Home > The National Bank of Harvey > Performance and Condition Ratios
The National Bank of Harvey, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1102% | 5,943 |
| Cost of funding earning assets | 0.4337% | 3,350 |
| Net interest margin | 2.6765% | 5,975 |
| Noninterest income to average assets | 0.3271% | 4,776 |
| Noninterest expense to average assets | 2.0864% | 5,606 |
| Loan and lease loss provision to assets | -0.2632% | 6,347 |
| Net operating income to assets | 0.9523% | 2,621 |
| Return on assets (ROA) | 0.9774% | 2,569 |
| Pretax return on assets | 0.9774% | 3,585 |
| Return on Equity (ROE) | 8.5192% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.7235% | 2,818 |
| Net charge-offs to loans | -0.6751% | 6,425 |
| Credit loss provision to net charge-offs | 109.6774% | 2,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1743% | 2,641 |
| Assets per employee ($millions) | 6.5031% | 1,047 |
| Cash dividends to net income (ytd only)* | 44.5545% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 2,114 |
| Loan loss allowance to noncurrent loans | 53.6723% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 2,700 |
| Noncurrent loans to loans | 2.9700% | 759 |
| Net loans and leases to total assets | 33.8184% | 6,044 |
| Net loans and leases to deposits | 38.6970% | 6,071 |
| Net loans and leases to core deposits | 39.3241% | 6,112 |
| Total domestic deposits to total assets | 87.3926% | 2,086 |
| Equity capital to assets | 11.8770% | 2,106 |
| Core capital (leverage) ratio | 11.4741% | 1,984 |
| Tier 1 risk-based capital ratio | 21.1727% | 1,367 |
| Total risk-based capital ratio | 22.2165% | 1,380 |
| Memoranda: | ||
| Average total assets | $51,667,000 | 5,750 |
| Average earning assets | $47,263,400 | 5,748 |
| Average equity | $5,927,800 | 5,636 |
| Average total loans | $18,368,000 | 6,027 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 5,993 |
| Cost of funding earning assets | 0.4453% | 3,309 |
| Net interest margin | 2.6802% | 6,029 |
| Noninterest income to average assets | 0.3490% | 4,650 |
| Noninterest expense to average assets | 2.1223% | 5,525 |
| Loan and lease loss provision to assets | -0.2197% | 6,407 |
| Net operating income to assets | 0.8738% | 3,055 |
| Return on assets (ROA) | 0.8841% | 3,097 |
| Pretax return on assets | 0.8841% | 4,061 |
| Return on Equity (ROE) | 7.7748% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.7748% | 1,459 |
| Net charge-offs to loans | -0.7355% | 6,500 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4432% | 2,422 |
| Assets per employee ($millions) | 5.5643% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 1,747 |
| Loan loss allowance to noncurrent loans | 397.4684% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 5,105 |
| Noncurrent loans to loans | 0.4466% | 4,561 |
| Net loans and leases to total assets | 34.6992% | 6,084 |
| Net loans and leases to deposits | 39.9444% | 6,119 |
| Net loans and leases to core deposits | 40.6213% | 6,163 |
| Total domestic deposits to total assets | 86.8687% | 2,387 |
| Equity capital to assets | 12.2946% | 1,834 |
| Core capital (leverage) ratio | 11.6992% | 1,909 |
| Tier 1 risk-based capital ratio | 21.4212% | 1,368 |
| Total risk-based capital ratio | 22.5726% | 1,359 |
| Memoranda: | ||
| Average total assets | $51,577,500 | 5,815 |
| Average earning assets | $46,711,750 | 5,822 |
| Average equity | $5,865,000 | 5,705 |
| Average total loans | $18,490,250 | 6,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 6,059 |
| Cost of funding earning assets | 0.4600% | 3,216 |
| Net interest margin | 2.6437% | 6,125 |
| Noninterest income to average assets | 0.3725% | 4,453 |
| Noninterest expense to average assets | 2.1929% | 5,432 |
| Loan and lease loss provision to assets | -0.3264% | 6,538 |
| Net operating income to assets | 0.8679% | 2,967 |
| Return on assets (ROA) | 0.8718% | 3,038 |
| Pretax return on assets | 0.8718% | 3,987 |
| Return on Equity (ROE) | 7.8715% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.8715% | 1,376 |
| Net charge-offs to loans | -0.7891% | 6,558 |
| Credit loss provision to net charge-offs | 114.8649% | 1,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1966% | 1,995 |
| Assets per employee ($millions) | 5.6317% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 2,110 |
| Loan loss allowance to noncurrent loans | 414.4928% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 5,288 |
| Noncurrent loans to loans | 0.4118% | 4,755 |
| Net loans and leases to total assets | 32.4928% | 6,225 |
| Net loans and leases to deposits | 37.2097% | 6,255 |
| Net loans and leases to core deposits | 37.2097% | 6,301 |
| Total domestic deposits to total assets | 87.3237% | 2,290 |
| Equity capital to assets | 11.8339% | 2,120 |
| Core capital (leverage) ratio | 10.8662% | 2,566 |
| Tier 1 risk-based capital ratio | 21.5695% | 1,332 |
| Total risk-based capital ratio | 22.6465% | 1,340 |
| Memoranda: | ||
| Average total assets | $52,077,000 | 5,853 |
| Average earning assets | $46,525,330 | 5,873 |
| Average equity | $5,767,670 | 5,759 |
| Average total loans | $18,756,670 | 6,130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 6,100 |
| Cost of funding earning assets | 0.4714% | 3,218 |
| Net interest margin | 2.6450% | 6,180 |
| Noninterest income to average assets | 0.3562% | 4,533 |
| Noninterest expense to average assets | 2.1223% | 5,639 |
| Loan and lease loss provision to assets | 0.1137% | 2,058 |
| Net operating income to assets | 0.4169% | 5,054 |
| Return on assets (ROA) | 0.4169% | 5,124 |
| Pretax return on assets | 0.4169% | 5,400 |
| Return on Equity (ROE) | 3.8921% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,781 |
| Net charge-offs to loans | 0.0405% | 2,818 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 952 |
| Efficiency ratio | 80.0000% | 2,209 |
| Assets per employee ($millions) | 6.0597% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,333 |
| Loan loss allowance to noncurrent loans | 13.0581% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 4.9618% | 412 |
| Noncurrent loans to loans | 13.0626% | 54 |
| Net loans and leases to total assets | 32.7557% | 6,238 |
| Net loans and leases to deposits | 36.9030% | 6,288 |
| Net loans and leases to core deposits | 37.9399% | 6,314 |
| Total domestic deposits to total assets | 88.7618% | 1,802 |
| Equity capital to assets | 10.5195% | 3,228 |
| Core capital (leverage) ratio | 10.3998% | 3,044 |
| Tier 1 risk-based capital ratio | 19.3656% | 1,867 |
| Total risk-based capital ratio | 20.4461% | 1,872 |
| Memoranda: | ||
| Average total assets | $52,773,000 | 5,890 |
| Average earning assets | $45,823,000 | 5,945 |
| Average equity | $5,652,500 | 5,831 |
| Average total loans | $19,757,500 | 6,143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 5,094 |
| Cost of funding earning assets | 0.5605% | 3,019 |
| Net interest margin | 3.1515% | 5,157 |
| Noninterest income to average assets | 0.2364% | 5,659 |
| Noninterest expense to average assets | 2.2964% | 5,395 |
| Loan and lease loss provision to assets | 0.5098% | 546 |
| Net operating income to assets | 0.1234% | 5,994 |
| Return on assets (ROA) | 0.3680% | 5,380 |
| Pretax return on assets | 0.3680% | 5,564 |
| Return on Equity (ROE) | 3.2193% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.2193% | 3,939 |
| Net charge-offs to loans | 3.2213% | 70 |
| Credit loss provision to net charge-offs | 34.7826% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.4320% | 4,939 |
| Efficiency ratio | 78.3860% | 2,405 |
| Assets per employee ($millions) | 5.6677% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,699 |
| Loan loss allowance to noncurrent loans | 11.4187% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 5.8029% | 340 |
| Noncurrent loans to loans | 12.1878% | 71 |
| Net loans and leases to total assets | 41.2555% | 5,874 |
| Net loans and leases to deposits | 46.7707% | 5,963 |
| Net loans and leases to core deposits | 47.8588% | 6,041 |
| Total domestic deposits to total assets | 88.2080% | 2,050 |
| Equity capital to assets | 10.9157% | 2,692 |
| Core capital (leverage) ratio | 11.5211% | 1,945 |
| Tier 1 risk-based capital ratio | 18.0420% | 2,237 |
| Total risk-based capital ratio | 19.0161% | 2,289 |
| Memoranda: | ||
| Average total assets | $48,641,800 | 6,047 |
| Average earning assets | $41,567,200 | 6,124 |
| Average equity | $5,560,200 | 5,914 |
| Average total loans | $22,133,600 | 6,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 5,521 |
| Cost of funding earning assets | 0.5775% | 3,021 |
| Net interest margin | 2.9939% | 5,612 |
| Noninterest income to average assets | 0.3330% | 5,027 |
| Noninterest expense to average assets | 2.3697% | 5,119 |
| Loan and lease loss provision to assets | 0.6465% | 350 |
| Net operating income to assets | -0.1082% | 6,390 |
| Return on assets (ROA) | 0.2220% | 5,940 |
| Pretax return on assets | 0.2220% | 6,008 |
| Return on Equity (ROE) | 1.9189% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.9189% | 5,170 |
| Net charge-offs to loans | 4.1853% | 40 |
| Credit loss provision to net charge-offs | 33.2382% | 3,836 |
| Earnings coverage of net charge-offs (x) | 0.2767% | 4,768 |
| Efficiency ratio | 81.4885% | 1,900 |
| Assets per employee ($millions) | 5.1670% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,066 |
| Loan loss allowance to noncurrent loans | 11.2257% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 6.4017% | 345 |
| Noncurrent loans to loans | 12.1413% | 80 |
| Net loans and leases to total assets | 45.7540% | 5,570 |
| Net loans and leases to deposits | 53.0890% | 5,624 |
| Net loans and leases to core deposits | 54.8999% | 5,703 |
| Total domestic deposits to total assets | 86.1837% | 3,144 |
| Equity capital to assets | 11.6724% | 2,151 |
| Core capital (leverage) ratio | 11.5656% | 1,988 |
| Tier 1 risk-based capital ratio | 19.6407% | 1,830 |
| Total risk-based capital ratio | 20.7098% | 1,844 |
| Memoranda: | ||
| Average total assets | $48,050,000 | 6,136 |
| Average earning assets | $41,326,750 | 6,203 |
| Average equity | $5,558,250 | 5,986 |
| Average total loans | $22,331,750 | 6,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3032% | 6,084 |
| Cost of funding earning assets | 0.5905% | 3,029 |
| Net interest margin | 2.7127% | 6,160 |
| Noninterest income to average assets | 0.4695% | 4,030 |
| Noninterest expense to average assets | 2.4256% | 4,980 |
| Loan and lease loss provision to assets | 0.8236% | 256 |
| Net operating income to assets | -0.4530% | 6,621 |
| Return on assets (ROA) | 0.0371% | 6,332 |
| Pretax return on assets | 0.0371% | 6,317 |
| Return on Equity (ROE) | 0.3213% | 6,335 |
| Retained earnings to average equity (ytd only) | 0.3213% | 5,763 |
| Net charge-offs to loans | 6.2164% | 23 |
| Credit loss provision to net charge-offs | 28.4900% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.1282% | 4,501 |
| Efficiency ratio | 86.7452% | 1,342 |
| Assets per employee ($millions) | 3.8379% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 5,073 |
| Loan loss allowance to noncurrent loans | 10.1841% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 6.3381% | 410 |
| Noncurrent loans to loans | 11.6241% | 96 |
| Net loans and leases to total assets | 47.1241% | 5,417 |
| Net loans and leases to deposits | 54.0844% | 5,513 |
| Net loans and leases to core deposits | 55.9269% | 5,600 |
| Total domestic deposits to total assets | 87.1306% | 2,743 |
| Equity capital to assets | 11.8358% | 2,022 |
| Core capital (leverage) ratio | 10.7207% | 2,649 |
| Tier 1 risk-based capital ratio | 20.4898% | 1,609 |
| Total risk-based capital ratio | 21.4893% | 1,645 |
| Memoranda: | ||
| Average total assets | $48,565,670 | 6,157 |
| Average earning assets | $41,656,330 | 6,235 |
| Average equity | $5,601,670 | 6,017 |
| Average total loans | $22,585,330 | 6,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 5,993 |
| Cost of funding earning assets | 0.5799% | 3,294 |
| Net interest margin | 2.7964% | 6,042 |
| Noninterest income to average assets | 0.1927% | 6,098 |
| Noninterest expense to average assets | 2.2400% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3533% | 5,335 |
| Return on assets (ROA) | 0.3533% | 5,476 |
| Pretax return on assets | 0.3533% | 5,708 |
| Return on Equity (ROE) | 3.1002% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.1002% | 4,421 |
| Net charge-offs to loans | -0.2446% | 6,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3777% | 1,469 |
| Assets per employee ($millions) | 4.5733% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5821% | 393 |
| Loan loss allowance to noncurrent loans | 23.3946% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 7.3291% | 370 |
| Noncurrent loans to loans | 15.3118% | 70 |
| Net loans and leases to total assets | 41.5199% | 5,879 |
| Net loans and leases to deposits | 47.3725% | 5,972 |
| Net loans and leases to core deposits | 48.8356% | 6,047 |
| Total domestic deposits to total assets | 87.6456% | 2,544 |
| Equity capital to assets | 11.4400% | 2,472 |
| Core capital (leverage) ratio | 10.7597% | 2,488 |
| Tier 1 risk-based capital ratio | 20.8536% | 1,572 |
| Total risk-based capital ratio | 22.1246% | 1,539 |
| Memoranda: | ||
| Average total assets | $49,821,000 | 6,188 |
| Average earning assets | $42,769,000 | 6,255 |
| Average equity | $5,677,000 | 6,055 |
| Average total loans | $22,896,500 | 6,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 4,960 |
| Cost of funding earning assets | 0.6990% | 3,502 |
| Net interest margin | 3.3978% | 4,891 |
| Noninterest income to average assets | 0.2605% | 5,601 |
| Noninterest expense to average assets | 2.6664% | 4,521 |
| Loan and lease loss provision to assets | 0.4749% | 1,300 |
| Net operating income to assets | 0.0609% | 6,069 |
| Return on assets (ROA) | 0.0609% | 6,217 |
| Pretax return on assets | 0.0609% | 6,211 |
| Return on Equity (ROE) | 0.5311% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.5311% | 5,582 |
| Net charge-offs to loans | -0.0211% | 6,560 |
| Credit loss provision to net charge-offs | -4,520.0000% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2677% | 1,711 |
| Assets per employee ($millions) | 4.4851% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 575 |
| Loan loss allowance to noncurrent loans | 21.8213% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 7.8280% | 366 |
| Noncurrent loans to loans | 14.4716% | 85 |
| Net loans and leases to total assets | 47.3650% | 5,473 |
| Net loans and leases to deposits | 54.0588% | 5,642 |
| Net loans and leases to core deposits | 55.7616% | 5,730 |
| Total domestic deposits to total assets | 87.6176% | 2,471 |
| Equity capital to assets | 11.3487% | 2,583 |
| Core capital (leverage) ratio | 11.1828% | 2,098 |
| Tier 1 risk-based capital ratio | 19.7426% | 1,739 |
| Total risk-based capital ratio | 21.0112% | 1,708 |
| Memoranda: | ||
| Average total assets | $47,592,200 | 6,276 |
| Average earning assets | $41,203,200 | 6,324 |
| Average equity | $5,460,400 | 6,160 |
| Average total loans | $23,710,000 | 6,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 5,268 |
| Cost of funding earning assets | 0.7282% | 3,536 |
| Net interest margin | 3.3515% | 5,213 |
| Noninterest income to average assets | 0.2743% | 5,588 |
| Noninterest expense to average assets | 2.6436% | 4,595 |
| Loan and lease loss provision to assets | 0.6107% | 888 |
| Net operating income to assets | -0.0650% | 6,358 |
| Return on assets (ROA) | -0.0650% | 6,474 |
| Pretax return on assets | -0.0650% | 6,456 |
| Return on Equity (ROE) | -0.5653% | 6,469 |
| Retained earnings to average equity (ytd only) | -0.5653% | 6,192 |
| Net charge-offs to loans | -0.0113% | 6,382 |
| Credit loss provision to net charge-offs | -10,800.0000% | 6,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8901% | 1,713 |
| Assets per employee ($millions) | 4.3349% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8382% | 856 |
| Loan loss allowance to noncurrent loans | 25.4502% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 6.9667% | 518 |
| Noncurrent loans to loans | 11.1520% | 196 |
| Net loans and leases to total assets | 53.7728% | 4,783 |
| Net loans and leases to deposits | 64.3874% | 4,670 |
| Net loans and leases to core deposits | 66.5931% | 4,889 |
| Total domestic deposits to total assets | 83.5144% | 4,427 |
| Equity capital to assets | 11.5552% | 2,695 |
| Core capital (leverage) ratio | 11.0221% | 2,360 |
| Tier 1 risk-based capital ratio | 18.3171% | 2,226 |
| Total risk-based capital ratio | 19.5822% | 2,193 |
| Memoranda: | ||
| Average total assets | $47,156,250 | 6,361 |
| Average earning assets | $41,015,500 | 6,399 |
| Average equity | $5,425,750 | 6,237 |
| Average total loans | $23,605,000 | 6,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 5,754 |
| Cost of funding earning assets | 0.7648% | 3,481 |
| Net interest margin | 3.1965% | 5,751 |
| Noninterest income to average assets | 0.2980% | 5,422 |
| Noninterest expense to average assets | 2.4563% | 5,276 |
| Loan and lease loss provision to assets | 0.9195% | 504 |
| Net operating income to assets | -0.3023% | 6,617 |
| Return on assets (ROA) | -0.3023% | 6,677 |
| Pretax return on assets | -0.3023% | 6,643 |
| Return on Equity (ROE) | -2.6308% | 6,654 |
| Retained earnings to average equity (ytd only) | -2.6308% | 6,423 |
| Net charge-offs to loans | -0.0176% | 6,399 |
| Credit loss provision to net charge-offs | -10,800.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9169% | 2,195 |
| Assets per employee ($millions) | 4.1437% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0633% | 733 |
| Loan loss allowance to noncurrent loans | 27.0300% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 7.0556% | 552 |
| Noncurrent loans to loans | 11.3329% | 197 |
| Net loans and leases to total assets | 51.9997% | 5,099 |
| Net loans and leases to deposits | 60.5431% | 5,191 |
| Net loans and leases to core deposits | 62.6540% | 5,336 |
| Total domestic deposits to total assets | 85.8889% | 3,409 |
| Equity capital to assets | 11.9041% | 2,217 |
| Core capital (leverage) ratio | 10.8347% | 2,450 |
| Tier 1 risk-based capital ratio | 19.2339% | 1,908 |
| Total risk-based capital ratio | 20.5046% | 1,874 |
| Memoranda: | ||
| Average total assets | $46,980,330 | 6,408 |
| Average earning assets | $40,794,670 | 6,453 |
| Average equity | $5,397,670 | 6,266 |
| Average total loans | $22,676,670 | 6,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 6,167 |
| Cost of funding earning assets | 0.7870% | 3,568 |
| Net interest margin | 3.0509% | 6,180 |
| Noninterest income to average assets | 0.2013% | 6,186 |
| Noninterest expense to average assets | 2.3574% | 5,603 |
| Loan and lease loss provision to assets | 1.8121% | 174 |
| Net operating income to assets | -1.3339% | 7,061 |
| Return on assets (ROA) | -1.3339% | 7,076 |
| Pretax return on assets | -1.3339% | 7,052 |
| Return on Equity (ROE) | -11.8139% | 7,025 |
| Retained earnings to average equity (ytd only) | -11.8139% | 6,896 |
| Net charge-offs to loans | -0.0367% | 6,423 |
| Credit loss provision to net charge-offs | -10,800.0000% | 6,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1361% | 1,780 |
| Assets per employee ($millions) | 4.4233% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4041% | 574 |
| Loan loss allowance to noncurrent loans | 25.3041% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 7.0248% | 610 |
| Noncurrent loans to loans | 13.4527% | 154 |
| Net loans and leases to total assets | 43.6822% | 6,041 |
| Net loans and leases to deposits | 49.5766% | 6,171 |
| Net loans and leases to core deposits | 51.1479% | 6,264 |
| Total domestic deposits to total assets | 88.1104% | 2,242 |
| Equity capital to assets | 10.9318% | 2,992 |
| Core capital (leverage) ratio | 10.6060% | 2,640 |
| Tier 1 risk-based capital ratio | 19.4241% | 1,860 |
| Total risk-based capital ratio | 20.6917% | 1,822 |
| Memoranda: | ||
| Average total assets | $47,680,000 | 6,443 |
| Average earning assets | $41,168,000 | 6,485 |
| Average equity | $5,383,500 | 6,309 |
| Average total loans | $21,789,500 | 6,524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 4,906 |
| Cost of funding earning assets | 1.0272% | 3,180 |
| Net interest margin | 3.5152% | 5,090 |
| Noninterest income to average assets | 0.2592% | 5,681 |
| Noninterest expense to average assets | 2.5510% | 5,289 |
| Loan and lease loss provision to assets | 0.4428% | 2,382 |
| Net operating income to assets | 0.2959% | 5,274 |
| Return on assets (ROA) | 0.2959% | 5,427 |
| Pretax return on assets | 0.2959% | 5,564 |
| Return on Equity (ROE) | 2.5848% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.5848% | 4,385 |
| Net charge-offs to loans | 1.6129% | 974 |
| Credit loss provision to net charge-offs | 56.6298% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.9448% | 5,097 |
| Efficiency ratio | 77.5443% | 2,652 |
| Assets per employee ($millions) | 4.2458% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 1,371 |
| Loan loss allowance to noncurrent loans | 19.1145% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 7.1257% | 640 |
| Noncurrent loans to loans | 12.8754% | 177 |
| Net loans and leases to total assets | 45.0604% | 6,103 |
| Net loans and leases to deposits | 51.7089% | 6,238 |
| Net loans and leases to core deposits | 53.4381% | 6,343 |
| Total domestic deposits to total assets | 87.1424% | 2,676 |
| Equity capital to assets | 11.6650% | 2,366 |
| Core capital (leverage) ratio | 11.3601% | 1,996 |
| Tier 1 risk-based capital ratio | 20.5298% | 1,515 |
| Total risk-based capital ratio | 21.7904% | 1,477 |
| Memoranda: | ||
| Average total assets | $46,295,200 | 6,474 |
| Average earning assets | $39,912,800 | 6,531 |
| Average equity | $5,300,200 | 6,347 |
| Average total loans | $22,444,000 | 6,533 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 4,997 |
| Cost of funding earning assets | 1.0762% | 3,137 |
| Net interest margin | 3.4950% | 5,212 |
| Noninterest income to average assets | 0.2771% | 5,634 |
| Noninterest expense to average assets | 2.5573% | 5,248 |
| Loan and lease loss provision to assets | 0.3088% | 3,055 |
| Net operating income to assets | 0.4387% | 4,822 |
| Return on assets (ROA) | 0.4387% | 5,016 |
| Pretax return on assets | 0.4387% | 5,344 |
| Return on Equity (ROE) | 3.8505% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.8505% | 3,989 |
| Net charge-offs to loans | 2.0887% | 594 |
| Credit loss provision to net charge-offs | 30.1408% | 5,412 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 5,067 |
| Efficiency ratio | 77.3799% | 2,629 |
| Assets per employee ($millions) | 4.1449% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 2,401 |
| Loan loss allowance to noncurrent loans | 13.4024% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 8.2292% | 525 |
| Noncurrent loans to loans | 14.7385% | 146 |
| Net loans and leases to total assets | 47.8901% | 5,968 |
| Net loans and leases to deposits | 55.1514% | 6,111 |
| Net loans and leases to core deposits | 57.0462% | 6,219 |
| Total domestic deposits to total assets | 86.8338% | 2,753 |
| Equity capital to assets | 11.9753% | 2,268 |
| Core capital (leverage) ratio | 11.6847% | 1,897 |
| Tier 1 risk-based capital ratio | 20.3333% | 1,606 |
| Total risk-based capital ratio | 21.5897% | 1,575 |
| Memoranda: | ||
| Average total assets | $46,193,000 | 6,534 |
| Average earning assets | $40,017,500 | 6,587 |
| Average equity | $5,263,250 | 6,413 |
| Average total loans | $22,661,000 | 6,591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 4,750 |
| Cost of funding earning assets | 1.1431% | 2,942 |
| Net interest margin | 3.5091% | 5,116 |
| Noninterest income to average assets | 0.2673% | 5,739 |
| Noninterest expense to average assets | 2.6039% | 5,167 |
| Loan and lease loss provision to assets | 0.2931% | 3,053 |
| Net operating income to assets | 0.4009% | 4,935 |
| Return on assets (ROA) | 0.4009% | 5,095 |
| Pretax return on assets | 0.4009% | 5,389 |
| Return on Equity (ROE) | 3.5785% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,956 |
| Net charge-offs to loans | 3.1154% | 320 |
| Credit loss provision to net charge-offs | 19.1549% | 5,141 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 4,962 |
| Efficiency ratio | 78.9542% | 2,568 |
| Assets per employee ($millions) | 4.0502% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 3,040 |
| Loan loss allowance to noncurrent loans | 43.4453% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.8775% | 2,335 |
| Noncurrent loans to loans | 4.1093% | 1,669 |
| Net loans and leases to total assets | 49.5152% | 5,883 |
| Net loans and leases to deposits | 58.8675% | 5,838 |
| Net loans and leases to core deposits | 61.0066% | 6,001 |
| Total domestic deposits to total assets | 84.1129% | 4,300 |
| Equity capital to assets | 12.0825% | 2,041 |
| Core capital (leverage) ratio | 11.3593% | 2,005 |
| Tier 1 risk-based capital ratio | 20.2102% | 1,569 |
| Total risk-based capital ratio | 21.4654% | 1,545 |
| Memoranda: | ||
| Average total assets | $46,392,670 | 6,585 |
| Average earning assets | $40,067,330 | 6,637 |
| Average equity | $5,197,670 | 6,466 |
| Average total loans | $22,789,670 | 6,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 4,659 |
| Cost of funding earning assets | 1.1816% | 2,932 |
| Net interest margin | 3.4851% | 5,077 |
| Noninterest income to average assets | 0.2452% | 5,934 |
| Noninterest expense to average assets | 2.4518% | 5,732 |
| Loan and lease loss provision to assets | 0.3635% | 2,381 |
| Net operating income to assets | 0.3974% | 4,960 |
| Return on assets (ROA) | 0.3974% | 5,053 |
| Pretax return on assets | 0.3974% | 5,352 |
| Return on Equity (ROE) | 3.6827% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.6827% | 3,967 |
| Net charge-offs to loans | 0.4705% | 2,293 |
| Credit loss provision to net charge-offs | 159.2593% | 1,803 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,773 |
| Efficiency ratio | 76.3158% | 3,106 |
| Assets per employee ($millions) | 4.1876% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2469% | 747 |
| Loan loss allowance to noncurrent loans | 39.3956% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.5502% | 1,419 |
| Noncurrent loans to loans | 8.2419% | 586 |
| Net loans and leases to total assets | 45.5410% | 6,328 |
| Net loans and leases to deposits | 52.5857% | 6,432 |
| Net loans and leases to core deposits | 56.4410% | 6,375 |
| Total domestic deposits to total assets | 86.6034% | 3,181 |
| Equity capital to assets | 11.1258% | 2,563 |
| Core capital (leverage) ratio | 10.6496% | 2,472 |
| Tier 1 risk-based capital ratio | 19.5994% | 1,675 |
| Total risk-based capital ratio | 20.8690% | 1,641 |
| Memoranda: | ||
| Average total assets | $47,313,000 | 6,604 |
| Average earning assets | $40,286,000 | 6,677 |
| Average equity | $5,105,000 | 6,516 |
| Average total loans | $22,954,000 | 6,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 5,330 |
| Cost of funding earning assets | 1.4477% | 2,969 |
| Net interest margin | 3.3779% | 5,707 |
| Noninterest income to average assets | 0.2662% | 5,883 |
| Noninterest expense to average assets | 2.2229% | 6,559 |
| Loan and lease loss provision to assets | 1.7721% | 787 |
| Net operating income to assets | -0.7636% | 6,559 |
| Return on assets (ROA) | -0.7326% | 6,571 |
| Pretax return on assets | -0.7326% | 6,477 |
| Return on Equity (ROE) | -7.3141% | 6,571 |
| Retained earnings to average equity (ytd only) | -7.3141% | 6,479 |
| Net charge-offs to loans | 3.4929% | 406 |
| Credit loss provision to net charge-offs | 99.3464% | 4,657 |
| Earnings coverage of net charge-offs (x) | 0.5654% | 5,543 |
| Efficiency ratio | 68.7913% | 4,407 |
| Assets per employee ($millions) | 4.4147% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8399% | 1,009 |
| Loan loss allowance to noncurrent loans | 35.6477% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 4.6147% | 1,446 |
| Noncurrent loans to loans | 7.9666% | 651 |
| Net loans and leases to total assets | 48.4700% | 6,343 |
| Net loans and leases to deposits | 58.7129% | 6,187 |
| Net loans and leases to core deposits | 62.9914% | 6,151 |
| Total domestic deposits to total assets | 82.5543% | 4,995 |
| Equity capital to assets | 10.4712% | 3,184 |
| Core capital (leverage) ratio | 10.0075% | 3,083 |
| Tier 1 risk-based capital ratio | 17.7135% | 2,087 |
| Total risk-based capital ratio | 18.9762% | 2,054 |
| Memoranda: | ||
| Average total assets | $51,463,800 | 6,484 |
| Average earning assets | $45,176,200 | 6,534 |
| Average equity | $5,154,400 | 6,618 |
| Average total loans | $26,282,000 | 6,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 5,744 |
| Cost of funding earning assets | 1.4989% | 2,991 |
| Net interest margin | 3.2785% | 6,088 |
| Noninterest income to average assets | 0.2478% | 6,119 |
| Noninterest expense to average assets | 2.2380% | 6,501 |
| Loan and lease loss provision to assets | 1.9339% | 626 |
| Net operating income to assets | -1.0296% | 6,920 |
| Return on assets (ROA) | -0.9887% | 6,941 |
| Pretax return on assets | -0.9887% | 6,855 |
| Return on Equity (ROE) | -9.9771% | 6,931 |
| Retained earnings to average equity (ytd only) | -9.9771% | 6,881 |
| Net charge-offs to loans | 4.5677% | 215 |
| Credit loss provision to net charge-offs | 82.4619% | 5,054 |
| Earnings coverage of net charge-offs (x) | 0.3856% | 5,643 |
| Efficiency ratio | 71.2195% | 3,847 |
| Assets per employee ($millions) | 4.9778% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 2,123 |
| Loan loss allowance to noncurrent loans | 30.2154% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 4.1685% | 1,647 |
| Noncurrent loans to loans | 6.7460% | 865 |
| Net loans and leases to total assets | 51.4605% | 6,162 |
| Net loans and leases to deposits | 62.1989% | 6,100 |
| Net loans and leases to core deposits | 85.7698% | 3,692 |
| Total domestic deposits to total assets | 82.7353% | 4,704 |
| Equity capital to assets | 10.2053% | 3,875 |
| Core capital (leverage) ratio | 9.4867% | 3,926 |
| Tier 1 risk-based capital ratio | 16.7742% | 2,419 |
| Total risk-based capital ratio | 18.0304% | 2,383 |
| Memoranda: | ||
| Average total assets | $52,189,250 | 6,531 |
| Average earning assets | $46,077,000 | 6,590 |
| Average equity | $5,171,750 | 6,689 |
| Average total loans | $26,796,000 | 6,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 5,767 |
| Cost of funding earning assets | 1.5515% | 2,948 |
| Net interest margin | 3.2568% | 6,144 |
| Noninterest income to average assets | 0.1963% | 6,496 |
| Noninterest expense to average assets | 2.2418% | 6,537 |
| Loan and lease loss provision to assets | 2.7589% | 384 |
| Net operating income to assets | -1.9286% | 7,285 |
| Return on assets (ROA) | -1.8682% | 7,283 |
| Pretax return on assets | -1.8682% | 7,200 |
| Return on Equity (ROE) | -19.0299% | 7,258 |
| Retained earnings to average equity (ytd only) | -19.0299% | 7,234 |
| Net charge-offs to loans | 2.0213% | 899 |
| Credit loss provision to net charge-offs | 267.7656% | 1,411 |
| Earnings coverage of net charge-offs (x) | 0.8059% | 4,966 |
| Efficiency ratio | 72.9730% | 3,664 |
| Assets per employee ($millions) | 4.5995% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2326% | 311 |
| Loan loss allowance to noncurrent loans | 37.6717% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 6.8348% | 785 |
| Noncurrent loans to loans | 11.2356% | 349 |
| Net loans and leases to total assets | 51.5180% | 6,265 |
| Net loans and leases to deposits | 63.3291% | 6,105 |
| Net loans and leases to core deposits | 65.6549% | 6,274 |
| Total domestic deposits to total assets | 81.3496% | 5,271 |
| Equity capital to assets | 9.8016% | 4,262 |
| Core capital (leverage) ratio | 9.2852% | 4,147 |
| Tier 1 risk-based capital ratio | 16.1438% | 2,608 |
| Total risk-based capital ratio | 17.4236% | 2,558 |
| Memoranda: | ||
| Average total assets | $52,993,000 | 6,551 |
| Average earning assets | $46,794,000 | 6,597 |
| Average equity | $5,202,330 | 6,710 |
| Average total loans | $27,011,670 | 6,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 6,259 |
| Cost of funding earning assets | 1.6491% | 2,657 |
| Net interest margin | 3.0457% | 6,725 |
| Noninterest income to average assets | 0.2288% | 6,321 |
| Noninterest expense to average assets | 2.3250% | 6,317 |
| Loan and lease loss provision to assets | 2.3250% | 461 |
| Net operating income to assets | -1.7493% | 7,401 |
| Return on assets (ROA) | -1.6460% | 7,375 |
| Pretax return on assets | -1.6460% | 7,302 |
| Return on Equity (ROE) | -16.7543% | 7,363 |
| Retained earnings to average equity (ytd only) | -16.7543% | 7,271 |
| Net charge-offs to loans | 2.0960% | 815 |
| Credit loss provision to net charge-offs | 223.4043% | 1,691 |
| Earnings coverage of net charge-offs (x) | 0.5532% | 4,539 |
| Efficiency ratio | 80.1527% | 2,546 |
| Assets per employee ($millions) | 4.7074% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4085% | 578 |
| Loan loss allowance to noncurrent loans | 33.5913% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 5.3186% | 1,176 |
| Noncurrent loans to loans | 10.1469% | 412 |
| Net loans and leases to total assets | 47.5039% | 6,717 |
| Net loans and leases to deposits | 56.4148% | 6,740 |
| Net loans and leases to core deposits | 65.7191% | 6,311 |
| Total domestic deposits to total assets | 84.2046% | 4,047 |
| Equity capital to assets | 10.1060% | 3,741 |
| Core capital (leverage) ratio | 9.2817% | 4,084 |
| Tier 1 risk-based capital ratio | 17.7598% | 2,003 |
| Total risk-based capital ratio | 19.0331% | 1,968 |
| Memoranda: | ||
| Average total assets | $54,192,500 | 6,599 |
| Average earning assets | $47,542,500 | 6,646 |
| Average equity | $5,324,000 | 6,732 |
| Average total loans | $26,909,000 | 6,777 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 6,591 |
| Cost of funding earning assets | 2.0999% | 2,462 |
| Net interest margin | 2.8470% | 6,978 |
| Noninterest income to average assets | 0.2322% | 6,453 |
| Noninterest expense to average assets | 2.7883% | 5,023 |
| Loan and lease loss provision to assets | 3.2706% | 495 |
| Net operating income to assets | -3.2804% | 7,459 |
| Return on assets (ROA) | -3.2414% | 7,452 |
| Pretax return on assets | -3.2381% | 7,356 |
| Return on Equity (ROE) | -36.4899% | 7,516 |
| Retained earnings to average equity (ytd only) | -36.4899% | 7,502 |
| Net charge-offs to loans | 5.4731% | 210 |
| Credit loss provision to net charge-offs | 119.1716% | 4,507 |
| Earnings coverage of net charge-offs (x) | -0.0024% | 6,200 |
| Efficiency ratio | 100.2335% | 1,086 |
| Assets per employee ($millions) | 5.1458% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4478% | 1,293 |
| Loan loss allowance to noncurrent loans | 23.0182% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 5.7151% | 1,010 |
| Noncurrent loans to loans | 10.6342% | 364 |
| Net loans and leases to total assets | 48.8623% | 6,742 |
| Net loans and leases to deposits | 62.1724% | 6,452 |
| Net loans and leases to core deposits | 81.1014% | 5,990 |
| Total domestic deposits to total assets | 78.5916% | 6,094 |
| Equity capital to assets | 9.5665% | 4,329 |
| Core capital (leverage) ratio | 9.0168% | 4,389 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,309 |
| Total risk-based capital ratio | 17.7881% | 2,253 |
| Memoranda: | ||
| Average total assets | $61,578,400 | 6,290 |
| Average earning assets | $55,145,000 | 6,330 |
| Average equity | $5,470,000 | 6,780 |
| Average total loans | $30,878,400 | 6,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 6,706 |
| Cost of funding earning assets | 2.1564% | 2,621 |
| Net interest margin | 2.8109% | 7,039 |
| Noninterest income to average assets | 0.2038% | 6,762 |
| Noninterest expense to average assets | 2.0990% | 7,199 |
| Loan and lease loss provision to assets | 3.0456% | 475 |
| Net operating income to assets | -2.4110% | 7,448 |
| Return on assets (ROA) | -2.3664% | 7,425 |
| Pretax return on assets | -2.3622% | 7,305 |
| Return on Equity (ROE) | -27.1097% | 7,550 |
| Retained earnings to average equity (ytd only) | -27.1097% | 7,534 |
| Net charge-offs to loans | 4.2906% | 308 |
| Credit loss provision to net charge-offs | 141.5187% | 3,470 |
| Earnings coverage of net charge-offs (x) | 0.2968% | 5,722 |
| Efficiency ratio | 76.6667% | 3,387 |
| Assets per employee ($millions) | 5.2446% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5947% | 972 |
| Loan loss allowance to noncurrent loans | 21.3495% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 7.8643% | 556 |
| Noncurrent loans to loans | 12.1535% | 261 |
| Net loans and leases to total assets | 51.4708% | 6,656 |
| Net loans and leases to deposits | 76.3597% | 4,975 |
| Net loans and leases to core deposits | 92.1115% | 5,223 |
| Total domestic deposits to total assets | 67.4057% | 7,614 |
| Equity capital to assets | 8.6062% | 6,109 |
| Core capital (leverage) ratio | 7.7372% | 6,680 |
| Tier 1 risk-based capital ratio | 13.8634% | 3,622 |
| Total risk-based capital ratio | 15.1271% | 3,561 |
| Memoranda: | ||
| Average total assets | $62,822,000 | 6,284 |
| Average earning assets | $56,635,500 | 6,309 |
| Average equity | $5,483,750 | 6,853 |
| Average total loans | $31,510,000 | 6,594 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 7,004 |
| Cost of funding earning assets | 2.1878% | 2,848 |
| Net interest margin | 2.7245% | 7,153 |
| Noninterest income to average assets | 0.2045% | 6,828 |
| Noninterest expense to average assets | 2.1695% | 7,125 |
| Loan and lease loss provision to assets | 4.2924% | 274 |
| Net operating income to assets | -3.8337% | 7,807 |
| Return on assets (ROA) | -3.8337% | 7,804 |
| Pretax return on assets | -3.8027% | 7,715 |
| Return on Equity (ROE) | -43.7360% | 7,873 |
| Retained earnings to average equity (ytd only) | -43.7360% | 7,859 |
| Net charge-offs to loans | 5.8145% | 197 |
| Credit loss provision to net charge-offs | 149.5680% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.1706% | 5,502 |
| Efficiency ratio | 81.5851% | 2,782 |
| Assets per employee ($millions) | 5.8165% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6802% | 763 |
| Loan loss allowance to noncurrent loans | 20.9927% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 7.4241% | 541 |
| Noncurrent loans to loans | 12.7675% | 189 |
| Net loans and leases to total assets | 47.0468% | 7,123 |
| Net loans and leases to deposits | 76.6143% | 5,079 |
| Net loans and leases to core deposits | 96.8438% | 4,807 |
| Total domestic deposits to total assets | 61.4073% | 7,910 |
| Equity capital to assets | 7.5757% | 7,203 |
| Core capital (leverage) ratio | 7.3313% | 7,209 |
| Tier 1 risk-based capital ratio | 13.0960% | 4,075 |
| Total risk-based capital ratio | 14.3561% | 3,984 |
| Memoranda: | ||
| Average total assets | $64,532,330 | 6,280 |
| Average earning assets | $58,139,330 | 6,306 |
| Average equity | $5,656,670 | 6,849 |
| Average total loans | $31,851,670 | 6,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 7,245 |
| Cost of funding earning assets | 2.2779% | 2,805 |
| Net interest margin | 2.5916% | 7,380 |
| Noninterest income to average assets | 0.2037% | 6,833 |
| Noninterest expense to average assets | 1.6233% | 7,893 |
| Loan and lease loss provision to assets | 0.4567% | 2,642 |
| Net operating income to assets | 0.4382% | 4,707 |
| Return on assets (ROA) | 0.4382% | 4,882 |
| Pretax return on assets | 0.4691% | 5,177 |
| Return on Equity (ROE) | 4.6853% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.6853% | 3,314 |
| Net charge-offs to loans | 0.9779% | 1,374 |
| Credit loss provision to net charge-offs | 93.6709% | 3,931 |
| Earnings coverage of net charge-offs (x) | 1.8987% | 3,769 |
| Efficiency ratio | 63.6804% | 5,750 |
| Assets per employee ($millions) | 5.7634% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,877 |
| Loan loss allowance to noncurrent loans | 14.1309% | 7,429 |
| Noncurrent assets plus other real estate owned to assets | 4.8472% | 954 |
| Noncurrent loans to loans | 8.4112% | 410 |
| Net loans and leases to total assets | 47.8635% | 7,038 |
| Net loans and leases to deposits | 77.0720% | 5,078 |
| Net loans and leases to core deposits | 94.3474% | 5,125 |
| Total domestic deposits to total assets | 62.1023% | 7,910 |
| Equity capital to assets | 9.6629% | 4,433 |
| Core capital (leverage) ratio | 9.2040% | 4,391 |
| Tier 1 risk-based capital ratio | 16.7569% | 2,419 |
| Total risk-based capital ratio | 17.7648% | 2,448 |
| Memoranda: | ||
| Average total assets | $64,808,000 | 6,298 |
| Average earning assets | $58,651,000 | 6,317 |
| Average equity | $6,061,500 | 6,737 |
| Average total loans | $32,312,500 | 6,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 5,996 |
| Cost of funding earning assets | 3.1290% | 1,419 |
| Net interest margin | 2.7800% | 7,367 |
| Noninterest income to average assets | 0.2897% | 6,392 |
| Noninterest expense to average assets | 1.5678% | 7,991 |
| Loan and lease loss provision to assets | 1.1139% | 1,300 |
| Net operating income to assets | 0.1014% | 6,108 |
| Return on assets (ROA) | 0.1336% | 5,856 |
| Pretax return on assets | 0.1932% | 5,749 |
| Return on Equity (ROE) | 1.3349% | 5,819 |
| Retained earnings to average equity (ytd only) | -1.5601% | 5,752 |
| Net charge-offs to loans | 2.7970% | 335 |
| Credit loss provision to net charge-offs | 73.6954% | 6,016 |
| Earnings coverage of net charge-offs (x) | 0.8339% | 5,733 |
| Efficiency ratio | 55.4354% | 7,095 |
| Assets per employee ($millions) | 6.0199% | 1,122 |
| Cash dividends to net income (ytd only)* | 216.8675% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,344 |
| Loan loss allowance to noncurrent loans | 13.5581% | 7,436 |
| Noncurrent assets plus other real estate owned to assets | 4.8611% | 733 |
| Noncurrent loans to loans | 8.0463% | 333 |
| Net loans and leases to total assets | 50.6592% | 6,970 |
| Net loans and leases to deposits | 88.5049% | 3,720 |
| Net loans and leases to core deposits | 107.2340% | 4,055 |
| Total domestic deposits to total assets | 57.2389% | 8,034 |
| Equity capital to assets | 9.0563% | 5,293 |
| Core capital (leverage) ratio | 9.1497% | 4,529 |
| Tier 1 risk-based capital ratio | 15.2320% | 2,943 |
| Total risk-based capital ratio | 16.1718% | 2,999 |
| Memoranda: | ||
| Average total assets | $62,125,000 | 6,314 |
| Average earning assets | $56,727,400 | 6,314 |
| Average equity | $6,217,600 | 6,729 |
| Average total loans | $33,571,200 | 6,507 |