Home > State Bank of Park Rapids > Performance and Condition Ratios
State Bank of Park Rapids, Performance and Condition Ratios
| 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 | 3.9720% | 3,332 |
| Cost of funding earning assets | 0.5640% | 1,712 |
| Net interest margin | 3.4080% | 3,812 |
| Noninterest income to average assets | 0.5603% | 2,888 |
| Noninterest expense to average assets | 2.8404% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8146% | 3,188 |
| Return on assets (ROA) | 1.1206% | 1,903 |
| Pretax return on assets | 1.1250% | 2,973 |
| Return on Equity (ROE) | 9.2121% | 2,356 |
| Retained earnings to average equity (ytd only) | -7.0862% | 6,042 |
| Net charge-offs to loans | -0.1122% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6207% | 2,243 |
| Assets per employee ($millions) | 5.3548% | 1,942 |
| Cash dividends to net income (ytd only)* | 176.9231% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 5,128 |
| Loan loss allowance to noncurrent loans | 24.1540% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 2.8661% | 682 |
| Noncurrent loans to loans | 4.0584% | 428 |
| Net loans and leases to total assets | 45.9393% | 5,204 |
| Net loans and leases to deposits | 55.8585% | 5,060 |
| Net loans and leases to core deposits | 57.5599% | 5,150 |
| Total domestic deposits to total assets | 82.2423% | 4,440 |
| Equity capital to assets | 12.3639% | 1,776 |
| Core capital (leverage) ratio | 11.4311% | 2,052 |
| Tier 1 risk-based capital ratio | 18.9433% | 1,887 |
| Total risk-based capital ratio | 19.6805% | 1,972 |
| Memoranda: | ||
| Average total assets | $92,804,000 | 4,754 |
| Average earning assets | $84,390,500 | 4,764 |
| Average equity | $11,289,500 | 4,544 |
| Average total loans | $42,763,000 | 5,033 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 3,185 |
| Cost of funding earning assets | 0.5919% | 1,834 |
| Net interest margin | 3.5422% | 3,629 |
| Noninterest income to average assets | 0.5347% | 3,274 |
| Noninterest expense to average assets | 2.4467% | 4,713 |
| Loan and lease loss provision to assets | -0.1766% | 6,267 |
| Net operating income to assets | 1.4721% | 929 |
| Return on assets (ROA) | 1.6184% | 716 |
| Pretax return on assets | 1.6174% | 1,187 |
| Return on Equity (ROE) | 15.7868% | 649 |
| Retained earnings to average equity (ytd only) | 9.9799% | 521 |
| Net charge-offs to loans | 0.0965% | 3,127 |
| Credit loss provision to net charge-offs | -416.6667% | 5,756 |
| Earnings coverage of net charge-offs (x) | 30.5476% | 1,317 |
| Efficiency ratio | 65.3991% | 4,341 |
| Assets per employee ($millions) | 5.5634% | 1,715 |
| Cash dividends to net income (ytd only)* | 36.7830% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,369 |
| Loan loss allowance to noncurrent loans | 23.7448% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 2.7364% | 799 |
| Noncurrent loans to loans | 3.9106% | 489 |
| Net loans and leases to total assets | 45.3503% | 5,379 |
| Net loans and leases to deposits | 53.4161% | 5,373 |
| Net loans and leases to core deposits | 54.9293% | 5,448 |
| Total domestic deposits to total assets | 84.9001% | 3,331 |
| Equity capital to assets | 11.9733% | 2,035 |
| Core capital (leverage) ratio | 11.0803% | 2,332 |
| Tier 1 risk-based capital ratio | 19.3674% | 1,754 |
| Total risk-based capital ratio | 20.0858% | 1,857 |
| Memoranda: | ||
| Average total assets | $99,112,400 | 4,622 |
| Average earning assets | $89,718,000 | 4,658 |
| Average equity | $10,160,400 | 4,722 |
| Average total loans | $43,531,200 | 5,052 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,190 |
| Cost of funding earning assets | 0.5901% | 1,924 |
| Net interest margin | 3.5554% | 3,606 |
| Noninterest income to average assets | 0.5360% | 3,284 |
| Noninterest expense to average assets | 2.4419% | 4,693 |
| Loan and lease loss provision to assets | -0.2328% | 6,412 |
| Net operating income to assets | 1.5415% | 860 |
| Return on assets (ROA) | 1.6080% | 771 |
| Pretax return on assets | 1.6067% | 1,307 |
| Return on Equity (ROE) | 16.3327% | 639 |
| Retained earnings to average equity (ytd only) | 8.3622% | 1,201 |
| Net charge-offs to loans | 0.0031% | 4,597 |
| Credit loss provision to net charge-offs | -17,500.0000% | 6,086 |
| Earnings coverage of net charge-offs (x) | 985.4361% | 76 |
| Efficiency ratio | 65.1295% | 4,347 |
| Assets per employee ($millions) | 5.7893% | 1,493 |
| Cash dividends to net income (ytd only)* | 48.8008% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,133 |
| Loan loss allowance to noncurrent loans | 33.7652% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.3106% | 1,177 |
| Noncurrent loans to loans | 3.0150% | 882 |
| Net loans and leases to total assets | 43.7654% | 5,537 |
| Net loans and leases to deposits | 50.8608% | 5,591 |
| Net loans and leases to core deposits | 52.8691% | 5,633 |
| Total domestic deposits to total assets | 86.0493% | 2,820 |
| Equity capital to assets | 10.8740% | 3,094 |
| Core capital (leverage) ratio | 10.5549% | 2,975 |
| Tier 1 risk-based capital ratio | 18.5919% | 2,020 |
| Total risk-based capital ratio | 19.3805% | 2,129 |
| Memoranda: | ||
| Average total assets | $100,246,250 | 4,637 |
| Average earning assets | $90,602,750 | 4,686 |
| Average equity | $9,869,500 | 4,815 |
| Average total loans | $43,590,750 | 5,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 3,168 |
| Cost of funding earning assets | 0.5938% | 1,948 |
| Net interest margin | 3.5516% | 3,566 |
| Noninterest income to average assets | 0.4422% | 3,924 |
| Noninterest expense to average assets | 2.5482% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1105% | 1,898 |
| Return on assets (ROA) | 1.1878% | 1,701 |
| Pretax return on assets | 1.1859% | 2,731 |
| Return on Equity (ROE) | 12.4896% | 1,309 |
| Retained earnings to average equity (ytd only) | 3.0442% | 4,272 |
| Net charge-offs to loans | -0.0138% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6855% | 3,711 |
| Assets per employee ($millions) | 5.9238% | 1,329 |
| Cash dividends to net income (ytd only)* | 75.6260% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 2,972 |
| Loan loss allowance to noncurrent loans | 35.3208% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 2.7834% | 941 |
| Noncurrent loans to loans | 4.2045% | 553 |
| Net loans and leases to total assets | 40.9735% | 5,744 |
| Net loans and leases to deposits | 47.9969% | 5,772 |
| Net loans and leases to core deposits | 50.0188% | 5,787 |
| Total domestic deposits to total assets | 85.3670% | 3,338 |
| Equity capital to assets | 10.1654% | 3,881 |
| Core capital (leverage) ratio | 9.4808% | 4,357 |
| Tier 1 risk-based capital ratio | 17.8897% | 2,279 |
| Total risk-based capital ratio | 19.0057% | 2,296 |
| Memoranda: | ||
| Average total assets | $100,855,670 | 4,665 |
| Average earning assets | $91,282,330 | 4,697 |
| Average equity | $9,592,000 | 4,892 |
| Average total loans | $43,615,670 | 5,144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,082 |
| Cost of funding earning assets | 0.5808% | 2,149 |
| Net interest margin | 3.5680% | 3,400 |
| Noninterest income to average assets | 0.4993% | 3,415 |
| Noninterest expense to average assets | 2.8336% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9075% | 2,617 |
| Return on assets (ROA) | 1.0027% | 2,257 |
| Pretax return on assets | 0.9987% | 3,322 |
| Return on Equity (ROE) | 10.9175% | 1,713 |
| Retained earnings to average equity (ytd only) | -2.0282% | 5,861 |
| Net charge-offs to loans | -0.0180% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8218% | 2,830 |
| Assets per employee ($millions) | 5.5525% | 1,659 |
| Cash dividends to net income (ytd only)* | 118.5771% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 3,518 |
| Loan loss allowance to noncurrent loans | 58.6957% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.6054% | 1,196 |
| Noncurrent loans to loans | 2.4138% | 1,451 |
| Net loans and leases to total assets | 43.2348% | 5,575 |
| Net loans and leases to deposits | 49.3535% | 5,642 |
| Net loans and leases to core deposits | 51.3915% | 5,658 |
| Total domestic deposits to total assets | 87.6022% | 2,460 |
| Equity capital to assets | 9.4412% | 4,576 |
| Core capital (leverage) ratio | 9.7909% | 3,875 |
| Tier 1 risk-based capital ratio | 17.0097% | 2,686 |
| Total risk-based capital ratio | 18.0899% | 2,720 |
| Memoranda: | ||
| Average total assets | $100,931,500 | 4,712 |
| Average earning assets | $91,592,500 | 4,734 |
| Average equity | $9,269,500 | 4,985 |
| Average total loans | $44,481,500 | 5,148 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,981 |
| Cost of funding earning assets | 0.6507% | 2,198 |
| Net interest margin | 3.6434% | 3,271 |
| Noninterest income to average assets | 0.3482% | 4,827 |
| Noninterest expense to average assets | 2.6030% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9768% | 2,434 |
| Return on assets (ROA) | 1.0677% | 2,128 |
| Pretax return on assets | 1.0688% | 3,078 |
| Return on Equity (ROE) | 10.9932% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.3647% | 1,287 |
| Net charge-offs to loans | 0.3834% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,287 |
| Efficiency ratio | 72.6928% | 3,352 |
| Assets per employee ($millions) | 5.9952% | 1,275 |
| Cash dividends to net income (ytd only)* | 33.0069% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,785 |
| Loan loss allowance to noncurrent loans | 46.4366% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.9220% | 1,091 |
| Noncurrent loans to loans | 2.9536% | 1,170 |
| Net loans and leases to total assets | 43.6743% | 5,701 |
| Net loans and leases to deposits | 51.2250% | 5,679 |
| Net loans and leases to core deposits | 52.4219% | 5,766 |
| Total domestic deposits to total assets | 85.2597% | 3,616 |
| Equity capital to assets | 8.9317% | 5,116 |
| Core capital (leverage) ratio | 9.6064% | 4,107 |
| Tier 1 risk-based capital ratio | 16.6653% | 2,778 |
| Total risk-based capital ratio | 17.7152% | 2,832 |
| Memoranda: | ||
| Average total assets | $95,622,200 | 4,847 |
| Average earning assets | $84,837,400 | 4,912 |
| Average equity | $9,287,600 | 5,021 |
| Average total loans | $44,343,200 | 5,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,915 |
| Cost of funding earning assets | 0.6683% | 2,191 |
| Net interest margin | 3.6493% | 3,235 |
| Noninterest income to average assets | 0.3062% | 5,253 |
| Noninterest expense to average assets | 2.6269% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8903% | 2,882 |
| Return on assets (ROA) | 1.0151% | 2,405 |
| Pretax return on assets | 1.0165% | 3,442 |
| Return on Equity (ROE) | 10.2278% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.4139% | 2,787 |
| Net charge-offs to loans | 0.5980% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.1768% | 3,779 |
| Efficiency ratio | 74.6575% | 2,958 |
| Assets per employee ($millions) | 5.8664% | 1,332 |
| Cash dividends to net income (ytd only)* | 47.0670% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,201 |
| Loan loss allowance to noncurrent loans | 87.1681% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.3795% | 1,647 |
| Noncurrent loans to loans | 1.5356% | 2,865 |
| Net loans and leases to total assets | 43.6808% | 5,748 |
| Net loans and leases to deposits | 49.5947% | 5,865 |
| Net loans and leases to core deposits | 50.7420% | 5,970 |
| Total domestic deposits to total assets | 88.0756% | 2,083 |
| Equity capital to assets | 8.8812% | 5,317 |
| Core capital (leverage) ratio | 9.6594% | 4,158 |
| Tier 1 risk-based capital ratio | 16.8145% | 2,797 |
| Total risk-based capital ratio | 17.8584% | 2,854 |
| Memoranda: | ||
| Average total assets | $94,048,250 | 4,936 |
| Average earning assets | $82,791,000 | 5,003 |
| Average equity | $9,333,750 | 5,066 |
| Average total loans | $44,146,250 | 5,234 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 3,043 |
| Cost of funding earning assets | 0.6843% | 2,186 |
| Net interest margin | 3.5944% | 3,383 |
| Noninterest income to average assets | 0.2735% | 5,493 |
| Noninterest expense to average assets | 2.6108% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8182% | 3,207 |
| Return on assets (ROA) | 1.0092% | 2,424 |
| Pretax return on assets | 1.0113% | 3,459 |
| Return on Equity (ROE) | 9.7970% | 2,279 |
| Retained earnings to average equity (ytd only) | 2.6968% | 4,593 |
| Net charge-offs to loans | 0.8427% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0323% | 3,841 |
| Efficiency ratio | 76.0911% | 2,774 |
| Assets per employee ($millions) | 5.0375% | 2,069 |
| Cash dividends to net income (ytd only)* | 72.4731% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,139 |
| Loan loss allowance to noncurrent loans | 57.4833% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 3.1313% | 1,272 |
| Noncurrent loans to loans | 2.3959% | 1,963 |
| Net loans and leases to total assets | 45.1145% | 5,622 |
| Net loans and leases to deposits | 51.5798% | 5,722 |
| Net loans and leases to core deposits | 52.8312% | 5,827 |
| Total domestic deposits to total assets | 87.4655% | 2,557 |
| Equity capital to assets | 9.4157% | 4,695 |
| Core capital (leverage) ratio | 9.7119% | 3,918 |
| Tier 1 risk-based capital ratio | 16.5539% | 2,916 |
| Total risk-based capital ratio | 17.6308% | 2,954 |
| Memoranda: | ||
| Average total assets | $92,155,000 | 5,004 |
| Average earning assets | $80,960,000 | 5,090 |
| Average equity | $9,492,670 | 5,059 |
| Average total loans | $44,144,000 | 5,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 3,220 |
| Cost of funding earning assets | 0.6806% | 2,380 |
| Net interest margin | 3.5383% | 3,535 |
| Noninterest income to average assets | 0.1726% | 6,225 |
| Noninterest expense to average assets | 2.7042% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5931% | 4,253 |
| Return on assets (ROA) | 0.9826% | 2,433 |
| Pretax return on assets | 0.9870% | 3,412 |
| Return on Equity (ROE) | 9.1236% | 2,428 |
| Retained earnings to average equity (ytd only) | -4.7262% | 6,343 |
| Net charge-offs to loans | 1.0017% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.2162% | 3,423 |
| Efficiency ratio | 81.9035% | 2,046 |
| Assets per employee ($millions) | 5.3433% | 1,813 |
| Cash dividends to net income (ytd only)* | 151.8018% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,691 |
| Loan loss allowance to noncurrent loans | 100.1477% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2630% | 1,334 |
| Noncurrent loans to loans | 1.5300% | 3,254 |
| Net loans and leases to total assets | 47.9645% | 5,232 |
| Net loans and leases to deposits | 56.3373% | 5,214 |
| Net loans and leases to core deposits | 57.8245% | 5,358 |
| Total domestic deposits to total assets | 85.1381% | 3,972 |
| Equity capital to assets | 10.5289% | 3,515 |
| Core capital (leverage) ratio | 10.1499% | 3,218 |
| Tier 1 risk-based capital ratio | 16.6063% | 2,950 |
| Total risk-based capital ratio | 17.8556% | 2,908 |
| Memoranda: | ||
| Average total assets | $90,376,500 | 5,088 |
| Average earning assets | $79,926,500 | 5,156 |
| Average equity | $9,733,000 | 5,057 |
| Average total loans | $44,324,500 | 5,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 1,985 |
| Cost of funding earning assets | 0.9202% | 1,814 |
| Net interest margin | 3.9401% | 2,652 |
| Noninterest income to average assets | 0.3819% | 4,737 |
| Noninterest expense to average assets | 2.9494% | 3,471 |
| Loan and lease loss provision to assets | -0.0764% | 6,902 |
| Net operating income to assets | 0.8676% | 2,970 |
| Return on assets (ROA) | 1.4148% | 1,186 |
| Pretax return on assets | 1.4160% | 1,983 |
| Return on Equity (ROE) | 12.6690% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.6064% | 674 |
| Net charge-offs to loans | 0.0686% | 4,994 |
| Credit loss provision to net charge-offs | -223.3333% | 6,407 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 1,229 |
| Efficiency ratio | 78.8479% | 2,300 |
| Assets per employee ($millions) | 5.2892% | 1,917 |
| Cash dividends to net income (ytd only)* | 24.1741% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 2,665 |
| Loan loss allowance to noncurrent loans | 40.1936% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 5.0335% | 766 |
| Noncurrent loans to loans | 4.4210% | 976 |
| Net loans and leases to total assets | 48.5036% | 5,360 |
| Net loans and leases to deposits | 57.3674% | 5,308 |
| Net loans and leases to core deposits | 58.9851% | 5,456 |
| Total domestic deposits to total assets | 84.5491% | 4,066 |
| Equity capital to assets | 11.0124% | 2,934 |
| Core capital (leverage) ratio | 9.9842% | 3,423 |
| Tier 1 risk-based capital ratio | 17.0545% | 2,626 |
| Total risk-based capital ratio | 18.3065% | 2,590 |
| Memoranda: | ||
| Average total assets | $87,713,000 | 5,148 |
| Average earning assets | $74,770,200 | 5,287 |
| Average equity | $9,795,600 | 5,024 |
| Average total loans | $43,721,400 | 5,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 1,854 |
| Cost of funding earning assets | 0.9597% | 1,788 |
| Net interest margin | 3.9834% | 2,567 |
| Noninterest income to average assets | 0.2157% | 5,997 |
| Noninterest expense to average assets | 2.7748% | 4,073 |
| Loan and lease loss provision to assets | -0.1025% | 7,038 |
| Net operating income to assets | 0.9147% | 2,910 |
| Return on assets (ROA) | 1.6490% | 842 |
| Pretax return on assets | 1.6505% | 1,407 |
| Return on Equity (ROE) | 14.7129% | 951 |
| Retained earnings to average equity (ytd only) | 14.7129% | 254 |
| Net charge-offs to loans | -0.0031% | 6,227 |
| Credit loss provision to net charge-offs | 6,700.0000% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3561% | 2,473 |
| Assets per employee ($millions) | 4.7571% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,411 |
| Loan loss allowance to noncurrent loans | 69.5505% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 4.2042% | 1,130 |
| Noncurrent loans to loans | 2.7622% | 2,044 |
| Net loans and leases to total assets | 46.3174% | 5,733 |
| Net loans and leases to deposits | 54.3526% | 5,775 |
| Net loans and leases to core deposits | 56.1616% | 5,876 |
| Total domestic deposits to total assets | 85.2166% | 3,655 |
| Equity capital to assets | 11.3913% | 2,858 |
| Core capital (leverage) ratio | 10.4907% | 2,925 |
| Tier 1 risk-based capital ratio | 17.8689% | 2,401 |
| Total risk-based capital ratio | 19.1228% | 2,367 |
| Memoranda: | ||
| Average total assets | $87,162,000 | 5,205 |
| Average earning assets | $73,770,500 | 5,381 |
| Average equity | $9,769,000 | 5,084 |
| Average total loans | $43,551,250 | 5,409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 1,642 |
| Cost of funding earning assets | 1.0076% | 1,725 |
| Net interest margin | 4.0497% | 2,296 |
| Noninterest income to average assets | 0.3369% | 5,133 |
| Noninterest expense to average assets | 2.8761% | 3,723 |
| Loan and lease loss provision to assets | -0.1557% | 7,134 |
| Net operating income to assets | 1.0431% | 2,281 |
| Return on assets (ROA) | 2.0003% | 450 |
| Pretax return on assets | 2.0026% | 696 |
| Return on Equity (ROE) | 17.9500% | 515 |
| Retained earnings to average equity (ytd only) | 17.9500% | 144 |
| Net charge-offs to loans | -0.0502% | 6,664 |
| Credit loss provision to net charge-offs | 609.0909% | 510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4198% | 2,685 |
| Assets per employee ($millions) | 4.5559% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 2,420 |
| Loan loss allowance to noncurrent loans | 100.8505% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 4.4881% | 1,107 |
| Noncurrent loans to loans | 1.9226% | 3,041 |
| Net loans and leases to total assets | 48.4936% | 5,568 |
| Net loans and leases to deposits | 57.0541% | 5,544 |
| Net loans and leases to core deposits | 58.6222% | 5,727 |
| Total domestic deposits to total assets | 84.9957% | 3,865 |
| Equity capital to assets | 11.5016% | 2,596 |
| Core capital (leverage) ratio | 10.2279% | 3,109 |
| Tier 1 risk-based capital ratio | 17.3268% | 2,537 |
| Total risk-based capital ratio | 18.5813% | 2,501 |
| Memoranda: | ||
| Average total assets | $86,087,670 | 5,274 |
| Average earning assets | $72,844,670 | 5,434 |
| Average equity | $9,593,330 | 5,136 |
| Average total loans | $43,840,330 | 5,436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 1,620 |
| Cost of funding earning assets | 1.0152% | 1,889 |
| Net interest margin | 4.0716% | 2,209 |
| Noninterest income to average assets | 0.2563% | 5,812 |
| Noninterest expense to average assets | 2.6511% | 4,618 |
| Loan and lease loss provision to assets | 0.1538% | 3,454 |
| Net operating income to assets | 0.9412% | 2,740 |
| Return on assets (ROA) | 2.8608% | 140 |
| Pretax return on assets | 2.8654% | 210 |
| Return on Equity (ROE) | 26.0943% | 159 |
| Retained earnings to average equity (ytd only) | 26.0943% | 81 |
| Net charge-offs to loans | -0.0721% | 6,677 |
| Credit loss provision to net charge-offs | -412.5000% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6832% | 3,681 |
| Assets per employee ($millions) | 4.4913% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 2,053 |
| Loan loss allowance to noncurrent loans | 132.0057% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 4.5363% | 1,173 |
| Noncurrent loans to loans | 1.6062% | 3,705 |
| Net loans and leases to total assets | 50.2039% | 5,277 |
| Net loans and leases to deposits | 58.8896% | 5,284 |
| Net loans and leases to core deposits | 59.7945% | 5,547 |
| Total domestic deposits to total assets | 85.2509% | 3,908 |
| Equity capital to assets | 11.3120% | 2,616 |
| Core capital (leverage) ratio | 10.3239% | 2,963 |
| Tier 1 risk-based capital ratio | 16.7160% | 2,802 |
| Total risk-based capital ratio | 17.9716% | 2,756 |
| Memoranda: | ||
| Average total assets | $85,850,500 | 5,318 |
| Average earning assets | $73,681,500 | 5,446 |
| Average equity | $9,412,000 | 5,189 |
| Average total loans | $44,357,000 | 5,453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 2,219 |
| Cost of funding earning assets | 1.3322% | 1,331 |
| Net interest margin | 3.8296% | 3,680 |
| Noninterest income to average assets | 0.6401% | 2,947 |
| Noninterest expense to average assets | 3.1168% | 3,144 |
| Loan and lease loss provision to assets | 0.1285% | 5,009 |
| Net operating income to assets | 0.6490% | 3,740 |
| Return on assets (ROA) | 1.0244% | 2,256 |
| Pretax return on assets | 1.0266% | 3,135 |
| Return on Equity (ROE) | 11.1068% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.1068% | 388 |
| Net charge-offs to loans | 0.9075% | 1,912 |
| Credit loss provision to net charge-offs | 27.3159% | 5,823 |
| Earnings coverage of net charge-offs (x) | 1.6580% | 4,526 |
| Efficiency ratio | 79.9885% | 2,303 |
| Assets per employee ($millions) | 4.1127% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 2,357 |
| Loan loss allowance to noncurrent loans | 64.9341% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 5.0540% | 1,054 |
| Noncurrent loans to loans | 3.0393% | 2,135 |
| Net loans and leases to total assets | 51.0125% | 5,462 |
| Net loans and leases to deposits | 59.3214% | 5,565 |
| Net loans and leases to core deposits | 61.3066% | 5,724 |
| Total domestic deposits to total assets | 85.9935% | 3,327 |
| Equity capital to assets | 10.6186% | 3,399 |
| Core capital (leverage) ratio | 9.0888% | 4,638 |
| Tier 1 risk-based capital ratio | 15.0049% | 3,637 |
| Total risk-based capital ratio | 16.2604% | 3,592 |
| Memoranda: | ||
| Average total assets | $89,516,000 | 5,196 |
| Average earning assets | $76,117,200 | 5,341 |
| Average equity | $8,256,200 | 5,493 |
| Average total loans | $46,390,000 | 5,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 2,328 |
| Cost of funding earning assets | 1.3837% | 1,303 |
| Net interest margin | 3.7808% | 3,963 |
| Noninterest income to average assets | 0.5050% | 3,831 |
| Noninterest expense to average assets | 2.6030% | 5,067 |
| Loan and lease loss provision to assets | 0.1373% | 4,720 |
| Net operating income to assets | 0.9568% | 2,500 |
| Return on assets (ROA) | 1.2004% | 1,764 |
| Pretax return on assets | 1.2033% | 2,620 |
| Return on Equity (ROE) | 13.5032% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.5032% | 330 |
| Net charge-offs to loans | 0.9611% | 1,674 |
| Credit loss provision to net charge-offs | 27.5964% | 5,449 |
| Earnings coverage of net charge-offs (x) | 2.2048% | 4,027 |
| Efficiency ratio | 70.3512% | 3,896 |
| Assets per employee ($millions) | 4.3572% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 2,359 |
| Loan loss allowance to noncurrent loans | 49.1965% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 5.1616% | 1,114 |
| Noncurrent loans to loans | 4.0491% | 1,636 |
| Net loans and leases to total assets | 51.0273% | 5,575 |
| Net loans and leases to deposits | 62.3419% | 5,361 |
| Net loans and leases to core deposits | 64.4138% | 5,574 |
| Total domestic deposits to total assets | 81.8507% | 5,149 |
| Equity capital to assets | 10.0686% | 4,252 |
| Core capital (leverage) ratio | 8.8933% | 5,116 |
| Tier 1 risk-based capital ratio | 14.2390% | 4,170 |
| Total risk-based capital ratio | 15.4949% | 4,129 |
| Memoranda: | ||
| Average total assets | $90,303,250 | 5,217 |
| Average earning assets | $76,312,500 | 5,373 |
| Average equity | $8,027,500 | 5,591 |
| Average total loans | $46,751,250 | 5,440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 2,270 |
| Cost of funding earning assets | 1.4371% | 1,248 |
| Net interest margin | 3.7593% | 3,991 |
| Noninterest income to average assets | 0.1157% | 6,757 |
| Noninterest expense to average assets | 2.6451% | 5,021 |
| Loan and lease loss provision to assets | 0.1335% | 4,632 |
| Net operating income to assets | 0.4731% | 4,629 |
| Return on assets (ROA) | 0.8365% | 3,026 |
| Pretax return on assets | 0.8409% | 3,867 |
| Return on Equity (ROE) | 9.8528% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.8528% | 888 |
| Net charge-offs to loans | 1.1452% | 1,367 |
| Credit loss provision to net charge-offs | 22.5564% | 5,096 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 4,523 |
| Efficiency ratio | 81.3269% | 2,198 |
| Assets per employee ($millions) | 4.4148% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 2,042 |
| Loan loss allowance to noncurrent loans | 53.2362% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 6.1773% | 893 |
| Noncurrent loans to loans | 4.0118% | 1,725 |
| Net loans and leases to total assets | 48.7828% | 5,975 |
| Net loans and leases to deposits | 57.5876% | 5,979 |
| Net loans and leases to core deposits | 61.1044% | 5,988 |
| Total domestic deposits to total assets | 84.7106% | 4,012 |
| Equity capital to assets | 8.8663% | 5,748 |
| Core capital (leverage) ratio | 8.2966% | 5,876 |
| Tier 1 risk-based capital ratio | 13.4111% | 4,600 |
| Total risk-based capital ratio | 14.6667% | 4,583 |
| Memoranda: | ||
| Average total assets | $89,903,670 | 5,258 |
| Average earning assets | $75,014,670 | 5,463 |
| Average equity | $7,632,330 | 5,724 |
| Average total loans | $46,455,000 | 5,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 2,174 |
| Cost of funding earning assets | 1.4355% | 1,452 |
| Net interest margin | 3.7786% | 3,713 |
| Noninterest income to average assets | 0.3977% | 4,714 |
| Noninterest expense to average assets | 2.4723% | 5,657 |
| Loan and lease loss provision to assets | 0.1356% | 4,312 |
| Net operating income to assets | 1.0260% | 2,091 |
| Return on assets (ROA) | 1.0260% | 2,139 |
| Pretax return on assets | 1.0260% | 3,039 |
| Return on Equity (ROE) | 12.3731% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.3731% | 684 |
| Net charge-offs to loans | 1.3483% | 1,028 |
| Credit loss provision to net charge-offs | 19.1083% | 4,263 |
| Earnings coverage of net charge-offs (x) | 1.6369% | 3,493 |
| Efficiency ratio | 68.0348% | 4,648 |
| Assets per employee ($millions) | 4.1461% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 1,656 |
| Loan loss allowance to noncurrent loans | 64.4498% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 6.7602% | 805 |
| Noncurrent loans to loans | 3.6666% | 2,018 |
| Net loans and leases to total assets | 50.5857% | 5,771 |
| Net loans and leases to deposits | 59.9165% | 5,735 |
| Net loans and leases to core deposits | 66.0994% | 5,495 |
| Total domestic deposits to total assets | 84.4271% | 4,309 |
| Equity capital to assets | 8.7334% | 5,603 |
| Core capital (leverage) ratio | 8.5016% | 5,449 |
| Tier 1 risk-based capital ratio | 13.4853% | 4,426 |
| Total risk-based capital ratio | 14.7442% | 4,398 |
| Memoranda: | ||
| Average total assets | $88,500,000 | 5,336 |
| Average earning assets | $75,794,500 | 5,483 |
| Average equity | $7,338,500 | 5,830 |
| Average total loans | $46,575,500 | 5,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 2,688 |
| Cost of funding earning assets | 1.8147% | 1,115 |
| Net interest margin | 3.5810% | 4,906 |
| Noninterest income to average assets | 0.6570% | 3,104 |
| Noninterest expense to average assets | 3.1019% | 3,449 |
| Loan and lease loss provision to assets | 0.4314% | 3,533 |
| Net operating income to assets | 0.1916% | 5,292 |
| Return on assets (ROA) | 0.6942% | 3,380 |
| Pretax return on assets | 0.6964% | 3,990 |
| Return on Equity (ROE) | 8.6539% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.6539% | 797 |
| Net charge-offs to loans | 1.5900% | 1,371 |
| Credit loss provision to net charge-offs | 47.7576% | 6,294 |
| Earnings coverage of net charge-offs (x) | 0.6921% | 5,419 |
| Efficiency ratio | 83.2256% | 2,028 |
| Assets per employee ($millions) | 4.2825% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4833% | 1,429 |
| Loan loss allowance to noncurrent loans | 43.0997% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 7.7959% | 651 |
| Noncurrent loans to loans | 5.7617% | 1,105 |
| Net loans and leases to total assets | 52.0927% | 5,895 |
| Net loans and leases to deposits | 60.9231% | 5,961 |
| Net loans and leases to core deposits | 67.3791% | 5,734 |
| Total domestic deposits to total assets | 85.5057% | 3,599 |
| Equity capital to assets | 7.8648% | 6,628 |
| Core capital (leverage) ratio | 7.7714% | 6,470 |
| Tier 1 risk-based capital ratio | 12.4904% | 5,030 |
| Total risk-based capital ratio | 13.7493% | 5,008 |
| Memoranda: | ||
| Average total assets | $91,330,000 | 5,250 |
| Average earning assets | $78,302,800 | 5,402 |
| Average equity | $7,326,200 | 5,926 |
| Average total loans | $51,888,200 | 5,409 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 2,662 |
| Cost of funding earning assets | 1.8851% | 1,075 |
| Net interest margin | 3.5614% | 5,055 |
| Noninterest income to average assets | 0.7432% | 2,561 |
| Noninterest expense to average assets | 3.0191% | 3,675 |
| Loan and lease loss provision to assets | 0.3796% | 3,613 |
| Net operating income to assets | 0.3912% | 4,787 |
| Return on assets (ROA) | 1.0587% | 2,149 |
| Pretax return on assets | 1.0616% | 2,961 |
| Return on Equity (ROE) | 13.1354% | 1,223 |
| Retained earnings to average equity (ytd only) | 13.1354% | 330 |
| Net charge-offs to loans | 1.6852% | 1,168 |
| Credit loss provision to net charge-offs | 39.0719% | 6,027 |
| Earnings coverage of net charge-offs (x) | 0.7964% | 5,252 |
| Efficiency ratio | 79.6012% | 2,406 |
| Assets per employee ($millions) | 3.5791% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3843% | 1,495 |
| Loan loss allowance to noncurrent loans | 40.9076% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 7.1773% | 743 |
| Noncurrent loans to loans | 5.8284% | 1,105 |
| Net loans and leases to total assets | 55.6858% | 5,596 |
| Net loans and leases to deposits | 65.7691% | 5,692 |
| Net loans and leases to core deposits | 72.9143% | 5,414 |
| Total domestic deposits to total assets | 84.6687% | 3,788 |
| Equity capital to assets | 8.6514% | 6,098 |
| Core capital (leverage) ratio | 8.1816% | 6,072 |
| Tier 1 risk-based capital ratio | 12.3831% | 5,090 |
| Total risk-based capital ratio | 13.6422% | 5,053 |
| Memoranda: | ||
| Average total assets | $91,679,500 | 5,303 |
| Average earning assets | $78,506,250 | 5,467 |
| Average equity | $7,389,500 | 5,991 |
| Average total loans | $52,850,000 | 5,447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6629% | 1,900 |
| Cost of funding earning assets | 2.0078% | 892 |
| Net interest margin | 3.6551% | 4,557 |
| Noninterest income to average assets | 0.8678% | 1,811 |
| Noninterest expense to average assets | 3.1770% | 2,985 |
| Loan and lease loss provision to assets | 0.4545% | 3,050 |
| Net operating income to assets | 0.3484% | 4,981 |
| Return on assets (ROA) | 1.3418% | 1,281 |
| Pretax return on assets | 1.3461% | 1,958 |
| Return on Equity (ROE) | 17.0509% | 560 |
| Retained earnings to average equity (ytd only) | 17.0509% | 153 |
| Net charge-offs to loans | 2.1739% | 825 |
| Credit loss provision to net charge-offs | 36.1446% | 5,656 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 5,098 |
| Efficiency ratio | 79.7393% | 2,474 |
| Assets per employee ($millions) | 3.4350% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 1,422 |
| Loan loss allowance to noncurrent loans | 72.9761% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 6.4662% | 868 |
| Noncurrent loans to loans | 3.3037% | 2,425 |
| Net loans and leases to total assets | 56.7898% | 5,581 |
| Net loans and leases to deposits | 66.9628% | 5,686 |
| Net loans and leases to core deposits | 72.2956% | 5,641 |
| Total domestic deposits to total assets | 84.8080% | 3,725 |
| Equity capital to assets | 8.4985% | 6,167 |
| Core capital (leverage) ratio | 7.7743% | 6,526 |
| Tier 1 risk-based capital ratio | 12.2215% | 5,102 |
| Total risk-based capital ratio | 13.4827% | 5,065 |
| Memoranda: | ||
| Average total assets | $92,413,670 | 5,298 |
| Average earning assets | $78,793,670 | 5,479 |
| Average equity | $7,272,330 | 6,044 |
| Average total loans | $53,452,330 | 5,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5816% | 2,237 |
| Cost of funding earning assets | 2.0781% | 864 |
| Net interest margin | 3.5034% | 5,139 |
| Noninterest income to average assets | 1.3026% | 710 |
| Noninterest expense to average assets | 3.3970% | 2,245 |
| Loan and lease loss provision to assets | 0.8939% | 1,419 |
| Net operating income to assets | -0.0043% | 6,297 |
| Return on assets (ROA) | -0.0043% | 6,403 |
| Pretax return on assets | 0.0043% | 6,344 |
| Return on Equity (ROE) | -0.0562% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.0562% | 5,841 |
| Net charge-offs to loans | 4.2515% | 307 |
| Credit loss provision to net charge-offs | 36.4583% | 4,708 |
| Earnings coverage of net charge-offs (x) | 0.3663% | 4,710 |
| Efficiency ratio | 79.0882% | 2,706 |
| Assets per employee ($millions) | 3.5158% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 1,433 |
| Loan loss allowance to noncurrent loans | 90.3087% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 6.4237% | 896 |
| Noncurrent loans to loans | 2.6438% | 3,029 |
| Net loans and leases to total assets | 56.2646% | 5,705 |
| Net loans and leases to deposits | 70.2115% | 5,313 |
| Net loans and leases to core deposits | 74.9050% | 5,399 |
| Total domestic deposits to total assets | 80.1359% | 5,737 |
| Equity capital to assets | 7.8535% | 6,806 |
| Core capital (leverage) ratio | 7.0466% | 7,220 |
| Tier 1 risk-based capital ratio | 10.6003% | 6,540 |
| Total risk-based capital ratio | 11.8601% | 6,525 |
| Memoranda: | ||
| Average total assets | $93,965,500 | 5,317 |
| Average earning assets | $80,264,000 | 5,495 |
| Average equity | $7,113,500 | 6,153 |
| Average total loans | $54,192,500 | 5,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8850% | 2,301 |
| Cost of funding earning assets | 2.6242% | 726 |
| Net interest margin | 3.2608% | 5,888 |
| Noninterest income to average assets | -1.1117% | 7,994 |
| Noninterest expense to average assets | 2.8794% | 4,611 |
| Loan and lease loss provision to assets | 1.1288% | 2,019 |
| Net operating income to assets | -2.3207% | 7,206 |
| Return on assets (ROA) | -1.9349% | 7,065 |
| Pretax return on assets | -1.9311% | 6,913 |
| Return on Equity (ROE) | -23.1988% | 7,240 |
| Retained earnings to average equity (ytd only) | -23.1988% | 7,208 |
| Net charge-offs to loans | 1.7287% | 1,448 |
| Credit loss provision to net charge-offs | 116.5680% | 4,652 |
| Earnings coverage of net charge-offs (x) | -1.2268% | 6,918 |
| Efficiency ratio | 170.2428% | 219 |
| Assets per employee ($millions) | 3.5748% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9159% | 833 |
| Loan loss allowance to noncurrent loans | 70.3640% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 7.0514% | 711 |
| Noncurrent loans to loans | 4.1440% | 1,770 |
| Net loans and leases to total assets | 56.0205% | 5,950 |
| Net loans and leases to deposits | 67.5735% | 5,878 |
| Net loans and leases to core deposits | 78.8218% | 6,194 |
| Total domestic deposits to total assets | 82.9030% | 4,562 |
| Equity capital to assets | 7.3021% | 7,198 |
| Core capital (leverage) ratio | 6.3353% | 7,543 |
| Tier 1 risk-based capital ratio | 10.0446% | 6,828 |
| Total risk-based capital ratio | 11.3092% | 6,789 |
| Memoranda: | ||
| Average total assets | $104,709,000 | 4,969 |
| Average earning assets | $90,009,000 | 5,118 |
| Average equity | $8,733,200 | 5,685 |
| Average total loans | $58,656,600 | 5,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9914% | 2,078 |
| Cost of funding earning assets | 2.6815% | 832 |
| Net interest margin | 3.3098% | 5,605 |
| Noninterest income to average assets | 0.1574% | 7,066 |
| Noninterest expense to average assets | 2.7464% | 5,120 |
| Loan and lease loss provision to assets | 0.4933% | 3,435 |
| Net operating income to assets | -0.2385% | 6,123 |
| Return on assets (ROA) | -0.2385% | 6,129 |
| Pretax return on assets | -0.2336% | 6,026 |
| Return on Equity (ROE) | -2.7818% | 6,211 |
| Retained earnings to average equity (ytd only) | -2.7818% | 5,894 |
| Net charge-offs to loans | 1.8003% | 1,125 |
| Credit loss provision to net charge-offs | 49.2519% | 6,320 |
| Earnings coverage of net charge-offs (x) | 0.2594% | 5,756 |
| Efficiency ratio | 91.3585% | 1,588 |
| Assets per employee ($millions) | 4.0201% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,077 |
| Loan loss allowance to noncurrent loans | 71.4091% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 6.4799% | 776 |
| Noncurrent loans to loans | 2.6361% | 2,869 |
| Net loans and leases to total assets | 52.3119% | 6,576 |
| Net loans and leases to deposits | 67.9525% | 6,126 |
| Net loans and leases to core deposits | 79.6046% | 6,387 |
| Total domestic deposits to total assets | 76.9831% | 6,338 |
| Equity capital to assets | 9.1587% | 5,241 |
| Core capital (leverage) ratio | 8.0055% | 6,345 |
| Tier 1 risk-based capital ratio | 12.2260% | 4,764 |
| Total risk-based capital ratio | 13.4797% | 4,706 |
| Memoranda: | ||
| Average total assets | $106,756,250 | 4,939 |
| Average earning assets | $91,885,750 | 5,101 |
| Average equity | $9,154,500 | 5,612 |
| Average total loans | $59,397,000 | 5,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9673% | 2,316 |
| Cost of funding earning assets | 2.7595% | 878 |
| Net interest margin | 3.2079% | 5,888 |
| Noninterest income to average assets | 0.3535% | 5,672 |
| Noninterest expense to average assets | 2.8391% | 4,781 |
| Loan and lease loss provision to assets | 0.7163% | 2,290 |
| Net operating income to assets | -0.4409% | 6,489 |
| Return on assets (ROA) | -0.4409% | 6,498 |
| Pretax return on assets | -0.4335% | 6,358 |
| Return on Equity (ROE) | -5.2579% | 6,639 |
| Retained earnings to average equity (ytd only) | -5.2579% | 6,344 |
| Net charge-offs to loans | 1.9894% | 930 |
| Credit loss provision to net charge-offs | 63.8474% | 5,527 |
| Earnings coverage of net charge-offs (x) | 0.2521% | 5,420 |
| Efficiency ratio | 90.9416% | 1,735 |
| Assets per employee ($millions) | 3.9910% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1761% | 1,279 |
| Loan loss allowance to noncurrent loans | 63.0667% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 6.8385% | 643 |
| Noncurrent loans to loans | 3.4504% | 2,039 |
| Net loans and leases to total assets | 49.8027% | 6,888 |
| Net loans and leases to deposits | 64.0592% | 6,555 |
| Net loans and leases to core deposits | 75.0408% | 6,731 |
| Total domestic deposits to total assets | 77.7448% | 6,143 |
| Equity capital to assets | 8.0931% | 6,640 |
| Core capital (leverage) ratio | 7.7624% | 6,657 |
| Tier 1 risk-based capital ratio | 11.6773% | 5,217 |
| Total risk-based capital ratio | 12.9327% | 5,145 |
| Memoranda: | ||
| Average total assets | $107,500,670 | 4,954 |
| Average earning assets | $92,771,670 | 5,100 |
| Average equity | $9,015,000 | 5,683 |
| Average total loans | $60,620,330 | 5,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2766% | 1,370 |
| Cost of funding earning assets | 2.8450% | 880 |
| Net interest margin | 3.4315% | 5,004 |
| Noninterest income to average assets | 0.4631% | 4,649 |
| Noninterest expense to average assets | 2.6382% | 5,281 |
| Loan and lease loss provision to assets | 1.4614% | 862 |
| Net operating income to assets | -0.6681% | 7,027 |
| Return on assets (ROA) | -0.6681% | 7,066 |
| Pretax return on assets | -0.6605% | 6,939 |
| Return on Equity (ROE) | -7.8218% | 7,226 |
| Retained earnings to average equity (ytd only) | -7.8218% | 6,896 |
| Net charge-offs to loans | 1.7668% | 821 |
| Credit loss provision to net charge-offs | 139.4928% | 2,918 |
| Earnings coverage of net charge-offs (x) | 0.7645% | 4,416 |
| Efficiency ratio | 76.7108% | 3,364 |
| Assets per employee ($millions) | 3.5940% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 740 |
| Loan loss allowance to noncurrent loans | 47.6843% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 7.3273% | 444 |
| Noncurrent loans to loans | 5.3172% | 995 |
| Net loans and leases to total assets | 57.7192% | 5,991 |
| Net loans and leases to deposits | 77.3262% | 5,038 |
| Net loans and leases to core deposits | 93.6691% | 5,188 |
| Total domestic deposits to total assets | 74.6438% | 6,779 |
| Equity capital to assets | 8.7290% | 5,723 |
| Core capital (leverage) ratio | 8.0893% | 6,313 |
| Tier 1 risk-based capital ratio | 11.5973% | 5,309 |
| Total risk-based capital ratio | 12.8582% | 5,203 |
| Memoranda: | ||
| Average total assets | $105,376,500 | 5,024 |
| Average earning assets | $91,387,500 | 5,170 |
| Average equity | $9,000,500 | 5,703 |
| Average total loans | $62,484,500 | 5,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4843% | 3,035 |
| Cost of funding earning assets | 3.3586% | 788 |
| Net interest margin | 3.1256% | 6,575 |
| Noninterest income to average assets | 1.0019% | 1,571 |
| Noninterest expense to average assets | 2.7686% | 4,961 |
| Loan and lease loss provision to assets | 1.0011% | 1,471 |
| Net operating income to assets | 0.0009% | 6,364 |
| Return on assets (ROA) | -0.0071% | 6,245 |
| Pretax return on assets | -0.0071% | 6,165 |
| Return on Equity (ROE) | -0.0885% | 6,247 |
| Retained earnings to average equity (ytd only) | -0.0885% | 5,295 |
| Net charge-offs to loans | 1.4567% | 800 |
| Credit loss provision to net charge-offs | 113.5000% | 4,755 |
| Earnings coverage of net charge-offs (x) | 1.1360% | 5,557 |
| Efficiency ratio | 73.4269% | 3,675 |
| Assets per employee ($millions) | 3.5509% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 855 |
| Loan loss allowance to noncurrent loans | 36.0307% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 7.2658% | 348 |
| Noncurrent loans to loans | 6.3894% | 510 |
| Net loans and leases to total assets | 58.0037% | 6,196 |
| Net loans and leases to deposits | 77.9279% | 5,349 |
| Net loans and leases to core deposits | 95.1185% | 5,337 |
| Total domestic deposits to total assets | 74.4325% | 6,571 |
| Equity capital to assets | 8.3576% | 6,331 |
| Core capital (leverage) ratio | 7.6736% | 6,972 |
| Tier 1 risk-based capital ratio | 11.6228% | 5,136 |
| Total risk-based capital ratio | 12.8808% | 5,016 |
| Memoranda: | ||
| Average total assets | $113,380,600 | 4,684 |
| Average earning assets | $100,427,400 | 4,794 |
| Average equity | $9,039,400 | 5,730 |
| Average total loans | $68,648,200 | 4,923 |