Home > West Side Bank and Trust > Performance and Condition Ratios
West Side Bank and Trust, 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 | 4.9664% | 1,002 |
| Cost of funding earning assets | 0.6435% | 2,422 |
| Net interest margin | 4.3230% | 1,044 |
| Noninterest income to average assets | 0.3695% | 4,752 |
| Noninterest expense to average assets | 3.4902% | 1,631 |
| Loan and lease loss provision to assets | 0.0973% | 3,140 |
| Net operating income to assets | 0.6440% | 4,156 |
| Return on assets (ROA) | 0.6440% | 4,273 |
| Pretax return on assets | 0.6440% | 4,870 |
| Return on Equity (ROE) | 4.0517% | 5,200 |
| Retained earnings to average equity (ytd only) | 4.0517% | 3,809 |
| Net charge-offs to loans | -0.1231% | 6,546 |
| Credit loss provision to net charge-offs | -104.6512% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1542% | 1,948 |
| Assets per employee ($millions) | 4.8426% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,093 |
| Loan loss allowance to noncurrent loans | 86.9521% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 2,596 |
| Noncurrent loans to loans | 2.1474% | 2,071 |
| Net loans and leases to total assets | 71.2107% | 1,745 |
| Net loans and leases to deposits | 84.9504% | 1,749 |
| Net loans and leases to core deposits | 90.6059% | 1,913 |
| Total domestic deposits to total assets | 83.8263% | 4,266 |
| Equity capital to assets | 15.8131% | 582 |
| Core capital (leverage) ratio | 11.9749% | 1,690 |
| Tier 1 risk-based capital ratio | 15.2608% | 3,589 |
| Total risk-based capital ratio | 16.5204% | 3,536 |
| Memoranda: | ||
| Average total assets | $61,695,750 | 5,776 |
| Average earning assets | $55,115,250 | 5,784 |
| Average equity | $9,806,250 | 4,950 |
| Average total loans | $46,567,500 | 5,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 1,030 |
| Cost of funding earning assets | 0.6446% | 2,546 |
| Net interest margin | 4.2854% | 1,059 |
| Noninterest income to average assets | 0.4472% | 4,185 |
| Noninterest expense to average assets | 3.5446% | 1,513 |
| Loan and lease loss provision to assets | 0.0979% | 3,155 |
| Net operating income to assets | 0.6234% | 4,184 |
| Return on assets (ROA) | 0.6234% | 4,341 |
| Pretax return on assets | 0.6234% | 4,937 |
| Return on Equity (ROE) | 3.9153% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.9153% | 3,801 |
| Net charge-offs to loans | -0.1195% | 6,548 |
| Credit loss provision to net charge-offs | -107.1429% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7904% | 1,913 |
| Assets per employee ($millions) | 3.9032% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 2,700 |
| Loan loss allowance to noncurrent loans | 80.5284% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 2,498 |
| Noncurrent loans to loans | 2.1377% | 2,240 |
| Net loans and leases to total assets | 80.2504% | 514 |
| Net loans and leases to deposits | 96.7885% | 619 |
| Net loans and leases to core deposits | 103.2547% | 871 |
| Total domestic deposits to total assets | 82.9132% | 4,731 |
| Equity capital to assets | 16.8204% | 433 |
| Core capital (leverage) ratio | 12.1292% | 1,545 |
| Tier 1 risk-based capital ratio | 14.8505% | 3,874 |
| Total risk-based capital ratio | 16.0775% | 3,856 |
| Memoranda: | ||
| Average total assets | $61,276,330 | 5,828 |
| Average earning assets | $54,604,000 | 5,839 |
| Average equity | $9,756,670 | 4,996 |
| Average total loans | $46,862,330 | 5,141 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,457 |
| Cost of funding earning assets | 0.6181% | 2,939 |
| Net interest margin | 4.1109% | 1,425 |
| Noninterest income to average assets | 0.6003% | 3,138 |
| Noninterest expense to average assets | 3.4546% | 1,715 |
| Loan and lease loss provision to assets | 0.0958% | 3,075 |
| Net operating income to assets | 0.7024% | 3,676 |
| Return on assets (ROA) | 0.7024% | 3,817 |
| Pretax return on assets | 0.7024% | 4,572 |
| Return on Equity (ROE) | 4.5309% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.5309% | 3,516 |
| Net charge-offs to loans | -0.1121% | 6,490 |
| Credit loss provision to net charge-offs | -115.3846% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8799% | 2,350 |
| Assets per employee ($millions) | 4.1303% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 2,862 |
| Loan loss allowance to noncurrent loans | 81.0838% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5786% | 2,892 |
| Noncurrent loans to loans | 2.1394% | 2,450 |
| Net loans and leases to total assets | 72.5070% | 1,282 |
| Net loans and leases to deposits | 86.2687% | 1,322 |
| Net loans and leases to core deposits | 92.1778% | 1,491 |
| Total domestic deposits to total assets | 84.0478% | 4,458 |
| Equity capital to assets | 15.7633% | 595 |
| Core capital (leverage) ratio | 12.1963% | 1,466 |
| Tier 1 risk-based capital ratio | 15.3630% | 3,615 |
| Total risk-based capital ratio | 16.6197% | 3,564 |
| Memoranda: | ||
| Average total assets | $62,640,500 | 5,846 |
| Average earning assets | $55,657,000 | 5,856 |
| Average equity | $9,711,000 | 5,063 |
| Average total loans | $46,389,500 | 5,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3948% | 769 |
| Cost of funding earning assets | 0.8131% | 2,557 |
| Net interest margin | 4.5817% | 810 |
| Noninterest income to average assets | 0.2893% | 5,399 |
| Noninterest expense to average assets | 3.5581% | 1,704 |
| Loan and lease loss provision to assets | 0.2227% | 2,901 |
| Net operating income to assets | 0.5401% | 4,517 |
| Return on assets (ROA) | 0.5401% | 4,776 |
| Pretax return on assets | 0.5401% | 5,164 |
| Return on Equity (ROE) | 3.4178% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.4178% | 3,821 |
| Net charge-offs to loans | 0.4364% | 2,490 |
| Credit loss provision to net charge-offs | 66.4921% | 4,274 |
| Earnings coverage of net charge-offs (x) | 2.2775% | 4,279 |
| Efficiency ratio | 80.9659% | 2,010 |
| Assets per employee ($millions) | 4.2218% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 3,199 |
| Loan loss allowance to noncurrent loans | 75.3695% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0639% | 2,371 |
| Noncurrent loans to loans | 2.1566% | 2,518 |
| Net loans and leases to total assets | 73.1126% | 1,318 |
| Net loans and leases to deposits | 86.3500% | 1,473 |
| Net loans and leases to core deposits | 90.4527% | 1,787 |
| Total domestic deposits to total assets | 84.6700% | 4,004 |
| Equity capital to assets | 15.2478% | 690 |
| Core capital (leverage) ratio | 12.2530% | 1,428 |
| Tier 1 risk-based capital ratio | 14.6160% | 3,952 |
| Total risk-based capital ratio | 15.8547% | 3,917 |
| Memoranda: | ||
| Average total assets | $57,024,600 | 5,996 |
| Average earning assets | $50,178,400 | 6,043 |
| Average equity | $9,011,600 | 5,224 |
| Average total loans | $43,769,400 | 5,342 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 746 |
| Cost of funding earning assets | 0.8692% | 2,393 |
| Net interest margin | 4.5900% | 839 |
| Noninterest income to average assets | 0.2789% | 5,544 |
| Noninterest expense to average assets | 3.5996% | 1,559 |
| Loan and lease loss provision to assets | 0.2693% | 2,418 |
| Net operating income to assets | 0.4352% | 5,099 |
| Return on assets (ROA) | 0.4352% | 5,333 |
| Pretax return on assets | 0.4352% | 5,635 |
| Return on Equity (ROE) | 2.7267% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.7267% | 4,913 |
| Net charge-offs to loans | 0.6396% | 1,723 |
| Credit loss provision to net charge-offs | 54.3689% | 4,293 |
| Earnings coverage of net charge-offs (x) | 1.4223% | 4,576 |
| Efficiency ratio | 82.1788% | 1,787 |
| Assets per employee ($millions) | 3.9941% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,498 |
| Loan loss allowance to noncurrent loans | 54.2836% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,190 |
| Noncurrent loans to loans | 2.9572% | 1,893 |
| Net loans and leases to total assets | 80.5694% | 464 |
| Net loans and leases to deposits | 97.2080% | 586 |
| Net loans and leases to core deposits | 100.3095% | 1,102 |
| Total domestic deposits to total assets | 82.8836% | 4,683 |
| Equity capital to assets | 16.6854% | 506 |
| Core capital (leverage) ratio | 11.5229% | 1,970 |
| Tier 1 risk-based capital ratio | 14.4180% | 4,246 |
| Total risk-based capital ratio | 15.6723% | 4,207 |
| Memoranda: | ||
| Average total assets | $55,449,000 | 6,112 |
| Average earning assets | $48,626,000 | 6,175 |
| Average equity | $8,850,500 | 5,308 |
| Average total loans | $42,945,500 | 5,447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 1,208 |
| Cost of funding earning assets | 0.8689% | 2,667 |
| Net interest margin | 4.3447% | 1,354 |
| Noninterest income to average assets | 0.2640% | 5,692 |
| Noninterest expense to average assets | 3.4145% | 1,996 |
| Loan and lease loss provision to assets | 0.3147% | 2,095 |
| Net operating income to assets | 0.3328% | 5,489 |
| Return on assets (ROA) | 0.3328% | 5,711 |
| Pretax return on assets | 0.3328% | 5,886 |
| Return on Equity (ROE) | 2.1172% | 6,007 |
| Retained earnings to average equity (ytd only) | 2.1172% | 5,138 |
| Net charge-offs to loans | 1.0619% | 1,035 |
| Credit loss provision to net charge-offs | 39.0135% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.8027% | 4,654 |
| Efficiency ratio | 82.5467% | 1,811 |
| Assets per employee ($millions) | 4.2330% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 3,684 |
| Loan loss allowance to noncurrent loans | 34.5120% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3883% | 1,582 |
| Noncurrent loans to loans | 4.5691% | 1,148 |
| Net loans and leases to total assets | 72.9877% | 1,393 |
| Net loans and leases to deposits | 86.4492% | 1,539 |
| Net loans and leases to core deposits | 88.4449% | 2,157 |
| Total domestic deposits to total assets | 84.4285% | 4,124 |
| Equity capital to assets | 15.2543% | 725 |
| Core capital (leverage) ratio | 11.5264% | 1,887 |
| Tier 1 risk-based capital ratio | 14.1370% | 4,350 |
| Total risk-based capital ratio | 15.3902% | 4,316 |
| Memoranda: | ||
| Average total assets | $55,293,000 | 6,155 |
| Average earning assets | $48,334,330 | 6,225 |
| Average equity | $8,690,670 | 5,361 |
| Average total loans | $41,998,330 | 5,515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 2,514 |
| Cost of funding earning assets | 0.8826% | 2,816 |
| Net interest margin | 3.9503% | 2,719 |
| Noninterest income to average assets | 0.2551% | 5,817 |
| Noninterest expense to average assets | 3.3391% | 2,173 |
| Loan and lease loss provision to assets | 0.1126% | 3,949 |
| Net operating income to assets | 0.2626% | 5,773 |
| Return on assets (ROA) | 0.2626% | 5,937 |
| Pretax return on assets | 0.2626% | 6,053 |
| Return on Equity (ROE) | 1.6440% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.6440% | 5,414 |
| Net charge-offs to loans | -0.1365% | 6,893 |
| Credit loss provision to net charge-offs | -107.1429% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2828% | 1,253 |
| Assets per employee ($millions) | 3.8681% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,282 |
| Loan loss allowance to noncurrent loans | 28.9474% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 5.4733% | 900 |
| Noncurrent loans to loans | 6.9977% | 639 |
| Net loans and leases to total assets | 76.6315% | 735 |
| Net loans and leases to deposits | 91.6032% | 831 |
| Net loans and leases to core deposits | 93.3044% | 1,520 |
| Total domestic deposits to total assets | 83.6559% | 4,654 |
| Equity capital to assets | 16.2186% | 540 |
| Core capital (leverage) ratio | 11.4176% | 1,949 |
| Tier 1 risk-based capital ratio | 14.0278% | 4,456 |
| Total risk-based capital ratio | 15.2870% | 4,413 |
| Memoranda: | ||
| Average total assets | $53,308,500 | 6,254 |
| Average earning assets | $46,680,500 | 6,309 |
| Average equity | $8,516,000 | 5,424 |
| Average total loans | $41,024,000 | 5,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 2,116 |
| Cost of funding earning assets | 1.1665% | 2,240 |
| Net interest margin | 4.0209% | 2,784 |
| Noninterest income to average assets | 0.2903% | 5,460 |
| Noninterest expense to average assets | 3.9354% | 1,136 |
| Loan and lease loss provision to assets | 1.9413% | 318 |
| Net operating income to assets | -2.2146% | 7,063 |
| Return on assets (ROA) | -2.2146% | 7,080 |
| Pretax return on assets | -2.2146% | 7,066 |
| Return on Equity (ROE) | -13.9758% | 6,861 |
| Retained earnings to average equity (ytd only) | -13.9758% | 6,838 |
| Net charge-offs to loans | 2.2346% | 567 |
| Credit loss provision to net charge-offs | 122.0379% | 2,595 |
| Earnings coverage of net charge-offs (x) | -0.1718% | 5,936 |
| Efficiency ratio | 105.7128% | 523 |
| Assets per employee ($millions) | 4.0356% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 2,042 |
| Loan loss allowance to noncurrent loans | 28.5665% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 5.5315% | 923 |
| Noncurrent loans to loans | 7.3115% | 594 |
| Net loans and leases to total assets | 74.0751% | 1,261 |
| Net loans and leases to deposits | 87.9689% | 1,381 |
| Net loans and leases to core deposits | 90.1148% | 2,116 |
| Total domestic deposits to total assets | 84.2060% | 4,234 |
| Equity capital to assets | 15.7235% | 628 |
| Core capital (leverage) ratio | 10.2808% | 2,991 |
| Tier 1 risk-based capital ratio | 13.3099% | 4,826 |
| Total risk-based capital ratio | 14.5698% | 4,804 |
| Memoranda: | ||
| Average total assets | $53,056,800 | 6,260 |
| Average earning assets | $44,492,000 | 6,376 |
| Average equity | $8,407,400 | 5,436 |
| Average total loans | $37,769,800 | 5,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 1,994 |
| Cost of funding earning assets | 1.2274% | 2,143 |
| Net interest margin | 4.0322% | 2,767 |
| Noninterest income to average assets | 0.5914% | 3,224 |
| Noninterest expense to average assets | 3.9368% | 1,092 |
| Loan and lease loss provision to assets | 2.5435% | 174 |
| Net operating income to assets | -2.5385% | 7,213 |
| Return on assets (ROA) | -2.5385% | 7,222 |
| Pretax return on assets | -2.5385% | 7,211 |
| Return on Equity (ROE) | -15.9895% | 7,036 |
| Retained earnings to average equity (ytd only) | -15.9895% | 7,011 |
| Net charge-offs to loans | 1.7878% | 751 |
| Credit loss provision to net charge-offs | 203.0000% | 1,444 |
| Earnings coverage of net charge-offs (x) | 0.0040% | 5,599 |
| Efficiency ratio | 98.2835% | 724 |
| Assets per employee ($millions) | 4.5742% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0408% | 836 |
| Loan loss allowance to noncurrent loans | 50.9459% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 5.7807% | 945 |
| Noncurrent loans to loans | 5.9687% | 936 |
| Net loans and leases to total assets | 67.2691% | 2,619 |
| Net loans and leases to deposits | 79.7081% | 2,689 |
| Net loans and leases to core deposits | 82.5210% | 3,250 |
| Total domestic deposits to total assets | 84.3942% | 4,058 |
| Equity capital to assets | 15.3216% | 766 |
| Core capital (leverage) ratio | 10.5915% | 2,769 |
| Tier 1 risk-based capital ratio | 13.3365% | 4,850 |
| Total risk-based capital ratio | 14.6053% | 4,804 |
| Memoranda: | ||
| Average total assets | $53,205,250 | 6,304 |
| Average earning assets | $44,209,750 | 6,445 |
| Average equity | $8,447,000 | 5,453 |
| Average total loans | $37,289,500 | 5,869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 2,247 |
| Cost of funding earning assets | 1.2938% | 1,980 |
| Net interest margin | 3.9090% | 3,267 |
| Noninterest income to average assets | 0.3229% | 5,312 |
| Noninterest expense to average assets | 3.1457% | 3,096 |
| Loan and lease loss provision to assets | 3.7991% | 87 |
| Net operating income to assets | -3.4078% | 7,355 |
| Return on assets (ROA) | -3.4078% | 7,361 |
| Pretax return on assets | -3.4078% | 7,353 |
| Return on Equity (ROE) | -21.2074% | 7,163 |
| Retained earnings to average equity (ytd only) | -21.2074% | 7,149 |
| Net charge-offs to loans | 2.9169% | 360 |
| Credit loss provision to net charge-offs | 185.1852% | 1,630 |
| Earnings coverage of net charge-offs (x) | 0.1907% | 5,166 |
| Efficiency ratio | 87.1106% | 1,502 |
| Assets per employee ($millions) | 4.8580% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8681% | 1,019 |
| Loan loss allowance to noncurrent loans | 42.7188% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 6.8378% | 765 |
| Noncurrent loans to loans | 6.7138% | 801 |
| Net loans and leases to total assets | 69.9034% | 2,239 |
| Net loans and leases to deposits | 83.3575% | 2,208 |
| Net loans and leases to core deposits | 85.7572% | 2,940 |
| Total domestic deposits to total assets | 83.8598% | 4,408 |
| Equity capital to assets | 15.9549% | 612 |
| Core capital (leverage) ratio | 10.6519% | 2,567 |
| Tier 1 risk-based capital ratio | 13.0025% | 4,910 |
| Total risk-based capital ratio | 14.2696% | 4,883 |
| Memoranda: | ||
| Average total assets | $52,643,670 | 6,384 |
| Average earning assets | $43,285,000 | 6,533 |
| Average equity | $8,459,330 | 5,469 |
| Average total loans | $37,025,330 | 5,934 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 3,534 |
| Cost of funding earning assets | 1.3482% | 1,895 |
| Net interest margin | 3.5639% | 4,751 |
| Noninterest income to average assets | 0.2680% | 5,753 |
| Noninterest expense to average assets | 3.1619% | 3,020 |
| Loan and lease loss provision to assets | 7.6177% | 29 |
| Net operating income to assets | -7.6177% | 7,533 |
| Return on assets (ROA) | -7.6177% | 7,533 |
| Pretax return on assets | -7.6177% | 7,530 |
| Return on Equity (ROE) | -47.2347% | 7,404 |
| Retained earnings to average equity (ytd only) | -47.2347% | 7,391 |
| Net charge-offs to loans | 3.3821% | 299 |
| Credit loss provision to net charge-offs | 324.1042% | 1,010 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,575 |
| Efficiency ratio | 97.8208% | 841 |
| Assets per employee ($millions) | 5.0044% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5766% | 570 |
| Loan loss allowance to noncurrent loans | 33.8763% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 7.1374% | 738 |
| Noncurrent loans to loans | 10.5579% | 360 |
| Net loans and leases to total assets | 65.1849% | 3,205 |
| Net loans and leases to deposits | 77.1014% | 3,233 |
| Net loans and leases to core deposits | 79.9728% | 3,764 |
| Total domestic deposits to total assets | 84.5444% | 4,250 |
| Equity capital to assets | 15.3121% | 700 |
| Core capital (leverage) ratio | 10.8805% | 2,282 |
| Tier 1 risk-based capital ratio | 15.0903% | 3,382 |
| Total risk-based capital ratio | 16.3694% | 3,322 |
| Memoranda: | ||
| Average total assets | $52,246,500 | 6,447 |
| Average earning assets | $42,426,000 | 6,607 |
| Average equity | $8,426,000 | 5,480 |
| Average total loans | $36,309,000 | 6,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 1,458 |
| Cost of funding earning assets | 1.8882% | 882 |
| Net interest margin | 3.8441% | 3,760 |
| Noninterest income to average assets | 0.3651% | 5,189 |
| Noninterest expense to average assets | 3.3722% | 2,521 |
| Loan and lease loss provision to assets | 0.1230% | 5,931 |
| Net operating income to assets | -0.1492% | 6,048 |
| Return on assets (ROA) | -0.1492% | 6,107 |
| Pretax return on assets | -0.1492% | 6,047 |
| Return on Equity (ROE) | -0.8709% | 6,055 |
| Retained earnings to average equity (ytd only) | -0.8709% | 5,783 |
| Net charge-offs to loans | 0.3043% | 4,495 |
| Credit loss provision to net charge-offs | 53.9823% | 6,198 |
| Earnings coverage of net charge-offs (x) | -0.1150% | 6,235 |
| Efficiency ratio | 98.7342% | 837 |
| Assets per employee ($millions) | 5.4939% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,812 |
| Loan loss allowance to noncurrent loans | 24.3284% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 5.3453% | 1,159 |
| Noncurrent loans to loans | 7.4653% | 725 |
| Net loans and leases to total assets | 70.3024% | 2,467 |
| Net loans and leases to deposits | 84.9010% | 2,298 |
| Net loans and leases to core deposits | 89.0714% | 2,882 |
| Total domestic deposits to total assets | 82.8051% | 4,877 |
| Equity capital to assets | 17.0351% | 452 |
| Core capital (leverage) ratio | 11.2203% | 1,998 |
| Tier 1 risk-based capital ratio | 15.3329% | 3,081 |
| Total risk-based capital ratio | 16.5905% | 3,038 |
| Memoranda: | ||
| Average total assets | $49,581,400 | 6,553 |
| Average earning assets | $38,448,400 | 6,779 |
| Average equity | $8,497,000 | 5,546 |
| Average total loans | $37,132,600 | 6,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7454% | 1,563 |
| Cost of funding earning assets | 1.9140% | 989 |
| Net interest margin | 3.8314% | 3,834 |
| Noninterest income to average assets | 0.4085% | 4,892 |
| Noninterest expense to average assets | 3.2892% | 2,607 |
| Loan and lease loss provision to assets | 0.1397% | 5,634 |
| Net operating income to assets | -0.0242% | 6,047 |
| Return on assets (ROA) | -0.0242% | 6,170 |
| Pretax return on assets | -0.0242% | 6,126 |
| Return on Equity (ROE) | -0.1409% | 6,152 |
| Retained earnings to average equity (ytd only) | -0.1409% | 5,817 |
| Net charge-offs to loans | 0.4259% | 3,588 |
| Credit loss provision to net charge-offs | 43.3333% | 5,974 |
| Earnings coverage of net charge-offs (x) | 0.3583% | 5,670 |
| Efficiency ratio | 94.6330% | 967 |
| Assets per employee ($millions) | 5.7036% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 2,789 |
| Loan loss allowance to noncurrent loans | 43.4211% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 2,581 |
| Noncurrent loans to loans | 4.1488% | 1,774 |
| Net loans and leases to total assets | 66.5822% | 3,548 |
| Net loans and leases to deposits | 79.9803% | 3,454 |
| Net loans and leases to core deposits | 83.2331% | 4,061 |
| Total domestic deposits to total assets | 83.2483% | 4,483 |
| Equity capital to assets | 16.5355% | 582 |
| Core capital (leverage) ratio | 11.5404% | 1,917 |
| Tier 1 risk-based capital ratio | 15.6842% | 2,909 |
| Total risk-based capital ratio | 16.9402% | 2,869 |
| Memoranda: | ||
| Average total assets | $49,615,500 | 6,636 |
| Average earning assets | $38,801,250 | 6,840 |
| Average equity | $8,515,500 | 5,620 |
| Average total loans | $37,564,750 | 6,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6945% | 1,789 |
| Cost of funding earning assets | 1.8695% | 1,342 |
| Net interest margin | 3.8249% | 3,787 |
| Noninterest income to average assets | 0.3996% | 4,919 |
| Noninterest expense to average assets | 3.0789% | 3,398 |
| Loan and lease loss provision to assets | 0.1957% | 4,918 |
| Net operating income to assets | 0.2121% | 5,520 |
| Return on assets (ROA) | 0.2121% | 5,652 |
| Pretax return on assets | 0.2121% | 5,746 |
| Return on Equity (ROE) | 1.2200% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.2200% | 5,261 |
| Net charge-offs to loans | -0.0312% | 7,358 |
| Credit loss provision to net charge-offs | -800.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3158% | 1,673 |
| Assets per employee ($millions) | 6.0889% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 1,971 |
| Loan loss allowance to noncurrent loans | 46.6667% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 4.0853% | 1,671 |
| Noncurrent loans to loans | 4.4860% | 1,620 |
| Net loans and leases to total assets | 71.9119% | 2,427 |
| Net loans and leases to deposits | 87.5003% | 2,260 |
| Net loans and leases to core deposits | 90.7064% | 3,163 |
| Total domestic deposits to total assets | 82.1847% | 4,915 |
| Equity capital to assets | 17.5546% | 469 |
| Core capital (leverage) ratio | 12.3339% | 1,482 |
| Tier 1 risk-based capital ratio | 15.5412% | 2,870 |
| Total risk-based capital ratio | 16.8015% | 2,838 |
| Memoranda: | ||
| Average total assets | $49,043,330 | 6,694 |
| Average earning assets | $39,582,330 | 6,863 |
| Average equity | $8,524,670 | 5,625 |
| Average total loans | $38,484,670 | 6,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 1,902 |
| Cost of funding earning assets | 1.9052% | 1,424 |
| Net interest margin | 3.7608% | 3,958 |
| Noninterest income to average assets | 0.3170% | 5,610 |
| Noninterest expense to average assets | 3.0888% | 3,314 |
| Loan and lease loss provision to assets | 0.0813% | 5,826 |
| Net operating income to assets | 0.2276% | 5,585 |
| Return on assets (ROA) | 0.2276% | 5,707 |
| Pretax return on assets | 0.2276% | 5,804 |
| Return on Equity (ROE) | 1.3159% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.3159% | 5,284 |
| Net charge-offs to loans | -0.1104% | 7,538 |
| Credit loss provision to net charge-offs | -90.9091% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7560% | 1,523 |
| Assets per employee ($millions) | 5.4300% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,676 |
| Loan loss allowance to noncurrent loans | 28.1225% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 5.9975% | 1,004 |
| Noncurrent loans to loans | 6.4654% | 965 |
| Net loans and leases to total assets | 79.1140% | 964 |
| Net loans and leases to deposits | 96.0166% | 1,103 |
| Net loans and leases to core deposits | 99.5033% | 2,183 |
| Total domestic deposits to total assets | 82.3962% | 4,890 |
| Equity capital to assets | 17.4442% | 478 |
| Core capital (leverage) ratio | 11.8337% | 1,731 |
| Tier 1 risk-based capital ratio | 14.4439% | 3,416 |
| Total risk-based capital ratio | 15.6993% | 3,377 |
| Memoranda: | ||
| Average total assets | $49,209,500 | 6,756 |
| Average earning assets | $40,310,500 | 6,917 |
| Average equity | $8,511,500 | 5,685 |
| Average total loans | $39,838,000 | 6,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 1,663 |
| Cost of funding earning assets | 2.2287% | 1,906 |
| Net interest margin | 3.8249% | 3,601 |
| Noninterest income to average assets | 0.3733% | 5,422 |
| Noninterest expense to average assets | 3.3842% | 2,730 |
| Loan and lease loss provision to assets | 1.3044% | 1,766 |
| Net operating income to assets | -1.1404% | 6,676 |
| Return on assets (ROA) | -1.1404% | 6,679 |
| Pretax return on assets | -1.1404% | 6,503 |
| Return on Equity (ROE) | -7.0419% | 6,386 |
| Retained earnings to average equity (ytd only) | -7.0419% | 6,242 |
| Net charge-offs to loans | 1.0105% | 2,393 |
| Credit loss provision to net charge-offs | 163.0769% | 2,694 |
| Earnings coverage of net charge-offs (x) | 0.2051% | 5,934 |
| Efficiency ratio | 93.4104% | 1,450 |
| Assets per employee ($millions) | 5.5054% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 2,812 |
| Loan loss allowance to noncurrent loans | 25.4859% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 6.2807% | 880 |
| Noncurrent loans to loans | 6.7673% | 863 |
| Net loans and leases to total assets | 79.9249% | 1,006 |
| Net loans and leases to deposits | 96.6586% | 1,248 |
| Net loans and leases to core deposits | 136.2814% | 943 |
| Total domestic deposits to total assets | 82.6878% | 4,662 |
| Equity capital to assets | 17.1507% | 535 |
| Core capital (leverage) ratio | 11.3095% | 2,032 |
| Tier 1 risk-based capital ratio | 13.9571% | 3,526 |
| Total risk-based capital ratio | 15.2138% | 3,478 |
| Memoranda: | ||
| Average total assets | $48,756,200 | 6,757 |
| Average earning assets | $40,471,200 | 6,928 |
| Average equity | $7,895,600 | 5,960 |
| Average total loans | $38,596,400 | 6,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1062% | 1,629 |
| Cost of funding earning assets | 2.2225% | 2,301 |
| Net interest margin | 3.8836% | 3,290 |
| Noninterest income to average assets | 0.3625% | 5,601 |
| Noninterest expense to average assets | 3.4212% | 2,507 |
| Loan and lease loss provision to assets | 1.1834% | 1,641 |
| Net operating income to assets | -1.0132% | 6,845 |
| Return on assets (ROA) | -1.0132% | 6,854 |
| Pretax return on assets | -1.0132% | 6,698 |
| Return on Equity (ROE) | -6.3524% | 6,590 |
| Retained earnings to average equity (ytd only) | -6.3524% | 6,427 |
| Net charge-offs to loans | 0.3179% | 4,052 |
| Credit loss provision to net charge-offs | 473.6264% | 828 |
| Earnings coverage of net charge-offs (x) | 0.6813% | 5,350 |
| Efficiency ratio | 93.2722% | 1,450 |
| Assets per employee ($millions) | 5.5481% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 1,892 |
| Loan loss allowance to noncurrent loans | 30.2647% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 5.9920% | 899 |
| Noncurrent loans to loans | 6.4743% | 892 |
| Net loans and leases to total assets | 79.0619% | 1,379 |
| Net loans and leases to deposits | 93.7408% | 1,926 |
| Net loans and leases to core deposits | 160.0243% | 381 |
| Total domestic deposits to total assets | 84.3410% | 3,555 |
| Equity capital to assets | 15.2404% | 941 |
| Core capital (leverage) ratio | 9.8746% | 3,429 |
| Tier 1 risk-based capital ratio | 11.7215% | 5,223 |
| Total risk-based capital ratio | 12.8124% | 5,315 |
| Memoranda: | ||
| Average total assets | $48,558,000 | 6,822 |
| Average earning assets | $40,373,500 | 6,986 |
| Average equity | $7,745,000 | 6,064 |
| Average total loans | $38,171,250 | 6,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2455% | 1,343 |
| Cost of funding earning assets | 2.2524% | 2,565 |
| Net interest margin | 3.9931% | 2,724 |
| Noninterest income to average assets | 0.3701% | 5,550 |
| Noninterest expense to average assets | 3.6258% | 2,011 |
| Loan and lease loss provision to assets | 0.1663% | 5,400 |
| Net operating income to assets | -0.1123% | 6,034 |
| Return on assets (ROA) | -0.1123% | 6,069 |
| Pretax return on assets | -0.1123% | 6,004 |
| Return on Equity (ROE) | -0.6932% | 6,028 |
| Retained earnings to average equity (ytd only) | -0.6932% | 5,399 |
| Net charge-offs to loans | -0.0961% | 7,946 |
| Credit loss provision to net charge-offs | -222.2222% | 6,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6102% | 1,340 |
| Assets per employee ($millions) | 4.5338% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,331 |
| Loan loss allowance to noncurrent loans | 26.7829% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 4.5717% | 1,214 |
| Noncurrent loans to loans | 4.8118% | 1,294 |
| Net loans and leases to total assets | 77.8673% | 1,777 |
| Net loans and leases to deposits | 93.0267% | 2,267 |
| Net loans and leases to core deposits | 175.1567% | 268 |
| Total domestic deposits to total assets | 83.7043% | 3,918 |
| Equity capital to assets | 15.9448% | 839 |
| Core capital (leverage) ratio | 10.1981% | 3,096 |
| Tier 1 risk-based capital ratio | 11.8490% | 5,048 |
| Total risk-based capital ratio | 12.9673% | 5,109 |
| Memoranda: | ||
| Average total assets | $48,099,670 | 6,900 |
| Average earning assets | $39,868,670 | 7,058 |
| Average equity | $7,790,000 | 6,094 |
| Average total loans | $37,472,670 | 6,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 2,586 |
| Cost of funding earning assets | 2.2754% | 2,814 |
| Net interest margin | 3.6693% | 4,020 |
| Noninterest income to average assets | 0.2965% | 6,065 |
| Noninterest expense to average assets | 3.6684% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3389% | 6,728 |
| Return on assets (ROA) | -0.3389% | 6,802 |
| Pretax return on assets | -0.3389% | 6,703 |
| Return on Equity (ROE) | -2.0755% | 6,669 |
| Retained earnings to average equity (ytd only) | -2.0755% | 6,118 |
| Net charge-offs to loans | -0.3175% | 8,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8880% | 864 |
| Assets per employee ($millions) | 4.6269% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 4,389 |
| Loan loss allowance to noncurrent loans | 25.8518% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 4.4483% | 1,087 |
| Noncurrent loans to loans | 4.8510% | 1,133 |
| Net loans and leases to total assets | 73.9508% | 2,774 |
| Net loans and leases to deposits | 102.8810% | 1,104 |
| Net loans and leases to core deposits | 201.3266% | 137 |
| Total domestic deposits to total assets | 71.8799% | 7,224 |
| Equity capital to assets | 15.1073% | 1,073 |
| Core capital (leverage) ratio | 10.1990% | 3,198 |
| Tier 1 risk-based capital ratio | 11.0838% | 5,827 |
| Total risk-based capital ratio | 12.2115% | 5,847 |
| Memoranda: | ||
| Average total assets | $47,213,500 | 6,975 |
| Average earning assets | $39,026,500 | 7,127 |
| Average equity | $7,709,000 | 6,155 |
| Average total loans | $36,538,500 | 6,411 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 8,016 |
| Cost of funding earning assets | 1.7214% | 7,214 |
| Net interest margin | 2.8450% | 7,262 |
| Noninterest income to average assets | 1.0038% | 1,563 |
| Noninterest expense to average assets | 3.2768% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0744% | 6,169 |
| Return on assets (ROA) | 0.0744% | 6,019 |
| Pretax return on assets | 0.0744% | 6,003 |
| Return on Equity (ROE) | 0.4534% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.4534% | 4,974 |
| Net charge-offs to loans | -0.0461% | 8,018 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0799% | 1,148 |
| Assets per employee ($millions) | 3.9574% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,898 |
| Loan loss allowance to noncurrent loans | 25.5695% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 5.5730% | 572 |
| Noncurrent loans to loans | 5.0227% | 876 |
| Net loans and leases to total assets | 79.2814% | 1,819 |
| Net loans and leases to deposits | 105.6544% | 1,156 |
| Net loans and leases to core deposits | 190.2746% | 217 |
| Total domestic deposits to total assets | 75.0385% | 6,447 |
| Equity capital to assets | 17.7552% | 682 |
| Core capital (leverage) ratio | 10.5693% | 2,924 |
| Tier 1 risk-based capital ratio | 12.1356% | 4,716 |
| Total risk-based capital ratio | 13.3589% | 4,618 |
| Memoranda: | ||
| Average total assets | $40,344,800 | 7,199 |
| Average earning assets | $33,286,200 | 7,364 |
| Average equity | $6,616,200 | 6,599 |
| Average total loans | $30,383,600 | 6,685 |