Home > The First National Bank of Amherst > Performance and Condition Ratios
The First National Bank of Amherst, Performance and Condition Ratios
| 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 | 2.4190% | 6,501 |
| Cost of funding earning assets | 0.2940% | 5,024 |
| Net interest margin | 2.1250% | 6,484 |
| Noninterest income to average assets | 0.2264% | 5,588 |
| Noninterest expense to average assets | 3.5550% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.9850% | 6,525 |
| Return on assets (ROA) | -0.9850% | 6,523 |
| Pretax return on assets | -1.5284% | 6,561 |
| Return on Equity (ROE) | -5.5203% | 6,443 |
| Retained earnings to average equity (ytd only) | -5.5203% | 6,268 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.4190% | 34 |
| Assets per employee ($millions) | 2.1539% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3924% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 9.7557% | 6,601 |
| Net loans and leases to deposits | 11.9568% | 6,602 |
| Net loans and leases to core deposits | 12.5710% | 6,591 |
| Total domestic deposits to total assets | 81.5913% | 4,787 |
| Equity capital to assets | 18.3274% | 309 |
| Core capital (leverage) ratio | 16.5866% | 401 |
| Tier 1 risk-based capital ratio | 84.2579% | 54 |
| Total risk-based capital ratio | 85.5649% | 54 |
| Memoranda: | ||
| Average total assets | $17,665,330 | 6,583 |
| Average earning assets | $14,964,670 | 6,580 |
| Average equity | $3,152,000 | 6,356 |
| Average total loans | $1,752,670 | 6,613 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4223% | 6,568 |
| Cost of funding earning assets | 0.2928% | 5,147 |
| Net interest margin | 2.1295% | 6,553 |
| Noninterest income to average assets | 0.2684% | 5,220 |
| Noninterest expense to average assets | 3.7131% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.0737% | 6,581 |
| Return on assets (ROA) | -1.0737% | 6,577 |
| Pretax return on assets | -1.6552% | 6,625 |
| Return on Equity (ROE) | -6.0972% | 6,495 |
| Retained earnings to average equity (ytd only) | -6.0972% | 6,190 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.4348% | 36 |
| Assets per employee ($millions) | 2.2123% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9355% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 7.8879% | 6,677 |
| Net loans and leases to deposits | 9.6051% | 6,678 |
| Net loans and leases to core deposits | 10.0816% | 6,667 |
| Total domestic deposits to total assets | 82.1223% | 4,903 |
| Equity capital to assets | 17.8099% | 334 |
| Core capital (leverage) ratio | 15.9330% | 489 |
| Tier 1 risk-based capital ratio | 96.3291% | 51 |
| Total risk-based capital ratio | 97.6401% | 50 |
| Memoranda: | ||
| Average total assets | $17,882,500 | 6,653 |
| Average earning assets | $15,027,000 | 6,654 |
| Average equity | $3,149,000 | 6,415 |
| Average total loans | $1,711,500 | 6,684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 6,284 |
| Cost of funding earning assets | 0.3208% | 5,416 |
| Net interest margin | 2.7334% | 6,097 |
| Noninterest income to average assets | 1.0364% | 1,303 |
| Noninterest expense to average assets | 3.3310% | 2,049 |
| Loan and lease loss provision to assets | -0.1386% | 6,531 |
| Net operating income to assets | 0.0112% | 6,193 |
| Return on assets (ROA) | -1.6240% | 6,680 |
| Pretax return on assets | -1.6350% | 6,675 |
| Return on Equity (ROE) | -8.6141% | 6,566 |
| Retained earnings to average equity (ytd only) | -8.6141% | 6,509 |
| Net charge-offs to loans | 0.0950% | 3,896 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,254 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 5,429 |
| Efficiency ratio | 103.7997% | 375 |
| Assets per employee ($millions) | 2.2584% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2221% | 19 |
| Loan loss allowance to noncurrent loans | 496.7742% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 5,801 |
| Noncurrent loans to loans | 1.6551% | 2,427 |
| Net loans and leases to total assets | 9.5146% | 6,753 |
| Net loans and leases to deposits | 11.5385% | 6,752 |
| Net loans and leases to core deposits | 12.0920% | 6,744 |
| Total domestic deposits to total assets | 82.4597% | 4,722 |
| Equity capital to assets | 17.4130% | 367 |
| Core capital (leverage) ratio | 16.5640% | 411 |
| Tier 1 risk-based capital ratio | 77.3516% | 64 |
| Total risk-based capital ratio | 78.6473% | 64 |
| Memoranda: | ||
| Average total assets | $18,042,400 | 6,727 |
| Average earning assets | $14,341,200 | 6,745 |
| Average equity | $3,401,400 | 6,452 |
| Average total loans | $2,106,200 | 6,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 6,285 |
| Cost of funding earning assets | 0.3242% | 5,512 |
| Net interest margin | 2.8060% | 6,008 |
| Noninterest income to average assets | 1.3306% | 836 |
| Noninterest expense to average assets | 3.2896% | 2,101 |
| Loan and lease loss provision to assets | -0.1848% | 6,710 |
| Net operating income to assets | 0.3253% | 5,512 |
| Return on assets (ROA) | -1.8777% | 6,801 |
| Pretax return on assets | -1.7372% | 6,779 |
| Return on Equity (ROE) | -9.7730% | 6,687 |
| Retained earnings to average equity (ytd only) | -9.7730% | 6,632 |
| Net charge-offs to loans | 0.3082% | 1,996 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | 7.5967% | 2,775 |
| Efficiency ratio | 92.1325% | 845 |
| Assets per employee ($millions) | 2.1230% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3686% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 13.0711% | 6,815 |
| Net loans and leases to deposits | 16.1808% | 6,812 |
| Net loans and leases to core deposits | 17.0272% | 6,808 |
| Total domestic deposits to total assets | 80.7819% | 5,276 |
| Equity capital to assets | 19.1415% | 246 |
| Core capital (leverage) ratio | 18.2297% | 288 |
| Tier 1 risk-based capital ratio | 70.8305% | 73 |
| Total risk-based capital ratio | 72.1187% | 72 |
| Memoranda: | ||
| Average total assets | $18,036,250 | 6,804 |
| Average earning assets | $14,397,500 | 6,823 |
| Average equity | $3,465,250 | 6,514 |
| Average total loans | $2,164,500 | 6,846 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 6,431 |
| Cost of funding earning assets | 0.3083% | 5,762 |
| Net interest margin | 2.7079% | 6,169 |
| Noninterest income to average assets | 1.8274% | 507 |
| Noninterest expense to average assets | 3.1979% | 2,360 |
| Loan and lease loss provision to assets | -0.2719% | 6,820 |
| Net operating income to assets | 0.7505% | 3,563 |
| Return on assets (ROA) | -1.4032% | 6,805 |
| Pretax return on assets | -1.0551% | 6,746 |
| Return on Equity (ROE) | -7.2950% | 6,699 |
| Retained earnings to average equity (ytd only) | -7.2950% | 6,586 |
| Net charge-offs to loans | 0.4772% | 1,385 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,760 |
| Efficiency ratio | 79.4595% | 2,229 |
| Assets per employee ($millions) | 2.1486% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2283% | 22 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 11.2747% | 6,871 |
| Net loans and leases to deposits | 14.0700% | 6,874 |
| Net loans and leases to core deposits | 14.8029% | 6,866 |
| Total domestic deposits to total assets | 80.1326% | 5,576 |
| Equity capital to assets | 19.7743% | 216 |
| Core capital (leverage) ratio | 16.9521% | 373 |
| Tier 1 risk-based capital ratio | 71.8113% | 67 |
| Total risk-based capital ratio | 73.1152% | 66 |
| Memoranda: | ||
| Average total assets | $18,387,000 | 6,849 |
| Average earning assets | $14,919,330 | 6,867 |
| Average equity | $3,536,670 | 6,555 |
| Average total loans | $2,095,670 | 6,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 6,128 |
| Cost of funding earning assets | 0.3133% | 5,862 |
| Net interest margin | 3.0020% | 5,567 |
| Noninterest income to average assets | 3.3709% | 216 |
| Noninterest expense to average assets | 3.2234% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7065% | 577 |
| Return on assets (ROA) | 1.7065% | 638 |
| Pretax return on assets | 2.5703% | 242 |
| Return on Equity (ROE) | 8.9863% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.9863% | 1,388 |
| Net charge-offs to loans | 0.3811% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 586 |
| Efficiency ratio | 55.6364% | 6,098 |
| Assets per employee ($millions) | 2.3409% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2411% | 19 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 9.3875% | 6,957 |
| Net loans and leases to deposits | 11.6702% | 6,959 |
| Net loans and leases to core deposits | 12.4469% | 6,948 |
| Total domestic deposits to total assets | 80.4400% | 5,656 |
| Equity capital to assets | 19.3998% | 243 |
| Core capital (leverage) ratio | 16.6196% | 392 |
| Tier 1 risk-based capital ratio | 81.4549% | 59 |
| Total risk-based capital ratio | 82.7613% | 58 |
| Memoranda: | ||
| Average total assets | $18,986,000 | 6,916 |
| Average earning assets | $15,323,000 | 6,928 |
| Average equity | $3,605,500 | 6,610 |
| Average total loans | $2,099,000 | 6,971 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7840% | 6,856 |
| Cost of funding earning assets | 0.3472% | 6,233 |
| Net interest margin | 2.4368% | 6,751 |
| Noninterest income to average assets | 0.1500% | 6,291 |
| Noninterest expense to average assets | 2.9995% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.5585% | 6,597 |
| Return on assets (ROA) | -0.5585% | 6,631 |
| Pretax return on assets | -0.8533% | 6,689 |
| Return on Equity (ROE) | -2.9938% | 6,498 |
| Retained earnings to average equity (ytd only) | -2.9938% | 6,263 |
| Net charge-offs to loans | -0.2421% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7590% | 119 |
| Assets per employee ($millions) | 2.4056% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0053% | 29 |
| Loan loss allowance to noncurrent loans | 6,033.3333% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,639 |
| Noncurrent loans to loans | 0.1327% | 6,152 |
| Net loans and leases to total assets | 10.8080% | 7,008 |
| Net loans and leases to deposits | 13.2967% | 7,010 |
| Net loans and leases to core deposits | 13.7448% | 7,001 |
| Total domestic deposits to total assets | 81.2835% | 5,314 |
| Equity capital to assets | 18.5918% | 286 |
| Core capital (leverage) ratio | 16.8033% | 373 |
| Tier 1 risk-based capital ratio | 71.1428% | 74 |
| Total risk-based capital ratio | 72.4534% | 73 |
| Memoranda: | ||
| Average total assets | $19,336,400 | 6,965 |
| Average earning assets | $15,840,600 | 6,982 |
| Average equity | $3,607,400 | 6,665 |
| Average total loans | $2,478,600 | 7,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 6,966 |
| Cost of funding earning assets | 0.3678% | 6,288 |
| Net interest margin | 2.4490% | 6,862 |
| Noninterest income to average assets | 0.1584% | 6,353 |
| Noninterest expense to average assets | 3.0992% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.5923% | 6,739 |
| Return on assets (ROA) | -0.5923% | 6,761 |
| Pretax return on assets | -0.9229% | 6,843 |
| Return on Equity (ROE) | -3.1720% | 6,631 |
| Retained earnings to average equity (ytd only) | -3.1720% | 6,491 |
| Net charge-offs to loans | -0.3158% | 7,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.4051% | 110 |
| Assets per employee ($millions) | 2.2721% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6179% | 50 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 14.0507% | 7,087 |
| Net loans and leases to deposits | 17.5895% | 7,092 |
| Net loans and leases to core deposits | 18.7780% | 7,084 |
| Total domestic deposits to total assets | 79.8812% | 5,687 |
| Equity capital to assets | 19.9648% | 241 |
| Core capital (leverage) ratio | 17.4481% | 338 |
| Tier 1 risk-based capital ratio | 66.2373% | 82 |
| Total risk-based capital ratio | 67.5253% | 82 |
| Memoranda: | ||
| Average total assets | $19,359,250 | 7,060 |
| Average earning assets | $15,951,500 | 7,070 |
| Average equity | $3,614,750 | 6,741 |
| Average total loans | $2,533,000 | 7,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7231% | 7,070 |
| Cost of funding earning assets | 0.3663% | 6,439 |
| Net interest margin | 2.3567% | 6,982 |
| Noninterest income to average assets | 0.1620% | 6,369 |
| Noninterest expense to average assets | 3.1286% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6480% | 6,799 |
| Return on assets (ROA) | -0.6480% | 6,829 |
| Pretax return on assets | -1.0125% | 6,899 |
| Return on Equity (ROE) | -3.5457% | 6,704 |
| Retained earnings to average equity (ytd only) | -3.5457% | 6,516 |
| Net charge-offs to loans | -0.4867% | 7,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.8469% | 109 |
| Assets per employee ($millions) | 2.3820% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6963% | 56 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 13.2347% | 7,161 |
| Net loans and leases to deposits | 16.3681% | 7,161 |
| Net loans and leases to core deposits | 17.9655% | 7,152 |
| Total domestic deposits to total assets | 80.8564% | 5,518 |
| Equity capital to assets | 18.9966% | 277 |
| Core capital (leverage) ratio | 16.3194% | 432 |
| Tier 1 risk-based capital ratio | 68.9965% | 74 |
| Total risk-based capital ratio | 70.2892% | 73 |
| Memoranda: | ||
| Average total assets | $19,753,330 | 7,109 |
| Average earning assets | $16,378,670 | 7,122 |
| Average equity | $3,610,000 | 6,779 |
| Average total loans | $2,465,670 | 7,199 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7995% | 7,109 |
| Cost of funding earning assets | 0.3964% | 6,425 |
| Net interest margin | 2.4031% | 7,011 |
| Noninterest income to average assets | 0.1791% | 6,310 |
| Noninterest expense to average assets | 3.4623% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.8357% | 6,964 |
| Return on assets (ROA) | -0.8357% | 6,979 |
| Pretax return on assets | -1.3531% | 7,057 |
| Return on Equity (ROE) | -4.6602% | 6,838 |
| Retained earnings to average equity (ytd only) | -4.6602% | 6,556 |
| Net charge-offs to loans | -1.0226% | 7,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.1509% | 74 |
| Assets per employee ($millions) | 2.4670% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0660% | 31 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 10.4530% | 7,235 |
| Net loans and leases to deposits | 12.7756% | 7,240 |
| Net loans and leases to core deposits | 13.9599% | 7,230 |
| Total domestic deposits to total assets | 81.8200% | 5,357 |
| Equity capital to assets | 18.1040% | 331 |
| Core capital (leverage) ratio | 15.9392% | 470 |
| Tier 1 risk-based capital ratio | 76.6310% | 58 |
| Total risk-based capital ratio | 77.9455% | 58 |
| Memoranda: | ||
| Average total assets | $20,102,000 | 7,168 |
| Average earning assets | $16,145,500 | 7,187 |
| Average equity | $3,605,000 | 6,818 |
| Average total loans | $2,347,000 | 7,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 6,141 |
| Cost of funding earning assets | 0.6494% | 5,831 |
| Net interest margin | 3.5201% | 5,071 |
| Noninterest income to average assets | 0.1830% | 6,185 |
| Noninterest expense to average assets | 2.8669% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1830% | 6,240 |
| Return on assets (ROA) | -0.1830% | 6,314 |
| Pretax return on assets | -0.2592% | 6,330 |
| Return on Equity (ROE) | -1.0059% | 6,245 |
| Retained earnings to average equity (ytd only) | -1.0059% | 6,007 |
| Net charge-offs to loans | 0.1475% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -12.7500% | 6,403 |
| Efficiency ratio | 109.9415% | 439 |
| Assets per employee ($millions) | 2.5585% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1429% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 11.1149% | 7,285 |
| Net loans and leases to deposits | 13.5578% | 7,285 |
| Net loans and leases to core deposits | 15.1414% | 7,275 |
| Total domestic deposits to total assets | 81.9816% | 5,132 |
| Equity capital to assets | 17.7692% | 361 |
| Core capital (leverage) ratio | 16.1222% | 448 |
| Tier 1 risk-based capital ratio | 70.0284% | 68 |
| Total risk-based capital ratio | 71.3163% | 67 |
| Memoranda: | ||
| Average total assets | $19,672,600 | 7,210 |
| Average earning assets | $13,550,800 | 7,273 |
| Average equity | $3,578,800 | 6,860 |
| Average total loans | $2,711,200 | 7,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 6,140 |
| Cost of funding earning assets | 0.7288% | 5,604 |
| Net interest margin | 3.5007% | 5,185 |
| Noninterest income to average assets | 0.2054% | 6,136 |
| Noninterest expense to average assets | 2.8277% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2191% | 6,402 |
| Return on assets (ROA) | -0.2191% | 6,480 |
| Pretax return on assets | -0.2876% | 6,483 |
| Return on Equity (ROE) | -1.1972% | 6,398 |
| Retained earnings to average equity (ytd only) | -1.1972% | 6,183 |
| Net charge-offs to loans | 0.2881% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 6,119 |
| Efficiency ratio | 111.3208% | 406 |
| Assets per employee ($millions) | 2.3901% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0363% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 14.0840% | 7,344 |
| Net loans and leases to deposits | 17.5166% | 7,348 |
| Net loans and leases to core deposits | 19.7724% | 7,331 |
| Total domestic deposits to total assets | 80.4037% | 5,620 |
| Equity capital to assets | 19.2511% | 299 |
| Core capital (leverage) ratio | 17.1705% | 384 |
| Tier 1 risk-based capital ratio | 67.0318% | 88 |
| Total risk-based capital ratio | 68.3340% | 86 |
| Memoranda: | ||
| Average total assets | $19,473,750 | 7,287 |
| Average earning assets | $12,987,750 | 7,356 |
| Average equity | $3,564,250 | 6,919 |
| Average total loans | $2,776,500 | 7,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 4,926 |
| Cost of funding earning assets | 0.8852% | 4,791 |
| Net interest margin | 3.7245% | 4,154 |
| Noninterest income to average assets | 0.1735% | 6,421 |
| Noninterest expense to average assets | 2.7563% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2246% | 6,494 |
| Return on assets (ROA) | -0.2246% | 6,532 |
| Pretax return on assets | -0.3063% | 6,535 |
| Return on Equity (ROE) | -1.2481% | 6,436 |
| Retained earnings to average equity (ytd only) | -1.2481% | 6,102 |
| Net charge-offs to loans | -0.1456% | 7,249 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 433 |
| Assets per employee ($millions) | 2.6603% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5367% | 71 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 13.8975% | 7,421 |
| Net loans and leases to deposits | 17.2476% | 7,424 |
| Net loans and leases to core deposits | 18.9555% | 7,410 |
| Total domestic deposits to total assets | 80.5767% | 5,658 |
| Equity capital to assets | 19.2783% | 302 |
| Core capital (leverage) ratio | 16.7539% | 426 |
| Tier 1 risk-based capital ratio | 70.4907% | 82 |
| Total risk-based capital ratio | 71.7993% | 82 |
| Memoranda: | ||
| Average total assets | $19,591,330 | 7,360 |
| Average earning assets | $11,974,670 | 7,446 |
| Average equity | $3,525,330 | 6,975 |
| Average total loans | $2,746,670 | 7,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 3,553 |
| Cost of funding earning assets | 1.1245% | 3,336 |
| Net interest margin | 3.7823% | 3,695 |
| Noninterest income to average assets | 0.1594% | 6,582 |
| Noninterest expense to average assets | 2.6499% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2391% | 6,600 |
| Return on assets (ROA) | -0.2391% | 6,613 |
| Pretax return on assets | -0.2789% | 6,603 |
| Return on Equity (ROE) | -1.3742% | 6,534 |
| Retained earnings to average equity (ytd only) | -1.3742% | 6,058 |
| Net charge-offs to loans | -0.2925% | 7,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7647% | 462 |
| Assets per employee ($millions) | 2.5178% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8017% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 10.6196% | 7,497 |
| Net loans and leases to deposits | 12.8561% | 7,506 |
| Net loans and leases to core deposits | 13.9932% | 7,488 |
| Total domestic deposits to total assets | 82.6035% | 5,064 |
| Equity capital to assets | 17.2624% | 419 |
| Core capital (leverage) ratio | 15.8070% | 537 |
| Tier 1 risk-based capital ratio | 79.6883% | 70 |
| Total risk-based capital ratio | 80.9995% | 69 |
| Memoranda: | ||
| Average total assets | $20,076,000 | 7,403 |
| Average earning assets | $11,739,000 | 7,505 |
| Average equity | $3,493,000 | 7,018 |
| Average total loans | $2,735,500 | 7,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 6,518 |
| Cost of funding earning assets | 1.3789% | 3,398 |
| Net interest margin | 3.0716% | 6,594 |
| Noninterest income to average assets | 0.1408% | 6,686 |
| Noninterest expense to average assets | 3.2276% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.7999% | 6,577 |
| Return on assets (ROA) | -0.7561% | 6,577 |
| Pretax return on assets | -1.0846% | 6,685 |
| Return on Equity (ROE) | -4.0571% | 6,359 |
| Retained earnings to average equity (ytd only) | -4.0571% | 6,205 |
| Net charge-offs to loans | -0.0684% | 7,474 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.1378% | 185 |
| Assets per employee ($millions) | 2.5013% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6807% | 123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 14.8526% | 7,561 |
| Net loans and leases to deposits | 18.0669% | 7,567 |
| Net loans and leases to core deposits | 18.9904% | 7,556 |
| Total domestic deposits to total assets | 82.2089% | 5,122 |
| Equity capital to assets | 17.5362% | 403 |
| Core capital (leverage) ratio | 16.1176% | 493 |
| Tier 1 risk-based capital ratio | 62.8078% | 97 |
| Total risk-based capital ratio | 64.0876% | 95 |
| Memoranda: | ||
| Average total assets | $19,178,400 | 7,483 |
| Average earning assets | $12,110,800 | 7,580 |
| Average equity | $3,574,000 | 7,118 |
| Average total loans | $2,925,200 | 7,596 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 6,832 |
| Cost of funding earning assets | 1.4152% | 3,491 |
| Net interest margin | 2.9728% | 6,886 |
| Noninterest income to average assets | 0.1476% | 6,806 |
| Noninterest expense to average assets | 3.3525% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.9542% | 6,877 |
| Return on assets (ROA) | -0.8926% | 6,880 |
| Pretax return on assets | -1.2159% | 6,943 |
| Return on Equity (ROE) | -4.7164% | 6,628 |
| Retained earnings to average equity (ytd only) | -4.7164% | 6,533 |
| Net charge-offs to loans | -0.0931% | 7,543 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.3562% | 153 |
| Assets per employee ($millions) | 2.3551% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2385% | 147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 17.1859% | 7,645 |
| Net loans and leases to deposits | 21.4878% | 7,656 |
| Net loans and leases to core deposits | 22.6926% | 7,643 |
| Total domestic deposits to total assets | 79.9798% | 5,715 |
| Equity capital to assets | 19.5531% | 314 |
| Core capital (leverage) ratio | 17.9309% | 355 |
| Tier 1 risk-based capital ratio | 61.9602% | 102 |
| Total risk-based capital ratio | 63.2557% | 101 |
| Memoranda: | ||
| Average total assets | $18,970,500 | 7,582 |
| Average earning assets | $12,154,000 | 7,679 |
| Average equity | $3,590,250 | 7,208 |
| Average total loans | $2,868,750 | 7,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 7,130 |
| Cost of funding earning assets | 1.4354% | 3,637 |
| Net interest margin | 2.8041% | 7,138 |
| Noninterest income to average assets | 0.1683% | 6,699 |
| Noninterest expense to average assets | 3.3029% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.9968% | 6,942 |
| Return on assets (ROA) | -0.9046% | 6,924 |
| Pretax return on assets | -1.2412% | 6,985 |
| Return on Equity (ROE) | -4.8328% | 6,683 |
| Retained earnings to average equity (ytd only) | -4.8328% | 6,535 |
| Net charge-offs to loans | -0.0745% | 7,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.6522% | 152 |
| Assets per employee ($millions) | 2.2803% | 7,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5106% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 14.0116% | 7,735 |
| Net loans and leases to deposits | 17.5477% | 7,743 |
| Net loans and leases to core deposits | 18.5003% | 7,733 |
| Total domestic deposits to total assets | 79.8487% | 5,773 |
| Equity capital to assets | 19.8498% | 291 |
| Core capital (leverage) ratio | 17.6148% | 388 |
| Tier 1 risk-based capital ratio | 74.9102% | 75 |
| Total risk-based capital ratio | 76.2118% | 73 |
| Memoranda: | ||
| Average total assets | $19,013,670 | 7,651 |
| Average earning assets | $11,982,330 | 7,748 |
| Average equity | $3,559,000 | 7,248 |
| Average total loans | $2,686,000 | 7,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 7,281 |
| Cost of funding earning assets | 1.3957% | 4,211 |
| Net interest margin | 2.7914% | 7,189 |
| Noninterest income to average assets | 0.2062% | 6,485 |
| Noninterest expense to average assets | 3.7321% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.3864% | 7,288 |
| Return on assets (ROA) | -1.1959% | 7,234 |
| Pretax return on assets | -1.5464% | 7,271 |
| Return on Equity (ROE) | -6.5760% | 6,960 |
| Retained earnings to average equity (ytd only) | -6.5760% | 6,695 |
| Net charge-offs to loans | -0.1503% | 7,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.5532% | 106 |
| Assets per employee ($millions) | 2.4368% | 7,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4384% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 11.3625% | 7,852 |
| Net loans and leases to deposits | 13.8871% | 7,860 |
| Net loans and leases to core deposits | 14.9662% | 7,844 |
| Total domestic deposits to total assets | 81.8200% | 5,148 |
| Equity capital to assets | 17.9902% | 426 |
| Core capital (leverage) ratio | 16.7813% | 472 |
| Tier 1 risk-based capital ratio | 72.7213% | 75 |
| Total risk-based capital ratio | 74.0234% | 74 |
| Memoranda: | ||
| Average total assets | $19,399,500 | 7,737 |
| Average earning assets | $12,037,000 | 7,849 |
| Average equity | $3,528,000 | 7,335 |
| Average total loans | $2,662,000 | 7,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 7,117 |
| Cost of funding earning assets | 1.2367% | 6,520 |
| Net interest margin | 3.4774% | 5,056 |
| Noninterest income to average assets | 0.1583% | 6,939 |
| Noninterest expense to average assets | 3.1274% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.1640% | 5,784 |
| Return on assets (ROA) | 0.1527% | 5,111 |
| Pretax return on assets | 0.0509% | 5,327 |
| Return on Equity (ROE) | 0.7584% | 5,308 |
| Retained earnings to average equity (ytd only) | 0.7584% | 4,481 |
| Net charge-offs to loans | -0.3930% | 7,937 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2885% | 813 |
| Assets per employee ($millions) | 2.4131% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0730% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 14.2606% | 7,912 |
| Net loans and leases to deposits | 17.5417% | 7,926 |
| Net loans and leases to core deposits | 23.5199% | 7,903 |
| Total domestic deposits to total assets | 81.2950% | 5,236 |
| Equity capital to assets | 18.3838% | 418 |
| Core capital (leverage) ratio | 17.7872% | 421 |
| Tier 1 risk-based capital ratio | 67.4428% | 94 |
| Total risk-based capital ratio | 67.4428% | 95 |
| Memoranda: | ||
| Average total assets | $17,682,400 | 7,836 |
| Average earning assets | $13,746,000 | 7,875 |
| Average equity | $3,560,200 | 7,429 |
| Average total loans | $3,307,800 | 7,936 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 7,237 |
| Cost of funding earning assets | 1.2160% | 6,848 |
| Net interest margin | 3.5149% | 4,807 |
| Noninterest income to average assets | 0.1621% | 7,042 |
| Noninterest expense to average assets | 3.1487% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0926% | 5,879 |
| Return on assets (ROA) | 0.3396% | 4,737 |
| Pretax return on assets | 0.3010% | 5,061 |
| Return on Equity (ROE) | 1.6466% | 5,284 |
| Retained earnings to average equity (ytd only) | 1.6466% | 4,391 |
| Net charge-offs to loans | -0.5094% | 8,024 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3478% | 905 |
| Assets per employee ($millions) | 2.1194% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2647% | 118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 18.7850% | 7,963 |
| Net loans and leases to deposits | 23.9366% | 7,970 |
| Net loans and leases to core deposits | 32.5133% | 7,937 |
| Total domestic deposits to total assets | 78.4783% | 5,955 |
| Equity capital to assets | 21.2150% | 273 |
| Core capital (leverage) ratio | 19.5940% | 341 |
| Tier 1 risk-based capital ratio | 60.0213% | 118 |
| Total risk-based capital ratio | 60.0213% | 121 |
| Memoranda: | ||
| Average total assets | $17,276,750 | 7,925 |
| Average earning assets | $14,035,000 | 7,950 |
| Average equity | $3,563,000 | 7,490 |
| Average total loans | $3,402,000 | 8,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 7,508 |
| Cost of funding earning assets | 1.2228% | 7,041 |
| Net interest margin | 3.3937% | 5,197 |
| Noninterest income to average assets | 0.1726% | 7,056 |
| Noninterest expense to average assets | 3.0373% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0787% | 5,972 |
| Return on assets (ROA) | 0.3336% | 4,862 |
| Pretax return on assets | 0.6213% | 4,267 |
| Return on Equity (ROE) | 1.6330% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.6330% | 4,429 |
| Net charge-offs to loans | -0.9955% | 8,124 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7634% | 1,138 |
| Assets per employee ($millions) | 2.1126% | 7,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6651% | 90 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 17.8333% | 8,056 |
| Net loans and leases to deposits | 22.6514% | 8,062 |
| Net loans and leases to core deposits | 29.6333% | 8,038 |
| Total domestic deposits to total assets | 78.7291% | 5,888 |
| Equity capital to assets | 20.9159% | 334 |
| Core capital (leverage) ratio | 19.2664% | 403 |
| Tier 1 risk-based capital ratio | 60.5015% | 136 |
| Total risk-based capital ratio | 60.5015% | 137 |
| Memoranda: | ||
| Average total assets | $17,384,000 | 8,003 |
| Average earning assets | $14,556,330 | 8,023 |
| Average equity | $3,551,670 | 7,554 |
| Average total loans | $3,415,330 | 8,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 7,741 |
| Cost of funding earning assets | 1.2635% | 7,139 |
| Net interest margin | 3.2114% | 5,826 |
| Noninterest income to average assets | 0.2042% | 6,828 |
| Noninterest expense to average assets | 3.2680% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4085% | 6,790 |
| Return on assets (ROA) | -0.4085% | 6,861 |
| Pretax return on assets | -0.2950% | 6,669 |
| Return on Equity (ROE) | -2.0225% | 6,661 |
| Retained earnings to average equity (ytd only) | -2.0225% | 6,110 |
| Net charge-offs to loans | -1.0211% | 8,160 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9237% | 813 |
| Assets per employee ($millions) | 2.9303% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0674% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 18.4336% | 8,101 |
| Net loans and leases to deposits | 23.2014% | 8,115 |
| Net loans and leases to core deposits | 30.2107% | 8,087 |
| Total domestic deposits to total assets | 79.4506% | 5,560 |
| Equity capital to assets | 20.2366% | 405 |
| Core capital (leverage) ratio | 18.4340% | 508 |
| Tier 1 risk-based capital ratio | 57.3055% | 153 |
| Total risk-based capital ratio | 57.3055% | 155 |
| Memoranda: | ||
| Average total assets | $17,625,500 | 8,044 |
| Average earning assets | $15,196,000 | 8,045 |
| Average equity | $3,560,000 | 7,602 |
| Average total loans | $3,525,500 | 8,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 7,959 |
| Cost of funding earning assets | 1.6005% | 7,450 |
| Net interest margin | 3.1545% | 6,509 |
| Noninterest income to average assets | 0.1707% | 7,199 |
| Noninterest expense to average assets | 2.8229% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0421% | 6,252 |
| Return on assets (ROA) | -0.3358% | 6,635 |
| Pretax return on assets | -0.4212% | 6,566 |
| Return on Equity (ROE) | -1.6718% | 6,460 |
| Retained earnings to average equity (ytd only) | -1.6718% | 5,784 |
| Net charge-offs to loans | -1.9956% | 8,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2178% | 1,056 |
| Assets per employee ($millions) | 2.5241% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5092% | 132 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 7,215 |
| Noncurrent loans to loans | 0.4399% | 6,037 |
| Net loans and leases to total assets | 19.6559% | 8,155 |
| Net loans and leases to deposits | 24.7312% | 8,167 |
| Net loans and leases to core deposits | 31.8361% | 8,142 |
| Total domestic deposits to total assets | 79.4782% | 5,212 |
| Equity capital to assets | 20.1596% | 461 |
| Core capital (leverage) ratio | 19.4161% | 480 |
| Tier 1 risk-based capital ratio | 55.1662% | 176 |
| Total risk-based capital ratio | 55.1662% | 180 |
| Memoranda: | ||
| Average total assets | $17,570,800 | 8,089 |
| Average earning assets | $15,058,000 | 8,104 |
| Average equity | $3,529,200 | 7,672 |
| Average total loans | $3,106,800 | 8,215 |