Home > The Bank Arlington > Performance and Condition Ratios
The Bank Arlington, Performance and Condition Ratios
| 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 | 4.3300% | 4,610 |
| Cost of funding earning assets | 0.5191% | 5,690 |
| Net interest margin | 3.8109% | 3,344 |
| Noninterest income to average assets | 0.5357% | 3,658 |
| Noninterest expense to average assets | 14.6355% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -10.6391% | 7,300 |
| Return on assets (ROA) | -10.0391% | 7,300 |
| Pretax return on assets | -10.0391% | 7,300 |
| Return on Equity (ROE) | -95.4297% | 7,265 |
| Retained earnings to average equity (ytd only) | -95.4297% | 7,261 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 366.2198% | 13 |
| Assets per employee ($millions) | 4.1496% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 3,903 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.5607% | 3,542 |
| Net loans and leases to deposits | 68.1831% | 4,024 |
| Net loans and leases to core deposits | 70.0889% | 4,406 |
| Total domestic deposits to total assets | 88.8208% | 1,805 |
| Equity capital to assets | 9.1790% | 5,263 |
| Core capital (leverage) ratio | 9.2774% | 4,401 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,998 |
| Total risk-based capital ratio | 17.3519% | 3,088 |
| Memoranda: | ||
| Average total assets | $37,334,000 | 6,758 |
| Average earning assets | $33,903,000 | 6,745 |
| Average equity | $3,927,500 | 6,742 |
| Average total loans | $22,035,000 | 6,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 5,872 |
| Cost of funding earning assets | 0.5777% | 6,202 |
| Net interest margin | 3.6867% | 4,358 |
| Noninterest income to average assets | 0.4256% | 4,401 |
| Noninterest expense to average assets | 3.5765% | 1,788 |
| Loan and lease loss provision to assets | -0.3534% | 7,324 |
| Net operating income to assets | 0.4903% | 4,466 |
| Return on assets (ROA) | 0.4903% | 4,673 |
| Pretax return on assets | 0.4903% | 5,022 |
| Return on Equity (ROE) | 4.5835% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.5835% | 2,916 |
| Net charge-offs to loans | -0.4937% | 7,276 |
| Credit loss provision to net charge-offs | 132.7103% | 2,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3137% | 808 |
| Assets per employee ($millions) | 4.1469% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 6,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 4,013 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.3341% | 4,643 |
| Net loans and leases to deposits | 64.0381% | 5,003 |
| Net loans and leases to core deposits | 66.8330% | 5,171 |
| Total domestic deposits to total assets | 87.9696% | 2,184 |
| Equity capital to assets | 11.8616% | 2,226 |
| Core capital (leverage) ratio | 11.2061% | 2,111 |
| Tier 1 risk-based capital ratio | 19.4787% | 1,771 |
| Total risk-based capital ratio | 20.4339% | 1,811 |
| Memoranda: | ||
| Average total assets | $40,179,200 | 6,668 |
| Average earning assets | $35,831,800 | 6,684 |
| Average equity | $4,298,000 | 6,655 |
| Average total loans | $21,673,800 | 6,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 6,181 |
| Cost of funding earning assets | 0.5905% | 6,326 |
| Net interest margin | 3.6200% | 4,693 |
| Noninterest income to average assets | 0.3880% | 4,753 |
| Noninterest expense to average assets | 3.5702% | 1,772 |
| Loan and lease loss provision to assets | -0.4891% | 7,408 |
| Net operating income to assets | 0.5249% | 4,437 |
| Return on assets (ROA) | 0.5249% | 4,614 |
| Pretax return on assets | 0.5249% | 5,060 |
| Return on Equity (ROE) | 5.0322% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.0322% | 3,151 |
| Net charge-offs to loans | -0.6549% | 7,361 |
| Credit loss provision to net charge-offs | 140.1869% | 2,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0054% | 695 |
| Assets per employee ($millions) | 4.4807% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 6,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 4,317 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.2840% | 5,924 |
| Net loans and leases to deposits | 54.2958% | 6,187 |
| Net loans and leases to core deposits | 56.4573% | 6,280 |
| Total domestic deposits to total assets | 88.9277% | 1,467 |
| Equity capital to assets | 10.7821% | 3,385 |
| Core capital (leverage) ratio | 10.8208% | 2,554 |
| Tier 1 risk-based capital ratio | 20.0065% | 1,682 |
| Total risk-based capital ratio | 20.9587% | 1,726 |
| Memoranda: | ||
| Average total assets | $40,893,500 | 6,699 |
| Average earning assets | $36,353,250 | 6,726 |
| Average equity | $4,265,750 | 6,719 |
| Average total loans | $21,782,500 | 6,630 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 6,276 |
| Cost of funding earning assets | 0.5886% | 6,508 |
| Net interest margin | 3.6117% | 4,673 |
| Noninterest income to average assets | 0.3895% | 4,761 |
| Noninterest expense to average assets | 3.9238% | 1,156 |
| Loan and lease loss provision to assets | -0.7302% | 7,489 |
| Net operating income to assets | 0.4820% | 4,585 |
| Return on assets (ROA) | 0.4820% | 4,728 |
| Pretax return on assets | 0.4820% | 5,130 |
| Return on Equity (ROE) | 4.6717% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.6717% | 3,210 |
| Net charge-offs to loans | -0.9874% | 7,439 |
| Credit loss provision to net charge-offs | 135.1351% | 2,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7550% | 543 |
| Assets per employee ($millions) | 4.5317% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 6,224 |
| Loan loss allowance to noncurrent loans | 262.5000% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 4,447 |
| Noncurrent loans to loans | 0.3916% | 6,119 |
| Net loans and leases to total assets | 49.5697% | 5,879 |
| Net loans and leases to deposits | 55.5397% | 6,174 |
| Net loans and leases to core deposits | 57.7150% | 6,292 |
| Total domestic deposits to total assets | 89.2510% | 1,384 |
| Equity capital to assets | 10.5333% | 3,463 |
| Core capital (leverage) ratio | 10.6252% | 2,593 |
| Tier 1 risk-based capital ratio | 19.9991% | 1,609 |
| Total risk-based capital ratio | 20.9835% | 1,638 |
| Memoranda: | ||
| Average total assets | $41,082,670 | 6,750 |
| Average earning assets | $37,378,330 | 6,747 |
| Average equity | $4,238,330 | 6,767 |
| Average total loans | $22,484,330 | 6,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 5,536 |
| Cost of funding earning assets | 0.6090% | 6,578 |
| Net interest margin | 3.8359% | 3,439 |
| Noninterest income to average assets | 0.4075% | 4,653 |
| Noninterest expense to average assets | 3.6962% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1940% | 5,801 |
| Return on assets (ROA) | 0.1940% | 5,861 |
| Pretax return on assets | 0.1940% | 5,951 |
| Return on Equity (ROE) | 1.9005% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.9005% | 4,986 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0125% | 982 |
| Assets per employee ($millions) | 4.5903% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 6,125 |
| Loan loss allowance to noncurrent loans | 311.2500% | 995 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 4,531 |
| Noncurrent loans to loans | 0.3467% | 6,298 |
| Net loans and leases to total assets | 55.2514% | 5,121 |
| Net loans and leases to deposits | 61.6736% | 5,547 |
| Net loans and leases to core deposits | 64.9093% | 5,633 |
| Total domestic deposits to total assets | 89.5868% | 1,434 |
| Equity capital to assets | 10.1978% | 3,542 |
| Core capital (leverage) ratio | 10.2880% | 2,813 |
| Tier 1 risk-based capital ratio | 17.8345% | 2,171 |
| Total risk-based capital ratio | 18.8951% | 2,209 |
| Memoranda: | ||
| Average total assets | $41,231,500 | 6,789 |
| Average earning assets | $37,435,500 | 6,789 |
| Average equity | $4,209,500 | 6,808 |
| Average total loans | $23,513,000 | 6,667 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 4,413 |
| Cost of funding earning assets | 0.7767% | 6,654 |
| Net interest margin | 4.2528% | 1,984 |
| Noninterest income to average assets | 0.2914% | 5,699 |
| Noninterest expense to average assets | 3.7615% | 1,558 |
| Loan and lease loss provision to assets | 0.0173% | 6,937 |
| Net operating income to assets | 0.3260% | 4,848 |
| Return on assets (ROA) | 0.3260% | 5,003 |
| Pretax return on assets | 0.3260% | 5,160 |
| Return on Equity (ROE) | 3.1850% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.1850% | 3,639 |
| Net charge-offs to loans | 0.1747% | 5,275 |
| Credit loss provision to net charge-offs | 16.2791% | 6,584 |
| Earnings coverage of net charge-offs (x) | 3.2326% | 3,460 |
| Efficiency ratio | 91.6366% | 1,205 |
| Assets per employee ($millions) | 4.5722% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 6,192 |
| Loan loss allowance to noncurrent loans | 311.2500% | 996 |
| Noncurrent assets plus other real estate owned to assets | 2.0802% | 3,245 |
| Noncurrent loans to loans | 0.3340% | 6,386 |
| Net loans and leases to total assets | 57.5990% | 5,083 |
| Net loans and leases to deposits | 64.2261% | 5,600 |
| Net loans and leases to core deposits | 67.5829% | 5,697 |
| Total domestic deposits to total assets | 89.6817% | 1,281 |
| Equity capital to assets | 10.2211% | 3,473 |
| Core capital (leverage) ratio | 10.0820% | 2,990 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,436 |
| Total risk-based capital ratio | 17.7706% | 2,486 |
| Memoranda: | ||
| Average total assets | $40,489,600 | 6,849 |
| Average earning assets | $36,305,200 | 6,865 |
| Average equity | $4,144,400 | 6,942 |
| Average total loans | $24,619,400 | 6,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 4,400 |
| Cost of funding earning assets | 0.8161% | 6,706 |
| Net interest margin | 4.2690% | 1,959 |
| Noninterest income to average assets | 0.2480% | 6,118 |
| Noninterest expense to average assets | 3.8189% | 1,345 |
| Loan and lease loss provision to assets | 0.0231% | 6,832 |
| Net operating income to assets | 0.2281% | 5,428 |
| Return on assets (ROA) | 0.2281% | 5,582 |
| Pretax return on assets | 0.2281% | 5,667 |
| Return on Equity (ROE) | 2.2281% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.2281% | 4,830 |
| Net charge-offs to loans | 0.2313% | 4,547 |
| Credit loss provision to net charge-offs | 16.2791% | 6,279 |
| Earnings coverage of net charge-offs (x) | 1.7675% | 4,391 |
| Efficiency ratio | 93.8262% | 1,008 |
| Assets per employee ($millions) | 4.8169% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,308 |
| Loan loss allowance to noncurrent loans | 311.2500% | 944 |
| Noncurrent assets plus other real estate owned to assets | 2.6458% | 2,739 |
| Noncurrent loans to loans | 0.3276% | 6,537 |
| Net loans and leases to total assets | 55.7598% | 5,578 |
| Net loans and leases to deposits | 61.8900% | 6,126 |
| Net loans and leases to core deposits | 64.5922% | 6,248 |
| Total domestic deposits to total assets | 90.0950% | 830 |
| Equity capital to assets | 9.6328% | 4,648 |
| Core capital (leverage) ratio | 10.1004% | 3,150 |
| Tier 1 risk-based capital ratio | 15.8309% | 2,850 |
| Total risk-based capital ratio | 16.7875% | 2,944 |
| Memoranda: | ||
| Average total assets | $40,324,500 | 6,933 |
| Average earning assets | $36,104,250 | 6,953 |
| Average equity | $4,129,000 | 7,039 |
| Average total loans | $24,786,500 | 6,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 4,153 |
| Cost of funding earning assets | 0.8663% | 6,705 |
| Net interest margin | 4.2916% | 1,808 |
| Noninterest income to average assets | 0.2035% | 6,450 |
| Noninterest expense to average assets | 3.7899% | 1,374 |
| Loan and lease loss provision to assets | 0.0356% | 6,601 |
| Net operating income to assets | 0.2086% | 5,531 |
| Return on assets (ROA) | 0.2086% | 5,664 |
| Pretax return on assets | 0.2086% | 5,753 |
| Return on Equity (ROE) | 1.9935% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.9935% | 4,865 |
| Net charge-offs to loans | -0.2248% | 7,658 |
| Credit loss provision to net charge-offs | -25.0000% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9470% | 1,070 |
| Assets per employee ($millions) | 4.0646% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 5,125 |
| Loan loss allowance to noncurrent loans | 211.9205% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 2.6546% | 2,720 |
| Noncurrent loans to loans | 0.5951% | 6,054 |
| Net loans and leases to total assets | 61.6420% | 4,753 |
| Net loans and leases to deposits | 68.8305% | 5,437 |
| Net loans and leases to core deposits | 72.6927% | 5,599 |
| Total domestic deposits to total assets | 89.5562% | 1,147 |
| Equity capital to assets | 10.2224% | 3,741 |
| Core capital (leverage) ratio | 10.4368% | 2,678 |
| Tier 1 risk-based capital ratio | 15.3124% | 3,002 |
| Total risk-based capital ratio | 16.5145% | 2,985 |
| Memoranda: | ||
| Average total assets | $39,315,330 | 7,019 |
| Average earning assets | $35,091,670 | 7,038 |
| Average equity | $4,113,330 | 7,069 |
| Average total loans | $24,908,000 | 6,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 4,336 |
| Cost of funding earning assets | 0.8938% | 6,795 |
| Net interest margin | 4.2483% | 1,859 |
| Noninterest income to average assets | -0.0207% | 7,701 |
| Noninterest expense to average assets | 3.7361% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0310% | 6,217 |
| Return on assets (ROA) | 0.0310% | 6,333 |
| Pretax return on assets | 0.0310% | 6,297 |
| Return on Equity (ROE) | 0.2932% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.2932% | 5,719 |
| Net charge-offs to loans | -0.7781% | 7,838 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1758% | 875 |
| Assets per employee ($millions) | 3.9848% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,718 |
| Loan loss allowance to noncurrent loans | 78.1690% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.7705% | 2,622 |
| Noncurrent loans to loans | 1.7181% | 4,168 |
| Net loans and leases to total assets | 61.3883% | 4,875 |
| Net loans and leases to deposits | 68.5633% | 5,530 |
| Net loans and leases to core deposits | 79.0167% | 4,889 |
| Total domestic deposits to total assets | 89.5352% | 1,219 |
| Equity capital to assets | 10.2841% | 3,494 |
| Core capital (leverage) ratio | 10.7168% | 2,444 |
| Tier 1 risk-based capital ratio | 15.7784% | 2,740 |
| Total risk-based capital ratio | 17.0288% | 2,684 |
| Memoranda: | ||
| Average total assets | $38,650,000 | 7,133 |
| Average earning assets | $34,460,500 | 7,149 |
| Average equity | $4,092,500 | 7,148 |
| Average total loans | $24,674,500 | 6,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,038 |
| Cost of funding earning assets | 1.1441% | 6,837 |
| Net interest margin | 4.3756% | 1,501 |
| Noninterest income to average assets | -0.5044% | 7,946 |
| Noninterest expense to average assets | 4.9390% | 542 |
| Loan and lease loss provision to assets | 0.5894% | 3,436 |
| Net operating income to assets | -2.2074% | 7,166 |
| Return on assets (ROA) | -2.1961% | 7,163 |
| Pretax return on assets | -2.1961% | 7,015 |
| Return on Equity (ROE) | -17.1970% | 7,040 |
| Retained earnings to average equity (ytd only) | -17.1970% | 6,995 |
| Net charge-offs to loans | 2.3284% | 999 |
| Credit loss provision to net charge-offs | 38.8785% | 6,835 |
| Earnings coverage of net charge-offs (x) | -1.0673% | 6,890 |
| Efficiency ratio | 148.7201% | 320 |
| Assets per employee ($millions) | 3.7452% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,583 |
| Loan loss allowance to noncurrent loans | 66.5888% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 3.8903% | 1,708 |
| Noncurrent loans to loans | 1.7431% | 4,025 |
| Net loans and leases to total assets | 64.8003% | 4,416 |
| Net loans and leases to deposits | 72.8558% | 5,214 |
| Net loans and leases to core deposits | 101.8807% | 3,811 |
| Total domestic deposits to total assets | 88.9432% | 1,504 |
| Equity capital to assets | 10.9126% | 2,766 |
| Core capital (leverage) ratio | 10.5336% | 2,570 |
| Tier 1 risk-based capital ratio | 15.5575% | 2,692 |
| Total risk-based capital ratio | 16.6564% | 2,713 |
| Memoranda: | ||
| Average total assets | $35,290,400 | 7,267 |
| Average earning assets | $30,853,000 | 7,320 |
| Average equity | $4,506,600 | 7,111 |
| Average total loans | $22,977,200 | 7,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 4,289 |
| Cost of funding earning assets | 1.1538% | 7,032 |
| Net interest margin | 4.3732% | 1,515 |
| Noninterest income to average assets | -0.2532% | 7,999 |
| Noninterest expense to average assets | 5.1797% | 432 |
| Loan and lease loss provision to assets | 0.5909% | 3,021 |
| Net operating income to assets | -2.2138% | 7,388 |
| Return on assets (ROA) | -2.1985% | 7,378 |
| Pretax return on assets | -2.1985% | 7,252 |
| Return on Equity (ROE) | -16.5668% | 7,260 |
| Retained earnings to average equity (ytd only) | -16.5668% | 7,214 |
| Net charge-offs to loans | 2.7453% | 651 |
| Credit loss provision to net charge-offs | 33.1183% | 6,484 |
| Earnings coverage of net charge-offs (x) | -0.9097% | 6,611 |
| Efficiency ratio | 145.6311% | 338 |
| Assets per employee ($millions) | 3.3970% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,631 |
| Loan loss allowance to noncurrent loans | 84.5506% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 5.3443% | 1,086 |
| Noncurrent loans to loans | 1.5114% | 4,390 |
| Net loans and leases to total assets | 62.2314% | 5,199 |
| Net loans and leases to deposits | 70.6336% | 5,830 |
| Net loans and leases to core deposits | 101.9912% | 4,156 |
| Total domestic deposits to total assets | 88.1045% | 1,610 |
| Equity capital to assets | 11.5396% | 2,551 |
| Core capital (leverage) ratio | 12.3363% | 1,647 |
| Tier 1 risk-based capital ratio | 16.1549% | 2,576 |
| Total risk-based capital ratio | 17.3045% | 2,542 |
| Memoranda: | ||
| Average total assets | $34,750,000 | 7,351 |
| Average earning assets | $30,274,500 | 7,406 |
| Average equity | $4,611,500 | 7,140 |
| Average total loans | $22,583,000 | 7,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 4,190 |
| Cost of funding earning assets | 1.1461% | 7,260 |
| Net interest margin | 4.4286% | 1,343 |
| Noninterest income to average assets | 0.5136% | 4,323 |
| Noninterest expense to average assets | 5.3605% | 412 |
| Loan and lease loss provision to assets | 0.6612% | 2,448 |
| Net operating income to assets | -1.6530% | 7,311 |
| Return on assets (ROA) | -1.6530% | 7,307 |
| Pretax return on assets | -1.6530% | 7,148 |
| Return on Equity (ROE) | -11.8862% | 7,166 |
| Retained earnings to average equity (ytd only) | -11.8862% | 7,050 |
| Net charge-offs to loans | 4.1781% | 326 |
| Credit loss provision to net charge-offs | 24.0860% | 6,086 |
| Earnings coverage of net charge-offs (x) | -0.3613% | 5,999 |
| Efficiency ratio | 122.7027% | 620 |
| Assets per employee ($millions) | 3.0074% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 4,685 |
| Loan loss allowance to noncurrent loans | 87.7966% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 6.4327% | 717 |
| Noncurrent loans to loans | 1.4100% | 4,390 |
| Net loans and leases to total assets | 62.4618% | 5,277 |
| Net loans and leases to deposits | 72.8365% | 5,627 |
| Net loans and leases to core deposits | 93.5316% | 5,170 |
| Total domestic deposits to total assets | 85.7562% | 2,904 |
| Equity capital to assets | 13.8750% | 1,356 |
| Core capital (leverage) ratio | 13.5082% | 1,269 |
| Tier 1 risk-based capital ratio | 17.6011% | 2,110 |
| Total risk-based capital ratio | 18.6130% | 2,136 |
| Memoranda: | ||
| Average total assets | $33,877,670 | 7,454 |
| Average earning assets | $29,490,330 | 7,500 |
| Average equity | $4,711,330 | 7,167 |
| Average total loans | $22,259,000 | 7,193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 5,374 |
| Cost of funding earning assets | 1.2199% | 7,250 |
| Net interest margin | 4.1899% | 1,937 |
| Noninterest income to average assets | 0.3851% | 5,338 |
| Noninterest expense to average assets | 5.2165% | 421 |
| Loan and lease loss provision to assets | 0.7819% | 1,645 |
| Net operating income to assets | -1.9255% | 7,638 |
| Return on assets (ROA) | -1.9255% | 7,640 |
| Pretax return on assets | -1.9255% | 7,514 |
| Return on Equity (ROE) | -13.8307% | 7,558 |
| Retained earnings to average equity (ytd only) | -13.8307% | 7,372 |
| Net charge-offs to loans | 8.1125% | 92 |
| Credit loss provision to net charge-offs | 14.4086% | 5,145 |
| Earnings coverage of net charge-offs (x) | -0.2108% | 5,139 |
| Efficiency ratio | 128.0802% | 524 |
| Assets per employee ($millions) | 2.8486% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,435 |
| Loan loss allowance to noncurrent loans | 49.0826% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 6.1083% | 642 |
| Noncurrent loans to loans | 1.9541% | 3,332 |
| Net loans and leases to total assets | 64.6462% | 4,872 |
| Net loans and leases to deposits | 75.1249% | 5,325 |
| Net loans and leases to core deposits | 102.4194% | 4,298 |
| Total domestic deposits to total assets | 86.0515% | 2,685 |
| Equity capital to assets | 13.7056% | 1,463 |
| Core capital (leverage) ratio | 13.6210% | 1,288 |
| Tier 1 risk-based capital ratio | 17.9787% | 2,059 |
| Total risk-based capital ratio | 18.8147% | 2,107 |
| Memoranda: | ||
| Average total assets | $34,276,000 | 7,483 |
| Average earning assets | $30,167,500 | 7,509 |
| Average equity | $4,772,000 | 7,197 |
| Average total loans | $22,927,500 | 7,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1354% | 4,862 |
| Cost of funding earning assets | 2.2326% | 5,447 |
| Net interest margin | 3.9028% | 3,547 |
| Noninterest income to average assets | 0.3366% | 6,046 |
| Noninterest expense to average assets | 4.5315% | 865 |
| Loan and lease loss provision to assets | 2.0806% | 567 |
| Net operating income to assets | -2.7507% | 7,768 |
| Return on assets (ROA) | -2.7507% | 7,742 |
| Pretax return on assets | -2.7507% | 7,651 |
| Return on Equity (ROE) | -16.9629% | 7,665 |
| Retained earnings to average equity (ytd only) | -16.9629% | 7,566 |
| Net charge-offs to loans | 0.8102% | 1,540 |
| Credit loss provision to net charge-offs | 365.5914% | 1,209 |
| Earnings coverage of net charge-offs (x) | -1.1774% | 6,621 |
| Efficiency ratio | 117.3534% | 604 |
| Assets per employee ($millions) | 2.8641% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 612 |
| Loan loss allowance to noncurrent loans | 20.7880% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 8.5659% | 252 |
| Noncurrent loans to loans | 12.5048% | 114 |
| Net loans and leases to total assets | 66.7200% | 4,702 |
| Net loans and leases to deposits | 77.8853% | 5,358 |
| Net loans and leases to core deposits | 102.3568% | 4,571 |
| Total domestic deposits to total assets | 85.6644% | 2,555 |
| Equity capital to assets | 14.1377% | 1,391 |
| Core capital (leverage) ratio | 13.2882% | 1,446 |
| Tier 1 risk-based capital ratio | 18.8537% | 1,846 |
| Total risk-based capital ratio | 20.1159% | 1,796 |
| Memoranda: | ||
| Average total assets | $32,682,400 | 7,525 |
| Average earning assets | $29,517,000 | 7,542 |
| Average equity | $5,299,800 | 7,042 |
| Average total loans | $22,956,400 | 7,141 |