
| Total risk-based capital ratio | 7.6023% | 7,803 |
| Memoranda: | ||
| Average total assets | $161,125,400 | 3,750 |
| Average earning assets | $147,798,200 | 3,749 |
| Average equity | $11,149,000 | 4,981 |
| Average total loans | $124,493,200 | 3,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 6,387 |
| Cost of funding earning assets | 2.6246% | 973 |
| Net interest margin | 2.4432% | 7,521 |
| Noninterest income to average assets | 0.2041% | 6,760 |
| Noninterest expense to average assets | 3.5063% | 2,266 |
| Loan and lease loss provision to assets | 4.6469% | 205 |
| Net operating income to assets | -5.6932% | 7,906 |
| Return on assets (ROA) | -5.6932% | 7,904 |
| Pretax return on assets | -5.6932% | 7,886 |
| Return on Equity (ROE) | -77.7282% | 7,956 |
| Retained earnings to average equity (ytd only) | -80.0036% | 7,959 |
| Net charge-offs to loans | 4.0304% | 347 |
| Credit loss provision to net charge-offs | 148.7767% | 3,243 |
| Earnings coverage of net charge-offs (x) | -0.3350% | 6,379 |
| Efficiency ratio | 142.5314% | 357 |
| Assets per employee ($millions) | 5.9786% | 1,229 |
| Cash dividends to net income (ytd only)* | -2.9274% | 7,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2492% | 531 |
| Loan loss allowance to noncurrent loans | 34.7904% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 9.4349% | 388 |
| Noncurrent loans to loans | 9.3393% | 456 |
| Net loans and leases to total assets | 74.5555% | 2,360 |
| Net loans and leases to deposits | 80.1483% | 4,355 |
| Net loans and leases to core deposits | 183.3328% | 167 |
| Total domestic deposits to total assets | 93.0219% | 84 |
| Equity capital to assets | 6.0240% | 7,857 |
| Core capital (leverage) ratio | 5.6755% | 7,850 |
| Tier 1 risk-based capital ratio | 7.3160% | 7,866 |
| Total risk-based capital ratio | 8.5885% | 7,866 |
| Memoranda: | ||
| Average total assets | $164,005,500 | 3,722 |
| Average earning assets | $151,437,750 | 3,699 |
| Average equity | $12,012,500 | 4,787 |
| Average total loans | $127,098,500 | 3,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 7,021 |
| Cost of funding earning assets | 2.6815% | 1,072 |
| Net interest margin | 2.2234% | 7,737 |
| Noninterest income to average assets | 0.2110% | 6,792 |
| Noninterest expense to average assets | 3.8176% | 1,624 |
| Loan and lease loss provision to assets | 5.2427% | 182 |
| Net operating income to assets | -6.7782% | 8,038 |
| Return on assets (ROA) | -6.7782% | 8,032 |
| Pretax return on assets | -6.7782% | 8,011 |
| Return on Equity (ROE) | -87.7062% | 8,057 |
| Retained earnings to average equity (ytd only) | -90.8856% | 8,061 |
| Net charge-offs to loans | 4.4003% | 299 |
| Credit loss provision to net charge-offs | 153.4737% | 2,999 |
| Earnings coverage of net charge-offs (x) | -0.4495% | 6,047 |
| Efficiency ratio | 167.2794% | 297 |
| Assets per employee ($millions) | 6.3857% | 1,012 |
| Cash dividends to net income (ytd only)* | -3.6251% | 7,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8617% | 641 |
| Loan loss allowance to noncurrent loans | 32.2528% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 8.4516% | 425 |
| Noncurrent loans to loans | 8.8728% | 451 |
| Net loans and leases to total assets | 72.4159% | 3,112 |
| Net loans and leases to deposits | 78.2203% | 4,831 |
| Net loans and leases to core deposits | 170.6940% | 315 |
| Total domestic deposits to total assets | 92.5795% | 136 |
| Equity capital to assets | 6.4435% | 7,831 |
| Core capital (leverage) ratio | 5.8631% | 7,949 |
| Tier 1 risk-based capital ratio | 7.8290% | 7,930 |
| Total risk-based capital ratio | 9.0944% | 7,945 |
| Memoranda: | ||
| Average total assets | $166,859,330 | 3,691 |
| Average earning assets | $155,436,000 | 3,643 |
| Average equity | $12,895,330 | 4,572 |
| Average total loans | $129,536,670 | 3,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 7,682 |
| Cost of funding earning assets | 2.6049% | 1,549 |
| Net interest margin | 1.9293% | 7,927 |
| Noninterest income to average assets | 0.1937% | 6,910 |
| Noninterest expense to average assets | 3.5582% | 1,957 |
| Loan and lease loss provision to assets | 10.2250% | 41 |
| Net operating income to assets | -11.7937% | 8,184 |
| Return on assets (ROA) | -11.7937% | 8,176 |
| Pretax return on assets | -11.7937% | 8,172 |
| Return on Equity (ROE) | -140.9747% | 8,177 |
| Retained earnings to average equity (ytd only) | -146.8344% | 8,177 |
| Net charge-offs to loans | 2.5374% | 546 |
| Credit loss provision to net charge-offs | 509.0476% | 1,060 |
| Earnings coverage of net charge-offs (x) | -0.7810% | 5,320 |
| Efficiency ratio | 178.8462% | 245 |
| Assets per employee ($millions) | 6.0196% | 1,188 |
| Cash dividends to net income (ytd only)* | -4.1565% | 8,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1955% | 187 |
| Loan loss allowance to noncurrent loans | 47.9557% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 9.1262% | 272 |
| Noncurrent loans to loans | 8.7488% | 379 |
| Net loans and leases to total assets | 68.9638% | 3,927 |
| Net loans and leases to deposits | 74.2150% | 5,454 |
| Net loans and leases to core deposits | 157.4993% | 537 |
| Total domestic deposits to total assets | 92.9243% | 93 |
| Equity capital to assets | 6.3315% | 7,925 |
| Core capital (leverage) ratio | 6.6224% | 7,828 |
| Tier 1 risk-based capital ratio | 7.8797% | 8,025 |
| Total risk-based capital ratio | 9.1611% | 8,042 |
| Memoranda: | ||
| Average total assets | $167,275,500 | 3,704 |
| Average earning assets | $155,707,000 | 3,653 |
| Average equity | $13,994,000 | 4,336 |
| Average total loans | $132,419,000 | 3,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0893% | 932 |
| Cost of funding earning assets | 3.1032% | 1,494 |
| Net interest margin | 3.9862% | 3,184 |
| Noninterest income to average assets | 0.2374% | 6,744 |
| Noninterest expense to average assets | 3.6351% | 2,067 |
| Loan and lease loss provision to assets | 0.2153% | 4,737 |
| Net operating income to assets | 0.1244% | 6,042 |
| Return on assets (ROA) | 0.1244% | 5,890 |
| Pretax return on assets | 0.1244% | 5,896 |
| Return on Equity (ROE) | 1.2809% | 5,835 |
| Retained earnings to average equity (ytd only) | -0.2892% | 5,373 |
| Net charge-offs to loans | -0.1495% | 8,136 |
| Credit loss provision to net charge-offs | -160.1990% | 7,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4536% | 1,414 |
| Assets per employee ($millions) | 4.6655% | 2,375 |
| Cash dividends to net income (ytd only)* | 122.5806% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 2,714 |
| Loan loss allowance to noncurrent loans | 24.0783% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 5.9742% | 503 |
| Noncurrent loans to loans | 6.2154% | 542 |
| Net loans and leases to total assets | 86.2713% | 575 |
| Net loans and leases to deposits | 99.3344% | 1,935 |
| Net loans and leases to core deposits | 167.7910% | 445 |
| Total domestic deposits to total assets | 86.8494% | 2,004 |
| Equity capital to assets | 10.7520% | 3,247 |
| Core capital (leverage) ratio | 10.5292% | 2,953 |
| Tier 1 risk-based capital ratio | 11.6232% | 5,133 |
| Total risk-based capital ratio | 12.8758% | 5,023 |
| Memoranda: | ||
| Average total assets | $149,543,000 | 3,906 |
| Average earning assets | $140,210,400 | 3,844 |
| Average equity | $14,521,400 | 4,233 |
| Average total loans | $134,471,800 | 3,187 |