Home > The Ohio State Bank > Performance and Condition Ratios
The Ohio State Bank, Performance and Condition Ratios
| 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 | 4.3477% | 2,432 |
| Cost of funding earning assets | 0.7365% | 957 |
| Net interest margin | 3.6112% | 3,382 |
| Noninterest income to average assets | 0.4140% | 4,146 |
| Noninterest expense to average assets | 4.1008% | 686 |
| Loan and lease loss provision to assets | -0.4312% | 6,514 |
| Net operating income to assets | -0.0417% | 6,174 |
| Return on assets (ROA) | -0.0417% | 6,182 |
| Pretax return on assets | -0.0417% | 6,171 |
| Return on Equity (ROE) | -0.8019% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.8019% | 5,934 |
| Net charge-offs to loans | 0.3476% | 1,156 |
| Credit loss provision to net charge-offs | -166.6667% | 5,528 |
| Earnings coverage of net charge-offs (x) | -1.8278% | 4,556 |
| Efficiency ratio | 109.8257% | 221 |
| Assets per employee ($millions) | 4.4559% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 1,552 |
| Loan loss allowance to noncurrent loans | 44.6669% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.5057% | 614 |
| Noncurrent loans to loans | 4.1612% | 491 |
| Net loans and leases to total assets | 76.5246% | 1,156 |
| Net loans and leases to deposits | 93.1665% | 1,109 |
| Net loans and leases to core deposits | 95.4351% | 1,724 |
| Total domestic deposits to total assets | 82.1374% | 4,435 |
| Equity capital to assets | 5.7062% | 6,498 |
| Core capital (leverage) ratio | 4.7088% | 6,537 |
| Tier 1 risk-based capital ratio | 6.2963% | 6,552 |
| Total risk-based capital ratio | 7.5547% | 6,550 |
| Memoranda: | ||
| Average total assets | $92,760,250 | 4,823 |
| Average earning assets | $82,555,000 | 4,885 |
| Average equity | $4,822,500 | 5,964 |
| Average total loans | $69,037,250 | 4,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,661 |
| Cost of funding earning assets | 0.7499% | 922 |
| Net interest margin | 3.8035% | 2,563 |
| Noninterest income to average assets | 0.2891% | 5,107 |
| Noninterest expense to average assets | 4.0708% | 702 |
| Loan and lease loss provision to assets | -0.6285% | 6,609 |
| Net operating income to assets | 0.2368% | 5,744 |
| Return on assets (ROA) | 0.2368% | 5,812 |
| Pretax return on assets | 0.2368% | 5,899 |
| Return on Equity (ROE) | 4.6891% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.6891% | 3,160 |
| Net charge-offs to loans | 0.3969% | 1,018 |
| Credit loss provision to net charge-offs | -215.8273% | 5,409 |
| Earnings coverage of net charge-offs (x) | -1.3453% | 4,220 |
| Efficiency ratio | 107.5740% | 264 |
| Assets per employee ($millions) | 4.3760% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 1,612 |
| Loan loss allowance to noncurrent loans | 48.5824% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.9762% | 856 |
| Noncurrent loans to loans | 3.8824% | 626 |
| Net loans and leases to total assets | 71.7746% | 1,784 |
| Net loans and leases to deposits | 88.4760% | 1,536 |
| Net loans and leases to core deposits | 90.4774% | 2,078 |
| Total domestic deposits to total assets | 81.1232% | 4,940 |
| Equity capital to assets | 5.4203% | 6,567 |
| Core capital (leverage) ratio | 4.5477% | 6,600 |
| Tier 1 risk-based capital ratio | 6.3589% | 6,607 |
| Total risk-based capital ratio | 7.6166% | 6,606 |
| Memoranda: | ||
| Average total assets | $95,459,330 | 4,784 |
| Average earning assets | $85,079,670 | 4,846 |
| Average equity | $4,819,670 | 6,002 |
| Average total loans | $70,044,670 | 4,233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 4,356 |
| Cost of funding earning assets | 0.7736% | 867 |
| Net interest margin | 3.0575% | 5,371 |
| Noninterest income to average assets | 0.4360% | 3,898 |
| Noninterest expense to average assets | 4.0024% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8350% | 6,546 |
| Return on assets (ROA) | -0.8350% | 6,546 |
| Pretax return on assets | -0.8350% | 6,535 |
| Return on Equity (ROE) | -17.1344% | 6,615 |
| Retained earnings to average equity (ytd only) | -17.1344% | 6,498 |
| Net charge-offs to loans | 0.3415% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -3.3279% | 3,561 |
| Efficiency ratio | 122.8571% | 160 |
| Assets per employee ($millions) | 4.4843% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 957 |
| Loan loss allowance to noncurrent loans | 66.2641% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.9840% | 960 |
| Noncurrent loans to loans | 3.5551% | 809 |
| Net loans and leases to total assets | 72.4488% | 1,504 |
| Net loans and leases to deposits | 89.7143% | 1,186 |
| Net loans and leases to core deposits | 91.6916% | 1,763 |
| Total domestic deposits to total assets | 80.7550% | 5,299 |
| Equity capital to assets | 4.9326% | 6,644 |
| Core capital (leverage) ratio | 4.0302% | 6,677 |
| Tier 1 risk-based capital ratio | 5.7084% | 6,686 |
| Total risk-based capital ratio | 6.9725% | 6,683 |
| Memoranda: | ||
| Average total assets | $97,241,000 | 4,791 |
| Average earning assets | $86,867,000 | 4,846 |
| Average equity | $4,739,000 | 6,064 |
| Average total loans | $71,454,000 | 4,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 4,092 |
| Cost of funding earning assets | 0.7565% | 1,464 |
| Net interest margin | 3.2401% | 4,859 |
| Noninterest income to average assets | 0.3412% | 4,873 |
| Noninterest expense to average assets | 4.2001% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.9643% | 6,604 |
| Return on assets (ROA) | -0.8173% | 6,572 |
| Pretax return on assets | -0.8173% | 6,560 |
| Return on Equity (ROE) | -16.2416% | 6,658 |
| Retained earnings to average equity (ytd only) | -16.2416% | 6,635 |
| Net charge-offs to loans | 0.2480% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -5.3214% | 5,399 |
| Efficiency ratio | 126.7143% | 138 |
| Assets per employee ($millions) | 4.7768% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3372% | 998 |
| Loan loss allowance to noncurrent loans | 62.8035% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 3.1292% | 992 |
| Noncurrent loans to loans | 3.7214% | 807 |
| Net loans and leases to total assets | 71.1081% | 1,821 |
| Net loans and leases to deposits | 88.3376% | 1,430 |
| Net loans and leases to core deposits | 90.1599% | 2,002 |
| Total domestic deposits to total assets | 80.4959% | 5,322 |
| Equity capital to assets | 4.8180% | 6,701 |
| Core capital (leverage) ratio | 3.9809% | 6,754 |
| Tier 1 risk-based capital ratio | 5.6662% | 6,759 |
| Total risk-based capital ratio | 6.9289% | 6,760 |
| Memoranda: | ||
| Average total assets | $108,163,200 | 4,545 |
| Average earning assets | $96,631,600 | 4,601 |
| Average equity | $5,442,800 | 5,951 |
| Average total loans | $79,040,200 | 3,966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 4,083 |
| Cost of funding earning assets | 0.7496% | 1,611 |
| Net interest margin | 3.2629% | 4,779 |
| Noninterest income to average assets | 0.4080% | 4,474 |
| Noninterest expense to average assets | 4.3162% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9940% | 6,708 |
| Return on assets (ROA) | -0.8015% | 6,681 |
| Pretax return on assets | -0.8015% | 6,660 |
| Return on Equity (ROE) | -15.7748% | 6,737 |
| Retained earnings to average equity (ytd only) | -15.7748% | 6,714 |
| Net charge-offs to loans | 0.2251% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -6.0367% | 5,143 |
| Efficiency ratio | 126.9679% | 139 |
| Assets per employee ($millions) | 4.9222% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 1,205 |
| Loan loss allowance to noncurrent loans | 58.7824% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 3.7401% | 878 |
| Noncurrent loans to loans | 3.8876% | 921 |
| Net loans and leases to total assets | 73.0956% | 1,430 |
| Net loans and leases to deposits | 90.5448% | 1,100 |
| Net loans and leases to core deposits | 92.3476% | 1,742 |
| Total domestic deposits to total assets | 80.7287% | 5,294 |
| Equity capital to assets | 4.9030% | 6,775 |
| Core capital (leverage) ratio | 4.0403% | 6,826 |
| Tier 1 risk-based capital ratio | 5.5686% | 6,838 |
| Total risk-based capital ratio | 6.8319% | 6,839 |
| Memoranda: | ||
| Average total assets | $110,126,000 | 4,532 |
| Average earning assets | $98,356,500 | 4,602 |
| Average equity | $5,595,250 | 5,977 |
| Average total loans | $80,541,000 | 3,958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 4,069 |
| Cost of funding earning assets | 0.7370% | 1,792 |
| Net interest margin | 3.2725% | 4,677 |
| Noninterest income to average assets | 0.5553% | 3,467 |
| Noninterest expense to average assets | 4.3140% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.8347% | 6,723 |
| Return on assets (ROA) | -0.5926% | 6,675 |
| Pretax return on assets | -0.5926% | 6,658 |
| Return on Equity (ROE) | -11.5405% | 6,763 |
| Retained earnings to average equity (ytd only) | -11.5405% | 6,700 |
| Net charge-offs to loans | 0.0931% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -12.3421% | 4,866 |
| Efficiency ratio | 121.2276% | 173 |
| Assets per employee ($millions) | 3.6619% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 1,136 |
| Loan loss allowance to noncurrent loans | 63.5434% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 3.9343% | 893 |
| Noncurrent loans to loans | 3.7291% | 1,094 |
| Net loans and leases to total assets | 72.3591% | 1,515 |
| Net loans and leases to deposits | 90.8061% | 1,071 |
| Net loans and leases to core deposits | 92.5851% | 1,648 |
| Total domestic deposits to total assets | 79.6853% | 5,674 |
| Equity capital to assets | 5.1378% | 6,816 |
| Core capital (leverage) ratio | 4.1934% | 6,872 |
| Tier 1 risk-based capital ratio | 5.7258% | 6,879 |
| Total risk-based capital ratio | 6.9894% | 6,881 |
| Memoranda: | ||
| Average total assets | $112,379,330 | 4,526 |
| Average earning assets | $100,412,330 | 4,574 |
| Average equity | $5,771,000 | 5,982 |
| Average total loans | $81,613,670 | 3,937 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 4,196 |
| Cost of funding earning assets | 0.7227% | 2,044 |
| Net interest margin | 3.2580% | 4,693 |
| Noninterest income to average assets | 0.5092% | 3,714 |
| Noninterest expense to average assets | 4.1499% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7205% | 6,743 |
| Return on assets (ROA) | -0.4261% | 6,675 |
| Pretax return on assets | -0.4261% | 6,650 |
| Return on Equity (ROE) | -8.2989% | 6,767 |
| Retained earnings to average equity (ytd only) | -8.2989% | 6,539 |
| Net charge-offs to loans | 0.4334% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.3111% | 4,032 |
| Efficiency ratio | 118.2828% | 229 |
| Assets per employee ($millions) | 3.5033% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2121% | 1,560 |
| Loan loss allowance to noncurrent loans | 51.8593% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.9374% | 1,027 |
| Noncurrent loans to loans | 4.2655% | 1,013 |
| Net loans and leases to total assets | 71.4925% | 1,435 |
| Net loans and leases to deposits | 93.2060% | 716 |
| Net loans and leases to core deposits | 94.9991% | 1,267 |
| Total domestic deposits to total assets | 76.7038% | 6,278 |
| Equity capital to assets | 5.1979% | 6,880 |
| Core capital (leverage) ratio | 4.2246% | 6,923 |
| Tier 1 risk-based capital ratio | 5.7258% | 6,937 |
| Total risk-based capital ratio | 6.9876% | 6,940 |
| Memoranda: | ||
| Average total assets | $115,472,000 | 4,495 |
| Average earning assets | $103,500,000 | 4,531 |
| Average equity | $5,928,500 | 6,005 |
| Average total loans | $83,067,500 | 3,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 4,558 |
| Cost of funding earning assets | 0.7809% | 2,825 |
| Net interest margin | 3.4276% | 4,790 |
| Noninterest income to average assets | 0.4575% | 4,197 |
| Noninterest expense to average assets | 4.3271% | 661 |
| Loan and lease loss provision to assets | 0.0610% | 5,015 |
| Net operating income to assets | -0.8758% | 6,701 |
| Return on assets (ROA) | -0.7969% | 6,696 |
| Pretax return on assets | -0.7969% | 6,672 |
| Return on Equity (ROE) | -15.1365% | 6,825 |
| Retained earnings to average equity (ytd only) | -15.1365% | 6,776 |
| Net charge-offs to loans | 0.6519% | 1,805 |
| Credit loss provision to net charge-offs | 13.3215% | 5,362 |
| Earnings coverage of net charge-offs (x) | -1.7780% | 5,823 |
| Efficiency ratio | 120.6952% | 207 |
| Assets per employee ($millions) | 3.4953% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 1,439 |
| Loan loss allowance to noncurrent loans | 54.4025% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 4.0693% | 1,045 |
| Noncurrent loans to loans | 4.1556% | 1,098 |
| Net loans and leases to total assets | 69.2301% | 1,990 |
| Net loans and leases to deposits | 92.4322% | 876 |
| Net loans and leases to core deposits | 94.4635% | 1,430 |
| Total domestic deposits to total assets | 74.8982% | 6,455 |
| Equity capital to assets | 5.0740% | 6,946 |
| Core capital (leverage) ratio | 4.0510% | 6,989 |
| Tier 1 risk-based capital ratio | 5.6822% | 7,001 |
| Total risk-based capital ratio | 6.9438% | 7,002 |
| Memoranda: | ||
| Average total assets | $122,853,800 | 4,292 |
| Average earning assets | $109,494,800 | 4,353 |
| Average equity | $6,467,800 | 5,900 |
| Average total loans | $86,367,400 | 3,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 4,645 |
| Cost of funding earning assets | 0.7970% | 2,970 |
| Net interest margin | 3.4540% | 4,831 |
| Noninterest income to average assets | 0.4144% | 4,526 |
| Noninterest expense to average assets | 4.3694% | 618 |
| Loan and lease loss provision to assets | 0.0807% | 4,623 |
| Net operating income to assets | -0.9613% | 6,847 |
| Return on assets (ROA) | -0.8569% | 6,845 |
| Pretax return on assets | -0.8569% | 6,818 |
| Return on Equity (ROE) | -16.1361% | 6,944 |
| Retained earnings to average equity (ytd only) | -16.1361% | 6,923 |
| Net charge-offs to loans | 0.2685% | 3,113 |
| Credit loss provision to net charge-offs | 42.8571% | 4,554 |
| Earnings coverage of net charge-offs (x) | -4.6742% | 5,704 |
| Efficiency ratio | 122.7399% | 178 |
| Assets per employee ($millions) | 3.3427% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6216% | 1,059 |
| Loan loss allowance to noncurrent loans | 73.2417% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 3.5750% | 1,398 |
| Noncurrent loans to loans | 3.5794% | 1,513 |
| Net loans and leases to total assets | 70.7170% | 1,779 |
| Net loans and leases to deposits | 87.2093% | 1,455 |
| Net loans and leases to core deposits | 88.7149% | 2,134 |
| Total domestic deposits to total assets | 81.0888% | 5,325 |
| Equity capital to assets | 5.1705% | 7,039 |
| Core capital (leverage) ratio | 4.1162% | 7,089 |
| Tier 1 risk-based capital ratio | 5.7330% | 7,093 |
| Total risk-based capital ratio | 6.9994% | 7,093 |
| Memoranda: | ||
| Average total assets | $123,857,250 | 4,315 |
| Average earning assets | $110,245,000 | 4,381 |
| Average equity | $6,577,250 | 5,940 |
| Average total loans | $86,915,250 | 3,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 4,727 |
| Cost of funding earning assets | 0.8129% | 3,095 |
| Net interest margin | 3.4445% | 4,905 |
| Noninterest income to average assets | 0.2895% | 5,492 |
| Noninterest expense to average assets | 4.2341% | 703 |
| Loan and lease loss provision to assets | 0.1200% | 4,029 |
| Net operating income to assets | -1.0078% | 6,913 |
| Return on assets (ROA) | -0.8526% | 6,899 |
| Pretax return on assets | -0.8526% | 6,864 |
| Return on Equity (ROE) | -15.9207% | 6,991 |
| Retained earnings to average equity (ytd only) | -15.9207% | 6,959 |
| Net charge-offs to loans | 0.2121% | 3,299 |
| Credit loss provision to net charge-offs | 81.5217% | 3,275 |
| Earnings coverage of net charge-offs (x) | -6.0326% | 5,453 |
| Efficiency ratio | 123.9484% | 202 |
| Assets per employee ($millions) | 3.5296% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7070% | 1,025 |
| Loan loss allowance to noncurrent loans | 68.4347% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 4.5331% | 1,094 |
| Noncurrent loans to loans | 3.9556% | 1,404 |
| Net loans and leases to total assets | 69.0684% | 2,091 |
| Net loans and leases to deposits | 84.2034% | 1,829 |
| Net loans and leases to core deposits | 86.4909% | 2,365 |
| Total domestic deposits to total assets | 82.0256% | 5,120 |
| Equity capital to assets | 5.2494% | 7,087 |
| Core capital (leverage) ratio | 4.1956% | 7,120 |
| Tier 1 risk-based capital ratio | 5.8712% | 7,131 |
| Total risk-based capital ratio | 7.1390% | 7,133 |
| Memoranda: | ||
| Average total assets | $125,031,000 | 4,315 |
| Average earning assets | $110,960,000 | 4,384 |
| Average equity | $6,695,670 | 5,933 |
| Average total loans | $86,757,330 | 3,885 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 4,740 |
| Cost of funding earning assets | 0.8431% | 3,118 |
| Net interest margin | 3.4551% | 4,890 |
| Noninterest income to average assets | 0.2290% | 5,985 |
| Noninterest expense to average assets | 3.8894% | 1,081 |
| Loan and lease loss provision to assets | 0.1431% | 3,568 |
| Net operating income to assets | -0.7410% | 6,931 |
| Return on assets (ROA) | -0.7410% | 6,951 |
| Pretax return on assets | -0.7410% | 6,911 |
| Return on Equity (ROE) | -13.7039% | 7,051 |
| Retained earnings to average equity (ytd only) | -13.7039% | 6,946 |
| Net charge-offs to loans | 0.3152% | 2,382 |
| Credit loss provision to net charge-offs | 66.1765% | 2,991 |
| Earnings coverage of net charge-offs (x) | -2.7647% | 4,638 |
| Efficiency ratio | 115.5556% | 265 |
| Assets per employee ($millions) | 3.7074% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7700% | 1,034 |
| Loan loss allowance to noncurrent loans | 49.3025% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 5.8825% | 809 |
| Noncurrent loans to loans | 5.6185% | 939 |
| Net loans and leases to total assets | 65.9400% | 2,474 |
| Net loans and leases to deposits | 80.2530% | 2,171 |
| Net loans and leases to core deposits | 83.4392% | 2,614 |
| Total domestic deposits to total assets | 82.1652% | 5,237 |
| Equity capital to assets | 5.2979% | 7,121 |
| Core capital (leverage) ratio | 4.3630% | 7,158 |
| Tier 1 risk-based capital ratio | 6.2740% | 7,169 |
| Total risk-based capital ratio | 7.5413% | 7,168 |
| Memoranda: | ||
| Average total assets | $125,778,000 | 4,331 |
| Average earning assets | $111,488,000 | 4,402 |
| Average equity | $6,801,000 | 5,932 |
| Average total loans | $86,286,500 | 3,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 1,413 |
| Cost of funding earning assets | 0.9007% | 4,113 |
| Net interest margin | 4.5024% | 1,124 |
| Noninterest income to average assets | 0.1279% | 6,517 |
| Noninterest expense to average assets | 4.4495% | 610 |
| Loan and lease loss provision to assets | 2.0005% | 297 |
| Net operating income to assets | -2.3957% | 7,097 |
| Return on assets (ROA) | -3.5198% | 7,230 |
| Pretax return on assets | -3.5198% | 7,236 |
| Return on Equity (ROE) | -44.6815% | 7,182 |
| Retained earnings to average equity (ytd only) | -44.6815% | 7,179 |
| Net charge-offs to loans | 1.3291% | 1,241 |
| Credit loss provision to net charge-offs | 218.8341% | 1,115 |
| Earnings coverage of net charge-offs (x) | -0.4323% | 6,054 |
| Efficiency ratio | 107.5025% | 488 |
| Assets per employee ($millions) | 3.5859% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7455% | 1,037 |
| Loan loss allowance to noncurrent loans | 51.7645% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 5.8038% | 868 |
| Noncurrent loans to loans | 5.3039% | 1,020 |
| Net loans and leases to total assets | 67.4842% | 2,496 |
| Net loans and leases to deposits | 82.7029% | 2,107 |
| Net loans and leases to core deposits | 85.7342% | 2,668 |
| Total domestic deposits to total assets | 81.5983% | 5,266 |
| Equity capital to assets | 5.5169% | 7,130 |
| Core capital (leverage) ratio | 4.4120% | 7,182 |
| Tier 1 risk-based capital ratio | 6.3227% | 7,189 |
| Total risk-based capital ratio | 7.5901% | 7,188 |
| Memoranda: | ||
| Average total assets | $121,967,800 | 4,349 |
| Average earning assets | $106,366,200 | 4,497 |
| Average equity | $9,608,000 | 5,118 |
| Average total loans | $83,894,400 | 4,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 596 |
| Cost of funding earning assets | 0.8936% | 4,440 |
| Net interest margin | 4.9765% | 436 |
| Noninterest income to average assets | 0.5109% | 3,791 |
| Noninterest expense to average assets | 4.1986% | 797 |
| Loan and lease loss provision to assets | 1.0197% | 839 |
| Net operating income to assets | -0.3843% | 6,568 |
| Return on assets (ROA) | -0.3843% | 6,621 |
| Pretax return on assets | -0.3843% | 6,556 |
| Return on Equity (ROE) | -4.5269% | 6,657 |
| Retained earnings to average equity (ytd only) | -4.5269% | 6,563 |
| Net charge-offs to loans | 0.7124% | 2,130 |
| Credit loss provision to net charge-offs | 208.5586% | 1,398 |
| Earnings coverage of net charge-offs (x) | 1.2995% | 4,644 |
| Efficiency ratio | 84.9431% | 1,641 |
| Assets per employee ($millions) | 3.5945% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8415% | 2,799 |
| Loan loss allowance to noncurrent loans | 30.4844% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 6.3638% | 821 |
| Noncurrent loans to loans | 6.0407% | 925 |
| Net loans and leases to total assets | 63.7659% | 3,359 |
| Net loans and leases to deposits | 80.5527% | 2,585 |
| Net loans and leases to core deposits | 84.3556% | 3,010 |
| Total domestic deposits to total assets | 79.1605% | 5,957 |
| Equity capital to assets | 8.4596% | 6,342 |
| Core capital (leverage) ratio | 6.6155% | 7,050 |
| Tier 1 risk-based capital ratio | 9.8123% | 7,003 |
| Total risk-based capital ratio | 11.0701% | 6,993 |
| Memoranda: | ||
| Average total assets | $121,083,500 | 4,388 |
| Average earning assets | $105,185,000 | 4,545 |
| Average equity | $10,279,000 | 4,973 |
| Average total loans | $83,096,250 | 4,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0880% | 398 |
| Cost of funding earning assets | 0.8538% | 5,035 |
| Net interest margin | 5.2342% | 266 |
| Noninterest income to average assets | 0.5291% | 3,634 |
| Noninterest expense to average assets | 4.3107% | 740 |
| Loan and lease loss provision to assets | 1.1715% | 677 |
| Net operating income to assets | -0.4142% | 6,618 |
| Return on assets (ROA) | -0.4142% | 6,648 |
| Pretax return on assets | -0.4142% | 6,596 |
| Return on Equity (ROE) | -4.8726% | 6,705 |
| Retained earnings to average equity (ytd only) | -4.8726% | 6,556 |
| Net charge-offs to loans | 0.7877% | 1,929 |
| Credit loss provision to net charge-offs | 212.5767% | 1,417 |
| Earnings coverage of net charge-offs (x) | 1.3742% | 4,252 |
| Efficiency ratio | 83.1554% | 1,934 |
| Assets per employee ($millions) | 3.2563% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,147 |
| Loan loss allowance to noncurrent loans | 28.2699% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 6.7237% | 780 |
| Noncurrent loans to loans | 6.1944% | 937 |
| Net loans and leases to total assets | 64.9736% | 3,263 |
| Net loans and leases to deposits | 78.7940% | 2,994 |
| Net loans and leases to core deposits | 82.4529% | 3,438 |
| Total domestic deposits to total assets | 82.4601% | 4,999 |
| Equity capital to assets | 8.6843% | 5,961 |
| Core capital (leverage) ratio | 7.0945% | 6,956 |
| Tier 1 risk-based capital ratio | 10.1138% | 6,946 |
| Total risk-based capital ratio | 11.3695% | 6,932 |
| Memoranda: | ||
| Average total assets | $118,310,330 | 4,506 |
| Average earning assets | $102,594,670 | 4,634 |
| Average equity | $10,056,330 | 5,036 |
| Average total loans | $82,774,000 | 4,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1510% | 359 |
| Cost of funding earning assets | 0.6870% | 6,212 |
| Net interest margin | 5.4640% | 176 |
| Noninterest income to average assets | 0.4741% | 4,091 |
| Noninterest expense to average assets | 4.4258% | 639 |
| Loan and lease loss provision to assets | 1.2319% | 565 |
| Net operating income to assets | -0.4498% | 6,775 |
| Return on assets (ROA) | -0.4498% | 6,785 |
| Pretax return on assets | -0.4498% | 6,729 |
| Return on Equity (ROE) | -5.3545% | 6,830 |
| Retained earnings to average equity (ytd only) | -5.3545% | 6,549 |
| Net charge-offs to loans | 0.6727% | 1,864 |
| Credit loss provision to net charge-offs | 254.2857% | 1,227 |
| Earnings coverage of net charge-offs (x) | 1.6143% | 3,505 |
| Efficiency ratio | 82.9900% | 2,079 |
| Assets per employee ($millions) | 2.9005% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 3,900 |
| Loan loss allowance to noncurrent loans | 25.8520% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 6.7515% | 806 |
| Noncurrent loans to loans | 6.0474% | 1,044 |
| Net loans and leases to total assets | 69.5754% | 2,205 |
| Net loans and leases to deposits | 81.1142% | 2,505 |
| Net loans and leases to core deposits | 83.7197% | 3,202 |
| Total domestic deposits to total assets | 85.7746% | 3,653 |
| Equity capital to assets | 9.1572% | 4,941 |
| Core capital (leverage) ratio | 7.2192% | 6,910 |
| Tier 1 risk-based capital ratio | 10.3695% | 6,879 |
| Total risk-based capital ratio | 11.6230% | 6,857 |
| Memoranda: | ||
| Average total assets | $115,595,000 | 4,601 |
| Average earning assets | $100,146,000 | 4,737 |
| Average equity | $9,711,500 | 5,117 |
| Average total loans | $83,245,000 | 4,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 6,839 |
| Cost of funding earning assets | 0.5549% | 7,220 |
| Net interest margin | 3.7110% | 4,304 |
| Noninterest income to average assets | 0.3005% | 5,644 |
| Noninterest expense to average assets | 3.0147% | 3,789 |
| Loan and lease loss provision to assets | 1.7543% | 799 |
| Net operating income to assets | -1.1602% | 6,769 |
| Return on assets (ROA) | -1.1097% | 6,768 |
| Pretax return on assets | -1.1097% | 6,697 |
| Return on Equity (ROE) | -17.4043% | 6,984 |
| Retained earnings to average equity (ytd only) | -17.4043% | 6,951 |
| Net charge-offs to loans | 3.2230% | 486 |
| Credit loss provision to net charge-offs | 79.0413% | 5,587 |
| Earnings coverage of net charge-offs (x) | 0.2677% | 5,843 |
| Efficiency ratio | 81.6010% | 2,212 |
| Assets per employee ($millions) | 2.8793% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 5,196 |
| Loan loss allowance to noncurrent loans | 14.2247% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 8.6592% | 535 |
| Noncurrent loans to loans | 8.8699% | 533 |
| Net loans and leases to total assets | 72.4325% | 2,004 |
| Net loans and leases to deposits | 83.2289% | 2,583 |
| Net loans and leases to core deposits | 90.9995% | 2,617 |
| Total domestic deposits to total assets | 87.0281% | 2,802 |
| Equity capital to assets | 7.6399% | 6,785 |
| Core capital (leverage) ratio | 5.1016% | 7,410 |
| Tier 1 risk-based capital ratio | 7.8024% | 7,362 |
| Total risk-based capital ratio | 9.0526% | 7,367 |
| Memoranda: | ||
| Average total assets | $128,771,000 | 4,301 |
| Average earning assets | $114,795,000 | 4,349 |
| Average equity | $8,210,600 | 5,652 |
| Average total loans | $88,673,800 | 4,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 7,421 |
| Cost of funding earning assets | 0.5312% | 7,399 |
| Net interest margin | 3.2343% | 6,233 |
| Noninterest income to average assets | 0.2552% | 6,077 |
| Noninterest expense to average assets | 2.5593% | 5,470 |
| Loan and lease loss provision to assets | 0.7788% | 1,960 |
| Net operating income to assets | -0.1836% | 6,302 |
| Return on assets (ROA) | -0.1180% | 6,291 |
| Pretax return on assets | -0.1180% | 6,240 |
| Return on Equity (ROE) | -1.9346% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.9346% | 6,188 |
| Net charge-offs to loans | 1.2780% | 1,596 |
| Credit loss provision to net charge-offs | 89.7674% | 4,775 |
| Earnings coverage of net charge-offs (x) | 0.6860% | 5,364 |
| Efficiency ratio | 79.2133% | 2,457 |
| Assets per employee ($millions) | 3.1886% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 7,299 |
| Loan loss allowance to noncurrent loans | 6.0319% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 8.5393% | 561 |
| Noncurrent loans to loans | 10.6029% | 374 |
| Net loans and leases to total assets | 68.4626% | 3,111 |
| Net loans and leases to deposits | 78.9305% | 3,643 |
| Net loans and leases to core deposits | 85.7292% | 3,695 |
| Total domestic deposits to total assets | 86.7379% | 2,669 |
| Equity capital to assets | 8.2161% | 6,599 |
| Core capital (leverage) ratio | 6.1915% | 7,406 |
| Tier 1 risk-based capital ratio | 9.2436% | 7,314 |
| Total risk-based capital ratio | 9.8980% | 7,429 |
| Memoranda: | ||
| Average total assets | $132,170,750 | 4,274 |
| Average earning assets | $118,475,250 | 4,321 |
| Average equity | $8,063,500 | 5,767 |
| Average total loans | $89,720,250 | 4,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6403% | 7,741 |
| Cost of funding earning assets | 0.4313% | 7,631 |
| Net interest margin | 2.2090% | 7,577 |
| Noninterest income to average assets | 0.2760% | 5,940 |
| Noninterest expense to average assets | 1.7778% | 7,411 |
| Loan and lease loss provision to assets | 0.0742% | 6,202 |
| Net operating income to assets | 0.4155% | 4,685 |
| Return on assets (ROA) | 0.4155% | 4,842 |
| Pretax return on assets | 0.4155% | 5,175 |
| Return on Equity (ROE) | 7.6235% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.6235% | 1,587 |
| Net charge-offs to loans | 0.2438% | 4,138 |
| Credit loss provision to net charge-offs | 45.0450% | 5,520 |
| Earnings coverage of net charge-offs (x) | 2.9730% | 3,513 |
| Efficiency ratio | 76.4398% | 2,991 |
| Assets per employee ($millions) | 3.0923% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0679% | 7,745 |
| Loan loss allowance to noncurrent loans | 0.5765% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 8.7662% | 514 |
| Noncurrent loans to loans | 11.7751% | 303 |
| Net loans and leases to total assets | 70.2250% | 2,851 |
| Net loans and leases to deposits | 77.7122% | 4,038 |
| Net loans and leases to core deposits | 87.8468% | 3,565 |
| Total domestic deposits to total assets | 90.3655% | 737 |
| Equity capital to assets | 8.5964% | 6,023 |
| Core capital (leverage) ratio | 6.3800% | 7,408 |
| Tier 1 risk-based capital ratio | 9.5258% | 7,248 |
| Total risk-based capital ratio | 9.5951% | 7,512 |
| Memoranda: | ||
| Average total assets | $134,776,330 | 4,246 |
| Average earning assets | $121,500,330 | 4,282 |
| Average equity | $7,345,670 | 6,015 |
| Average total loans | $91,065,670 | 4,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,933 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.0000% | 7,925 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.0000% | 7,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.4787% | 5,076 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 7.3149% | 711 |
| Noncurrent loans to loans | 10.6103% | 383 |
| Net loans and leases to total assets | 62.0301% | 4,745 |
| Net loans and leases to deposits | 73.1316% | 4,879 |
| Net loans and leases to core deposits | 84.6086% | 4,117 |
| Total domestic deposits to total assets | 84.8197% | 3,751 |
| Equity capital to assets | 6.9258% | 7,405 |
| Core capital (leverage) ratio | 5.5326% | 7,648 |
| Tier 1 risk-based capital ratio | 8.2169% | 7,594 |
| Total risk-based capital ratio | 8.2169% | 7,704 |
| Memoranda: | ||
| Average total assets | $140,319,000 | 4,190 |
| Average earning assets | $127,183,500 | 4,210 |
| Average equity | $5,702,000 | 6,619 |
| Average total loans | $93,138,000 | 4,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 6,765 |
| Cost of funding earning assets | 2.2295% | 1,900 |
| Net interest margin | 2.6477% | 7,283 |
| Noninterest income to average assets | -0.1566% | 7,837 |
| Noninterest expense to average assets | 3.8246% | 1,652 |
| Loan and lease loss provision to assets | 2.4587% | 811 |
| Net operating income to assets | -3.4671% | 7,500 |
| Return on assets (ROA) | -3.6025% | 7,538 |
| Pretax return on assets | -4.2135% | 7,574 |
| Return on Equity (ROE) | -93.6369% | 7,914 |
| Retained earnings to average equity (ytd only) | -93.6369% | 7,912 |
| Net charge-offs to loans | 2.0863% | 1,172 |
| Credit loss provision to net charge-offs | 171.0428% | 2,490 |
| Earnings coverage of net charge-offs (x) | -1.1099% | 6,901 |
| Efficiency ratio | 170.1591% | 220 |
| Assets per employee ($millions) | 3.4503% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4313% | 268 |
| Loan loss allowance to noncurrent loans | 39.5835% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 8.6739% | 472 |
| Noncurrent loans to loans | 11.1947% | 334 |
| Net loans and leases to total assets | 67.7267% | 3,762 |
| Net loans and leases to deposits | 74.6914% | 4,925 |
| Net loans and leases to core deposits | 96.6478% | 4,386 |
| Total domestic deposits to total assets | 90.6754% | 670 |
| Equity capital to assets | 1.1057% | 7,983 |
| Core capital (leverage) ratio | 0.6788% | 7,988 |
| Tier 1 risk-based capital ratio | 1.1060% | 7,984 |
| Total risk-based capital ratio | 2.2120% | 7,984 |
| Memoranda: | ||
| Average total assets | $149,426,000 | 3,966 |
| Average earning assets | $134,647,400 | 3,999 |
| Average equity | $5,748,800 | 6,695 |
| Average total loans | $102,959,800 | 3,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 6,628 |
| Cost of funding earning assets | 2.2965% | 1,997 |
| Net interest margin | 2.6941% | 7,217 |
| Noninterest income to average assets | 0.4798% | 4,666 |
| Noninterest expense to average assets | 3.9024% | 1,424 |
| Loan and lease loss provision to assets | 0.3327% | 4,345 |
| Net operating income to assets | -0.5249% | 6,452 |
| Return on assets (ROA) | -0.5069% | 6,432 |
| Pretax return on assets | -1.3063% | 6,867 |
| Return on Equity (ROE) | -11.3451% | 6,977 |
| Retained earnings to average equity (ytd only) | -11.3451% | 6,903 |
| Net charge-offs to loans | 1.5514% | 1,321 |
| Credit loss provision to net charge-offs | 31.3273% | 6,497 |
| Earnings coverage of net charge-offs (x) | -0.9431% | 6,616 |
| Efficiency ratio | 133.4742% | 434 |
| Assets per employee ($millions) | 3.7554% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9646% | 1,880 |
| Loan loss allowance to noncurrent loans | 25.3530% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 6.4193% | 792 |
| Noncurrent loans to loans | 7.7489% | 653 |
| Net loans and leases to total assets | 64.0084% | 4,869 |
| Net loans and leases to deposits | 72.3706% | 5,589 |
| Net loans and leases to core deposits | 98.8585% | 4,505 |
| Total domestic deposits to total assets | 88.4453% | 1,457 |
| Equity capital to assets | 4.1514% | 7,996 |
| Core capital (leverage) ratio | 3.4982% | 8,007 |
| Tier 1 risk-based capital ratio | 5.5748% | 7,973 |
| Total risk-based capital ratio | 6.8335% | 7,980 |
| Memoranda: | ||
| Average total assets | $152,279,500 | 3,942 |
| Average earning assets | $136,841,000 | 3,989 |
| Average equity | $6,804,500 | 6,391 |
| Average total loans | $104,248,500 | 3,870 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 6,504 |
| Cost of funding earning assets | 2.3964% | 1,982 |
| Net interest margin | 2.6857% | 7,233 |
| Noninterest income to average assets | 0.4746% | 4,677 |
| Noninterest expense to average assets | 3.6384% | 1,976 |
| Loan and lease loss provision to assets | 0.1846% | 5,180 |
| Net operating income to assets | 0.2815% | 4,979 |
| Return on assets (ROA) | 0.3085% | 4,970 |
| Pretax return on assets | -0.8951% | 6,741 |
| Return on Equity (ROE) | 6.7416% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.7416% | 1,684 |
| Net charge-offs to loans | 0.5024% | 2,822 |
| Credit loss provision to net charge-offs | 52.8302% | 5,721 |
| Earnings coverage of net charge-offs (x) | -2.1547% | 6,362 |
| Efficiency ratio | 125.0343% | 585 |
| Assets per employee ($millions) | 3.8383% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 842 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 5.9277% | 821 |
| Noncurrent loans to loans | 7.7209% | 589 |
| Net loans and leases to total assets | 63.0029% | 5,185 |
| Net loans and leases to deposits | 72.2794% | 5,698 |
| Net loans and leases to core deposits | 101.5233% | 4,340 |
| Total domestic deposits to total assets | 87.1658% | 2,163 |
| Equity capital to assets | 4.4259% | 8,077 |
| Core capital (leverage) ratio | 4.0224% | 8,095 |
| Tier 1 risk-based capital ratio | 5.8963% | 8,062 |
| Total risk-based capital ratio | 7.1621% | 8,069 |
| Memoranda: | ||
| Average total assets | $151,715,330 | 3,965 |
| Average earning assets | $136,205,000 | 4,022 |
| Average equity | $6,942,000 | 6,389 |
| Average total loans | $105,488,000 | 3,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 5,685 |
| Cost of funding earning assets | 2.5063% | 1,896 |
| Net interest margin | 2.8382% | 6,903 |
| Noninterest income to average assets | 0.5226% | 4,117 |
| Noninterest expense to average assets | 3.4103% | 2,326 |
| Loan and lease loss provision to assets | 0.2259% | 4,190 |
| Net operating income to assets | 1.9079% | 420 |
| Return on assets (ROA) | 1.9079% | 471 |
| Pretax return on assets | -0.5770% | 6,885 |
| Return on Equity (ROE) | 40.9612% | 43 |
| Retained earnings to average equity (ytd only) | 40.9612% | 26 |
| Net charge-offs to loans | 0.0075% | 5,570 |
| Credit loss provision to net charge-offs | 4,150.0000% | 175 |
| Earnings coverage of net charge-offs (x) | -64.5000% | 5,703 |
| Efficiency ratio | 110.4093% | 800 |
| Assets per employee ($millions) | 3.4170% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7294% | 611 |
| Loan loss allowance to noncurrent loans | 45.3532% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 5.5325% | 769 |
| Noncurrent loans to loans | 6.0180% | 797 |
| Net loans and leases to total assets | 68.4807% | 4,021 |
| Net loans and leases to deposits | 79.7626% | 4,648 |
| Net loans and leases to core deposits | 115.5270% | 2,847 |
| Total domestic deposits to total assets | 85.8556% | 2,791 |
| Equity capital to assets | 4.8767% | 8,124 |
| Core capital (leverage) ratio | 4.3789% | 8,154 |
| Tier 1 risk-based capital ratio | 5.9838% | 8,141 |
| Total risk-based capital ratio | 7.2385% | 8,145 |
| Memoranda: | ||
| Average total assets | $146,968,000 | 4,057 |
| Average earning assets | $131,349,000 | 4,126 |
| Average equity | $6,845,500 | 6,460 |
| Average total loans | $106,107,000 | 3,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2018% | 4,507 |
| Cost of funding earning assets | 2.9508% | 2,054 |
| Net interest margin | 3.2510% | 6,209 |
| Noninterest income to average assets | 0.4325% | 5,191 |
| Noninterest expense to average assets | 3.8179% | 1,722 |
| Loan and lease loss provision to assets | 2.5914% | 395 |
| Net operating income to assets | -3.5369% | 7,919 |
| Return on assets (ROA) | -3.5369% | 7,902 |
| Pretax return on assets | -3.0679% | 7,721 |
| Return on Equity (ROE) | -50.7450% | 8,158 |
| Retained earnings to average equity (ytd only) | -50.7450% | 8,141 |
| Net charge-offs to loans | 2.7784% | 337 |
| Credit loss provision to net charge-offs | 128.9582% | 4,134 |
| Earnings coverage of net charge-offs (x) | -0.2371% | 6,389 |
| Efficiency ratio | 113.2729% | 645 |
| Assets per employee ($millions) | 3.1215% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6400% | 589 |
| Loan loss allowance to noncurrent loans | 41.4159% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 5.7032% | 546 |
| Noncurrent loans to loans | 6.3743% | 513 |
| Net loans and leases to total assets | 72.1214% | 3,559 |
| Net loans and leases to deposits | 85.0857% | 4,242 |
| Net loans and leases to core deposits | 122.9309% | 2,404 |
| Total domestic deposits to total assets | 84.7632% | 2,949 |
| Equity capital to assets | 4.4287% | 8,233 |
| Core capital (leverage) ratio | 3.7770% | 8,265 |
| Tier 1 risk-based capital ratio | 5.2382% | 8,259 |
| Total risk-based capital ratio | 6.4987% | 8,260 |
| Memoranda: | ||
| Average total assets | $145,211,000 | 3,989 |
| Average earning assets | $129,929,200 | 4,040 |
| Average equity | $10,121,200 | 5,369 |
| Average total loans | $105,023,600 | 3,825 |