Home > The Community's Bank > Performance and Condition Ratios
The Community's Bank, Performance and Condition Ratios
| 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 | 5.1042% | 768 |
| Cost of funding earning assets | 1.0549% | 421 |
| Net interest margin | 4.0493% | 1,697 |
| Noninterest income to average assets | -0.5543% | 6,913 |
| Noninterest expense to average assets | 8.3505% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -9.6368% | 6,938 |
| Return on assets (ROA) | -9.6368% | 6,937 |
| Pretax return on assets | -5.3585% | 6,922 |
| Return on Equity (ROE) | -268.7810% | 6,938 |
| Retained earnings to average equity (ytd only) | -268.7810% | 6,938 |
| Net charge-offs to loans | 0.3123% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -30.1600% | 4,891 |
| Efficiency ratio | 279.0974% | 13 |
| Assets per employee ($millions) | 2.0283% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,067 |
| Loan loss allowance to noncurrent loans | 39.2344% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 8.2638% | 235 |
| Noncurrent loans to loans | 4.1449% | 917 |
| Net loans and leases to total assets | 56.4358% | 4,216 |
| Net loans and leases to deposits | 57.8689% | 5,168 |
| Net loans and leases to core deposits | 63.7657% | 4,920 |
| Total domestic deposits to total assets | 97.5235% | 5 |
| Equity capital to assets | -0.1176% | 6,938 |
| Core capital (leverage) ratio | 1.1049% | 6,936 |
| Tier 1 risk-based capital ratio | 1.8859% | 6,934 |
| Total risk-based capital ratio | 3.1410% | 6,934 |
| Memoranda: | ||
| Average total assets | $28,142,000 | 6,688 |
| Average earning assets | $24,646,330 | 6,686 |
| Average equity | $1,009,000 | 6,923 |
| Average total loans | $16,012,330 | 6,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 808 |
| Cost of funding earning assets | 1.0620% | 450 |
| Net interest margin | 3.9980% | 1,792 |
| Noninterest income to average assets | 0.2756% | 5,479 |
| Noninterest expense to average assets | 8.4467% | 110 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -4.6436% | 6,996 |
| Return on assets (ROA) | -4.6436% | 6,996 |
| Pretax return on assets | -4.6436% | 6,996 |
| Return on Equity (ROE) | -88.1622% | 7,001 |
| Retained earnings to average equity (ytd only) | -88.1622% | 6,999 |
| Net charge-offs to loans | 0.6320% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -12.9615% | 4,111 |
| Efficiency ratio | 222.1014% | 24 |
| Assets per employee ($millions) | 2.1748% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,835 |
| Loan loss allowance to noncurrent loans | 12.4176% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 9.0687% | 244 |
| Noncurrent loans to loans | 12.0784% | 132 |
| Net loans and leases to total assets | 56.9094% | 3,941 |
| Net loans and leases to deposits | 62.4660% | 4,476 |
| Net loans and leases to core deposits | 70.3204% | 4,035 |
| Total domestic deposits to total assets | 91.1046% | 483 |
| Equity capital to assets | 4.7890% | 6,903 |
| Core capital (leverage) ratio | 2.5650% | 6,984 |
| Tier 1 risk-based capital ratio | 4.4229% | 6,967 |
| Total risk-based capital ratio | 5.6788% | 6,968 |
| Memoranda: | ||
| Average total assets | $29,029,000 | 6,739 |
| Average earning assets | $25,612,500 | 6,729 |
| Average equity | $1,529,000 | 6,951 |
| Average total loans | $16,455,000 | 6,507 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 732 |
| Cost of funding earning assets | 1.2648% | 427 |
| Net interest margin | 4.1562% | 1,795 |
| Noninterest income to average assets | 0.2586% | 5,615 |
| Noninterest expense to average assets | 6.4778% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -5.6558% | 7,067 |
| Return on assets (ROA) | -5.6496% | 7,066 |
| Pretax return on assets | -2.5708% | 6,983 |
| Return on Equity (ROE) | -72.3409% | 7,051 |
| Retained earnings to average equity (ytd only) | -72.3409% | 7,051 |
| Net charge-offs to loans | 0.0673% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -69.7500% | 5,979 |
| Efficiency ratio | 166.0616% | 70 |
| Assets per employee ($millions) | 2.2912% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 3,165 |
| Loan loss allowance to noncurrent loans | 32.7690% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 4.7104% | 860 |
| Noncurrent loans to loans | 4.9894% | 801 |
| Net loans and leases to total assets | 54.7390% | 4,502 |
| Net loans and leases to deposits | 61.5338% | 4,842 |
| Net loans and leases to core deposits | 70.0494% | 4,302 |
| Total domestic deposits to total assets | 88.9575% | 1,591 |
| Equity capital to assets | 5.7210% | 6,908 |
| Core capital (leverage) ratio | 3.5356% | 7,015 |
| Tier 1 risk-based capital ratio | 6.2629% | 6,980 |
| Total risk-based capital ratio | 7.5155% | 6,983 |
| Memoranda: | ||
| Average total assets | $32,480,000 | 6,695 |
| Average earning assets | $28,463,400 | 6,701 |
| Average equity | $2,536,600 | 6,873 |
| Average total loans | $17,836,600 | 6,516 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 665 |
| Cost of funding earning assets | 1.3029% | 432 |
| Net interest margin | 4.2070% | 1,717 |
| Noninterest income to average assets | 0.2694% | 5,627 |
| Noninterest expense to average assets | 6.3903% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -6.4345% | 7,172 |
| Return on assets (ROA) | -6.4265% | 7,173 |
| Pretax return on assets | -2.4250% | 7,073 |
| Return on Equity (ROE) | -77.6249% | 7,152 |
| Retained earnings to average equity (ytd only) | -77.6249% | 7,150 |
| Net charge-offs to loans | 0.0955% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -46.5465% | 5,755 |
| Efficiency ratio | 161.4837% | 73 |
| Assets per employee ($millions) | 2.5368% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,479 |
| Loan loss allowance to noncurrent loans | 17.6817% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 6.6982% | 547 |
| Noncurrent loans to loans | 9.1066% | 299 |
| Net loans and leases to total assets | 54.1966% | 4,724 |
| Net loans and leases to deposits | 62.3342% | 4,925 |
| Net loans and leases to core deposits | 73.7835% | 3,998 |
| Total domestic deposits to total assets | 86.9452% | 2,700 |
| Equity capital to assets | 6.4190% | 6,954 |
| Core capital (leverage) ratio | 4.1990% | 7,079 |
| Tier 1 risk-based capital ratio | 7.5195% | 7,021 |
| Total risk-based capital ratio | 8.7708% | 7,022 |
| Memoranda: | ||
| Average total assets | $33,153,750 | 6,758 |
| Average earning assets | $29,061,750 | 6,775 |
| Average equity | $2,744,750 | 6,917 |
| Average total loans | $18,152,000 | 6,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6641% | 515 |
| Cost of funding earning assets | 1.3236% | 472 |
| Net interest margin | 4.3404% | 1,367 |
| Noninterest income to average assets | 0.1057% | 6,646 |
| Noninterest expense to average assets | 6.2658% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -8.2330% | 7,236 |
| Return on assets (ROA) | -8.2213% | 7,235 |
| Pretax return on assets | -2.3548% | 7,103 |
| Return on Equity (ROE) | -93.0749% | 7,205 |
| Retained earnings to average equity (ytd only) | -93.0749% | 7,201 |
| Net charge-offs to loans | 0.1827% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -23.7059% | 5,483 |
| Efficiency ratio | 160.6928% | 81 |
| Assets per employee ($millions) | 2.3033% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,873 |
| Loan loss allowance to noncurrent loans | 25.8755% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 5.1727% | 904 |
| Noncurrent loans to loans | 5.9118% | 757 |
| Net loans and leases to total assets | 53.1012% | 4,943 |
| Net loans and leases to deposits | 62.0376% | 4,989 |
| Net loans and leases to core deposits | 72.0877% | 4,286 |
| Total domestic deposits to total assets | 85.5951% | 3,569 |
| Equity capital to assets | 6.6706% | 6,959 |
| Core capital (leverage) ratio | 4.6993% | 7,089 |
| Tier 1 risk-based capital ratio | 8.2756% | 7,027 |
| Total risk-based capital ratio | 9.5220% | 7,029 |
| Memoranda: | ||
| Average total assets | $34,058,000 | 6,785 |
| Average earning assets | $29,766,670 | 6,802 |
| Average equity | $3,008,330 | 6,911 |
| Average total loans | $18,613,330 | 6,617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 425 |
| Cost of funding earning assets | 1.3474% | 524 |
| Net interest margin | 4.4516% | 1,108 |
| Noninterest income to average assets | 0.0343% | 6,992 |
| Noninterest expense to average assets | 6.5668% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6318% | 7,114 |
| Return on assets (ROA) | -1.6245% | 7,116 |
| Pretax return on assets | -2.6656% | 7,191 |
| Return on Equity (ROE) | -16.5260% | 7,078 |
| Retained earnings to average equity (ytd only) | -16.5260% | 6,997 |
| Net charge-offs to loans | -0.4369% | 7,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.8235% | 70 |
| Assets per employee ($millions) | 2.3999% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,588 |
| Loan loss allowance to noncurrent loans | 18.5479% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 6.3962% | 710 |
| Noncurrent loans to loans | 8.8242% | 402 |
| Net loans and leases to total assets | 54.3782% | 4,658 |
| Net loans and leases to deposits | 66.6302% | 4,288 |
| Net loans and leases to core deposits | 76.9879% | 3,474 |
| Total domestic deposits to total assets | 81.6120% | 5,422 |
| Equity capital to assets | 9.9321% | 4,218 |
| Core capital (leverage) ratio | 4.9323% | 7,124 |
| Tier 1 risk-based capital ratio | 8.7742% | 7,052 |
| Total risk-based capital ratio | 10.0306% | 7,057 |
| Memoranda: | ||
| Average total assets | $34,964,000 | 6,824 |
| Average earning assets | $30,281,500 | 6,836 |
| Average equity | $3,437,000 | 6,866 |
| Average total loans | $19,225,500 | 6,645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 1,899 |
| Cost of funding earning assets | 1.4938% | 739 |
| Net interest margin | 3.7505% | 4,078 |
| Noninterest income to average assets | 0.2034% | 6,047 |
| Noninterest expense to average assets | 6.3040% | 181 |
| Loan and lease loss provision to assets | -0.2112% | 7,306 |
| Net operating income to assets | -1.5741% | 6,923 |
| Return on assets (ROA) | -1.5709% | 6,944 |
| Pretax return on assets | -2.5674% | 7,128 |
| Return on Equity (ROE) | -16.4412% | 6,924 |
| Retained earnings to average equity (ytd only) | -16.4412% | 6,903 |
| Net charge-offs to loans | 0.1314% | 5,098 |
| Credit loss provision to net charge-offs | -282.7586% | 6,773 |
| Earnings coverage of net charge-offs (x) | -37.2759% | 6,423 |
| Efficiency ratio | 179.0783% | 85 |
| Assets per employee ($millions) | 2.5950% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 4,356 |
| Loan loss allowance to noncurrent loans | 18.1760% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 6.1657% | 785 |
| Noncurrent loans to loans | 7.8332% | 525 |
| Net loans and leases to total assets | 53.9334% | 5,049 |
| Net loans and leases to deposits | 66.7075% | 4,635 |
| Net loans and leases to core deposits | 78.0389% | 3,685 |
| Total domestic deposits to total assets | 80.8505% | 5,492 |
| Equity capital to assets | 9.7358% | 4,538 |
| Core capital (leverage) ratio | 5.3433% | 7,111 |
| Tier 1 risk-based capital ratio | 9.0709% | 7,025 |
| Total risk-based capital ratio | 10.3244% | 7,026 |
| Memoranda: | ||
| Average total assets | $38,832,400 | 6,709 |
| Average earning assets | $34,342,000 | 6,741 |
| Average equity | $3,710,200 | 6,827 |
| Average total loans | $22,065,800 | 6,553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 2,036 |
| Cost of funding earning assets | 1.5241% | 785 |
| Net interest margin | 3.7247% | 4,229 |
| Noninterest income to average assets | 0.1386% | 6,557 |
| Noninterest expense to average assets | 6.0147% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.5654% | 7,058 |
| Return on assets (ROA) | -1.5611% | 7,067 |
| Pretax return on assets | -2.5579% | 7,215 |
| Return on Equity (ROE) | -16.4108% | 7,042 |
| Retained earnings to average equity (ytd only) | -16.4108% | 7,020 |
| Net charge-offs to loans | 0.2300% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -19.4610% | 6,150 |
| Efficiency ratio | 174.3389% | 86 |
| Assets per employee ($millions) | 2.7599% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 3,346 |
| Loan loss allowance to noncurrent loans | 19.2100% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 6.5504% | 785 |
| Noncurrent loans to loans | 8.7363% | 473 |
| Net loans and leases to total assets | 53.8264% | 5,188 |
| Net loans and leases to deposits | 66.9866% | 4,756 |
| Net loans and leases to core deposits | 81.7403% | 3,364 |
| Total domestic deposits to total assets | 80.3540% | 5,634 |
| Equity capital to assets | 9.5163% | 5,058 |
| Core capital (leverage) ratio | 5.7718% | 7,159 |
| Tier 1 risk-based capital ratio | 9.5766% | 7,042 |
| Total risk-based capital ratio | 10.8325% | 7,040 |
| Memoranda: | ||
| Average total assets | $39,458,000 | 6,755 |
| Average earning assets | $35,079,750 | 6,772 |
| Average equity | $3,753,500 | 6,868 |
| Average total loans | $22,613,000 | 6,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 1,843 |
| Cost of funding earning assets | 1.5495% | 840 |
| Net interest margin | 3.7639% | 3,969 |
| Noninterest income to average assets | 0.1007% | 6,819 |
| Noninterest expense to average assets | 5.7638% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.4040% | 7,070 |
| Return on assets (ROA) | -1.3944% | 7,078 |
| Pretax return on assets | -2.2854% | 7,219 |
| Return on Equity (ROE) | -14.6600% | 7,055 |
| Retained earnings to average equity (ytd only) | -14.6600% | 7,026 |
| Net charge-offs to loans | -0.0346% | 6,954 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.4244% | 107 |
| Assets per employee ($millions) | 2.7644% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 3,085 |
| Loan loss allowance to noncurrent loans | 19.2643% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 6.6560% | 790 |
| Noncurrent loans to loans | 9.2014% | 448 |
| Net loans and leases to total assets | 56.9867% | 4,821 |
| Net loans and leases to deposits | 71.5955% | 4,187 |
| Net loans and leases to core deposits | 93.3664% | 1,977 |
| Total domestic deposits to total assets | 79.5954% | 5,929 |
| Equity capital to assets | 9.5241% | 4,779 |
| Core capital (leverage) ratio | 6.4775% | 7,129 |
| Tier 1 risk-based capital ratio | 10.6999% | 6,715 |
| Total risk-based capital ratio | 11.9540% | 6,694 |
| Memoranda: | ||
| Average total assets | $39,731,000 | 6,795 |
| Average earning assets | $35,495,000 | 6,820 |
| Average equity | $3,779,000 | 6,909 |
| Average total loans | $23,099,670 | 6,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 1,820 |
| Cost of funding earning assets | 1.6566% | 659 |
| Net interest margin | 3.6578% | 4,294 |
| Noninterest income to average assets | 0.0099% | 7,270 |
| Noninterest expense to average assets | 5.7447% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5008% | 7,201 |
| Return on assets (ROA) | -1.5008% | 7,203 |
| Pretax return on assets | -2.4649% | 7,318 |
| Return on Equity (ROE) | -15.7888% | 7,163 |
| Retained earnings to average equity (ytd only) | -15.7888% | 7,066 |
| Net charge-offs to loans | -0.0512% | 6,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.1515% | 91 |
| Assets per employee ($millions) | 2.8786% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 3,204 |
| Loan loss allowance to noncurrent loans | 19.7316% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 6.2581% | 907 |
| Noncurrent loans to loans | 8.8296% | 517 |
| Net loans and leases to total assets | 55.5583% | 5,069 |
| Net loans and leases to deposits | 70.5086% | 4,269 |
| Net loans and leases to core deposits | 86.7057% | 2,771 |
| Total domestic deposits to total assets | 78.7965% | 6,238 |
| Equity capital to assets | 9.2953% | 4,734 |
| Core capital (leverage) ratio | 6.8680% | 7,059 |
| Tier 1 risk-based capital ratio | 11.1920% | 6,360 |
| Total risk-based capital ratio | 12.4445% | 6,328 |
| Memoranda: | ||
| Average total assets | $40,245,500 | 6,822 |
| Average earning assets | $35,978,000 | 6,845 |
| Average equity | $3,825,500 | 6,930 |
| Average total loans | $23,423,000 | 6,673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8659% | 1,117 |
| Cost of funding earning assets | 1.9703% | 674 |
| Net interest margin | 3.8957% | 3,507 |
| Noninterest income to average assets | 0.2382% | 6,091 |
| Noninterest expense to average assets | 5.7741% | 256 |
| Loan and lease loss provision to assets | 0.0238% | 6,885 |
| Net operating income to assets | -1.2656% | 6,815 |
| Return on assets (ROA) | -1.1315% | 6,777 |
| Pretax return on assets | -1.8366% | 6,976 |
| Return on Equity (ROE) | -11.0316% | 6,772 |
| Retained earnings to average equity (ytd only) | -11.0316% | 6,713 |
| Net charge-offs to loans | 0.2710% | 4,669 |
| Credit loss provision to net charge-offs | 13.8889% | 6,593 |
| Earnings coverage of net charge-offs (x) | -11.7917% | 6,802 |
| Efficiency ratio | 153.9048% | 196 |
| Assets per employee ($millions) | 3.0916% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,453 |
| Loan loss allowance to noncurrent loans | 16.6950% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 7.1260% | 756 |
| Noncurrent loans to loans | 9.7843% | 441 |
| Net loans and leases to total assets | 58.8838% | 4,874 |
| Net loans and leases to deposits | 76.9526% | 3,690 |
| Net loans and leases to core deposits | 114.3119% | 714 |
| Total domestic deposits to total assets | 76.5196% | 6,567 |
| Equity capital to assets | 9.7161% | 4,101 |
| Core capital (leverage) ratio | 7.3022% | 6,842 |
| Tier 1 risk-based capital ratio | 11.7230% | 5,705 |
| Total risk-based capital ratio | 12.9760% | 5,710 |
| Memoranda: | ||
| Average total assets | $41,980,800 | 6,799 |
| Average earning assets | $37,862,600 | 6,798 |
| Average equity | $4,305,800 | 6,891 |
| Average total loans | $26,564,000 | 6,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 1,092 |
| Cost of funding earning assets | 2.0340% | 674 |
| Net interest margin | 3.8837% | 3,594 |
| Noninterest income to average assets | 0.2388% | 6,179 |
| Noninterest expense to average assets | 5.8104% | 234 |
| Loan and lease loss provision to assets | 0.0314% | 6,758 |
| Net operating income to assets | -1.2989% | 7,033 |
| Return on assets (ROA) | -1.1219% | 6,987 |
| Pretax return on assets | -1.8164% | 7,140 |
| Return on Equity (ROE) | -10.8032% | 6,960 |
| Retained earnings to average equity (ytd only) | -10.8032% | 6,916 |
| Net charge-offs to loans | -0.0147% | 7,313 |
| Credit loss provision to net charge-offs | -333.3333% | 6,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.9874% | 184 |
| Assets per employee ($millions) | 2.9542% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,662 |
| Loan loss allowance to noncurrent loans | 22.1591% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 6.8272% | 805 |
| Noncurrent loans to loans | 8.3052% | 605 |
| Net loans and leases to total assets | 64.9967% | 3,907 |
| Net loans and leases to deposits | 89.6366% | 1,769 |
| Net loans and leases to core deposits | 167.7441% | 130 |
| Total domestic deposits to total assets | 72.5114% | 7,080 |
| Equity capital to assets | 11.0949% | 2,858 |
| Core capital (leverage) ratio | 7.7759% | 6,598 |
| Tier 1 risk-based capital ratio | 11.9620% | 5,499 |
| Total risk-based capital ratio | 13.2171% | 5,460 |
| Memoranda: | ||
| Average total assets | $42,428,250 | 6,869 |
| Average earning assets | $38,347,250 | 6,864 |
| Average equity | $4,406,000 | 6,940 |
| Average total loans | $27,190,250 | 6,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9115% | 1,157 |
| Cost of funding earning assets | 2.0174% | 866 |
| Net interest margin | 3.8940% | 3,474 |
| Noninterest income to average assets | 0.2467% | 6,147 |
| Noninterest expense to average assets | 5.6524% | 253 |
| Loan and lease loss provision to assets | 0.0457% | 6,515 |
| Net operating income to assets | -1.1891% | 7,023 |
| Return on assets (ROA) | -1.1424% | 7,024 |
| Pretax return on assets | -1.8415% | 7,186 |
| Return on Equity (ROE) | -11.2250% | 7,011 |
| Retained earnings to average equity (ytd only) | -11.2250% | 6,965 |
| Net charge-offs to loans | -0.2232% | 7,657 |
| Credit loss provision to net charge-offs | -32.2581% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.3961% | 210 |
| Assets per employee ($millions) | 2.9703% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,702 |
| Loan loss allowance to noncurrent loans | 42.3570% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 4.0424% | 1,702 |
| Noncurrent loans to loans | 4.2631% | 1,745 |
| Net loans and leases to total assets | 64.8615% | 4,071 |
| Net loans and leases to deposits | 89.2522% | 1,972 |
| Net loans and leases to core deposits | 180.9230% | 118 |
| Total domestic deposits to total assets | 72.6722% | 7,124 |
| Equity capital to assets | 10.6147% | 3,263 |
| Core capital (leverage) ratio | 8.2255% | 5,902 |
| Tier 1 risk-based capital ratio | 11.9430% | 5,362 |
| Total risk-based capital ratio | 13.2012% | 5,321 |
| Memoranda: | ||
| Average total assets | $43,769,330 | 6,873 |
| Average earning assets | $39,753,330 | 6,853 |
| Average equity | $4,454,330 | 6,952 |
| Average total loans | $27,777,000 | 6,649 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0345% | 913 |
| Cost of funding earning assets | 2.0896% | 840 |
| Net interest margin | 3.9449% | 3,128 |
| Noninterest income to average assets | 0.2675% | 6,014 |
| Noninterest expense to average assets | 5.1536% | 328 |
| Loan and lease loss provision to assets | 0.0892% | 5,747 |
| Net operating income to assets | -0.8453% | 7,030 |
| Return on assets (ROA) | -0.7311% | 6,996 |
| Pretax return on assets | -1.1948% | 7,143 |
| Return on Equity (ROE) | -7.3304% | 7,020 |
| Retained earnings to average equity (ytd only) | -7.3304% | 6,772 |
| Net charge-offs to loans | 0.0716% | 4,703 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | -28.8000% | 5,585 |
| Efficiency ratio | 133.1797% | 305 |
| Assets per employee ($millions) | 3.5919% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 3,155 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 4.1157% | 1,663 |
| Noncurrent loans to loans | 4.6060% | 1,614 |
| Net loans and leases to total assets | 62.6499% | 4,628 |
| Net loans and leases to deposits | 87.4964% | 2,314 |
| Net loans and leases to core deposits | 189.9015% | 111 |
| Total domestic deposits to total assets | 71.6029% | 7,301 |
| Equity capital to assets | 10.4726% | 3,273 |
| Core capital (leverage) ratio | 8.0678% | 6,136 |
| Tier 1 risk-based capital ratio | 12.4762% | 4,778 |
| Total risk-based capital ratio | 13.7319% | 4,719 |
| Memoranda: | ||
| Average total assets | $44,862,000 | 6,920 |
| Average earning assets | $40,964,500 | 6,899 |
| Average equity | $4,474,500 | 7,012 |
| Average total loans | $27,931,500 | 6,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 2,640 |
| Cost of funding earning assets | 2.3868% | 1,344 |
| Net interest margin | 3.4162% | 5,307 |
| Noninterest income to average assets | 1.0544% | 1,393 |
| Noninterest expense to average assets | 4.4923% | 802 |
| Loan and lease loss provision to assets | 0.0848% | 6,761 |
| Net operating income to assets | -0.2681% | 5,924 |
| Return on assets (ROA) | 0.2787% | 4,707 |
| Pretax return on assets | 0.4888% | 4,213 |
| Return on Equity (ROE) | 3.0645% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.0645% | 3,014 |
| Net charge-offs to loans | 0.2418% | 5,112 |
| Credit loss provision to net charge-offs | 70.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | -2.3167% | 7,024 |
| Efficiency ratio | 106.6667% | 890 |
| Assets per employee ($millions) | 3.8851% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,263 |
| Loan loss allowance to noncurrent loans | 25.9386% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 3.7708% | 1,767 |
| Noncurrent loans to loans | 6.1904% | 1,006 |
| Net loans and leases to total assets | 59.9365% | 5,348 |
| Net loans and leases to deposits | 82.3840% | 3,566 |
| Net loans and leases to core deposits | 140.0933% | 814 |
| Total domestic deposits to total assets | 72.7526% | 7,179 |
| Equity capital to assets | 9.5129% | 4,397 |
| Core capital (leverage) ratio | 8.1583% | 5,891 |
| Tier 1 risk-based capital ratio | 11.9685% | 4,970 |
| Total risk-based capital ratio | 13.2224% | 4,920 |
| Memoranda: | ||
| Average total assets | $49,506,800 | 6,732 |
| Average earning assets | $45,752,400 | 6,690 |
| Average equity | $4,503,200 | 7,113 |
| Average total loans | $24,810,600 | 6,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 2,700 |
| Cost of funding earning assets | 2.4640% | 1,402 |
| Net interest margin | 3.3772% | 5,357 |
| Noninterest income to average assets | 0.1858% | 6,888 |
| Noninterest expense to average assets | 4.4993% | 745 |
| Loan and lease loss provision to assets | 0.0929% | 6,437 |
| Net operating income to assets | -0.9761% | 6,812 |
| Return on assets (ROA) | -0.1248% | 5,957 |
| Pretax return on assets | -0.1646% | 5,927 |
| Return on Equity (ROE) | -1.3864% | 6,001 |
| Retained earnings to average equity (ytd only) | -1.3864% | 5,581 |
| Net charge-offs to loans | 0.1227% | 5,471 |
| Credit loss provision to net charge-offs | 159.0909% | 2,988 |
| Earnings coverage of net charge-offs (x) | -20.4108% | 6,938 |
| Efficiency ratio | 136.0353% | 411 |
| Assets per employee ($millions) | 3.2457% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,322 |
| Loan loss allowance to noncurrent loans | 40.3814% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6540% | 2,622 |
| Noncurrent loans to loans | 4.4215% | 1,590 |
| Net loans and leases to total assets | 58.9547% | 5,743 |
| Net loans and leases to deposits | 84.7619% | 3,527 |
| Net loans and leases to core deposits | 136.6228% | 1,071 |
| Total domestic deposits to total assets | 69.5533% | 7,450 |
| Equity capital to assets | 9.6457% | 4,561 |
| Core capital (leverage) ratio | 8.1979% | 6,019 |
| Tier 1 risk-based capital ratio | 11.9269% | 5,038 |
| Total risk-based capital ratio | 13.1802% | 4,971 |
| Memoranda: | ||
| Average total assets | $50,228,250 | 6,749 |
| Average earning assets | $46,427,500 | 6,717 |
| Average equity | $4,520,250 | 7,173 |
| Average total loans | $23,913,500 | 7,038 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 2,596 |
| Cost of funding earning assets | 2.5724% | 1,369 |
| Net interest margin | 3.3245% | 5,456 |
| Noninterest income to average assets | 0.1737% | 7,052 |
| Noninterest expense to average assets | 4.5616% | 732 |
| Loan and lease loss provision to assets | 0.1351% | 5,726 |
| Net operating income to assets | -0.9579% | 6,944 |
| Return on assets (ROA) | 0.0425% | 5,815 |
| Pretax return on assets | 0.1274% | 5,608 |
| Return on Equity (ROE) | 0.4818% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.4818% | 5,015 |
| Net charge-offs to loans | 0.1492% | 4,700 |
| Credit loss provision to net charge-offs | 205.8824% | 2,215 |
| Earnings coverage of net charge-offs (x) | -19.8235% | 6,565 |
| Efficiency ratio | 139.8817% | 432 |
| Assets per employee ($millions) | 3.0475% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 1,721 |
| Loan loss allowance to noncurrent loans | 30.7885% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 3.4958% | 1,780 |
| Noncurrent loans to loans | 6.2657% | 864 |
| Net loans and leases to total assets | 54.7165% | 6,361 |
| Net loans and leases to deposits | 78.9122% | 4,716 |
| Net loans and leases to core deposits | 106.6974% | 3,753 |
| Total domestic deposits to total assets | 69.3385% | 7,525 |
| Equity capital to assets | 9.5620% | 4,536 |
| Core capital (leverage) ratio | 7.0180% | 7,523 |
| Tier 1 risk-based capital ratio | 12.3666% | 4,626 |
| Total risk-based capital ratio | 13.6216% | 4,549 |
| Memoranda: | ||
| Average total assets | $51,824,330 | 6,754 |
| Average earning assets | $48,127,000 | 6,705 |
| Average equity | $4,566,000 | 7,218 |
| Average total loans | $22,792,670 | 7,155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 3,998 |
| Cost of funding earning assets | 2.3920% | 2,326 |
| Net interest margin | 3.2675% | 5,627 |
| Noninterest income to average assets | 0.1385% | 7,310 |
| Noninterest expense to average assets | 3.8265% | 1,422 |
| Loan and lease loss provision to assets | 0.2551% | 3,925 |
| Net operating income to assets | -0.6008% | 6,968 |
| Return on assets (ROA) | 0.0292% | 6,342 |
| Pretax return on assets | 0.0437% | 6,289 |
| Return on Equity (ROE) | 0.3431% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.3431% | 5,523 |
| Net charge-offs to loans | 0.1306% | 3,916 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | -12.5714% | 5,632 |
| Efficiency ratio | 120.1373% | 631 |
| Assets per employee ($millions) | 3.8818% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2865% | 962 |
| Loan loss allowance to noncurrent loans | 76.9585% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 4,273 |
| Noncurrent loans to loans | 2.9711% | 2,199 |
| Net loans and leases to total assets | 39.3964% | 7,597 |
| Net loans and leases to deposits | 62.2782% | 6,711 |
| Net loans and leases to core deposits | 87.9947% | 5,738 |
| Total domestic deposits to total assets | 63.2588% | 7,874 |
| Equity capital to assets | 8.6098% | 5,900 |
| Core capital (leverage) ratio | 7.0314% | 7,613 |
| Tier 1 risk-based capital ratio | 12.2234% | 4,771 |
| Total risk-based capital ratio | 13.4777% | 4,676 |
| Memoranda: | ||
| Average total assets | $54,880,500 | 6,674 |
| Average earning assets | $51,170,500 | 6,613 |
| Average equity | $4,663,500 | 7,235 |
| Average total loans | $21,437,000 | 7,280 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 6,137 |
| Cost of funding earning assets | 2.8723% | 2,381 |
| Net interest margin | 3.0073% | 6,889 |
| Noninterest income to average assets | 0.2259% | 6,824 |
| Noninterest expense to average assets | 4.8693% | 676 |
| Loan and lease loss provision to assets | 0.0847% | 6,327 |
| Net operating income to assets | -1.1862% | 7,337 |
| Return on assets (ROA) | -1.1485% | 7,260 |
| Pretax return on assets | -1.8922% | 7,405 |
| Return on Equity (ROE) | -10.3684% | 7,304 |
| Retained earnings to average equity (ytd only) | -10.3684% | 7,101 |
| Net charge-offs to loans | -0.0316% | 7,976 |
| Credit loss provision to net charge-offs | -600.0000% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.1473% | 308 |
| Assets per employee ($millions) | 3.9583% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2611% | 893 |
| Loan loss allowance to noncurrent loans | 93.4911% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 4,556 |
| Noncurrent loans to loans | 2.4185% | 2,266 |
| Net loans and leases to total assets | 36.9731% | 7,798 |
| Net loans and leases to deposits | 59.3815% | 7,131 |
| Net loans and leases to core deposits | 79.8138% | 6,631 |
| Total domestic deposits to total assets | 62.2636% | 7,871 |
| Equity capital to assets | 8.3875% | 6,278 |
| Core capital (leverage) ratio | 7.2729% | 7,447 |
| Tier 1 risk-based capital ratio | 12.7560% | 4,255 |
| Total risk-based capital ratio | 14.0114% | 4,173 |
| Memoranda: | ||
| Average total assets | $42,490,400 | 7,104 |
| Average earning assets | $39,237,400 | 7,070 |
| Average equity | $4,706,600 | 7,251 |
| Average total loans | $19,016,600 | 7,399 |