Home > SouthBank, a Federal Savings Bank > Performance and Condition Ratios
SouthBank, a Federal Savings Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6145% | 6,292 |
| Cost of funding earning assets | 0.7758% | 562 |
| Net interest margin | 0.8387% | 6,316 |
| Noninterest income to average assets | 0.3458% | 4,484 |
| Noninterest expense to average assets | 3.7745% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.6382% | 6,316 |
| Return on assets (ROA) | -2.6481% | 6,317 |
| Pretax return on assets | -2.6481% | 6,315 |
| Return on Equity (ROE) | -30.7163% | 6,317 |
| Retained earnings to average equity (ytd only) | -30.7163% | 6,301 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 332.1739% | 7 |
| Assets per employee ($millions) | 6.2400% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4555% | 508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3985% | 808 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 10.8226% | 6,290 |
| Net loans and leases to deposits | 11.9331% | 6,293 |
| Net loans and leases to core deposits | 11.9331% | 6,282 |
| Total domestic deposits to total assets | 90.6944% | 388 |
| Equity capital to assets | 8.5630% | 5,629 |
| Core capital (leverage) ratio | 8.9096% | 5,081 |
| Tier 1 risk-based capital ratio | 30.8306% | 497 |
| Total risk-based capital ratio | 31.7669% | 507 |
| Memoranda: | ||
| Average total assets | $20,241,000 | 6,254 |
| Average earning assets | $19,077,000 | 6,228 |
| Average equity | $1,745,000 | 6,287 |
| Average total loans | $2,485,670 | 6,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5935% | 6,357 |
| Cost of funding earning assets | 0.8068% | 480 |
| Net interest margin | 0.7867% | 6,393 |
| Noninterest income to average assets | 0.3238% | 4,595 |
| Noninterest expense to average assets | 3.4855% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.4189% | 6,376 |
| Return on assets (ROA) | -2.4379% | 6,379 |
| Pretax return on assets | -2.4379% | 6,376 |
| Return on Equity (ROE) | -28.1938% | 6,378 |
| Retained earnings to average equity (ytd only) | -28.1938% | 6,334 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 326.7857% | 7 |
| Assets per employee ($millions) | 6.7840% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2062% | 1,044 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.0651% | 6,346 |
| Net loans and leases to deposits | 14.4260% | 6,354 |
| Net loans and leases to core deposits | 14.4260% | 6,349 |
| Total domestic deposits to total assets | 90.5660% | 507 |
| Equity capital to assets | 8.8787% | 5,413 |
| Core capital (leverage) ratio | 8.7843% | 5,227 |
| Tier 1 risk-based capital ratio | 27.4420% | 681 |
| Total risk-based capital ratio | 28.2400% | 701 |
| Memoranda: | ||
| Average total assets | $21,001,500 | 6,308 |
| Average earning assets | $19,830,500 | 6,286 |
| Average equity | $1,816,000 | 6,341 |
| Average total loans | $2,690,000 | 6,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9305% | 6,427 |
| Cost of funding earning assets | 0.8741% | 450 |
| Net interest margin | 1.0564% | 6,461 |
| Noninterest income to average assets | 0.3909% | 4,261 |
| Noninterest expense to average assets | 3.2025% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.8078% | 6,451 |
| Return on assets (ROA) | -1.6923% | 6,446 |
| Pretax return on assets | -1.6923% | 6,436 |
| Return on Equity (ROE) | -22.4991% | 6,450 |
| Retained earnings to average equity (ytd only) | -22.4991% | 6,438 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.6178% | 13 |
| Assets per employee ($millions) | 7.2170% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 1,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0738% | 1,206 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 12.0964% | 6,442 |
| Net loans and leases to deposits | 13.2917% | 6,450 |
| Net loans and leases to core deposits | 13.5272% | 6,441 |
| Total domestic deposits to total assets | 91.0073% | 363 |
| Equity capital to assets | 8.4292% | 5,809 |
| Core capital (leverage) ratio | 9.1220% | 4,790 |
| Tier 1 risk-based capital ratio | 27.7739% | 625 |
| Total risk-based capital ratio | 28.5333% | 641 |
| Memoranda: | ||
| Average total assets | $22,513,400 | 6,379 |
| Average earning assets | $21,393,200 | 6,344 |
| Average equity | $1,693,400 | 6,438 |
| Average total loans | $3,096,600 | 6,462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0164% | 6,500 |
| Cost of funding earning assets | 0.8756% | 479 |
| Net interest margin | 1.1408% | 6,543 |
| Noninterest income to average assets | 0.3872% | 4,337 |
| Noninterest expense to average assets | 3.2381% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.7657% | 6,518 |
| Return on assets (ROA) | -1.6073% | 6,507 |
| Pretax return on assets | -1.6073% | 6,497 |
| Return on Equity (ROE) | -22.0006% | 6,522 |
| Retained earnings to average equity (ytd only) | -22.0006% | 6,504 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.9203% | 19 |
| Assets per employee ($millions) | 5.6338% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 1,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9925% | 1,447 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 11.7506% | 6,525 |
| Net loans and leases to deposits | 12.8208% | 6,531 |
| Net loans and leases to core deposits | 13.0366% | 6,522 |
| Total domestic deposits to total assets | 91.6530% | 207 |
| Equity capital to assets | 7.8722% | 6,189 |
| Core capital (leverage) ratio | 9.2390% | 4,722 |
| Tier 1 risk-based capital ratio | 29.6962% | 544 |
| Total risk-based capital ratio | 30.4664% | 553 |
| Memoranda: | ||
| Average total assets | $22,729,000 | 6,453 |
| Average earning assets | $21,622,250 | 6,416 |
| Average equity | $1,660,500 | 6,517 |
| Average total loans | $3,203,250 | 6,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1549% | 6,554 |
| Cost of funding earning assets | 0.8749% | 494 |
| Net interest margin | 1.2800% | 6,602 |
| Noninterest income to average assets | 0.4212% | 4,086 |
| Noninterest expense to average assets | 3.3343% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.6935% | 6,583 |
| Return on assets (ROA) | -1.6847% | 6,581 |
| Pretax return on assets | -1.6847% | 6,573 |
| Return on Equity (ROE) | -23.6647% | 6,593 |
| Retained earnings to average equity (ytd only) | -23.6647% | 6,560 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.2086% | 19 |
| Assets per employee ($millions) | 5.6868% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 2,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9739% | 1,628 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 13.3424% | 6,580 |
| Net loans and leases to deposits | 14.5717% | 6,588 |
| Net loans and leases to core deposits | 14.8143% | 6,580 |
| Total domestic deposits to total assets | 91.5637% | 247 |
| Equity capital to assets | 8.0186% | 6,146 |
| Core capital (leverage) ratio | 9.0581% | 4,929 |
| Tier 1 risk-based capital ratio | 29.1999% | 564 |
| Total risk-based capital ratio | 29.9566% | 587 |
| Memoranda: | ||
| Average total assets | $22,793,670 | 6,518 |
| Average earning assets | $21,718,000 | 6,476 |
| Average equity | $1,622,670 | 6,587 |
| Average total loans | $3,371,330 | 6,603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2396% | 6,613 |
| Cost of funding earning assets | 0.8628% | 551 |
| Net interest margin | 1.3768% | 6,670 |
| Noninterest income to average assets | 0.3156% | 4,841 |
| Noninterest expense to average assets | 3.5412% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.9109% | 6,658 |
| Return on assets (ROA) | -1.8933% | 6,654 |
| Pretax return on assets | -1.8933% | 6,639 |
| Return on Equity (ROE) | -28.3837% | 6,661 |
| Retained earnings to average equity (ytd only) | -28.3837% | 6,613 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 217.2043% | 22 |
| Assets per employee ($millions) | 5.7710% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 2,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9451% | 1,768 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.2429% | 6,649 |
| Net loans and leases to deposits | 14.3192% | 6,659 |
| Net loans and leases to core deposits | 14.5509% | 6,652 |
| Total domestic deposits to total assets | 92.4840% | 168 |
| Equity capital to assets | 7.1781% | 6,404 |
| Core capital (leverage) ratio | 9.0728% | 4,906 |
| Tier 1 risk-based capital ratio | 29.0253% | 572 |
| Total risk-based capital ratio | 29.7448% | 593 |
| Memoranda: | ||
| Average total assets | $22,817,000 | 6,588 |
| Average earning assets | $21,790,000 | 6,546 |
| Average equity | $1,522,000 | 6,664 |
| Average total loans | $3,514,000 | 6,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2105% | 6,686 |
| Cost of funding earning assets | 0.8959% | 753 |
| Net interest margin | 1.3146% | 6,742 |
| Noninterest income to average assets | -1.0347% | 6,806 |
| Noninterest expense to average assets | 2.9496% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -2.7306% | 6,748 |
| Return on assets (ROA) | -2.3485% | 6,729 |
| Pretax return on assets | -2.3485% | 6,726 |
| Return on Equity (ROE) | -30.1976% | 6,726 |
| Retained earnings to average equity (ytd only) | -30.1976% | 6,720 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,347.0588% | 4 |
| Assets per employee ($millions) | 5.6375% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 4,140 |
| Loan loss allowance to noncurrent loans | 11.3586% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 1.9911% | 1,805 |
| Noncurrent loans to loans | 11.4541% | 85 |
| Net loans and leases to total assets | 17.1574% | 6,702 |
| Net loans and leases to deposits | 18.3287% | 6,718 |
| Net loans and leases to core deposits | 18.6269% | 6,714 |
| Total domestic deposits to total assets | 93.6098% | 94 |
| Equity capital to assets | 6.1508% | 6,609 |
| Core capital (leverage) ratio | 9.1093% | 4,844 |
| Tier 1 risk-based capital ratio | 27.8602% | 619 |
| Total risk-based capital ratio | 28.5564% | 638 |
| Memoranda: | ||
| Average total assets | $23,291,600 | 6,657 |
| Average earning assets | $22,211,800 | 6,616 |
| Average equity | $1,811,400 | 6,716 |
| Average total loans | $3,824,800 | 6,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1497% | 6,779 |
| Cost of funding earning assets | 0.9017% | 808 |
| Net interest margin | 1.2480% | 6,832 |
| Noninterest income to average assets | -1.4255% | 6,889 |
| Noninterest expense to average assets | 2.7601% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.9986% | 6,849 |
| Return on assets (ROA) | -2.4932% | 6,823 |
| Pretax return on assets | -2.4932% | 6,820 |
| Return on Equity (ROE) | -30.5252% | 6,816 |
| Retained earnings to average equity (ytd only) | -30.5252% | 6,809 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,157.1429% | 6,890 |
| Assets per employee ($millions) | 5.6188% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,000 |
| Loan loss allowance to noncurrent loans | 11.3586% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 2,022 |
| Noncurrent loans to loans | 12.1122% | 82 |
| Net loans and leases to total assets | 16.2670% | 6,790 |
| Net loans and leases to deposits | 17.5415% | 6,805 |
| Net loans and leases to core deposits | 17.8298% | 6,802 |
| Total domestic deposits to total assets | 92.7341% | 146 |
| Equity capital to assets | 7.0478% | 6,535 |
| Core capital (leverage) ratio | 9.0549% | 5,042 |
| Tier 1 risk-based capital ratio | 27.6449% | 655 |
| Total risk-based capital ratio | 28.3227% | 684 |
| Memoranda: | ||
| Average total assets | $23,477,000 | 6,726 |
| Average earning assets | $22,328,000 | 6,690 |
| Average equity | $1,917,500 | 6,781 |
| Average total loans | $3,801,000 | 6,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0833% | 6,836 |
| Cost of funding earning assets | 0.9042% | 879 |
| Net interest margin | 1.1790% | 6,887 |
| Noninterest income to average assets | -2.2595% | 6,938 |
| Noninterest expense to average assets | 2.6794% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -3.8218% | 6,915 |
| Return on assets (ROA) | -3.3094% | 6,905 |
| Pretax return on assets | -3.3094% | 6,899 |
| Return on Equity (ROE) | -38.8432% | 6,885 |
| Retained earnings to average equity (ytd only) | -38.8432% | 6,877 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -234.5588% | 6,937 |
| Assets per employee ($millions) | 5.7778% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,281 |
| Loan loss allowance to noncurrent loans | 11.2583% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 1.9601% | 2,204 |
| Noncurrent loans to loans | 11.9683% | 91 |
| Net loans and leases to total assets | 16.1568% | 6,836 |
| Net loans and leases to deposits | 17.2615% | 6,860 |
| Net loans and leases to core deposits | 17.5338% | 6,854 |
| Total domestic deposits to total assets | 93.6005% | 81 |
| Equity capital to assets | 6.1745% | 6,730 |
| Core capital (leverage) ratio | 7.7394% | 6,345 |
| Tier 1 risk-based capital ratio | 21.7480% | 1,345 |
| Total risk-based capital ratio | 22.3577% | 1,439 |
| Memoranda: | ||
| Average total assets | $23,811,000 | 6,771 |
| Average earning assets | $22,560,670 | 6,733 |
| Average equity | $2,028,670 | 6,815 |
| Average total loans | $3,832,330 | 6,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1869% | 6,893 |
| Cost of funding earning assets | 0.8995% | 990 |
| Net interest margin | 1.2874% | 6,957 |
| Noninterest income to average assets | 0.8609% | 1,894 |
| Noninterest expense to average assets | 2.7151% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6457% | 6,725 |
| Return on assets (ROA) | -0.3311% | 6,625 |
| Pretax return on assets | -0.3311% | 6,607 |
| Return on Equity (ROE) | -3.4342% | 6,628 |
| Retained earnings to average equity (ytd only) | -3.4342% | 6,228 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.2000% | 142 |
| Assets per employee ($millions) | 6.0853% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 4,055 |
| Loan loss allowance to noncurrent loans | 10.7822% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 3.3647% | 1,289 |
| Noncurrent loans to loans | 13.3503% | 108 |
| Net loans and leases to total assets | 14.3462% | 6,924 |
| Net loans and leases to deposits | 15.9060% | 6,938 |
| Net loans and leases to core deposits | 16.1525% | 6,934 |
| Total domestic deposits to total assets | 90.1935% | 936 |
| Equity capital to assets | 9.5107% | 4,837 |
| Core capital (leverage) ratio | 9.0549% | 4,799 |
| Tier 1 risk-based capital ratio | 25.7939% | 809 |
| Total risk-based capital ratio | 26.4056% | 855 |
| Memoranda: | ||
| Average total assets | $24,161,000 | 6,832 |
| Average earning assets | $22,680,500 | 6,796 |
| Average equity | $2,329,500 | 6,842 |
| Average total loans | $3,856,000 | 6,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8825% | 7,000 |
| Cost of funding earning assets | 0.9785% | 1,476 |
| Net interest margin | 0.9040% | 7,035 |
| Noninterest income to average assets | 0.6840% | 2,810 |
| Noninterest expense to average assets | 2.9036% | 3,622 |
| Loan and lease loss provision to assets | -0.7141% | 7,060 |
| Net operating income to assets | -0.6711% | 6,639 |
| Return on assets (ROA) | -0.1291% | 6,405 |
| Pretax return on assets | -0.1291% | 6,384 |
| Return on Equity (ROE) | -1.3528% | 6,410 |
| Retained earnings to average equity (ytd only) | -1.3528% | 6,069 |
| Net charge-offs to loans | -0.2357% | 6,954 |
| Credit loss provision to net charge-offs | 2,075.0000% | 114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.2181% | 46 |
| Assets per employee ($millions) | 5.9953% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,005 |
| Loan loss allowance to noncurrent loans | 10.6250% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 5.5335% | 668 |
| Noncurrent loans to loans | 11.5136% | 165 |
| Net loans and leases to total assets | 17.1719% | 6,962 |
| Net loans and leases to deposits | 19.2098% | 6,979 |
| Net loans and leases to core deposits | 19.5138% | 6,976 |
| Total domestic deposits to total assets | 89.3916% | 1,310 |
| Equity capital to assets | 9.7744% | 4,491 |
| Core capital (leverage) ratio | 9.1073% | 4,729 |
| Tier 1 risk-based capital ratio | 21.1595% | 1,424 |
| Total risk-based capital ratio | 21.6572% | 1,551 |
| Memoranda: | ||
| Average total assets | $23,246,800 | 6,903 |
| Average earning assets | $21,460,600 | 6,874 |
| Average equity | $2,217,600 | 6,924 |
| Average total loans | $3,394,800 | 7,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8184% | 7,116 |
| Cost of funding earning assets | 0.9782% | 1,691 |
| Net interest margin | 0.8402% | 7,151 |
| Noninterest income to average assets | 0.6591% | 2,937 |
| Noninterest expense to average assets | 2.9021% | 3,588 |
| Loan and lease loss provision to assets | -0.6937% | 7,160 |
| Net operating income to assets | -0.7747% | 6,800 |
| Return on assets (ROA) | -0.4336% | 6,705 |
| Pretax return on assets | -0.4336% | 6,675 |
| Return on Equity (ROE) | -4.5746% | 6,703 |
| Retained earnings to average equity (ytd only) | -4.5746% | 6,591 |
| Net charge-offs to loans | -0.3333% | 7,061 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.4194% | 35 |
| Assets per employee ($millions) | 5.8178% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0218% | 698 |
| Loan loss allowance to noncurrent loans | 19.8770% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 5.7368% | 724 |
| Noncurrent loans to loans | 15.2025% | 96 |
| Net loans and leases to total assets | 13.3772% | 7,095 |
| Net loans and leases to deposits | 15.1447% | 7,106 |
| Net loans and leases to core deposits | 15.3934% | 7,098 |
| Total domestic deposits to total assets | 88.3288% | 1,825 |
| Equity capital to assets | 10.1929% | 4,216 |
| Core capital (leverage) ratio | 9.1269% | 4,871 |
| Tier 1 risk-based capital ratio | 21.0173% | 1,521 |
| Total risk-based capital ratio | 21.9886% | 1,555 |
| Memoranda: | ||
| Average total assets | $23,063,250 | 7,002 |
| Average earning assets | $21,263,250 | 6,967 |
| Average equity | $2,186,000 | 7,020 |
| Average total loans | $3,201,250 | 7,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7490% | 7,194 |
| Cost of funding earning assets | 0.9927% | 1,807 |
| Net interest margin | 0.7563% | 7,218 |
| Noninterest income to average assets | 0.6002% | 3,261 |
| Noninterest expense to average assets | 2.9051% | 3,594 |
| Loan and lease loss provision to assets | -1.0438% | 7,229 |
| Net operating income to assets | -0.5654% | 6,764 |
| Return on assets (ROA) | -0.2174% | 6,624 |
| Pretax return on assets | -0.2174% | 6,596 |
| Return on Equity (ROE) | -2.3540% | 6,636 |
| Retained earnings to average equity (ytd only) | -2.3540% | 6,395 |
| Net charge-offs to loans | -0.5003% | 7,131 |
| Credit loss provision to net charge-offs | 1,500.0000% | 219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.1611% | 32 |
| Assets per employee ($millions) | 5.8948% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1422% | 682 |
| Loan loss allowance to noncurrent loans | 19.7959% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 5.6703% | 771 |
| Noncurrent loans to loans | 15.8730% | 87 |
| Net loans and leases to total assets | 12.6808% | 7,166 |
| Net loans and leases to deposits | 14.3722% | 7,173 |
| Net loans and leases to core deposits | 15.0865% | 7,164 |
| Total domestic deposits to total assets | 88.2311% | 2,003 |
| Equity capital to assets | 9.8096% | 4,609 |
| Core capital (leverage) ratio | 9.1779% | 4,643 |
| Tier 1 risk-based capital ratio | 22.9496% | 1,136 |
| Total risk-based capital ratio | 23.9855% | 1,151 |
| Memoranda: | ||
| Average total assets | $22,994,000 | 7,059 |
| Average earning assets | $21,154,670 | 7,026 |
| Average equity | $2,124,000 | 7,076 |
| Average total loans | $3,198,330 | 7,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6723% | 7,257 |
| Cost of funding earning assets | 1.0380% | 1,757 |
| Net interest margin | 0.6343% | 7,282 |
| Noninterest income to average assets | 0.8986% | 1,754 |
| Noninterest expense to average assets | 2.9954% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5153% | 7,093 |
| Return on assets (ROA) | -1.4977% | 7,096 |
| Pretax return on assets | -1.4977% | 7,076 |
| Return on Equity (ROE) | -16.7529% | 7,082 |
| Retained earnings to average equity (ytd only) | -16.7529% | 7,005 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.3810% | 40 |
| Assets per employee ($millions) | 5.6583% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9900% | 53 |
| Loan loss allowance to noncurrent loans | 21.0685% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 8.1253% | 461 |
| Noncurrent loans to loans | 33.1773% | 9 |
| Net loans and leases to total assets | 12.2874% | 7,228 |
| Net loans and leases to deposits | 14.0143% | 7,232 |
| Net loans and leases to core deposits | 14.7439% | 7,227 |
| Total domestic deposits to total assets | 87.6773% | 2,539 |
| Equity capital to assets | 9.7203% | 4,492 |
| Core capital (leverage) ratio | 9.2754% | 4,406 |
| Tier 1 risk-based capital ratio | 21.6589% | 1,346 |
| Total risk-based capital ratio | 22.9238% | 1,315 |
| Memoranda: | ||
| Average total assets | $22,701,500 | 7,126 |
| Average earning assets | $20,809,500 | 7,096 |
| Average equity | $2,029,500 | 7,145 |
| Average total loans | $3,254,000 | 7,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4100% | 7,267 |
| Cost of funding earning assets | 1.0980% | 2,689 |
| Net interest margin | 1.3120% | 7,301 |
| Noninterest income to average assets | 0.2449% | 5,787 |
| Noninterest expense to average assets | 2.6985% | 4,750 |
| Loan and lease loss provision to assets | 0.0380% | 6,098 |
| Net operating income to assets | -1.3007% | 6,858 |
| Return on assets (ROA) | -0.4139% | 6,478 |
| Pretax return on assets | -0.4139% | 6,430 |
| Return on Equity (ROE) | -5.2950% | 6,545 |
| Retained earnings to average equity (ytd only) | -5.2950% | 6,468 |
| Net charge-offs to loans | 0.2223% | 4,392 |
| Credit loss provision to net charge-offs | 112.5000% | 2,936 |
| Earnings coverage of net charge-offs (x) | -37.3750% | 6,424 |
| Efficiency ratio | 187.9412% | 69 |
| Assets per employee ($millions) | 5.6925% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9409% | 95 |
| Loan loss allowance to noncurrent loans | 41.8000% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 5.9157% | 834 |
| Noncurrent loans to loans | 14.2126% | 148 |
| Net loans and leases to total assets | 14.5323% | 7,266 |
| Net loans and leases to deposits | 16.7850% | 7,276 |
| Net loans and leases to core deposits | 17.5861% | 7,265 |
| Total domestic deposits to total assets | 86.5788% | 2,992 |
| Equity capital to assets | 8.1643% | 6,469 |
| Core capital (leverage) ratio | 8.2247% | 5,955 |
| Tier 1 risk-based capital ratio | 18.7175% | 1,985 |
| Total risk-based capital ratio | 19.9760% | 1,942 |
| Memoranda: | ||
| Average total assets | $23,679,800 | 7,134 |
| Average earning assets | $21,493,800 | 7,116 |
| Average equity | $1,850,800 | 7,232 |
| Average total loans | $3,598,400 | 7,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6331% | 7,330 |
| Cost of funding earning assets | 1.1074% | 2,930 |
| Net interest margin | 1.5257% | 7,362 |
| Noninterest income to average assets | 0.2398% | 5,909 |
| Noninterest expense to average assets | 2.7439% | 4,560 |
| Loan and lease loss provision to assets | 0.0502% | 5,819 |
| Net operating income to assets | -1.1712% | 6,944 |
| Return on assets (ROA) | -0.0112% | 6,276 |
| Pretax return on assets | -0.0112% | 6,244 |
| Return on Equity (ROE) | -0.1444% | 6,282 |
| Retained earnings to average equity (ytd only) | -0.1444% | 6,000 |
| Net charge-offs to loans | 0.3316% | 3,436 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | -22.3325% | 6,153 |
| Efficiency ratio | 169.0722% | 92 |
| Assets per employee ($millions) | 5.9465% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3222% | 73 |
| Loan loss allowance to noncurrent loans | 41.7671% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 5.6546% | 973 |
| Noncurrent loans to loans | 15.1368% | 134 |
| Net loans and leases to total assets | 12.9572% | 7,350 |
| Net loans and leases to deposits | 15.5272% | 7,356 |
| Net loans and leases to core deposits | 15.8466% | 7,349 |
| Total domestic deposits to total assets | 83.4482% | 4,505 |
| Equity capital to assets | 8.1813% | 6,575 |
| Core capital (leverage) ratio | 8.2738% | 6,015 |
| Tier 1 risk-based capital ratio | 21.0470% | 1,444 |
| Total risk-based capital ratio | 22.3077% | 1,422 |
| Memoranda: | ||
| Average total assets | $23,907,250 | 7,203 |
| Average earning assets | $21,672,000 | 7,186 |
| Average equity | $1,848,750 | 7,307 |
| Average total loans | $3,618,500 | 7,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 7,341 |
| Cost of funding earning assets | 1.1299% | 3,035 |
| Net interest margin | 1.8523% | 7,395 |
| Noninterest income to average assets | 0.1837% | 6,347 |
| Noninterest expense to average assets | 2.7811% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.9270% | 6,922 |
| Return on assets (ROA) | 0.6848% | 3,745 |
| Pretax return on assets | 0.6848% | 4,439 |
| Return on Equity (ROE) | 9.0292% | 2,502 |
| Retained earnings to average equity (ytd only) | 9.0292% | 1,100 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.0000% | 150 |
| Assets per employee ($millions) | 5.9465% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6924% | 125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.6630% | 1,027 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 14.4875% | 7,416 |
| Net loans and leases to deposits | 16.5427% | 7,426 |
| Net loans and leases to core deposits | 16.8698% | 7,423 |
| Total domestic deposits to total assets | 87.5767% | 2,427 |
| Equity capital to assets | 8.3537% | 6,358 |
| Core capital (leverage) ratio | 8.6111% | 5,381 |
| Tier 1 risk-based capital ratio | 21.4003% | 1,346 |
| Total risk-based capital ratio | 22.6610% | 1,323 |
| Memoranda: | ||
| Average total assets | $23,947,670 | 7,267 |
| Average earning assets | $21,595,000 | 7,256 |
| Average equity | $1,816,330 | 7,382 |
| Average total loans | $3,728,000 | 7,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1107% | 7,370 |
| Cost of funding earning assets | 1.1412% | 3,221 |
| Net interest margin | 1.9695% | 7,414 |
| Noninterest income to average assets | 0.0999% | 6,916 |
| Noninterest expense to average assets | 2.7301% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8490% | 6,981 |
| Return on assets (ROA) | -0.3662% | 6,725 |
| Pretax return on assets | -0.3662% | 6,665 |
| Return on Equity (ROE) | -5.0838% | 6,812 |
| Retained earnings to average equity (ytd only) | -5.0838% | 6,522 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.1327% | 189 |
| Assets per employee ($millions) | 4.7864% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1411% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.6284% | 1,058 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 13.2835% | 7,483 |
| Net loans and leases to deposits | 15.2185% | 7,494 |
| Net loans and leases to core deposits | 15.5179% | 7,483 |
| Total domestic deposits to total assets | 87.2848% | 2,774 |
| Equity capital to assets | 8.1857% | 6,300 |
| Core capital (leverage) ratio | 8.1512% | 6,051 |
| Tier 1 risk-based capital ratio | 17.9294% | 2,135 |
| Total risk-based capital ratio | 19.1890% | 2,103 |
| Memoranda: | ||
| Average total assets | $24,028,500 | 7,315 |
| Average earning assets | $21,731,500 | 7,303 |
| Average equity | $1,731,000 | 7,443 |
| Average total loans | $3,765,000 | 7,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 7,476 |
| Cost of funding earning assets | 1.3457% | 3,604 |
| Net interest margin | 1.7678% | 7,508 |
| Noninterest income to average assets | -0.2921% | 7,507 |
| Noninterest expense to average assets | 2.6071% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.2573% | 6,810 |
| Return on assets (ROA) | -0.9282% | 6,673 |
| Pretax return on assets | -0.9282% | 6,588 |
| Return on Equity (ROE) | -14.3972% | 6,899 |
| Retained earnings to average equity (ytd only) | -14.3972% | 6,859 |
| Net charge-offs to loans | -0.3043% | 7,571 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.1507% | 99 |
| Assets per employee ($millions) | 4.8250% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0205% | 187 |
| Loan loss allowance to noncurrent loans | 41.6000% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 5.6870% | 1,075 |
| Noncurrent loans to loans | 12.0685% | 288 |
| Net loans and leases to total assets | 16.3109% | 7,550 |
| Net loans and leases to deposits | 19.2902% | 7,561 |
| Net loans and leases to core deposits | 19.6770% | 7,552 |
| Total domestic deposits to total assets | 84.5554% | 4,079 |
| Equity capital to assets | 6.2301% | 7,307 |
| Core capital (leverage) ratio | 5.8750% | 7,317 |
| Tier 1 risk-based capital ratio | 12.6331% | 4,913 |
| Total risk-based capital ratio | 13.8946% | 4,885 |
| Memoranda: | ||
| Average total assets | $27,041,800 | 7,290 |
| Average earning assets | $25,116,400 | 7,252 |
| Average equity | $1,743,400 | 7,549 |
| Average total loans | $4,601,400 | 7,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 7,619 |
| Cost of funding earning assets | 1.3959% | 3,612 |
| Net interest margin | 1.6740% | 7,643 |
| Noninterest income to average assets | -0.3985% | 7,656 |
| Noninterest expense to average assets | 2.4678% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.3059% | 7,035 |
| Return on assets (ROA) | -0.8786% | 6,872 |
| Pretax return on assets | -0.8786% | 6,787 |
| Return on Equity (ROE) | -13.5287% | 7,056 |
| Retained earnings to average equity (ytd only) | -13.5287% | 7,023 |
| Net charge-offs to loans | -0.3959% | 7,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.3967% | 69 |
| Assets per employee ($millions) | 4.9314% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0831% | 162 |
| Loan loss allowance to noncurrent loans | 41.6000% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 5.5643% | 1,103 |
| Noncurrent loans to loans | 12.2190% | 275 |
| Net loans and leases to total assets | 15.7521% | 7,658 |
| Net loans and leases to deposits | 18.0416% | 7,673 |
| Net loans and leases to core deposits | 18.6122% | 7,661 |
| Total domestic deposits to total assets | 87.3099% | 2,366 |
| Equity capital to assets | 7.2028% | 7,262 |
| Core capital (leverage) ratio | 6.0753% | 7,423 |
| Tier 1 risk-based capital ratio | 12.6930% | 4,821 |
| Total risk-based capital ratio | 13.9537% | 4,793 |
| Memoranda: | ||
| Average total assets | $27,771,000 | 7,363 |
| Average earning assets | $25,885,250 | 7,323 |
| Average equity | $1,803,500 | 7,640 |
| Average total loans | $4,716,000 | 7,660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0075% | 7,710 |
| Cost of funding earning assets | 1.4593% | 3,501 |
| Net interest margin | 1.5482% | 7,735 |
| Noninterest income to average assets | -1.5134% | 7,811 |
| Noninterest expense to average assets | 2.3951% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.4576% | 7,406 |
| Return on assets (ROA) | -1.8397% | 7,271 |
| Pretax return on assets | -1.8397% | 7,184 |
| Return on Equity (ROE) | -29.2386% | 7,424 |
| Retained earnings to average equity (ytd only) | -29.2386% | 7,410 |
| Net charge-offs to loans | -0.5686% | 7,741 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -3,833.3333% | 7,829 |
| Assets per employee ($millions) | 5.1178% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5139% | 252 |
| Loan loss allowance to noncurrent loans | 20.8000% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 4.8693% | 1,335 |
| Noncurrent loans to loans | 21.7014% | 59 |
| Net loans and leases to total assets | 17.1949% | 7,715 |
| Net loans and leases to deposits | 19.5408% | 7,733 |
| Net loans and leases to core deposits | 19.7682% | 7,729 |
| Total domestic deposits to total assets | 87.9948% | 2,008 |
| Equity capital to assets | 6.2644% | 7,504 |
| Core capital (leverage) ratio | 5.5037% | 7,553 |
| Tier 1 risk-based capital ratio | 13.0451% | 4,403 |
| Total risk-based capital ratio | 14.3057% | 4,347 |
| Memoranda: | ||
| Average total assets | $28,809,000 | 7,393 |
| Average earning assets | $26,999,330 | 7,335 |
| Average equity | $1,812,670 | 7,700 |
| Average total loans | $4,924,000 | 7,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6159% | 7,845 |
| Cost of funding earning assets | 1.6174% | 2,853 |
| Net interest margin | 0.9985% | 7,878 |
| Noninterest income to average assets | 0.1709% | 6,748 |
| Noninterest expense to average assets | 2.2354% | 6,594 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1309% | 7,182 |
| Return on assets (ROA) | -1.1309% | 7,199 |
| Pretax return on assets | -1.1309% | 7,112 |
| Return on Equity (ROE) | -17.9400% | 7,392 |
| Retained earnings to average equity (ytd only) | -17.9400% | 7,309 |
| Net charge-offs to loans | -1.1019% | 7,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.3810% | 94 |
| Assets per employee ($millions) | 5.9368% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4905% | 255 |
| Loan loss allowance to noncurrent loans | 41.6000% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 3.3419% | 2,126 |
| Noncurrent loans to loans | 10.7945% | 370 |
| Net loans and leases to total assets | 14.9037% | 7,834 |
| Net loans and leases to deposits | 16.8861% | 7,849 |
| Net loans and leases to core deposits | 16.8861% | 7,840 |
| Total domestic deposits to total assets | 88.2597% | 1,920 |
| Equity capital to assets | 6.3839% | 7,551 |
| Core capital (leverage) ratio | 5.3669% | 7,668 |
| Tier 1 risk-based capital ratio | 15.1757% | 3,024 |
| Total risk-based capital ratio | 16.4372% | 2,982 |
| Memoranda: | ||
| Average total assets | $30,419,000 | 7,425 |
| Average earning assets | $28,441,500 | 7,375 |
| Average equity | $1,917,500 | 7,761 |
| Average total loans | $5,082,000 | 7,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 7,844 |
| Cost of funding earning assets | 2.5310% | 944 |
| Net interest margin | 0.8856% | 7,940 |
| Noninterest income to average assets | 0.1951% | 6,704 |
| Noninterest expense to average assets | 2.6132% | 5,749 |
| Loan and lease loss provision to assets | 0.2834% | 5,155 |
| Net operating income to assets | -1.8734% | 7,035 |
| Return on assets (ROA) | -1.8550% | 7,033 |
| Pretax return on assets | -1.8550% | 6,883 |
| Return on Equity (ROE) | -23.8140% | 7,259 |
| Retained earnings to average equity (ytd only) | -23.8140% | 7,233 |
| Net charge-offs to loans | 0.1855% | 5,498 |
| Credit loss provision to net charge-offs | 550.0000% | 548 |
| Earnings coverage of net charge-offs (x) | -30.8571% | 7,203 |
| Efficiency ratio | 255.3957% | 81 |
| Assets per employee ($millions) | 6.2308% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5069% | 523 |
| Loan loss allowance to noncurrent loans | 19.6755% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 4.7442% | 1,333 |
| Noncurrent loans to loans | 17.8236% | 105 |
| Net loans and leases to total assets | 17.1342% | 7,894 |
| Net loans and leases to deposits | 19.4144% | 7,915 |
| Net loans and leases to core deposits | 21.7931% | 7,913 |
| Total domestic deposits to total assets | 88.2551% | 1,855 |
| Equity capital to assets | 6.2271% | 7,620 |
| Core capital (leverage) ratio | 5.3828% | 7,728 |
| Tier 1 risk-based capital ratio | 14.1894% | 3,387 |
| Total risk-based capital ratio | 15.4444% | 3,340 |
| Memoranda: | ||
| Average total assets | $27,169,600 | 7,577 |
| Average earning assets | $25,405,400 | 7,530 |
| Average equity | $2,116,400 | 7,821 |
| Average total loans | $7,549,200 | 7,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 7,889 |
| Cost of funding earning assets | 2.6391% | 932 |
| Net interest margin | 1.0764% | 8,013 |
| Noninterest income to average assets | 0.2547% | 6,411 |
| Noninterest expense to average assets | 2.6133% | 5,669 |
| Loan and lease loss provision to assets | 0.3922% | 3,965 |
| Net operating income to assets | -1.7473% | 7,213 |
| Return on assets (ROA) | -1.7218% | 7,201 |
| Pretax return on assets | -1.7218% | 7,054 |
| Return on Equity (ROE) | -20.8591% | 7,405 |
| Retained earnings to average equity (ytd only) | -20.8591% | 7,375 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 207.6923% | 136 |
| Assets per employee ($millions) | 5.8688% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7521% | 829 |
| Loan loss allowance to noncurrent loans | 10.4000% | 7,443 |
| Noncurrent assets plus other real estate owned to assets | 6.8157% | 715 |
| Noncurrent loans to loans | 26.4620% | 25 |
| Net loans and leases to total assets | 25.0477% | 7,884 |
| Net loans and leases to deposits | 29.0101% | 7,922 |
| Net loans and leases to core deposits | 34.5216% | 7,912 |
| Total domestic deposits to total assets | 86.3413% | 2,517 |
| Equity capital to assets | 7.2860% | 7,434 |
| Core capital (leverage) ratio | 6.2961% | 7,734 |
| Tier 1 risk-based capital ratio | 13.4018% | 3,921 |
| Total risk-based capital ratio | 14.6554% | 3,854 |
| Memoranda: | ||
| Average total assets | $26,173,500 | 7,672 |
| Average earning assets | $24,401,500 | 7,632 |
| Average equity | $2,160,500 | 7,888 |
| Average total loans | $8,053,500 | 7,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 7,790 |
| Cost of funding earning assets | 2.7526% | 901 |
| Net interest margin | 1.5235% | 8,009 |
| Noninterest income to average assets | 0.2389% | 6,569 |
| Noninterest expense to average assets | 2.6198% | 5,661 |
| Loan and lease loss provision to assets | 0.6131% | 2,601 |
| Net operating income to assets | -1.5926% | 7,290 |
| Return on assets (ROA) | -1.5528% | 7,275 |
| Pretax return on assets | -1.5528% | 7,112 |
| Return on Equity (ROE) | -17.9889% | 7,454 |
| Retained earnings to average equity (ytd only) | -17.9889% | 7,393 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.7087% | 328 |
| Assets per employee ($millions) | 5.4390% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6571% | 778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.0199% | 7,931 |
| Net loans and leases to deposits | 32.9499% | 7,955 |
| Net loans and leases to core deposits | 37.9955% | 7,954 |
| Total domestic deposits to total assets | 85.0377% | 3,245 |
| Equity capital to assets | 7.5933% | 7,182 |
| Core capital (leverage) ratio | 7.2762% | 7,272 |
| Tier 1 risk-based capital ratio | 14.3543% | 3,327 |
| Total risk-based capital ratio | 15.6063% | 3,263 |
| Memoranda: | ||
| Average total assets | $25,116,670 | 7,784 |
| Average earning assets | $23,105,330 | 7,763 |
| Average equity | $2,168,000 | 7,969 |
| Average total loans | $8,218,670 | 7,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 7,540 |
| Cost of funding earning assets | 2.9086% | 752 |
| Net interest margin | 1.7672% | 7,981 |
| Noninterest income to average assets | 0.1827% | 6,988 |
| Noninterest expense to average assets | 2.6747% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8971% | 7,190 |
| Return on assets (ROA) | -0.8140% | 7,168 |
| Pretax return on assets | -0.8140% | 7,047 |
| Return on Equity (ROE) | -8.8308% | 7,291 |
| Retained earnings to average equity (ytd only) | -8.8308% | 7,002 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.4673% | 350 |
| Assets per employee ($millions) | 4.8968% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5927% | 2,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 33.0583% | 7,831 |
| Net loans and leases to deposits | 40.1867% | 7,836 |
| Net loans and leases to core deposits | 45.3979% | 7,880 |
| Total domestic deposits to total assets | 82.2619% | 4,448 |
| Equity capital to assets | 9.0998% | 5,229 |
| Core capital (leverage) ratio | 8.6896% | 5,172 |
| Tier 1 risk-based capital ratio | 16.3603% | 2,567 |
| Total risk-based capital ratio | 17.3722% | 2,587 |
| Memoranda: | ||
| Average total assets | $24,077,500 | 7,864 |
| Average earning assets | $21,729,000 | 7,851 |
| Average equity | $2,219,500 | 8,007 |
| Average total loans | $8,414,000 | 7,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 7,750 |
| Cost of funding earning assets | 3.0586% | 1,646 |
| Net interest margin | 2.0622% | 8,033 |
| Noninterest income to average assets | 0.1934% | 7,074 |
| Noninterest expense to average assets | 2.7393% | 5,094 |
| Loan and lease loss provision to assets | 0.2417% | 4,491 |
| Net operating income to assets | -0.8701% | 7,170 |
| Return on assets (ROA) | -0.8580% | 7,081 |
| Pretax return on assets | -0.8580% | 6,915 |
| Return on Equity (ROE) | -9.6590% | 7,255 |
| Retained earnings to average equity (ytd only) | -9.6590% | 7,044 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7710% | 467 |
| Assets per employee ($millions) | 4.7342% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 2,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.7906% | 7,840 |
| Net loans and leases to deposits | 44.0699% | 7,846 |
| Net loans and leases to core deposits | 49.7592% | 7,894 |
| Total domestic deposits to total assets | 81.2133% | 4,551 |
| Equity capital to assets | 9.3405% | 4,882 |
| Core capital (leverage) ratio | 9.1679% | 4,492 |
| Tier 1 risk-based capital ratio | 17.5513% | 2,167 |
| Total risk-based capital ratio | 18.6128% | 2,170 |
| Memoranda: | ||
| Average total assets | $24,823,800 | 7,846 |
| Average earning assets | $23,082,400 | 7,820 |
| Average equity | $2,205,200 | 8,073 |
| Average total loans | $8,428,600 | 8,013 |