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Select Bank, Performance and Condition Ratios
| 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 | 6.6069% | 124 |
| Cost of funding earning assets | 0.9419% | 1,897 |
| Net interest margin | 5.6649% | 149 |
| Noninterest income to average assets | -0.5844% | 7,141 |
| Noninterest expense to average assets | 3.4654% | 1,844 |
| Loan and lease loss provision to assets | 0.2330% | 2,712 |
| Net operating income to assets | 0.6795% | 4,011 |
| Return on assets (ROA) | 0.6795% | 4,272 |
| Pretax return on assets | 0.6795% | 4,921 |
| Return on Equity (ROE) | 5.5841% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.5841% | 2,974 |
| Net charge-offs to loans | 0.7273% | 1,519 |
| Credit loss provision to net charge-offs | 40.1338% | 4,615 |
| Earnings coverage of net charge-offs (x) | 1.5719% | 4,496 |
| Efficiency ratio | 79.1574% | 2,216 |
| Assets per employee ($millions) | 6.4891% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2415% | 1,625 |
| Loan loss allowance to noncurrent loans | 72.1951% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 9.1384% | 297 |
| Noncurrent loans to loans | 3.1047% | 1,794 |
| Net loans and leases to total assets | 77.3672% | 812 |
| Net loans and leases to deposits | 91.1427% | 1,036 |
| Net loans and leases to core deposits | 93.0344% | 1,683 |
| Total domestic deposits to total assets | 84.8858% | 3,797 |
| Equity capital to assets | 14.8899% | 849 |
| Core capital (leverage) ratio | 13.9067% | 864 |
| Tier 1 risk-based capital ratio | 18.2181% | 2,260 |
| Total risk-based capital ratio | 19.4798% | 2,234 |
| Memoranda: | ||
| Average total assets | $68,677,250 | 5,719 |
| Average earning assets | $60,158,000 | 5,800 |
| Average equity | $8,357,000 | 5,457 |
| Average total loans | $54,814,500 | 4,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4785% | 152 |
| Cost of funding earning assets | 1.0261% | 1,603 |
| Net interest margin | 5.4524% | 188 |
| Noninterest income to average assets | -0.3218% | 7,161 |
| Noninterest expense to average assets | 3.5061% | 1,770 |
| Loan and lease loss provision to assets | 0.3329% | 1,975 |
| Net operating income to assets | 0.6297% | 4,228 |
| Return on assets (ROA) | 0.6297% | 4,473 |
| Pretax return on assets | 0.6297% | 5,029 |
| Return on Equity (ROE) | 5.5070% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.5070% | 2,983 |
| Net charge-offs to loans | 0.7386% | 1,499 |
| Credit loss provision to net charge-offs | 56.3380% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.6291% | 4,180 |
| Efficiency ratio | 78.4606% | 2,402 |
| Assets per employee ($millions) | 7.3466% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 2,061 |
| Loan loss allowance to noncurrent loans | 68.8575% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 9.1169% | 328 |
| Noncurrent loans to loans | 3.0040% | 1,973 |
| Net loans and leases to total assets | 80.2689% | 478 |
| Net loans and leases to deposits | 92.6133% | 878 |
| Net loans and leases to core deposits | 93.8498% | 1,619 |
| Total domestic deposits to total assets | 86.6710% | 2,971 |
| Equity capital to assets | 12.9887% | 1,529 |
| Core capital (leverage) ratio | 12.2077% | 1,497 |
| Tier 1 risk-based capital ratio | 15.1218% | 3,688 |
| Total risk-based capital ratio | 16.3805% | 3,650 |
| Memoranda: | ||
| Average total assets | $72,102,330 | 5,665 |
| Average earning assets | $63,348,330 | 5,726 |
| Average equity | $8,244,000 | 5,503 |
| Average total loans | $57,679,330 | 4,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4233% | 177 |
| Cost of funding earning assets | 1.1360% | 1,234 |
| Net interest margin | 5.2873% | 255 |
| Noninterest income to average assets | -0.0692% | 7,152 |
| Noninterest expense to average assets | 3.2439% | 2,462 |
| Loan and lease loss provision to assets | 0.6392% | 868 |
| Net operating income to assets | 0.7084% | 3,844 |
| Return on assets (ROA) | 0.7084% | 4,063 |
| Pretax return on assets | 0.7084% | 4,762 |
| Return on Equity (ROE) | 6.5907% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.5907% | 2,638 |
| Net charge-offs to loans | 0.5385% | 1,738 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 3.1625% | 2,935 |
| Efficiency ratio | 70.6497% | 3,691 |
| Assets per employee ($millions) | 9.3468% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 1,996 |
| Loan loss allowance to noncurrent loans | 72.2094% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 8.8935% | 396 |
| Noncurrent loans to loans | 2.9726% | 2,167 |
| Net loans and leases to total assets | 76.5146% | 747 |
| Net loans and leases to deposits | 86.5199% | 1,355 |
| Net loans and leases to core deposits | 96.2097% | 1,287 |
| Total domestic deposits to total assets | 88.4358% | 2,048 |
| Equity capital to assets | 11.3743% | 2,553 |
| Core capital (leverage) ratio | 11.2327% | 2,087 |
| Tier 1 risk-based capital ratio | 13.8963% | 4,532 |
| Total risk-based capital ratio | 15.1565% | 4,510 |
| Memoranda: | ||
| Average total assets | $75,094,000 | 5,616 |
| Average earning assets | $66,196,500 | 5,680 |
| Average equity | $8,072,000 | 5,571 |
| Average total loans | $59,422,000 | 4,841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4557% | 191 |
| Cost of funding earning assets | 1.5965% | 486 |
| Net interest margin | 4.8592% | 559 |
| Noninterest income to average assets | -0.1891% | 7,154 |
| Noninterest expense to average assets | 3.0839% | 3,254 |
| Loan and lease loss provision to assets | 0.4508% | 2,349 |
| Net operating income to assets | 0.5634% | 4,175 |
| Return on assets (ROA) | 0.5634% | 4,364 |
| Pretax return on assets | 0.5634% | 4,802 |
| Return on Equity (ROE) | 6.0744% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.0744% | 1,974 |
| Net charge-offs to loans | 2.1551% | 605 |
| Credit loss provision to net charge-offs | 26.5096% | 5,837 |
| Earnings coverage of net charge-offs (x) | 0.5965% | 5,378 |
| Efficiency ratio | 75.2521% | 3,017 |
| Assets per employee ($millions) | 8.3793% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 2,242 |
| Loan loss allowance to noncurrent loans | 52.0583% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 9.4187% | 367 |
| Noncurrent loans to loans | 3.8625% | 1,627 |
| Net loans and leases to total assets | 78.4496% | 660 |
| Net loans and leases to deposits | 87.5657% | 1,444 |
| Net loans and leases to core deposits | 97.1382% | 1,401 |
| Total domestic deposits to total assets | 89.5895% | 1,209 |
| Equity capital to assets | 10.1294% | 3,996 |
| Core capital (leverage) ratio | 9.7290% | 3,706 |
| Tier 1 risk-based capital ratio | 12.0398% | 5,808 |
| Total risk-based capital ratio | 13.2988% | 5,784 |
| Memoranda: | ||
| Average total assets | $79,866,600 | 5,461 |
| Average earning assets | $70,464,600 | 5,520 |
| Average equity | $7,408,200 | 5,750 |
| Average total loans | $63,012,800 | 4,750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4103% | 223 |
| Cost of funding earning assets | 1.7132% | 379 |
| Net interest margin | 4.6972% | 768 |
| Noninterest income to average assets | -0.1202% | 7,223 |
| Noninterest expense to average assets | 3.0097% | 3,526 |
| Loan and lease loss provision to assets | 0.4198% | 2,369 |
| Net operating income to assets | 0.5944% | 4,106 |
| Return on assets (ROA) | 0.5944% | 4,293 |
| Pretax return on assets | 0.5944% | 4,826 |
| Return on Equity (ROE) | 6.5481% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.5481% | 2,217 |
| Net charge-offs to loans | 1.9872% | 642 |
| Credit loss provision to net charge-offs | 26.8704% | 5,462 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,138 |
| Efficiency ratio | 74.7954% | 3,038 |
| Assets per employee ($millions) | 7.9016% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4513% | 1,465 |
| Loan loss allowance to noncurrent loans | 59.1972% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 9.6234% | 385 |
| Noncurrent loans to loans | 4.1410% | 1,591 |
| Net loans and leases to total assets | 76.4997% | 911 |
| Net loans and leases to deposits | 88.5541% | 1,368 |
| Net loans and leases to core deposits | 97.7316% | 1,441 |
| Total domestic deposits to total assets | 86.3876% | 2,993 |
| Equity capital to assets | 9.5778% | 4,964 |
| Core capital (leverage) ratio | 9.3921% | 4,318 |
| Tier 1 risk-based capital ratio | 11.6376% | 6,147 |
| Total risk-based capital ratio | 12.9016% | 6,133 |
| Memoranda: | ||
| Average total assets | $80,979,750 | 5,477 |
| Average earning assets | $71,445,250 | 5,531 |
| Average equity | $7,350,500 | 5,800 |
| Average total loans | $63,672,000 | 4,769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4183% | 235 |
| Cost of funding earning assets | 1.8869% | 221 |
| Net interest margin | 4.5314% | 1,054 |
| Noninterest income to average assets | -0.0955% | 7,284 |
| Noninterest expense to average assets | 3.0134% | 3,586 |
| Loan and lease loss provision to assets | 0.4410% | 2,232 |
| Net operating income to assets | 0.4508% | 4,716 |
| Return on assets (ROA) | 0.4508% | 4,855 |
| Pretax return on assets | 0.4508% | 5,227 |
| Return on Equity (ROE) | 5.0563% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.0563% | 2,970 |
| Net charge-offs to loans | 2.5809% | 442 |
| Credit loss provision to net charge-offs | 21.7129% | 5,113 |
| Earnings coverage of net charge-offs (x) | 0.4391% | 4,974 |
| Efficiency ratio | 77.1644% | 2,831 |
| Assets per employee ($millions) | 8.1160% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4948% | 1,456 |
| Loan loss allowance to noncurrent loans | 72.5417% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 8.6237% | 499 |
| Noncurrent loans to loans | 3.4391% | 2,056 |
| Net loans and leases to total assets | 75.3167% | 1,185 |
| Net loans and leases to deposits | 86.7825% | 1,680 |
| Net loans and leases to core deposits | 105.5770% | 953 |
| Total domestic deposits to total assets | 86.7878% | 2,863 |
| Equity capital to assets | 9.1153% | 5,407 |
| Core capital (leverage) ratio | 8.9121% | 4,860 |
| Tier 1 risk-based capital ratio | 11.3605% | 6,279 |
| Total risk-based capital ratio | 12.6245% | 6,254 |
| Memoranda: | ||
| Average total assets | $81,634,330 | 5,494 |
| Average earning assets | $72,074,670 | 5,554 |
| Average equity | $7,278,000 | 5,845 |
| Average total loans | $64,240,670 | 4,783 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4477% | 232 |
| Cost of funding earning assets | 2.1177% | 113 |
| Net interest margin | 4.3299% | 1,468 |
| Noninterest income to average assets | -0.0928% | 7,383 |
| Noninterest expense to average assets | 3.0438% | 3,471 |
| Loan and lease loss provision to assets | 0.5863% | 1,473 |
| Net operating income to assets | 0.0831% | 6,137 |
| Return on assets (ROA) | 0.0831% | 6,192 |
| Pretax return on assets | 0.0831% | 6,211 |
| Return on Equity (ROE) | 0.9421% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.9421% | 5,455 |
| Net charge-offs to loans | 1.7657% | 742 |
| Credit loss provision to net charge-offs | 41.8118% | 3,910 |
| Earnings coverage of net charge-offs (x) | 0.4774% | 4,266 |
| Efficiency ratio | 81.9737% | 2,231 |
| Assets per employee ($millions) | 8.1444% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1800% | 779 |
| Loan loss allowance to noncurrent loans | 69.4737% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 10.5692% | 366 |
| Noncurrent loans to loans | 4.5772% | 1,517 |
| Net loans and leases to total assets | 76.4869% | 962 |
| Net loans and leases to deposits | 87.7071% | 1,495 |
| Net loans and leases to core deposits | 117.8851% | 477 |
| Total domestic deposits to total assets | 87.2072% | 2,825 |
| Equity capital to assets | 8.8687% | 5,395 |
| Core capital (leverage) ratio | 8.6789% | 5,122 |
| Tier 1 risk-based capital ratio | 10.6875% | 6,694 |
| Total risk-based capital ratio | 11.9598% | 6,673 |
| Memoranda: | ||
| Average total assets | $81,871,500 | 5,528 |
| Average earning assets | $71,964,000 | 5,605 |
| Average equity | $7,218,000 | 5,865 |
| Average total loans | $65,015,500 | 4,804 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5625% | 296 |
| Cost of funding earning assets | 3.1583% | 18 |
| Net interest margin | 3.4042% | 5,618 |
| Noninterest income to average assets | -0.2789% | 7,503 |
| Noninterest expense to average assets | 3.4017% | 2,436 |
| Loan and lease loss provision to assets | 1.7732% | 786 |
| Net operating income to assets | -2.4182% | 7,162 |
| Return on assets (ROA) | -2.4182% | 7,174 |
| Pretax return on assets | -2.4182% | 7,139 |
| Return on Equity (ROE) | -28.4938% | 7,198 |
| Retained earnings to average equity (ytd only) | -28.4938% | 7,186 |
| Net charge-offs to loans | 2.0028% | 1,006 |
| Credit loss provision to net charge-offs | 106.7726% | 4,173 |
| Earnings coverage of net charge-offs (x) | -0.3884% | 6,404 |
| Efficiency ratio | 123.3972% | 375 |
| Assets per employee ($millions) | 8.2299% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3688% | 646 |
| Loan loss allowance to noncurrent loans | 58.1145% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 11.2079% | 331 |
| Noncurrent loans to loans | 5.7968% | 1,096 |
| Net loans and leases to total assets | 77.1309% | 1,067 |
| Net loans and leases to deposits | 88.3357% | 1,745 |
| Net loans and leases to core deposits | 142.8205% | 206 |
| Total domestic deposits to total assets | 87.3158% | 2,656 |
| Equity capital to assets | 8.7644% | 5,491 |
| Core capital (leverage) ratio | 8.7227% | 4,977 |
| Tier 1 risk-based capital ratio | 10.5421% | 6,672 |
| Total risk-based capital ratio | 11.8165% | 6,631 |
| Memoranda: | ||
| Average total assets | $87,132,600 | 5,373 |
| Average earning assets | $77,698,800 | 5,424 |
| Average equity | $7,394,600 | 5,911 |
| Average total loans | $72,249,400 | 4,600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6139% | 280 |
| Cost of funding earning assets | 3.3694% | 14 |
| Net interest margin | 3.2445% | 6,192 |
| Noninterest income to average assets | -0.3049% | 7,633 |
| Noninterest expense to average assets | 3.2766% | 2,650 |
| Loan and lease loss provision to assets | 2.3318% | 472 |
| Net operating income to assets | -3.0110% | 7,451 |
| Return on assets (ROA) | -3.0110% | 7,461 |
| Pretax return on assets | -3.0110% | 7,420 |
| Return on Equity (ROE) | -35.7517% | 7,456 |
| Retained earnings to average equity (ytd only) | -35.7517% | 7,453 |
| Net charge-offs to loans | 2.3927% | 722 |
| Credit loss provision to net charge-offs | 116.5158% | 3,573 |
| Earnings coverage of net charge-offs (x) | -0.3394% | 6,263 |
| Efficiency ratio | 126.1476% | 329 |
| Assets per employee ($millions) | 8.3126% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4575% | 555 |
| Loan loss allowance to noncurrent loans | 54.7351% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 11.6919% | 292 |
| Noncurrent loans to loans | 6.3167% | 959 |
| Net loans and leases to total assets | 78.4351% | 965 |
| Net loans and leases to deposits | 89.8344% | 1,749 |
| Net loans and leases to core deposits | 174.8833% | 114 |
| Total domestic deposits to total assets | 87.3108% | 2,365 |
| Equity capital to assets | 8.8492% | 5,780 |
| Core capital (leverage) ratio | 8.6007% | 5,347 |
| Tier 1 risk-based capital ratio | 10.4848% | 6,787 |
| Total risk-based capital ratio | 11.7631% | 6,757 |
| Memoranda: | ||
| Average total assets | $88,341,000 | 5,402 |
| Average earning assets | $79,023,000 | 5,432 |
| Average equity | $7,440,000 | 5,970 |
| Average total loans | $73,889,000 | 4,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5333% | 322 |
| Cost of funding earning assets | 3.4928% | 11 |
| Net interest margin | 3.0405% | 6,744 |
| Noninterest income to average assets | -0.4840% | 7,746 |
| Noninterest expense to average assets | 3.1395% | 3,147 |
| Loan and lease loss provision to assets | 3.3415% | 273 |
| Net operating income to assets | -4.2340% | 7,646 |
| Return on assets (ROA) | -4.2340% | 7,648 |
| Pretax return on assets | -4.2340% | 7,629 |
| Return on Equity (ROE) | -51.0712% | 7,613 |
| Retained earnings to average equity (ytd only) | -51.0712% | 7,609 |
| Net charge-offs to loans | 3.6207% | 397 |
| Credit loss provision to net charge-offs | 109.3750% | 3,731 |
| Earnings coverage of net charge-offs (x) | -0.2922% | 5,925 |
| Efficiency ratio | 139.7233% | 254 |
| Assets per employee ($millions) | 9.3897% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1755% | 716 |
| Loan loss allowance to noncurrent loans | 43.4715% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 11.3920% | 300 |
| Noncurrent loans to loans | 7.3049% | 744 |
| Net loans and leases to total assets | 80.9649% | 675 |
| Net loans and leases to deposits | 92.7692% | 1,427 |
| Net loans and leases to core deposits | 266.7173% | 56 |
| Total domestic deposits to total assets | 87.2756% | 2,394 |
| Equity capital to assets | 8.8099% | 5,734 |
| Core capital (leverage) ratio | 8.3389% | 5,692 |
| Tier 1 risk-based capital ratio | 10.2288% | 6,896 |
| Total risk-based capital ratio | 11.5015% | 6,856 |
| Memoranda: | ||
| Average total assets | $90,079,330 | 5,387 |
| Average earning assets | $80,908,670 | 5,405 |
| Average equity | $7,468,000 | 5,979 |
| Average total loans | $76,007,000 | 4,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 440 |
| Cost of funding earning assets | 3.4848% | 15 |
| Net interest margin | 2.9104% | 7,004 |
| Noninterest income to average assets | -0.6892% | 7,877 |
| Noninterest expense to average assets | 3.1185% | 3,190 |
| Loan and lease loss provision to assets | 6.3317% | 103 |
| Net operating income to assets | -7.5206% | 7,855 |
| Return on assets (ROA) | -7.5206% | 7,856 |
| Pretax return on assets | -7.5206% | 7,846 |
| Return on Equity (ROE) | -93.3752% | 7,816 |
| Retained earnings to average equity (ytd only) | -93.3752% | 7,813 |
| Net charge-offs to loans | 6.2279% | 170 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | -0.2253% | 5,173 |
| Efficiency ratio | 161.6071% | 172 |
| Assets per employee ($millions) | 9.8372% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1343% | 735 |
| Loan loss allowance to noncurrent loans | 38.8990% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 11.8586% | 273 |
| Noncurrent loans to loans | 8.0575% | 666 |
| Net loans and leases to total assets | 82.3810% | 545 |
| Net loans and leases to deposits | 92.6654% | 1,514 |
| Net loans and leases to core deposits | 315.7129% | 52 |
| Total domestic deposits to total assets | 88.9016% | 1,567 |
| Equity capital to assets | 7.4400% | 7,115 |
| Core capital (leverage) ratio | 6.8777% | 7,312 |
| Tier 1 risk-based capital ratio | 8.5003% | 7,561 |
| Total risk-based capital ratio | 9.7730% | 7,576 |
| Memoranda: | ||
| Average total assets | $92,865,500 | 5,356 |
| Average earning assets | $83,562,000 | 5,376 |
| Average equity | $7,479,500 | 6,022 |
| Average total loans | $78,678,000 | 4,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 3,058 |
| Cost of funding earning assets | 3.4788% | 47 |
| Net interest margin | 2.2297% | 7,631 |
| Noninterest income to average assets | -0.2084% | 7,861 |
| Noninterest expense to average assets | 2.9160% | 4,482 |
| Loan and lease loss provision to assets | 2.6196% | 747 |
| Net operating income to assets | -3.6446% | 7,538 |
| Return on assets (ROA) | -3.4652% | 7,503 |
| Pretax return on assets | -3.4652% | 7,411 |
| Return on Equity (ROE) | -41.1744% | 7,588 |
| Retained earnings to average equity (ytd only) | -41.1744% | 7,573 |
| Net charge-offs to loans | 2.9206% | 733 |
| Credit loss provision to net charge-offs | 114.3550% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.4474% | 6,659 |
| Efficiency ratio | 154.2005% | 291 |
| Assets per employee ($millions) | 9.7196% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5774% | 1,140 |
| Loan loss allowance to noncurrent loans | 25.9988% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 12.6415% | 221 |
| Noncurrent loans to loans | 9.9135% | 420 |
| Net loans and leases to total assets | 82.2513% | 648 |
| Net loans and leases to deposits | 94.5435% | 1,525 |
| Net loans and leases to core deposits | 98.2343% | 4,200 |
| Total domestic deposits to total assets | 86.9984% | 2,511 |
| Equity capital to assets | 8.6135% | 5,713 |
| Core capital (leverage) ratio | 8.0023% | 6,191 |
| Tier 1 risk-based capital ratio | 9.9175% | 6,941 |
| Total risk-based capital ratio | 11.1837% | 6,906 |
| Memoranda: | ||
| Average total assets | $117,077,600 | 4,657 |
| Average earning assets | $110,238,000 | 4,559 |
| Average equity | $9,853,200 | 5,339 |
| Average total loans | $91,830,400 | 4,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6538% | 3,554 |
| Cost of funding earning assets | 3.4977% | 72 |
| Net interest margin | 2.1561% | 7,731 |
| Noninterest income to average assets | 0.1147% | 7,320 |
| Noninterest expense to average assets | 2.7235% | 5,228 |
| Loan and lease loss provision to assets | 2.3673% | 716 |
| Net operating income to assets | -2.9288% | 7,569 |
| Return on assets (ROA) | -2.6994% | 7,519 |
| Pretax return on assets | -2.6994% | 7,418 |
| Return on Equity (ROE) | -32.2256% | 7,649 |
| Retained earnings to average equity (ytd only) | -32.2256% | 7,636 |
| Net charge-offs to loans | 2.2813% | 828 |
| Credit loss provision to net charge-offs | 134.3459% | 3,707 |
| Earnings coverage of net charge-offs (x) | -0.3187% | 6,370 |
| Efficiency ratio | 125.9727% | 518 |
| Assets per employee ($millions) | 10.7236% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 958 |
| Loan loss allowance to noncurrent loans | 25.4937% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 11.0504% | 280 |
| Noncurrent loans to loans | 10.2331% | 380 |
| Net loans and leases to total assets | 79.5470% | 1,271 |
| Net loans and leases to deposits | 90.4429% | 2,496 |
| Net loans and leases to core deposits | 94.9986% | 4,928 |
| Total domestic deposits to total assets | 87.9527% | 1,675 |
| Equity capital to assets | 9.0119% | 5,463 |
| Core capital (leverage) ratio | 8.3595% | 5,734 |
| Tier 1 risk-based capital ratio | 11.0574% | 5,892 |
| Total risk-based capital ratio | 12.3281% | 5,830 |
| Memoranda: | ||
| Average total assets | $122,048,000 | 4,539 |
| Average earning assets | $115,883,750 | 4,431 |
| Average equity | $10,223,500 | 5,277 |
| Average total loans | $94,273,000 | 4,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 4,432 |
| Cost of funding earning assets | 3.5368% | 99 |
| Net interest margin | 1.9950% | 7,867 |
| Noninterest income to average assets | 0.0913% | 7,518 |
| Noninterest expense to average assets | 2.6475% | 5,569 |
| Loan and lease loss provision to assets | 2.7830% | 547 |
| Net operating income to assets | -3.4398% | 7,759 |
| Return on assets (ROA) | -3.1090% | 7,695 |
| Pretax return on assets | -3.1090% | 7,597 |
| Return on Equity (ROE) | -37.9251% | 7,824 |
| Retained earnings to average equity (ytd only) | -37.9251% | 7,807 |
| Net charge-offs to loans | 2.5678% | 664 |
| Credit loss provision to net charge-offs | 142.6150% | 3,262 |
| Earnings coverage of net charge-offs (x) | -0.3366% | 5,980 |
| Efficiency ratio | 132.9905% | 499 |
| Assets per employee ($millions) | 8.6527% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4935% | 908 |
| Loan loss allowance to noncurrent loans | 26.4310% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 9.0401% | 374 |
| Noncurrent loans to loans | 9.4339% | 389 |
| Net loans and leases to total assets | 72.8904% | 2,978 |
| Net loans and leases to deposits | 81.9920% | 4,223 |
| Net loans and leases to core deposits | 86.9520% | 5,814 |
| Total domestic deposits to total assets | 88.8994% | 1,316 |
| Equity capital to assets | 8.1659% | 6,539 |
| Core capital (leverage) ratio | 7.7755% | 6,640 |
| Tier 1 risk-based capital ratio | 10.8054% | 6,076 |
| Total risk-based capital ratio | 12.0609% | 6,005 |
| Memoranda: | ||
| Average total assets | $126,985,330 | 4,452 |
| Average earning assets | $120,901,000 | 4,347 |
| Average equity | $10,410,000 | 5,240 |
| Average total loans | $96,501,330 | 4,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 3,857 |
| Cost of funding earning assets | 3.4248% | 183 |
| Net interest margin | 2.2650% | 7,748 |
| Noninterest income to average assets | 0.1262% | 7,387 |
| Noninterest expense to average assets | 2.4725% | 5,940 |
| Loan and lease loss provision to assets | 4.4862% | 203 |
| Net operating income to assets | -4.6617% | 8,020 |
| Return on assets (ROA) | -4.0151% | 7,974 |
| Pretax return on assets | -4.0151% | 7,906 |
| Return on Equity (ROE) | -48.8893% | 8,042 |
| Retained earnings to average equity (ytd only) | -48.8893% | 8,025 |
| Net charge-offs to loans | 3.6432% | 332 |
| Credit loss provision to net charge-offs | 160.8168% | 2,636 |
| Earnings coverage of net charge-offs (x) | -0.0629% | 5,037 |
| Efficiency ratio | 107.6408% | 879 |
| Assets per employee ($millions) | 7.9555% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 904 |
| Loan loss allowance to noncurrent loans | 38.8851% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 5.9369% | 679 |
| Noncurrent loans to loans | 6.0234% | 794 |
| Net loans and leases to total assets | 74.7172% | 2,572 |
| Net loans and leases to deposits | 85.9428% | 3,639 |
| Net loans and leases to core deposits | 91.5167% | 5,402 |
| Total domestic deposits to total assets | 86.9383% | 2,247 |
| Equity capital to assets | 8.0754% | 6,702 |
| Core capital (leverage) ratio | 7.7758% | 6,783 |
| Tier 1 risk-based capital ratio | 10.3947% | 6,500 |
| Total risk-based capital ratio | 11.6618% | 6,392 |
| Memoranda: | ||
| Average total assets | $129,909,000 | 4,409 |
| Average earning assets | $124,502,500 | 4,277 |
| Average equity | $10,669,000 | 5,195 |
| Average total loans | $99,474,000 | 4,047 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6593% | 2,204 |
| Cost of funding earning assets | 3.7306% | 245 |
| Net interest margin | 2.9287% | 7,084 |
| Noninterest income to average assets | 0.0182% | 8,038 |
| Noninterest expense to average assets | 2.9263% | 4,350 |
| Loan and lease loss provision to assets | 2.2532% | 506 |
| Net operating income to assets | -2.3667% | 7,671 |
| Return on assets (ROA) | -2.3667% | 7,637 |
| Pretax return on assets | -2.3667% | 7,548 |
| Return on Equity (ROE) | -27.1238% | 7,908 |
| Retained earnings to average equity (ytd only) | -27.1238% | 7,856 |
| Net charge-offs to loans | 2.4881% | 388 |
| Credit loss provision to net charge-offs | 108.7200% | 4,947 |
| Earnings coverage of net charge-offs (x) | -0.0548% | 6,287 |
| Efficiency ratio | 104.0377% | 867 |
| Assets per employee ($millions) | 8.2831% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 1,896 |
| Loan loss allowance to noncurrent loans | 37.5163% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 4.7838% | 755 |
| Noncurrent loans to loans | 4.5431% | 1,047 |
| Net loans and leases to total assets | 75.3263% | 2,801 |
| Net loans and leases to deposits | 86.8638% | 3,983 |
| Net loans and leases to core deposits | 93.5552% | 5,486 |
| Total domestic deposits to total assets | 86.7177% | 2,083 |
| Equity capital to assets | 8.3445% | 6,353 |
| Core capital (leverage) ratio | 7.7693% | 6,845 |
| Tier 1 risk-based capital ratio | 10.3196% | 6,397 |
| Total risk-based capital ratio | 11.5752% | 6,266 |
| Memoranda: | ||
| Average total assets | $120,630,600 | 4,503 |
| Average earning assets | $115,102,800 | 4,385 |
| Average equity | $10,525,800 | 5,253 |
| Average total loans | $100,478,000 | 3,931 |