Home > The Home Building and Loan Company > Performance and Condition Ratios
The Home Building and Loan Company, 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 | 2.8306% | 6,320 |
| Cost of funding earning assets | 0.3195% | 4,765 |
| Net interest margin | 2.5111% | 6,260 |
| Noninterest income to average assets | 0.0746% | 6,365 |
| Noninterest expense to average assets | 2.6431% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1812% | 6,309 |
| Return on assets (ROA) | -0.1865% | 6,322 |
| Pretax return on assets | -0.1865% | 6,306 |
| Return on Equity (ROE) | -1.3913% | 6,298 |
| Retained earnings to average equity (ytd only) | -1.3913% | 5,912 |
| Net charge-offs to loans | -0.0599% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3593% | 269 |
| Assets per employee ($millions) | 7.2852% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3586% | 43 |
| Loan loss allowance to noncurrent loans | 56.5543% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 4.1207% | 498 |
| Noncurrent loans to loans | 11.2433% | 56 |
| Net loans and leases to total assets | 24.4194% | 6,442 |
| Net loans and leases to deposits | 28.4449% | 6,452 |
| Net loans and leases to core deposits | 28.4449% | 6,467 |
| Total domestic deposits to total assets | 85.8480% | 3,126 |
| Equity capital to assets | 13.7896% | 1,053 |
| Core capital (leverage) ratio | 13.7896% | 887 |
| Tier 1 risk-based capital ratio | 38.0848% | 280 |
| Total risk-based capital ratio | 39.3813% | 275 |
| Memoranda: | ||
| Average total assets | $37,531,000 | 6,228 |
| Average earning assets | $35,681,330 | 6,178 |
| Average equity | $5,031,330 | 5,950 |
| Average total loans | $10,021,670 | 6,448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7666% | 6,420 |
| Cost of funding earning assets | 0.3652% | 4,378 |
| Net interest margin | 2.4014% | 6,420 |
| Noninterest income to average assets | 0.0630% | 6,450 |
| Noninterest expense to average assets | 2.8044% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4621% | 6,460 |
| Return on assets (ROA) | -0.4726% | 6,466 |
| Pretax return on assets | -0.4726% | 6,449 |
| Return on Equity (ROE) | -3.5746% | 6,427 |
| Retained earnings to average equity (ytd only) | -3.5746% | 6,019 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7309% | 176 |
| Assets per employee ($millions) | 7.5636% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9908% | 48 |
| Loan loss allowance to noncurrent loans | 44.5185% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 4.6063% | 469 |
| Noncurrent loans to loans | 13.4569% | 51 |
| Net loans and leases to total assets | 24.9379% | 6,489 |
| Net loans and leases to deposits | 28.8657% | 6,499 |
| Net loans and leases to core deposits | 28.8657% | 6,513 |
| Total domestic deposits to total assets | 86.3927% | 3,162 |
| Equity capital to assets | 13.2556% | 1,188 |
| Core capital (leverage) ratio | 13.2556% | 1,067 |
| Tier 1 risk-based capital ratio | 36.1897% | 312 |
| Total risk-based capital ratio | 37.4820% | 306 |
| Memoranda: | ||
| Average total assets | $38,083,500 | 6,281 |
| Average earning assets | $36,145,500 | 6,231 |
| Average equity | $5,035,500 | 5,985 |
| Average total loans | $10,283,000 | 6,511 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8097% | 6,493 |
| Cost of funding earning assets | 0.4718% | 3,893 |
| Net interest margin | 2.3380% | 6,495 |
| Noninterest income to average assets | -0.2104% | 6,760 |
| Noninterest expense to average assets | 2.6981% | 4,101 |
| Loan and lease loss provision to assets | 1.2030% | 135 |
| Net operating income to assets | -1.8912% | 6,704 |
| Return on assets (ROA) | -1.9060% | 6,704 |
| Pretax return on assets | -1.9060% | 6,700 |
| Return on Equity (ROE) | -14.4813% | 6,639 |
| Retained earnings to average equity (ytd only) | -14.4813% | 6,610 |
| Net charge-offs to loans | 3.2565% | 68 |
| Credit loss provision to net charge-offs | 126.2338% | 1,873 |
| Earnings coverage of net charge-offs (x) | -0.7221% | 5,232 |
| Efficiency ratio | 134.2365% | 98 |
| Assets per employee ($millions) | 7.6698% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7053% | 54 |
| Loan loss allowance to noncurrent loans | 44.4856% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.5477% | 546 |
| Noncurrent loans to loans | 12.8251% | 58 |
| Net loans and leases to total assets | 25.9016% | 6,571 |
| Net loans and leases to deposits | 29.9557% | 6,583 |
| Net loans and leases to core deposits | 29.9557% | 6,600 |
| Total domestic deposits to total assets | 86.4664% | 3,013 |
| Equity capital to assets | 13.1894% | 1,191 |
| Core capital (leverage) ratio | 13.1894% | 1,057 |
| Tier 1 risk-based capital ratio | 35.8495% | 300 |
| Total risk-based capital ratio | 36.9551% | 298 |
| Memoranda: | ||
| Average total assets | $40,398,200 | 6,275 |
| Average earning assets | $38,366,600 | 6,213 |
| Average equity | $5,317,200 | 5,980 |
| Average total loans | $11,822,600 | 6,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8312% | 6,549 |
| Cost of funding earning assets | 0.4701% | 4,067 |
| Net interest margin | 2.3611% | 6,545 |
| Noninterest income to average assets | -0.0033% | 6,763 |
| Noninterest expense to average assets | 2.7637% | 3,778 |
| Loan and lease loss provision to assets | 1.5839% | 75 |
| Net operating income to assets | -2.1086% | 6,811 |
| Return on assets (ROA) | -2.1282% | 6,814 |
| Pretax return on assets | -2.1282% | 6,807 |
| Return on Equity (ROE) | -16.1769% | 6,745 |
| Retained earnings to average equity (ytd only) | -16.1769% | 6,721 |
| Net charge-offs to loans | 4.3584% | 31 |
| Credit loss provision to net charge-offs | 122.4181% | 1,921 |
| Earnings coverage of net charge-offs (x) | -0.4055% | 4,942 |
| Efficiency ratio | 123.4352% | 150 |
| Assets per employee ($millions) | 7.8518% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2547% | 94 |
| Loan loss allowance to noncurrent loans | 41.2176% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 4.4907% | 677 |
| Noncurrent loans to loans | 12.7487% | 69 |
| Net loans and leases to total assets | 27.0511% | 6,626 |
| Net loans and leases to deposits | 31.2804% | 6,633 |
| Net loans and leases to core deposits | 31.2804% | 6,659 |
| Total domestic deposits to total assets | 86.4795% | 2,973 |
| Equity capital to assets | 13.1817% | 1,249 |
| Core capital (leverage) ratio | 13.1817% | 1,134 |
| Tier 1 risk-based capital ratio | 41.5729% | 221 |
| Total risk-based capital ratio | 42.8583% | 220 |
| Memoranda: | ||
| Average total assets | $40,910,500 | 6,336 |
| Average earning assets | $38,851,500 | 6,273 |
| Average equity | $5,382,000 | 6,040 |
| Average total loans | $12,144,750 | 6,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8970% | 6,536 |
| Cost of funding earning assets | 0.4684% | 4,224 |
| Net interest margin | 2.4286% | 6,528 |
| Noninterest income to average assets | 0.1833% | 6,108 |
| Noninterest expense to average assets | 2.7930% | 3,695 |
| Loan and lease loss provision to assets | 2.3444% | 37 |
| Net operating income to assets | -2.6531% | 6,883 |
| Return on assets (ROA) | -2.6820% | 6,887 |
| Pretax return on assets | -2.6820% | 6,880 |
| Return on Equity (ROE) | -20.3999% | 6,829 |
| Retained earnings to average equity (ytd only) | -20.3999% | 6,805 |
| Net charge-offs to loans | 5.8603% | 24 |
| Credit loss provision to net charge-offs | 133.1507% | 1,706 |
| Earnings coverage of net charge-offs (x) | -0.1753% | 4,612 |
| Efficiency ratio | 112.4272% | 248 |
| Assets per employee ($millions) | 6.8798% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3553% | 96 |
| Loan loss allowance to noncurrent loans | 36.6588% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.1140% | 595 |
| Noncurrent loans to loans | 14.6085% | 54 |
| Net loans and leases to total assets | 26.5874% | 6,673 |
| Net loans and leases to deposits | 30.5923% | 6,684 |
| Net loans and leases to core deposits | 30.5923% | 6,705 |
| Total domestic deposits to total assets | 86.9086% | 2,880 |
| Equity capital to assets | 12.7716% | 1,430 |
| Core capital (leverage) ratio | 12.7716% | 1,257 |
| Tier 1 risk-based capital ratio | 40.0030% | 234 |
| Total risk-based capital ratio | 41.3688% | 229 |
| Memoranda: | ||
| Average total assets | $41,461,000 | 6,363 |
| Average earning assets | $39,282,330 | 6,302 |
| Average equity | $5,451,000 | 6,060 |
| Average total loans | $12,456,670 | 6,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6417% | 6,761 |
| Cost of funding earning assets | 0.4590% | 4,497 |
| Net interest margin | 2.1828% | 6,768 |
| Noninterest income to average assets | 0.0096% | 6,832 |
| Noninterest expense to average assets | 3.1960% | 2,365 |
| Loan and lease loss provision to assets | 4.4089% | 14 |
| Net operating income to assets | -5.5352% | 7,002 |
| Return on assets (ROA) | -5.5352% | 7,001 |
| Pretax return on assets | -5.5352% | 7,000 |
| Return on Equity (ROE) | -41.5125% | 6,958 |
| Retained earnings to average equity (ytd only) | -41.5125% | 6,943 |
| Net charge-offs to loans | 3.3522% | 99 |
| Credit loss provision to net charge-offs | 424.0741% | 612 |
| Earnings coverage of net charge-offs (x) | -1.0833% | 3,972 |
| Efficiency ratio | 154.4186% | 80 |
| Assets per employee ($millions) | 6.9560% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7428% | 46 |
| Loan loss allowance to noncurrent loans | 37.8788% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 6.7807% | 424 |
| Noncurrent loans to loans | 17.8010% | 41 |
| Net loans and leases to total assets | 28.1675% | 6,660 |
| Net loans and leases to deposits | 32.3402% | 6,681 |
| Net loans and leases to core deposits | 32.3402% | 6,716 |
| Total domestic deposits to total assets | 87.0975% | 2,903 |
| Equity capital to assets | 12.5863% | 1,661 |
| Core capital (leverage) ratio | 12.5863% | 1,303 |
| Tier 1 risk-based capital ratio | 37.9936% | 270 |
| Total risk-based capital ratio | 39.3751% | 261 |
| Memoranda: | ||
| Average total assets | $41,552,000 | 6,418 |
| Average earning assets | $39,216,500 | 6,359 |
| Average equity | $5,540,500 | 6,090 |
| Average total loans | $12,887,000 | 6,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9695% | 6,785 |
| Cost of funding earning assets | 0.4628% | 5,472 |
| Net interest margin | 2.5067% | 6,708 |
| Noninterest income to average assets | -0.2478% | 6,976 |
| Noninterest expense to average assets | 2.8154% | 3,966 |
| Loan and lease loss provision to assets | 1.3310% | 260 |
| Net operating income to assets | -1.8879% | 6,914 |
| Return on assets (ROA) | -1.8879% | 6,924 |
| Pretax return on assets | -2.0295% | 6,926 |
| Return on Equity (ROE) | -13.0204% | 6,792 |
| Retained earnings to average equity (ytd only) | -13.0204% | 6,731 |
| Net charge-offs to loans | 3.1367% | 149 |
| Credit loss provision to net charge-offs | 121.5517% | 2,352 |
| Earnings coverage of net charge-offs (x) | -0.6379% | 5,702 |
| Efficiency ratio | 132.9989% | 144 |
| Assets per employee ($millions) | 6.8947% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7971% | 331 |
| Loan loss allowance to noncurrent loans | 27.2777% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 5.9345% | 586 |
| Noncurrent loans to loans | 13.9201% | 103 |
| Net loans and leases to total assets | 30.6227% | 6,679 |
| Net loans and leases to deposits | 35.7782% | 6,687 |
| Net loans and leases to core deposits | 35.7782% | 6,733 |
| Total domestic deposits to total assets | 85.5903% | 3,566 |
| Equity capital to assets | 14.0882% | 1,012 |
| Core capital (leverage) ratio | 14.0882% | 777 |
| Tier 1 risk-based capital ratio | 41.6286% | 206 |
| Total risk-based capital ratio | 42.9714% | 205 |
| Memoranda: | ||
| Average total assets | $42,374,800 | 6,418 |
| Average earning assets | $39,972,800 | 6,364 |
| Average equity | $6,144,200 | 5,987 |
| Average total loans | $14,792,600 | 6,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 6,883 |
| Cost of funding earning assets | 0.4602% | 5,723 |
| Net interest margin | 2.5793% | 6,777 |
| Noninterest income to average assets | -0.3566% | 7,106 |
| Noninterest expense to average assets | 3.0591% | 3,024 |
| Loan and lease loss provision to assets | 1.5139% | 210 |
| Net operating income to assets | -2.3052% | 7,073 |
| Return on assets (ROA) | -2.3052% | 7,076 |
| Pretax return on assets | -2.4929% | 7,079 |
| Return on Equity (ROE) | -15.7898% | 6,941 |
| Retained earnings to average equity (ytd only) | -15.7898% | 6,921 |
| Net charge-offs to loans | 3.5879% | 119 |
| Credit loss provision to net charge-offs | 118.3374% | 2,448 |
| Earnings coverage of net charge-offs (x) | -0.7653% | 5,546 |
| Efficiency ratio | 147.0677% | 99 |
| Assets per employee ($millions) | 6.9692% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4473% | 486 |
| Loan loss allowance to noncurrent loans | 25.2660% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 5.9835% | 667 |
| Noncurrent loans to loans | 13.6440% | 118 |
| Net loans and leases to total assets | 31.8163% | 6,754 |
| Net loans and leases to deposits | 37.1724% | 6,779 |
| Net loans and leases to core deposits | 37.1724% | 6,832 |
| Total domestic deposits to total assets | 85.5913% | 3,465 |
| Equity capital to assets | 14.0882% | 1,125 |
| Core capital (leverage) ratio | 14.0882% | 807 |
| Tier 1 risk-based capital ratio | 41.1641% | 217 |
| Total risk-based capital ratio | 42.5058% | 216 |
| Memoranda: | ||
| Average total assets | $42,626,500 | 6,483 |
| Average earning assets | $40,268,000 | 6,422 |
| Average equity | $6,223,250 | 6,027 |
| Average total loans | $15,198,750 | 6,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 6,968 |
| Cost of funding earning assets | 0.4549% | 5,939 |
| Net interest margin | 2.5565% | 6,848 |
| Noninterest income to average assets | -0.3823% | 7,176 |
| Noninterest expense to average assets | 3.2030% | 2,577 |
| Loan and lease loss provision to assets | 1.6598% | 206 |
| Net operating income to assets | -2.5550% | 7,128 |
| Return on assets (ROA) | -2.5550% | 7,134 |
| Pretax return on assets | -2.8347% | 7,143 |
| Return on Equity (ROE) | -17.3034% | 7,004 |
| Retained earnings to average equity (ytd only) | -17.3034% | 6,974 |
| Net charge-offs to loans | 3.9051% | 115 |
| Credit loss provision to net charge-offs | 116.3399% | 2,366 |
| Earnings coverage of net charge-offs (x) | -0.8235% | 5,284 |
| Efficiency ratio | 157.9310% | 88 |
| Assets per employee ($millions) | 7.1200% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1129% | 707 |
| Loan loss allowance to noncurrent loans | 23.5602% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 5.8427% | 742 |
| Noncurrent loans to loans | 13.2125% | 136 |
| Net loans and leases to total assets | 32.7856% | 6,781 |
| Net loans and leases to deposits | 38.3705% | 6,789 |
| Net loans and leases to core deposits | 38.3705% | 6,860 |
| Total domestic deposits to total assets | 85.4448% | 3,642 |
| Equity capital to assets | 14.2322% | 1,005 |
| Core capital (leverage) ratio | 14.2322% | 753 |
| Tier 1 risk-based capital ratio | 39.9921% | 226 |
| Total risk-based capital ratio | 41.3274% | 221 |
| Memoranda: | ||
| Average total assets | $42,897,000 | 6,511 |
| Average earning assets | $40,446,000 | 6,462 |
| Average equity | $6,334,000 | 6,030 |
| Average total loans | $15,672,000 | 6,756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7181% | 7,135 |
| Cost of funding earning assets | 0.4530% | 6,129 |
| Net interest margin | 2.2651% | 7,074 |
| Noninterest income to average assets | -0.4653% | 7,248 |
| Noninterest expense to average assets | 3.7780% | 1,244 |
| Loan and lease loss provision to assets | 1.6471% | 201 |
| Net operating income to assets | -3.1918% | 7,231 |
| Return on assets (ROA) | -3.1918% | 7,232 |
| Pretax return on assets | -3.7501% | 7,243 |
| Return on Equity (ROE) | -21.2351% | 7,120 |
| Retained earnings to average equity (ytd only) | -21.2351% | 7,060 |
| Net charge-offs to loans | 3.7346% | 165 |
| Credit loss provision to net charge-offs | 116.4474% | 2,028 |
| Earnings coverage of net charge-offs (x) | -1.4868% | 4,593 |
| Efficiency ratio | 225.5556% | 31 |
| Assets per employee ($millions) | 7.1783% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,152 |
| Loan loss allowance to noncurrent loans | 17.9780% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 6.7866% | 642 |
| Noncurrent loans to loans | 14.8576% | 123 |
| Net loans and leases to total assets | 35.9554% | 6,620 |
| Net loans and leases to deposits | 42.2584% | 6,645 |
| Net loans and leases to core deposits | 42.2584% | 6,734 |
| Total domestic deposits to total assets | 85.0847% | 3,995 |
| Equity capital to assets | 14.5925% | 836 |
| Core capital (leverage) ratio | 14.5925% | 674 |
| Tier 1 risk-based capital ratio | 39.4019% | 239 |
| Total risk-based capital ratio | 40.6683% | 236 |
| Memoranda: | ||
| Average total assets | $42,985,500 | 6,563 |
| Average earning assets | $40,616,500 | 6,503 |
| Average equity | $6,461,000 | 6,023 |
| Average total loans | $16,280,000 | 6,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 6,888 |
| Cost of funding earning assets | 0.5413% | 6,381 |
| Net interest margin | 3.1171% | 6,306 |
| Noninterest income to average assets | 0.0203% | 6,935 |
| Noninterest expense to average assets | 2.8905% | 3,995 |
| Loan and lease loss provision to assets | 0.9108% | 1,054 |
| Net operating income to assets | -0.7503% | 6,628 |
| Return on assets (ROA) | -0.7503% | 6,664 |
| Pretax return on assets | -0.8136% | 6,651 |
| Return on Equity (ROE) | -4.8968% | 6,523 |
| Retained earnings to average equity (ytd only) | -4.8968% | 6,439 |
| Net charge-offs to loans | 1.9950% | 693 |
| Credit loss provision to net charge-offs | 113.8418% | 2,878 |
| Earnings coverage of net charge-offs (x) | 0.1215% | 5,743 |
| Efficiency ratio | 96.7474% | 785 |
| Assets per employee ($millions) | 7.1502% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 1,456 |
| Loan loss allowance to noncurrent loans | 14.6681% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 8.3192% | 462 |
| Noncurrent loans to loans | 16.3794% | 102 |
| Net loans and leases to total assets | 37.8756% | 6,652 |
| Net loans and leases to deposits | 44.8211% | 6,682 |
| Net loans and leases to core deposits | 44.8211% | 6,779 |
| Total domestic deposits to total assets | 84.5039% | 4,095 |
| Equity capital to assets | 15.4705% | 684 |
| Core capital (leverage) ratio | 15.4705% | 533 |
| Tier 1 risk-based capital ratio | 41.1852% | 213 |
| Total risk-based capital ratio | 42.4511% | 210 |
| Memoranda: | ||
| Average total assets | $44,249,000 | 6,529 |
| Average earning assets | $42,122,600 | 6,461 |
| Average equity | $6,780,000 | 5,935 |
| Average total loans | $17,744,000 | 6,768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 7,028 |
| Cost of funding earning assets | 0.5684% | 6,436 |
| Net interest margin | 3.0241% | 6,534 |
| Noninterest income to average assets | 0.0090% | 7,079 |
| Noninterest expense to average assets | 2.6973% | 4,738 |
| Loan and lease loss provision to assets | 0.6400% | 1,535 |
| Net operating income to assets | -0.3648% | 6,559 |
| Return on assets (ROA) | -0.3648% | 6,609 |
| Pretax return on assets | -0.4485% | 6,593 |
| Return on Equity (ROE) | -2.3865% | 6,515 |
| Retained earnings to average equity (ytd only) | -2.3865% | 6,346 |
| Net charge-offs to loans | 2.0276% | 620 |
| Credit loss provision to net charge-offs | 78.1022% | 4,207 |
| Earnings coverage of net charge-offs (x) | 0.2336% | 5,422 |
| Efficiency ratio | 93.3747% | 950 |
| Assets per employee ($millions) | 7.2435% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 3,378 |
| Loan loss allowance to noncurrent loans | 11.2355% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 7.8116% | 574 |
| Noncurrent loans to loans | 14.8671% | 142 |
| Net loans and leases to total assets | 39.4146% | 6,680 |
| Net loans and leases to deposits | 46.7752% | 6,699 |
| Net loans and leases to core deposits | 46.7752% | 6,810 |
| Total domestic deposits to total assets | 84.2641% | 4,115 |
| Equity capital to assets | 15.7129% | 684 |
| Core capital (leverage) ratio | 15.7129% | 547 |
| Tier 1 risk-based capital ratio | 42.3084% | 211 |
| Total risk-based capital ratio | 43.5661% | 210 |
| Memoranda: | ||
| Average total assets | $44,586,000 | 6,573 |
| Average earning assets | $42,458,500 | 6,499 |
| Average equity | $6,815,750 | 5,961 |
| Average total loans | $18,017,750 | 6,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5816% | 7,110 |
| Cost of funding earning assets | 0.6211% | 6,358 |
| Net interest margin | 2.9605% | 6,673 |
| Noninterest income to average assets | -0.0178% | 7,222 |
| Noninterest expense to average assets | 2.8780% | 4,111 |
| Loan and lease loss provision to assets | 0.8630% | 1,046 |
| Net operating income to assets | -0.8140% | 6,879 |
| Return on assets (ROA) | -0.8140% | 6,885 |
| Pretax return on assets | -0.9386% | 6,876 |
| Return on Equity (ROE) | -5.3734% | 6,734 |
| Retained earnings to average equity (ytd only) | -5.3734% | 6,594 |
| Net charge-offs to loans | 1.8884% | 721 |
| Credit loss provision to net charge-offs | 112.7907% | 2,718 |
| Earnings coverage of net charge-offs (x) | -0.0988% | 5,345 |
| Efficiency ratio | 102.6984% | 641 |
| Assets per employee ($millions) | 7.3798% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 2,102 |
| Loan loss allowance to noncurrent loans | 15.0768% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 7.5228% | 637 |
| Noncurrent loans to loans | 14.0067% | 163 |
| Net loans and leases to total assets | 39.0479% | 6,796 |
| Net loans and leases to deposits | 46.1042% | 6,824 |
| Net loans and leases to core deposits | 46.1042% | 6,933 |
| Total domestic deposits to total assets | 84.6948% | 4,021 |
| Equity capital to assets | 15.2849% | 751 |
| Core capital (leverage) ratio | 15.2849% | 622 |
| Tier 1 risk-based capital ratio | 41.5521% | 221 |
| Total risk-based capital ratio | 42.8107% | 219 |
| Memoranda: | ||
| Average total assets | $44,961,000 | 6,625 |
| Average earning assets | $42,830,330 | 6,547 |
| Average equity | $6,811,330 | 5,980 |
| Average total loans | $18,216,670 | 6,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 7,124 |
| Cost of funding earning assets | 0.7867% | 5,629 |
| Net interest margin | 2.8320% | 6,866 |
| Noninterest income to average assets | 0.0441% | 7,162 |
| Noninterest expense to average assets | 3.2758% | 2,635 |
| Loan and lease loss provision to assets | 0.3532% | 2,434 |
| Net operating income to assets | -0.8830% | 7,000 |
| Return on assets (ROA) | -0.8830% | 7,002 |
| Pretax return on assets | -0.8830% | 6,953 |
| Return on Equity (ROE) | -5.8539% | 6,856 |
| Retained earnings to average equity (ytd only) | -5.8539% | 6,584 |
| Net charge-offs to loans | 2.4225% | 485 |
| Credit loss provision to net charge-offs | 35.7143% | 4,024 |
| Earnings coverage of net charge-offs (x) | -0.5357% | 4,804 |
| Efficiency ratio | 119.2926% | 351 |
| Assets per employee ($millions) | 7.5312% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 4,084 |
| Loan loss allowance to noncurrent loans | 11.3646% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 7.1658% | 729 |
| Noncurrent loans to loans | 13.4226% | 208 |
| Net loans and leases to total assets | 39.8588% | 6,787 |
| Net loans and leases to deposits | 46.9428% | 6,800 |
| Net loans and leases to core deposits | 46.9428% | 6,930 |
| Total domestic deposits to total assets | 84.9094% | 4,077 |
| Equity capital to assets | 15.0110% | 766 |
| Core capital (leverage) ratio | 15.0110% | 668 |
| Tier 1 risk-based capital ratio | 40.5730% | 226 |
| Total risk-based capital ratio | 41.8292% | 223 |
| Memoranda: | ||
| Average total assets | $45,302,000 | 6,657 |
| Average earning assets | $43,220,000 | 6,582 |
| Average equity | $6,833,000 | 5,979 |
| Average total loans | $18,493,500 | 6,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 7,282 |
| Cost of funding earning assets | 1.2489% | 4,224 |
| Net interest margin | 2.4977% | 7,273 |
| Noninterest income to average assets | 0.0701% | 7,027 |
| Noninterest expense to average assets | 1.9039% | 7,157 |
| Loan and lease loss provision to assets | 0.5521% | 2,928 |
| Net operating income to assets | -0.0175% | 5,877 |
| Return on assets (ROA) | -0.0175% | 5,982 |
| Pretax return on assets | -0.0241% | 5,927 |
| Return on Equity (ROE) | -0.1169% | 5,977 |
| Retained earnings to average equity (ytd only) | -0.1169% | 5,625 |
| Net charge-offs to loans | 0.9633% | 2,248 |
| Credit loss provision to net charge-offs | 135.4839% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.2957% | 4,804 |
| Efficiency ratio | 78.2883% | 2,657 |
| Assets per employee ($millions) | 7.5695% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,730 |
| Loan loss allowance to noncurrent loans | 11.0384% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 7.0084% | 781 |
| Noncurrent loans to loans | 12.2587% | 273 |
| Net loans and leases to total assets | 40.6103% | 6,929 |
| Net loans and leases to deposits | 47.9165% | 6,954 |
| Net loans and leases to core deposits | 47.9165% | 7,075 |
| Total domestic deposits to total assets | 84.7524% | 3,973 |
| Equity capital to assets | 15.1551% | 752 |
| Core capital (leverage) ratio | 15.1551% | 640 |
| Tier 1 risk-based capital ratio | 40.6532% | 228 |
| Total risk-based capital ratio | 41.9054% | 227 |
| Memoranda: | ||
| Average total assets | $45,643,200 | 6,677 |
| Average earning assets | $43,159,400 | 6,612 |
| Average equity | $6,842,800 | 6,092 |
| Average total loans | $19,308,600 | 6,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 7,373 |
| Cost of funding earning assets | 1.3599% | 3,833 |
| Net interest margin | 2.4973% | 7,379 |
| Noninterest income to average assets | 0.0671% | 7,198 |
| Noninterest expense to average assets | 1.9606% | 7,116 |
| Loan and lease loss provision to assets | 0.5893% | 2,578 |
| Net operating income to assets | -0.1167% | 6,200 |
| Return on assets (ROA) | -0.1167% | 6,288 |
| Pretax return on assets | -0.1254% | 6,253 |
| Return on Equity (ROE) | -0.7805% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.7805% | 5,980 |
| Net charge-offs to loans | 0.9797% | 2,041 |
| Credit loss provision to net charge-offs | 141.2587% | 2,804 |
| Earnings coverage of net charge-offs (x) | 1.1119% | 4,945 |
| Efficiency ratio | 80.8664% | 2,233 |
| Assets per employee ($millions) | 7.6250% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 5,029 |
| Loan loss allowance to noncurrent loans | 10.0163% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 7.0142% | 771 |
| Noncurrent loans to loans | 12.8620% | 234 |
| Net loans and leases to total assets | 41.2000% | 7,013 |
| Net loans and leases to deposits | 48.5061% | 7,066 |
| Net loans and leases to core deposits | 48.5061% | 7,183 |
| Total domestic deposits to total assets | 84.9377% | 3,647 |
| Equity capital to assets | 14.9749% | 899 |
| Core capital (leverage) ratio | 14.9749% | 720 |
| Tier 1 risk-based capital ratio | 39.9778% | 245 |
| Total risk-based capital ratio | 41.2324% | 242 |
| Memoranda: | ||
| Average total assets | $45,699,750 | 6,754 |
| Average earning assets | $43,139,750 | 6,692 |
| Average equity | $6,832,750 | 6,170 |
| Average total loans | $19,461,500 | 7,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 7,431 |
| Cost of funding earning assets | 1.5319% | 3,059 |
| Net interest margin | 2.3649% | 7,501 |
| Noninterest income to average assets | 0.0569% | 7,303 |
| Noninterest expense to average assets | 1.8606% | 7,314 |
| Loan and lease loss provision to assets | 0.7092% | 2,052 |
| Net operating income to assets | -0.2627% | 6,430 |
| Return on assets (ROA) | -0.2627% | 6,473 |
| Pretax return on assets | -0.2758% | 6,399 |
| Return on Equity (ROE) | -1.7578% | 6,402 |
| Retained earnings to average equity (ytd only) | -1.7578% | 6,112 |
| Net charge-offs to loans | 0.4391% | 3,227 |
| Credit loss provision to net charge-offs | 376.7442% | 961 |
| Earnings coverage of net charge-offs (x) | 2.3023% | 3,848 |
| Efficiency ratio | 81.1069% | 2,287 |
| Assets per employee ($millions) | 7.8243% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 3,536 |
| Loan loss allowance to noncurrent loans | 12.3188% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 6.8845% | 778 |
| Noncurrent loans to loans | 12.8240% | 238 |
| Net loans and leases to total assets | 40.6084% | 7,127 |
| Net loans and leases to deposits | 47.5791% | 7,183 |
| Net loans and leases to core deposits | 47.5791% | 7,300 |
| Total domestic deposits to total assets | 85.3491% | 3,442 |
| Equity capital to assets | 14.5508% | 997 |
| Core capital (leverage) ratio | 14.5508% | 809 |
| Tier 1 risk-based capital ratio | 39.2248% | 263 |
| Total risk-based capital ratio | 40.4823% | 254 |
| Memoranda: | ||
| Average total assets | $45,683,000 | 6,797 |
| Average earning assets | $43,215,670 | 6,732 |
| Average equity | $6,826,670 | 6,197 |
| Average total loans | $19,583,670 | 7,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 7,363 |
| Cost of funding earning assets | 1.7521% | 2,118 |
| Net interest margin | 2.3644% | 7,558 |
| Noninterest income to average assets | 0.0533% | 7,450 |
| Noninterest expense to average assets | 2.0776% | 6,994 |
| Loan and lease loss provision to assets | 1.4117% | 845 |
| Net operating income to assets | -1.1809% | 7,207 |
| Return on assets (ROA) | -1.1809% | 7,225 |
| Pretax return on assets | -1.2075% | 7,150 |
| Return on Equity (ROE) | -7.7954% | 7,044 |
| Retained earnings to average equity (ytd only) | -7.7954% | 6,813 |
| Net charge-offs to loans | 1.0157% | 1,618 |
| Credit loss provision to net charge-offs | 318.0000% | 1,251 |
| Earnings coverage of net charge-offs (x) | 0.4600% | 4,613 |
| Efficiency ratio | 91.0506% | 1,348 |
| Assets per employee ($millions) | 7.6982% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 3,536 |
| Loan loss allowance to noncurrent loans | 13.7684% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 6.5319% | 871 |
| Noncurrent loans to loans | 11.4642% | 326 |
| Net loans and leases to total assets | 41.5792% | 7,152 |
| Net loans and leases to deposits | 48.7696% | 7,190 |
| Net loans and leases to core deposits | 48.7696% | 7,329 |
| Total domestic deposits to total assets | 85.2562% | 3,531 |
| Equity capital to assets | 14.6312% | 972 |
| Core capital (leverage) ratio | 14.6312% | 820 |
| Tier 1 risk-based capital ratio | 39.1836% | 265 |
| Total risk-based capital ratio | 40.4418% | 258 |
| Memoranda: | ||
| Average total assets | $45,051,500 | 6,909 |
| Average earning assets | $42,463,500 | 6,835 |
| Average equity | $6,824,500 | 6,248 |
| Average total loans | $19,690,500 | 7,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 7,534 |
| Cost of funding earning assets | 2.0137% | 2,899 |
| Net interest margin | 2.3200% | 7,575 |
| Noninterest income to average assets | 0.1648% | 6,894 |
| Noninterest expense to average assets | 2.2104% | 6,968 |
| Loan and lease loss provision to assets | -0.2611% | 8,001 |
| Net operating income to assets | 0.4461% | 3,943 |
| Return on assets (ROA) | 0.4461% | 4,065 |
| Pretax return on assets | 0.3853% | 4,535 |
| Return on Equity (ROE) | 2.5519% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.5519% | 3,364 |
| Net charge-offs to loans | -0.4325% | 7,940 |
| Credit loss provision to net charge-offs | 118.3908% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6797% | 1,369 |
| Assets per employee ($millions) | 7.3190% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 6,117 |
| Loan loss allowance to noncurrent loans | 7.9680% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 7.7310% | 606 |
| Noncurrent loans to loans | 13.2021% | 229 |
| Net loans and leases to total assets | 44.7670% | 7,070 |
| Net loans and leases to deposits | 53.2159% | 7,101 |
| Net loans and leases to core deposits | 53.2159% | 7,499 |
| Total domestic deposits to total assets | 84.1235% | 3,974 |
| Equity capital to assets | 15.6920% | 746 |
| Core capital (leverage) ratio | 15.6920% | 663 |
| Tier 1 risk-based capital ratio | 39.9432% | 252 |
| Total risk-based capital ratio | 41.1546% | 247 |
| Memoranda: | ||
| Average total assets | $39,449,400 | 7,119 |
| Average earning assets | $36,897,200 | 7,063 |
| Average equity | $6,896,800 | 6,301 |
| Average total loans | $20,113,800 | 7,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 7,483 |
| Cost of funding earning assets | 2.0090% | 3,312 |
| Net interest margin | 2.5159% | 7,448 |
| Noninterest income to average assets | 0.1461% | 7,129 |
| Noninterest expense to average assets | 2.2504% | 6,838 |
| Loan and lease loss provision to assets | -0.3757% | 8,090 |
| Net operating income to assets | 0.7026% | 3,198 |
| Return on assets (ROA) | 0.7026% | 3,256 |
| Pretax return on assets | 0.6191% | 4,132 |
| Return on Equity (ROE) | 3.9043% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.9043% | 3,110 |
| Net charge-offs to loans | -0.8195% | 8,035 |
| Credit loss provision to net charge-offs | 87.0968% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2371% | 1,667 |
| Assets per employee ($millions) | 6.9392% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 5,094 |
| Loan loss allowance to noncurrent loans | 10.7254% | 7,437 |
| Noncurrent assets plus other real estate owned to assets | 7.2559% | 638 |
| Noncurrent loans to loans | 11.2047% | 315 |
| Net loans and leases to total assets | 47.5874% | 6,993 |
| Net loans and leases to deposits | 57.2018% | 7,014 |
| Net loans and leases to core deposits | 57.2018% | 7,497 |
| Total domestic deposits to total assets | 83.1920% | 4,124 |
| Equity capital to assets | 16.6134% | 690 |
| Core capital (leverage) ratio | 16.6134% | 601 |
| Tier 1 risk-based capital ratio | 42.0282% | 251 |
| Total risk-based capital ratio | 43.2799% | 244 |
| Memoranda: | ||
| Average total assets | $38,333,250 | 7,222 |
| Average earning assets | $35,771,000 | 7,170 |
| Average equity | $6,898,250 | 6,353 |
| Average total loans | $20,175,250 | 7,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 7,453 |
| Cost of funding earning assets | 2.0226% | 3,667 |
| Net interest margin | 2.6352% | 7,314 |
| Noninterest income to average assets | 0.1719% | 7,059 |
| Noninterest expense to average assets | 2.4387% | 6,341 |
| Loan and lease loss provision to assets | -0.6070% | 8,188 |
| Net operating income to assets | 0.9185% | 2,383 |
| Return on assets (ROA) | 0.9185% | 2,478 |
| Pretax return on assets | 0.7896% | 3,705 |
| Return on Equity (ROE) | 4.9623% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.9623% | 2,534 |
| Net charge-offs to loans | -1.2663% | 8,128 |
| Credit loss provision to net charge-offs | 88.2813% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0328% | 1,564 |
| Assets per employee ($millions) | 6.5120% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 2,960 |
| Loan loss allowance to noncurrent loans | 14.2269% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 7.6014% | 518 |
| Noncurrent loans to loans | 10.8848% | 286 |
| Net loans and leases to total assets | 50.6040% | 6,817 |
| Net loans and leases to deposits | 61.5797% | 6,768 |
| Net loans and leases to core deposits | 61.5797% | 7,392 |
| Total domestic deposits to total assets | 82.1765% | 4,616 |
| Equity capital to assets | 17.6239% | 590 |
| Core capital (leverage) ratio | 17.6239% | 547 |
| Tier 1 risk-based capital ratio | 43.5520% | 246 |
| Total risk-based capital ratio | 44.8106% | 240 |
| Memoranda: | ||
| Average total assets | $37,232,670 | 7,327 |
| Average earning assets | $34,608,330 | 7,286 |
| Average equity | $6,892,000 | 6,408 |
| Average total loans | $20,215,670 | 7,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 7,398 |
| Cost of funding earning assets | 2.0767% | 3,759 |
| Net interest margin | 2.7020% | 7,205 |
| Noninterest income to average assets | 0.2423% | 6,519 |
| Noninterest expense to average assets | 3.1394% | 3,233 |
| Loan and lease loss provision to assets | -1.2447% | 8,242 |
| Net operating income to assets | 1.1346% | 1,853 |
| Return on assets (ROA) | 1.1346% | 1,968 |
| Pretax return on assets | 0.8702% | 3,827 |
| Return on Equity (ROE) | 5.9753% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.9753% | 2,638 |
| Net charge-offs to loans | -2.5244% | 8,181 |
| Credit loss provision to net charge-offs | 88.2813% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5458% | 740 |
| Assets per employee ($millions) | 6.1325% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 2,491 |
| Loan loss allowance to noncurrent loans | 14.8506% | 7,403 |
| Noncurrent assets plus other real estate owned to assets | 8.2104% | 348 |
| Noncurrent loans to loans | 10.8118% | 236 |
| Net loans and leases to total assets | 53.7954% | 6,488 |
| Net loans and leases to deposits | 66.1962% | 6,361 |
| Net loans and leases to core deposits | 66.1962% | 7,233 |
| Total domestic deposits to total assets | 81.2665% | 4,856 |
| Equity capital to assets | 18.5297% | 537 |
| Core capital (leverage) ratio | 18.5297% | 495 |
| Tier 1 risk-based capital ratio | 44.2497% | 261 |
| Total risk-based capital ratio | 45.5088% | 258 |
| Memoranda: | ||
| Average total assets | $36,313,000 | 7,403 |
| Average earning assets | $33,900,500 | 7,359 |
| Average equity | $6,895,000 | 6,447 |
| Average total loans | $20,282,000 | 7,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 7,778 |
| Cost of funding earning assets | 2.5025% | 4,195 |
| Net interest margin | 2.5890% | 7,651 |
| Noninterest income to average assets | 0.0953% | 7,657 |
| Noninterest expense to average assets | 2.1854% | 7,003 |
| Loan and lease loss provision to assets | 0.4175% | 3,196 |
| Net operating income to assets | -0.0756% | 6,475 |
| Return on assets (ROA) | -0.0756% | 6,321 |
| Pretax return on assets | -0.0756% | 6,242 |
| Return on Equity (ROE) | -0.3875% | 6,284 |
| Retained earnings to average equity (ytd only) | -0.3875% | 5,403 |
| Net charge-offs to loans | 0.3538% | 3,059 |
| Credit loss provision to net charge-offs | 201.3514% | 2,412 |
| Earnings coverage of net charge-offs (x) | 1.6486% | 5,261 |
| Efficiency ratio | 86.4745% | 1,805 |
| Assets per employee ($millions) | 5.9718% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 7,825 |
| Loan loss allowance to noncurrent loans | 5.3481% | 7,544 |
| Noncurrent assets plus other real estate owned to assets | 7.9875% | 293 |
| Noncurrent loans to loans | 9.6934% | 224 |
| Net loans and leases to total assets | 56.7693% | 6,353 |
| Net loans and leases to deposits | 71.0578% | 6,162 |
| Net loans and leases to core deposits | 71.0578% | 7,132 |
| Total domestic deposits to total assets | 79.8917% | 5,061 |
| Equity capital to assets | 19.4580% | 501 |
| Core capital (leverage) ratio | 19.4580% | 474 |
| Tier 1 risk-based capital ratio | 45.0766% | 261 |
| Total risk-based capital ratio | 45.7619% | 266 |
| Memoranda: | ||
| Average total assets | $35,690,800 | 7,398 |
| Average earning assets | $33,526,000 | 7,345 |
| Average equity | $6,967,200 | 6,468 |
| Average total loans | $20,913,200 | 7,268 |