Home > Sonoran Bank, N.A. > Performance and Condition Ratios
Sonoran Bank, N.A., Performance and Condition Ratios
| 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 | 5.0924% | 1,522 |
| Cost of funding earning assets | 0.6041% | 4,869 |
| Net interest margin | 4.4883% | 1,014 |
| Noninterest income to average assets | 0.9497% | 1,614 |
| Noninterest expense to average assets | 6.3176% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.4144% | 7,002 |
| Return on assets (ROA) | -1.0103% | 6,933 |
| Pretax return on assets | -1.0103% | 6,897 |
| Return on Equity (ROE) | -8.0935% | 6,864 |
| Retained earnings to average equity (ytd only) | -8.0935% | 6,772 |
| Net charge-offs to loans | -0.0455% | 6,638 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8462% | 169 |
| Assets per employee ($millions) | 4.7463% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6759% | 436 |
| Loan loss allowance to noncurrent loans | 210.6796% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 4,211 |
| Noncurrent loans to loans | 1.7448% | 3,284 |
| Net loans and leases to total assets | 59.9024% | 3,840 |
| Net loans and leases to deposits | 69.4754% | 3,973 |
| Net loans and leases to core deposits | 70.1901% | 4,518 |
| Total domestic deposits to total assets | 86.2209% | 3,238 |
| Equity capital to assets | 11.7284% | 2,385 |
| Core capital (leverage) ratio | 10.6390% | 2,675 |
| Tier 1 risk-based capital ratio | 14.8224% | 3,883 |
| Total risk-based capital ratio | 16.0956% | 3,821 |
| Memoranda: | ||
| Average total assets | $29,694,670 | 6,898 |
| Average earning assets | $26,156,670 | 6,897 |
| Average equity | $3,706,670 | 6,757 |
| Average total loans | $17,598,000 | 6,668 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 1,704 |
| Cost of funding earning assets | 0.6115% | 5,042 |
| Net interest margin | 4.4448% | 1,120 |
| Noninterest income to average assets | 0.8844% | 1,818 |
| Noninterest expense to average assets | 5.8740% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.0560% | 7,004 |
| Return on assets (ROA) | -0.4884% | 6,850 |
| Pretax return on assets | -0.4884% | 6,821 |
| Return on Equity (ROE) | -3.8046% | 6,796 |
| Retained earnings to average equity (ytd only) | -3.8046% | 6,473 |
| Net charge-offs to loans | -0.0456% | 6,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.9178% | 204 |
| Assets per employee ($millions) | 4.1729% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7658% | 442 |
| Loan loss allowance to noncurrent loans | 204.7319% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0852% | 4,321 |
| Noncurrent loans to loans | 1.8394% | 3,359 |
| Net loans and leases to total assets | 56.7785% | 4,248 |
| Net loans and leases to deposits | 67.8740% | 4,085 |
| Net loans and leases to core deposits | 68.5756% | 4,616 |
| Total domestic deposits to total assets | 83.6529% | 4,656 |
| Equity capital to assets | 11.8453% | 2,150 |
| Core capital (leverage) ratio | 10.5708% | 2,672 |
| Tier 1 risk-based capital ratio | 15.1907% | 3,625 |
| Total risk-based capital ratio | 16.4634% | 3,574 |
| Memoranda: | ||
| Average total assets | $30,303,000 | 6,938 |
| Average earning assets | $26,818,000 | 6,934 |
| Average equity | $3,890,000 | 6,750 |
| Average total loans | $17,542,000 | 6,726 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 2,534 |
| Cost of funding earning assets | 0.7905% | 4,933 |
| Net interest margin | 4.2884% | 1,737 |
| Noninterest income to average assets | 0.7475% | 2,349 |
| Noninterest expense to average assets | 5.3167% | 298 |
| Loan and lease loss provision to assets | 0.0781% | 5,636 |
| Net operating income to assets | -0.7254% | 6,617 |
| Return on assets (ROA) | -0.1621% | 6,292 |
| Pretax return on assets | -0.2852% | 6,345 |
| Return on Equity (ROE) | -1.2514% | 6,269 |
| Retained earnings to average equity (ytd only) | -1.2514% | 6,050 |
| Net charge-offs to loans | 0.2571% | 4,169 |
| Credit loss provision to net charge-offs | 56.5217% | 5,257 |
| Earnings coverage of net charge-offs (x) | -5.6087% | 6,367 |
| Efficiency ratio | 117.0522% | 334 |
| Assets per employee ($millions) | 4.4851% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6246% | 495 |
| Loan loss allowance to noncurrent loans | 200.3096% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 4,552 |
| Noncurrent loans to loans | 1.8095% | 3,455 |
| Net loans and leases to total assets | 54.7936% | 4,911 |
| Net loans and leases to deposits | 67.4442% | 4,521 |
| Net loans and leases to core deposits | 68.1118% | 5,014 |
| Total domestic deposits to total assets | 81.2428% | 5,376 |
| Equity capital to assets | 13.7597% | 1,151 |
| Core capital (leverage) ratio | 10.4662% | 2,765 |
| Tier 1 risk-based capital ratio | 14.6675% | 3,858 |
| Total risk-based capital ratio | 15.8698% | 3,866 |
| Memoranda: | ||
| Average total assets | $33,310,400 | 6,885 |
| Average earning assets | $29,475,000 | 6,881 |
| Average equity | $4,315,000 | 6,650 |
| Average total loans | $17,891,600 | 6,758 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 2,523 |
| Cost of funding earning assets | 0.8337% | 4,912 |
| Net interest margin | 4.2844% | 1,778 |
| Noninterest income to average assets | 0.5288% | 3,663 |
| Noninterest expense to average assets | 5.2205% | 307 |
| Loan and lease loss provision to assets | 0.1026% | 5,162 |
| Net operating income to assets | -0.8510% | 6,823 |
| Return on assets (ROA) | -0.1105% | 6,376 |
| Pretax return on assets | -0.2565% | 6,460 |
| Return on Equity (ROE) | -0.8654% | 6,359 |
| Retained earnings to average equity (ytd only) | -0.8654% | 6,130 |
| Net charge-offs to loans | 0.3575% | 3,302 |
| Credit loss provision to net charge-offs | 54.1667% | 4,946 |
| Earnings coverage of net charge-offs (x) | -4.7498% | 6,095 |
| Efficiency ratio | 120.8219% | 299 |
| Assets per employee ($millions) | 4.5177% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8076% | 452 |
| Loan loss allowance to noncurrent loans | 78.2767% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.6056% | 2,478 |
| Noncurrent loans to loans | 4.8642% | 1,306 |
| Net loans and leases to total assets | 51.5273% | 5,505 |
| Net loans and leases to deposits | 64.2167% | 5,141 |
| Net loans and leases to core deposits | 64.8557% | 5,537 |
| Total domestic deposits to total assets | 80.2397% | 5,662 |
| Equity capital to assets | 13.8471% | 1,227 |
| Core capital (leverage) ratio | 9.7499% | 3,774 |
| Tier 1 risk-based capital ratio | 15.1980% | 3,548 |
| Total risk-based capital ratio | 16.4724% | 3,498 |
| Memoranda: | ||
| Average total assets | $33,789,000 | 6,930 |
| Average earning assets | $29,906,250 | 6,936 |
| Average equity | $4,313,750 | 6,702 |
| Average total loans | $17,902,000 | 6,825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 2,424 |
| Cost of funding earning assets | 0.8522% | 5,048 |
| Net interest margin | 4.3071% | 1,628 |
| Noninterest income to average assets | 0.6317% | 2,938 |
| Noninterest expense to average assets | 5.1810% | 318 |
| Loan and lease loss provision to assets | 0.1391% | 4,564 |
| Net operating income to assets | -0.7456% | 6,839 |
| Return on assets (ROA) | -0.7012% | 6,826 |
| Pretax return on assets | -0.8287% | 6,837 |
| Return on Equity (ROE) | -5.6384% | 6,752 |
| Retained earnings to average equity (ytd only) | -5.6384% | 6,619 |
| Net charge-offs to loans | 0.5488% | 2,460 |
| Credit loss provision to net charge-offs | 48.0000% | 4,633 |
| Earnings coverage of net charge-offs (x) | -2.5600% | 5,741 |
| Efficiency ratio | 116.7102% | 380 |
| Assets per employee ($millions) | 4.9449% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5720% | 571 |
| Loan loss allowance to noncurrent loans | 75.9479% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.6088% | 2,553 |
| Noncurrent loans to loans | 4.7033% | 1,401 |
| Net loans and leases to total assets | 49.9913% | 5,823 |
| Net loans and leases to deposits | 60.7222% | 5,647 |
| Net loans and leases to core deposits | 61.8221% | 5,914 |
| Total domestic deposits to total assets | 82.3280% | 5,050 |
| Equity capital to assets | 12.2667% | 1,924 |
| Core capital (leverage) ratio | 9.7420% | 3,614 |
| Tier 1 risk-based capital ratio | 13.6392% | 4,424 |
| Total risk-based capital ratio | 14.9140% | 4,385 |
| Memoranda: | ||
| Average total assets | $34,510,670 | 6,974 |
| Average earning assets | $30,508,000 | 6,981 |
| Average equity | $4,292,000 | 6,746 |
| Average total loans | $18,222,670 | 6,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 1,700 |
| Cost of funding earning assets | 0.8559% | 5,237 |
| Net interest margin | 4.5035% | 1,061 |
| Noninterest income to average assets | 0.3947% | 4,743 |
| Noninterest expense to average assets | 5.0959% | 334 |
| Loan and lease loss provision to assets | 0.1393% | 4,266 |
| Net operating income to assets | -0.7406% | 6,933 |
| Return on assets (ROA) | -0.6617% | 6,902 |
| Pretax return on assets | -0.7777% | 6,909 |
| Return on Equity (ROE) | -5.2839% | 6,825 |
| Retained earnings to average equity (ytd only) | -5.2839% | 6,540 |
| Net charge-offs to loans | 1.1328% | 1,225 |
| Credit loss provision to net charge-offs | 23.0769% | 4,223 |
| Earnings coverage of net charge-offs (x) | -1.2115% | 4,916 |
| Efficiency ratio | 116.7553% | 387 |
| Assets per employee ($millions) | 4.1764% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4720% | 623 |
| Loan loss allowance to noncurrent loans | 100.4808% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 2.0442% | 3,268 |
| Noncurrent loans to loans | 3.4553% | 2,164 |
| Net loans and leases to total assets | 52.1744% | 5,556 |
| Net loans and leases to deposits | 62.0754% | 5,486 |
| Net loans and leases to core deposits | 63.2144% | 5,812 |
| Total domestic deposits to total assets | 84.0502% | 4,472 |
| Equity capital to assets | 12.5887% | 1,576 |
| Core capital (leverage) ratio | 9.4985% | 3,814 |
| Tier 1 risk-based capital ratio | 13.9397% | 4,113 |
| Total risk-based capital ratio | 15.2106% | 4,073 |
| Memoranda: | ||
| Average total assets | $34,459,000 | 7,029 |
| Average earning assets | $30,376,500 | 7,038 |
| Average equity | $4,315,000 | 6,777 |
| Average total loans | $18,361,500 | 6,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,765 |
| Cost of funding earning assets | 1.2178% | 4,436 |
| Net interest margin | 4.1631% | 2,317 |
| Noninterest income to average assets | -0.9171% | 7,619 |
| Noninterest expense to average assets | 5.6963% | 273 |
| Loan and lease loss provision to assets | 0.6732% | 2,451 |
| Net operating income to assets | -3.0788% | 7,310 |
| Return on assets (ROA) | -2.8315% | 7,278 |
| Pretax return on assets | -3.3302% | 7,343 |
| Return on Equity (ROE) | -20.7817% | 7,052 |
| Retained earnings to average equity (ytd only) | -20.7817% | 7,024 |
| Net charge-offs to loans | -0.0220% | 7,376 |
| Credit loss provision to net charge-offs | -6,075.0000% | 7,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.2581% | 83 |
| Assets per employee ($millions) | 4.4384% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5737% | 561 |
| Loan loss allowance to noncurrent loans | 77.0208% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 4.4893% | 1,491 |
| Noncurrent loans to loans | 4.6399% | 1,507 |
| Net loans and leases to total assets | 50.6858% | 6,084 |
| Net loans and leases to deposits | 60.1584% | 6,040 |
| Net loans and leases to core deposits | 62.7948% | 6,173 |
| Total domestic deposits to total assets | 84.2538% | 4,242 |
| Equity capital to assets | 12.4595% | 1,661 |
| Core capital (leverage) ratio | 8.7290% | 4,970 |
| Tier 1 risk-based capital ratio | 13.1724% | 4,469 |
| Total risk-based capital ratio | 14.4488% | 4,406 |
| Memoranda: | ||
| Average total assets | $36,093,600 | 7,004 |
| Average earning assets | $31,779,200 | 7,026 |
| Average equity | $4,917,800 | 6,693 |
| Average total loans | $18,173,200 | 7,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 2,784 |
| Cost of funding earning assets | 1.2664% | 4,457 |
| Net interest margin | 4.1556% | 2,385 |
| Noninterest income to average assets | -0.1692% | 7,578 |
| Noninterest expense to average assets | 5.5995% | 259 |
| Loan and lease loss provision to assets | 0.8903% | 1,709 |
| Net operating income to assets | -2.5623% | 7,363 |
| Return on assets (ROA) | -2.5717% | 7,383 |
| Pretax return on assets | -3.0242% | 7,428 |
| Return on Equity (ROE) | -18.4871% | 7,191 |
| Retained earnings to average equity (ytd only) | -18.4871% | 7,171 |
| Net charge-offs to loans | -0.0222% | 7,367 |
| Credit loss provision to net charge-offs | -8,066.6667% | 7,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.0582% | 161 |
| Assets per employee ($millions) | 4.9079% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5273% | 527 |
| Loan loss allowance to noncurrent loans | 87.3850% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 4.6634% | 1,425 |
| Noncurrent loans to loans | 4.0365% | 1,851 |
| Net loans and leases to total assets | 46.3235% | 6,667 |
| Net loans and leases to deposits | 56.4424% | 6,582 |
| Net loans and leases to core deposits | 64.8159% | 6,227 |
| Total domestic deposits to total assets | 82.0722% | 4,965 |
| Equity capital to assets | 12.3500% | 1,943 |
| Core capital (leverage) ratio | 9.7230% | 3,588 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,852 |
| Total risk-based capital ratio | 15.2599% | 3,799 |
| Memoranda: | ||
| Average total assets | $36,240,250 | 7,085 |
| Average earning assets | $31,795,500 | 7,111 |
| Average equity | $5,041,250 | 6,736 |
| Average total loans | $18,050,500 | 7,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 2,077 |
| Cost of funding earning assets | 1.2767% | 4,672 |
| Net interest margin | 4.3383% | 1,643 |
| Noninterest income to average assets | -0.5449% | 7,754 |
| Noninterest expense to average assets | 5.6822% | 247 |
| Loan and lease loss provision to assets | 1.4191% | 940 |
| Net operating income to assets | -3.2867% | 7,545 |
| Return on assets (ROA) | -3.2867% | 7,551 |
| Pretax return on assets | -3.8657% | 7,586 |
| Return on Equity (ROE) | -22.6822% | 7,333 |
| Retained earnings to average equity (ytd only) | -22.6822% | 7,318 |
| Net charge-offs to loans | -0.0225% | 7,300 |
| Credit loss provision to net charge-offs | -12,500.0000% | 7,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.6140% | 136 |
| Assets per employee ($millions) | 4.5513% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7985% | 437 |
| Loan loss allowance to noncurrent loans | 86.3753% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 5.0755% | 1,256 |
| Noncurrent loans to loans | 4.3977% | 1,667 |
| Net loans and leases to total assets | 46.7427% | 6,727 |
| Net loans and leases to deposits | 57.8150% | 6,589 |
| Net loans and leases to core deposits | 70.7680% | 5,803 |
| Total domestic deposits to total assets | 80.8487% | 5,455 |
| Equity capital to assets | 13.1859% | 1,482 |
| Core capital (leverage) ratio | 10.2752% | 2,862 |
| Tier 1 risk-based capital ratio | 14.6737% | 3,341 |
| Total risk-based capital ratio | 15.9428% | 3,304 |
| Memoranda: | ||
| Average total assets | $35,232,670 | 7,171 |
| Average earning assets | $30,703,000 | 7,202 |
| Average equity | $5,105,330 | 6,747 |
| Average total loans | $17,783,000 | 7,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6345% | 2,011 |
| Cost of funding earning assets | 1.1988% | 5,412 |
| Net interest margin | 4.4356% | 1,283 |
| Noninterest income to average assets | 0.5311% | 3,803 |
| Noninterest expense to average assets | 5.5998% | 263 |
| Loan and lease loss provision to assets | 0.0577% | 6,079 |
| Net operating income to assets | -1.0853% | 7,158 |
| Return on assets (ROA) | -1.0853% | 7,175 |
| Pretax return on assets | -1.2816% | 7,178 |
| Return on Equity (ROE) | -7.1517% | 7,008 |
| Retained earnings to average equity (ytd only) | -7.1517% | 6,758 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9683% | 356 |
| Assets per employee ($millions) | 4.5251% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 1,359 |
| Loan loss allowance to noncurrent loans | 180.0847% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 4.1518% | 1,641 |
| Noncurrent loans to loans | 1.3613% | 4,703 |
| Net loans and leases to total assets | 46.7142% | 6,773 |
| Net loans and leases to deposits | 60.7523% | 6,387 |
| Net loans and leases to core deposits | 75.8375% | 5,278 |
| Total domestic deposits to total assets | 76.8929% | 6,580 |
| Equity capital to assets | 14.3615% | 1,046 |
| Core capital (leverage) ratio | 12.7999% | 1,292 |
| Tier 1 risk-based capital ratio | 17.2724% | 2,165 |
| Total risk-based capital ratio | 18.5299% | 2,115 |
| Memoranda: | ||
| Average total assets | $34,644,000 | 7,280 |
| Average earning assets | $30,029,500 | 7,318 |
| Average equity | $5,257,500 | 6,754 |
| Average total loans | $17,829,000 | 7,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7544% | 2,845 |
| Cost of funding earning assets | 1.1071% | 6,952 |
| Net interest margin | 4.6472% | 904 |
| Noninterest income to average assets | 0.5529% | 3,997 |
| Noninterest expense to average assets | 6.7190% | 229 |
| Loan and lease loss provision to assets | 0.3936% | 4,434 |
| Net operating income to assets | -2.0268% | 7,104 |
| Return on assets (ROA) | -4.8667% | 7,726 |
| Pretax return on assets | -5.2165% | 7,731 |
| Return on Equity (ROE) | -24.4446% | 7,275 |
| Retained earnings to average equity (ytd only) | -24.4446% | 7,248 |
| Net charge-offs to loans | 0.0764% | 6,349 |
| Credit loss provision to net charge-offs | 900.0000% | 326 |
| Earnings coverage of net charge-offs (x) | -45.3571% | 7,211 |
| Efficiency ratio | 141.8865% | 369 |
| Assets per employee ($millions) | 4.1359% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 1,496 |
| Loan loss allowance to noncurrent loans | 181.0345% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 4.5275% | 1,424 |
| Noncurrent loans to loans | 1.2662% | 4,816 |
| Net loans and leases to total assets | 54.1058% | 6,186 |
| Net loans and leases to deposits | 73.7588% | 5,088 |
| Net loans and leases to core deposits | 99.7381% | 4,032 |
| Total domestic deposits to total assets | 73.3551% | 7,109 |
| Equity capital to assets | 16.0667% | 691 |
| Core capital (leverage) ratio | 13.7605% | 1,027 |
| Tier 1 risk-based capital ratio | 17.7775% | 1,949 |
| Total risk-based capital ratio | 19.0313% | 1,904 |
| Memoranda: | ||
| Average total assets | $32,013,600 | 7,402 |
| Average earning assets | $28,812,800 | 7,403 |
| Average equity | $6,373,600 | 6,474 |
| Average total loans | $18,332,600 | 7,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7084% | 3,300 |
| Cost of funding earning assets | 1.1223% | 7,126 |
| Net interest margin | 4.5861% | 1,009 |
| Noninterest income to average assets | 0.5712% | 3,911 |
| Noninterest expense to average assets | 6.6444% | 232 |
| Loan and lease loss provision to assets | 0.3738% | 4,086 |
| Net operating income to assets | -1.9019% | 7,274 |
| Return on assets (ROA) | -1.8984% | 7,277 |
| Pretax return on assets | -2.2722% | 7,271 |
| Return on Equity (ROE) | -9.0788% | 6,818 |
| Retained earnings to average equity (ytd only) | -9.0788% | 6,712 |
| Net charge-offs to loans | -0.1018% | 7,922 |
| Credit loss provision to net charge-offs | -635.7143% | 7,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.1240% | 385 |
| Assets per employee ($millions) | 3.9994% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 1,629 |
| Loan loss allowance to noncurrent loans | 44.4324% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 4.1006% | 1,543 |
| Noncurrent loans to loans | 4.6881% | 1,466 |
| Net loans and leases to total assets | 60.3844% | 5,527 |
| Net loans and leases to deposits | 86.1884% | 3,276 |
| Net loans and leases to core deposits | 115.2195% | 2,700 |
| Total domestic deposits to total assets | 70.0609% | 7,411 |
| Equity capital to assets | 19.9156% | 347 |
| Core capital (leverage) ratio | 18.6008% | 411 |
| Tier 1 risk-based capital ratio | 23.1212% | 1,095 |
| Total risk-based capital ratio | 24.3683% | 1,066 |
| Memoranda: | ||
| Average total assets | $31,745,250 | 7,473 |
| Average earning assets | $28,869,250 | 7,463 |
| Average equity | $6,638,000 | 6,436 |
| Average total loans | $18,335,250 | 7,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7148% | 3,456 |
| Cost of funding earning assets | 1.1751% | 7,180 |
| Net interest margin | 4.5396% | 1,079 |
| Noninterest income to average assets | 0.5685% | 3,907 |
| Noninterest expense to average assets | 6.9989% | 219 |
| Loan and lease loss provision to assets | 0.4359% | 3,373 |
| Net operating income to assets | -2.3109% | 7,515 |
| Return on assets (ROA) | -2.3056% | 7,509 |
| Pretax return on assets | -2.7604% | 7,494 |
| Return on Equity (ROE) | -10.8523% | 7,101 |
| Retained earnings to average equity (ytd only) | -10.8523% | 6,962 |
| Net charge-offs to loans | -0.1567% | 8,007 |
| Credit loss provision to net charge-offs | -492.8571% | 7,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.9323% | 370 |
| Assets per employee ($millions) | 3.8140% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 1,334 |
| Loan loss allowance to noncurrent loans | 42.2703% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 4.2999% | 1,342 |
| Noncurrent loans to loans | 5.0569% | 1,205 |
| Net loans and leases to total assets | 58.6687% | 5,879 |
| Net loans and leases to deposits | 87.6726% | 3,226 |
| Net loans and leases to core deposits | 114.1136% | 2,897 |
| Total domestic deposits to total assets | 66.9179% | 7,686 |
| Equity capital to assets | 21.5784% | 298 |
| Core capital (leverage) ratio | 20.0000% | 359 |
| Tier 1 risk-based capital ratio | 25.8946% | 871 |
| Total risk-based capital ratio | 27.1491% | 844 |
| Memoranda: | ||
| Average total assets | $31,662,000 | 7,544 |
| Average earning assets | $28,592,670 | 7,543 |
| Average equity | $6,726,670 | 6,457 |
| Average total loans | $17,870,000 | 7,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 5,744 |
| Cost of funding earning assets | 1.2336% | 7,217 |
| Net interest margin | 4.0983% | 2,275 |
| Noninterest income to average assets | 0.4839% | 4,468 |
| Noninterest expense to average assets | 6.2661% | 266 |
| Loan and lease loss provision to assets | 0.1489% | 5,032 |
| Net operating income to assets | -1.8092% | 7,609 |
| Return on assets (ROA) | -1.7992% | 7,605 |
| Pretax return on assets | -2.2086% | 7,594 |
| Return on Equity (ROE) | -8.5319% | 7,272 |
| Retained earnings to average equity (ytd only) | -8.5319% | 6,965 |
| Net charge-offs to loans | -0.2945% | 8,063 |
| Credit loss provision to net charge-offs | -92.3077% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.4083% | 355 |
| Assets per employee ($millions) | 3.8500% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 1,697 |
| Loan loss allowance to noncurrent loans | 36.0000% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 4.6299% | 1,021 |
| Noncurrent loans to loans | 5.1841% | 1,031 |
| Net loans and leases to total assets | 56.8506% | 6,121 |
| Net loans and leases to deposits | 86.2137% | 3,591 |
| Net loans and leases to core deposits | 101.4955% | 4,397 |
| Total domestic deposits to total assets | 65.9416% | 7,736 |
| Equity capital to assets | 21.9351% | 307 |
| Core capital (leverage) ratio | 20.2446% | 384 |
| Tier 1 risk-based capital ratio | 27.3166% | 798 |
| Total risk-based capital ratio | 28.5689% | 774 |
| Memoranda: | ||
| Average total assets | $32,237,000 | 7,557 |
| Average earning assets | $29,183,000 | 7,559 |
| Average equity | $6,798,000 | 6,481 |
| Average total loans | $17,659,000 | 7,499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3258% | 3,817 |
| Cost of funding earning assets | 1.5761% | 7,493 |
| Net interest margin | 4.7498% | 865 |
| Noninterest income to average assets | 0.4112% | 5,381 |
| Noninterest expense to average assets | 6.2381% | 371 |
| Loan and lease loss provision to assets | 3.2069% | 271 |
| Net operating income to assets | -3.9498% | 7,980 |
| Return on assets (ROA) | -3.9498% | 7,964 |
| Pretax return on assets | -4.6462% | 7,981 |
| Return on Equity (ROE) | -15.7811% | 7,620 |
| Retained earnings to average equity (ytd only) | -15.7811% | 7,505 |
| Net charge-offs to loans | 4.4457% | 133 |
| Credit loss provision to net charge-offs | 122.4051% | 4,390 |
| Earnings coverage of net charge-offs (x) | -0.5494% | 6,495 |
| Efficiency ratio | 129.9931% | 465 |
| Assets per employee ($millions) | 4.2093% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 3,245 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.9800% | 6,936 |
| Net loans and leases to deposits | 72.7415% | 5,972 |
| Net loans and leases to core deposits | 83.1936% | 6,367 |
| Total domestic deposits to total assets | 70.0837% | 7,266 |
| Equity capital to assets | 20.3124% | 446 |
| Core capital (leverage) ratio | 20.0147% | 445 |
| Tier 1 risk-based capital ratio | 27.4502% | 798 |
| Total risk-based capital ratio | 28.6989% | 774 |
| Memoranda: | ||
| Average total assets | $30,153,400 | 7,641 |
| Average earning assets | $27,854,000 | 7,621 |
| Average equity | $7,547,000 | 6,262 |
| Average total loans | $17,770,000 | 7,474 |