Home > Spirit Bank > Performance and Condition Ratios
Spirit Bank, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 5,205 |
| Cost of funding earning assets | 1.2383% | 1,796 |
| Net interest margin | 3.2257% | 6,025 |
| Noninterest income to average assets | 0.6418% | 2,936 |
| Noninterest expense to average assets | 3.1028% | 3,185 |
| Loan and lease loss provision to assets | 0.0827% | 5,580 |
| Net operating income to assets | 0.3494% | 5,069 |
| Return on assets (ROA) | 0.4686% | 4,751 |
| Pretax return on assets | 0.5237% | 4,923 |
| Return on Equity (ROE) | 5.1368% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.1368% | 2,543 |
| Net charge-offs to loans | 0.0259% | 6,076 |
| Credit loss provision to net charge-offs | 700.0000% | 313 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 679 |
| Efficiency ratio | 86.7841% | 1,465 |
| Assets per employee ($millions) | 4.3445% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 6,253 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.6248% | 6,564 |
| Net loans and leases to deposits | 45.4122% | 6,652 |
| Net loans and leases to core deposits | 50.4987% | 6,505 |
| Total domestic deposits to total assets | 87.2559% | 2,607 |
| Equity capital to assets | 9.3030% | 5,146 |
| Core capital (leverage) ratio | 8.9903% | 4,806 |
| Tier 1 risk-based capital ratio | 17.6041% | 2,346 |
| Total risk-based capital ratio | 18.6322% | 2,397 |
| Memoranda: | ||
| Average total assets | $25,396,200 | 7,091 |
| Average earning assets | $23,095,600 | 7,076 |
| Average equity | $2,316,600 | 7,164 |
| Average total loans | $11,586,800 | 7,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 4,810 |
| Cost of funding earning assets | 1.3077% | 1,656 |
| Net interest margin | 3.3071% | 5,838 |
| Noninterest income to average assets | 0.6395% | 2,942 |
| Noninterest expense to average assets | 3.1815% | 2,877 |
| Loan and lease loss provision to assets | 0.1110% | 5,046 |
| Net operating income to assets | 0.3699% | 5,130 |
| Return on assets (ROA) | 0.3541% | 5,372 |
| Pretax return on assets | 0.3382% | 5,628 |
| Return on Equity (ROE) | 3.9017% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.9017% | 3,945 |
| Net charge-offs to loans | 0.0337% | 5,679 |
| Credit loss provision to net charge-offs | 700.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 29.3325% | 949 |
| Efficiency ratio | 87.2464% | 1,414 |
| Assets per employee ($millions) | 4.2633% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 5,506 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 40.5004% | 6,596 |
| Net loans and leases to deposits | 46.6562% | 6,707 |
| Net loans and leases to core deposits | 52.0237% | 6,565 |
| Total domestic deposits to total assets | 86.8061% | 2,769 |
| Equity capital to assets | 9.4332% | 5,194 |
| Core capital (leverage) ratio | 8.9862% | 4,958 |
| Tier 1 risk-based capital ratio | 17.5110% | 2,440 |
| Total risk-based capital ratio | 18.5576% | 2,483 |
| Memoranda: | ||
| Average total assets | $25,228,500 | 7,169 |
| Average earning assets | $22,940,250 | 7,151 |
| Average equity | $2,289,500 | 7,240 |
| Average total loans | $11,866,750 | 7,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 4,214 |
| Cost of funding earning assets | 1.3301% | 1,758 |
| Net interest margin | 3.4390% | 5,409 |
| Noninterest income to average assets | 0.6292% | 2,954 |
| Noninterest expense to average assets | 3.2017% | 2,891 |
| Loan and lease loss provision to assets | 0.2947% | 3,046 |
| Net operating income to assets | 0.3186% | 5,294 |
| Return on assets (ROA) | 0.2947% | 5,529 |
| Pretax return on assets | 0.2389% | 5,836 |
| Return on Equity (ROE) | 3.2913% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.2913% | 4,164 |
| Net charge-offs to loans | 0.0649% | 4,988 |
| Credit loss provision to net charge-offs | 925.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,295 |
| Efficiency ratio | 85.1695% | 1,686 |
| Assets per employee ($millions) | 4.2657% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 5,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,434 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.0459% | 6,266 |
| Net loans and leases to deposits | 52.7931% | 6,413 |
| Net loans and leases to core deposits | 58.8309% | 6,206 |
| Total domestic deposits to total assets | 87.2197% | 2,613 |
| Equity capital to assets | 9.1115% | 5,415 |
| Core capital (leverage) ratio | 8.8356% | 4,990 |
| Tier 1 risk-based capital ratio | 14.7587% | 3,641 |
| Total risk-based capital ratio | 15.7564% | 3,758 |
| Memoranda: | ||
| Average total assets | $25,111,330 | 7,234 |
| Average earning assets | $22,855,330 | 7,219 |
| Average equity | $2,248,330 | 7,307 |
| Average total loans | $12,323,000 | 7,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,384 |
| Cost of funding earning assets | 1.3632% | 1,815 |
| Net interest margin | 3.3638% | 5,567 |
| Noninterest income to average assets | 0.5629% | 3,416 |
| Noninterest expense to average assets | 3.1202% | 3,179 |
| Loan and lease loss provision to assets | 0.5951% | 1,449 |
| Net operating income to assets | 0.0643% | 6,198 |
| Return on assets (ROA) | 0.0643% | 6,242 |
| Pretax return on assets | -0.0965% | 6,443 |
| Return on Equity (ROE) | 0.7251% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.7251% | 5,533 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2222% | 1,690 |
| Assets per employee ($millions) | 4.2812% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 5,223 |
| Loan loss allowance to noncurrent loans | 3,140.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 5,051 |
| Noncurrent loans to loans | 0.0408% | 6,945 |
| Net loans and leases to total assets | 47.0900% | 6,180 |
| Net loans and leases to deposits | 53.7170% | 6,318 |
| Net loans and leases to core deposits | 59.8013% | 6,107 |
| Total domestic deposits to total assets | 87.6630% | 2,574 |
| Equity capital to assets | 8.6581% | 5,705 |
| Core capital (leverage) ratio | 9.0164% | 4,587 |
| Tier 1 risk-based capital ratio | 15.5596% | 3,133 |
| Total risk-based capital ratio | 16.6482% | 3,172 |
| Memoranda: | ||
| Average total assets | $24,870,000 | 7,292 |
| Average earning assets | $22,593,500 | 7,275 |
| Average equity | $2,206,500 | 7,369 |
| Average total loans | $12,515,000 | 7,199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 3,340 |
| Cost of funding earning assets | 1.5974% | 2,087 |
| Net interest margin | 3.6566% | 4,543 |
| Noninterest income to average assets | 0.7180% | 2,730 |
| Noninterest expense to average assets | 3.4339% | 2,343 |
| Loan and lease loss provision to assets | 0.4182% | 3,600 |
| Net operating income to assets | 0.2386% | 5,142 |
| Return on assets (ROA) | 0.0169% | 5,917 |
| Pretax return on assets | -0.2703% | 6,139 |
| Return on Equity (ROE) | 0.1812% | 5,909 |
| Retained earnings to average equity (ytd only) | 0.1812% | 5,485 |
| Net charge-offs to loans | 1.0333% | 2,133 |
| Credit loss provision to net charge-offs | 77.3438% | 5,653 |
| Earnings coverage of net charge-offs (x) | 0.9141% | 5,197 |
| Efficiency ratio | 87.4194% | 1,528 |
| Assets per employee ($millions) | 4.0088% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 4,879 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.6213% | 5,834 |
| Net loans and leases to deposits | 60.5193% | 5,995 |
| Net loans and leases to core deposits | 69.0922% | 5,540 |
| Total domestic deposits to total assets | 86.9497% | 2,851 |
| Equity capital to assets | 9.1007% | 4,991 |
| Core capital (leverage) ratio | 9.1894% | 4,190 |
| Tier 1 risk-based capital ratio | 14.6876% | 3,429 |
| Total risk-based capital ratio | 15.4744% | 3,680 |
| Memoranda: | ||
| Average total assets | $23,675,400 | 7,380 |
| Average earning assets | $20,784,400 | 7,383 |
| Average equity | $2,208,000 | 7,465 |
| Average total loans | $12,387,000 | 7,281 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 3,182 |
| Cost of funding earning assets | 1.6442% | 2,138 |
| Net interest margin | 3.6914% | 4,449 |
| Noninterest income to average assets | 0.7294% | 2,644 |
| Noninterest expense to average assets | 3.4264% | 2,217 |
| Loan and lease loss provision to assets | 0.5598% | 2,709 |
| Net operating income to assets | 0.0857% | 5,807 |
| Return on assets (ROA) | -0.0735% | 6,247 |
| Pretax return on assets | -0.2940% | 6,406 |
| Return on Equity (ROE) | -0.7832% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.7832% | 5,981 |
| Net charge-offs to loans | 1.3236% | 1,537 |
| Credit loss provision to net charge-offs | 81.1475% | 5,097 |
| Earnings coverage of net charge-offs (x) | 0.7459% | 5,319 |
| Efficiency ratio | 86.9440% | 1,539 |
| Assets per employee ($millions) | 4.0075% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,262 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 4,771 |
| Noncurrent loans to loans | 0.0655% | 7,074 |
| Net loans and leases to total assets | 50.2890% | 6,292 |
| Net loans and leases to deposits | 58.0927% | 6,454 |
| Net loans and leases to core deposits | 65.2599% | 6,185 |
| Total domestic deposits to total assets | 86.5669% | 2,777 |
| Equity capital to assets | 9.3117% | 5,120 |
| Core capital (leverage) ratio | 9.3963% | 4,059 |
| Tier 1 risk-based capital ratio | 15.1604% | 3,176 |
| Total risk-based capital ratio | 16.0205% | 3,342 |
| Memoranda: | ||
| Average total assets | $23,581,000 | 7,478 |
| Average earning assets | $20,515,250 | 7,483 |
| Average equity | $2,212,750 | 7,563 |
| Average total loans | $12,289,500 | 7,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 3,259 |
| Cost of funding earning assets | 1.6764% | 2,254 |
| Net interest margin | 3.6647% | 4,522 |
| Noninterest income to average assets | 0.7342% | 2,490 |
| Noninterest expense to average assets | 3.4320% | 2,189 |
| Loan and lease loss provision to assets | 0.7342% | 1,977 |
| Net operating income to assets | -0.0925% | 6,218 |
| Return on assets (ROA) | -0.1964% | 6,403 |
| Pretax return on assets | -0.3842% | 6,501 |
| Return on Equity (ROE) | -2.0871% | 6,428 |
| Retained earnings to average equity (ytd only) | -2.0871% | 6,158 |
| Net charge-offs to loans | 1.8192% | 1,022 |
| Credit loss provision to net charge-offs | 76.7857% | 4,798 |
| Earnings coverage of net charge-offs (x) | 0.5357% | 5,199 |
| Efficiency ratio | 87.0130% | 1,602 |
| Assets per employee ($millions) | 3.8592% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 6,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 5,241 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.5074% | 6,379 |
| Net loans and leases to deposits | 58.7275% | 6,517 |
| Net loans and leases to core deposits | 66.3433% | 6,215 |
| Total domestic deposits to total assets | 86.0030% | 3,087 |
| Equity capital to assets | 9.6048% | 4,540 |
| Core capital (leverage) ratio | 9.3095% | 4,101 |
| Tier 1 risk-based capital ratio | 14.7587% | 3,286 |
| Total risk-based capital ratio | 15.5797% | 3,495 |
| Memoranda: | ||
| Average total assets | $23,426,330 | 7,546 |
| Average earning assets | $20,520,330 | 7,543 |
| Average equity | $2,204,000 | 7,626 |
| Average total loans | $12,313,330 | 7,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 3,375 |
| Cost of funding earning assets | 1.6874% | 2,451 |
| Net interest margin | 3.6463% | 4,510 |
| Noninterest income to average assets | 0.7300% | 2,405 |
| Noninterest expense to average assets | 3.6160% | 1,697 |
| Loan and lease loss provision to assets | 0.2716% | 3,852 |
| Net operating income to assets | 0.1324% | 5,915 |
| Return on assets (ROA) | -0.0849% | 6,497 |
| Pretax return on assets | -0.3056% | 6,643 |
| Return on Equity (ROE) | -0.9116% | 6,514 |
| Retained earnings to average equity (ytd only) | -0.9116% | 6,028 |
| Net charge-offs to loans | 1.2738% | 1,340 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 0.4500% | 4,621 |
| Efficiency ratio | 92.2078% | 1,263 |
| Assets per employee ($millions) | 3.9360% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 6,270 |
| Loan loss allowance to noncurrent loans | 520.8333% | 615 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 5,004 |
| Noncurrent loans to loans | 0.2001% | 6,941 |
| Net loans and leases to total assets | 50.2498% | 6,440 |
| Net loans and leases to deposits | 58.1231% | 6,616 |
| Net loans and leases to core deposits | 65.4514% | 6,330 |
| Total domestic deposits to total assets | 86.4541% | 2,919 |
| Equity capital to assets | 9.2776% | 4,866 |
| Core capital (leverage) ratio | 9.2503% | 4,139 |
| Tier 1 risk-based capital ratio | 14.9966% | 3,119 |
| Total risk-based capital ratio | 15.8384% | 3,289 |
| Memoranda: | ||
| Average total assets | $23,562,000 | 7,634 |
| Average earning assets | $20,623,500 | 7,632 |
| Average equity | $2,194,000 | 7,714 |
| Average total loans | $12,561,000 | 7,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7838% | 2,727 |
| Cost of funding earning assets | 2.0019% | 2,957 |
| Net interest margin | 3.7819% | 3,786 |
| Noninterest income to average assets | 0.7255% | 2,816 |
| Noninterest expense to average assets | 3.6661% | 1,989 |
| Loan and lease loss provision to assets | 0.1288% | 6,351 |
| Net operating income to assets | 0.1770% | 4,973 |
| Return on assets (ROA) | -0.7598% | 6,406 |
| Pretax return on assets | -1.2407% | 6,565 |
| Return on Equity (ROE) | -8.0098% | 6,468 |
| Retained earnings to average equity (ytd only) | -8.0098% | 6,349 |
| Net charge-offs to loans | 1.1304% | 2,165 |
| Credit loss provision to net charge-offs | 20.9790% | 6,936 |
| Earnings coverage of net charge-offs (x) | 0.5734% | 5,533 |
| Efficiency ratio | 91.2393% | 1,619 |
| Assets per employee ($millions) | 3.3583% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 5,723 |
| Loan loss allowance to noncurrent loans | 96.1290% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 4,130 |
| Noncurrent loans to loans | 1.1805% | 4,968 |
| Net loans and leases to total assets | 55.2195% | 6,056 |
| Net loans and leases to deposits | 63.9805% | 6,264 |
| Net loans and leases to core deposits | 89.4748% | 5,183 |
| Total domestic deposits to total assets | 86.3068% | 2,867 |
| Equity capital to assets | 9.3458% | 4,637 |
| Core capital (leverage) ratio | 9.4363% | 3,793 |
| Tier 1 risk-based capital ratio | 13.8403% | 3,605 |
| Total risk-based capital ratio | 14.7639% | 3,756 |
| Memoranda: | ||
| Average total assets | $23,294,200 | 7,690 |
| Average earning assets | $20,280,800 | 7,704 |
| Average equity | $2,209,800 | 7,800 |
| Average total loans | $12,650,600 | 7,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 2,944 |
| Cost of funding earning assets | 2.0454% | 3,138 |
| Net interest margin | 3.7423% | 3,898 |
| Noninterest income to average assets | 0.7114% | 2,943 |
| Noninterest expense to average assets | 3.6888% | 1,846 |
| Loan and lease loss provision to assets | 0.0574% | 6,790 |
| Net operating income to assets | 0.2084% | 5,119 |
| Return on assets (ROA) | -0.8261% | 6,707 |
| Pretax return on assets | -0.8950% | 6,607 |
| Return on Equity (ROE) | -8.6760% | 6,785 |
| Retained earnings to average equity (ytd only) | -8.6760% | 6,674 |
| Net charge-offs to loans | 1.2130% | 1,681 |
| Credit loss provision to net charge-offs | 8.7719% | 6,624 |
| Earnings coverage of net charge-offs (x) | 0.4386% | 5,592 |
| Efficiency ratio | 92.7850% | 1,478 |
| Assets per employee ($millions) | 3.8777% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.9873% | 6,144 |
| Net loans and leases to deposits | 65.2965% | 6,372 |
| Net loans and leases to core deposits | 89.8283% | 5,451 |
| Total domestic deposits to total assets | 85.7431% | 2,836 |
| Equity capital to assets | 9.5461% | 4,682 |
| Core capital (leverage) ratio | 9.4333% | 4,001 |
| Tier 1 risk-based capital ratio | 14.2713% | 3,400 |
| Total risk-based capital ratio | 15.2673% | 3,493 |
| Memoranda: | ||
| Average total assets | $23,240,750 | 7,760 |
| Average earning assets | $20,272,500 | 7,776 |
| Average equity | $2,213,000 | 7,881 |
| Average total loans | $12,530,750 | 7,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 3,253 |
| Cost of funding earning assets | 2.0979% | 3,276 |
| Net interest margin | 3.6614% | 4,111 |
| Noninterest income to average assets | 0.7059% | 2,954 |
| Noninterest expense to average assets | 3.7276% | 1,782 |
| Loan and lease loss provision to assets | 0.0861% | 6,311 |
| Net operating income to assets | 0.0653% | 5,662 |
| Return on assets (ROA) | -1.1019% | 7,054 |
| Pretax return on assets | -1.2052% | 6,943 |
| Return on Equity (ROE) | -11.5820% | 7,145 |
| Retained earnings to average equity (ytd only) | -11.5820% | 7,019 |
| Net charge-offs to loans | 1.8842% | 999 |
| Credit loss provision to net charge-offs | 8.6207% | 6,200 |
| Earnings coverage of net charge-offs (x) | 0.1638% | 5,507 |
| Efficiency ratio | 95.7965% | 1,392 |
| Assets per employee ($millions) | 3.3421% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,691 |
| 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 | 53.2293% | 6,543 |
| Net loans and leases to deposits | 61.7341% | 6,750 |
| Net loans and leases to core deposits | 84.8644% | 6,022 |
| Total domestic deposits to total assets | 86.2236% | 2,660 |
| Equity capital to assets | 9.1216% | 5,136 |
| Core capital (leverage) ratio | 9.4885% | 3,903 |
| Tier 1 risk-based capital ratio | 13.9450% | 3,551 |
| Total risk-based capital ratio | 14.8991% | 3,654 |
| Memoranda: | ||
| Average total assets | $23,232,330 | 7,843 |
| Average earning assets | $20,210,670 | 7,851 |
| Average equity | $2,210,330 | 7,959 |
| Average total loans | $12,313,000 | 7,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 3,957 |
| Cost of funding earning assets | 2.0931% | 3,689 |
| Net interest margin | 3.5741% | 4,434 |
| Noninterest income to average assets | 0.6738% | 3,043 |
| Noninterest expense to average assets | 3.5765% | 1,914 |
| Loan and lease loss provision to assets | 0.1382% | 5,199 |
| Net operating income to assets | 0.1728% | 5,744 |
| Return on assets (ROA) | 0.1728% | 5,911 |
| Pretax return on assets | 0.0864% | 6,195 |
| Return on Equity (ROE) | 1.7790% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.7790% | 4,859 |
| Net charge-offs to loans | 4.4390% | 254 |
| Credit loss provision to net charge-offs | 5.9259% | 5,223 |
| Earnings coverage of net charge-offs (x) | 0.0963% | 4,906 |
| Efficiency ratio | 94.0909% | 1,426 |
| Assets per employee ($millions) | 3.3836% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,405 |
| Loan loss allowance to noncurrent loans | 201.4925% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,665 |
| Noncurrent loans to loans | 0.5503% | 6,039 |
| Net loans and leases to total assets | 50.8381% | 6,778 |
| Net loans and leases to deposits | 62.1182% | 6,728 |
| Net loans and leases to core deposits | 84.2971% | 6,044 |
| Total domestic deposits to total assets | 81.8408% | 4,618 |
| Equity capital to assets | 9.4532% | 4,739 |
| Core capital (leverage) ratio | 9.8601% | 3,573 |
| Tier 1 risk-based capital ratio | 14.4533% | 3,333 |
| Total risk-based capital ratio | 15.3050% | 3,478 |
| Memoranda: | ||
| Average total assets | $23,151,000 | 7,895 |
| Average earning assets | $20,257,000 | 7,899 |
| Average equity | $2,248,500 | 7,992 |
| Average total loans | $12,165,000 | 7,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4760% | 3,083 |
| Cost of funding earning assets | 2.8071% | 2,676 |
| Net interest margin | 3.6689% | 4,603 |
| Noninterest income to average assets | 0.8989% | 1,961 |
| Noninterest expense to average assets | 3.5869% | 2,185 |
| Loan and lease loss provision to assets | 1.1564% | 1,258 |
| Net operating income to assets | -0.2438% | 6,672 |
| Return on assets (ROA) | -0.1964% | 6,466 |
| Pretax return on assets | -0.5193% | 6,669 |
| Return on Equity (ROE) | -1.8646% | 6,484 |
| Retained earnings to average equity (ytd only) | -6.0081% | 6,665 |
| Net charge-offs to loans | 1.1891% | 1,016 |
| Credit loss provision to net charge-offs | 192.0290% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.9348% | 5,666 |
| Efficiency ratio | 86.4353% | 1,811 |
| Assets per employee ($millions) | 3.2310% | 5,394 |
| Cash dividends to net income (ytd only)* | -222.2222% | 8,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1557% | 997 |
| Loan loss allowance to noncurrent loans | 143.9560% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 4,834 |
| Noncurrent loans to loans | 1.4974% | 3,554 |
| Net loans and leases to total assets | 52.5799% | 6,794 |
| Net loans and leases to deposits | 65.0120% | 6,716 |
| Net loans and leases to core deposits | 88.3769% | 5,938 |
| Total domestic deposits to total assets | 80.8772% | 4,695 |
| Equity capital to assets | 9.9836% | 4,057 |
| Core capital (leverage) ratio | 9.6237% | 3,853 |
| Tier 1 risk-based capital ratio | 14.8920% | 3,097 |
| Total risk-based capital ratio | 16.1455% | 3,014 |
| Memoranda: | ||
| Average total assets | $22,916,800 | 7,916 |
| Average earning assets | $20,305,600 | 7,920 |
| Average equity | $2,413,400 | 8,016 |
| Average total loans | $11,605,000 | 7,855 |