Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, 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 | 4.0531% | 3,512 |
| Cost of funding earning assets | 0.2465% | 5,362 |
| Net interest margin | 3.8066% | 2,605 |
| Noninterest income to average assets | 1.2738% | 747 |
| Noninterest expense to average assets | 4.9571% | 315 |
| Loan and lease loss provision to assets | 0.0102% | 4,418 |
| Net operating income to assets | -0.4860% | 6,292 |
| Return on assets (ROA) | -0.4860% | 6,296 |
| Pretax return on assets | -0.4860% | 6,288 |
| Return on Equity (ROE) | -14.8058% | 6,410 |
| Retained earnings to average equity (ytd only) | -14.8058% | 6,381 |
| Net charge-offs to loans | 0.2231% | 1,881 |
| Credit loss provision to net charge-offs | 6.9444% | 4,137 |
| Earnings coverage of net charge-offs (x) | -3.2292% | 4,863 |
| Efficiency ratio | 110.6164% | 216 |
| Assets per employee ($millions) | 4.3034% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 1,722 |
| Loan loss allowance to noncurrent loans | 14.6051% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 18.1199% | 13 |
| Noncurrent loans to loans | 11.7872% | 49 |
| Net loans and leases to total assets | 65.0024% | 3,047 |
| Net loans and leases to deposits | 67.6304% | 4,162 |
| Net loans and leases to core deposits | 68.2038% | 4,479 |
| Total domestic deposits to total assets | 96.1141% | 10 |
| Equity capital to assets | 3.7000% | 6,484 |
| Core capital (leverage) ratio | 3.7536% | 6,482 |
| Tier 1 risk-based capital ratio | 5.1692% | 6,486 |
| Total risk-based capital ratio | 6.4228% | 6,486 |
| Memoranda: | ||
| Average total assets | $97,738,800 | 4,655 |
| Average earning assets | $82,356,400 | 4,845 |
| Average equity | $3,208,200 | 6,226 |
| Average total loans | $64,544,000 | 4,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,792 |
| Cost of funding earning assets | 0.2430% | 5,479 |
| Net interest margin | 3.7489% | 2,818 |
| Noninterest income to average assets | 1.2182% | 822 |
| Noninterest expense to average assets | 4.9174% | 327 |
| Loan and lease loss provision to assets | 0.0135% | 4,148 |
| Net operating income to assets | -0.5590% | 6,384 |
| Return on assets (ROA) | -0.5590% | 6,383 |
| Pretax return on assets | -0.5590% | 6,372 |
| Return on Equity (ROE) | -17.5674% | 6,497 |
| Retained earnings to average equity (ytd only) | -17.5674% | 6,471 |
| Net charge-offs to loans | 0.1271% | 2,521 |
| Credit loss provision to net charge-offs | 16.1290% | 3,621 |
| Earnings coverage of net charge-offs (x) | -6.5004% | 4,617 |
| Efficiency ratio | 112.4768% | 193 |
| Assets per employee ($millions) | 4.3734% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 1,748 |
| Loan loss allowance to noncurrent loans | 11.9440% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 21.3002% | 10 |
| Noncurrent loans to loans | 14.8595% | 35 |
| Net loans and leases to total assets | 66.7245% | 2,736 |
| Net loans and leases to deposits | 69.3901% | 3,983 |
| Net loans and leases to core deposits | 69.7785% | 4,342 |
| Total domestic deposits to total assets | 96.1586% | 13 |
| Equity capital to assets | 3.5213% | 6,559 |
| Core capital (leverage) ratio | 3.8115% | 6,555 |
| Tier 1 risk-based capital ratio | 5.0043% | 6,563 |
| Total risk-based capital ratio | 6.2578% | 6,565 |
| Memoranda: | ||
| Average total assets | $98,504,750 | 4,679 |
| Average earning assets | $82,866,750 | 4,878 |
| Average equity | $3,134,500 | 6,314 |
| Average total loans | $65,025,250 | 4,369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,574 |
| Cost of funding earning assets | 0.2418% | 5,565 |
| Net interest margin | 3.5433% | 3,602 |
| Noninterest income to average assets | 1.0779% | 1,024 |
| Noninterest expense to average assets | 4.6823% | 393 |
| Loan and lease loss provision to assets | 0.0201% | 3,870 |
| Net operating income to assets | -0.6427% | 6,472 |
| Return on assets (ROA) | -0.6427% | 6,473 |
| Pretax return on assets | -0.6427% | 6,457 |
| Return on Equity (ROE) | -20.9180% | 6,575 |
| Retained earnings to average equity (ytd only) | -20.9180% | 6,536 |
| Net charge-offs to loans | 0.2126% | 1,754 |
| Credit loss provision to net charge-offs | 14.4928% | 3,261 |
| Earnings coverage of net charge-offs (x) | -4.4783% | 4,283 |
| Efficiency ratio | 115.3350% | 182 |
| Assets per employee ($millions) | 4.5823% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 2,092 |
| Loan loss allowance to noncurrent loans | 9.2804% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 23.7457% | 7 |
| Noncurrent loans to loans | 18.4538% | 16 |
| Net loans and leases to total assets | 68.7658% | 2,282 |
| Net loans and leases to deposits | 71.2815% | 3,673 |
| Net loans and leases to core deposits | 71.6791% | 4,082 |
| Total domestic deposits to total assets | 96.4709% | 12 |
| Equity capital to assets | 3.1706% | 6,626 |
| Core capital (leverage) ratio | 3.3827% | 6,624 |
| Tier 1 risk-based capital ratio | 4.4207% | 6,637 |
| Total risk-based capital ratio | 5.6746% | 6,639 |
| Memoranda: | ||
| Average total assets | $99,268,000 | 4,702 |
| Average earning assets | $83,537,330 | 4,886 |
| Average equity | $3,050,000 | 6,384 |
| Average total loans | $64,914,000 | 4,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 5,028 |
| Cost of funding earning assets | 0.2597% | 5,496 |
| Net interest margin | 3.3854% | 4,192 |
| Noninterest income to average assets | 0.5040% | 3,379 |
| Noninterest expense to average assets | 4.5561% | 432 |
| Loan and lease loss provision to assets | 0.0397% | 3,285 |
| Net operating income to assets | -1.2462% | 6,610 |
| Return on assets (ROA) | -1.2462% | 6,605 |
| Pretax return on assets | -1.2462% | 6,595 |
| Return on Equity (ROE) | -41.1871% | 6,682 |
| Retained earnings to average equity (ytd only) | -41.1871% | 6,654 |
| Net charge-offs to loans | 0.3516% | 1,018 |
| Credit loss provision to net charge-offs | 17.8571% | 2,527 |
| Earnings coverage of net charge-offs (x) | -5.4286% | 3,579 |
| Efficiency ratio | 136.0190% | 98 |
| Assets per employee ($millions) | 4.7527% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 1,921 |
| Loan loss allowance to noncurrent loans | 9.3519% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 23.4382% | 7 |
| Noncurrent loans to loans | 19.7007% | 19 |
| Net loans and leases to total assets | 62.2411% | 3,198 |
| Net loans and leases to deposits | 64.3021% | 4,285 |
| Net loans and leases to core deposits | 64.6467% | 4,632 |
| Total domestic deposits to total assets | 96.7948% | 14 |
| Equity capital to assets | 2.9497% | 6,692 |
| Core capital (leverage) ratio | 3.2805% | 6,695 |
| Tier 1 risk-based capital ratio | 4.5940% | 6,699 |
| Total risk-based capital ratio | 5.8480% | 6,703 |
| Memoranda: | ||
| Average total assets | $100,788,000 | 4,720 |
| Average earning assets | $84,717,000 | 4,897 |
| Average equity | $3,049,500 | 6,438 |
| Average total loans | $63,708,500 | 4,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,964 |
| Cost of funding earning assets | 0.3597% | 5,053 |
| Net interest margin | 3.3936% | 4,300 |
| Noninterest income to average assets | 0.6341% | 2,892 |
| Noninterest expense to average assets | 4.3372% | 610 |
| Loan and lease loss provision to assets | 0.0847% | 3,420 |
| Net operating income to assets | -0.9474% | 6,601 |
| Return on assets (ROA) | -0.9389% | 6,600 |
| Pretax return on assets | -0.9389% | 6,583 |
| Return on Equity (ROE) | -29.4673% | 6,718 |
| Retained earnings to average equity (ytd only) | -29.4673% | 6,712 |
| Net charge-offs to loans | 0.6503% | 999 |
| Credit loss provision to net charge-offs | 20.9302% | 4,431 |
| Earnings coverage of net charge-offs (x) | -2.1326% | 5,330 |
| Efficiency ratio | 124.8308% | 150 |
| Assets per employee ($millions) | 4.4247% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 1,803 |
| Loan loss allowance to noncurrent loans | 9.6520% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 23.9798% | 8 |
| Noncurrent loans to loans | 19.5805% | 22 |
| Net loans and leases to total assets | 61.8243% | 3,393 |
| Net loans and leases to deposits | 63.9294% | 4,512 |
| Net loans and leases to core deposits | 64.5955% | 4,816 |
| Total domestic deposits to total assets | 96.7072% | 21 |
| Equity capital to assets | 3.1002% | 6,762 |
| Core capital (leverage) ratio | 3.5401% | 6,761 |
| Tier 1 risk-based capital ratio | 4.8862% | 6,771 |
| Total risk-based capital ratio | 6.1411% | 6,772 |
| Memoranda: | ||
| Average total assets | $106,289,400 | 4,582 |
| Average earning assets | $88,961,600 | 4,805 |
| Average equity | $3,386,800 | 6,455 |
| Average total loans | $66,127,000 | 4,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 5,071 |
| Cost of funding earning assets | 0.3752% | 5,048 |
| Net interest margin | 3.3618% | 4,425 |
| Noninterest income to average assets | 0.8031% | 2,130 |
| Noninterest expense to average assets | 4.2425% | 663 |
| Loan and lease loss provision to assets | 0.1117% | 2,900 |
| Net operating income to assets | -0.7373% | 6,658 |
| Return on assets (ROA) | -0.7261% | 6,661 |
| Pretax return on assets | -0.7261% | 6,643 |
| Return on Equity (ROE) | -22.6426% | 6,785 |
| Retained earnings to average equity (ytd only) | -22.6426% | 6,772 |
| Net charge-offs to loans | 0.5923% | 1,056 |
| Credit loss provision to net charge-offs | 30.4054% | 3,888 |
| Earnings coverage of net charge-offs (x) | -1.7027% | 5,066 |
| Efficiency ratio | 117.2958% | 196 |
| Assets per employee ($millions) | 4.5279% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 1,517 |
| Loan loss allowance to noncurrent loans | 10.4115% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 23.7908% | 11 |
| Noncurrent loans to loans | 20.1139% | 20 |
| Net loans and leases to total assets | 60.4258% | 3,630 |
| Net loans and leases to deposits | 62.3389% | 4,709 |
| Net loans and leases to core deposits | 63.1306% | 4,996 |
| Total domestic deposits to total assets | 96.9311% | 9 |
| Equity capital to assets | 2.6954% | 6,855 |
| Core capital (leverage) ratio | 3.0323% | 6,857 |
| Tier 1 risk-based capital ratio | 4.3040% | 6,862 |
| Total risk-based capital ratio | 5.5604% | 6,863 |
| Memoranda: | ||
| Average total assets | $107,419,500 | 4,606 |
| Average earning assets | $89,908,750 | 4,815 |
| Average equity | $3,444,750 | 6,522 |
| Average total loans | $66,626,250 | 4,425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 5,063 |
| Cost of funding earning assets | 0.3992% | 4,954 |
| Net interest margin | 3.3284% | 4,454 |
| Noninterest income to average assets | 1.0377% | 1,417 |
| Noninterest expense to average assets | 4.2189% | 682 |
| Loan and lease loss provision to assets | 0.1106% | 2,959 |
| Net operating income to assets | -0.5105% | 6,637 |
| Return on assets (ROA) | -0.4940% | 6,648 |
| Pretax return on assets | -0.4940% | 6,626 |
| Return on Equity (ROE) | -14.6555% | 6,792 |
| Retained earnings to average equity (ytd only) | -14.6555% | 6,753 |
| Net charge-offs to loans | 0.7566% | 846 |
| Credit loss provision to net charge-offs | 23.5294% | 3,680 |
| Earnings coverage of net charge-offs (x) | -0.8510% | 4,703 |
| Efficiency ratio | 110.4730% | 270 |
| Assets per employee ($millions) | 4.6949% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 1,710 |
| Loan loss allowance to noncurrent loans | 9.9890% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 24.0447% | 9 |
| Noncurrent loans to loans | 20.6610% | 18 |
| Net loans and leases to total assets | 59.6349% | 3,726 |
| Net loans and leases to deposits | 61.6905% | 4,778 |
| Net loans and leases to core deposits | 62.4503% | 5,056 |
| Total domestic deposits to total assets | 96.6680% | 15 |
| Equity capital to assets | 2.9885% | 6,900 |
| Core capital (leverage) ratio | 3.2462% | 6,897 |
| Tier 1 risk-based capital ratio | 4.6113% | 6,903 |
| Total risk-based capital ratio | 5.8679% | 6,904 |
| Memoranda: | ||
| Average total assets | $108,512,330 | 4,593 |
| Average earning assets | $90,675,000 | 4,823 |
| Average equity | $3,657,330 | 6,530 |
| Average total loans | $67,410,330 | 4,405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,900 |
| Cost of funding earning assets | 0.4318% | 4,786 |
| Net interest margin | 3.3444% | 4,335 |
| Noninterest income to average assets | 1.1583% | 1,117 |
| Noninterest expense to average assets | 4.1810% | 730 |
| Loan and lease loss provision to assets | 0.1655% | 2,211 |
| Net operating income to assets | -0.3971% | 6,626 |
| Return on assets (ROA) | -0.3640% | 6,643 |
| Pretax return on assets | -0.3640% | 6,619 |
| Return on Equity (ROE) | -10.2260% | 6,809 |
| Retained earnings to average equity (ytd only) | -10.2260% | 6,626 |
| Net charge-offs to loans | 0.2169% | 2,124 |
| Credit loss provision to net charge-offs | 121.6216% | 1,581 |
| Earnings coverage of net charge-offs (x) | -1.7027% | 4,007 |
| Efficiency ratio | 105.8659% | 398 |
| Assets per employee ($millions) | 4.7345% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2980% | 1,414 |
| Loan loss allowance to noncurrent loans | 10.5799% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 25.0703% | 9 |
| Noncurrent loans to loans | 21.7202% | 17 |
| Net loans and leases to total assets | 60.9088% | 3,267 |
| Net loans and leases to deposits | 63.2791% | 4,386 |
| Net loans and leases to core deposits | 64.0577% | 4,736 |
| Total domestic deposits to total assets | 96.2542% | 20 |
| Equity capital to assets | 3.4768% | 6,958 |
| Core capital (leverage) ratio | 3.4158% | 6,956 |
| Tier 1 risk-based capital ratio | 4.7344% | 6,963 |
| Total risk-based capital ratio | 5.9932% | 6,964 |
| Memoranda: | ||
| Average total assets | $108,777,500 | 4,641 |
| Average earning assets | $90,778,500 | 4,873 |
| Average equity | $3,872,500 | 6,544 |
| Average total loans | $68,239,500 | 4,414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 4,504 |
| Cost of funding earning assets | 0.6040% | 4,311 |
| Net interest margin | 3.6177% | 4,010 |
| Noninterest income to average assets | 0.5911% | 3,326 |
| Noninterest expense to average assets | 4.1907% | 776 |
| Loan and lease loss provision to assets | 0.6685% | 794 |
| Net operating income to assets | -1.2650% | 6,810 |
| Return on assets (ROA) | -1.1286% | 6,791 |
| Pretax return on assets | -1.1286% | 6,765 |
| Return on Equity (ROE) | -28.3123% | 6,948 |
| Retained earnings to average equity (ytd only) | -28.3123% | 6,925 |
| Net charge-offs to loans | 1.7343% | 474 |
| Credit loss provision to net charge-offs | 59.1900% | 4,471 |
| Earnings coverage of net charge-offs (x) | -0.5280% | 5,680 |
| Efficiency ratio | 116.5932% | 241 |
| Assets per employee ($millions) | 3.8808% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2626% | 1,433 |
| Loan loss allowance to noncurrent loans | 10.4427% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 26.1925% | 9 |
| Noncurrent loans to loans | 21.6669% | 18 |
| Net loans and leases to total assets | 61.6974% | 3,300 |
| Net loans and leases to deposits | 64.1762% | 4,509 |
| Net loans and leases to core deposits | 65.2772% | 4,809 |
| Total domestic deposits to total assets | 96.1375% | 23 |
| Equity capital to assets | 3.6434% | 7,017 |
| Core capital (leverage) ratio | 3.4570% | 7,016 |
| Tier 1 risk-based capital ratio | 4.7462% | 7,028 |
| Total risk-based capital ratio | 6.0053% | 7,029 |
| Memoranda: | ||
| Average total assets | $113,679,200 | 4,504 |
| Average earning assets | $94,368,400 | 4,750 |
| Average equity | $4,531,600 | 6,432 |
| Average total loans | $74,035,800 | 4,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 4,393 |
| Cost of funding earning assets | 0.6399% | 4,281 |
| Net interest margin | 3.6757% | 3,899 |
| Noninterest income to average assets | 0.6821% | 2,805 |
| Noninterest expense to average assets | 4.1832% | 736 |
| Loan and lease loss provision to assets | 0.6844% | 752 |
| Net operating income to assets | -1.1334% | 6,897 |
| Return on assets (ROA) | -0.9721% | 6,883 |
| Pretax return on assets | -0.9721% | 6,857 |
| Return on Equity (ROE) | -23.9010% | 7,029 |
| Retained earnings to average equity (ytd only) | -23.9010% | 7,018 |
| Net charge-offs to loans | 2.0796% | 332 |
| Credit loss provision to net charge-offs | 50.1701% | 4,397 |
| Earnings coverage of net charge-offs (x) | -0.3291% | 5,457 |
| Efficiency ratio | 112.0224% | 272 |
| Assets per employee ($millions) | 3.9955% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1198% | 1,867 |
| Loan loss allowance to noncurrent loans | 11.7369% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 23.8876% | 16 |
| Noncurrent loans to loans | 18.0614% | 57 |
| Net loans and leases to total assets | 61.4960% | 3,480 |
| Net loans and leases to deposits | 64.2744% | 4,678 |
| Net loans and leases to core deposits | 65.7876% | 4,974 |
| Total domestic deposits to total assets | 95.6773% | 31 |
| Equity capital to assets | 3.8838% | 7,103 |
| Core capital (leverage) ratio | 3.7825% | 7,101 |
| Tier 1 risk-based capital ratio | 5.2069% | 7,110 |
| Total risk-based capital ratio | 6.4636% | 7,110 |
| Memoranda: | ||
| Average total assets | $114,933,750 | 4,514 |
| Average earning assets | $95,436,250 | 4,753 |
| Average equity | $4,674,750 | 6,465 |
| Average total loans | $75,396,500 | 4,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 4,317 |
| Cost of funding earning assets | 0.6856% | 4,139 |
| Net interest margin | 3.6812% | 3,917 |
| Noninterest income to average assets | 0.4122% | 4,565 |
| Noninterest expense to average assets | 4.1482% | 782 |
| Loan and lease loss provision to assets | 0.3881% | 1,688 |
| Net operating income to assets | -1.0677% | 6,927 |
| Return on assets (ROA) | -0.8279% | 6,892 |
| Pretax return on assets | -0.8279% | 6,857 |
| Return on Equity (ROE) | -20.0641% | 7,037 |
| Retained earnings to average equity (ytd only) | -20.0641% | 7,013 |
| Net charge-offs to loans | 1.4008% | 730 |
| Credit loss provision to net charge-offs | 41.6667% | 4,227 |
| Earnings coverage of net charge-offs (x) | -0.7296% | 5,271 |
| Efficiency ratio | 119.5922% | 231 |
| Assets per employee ($millions) | 4.0484% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 1,510 |
| Loan loss allowance to noncurrent loans | 13.6406% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 23.6101% | 18 |
| Noncurrent loans to loans | 17.1909% | 69 |
| Net loans and leases to total assets | 64.6973% | 2,888 |
| Net loans and leases to deposits | 67.7735% | 4,239 |
| Net loans and leases to core deposits | 69.3560% | 4,618 |
| Total domestic deposits to total assets | 95.4611% | 43 |
| Equity capital to assets | 4.0590% | 7,140 |
| Core capital (leverage) ratio | 4.0257% | 7,131 |
| Tier 1 risk-based capital ratio | 5.3981% | 7,148 |
| Total risk-based capital ratio | 6.6582% | 7,150 |
| Memoranda: | ||
| Average total assets | $115,953,670 | 4,509 |
| Average earning assets | $96,272,000 | 4,756 |
| Average equity | $4,784,670 | 6,454 |
| Average total loans | $77,099,330 | 4,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 4,573 |
| Cost of funding earning assets | 0.7601% | 3,785 |
| Net interest margin | 3.5789% | 4,355 |
| Noninterest income to average assets | 0.1262% | 6,620 |
| Noninterest expense to average assets | 4.0835% | 842 |
| Loan and lease loss provision to assets | 0.5970% | 964 |
| Net operating income to assets | -1.5829% | 7,104 |
| Return on assets (ROA) | -1.1838% | 7,048 |
| Pretax return on assets | -1.1838% | 7,019 |
| Return on Equity (ROE) | -28.4630% | 7,159 |
| Retained earnings to average equity (ytd only) | -28.4630% | 7,120 |
| Net charge-offs to loans | 1.3521% | 746 |
| Credit loss provision to net charge-offs | 66.2879% | 2,990 |
| Earnings coverage of net charge-offs (x) | -1.0947% | 4,560 |
| Efficiency ratio | 131.8282% | 157 |
| Assets per employee ($millions) | 4.1709% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 1,261 |
| Loan loss allowance to noncurrent loans | 15.2553% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 23.6083% | 21 |
| Noncurrent loans to loans | 16.8604% | 87 |
| Net loans and leases to total assets | 64.4475% | 2,772 |
| Net loans and leases to deposits | 67.3211% | 4,178 |
| Net loans and leases to core deposits | 68.8452% | 4,585 |
| Total domestic deposits to total assets | 95.7315% | 43 |
| Equity capital to assets | 4.0031% | 7,186 |
| Core capital (leverage) ratio | 4.0596% | 7,173 |
| Tier 1 risk-based capital ratio | 5.3856% | 7,197 |
| Total risk-based capital ratio | 6.6483% | 7,198 |
| Memoranda: | ||
| Average total assets | $117,253,500 | 4,508 |
| Average earning assets | $97,349,500 | 4,767 |
| Average equity | $4,876,500 | 6,463 |
| Average total loans | $78,100,000 | 4,179 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 5,223 |
| Cost of funding earning assets | 1.0353% | 3,119 |
| Net interest margin | 3.4236% | 5,413 |
| Noninterest income to average assets | -0.7011% | 7,291 |
| Noninterest expense to average assets | 4.1779% | 833 |
| Loan and lease loss provision to assets | 0.2121% | 4,070 |
| Net operating income to assets | -2.2320% | 7,067 |
| Return on assets (ROA) | -2.0454% | 7,045 |
| Pretax return on assets | -2.0454% | 7,035 |
| Return on Equity (ROE) | -38.6127% | 7,154 |
| Retained earnings to average equity (ytd only) | -38.6127% | 7,149 |
| Net charge-offs to loans | 1.4660% | 1,099 |
| Credit loss provision to net charge-offs | 22.3033% | 5,886 |
| Earnings coverage of net charge-offs (x) | -2.1241% | 6,285 |
| Efficiency ratio | 193.6026% | 62 |
| Assets per employee ($millions) | 4.2044% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 1,157 |
| Loan loss allowance to noncurrent loans | 16.5484% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 22.8810% | 33 |
| Noncurrent loans to loans | 15.8902% | 115 |
| Net loans and leases to total assets | 65.2996% | 2,917 |
| Net loans and leases to deposits | 68.3835% | 4,383 |
| Net loans and leases to core deposits | 69.6746% | 4,823 |
| Total domestic deposits to total assets | 95.4902% | 46 |
| Equity capital to assets | 4.3136% | 7,204 |
| Core capital (leverage) ratio | 4.1778% | 7,197 |
| Tier 1 risk-based capital ratio | 5.7087% | 7,213 |
| Total risk-based capital ratio | 6.9725% | 7,213 |
| Memoranda: | ||
| Average total assets | $129,659,000 | 4,178 |
| Average earning assets | $108,279,200 | 4,443 |
| Average equity | $6,868,200 | 5,900 |
| Average total loans | $84,105,800 | 4,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 5,254 |
| Cost of funding earning assets | 1.0674% | 3,194 |
| Net interest margin | 3.4317% | 5,456 |
| Noninterest income to average assets | 0.1256% | 6,624 |
| Noninterest expense to average assets | 4.1524% | 841 |
| Loan and lease loss provision to assets | 0.2764% | 3,303 |
| Net operating income to assets | -1.4334% | 7,025 |
| Return on assets (ROA) | -1.1901% | 6,975 |
| Pretax return on assets | -1.1901% | 6,936 |
| Return on Equity (ROE) | -21.5785% | 7,113 |
| Retained earnings to average equity (ytd only) | -21.5785% | 7,100 |
| Net charge-offs to loans | 1.5379% | 937 |
| Credit loss provision to net charge-offs | 27.9188% | 5,440 |
| Earnings coverage of net charge-offs (x) | -1.1685% | 5,949 |
| Efficiency ratio | 138.6242% | 188 |
| Assets per employee ($millions) | 4.0210% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8506% | 980 |
| Loan loss allowance to noncurrent loans | 26.1623% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 18.8501% | 71 |
| Noncurrent loans to loans | 10.8956% | 298 |
| Net loans and leases to total assets | 63.5401% | 3,407 |
| Net loans and leases to deposits | 67.2994% | 4,724 |
| Net loans and leases to core deposits | 68.3748% | 5,138 |
| Total domestic deposits to total assets | 94.4140% | 68 |
| Equity capital to assets | 5.2506% | 7,246 |
| Core capital (leverage) ratio | 5.0676% | 7,234 |
| Tier 1 risk-based capital ratio | 7.2992% | 7,226 |
| Total risk-based capital ratio | 8.5662% | 7,227 |
| Memoranda: | ||
| Average total assets | $132,643,250 | 4,138 |
| Average earning assets | $110,925,250 | 4,393 |
| Average equity | $7,315,750 | 5,815 |
| Average total loans | $85,395,250 | 4,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 5,669 |
| Cost of funding earning assets | 1.0957% | 3,276 |
| Net interest margin | 3.3102% | 5,826 |
| Noninterest income to average assets | 1.0628% | 1,165 |
| Noninterest expense to average assets | 4.0914% | 924 |
| Loan and lease loss provision to assets | 0.3400% | 2,747 |
| Net operating income to assets | -0.6046% | 6,761 |
| Return on assets (ROA) | -0.3134% | 6,591 |
| Pretax return on assets | -0.3134% | 6,541 |
| Return on Equity (ROE) | -5.5991% | 6,750 |
| Retained earnings to average equity (ytd only) | -5.5991% | 6,615 |
| Net charge-offs to loans | 1.2713% | 1,223 |
| Credit loss provision to net charge-offs | 41.7423% | 4,781 |
| Earnings coverage of net charge-offs (x) | -0.3249% | 5,464 |
| Efficiency ratio | 106.9139% | 539 |
| Assets per employee ($millions) | 3.9481% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2357% | 733 |
| Loan loss allowance to noncurrent loans | 25.4503% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 21.0119% | 53 |
| Noncurrent loans to loans | 12.7136% | 218 |
| Net loans and leases to total assets | 62.2728% | 3,832 |
| Net loans and leases to deposits | 66.2540% | 4,961 |
| Net loans and leases to core deposits | 67.8554% | 5,304 |
| Total domestic deposits to total assets | 93.9910% | 82 |
| Equity capital to assets | 5.7035% | 7,275 |
| Core capital (leverage) ratio | 5.6353% | 7,244 |
| Tier 1 risk-based capital ratio | 8.0142% | 7,244 |
| Total risk-based capital ratio | 9.2840% | 7,247 |
| Memoranda: | ||
| Average total assets | $135,307,000 | 4,121 |
| Average earning assets | $112,983,670 | 4,358 |
| Average equity | $7,572,670 | 5,741 |
| Average total loans | $86,684,330 | 4,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 5,897 |
| Cost of funding earning assets | 1.1332% | 3,279 |
| Net interest margin | 3.2021% | 6,062 |
| Noninterest income to average assets | 0.5747% | 3,340 |
| Noninterest expense to average assets | 3.8225% | 1,302 |
| Loan and lease loss provision to assets | 0.3483% | 2,473 |
| Net operating income to assets | -0.9143% | 7,014 |
| Return on assets (ROA) | -0.5805% | 6,860 |
| Pretax return on assets | -0.5805% | 6,806 |
| Return on Equity (ROE) | -10.4664% | 7,038 |
| Retained earnings to average equity (ytd only) | -10.4664% | 6,888 |
| Net charge-offs to loans | 0.8263% | 1,591 |
| Credit loss provision to net charge-offs | 65.9341% | 3,436 |
| Earnings coverage of net charge-offs (x) | -1.0714% | 4,901 |
| Efficiency ratio | 117.3797% | 375 |
| Assets per employee ($millions) | 3.7724% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4500% | 636 |
| Loan loss allowance to noncurrent loans | 22.8809% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 21.4667% | 49 |
| Noncurrent loans to loans | 15.0781% | 148 |
| Net loans and leases to total assets | 61.2440% | 4,023 |
| Net loans and leases to deposits | 64.9236% | 5,140 |
| Net loans and leases to core deposits | 66.2902% | 5,479 |
| Total domestic deposits to total assets | 94.3324% | 67 |
| Equity capital to assets | 5.4313% | 7,343 |
| Core capital (leverage) ratio | 5.4942% | 7,315 |
| Tier 1 risk-based capital ratio | 7.8687% | 7,306 |
| Total risk-based capital ratio | 9.1417% | 7,307 |
| Memoranda: | ||
| Average total assets | $137,816,500 | 4,101 |
| Average earning assets | $115,426,000 | 4,313 |
| Average equity | $7,643,500 | 5,730 |
| Average total loans | $88,103,000 | 4,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 6,211 |
| Cost of funding earning assets | 1.5216% | 2,519 |
| Net interest margin | 3.0402% | 6,659 |
| Noninterest income to average assets | 0.7990% | 2,294 |
| Noninterest expense to average assets | 4.6045% | 590 |
| Loan and lease loss provision to assets | 0.3904% | 3,771 |
| Net operating income to assets | -1.5830% | 6,935 |
| Return on assets (ROA) | -1.5414% | 6,942 |
| Pretax return on assets | -1.5414% | 6,871 |
| Return on Equity (ROE) | -28.3082% | 7,195 |
| Retained earnings to average equity (ytd only) | -28.3082% | 7,183 |
| Net charge-offs to loans | 2.4971% | 752 |
| Credit loss provision to net charge-offs | 24.0674% | 6,530 |
| Earnings coverage of net charge-offs (x) | -0.7353% | 6,534 |
| Efficiency ratio | 134.9542% | 281 |
| Assets per employee ($millions) | 3.8841% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3688% | 645 |
| Loan loss allowance to noncurrent loans | 36.2225% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 17.9837% | 92 |
| Noncurrent loans to loans | 9.3004% | 482 |
| Net loans and leases to total assets | 62.2391% | 4,233 |
| Net loans and leases to deposits | 66.0918% | 5,387 |
| Net loans and leases to core deposits | 67.4461% | 5,722 |
| Total domestic deposits to total assets | 94.1707% | 80 |
| Equity capital to assets | 5.6577% | 7,384 |
| Core capital (leverage) ratio | 5.3059% | 7,383 |
| Tier 1 risk-based capital ratio | 7.7499% | 7,367 |
| Total risk-based capital ratio | 9.0223% | 7,370 |
| Memoranda: | ||
| Average total assets | $153,696,200 | 3,812 |
| Average earning assets | $132,096,800 | 3,973 |
| Average equity | $8,368,600 | 5,596 |
| Average total loans | $99,836,400 | 3,794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 6,643 |
| Cost of funding earning assets | 1.5705% | 2,547 |
| Net interest margin | 2.9142% | 6,986 |
| Noninterest income to average assets | 0.7788% | 2,330 |
| Noninterest expense to average assets | 4.7745% | 452 |
| Loan and lease loss provision to assets | 0.5090% | 2,912 |
| Net operating income to assets | -1.9860% | 7,236 |
| Return on assets (ROA) | -1.9317% | 7,237 |
| Pretax return on assets | -1.9317% | 7,182 |
| Return on Equity (ROE) | -35.7883% | 7,457 |
| Retained earnings to average equity (ytd only) | -35.7883% | 7,454 |
| Net charge-offs to loans | 3.0751% | 490 |
| Credit loss provision to net charge-offs | 25.4345% | 6,199 |
| Earnings coverage of net charge-offs (x) | -0.7380% | 6,401 |
| Efficiency ratio | 144.7903% | 227 |
| Assets per employee ($millions) | 4.1791% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3489% | 603 |
| Loan loss allowance to noncurrent loans | 32.4990% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 16.0819% | 122 |
| Noncurrent loans to loans | 10.3047% | 395 |
| Net loans and leases to total assets | 60.7714% | 4,766 |
| Net loans and leases to deposits | 64.3846% | 5,866 |
| Net loans and leases to core deposits | 65.8699% | 6,134 |
| Total domestic deposits to total assets | 94.3881% | 59 |
| Equity capital to assets | 5.3633% | 7,545 |
| Core capital (leverage) ratio | 5.0399% | 7,541 |
| Tier 1 risk-based capital ratio | 7.7185% | 7,503 |
| Total risk-based capital ratio | 8.9915% | 7,505 |
| Memoranda: | ||
| Average total assets | $157,163,500 | 3,812 |
| Average earning assets | $135,835,500 | 3,949 |
| Average equity | $8,483,000 | 5,627 |
| Average total loans | $102,280,250 | 3,789 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 6,584 |
| Cost of funding earning assets | 1.6187% | 2,551 |
| Net interest margin | 2.9338% | 6,963 |
| Noninterest income to average assets | 0.7779% | 2,247 |
| Noninterest expense to average assets | 4.7917% | 436 |
| Loan and lease loss provision to assets | 0.6273% | 2,288 |
| Net operating income to assets | -2.1079% | 7,337 |
| Return on assets (ROA) | -2.0276% | 7,321 |
| Pretax return on assets | -2.0276% | 7,247 |
| Return on Equity (ROE) | -37.4899% | 7,511 |
| Retained earnings to average equity (ytd only) | -37.4899% | 7,501 |
| Net charge-offs to loans | 2.2739% | 784 |
| Credit loss provision to net charge-offs | 41.9463% | 5,579 |
| Earnings coverage of net charge-offs (x) | -0.9899% | 6,118 |
| Efficiency ratio | 144.7139% | 229 |
| Assets per employee ($millions) | 4.3676% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2803% | 297 |
| Loan loss allowance to noncurrent loans | 43.2584% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 16.0495% | 114 |
| Noncurrent loans to loans | 9.8947% | 452 |
| Net loans and leases to total assets | 60.2339% | 5,012 |
| Net loans and leases to deposits | 63.6249% | 6,070 |
| Net loans and leases to core deposits | 65.0219% | 6,310 |
| Total domestic deposits to total assets | 94.6703% | 55 |
| Equity capital to assets | 5.0759% | 7,628 |
| Core capital (leverage) ratio | 5.0172% | 7,602 |
| Tier 1 risk-based capital ratio | 7.5685% | 7,556 |
| Total risk-based capital ratio | 8.8524% | 7,559 |
| Memoranda: | ||
| Average total assets | $159,401,670 | 3,801 |
| Average earning assets | $137,638,000 | 3,942 |
| Average equity | $8,621,000 | 5,604 |
| Average total loans | $104,841,000 | 3,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 7,187 |
| Cost of funding earning assets | 1.6993% | 2,394 |
| Net interest margin | 2.5633% | 7,417 |
| Noninterest income to average assets | 0.7427% | 2,343 |
| Noninterest expense to average assets | 4.4265% | 625 |
| Loan and lease loss provision to assets | 0.9347% | 1,350 |
| Net operating income to assets | -2.4077% | 7,538 |
| Return on assets (ROA) | -2.4077% | 7,544 |
| Pretax return on assets | -2.4077% | 7,499 |
| Return on Equity (ROE) | -43.2166% | 7,668 |
| Retained earnings to average equity (ytd only) | -43.2166% | 7,654 |
| Net charge-offs to loans | 2.5494% | 638 |
| Credit loss provision to net charge-offs | 54.5852% | 4,409 |
| Earnings coverage of net charge-offs (x) | -0.8603% | 5,361 |
| Efficiency ratio | 149.8734% | 211 |
| Assets per employee ($millions) | 4.1136% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4024% | 273 |
| Loan loss allowance to noncurrent loans | 31.8144% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 18.9750% | 70 |
| Noncurrent loans to loans | 13.8379% | 220 |
| Net loans and leases to total assets | 62.4645% | 4,665 |
| Net loans and leases to deposits | 66.1223% | 5,808 |
| Net loans and leases to core deposits | 67.5495% | 6,143 |
| Total domestic deposits to total assets | 94.4681% | 59 |
| Equity capital to assets | 5.3175% | 7,691 |
| Core capital (leverage) ratio | 5.2377% | 7,684 |
| Tier 1 risk-based capital ratio | 7.5151% | 7,656 |
| Total risk-based capital ratio | 8.8005% | 7,663 |
| Memoranda: | ||
| Average total assets | $160,486,500 | 3,837 |
| Average earning assets | $138,413,500 | 3,994 |
| Average equity | $8,941,000 | 5,560 |
| Average total loans | $107,790,500 | 3,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 6,629 |
| Cost of funding earning assets | 2.6055% | 767 |
| Net interest margin | 2.3277% | 7,566 |
| Noninterest income to average assets | 1.1612% | 1,142 |
| Noninterest expense to average assets | 3.6263% | 2,087 |
| Loan and lease loss provision to assets | 3.3691% | 472 |
| Net operating income to assets | -3.7803% | 7,570 |
| Return on assets (ROA) | -3.5753% | 7,533 |
| Pretax return on assets | -3.5753% | 7,437 |
| Return on Equity (ROE) | -50.7439% | 7,689 |
| Retained earnings to average equity (ytd only) | -50.7439% | 7,680 |
| Net charge-offs to loans | 4.2143% | 368 |
| Credit loss provision to net charge-offs | 115.1612% | 4,739 |
| Earnings coverage of net charge-offs (x) | -0.1406% | 6,378 |
| Efficiency ratio | 112.7899% | 748 |
| Assets per employee ($millions) | 4.0135% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4486% | 263 |
| Loan loss allowance to noncurrent loans | 36.5450% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 18.0016% | 82 |
| Noncurrent loans to loans | 12.1730% | 272 |
| Net loans and leases to total assets | 65.9184% | 4,170 |
| Net loans and leases to deposits | 70.1983% | 5,580 |
| Net loans and leases to core deposits | 87.4371% | 5,391 |
| Total domestic deposits to total assets | 93.9031% | 77 |
| Equity capital to assets | 5.8247% | 7,687 |
| Core capital (leverage) ratio | 5.6820% | 7,682 |
| Tier 1 risk-based capital ratio | 7.9598% | 7,660 |
| Total risk-based capital ratio | 9.2463% | 7,663 |
| Memoranda: | ||
| Average total assets | $182,391,400 | 3,401 |
| Average earning assets | $160,929,200 | 3,500 |
| Average equity | $12,850,800 | 4,547 |
| Average total loans | $126,617,200 | 3,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 6,773 |
| Cost of funding earning assets | 2.7530% | 683 |
| Net interest margin | 2.1942% | 7,713 |
| Noninterest income to average assets | 2.0022% | 365 |
| Noninterest expense to average assets | 3.8256% | 1,547 |
| Loan and lease loss provision to assets | 4.0420% | 297 |
| Net operating income to assets | -3.9200% | 7,737 |
| Return on assets (ROA) | -3.8107% | 7,727 |
| Pretax return on assets | -3.8107% | 7,659 |
| Return on Equity (ROE) | -52.1537% | 7,848 |
| Retained earnings to average equity (ytd only) | -52.1537% | 7,842 |
| Net charge-offs to loans | 4.9398% | 236 |
| Credit loss provision to net charge-offs | 117.7139% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.0356% | 6,015 |
| Efficiency ratio | 96.9076% | 1,217 |
| Assets per employee ($millions) | 3.5727% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2845% | 242 |
| Loan loss allowance to noncurrent loans | 36.9449% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 18.1640% | 66 |
| Noncurrent loans to loans | 11.5969% | 298 |
| Net loans and leases to total assets | 67.6285% | 4,043 |
| Net loans and leases to deposits | 73.0481% | 5,502 |
| Net loans and leases to core deposits | 91.3471% | 5,295 |
| Total domestic deposits to total assets | 92.5807% | 116 |
| Equity capital to assets | 6.6672% | 7,720 |
| Core capital (leverage) ratio | 6.1697% | 7,770 |
| Tier 1 risk-based capital ratio | 8.4779% | 7,733 |
| Total risk-based capital ratio | 9.7619% | 7,755 |
| Memoranda: | ||
| Average total assets | $187,854,000 | 3,336 |
| Average earning assets | $166,552,750 | 3,436 |
| Average equity | $13,725,750 | 4,354 |
| Average total loans | $130,583,250 | 3,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 7,104 |
| Cost of funding earning assets | 2.9057% | 600 |
| Net interest margin | 1.9604% | 7,884 |
| Noninterest income to average assets | 3.3216% | 190 |
| Noninterest expense to average assets | 3.7856% | 1,681 |
| Loan and lease loss provision to assets | 2.5499% | 606 |
| Net operating income to assets | -1.2612% | 7,142 |
| Return on assets (ROA) | -1.2213% | 7,130 |
| Pretax return on assets | -1.2213% | 6,954 |
| Return on Equity (ROE) | -16.3155% | 7,392 |
| Retained earnings to average equity (ytd only) | -16.3155% | 7,317 |
| Net charge-offs to loans | 3.7945% | 387 |
| Credit loss provision to net charge-offs | 97.1195% | 4,702 |
| Earnings coverage of net charge-offs (x) | 0.4909% | 5,211 |
| Efficiency ratio | 74.6022% | 3,940 |
| Assets per employee ($millions) | 3.8123% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2238% | 477 |
| Loan loss allowance to noncurrent loans | 32.0927% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 14.7445% | 105 |
| Noncurrent loans to loans | 10.0453% | 348 |
| Net loans and leases to total assets | 67.7524% | 4,194 |
| Net loans and leases to deposits | 74.6000% | 5,363 |
| Net loans and leases to core deposits | 93.4061% | 5,185 |
| Total domestic deposits to total assets | 90.8209% | 517 |
| Equity capital to assets | 8.3447% | 6,272 |
| Core capital (leverage) ratio | 8.0666% | 6,223 |
| Tier 1 risk-based capital ratio | 11.0931% | 5,782 |
| Total risk-based capital ratio | 12.3659% | 5,678 |
| Memoranda: | ||
| Average total assets | $195,691,330 | 3,269 |
| Average earning assets | $174,967,000 | 3,329 |
| Average equity | $14,648,670 | 4,173 |
| Average total loans | $135,405,330 | 3,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 7,488 |
| Cost of funding earning assets | 3.1677% | 376 |
| Net interest margin | 1.5468% | 8,049 |
| Noninterest income to average assets | 6.9645% | 96 |
| Noninterest expense to average assets | 3.9226% | 1,279 |
| Loan and lease loss provision to assets | 3.9128% | 244 |
| Net operating income to assets | 0.5197% | 4,340 |
| Return on assets (ROA) | 0.5962% | 4,227 |
| Pretax return on assets | 0.5962% | 4,763 |
| Return on Equity (ROE) | 8.3879% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.3879% | 1,668 |
| Net charge-offs to loans | 5.3623% | 187 |
| Credit loss provision to net charge-offs | 106.0043% | 3,590 |
| Earnings coverage of net charge-offs (x) | 1.2009% | 4,148 |
| Efficiency ratio | 46.9484% | 7,793 |
| Assets per employee ($millions) | 3.9350% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1085% | 438 |
| Loan loss allowance to noncurrent loans | 29.5916% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 14.4057% | 89 |
| Noncurrent loans to loans | 10.5048% | 257 |
| Net loans and leases to total assets | 71.3058% | 3,407 |
| Net loans and leases to deposits | 78.0861% | 4,910 |
| Net loans and leases to core deposits | 97.5588% | 4,793 |
| Total domestic deposits to total assets | 91.3170% | 320 |
| Equity capital to assets | 7.9661% | 6,860 |
| Core capital (leverage) ratio | 6.4599% | 7,896 |
| Tier 1 risk-based capital ratio | 10.0184% | 6,894 |
| Total risk-based capital ratio | 11.2890% | 6,790 |
| Memoranda: | ||
| Average total assets | $203,947,500 | 3,201 |
| Average earning assets | $183,352,000 | 3,244 |
| Average equity | $14,497,000 | 4,229 |
| Average total loans | $140,387,000 | 3,162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7011% | 6,775 |
| Cost of funding earning assets | 3.0836% | 1,559 |
| Net interest margin | 2.6176% | 7,624 |
| Noninterest income to average assets | 0.5973% | 3,859 |
| Noninterest expense to average assets | 3.4477% | 2,535 |
| Loan and lease loss provision to assets | 3.3843% | 250 |
| Net operating income to assets | -3.8436% | 7,960 |
| Return on assets (ROA) | -3.7087% | 7,922 |
| Pretax return on assets | -3.7087% | 7,845 |
| Return on Equity (ROE) | -48.4695% | 8,144 |
| Retained earnings to average equity (ytd only) | -48.4695% | 8,127 |
| Net charge-offs to loans | 4.1264% | 153 |
| Credit loss provision to net charge-offs | 112.0507% | 4,814 |
| Earnings coverage of net charge-offs (x) | -0.1521% | 6,352 |
| Efficiency ratio | 115.3704% | 620 |
| Assets per employee ($millions) | 4.1287% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 494 |
| Loan loss allowance to noncurrent loans | 23.1309% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 13.2618% | 79 |
| Noncurrent loans to loans | 12.3064% | 119 |
| Net loans and leases to total assets | 63.0403% | 5,445 |
| Net loans and leases to deposits | 68.5401% | 6,414 |
| Net loans and leases to core deposits | 86.4734% | 6,102 |
| Total domestic deposits to total assets | 91.9757% | 138 |
| Equity capital to assets | 6.3966% | 7,968 |
| Core capital (leverage) ratio | 6.4393% | 7,954 |
| Tier 1 risk-based capital ratio | 9.1341% | 7,681 |
| Total risk-based capital ratio | 10.4019% | 7,628 |
| Memoranda: | ||
| Average total assets | $234,907,400 | 2,703 |
| Average earning assets | $214,589,200 | 2,716 |
| Average equity | $17,974,200 | 3,562 |
| Average total loans | $171,941,200 | 2,585 |