Home > The First National Bank of Starbuck > Performance and Condition Ratios
The First National Bank of Starbuck, Performance and Condition Ratios
| 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 | 2.1589% | 6,629 |
| Cost of funding earning assets | 0.0939% | 6,578 |
| Net interest margin | 2.0651% | 6,573 |
| Noninterest income to average assets | 1.0453% | 1,026 |
| Noninterest expense to average assets | 62.9129% | 16 |
| Loan and lease loss provision to assets | -0.3291% | 6,626 |
| Net operating income to assets | -58.9252% | 6,729 |
| Return on assets (ROA) | -58.9252% | 6,729 |
| Pretax return on assets | -59.8350% | 6,729 |
| Return on Equity (ROE) | -317.1659% | 6,725 |
| Retained earnings to average equity (ytd only) | -317.1659% | 6,725 |
| Net charge-offs to loans | 0.1573% | 1,775 |
| Credit loss provision to net charge-offs | -850.0000% | 5,299 |
| Earnings coverage of net charge-offs (x) | -1,554.0000% | 3,658 |
| Efficiency ratio | 132.3944% | 111 |
| Assets per employee ($millions) | 3.2533% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 6,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 2,986 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 17.0594% | 6,617 |
| Net loans and leases to deposits | 19.3830% | 6,627 |
| Net loans and leases to core deposits | 19.3830% | 6,622 |
| Total domestic deposits to total assets | 88.0123% | 2,231 |
| Equity capital to assets | 11.8699% | 1,961 |
| Core capital (leverage) ratio | 7.8306% | 6,209 |
| Tier 1 risk-based capital ratio | 41.9355% | 211 |
| Total risk-based capital ratio | 42.4772% | 215 |
| Memoranda: | ||
| Average total assets | $20,663,500 | 6,611 |
| Average earning assets | $17,045,500 | 6,624 |
| Average equity | $3,839,000 | 6,281 |
| Average total loans | $5,085,500 | 6,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 6,262 |
| Cost of funding earning assets | 0.0922% | 6,692 |
| Net interest margin | 2.9915% | 5,596 |
| Noninterest income to average assets | 1.1209% | 1,120 |
| Noninterest expense to average assets | 5.4386% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4708% | 6,481 |
| Return on assets (ROA) | -0.4708% | 6,489 |
| Pretax return on assets | -1.9907% | 6,708 |
| Return on Equity (ROE) | -1.9421% | 6,377 |
| Retained earnings to average equity (ytd only) | -1.9421% | 6,171 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.6970% | 60 |
| Assets per employee ($millions) | 3.1153% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 6,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 3,264 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.0818% | 6,426 |
| Net loans and leases to deposits | 41.9249% | 6,228 |
| Net loans and leases to core deposits | 41.9249% | 6,308 |
| Total domestic deposits to total assets | 74.1367% | 6,270 |
| Equity capital to assets | 24.5838% | 100 |
| Core capital (leverage) ratio | 9.4465% | 4,346 |
| Tier 1 risk-based capital ratio | 29.6918% | 514 |
| Total risk-based capital ratio | 30.3938% | 536 |
| Memoranda: | ||
| Average total assets | $22,303,400 | 6,672 |
| Average earning assets | $17,349,200 | 6,698 |
| Average equity | $5,406,600 | 5,960 |
| Average total loans | $8,042,600 | 6,648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1813% | 6,222 |
| Cost of funding earning assets | 0.0992% | 6,766 |
| Net interest margin | 3.0821% | 5,371 |
| Noninterest income to average assets | 1.0820% | 1,252 |
| Noninterest expense to average assets | 4.2982% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4756% | 6,587 |
| Return on assets (ROA) | -0.4756% | 6,601 |
| Pretax return on assets | -0.8144% | 6,664 |
| Return on Equity (ROE) | -1.9686% | 6,483 |
| Retained earnings to average equity (ytd only) | -1.9686% | 6,263 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3549% | 158 |
| Assets per employee ($millions) | 3.1601% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 6,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 3,307 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 32.5257% | 6,428 |
| Net loans and leases to deposits | 43.1381% | 6,256 |
| Net loans and leases to core deposits | 43.1381% | 6,342 |
| Total domestic deposits to total assets | 75.3989% | 6,238 |
| Equity capital to assets | 24.3479% | 101 |
| Core capital (leverage) ratio | 10.7437% | 2,732 |
| Tier 1 risk-based capital ratio | 33.4611% | 387 |
| Total risk-based capital ratio | 34.1443% | 397 |
| Memoranda: | ||
| Average total assets | $22,427,500 | 6,745 |
| Average earning assets | $17,477,000 | 6,769 |
| Average equity | $5,418,000 | 6,030 |
| Average total loans | $8,348,500 | 6,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 6,057 |
| Cost of funding earning assets | 0.1027% | 6,818 |
| Net interest margin | 3.2178% | 4,878 |
| Noninterest income to average assets | 0.8433% | 2,018 |
| Noninterest expense to average assets | 4.3587% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6036% | 6,665 |
| Return on assets (ROA) | -0.6036% | 6,679 |
| Pretax return on assets | -1.0120% | 6,739 |
| Return on Equity (ROE) | -2.5052% | 6,552 |
| Retained earnings to average equity (ytd only) | -2.5052% | 6,252 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.1777% | 134 |
| Assets per employee ($millions) | 3.1357% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5172% | 6,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 3,384 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 35.9317% | 6,305 |
| Net loans and leases to deposits | 47.7682% | 5,995 |
| Net loans and leases to core deposits | 47.7682% | 6,143 |
| Total domestic deposits to total assets | 75.2210% | 6,339 |
| Equity capital to assets | 24.5877% | 93 |
| Core capital (leverage) ratio | 10.8596% | 2,495 |
| Tier 1 risk-based capital ratio | 32.2470% | 431 |
| Total risk-based capital ratio | 32.8863% | 444 |
| Memoranda: | ||
| Average total assets | $22,529,670 | 6,790 |
| Average earning assets | $17,527,670 | 6,815 |
| Average equity | $5,428,670 | 6,067 |
| Average total loans | $8,719,330 | 6,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 5,753 |
| Cost of funding earning assets | 0.1116% | 6,888 |
| Net interest margin | 3.3693% | 4,238 |
| Noninterest income to average assets | 0.8414% | 1,957 |
| Noninterest expense to average assets | 4.4173% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7187% | 6,741 |
| Return on assets (ROA) | -0.7187% | 6,756 |
| Pretax return on assets | -0.9290% | 6,788 |
| Return on Equity (ROE) | -3.0122% | 6,614 |
| Retained earnings to average equity (ytd only) | -3.0122% | 6,193 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6281% | 177 |
| Assets per employee ($millions) | 3.3319% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4796% | 6,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 3,461 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.4790% | 6,262 |
| Net loans and leases to deposits | 47.6345% | 5,945 |
| Net loans and leases to core deposits | 47.6345% | 6,113 |
| Total domestic deposits to total assets | 76.5811% | 6,297 |
| Equity capital to assets | 23.2560% | 119 |
| Core capital (leverage) ratio | 10.6776% | 2,567 |
| Tier 1 risk-based capital ratio | 30.9062% | 491 |
| Total risk-based capital ratio | 31.5045% | 514 |
| Memoranda: | ||
| Average total assets | $22,819,500 | 6,859 |
| Average earning assets | $17,926,500 | 6,883 |
| Average equity | $5,444,500 | 6,121 |
| Average total loans | $9,115,000 | 6,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 5,125 |
| Cost of funding earning assets | 0.1164% | 6,977 |
| Net interest margin | 3.9385% | 2,657 |
| Noninterest income to average assets | 1.1909% | 1,104 |
| Noninterest expense to average assets | 4.0664% | 906 |
| Loan and lease loss provision to assets | 0.0498% | 5,194 |
| Net operating income to assets | 1.1321% | 1,835 |
| Return on assets (ROA) | 1.1366% | 1,988 |
| Pretax return on assets | 0.1449% | 6,078 |
| Return on Equity (ROE) | 4.7516% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.7516% | 2,881 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6809% | 769 |
| Assets per employee ($millions) | 3.1880% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4235% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3174% | 3,445 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 43.1977% | 5,887 |
| Net loans and leases to deposits | 57.5488% | 5,291 |
| Net loans and leases to core deposits | 57.5488% | 5,589 |
| Total domestic deposits to total assets | 75.0627% | 6,439 |
| Equity capital to assets | 24.4892% | 104 |
| Core capital (leverage) ratio | 11.6846% | 1,744 |
| Tier 1 risk-based capital ratio | 28.1000% | 623 |
| Total risk-based capital ratio | 28.6285% | 650 |
| Memoranda: | ||
| Average total assets | $22,083,400 | 6,929 |
| Average earning assets | $17,189,400 | 6,949 |
| Average equity | $5,282,400 | 6,215 |
| Average total loans | $9,515,200 | 6,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 5,923 |
| Cost of funding earning assets | 0.1166% | 7,095 |
| Net interest margin | 3.7242% | 3,682 |
| Noninterest income to average assets | 0.9806% | 1,558 |
| Noninterest expense to average assets | 4.0498% | 873 |
| Loan and lease loss provision to assets | 0.0666% | 4,855 |
| Net operating income to assets | 1.3824% | 1,261 |
| Return on assets (ROA) | 1.3863% | 1,383 |
| Pretax return on assets | -0.2300% | 6,557 |
| Return on Equity (ROE) | 5.8305% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.8305% | 2,807 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4321% | 433 |
| Assets per employee ($millions) | 3.1106% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4082% | 7,009 |
| Loan loss allowance to noncurrent loans | 39.0476% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 4,154 |
| Noncurrent loans to loans | 1.0454% | 4,352 |
| Net loans and leases to total assets | 45.9401% | 5,770 |
| Net loans and leases to deposits | 61.5835% | 5,012 |
| Net loans and leases to core deposits | 61.5835% | 5,395 |
| Total domestic deposits to total assets | 74.5981% | 6,553 |
| Equity capital to assets | 24.9977% | 106 |
| Core capital (leverage) ratio | 11.4865% | 1,996 |
| Tier 1 risk-based capital ratio | 27.6921% | 690 |
| Total risk-based capital ratio | 28.2325% | 729 |
| Memoranda: | ||
| Average total assets | $22,025,250 | 7,020 |
| Average earning assets | $17,148,500 | 7,047 |
| Average equity | $5,236,750 | 6,297 |
| Average total loans | $9,473,750 | 6,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 6,452 |
| Cost of funding earning assets | 0.1040% | 7,174 |
| Net interest margin | 3.5236% | 4,580 |
| Noninterest income to average assets | 0.6875% | 2,732 |
| Noninterest expense to average assets | 4.2064% | 723 |
| Loan and lease loss provision to assets | 0.0452% | 5,109 |
| Net operating income to assets | -0.8232% | 6,868 |
| Return on assets (ROA) | -0.8141% | 6,886 |
| Pretax return on assets | -0.7961% | 6,849 |
| Return on Equity (ROE) | -3.4830% | 6,701 |
| Retained earnings to average equity (ytd only) | -3.4830% | 6,508 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9974% | 221 |
| Assets per employee ($millions) | 2.6668% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3202% | 7,114 |
| Loan loss allowance to noncurrent loans | 17.4129% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 3,395 |
| Noncurrent loans to loans | 1.8388% | 3,168 |
| Net loans and leases to total assets | 51.0734% | 5,214 |
| Net loans and leases to deposits | 67.7065% | 4,248 |
| Net loans and leases to core deposits | 67.7065% | 4,823 |
| Total domestic deposits to total assets | 75.4336% | 6,537 |
| Equity capital to assets | 24.0180% | 115 |
| Core capital (leverage) ratio | 11.0298% | 2,265 |
| Tier 1 risk-based capital ratio | 24.9848% | 902 |
| Total risk-based capital ratio | 25.4115% | 979 |
| Memoranda: | ||
| Average total assets | $22,109,000 | 7,075 |
| Average earning assets | $17,311,670 | 7,101 |
| Average equity | $5,168,000 | 6,345 |
| Average total loans | $9,283,670 | 7,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 6,559 |
| Cost of funding earning assets | 0.1355% | 7,210 |
| Net interest margin | 3.4790% | 4,795 |
| Noninterest income to average assets | 0.6934% | 2,690 |
| Noninterest expense to average assets | 4.1606% | 779 |
| Loan and lease loss provision to assets | 0.0889% | 4,251 |
| Net operating income to assets | -0.8535% | 6,971 |
| Return on assets (ROA) | -0.8535% | 6,986 |
| Pretax return on assets | -0.8179% | 6,937 |
| Return on Equity (ROE) | -3.6994% | 6,788 |
| Retained earnings to average equity (ytd only) | -3.6994% | 6,465 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2073% | 219 |
| Assets per employee ($millions) | 3.2333% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 7,108 |
| Loan loss allowance to noncurrent loans | 17.4129% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 3,695 |
| Noncurrent loans to loans | 2.5207% | 2,586 |
| Net loans and leases to total assets | 35.0771% | 6,684 |
| Net loans and leases to deposits | 45.5845% | 6,460 |
| Net loans and leases to core deposits | 46.6890% | 6,524 |
| Total domestic deposits to total assets | 76.9496% | 6,411 |
| Equity capital to assets | 22.8251% | 127 |
| Core capital (leverage) ratio | 10.7998% | 2,440 |
| Tier 1 risk-based capital ratio | 30.7070% | 496 |
| Total risk-based capital ratio | 31.2215% | 515 |
| Memoranda: | ||
| Average total assets | $22,496,500 | 7,129 |
| Average earning assets | $17,706,000 | 7,154 |
| Average equity | $5,190,000 | 6,371 |
| Average total loans | $8,460,000 | 7,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 4,264 |
| Cost of funding earning assets | 0.2197% | 7,216 |
| Net interest margin | 4.4764% | 1,194 |
| Noninterest income to average assets | 1.1857% | 941 |
| Noninterest expense to average assets | 4.4692% | 600 |
| Loan and lease loss provision to assets | 0.1231% | 5,068 |
| Net operating income to assets | -0.1779% | 6,234 |
| Return on assets (ROA) | -0.1779% | 6,309 |
| Pretax return on assets | 0.0319% | 6,070 |
| Return on Equity (ROE) | -0.7696% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.7696% | 5,973 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8580% | 827 |
| Assets per employee ($millions) | 3.1943% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3353% | 7,202 |
| Loan loss allowance to noncurrent loans | 14.8515% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 3,753 |
| Noncurrent loans to loans | 2.2580% | 2,887 |
| Net loans and leases to total assets | 39.8748% | 6,550 |
| Net loans and leases to deposits | 52.0825% | 6,207 |
| Net loans and leases to core deposits | 53.3605% | 6,347 |
| Total domestic deposits to total assets | 76.5608% | 6,396 |
| Equity capital to assets | 23.3184% | 123 |
| Core capital (leverage) ratio | 10.7492% | 2,477 |
| Tier 1 risk-based capital ratio | 27.3332% | 686 |
| Total risk-based capital ratio | 27.7173% | 728 |
| Memoranda: | ||
| Average total assets | $21,927,800 | 7,164 |
| Average earning assets | $16,843,800 | 7,211 |
| Average equity | $5,067,600 | 6,422 |
| Average total loans | $8,804,000 | 7,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 3,649 |
| Cost of funding earning assets | 0.2238% | 7,301 |
| Net interest margin | 4.6530% | 844 |
| Noninterest income to average assets | 1.1121% | 1,078 |
| Noninterest expense to average assets | 4.3507% | 672 |
| Loan and lease loss provision to assets | 0.1650% | 4,418 |
| Net operating income to assets | 0.1528% | 5,829 |
| Return on assets (ROA) | 0.1528% | 5,946 |
| Pretax return on assets | 0.1528% | 5,994 |
| Return on Equity (ROE) | 0.6625% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.6625% | 5,749 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4084% | 1,004 |
| Assets per employee ($millions) | 3.3499% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3235% | 7,279 |
| Loan loss allowance to noncurrent loans | 14.5631% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4158% | 4,005 |
| Noncurrent loans to loans | 2.2215% | 3,083 |
| Net loans and leases to total assets | 39.4175% | 6,678 |
| Net loans and leases to deposits | 50.6910% | 6,466 |
| Net loans and leases to core deposits | 51.8541% | 6,578 |
| Total domestic deposits to total assets | 77.7602% | 6,235 |
| Equity capital to assets | 21.8645% | 173 |
| Core capital (leverage) ratio | 10.1448% | 3,252 |
| Tier 1 risk-based capital ratio | 24.3830% | 972 |
| Total risk-based capital ratio | 24.7532% | 1,054 |
| Memoranda: | ||
| Average total assets | $21,819,750 | 7,237 |
| Average earning assets | $16,677,000 | 7,290 |
| Average equity | $5,031,000 | 6,488 |
| Average total loans | $8,768,500 | 7,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 4,420 |
| Cost of funding earning assets | 0.2369% | 7,373 |
| Net interest margin | 4.4878% | 1,166 |
| Noninterest income to average assets | 0.8742% | 1,734 |
| Noninterest expense to average assets | 4.4556% | 626 |
| Loan and lease loss provision to assets | 0.2444% | 3,460 |
| Net operating income to assets | -0.4418% | 6,647 |
| Return on assets (ROA) | -0.4418% | 6,671 |
| Pretax return on assets | -0.4418% | 6,617 |
| Return on Equity (ROE) | -1.8804% | 6,503 |
| Retained earnings to average equity (ytd only) | -1.8804% | 6,230 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7528% | 619 |
| Assets per employee ($millions) | 3.0963% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3056% | 7,344 |
| Loan loss allowance to noncurrent loans | 13.8095% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 3,862 |
| Noncurrent loans to loans | 2.2129% | 3,212 |
| Net loans and leases to total assets | 43.6514% | 6,465 |
| Net loans and leases to deposits | 57.1420% | 6,035 |
| Net loans and leases to core deposits | 58.5820% | 6,226 |
| Total domestic deposits to total assets | 76.3911% | 6,537 |
| Equity capital to assets | 23.3275% | 146 |
| Core capital (leverage) ratio | 10.4090% | 2,817 |
| Tier 1 risk-based capital ratio | 23.6115% | 1,048 |
| Total risk-based capital ratio | 23.9726% | 1,145 |
| Memoranda: | ||
| Average total assets | $21,276,670 | 7,316 |
| Average earning assets | $16,043,330 | 7,381 |
| Average equity | $4,999,000 | 6,531 |
| Average total loans | $8,600,330 | 7,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 5,507 |
| Cost of funding earning assets | 0.2276% | 7,463 |
| Net interest margin | 4.2229% | 1,827 |
| Noninterest income to average assets | 0.7022% | 2,567 |
| Noninterest expense to average assets | 4.1180% | 901 |
| Loan and lease loss provision to assets | 0.0190% | 5,706 |
| Net operating income to assets | -0.2657% | 6,627 |
| Return on assets (ROA) | -0.2657% | 6,640 |
| Pretax return on assets | -0.2657% | 6,594 |
| Return on Equity (ROE) | -1.1266% | 6,500 |
| Retained earnings to average equity (ytd only) | -1.1266% | 6,013 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3922% | 591 |
| Assets per employee ($millions) | 3.0783% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0499% | 7,490 |
| Loan loss allowance to noncurrent loans | 1.8692% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 3,872 |
| Noncurrent loans to loans | 2.6690% | 2,821 |
| Net loans and leases to total assets | 37.1914% | 6,948 |
| Net loans and leases to deposits | 48.7826% | 6,706 |
| Net loans and leases to core deposits | 50.0156% | 6,771 |
| Total domestic deposits to total assets | 76.2391% | 6,632 |
| Equity capital to assets | 23.6124% | 134 |
| Core capital (leverage) ratio | 10.7628% | 2,390 |
| Tier 1 risk-based capital ratio | 23.1324% | 1,065 |
| Total risk-based capital ratio | 23.1804% | 1,210 |
| Memoranda: | ||
| Average total assets | $21,078,000 | 7,381 |
| Average earning assets | $15,818,500 | 7,443 |
| Average equity | $4,970,500 | 6,581 |
| Average total loans | $8,155,500 | 7,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7031% | 7,612 |
| Cost of funding earning assets | 0.0329% | 7,615 |
| Net interest margin | 0.6702% | 7,600 |
| Noninterest income to average assets | 0.5359% | 3,915 |
| Noninterest expense to average assets | 0.7735% | 7,596 |
| Loan and lease loss provision to assets | 0.0166% | 6,944 |
| Net operating income to assets | 0.3094% | 4,905 |
| Return on assets (ROA) | 0.3094% | 5,075 |
| Pretax return on assets | 0.3094% | 5,207 |
| Return on Equity (ROE) | 2.2735% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.2735% | 4,287 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3518% | 4,100 |
| Assets per employee ($millions) | 2.9440% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0362% | 7,567 |
| Loan loss allowance to noncurrent loans | 1.3825% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 3,799 |
| Noncurrent loans to loans | 2.6167% | 2,909 |
| Net loans and leases to total assets | 40.2271% | 6,951 |
| Net loans and leases to deposits | 52.7354% | 6,691 |
| Net loans and leases to core deposits | 54.1229% | 6,803 |
| Total domestic deposits to total assets | 76.2811% | 6,602 |
| Equity capital to assets | 23.5491% | 145 |
| Core capital (leverage) ratio | 9.5522% | 3,640 |
| Tier 1 risk-based capital ratio | 14.5149% | 3,534 |
| Total risk-based capital ratio | 14.5408% | 4,340 |
| Memoranda: | ||
| Average total assets | $18,099,600 | 7,508 |
| Average earning assets | $15,219,200 | 7,518 |
| Average equity | $2,463,200 | 7,403 |
| Average total loans | $10,052,600 | 7,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 6,675 |
| Cost of funding earning assets | 0.4877% | 7,460 |
| Net interest margin | 3.9799% | 3,187 |
| Noninterest income to average assets | 1.7093% | 488 |
| Noninterest expense to average assets | 4.3038% | 742 |
| Loan and lease loss provision to assets | 1.6482% | 778 |
| Net operating income to assets | -0.5494% | 6,628 |
| Return on assets (ROA) | -0.5494% | 6,683 |
| Pretax return on assets | -0.7555% | 6,708 |
| Return on Equity (ROE) | -5.1454% | 6,658 |
| Retained earnings to average equity (ytd only) | -5.1454% | 6,565 |
| Net charge-offs to loans | 6.1375% | 91 |
| Credit loss provision to net charge-offs | 44.7205% | 5,963 |
| Earnings coverage of net charge-offs (x) | 0.2422% | 5,773 |
| Efficiency ratio | 82.8194% | 1,969 |
| Assets per employee ($millions) | 2.3419% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 3,344 |
| Loan loss allowance to noncurrent loans | 21.3630% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 4.6544% | 1,429 |
| Noncurrent loans to loans | 7.7055% | 692 |
| Net loans and leases to total assets | 59.4095% | 5,020 |
| Net loans and leases to deposits | 69.1101% | 5,258 |
| Net loans and leases to core deposits | 71.1135% | 5,624 |
| Total domestic deposits to total assets | 85.9635% | 3,094 |
| Equity capital to assets | 11.0474% | 2,916 |
| Core capital (leverage) ratio | 10.8430% | 2,378 |
| Tier 1 risk-based capital ratio | 17.7636% | 2,091 |
| Total risk-based capital ratio | 19.0191% | 2,055 |
| Memoranda: | ||
| Average total assets | $17,472,500 | 7,619 |
| Average earning assets | $15,309,750 | 7,611 |
| Average equity | $1,865,750 | 7,623 |
| Average total loans | $10,492,500 | 7,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 6,695 |
| Cost of funding earning assets | 0.5265% | 7,508 |
| Net interest margin | 3.9805% | 3,112 |
| Noninterest income to average assets | 1.4468% | 607 |
| Noninterest expense to average assets | 3.7684% | 1,417 |
| Loan and lease loss provision to assets | 2.2768% | 515 |
| Net operating income to assets | -0.8187% | 6,869 |
| Return on assets (ROA) | -0.8187% | 6,881 |
| Pretax return on assets | -1.1216% | 6,941 |
| Return on Equity (ROE) | -7.7495% | 6,875 |
| Retained earnings to average equity (ytd only) | -7.7495% | 6,795 |
| Net charge-offs to loans | 9.0370% | 43 |
| Credit loss provision to net charge-offs | 42.0290% | 5,577 |
| Earnings coverage of net charge-offs (x) | 0.2133% | 5,512 |
| Efficiency ratio | 76.5376% | 2,975 |
| Assets per employee ($millions) | 2.3993% | 7,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 4,089 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 3.2152% | 2,199 |
| Noncurrent loans to loans | 4.6912% | 1,524 |
| Net loans and leases to total assets | 60.0298% | 5,051 |
| Net loans and leases to deposits | 67.8101% | 5,577 |
| Net loans and leases to core deposits | 69.6559% | 5,910 |
| Total domestic deposits to total assets | 88.5263% | 1,708 |
| Equity capital to assets | 10.7711% | 3,104 |
| Core capital (leverage) ratio | 10.4446% | 2,672 |
| Tier 1 risk-based capital ratio | 15.5733% | 2,857 |
| Total risk-based capital ratio | 16.8216% | 2,830 |
| Memoranda: | ||
| Average total assets | $17,832,330 | 7,674 |
| Average earning assets | $15,576,000 | 7,665 |
| Average equity | $1,884,000 | 7,684 |
| Average total loans | $10,689,330 | 7,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 6,875 |
| Cost of funding earning assets | 0.5042% | 7,667 |
| Net interest margin | 3.9581% | 3,061 |
| Noninterest income to average assets | 1.3296% | 683 |
| Noninterest expense to average assets | 3.9453% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7438% | 557 |
| Return on assets (ROA) | 1.7438% | 610 |
| Pretax return on assets | 0.8065% | 3,840 |
| Return on Equity (ROE) | 16.6537% | 638 |
| Retained earnings to average equity (ytd only) | 16.6537% | 299 |
| Net charge-offs to loans | 7.5838% | 107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.1787% | 4,876 |
| Efficiency ratio | 83.0275% | 2,139 |
| Assets per employee ($millions) | 2.5693% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 1,933 |
| Loan loss allowance to noncurrent loans | 31.8571% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 4.2257% | 1,612 |
| Noncurrent loans to loans | 6.6307% | 938 |
| Net loans and leases to total assets | 57.4590% | 5,531 |
| Net loans and leases to deposits | 64.5593% | 5,995 |
| Net loans and leases to core deposits | 66.1800% | 6,271 |
| Total domestic deposits to total assets | 89.0019% | 1,514 |
| Equity capital to assets | 10.9035% | 2,843 |
| Core capital (leverage) ratio | 10.6686% | 2,474 |
| Tier 1 risk-based capital ratio | 16.2240% | 2,551 |
| Total risk-based capital ratio | 17.4816% | 2,510 |
| Memoranda: | ||
| Average total assets | $18,351,000 | 7,767 |
| Average earning assets | $15,866,000 | 7,758 |
| Average equity | $1,921,500 | 7,760 |
| Average total loans | $10,918,000 | 7,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 6,299 |
| Cost of funding earning assets | 0.7370% | 7,644 |
| Net interest margin | 4.3056% | 1,700 |
| Noninterest income to average assets | 1.4764% | 658 |
| Noninterest expense to average assets | 6.9375% | 210 |
| Loan and lease loss provision to assets | 2.0214% | 1,063 |
| Net operating income to assets | -2.7686% | 7,345 |
| Return on assets (ROA) | -2.7570% | 7,353 |
| Pretax return on assets | -3.7571% | 7,477 |
| Return on Equity (ROE) | -23.6110% | 7,251 |
| Retained earnings to average equity (ytd only) | -23.6110% | 7,225 |
| Net charge-offs to loans | 1.7773% | 1,411 |
| Credit loss provision to net charge-offs | 161.1814% | 2,757 |
| Earnings coverage of net charge-offs (x) | -1.3966% | 6,945 |
| Efficiency ratio | 133.7755% | 440 |
| Assets per employee ($millions) | 3.1195% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8124% | 403 |
| Loan loss allowance to noncurrent loans | 74.6528% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 3.0774% | 2,257 |
| Noncurrent loans to loans | 5.1068% | 1,310 |
| Net loans and leases to total assets | 57.9633% | 5,671 |
| Net loans and leases to deposits | 64.5659% | 6,201 |
| Net loans and leases to core deposits | 66.9485% | 6,933 |
| Total domestic deposits to total assets | 89.7740% | 1,067 |
| Equity capital to assets | 10.0550% | 3,687 |
| Core capital (leverage) ratio | 10.3766% | 2,710 |
| Tier 1 risk-based capital ratio | 14.8317% | 3,032 |
| Total risk-based capital ratio | 16.1006% | 2,975 |
| Memoranda: | ||
| Average total assets | $18,897,400 | 7,807 |
| Average earning assets | $16,281,200 | 7,811 |
| Average equity | $2,206,600 | 7,801 |
| Average total loans | $13,334,600 | 7,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 6,137 |
| Cost of funding earning assets | 0.7809% | 7,722 |
| Net interest margin | 4.3599% | 1,561 |
| Noninterest income to average assets | 1.3514% | 828 |
| Noninterest expense to average assets | 5.7647% | 337 |
| Loan and lease loss provision to assets | 2.8296% | 550 |
| Net operating income to assets | -3.4701% | 7,685 |
| Return on assets (ROA) | -3.4490% | 7,686 |
| Pretax return on assets | -3.4490% | 7,602 |
| Return on Equity (ROE) | -28.5573% | 7,574 |
| Retained earnings to average equity (ytd only) | -28.5573% | 7,563 |
| Net charge-offs to loans | 2.2818% | 827 |
| Credit loss provision to net charge-offs | 169.6203% | 2,750 |
| Earnings coverage of net charge-offs (x) | -0.3840% | 6,417 |
| Efficiency ratio | 112.5000% | 724 |
| Assets per employee ($millions) | 2.5157% | 7,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7410% | 352 |
| Loan loss allowance to noncurrent loans | 77.0548% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 4.4520% | 1,380 |
| Noncurrent loans to loans | 4.8549% | 1,395 |
| Net loans and leases to total assets | 65.7524% | 4,476 |
| Net loans and leases to deposits | 74.0203% | 5,365 |
| Net loans and leases to core deposits | 76.9471% | 6,560 |
| Total domestic deposits to total assets | 88.8302% | 1,279 |
| Equity capital to assets | 10.8518% | 3,165 |
| Core capital (leverage) ratio | 10.3814% | 2,899 |
| Tier 1 risk-based capital ratio | 14.6101% | 3,220 |
| Total risk-based capital ratio | 15.9098% | 3,144 |
| Memoranda: | ||
| Average total assets | $18,942,500 | 7,882 |
| Average earning assets | $16,391,250 | 7,886 |
| Average equity | $2,287,750 | 7,850 |
| Average total loans | $13,848,500 | 7,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 6,125 |
| Cost of funding earning assets | 0.8027% | 7,817 |
| Net interest margin | 4.3850% | 1,439 |
| Noninterest income to average assets | 1.0935% | 1,332 |
| Noninterest expense to average assets | 4.8900% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0206% | 5,879 |
| Return on assets (ROA) | 0.0103% | 5,885 |
| Pretax return on assets | 0.0103% | 5,847 |
| Return on Equity (ROE) | 0.0829% | 5,893 |
| Retained earnings to average equity (ytd only) | 0.0829% | 5,169 |
| Net charge-offs to loans | -0.0415% | 7,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4237% | 1,155 |
| Assets per employee ($millions) | 2.5674% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 1,333 |
| Loan loss allowance to noncurrent loans | 27.9340% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 5.7367% | 861 |
| Noncurrent loans to loans | 7.6523% | 605 |
| Net loans and leases to total assets | 73.3641% | 2,869 |
| Net loans and leases to deposits | 85.1029% | 3,711 |
| Net loans and leases to core deposits | 88.4899% | 5,680 |
| Total domestic deposits to total assets | 86.2063% | 2,674 |
| Equity capital to assets | 13.3764% | 1,534 |
| Core capital (leverage) ratio | 12.8487% | 1,482 |
| Tier 1 risk-based capital ratio | 17.7561% | 2,078 |
| Total risk-based capital ratio | 19.0191% | 2,026 |
| Memoranda: | ||
| Average total assets | $19,386,670 | 7,946 |
| Average earning assets | $16,693,330 | 7,957 |
| Average equity | $2,413,330 | 7,902 |
| Average total loans | $14,455,000 | 7,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 5,837 |
| Cost of funding earning assets | 0.8548% | 7,859 |
| Net interest margin | 4.4591% | 1,212 |
| Noninterest income to average assets | 1.2342% | 942 |
| Noninterest expense to average assets | 4.9169% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1330% | 5,877 |
| Return on assets (ROA) | 0.1991% | 5,829 |
| Pretax return on assets | 0.2389% | 5,852 |
| Return on Equity (ROE) | 1.6543% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.6543% | 4,918 |
| Net charge-offs to loans | -0.0268% | 7,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8627% | 1,274 |
| Assets per employee ($millions) | 2.3536% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 1,486 |
| Loan loss allowance to noncurrent loans | 40.3955% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 3.7602% | 1,404 |
| Noncurrent loans to loans | 4.8683% | 1,124 |
| Net loans and leases to total assets | 75.7183% | 2,341 |
| Net loans and leases to deposits | 87.3163% | 3,418 |
| Net loans and leases to core deposits | 91.4849% | 5,407 |
| Total domestic deposits to total assets | 86.7173% | 2,354 |
| Equity capital to assets | 12.8684% | 1,801 |
| Core capital (leverage) ratio | 12.5258% | 1,677 |
| Tier 1 risk-based capital ratio | 16.5225% | 2,505 |
| Total risk-based capital ratio | 17.7829% | 2,441 |
| Memoranda: | ||
| Average total assets | $20,094,000 | 7,972 |
| Average earning assets | $17,313,000 | 7,983 |
| Average equity | $2,418,000 | 7,952 |
| Average total loans | $14,946,000 | 7,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1380% | 4,846 |
| Cost of funding earning assets | 1.2073% | 7,937 |
| Net interest margin | 4.9307% | 595 |
| Noninterest income to average assets | 1.7439% | 447 |
| Noninterest expense to average assets | 6.1246% | 388 |
| Loan and lease loss provision to assets | 0.2089% | 4,807 |
| Net operating income to assets | -0.1834% | 6,600 |
| Return on assets (ROA) | 0.0940% | 5,971 |
| Pretax return on assets | 0.1514% | 5,840 |
| Return on Equity (ROE) | 0.7232% | 6,002 |
| Retained earnings to average equity (ytd only) | -5.3033% | 6,560 |
| Net charge-offs to loans | 0.5729% | 2,099 |
| Credit loss provision to net charge-offs | 49.3827% | 6,357 |
| Earnings coverage of net charge-offs (x) | -0.1728% | 6,358 |
| Efficiency ratio | 101.2079% | 937 |
| Assets per employee ($millions) | 2.6699% | 6,850 |
| Cash dividends to net income (ytd only)* | 833.3333% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,515 |
| Loan loss allowance to noncurrent loans | 72.8900% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.8306% | 2,696 |
| Noncurrent loans to loans | 2.5474% | 2,137 |
| Net loans and leases to total assets | 70.5276% | 3,900 |
| Net loans and leases to deposits | 86.0308% | 4,114 |
| Net loans and leases to core deposits | 89.8431% | 5,812 |
| Total domestic deposits to total assets | 81.9795% | 4,210 |
| Equity capital to assets | 11.2973% | 2,805 |
| Core capital (leverage) ratio | 12.5435% | 1,732 |
| Tier 1 risk-based capital ratio | 15.3119% | 2,917 |
| Total risk-based capital ratio | 16.5673% | 2,847 |
| Memoranda: | ||
| Average total assets | $19,152,200 | 8,045 |
| Average earning assets | $16,731,800 | 8,045 |
| Average equity | $2,489,000 | 7,992 |
| Average total loans | $14,139,600 | 7,695 |