Home > The Community Bank of Shell Knob > Performance and Condition Ratios
The Community Bank of Shell Knob, Performance and Condition Ratios
| 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 | 3.0841% | 6,416 |
| Cost of funding earning assets | 0.3738% | 5,331 |
| Net interest margin | 2.7103% | 6,202 |
| Noninterest income to average assets | 0.6434% | 2,918 |
| Noninterest expense to average assets | 3.6570% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0497% | 6,821 |
| Return on assets (ROA) | -1.0497% | 6,831 |
| Pretax return on assets | -1.0497% | 6,814 |
| Return on Equity (ROE) | -72.3032% | 6,988 |
| Retained earnings to average equity (ytd only) | -72.3032% | 6,985 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.2597% | 108 |
| Assets per employee ($millions) | 2.0590% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5541% | 400 |
| Loan loss allowance to noncurrent loans | 108.5938% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 3,472 |
| Noncurrent loans to loans | 3.2728% | 1,486 |
| Net loans and leases to total assets | 30.5326% | 6,583 |
| Net loans and leases to deposits | 30.9383% | 6,720 |
| Net loans and leases to core deposits | 30.9383% | 6,746 |
| Total domestic deposits to total assets | 98.6887% | 5 |
| Equity capital to assets | 1.2627% | 7,013 |
| Core capital (leverage) ratio | 1.3632% | 7,013 |
| Tier 1 risk-based capital ratio | 3.1974% | 6,993 |
| Total risk-based capital ratio | 4.4681% | 6,993 |
| Memoranda: | ||
| Average total assets | $11,813,000 | 6,989 |
| Average earning assets | $8,560,000 | 6,992 |
| Average equity | $171,500 | 7,016 |
| Average total loans | $3,901,500 | 6,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 5,920 |
| Cost of funding earning assets | 0.4540% | 5,555 |
| Net interest margin | 3.3094% | 5,212 |
| Noninterest income to average assets | -0.0089% | 6,848 |
| Noninterest expense to average assets | 4.0418% | 931 |
| Loan and lease loss provision to assets | 0.0886% | 4,583 |
| Net operating income to assets | -1.6841% | 6,895 |
| Return on assets (ROA) | -1.6841% | 6,906 |
| Pretax return on assets | -1.6841% | 6,890 |
| Return on Equity (ROE) | -70.8427% | 7,050 |
| Retained earnings to average equity (ytd only) | -70.8427% | 7,049 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.2174% | 72 |
| Assets per employee ($millions) | 1.8787% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5714% | 405 |
| Loan loss allowance to noncurrent loans | 2,780.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,740 |
| Noncurrent loans to loans | 0.1285% | 6,162 |
| Net loans and leases to total assets | 33.2949% | 6,578 |
| Net loans and leases to deposits | 33.8749% | 6,740 |
| Net loans and leases to core deposits | 33.8749% | 6,772 |
| Total domestic deposits to total assets | 98.2878% | 4 |
| Equity capital to assets | 1.6590% | 7,071 |
| Core capital (leverage) ratio | 1.6615% | 7,070 |
| Tier 1 risk-based capital ratio | 3.7543% | 7,041 |
| Total risk-based capital ratio | 5.0191% | 7,042 |
| Memoranda: | ||
| Average total assets | $11,282,000 | 7,061 |
| Average earning assets | $8,370,200 | 7,057 |
| Average equity | $268,200 | 7,082 |
| Average total loans | $4,333,800 | 7,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 5,276 |
| Cost of funding earning assets | 0.4723% | 5,619 |
| Net interest margin | 3.6052% | 4,214 |
| Noninterest income to average assets | -0.1536% | 7,055 |
| Noninterest expense to average assets | 4.1944% | 726 |
| Loan and lease loss provision to assets | 0.1181% | 4,074 |
| Net operating income to assets | -1.7605% | 7,010 |
| Return on assets (ROA) | -1.7605% | 7,019 |
| Pretax return on assets | -1.7605% | 6,993 |
| Return on Equity (ROE) | -68.8596% | 7,146 |
| Retained earnings to average equity (ytd only) | -68.8596% | 7,142 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.3519% | 71 |
| Assets per employee ($millions) | 1.8835% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5441% | 447 |
| Loan loss allowance to noncurrent loans | 408.8235% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,257 |
| Noncurrent loans to loans | 0.8669% | 4,686 |
| Net loans and leases to total assets | 33.4749% | 6,683 |
| Net loans and leases to deposits | 34.1920% | 6,862 |
| Net loans and leases to core deposits | 34.1920% | 6,897 |
| Total domestic deposits to total assets | 97.9028% | 5 |
| Equity capital to assets | 2.0175% | 7,165 |
| Core capital (leverage) ratio | 1.9866% | 7,169 |
| Tier 1 risk-based capital ratio | 3.9446% | 7,139 |
| Total risk-based capital ratio | 5.2076% | 7,139 |
| Memoranda: | ||
| Average total assets | $11,284,500 | 7,157 |
| Average earning assets | $8,469,250 | 7,150 |
| Average equity | $288,500 | 7,180 |
| Average total loans | $4,444,250 | 7,108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 5,635 |
| Cost of funding earning assets | 0.4651% | 5,872 |
| Net interest margin | 3.5347% | 4,531 |
| Noninterest income to average assets | -0.2837% | 7,152 |
| Noninterest expense to average assets | 4.3621% | 618 |
| Loan and lease loss provision to assets | 0.1773% | 3,322 |
| Net operating income to assets | -2.1278% | 7,083 |
| Return on assets (ROA) | -2.1278% | 7,094 |
| Pretax return on assets | -2.1278% | 7,084 |
| Return on Equity (ROE) | -77.7529% | 7,198 |
| Retained earnings to average equity (ytd only) | -77.7529% | 7,194 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.8824% | 56 |
| Assets per employee ($millions) | 1.9425% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1427% | 681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 5,880 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.7568% | 6,567 |
| Net loans and leases to deposits | 37.6152% | 6,817 |
| Net loans and leases to core deposits | 37.6152% | 6,875 |
| Total domestic deposits to total assets | 97.7177% | 7 |
| Equity capital to assets | 2.2051% | 7,213 |
| Core capital (leverage) ratio | 2.1880% | 7,210 |
| Tier 1 risk-based capital ratio | 4.0911% | 7,188 |
| Total risk-based capital ratio | 5.3486% | 7,190 |
| Memoranda: | ||
| Average total assets | $11,279,000 | 7,219 |
| Average earning assets | $8,600,330 | 7,212 |
| Average equity | $308,670 | 7,243 |
| Average total loans | $4,618,330 | 7,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 5,777 |
| Cost of funding earning assets | 0.4131% | 6,344 |
| Net interest margin | 3.5804% | 4,347 |
| Noninterest income to average assets | -1.2984% | 7,290 |
| Noninterest expense to average assets | 4.5803% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -3.0655% | 7,224 |
| Return on assets (ROA) | -3.0655% | 7,224 |
| Pretax return on assets | -3.0655% | 7,211 |
| Return on Equity (ROE) | -101.6442% | 7,267 |
| Retained earnings to average equity (ytd only) | -101.6442% | 7,263 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 302.3810% | 18 |
| Assets per employee ($millions) | 1.9198% | 7,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8673% | 943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 5,974 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.9373% | 6,495 |
| Net loans and leases to deposits | 38.9448% | 6,785 |
| Net loans and leases to core deposits | 38.9448% | 6,855 |
| Total domestic deposits to total assets | 97.4130% | 16 |
| Equity capital to assets | 2.5349% | 7,256 |
| Core capital (leverage) ratio | 2.6111% | 7,251 |
| Tier 1 risk-based capital ratio | 4.6166% | 7,229 |
| Total risk-based capital ratio | 5.8814% | 7,229 |
| Memoranda: | ||
| Average total assets | $11,091,000 | 7,282 |
| Average earning assets | $8,714,000 | 7,275 |
| Average equity | $334,500 | 7,306 |
| Average total loans | $4,716,000 | 7,222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 5,045 |
| Cost of funding earning assets | 0.5576% | 6,298 |
| Net interest margin | 3.9498% | 3,105 |
| Noninterest income to average assets | 0.4186% | 4,464 |
| Noninterest expense to average assets | 4.7908% | 462 |
| Loan and lease loss provision to assets | 0.5768% | 1,795 |
| Net operating income to assets | -1.7861% | 6,983 |
| Return on assets (ROA) | -1.7861% | 7,002 |
| Pretax return on assets | -1.7861% | 6,973 |
| Return on Equity (ROE) | -38.9137% | 7,155 |
| Retained earnings to average equity (ytd only) | -38.9137% | 7,150 |
| Net charge-offs to loans | 0.4959% | 3,013 |
| Credit loss provision to net charge-offs | 238.4615% | 1,017 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 6,362 |
| Efficiency ratio | 133.7662% | 211 |
| Assets per employee ($millions) | 1.7772% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6150% | 1,174 |
| Loan loss allowance to noncurrent loans | 211.4754% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 3,880 |
| Noncurrent loans to loans | 1.2366% | 4,298 |
| Net loans and leases to total assets | 45.0530% | 6,104 |
| Net loans and leases to deposits | 46.7588% | 6,584 |
| Net loans and leases to core deposits | 46.7588% | 6,704 |
| Total domestic deposits to total assets | 96.3519% | 31 |
| Equity capital to assets | 3.5356% | 7,249 |
| Core capital (leverage) ratio | 3.5194% | 7,237 |
| Tier 1 risk-based capital ratio | 6.9918% | 7,159 |
| Total risk-based capital ratio | 8.2530% | 7,157 |
| Memoranda: | ||
| Average total assets | $10,749,800 | 7,328 |
| Average earning assets | $8,608,000 | 7,322 |
| Average equity | $493,400 | 7,354 |
| Average total loans | $5,243,400 | 7,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 5,506 |
| Cost of funding earning assets | 0.5666% | 6,439 |
| Net interest margin | 3.8611% | 3,568 |
| Noninterest income to average assets | 0.5818% | 3,287 |
| Noninterest expense to average assets | 4.7903% | 443 |
| Loan and lease loss provision to assets | 0.4951% | 2,007 |
| Net operating income to assets | -1.4977% | 7,041 |
| Return on assets (ROA) | -1.4977% | 7,053 |
| Pretax return on assets | -1.4977% | 7,017 |
| Return on Equity (ROE) | -30.8766% | 7,199 |
| Retained earnings to average equity (ytd only) | -30.8766% | 7,192 |
| Net charge-offs to loans | 0.6516% | 2,296 |
| Credit loss provision to net charge-offs | 153.8462% | 2,017 |
| Earnings coverage of net charge-offs (x) | -3.1151% | 6,065 |
| Efficiency ratio | 126.4706% | 255 |
| Assets per employee ($millions) | 1.7613% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 1,880 |
| Loan loss allowance to noncurrent loans | 2,675.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 4,282 |
| Noncurrent loans to loans | 0.0819% | 6,731 |
| Net loans and leases to total assets | 45.2025% | 6,223 |
| Net loans and leases to deposits | 47.2736% | 6,669 |
| Net loans and leases to core deposits | 47.2736% | 6,792 |
| Total domestic deposits to total assets | 95.6188% | 38 |
| Equity capital to assets | 4.2487% | 7,302 |
| Core capital (leverage) ratio | 4.1814% | 7,288 |
| Tier 1 risk-based capital ratio | 8.0553% | 7,190 |
| Total risk-based capital ratio | 9.3111% | 7,193 |
| Memoranda: | ||
| Average total assets | $10,771,500 | 7,404 |
| Average earning assets | $8,943,500 | 7,398 |
| Average equity | $522,500 | 7,431 |
| Average total loans | $5,321,000 | 7,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 5,639 |
| Cost of funding earning assets | 0.5625% | 6,619 |
| Net interest margin | 3.8509% | 3,532 |
| Noninterest income to average assets | 0.5720% | 3,321 |
| Noninterest expense to average assets | 4.7235% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.8672% | 6,899 |
| Return on assets (ROA) | -0.8672% | 6,901 |
| Pretax return on assets | -0.8672% | 6,851 |
| Return on Equity (ROE) | -17.1846% | 7,115 |
| Retained earnings to average equity (ytd only) | -17.1846% | 7,096 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4880% | 319 |
| Assets per employee ($millions) | 1.5497% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,410 |
| Loan loss allowance to noncurrent loans | 221.4286% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 4,122 |
| Noncurrent loans to loans | 0.7557% | 5,396 |
| Net loans and leases to total assets | 50.3779% | 5,772 |
| Net loans and leases to deposits | 52.9914% | 6,394 |
| Net loans and leases to core deposits | 52.9914% | 6,614 |
| Total domestic deposits to total assets | 95.0682% | 49 |
| Equity capital to assets | 4.8212% | 7,332 |
| Core capital (leverage) ratio | 4.7215% | 7,324 |
| Tier 1 risk-based capital ratio | 8.8855% | 7,188 |
| Total risk-based capital ratio | 10.1427% | 7,187 |
| Memoranda: | ||
| Average total assets | $10,839,330 | 7,480 |
| Average earning assets | $9,244,670 | 7,473 |
| Average equity | $547,000 | 7,507 |
| Average total loans | $5,466,670 | 7,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 5,842 |
| Cost of funding earning assets | 0.6093% | 6,574 |
| Net interest margin | 3.7430% | 3,881 |
| Noninterest income to average assets | 0.7753% | 2,131 |
| Noninterest expense to average assets | 4.7254% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7753% | 6,948 |
| Return on assets (ROA) | -0.7753% | 6,958 |
| Pretax return on assets | -0.7753% | 6,906 |
| Return on Equity (ROE) | -15.0268% | 7,147 |
| Retained earnings to average equity (ytd only) | -15.0268% | 7,046 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6262% | 349 |
| Assets per employee ($millions) | 1.5451% | 7,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 3,066 |
| Loan loss allowance to noncurrent loans | 404.3478% | 774 |
| Noncurrent assets plus other real estate owned to assets | 2.2282% | 3,031 |
| Noncurrent loans to loans | 0.4404% | 6,128 |
| Net loans and leases to total assets | 47.4205% | 6,144 |
| Net loans and leases to deposits | 50.0146% | 6,621 |
| Net loans and leases to core deposits | 50.0146% | 6,772 |
| Total domestic deposits to total assets | 94.8132% | 58 |
| Equity capital to assets | 5.0758% | 7,370 |
| Core capital (leverage) ratio | 5.0632% | 7,357 |
| Tier 1 risk-based capital ratio | 9.6791% | 7,100 |
| Total risk-based capital ratio | 10.9309% | 7,115 |
| Memoranda: | ||
| Average total assets | $10,835,000 | 7,538 |
| Average earning assets | $9,190,500 | 7,533 |
| Average equity | $559,000 | 7,564 |
| Average total loans | $5,421,000 | 7,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 6,313 |
| Cost of funding earning assets | 0.6889% | 6,914 |
| Net interest margin | 3.8410% | 3,773 |
| Noninterest income to average assets | -0.2901% | 7,505 |
| Noninterest expense to average assets | 4.9576% | 426 |
| Loan and lease loss provision to assets | 1.3800% | 1,091 |
| Net operating income to assets | -3.4018% | 7,360 |
| Return on assets (ROA) | -3.4018% | 7,372 |
| Pretax return on assets | -3.3930% | 7,348 |
| Return on Equity (ROE) | -45.3480% | 7,391 |
| Retained earnings to average equity (ytd only) | -45.3480% | 7,386 |
| Net charge-offs to loans | 3.0931% | 521 |
| Credit loss provision to net charge-offs | 79.6954% | 5,569 |
| Earnings coverage of net charge-offs (x) | -1.1624% | 6,634 |
| Efficiency ratio | 168.3582% | 139 |
| Assets per employee ($millions) | 1.5506% | 7,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,379 |
| Loan loss allowance to noncurrent loans | 387.5000% | 805 |
| Noncurrent assets plus other real estate owned to assets | 2.2296% | 3,057 |
| Noncurrent loans to loans | 0.4270% | 6,192 |
| Net loans and leases to total assets | 50.9213% | 6,053 |
| Net loans and leases to deposits | 53.8065% | 6,622 |
| Net loans and leases to core deposits | 53.8065% | 6,823 |
| Total domestic deposits to total assets | 94.6379% | 66 |
| Equity capital to assets | 5.2423% | 7,416 |
| Core capital (leverage) ratio | 4.9934% | 7,419 |
| Tier 1 risk-based capital ratio | 9.4112% | 7,158 |
| Total risk-based capital ratio | 10.6682% | 7,162 |
| Memoranda: | ||
| Average total assets | $11,376,400 | 7,611 |
| Average earning assets | $9,580,800 | 7,603 |
| Average equity | $853,400 | 7,643 |
| Average total loans | $6,369,000 | 7,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 5,819 |
| Cost of funding earning assets | 0.7175% | 7,016 |
| Net interest margin | 4.0432% | 2,890 |
| Noninterest income to average assets | 0.4403% | 4,633 |
| Noninterest expense to average assets | 4.6927% | 493 |
| Loan and lease loss provision to assets | 0.0232% | 6,829 |
| Net operating income to assets | -0.7531% | 6,767 |
| Return on assets (ROA) | -0.7531% | 6,802 |
| Pretax return on assets | -0.8806% | 6,790 |
| Return on Equity (ROE) | -9.3737% | 6,897 |
| Retained earnings to average equity (ytd only) | -9.3737% | 6,842 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3565% | 368 |
| Assets per employee ($millions) | 1.6163% | 7,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 1,850 |
| Loan loss allowance to noncurrent loans | 48.5612% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 4.6756% | 1,418 |
| Noncurrent loans to loans | 4.4752% | 1,617 |
| Net loans and leases to total assets | 53.7122% | 5,887 |
| Net loans and leases to deposits | 58.6980% | 6,409 |
| Net loans and leases to core deposits | 58.6980% | 6,694 |
| Total domestic deposits to total assets | 91.5061% | 305 |
| Equity capital to assets | 7.8840% | 6,880 |
| Core capital (leverage) ratio | 7.6744% | 6,702 |
| Tier 1 risk-based capital ratio | 13.3994% | 4,270 |
| Total risk-based capital ratio | 14.6613% | 4,227 |
| Memoranda: | ||
| Average total assets | $11,507,000 | 7,713 |
| Average earning assets | $9,662,250 | 7,703 |
| Average equity | $924,500 | 7,738 |
| Average total loans | $6,556,250 | 7,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 6,489 |
| Cost of funding earning assets | 0.6583% | 7,280 |
| Net interest margin | 3.9291% | 3,321 |
| Noninterest income to average assets | 0.5358% | 3,828 |
| Noninterest expense to average assets | 4.7186% | 468 |
| Loan and lease loss provision to assets | 0.0346% | 6,609 |
| Net operating income to assets | -0.7778% | 6,854 |
| Return on assets (ROA) | -0.7778% | 6,868 |
| Pretax return on assets | -0.9161% | 6,851 |
| Return on Equity (ROE) | -9.6223% | 6,954 |
| Retained earnings to average equity (ytd only) | -9.6223% | 6,899 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9730% | 379 |
| Assets per employee ($millions) | 1.6314% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 2,040 |
| Loan loss allowance to noncurrent loans | 198.5294% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7933% | 2,587 |
| Noncurrent loans to loans | 1.0406% | 5,225 |
| Net loans and leases to total assets | 56.0420% | 5,692 |
| Net loans and leases to deposits | 61.3438% | 6,285 |
| Net loans and leases to core deposits | 61.3438% | 6,611 |
| Total domestic deposits to total assets | 91.3573% | 368 |
| Equity capital to assets | 7.9860% | 6,764 |
| Core capital (leverage) ratio | 7.7446% | 6,561 |
| Tier 1 risk-based capital ratio | 10.9208% | 6,318 |
| Total risk-based capital ratio | 12.1782% | 6,297 |
| Memoranda: | ||
| Average total assets | $11,571,330 | 7,780 |
| Average earning assets | $9,722,330 | 7,770 |
| Average equity | $935,330 | 7,805 |
| Average total loans | $6,671,000 | 7,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 6,515 |
| Cost of funding earning assets | 0.5310% | 7,626 |
| Net interest margin | 4.0843% | 2,511 |
| Noninterest income to average assets | 0.5838% | 3,382 |
| Noninterest expense to average assets | 4.7394% | 467 |
| Loan and lease loss provision to assets | 0.0687% | 5,948 |
| Net operating income to assets | -0.6869% | 6,950 |
| Return on assets (ROA) | -0.6869% | 6,975 |
| Pretax return on assets | -0.7899% | 6,943 |
| Return on Equity (ROE) | -8.4477% | 7,075 |
| Retained earnings to average equity (ytd only) | -8.4477% | 6,863 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9487% | 469 |
| Assets per employee ($millions) | 1.6861% | 7,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,848 |
| Loan loss allowance to noncurrent loans | 195.6522% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 2,684 |
| Noncurrent loans to loans | 1.0996% | 5,156 |
| Net loans and leases to total assets | 52.0207% | 6,271 |
| Net loans and leases to deposits | 56.8993% | 6,707 |
| Net loans and leases to core deposits | 56.8993% | 6,942 |
| Total domestic deposits to total assets | 91.4259% | 395 |
| Equity capital to assets | 7.9387% | 6,723 |
| Core capital (leverage) ratio | 8.0978% | 6,079 |
| Tier 1 risk-based capital ratio | 12.6076% | 4,640 |
| Total risk-based capital ratio | 13.8590% | 4,598 |
| Memoranda: | ||
| Average total assets | $11,647,000 | 7,880 |
| Average earning assets | $9,793,500 | 7,873 |
| Average equity | $947,000 | 7,895 |
| Average total loans | $6,739,000 | 7,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 4,042 |
| Cost of funding earning assets | 0.8908% | 7,422 |
| Net interest margin | 4.6283% | 935 |
| Noninterest income to average assets | 0.7262% | 2,808 |
| Noninterest expense to average assets | 4.6305% | 697 |
| Loan and lease loss provision to assets | 0.2307% | 5,522 |
| Net operating income to assets | -0.2221% | 5,863 |
| Return on assets (ROA) | -0.2221% | 5,860 |
| Pretax return on assets | -0.2734% | 5,807 |
| Return on Equity (ROE) | -2.5606% | 5,930 |
| Retained earnings to average equity (ytd only) | -7.7802% | 6,326 |
| Net charge-offs to loans | 0.4856% | 3,830 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | -0.1389% | 6,374 |
| Efficiency ratio | 100.9311% | 1,060 |
| Assets per employee ($millions) | 1.6416% | 7,866 |
| Cash dividends to net income (ytd only)* | -203.8462% | 7,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 2,441 |
| Loan loss allowance to noncurrent loans | 194.1176% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 2.7761% | 2,515 |
| Noncurrent loans to loans | 0.9441% | 5,425 |
| Net loans and leases to total assets | 61.5351% | 5,096 |
| Net loans and leases to deposits | 67.5552% | 5,882 |
| Net loans and leases to core deposits | 72.6497% | 6,611 |
| Total domestic deposits to total assets | 91.0887% | 502 |
| Equity capital to assets | 8.3283% | 6,155 |
| Core capital (leverage) ratio | 8.1170% | 5,962 |
| Tier 1 risk-based capital ratio | 12.4658% | 4,552 |
| Total risk-based capital ratio | 13.7814% | 4,439 |
| Memoranda: | ||
| Average total assets | $11,705,000 | 7,951 |
| Average earning assets | $9,766,000 | 7,945 |
| Average equity | $1,015,400 | 7,976 |
| Average total loans | $7,414,000 | 7,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4793% | 4,523 |
| Cost of funding earning assets | 0.8450% | 7,631 |
| Net interest margin | 4.6342% | 936 |
| Noninterest income to average assets | 0.7824% | 2,532 |
| Noninterest expense to average assets | 4.4563% | 779 |
| Loan and lease loss provision to assets | 0.2381% | 5,060 |
| Net operating income to assets | -0.0567% | 5,817 |
| Return on assets (ROA) | -0.0567% | 5,865 |
| Pretax return on assets | -0.0567% | 5,793 |
| Return on Equity (ROE) | -0.6476% | 5,878 |
| Retained earnings to average equity (ytd only) | -2.8476% | 5,907 |
| Net charge-offs to loans | 0.6428% | 2,753 |
| Credit loss provision to net charge-offs | 58.3333% | 6,200 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 5,583 |
| Efficiency ratio | 96.0880% | 1,269 |
| Assets per employee ($millions) | 1.6553% | 7,948 |
| Cash dividends to net income (ytd only)* | -339.8801% | 8,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 3,153 |
| Loan loss allowance to noncurrent loans | 189.5522% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 2.7531% | 2,526 |
| Noncurrent loans to loans | 0.8240% | 5,649 |
| Net loans and leases to total assets | 69.0774% | 3,696 |
| Net loans and leases to deposits | 76.3158% | 4,983 |
| Net loans and leases to core deposits | 82.0502% | 6,183 |
| Total domestic deposits to total assets | 90.5152% | 588 |
| Equity capital to assets | 8.7512% | 5,878 |
| Core capital (leverage) ratio | 8.3698% | 5,716 |
| Tier 1 risk-based capital ratio | 11.6324% | 5,303 |
| Total risk-based capital ratio | 12.8829% | 5,239 |
| Memoranda: | ||
| Average total assets | $11,758,500 | 8,032 |
| Average earning assets | $9,782,000 | 8,028 |
| Average equity | $1,030,000 | 8,061 |
| Average total loans | $7,466,750 | 7,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 4,903 |
| Cost of funding earning assets | 0.8768% | 7,722 |
| Net interest margin | 4.5719% | 1,014 |
| Noninterest income to average assets | 0.8463% | 2,189 |
| Noninterest expense to average assets | 4.2317% | 1,035 |
| Loan and lease loss provision to assets | 0.2708% | 4,410 |
| Net operating income to assets | 0.0339% | 5,745 |
| Return on assets (ROA) | 0.0339% | 5,833 |
| Pretax return on assets | 0.0508% | 5,778 |
| Return on Equity (ROE) | 0.3864% | 5,817 |
| Retained earnings to average equity (ytd only) | -2.8976% | 5,951 |
| Net charge-offs to loans | 0.1104% | 5,055 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,014 |
| Efficiency ratio | 92.9368% | 1,571 |
| Assets per employee ($millions) | 1.7490% | 8,006 |
| Cash dividends to net income (ytd only)* | 850.0000% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 1,481 |
| Loan loss allowance to noncurrent loans | 152.4752% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 3.0140% | 2,108 |
| Noncurrent loans to loans | 1.3440% | 4,523 |
| Net loans and leases to total assets | 60.1242% | 5,657 |
| Net loans and leases to deposits | 66.1306% | 6,377 |
| Net loans and leases to core deposits | 70.7925% | 6,981 |
| Total domestic deposits to total assets | 90.9173% | 481 |
| Equity capital to assets | 8.3395% | 6,275 |
| Core capital (leverage) ratio | 8.4597% | 5,511 |
| Tier 1 risk-based capital ratio | 12.1043% | 4,836 |
| Total risk-based capital ratio | 13.3610% | 4,742 |
| Memoranda: | ||
| Average total assets | $11,815,670 | 8,120 |
| Average earning assets | $9,580,330 | 8,119 |
| Average equity | $1,035,330 | 8,151 |
| Average total loans | $7,245,330 | 7,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6125% | 4,281 |
| Cost of funding earning assets | 0.9208% | 7,787 |
| Net interest margin | 4.6917% | 775 |
| Noninterest income to average assets | 0.8619% | 2,023 |
| Noninterest expense to average assets | 3.9648% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4482% | 4,659 |
| Return on assets (ROA) | 0.4482% | 4,831 |
| Pretax return on assets | 0.5861% | 4,801 |
| Return on Equity (ROE) | 4.9880% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.9880% | 3,134 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1212% | 1,964 |
| Assets per employee ($millions) | 1.6561% | 8,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 1,505 |
| Loan loss allowance to noncurrent loans | 52.5926% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 5.2618% | 832 |
| Noncurrent loans to loans | 3.7216% | 1,670 |
| Net loans and leases to total assets | 61.3560% | 5,437 |
| Net loans and leases to deposits | 68.1191% | 6,177 |
| Net loans and leases to core deposits | 73.2619% | 6,851 |
| Total domestic deposits to total assets | 90.0716% | 769 |
| Equity capital to assets | 9.0486% | 5,295 |
| Core capital (leverage) ratio | 9.0097% | 4,696 |
| Tier 1 risk-based capital ratio | 13.0798% | 4,138 |
| Total risk-based capital ratio | 14.3392% | 4,038 |
| Memoranda: | ||
| Average total assets | $11,602,000 | 8,170 |
| Average earning assets | $9,122,500 | 8,174 |
| Average equity | $1,042,500 | 8,203 |
| Average total loans | $7,110,500 | 8,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1439% | 4,807 |
| Cost of funding earning assets | 1.4595% | 7,670 |
| Net interest margin | 4.6843% | 999 |
| Noninterest income to average assets | 0.6671% | 3,358 |
| Noninterest expense to average assets | 4.6945% | 767 |
| Loan and lease loss provision to assets | 0.1334% | 5,657 |
| Net operating income to assets | -0.1751% | 6,590 |
| Return on assets (ROA) | -0.1751% | 6,439 |
| Pretax return on assets | -0.2001% | 6,370 |
| Return on Equity (ROE) | -1.9678% | 6,496 |
| Retained earnings to average equity (ytd only) | -3.4670% | 6,223 |
| Net charge-offs to loans | 0.2676% | 3,617 |
| Credit loss provision to net charge-offs | 94.1176% | 5,566 |
| Earnings coverage of net charge-offs (x) | -0.4706% | 6,474 |
| Efficiency ratio | 101.4414% | 926 |
| Assets per employee ($millions) | 1.6587% | 8,111 |
| Cash dividends to net income (ytd only)* | -76.1905% | 8,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 1,158 |
| Loan loss allowance to noncurrent loans | 182.0513% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 3.8412% | 1,103 |
| Noncurrent loans to loans | 1.1197% | 4,309 |
| Net loans and leases to total assets | 58.7719% | 6,096 |
| Net loans and leases to deposits | 65.1021% | 6,706 |
| Net loans and leases to core deposits | 69.9897% | 7,188 |
| Total domestic deposits to total assets | 90.2765% | 557 |
| Equity capital to assets | 8.9226% | 5,467 |
| Core capital (leverage) ratio | 8.5282% | 5,521 |
| Tier 1 risk-based capital ratio | 13.2821% | 3,946 |
| Total risk-based capital ratio | 14.5385% | 3,851 |
| Memoranda: | ||
| Average total assets | $11,992,800 | 8,217 |
| Average earning assets | $10,140,200 | 8,212 |
| Average equity | $1,067,200 | 8,268 |
| Average total loans | $6,353,600 | 8,111 |