Home > The Bank of Perry > Performance and Condition Ratios
The Bank of Perry, Performance and Condition Ratios
| 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 | 4.4486% | 2,076 |
| Cost of funding earning assets | 0.2556% | 5,264 |
| Net interest margin | 4.1930% | 1,326 |
| Noninterest income to average assets | 0.8027% | 1,868 |
| Noninterest expense to average assets | 4.0502% | 712 |
| Loan and lease loss provision to assets | 0.7615% | 164 |
| Net operating income to assets | -0.1322% | 6,176 |
| Return on assets (ROA) | -0.1331% | 6,178 |
| Pretax return on assets | -0.1331% | 6,156 |
| Return on Equity (ROE) | -1.9437% | 6,210 |
| Retained earnings to average equity (ytd only) | -1.9437% | 6,003 |
| Net charge-offs to loans | 1.2523% | 211 |
| Credit loss provision to net charge-offs | 79.5247% | 2,877 |
| Earnings coverage of net charge-offs (x) | 0.6572% | 4,598 |
| Efficiency ratio | 86.5507% | 1,111 |
| Assets per employee ($millions) | 4.8513% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 3,908 |
| Loan loss allowance to noncurrent loans | 7.6885% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 15.7190% | 30 |
| Noncurrent loans to loans | 15.8081% | 19 |
| Net loans and leases to total assets | 75.3212% | 1,360 |
| Net loans and leases to deposits | 88.8828% | 1,628 |
| Net loans and leases to core deposits | 89.6643% | 2,314 |
| Total domestic deposits to total assets | 84.7422% | 3,400 |
| Equity capital to assets | 6.8529% | 6,345 |
| Core capital (leverage) ratio | 7.1787% | 6,277 |
| Tier 1 risk-based capital ratio | 9.3950% | 6,365 |
| Total risk-based capital ratio | 10.5998% | 6,350 |
| Memoranda: | ||
| Average total assets | $114,241,600 | 4,294 |
| Average earning assets | $105,627,600 | 4,279 |
| Average equity | $7,820,000 | 5,244 |
| Average total loans | $87,357,000 | 3,691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 1,823 |
| Cost of funding earning assets | 0.2586% | 5,325 |
| Net interest margin | 4.2546% | 1,144 |
| Noninterest income to average assets | 0.8092% | 1,858 |
| Noninterest expense to average assets | 4.0928% | 693 |
| Loan and lease loss provision to assets | 0.9968% | 111 |
| Net operating income to assets | -0.3448% | 6,327 |
| Return on assets (ROA) | -0.3459% | 6,326 |
| Pretax return on assets | -0.3459% | 6,312 |
| Return on Equity (ROE) | -5.0554% | 6,372 |
| Retained earnings to average equity (ytd only) | -5.0554% | 6,256 |
| Net charge-offs to loans | 1.6566% | 132 |
| Credit loss provision to net charge-offs | 78.6309% | 2,622 |
| Earnings coverage of net charge-offs (x) | 0.5143% | 4,366 |
| Efficiency ratio | 86.2580% | 1,161 |
| Assets per employee ($millions) | 4.8500% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 4,273 |
| Loan loss allowance to noncurrent loans | 7.6326% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 16.0316% | 31 |
| Noncurrent loans to loans | 15.6222% | 27 |
| Net loans and leases to total assets | 76.3155% | 1,179 |
| Net loans and leases to deposits | 89.8037% | 1,445 |
| Net loans and leases to core deposits | 90.5913% | 2,168 |
| Total domestic deposits to total assets | 84.9804% | 3,344 |
| Equity capital to assets | 6.5970% | 6,433 |
| Core capital (leverage) ratio | 6.9846% | 6,382 |
| Tier 1 risk-based capital ratio | 9.0771% | 6,472 |
| Total risk-based capital ratio | 10.2536% | 6,473 |
| Memoranda: | ||
| Average total assets | $113,694,000 | 4,340 |
| Average earning assets | $105,170,250 | 4,325 |
| Average equity | $7,780,250 | 5,295 |
| Average total loans | $87,002,000 | 3,728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,755 |
| Cost of funding earning assets | 0.2641% | 5,343 |
| Net interest margin | 4.2598% | 1,111 |
| Noninterest income to average assets | 0.7589% | 2,009 |
| Noninterest expense to average assets | 4.1262% | 654 |
| Loan and lease loss provision to assets | 0.8068% | 151 |
| Net operating income to assets | -0.2270% | 6,333 |
| Return on assets (ROA) | -0.2287% | 6,344 |
| Pretax return on assets | -0.2287% | 6,327 |
| Return on Equity (ROE) | -3.3018% | 6,386 |
| Retained earnings to average equity (ytd only) | -3.3018% | 6,116 |
| Net charge-offs to loans | 1.4227% | 202 |
| Credit loss provision to net charge-offs | 74.3464% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.5343% | 4,026 |
| Efficiency ratio | 87.6790% | 1,114 |
| Assets per employee ($millions) | 4.9160% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,211 |
| Loan loss allowance to noncurrent loans | 7.8757% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 15.2172% | 34 |
| Noncurrent loans to loans | 15.7646% | 29 |
| Net loans and leases to total assets | 77.2607% | 1,012 |
| Net loans and leases to deposits | 91.0131% | 1,269 |
| Net loans and leases to core deposits | 92.0321% | 1,940 |
| Total domestic deposits to total assets | 84.8896% | 3,568 |
| Equity capital to assets | 6.6975% | 6,478 |
| Core capital (leverage) ratio | 6.9763% | 6,435 |
| Tier 1 risk-based capital ratio | 9.0856% | 6,533 |
| Total risk-based capital ratio | 10.3199% | 6,525 |
| Memoranda: | ||
| Average total assets | $112,791,670 | 4,390 |
| Average earning assets | $104,512,330 | 4,354 |
| Average equity | $7,814,000 | 5,307 |
| Average total loans | $86,034,670 | 3,765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 1,496 |
| Cost of funding earning assets | 0.2789% | 5,293 |
| Net interest margin | 4.3253% | 953 |
| Noninterest income to average assets | 0.5227% | 3,250 |
| Noninterest expense to average assets | 4.1780% | 615 |
| Loan and lease loss provision to assets | 0.5445% | 255 |
| Net operating income to assets | -0.2033% | 6,355 |
| Return on assets (ROA) | -0.2069% | 6,363 |
| Pretax return on assets | -0.2069% | 6,349 |
| Return on Equity (ROE) | -2.9344% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.9344% | 5,957 |
| Net charge-offs to loans | 1.5971% | 197 |
| Credit loss provision to net charge-offs | 45.3172% | 2,256 |
| Earnings coverage of net charge-offs (x) | 0.2840% | 3,382 |
| Efficiency ratio | 92.4498% | 848 |
| Assets per employee ($millions) | 4.4448% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 3,956 |
| Loan loss allowance to noncurrent loans | 19.3849% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 8.6492% | 141 |
| Noncurrent loans to loans | 6.8615% | 230 |
| Net loans and leases to total assets | 74.9037% | 1,135 |
| Net loans and leases to deposits | 80.7413% | 2,197 |
| Net loans and leases to core deposits | 81.8602% | 2,749 |
| Total domestic deposits to total assets | 92.7700% | 137 |
| Equity capital to assets | 7.0356% | 6,440 |
| Core capital (leverage) ratio | 7.5975% | 6,307 |
| Tier 1 risk-based capital ratio | 9.9250% | 6,493 |
| Total risk-based capital ratio | 11.1754% | 6,470 |
| Memoranda: | ||
| Average total assets | $110,195,000 | 4,482 |
| Average earning assets | $101,819,500 | 4,458 |
| Average equity | $7,770,000 | 5,351 |
| Average total loans | $82,901,000 | 3,862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 2,066 |
| Cost of funding earning assets | 0.3435% | 5,207 |
| Net interest margin | 4.1952% | 1,364 |
| Noninterest income to average assets | 1.1907% | 1,001 |
| Noninterest expense to average assets | 3.8715% | 1,031 |
| Loan and lease loss provision to assets | 0.1837% | 2,004 |
| Net operating income to assets | 1.0290% | 2,207 |
| Return on assets (ROA) | 1.0225% | 2,297 |
| Pretax return on assets | 1.0225% | 3,255 |
| Return on Equity (ROE) | 14.4594% | 857 |
| Retained earnings to average equity (ytd only) | 14.4594% | 186 |
| Net charge-offs to loans | 0.7802% | 807 |
| Credit loss provision to net charge-offs | 32.3102% | 4,201 |
| Earnings coverage of net charge-offs (x) | 2.1325% | 4,319 |
| Efficiency ratio | 76.1475% | 2,751 |
| Assets per employee ($millions) | 4.5529% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 2,762 |
| Loan loss allowance to noncurrent loans | 18.2621% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 9.4381% | 140 |
| Noncurrent loans to loans | 8.7603% | 155 |
| Net loans and leases to total assets | 73.3449% | 1,463 |
| Net loans and leases to deposits | 79.0562% | 2,579 |
| Net loans and leases to core deposits | 80.2106% | 3,105 |
| Total domestic deposits to total assets | 92.7757% | 158 |
| Equity capital to assets | 7.0669% | 6,443 |
| Core capital (leverage) ratio | 7.8719% | 6,209 |
| Tier 1 risk-based capital ratio | 10.2669% | 6,446 |
| Total risk-based capital ratio | 11.5206% | 6,397 |
| Memoranda: | ||
| Average total assets | $108,846,600 | 4,524 |
| Average earning assets | $101,019,800 | 4,482 |
| Average equity | $7,697,400 | 5,415 |
| Average total loans | $79,333,800 | 3,956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 2,177 |
| Cost of funding earning assets | 0.3658% | 5,137 |
| Net interest margin | 4.1479% | 1,489 |
| Noninterest income to average assets | 1.2911% | 886 |
| Noninterest expense to average assets | 3.9506% | 906 |
| Loan and lease loss provision to assets | 0.0736% | 3,588 |
| Net operating income to assets | 1.1182% | 1,942 |
| Return on assets (ROA) | 1.0913% | 2,117 |
| Pretax return on assets | 1.0913% | 3,149 |
| Return on Equity (ROE) | 15.4284% | 724 |
| Retained earnings to average equity (ytd only) | 15.4284% | 179 |
| Net charge-offs to loans | 0.4162% | 1,545 |
| Credit loss provision to net charge-offs | 24.3902% | 3,992 |
| Earnings coverage of net charge-offs (x) | 3.9512% | 3,576 |
| Efficiency ratio | 76.8240% | 2,592 |
| Assets per employee ($millions) | 5.2059% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,030 |
| Loan loss allowance to noncurrent loans | 21.4286% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 9.1087% | 170 |
| Noncurrent loans to loans | 8.8177% | 182 |
| Net loans and leases to total assets | 72.9529% | 1,463 |
| Net loans and leases to deposits | 80.5598% | 2,333 |
| Net loans and leases to core deposits | 81.5574% | 2,932 |
| Total domestic deposits to total assets | 90.5574% | 720 |
| Equity capital to assets | 7.0213% | 6,547 |
| Core capital (leverage) ratio | 7.7237% | 6,364 |
| Tier 1 risk-based capital ratio | 10.0050% | 6,595 |
| Total risk-based capital ratio | 11.2618% | 6,560 |
| Memoranda: | ||
| Average total assets | $108,740,750 | 4,562 |
| Average earning assets | $100,963,250 | 4,527 |
| Average equity | $7,691,250 | 5,473 |
| Average total loans | $78,805,500 | 4,010 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,322 |
| Cost of funding earning assets | 0.3991% | 4,956 |
| Net interest margin | 4.0680% | 1,639 |
| Noninterest income to average assets | 1.5017% | 692 |
| Noninterest expense to average assets | 4.0444% | 824 |
| Loan and lease loss provision to assets | 0.0553% | 3,898 |
| Net operating income to assets | 1.1774% | 1,650 |
| Return on assets (ROA) | 1.1571% | 1,828 |
| Pretax return on assets | 1.1571% | 2,855 |
| Return on Equity (ROE) | 16.3195% | 630 |
| Retained earnings to average equity (ytd only) | 16.3195% | 182 |
| Net charge-offs to loans | 0.3642% | 1,743 |
| Credit loss provision to net charge-offs | 21.1268% | 3,712 |
| Earnings coverage of net charge-offs (x) | 4.7113% | 3,058 |
| Efficiency ratio | 76.6411% | 2,693 |
| Assets per employee ($millions) | 4.8337% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0851% | 1,665 |
| Loan loss allowance to noncurrent loans | 25.3623% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 8.7013% | 208 |
| Noncurrent loans to loans | 8.2214% | 243 |
| Net loans and leases to total assets | 71.0949% | 1,711 |
| Net loans and leases to deposits | 76.7489% | 2,763 |
| Net loans and leases to core deposits | 77.7065% | 3,334 |
| Total domestic deposits to total assets | 92.6331% | 165 |
| Equity capital to assets | 7.1487% | 6,563 |
| Core capital (leverage) ratio | 7.4324% | 6,485 |
| Tier 1 risk-based capital ratio | 10.1144% | 6,607 |
| Total risk-based capital ratio | 11.3735% | 6,581 |
| Memoranda: | ||
| Average total assets | $108,546,330 | 4,592 |
| Average earning assets | $100,737,670 | 4,563 |
| Average equity | $7,696,330 | 5,516 |
| Average total loans | $77,977,000 | 4,043 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,402 |
| Cost of funding earning assets | 0.4285% | 4,830 |
| Net interest margin | 4.0058% | 1,757 |
| Noninterest income to average assets | 1.1528% | 1,130 |
| Noninterest expense to average assets | 3.7684% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1017% | 1,847 |
| Return on assets (ROA) | 1.0616% | 2,103 |
| Pretax return on assets | 1.0616% | 3,103 |
| Return on Equity (ROE) | 15.0320% | 761 |
| Retained earnings to average equity (ytd only) | 15.0320% | 348 |
| Net charge-offs to loans | 0.3931% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.9221% | 2,644 |
| Efficiency ratio | 77.3783% | 2,711 |
| Assets per employee ($millions) | 5.3304% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1219% | 1,748 |
| Loan loss allowance to noncurrent loans | 23.1137% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 8.9889% | 249 |
| Noncurrent loans to loans | 9.1803% | 255 |
| Net loans and leases to total assets | 67.7875% | 2,053 |
| Net loans and leases to deposits | 74.8626% | 2,791 |
| Net loans and leases to core deposits | 75.7777% | 3,351 |
| Total domestic deposits to total assets | 90.5492% | 743 |
| Equity capital to assets | 7.0173% | 6,709 |
| Core capital (leverage) ratio | 6.9979% | 6,643 |
| Tier 1 risk-based capital ratio | 9.8638% | 6,710 |
| Total risk-based capital ratio | 11.1248% | 6,695 |
| Memoranda: | ||
| Average total assets | $109,649,000 | 4,619 |
| Average earning assets | $101,751,500 | 4,570 |
| Average equity | $7,743,500 | 5,567 |
| Average total loans | $78,359,000 | 4,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 2,851 |
| Cost of funding earning assets | 0.5980% | 4,375 |
| Net interest margin | 4.0409% | 2,235 |
| Noninterest income to average assets | 0.6230% | 3,151 |
| Noninterest expense to average assets | 3.6765% | 1,462 |
| Loan and lease loss provision to assets | 0.4501% | 1,399 |
| Net operating income to assets | 0.2362% | 5,679 |
| Return on assets (ROA) | 0.2941% | 5,699 |
| Pretax return on assets | 0.2941% | 5,830 |
| Return on Equity (ROE) | 4.4161% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,122 |
| Net charge-offs to loans | 1.1841% | 857 |
| Credit loss provision to net charge-offs | 52.0619% | 4,643 |
| Earnings coverage of net charge-offs (x) | 0.7938% | 5,077 |
| Efficiency ratio | 84.2697% | 1,595 |
| Assets per employee ($millions) | 3.7021% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 1,596 |
| Loan loss allowance to noncurrent loans | 23.9900% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 9.2427% | 257 |
| Noncurrent loans to loans | 9.0639% | 286 |
| Net loans and leases to total assets | 72.1600% | 1,459 |
| Net loans and leases to deposits | 79.8530% | 2,301 |
| Net loans and leases to core deposits | 80.6024% | 2,928 |
| Total domestic deposits to total assets | 90.3661% | 766 |
| Equity capital to assets | 7.1088% | 6,751 |
| Core capital (leverage) ratio | 6.5292% | 6,787 |
| Tier 1 risk-based capital ratio | 9.2981% | 6,826 |
| Total risk-based capital ratio | 10.5594% | 6,822 |
| Memoranda: | ||
| Average total assets | $112,199,200 | 4,543 |
| Average earning assets | $103,838,000 | 4,496 |
| Average equity | $7,472,600 | 5,647 |
| Average total loans | $81,916,800 | 3,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 2,816 |
| Cost of funding earning assets | 0.6353% | 4,315 |
| Net interest margin | 4.0623% | 2,245 |
| Noninterest income to average assets | 0.6431% | 3,027 |
| Noninterest expense to average assets | 3.5869% | 1,578 |
| Loan and lease loss provision to assets | 0.5937% | 941 |
| Net operating income to assets | 0.2210% | 5,862 |
| Return on assets (ROA) | 0.2410% | 5,998 |
| Pretax return on assets | 0.2410% | 6,066 |
| Return on Equity (ROE) | 3.6774% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.6774% | 4,299 |
| Net charge-offs to loans | 1.1299% | 891 |
| Credit loss provision to net charge-offs | 72.1429% | 3,847 |
| Earnings coverage of net charge-offs (x) | 0.9900% | 4,826 |
| Efficiency ratio | 81.4904% | 1,869 |
| Assets per employee ($millions) | 3.7270% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5156% | 1,192 |
| Loan loss allowance to noncurrent loans | 26.6917% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 9.2881% | 283 |
| Noncurrent loans to loans | 9.4245% | 282 |
| Net loans and leases to total assets | 69.0412% | 2,103 |
| Net loans and leases to deposits | 76.0437% | 2,980 |
| Net loans and leases to core deposits | 77.5439% | 3,524 |
| Total domestic deposits to total assets | 90.7915% | 482 |
| Equity capital to assets | 6.7185% | 6,917 |
| Core capital (leverage) ratio | 6.6424% | 6,858 |
| Tier 1 risk-based capital ratio | 9.0631% | 6,936 |
| Total risk-based capital ratio | 10.3285% | 6,937 |
| Memoranda: | ||
| Average total assets | $113,409,000 | 4,560 |
| Average earning assets | $104,929,250 | 4,515 |
| Average equity | $7,432,750 | 5,715 |
| Average total loans | $82,597,750 | 4,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 2,854 |
| Cost of funding earning assets | 0.6760% | 4,217 |
| Net interest margin | 4.0407% | 2,335 |
| Noninterest income to average assets | 0.7934% | 2,218 |
| Noninterest expense to average assets | 3.5720% | 1,637 |
| Loan and lease loss provision to assets | 0.1668% | 3,438 |
| Net operating income to assets | 0.7899% | 3,432 |
| Return on assets (ROA) | 0.8197% | 3,560 |
| Pretax return on assets | 0.8197% | 4,404 |
| Return on Equity (ROE) | 12.6108% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.6108% | 489 |
| Net charge-offs to loans | 0.7428% | 1,484 |
| Credit loss provision to net charge-offs | 30.5466% | 4,433 |
| Earnings coverage of net charge-offs (x) | 1.7524% | 4,107 |
| Efficiency ratio | 78.8760% | 2,340 |
| Assets per employee ($millions) | 3.7217% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4442% | 1,358 |
| Loan loss allowance to noncurrent loans | 24.8707% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 10.0169% | 263 |
| Noncurrent loans to loans | 9.8278% | 283 |
| Net loans and leases to total assets | 70.4588% | 1,832 |
| Net loans and leases to deposits | 79.7009% | 2,421 |
| Net loans and leases to core deposits | 81.3190% | 3,046 |
| Total domestic deposits to total assets | 88.4040% | 1,882 |
| Equity capital to assets | 6.8759% | 6,930 |
| Core capital (leverage) ratio | 6.7109% | 6,885 |
| Tier 1 risk-based capital ratio | 9.1919% | 6,959 |
| Total risk-based capital ratio | 10.4550% | 6,958 |
| Memoranda: | ||
| Average total assets | $113,942,000 | 4,568 |
| Average earning assets | $105,327,330 | 4,523 |
| Average equity | $7,406,330 | 5,741 |
| Average total loans | $83,734,670 | 3,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 3,299 |
| Cost of funding earning assets | 0.7288% | 4,039 |
| Net interest margin | 3.9144% | 2,865 |
| Noninterest income to average assets | 0.5700% | 3,422 |
| Noninterest expense to average assets | 3.4478% | 1,884 |
| Loan and lease loss provision to assets | 0.1738% | 3,228 |
| Net operating income to assets | 0.5700% | 4,494 |
| Return on assets (ROA) | 0.5700% | 4,719 |
| Pretax return on assets | 0.5700% | 5,215 |
| Return on Equity (ROE) | 9.0221% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.0221% | 1,585 |
| Net charge-offs to loans | 0.7458% | 1,367 |
| Credit loss provision to net charge-offs | 31.4465% | 3,601 |
| Earnings coverage of net charge-offs (x) | 1.3459% | 3,659 |
| Efficiency ratio | 82.2554% | 1,905 |
| Assets per employee ($millions) | 3.8255% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4385% | 1,449 |
| Loan loss allowance to noncurrent loans | 24.7528% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 10.0206% | 299 |
| Noncurrent loans to loans | 9.8512% | 318 |
| Net loans and leases to total assets | 72.4443% | 1,325 |
| Net loans and leases to deposits | 81.4228% | 2,005 |
| Net loans and leases to core deposits | 83.0354% | 2,682 |
| Total domestic deposits to total assets | 88.9730% | 1,706 |
| Equity capital to assets | 6.4410% | 7,026 |
| Core capital (leverage) ratio | 6.3097% | 6,994 |
| Tier 1 risk-based capital ratio | 8.3555% | 7,079 |
| Total risk-based capital ratio | 9.6191% | 7,078 |
| Memoranda: | ||
| Average total assets | $115,087,500 | 4,561 |
| Average earning assets | $106,480,000 | 4,533 |
| Average equity | $7,271,000 | 5,796 |
| Average total loans | $85,282,500 | 3,966 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,556 |
| Cost of funding earning assets | 0.9358% | 3,834 |
| Net interest margin | 3.9220% | 3,246 |
| Noninterest income to average assets | 0.4257% | 4,399 |
| Noninterest expense to average assets | 3.5847% | 1,773 |
| Loan and lease loss provision to assets | 0.5979% | 1,730 |
| Net operating income to assets | -0.1459% | 6,199 |
| Return on assets (ROA) | 0.0882% | 6,007 |
| Pretax return on assets | 0.0882% | 5,987 |
| Return on Equity (ROE) | 1.4419% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.4419% | 5,175 |
| Net charge-offs to loans | 0.9758% | 1,770 |
| Credit loss provision to net charge-offs | 83.0389% | 4,326 |
| Earnings coverage of net charge-offs (x) | 0.6278% | 5,354 |
| Efficiency ratio | 88.8025% | 1,289 |
| Assets per employee ($millions) | 3.8470% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5625% | 1,235 |
| Loan loss allowance to noncurrent loans | 29.4228% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 8.9099% | 410 |
| Noncurrent loans to loans | 8.7092% | 420 |
| Net loans and leases to total assets | 72.0555% | 1,640 |
| Net loans and leases to deposits | 80.6963% | 2,409 |
| Net loans and leases to core deposits | 82.2788% | 3,140 |
| Total domestic deposits to total assets | 89.2922% | 1,370 |
| Equity capital to assets | 6.1953% | 7,077 |
| Core capital (leverage) ratio | 6.1930% | 7,035 |
| Tier 1 risk-based capital ratio | 8.2291% | 7,099 |
| Total risk-based capital ratio | 9.4953% | 7,102 |
| Memoranda: | ||
| Average total assets | $117,918,800 | 4,461 |
| Average earning assets | $108,566,000 | 4,432 |
| Average equity | $7,212,800 | 5,802 |
| Average total loans | $87,006,200 | 3,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 3,676 |
| Cost of funding earning assets | 0.9653% | 3,926 |
| Net interest margin | 3.9054% | 3,356 |
| Noninterest income to average assets | 0.5219% | 3,712 |
| Noninterest expense to average assets | 3.6609% | 1,580 |
| Loan and lease loss provision to assets | 0.2587% | 3,433 |
| Net operating income to assets | 0.1923% | 5,720 |
| Return on assets (ROA) | 0.5028% | 4,721 |
| Pretax return on assets | 0.5028% | 5,149 |
| Return on Equity (ROE) | 8.2450% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.2450% | 1,412 |
| Net charge-offs to loans | 0.7839% | 1,990 |
| Credit loss provision to net charge-offs | 44.7471% | 5,151 |
| Earnings coverage of net charge-offs (x) | 0.7801% | 5,030 |
| Efficiency ratio | 89.0317% | 1,246 |
| Assets per employee ($millions) | 3.8387% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4111% | 1,519 |
| Loan loss allowance to noncurrent loans | 34.4207% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 7.6874% | 603 |
| Noncurrent loans to loans | 7.0049% | 706 |
| Net loans and leases to total assets | 71.9430% | 1,718 |
| Net loans and leases to deposits | 80.9622% | 2,529 |
| Net loans and leases to core deposits | 82.3585% | 3,269 |
| Total domestic deposits to total assets | 88.8600% | 1,511 |
| Equity capital to assets | 6.5212% | 7,132 |
| Core capital (leverage) ratio | 6.3726% | 7,090 |
| Tier 1 risk-based capital ratio | 8.7883% | 7,136 |
| Total risk-based capital ratio | 10.0525% | 7,139 |
| Memoranda: | ||
| Average total assets | $118,545,750 | 4,470 |
| Average earning assets | $108,973,500 | 4,453 |
| Average equity | $7,228,500 | 5,838 |
| Average total loans | $87,421,000 | 3,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 3,723 |
| Cost of funding earning assets | 0.9846% | 4,055 |
| Net interest margin | 3.8928% | 3,350 |
| Noninterest income to average assets | 0.8991% | 1,649 |
| Noninterest expense to average assets | 3.6566% | 1,614 |
| Loan and lease loss provision to assets | 0.3092% | 2,941 |
| Net operating income to assets | 0.5014% | 4,493 |
| Return on assets (ROA) | 0.7437% | 3,443 |
| Pretax return on assets | 0.7437% | 4,235 |
| Return on Equity (ROE) | 12.4743% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.4743% | 461 |
| Net charge-offs to loans | 0.8067% | 1,890 |
| Credit loss provision to net charge-offs | 51.9663% | 4,534 |
| Earnings coverage of net charge-offs (x) | 1.3624% | 4,260 |
| Efficiency ratio | 81.8556% | 2,120 |
| Assets per employee ($millions) | 3.7988% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5541% | 1,360 |
| Loan loss allowance to noncurrent loans | 39.1517% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 8.4357% | 522 |
| Noncurrent loans to loans | 6.5237% | 850 |
| Net loans and leases to total assets | 69.9793% | 2,222 |
| Net loans and leases to deposits | 78.4272% | 3,050 |
| Net loans and leases to core deposits | 79.9404% | 3,795 |
| Total domestic deposits to total assets | 89.2283% | 1,399 |
| Equity capital to assets | 6.2915% | 7,212 |
| Core capital (leverage) ratio | 6.2208% | 7,164 |
| Tier 1 risk-based capital ratio | 8.7104% | 7,201 |
| Total risk-based capital ratio | 9.9765% | 7,202 |
| Memoranda: | ||
| Average total assets | $119,673,670 | 4,466 |
| Average earning assets | $109,689,670 | 4,458 |
| Average equity | $7,134,670 | 5,884 |
| Average total loans | $88,262,000 | 3,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9028% | 3,579 |
| Cost of funding earning assets | 1.0023% | 4,190 |
| Net interest margin | 3.9005% | 3,137 |
| Noninterest income to average assets | 0.7560% | 2,235 |
| Noninterest expense to average assets | 3.3856% | 2,320 |
| Loan and lease loss provision to assets | 0.4642% | 1,899 |
| Net operating income to assets | 0.4808% | 4,571 |
| Return on assets (ROA) | 0.7295% | 3,446 |
| Pretax return on assets | 0.7295% | 4,191 |
| Return on Equity (ROE) | 12.5759% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.5759% | 660 |
| Net charge-offs to loans | 0.7191% | 1,777 |
| Credit loss provision to net charge-offs | 86.4198% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.7593% | 3,425 |
| Efficiency ratio | 78.1776% | 2,817 |
| Assets per employee ($millions) | 3.7634% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5996% | 1,313 |
| Loan loss allowance to noncurrent loans | 43.6154% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 7.9980% | 594 |
| Noncurrent loans to loans | 5.9602% | 1,063 |
| Net loans and leases to total assets | 71.8376% | 1,754 |
| Net loans and leases to deposits | 79.8999% | 2,738 |
| Net loans and leases to core deposits | 81.3974% | 3,541 |
| Total domestic deposits to total assets | 89.9095% | 1,203 |
| Equity capital to assets | 5.7594% | 7,310 |
| Core capital (leverage) ratio | 5.9572% | 7,259 |
| Tier 1 risk-based capital ratio | 8.1859% | 7,281 |
| Total risk-based capital ratio | 9.4524% | 7,282 |
| Memoranda: | ||
| Average total assets | $120,629,500 | 4,460 |
| Average earning assets | $110,549,000 | 4,453 |
| Average equity | $6,997,500 | 5,927 |
| Average total loans | $90,108,500 | 3,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 4,191 |
| Cost of funding earning assets | 1.3936% | 3,310 |
| Net interest margin | 3.6845% | 4,422 |
| Noninterest income to average assets | 0.6703% | 3,017 |
| Noninterest expense to average assets | 3.7501% | 1,590 |
| Loan and lease loss provision to assets | 0.6416% | 2,571 |
| Net operating income to assets | -0.3372% | 6,251 |
| Return on assets (ROA) | -0.3116% | 6,266 |
| Pretax return on assets | -0.3116% | 6,169 |
| Return on Equity (ROE) | -5.4059% | 6,469 |
| Retained earnings to average equity (ytd only) | -5.4059% | 6,341 |
| Net charge-offs to loans | 1.3206% | 1,693 |
| Credit loss provision to net charge-offs | 64.6067% | 5,991 |
| Earnings coverage of net charge-offs (x) | 0.3066% | 5,802 |
| Efficiency ratio | 92.4907% | 1,148 |
| Assets per employee ($millions) | 3.7759% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 1,347 |
| Loan loss allowance to noncurrent loans | 52.5592% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 7.0761% | 764 |
| Noncurrent loans to loans | 4.8526% | 1,418 |
| Net loans and leases to total assets | 73.7100% | 1,716 |
| Net loans and leases to deposits | 82.0396% | 2,793 |
| Net loans and leases to core deposits | 83.8059% | 3,626 |
| Total domestic deposits to total assets | 89.8468% | 1,191 |
| Equity capital to assets | 5.8421% | 7,364 |
| Core capital (leverage) ratio | 5.7704% | 7,337 |
| Tier 1 risk-based capital ratio | 7.7708% | 7,365 |
| Total risk-based capital ratio | 9.0376% | 7,368 |
| Memoranda: | ||
| Average total assets | $125,462,600 | 4,364 |
| Average earning assets | $115,239,400 | 4,338 |
| Average equity | $7,232,800 | 5,955 |
| Average total loans | $94,347,600 | 3,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 4,523 |
| Cost of funding earning assets | 1.4705% | 3,139 |
| Net interest margin | 3.5921% | 4,907 |
| Noninterest income to average assets | 0.6592% | 3,077 |
| Noninterest expense to average assets | 3.6244% | 1,735 |
| Loan and lease loss provision to assets | 0.3580% | 3,747 |
| Net operating income to assets | -0.0232% | 6,043 |
| Return on assets (ROA) | -0.0232% | 6,166 |
| Pretax return on assets | -0.0232% | 6,123 |
| Return on Equity (ROE) | -0.4031% | 6,201 |
| Retained earnings to average equity (ytd only) | -0.4031% | 5,890 |
| Net charge-offs to loans | 1.1091% | 1,835 |
| Credit loss provision to net charge-offs | 42.9836% | 5,979 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 5,624 |
| Efficiency ratio | 91.5426% | 1,164 |
| Assets per employee ($millions) | 3.8073% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5125% | 1,306 |
| Loan loss allowance to noncurrent loans | 49.2154% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 7.4199% | 711 |
| Noncurrent loans to loans | 5.1051% | 1,346 |
| Net loans and leases to total assets | 73.9172% | 1,824 |
| Net loans and leases to deposits | 82.7152% | 2,962 |
| Net loans and leases to core deposits | 83.9403% | 3,945 |
| Total domestic deposits to total assets | 89.3635% | 1,192 |
| Equity capital to assets | 6.2642% | 7,453 |
| Core capital (leverage) ratio | 5.9130% | 7,446 |
| Tier 1 risk-based capital ratio | 7.8302% | 7,495 |
| Total risk-based capital ratio | 9.0948% | 7,496 |
| Memoranda: | ||
| Average total assets | $126,621,000 | 4,403 |
| Average earning assets | $116,325,750 | 4,377 |
| Average equity | $7,276,250 | 6,020 |
| Average total loans | $95,086,000 | 3,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 4,935 |
| Cost of funding earning assets | 1.5016% | 3,250 |
| Net interest margin | 3.4997% | 5,244 |
| Noninterest income to average assets | 0.6083% | 3,276 |
| Noninterest expense to average assets | 3.5830% | 1,825 |
| Loan and lease loss provision to assets | 0.5304% | 2,667 |
| Net operating income to assets | -0.2839% | 6,456 |
| Return on assets (ROA) | -0.2839% | 6,504 |
| Pretax return on assets | -0.2839% | 6,410 |
| Return on Equity (ROE) | -5.0855% | 6,703 |
| Retained earnings to average equity (ytd only) | -5.0855% | 6,563 |
| Net charge-offs to loans | 0.9668% | 1,913 |
| Credit loss provision to net charge-offs | 73.2759% | 4,882 |
| Earnings coverage of net charge-offs (x) | 0.3405% | 5,383 |
| Efficiency ratio | 93.5642% | 1,090 |
| Assets per employee ($millions) | 3.7301% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 970 |
| Loan loss allowance to noncurrent loans | 60.6922% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 7.1020% | 743 |
| Noncurrent loans to loans | 4.6691% | 1,536 |
| Net loans and leases to total assets | 71.5927% | 2,515 |
| Net loans and leases to deposits | 79.5389% | 3,679 |
| Net loans and leases to core deposits | 80.9147% | 4,563 |
| Total domestic deposits to total assets | 90.0097% | 915 |
| Equity capital to assets | 5.7576% | 7,565 |
| Core capital (leverage) ratio | 5.6038% | 7,539 |
| Tier 1 risk-based capital ratio | 7.7538% | 7,541 |
| Total risk-based capital ratio | 9.0239% | 7,549 |
| Memoranda: | ||
| Average total assets | $128,216,330 | 4,397 |
| Average earning assets | $118,011,330 | 4,366 |
| Average equity | $7,157,670 | 6,088 |
| Average total loans | $95,988,670 | 4,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 5,481 |
| Cost of funding earning assets | 1.5108% | 3,486 |
| Net interest margin | 3.3843% | 5,641 |
| Noninterest income to average assets | 0.5275% | 3,832 |
| Noninterest expense to average assets | 3.3883% | 2,267 |
| Loan and lease loss provision to assets | 0.8688% | 1,470 |
| Net operating income to assets | -0.6020% | 6,899 |
| Return on assets (ROA) | -0.6020% | 6,931 |
| Pretax return on assets | -0.6020% | 6,847 |
| Return on Equity (ROE) | -10.9519% | 7,166 |
| Retained earnings to average equity (ytd only) | -10.9519% | 7,009 |
| Net charge-offs to loans | 1.0652% | 1,566 |
| Credit loss provision to net charge-offs | 108.1081% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.3320% | 4,744 |
| Efficiency ratio | 92.6995% | 1,228 |
| Assets per employee ($millions) | 3.8322% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9143% | 885 |
| Loan loss allowance to noncurrent loans | 66.6905% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 6.1522% | 955 |
| Noncurrent loans to loans | 4.3699% | 1,729 |
| Net loans and leases to total assets | 71.4110% | 2,585 |
| Net loans and leases to deposits | 78.9065% | 3,860 |
| Net loans and leases to core deposits | 80.0477% | 4,758 |
| Total domestic deposits to total assets | 90.5008% | 738 |
| Equity capital to assets | 5.4369% | 7,681 |
| Core capital (leverage) ratio | 5.6277% | 7,633 |
| Tier 1 risk-based capital ratio | 7.6048% | 7,650 |
| Total risk-based capital ratio | 8.8760% | 7,657 |
| Memoranda: | ||
| Average total assets | $128,913,000 | 4,440 |
| Average earning assets | $119,139,000 | 4,399 |
| Average equity | $7,085,500 | 6,168 |
| Average total loans | $97,261,000 | 4,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 4,570 |
| Cost of funding earning assets | 1.8763% | 3,590 |
| Net interest margin | 3.5481% | 4,754 |
| Noninterest income to average assets | 0.4579% | 4,734 |
| Noninterest expense to average assets | 3.4795% | 2,425 |
| Loan and lease loss provision to assets | 2.5081% | 790 |
| Net operating income to assets | -2.2360% | 7,175 |
| Return on assets (ROA) | -2.0648% | 7,114 |
| Pretax return on assets | -2.0648% | 6,963 |
| Return on Equity (ROE) | -29.2529% | 7,392 |
| Retained earnings to average equity (ytd only) | -29.2529% | 7,374 |
| Net charge-offs to loans | 1.5268% | 1,638 |
| Credit loss provision to net charge-offs | 199.7428% | 1,962 |
| Earnings coverage of net charge-offs (x) | 0.2167% | 5,914 |
| Efficiency ratio | 92.7464% | 1,506 |
| Assets per employee ($millions) | 3.8646% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8090% | 926 |
| Loan loss allowance to noncurrent loans | 53.6274% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 6.2157% | 893 |
| Noncurrent loans to loans | 5.2379% | 1,257 |
| Net loans and leases to total assets | 75.2068% | 1,985 |
| Net loans and leases to deposits | 83.2873% | 3,404 |
| Net loans and leases to core deposits | 94.5011% | 4,627 |
| Total domestic deposits to total assets | 90.2980% | 838 |
| Equity capital to assets | 5.5571% | 7,728 |
| Core capital (leverage) ratio | 5.9438% | 7,642 |
| Tier 1 risk-based capital ratio | 7.6609% | 7,682 |
| Total risk-based capital ratio | 8.9305% | 7,690 |
| Memoranda: | ||
| Average total assets | $123,838,200 | 4,478 |
| Average earning assets | $114,961,800 | 4,421 |
| Average equity | $8,741,000 | 5,682 |
| Average total loans | $101,850,000 | 3,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 4,583 |
| Cost of funding earning assets | 1.9876% | 3,429 |
| Net interest margin | 3.4809% | 4,947 |
| Noninterest income to average assets | 0.5825% | 3,836 |
| Noninterest expense to average assets | 3.4852% | 2,316 |
| Loan and lease loss provision to assets | 1.9330% | 947 |
| Net operating income to assets | -1.6043% | 7,157 |
| Return on assets (ROA) | -1.3754% | 7,047 |
| Pretax return on assets | -1.3754% | 6,900 |
| Return on Equity (ROE) | -18.4676% | 7,323 |
| Retained earnings to average equity (ytd only) | -18.4676% | 7,287 |
| Net charge-offs to loans | 1.4315% | 1,447 |
| Credit loss provision to net charge-offs | 161.7060% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.2750% | 5,733 |
| Efficiency ratio | 91.3823% | 1,585 |
| Assets per employee ($millions) | 3.3256% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 2,057 |
| Loan loss allowance to noncurrent loans | 41.5974% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 6.5652% | 759 |
| Noncurrent loans to loans | 4.5479% | 1,527 |
| Net loans and leases to total assets | 82.3449% | 760 |
| Net loans and leases to deposits | 93.4030% | 1,986 |
| Net loans and leases to core deposits | 110.6578% | 3,164 |
| Total domestic deposits to total assets | 88.1609% | 1,586 |
| Equity capital to assets | 7.1115% | 7,543 |
| Core capital (leverage) ratio | 7.1409% | 7,321 |
| Tier 1 risk-based capital ratio | 8.7569% | 7,693 |
| Total risk-based capital ratio | 10.0152% | 7,730 |
| Memoranda: | ||
| Average total assets | $122,915,000 | 4,522 |
| Average earning assets | $114,107,000 | 4,474 |
| Average equity | $9,154,500 | 5,612 |
| Average total loans | $102,641,500 | 3,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4488% | 4,901 |
| Cost of funding earning assets | 2.0981% | 3,273 |
| Net interest margin | 3.3507% | 5,359 |
| Noninterest income to average assets | 0.5598% | 3,963 |
| Noninterest expense to average assets | 3.5603% | 2,163 |
| Loan and lease loss provision to assets | 0.9082% | 1,859 |
| Net operating income to assets | -0.7888% | 6,826 |
| Return on assets (ROA) | -0.6791% | 6,738 |
| Pretax return on assets | -0.6791% | 6,585 |
| Return on Equity (ROE) | -8.9880% | 6,965 |
| Retained earnings to average equity (ytd only) | -8.9880% | 6,770 |
| Net charge-offs to loans | 0.8030% | 2,073 |
| Credit loss provision to net charge-offs | 135.6627% | 3,436 |
| Earnings coverage of net charge-offs (x) | 0.1783% | 5,494 |
| Efficiency ratio | 96.7558% | 1,323 |
| Assets per employee ($millions) | 3.3578% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 4,065 |
| Loan loss allowance to noncurrent loans | 31.2628% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 4.5085% | 1,240 |
| Noncurrent loans to loans | 4.2731% | 1,542 |
| Net loans and leases to total assets | 83.6427% | 685 |
| Net loans and leases to deposits | 91.7538% | 2,511 |
| Net loans and leases to core deposits | 112.7631% | 3,046 |
| Total domestic deposits to total assets | 91.1600% | 416 |
| Equity capital to assets | 7.6885% | 7,090 |
| Core capital (leverage) ratio | 7.7249% | 6,715 |
| Tier 1 risk-based capital ratio | 9.6693% | 7,254 |
| Total risk-based capital ratio | 10.9214% | 7,198 |
| Memoranda: | ||
| Average total assets | $123,979,330 | 4,533 |
| Average earning assets | $115,437,670 | 4,474 |
| Average equity | $9,368,000 | 5,557 |
| Average total loans | $103,360,000 | 3,931 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 4,876 |
| Cost of funding earning assets | 2.2167% | 3,079 |
| Net interest margin | 3.2906% | 5,527 |
| Noninterest income to average assets | 0.4875% | 4,433 |
| Noninterest expense to average assets | 3.4670% | 2,178 |
| Loan and lease loss provision to assets | 0.4589% | 2,633 |
| Net operating income to assets | -0.3919% | 6,776 |
| Return on assets (ROA) | -0.1753% | 6,610 |
| Pretax return on assets | -0.1753% | 6,545 |
| Return on Equity (ROE) | -2.3392% | 6,704 |
| Retained earnings to average equity (ytd only) | -2.3392% | 6,162 |
| Net charge-offs to loans | 0.1696% | 3,611 |
| Credit loss provision to net charge-offs | 327.2727% | 1,516 |
| Earnings coverage of net charge-offs (x) | 0.4773% | 4,606 |
| Efficiency ratio | 98.1064% | 1,212 |
| Assets per employee ($millions) | 3.1888% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,200 |
| Loan loss allowance to noncurrent loans | 41.4107% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 3.3868% | 1,609 |
| Noncurrent loans to loans | 3.0910% | 2,092 |
| Net loans and leases to total assets | 81.9232% | 1,031 |
| Net loans and leases to deposits | 89.0282% | 3,098 |
| Net loans and leases to core deposits | 110.0890% | 3,425 |
| Total domestic deposits to total assets | 92.0194% | 185 |
| Equity capital to assets | 7.5472% | 7,314 |
| Core capital (leverage) ratio | 7.8620% | 6,675 |
| Tier 1 risk-based capital ratio | 9.8286% | 7,109 |
| Total risk-based capital ratio | 11.0789% | 7,020 |
| Memoranda: | ||
| Average total assets | $125,528,000 | 4,510 |
| Average earning assets | $116,209,500 | 4,475 |
| Average equity | $9,405,000 | 5,565 |
| Average total loans | $103,801,000 | 3,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9636% | 1,223 |
| Cost of funding earning assets | 2.9854% | 1,920 |
| Net interest margin | 3.9782% | 3,224 |
| Noninterest income to average assets | 0.6383% | 3,570 |
| Noninterest expense to average assets | 3.5565% | 2,246 |
| Loan and lease loss provision to assets | 0.2912% | 4,050 |
| Net operating income to assets | 0.4279% | 5,039 |
| Return on assets (ROA) | 0.5630% | 4,325 |
| Pretax return on assets | 0.5630% | 4,801 |
| Return on Equity (ROE) | 7.2628% | 3,392 |
| Retained earnings to average equity (ytd only) | -0.1002% | 5,298 |
| Net charge-offs to loans | 0.7307% | 1,690 |
| Credit loss provision to net charge-offs | 48.7646% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1.2042% | 5,529 |
| Efficiency ratio | 83.1820% | 2,152 |
| Assets per employee ($millions) | 3.2485% | 5,337 |
| Cash dividends to net income (ytd only)* | 101.3793% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,781 |
| Loan loss allowance to noncurrent loans | 79.4405% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.4035% | 2,021 |
| Noncurrent loans to loans | 1.4723% | 3,593 |
| Net loans and leases to total assets | 81.4392% | 1,331 |
| Net loans and leases to deposits | 88.4554% | 3,727 |
| Net loans and leases to core deposits | 108.5285% | 3,906 |
| Total domestic deposits to total assets | 92.0682% | 122 |
| Equity capital to assets | 7.4385% | 7,439 |
| Core capital (leverage) ratio | 7.7728% | 6,840 |
| Tier 1 risk-based capital ratio | 9.5090% | 7,293 |
| Total risk-based capital ratio | 10.6740% | 7,305 |
| Memoranda: | ||
| Average total assets | $128,778,600 | 4,316 |
| Average earning assets | $117,741,400 | 4,317 |
| Average equity | $9,982,400 | 5,416 |
| Average total loans | $105,242,800 | 3,815 |