Home > Union Bank and Trust Company > Performance and Condition Ratios
Union Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.8147% | 4,800 |
| Cost of funding earning assets | 0.4296% | 4,510 |
| Net interest margin | 3.3851% | 4,338 |
| Noninterest income to average assets | 0.6580% | 2,838 |
| Noninterest expense to average assets | 3.5967% | 1,406 |
| Loan and lease loss provision to assets | 0.3285% | 1,009 |
| Net operating income to assets | -0.2575% | 6,497 |
| Return on assets (ROA) | -0.3459% | 6,560 |
| Pretax return on assets | -0.3459% | 6,540 |
| Return on Equity (ROE) | -4.5755% | 6,591 |
| Retained earnings to average equity (ytd only) | -4.5755% | 6,475 |
| Net charge-offs to loans | 0.1652% | 2,906 |
| Credit loss provision to net charge-offs | 327.1739% | 785 |
| Earnings coverage of net charge-offs (x) | 0.7065% | 4,614 |
| Efficiency ratio | 98.0661% | 527 |
| Assets per employee ($millions) | 2.6739% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,248 |
| Loan loss allowance to noncurrent loans | 30.7812% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 3.6529% | 906 |
| Noncurrent loans to loans | 5.9045% | 440 |
| Net loans and leases to total assets | 60.7416% | 3,573 |
| Net loans and leases to deposits | 66.1007% | 4,296 |
| Net loans and leases to core deposits | 67.4269% | 4,581 |
| Total domestic deposits to total assets | 91.8926% | 258 |
| Equity capital to assets | 7.1489% | 6,507 |
| Core capital (leverage) ratio | 7.1434% | 6,560 |
| Tier 1 risk-based capital ratio | 9.9975% | 6,596 |
| Total risk-based capital ratio | 11.2897% | 6,553 |
| Memoranda: | ||
| Average total assets | $122,184,500 | 4,271 |
| Average earning assets | $108,630,000 | 4,341 |
| Average equity | $9,237,500 | 5,084 |
| Average total loans | $74,261,750 | 4,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,948 |
| Cost of funding earning assets | 0.4270% | 4,688 |
| Net interest margin | 3.3366% | 4,429 |
| Noninterest income to average assets | 0.7382% | 2,464 |
| Noninterest expense to average assets | 3.7929% | 1,107 |
| Loan and lease loss provision to assets | 0.3708% | 880 |
| Net operating income to assets | -0.4511% | 6,620 |
| Return on assets (ROA) | -0.5807% | 6,673 |
| Pretax return on assets | -0.5807% | 6,656 |
| Return on Equity (ROE) | -7.5434% | 6,704 |
| Retained earnings to average equity (ytd only) | -7.5434% | 6,594 |
| Net charge-offs to loans | 0.2525% | 2,210 |
| Credit loss provision to net charge-offs | 243.0108% | 1,039 |
| Earnings coverage of net charge-offs (x) | -0.5269% | 4,664 |
| Efficiency ratio | 102.1653% | 424 |
| Assets per employee ($millions) | 2.5523% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,527 |
| Loan loss allowance to noncurrent loans | 29.2092% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 3.7262% | 988 |
| Noncurrent loans to loans | 6.0613% | 459 |
| Net loans and leases to total assets | 59.5525% | 3,742 |
| Net loans and leases to deposits | 64.8553% | 4,392 |
| Net loans and leases to core deposits | 66.1610% | 4,671 |
| Total domestic deposits to total assets | 91.8237% | 282 |
| Equity capital to assets | 7.1911% | 6,547 |
| Core capital (leverage) ratio | 7.2315% | 6,551 |
| Tier 1 risk-based capital ratio | 10.0262% | 6,629 |
| Total risk-based capital ratio | 11.3134% | 6,595 |
| Memoranda: | ||
| Average total assets | $121,913,330 | 4,303 |
| Average earning assets | $108,674,000 | 4,369 |
| Average equity | $9,385,670 | 5,086 |
| Average total loans | $73,651,000 | 4,185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 5,144 |
| Cost of funding earning assets | 0.4254% | 4,858 |
| Net interest margin | 3.2787% | 4,593 |
| Noninterest income to average assets | 0.5756% | 3,271 |
| Noninterest expense to average assets | 3.7233% | 1,210 |
| Loan and lease loss provision to assets | 0.3848% | 821 |
| Net operating income to assets | -0.5920% | 6,711 |
| Return on assets (ROA) | -0.8519% | 6,786 |
| Pretax return on assets | -0.8519% | 6,765 |
| Return on Equity (ROE) | -10.7097% | 6,818 |
| Retained earnings to average equity (ytd only) | -10.7097% | 6,641 |
| Net charge-offs to loans | 0.6981% | 879 |
| Credit loss provision to net charge-offs | 91.4063% | 2,001 |
| Earnings coverage of net charge-offs (x) | -0.4922% | 3,923 |
| Efficiency ratio | 105.8934% | 397 |
| Assets per employee ($millions) | 2.5066% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,365 |
| Loan loss allowance to noncurrent loans | 25.8043% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 3.8241% | 1,076 |
| Noncurrent loans to loans | 6.2383% | 522 |
| Net loans and leases to total assets | 59.4880% | 3,521 |
| Net loans and leases to deposits | 65.3527% | 4,140 |
| Net loans and leases to core deposits | 66.7036% | 4,444 |
| Total domestic deposits to total assets | 91.0261% | 519 |
| Equity capital to assets | 7.9109% | 6,427 |
| Core capital (leverage) ratio | 7.7657% | 6,313 |
| Tier 1 risk-based capital ratio | 10.6230% | 6,546 |
| Total risk-based capital ratio | 11.9118% | 6,497 |
| Memoranda: | ||
| Average total assets | $121,614,000 | 4,353 |
| Average earning assets | $109,067,000 | 4,393 |
| Average equity | $9,673,500 | 5,072 |
| Average total loans | $73,339,500 | 4,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 4,103 |
| Cost of funding earning assets | 0.4159% | 5,813 |
| Net interest margin | 3.9102% | 2,785 |
| Noninterest income to average assets | 0.6235% | 3,149 |
| Noninterest expense to average assets | 3.7114% | 1,395 |
| Loan and lease loss provision to assets | 0.5224% | 1,116 |
| Net operating income to assets | -0.2357% | 6,397 |
| Return on assets (ROA) | 0.0042% | 6,299 |
| Pretax return on assets | 0.2502% | 5,909 |
| Return on Equity (ROE) | 0.0493% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.0493% | 5,807 |
| Net charge-offs to loans | 0.7444% | 1,577 |
| Credit loss provision to net charge-offs | 116.9811% | 2,469 |
| Earnings coverage of net charge-offs (x) | 0.8906% | 5,028 |
| Efficiency ratio | 90.1374% | 1,058 |
| Assets per employee ($millions) | 2.5607% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,315 |
| Loan loss allowance to noncurrent loans | 25.6957% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 3.7978% | 1,155 |
| Noncurrent loans to loans | 6.2217% | 561 |
| Net loans and leases to total assets | 59.1906% | 3,754 |
| Net loans and leases to deposits | 65.0016% | 4,427 |
| Net loans and leases to core deposits | 66.3139% | 4,708 |
| Total domestic deposits to total assets | 91.0603% | 473 |
| Equity capital to assets | 7.9967% | 6,406 |
| Core capital (leverage) ratio | 7.9180% | 6,271 |
| Tier 1 risk-based capital ratio | 10.6959% | 6,476 |
| Total risk-based capital ratio | 11.9683% | 6,430 |
| Memoranda: | ||
| Average total assets | $118,689,000 | 4,387 |
| Average earning assets | $105,799,000 | 4,457 |
| Average equity | $10,144,800 | 4,952 |
| Average total loans | $71,199,600 | 4,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 3,735 |
| Cost of funding earning assets | 0.4111% | 6,056 |
| Net interest margin | 4.0639% | 2,239 |
| Noninterest income to average assets | 0.7583% | 2,436 |
| Noninterest expense to average assets | 3.8594% | 1,117 |
| Loan and lease loss provision to assets | 0.6177% | 869 |
| Net operating income to assets | -0.0816% | 6,387 |
| Return on assets (ROA) | 0.2392% | 6,002 |
| Pretax return on assets | 0.2868% | 5,985 |
| Return on Equity (ROE) | 2.7517% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.7517% | 4,905 |
| Net charge-offs to loans | 0.9378% | 1,153 |
| Credit loss provision to net charge-offs | 109.8790% | 2,673 |
| Earnings coverage of net charge-offs (x) | 0.9214% | 4,863 |
| Efficiency ratio | 87.9337% | 1,201 |
| Assets per employee ($millions) | 2.4153% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,578 |
| Loan loss allowance to noncurrent loans | 487.6068% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,176 |
| Noncurrent loans to loans | 0.3252% | 5,824 |
| Net loans and leases to total assets | 58.6400% | 4,017 |
| Net loans and leases to deposits | 64.6698% | 4,636 |
| Net loans and leases to core deposits | 66.3146% | 4,920 |
| Total domestic deposits to total assets | 90.6760% | 528 |
| Equity capital to assets | 8.6574% | 6,138 |
| Core capital (leverage) ratio | 8.0836% | 6,247 |
| Tier 1 risk-based capital ratio | 11.1692% | 6,409 |
| Total risk-based capital ratio | 12.4414% | 6,367 |
| Memoranda: | ||
| Average total assets | $117,633,000 | 4,453 |
| Average earning assets | $104,757,250 | 4,518 |
| Average equity | $10,223,750 | 4,973 |
| Average total loans | $70,515,750 | 4,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 4,022 |
| Cost of funding earning assets | 0.4020% | 6,255 |
| Net interest margin | 4.0395% | 2,340 |
| Noninterest income to average assets | 0.7891% | 2,238 |
| Noninterest expense to average assets | 3.9077% | 1,066 |
| Loan and lease loss provision to assets | 0.8062% | 616 |
| Net operating income to assets | -0.3397% | 6,646 |
| Return on assets (ROA) | -0.2796% | 6,663 |
| Pretax return on assets | -0.2796% | 6,627 |
| Return on Equity (ROE) | -3.2129% | 6,686 |
| Retained earnings to average equity (ytd only) | -3.2129% | 6,487 |
| Net charge-offs to loans | 1.4250% | 709 |
| Credit loss provision to net charge-offs | 94.1884% | 2,927 |
| Earnings coverage of net charge-offs (x) | 0.5451% | 4,797 |
| Efficiency ratio | 88.9804% | 1,150 |
| Assets per employee ($millions) | 2.3190% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 4,044 |
| Loan loss allowance to noncurrent loans | 163.3846% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 4,931 |
| Noncurrent loans to loans | 0.9136% | 4,673 |
| Net loans and leases to total assets | 58.1172% | 4,137 |
| Net loans and leases to deposits | 64.4169% | 4,707 |
| Net loans and leases to core deposits | 65.3900% | 5,068 |
| Total domestic deposits to total assets | 90.2205% | 801 |
| Equity capital to assets | 8.5107% | 6,201 |
| Core capital (leverage) ratio | 7.8608% | 6,402 |
| Tier 1 risk-based capital ratio | 10.4815% | 6,703 |
| Total risk-based capital ratio | 11.8979% | 6,631 |
| Memoranda: | ||
| Average total assets | $116,589,330 | 4,491 |
| Average earning assets | $103,478,670 | 4,586 |
| Average equity | $10,146,670 | 4,997 |
| Average total loans | $70,035,330 | 4,418 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 3,923 |
| Cost of funding earning assets | 0.3916% | 6,450 |
| Net interest margin | 4.1055% | 2,066 |
| Noninterest income to average assets | 0.9216% | 1,660 |
| Noninterest expense to average assets | 4.0039% | 934 |
| Loan and lease loss provision to assets | 0.2897% | 2,147 |
| Net operating income to assets | 0.2352% | 5,867 |
| Return on assets (ROA) | 0.3456% | 5,666 |
| Pretax return on assets | 0.3700% | 5,810 |
| Return on Equity (ROE) | 3.9253% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.9253% | 4,233 |
| Net charge-offs to loans | -0.0058% | 5,818 |
| Credit loss provision to net charge-offs | -8,300.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4808% | 1,342 |
| Assets per employee ($millions) | 2.1795% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,395 |
| Loan loss allowance to noncurrent loans | 104.6140% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 3,992 |
| Noncurrent loans to loans | 1.6129% | 3,699 |
| Net loans and leases to total assets | 58.3706% | 3,977 |
| Net loans and leases to deposits | 64.5825% | 4,552 |
| Net loans and leases to core deposits | 65.5794% | 4,965 |
| Total domestic deposits to total assets | 90.3816% | 875 |
| Equity capital to assets | 8.7313% | 5,837 |
| Core capital (leverage) ratio | 8.5728% | 5,476 |
| Tier 1 risk-based capital ratio | 10.7924% | 6,625 |
| Total risk-based capital ratio | 12.2034% | 6,546 |
| Memoranda: | ||
| Average total assets | $114,589,500 | 4,578 |
| Average earning assets | $101,133,500 | 4,671 |
| Average equity | $10,088,500 | 5,021 |
| Average total loans | $69,480,500 | 4,463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 4,221 |
| Cost of funding earning assets | 0.3987% | 6,890 |
| Net interest margin | 4.3066% | 1,680 |
| Noninterest income to average assets | 0.7470% | 2,350 |
| Noninterest expense to average assets | 4.4169% | 636 |
| Loan and lease loss provision to assets | 0.6323% | 1,615 |
| Net operating income to assets | -0.9780% | 6,730 |
| Return on assets (ROA) | -0.7647% | 6,671 |
| Pretax return on assets | -0.2824% | 6,340 |
| Return on Equity (ROE) | -8.6901% | 6,703 |
| Retained earnings to average equity (ytd only) | -8.6901% | 6,656 |
| Net charge-offs to loans | 1.0663% | 1,620 |
| Credit loss provision to net charge-offs | 97.4026% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.2104% | 5,673 |
| Efficiency ratio | 95.1120% | 863 |
| Assets per employee ($millions) | 2.0271% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,642 |
| Loan loss allowance to noncurrent loans | 95.3003% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 3,935 |
| Noncurrent loans to loans | 1.6632% | 3,671 |
| Net loans and leases to total assets | 60.9841% | 3,786 |
| Net loans and leases to deposits | 67.3916% | 4,529 |
| Net loans and leases to core deposits | 68.3145% | 4,987 |
| Total domestic deposits to total assets | 90.4923% | 727 |
| Equity capital to assets | 8.8808% | 5,696 |
| Core capital (leverage) ratio | 8.1804% | 6,036 |
| Tier 1 risk-based capital ratio | 10.5534% | 6,660 |
| Total risk-based capital ratio | 11.9329% | 6,584 |
| Memoranda: | ||
| Average total assets | $118,611,800 | 4,442 |
| Average earning assets | $104,840,000 | 4,527 |
| Average equity | $10,437,200 | 4,918 |
| Average total loans | $72,215,000 | 4,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 4,336 |
| Cost of funding earning assets | 0.3976% | 7,024 |
| Net interest margin | 4.3272% | 1,618 |
| Noninterest income to average assets | 0.7630% | 2,241 |
| Noninterest expense to average assets | 4.1541% | 836 |
| Loan and lease loss provision to assets | 0.6656% | 1,455 |
| Net operating income to assets | -0.1694% | 6,350 |
| Return on assets (ROA) | -0.1130% | 6,380 |
| Pretax return on assets | -0.1495% | 6,373 |
| Return on Equity (ROE) | -1.2865% | 6,410 |
| Retained earnings to average equity (ytd only) | -1.2865% | 6,198 |
| Net charge-offs to loans | 0.8493% | 1,874 |
| Credit loss provision to net charge-offs | 129.2473% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.8581% | 4,974 |
| Efficiency ratio | 88.5542% | 1,289 |
| Assets per employee ($millions) | 2.0373% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 3,187 |
| Loan loss allowance to noncurrent loans | 67.5851% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 3,669 |
| Noncurrent loans to loans | 2.5524% | 2,714 |
| Net loans and leases to total assets | 61.3718% | 3,875 |
| Net loans and leases to deposits | 68.3108% | 4,551 |
| Net loans and leases to core deposits | 69.0461% | 5,060 |
| Total domestic deposits to total assets | 89.8420% | 952 |
| Equity capital to assets | 9.3236% | 5,342 |
| Core capital (leverage) ratio | 8.0175% | 6,380 |
| Tier 1 risk-based capital ratio | 10.4086% | 6,815 |
| Total risk-based capital ratio | 11.7133% | 6,776 |
| Memoranda: | ||
| Average total assets | $120,392,750 | 4,415 |
| Average earning assets | $106,639,750 | 4,513 |
| Average equity | $10,571,250 | 4,905 |
| Average total loans | $72,997,500 | 4,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 4,908 |
| Cost of funding earning assets | 0.3941% | 7,136 |
| Net interest margin | 4.2205% | 1,955 |
| Noninterest income to average assets | 0.7355% | 2,348 |
| Noninterest expense to average assets | 4.4083% | 662 |
| Loan and lease loss provision to assets | 0.8029% | 1,146 |
| Net operating income to assets | -0.5471% | 6,730 |
| Return on assets (ROA) | -0.4893% | 6,705 |
| Pretax return on assets | -0.6534% | 6,740 |
| Return on Equity (ROE) | -5.6838% | 6,760 |
| Retained earnings to average equity (ytd only) | -5.6838% | 6,627 |
| Net charge-offs to loans | 1.1373% | 1,376 |
| Credit loss provision to net charge-offs | 117.5481% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.1058% | 5,213 |
| Efficiency ratio | 96.5189% | 854 |
| Assets per employee ($millions) | 2.3180% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,622 |
| Loan loss allowance to noncurrent loans | 64.3205% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5172% | 3,926 |
| Noncurrent loans to loans | 2.5186% | 2,870 |
| Net loans and leases to total assets | 58.7258% | 4,510 |
| Net loans and leases to deposits | 64.9446% | 5,160 |
| Net loans and leases to core deposits | 65.5995% | 5,554 |
| Total domestic deposits to total assets | 90.4244% | 748 |
| Equity capital to assets | 8.5939% | 6,067 |
| Core capital (leverage) ratio | 7.6863% | 6,600 |
| Tier 1 risk-based capital ratio | 9.9558% | 6,992 |
| Total risk-based capital ratio | 11.3089% | 6,948 |
| Memoranda: | ||
| Average total assets | $121,815,330 | 4,393 |
| Average earning assets | $108,091,000 | 4,505 |
| Average equity | $10,486,000 | 4,927 |
| Average total loans | $73,157,000 | 4,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 4,951 |
| Cost of funding earning assets | 0.4024% | 7,219 |
| Net interest margin | 4.1959% | 1,902 |
| Noninterest income to average assets | 0.7222% | 2,433 |
| Noninterest expense to average assets | 3.9507% | 1,099 |
| Loan and lease loss provision to assets | 0.4848% | 1,816 |
| Net operating income to assets | -0.0003% | 6,356 |
| Return on assets (ROA) | 0.0758% | 6,211 |
| Pretax return on assets | 0.0989% | 6,170 |
| Return on Equity (ROE) | 0.8804% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.8804% | 5,476 |
| Net charge-offs to loans | 0.5803% | 2,039 |
| Credit loss provision to net charge-offs | 138.6792% | 2,017 |
| Earnings coverage of net charge-offs (x) | 1.3868% | 3,657 |
| Efficiency ratio | 87.2119% | 1,598 |
| Assets per employee ($millions) | 2.0586% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 3,914 |
| Loan loss allowance to noncurrent loans | 54.8127% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8459% | 3,502 |
| Noncurrent loans to loans | 2.8464% | 2,649 |
| Net loans and leases to total assets | 61.0876% | 4,060 |
| Net loans and leases to deposits | 67.6078% | 4,725 |
| Net loans and leases to core deposits | 68.6165% | 5,213 |
| Total domestic deposits to total assets | 90.3559% | 929 |
| Equity capital to assets | 8.7974% | 5,501 |
| Core capital (leverage) ratio | 7.7142% | 6,546 |
| Tier 1 risk-based capital ratio | 9.9360% | 7,027 |
| Total risk-based capital ratio | 11.2972% | 6,987 |
| Memoranda: | ||
| Average total assets | $121,296,000 | 4,435 |
| Average earning assets | $107,343,000 | 4,544 |
| Average equity | $10,450,000 | 4,929 |
| Average total loans | $73,068,000 | 4,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 5,713 |
| Cost of funding earning assets | 0.4928% | 7,308 |
| Net interest margin | 4.2320% | 2,057 |
| Noninterest income to average assets | 0.9360% | 1,721 |
| Noninterest expense to average assets | 4.2485% | 859 |
| Loan and lease loss provision to assets | 0.2851% | 4,518 |
| Net operating income to assets | 0.1268% | 5,520 |
| Return on assets (ROA) | 0.3408% | 4,947 |
| Pretax return on assets | 0.2988% | 5,232 |
| Return on Equity (ROE) | 4.1323% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.1323% | 2,958 |
| Net charge-offs to loans | 1.1719% | 1,901 |
| Credit loss provision to net charge-offs | 43.1013% | 6,345 |
| Earnings coverage of net charge-offs (x) | 0.5592% | 5,553 |
| Efficiency ratio | 90.2081% | 1,307 |
| Assets per employee ($millions) | 1.9554% | 7,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,784 |
| Loan loss allowance to noncurrent loans | 54.2315% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 3,683 |
| Noncurrent loans to loans | 2.8539% | 2,668 |
| Net loans and leases to total assets | 57.5739% | 5,094 |
| Net loans and leases to deposits | 63.5308% | 5,675 |
| Net loans and leases to core deposits | 64.2991% | 6,026 |
| Total domestic deposits to total assets | 90.6237% | 781 |
| Equity capital to assets | 8.4388% | 5,940 |
| Core capital (leverage) ratio | 7.6876% | 6,553 |
| Tier 1 risk-based capital ratio | 9.8262% | 7,046 |
| Total risk-based capital ratio | 11.1735% | 7,004 |
| Memoranda: | ||
| Average total assets | $123,830,800 | 4,406 |
| Average earning assets | $107,750,200 | 4,517 |
| Average equity | $10,212,200 | 5,075 |
| Average total loans | $69,888,400 | 4,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 6,032 |
| Cost of funding earning assets | 0.5103% | 7,431 |
| Net interest margin | 4.1867% | 2,266 |
| Noninterest income to average assets | 1.0087% | 1,443 |
| Noninterest expense to average assets | 4.2207% | 805 |
| Loan and lease loss provision to assets | 0.3387% | 3,893 |
| Net operating income to assets | 0.0828% | 5,811 |
| Return on assets (ROA) | 0.2301% | 5,579 |
| Pretax return on assets | 0.2312% | 5,659 |
| Return on Equity (ROE) | 2.8066% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.8066% | 4,467 |
| Net charge-offs to loans | 1.5784% | 1,255 |
| Credit loss provision to net charge-offs | 38.3678% | 6,037 |
| Earnings coverage of net charge-offs (x) | 0.4787% | 5,544 |
| Efficiency ratio | 89.1385% | 1,353 |
| Assets per employee ($millions) | 2.0272% | 7,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,813 |
| Loan loss allowance to noncurrent loans | 47.6718% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,580 |
| Noncurrent loans to loans | 3.2166% | 2,469 |
| Net loans and leases to total assets | 55.8238% | 5,567 |
| Net loans and leases to deposits | 61.7089% | 6,147 |
| Net loans and leases to core deposits | 62.4525% | 6,416 |
| Total domestic deposits to total assets | 90.4631% | 651 |
| Equity capital to assets | 8.5624% | 6,205 |
| Core capital (leverage) ratio | 8.7401% | 5,121 |
| Tier 1 risk-based capital ratio | 11.3932% | 6,028 |
| Total risk-based capital ratio | 12.6775% | 5,980 |
| Memoranda: | ||
| Average total assets | $123,990,250 | 4,454 |
| Average earning assets | $107,639,500 | 4,578 |
| Average equity | $10,166,250 | 5,141 |
| Average total loans | $69,350,000 | 4,782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 6,134 |
| Cost of funding earning assets | 0.5235% | 7,513 |
| Net interest margin | 4.1802% | 2,219 |
| Noninterest income to average assets | 1.0765% | 1,158 |
| Noninterest expense to average assets | 4.1837% | 827 |
| Loan and lease loss provision to assets | 0.3787% | 3,444 |
| Net operating income to assets | 0.1402% | 5,749 |
| Return on assets (ROA) | 0.3110% | 5,292 |
| Pretax return on assets | 0.3014% | 5,498 |
| Return on Equity (ROE) | 3.8501% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.8501% | 3,636 |
| Net charge-offs to loans | 2.3242% | 759 |
| Credit loss provision to net charge-offs | 29.2653% | 5,747 |
| Earnings coverage of net charge-offs (x) | 0.3935% | 5,343 |
| Efficiency ratio | 87.4313% | 1,566 |
| Assets per employee ($millions) | 2.0848% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,132 |
| Loan loss allowance to noncurrent loans | 37.9543% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4055% | 2,992 |
| Noncurrent loans to loans | 3.8445% | 2,001 |
| Net loans and leases to total assets | 54.6891% | 5,884 |
| Net loans and leases to deposits | 60.3822% | 6,382 |
| Net loans and leases to core deposits | 61.0989% | 6,630 |
| Total domestic deposits to total assets | 90.5715% | 658 |
| Equity capital to assets | 8.2861% | 6,441 |
| Core capital (leverage) ratio | 8.5780% | 5,279 |
| Tier 1 risk-based capital ratio | 11.6844% | 5,597 |
| Total risk-based capital ratio | 12.9455% | 5,550 |
| Memoranda: | ||
| Average total assets | $124,101,330 | 4,487 |
| Average earning assets | $107,363,330 | 4,615 |
| Average equity | $10,025,670 | 5,195 |
| Average total loans | $69,098,330 | 4,819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 6,466 |
| Cost of funding earning assets | 0.5384% | 7,617 |
| Net interest margin | 4.0927% | 2,473 |
| Noninterest income to average assets | 0.7119% | 2,519 |
| Noninterest expense to average assets | 3.9836% | 1,056 |
| Loan and lease loss provision to assets | 0.4466% | 2,731 |
| Net operating income to assets | -0.1423% | 6,467 |
| Return on assets (ROA) | -0.0550% | 6,461 |
| Pretax return on assets | -0.0777% | 6,435 |
| Return on Equity (ROE) | -0.6899% | 6,489 |
| Retained earnings to average equity (ytd only) | -0.6899% | 5,992 |
| Net charge-offs to loans | 4.3925% | 294 |
| Credit loss provision to net charge-offs | 18.2299% | 4,965 |
| Earnings coverage of net charge-offs (x) | 0.1004% | 4,943 |
| Efficiency ratio | 92.2724% | 1,258 |
| Assets per employee ($millions) | 1.9853% | 7,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,511 |
| Loan loss allowance to noncurrent loans | 35.3028% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 2.6948% | 2,702 |
| Noncurrent loans to loans | 3.9139% | 2,023 |
| Net loans and leases to total assets | 55.7819% | 5,778 |
| Net loans and leases to deposits | 61.2272% | 6,347 |
| Net loans and leases to core deposits | 61.6821% | 6,620 |
| Total domestic deposits to total assets | 91.1065% | 500 |
| Equity capital to assets | 8.1176% | 6,522 |
| Core capital (leverage) ratio | 8.5511% | 5,290 |
| Tier 1 risk-based capital ratio | 11.3989% | 5,767 |
| Total risk-based capital ratio | 12.6286% | 5,758 |
| Memoranda: | ||
| Average total assets | $123,607,500 | 4,550 |
| Average earning assets | $106,237,500 | 4,694 |
| Average equity | $9,856,000 | 5,283 |
| Average total loans | $68,936,000 | 4,900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 7,446 |
| Cost of funding earning assets | 0.9180% | 7,368 |
| Net interest margin | 3.5181% | 4,875 |
| Noninterest income to average assets | 0.8121% | 2,347 |
| Noninterest expense to average assets | 4.1845% | 1,113 |
| Loan and lease loss provision to assets | 0.5372% | 3,682 |
| Net operating income to assets | -0.5850% | 6,254 |
| Return on assets (ROA) | -1.2150% | 6,715 |
| Pretax return on assets | -1.7712% | 6,845 |
| Return on Equity (ROE) | -15.1108% | 6,942 |
| Retained earnings to average equity (ytd only) | -15.1108% | 6,892 |
| Net charge-offs to loans | 0.1213% | 5,965 |
| Credit loss provision to net charge-offs | 804.7619% | 362 |
| Earnings coverage of net charge-offs (x) | -4.8095% | 7,103 |
| Efficiency ratio | 106.2114% | 904 |
| Assets per employee ($millions) | 2.0020% | 7,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,456 |
| Loan loss allowance to noncurrent loans | 41.5179% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.3676% | 2,025 |
| Noncurrent loans to loans | 5.5797% | 1,151 |
| Net loans and leases to total assets | 53.7096% | 6,224 |
| Net loans and leases to deposits | 58.7607% | 6,726 |
| Net loans and leases to core deposits | 64.8954% | 7,038 |
| Total domestic deposits to total assets | 91.4038% | 405 |
| Equity capital to assets | 7.8308% | 6,739 |
| Core capital (leverage) ratio | 8.2374% | 5,754 |
| Tier 1 risk-based capital ratio | 11.2548% | 5,656 |
| Total risk-based capital ratio | 12.5390% | 5,579 |
| Memoranda: | ||
| Average total assets | $125,846,800 | 4,433 |
| Average earning assets | $109,151,000 | 4,592 |
| Average equity | $10,118,600 | 5,266 |
| Average total loans | $69,243,200 | 4,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 7,643 |
| Cost of funding earning assets | 0.9920% | 7,405 |
| Net interest margin | 3.3542% | 5,430 |
| Noninterest income to average assets | 0.7507% | 2,706 |
| Noninterest expense to average assets | 3.9753% | 1,309 |
| Loan and lease loss provision to assets | 0.4656% | 3,580 |
| Net operating income to assets | -0.5791% | 6,509 |
| Return on assets (ROA) | -0.6536% | 6,578 |
| Pretax return on assets | -0.8764% | 6,587 |
| Return on Equity (ROE) | -8.0768% | 6,739 |
| Retained earnings to average equity (ytd only) | -8.0768% | 6,612 |
| Net charge-offs to loans | 0.1285% | 5,412 |
| Credit loss provision to net charge-offs | 658.2090% | 569 |
| Earnings coverage of net charge-offs (x) | -4.4030% | 6,841 |
| Efficiency ratio | 106.3112% | 849 |
| Assets per employee ($millions) | 2.0279% | 7,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 1,723 |
| Loan loss allowance to noncurrent loans | 30.7397% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.4942% | 1,905 |
| Noncurrent loans to loans | 6.6125% | 864 |
| Net loans and leases to total assets | 51.4203% | 6,664 |
| Net loans and leases to deposits | 56.6892% | 7,046 |
| Net loans and leases to core deposits | 63.0986% | 7,282 |
| Total domestic deposits to total assets | 90.7056% | 511 |
| Equity capital to assets | 7.9198% | 6,924 |
| Core capital (leverage) ratio | 7.8203% | 6,593 |
| Tier 1 risk-based capital ratio | 11.2460% | 5,695 |
| Total risk-based capital ratio | 12.5008% | 5,638 |
| Memoranda: | ||
| Average total assets | $126,277,250 | 4,439 |
| Average earning assets | $109,671,000 | 4,602 |
| Average equity | $10,218,250 | 5,281 |
| Average total loans | $69,492,000 | 4,932 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 7,809 |
| Cost of funding earning assets | 1.0165% | 7,519 |
| Net interest margin | 3.2176% | 5,847 |
| Noninterest income to average assets | 0.7648% | 2,622 |
| Noninterest expense to average assets | 3.9321% | 1,427 |
| Loan and lease loss provision to assets | 0.6948% | 2,347 |
| Net operating income to assets | -0.7712% | 6,811 |
| Return on assets (ROA) | -0.7664% | 6,812 |
| Pretax return on assets | -1.0272% | 6,832 |
| Return on Equity (ROE) | -9.4033% | 6,987 |
| Retained earnings to average equity (ytd only) | -9.4033% | 6,807 |
| Net charge-offs to loans | 0.3015% | 3,680 |
| Credit loss provision to net charge-offs | 412.2642% | 1,122 |
| Earnings coverage of net charge-offs (x) | -2.0094% | 6,351 |
| Efficiency ratio | 107.1681% | 938 |
| Assets per employee ($millions) | 2.1119% | 7,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 1,611 |
| Loan loss allowance to noncurrent loans | 28.9347% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 3.3452% | 1,866 |
| Noncurrent loans to loans | 6.8426% | 729 |
| Net loans and leases to total assets | 47.6069% | 7,069 |
| Net loans and leases to deposits | 51.9582% | 7,386 |
| Net loans and leases to core deposits | 57.6135% | 7,534 |
| Total domestic deposits to total assets | 91.6254% | 287 |
| Equity capital to assets | 7.4254% | 7,332 |
| Core capital (leverage) ratio | 7.5922% | 6,913 |
| Tier 1 risk-based capital ratio | 11.2101% | 5,675 |
| Total risk-based capital ratio | 12.4633% | 5,589 |
| Memoranda: | ||
| Average total assets | $125,784,670 | 4,483 |
| Average earning assets | $110,579,000 | 4,609 |
| Average equity | $10,251,670 | 5,291 |
| Average total loans | $70,304,330 | 4,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 7,737 |
| Cost of funding earning assets | 1.0735% | 7,555 |
| Net interest margin | 3.4069% | 5,113 |
| Noninterest income to average assets | 0.7664% | 2,498 |
| Noninterest expense to average assets | 3.9353% | 1,260 |
| Loan and lease loss provision to assets | 1.3662% | 938 |
| Net operating income to assets | -1.5528% | 7,519 |
| Return on assets (ROA) | -1.5428% | 7,516 |
| Pretax return on assets | -1.5428% | 7,382 |
| Return on Equity (ROE) | -18.0138% | 7,709 |
| Retained earnings to average equity (ytd only) | -18.0138% | 7,584 |
| Net charge-offs to loans | 0.2551% | 3,137 |
| Credit loss provision to net charge-offs | 891.3043% | 696 |
| Earnings coverage of net charge-offs (x) | -1.2174% | 5,402 |
| Efficiency ratio | 102.7556% | 1,024 |
| Assets per employee ($millions) | 1.8575% | 7,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 1,722 |
| Loan loss allowance to noncurrent loans | 27.4347% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 4.1197% | 1,226 |
| Noncurrent loans to loans | 6.7701% | 616 |
| Net loans and leases to total assets | 59.3008% | 5,770 |
| Net loans and leases to deposits | 65.5443% | 6,419 |
| Net loans and leases to core deposits | 73.8169% | 6,813 |
| Total domestic deposits to total assets | 90.4743% | 604 |
| Equity capital to assets | 8.2137% | 6,518 |
| Core capital (leverage) ratio | 8.8642% | 4,901 |
| Tier 1 risk-based capital ratio | 11.2394% | 5,655 |
| Total risk-based capital ratio | 12.4925% | 5,566 |
| Memoranda: | ||
| Average total assets | $120,041,000 | 4,654 |
| Average earning assets | $105,079,500 | 4,770 |
| Average equity | $10,281,000 | 5,302 |
| Average total loans | $72,121,000 | 4,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 7,383 |
| Cost of funding earning assets | 1.3240% | 7,821 |
| Net interest margin | 4.1325% | 2,574 |
| Noninterest income to average assets | 0.8695% | 2,113 |
| Noninterest expense to average assets | 4.1344% | 1,223 |
| Loan and lease loss provision to assets | 0.4746% | 2,927 |
| Net operating income to assets | 0.0986% | 6,115 |
| Return on assets (ROA) | 0.1102% | 5,923 |
| Pretax return on assets | -0.0806% | 6,246 |
| Return on Equity (ROE) | 1.1786% | 5,864 |
| Retained earnings to average equity (ytd only) | -1.6975% | 5,789 |
| Net charge-offs to loans | 1.2907% | 927 |
| Credit loss provision to net charge-offs | 61.9099% | 6,209 |
| Earnings coverage of net charge-offs (x) | 0.4903% | 5,940 |
| Efficiency ratio | 89.8049% | 1,528 |
| Assets per employee ($millions) | 1.8648% | 8,007 |
| Cash dividends to net income (ytd only)* | 244.0299% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 3,273 |
| Loan loss allowance to noncurrent loans | 20.9268% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 3.9599% | 1,048 |
| Noncurrent loans to loans | 6.6294% | 479 |
| Net loans and leases to total assets | 58.9049% | 6,074 |
| Net loans and leases to deposits | 65.5869% | 6,671 |
| Net loans and leases to core deposits | 73.7825% | 6,981 |
| Total domestic deposits to total assets | 89.8119% | 723 |
| Equity capital to assets | 8.9195% | 5,471 |
| Core capital (leverage) ratio | 9.5649% | 3,920 |
| Tier 1 risk-based capital ratio | 12.2898% | 4,591 |
| Total risk-based capital ratio | 13.4596% | 4,552 |
| Memoranda: | ||
| Average total assets | $121,564,200 | 4,483 |
| Average earning assets | $107,101,200 | 4,590 |
| Average equity | $11,369,400 | 5,014 |
| Average total loans | $72,208,800 | 4,792 |