Home > Superior Bank > Performance and Condition Ratios
Superior Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 3,856 |
| Cost of funding earning assets | 1.2001% | 824 |
| Net interest margin | 3.2784% | 5,506 |
| Noninterest income to average assets | 0.2312% | 5,919 |
| Noninterest expense to average assets | 3.1897% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3024% | 6,618 |
| Return on assets (ROA) | 0.0237% | 6,431 |
| Pretax return on assets | 0.0237% | 6,419 |
| Return on Equity (ROE) | 0.1919% | 6,434 |
| Retained earnings to average equity (ytd only) | 0.1919% | 5,979 |
| Net charge-offs to loans | -0.4510% | 7,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4723% | 324 |
| Assets per employee ($millions) | 2.9691% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9214% | 2,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,457 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.0453% | 5,091 |
| Net loans and leases to deposits | 59.6693% | 5,269 |
| Net loans and leases to core deposits | 64.4792% | 5,158 |
| Total domestic deposits to total assets | 87.2229% | 2,636 |
| Equity capital to assets | 12.6607% | 1,710 |
| Core capital (leverage) ratio | 12.2521% | 1,469 |
| Tier 1 risk-based capital ratio | 28.0794% | 638 |
| Total risk-based capital ratio | 29.4042% | 622 |
| Memoranda: | ||
| Average total assets | $33,733,670 | 6,792 |
| Average earning assets | $27,330,000 | 6,871 |
| Average equity | $4,169,000 | 6,637 |
| Average total loans | $17,737,000 | 6,660 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 2,622 |
| Cost of funding earning assets | 1.1028% | 1,398 |
| Net interest margin | 3.7013% | 3,824 |
| Noninterest income to average assets | 0.2451% | 5,885 |
| Noninterest expense to average assets | 3.3498% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2451% | 6,671 |
| Return on assets (ROA) | 0.0934% | 6,372 |
| Pretax return on assets | 0.0934% | 6,393 |
| Return on Equity (ROE) | 0.7645% | 6,390 |
| Retained earnings to average equity (ytd only) | 0.7645% | 5,751 |
| Net charge-offs to loans | -0.8919% | 7,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8947% | 373 |
| Assets per employee ($millions) | 3.1519% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 2,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 5,627 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 50.5581% | 5,226 |
| Net loans and leases to deposits | 61.5874% | 4,975 |
| Net loans and leases to core deposits | 67.2692% | 4,765 |
| Total domestic deposits to total assets | 82.0917% | 5,265 |
| Equity capital to assets | 12.0245% | 2,021 |
| Core capital (leverage) ratio | 11.9952% | 1,592 |
| Tier 1 risk-based capital ratio | 26.6705% | 753 |
| Total risk-based capital ratio | 27.9863% | 739 |
| Memoranda: | ||
| Average total assets | $34,270,500 | 6,838 |
| Average earning assets | $26,477,000 | 6,948 |
| Average equity | $4,186,000 | 6,670 |
| Average total loans | $17,940,000 | 6,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 3,551 |
| Cost of funding earning assets | 0.9962% | 3,408 |
| Net interest margin | 3.8622% | 3,510 |
| Noninterest income to average assets | 0.2242% | 5,930 |
| Noninterest expense to average assets | 3.3184% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1046% | 5,856 |
| Return on assets (ROA) | 0.1046% | 5,973 |
| Pretax return on assets | 0.1046% | 5,963 |
| Return on Equity (ROE) | 0.8313% | 5,997 |
| Retained earnings to average equity (ytd only) | 0.8313% | 5,475 |
| Net charge-offs to loans | 0.2919% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.6364% | 5,348 |
| Efficiency ratio | 96.9432% | 771 |
| Assets per employee ($millions) | 3.3870% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,485 |
| Loan loss allowance to noncurrent loans | 665.9091% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 5,385 |
| Noncurrent loans to loans | 0.2442% | 6,247 |
| Net loans and leases to total assets | 52.3324% | 5,259 |
| Net loans and leases to deposits | 64.1536% | 4,990 |
| Net loans and leases to core deposits | 69.5780% | 4,838 |
| Total domestic deposits to total assets | 81.5737% | 5,276 |
| Equity capital to assets | 12.4092% | 1,850 |
| Core capital (leverage) ratio | 12.0303% | 1,572 |
| Tier 1 risk-based capital ratio | 26.5300% | 737 |
| Total risk-based capital ratio | 27.6421% | 737 |
| Memoranda: | ||
| Average total assets | $33,450,000 | 6,873 |
| Average earning assets | $27,704,600 | 6,932 |
| Average equity | $4,210,200 | 6,696 |
| Average total loans | $18,844,000 | 6,716 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 2,972 |
| Cost of funding earning assets | 1.0168% | 3,552 |
| Net interest margin | 4.0083% | 2,886 |
| Noninterest income to average assets | 0.2279% | 5,985 |
| Noninterest expense to average assets | 3.0229% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4678% | 4,683 |
| Return on assets (ROA) | 0.4678% | 4,876 |
| Pretax return on assets | 0.4678% | 5,266 |
| Return on Equity (ROE) | 3.7037% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.7037% | 4,111 |
| Net charge-offs to loans | -0.0490% | 7,048 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5979% | 1,475 |
| Assets per employee ($millions) | 3.3267% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,615 |
| Loan loss allowance to noncurrent loans | 108.9231% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3737% | 4,072 |
| Noncurrent loans to loans | 1.7425% | 3,711 |
| Net loans and leases to total assets | 55.0005% | 4,996 |
| Net loans and leases to deposits | 67.9681% | 4,612 |
| Net loans and leases to core deposits | 73.1149% | 4,573 |
| Total domestic deposits to total assets | 80.9210% | 5,461 |
| Equity capital to assets | 12.9498% | 1,638 |
| Core capital (leverage) ratio | 12.2387% | 1,571 |
| Tier 1 risk-based capital ratio | 26.5598% | 782 |
| Total risk-based capital ratio | 27.8784% | 749 |
| Memoranda: | ||
| Average total assets | $33,345,000 | 6,946 |
| Average earning assets | $27,143,000 | 7,018 |
| Average equity | $4,212,000 | 6,737 |
| Average total loans | $19,050,500 | 6,774 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 3,290 |
| Cost of funding earning assets | 0.9817% | 4,073 |
| Net interest margin | 3.9929% | 2,870 |
| Noninterest income to average assets | 0.2217% | 6,087 |
| Noninterest expense to average assets | 2.9966% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4914% | 4,538 |
| Return on assets (ROA) | 0.4914% | 4,675 |
| Pretax return on assets | 0.4914% | 5,101 |
| Return on Equity (ROE) | 3.9234% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,695 |
| Net charge-offs to loans | -0.0209% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9107% | 1,609 |
| Assets per employee ($millions) | 3.3883% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 2,814 |
| Loan loss allowance to noncurrent loans | 202.3121% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 5,067 |
| Noncurrent loans to loans | 0.9167% | 5,137 |
| Net loans and leases to total assets | 54.6675% | 5,198 |
| Net loans and leases to deposits | 67.0346% | 4,849 |
| Net loans and leases to core deposits | 74.8797% | 4,458 |
| Total domestic deposits to total assets | 81.5512% | 5,334 |
| Equity capital to assets | 12.4369% | 1,821 |
| Core capital (leverage) ratio | 12.2008% | 1,505 |
| Tier 1 risk-based capital ratio | 26.0547% | 809 |
| Total risk-based capital ratio | 27.3777% | 784 |
| Memoranda: | ||
| Average total assets | $33,371,000 | 7,001 |
| Average earning assets | $27,298,670 | 7,076 |
| Average equity | $4,180,000 | 6,796 |
| Average total loans | $19,183,670 | 6,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 3,764 |
| Cost of funding earning assets | 1.1145% | 3,426 |
| Net interest margin | 3.7475% | 3,851 |
| Noninterest income to average assets | 0.2295% | 6,081 |
| Noninterest expense to average assets | 2.7057% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7731% | 3,153 |
| Return on assets (ROA) | 0.7731% | 3,225 |
| Pretax return on assets | 0.7731% | 4,002 |
| Return on Equity (ROE) | 6.1494% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.1494% | 2,546 |
| Net charge-offs to loans | -0.0207% | 6,579 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,877 |
| Assets per employee ($millions) | 3.0410% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,916 |
| Loan loss allowance to noncurrent loans | 200.5747% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 5,068 |
| Noncurrent loans to loans | 0.9131% | 5,215 |
| Net loans and leases to total assets | 55.9206% | 5,004 |
| Net loans and leases to deposits | 68.7089% | 4,572 |
| Net loans and leases to core deposits | 76.8529% | 4,182 |
| Total domestic deposits to total assets | 81.3877% | 5,541 |
| Equity capital to assets | 12.5348% | 1,613 |
| Core capital (leverage) ratio | 12.4483% | 1,347 |
| Tier 1 risk-based capital ratio | 25.8558% | 801 |
| Total risk-based capital ratio | 27.1754% | 777 |
| Memoranda: | ||
| Average total assets | $33,115,000 | 7,069 |
| Average earning assets | $28,712,500 | 7,087 |
| Average equity | $4,163,000 | 6,824 |
| Average total loans | $19,339,000 | 6,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 3,578 |
| Cost of funding earning assets | 1.1785% | 4,685 |
| Net interest margin | 4.0264% | 2,900 |
| Noninterest income to average assets | 1.4164% | 725 |
| Noninterest expense to average assets | 3.5988% | 1,928 |
| Loan and lease loss provision to assets | 0.2280% | 4,996 |
| Net operating income to assets | 1.1307% | 1,609 |
| Return on assets (ROA) | 0.7660% | 3,058 |
| Pretax return on assets | 0.7660% | 3,740 |
| Return on Equity (ROE) | 6.1959% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.2785% | 4,910 |
| Net charge-offs to loans | 0.8315% | 2,555 |
| Credit loss provision to net charge-offs | 43.6047% | 6,340 |
| Earnings coverage of net charge-offs (x) | 2.5988% | 3,800 |
| Efficiency ratio | 72.5935% | 3,680 |
| Assets per employee ($millions) | 2.9799% | 6,148 |
| Cash dividends to net income (ytd only)* | 79.3651% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,949 |
| Loan loss allowance to noncurrent loans | 69.0476% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 4,005 |
| Noncurrent loans to loans | 2.5684% | 2,958 |
| Net loans and leases to total assets | 58.8029% | 4,895 |
| Net loans and leases to deposits | 72.4597% | 4,436 |
| Net loans and leases to core deposits | 81.2742% | 4,013 |
| Total domestic deposits to total assets | 81.1526% | 5,472 |
| Equity capital to assets | 12.6087% | 1,576 |
| Core capital (leverage) ratio | 12.1836% | 1,441 |
| Tier 1 risk-based capital ratio | 25.4906% | 803 |
| Total risk-based capital ratio | 26.8112% | 771 |
| Memoranda: | ||
| Average total assets | $32,900,200 | 7,117 |
| Average earning assets | $28,934,000 | 7,129 |
| Average equity | $4,067,200 | 6,973 |
| Average total loans | $20,686,200 | 6,890 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 3,258 |
| Cost of funding earning assets | 1.2318% | 4,680 |
| Net interest margin | 4.0875% | 2,682 |
| Noninterest income to average assets | 0.2915% | 5,794 |
| Noninterest expense to average assets | 3.1176% | 3,251 |
| Loan and lease loss provision to assets | 0.3037% | 4,148 |
| Net operating income to assets | 0.4575% | 4,504 |
| Return on assets (ROA) | -0.0203% | 6,158 |
| Pretax return on assets | -0.0203% | 6,118 |
| Return on Equity (ROE) | -0.1647% | 6,157 |
| Retained earnings to average equity (ytd only) | -0.1647% | 5,821 |
| Net charge-offs to loans | 1.1072% | 1,836 |
| Credit loss provision to net charge-offs | 43.1034% | 5,978 |
| Earnings coverage of net charge-offs (x) | 1.0805% | 4,974 |
| Efficiency ratio | 80.3758% | 2,288 |
| Assets per employee ($millions) | 2.9740% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 3,083 |
| Loan loss allowance to noncurrent loans | 73.6170% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 4,301 |
| Noncurrent loans to loans | 2.3418% | 3,298 |
| Net loans and leases to total assets | 60.2922% | 4,850 |
| Net loans and leases to deposits | 74.3096% | 4,453 |
| Net loans and leases to core deposits | 83.3326% | 4,044 |
| Total domestic deposits to total assets | 81.1365% | 5,323 |
| Equity capital to assets | 12.6062% | 1,806 |
| Core capital (leverage) ratio | 12.0827% | 1,626 |
| Tier 1 risk-based capital ratio | 24.4088% | 902 |
| Total risk-based capital ratio | 25.7272% | 882 |
| Memoranda: | ||
| Average total assets | $32,930,500 | 7,208 |
| Average earning assets | $28,900,000 | 7,217 |
| Average equity | $4,050,750 | 7,068 |
| Average total loans | $20,952,000 | 6,963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 3,240 |
| Cost of funding earning assets | 1.2307% | 4,955 |
| Net interest margin | 4.1139% | 2,490 |
| Noninterest income to average assets | 0.3878% | 5,010 |
| Noninterest expense to average assets | 3.2543% | 2,711 |
| Loan and lease loss provision to assets | 0.3333% | 3,735 |
| Net operating income to assets | 0.4060% | 4,730 |
| Return on assets (ROA) | -0.1273% | 6,336 |
| Pretax return on assets | -0.1273% | 6,274 |
| Return on Equity (ROE) | -1.0431% | 6,321 |
| Retained earnings to average equity (ytd only) | -1.0431% | 5,979 |
| Net charge-offs to loans | 1.7980% | 1,038 |
| Credit loss provision to net charge-offs | 28.7958% | 5,752 |
| Earnings coverage of net charge-offs (x) | 0.6387% | 5,101 |
| Efficiency ratio | 81.4871% | 2,236 |
| Assets per employee ($millions) | 2.9987% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 3,987 |
| Loan loss allowance to noncurrent loans | 64.2412% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 4,276 |
| Noncurrent loans to loans | 2.3163% | 3,350 |
| Net loans and leases to total assets | 62.0172% | 4,681 |
| Net loans and leases to deposits | 76.0172% | 4,335 |
| Net loans and leases to core deposits | 85.1063% | 3,975 |
| Total domestic deposits to total assets | 81.5831% | 5,161 |
| Equity capital to assets | 12.1840% | 1,989 |
| Core capital (leverage) ratio | 11.9388% | 1,678 |
| Tier 1 risk-based capital ratio | 24.3855% | 903 |
| Total risk-based capital ratio | 25.7025% | 879 |
| Memoranda: | ||
| Average total assets | $33,002,670 | 7,258 |
| Average earning assets | $28,926,670 | 7,264 |
| Average equity | $4,026,330 | 7,116 |
| Average total loans | $21,246,000 | 7,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 3,065 |
| Cost of funding earning assets | 1.3759% | 4,323 |
| Net interest margin | 4.0177% | 2,801 |
| Noninterest income to average assets | 0.3877% | 5,016 |
| Noninterest expense to average assets | 3.3928% | 2,256 |
| Loan and lease loss provision to assets | 0.6301% | 2,015 |
| Net operating income to assets | -0.0969% | 6,429 |
| Return on assets (ROA) | -0.0969% | 6,505 |
| Pretax return on assets | -0.0969% | 6,465 |
| Return on Equity (ROE) | -0.7940% | 6,501 |
| Retained earnings to average equity (ytd only) | -0.7940% | 6,012 |
| Net charge-offs to loans | 3.5744% | 392 |
| Credit loss provision to net charge-offs | 27.0833% | 4,860 |
| Earnings coverage of net charge-offs (x) | 0.2292% | 4,838 |
| Efficiency ratio | 86.4198% | 1,748 |
| Assets per employee ($millions) | 2.5217% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,240 |
| Loan loss allowance to noncurrent loans | 48.4897% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 3,607 |
| Noncurrent loans to loans | 2.9581% | 2,715 |
| Net loans and leases to total assets | 63.9345% | 4,345 |
| Net loans and leases to deposits | 78.4629% | 3,951 |
| Net loans and leases to core deposits | 84.8130% | 4,084 |
| Total domestic deposits to total assets | 81.4837% | 5,277 |
| Equity capital to assets | 12.2689% | 1,897 |
| Core capital (leverage) ratio | 12.0723% | 1,616 |
| Tier 1 risk-based capital ratio | 23.3014% | 1,033 |
| Total risk-based capital ratio | 23.3014% | 1,180 |
| Memoranda: | ||
| Average total assets | $33,011,000 | 7,345 |
| Average earning assets | $29,071,500 | 7,350 |
| Average equity | $4,030,000 | 7,173 |
| Average total loans | $21,486,000 | 7,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2195% | 1,191 |
| Cost of funding earning assets | 1.7143% | 4,435 |
| Net interest margin | 4.5052% | 1,171 |
| Noninterest income to average assets | 0.1675% | 6,881 |
| Noninterest expense to average assets | 3.4952% | 2,387 |
| Loan and lease loss provision to assets | 1.2646% | 1,825 |
| Net operating income to assets | -0.3968% | 6,078 |
| Return on assets (ROA) | 0.0642% | 5,353 |
| Pretax return on assets | 0.1703% | 5,072 |
| Return on Equity (ROE) | 0.5758% | 5,364 |
| Retained earnings to average equity (ytd only) | -3.1796% | 5,732 |
| Net charge-offs to loans | 0.7165% | 3,037 |
| Credit loss provision to net charge-offs | 292.2581% | 1,141 |
| Earnings coverage of net charge-offs (x) | 1.6516% | 4,497 |
| Efficiency ratio | 83.0239% | 2,471 |
| Assets per employee ($millions) | 2.5569% | 7,109 |
| Cash dividends to net income (ytd only)* | 652.1739% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0453% | 1,925 |
| Loan loss allowance to noncurrent loans | 66.1699% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 3,374 |
| Noncurrent loans to loans | 3.0910% | 2,471 |
| Net loans and leases to total assets | 63.9711% | 4,601 |
| Net loans and leases to deposits | 78.3666% | 4,305 |
| Net loans and leases to core deposits | 87.2047% | 5,413 |
| Total domestic deposits to total assets | 81.6306% | 5,093 |
| Equity capital to assets | 12.1480% | 1,940 |
| Core capital (leverage) ratio | 11.8811% | 1,717 |
| Tier 1 risk-based capital ratio | 22.8073% | 1,062 |
| Total risk-based capital ratio | 24.1280% | 1,031 |
| Memoranda: | ||
| Average total assets | $35,820,400 | 7,252 |
| Average earning assets | $32,140,600 | 7,251 |
| Average equity | $3,994,200 | 7,295 |
| Average total loans | $21,631,600 | 7,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 706 |
| Cost of funding earning assets | 1.8912% | 3,925 |
| Net interest margin | 4.6379% | 928 |
| Noninterest income to average assets | 0.1792% | 6,940 |
| Noninterest expense to average assets | 3.5247% | 2,214 |
| Loan and lease loss provision to assets | 1.4954% | 1,283 |
| Net operating income to assets | -0.5227% | 6,448 |
| Return on assets (ROA) | 0.0366% | 5,678 |
| Pretax return on assets | 0.1755% | 5,350 |
| Return on Equity (ROE) | 0.3347% | 5,679 |
| Retained earnings to average equity (ytd only) | -4.6861% | 6,212 |
| Net charge-offs to loans | 0.5675% | 2,982 |
| Credit loss provision to net charge-offs | 444.5652% | 889 |
| Earnings coverage of net charge-offs (x) | 2.3696% | 4,048 |
| Efficiency ratio | 81.5567% | 2,641 |
| Assets per employee ($millions) | 2.5548% | 7,135 |
| Cash dividends to net income (ytd only)* | 1,500.3751% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,534 |
| Loan loss allowance to noncurrent loans | 54.5882% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 2.5593% | 2,715 |
| Noncurrent loans to loans | 3.9102% | 1,884 |
| Net loans and leases to total assets | 64.0552% | 4,862 |
| Net loans and leases to deposits | 78.5888% | 4,641 |
| Net loans and leases to core deposits | 87.1278% | 5,739 |
| Total domestic deposits to total assets | 81.5067% | 4,875 |
| Equity capital to assets | 12.2516% | 2,096 |
| Core capital (leverage) ratio | 11.2195% | 2,247 |
| Tier 1 risk-based capital ratio | 21.9371% | 1,233 |
| Total risk-based capital ratio | 23.2554% | 1,205 |
| Memoranda: | ||
| Average total assets | $36,465,500 | 7,293 |
| Average earning assets | $32,571,500 | 7,304 |
| Average equity | $3,983,250 | 7,368 |
| Average total loans | $21,612,500 | 7,169 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6541% | 597 |
| Cost of funding earning assets | 1.9190% | 4,168 |
| Net interest margin | 4.7351% | 755 |
| Noninterest income to average assets | 0.1598% | 7,133 |
| Noninterest expense to average assets | 3.0519% | 3,872 |
| Loan and lease loss provision to assets | 0.3356% | 3,929 |
| Net operating income to assets | 1.0173% | 2,047 |
| Return on assets (ROA) | 0.5166% | 4,142 |
| Pretax return on assets | 0.5166% | 4,564 |
| Return on Equity (ROE) | 4.9056% | 4,115 |
| Retained earnings to average equity (ytd only) | -2.6804% | 5,907 |
| Net charge-offs to loans | 0.8716% | 1,952 |
| Credit loss provision to net charge-offs | 67.0213% | 5,476 |
| Earnings coverage of net charge-offs (x) | 2.7021% | 3,730 |
| Efficiency ratio | 69.2866% | 4,923 |
| Assets per employee ($millions) | 2.7365% | 6,762 |
| Cash dividends to net income (ytd only)* | 154.6392% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 7,731 |
| Loan loss allowance to noncurrent loans | 16.0665% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 3,161 |
| Noncurrent loans to loans | 3.4033% | 2,070 |
| Net loans and leases to total assets | 59.3102% | 5,790 |
| Net loans and leases to deposits | 78.1792% | 4,841 |
| Net loans and leases to core deposits | 88.3247% | 5,692 |
| Total domestic deposits to total assets | 75.8644% | 6,581 |
| Equity capital to assets | 11.5028% | 2,540 |
| Core capital (leverage) ratio | 10.9483% | 2,447 |
| Tier 1 risk-based capital ratio | 18.2674% | 1,942 |
| Total risk-based capital ratio | 18.7822% | 2,097 |
| Memoranda: | ||
| Average total assets | $37,550,000 | 7,310 |
| Average earning assets | $33,663,670 | 7,333 |
| Average equity | $3,954,670 | 7,435 |
| Average total loans | $21,570,670 | 7,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7391% | 545 |
| Cost of funding earning assets | 1.9502% | 4,380 |
| Net interest margin | 4.7889% | 628 |
| Noninterest income to average assets | 0.1453% | 7,250 |
| Noninterest expense to average assets | 3.1449% | 3,208 |
| Loan and lease loss provision to assets | 0.4463% | 2,692 |
| Net operating income to assets | 0.8615% | 2,874 |
| Return on assets (ROA) | -0.1142% | 6,544 |
| Pretax return on assets | -0.1142% | 6,491 |
| Return on Equity (ROE) | -1.1323% | 6,560 |
| Retained earnings to average equity (ytd only) | -16.5723% | 7,518 |
| Net charge-offs to loans | -0.0552% | 7,724 |
| Credit loss provision to net charge-offs | -1,433.3333% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6294% | 4,445 |
| Assets per employee ($millions) | 2.9916% | 6,182 |
| Cash dividends to net income (ytd only)* | -1,363.6364% | 8,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,826 |
| Loan loss allowance to noncurrent loans | 39.1481% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,140 |
| Noncurrent loans to loans | 2.2482% | 2,933 |
| Net loans and leases to total assets | 55.8895% | 6,254 |
| Net loans and leases to deposits | 74.7764% | 5,385 |
| Net loans and leases to core deposits | 83.2957% | 6,122 |
| Total domestic deposits to total assets | 74.7422% | 6,754 |
| Equity capital to assets | 9.8660% | 4,161 |
| Core capital (leverage) ratio | 10.0866% | 3,309 |
| Tier 1 risk-based capital ratio | 17.2454% | 2,255 |
| Total risk-based capital ratio | 18.0758% | 2,327 |
| Memoranda: | ||
| Average total assets | $38,538,000 | 7,316 |
| Average earning assets | $34,663,500 | 7,321 |
| Average equity | $3,886,000 | 7,493 |
| Average total loans | $21,748,500 | 7,261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5938% | 2,516 |
| Cost of funding earning assets | 2.1959% | 5,619 |
| Net interest margin | 4.3979% | 1,690 |
| Noninterest income to average assets | 0.2919% | 6,378 |
| Noninterest expense to average assets | 2.9246% | 4,360 |
| Loan and lease loss provision to assets | 0.1785% | 5,109 |
| Net operating income to assets | 1.2583% | 1,611 |
| Return on assets (ROA) | 1.3149% | 1,399 |
| Pretax return on assets | 1.3149% | 2,263 |
| Return on Equity (ROE) | 11.7130% | 1,679 |
| Retained earnings to average equity (ytd only) | 1.7418% | 4,163 |
| Net charge-offs to loans | 0.2386% | 3,866 |
| Credit loss provision to net charge-offs | 131.2500% | 4,057 |
| Earnings coverage of net charge-offs (x) | 10.5625% | 2,496 |
| Efficiency ratio | 67.0565% | 4,900 |
| Assets per employee ($millions) | 3.4714% | 4,746 |
| Cash dividends to net income (ytd only)* | 85.1293% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 7,474 |
| Loan loss allowance to noncurrent loans | 49.4949% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 4,902 |
| Noncurrent loans to loans | 1.3770% | 3,765 |
| Net loans and leases to total assets | 56.0979% | 6,427 |
| Net loans and leases to deposits | 77.6968% | 5,379 |
| Net loans and leases to core deposits | 84.9669% | 6,214 |
| Total domestic deposits to total assets | 72.2011% | 6,964 |
| Equity capital to assets | 10.3051% | 3,706 |
| Core capital (leverage) ratio | 10.8330% | 2,721 |
| Tier 1 risk-based capital ratio | 17.1269% | 2,271 |
| Total risk-based capital ratio | 17.7309% | 2,420 |
| Memoranda: | ||
| Average total assets | $35,286,800 | 7,410 |
| Average earning assets | $32,652,000 | 7,381 |
| Average equity | $3,961,400 | 7,526 |
| Average total loans | $20,117,400 | 7,329 |