Home > Union Federal Savings Bank > Performance and Condition Ratios
Union Federal Savings Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7551% | 6,397 |
| Cost of funding earning assets | 0.5468% | 1,875 |
| Net interest margin | 0.2083% | 6,411 |
| Noninterest income to average assets | -1.0095% | 6,411 |
| Noninterest expense to average assets | 1.4036% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.2060% | 6,371 |
| Return on assets (ROA) | -2.2060% | 6,373 |
| Pretax return on assets | -2.2060% | 6,369 |
| Return on Equity (ROE) | -13.4082% | 6,339 |
| Retained earnings to average equity (ytd only) | -13.4082% | 6,205 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -174.9104% | 6,415 |
| Assets per employee ($millions) | 11.9991% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 3,660 |
| Noncurrent loans to loans | 4.6946% | 312 |
| Net loans and leases to total assets | 12.9267% | 6,348 |
| Net loans and leases to deposits | 15.7406% | 6,346 |
| Net loans and leases to core deposits | 15.9903% | 6,341 |
| Total domestic deposits to total assets | 82.1236% | 4,477 |
| Equity capital to assets | 17.0452% | 418 |
| Core capital (leverage) ratio | 16.3052% | 431 |
| Tier 1 risk-based capital ratio | 216.2661% | 27 |
| Total risk-based capital ratio | 216.2661% | 27 |
| Memoranda: | ||
| Average total assets | $139,075,500 | 3,825 |
| Average earning assets | $138,261,000 | 3,649 |
| Average equity | $22,881,500 | 2,941 |
| Average total loans | $17,202,000 | 6,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4963% | 6,328 |
| Cost of funding earning assets | 0.8443% | 526 |
| Net interest margin | 1.6519% | 6,419 |
| Noninterest income to average assets | 0.2200% | 5,542 |
| Noninterest expense to average assets | 1.6894% | 6,164 |
| Loan and lease loss provision to assets | -0.0413% | 6,002 |
| Net operating income to assets | 0.0854% | 5,974 |
| Return on assets (ROA) | -0.6037% | 6,320 |
| Pretax return on assets | -0.4859% | 6,287 |
| Return on Equity (ROE) | -4.4714% | 6,278 |
| Retained earnings to average equity (ytd only) | -4.4714% | 6,160 |
| Net charge-offs to loans | 1.9371% | 102 |
| Credit loss provision to net charge-offs | -7.9827% | 5,305 |
| Earnings coverage of net charge-offs (x) | 0.3128% | 4,664 |
| Efficiency ratio | 91.2519% | 763 |
| Assets per employee ($millions) | 13.2874% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 3,768 |
| Noncurrent loans to loans | 5.1205% | 278 |
| Net loans and leases to total assets | 11.8650% | 6,447 |
| Net loans and leases to deposits | 14.2532% | 6,444 |
| Net loans and leases to core deposits | 14.4542% | 6,434 |
| Total domestic deposits to total assets | 83.2445% | 3,994 |
| Equity capital to assets | 15.9174% | 549 |
| Core capital (leverage) ratio | 15.9174% | 476 |
| Tier 1 risk-based capital ratio | 221.0241% | 25 |
| Total risk-based capital ratio | 220.8531% | 25 |
| Memoranda: | ||
| Average total assets | $179,059,800 | 3,219 |
| Average earning assets | $176,825,200 | 3,081 |
| Average equity | $24,175,800 | 2,740 |
| Average total loans | $47,855,400 | 4,887 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7405% | 6,313 |
| Cost of funding earning assets | 0.8851% | 452 |
| Net interest margin | 1.8554% | 6,473 |
| Noninterest income to average assets | -0.1132% | 6,530 |
| Noninterest expense to average assets | 1.6794% | 6,221 |
| Loan and lease loss provision to assets | -0.0527% | 6,195 |
| Net operating income to assets | -0.0605% | 6,193 |
| Return on assets (ROA) | -1.0337% | 6,465 |
| Pretax return on assets | -0.8835% | 6,435 |
| Return on Equity (ROE) | -7.9331% | 6,418 |
| Retained earnings to average equity (ytd only) | -7.9331% | 6,342 |
| Net charge-offs to loans | 2.2276% | 83 |
| Credit loss provision to net charge-offs | -7.9827% | 5,235 |
| Earnings coverage of net charge-offs (x) | 0.0561% | 4,439 |
| Efficiency ratio | 97.8432% | 437 |
| Assets per employee ($millions) | 14.6721% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 3,758 |
| Noncurrent loans to loans | 3.0749% | 857 |
| Net loans and leases to total assets | 20.7986% | 6,438 |
| Net loans and leases to deposits | 24.4739% | 6,440 |
| Net loans and leases to core deposits | 24.8095% | 6,448 |
| Total domestic deposits to total assets | 84.9828% | 3,342 |
| Equity capital to assets | 13.2411% | 1,307 |
| Core capital (leverage) ratio | 13.0342% | 1,161 |
| Tier 1 risk-based capital ratio | 56.5997% | 106 |
| Total risk-based capital ratio | 56.4934% | 111 |
| Memoranda: | ||
| Average total assets | $187,284,500 | 3,164 |
| Average earning assets | $184,680,500 | 3,004 |
| Average equity | $24,403,500 | 2,723 |
| Average total loans | $55,483,750 | 4,674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0619% | 6,113 |
| Cost of funding earning assets | 0.9877% | 272 |
| Net interest margin | 2.0742% | 6,497 |
| Noninterest income to average assets | 2.2646% | 287 |
| Noninterest expense to average assets | 1.6145% | 6,343 |
| Loan and lease loss provision to assets | -0.0775% | 6,349 |
| Net operating income to assets | 2.3889% | 168 |
| Return on assets (ROA) | 1.3967% | 1,112 |
| Pretax return on assets | 1.6165% | 1,211 |
| Return on Equity (ROE) | 10.7724% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.7724% | 573 |
| Net charge-offs to loans | 3.0014% | 53 |
| Credit loss provision to net charge-offs | -7.9827% | 5,072 |
| Earnings coverage of net charge-offs (x) | 2.7745% | 3,469 |
| Efficiency ratio | 37.4818% | 6,559 |
| Assets per employee ($millions) | 14.6628% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 3,753 |
| Noncurrent loans to loans | 2.8422% | 1,055 |
| Net loans and leases to total assets | 20.1005% | 6,504 |
| Net loans and leases to deposits | 23.5237% | 6,517 |
| Net loans and leases to core deposits | 23.9343% | 6,520 |
| Total domestic deposits to total assets | 85.4478% | 3,311 |
| Equity capital to assets | 13.6289% | 1,116 |
| Core capital (leverage) ratio | 13.4932% | 977 |
| Tier 1 risk-based capital ratio | 59.5962% | 89 |
| Total risk-based capital ratio | 59.5335% | 93 |
| Memoranda: | ||
| Average total assets | $191,024,330 | 3,138 |
| Average earning assets | $188,116,670 | 2,976 |
| Average equity | $24,767,000 | 2,685 |
| Average total loans | $61,772,000 | 4,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 5,001 |
| Cost of funding earning assets | 0.7868% | 798 |
| Net interest margin | 2.8644% | 5,823 |
| Noninterest income to average assets | 3.0958% | 177 |
| Noninterest expense to average assets | 1.4684% | 6,516 |
| Loan and lease loss provision to assets | -0.2134% | 6,574 |
| Net operating income to assets | 4.2925% | 57 |
| Return on assets (ROA) | 3.9827% | 68 |
| Pretax return on assets | 4.3215% | 77 |
| Return on Equity (ROE) | 31.5219% | 58 |
| Retained earnings to average equity (ytd only) | 31.5219% | 34 |
| Net charge-offs to loans | -0.1361% | 6,256 |
| Credit loss provision to net charge-offs | 408.0000% | 642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8320% | 6,698 |
| Assets per employee ($millions) | 13.9072% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 2,597 |
| Loan loss allowance to noncurrent loans | 70.7504% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 3,806 |
| Noncurrent loans to loans | 2.2953% | 1,555 |
| Net loans and leases to total assets | 28.7497% | 6,396 |
| Net loans and leases to deposits | 33.3986% | 6,389 |
| Net loans and leases to core deposits | 33.9539% | 6,412 |
| Total domestic deposits to total assets | 86.0807% | 3,327 |
| Equity capital to assets | 13.0780% | 1,274 |
| Core capital (leverage) ratio | 13.4279% | 995 |
| Tier 1 risk-based capital ratio | 42.0592% | 207 |
| Total risk-based capital ratio | 43.0526% | 207 |
| Memoranda: | ||
| Average total assets | $191,228,000 | 3,151 |
| Average earning assets | $188,104,000 | 2,990 |
| Average equity | $24,161,000 | 2,738 |
| Average total loans | $73,500,500 | 4,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 6,151 |
| Cost of funding earning assets | 0.7828% | 1,303 |
| Net interest margin | 2.4021% | 6,442 |
| Noninterest income to average assets | 0.1552% | 6,159 |
| Noninterest expense to average assets | 1.1897% | 6,716 |
| Loan and lease loss provision to assets | 0.1431% | 2,515 |
| Net operating income to assets | 1.1777% | 1,656 |
| Return on assets (ROA) | 1.1777% | 1,711 |
| Pretax return on assets | 1.1756% | 2,668 |
| Return on Equity (ROE) | 10.7283% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.7283% | 457 |
| Net charge-offs to loans | 0.3119% | 2,125 |
| Credit loss provision to net charge-offs | 116.8033% | 2,060 |
| Earnings coverage of net charge-offs (x) | 10.7623% | 2,320 |
| Efficiency ratio | 47.4274% | 6,506 |
| Assets per employee ($millions) | 14.4427% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,096 |
| Loan loss allowance to noncurrent loans | 67.5895% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 3,806 |
| Noncurrent loans to loans | 1.6437% | 2,442 |
| Net loans and leases to total assets | 47.4555% | 5,352 |
| Net loans and leases to deposits | 54.5561% | 5,422 |
| Net loans and leases to core deposits | 55.4846% | 5,579 |
| Total domestic deposits to total assets | 86.9846% | 2,732 |
| Equity capital to assets | 12.1749% | 1,697 |
| Core capital (leverage) ratio | 12.8650% | 1,192 |
| Tier 1 risk-based capital ratio | 24.5979% | 895 |
| Total risk-based capital ratio | 25.2940% | 943 |
| Memoranda: | ||
| Average total assets | $199,124,800 | 3,041 |
| Average earning assets | $195,079,600 | 2,887 |
| Average equity | $21,858,000 | 2,939 |
| Average total loans | $78,221,600 | 3,996 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0378% | 6,385 |
| Cost of funding earning assets | 0.7783% | 1,436 |
| Net interest margin | 2.2595% | 6,610 |
| Noninterest income to average assets | 0.1848% | 6,087 |
| Noninterest expense to average assets | 1.2609% | 6,764 |
| Loan and lease loss provision to assets | 0.2938% | 1,165 |
| Net operating income to assets | 0.8496% | 3,099 |
| Return on assets (ROA) | 0.8496% | 3,213 |
| Pretax return on assets | 0.8437% | 4,126 |
| Return on Equity (ROE) | 7.9414% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.9414% | 1,432 |
| Net charge-offs to loans | 0.4323% | 1,484 |
| Credit loss provision to net charge-offs | 182.3770% | 1,328 |
| Earnings coverage of net charge-offs (x) | 7.0614% | 2,854 |
| Efficiency ratio | 52.5736% | 6,220 |
| Assets per employee ($millions) | 16.1569% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,145 |
| Loan loss allowance to noncurrent loans | 100.3457% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 4,298 |
| Noncurrent loans to loans | 1.3428% | 3,172 |
| Net loans and leases to total assets | 43.8414% | 5,736 |
| Net loans and leases to deposits | 50.1292% | 5,829 |
| Net loans and leases to core deposits | 51.0250% | 5,949 |
| Total domestic deposits to total assets | 87.4569% | 2,439 |
| Equity capital to assets | 11.6194% | 2,201 |
| Core capital (leverage) ratio | 11.9640% | 1,696 |
| Tier 1 risk-based capital ratio | 24.1591% | 974 |
| Total risk-based capital ratio | 25.0026% | 1,019 |
| Memoranda: | ||
| Average total assets | $201,967,250 | 3,035 |
| Average earning assets | $197,855,250 | 2,877 |
| Average equity | $21,607,750 | 3,004 |
| Average total loans | $75,251,750 | 4,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9224% | 6,516 |
| Cost of funding earning assets | 0.7720% | 1,573 |
| Net interest margin | 2.1504% | 6,710 |
| Noninterest income to average assets | 0.1827% | 6,113 |
| Noninterest expense to average assets | 1.2293% | 6,823 |
| Loan and lease loss provision to assets | 0.3264% | 1,059 |
| Net operating income to assets | 0.7339% | 3,645 |
| Return on assets (ROA) | 0.7339% | 3,803 |
| Pretax return on assets | 0.7339% | 4,559 |
| Return on Equity (ROE) | 7.0513% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.0513% | 1,869 |
| Net charge-offs to loans | 0.6814% | 967 |
| Credit loss provision to net charge-offs | 136.8852% | 1,656 |
| Earnings coverage of net charge-offs (x) | 4.4467% | 3,126 |
| Efficiency ratio | 53.6918% | 6,169 |
| Assets per employee ($millions) | 14.6730% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,191 |
| Loan loss allowance to noncurrent loans | 120.4128% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 4,907 |
| Noncurrent loans to loans | 1.1336% | 3,667 |
| Net loans and leases to total assets | 39.7758% | 6,059 |
| Net loans and leases to deposits | 45.2559% | 6,155 |
| Net loans and leases to core deposits | 46.1697% | 6,230 |
| Total domestic deposits to total assets | 87.8909% | 2,321 |
| Equity capital to assets | 11.3028% | 2,462 |
| Core capital (leverage) ratio | 11.6465% | 1,833 |
| Tier 1 risk-based capital ratio | 25.1906% | 856 |
| Total risk-based capital ratio | 25.9621% | 890 |
| Memoranda: | ||
| Average total assets | $204,662,000 | 3,006 |
| Average earning assets | $200,518,000 | 2,869 |
| Average equity | $21,301,000 | 3,062 |
| Average total loans | $71,615,000 | 4,251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7619% | 6,702 |
| Cost of funding earning assets | 0.7429% | 1,904 |
| Net interest margin | 2.0190% | 6,834 |
| Noninterest income to average assets | 0.2193% | 5,909 |
| Noninterest expense to average assets | 1.0963% | 6,937 |
| Loan and lease loss provision to assets | 0.2873% | 1,220 |
| Net operating income to assets | 0.7712% | 3,324 |
| Return on assets (ROA) | 0.7712% | 3,463 |
| Pretax return on assets | 0.8185% | 4,098 |
| Return on Equity (ROE) | 7.7085% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.7085% | 1,854 |
| Net charge-offs to loans | 0.0348% | 3,542 |
| Credit loss provision to net charge-offs | 2,533.3333% | 120 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 386 |
| Efficiency ratio | 49.7854% | 6,517 |
| Assets per employee ($millions) | 16.5769% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 3,964 |
| Loan loss allowance to noncurrent loans | 81.9867% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 4,728 |
| Noncurrent loans to loans | 1.7831% | 2,890 |
| Net loans and leases to total assets | 32.1217% | 6,510 |
| Net loans and leases to deposits | 35.8542% | 6,577 |
| Net loans and leases to core deposits | 36.4339% | 6,613 |
| Total domestic deposits to total assets | 89.5897% | 1,304 |
| Equity capital to assets | 9.7937% | 4,431 |
| Core capital (leverage) ratio | 9.4934% | 4,096 |
| Tier 1 risk-based capital ratio | 25.7318% | 817 |
| Total risk-based capital ratio | 25.8443% | 930 |
| Memoranda: | ||
| Average total assets | $211,618,500 | 2,963 |
| Average earning assets | $207,827,500 | 2,806 |
| Average equity | $21,171,500 | 3,115 |
| Average total loans | $68,961,500 | 4,377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6803% | 6,885 |
| Cost of funding earning assets | 0.6131% | 4,228 |
| Net interest margin | 2.0672% | 6,912 |
| Noninterest income to average assets | 0.1834% | 6,089 |
| Noninterest expense to average assets | 1.7151% | 6,710 |
| Loan and lease loss provision to assets | 0.1933% | 3,218 |
| Net operating income to assets | 0.2681% | 5,581 |
| Return on assets (ROA) | 0.2681% | 5,794 |
| Pretax return on assets | 0.2972% | 5,821 |
| Return on Equity (ROE) | 2.3525% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.3525% | 4,576 |
| Net charge-offs to loans | 0.4891% | 2,274 |
| Credit loss provision to net charge-offs | 132.1267% | 2,120 |
| Earnings coverage of net charge-offs (x) | 3.3529% | 3,766 |
| Efficiency ratio | 77.7611% | 2,485 |
| Assets per employee ($millions) | 15.9300% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,562 |
| Loan loss allowance to noncurrent loans | 92.3965% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,872 |
| Noncurrent loans to loans | 1.6685% | 3,120 |
| Net loans and leases to total assets | 32.0726% | 6,627 |
| Net loans and leases to deposits | 36.0923% | 6,678 |
| Net loans and leases to core deposits | 36.8082% | 6,705 |
| Total domestic deposits to total assets | 88.8627% | 1,664 |
| Equity capital to assets | 10.2605% | 3,811 |
| Core capital (leverage) ratio | 9.5207% | 4,076 |
| Tier 1 risk-based capital ratio | 25.2116% | 826 |
| Total risk-based capital ratio | 25.3401% | 941 |
| Memoranda: | ||
| Average total assets | $151,073,400 | 3,754 |
| Average earning assets | $147,781,600 | 3,588 |
| Average equity | $17,215,400 | 3,585 |
| Average total loans | $45,183,200 | 5,278 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6265% | 7,023 |
| Cost of funding earning assets | 0.5768% | 4,858 |
| Net interest margin | 2.0497% | 7,022 |
| Noninterest income to average assets | 0.1843% | 6,202 |
| Noninterest expense to average assets | 1.6514% | 6,826 |
| Loan and lease loss provision to assets | 0.1683% | 3,435 |
| Net operating income to assets | 0.3668% | 5,384 |
| Return on assets (ROA) | 0.3668% | 5,581 |
| Pretax return on assets | 0.3668% | 5,797 |
| Return on Equity (ROE) | 3.1134% | 5,642 |
| Retained earnings to average equity (ytd only) | 3.1134% | 4,684 |
| Net charge-offs to loans | 0.5768% | 1,894 |
| Credit loss provision to net charge-offs | 100.5650% | 2,942 |
| Earnings coverage of net charge-offs (x) | 3.1978% | 3,750 |
| Efficiency ratio | 75.5296% | 2,743 |
| Assets per employee ($millions) | 12.6172% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 3,577 |
| Loan loss allowance to noncurrent loans | 70.8599% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 4,531 |
| Noncurrent loans to loans | 2.2383% | 2,571 |
| Net loans and leases to total assets | 33.6689% | 6,673 |
| Net loans and leases to deposits | 38.3976% | 6,739 |
| Net loans and leases to core deposits | 38.8099% | 6,778 |
| Total domestic deposits to total assets | 87.6847% | 2,236 |
| Equity capital to assets | 11.6702% | 2,569 |
| Core capital (leverage) ratio | 11.0690% | 2,322 |
| Tier 1 risk-based capital ratio | 28.0316% | 657 |
| Total risk-based capital ratio | 28.2958% | 722 |
| Memoranda: | ||
| Average total assets | $141,051,750 | 3,973 |
| Average earning assets | $137,769,500 | 3,795 |
| Average equity | $16,615,750 | 3,716 |
| Average total loans | $40,911,500 | 5,525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5759% | 7,108 |
| Cost of funding earning assets | 0.5443% | 5,337 |
| Net interest margin | 2.0316% | 7,095 |
| Noninterest income to average assets | 0.1619% | 6,371 |
| Noninterest expense to average assets | 1.6732% | 6,862 |
| Loan and lease loss provision to assets | 0.1020% | 4,246 |
| Net operating income to assets | 0.3733% | 5,334 |
| Return on assets (ROA) | 0.3733% | 5,558 |
| Pretax return on assets | 0.3733% | 5,773 |
| Return on Equity (ROE) | 3.1572% | 5,622 |
| Retained earnings to average equity (ytd only) | 3.1572% | 4,518 |
| Net charge-offs to loans | 0.9876% | 1,124 |
| Credit loss provision to net charge-offs | 38.4181% | 4,302 |
| Earnings coverage of net charge-offs (x) | 1.7910% | 4,083 |
| Efficiency ratio | 77.8786% | 2,472 |
| Assets per employee ($millions) | 10.9435% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8605% | 2,669 |
| Loan loss allowance to noncurrent loans | 70.5244% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 4,852 |
| Noncurrent loans to loans | 2.6381% | 2,277 |
| Net loans and leases to total assets | 28.9205% | 6,904 |
| Net loans and leases to deposits | 32.9160% | 6,941 |
| Net loans and leases to core deposits | 33.3279% | 6,967 |
| Total domestic deposits to total assets | 87.8615% | 2,240 |
| Equity capital to assets | 11.4251% | 2,665 |
| Core capital (leverage) ratio | 11.0437% | 2,259 |
| Tier 1 risk-based capital ratio | 31.2817% | 467 |
| Total risk-based capital ratio | 31.7616% | 493 |
| Memoranda: | ||
| Average total assets | $133,394,330 | 4,133 |
| Average earning assets | $130,438,330 | 3,949 |
| Average equity | $15,773,670 | 3,840 |
| Average total loans | $35,843,670 | 5,791 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4266% | 7,189 |
| Cost of funding earning assets | 0.5087% | 5,758 |
| Net interest margin | 1.9179% | 7,185 |
| Noninterest income to average assets | 0.2047% | 6,161 |
| Noninterest expense to average assets | 1.6563% | 6,929 |
| Loan and lease loss provision to assets | 0.0155% | 5,127 |
| Net operating income to assets | 0.4156% | 5,192 |
| Return on assets (ROA) | 0.4156% | 5,381 |
| Pretax return on assets | 0.4156% | 5,676 |
| Return on Equity (ROE) | 3.4506% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.4506% | 4,508 |
| Net charge-offs to loans | -0.4268% | 7,126 |
| Credit loss provision to net charge-offs | -14.2857% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3462% | 2,297 |
| Assets per employee ($millions) | 12.0382% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 1,685 |
| Loan loss allowance to noncurrent loans | 74.8590% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 4,634 |
| Noncurrent loans to loans | 3.0660% | 2,094 |
| Net loans and leases to total assets | 29.8648% | 6,913 |
| Net loans and leases to deposits | 34.2609% | 6,943 |
| Net loans and leases to core deposits | 34.7245% | 6,974 |
| Total domestic deposits to total assets | 87.1689% | 2,854 |
| Equity capital to assets | 12.0896% | 1,980 |
| Core capital (leverage) ratio | 11.7697% | 1,725 |
| Tier 1 risk-based capital ratio | 32.1718% | 429 |
| Total risk-based capital ratio | 33.0461% | 433 |
| Memoranda: | ||
| Average total assets | $128,958,500 | 4,257 |
| Average earning assets | $126,594,500 | 4,047 |
| Average equity | $15,533,500 | 3,882 |
| Average total loans | $32,803,500 | 5,962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2251% | 7,323 |
| Cost of funding earning assets | 0.7142% | 5,441 |
| Net interest margin | 0.5110% | 7,332 |
| Noninterest income to average assets | 0.4761% | 4,023 |
| Noninterest expense to average assets | 2.8437% | 4,188 |
| Loan and lease loss provision to assets | 0.3681% | 2,785 |
| Net operating income to assets | -2.2417% | 7,069 |
| Return on assets (ROA) | -2.2417% | 7,087 |
| Pretax return on assets | -2.2429% | 7,076 |
| Return on Equity (ROE) | -14.5560% | 6,881 |
| Retained earnings to average equity (ytd only) | -14.5560% | 6,859 |
| Net charge-offs to loans | 2.1153% | 630 |
| Credit loss provision to net charge-offs | 118.3206% | 2,711 |
| Earnings coverage of net charge-offs (x) | -6.0267% | 6,372 |
| Efficiency ratio | 250.9804% | 34 |
| Assets per employee ($millions) | 12.5497% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,386 |
| Loan loss allowance to noncurrent loans | 75.9062% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 6,042 |
| Noncurrent loans to loans | 1.8662% | 3,390 |
| Net loans and leases to total assets | 19.7415% | 7,211 |
| Net loans and leases to deposits | 22.6198% | 7,229 |
| Net loans and leases to core deposits | 22.9419% | 7,226 |
| Total domestic deposits to total assets | 87.2754% | 2,593 |
| Equity capital to assets | 11.9987% | 2,126 |
| Core capital (leverage) ratio | 11.7434% | 1,740 |
| Tier 1 risk-based capital ratio | 52.1486% | 122 |
| Total risk-based capital ratio | 53.2069% | 122 |
| Memoranda: | ||
| Average total assets | $84,221,000 | 5,333 |
| Average earning assets | $81,215,000 | 5,195 |
| Average equity | $12,970,600 | 4,344 |
| Average total loans | $12,386,200 | 7,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0085% | 7,409 |
| Cost of funding earning assets | 0.7880% | 5,231 |
| Net interest margin | 0.2206% | 7,424 |
| Noninterest income to average assets | 0.6784% | 2,729 |
| Noninterest expense to average assets | 3.2276% | 2,738 |
| Loan and lease loss provision to assets | 0.5972% | 1,653 |
| Net operating income to assets | -2.9335% | 7,262 |
| Return on assets (ROA) | -2.9335% | 7,269 |
| Pretax return on assets | -2.9353% | 7,265 |
| Return on Equity (ROE) | -17.4150% | 7,058 |
| Retained earnings to average equity (ytd only) | -17.4150% | 7,040 |
| Net charge-offs to loans | 3.7246% | 191 |
| Credit loss provision to net charge-offs | 128.7938% | 2,472 |
| Earnings coverage of net charge-offs (x) | -5.0428% | 6,099 |
| Efficiency ratio | 305.0710% | 20 |
| Assets per employee ($millions) | 7.9837% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6467% | 1,208 |
| Loan loss allowance to noncurrent loans | 129.0541% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 6,149 |
| Noncurrent loans to loans | 2.0509% | 3,299 |
| Net loans and leases to total assets | 17.5996% | 7,311 |
| Net loans and leases to deposits | 20.7883% | 7,323 |
| Net loans and leases to core deposits | 21.2710% | 7,320 |
| Total domestic deposits to total assets | 84.6612% | 3,937 |
| Equity capital to assets | 14.2327% | 1,074 |
| Core capital (leverage) ratio | 13.7488% | 974 |
| Tier 1 risk-based capital ratio | 74.1892% | 72 |
| Total risk-based capital ratio | 75.4403% | 72 |
| Memoranda: | ||
| Average total assets | $73,902,000 | 5,685 |
| Average earning assets | $70,728,000 | 5,559 |
| Average equity | $12,448,750 | 4,462 |
| Average total loans | $9,200,000 | 7,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9627% | 7,484 |
| Cost of funding earning assets | 0.7585% | 5,631 |
| Net interest margin | 0.2042% | 7,500 |
| Noninterest income to average assets | 1.0428% | 1,211 |
| Noninterest expense to average assets | 3.6594% | 1,606 |
| Loan and lease loss provision to assets | 0.8398% | 1,077 |
| Net operating income to assets | -3.2562% | 7,337 |
| Return on assets (ROA) | -3.2562% | 7,344 |
| Pretax return on assets | -3.2618% | 7,335 |
| Return on Equity (ROE) | -18.2816% | 7,132 |
| Retained earnings to average equity (ytd only) | -18.2816% | 7,113 |
| Net charge-offs to loans | 6.7063% | 62 |
| Credit loss provision to net charge-offs | 120.8000% | 2,525 |
| Earnings coverage of net charge-offs (x) | -3.4840% | 5,769 |
| Efficiency ratio | 250.5618% | 34 |
| Assets per employee ($millions) | 7.3424% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3004% | 158 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,869 |
| Noncurrent loans to loans | 4.3581% | 1,546 |
| Net loans and leases to total assets | 8.7601% | 7,442 |
| Net loans and leases to deposits | 10.5737% | 7,453 |
| Net loans and leases to core deposits | 10.8658% | 7,445 |
| Total domestic deposits to total assets | 82.8476% | 4,827 |
| Equity capital to assets | 15.9280% | 616 |
| Core capital (leverage) ratio | 15.4791% | 587 |
| Tier 1 risk-based capital ratio | 223.9191% | 26 |
| Total risk-based capital ratio | 225.1686% | 26 |
| Memoranda: | ||
| Average total assets | $71,923,670 | 5,782 |
| Average earning assets | $68,556,330 | 5,679 |
| Average equity | $12,810,670 | 4,384 |
| Average total loans | $7,455,670 | 7,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0329% | 7,544 |
| Cost of funding earning assets | 0.7301% | 5,978 |
| Net interest margin | 0.3027% | 7,556 |
| Noninterest income to average assets | 1.9614% | 362 |
| Noninterest expense to average assets | 3.9453% | 1,110 |
| Loan and lease loss provision to assets | 0.0562% | 5,301 |
| Net operating income to assets | -1.7591% | 7,246 |
| Return on assets (ROA) | -1.7591% | 7,248 |
| Pretax return on assets | -1.7535% | 7,217 |
| Return on Equity (ROE) | -9.3653% | 7,009 |
| Retained earnings to average equity (ytd only) | -9.3653% | 6,835 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.5000% | 168 |
| Assets per employee ($millions) | 7.0904% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3772% | 320 |
| Loan loss allowance to noncurrent loans | 33.3683% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 4,047 |
| Noncurrent loans to loans | 13.1177% | 226 |
| Net loans and leases to total assets | 9.7978% | 7,502 |
| Net loans and leases to deposits | 12.0639% | 7,510 |
| Net loans and leases to core deposits | 12.4713% | 7,499 |
| Total domestic deposits to total assets | 81.2154% | 5,603 |
| Equity capital to assets | 17.5942% | 396 |
| Core capital (leverage) ratio | 17.1525% | 387 |
| Tier 1 risk-based capital ratio | 104.2998% | 51 |
| Total risk-based capital ratio | 105.5431% | 51 |
| Memoranda: | ||
| Average total assets | $71,173,500 | 5,841 |
| Average earning assets | $67,384,000 | 5,751 |
| Average equity | $13,368,500 | 4,250 |
| Average total loans | $7,787,500 | 7,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7250% | 7,611 |
| Cost of funding earning assets | 0.9425% | 5,967 |
| Net interest margin | -0.2175% | 7,651 |
| Noninterest income to average assets | 0.4125% | 4,802 |
| Noninterest expense to average assets | 2.2822% | 6,405 |
| Loan and lease loss provision to assets | 0.2806% | 4,564 |
| Net operating income to assets | -1.5963% | 6,937 |
| Return on assets (ROA) | -1.5911% | 6,957 |
| Pretax return on assets | -2.3280% | 7,121 |
| Return on Equity (ROE) | -5.9348% | 6,491 |
| Retained earnings to average equity (ytd only) | -5.9348% | 6,375 |
| Net charge-offs to loans | 2.3008% | 839 |
| Credit loss provision to net charge-offs | 207.1795% | 1,487 |
| Earnings coverage of net charge-offs (x) | -15.1744% | 6,813 |
| Efficiency ratio | 912.2324% | 8 |
| Assets per employee ($millions) | 6.4948% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8869% | 440 |
| Loan loss allowance to noncurrent loans | 23.7850% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 3,253 |
| Noncurrent loans to loans | 16.3418% | 123 |
| Net loans and leases to total assets | 11.1795% | 7,583 |
| Net loans and leases to deposits | 14.1749% | 7,586 |
| Net loans and leases to core deposits | 14.4363% | 7,572 |
| Total domestic deposits to total assets | 78.8685% | 6,113 |
| Equity capital to assets | 19.9628% | 263 |
| Core capital (leverage) ratio | 17.4794% | 360 |
| Tier 1 risk-based capital ratio | 100.2735% | 51 |
| Total risk-based capital ratio | 101.5249% | 50 |
| Memoranda: | ||
| Average total assets | $143,984,800 | 3,984 |
| Average earning assets | $122,753,000 | 4,170 |
| Average equity | $38,602,800 | 1,716 |
| Average total loans | $8,475,200 | 7,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7023% | 7,733 |
| Cost of funding earning assets | 0.9968% | 5,949 |
| Net interest margin | -0.2946% | 7,756 |
| Noninterest income to average assets | 0.4819% | 4,320 |
| Noninterest expense to average assets | 2.1654% | 6,699 |
| Loan and lease loss provision to assets | 0.1612% | 5,420 |
| Net operating income to assets | -1.3976% | 7,073 |
| Return on assets (ROA) | -1.3915% | 7,092 |
| Pretax return on assets | -2.0840% | 7,219 |
| Return on Equity (ROE) | -5.0482% | 6,653 |
| Retained earnings to average equity (ytd only) | -5.0482% | 6,557 |
| Net charge-offs to loans | 1.4872% | 1,352 |
| Credit loss provision to net charge-offs | 206.3158% | 1,718 |
| Earnings coverage of net charge-offs (x) | -24.7270% | 6,648 |
| Efficiency ratio | 857.0423% | 6 |
| Assets per employee ($millions) | 12.4806% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5129% | 1,305 |
| Loan loss allowance to noncurrent loans | 24.8548% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 5,453 |
| Noncurrent loans to loans | 10.1104% | 410 |
| Net loans and leases to total assets | 6.6519% | 7,699 |
| Net loans and leases to deposits | 10.3600% | 7,702 |
| Net loans and leases to core deposits | 10.4933% | 7,687 |
| Total domestic deposits to total assets | 64.2077% | 7,513 |
| Equity capital to assets | 35.1554% | 64 |
| Core capital (leverage) ratio | 34.0929% | 66 |
| Tier 1 risk-based capital ratio | 126.0723% | 49 |
| Total risk-based capital ratio | 126.7169% | 49 |
| Memoranda: | ||
| Average total assets | $162,120,250 | 3,712 |
| Average earning assets | $136,695,000 | 3,924 |
| Average equity | $44,688,000 | 1,502 |
| Average total loans | $8,516,500 | 7,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6842% | 7,807 |
| Cost of funding earning assets | 1.0692% | 5,825 |
| Net interest margin | -0.3850% | 7,825 |
| Noninterest income to average assets | 0.6577% | 2,969 |
| Noninterest expense to average assets | 2.2296% | 6,572 |
| Loan and lease loss provision to assets | 0.1570% | 5,326 |
| Net operating income to assets | -1.3441% | 7,096 |
| Return on assets (ROA) | -1.3359% | 7,105 |
| Pretax return on assets | -2.0452% | 7,251 |
| Return on Equity (ROE) | -5.1870% | 6,713 |
| Retained earnings to average equity (ytd only) | -5.1870% | 6,576 |
| Net charge-offs to loans | 0.7750% | 2,306 |
| Credit loss provision to net charge-offs | 415.1515% | 877 |
| Earnings coverage of net charge-offs (x) | -50.2727% | 6,355 |
| Efficiency ratio | 632.0557% | 10 |
| Assets per employee ($millions) | 12.9283% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 1,182 |
| Loan loss allowance to noncurrent loans | 19.3232% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 5,468 |
| Noncurrent loans to loans | 13.4927% | 215 |
| Net loans and leases to total assets | 5.2250% | 7,770 |
| Net loans and leases to deposits | 7.3820% | 7,775 |
| Net loans and leases to core deposits | 7.5017% | 7,760 |
| Total domestic deposits to total assets | 70.7804% | 7,280 |
| Equity capital to assets | 28.6375% | 97 |
| Core capital (leverage) ratio | 27.8793% | 96 |
| Tier 1 risk-based capital ratio | 124.8330% | 44 |
| Total risk-based capital ratio | 125.4660% | 44 |
| Memoranda: | ||
| Average total assets | $174,558,330 | 3,529 |
| Average earning assets | $149,081,670 | 3,719 |
| Average equity | $44,958,670 | 1,484 |
| Average total loans | $8,516,670 | 7,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6745% | 7,912 |
| Cost of funding earning assets | 1.0974% | 5,925 |
| Net interest margin | -0.4228% | 7,930 |
| Noninterest income to average assets | 0.4255% | 4,701 |
| Noninterest expense to average assets | 2.4551% | 5,894 |
| Loan and lease loss provision to assets | 0.2627% | 3,936 |
| Net operating income to assets | -1.7423% | 7,397 |
| Return on assets (ROA) | -1.7323% | 7,399 |
| Pretax return on assets | -2.6418% | 7,535 |
| Return on Equity (ROE) | -7.0582% | 7,000 |
| Retained earnings to average equity (ytd only) | -7.0582% | 6,749 |
| Net charge-offs to loans | 5.8513% | 186 |
| Credit loss provision to net charge-offs | 96.0317% | 3,523 |
| Earnings coverage of net charge-offs (x) | -8.7540% | 5,557 |
| Efficiency ratio | 3,803.5714% | 4 |
| Assets per employee ($millions) | 13.5802% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,282 |
| Loan loss allowance to noncurrent loans | 13.2841% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 6,320 |
| Noncurrent loans to loans | 9.3298% | 493 |
| Net loans and leases to total assets | 4.8747% | 7,874 |
| Net loans and leases to deposits | 6.5758% | 7,877 |
| Net loans and leases to core deposits | 7.3634% | 7,860 |
| Total domestic deposits to total assets | 74.1309% | 7,030 |
| Equity capital to assets | 25.3655% | 139 |
| Core capital (leverage) ratio | 24.6695% | 140 |
| Tier 1 risk-based capital ratio | 117.7289% | 45 |
| Total risk-based capital ratio | 118.0236% | 45 |
| Memoranda: | ||
| Average total assets | $184,268,000 | 3,441 |
| Average earning assets | $158,928,000 | 3,588 |
| Average equity | $45,224,000 | 1,489 |
| Average total loans | $8,613,500 | 7,700 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4587% | 729 |
| Cost of funding earning assets | 2.0058% | 2,934 |
| Net interest margin | 4.4528% | 1,287 |
| Noninterest income to average assets | -35.5508% | 8,012 |
| Noninterest expense to average assets | 1.9032% | 7,502 |
| Loan and lease loss provision to assets | 0.0626% | 6,941 |
| Net operating income to assets | -21.4203% | 8,006 |
| Return on assets (ROA) | -21.4197% | 8,006 |
| Pretax return on assets | -33.4138% | 8,011 |
| Return on Equity (ROE) | -108.5816% | 7,949 |
| Retained earnings to average equity (ytd only) | -108.5816% | 7,949 |
| Net charge-offs to loans | 0.0712% | 6,402 |
| Credit loss provision to net charge-offs | 120.4545% | 4,442 |
| Earnings coverage of net charge-offs (x) | -642.1080% | 7,241 |
| Efficiency ratio | -5.8041% | 8,001 |
| Assets per employee ($millions) | 8.7270% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,606 |
| Loan loss allowance to noncurrent loans | 14.6944% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 6,068 |
| Noncurrent loans to loans | 9.0332% | 501 |
| Net loans and leases to total assets | 4.3752% | 7,950 |
| Net loans and leases to deposits | 5.7814% | 7,955 |
| Net loans and leases to core deposits | 6.6971% | 7,950 |
| Total domestic deposits to total assets | 75.6767% | 6,744 |
| Equity capital to assets | 23.7858% | 189 |
| Core capital (leverage) ratio | 23.0151% | 192 |
| Tier 1 risk-based capital ratio | 121.1346% | 50 |
| Total risk-based capital ratio | 121.4476% | 50 |
| Memoranda: | ||
| Average total assets | $338,842,200 | 2,011 |
| Average earning assets | $312,138,800 | 1,992 |
| Average equity | $66,842,800 | 986 |
| Average total loans | $247,231,000 | 1,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2546% | 210 |
| Cost of funding earning assets | 2.1650% | 2,577 |
| Net interest margin | 5.0896% | 374 |
| Noninterest income to average assets | -41.7111% | 8,099 |
| Noninterest expense to average assets | 1.8149% | 7,649 |
| Loan and lease loss provision to assets | 0.0742% | 6,616 |
| Net operating income to assets | -25.1217% | 8,094 |
| Return on assets (ROA) | -25.1256% | 8,093 |
| Pretax return on assets | -38.8823% | 8,098 |
| Return on Equity (ROE) | -130.8075% | 8,050 |
| Retained earnings to average equity (ytd only) | -130.8075% | 8,049 |
| Net charge-offs to loans | 0.0765% | 5,916 |
| Credit loss provision to net charge-offs | 118.7500% | 4,269 |
| Earnings coverage of net charge-offs (x) | -620.9964% | 6,985 |
| Efficiency ratio | -4.7167% | 8,082 |
| Assets per employee ($millions) | 10.6680% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0734% | 8,011 |
| Loan loss allowance to noncurrent loans | 3.1636% | 7,518 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 4,242 |
| Noncurrent loans to loans | 2.3201% | 3,240 |
| Net loans and leases to total assets | 58.0095% | 5,891 |
| Net loans and leases to deposits | 72.9892% | 5,512 |
| Net loans and leases to core deposits | 102.9615% | 4,057 |
| Total domestic deposits to total assets | 79.4769% | 5,634 |
| Equity capital to assets | 20.2436% | 324 |
| Core capital (leverage) ratio | 15.0106% | 857 |
| Tier 1 risk-based capital ratio | 20.4374% | 1,469 |
| Total risk-based capital ratio | 20.4993% | 1,662 |
| Memoranda: | ||
| Average total assets | $375,554,500 | 1,829 |
| Average earning assets | $348,571,750 | 1,802 |
| Average equity | $72,136,750 | 924 |
| Average total loans | $306,910,500 | 1,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3632% | 188 |
| Cost of funding earning assets | 2.4867% | 1,660 |
| Net interest margin | 4.8765% | 567 |
| Noninterest income to average assets | -28.3020% | 8,195 |
| Noninterest expense to average assets | 1.6099% | 7,902 |
| Loan and lease loss provision to assets | 0.1226% | 5,887 |
| Net operating income to assets | -16.0515% | 8,162 |
| Return on assets (ROA) | -16.0594% | 8,159 |
| Pretax return on assets | -25.4722% | 8,179 |
| Return on Equity (ROE) | -84.4505% | 8,049 |
| Retained earnings to average equity (ytd only) | -84.4505% | 8,047 |
| Net charge-offs to loans | 0.1209% | 4,954 |
| Credit loss provision to net charge-offs | 117.7273% | 3,944 |
| Earnings coverage of net charge-offs (x) | -243.3000% | 6,620 |
| Efficiency ratio | -6.5217% | 8,170 |
| Assets per employee ($millions) | 11.4367% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0543% | 8,105 |
| Loan loss allowance to noncurrent loans | 3.2649% | 7,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 4,274 |
| Noncurrent loans to loans | 1.6626% | 4,000 |
| Net loans and leases to total assets | 80.4964% | 1,227 |
| Net loans and leases to deposits | 124.8049% | 169 |
| Net loans and leases to core deposits | 147.0876% | 727 |
| Total domestic deposits to total assets | 64.4978% | 7,810 |
| Equity capital to assets | 35.0946% | 104 |
| Core capital (leverage) ratio | 34.5113% | 112 |
| Tier 1 risk-based capital ratio | 37.8600% | 351 |
| Total risk-based capital ratio | 37.9084% | 370 |
| Memoranda: | ||
| Average total assets | $422,507,330 | 1,680 |
| Average earning assets | $396,351,330 | 1,641 |
| Average equity | $80,345,330 | 822 |
| Average total loans | $363,798,670 | 1,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2455% | 239 |
| Cost of funding earning assets | 2.5136% | 1,867 |
| Net interest margin | 4.7318% | 718 |
| Noninterest income to average assets | -36.1325% | 8,247 |
| Noninterest expense to average assets | 1.1159% | 8,143 |
| Loan and lease loss provision to assets | 0.0896% | 5,818 |
| Net operating income to assets | -20.5677% | 8,226 |
| Return on assets (ROA) | -20.5756% | 8,218 |
| Pretax return on assets | -32.8737% | 8,236 |
| Return on Equity (ROE) | -134.8551% | 8,170 |
| Retained earnings to average equity (ytd only) | -134.8551% | 8,168 |
| Net charge-offs to loans | 0.1051% | 4,123 |
| Credit loss provision to net charge-offs | 97.4576% | 3,852 |
| Earnings coverage of net charge-offs (x) | -356.6525% | 5,725 |
| Efficiency ratio | -3.3627% | 8,225 |
| Assets per employee ($millions) | 24.9917% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0150% | 8,167 |
| Loan loss allowance to noncurrent loans | 0.2458% | 7,575 |
| Noncurrent assets plus other real estate owned to assets | 5.2093% | 846 |
| Noncurrent loans to loans | 6.0968% | 778 |
| Net loans and leases to total assets | 85.4308% | 507 |
| Net loans and leases to deposits | 322.7360% | 20 |
| Net loans and leases to core deposits | 358.8668% | 30 |
| Total domestic deposits to total assets | 26.4708% | 8,180 |
| Equity capital to assets | 13.0423% | 1,723 |
| Core capital (leverage) ratio | 10.5017% | 2,924 |
| Tier 1 risk-based capital ratio | 10.9251% | 5,966 |
| Total risk-based capital ratio | 10.9388% | 7,179 |
| Memoranda: | ||
| Average total assets | $513,675,500 | 1,382 |
| Average earning assets | $485,987,500 | 1,336 |
| Average equity | $78,374,500 | 840 |
| Average total loans | $448,981,000 | 1,122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2669% | 134 |
| Cost of funding earning assets | 3.3153% | 879 |
| Net interest margin | 4.9516% | 567 |
| Noninterest income to average assets | -10.5977% | 8,305 |
| Noninterest expense to average assets | 1.7926% | 7,761 |
| Loan and lease loss provision to assets | 0.0559% | 6,712 |
| Net operating income to assets | -4.8839% | 8,083 |
| Return on assets (ROA) | -4.8808% | 8,068 |
| Pretax return on assets | -7.5962% | 8,182 |
| Return on Equity (ROE) | -28.5664% | 7,937 |
| Retained earnings to average equity (ytd only) | -28.5664% | 7,886 |
| Net charge-offs to loans | 0.0944% | 5,386 |
| Credit loss provision to net charge-offs | 71.8821% | 6,047 |
| Earnings coverage of net charge-offs (x) | -97.0249% | 7,005 |
| Efficiency ratio | -25.1395% | 8,291 |
| Assets per employee ($millions) | 20.2891% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0142% | 8,223 |
| Loan loss allowance to noncurrent loans | 0.6095% | 7,557 |
| Noncurrent assets plus other real estate owned to assets | 2.0839% | 2,363 |
| Noncurrent loans to loans | 2.3345% | 2,366 |
| Net loans and leases to total assets | 89.2519% | 255 |
| Net loans and leases to deposits | 340.4577% | 20 |
| Net loans and leases to core deposits | 378.0950% | 30 |
| Total domestic deposits to total assets | 26.2153% | 8,225 |
| Equity capital to assets | 17.3566% | 735 |
| Core capital (leverage) ratio | 17.0301% | 695 |
| Tier 1 risk-based capital ratio | 18.0592% | 2,025 |
| Total risk-based capital ratio | 18.0727% | 2,311 |
| Memoranda: | ||
| Average total assets | $567,096,200 | 1,186 |
| Average earning assets | $554,911,400 | 1,108 |
| Average equity | $96,893,600 | 689 |
| Average total loans | $467,228,200 | 1,036 |