Home > The Commerce Bank of Oregon > Performance and Condition Ratios
The Commerce Bank of Oregon, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 4,573 |
| Cost of funding earning assets | 0.1455% | 5,959 |
| Net interest margin | 3.4926% | 3,466 |
| Noninterest income to average assets | 0.5495% | 2,947 |
| Noninterest expense to average assets | 4.9148% | 313 |
| Loan and lease loss provision to assets | 0.3104% | 450 |
| Net operating income to assets | -0.8090% | 6,301 |
| Return on assets (ROA) | -0.8090% | 6,305 |
| Pretax return on assets | -1.3788% | 6,340 |
| Return on Equity (ROE) | -4.6794% | 6,253 |
| Retained earnings to average equity (ytd only) | -4.6794% | 5,913 |
| Net charge-offs to loans | -0.5606% | 6,254 |
| Credit loss provision to net charge-offs | -89.7059% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7778% | 92 |
| Assets per employee ($millions) | 4.9587% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 895 |
| Loan loss allowance to noncurrent loans | 229.1469% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,902 |
| Noncurrent loans to loans | 0.9257% | 2,930 |
| Net loans and leases to total assets | 56.2397% | 4,172 |
| Net loans and leases to deposits | 68.4986% | 3,914 |
| Net loans and leases to core deposits | 71.4686% | 4,015 |
| Total domestic deposits to total assets | 82.1034% | 4,483 |
| Equity capital to assets | 17.0635% | 415 |
| Core capital (leverage) ratio | 17.2468% | 340 |
| Tier 1 risk-based capital ratio | 22.8280% | 1,131 |
| Total risk-based capital ratio | 24.0831% | 1,113 |
| Memoranda: | ||
| Average total assets | $78,620,000 | 5,053 |
| Average earning assets | $74,213,500 | 4,998 |
| Average equity | $13,591,500 | 4,139 |
| Average total loans | $48,517,500 | 4,829 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,708 |
| Cost of funding earning assets | 0.1843% | 5,882 |
| Net interest margin | 3.8222% | 2,541 |
| Noninterest income to average assets | 0.5977% | 2,873 |
| Noninterest expense to average assets | 4.7181% | 384 |
| Loan and lease loss provision to assets | -0.3256% | 6,384 |
| Net operating income to assets | -0.1284% | 6,174 |
| Return on assets (ROA) | -0.1284% | 6,177 |
| Pretax return on assets | -0.2086% | 6,198 |
| Return on Equity (ROE) | -0.7373% | 6,152 |
| Retained earnings to average equity (ytd only) | -0.7373% | 5,884 |
| Net charge-offs to loans | 0.2088% | 1,996 |
| Credit loss provision to net charge-offs | -215.1261% | 5,644 |
| Earnings coverage of net charge-offs (x) | -3.5294% | 4,870 |
| Efficiency ratio | 112.7660% | 183 |
| Assets per employee ($millions) | 5.1934% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 1,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.9671% | 3,051 |
| Net loans and leases to deposits | 79.7862% | 2,743 |
| Net loans and leases to core deposits | 84.1089% | 2,890 |
| Total domestic deposits to total assets | 81.4264% | 4,619 |
| Equity capital to assets | 17.5158% | 361 |
| Core capital (leverage) ratio | 15.7403% | 498 |
| Tier 1 risk-based capital ratio | 18.5724% | 1,968 |
| Total risk-based capital ratio | 19.8236% | 1,938 |
| Memoranda: | ||
| Average total assets | $78,632,800 | 5,099 |
| Average earning assets | $73,780,200 | 5,044 |
| Average equity | $13,699,000 | 4,073 |
| Average total loans | $56,980,400 | 4,583 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,637 |
| Cost of funding earning assets | 0.1843% | 5,961 |
| Net interest margin | 3.8468% | 2,444 |
| Noninterest income to average assets | 0.6039% | 2,843 |
| Noninterest expense to average assets | 4.7130% | 383 |
| Loan and lease loss provision to assets | -0.1455% | 6,346 |
| Net operating income to assets | -0.2165% | 6,273 |
| Return on assets (ROA) | -0.2165% | 6,276 |
| Pretax return on assets | -0.3620% | 6,318 |
| Return on Equity (ROE) | -1.2446% | 6,245 |
| Retained earnings to average equity (ytd only) | -1.2446% | 5,997 |
| Net charge-offs to loans | 0.3724% | 1,074 |
| Credit loss provision to net charge-offs | -52.7607% | 5,350 |
| Earnings coverage of net charge-offs (x) | -1.8405% | 4,559 |
| Efficiency ratio | 112.0676% | 196 |
| Assets per employee ($millions) | 5.8103% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,071.1111% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,754 |
| Noncurrent loans to loans | 0.1633% | 5,420 |
| Net loans and leases to total assets | 62.1181% | 3,468 |
| Net loans and leases to deposits | 74.4834% | 3,377 |
| Net loans and leases to core deposits | 77.9809% | 3,540 |
| Total domestic deposits to total assets | 83.3985% | 3,998 |
| Equity capital to assets | 15.7042% | 605 |
| Core capital (leverage) ratio | 15.5326% | 539 |
| Tier 1 risk-based capital ratio | 17.0918% | 2,581 |
| Total risk-based capital ratio | 18.3430% | 2,533 |
| Memoranda: | ||
| Average total assets | $78,815,750 | 5,151 |
| Average earning assets | $73,790,500 | 5,107 |
| Average equity | $13,712,500 | 4,093 |
| Average total loans | $58,363,500 | 4,576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 2,753 |
| Cost of funding earning assets | 0.1856% | 6,034 |
| Net interest margin | 4.0710% | 1,603 |
| Noninterest income to average assets | 0.6050% | 2,793 |
| Noninterest expense to average assets | 4.7977% | 355 |
| Loan and lease loss provision to assets | -0.0026% | 6,209 |
| Net operating income to assets | -0.2288% | 6,336 |
| Return on assets (ROA) | -0.2288% | 6,345 |
| Pretax return on assets | -0.3814% | 6,390 |
| Return on Equity (ROE) | -1.2681% | 6,289 |
| Retained earnings to average equity (ytd only) | -1.2681% | 5,892 |
| Net charge-offs to loans | 0.8276% | 456 |
| Credit loss provision to net charge-offs | -0.4065% | 5,042 |
| Earnings coverage of net charge-offs (x) | -0.5935% | 4,184 |
| Efficiency ratio | 108.7008% | 252 |
| Assets per employee ($millions) | 5.3529% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 2,190 |
| Loan loss allowance to noncurrent loans | 397.5309% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 5,155 |
| Noncurrent loans to loans | 0.4223% | 4,728 |
| Net loans and leases to total assets | 70.4570% | 2,008 |
| Net loans and leases to deposits | 85.7632% | 1,841 |
| Net loans and leases to core deposits | 89.1656% | 2,196 |
| Total domestic deposits to total assets | 82.1529% | 4,593 |
| Equity capital to assets | 17.0613% | 411 |
| Core capital (leverage) ratio | 16.3931% | 421 |
| Tier 1 risk-based capital ratio | 18.0244% | 2,232 |
| Total risk-based capital ratio | 19.2767% | 2,200 |
| Memoranda: | ||
| Average total assets | $76,036,000 | 5,251 |
| Average earning assets | $71,138,000 | 5,199 |
| Average equity | $13,721,000 | 4,098 |
| Average total loans | $59,450,330 | 4,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,597 |
| Cost of funding earning assets | 0.1795% | 6,166 |
| Net interest margin | 4.0995% | 1,453 |
| Noninterest income to average assets | 0.6386% | 2,528 |
| Noninterest expense to average assets | 5.0008% | 317 |
| Loan and lease loss provision to assets | 0.3464% | 515 |
| Net operating income to assets | -0.5196% | 6,479 |
| Return on assets (ROA) | -0.5196% | 6,477 |
| Pretax return on assets | -0.8768% | 6,543 |
| Return on Equity (ROE) | -2.7964% | 6,398 |
| Retained earnings to average equity (ytd only) | -2.7964% | 5,946 |
| Net charge-offs to loans | -0.0132% | 5,154 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8644% | 246 |
| Assets per employee ($millions) | 5.0867% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 1,330 |
| Loan loss allowance to noncurrent loans | 168.0683% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 3,387 |
| Noncurrent loans to loans | 1.2479% | 2,956 |
| Net loans and leases to total assets | 73.3594% | 1,375 |
| Net loans and leases to deposits | 88.7926% | 1,276 |
| Net loans and leases to core deposits | 91.5426% | 1,774 |
| Total domestic deposits to total assets | 82.6188% | 4,745 |
| Equity capital to assets | 16.8184% | 418 |
| Core capital (leverage) ratio | 17.6214% | 321 |
| Tier 1 risk-based capital ratio | 16.8736% | 2,744 |
| Total risk-based capital ratio | 18.1308% | 2,702 |
| Memoranda: | ||
| Average total assets | $73,907,500 | 5,342 |
| Average earning assets | $69,082,000 | 5,291 |
| Average equity | $13,732,000 | 4,096 |
| Average total loans | $60,406,500 | 4,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 2,053 |
| Cost of funding earning assets | 0.1844% | 6,369 |
| Net interest margin | 4.3580% | 980 |
| Noninterest income to average assets | 0.6834% | 2,632 |
| Noninterest expense to average assets | 4.9037% | 374 |
| Loan and lease loss provision to assets | -0.7455% | 6,778 |
| Net operating income to assets | 0.3177% | 5,462 |
| Return on assets (ROA) | 0.3177% | 5,557 |
| Pretax return on assets | 0.5620% | 5,001 |
| Return on Equity (ROE) | 1.6371% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.6371% | 5,054 |
| Net charge-offs to loans | -0.9269% | 6,759 |
| Credit loss provision to net charge-offs | 93.6170% | 2,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8887% | 371 |
| Assets per employee ($millions) | 4.1518% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 1,492 |
| Loan loss allowance to noncurrent loans | 145.0957% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 2,898 |
| Noncurrent loans to loans | 1.3973% | 2,799 |
| Net loans and leases to total assets | 88.2399% | 79 |
| Net loans and leases to deposits | 112.0915% | 138 |
| Net loans and leases to core deposits | 116.0184% | 420 |
| Total domestic deposits to total assets | 78.7213% | 5,705 |
| Equity capital to assets | 20.7382% | 175 |
| Core capital (leverage) ratio | 18.2610% | 285 |
| Tier 1 risk-based capital ratio | 17.7864% | 2,310 |
| Total risk-based capital ratio | 19.0448% | 2,278 |
| Memoranda: | ||
| Average total assets | $70,823,600 | 5,445 |
| Average earning assets | $65,602,800 | 5,417 |
| Average equity | $13,744,000 | 4,114 |
| Average total loans | $60,849,600 | 4,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 2,343 |
| Cost of funding earning assets | 0.1865% | 6,469 |
| Net interest margin | 4.2843% | 1,133 |
| Noninterest income to average assets | 0.6785% | 2,738 |
| Noninterest expense to average assets | 4.7216% | 430 |
| Loan and lease loss provision to assets | -0.8602% | 6,867 |
| Net operating income to assets | 0.4449% | 5,044 |
| Return on assets (ROA) | 0.4449% | 5,188 |
| Pretax return on assets | 0.7786% | 4,384 |
| Return on Equity (ROE) | 2.3296% | 5,844 |
| Retained earnings to average equity (ytd only) | 2.3296% | 4,935 |
| Net charge-offs to loans | -1.4467% | 6,841 |
| Credit loss provision to net charge-offs | 69.9849% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7579% | 412 |
| Assets per employee ($millions) | 4.5490% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 1,250 |
| Loan loss allowance to noncurrent loans | 287.2651% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 4,463 |
| Noncurrent loans to loans | 0.7838% | 4,280 |
| Net loans and leases to total assets | 82.0744% | 365 |
| Net loans and leases to deposits | 102.4350% | 357 |
| Net loans and leases to core deposits | 106.5838% | 725 |
| Total domestic deposits to total assets | 80.1234% | 5,471 |
| Equity capital to assets | 18.9506% | 257 |
| Core capital (leverage) ratio | 18.2707% | 286 |
| Tier 1 risk-based capital ratio | 16.9042% | 2,749 |
| Total risk-based capital ratio | 18.1642% | 2,707 |
| Memoranda: | ||
| Average total assets | $71,922,500 | 5,475 |
| Average earning assets | $66,505,250 | 5,443 |
| Average equity | $13,736,000 | 4,167 |
| Average total loans | $61,104,750 | 4,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,077 |
| Cost of funding earning assets | 0.1964% | 6,494 |
| Net interest margin | 4.3365% | 964 |
| Noninterest income to average assets | 0.6589% | 2,864 |
| Noninterest expense to average assets | 4.8468% | 400 |
| Loan and lease loss provision to assets | -1.3876% | 6,927 |
| Net operating income to assets | 0.6952% | 3,825 |
| Return on assets (ROA) | 0.6952% | 3,998 |
| Pretax return on assets | 1.2061% | 2,650 |
| Return on Equity (ROE) | 3.6305% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.6305% | 3,999 |
| Net charge-offs to loans | -1.7872% | 6,892 |
| Credit loss provision to net charge-offs | 91.0256% | 2,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8899% | 384 |
| Assets per employee ($millions) | 4.2772% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,774 |
| Loan loss allowance to noncurrent loans | 205.0167% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 4,056 |
| Noncurrent loans to loans | 0.9933% | 3,949 |
| Net loans and leases to total assets | 86.1840% | 143 |
| Net loans and leases to deposits | 109.2384% | 158 |
| Net loans and leases to core deposits | 113.4820% | 447 |
| Total domestic deposits to total assets | 78.8953% | 5,818 |
| Equity capital to assets | 20.1710% | 199 |
| Core capital (leverage) ratio | 18.7047% | 244 |
| Tier 1 risk-based capital ratio | 17.3032% | 2,591 |
| Total risk-based capital ratio | 18.5616% | 2,560 |
| Memoranda: | ||
| Average total assets | $71,635,330 | 5,518 |
| Average earning assets | $66,181,670 | 5,489 |
| Average equity | $13,717,000 | 4,207 |
| Average total loans | $61,102,000 | 4,640 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 2,694 |
| Cost of funding earning assets | 0.2054% | 6,551 |
| Net interest margin | 4.1436% | 1,345 |
| Noninterest income to average assets | 0.6226% | 3,016 |
| Noninterest expense to average assets | 5.2597% | 307 |
| Loan and lease loss provision to assets | -2.9494% | 7,015 |
| Net operating income to assets | 1.2562% | 1,384 |
| Return on assets (ROA) | 1.2562% | 1,486 |
| Pretax return on assets | 2.1683% | 441 |
| Return on Equity (ROE) | 6.7283% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.7283% | 2,298 |
| Net charge-offs to loans | -3.3469% | 6,968 |
| Credit loss provision to net charge-offs | 104.8544% | 1,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4390% | 235 |
| Assets per employee ($millions) | 5.2685% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 2,416 |
| Loan loss allowance to noncurrent loans | 96.2406% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 2,830 |
| Noncurrent loans to loans | 1.9341% | 2,698 |
| Net loans and leases to total assets | 82.3438% | 267 |
| Net loans and leases to deposits | 102.8604% | 256 |
| Net loans and leases to core deposits | 106.9767% | 605 |
| Total domestic deposits to total assets | 80.0540% | 5,742 |
| Equity capital to assets | 18.6865% | 290 |
| Core capital (leverage) ratio | 17.4210% | 321 |
| Tier 1 risk-based capital ratio | 16.8479% | 2,833 |
| Total risk-based capital ratio | 18.1049% | 2,796 |
| Memoranda: | ||
| Average total assets | $73,235,500 | 5,530 |
| Average earning assets | $68,153,000 | 5,490 |
| Average equity | $13,673,500 | 4,251 |
| Average total loans | $61,550,000 | 4,648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 1,744 |
| Cost of funding earning assets | 0.2418% | 6,705 |
| Net interest margin | 4.6899% | 660 |
| Noninterest income to average assets | 0.6560% | 2,963 |
| Noninterest expense to average assets | 5.8207% | 238 |
| Loan and lease loss provision to assets | 0.7050% | 727 |
| Net operating income to assets | -0.9132% | 6,716 |
| Return on assets (ROA) | -0.9132% | 6,734 |
| Pretax return on assets | -1.5406% | 6,860 |
| Return on Equity (ROE) | -4.7494% | 6,585 |
| Retained earnings to average equity (ytd only) | -4.7494% | 6,410 |
| Net charge-offs to loans | 1.3914% | 660 |
| Credit loss provision to net charge-offs | 57.6837% | 4,511 |
| Earnings coverage of net charge-offs (x) | -0.6837% | 5,709 |
| Efficiency ratio | 89.4622% | 1,114 |
| Assets per employee ($millions) | 5.1937% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 2,223 |
| Loan loss allowance to noncurrent loans | 153.0559% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 3,913 |
| Noncurrent loans to loans | 1.2563% | 3,733 |
| Net loans and leases to total assets | 82.5655% | 293 |
| Net loans and leases to deposits | 102.5731% | 307 |
| Net loans and leases to core deposits | 106.7156% | 661 |
| Total domestic deposits to total assets | 80.4943% | 5,546 |
| Equity capital to assets | 18.6544% | 282 |
| Core capital (leverage) ratio | 16.2951% | 416 |
| Tier 1 risk-based capital ratio | 16.5070% | 2,885 |
| Total risk-based capital ratio | 17.7636% | 2,860 |
| Memoranda: | ||
| Average total assets | $73,479,400 | 5,534 |
| Average earning assets | $67,826,200 | 5,498 |
| Average equity | $14,128,200 | 4,132 |
| Average total loans | $64,537,600 | 4,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 1,658 |
| Cost of funding earning assets | 0.2466% | 6,822 |
| Net interest margin | 4.7701% | 586 |
| Noninterest income to average assets | 0.6533% | 2,979 |
| Noninterest expense to average assets | 4.5118% | 533 |
| Loan and lease loss provision to assets | 0.1194% | 4,057 |
| Net operating income to assets | 0.2353% | 5,821 |
| Return on assets (ROA) | 0.2353% | 6,006 |
| Pretax return on assets | 0.4325% | 5,642 |
| Return on Equity (ROE) | 1.2147% | 6,213 |
| Retained earnings to average equity (ytd only) | 1.2147% | 5,690 |
| Net charge-offs to loans | 0.0714% | 4,698 |
| Credit loss provision to net charge-offs | 188.5714% | 1,465 |
| Earnings coverage of net charge-offs (x) | 8.7135% | 2,407 |
| Efficiency ratio | 89.0994% | 1,106 |
| Assets per employee ($millions) | 4.8835% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4576% | 1,257 |
| Loan loss allowance to noncurrent loans | 184.0093% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 3,938 |
| Noncurrent loans to loans | 1.3356% | 3,801 |
| Net loans and leases to total assets | 86.0427% | 146 |
| Net loans and leases to deposits | 108.2825% | 190 |
| Net loans and leases to core deposits | 112.7171% | 473 |
| Total domestic deposits to total assets | 79.4613% | 5,773 |
| Equity capital to assets | 19.5954% | 256 |
| Core capital (leverage) ratio | 16.9537% | 372 |
| Tier 1 risk-based capital ratio | 16.0357% | 3,245 |
| Total risk-based capital ratio | 17.2980% | 3,207 |
| Memoranda: | ||
| Average total assets | $73,671,250 | 5,584 |
| Average earning assets | $68,116,500 | 5,550 |
| Average equity | $14,269,250 | 4,149 |
| Average total loans | $65,369,000 | 4,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 1,517 |
| Cost of funding earning assets | 0.2614% | 6,877 |
| Net interest margin | 4.8338% | 531 |
| Noninterest income to average assets | 0.5744% | 3,415 |
| Noninterest expense to average assets | 4.5440% | 534 |
| Loan and lease loss provision to assets | 0.1463% | 3,689 |
| Net operating income to assets | 0.1788% | 5,981 |
| Return on assets (ROA) | 0.1788% | 6,155 |
| Pretax return on assets | 0.3441% | 5,842 |
| Return on Equity (ROE) | 0.9269% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.9269% | 5,700 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2583% | 1,053 |
| Assets per employee ($millions) | 4.5848% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,327 |
| Loan loss allowance to noncurrent loans | 180.6054% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 3,984 |
| Noncurrent loans to loans | 1.3664% | 3,871 |
| Net loans and leases to total assets | 86.7934% | 111 |
| Net loans and leases to deposits | 108.9178% | 167 |
| Net loans and leases to core deposits | 113.3546% | 471 |
| Total domestic deposits to total assets | 79.6870% | 5,818 |
| Equity capital to assets | 19.4774% | 253 |
| Core capital (leverage) ratio | 16.6678% | 393 |
| Tier 1 risk-based capital ratio | 16.0583% | 3,139 |
| Total risk-based capital ratio | 17.3222% | 3,096 |
| Memoranda: | ||
| Average total assets | $73,811,000 | 5,608 |
| Average earning assets | $68,104,000 | 5,584 |
| Average equity | $14,241,000 | 4,152 |
| Average total loans | $65,620,000 | 4,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 1,679 |
| Cost of funding earning assets | 0.2859% | 6,884 |
| Net interest margin | 4.7786% | 590 |
| Noninterest income to average assets | 0.2755% | 5,667 |
| Noninterest expense to average assets | 4.5220% | 545 |
| Loan and lease loss provision to assets | 0.1189% | 3,860 |
| Net operating income to assets | -0.0054% | 6,425 |
| Return on assets (ROA) | -0.0054% | 6,538 |
| Pretax return on assets | 0.0594% | 6,444 |
| Return on Equity (ROE) | -0.0281% | 6,535 |
| Retained earnings to average equity (ytd only) | -0.0281% | 5,990 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2069% | 710 |
| Assets per employee ($millions) | 4.1364% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3379% | 1,610 |
| Loan loss allowance to noncurrent loans | 239.2424% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,756 |
| Noncurrent loans to loans | 0.9772% | 4,723 |
| Net loans and leases to total assets | 88.5892% | 64 |
| Net loans and leases to deposits | 110.7232% | 131 |
| Net loans and leases to core deposits | 115.1416% | 401 |
| Total domestic deposits to total assets | 80.0097% | 5,851 |
| Equity capital to assets | 19.1026% | 270 |
| Core capital (leverage) ratio | 16.8091% | 377 |
| Tier 1 risk-based capital ratio | 15.1707% | 3,642 |
| Total risk-based capital ratio | 16.4322% | 3,591 |
| Memoranda: | ||
| Average total assets | $74,038,000 | 5,649 |
| Average earning assets | $68,556,000 | 5,611 |
| Average equity | $14,217,500 | 4,158 |
| Average total loans | $65,790,000 | 4,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 2,129 |
| Cost of funding earning assets | 0.2916% | 7,118 |
| Net interest margin | 4.8938% | 516 |
| Noninterest income to average assets | 0.6006% | 3,160 |
| Noninterest expense to average assets | 4.9134% | 401 |
| Loan and lease loss provision to assets | 0.0858% | 5,527 |
| Net operating income to assets | 0.0100% | 6,019 |
| Return on assets (ROA) | 0.0100% | 6,141 |
| Pretax return on assets | 0.1130% | 5,947 |
| Return on Equity (ROE) | 0.0494% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.0494% | 5,816 |
| Net charge-offs to loans | 0.1189% | 5,194 |
| Credit loss provision to net charge-offs | 83.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | 1.9306% | 4,326 |
| Efficiency ratio | 96.1119% | 816 |
| Assets per employee ($millions) | 4.0900% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4313% | 1,406 |
| Loan loss allowance to noncurrent loans | 226.6376% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 4,592 |
| Noncurrent loans to loans | 1.0728% | 4,562 |
| Net loans and leases to total assets | 84.8737% | 168 |
| Net loans and leases to deposits | 106.3775% | 235 |
| Net loans and leases to core deposits | 110.6950% | 601 |
| Total domestic deposits to total assets | 79.7854% | 5,803 |
| Equity capital to assets | 19.3045% | 267 |
| Core capital (leverage) ratio | 16.9658% | 364 |
| Tier 1 risk-based capital ratio | 15.8104% | 3,153 |
| Total risk-based capital ratio | 17.0731% | 3,105 |
| Memoranda: | ||
| Average total assets | $69,930,800 | 5,740 |
| Average earning assets | $64,469,800 | 5,719 |
| Average equity | $14,174,400 | 4,073 |
| Average total loans | $60,538,400 | 4,843 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 2,242 |
| Cost of funding earning assets | 0.2915% | 7,223 |
| Net interest margin | 4.8984% | 512 |
| Noninterest income to average assets | 0.6646% | 2,802 |
| Noninterest expense to average assets | 4.7587% | 459 |
| Loan and lease loss provision to assets | 0.2589% | 3,430 |
| Net operating income to assets | 0.0329% | 6,105 |
| Return on assets (ROA) | 0.0329% | 6,202 |
| Pretax return on assets | 0.1604% | 5,975 |
| Return on Equity (ROE) | 0.1600% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.1600% | 5,908 |
| Net charge-offs to loans | -0.0067% | 6,738 |
| Credit loss provision to net charge-offs | -4,466.6667% | 6,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9030% | 1,038 |
| Assets per employee ($millions) | 3.7809% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7118% | 1,120 |
| Loan loss allowance to noncurrent loans | 220.9845% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 4,380 |
| Noncurrent loans to loans | 1.2271% | 4,491 |
| Net loans and leases to total assets | 85.1972% | 154 |
| Net loans and leases to deposits | 107.8485% | 211 |
| Net loans and leases to core deposits | 113.9527% | 554 |
| Total domestic deposits to total assets | 78.9972% | 5,985 |
| Equity capital to assets | 19.7792% | 255 |
| Core capital (leverage) ratio | 17.2596% | 375 |
| Tier 1 risk-based capital ratio | 17.9536% | 2,275 |
| Total risk-based capital ratio | 19.2274% | 2,227 |
| Memoranda: | ||
| Average total assets | $69,008,500 | 5,814 |
| Average earning assets | $63,583,750 | 5,785 |
| Average equity | $14,165,000 | 4,096 |
| Average total loans | $59,662,750 | 4,915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 2,337 |
| Cost of funding earning assets | 0.2847% | 7,331 |
| Net interest margin | 4.8971% | 494 |
| Noninterest income to average assets | 0.6523% | 2,820 |
| Noninterest expense to average assets | 4.8071% | 433 |
| Loan and lease loss provision to assets | 0.2468% | 3,438 |
| Net operating income to assets | 0.0029% | 6,218 |
| Return on assets (ROA) | 0.0029% | 6,298 |
| Pretax return on assets | 0.0970% | 6,107 |
| Return on Equity (ROE) | 0.0141% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.0141% | 5,827 |
| Net charge-offs to loans | -0.0102% | 6,689 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3257% | 1,021 |
| Assets per employee ($millions) | 3.8360% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7514% | 1,126 |
| Loan loss allowance to noncurrent loans | 210.4193% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 1.2774% | 4,345 |
| Noncurrent loans to loans | 1.3076% | 4,460 |
| Net loans and leases to total assets | 84.7700% | 188 |
| Net loans and leases to deposits | 107.7322% | 220 |
| Net loans and leases to core deposits | 113.5573% | 591 |
| Total domestic deposits to total assets | 78.6858% | 6,151 |
| Equity capital to assets | 20.5220% | 235 |
| Core capital (leverage) ratio | 18.1114% | 323 |
| Tier 1 risk-based capital ratio | 18.8493% | 1,892 |
| Total risk-based capital ratio | 20.1194% | 1,853 |
| Memoranda: | ||
| Average total assets | $68,065,330 | 5,885 |
| Average earning assets | $62,527,000 | 5,874 |
| Average equity | $14,150,330 | 4,096 |
| Average total loans | $58,580,330 | 5,027 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 2,248 |
| Cost of funding earning assets | 0.2774% | 7,412 |
| Net interest margin | 4.9155% | 442 |
| Noninterest income to average assets | 0.7103% | 2,517 |
| Noninterest expense to average assets | 5.0078% | 362 |
| Loan and lease loss provision to assets | 0.1243% | 4,445 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.0888% | 6,197 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | -0.0069% | 6,289 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9184% | 924 |
| Assets per employee ($millions) | 3.6462% | 4,661 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6738% | 1,234 |
| Loan loss allowance to noncurrent loans | 1,674.7368% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,802 |
| Noncurrent loans to loans | 0.1597% | 6,656 |
| Net loans and leases to total assets | 88.2374% | 75 |
| Net loans and leases to deposits | 117.8678% | 103 |
| Net loans and leases to core deposits | 125.6389% | 318 |
| Total domestic deposits to total assets | 74.8613% | 6,813 |
| Equity capital to assets | 21.5642% | 181 |
| Core capital (leverage) ratio | 18.3713% | 311 |
| Tier 1 risk-based capital ratio | 18.5558% | 1,941 |
| Total risk-based capital ratio | 19.8253% | 1,892 |
| Memoranda: | ||
| Average total assets | $67,574,000 | 5,944 |
| Average earning assets | $62,008,500 | 5,935 |
| Average equity | $14,140,500 | 4,087 |
| Average total loans | $57,776,500 | 5,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 3,462 |
| Cost of funding earning assets | 0.4910% | 7,310 |
| Net interest margin | 4.7391% | 749 |
| Noninterest income to average assets | 0.6909% | 2,894 |
| Noninterest expense to average assets | 5.3053% | 338 |
| Loan and lease loss provision to assets | 0.9559% | 1,703 |
| Net operating income to assets | -0.8041% | 6,580 |
| Return on assets (ROA) | -0.8041% | 6,603 |
| Pretax return on assets | -1.3163% | 6,783 |
| Return on Equity (ROE) | -3.7585% | 6,343 |
| Retained earnings to average equity (ytd only) | -3.7585% | 6,187 |
| Net charge-offs to loans | 1.7631% | 1,204 |
| Credit loss provision to net charge-offs | 64.7177% | 5,989 |
| Earnings coverage of net charge-offs (x) | -0.2440% | 6,316 |
| Efficiency ratio | 107.2870% | 593 |
| Assets per employee ($millions) | 3.8620% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7975% | 1,061 |
| Loan loss allowance to noncurrent loans | 1,650.5263% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,895 |
| Noncurrent loans to loans | 0.1695% | 6,729 |
| Net loans and leases to total assets | 78.3733% | 887 |
| Net loans and leases to deposits | 99.3617% | 616 |
| Net loans and leases to core deposits | 110.0091% | 917 |
| Total domestic deposits to total assets | 78.8768% | 6,110 |
| Equity capital to assets | 20.3234% | 242 |
| Core capital (leverage) ratio | 17.3299% | 375 |
| Tier 1 risk-based capital ratio | 18.7531% | 1,780 |
| Total risk-based capital ratio | 20.0229% | 1,740 |
| Memoranda: | ||
| Average total assets | $67,159,600 | 5,956 |
| Average earning assets | $60,286,200 | 5,985 |
| Average equity | $14,367,400 | 4,054 |
| Average total loans | $56,265,600 | 5,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 3,657 |
| Cost of funding earning assets | 0.5497% | 7,380 |
| Net interest margin | 4.6858% | 871 |
| Noninterest income to average assets | 0.6710% | 3,010 |
| Noninterest expense to average assets | 5.3876% | 289 |
| Loan and lease loss provision to assets | 1.3499% | 1,014 |
| Net operating income to assets | -1.1657% | 6,971 |
| Return on assets (ROA) | -1.1657% | 7,005 |
| Pretax return on assets | -1.8667% | 7,157 |
| Return on Equity (ROE) | -5.3786% | 6,674 |
| Retained earnings to average equity (ytd only) | -5.3786% | 6,584 |
| Net charge-offs to loans | 2.3697% | 734 |
| Credit loss provision to net charge-offs | 67.3327% | 5,490 |
| Earnings coverage of net charge-offs (x) | -0.2577% | 6,220 |
| Efficiency ratio | 110.6086% | 515 |
| Assets per employee ($millions) | 3.6702% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7657% | 1,026 |
| Loan loss allowance to noncurrent loans | 1,675.7895% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 6,541 |
| Noncurrent loans to loans | 0.1650% | 6,856 |
| Net loans and leases to total assets | 80.2633% | 704 |
| Net loans and leases to deposits | 103.2047% | 471 |
| Net loans and leases to core deposits | 113.8134% | 844 |
| Total domestic deposits to total assets | 77.7709% | 6,302 |
| Equity capital to assets | 20.2415% | 273 |
| Core capital (leverage) ratio | 17.5210% | 382 |
| Tier 1 risk-based capital ratio | 18.4217% | 1,891 |
| Total risk-based capital ratio | 19.6915% | 1,849 |
| Memoranda: | ||
| Average total assets | $66,570,500 | 6,044 |
| Average earning assets | $59,668,750 | 6,072 |
| Average equity | $14,427,250 | 4,105 |
| Average total loans | $56,319,500 | 5,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 3,566 |
| Cost of funding earning assets | 0.5604% | 7,468 |
| Net interest margin | 4.7190% | 791 |
| Noninterest income to average assets | 0.6441% | 3,039 |
| Noninterest expense to average assets | 5.6413% | 255 |
| Loan and lease loss provision to assets | -0.0061% | 7,737 |
| Net operating income to assets | -0.5312% | 6,678 |
| Return on assets (ROA) | -0.5312% | 6,714 |
| Pretax return on assets | -0.7754% | 6,772 |
| Return on Equity (ROE) | -2.3948% | 6,455 |
| Retained earnings to average equity (ytd only) | -2.3948% | 6,208 |
| Net charge-offs to loans | 0.0036% | 6,328 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | -256.0000% | 6,370 |
| Efficiency ratio | 116.0804% | 462 |
| Assets per employee ($millions) | 3.3257% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3774% | 605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 6,877 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 82.4110% | 495 |
| Net loans and leases to deposits | 108.7040% | 306 |
| Net loans and leases to core deposits | 122.3145% | 616 |
| Total domestic deposits to total assets | 75.8122% | 6,726 |
| Equity capital to assets | 21.7777% | 207 |
| Core capital (leverage) ratio | 19.1426% | 283 |
| Tier 1 risk-based capital ratio | 20.1534% | 1,491 |
| Total risk-based capital ratio | 21.4322% | 1,451 |
| Memoranda: | ||
| Average total assets | $65,516,330 | 6,123 |
| Average earning assets | $58,529,670 | 6,157 |
| Average equity | $14,531,330 | 4,080 |
| Average total loans | $55,905,330 | 5,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,892 |
| Cost of funding earning assets | 0.5991% | 7,541 |
| Net interest margin | 4.6275% | 905 |
| Noninterest income to average assets | 0.6521% | 2,924 |
| Noninterest expense to average assets | 4.9033% | 395 |
| Loan and lease loss provision to assets | 0.7260% | 1,751 |
| Net operating income to assets | -0.5721% | 6,875 |
| Return on assets (ROA) | -0.5721% | 6,910 |
| Pretax return on assets | -0.8428% | 6,973 |
| Return on Equity (ROE) | -2.5559% | 6,703 |
| Retained earnings to average equity (ytd only) | -2.5559% | 6,303 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4422% | 772 |
| Assets per employee ($millions) | 3.2721% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5426% | 526 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 6,372 |
| Noncurrent loans to loans | 0.2557% | 6,821 |
| Net loans and leases to total assets | 84.7514% | 312 |
| Net loans and leases to deposits | 116.2381% | 177 |
| Net loans and leases to core deposits | 130.9325% | 469 |
| Total domestic deposits to total assets | 72.9119% | 7,174 |
| Equity capital to assets | 22.1968% | 202 |
| Core capital (leverage) ratio | 19.5998% | 274 |
| Tier 1 risk-based capital ratio | 20.4414% | 1,438 |
| Total risk-based capital ratio | 21.7204% | 1,400 |
| Memoranda: | ||
| Average total assets | $65,018,000 | 6,208 |
| Average earning assets | $58,088,000 | 6,241 |
| Average equity | $14,554,500 | 4,108 |
| Average total loans | $55,493,000 | 5,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 7,371 |
| Cost of funding earning assets | 0.9156% | 7,371 |
| Net interest margin | 3.5955% | 4,565 |
| Noninterest income to average assets | 0.6904% | 3,036 |
| Noninterest expense to average assets | 6.0818% | 296 |
| Loan and lease loss provision to assets | 4.6947% | 237 |
| Net operating income to assets | -4.0525% | 7,612 |
| Return on assets (ROA) | -4.0525% | 7,611 |
| Pretax return on assets | -6.9045% | 7,863 |
| Return on Equity (ROE) | -16.1801% | 6,999 |
| Retained earnings to average equity (ytd only) | -16.1801% | 6,947 |
| Net charge-offs to loans | 4.4925% | 326 |
| Credit loss provision to net charge-offs | 138.8046% | 3,535 |
| Earnings coverage of net charge-offs (x) | -0.6533% | 6,782 |
| Efficiency ratio | 157.0683% | 267 |
| Assets per employee ($millions) | 3.5886% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5879% | 497 |
| Loan loss allowance to noncurrent loans | 1,287.9195% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 6,337 |
| Noncurrent loans to loans | 0.2786% | 6,730 |
| Net loans and leases to total assets | 79.8325% | 1,026 |
| Net loans and leases to deposits | 109.9346% | 385 |
| Net loans and leases to core deposits | 141.4849% | 755 |
| Total domestic deposits to total assets | 72.6182% | 7,193 |
| Equity capital to assets | 22.5764% | 211 |
| Core capital (leverage) ratio | 17.9753% | 411 |
| Tier 1 risk-based capital ratio | 21.7300% | 1,185 |
| Total risk-based capital ratio | 23.0136% | 1,156 |
| Memoranda: | ||
| Average total assets | $64,306,200 | 6,185 |
| Average earning assets | $56,903,800 | 6,253 |
| Average equity | $16,106,200 | 3,851 |
| Average total loans | $48,413,600 | 5,742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 7,615 |
| Cost of funding earning assets | 0.9501% | 7,480 |
| Net interest margin | 3.4438% | 5,094 |
| Noninterest income to average assets | 0.7410% | 2,760 |
| Noninterest expense to average assets | 6.0984% | 295 |
| Loan and lease loss provision to assets | 4.4793% | 226 |
| Net operating income to assets | -3.9915% | 7,750 |
| Return on assets (ROA) | -3.9915% | 7,752 |
| Pretax return on assets | -6.7896% | 7,954 |
| Return on Equity (ROE) | -15.5513% | 7,212 |
| Retained earnings to average equity (ytd only) | -15.5513% | 7,163 |
| Net charge-offs to loans | 4.0158% | 350 |
| Credit loss provision to net charge-offs | 151.9718% | 3,146 |
| Earnings coverage of net charge-offs (x) | -0.7838% | 6,587 |
| Efficiency ratio | 160.9863% | 264 |
| Assets per employee ($millions) | 3.9363% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 373 |
| Loan loss allowance to noncurrent loans | 173.3270% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 3,968 |
| Noncurrent loans to loans | 2.1070% | 3,499 |
| Net loans and leases to total assets | 63.9537% | 4,881 |
| Net loans and leases to deposits | 84.2095% | 3,613 |
| Net loans and leases to core deposits | 111.5644% | 3,061 |
| Total domestic deposits to total assets | 75.9460% | 6,592 |
| Equity capital to assets | 20.3931% | 313 |
| Core capital (leverage) ratio | 20.0945% | 306 |
| Tier 1 risk-based capital ratio | 24.5120% | 949 |
| Total risk-based capital ratio | 25.7159% | 933 |
| Memoranda: | ||
| Average total assets | $64,234,250 | 6,243 |
| Average earning assets | $56,834,500 | 6,300 |
| Average equity | $16,487,000 | 3,816 |
| Average total loans | $47,145,500 | 5,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 7,600 |
| Cost of funding earning assets | 1.0079% | 7,540 |
| Net interest margin | 3.5222% | 4,690 |
| Noninterest income to average assets | 0.8037% | 2,392 |
| Noninterest expense to average assets | 7.2831% | 196 |
| Loan and lease loss provision to assets | -0.0099% | 8,142 |
| Net operating income to assets | -2.0851% | 7,450 |
| Return on assets (ROA) | -2.0851% | 7,445 |
| Pretax return on assets | -3.3731% | 7,656 |
| Return on Equity (ROE) | -7.4917% | 6,854 |
| Retained earnings to average equity (ytd only) | -7.4917% | 6,620 |
| Net charge-offs to loans | 0.5182% | 2,767 |
| Credit loss provision to net charge-offs | -2.5000% | 6,884 |
| Earnings coverage of net charge-offs (x) | -8.5583% | 6,510 |
| Efficiency ratio | 186.7399% | 227 |
| Assets per employee ($millions) | 3.5290% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9884% | 1,595 |
| Loan loss allowance to noncurrent loans | 652.0548% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 6,373 |
| Noncurrent loans to loans | 0.3049% | 6,752 |
| Net loans and leases to total assets | 69.9855% | 3,709 |
| Net loans and leases to deposits | 97.6750% | 1,571 |
| Net loans and leases to core deposits | 138.4575% | 1,079 |
| Total domestic deposits to total assets | 71.6514% | 7,282 |
| Equity capital to assets | 24.7782% | 206 |
| Core capital (leverage) ratio | 25.2142% | 201 |
| Tier 1 risk-based capital ratio | 27.7555% | 734 |
| Total risk-based capital ratio | 29.0129% | 714 |
| Memoranda: | ||
| Average total assets | $60,715,670 | 6,426 |
| Average earning assets | $53,376,000 | 6,496 |
| Average equity | $16,898,670 | 3,734 |
| Average total loans | $46,312,670 | 5,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 7,416 |
| Cost of funding earning assets | 1.0268% | 7,632 |
| Net interest margin | 3.7415% | 3,700 |
| Noninterest income to average assets | 0.7576% | 2,556 |
| Noninterest expense to average assets | 6.4642% | 241 |
| Loan and lease loss provision to assets | 0.0765% | 6,001 |
| Net operating income to assets | -1.5431% | 7,513 |
| Return on assets (ROA) | -1.5431% | 7,517 |
| Pretax return on assets | -2.4397% | 7,651 |
| Return on Equity (ROE) | -5.2110% | 6,992 |
| Retained earnings to average equity (ytd only) | -5.2110% | 6,579 |
| Net charge-offs to loans | 1.0542% | 1,285 |
| Credit loss provision to net charge-offs | 9.1667% | 5,210 |
| Earnings coverage of net charge-offs (x) | -2.8333% | 5,512 |
| Efficiency ratio | 157.6271% | 321 |
| Assets per employee ($millions) | 3.1037% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1443% | 1,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.5017% | 1,535 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.7537% | 2,567 |
| Net loans and leases to deposits | 109.4088% | 648 |
| Net loans and leases to core deposits | 162.4341% | 461 |
| Total domestic deposits to total assets | 68.3251% | 7,572 |
| Equity capital to assets | 28.7667% | 162 |
| Core capital (leverage) ratio | 27.9734% | 176 |
| Tier 1 risk-based capital ratio | 29.6152% | 642 |
| Total risk-based capital ratio | 30.8708% | 626 |
| Memoranda: | ||
| Average total assets | $57,548,000 | 6,557 |
| Average earning assets | $51,423,000 | 6,600 |
| Average equity | $17,041,000 | 3,724 |
| Average total loans | $45,530,000 | 5,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7678% | 6,537 |
| Cost of funding earning assets | 1.2959% | 7,854 |
| Net interest margin | 4.4719% | 1,485 |
| Noninterest income to average assets | 0.5375% | 4,336 |
| Noninterest expense to average assets | 7.2073% | 274 |
| Loan and lease loss provision to assets | 1.5311% | 875 |
| Net operating income to assets | -2.4900% | 7,707 |
| Return on assets (ROA) | -2.4900% | 7,678 |
| Pretax return on assets | -4.2104% | 7,926 |
| Return on Equity (ROE) | -6.9106% | 7,038 |
| Retained earnings to average equity (ytd only) | -6.9106% | 6,772 |
| Net charge-offs to loans | 0.2728% | 3,586 |
| Credit loss provision to net charge-offs | 723.0769% | 580 |
| Earnings coverage of net charge-offs (x) | -12.6538% | 6,913 |
| Efficiency ratio | 159.1727% | 313 |
| Assets per employee ($millions) | 2.9539% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3364% | 810 |
| Loan loss allowance to noncurrent loans | 407.1970% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 3.8931% | 1,076 |
| Noncurrent loans to loans | 0.5738% | 5,651 |
| Net loans and leases to total assets | 80.0641% | 1,647 |
| Net loans and leases to deposits | 126.9307% | 258 |
| Net loans and leases to core deposits | 181.6110% | 271 |
| Total domestic deposits to total assets | 63.0771% | 7,834 |
| Equity capital to assets | 30.4998% | 170 |
| Core capital (leverage) ratio | 31.0064% | 175 |
| Tier 1 risk-based capital ratio | 28.9983% | 695 |
| Total risk-based capital ratio | 30.2545% | 687 |
| Memoranda: | ||
| Average total assets | $49,116,600 | 6,817 |
| Average earning assets | $43,829,200 | 6,860 |
| Average equity | $17,697,400 | 3,609 |
| Average total loans | $38,125,800 | 6,265 |