Home > Union Bank In Liquidation > Performance and Condition Ratios
Union Bank In Liquidation, Performance and Condition Ratios
| 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 | 4.2400% | 4,961 |
| Cost of funding earning assets | 0.9207% | 2,512 |
| Net interest margin | 3.3192% | 5,407 |
| Noninterest income to average assets | -0.5446% | 7,257 |
| Noninterest expense to average assets | 3.2583% | 2,418 |
| Loan and lease loss provision to assets | 0.5350% | 1,115 |
| Net operating income to assets | -1.4337% | 7,077 |
| Return on assets (ROA) | -1.4337% | 7,086 |
| Pretax return on assets | -1.4573% | 7,069 |
| Return on Equity (ROE) | -38.2987% | 7,195 |
| Retained earnings to average equity (ytd only) | -38.2987% | 7,177 |
| Net charge-offs to loans | 0.6632% | 1,477 |
| Credit loss provision to net charge-offs | 107.5571% | 2,168 |
| Earnings coverage of net charge-offs (x) | -1.8541% | 4,605 |
| Efficiency ratio | 139.4835% | 138 |
| Assets per employee ($millions) | 4.5637% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4474% | 120 |
| Loan loss allowance to noncurrent loans | 65.6844% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 14.0335% | 129 |
| Noncurrent loans to loans | 8.2934% | 454 |
| Net loans and leases to total assets | 70.7044% | 1,632 |
| Net loans and leases to deposits | 77.9587% | 2,517 |
| Net loans and leases to core deposits | 79.4066% | 3,125 |
| Total domestic deposits to total assets | 90.6947% | 689 |
| Equity capital to assets | 3.5719% | 7,208 |
| Core capital (leverage) ratio | 3.4935% | 7,208 |
| Tier 1 risk-based capital ratio | 4.2959% | 7,238 |
| Total risk-based capital ratio | 5.4389% | 7,243 |
| Memoranda: | ||
| Average total assets | $457,545,000 | 1,461 |
| Average earning assets | $397,080,000 | 1,530 |
| Average equity | $17,128,500 | 3,624 |
| Average total loans | $343,199,500 | 1,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 4,196 |
| Cost of funding earning assets | 1.0828% | 2,785 |
| Net interest margin | 3.6279% | 4,619 |
| Noninterest income to average assets | -0.3035% | 7,203 |
| Noninterest expense to average assets | 2.7869% | 4,395 |
| Loan and lease loss provision to assets | 3.2123% | 104 |
| Net operating income to assets | -3.1516% | 7,200 |
| Return on assets (ROA) | -3.1516% | 7,201 |
| Pretax return on assets | -3.1675% | 7,202 |
| Return on Equity (ROE) | -56.7602% | 7,233 |
| Retained earnings to average equity (ytd only) | -56.7602% | 7,233 |
| Net charge-offs to loans | 6.8904% | 30 |
| Credit loss provision to net charge-offs | 58.5911% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 5,815 |
| Efficiency ratio | 98.4189% | 717 |
| Assets per employee ($millions) | 4.4973% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3741% | 142 |
| Loan loss allowance to noncurrent loans | 69.0672% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 14.0505% | 153 |
| Noncurrent loans to loans | 7.7809% | 531 |
| Net loans and leases to total assets | 71.1953% | 1,789 |
| Net loans and leases to deposits | 78.7461% | 2,721 |
| Net loans and leases to core deposits | 80.1554% | 3,436 |
| Total domestic deposits to total assets | 90.4112% | 758 |
| Equity capital to assets | 3.9143% | 7,227 |
| Core capital (leverage) ratio | 3.8183% | 7,221 |
| Tier 1 risk-based capital ratio | 4.6345% | 7,258 |
| Total risk-based capital ratio | 5.9292% | 7,257 |
| Memoranda: | ||
| Average total assets | $495,849,200 | 1,345 |
| Average earning assets | $428,512,200 | 1,412 |
| Average equity | $27,531,600 | 2,355 |
| Average total loans | $394,532,000 | 1,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 4,061 |
| Cost of funding earning assets | 1.1230% | 2,813 |
| Net interest margin | 3.6669% | 4,493 |
| Noninterest income to average assets | -0.3555% | 7,316 |
| Noninterest expense to average assets | 2.7401% | 4,578 |
| Loan and lease loss provision to assets | 4.1498% | 53 |
| Net operating income to assets | -4.0810% | 7,336 |
| Return on assets (ROA) | -4.0810% | 7,338 |
| Pretax return on assets | -4.0781% | 7,339 |
| Return on Equity (ROE) | -68.8849% | 7,343 |
| Retained earnings to average equity (ytd only) | -68.8849% | 7,341 |
| Net charge-offs to loans | 8.7739% | 19 |
| Credit loss provision to net charge-offs | 58.7190% | 4,838 |
| Earnings coverage of net charge-offs (x) | 0.0102% | 5,595 |
| Efficiency ratio | 97.4467% | 754 |
| Assets per employee ($millions) | 4.5038% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1926% | 159 |
| Loan loss allowance to noncurrent loans | 93.2286% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 13.0688% | 191 |
| Noncurrent loans to loans | 5.5698% | 1,055 |
| Net loans and leases to total assets | 74.5297% | 1,228 |
| Net loans and leases to deposits | 82.5835% | 2,241 |
| Net loans and leases to core deposits | 84.0084% | 3,069 |
| Total domestic deposits to total assets | 90.2478% | 748 |
| Equity capital to assets | 3.9618% | 7,326 |
| Core capital (leverage) ratio | 3.6338% | 7,321 |
| Tier 1 risk-based capital ratio | 4.4553% | 7,349 |
| Total risk-based capital ratio | 5.7478% | 7,352 |
| Memoranda: | ||
| Average total assets | $505,130,500 | 1,330 |
| Average earning assets | $436,324,750 | 1,401 |
| Average equity | $29,925,500 | 2,202 |
| Average total loans | $406,880,500 | 1,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 4,163 |
| Cost of funding earning assets | 1.1553% | 2,872 |
| Net interest margin | 3.6263% | 4,625 |
| Noninterest income to average assets | 0.1530% | 6,556 |
| Noninterest expense to average assets | 2.6485% | 5,013 |
| Loan and lease loss provision to assets | 0.4201% | 2,334 |
| Net operating income to assets | 0.2214% | 5,661 |
| Return on assets (ROA) | 0.2214% | 5,779 |
| Pretax return on assets | 0.2233% | 5,877 |
| Return on Equity (ROE) | 3.4049% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.4049% | 4,091 |
| Net charge-offs to loans | 0.1895% | 4,019 |
| Credit loss provision to net charge-offs | 273.2500% | 1,109 |
| Earnings coverage of net charge-offs (x) | 4.1850% | 2,939 |
| Efficiency ratio | 80.4553% | 2,317 |
| Assets per employee ($millions) | 4.7396% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6583% | 36 |
| Loan loss allowance to noncurrent loans | 79.1786% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 15.9711% | 124 |
| Noncurrent loans to loans | 9.6722% | 407 |
| Net loans and leases to total assets | 71.8406% | 1,819 |
| Net loans and leases to deposits | 89.4128% | 1,336 |
| Net loans and leases to core deposits | 90.9814% | 2,259 |
| Total domestic deposits to total assets | 80.3472% | 5,728 |
| Equity capital to assets | 6.6819% | 7,158 |
| Core capital (leverage) ratio | 6.5893% | 7,107 |
| Tier 1 risk-based capital ratio | 7.9215% | 7,251 |
| Total risk-based capital ratio | 9.2442% | 7,250 |
| Memoranda: | ||
| Average total assets | $520,379,670 | 1,294 |
| Average earning assets | $450,431,330 | 1,358 |
| Average equity | $33,834,000 | 1,966 |
| Average total loans | $422,131,000 | 1,017 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 3,862 |
| Cost of funding earning assets | 1.2002% | 2,814 |
| Net interest margin | 3.6410% | 4,366 |
| Noninterest income to average assets | 0.1441% | 6,689 |
| Noninterest expense to average assets | 2.6556% | 5,014 |
| Loan and lease loss provision to assets | 0.3111% | 2,679 |
| Net operating income to assets | 0.3263% | 5,286 |
| Return on assets (ROA) | 0.3263% | 5,363 |
| Pretax return on assets | 0.3370% | 5,542 |
| Return on Equity (ROE) | 5.0877% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.0877% | 3,128 |
| Net charge-offs to loans | 0.3916% | 2,512 |
| Credit loss provision to net charge-offs | 96.0000% | 2,829 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
| Efficiency ratio | 80.3831% | 2,455 |
| Assets per employee ($millions) | 4.7423% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1390% | 56 |
| Loan loss allowance to noncurrent loans | 87.2091% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 15.2911% | 154 |
| Noncurrent loans to loans | 8.1861% | 594 |
| Net loans and leases to total assets | 75.6531% | 1,081 |
| Net loans and leases to deposits | 94.0420% | 818 |
| Net loans and leases to core deposits | 95.7257% | 1,694 |
| Total domestic deposits to total assets | 80.4460% | 5,829 |
| Equity capital to assets | 6.6121% | 7,182 |
| Core capital (leverage) ratio | 6.3654% | 7,199 |
| Tier 1 risk-based capital ratio | 7.5625% | 7,324 |
| Total risk-based capital ratio | 8.8797% | 7,322 |
| Memoranda: | ||
| Average total assets | $524,631,500 | 1,291 |
| Average earning assets | $455,257,500 | 1,358 |
| Average equity | $33,649,500 | 1,960 |
| Average total loans | $434,080,000 | 1,007 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 5,468 |
| Cost of funding earning assets | 1.4218% | 3,130 |
| Net interest margin | 3.3640% | 5,749 |
| Noninterest income to average assets | 0.2050% | 6,320 |
| Noninterest expense to average assets | 2.6419% | 5,257 |
| Loan and lease loss provision to assets | 4.4387% | 117 |
| Net operating income to assets | -3.9547% | 7,431 |
| Return on assets (ROA) | -3.9260% | 7,439 |
| Pretax return on assets | -3.8475% | 7,413 |
| Return on Equity (ROE) | -51.7036% | 7,431 |
| Retained earnings to average equity (ytd only) | -51.7036% | 7,428 |
| Net charge-offs to loans | 1.5015% | 1,467 |
| Credit loss provision to net charge-offs | 356.1495% | 721 |
| Earnings coverage of net charge-offs (x) | 0.4514% | 5,658 |
| Efficiency ratio | 82.4449% | 2,106 |
| Assets per employee ($millions) | 4.8387% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6101% | 74 |
| Loan loss allowance to noncurrent loans | 67.9177% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 14.8368% | 171 |
| Noncurrent loans to loans | 9.7325% | 444 |
| Net loans and leases to total assets | 78.4026% | 885 |
| Net loans and leases to deposits | 96.3697% | 841 |
| Net loans and leases to core deposits | 99.7239% | 1,645 |
| Total domestic deposits to total assets | 81.3560% | 5,402 |
| Equity capital to assets | 6.2250% | 7,308 |
| Core capital (leverage) ratio | 5.9523% | 7,309 |
| Tier 1 risk-based capital ratio | 7.0278% | 7,418 |
| Total risk-based capital ratio | 8.3402% | 7,418 |
| Memoranda: | ||
| Average total assets | $598,886,600 | 1,117 |
| Average earning assets | $533,979,600 | 1,145 |
| Average equity | $45,474,600 | 1,471 |
| Average total loans | $497,113,600 | 900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 5,816 |
| Cost of funding earning assets | 1.4633% | 3,198 |
| Net interest margin | 3.2979% | 6,027 |
| Noninterest income to average assets | 0.1960% | 6,485 |
| Noninterest expense to average assets | 2.5493% | 5,524 |
| Loan and lease loss provision to assets | 3.3330% | 231 |
| Net operating income to assets | -2.8145% | 7,412 |
| Return on assets (ROA) | -2.7782% | 7,422 |
| Pretax return on assets | -2.6975% | 7,361 |
| Return on Equity (ROE) | -35.2019% | 7,451 |
| Retained earnings to average equity (ytd only) | -35.2019% | 7,448 |
| Net charge-offs to loans | 0.7394% | 2,573 |
| Credit loss provision to net charge-offs | 544.3814% | 529 |
| Earnings coverage of net charge-offs (x) | 0.9787% | 5,081 |
| Efficiency ratio | 80.9678% | 2,214 |
| Assets per employee ($millions) | 5.2486% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9664% | 176 |
| Loan loss allowance to noncurrent loans | 59.9943% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 13.1616% | 221 |
| Noncurrent loans to loans | 8.2781% | 608 |
| Net loans and leases to total assets | 79.1234% | 868 |
| Net loans and leases to deposits | 98.6117% | 754 |
| Net loans and leases to core deposits | 105.5432% | 1,358 |
| Total domestic deposits to total assets | 80.2374% | 5,628 |
| Equity capital to assets | 7.8865% | 6,877 |
| Core capital (leverage) ratio | 7.5728% | 6,791 |
| Tier 1 risk-based capital ratio | 8.8281% | 7,389 |
| Total risk-based capital ratio | 10.1202% | 7,399 |
| Memoranda: | ||
| Average total assets | $614,334,250 | 1,094 |
| Average earning assets | $549,984,500 | 1,106 |
| Average equity | $48,484,750 | 1,389 |
| Average total loans | $508,666,500 | 890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 6,271 |
| Cost of funding earning assets | 1.5162% | 3,158 |
| Net interest margin | 3.1452% | 6,473 |
| Noninterest income to average assets | 0.3352% | 5,469 |
| Noninterest expense to average assets | 2.4228% | 6,002 |
| Loan and lease loss provision to assets | 4.6611% | 137 |
| Net operating income to assets | -3.9249% | 7,613 |
| Return on assets (ROA) | -3.9249% | 7,619 |
| Pretax return on assets | -3.9218% | 7,592 |
| Return on Equity (ROE) | -49.7207% | 7,606 |
| Retained earnings to average equity (ytd only) | -49.7207% | 7,601 |
| Net charge-offs to loans | 0.2615% | 4,035 |
| Credit loss provision to net charge-offs | 2,156.2225% | 189 |
| Earnings coverage of net charge-offs (x) | 3.4202% | 3,331 |
| Efficiency ratio | 76.6190% | 2,966 |
| Assets per employee ($millions) | 5.0084% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8614% | 190 |
| Loan loss allowance to noncurrent loans | 67.0517% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 10.4376% | 368 |
| Noncurrent loans to loans | 7.2503% | 752 |
| Net loans and leases to total assets | 79.2054% | 917 |
| Net loans and leases to deposits | 96.8399% | 975 |
| Net loans and leases to core deposits | 105.3721% | 1,501 |
| Total domestic deposits to total assets | 81.7901% | 5,072 |
| Equity capital to assets | 7.3360% | 7,206 |
| Core capital (leverage) ratio | 6.9058% | 7,237 |
| Tier 1 risk-based capital ratio | 8.3231% | 7,499 |
| Total risk-based capital ratio | 9.6149% | 7,510 |
| Memoranda: | ||
| Average total assets | $631,910,670 | 1,071 |
| Average earning assets | $567,980,670 | 1,078 |
| Average equity | $49,882,670 | 1,340 |
| Average total loans | $522,361,000 | 871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 6,452 |
| Cost of funding earning assets | 1.5635% | 3,180 |
| Net interest margin | 3.0708% | 6,665 |
| Noninterest income to average assets | 0.3904% | 4,997 |
| Noninterest expense to average assets | 2.3750% | 6,179 |
| Loan and lease loss provision to assets | 0.3873% | 3,036 |
| Net operating income to assets | 0.3861% | 4,901 |
| Return on assets (ROA) | 0.3861% | 5,037 |
| Pretax return on assets | 0.3861% | 5,340 |
| Return on Equity (ROE) | 4.7318% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.7318% | 3,309 |
| Net charge-offs to loans | 0.1270% | 4,206 |
| Credit loss provision to net charge-offs | 370.2381% | 1,102 |
| Earnings coverage of net charge-offs (x) | 7.3929% | 2,095 |
| Efficiency ratio | 75.4351% | 3,314 |
| Assets per employee ($millions) | 5.4349% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 1,910 |
| Loan loss allowance to noncurrent loans | 49.7810% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 7.3311% | 710 |
| Noncurrent loans to loans | 4.2612% | 1,792 |
| Net loans and leases to total assets | 79.4763% | 914 |
| Net loans and leases to deposits | 102.2716% | 630 |
| Net loans and leases to core deposits | 116.9405% | 911 |
| Total domestic deposits to total assets | 77.7110% | 6,389 |
| Equity capital to assets | 8.9518% | 5,349 |
| Core capital (leverage) ratio | 9.0392% | 4,496 |
| Tier 1 risk-based capital ratio | 10.1620% | 6,920 |
| Total risk-based capital ratio | 11.4209% | 6,898 |
| Memoranda: | ||
| Average total assets | $642,351,000 | 1,077 |
| Average earning assets | $576,919,500 | 1,093 |
| Average equity | $52,411,500 | 1,281 |
| Average total loans | $529,192,000 | 888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 6,943 |
| Cost of funding earning assets | 2.0303% | 2,817 |
| Net interest margin | 2.7748% | 7,101 |
| Noninterest income to average assets | 0.2961% | 5,995 |
| Noninterest expense to average assets | 4.1588% | 1,148 |
| Loan and lease loss provision to assets | 1.9631% | 1,119 |
| Net operating income to assets | -3.1925% | 7,445 |
| Return on assets (ROA) | -3.1922% | 7,444 |
| Pretax return on assets | -3.3416% | 7,381 |
| Return on Equity (ROE) | -32.9340% | 7,453 |
| Retained earnings to average equity (ytd only) | -32.9340% | 7,438 |
| Net charge-offs to loans | 2.8660% | 761 |
| Credit loss provision to net charge-offs | 79.3615% | 6,299 |
| Earnings coverage of net charge-offs (x) | -0.5574% | 6,728 |
| Efficiency ratio | 90.3501% | 1,683 |
| Assets per employee ($millions) | 5.3163% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 2,013 |
| Loan loss allowance to noncurrent loans | 39.6071% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 8.0611% | 556 |
| Noncurrent loans to loans | 5.0597% | 1,330 |
| Net loans and leases to total assets | 81.9098% | 693 |
| Net loans and leases to deposits | 105.7306% | 567 |
| Net loans and leases to core deposits | 112.6483% | 2,632 |
| Total domestic deposits to total assets | 77.4702% | 6,352 |
| Equity capital to assets | 7.3559% | 7,158 |
| Core capital (leverage) ratio | 7.1312% | 7,129 |
| Tier 1 risk-based capital ratio | 8.0975% | 7,638 |
| Total risk-based capital ratio | 11.0982% | 6,966 |
| Memoranda: | ||
| Average total assets | $653,460,000 | 1,061 |
| Average earning assets | $584,936,200 | 1,078 |
| Average equity | $63,338,800 | 1,045 |
| Average total loans | $563,996,600 | 846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 7,029 |
| Cost of funding earning assets | 2.1437% | 2,690 |
| Net interest margin | 2.6965% | 7,211 |
| Noninterest income to average assets | 0.3454% | 5,737 |
| Noninterest expense to average assets | 2.2506% | 6,837 |
| Loan and lease loss provision to assets | 0.7099% | 2,601 |
| Net operating income to assets | -0.0956% | 5,884 |
| Return on assets (ROA) | -0.0953% | 5,920 |
| Pretax return on assets | -0.2028% | 5,986 |
| Return on Equity (ROE) | -0.9292% | 5,917 |
| Retained earnings to average equity (ytd only) | -0.9292% | 5,471 |
| Net charge-offs to loans | 1.0731% | 1,855 |
| Credit loss provision to net charge-offs | 76.0704% | 5,862 |
| Earnings coverage of net charge-offs (x) | 0.5429% | 5,490 |
| Efficiency ratio | 81.1535% | 2,693 |
| Assets per employee ($millions) | 5.6875% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 1,273 |
| Loan loss allowance to noncurrent loans | 50.6686% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 6.5390% | 765 |
| Noncurrent loans to loans | 4.5778% | 1,514 |
| Net loans and leases to total assets | 81.7721% | 849 |
| Net loans and leases to deposits | 108.5159% | 524 |
| Net loans and leases to core deposits | 113.8449% | 2,842 |
| Total domestic deposits to total assets | 75.3549% | 6,706 |
| Equity capital to assets | 10.1226% | 3,935 |
| Core capital (leverage) ratio | 8.5197% | 5,459 |
| Tier 1 risk-based capital ratio | 9.2789% | 7,499 |
| Total risk-based capital ratio | 12.2336% | 5,937 |
| Memoranda: | ||
| Average total assets | $657,337,000 | 1,069 |
| Average earning assets | $587,948,750 | 1,089 |
| Average equity | $67,441,750 | 986 |
| Average total loans | $571,688,000 | 852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 7,083 |
| Cost of funding earning assets | 2.2835% | 2,432 |
| Net interest margin | 2.5938% | 7,368 |
| Noninterest income to average assets | 0.3098% | 6,028 |
| Noninterest expense to average assets | 2.2474% | 6,926 |
| Loan and lease loss provision to assets | 0.8695% | 1,936 |
| Net operating income to assets | -0.2805% | 6,305 |
| Return on assets (ROA) | -0.2802% | 6,320 |
| Pretax return on assets | -0.4873% | 6,411 |
| Return on Equity (ROE) | -2.7183% | 6,328 |
| Retained earnings to average equity (ytd only) | -2.7183% | 5,914 |
| Net charge-offs to loans | 1.5606% | 1,212 |
| Credit loss provision to net charge-offs | 63.2585% | 5,535 |
| Earnings coverage of net charge-offs (x) | 0.2776% | 5,396 |
| Efficiency ratio | 84.9855% | 2,362 |
| Assets per employee ($millions) | 5.3460% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 1,252 |
| Loan loss allowance to noncurrent loans | 41.5115% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 7.5917% | 520 |
| Noncurrent loans to loans | 5.2905% | 1,124 |
| Net loans and leases to total assets | 84.4638% | 566 |
| Net loans and leases to deposits | 109.0264% | 603 |
| Net loans and leases to core deposits | 113.3297% | 2,986 |
| Total domestic deposits to total assets | 77.4710% | 6,205 |
| Equity capital to assets | 10.2398% | 3,685 |
| Core capital (leverage) ratio | 8.5630% | 5,327 |
| Tier 1 risk-based capital ratio | 8.9251% | 7,732 |
| Total risk-based capital ratio | 11.8400% | 6,242 |
| Memoranda: | ||
| Average total assets | $654,637,670 | 1,093 |
| Average earning assets | $585,323,670 | 1,109 |
| Average equity | $67,469,330 | 999 |
| Average total loans | $576,563,670 | 861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 7,289 |
| Cost of funding earning assets | 2.4584% | 2,074 |
| Net interest margin | 2.3911% | 7,627 |
| Noninterest income to average assets | 0.3318% | 5,793 |
| Noninterest expense to average assets | 1.9937% | 7,367 |
| Loan and lease loss provision to assets | 0.3489% | 3,228 |
| Net operating income to assets | 0.1080% | 5,959 |
| Return on assets (ROA) | 0.1080% | 6,121 |
| Pretax return on assets | 0.1543% | 6,039 |
| Return on Equity (ROE) | 1.0441% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.0441% | 5,227 |
| Net charge-offs to loans | 0.5809% | 2,012 |
| Credit loss provision to net charge-offs | 67.5325% | 4,397 |
| Earnings coverage of net charge-offs (x) | 0.9740% | 4,286 |
| Efficiency ratio | 79.3356% | 2,937 |
| Assets per employee ($millions) | 5.4543% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4019% | 848 |
| Loan loss allowance to noncurrent loans | 48.5297% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 7.2699% | 450 |
| Noncurrent loans to loans | 4.9494% | 1,101 |
| Net loans and leases to total assets | 86.7892% | 355 |
| Net loans and leases to deposits | 109.1221% | 659 |
| Net loans and leases to core deposits | 113.3835% | 3,067 |
| Total domestic deposits to total assets | 79.5341% | 5,532 |
| Equity capital to assets | 10.5582% | 3,403 |
| Core capital (leverage) ratio | 8.7269% | 5,105 |
| Tier 1 risk-based capital ratio | 9.0328% | 7,778 |
| Total risk-based capital ratio | 11.9265% | 6,122 |
| Memoranda: | ||
| Average total assets | $655,850,500 | 1,087 |
| Average earning assets | $593,873,500 | 1,086 |
| Average equity | $67,811,500 | 990 |
| Average total loans | $583,219,000 | 854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0935% | 5,077 |
| Cost of funding earning assets | 3.0074% | 1,848 |
| Net interest margin | 3.0861% | 6,690 |
| Noninterest income to average assets | 0.3731% | 5,710 |
| Noninterest expense to average assets | 2.2933% | 6,725 |
| Loan and lease loss provision to assets | 1.9651% | 617 |
| Net operating income to assets | -0.6508% | 7,039 |
| Return on assets (ROA) | -0.6499% | 6,931 |
| Pretax return on assets | -1.0706% | 7,044 |
| Return on Equity (ROE) | -6.6760% | 7,017 |
| Retained earnings to average equity (ytd only) | -6.6760% | 6,750 |
| Net charge-offs to loans | 1.0700% | 1,140 |
| Credit loss provision to net charge-offs | 204.9903% | 2,372 |
| Earnings coverage of net charge-offs (x) | 0.9316% | 5,668 |
| Efficiency ratio | 71.5525% | 4,021 |
| Assets per employee ($millions) | 5.3878% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3602% | 791 |
| Loan loss allowance to noncurrent loans | 50.4788% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 6.3360% | 448 |
| Noncurrent loans to loans | 4.6756% | 1,002 |
| Net loans and leases to total assets | 86.8272% | 491 |
| Net loans and leases to deposits | 110.8817% | 774 |
| Net loans and leases to core deposits | 120.4359% | 2,645 |
| Total domestic deposits to total assets | 78.3062% | 5,610 |
| Equity capital to assets | 10.1287% | 3,885 |
| Core capital (leverage) ratio | 8.7760% | 5,073 |
| Tier 1 risk-based capital ratio | 8.8802% | 7,862 |
| Total risk-based capital ratio | 11.7127% | 6,126 |
| Memoranda: | ||
| Average total assets | $643,818,600 | 1,041 |
| Average earning assets | $586,924,400 | 1,052 |
| Average equity | $62,671,800 | 1,074 |
| Average total loans | $576,800,200 | 829 |