Home > WPS Community Bank, FSB > Performance and Condition Ratios
WPS Community Bank, FSB, 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 | 4.5274% | 1,389 |
| Cost of funding earning assets | 0.4786% | 2,464 |
| Net interest margin | 4.0488% | 1,414 |
| Noninterest income to average assets | 0.2938% | 4,822 |
| Noninterest expense to average assets | 6.4182% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.3196% | 6,342 |
| Return on assets (ROA) | -1.3223% | 6,344 |
| Pretax return on assets | -2.1870% | 6,368 |
| Return on Equity (ROE) | -13.1565% | 6,337 |
| Retained earnings to average equity (ytd only) | -13.1565% | 6,201 |
| 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 | 151.5362% | 48 |
| Assets per employee ($millions) | 6.2930% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 96.9479% | 2 |
| Net loans and leases to deposits | 122.6762% | 67 |
| Net loans and leases to core deposits | 135.5261% | 189 |
| Total domestic deposits to total assets | 79.0275% | 5,259 |
| Equity capital to assets | 10.2103% | 3,874 |
| Core capital (leverage) ratio | 9.8344% | 3,844 |
| Tier 1 risk-based capital ratio | 11.8305% | 5,348 |
| Total risk-based capital ratio | 13.0845% | 5,241 |
| Memoranda: | ||
| Average total assets | $95,291,000 | 4,682 |
| Average earning assets | $92,768,500 | 4,578 |
| Average equity | $9,577,000 | 4,868 |
| Average total loans | $93,894,000 | 3,564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 1,912 |
| Cost of funding earning assets | 0.5244% | 2,444 |
| Net interest margin | 3.9657% | 1,994 |
| Noninterest income to average assets | 0.3950% | 4,223 |
| Noninterest expense to average assets | 3.0829% | 2,583 |
| Loan and lease loss provision to assets | 0.1432% | 1,855 |
| Net operating income to assets | 0.6384% | 4,197 |
| Return on assets (ROA) | 0.7099% | 3,954 |
| Pretax return on assets | 1.1438% | 2,906 |
| Return on Equity (ROE) | 7.3687% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,244 |
| Net charge-offs to loans | 0.0145% | 4,592 |
| Credit loss provision to net charge-offs | 1,046.1538% | 262 |
| Earnings coverage of net charge-offs (x) | 85.8462% | 592 |
| Efficiency ratio | 72.3967% | 3,137 |
| Assets per employee ($millions) | 5.6581% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 3,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 97.3520% | 2 |
| Net loans and leases to deposits | 116.5068% | 131 |
| Net loans and leases to core deposits | 135.5785% | 197 |
| Total domestic deposits to total assets | 83.5591% | 3,899 |
| Equity capital to assets | 9.8932% | 4,240 |
| Core capital (leverage) ratio | 9.8932% | 3,719 |
| Tier 1 risk-based capital ratio | 11.9612% | 5,387 |
| Total risk-based capital ratio | 13.2157% | 5,286 |
| Memoranda: | ||
| Average total assets | $94,944,400 | 4,727 |
| Average earning assets | $92,492,600 | 4,596 |
| Average equity | $9,146,800 | 4,940 |
| Average total loans | $89,521,800 | 3,642 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 2,142 |
| Cost of funding earning assets | 0.5224% | 2,547 |
| Net interest margin | 3.9025% | 2,232 |
| Noninterest income to average assets | 0.3184% | 4,887 |
| Noninterest expense to average assets | 3.0714% | 2,558 |
| Loan and lease loss provision to assets | 0.1916% | 1,259 |
| Net operating income to assets | 0.5368% | 4,726 |
| Return on assets (ROA) | 0.5368% | 4,798 |
| Pretax return on assets | 0.8552% | 4,160 |
| Return on Equity (ROE) | 5.6104% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.6104% | 2,662 |
| Net charge-offs to loans | 0.0197% | 4,137 |
| Credit loss provision to net charge-offs | 1,046.1538% | 314 |
| Earnings coverage of net charge-offs (x) | 57.1633% | 896 |
| Efficiency ratio | 74.5809% | 2,722 |
| Assets per employee ($millions) | 5.1906% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 3,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 95.0832% | 3 |
| Net loans and leases to deposits | 112.7759% | 169 |
| Net loans and leases to core deposits | 122.8540% | 333 |
| Total domestic deposits to total assets | 84.3117% | 3,638 |
| Equity capital to assets | 9.4179% | 4,897 |
| Core capital (leverage) ratio | 9.3520% | 4,565 |
| Tier 1 risk-based capital ratio | 11.6013% | 5,740 |
| Total risk-based capital ratio | 12.8566% | 5,651 |
| Memoranda: | ||
| Average total assets | $94,633,750 | 4,778 |
| Average earning assets | $92,143,250 | 4,642 |
| Average equity | $9,054,500 | 4,995 |
| Average total loans | $88,163,000 | 3,700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 2,298 |
| Cost of funding earning assets | 0.5122% | 2,703 |
| Net interest margin | 3.8569% | 2,350 |
| Noninterest income to average assets | 0.3408% | 4,697 |
| Noninterest expense to average assets | 3.0824% | 2,561 |
| Loan and lease loss provision to assets | 0.2486% | 885 |
| Net operating income to assets | 0.4737% | 4,919 |
| Return on assets (ROA) | 0.4737% | 4,989 |
| Pretax return on assets | 0.7545% | 4,439 |
| Return on Equity (ROE) | 4.9239% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.9239% | 3,007 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4460% | 2,735 |
| Assets per employee ($millions) | 4.9023% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 93.1032% | 13 |
| Net loans and leases to deposits | 111.5260% | 174 |
| Net loans and leases to core deposits | 124.3770% | 296 |
| Total domestic deposits to total assets | 83.4812% | 4,120 |
| Equity capital to assets | 9.3018% | 4,981 |
| Core capital (leverage) ratio | 9.2213% | 4,705 |
| Tier 1 risk-based capital ratio | 11.5916% | 5,750 |
| Total risk-based capital ratio | 12.8470% | 5,701 |
| Memoranda: | ||
| Average total assets | $93,304,670 | 4,841 |
| Average earning assets | $90,591,330 | 4,714 |
| Average equity | $8,976,670 | 5,034 |
| Average total loans | $85,854,330 | 3,772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 2,548 |
| Cost of funding earning assets | 0.5033% | 2,875 |
| Net interest margin | 3.7905% | 2,510 |
| Noninterest income to average assets | 0.2551% | 5,318 |
| Noninterest expense to average assets | 3.1627% | 2,344 |
| Loan and lease loss provision to assets | 0.2463% | 879 |
| Net operating income to assets | 0.3123% | 5,447 |
| Return on assets (ROA) | 0.3123% | 5,497 |
| Pretax return on assets | 0.5235% | 5,100 |
| Return on Equity (ROE) | 3.1892% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.1892% | 4,211 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4251% | 2,145 |
| Assets per employee ($millions) | 4.5212% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 3,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 91.7919% | 20 |
| Net loans and leases to deposits | 111.5545% | 125 |
| Net loans and leases to core deposits | 115.5150% | 419 |
| Total domestic deposits to total assets | 82.2844% | 4,860 |
| Equity capital to assets | 9.9012% | 3,960 |
| Core capital (leverage) ratio | 9.8371% | 3,811 |
| Tier 1 risk-based capital ratio | 12.7007% | 5,185 |
| Total risk-based capital ratio | 13.9574% | 5,119 |
| Memoranda: | ||
| Average total assets | $90,934,000 | 4,942 |
| Average earning assets | $88,221,000 | 4,814 |
| Average equity | $8,905,000 | 5,075 |
| Average total loans | $82,484,500 | 3,874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 2,220 |
| Cost of funding earning assets | 0.5607% | 3,016 |
| Net interest margin | 3.9360% | 2,156 |
| Noninterest income to average assets | 0.8308% | 1,932 |
| Noninterest expense to average assets | 3.4739% | 1,717 |
| Loan and lease loss provision to assets | 0.6718% | 347 |
| Net operating income to assets | 0.3084% | 5,495 |
| Return on assets (ROA) | 0.3084% | 5,589 |
| Pretax return on assets | 0.5164% | 5,156 |
| Return on Equity (ROE) | 2.8785% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.8785% | 4,201 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5144% | 3,043 |
| Assets per employee ($millions) | 5.7153% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 86.9637% | 120 |
| Net loans and leases to deposits | 104.3362% | 313 |
| Net loans and leases to core deposits | 122.7639% | 291 |
| Total domestic deposits to total assets | 83.3496% | 4,414 |
| Equity capital to assets | 9.6856% | 4,178 |
| Core capital (leverage) ratio | 9.6692% | 4,027 |
| Tier 1 risk-based capital ratio | 13.0142% | 4,962 |
| Total risk-based capital ratio | 14.2712% | 4,908 |
| Memoranda: | ||
| Average total assets | $81,724,200 | 5,205 |
| Average earning assets | $79,548,600 | 5,048 |
| Average equity | $8,754,600 | 5,152 |
| Average total loans | $72,690,800 | 4,172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 2,244 |
| Cost of funding earning assets | 0.5642% | 3,128 |
| Net interest margin | 3.9323% | 2,165 |
| Noninterest income to average assets | 0.7314% | 2,454 |
| Noninterest expense to average assets | 3.6219% | 1,361 |
| Loan and lease loss provision to assets | 0.4321% | 671 |
| Net operating income to assets | 0.3094% | 5,586 |
| Return on assets (ROA) | 0.3094% | 5,700 |
| Pretax return on assets | 0.5095% | 5,329 |
| Return on Equity (ROE) | 2.8105% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.8105% | 4,636 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3662% | 2,212 |
| Assets per employee ($millions) | 4.9198% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 88.1668% | 82 |
| Net loans and leases to deposits | 106.1608% | 235 |
| Net loans and leases to core deposits | 126.8452% | 228 |
| Total domestic deposits to total assets | 83.0503% | 4,554 |
| Equity capital to assets | 9.9417% | 3,982 |
| Core capital (leverage) ratio | 9.9112% | 3,797 |
| Tier 1 risk-based capital ratio | 13.0014% | 5,124 |
| Total risk-based capital ratio | 14.2521% | 5,074 |
| Memoranda: | ||
| Average total assets | $79,294,000 | 5,308 |
| Average earning assets | $77,272,500 | 5,162 |
| Average equity | $8,729,000 | 5,209 |
| Average total loans | $70,684,000 | 4,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,957 |
| Cost of funding earning assets | 0.5755% | 3,163 |
| Net interest margin | 3.9935% | 1,883 |
| Noninterest income to average assets | 0.9159% | 1,758 |
| Noninterest expense to average assets | 3.9892% | 875 |
| Loan and lease loss provision to assets | 0.3622% | 914 |
| Net operating income to assets | 0.2756% | 5,690 |
| Return on assets (ROA) | 0.2756% | 5,826 |
| Pretax return on assets | 0.4619% | 5,489 |
| Return on Equity (ROE) | 2.4127% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.4127% | 4,764 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8790% | 1,774 |
| Assets per employee ($millions) | 4.4028% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 87.8789% | 91 |
| Net loans and leases to deposits | 108.1832% | 179 |
| Net loans and leases to core deposits | 124.8570% | 240 |
| Total domestic deposits to total assets | 81.2315% | 5,282 |
| Equity capital to assets | 11.0107% | 2,740 |
| Core capital (leverage) ratio | 10.9759% | 2,379 |
| Tier 1 risk-based capital ratio | 14.0848% | 4,364 |
| Total risk-based capital ratio | 15.3500% | 4,316 |
| Memoranda: | ||
| Average total assets | $76,206,670 | 5,410 |
| Average earning assets | $74,370,000 | 5,265 |
| Average equity | $8,704,000 | 5,244 |
| Average total loans | $67,919,000 | 4,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,463 |
| Cost of funding earning assets | 0.5757% | 3,327 |
| Net interest margin | 4.1503% | 1,327 |
| Noninterest income to average assets | 1.0551% | 1,335 |
| Noninterest expense to average assets | 4.0276% | 857 |
| Loan and lease loss provision to assets | 0.4499% | 631 |
| Net operating income to assets | 0.3803% | 5,210 |
| Return on assets (ROA) | 0.3803% | 5,352 |
| Pretax return on assets | 0.6320% | 4,830 |
| Return on Equity (ROE) | 3.2670% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.2670% | 4,291 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8260% | 2,485 |
| Assets per employee ($millions) | 4.2632% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 91.4227% | 22 |
| Net loans and leases to deposits | 119.8882% | 67 |
| Net loans and leases to core deposits | 137.3595% | 133 |
| Total domestic deposits to total assets | 76.2566% | 6,333 |
| Equity capital to assets | 11.3674% | 2,562 |
| Core capital (leverage) ratio | 11.2969% | 2,015 |
| Tier 1 risk-based capital ratio | 14.1856% | 4,374 |
| Total risk-based capital ratio | 15.3795% | 4,366 |
| Memoranda: | ||
| Average total assets | $74,685,000 | 5,496 |
| Average earning assets | $72,959,000 | 5,357 |
| Average equity | $8,693,000 | 5,305 |
| Average total loans | $66,665,000 | 4,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 3,445 |
| Cost of funding earning assets | 0.6841% | 3,621 |
| Net interest margin | 3.8049% | 3,202 |
| Noninterest income to average assets | 0.9481% | 1,711 |
| Noninterest expense to average assets | 4.1827% | 782 |
| Loan and lease loss provision to assets | 0.3981% | 1,633 |
| Net operating income to assets | 0.0459% | 6,092 |
| Return on assets (ROA) | 0.1247% | 6,102 |
| Pretax return on assets | 0.2079% | 5,979 |
| Return on Equity (ROE) | 0.9036% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.9036% | 5,420 |
| Net charge-offs to loans | 0.0038% | 5,928 |
| Credit loss provision to net charge-offs | 12,450.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 278 |
| Efficiency ratio | 89.6504% | 1,097 |
| Assets per employee ($millions) | 4.2725% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 5,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 85.0867% | 168 |
| Net loans and leases to deposits | 107.1075% | 202 |
| Net loans and leases to core deposits | 122.9137% | 251 |
| Total domestic deposits to total assets | 79.4405% | 5,795 |
| Equity capital to assets | 11.9271% | 2,090 |
| Core capital (leverage) ratio | 11.8397% | 1,643 |
| Tier 1 risk-based capital ratio | 15.1509% | 3,636 |
| Total risk-based capital ratio | 16.2884% | 3,649 |
| Memoranda: | ||
| Average total assets | $62,543,600 | 5,862 |
| Average earning assets | $61,105,800 | 5,700 |
| Average equity | $8,631,800 | 5,327 |
| Average total loans | $52,574,800 | 4,993 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 3,507 |
| Cost of funding earning assets | 0.7075% | 3,697 |
| Net interest margin | 3.8263% | 3,223 |
| Noninterest income to average assets | 1.0329% | 1,417 |
| Noninterest expense to average assets | 4.3472% | 631 |
| Loan and lease loss provision to assets | 0.4376% | 1,444 |
| Net operating income to assets | -0.0162% | 6,305 |
| Return on assets (ROA) | 0.0933% | 6,280 |
| Pretax return on assets | 0.1555% | 6,192 |
| Return on Equity (ROE) | 0.6494% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.6494% | 5,896 |
| Net charge-offs to loans | 0.0053% | 5,675 |
| Credit loss provision to net charge-offs | 9,850.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 94.8801% | 443 |
| Efficiency ratio | 91.1504% | 951 |
| Assets per employee ($millions) | 4.2401% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 89.9399% | 45 |
| Net loans and leases to deposits | 115.5472% | 99 |
| Net loans and leases to core deposits | 132.9665% | 167 |
| Total domestic deposits to total assets | 77.8382% | 6,109 |
| Equity capital to assets | 12.7369% | 1,749 |
| Core capital (leverage) ratio | 12.6262% | 1,350 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,815 |
| Total risk-based capital ratio | 16.0889% | 3,911 |
| Memoranda: | ||
| Average total assets | $60,021,250 | 5,989 |
| Average earning assets | $58,611,000 | 5,858 |
| Average equity | $8,624,000 | 5,372 |
| Average total loans | $50,107,000 | 5,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 3,392 |
| Cost of funding earning assets | 0.7376% | 3,703 |
| Net interest margin | 3.8557% | 3,111 |
| Noninterest income to average assets | 1.1008% | 1,181 |
| Noninterest expense to average assets | 4.7131% | 455 |
| Loan and lease loss provision to assets | 0.3658% | 1,799 |
| Net operating income to assets | -0.1368% | 6,470 |
| Return on assets (ROA) | 0.0348% | 6,418 |
| Pretax return on assets | 0.0592% | 6,375 |
| Return on Equity (ROE) | 0.2321% | 6,430 |
| Retained earnings to average equity (ytd only) | 0.2321% | 5,966 |
| Net charge-offs to loans | 0.0086% | 5,345 |
| Credit loss provision to net charge-offs | 5,250.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,296 |
| Efficiency ratio | 96.7811% | 674 |
| Assets per employee ($millions) | 3.4681% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 81.1948% | 388 |
| Net loans and leases to deposits | 95.6749% | 651 |
| Net loans and leases to core deposits | 111.0106% | 542 |
| Total domestic deposits to total assets | 84.8652% | 3,921 |
| Equity capital to assets | 14.5988% | 887 |
| Core capital (leverage) ratio | 14.4769% | 701 |
| Tier 1 risk-based capital ratio | 19.5684% | 1,827 |
| Total risk-based capital ratio | 20.7186% | 1,827 |
| Memoranda: | ||
| Average total assets | $57,414,330 | 6,094 |
| Average earning assets | $56,125,330 | 5,966 |
| Average equity | $8,618,330 | 5,378 |
| Average total loans | $46,272,670 | 5,334 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 3,019 |
| Cost of funding earning assets | 0.7523% | 3,844 |
| Net interest margin | 3.9570% | 2,682 |
| Noninterest income to average assets | 1.5465% | 606 |
| Noninterest expense to average assets | 4.9997% | 361 |
| Loan and lease loss provision to assets | 0.3743% | 1,687 |
| Net operating income to assets | 0.0212% | 6,379 |
| Return on assets (ROA) | 0.0212% | 6,490 |
| Pretax return on assets | 0.0353% | 6,474 |
| Return on Equity (ROE) | 0.1391% | 6,498 |
| Retained earnings to average equity (ytd only) | 0.1391% | 5,933 |
| Net charge-offs to loans | 0.0177% | 4,440 |
| Credit loss provision to net charge-offs | 2,650.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 947 |
| Efficiency ratio | 92.4282% | 918 |
| Assets per employee ($millions) | 3.5935% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 6,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 74.2315% | 1,026 |
| Net loans and leases to deposits | 86.8586% | 1,310 |
| Net loans and leases to core deposits | 98.0900% | 1,120 |
| Total domestic deposits to total assets | 85.4624% | 3,812 |
| Equity capital to assets | 14.1087% | 984 |
| Core capital (leverage) ratio | 13.9636% | 813 |
| Tier 1 risk-based capital ratio | 20.3893% | 1,620 |
| Total risk-based capital ratio | 21.4643% | 1,628 |
| Memoranda: | ||
| Average total assets | $56,643,000 | 6,162 |
| Average earning assets | $55,294,000 | 6,019 |
| Average equity | $8,624,000 | 5,393 |
| Average total loans | $45,223,500 | 5,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 3,208 |
| Cost of funding earning assets | 0.8452% | 4,504 |
| Net interest margin | 4.0847% | 2,503 |
| Noninterest income to average assets | 0.8687% | 1,777 |
| Noninterest expense to average assets | 5.4527% | 271 |
| Loan and lease loss provision to assets | 0.3415% | 2,964 |
| Net operating income to assets | -0.5798% | 6,541 |
| Return on assets (ROA) | -0.5226% | 6,547 |
| Pretax return on assets | -0.8595% | 6,672 |
| Return on Equity (ROE) | -2.6375% | 6,380 |
| Retained earnings to average equity (ytd only) | -2.6375% | 6,233 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5355% | 391 |
| Assets per employee ($millions) | 3.2623% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.7785% | 174 |
| Net loans and leases to deposits | 102.4092% | 356 |
| Net loans and leases to core deposits | 110.3681% | 611 |
| Total domestic deposits to total assets | 82.7841% | 4,843 |
| Equity capital to assets | 16.5319% | 509 |
| Core capital (leverage) ratio | 16.3693% | 426 |
| Tier 1 risk-based capital ratio | 19.5423% | 1,747 |
| Total risk-based capital ratio | 20.4582% | 1,805 |
| Memoranda: | ||
| Average total assets | $43,629,400 | 6,548 |
| Average earning assets | $42,475,200 | 6,445 |
| Average equity | $8,644,600 | 5,372 |
| Average total loans | $33,817,400 | 5,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 3,794 |
| Cost of funding earning assets | 0.8731% | 4,618 |
| Net interest margin | 3.9751% | 3,026 |
| Noninterest income to average assets | 0.5785% | 3,313 |
| Noninterest expense to average assets | 5.6529% | 240 |
| Loan and lease loss provision to assets | 0.3728% | 2,617 |
| Net operating income to assets | -0.9672% | 6,874 |
| Return on assets (ROA) | -0.8870% | 6,875 |
| Pretax return on assets | -1.4590% | 7,007 |
| Return on Equity (ROE) | -4.2550% | 6,641 |
| Retained earnings to average equity (ytd only) | -4.2550% | 6,532 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2793% | 249 |
| Assets per employee ($millions) | 3.3362% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 78.8842% | 618 |
| Net loans and leases to deposits | 95.8830% | 703 |
| Net loans and leases to core deposits | 104.2987% | 963 |
| Total domestic deposits to total assets | 82.2712% | 4,983 |
| Equity capital to assets | 17.1373% | 471 |
| Core capital (leverage) ratio | 16.9531% | 405 |
| Tier 1 risk-based capital ratio | 21.2118% | 1,419 |
| Total risk-based capital ratio | 22.1289% | 1,451 |
| Memoranda: | ||
| Average total assets | $41,487,750 | 6,671 |
| Average earning assets | $40,316,750 | 6,572 |
| Average equity | $8,648,500 | 5,398 |
| Average total loans | $31,109,250 | 6,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 4,321 |
| Cost of funding earning assets | 0.9152% | 4,550 |
| Net interest margin | 3.8311% | 3,638 |
| Noninterest income to average assets | 0.3675% | 4,940 |
| Noninterest expense to average assets | 5.7615% | 228 |
| Loan and lease loss provision to assets | 0.4193% | 2,338 |
| Net operating income to assets | -1.2699% | 7,024 |
| Return on assets (ROA) | -1.2268% | 7,023 |
| Pretax return on assets | -2.0188% | 7,167 |
| Return on Equity (ROE) | -5.4654% | 6,743 |
| Retained earnings to average equity (ytd only) | -5.4654% | 6,605 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.7080% | 192 |
| Assets per employee ($millions) | 2.9310% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 73.0809% | 1,578 |
| Net loans and leases to deposits | 91.5150% | 1,113 |
| Net loans and leases to core deposits | 99.5107% | 1,388 |
| Total domestic deposits to total assets | 79.8567% | 5,863 |
| Equity capital to assets | 19.5496% | 287 |
| Core capital (leverage) ratio | 19.3828% | 251 |
| Tier 1 risk-based capital ratio | 25.3556% | 871 |
| Total risk-based capital ratio | 26.3425% | 883 |
| Memoranda: | ||
| Average total assets | $38,636,000 | 6,835 |
| Average earning assets | $37,586,670 | 6,741 |
| Average equity | $8,672,670 | 5,414 |
| Average total loans | $28,198,330 | 6,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 4,364 |
| Cost of funding earning assets | 0.9577% | 4,509 |
| Net interest margin | 3.7739% | 3,741 |
| Noninterest income to average assets | 0.4559% | 4,225 |
| Noninterest expense to average assets | 6.2160% | 182 |
| Loan and lease loss provision to assets | 0.2891% | 2,838 |
| Net operating income to assets | -1.4345% | 7,176 |
| Return on assets (ROA) | -1.4345% | 7,180 |
| Pretax return on assets | -2.3685% | 7,305 |
| Return on Equity (ROE) | -5.9232% | 6,859 |
| Retained earnings to average equity (ytd only) | -5.9232% | 6,587 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2688% | 165 |
| Assets per employee ($millions) | 2.6799% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 73.1622% | 1,486 |
| Net loans and leases to deposits | 96.1773% | 678 |
| Net loans and leases to core deposits | 105.9071% | 945 |
| Total domestic deposits to total assets | 76.0702% | 6,662 |
| Equity capital to assets | 23.0556% | 142 |
| Core capital (leverage) ratio | 22.9776% | 140 |
| Tier 1 risk-based capital ratio | 28.9401% | 581 |
| Total risk-based capital ratio | 29.8676% | 583 |
| Memoranda: | ||
| Average total assets | $35,971,500 | 6,966 |
| Average earning assets | $35,083,500 | 6,878 |
| Average equity | $8,711,500 | 5,406 |
| Average total loans | $26,067,000 | 6,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 6,878 |
| Cost of funding earning assets | 1.2435% | 4,260 |
| Net interest margin | 2.9930% | 6,745 |
| Noninterest income to average assets | 1.0018% | 1,497 |
| Noninterest expense to average assets | 6.2954% | 201 |
| Loan and lease loss provision to assets | 0.4865% | 3,231 |
| Net operating income to assets | -1.7650% | 6,985 |
| Return on assets (ROA) | -1.5458% | 6,945 |
| Pretax return on assets | -2.5412% | 7,179 |
| Return on Equity (ROE) | -5.3631% | 6,463 |
| Retained earnings to average equity (ytd only) | -5.3631% | 6,336 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.4943% | 159 |
| Assets per employee ($millions) | 2.6481% | 6,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 6,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.1786% | 2,502 |
| Net loans and leases to deposits | 95.4109% | 919 |
| Net loans and leases to core deposits | 107.6412% | 1,083 |
| Total domestic deposits to total assets | 73.5541% | 6,941 |
| Equity capital to assets | 25.4844% | 120 |
| Core capital (leverage) ratio | 25.4172% | 118 |
| Tier 1 risk-based capital ratio | 41.8598% | 217 |
| Total risk-based capital ratio | 43.0569% | 210 |
| Memoranda: | ||
| Average total assets | $31,245,000 | 7,166 |
| Average earning assets | $30,237,000 | 7,080 |
| Average equity | $9,006,000 | 5,424 |
| Average total loans | $18,354,000 | 7,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 7,129 |
| Cost of funding earning assets | 1.3203% | 4,113 |
| Net interest margin | 2.8492% | 7,079 |
| Noninterest income to average assets | 0.6875% | 2,893 |
| Noninterest expense to average assets | 6.4717% | 187 |
| Loan and lease loss provision to assets | 0.4379% | 3,285 |
| Net operating income to assets | -2.1257% | 7,270 |
| Return on assets (ROA) | -1.8259% | 7,205 |
| Pretax return on assets | -3.0038% | 7,416 |
| Return on Equity (ROE) | -6.1339% | 6,730 |
| Retained earnings to average equity (ytd only) | -6.1339% | 6,648 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.2803% | 104 |
| Assets per employee ($millions) | 2.5384% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 68.8324% | 3,025 |
| Net loans and leases to deposits | 95.7992% | 1,004 |
| Net loans and leases to core deposits | 111.6661% | 948 |
| Total domestic deposits to total assets | 71.8507% | 7,145 |
| Equity capital to assets | 27.1372% | 110 |
| Core capital (leverage) ratio | 26.8112% | 108 |
| Tier 1 risk-based capital ratio | 44.9159% | 184 |
| Total risk-based capital ratio | 45.9255% | 183 |
| Memoranda: | ||
| Average total assets | $30,450,000 | 7,274 |
| Average earning assets | $29,387,250 | 7,194 |
| Average equity | $9,064,250 | 5,472 |
| Average total loans | $16,840,250 | 7,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 7,373 |
| Cost of funding earning assets | 1.4921% | 3,298 |
| Net interest margin | 2.4939% | 7,425 |
| Noninterest income to average assets | 0.3243% | 5,560 |
| Noninterest expense to average assets | 6.4999% | 176 |
| Loan and lease loss provision to assets | 0.5068% | 2,772 |
| Net operating income to assets | -2.6100% | 7,438 |
| Return on assets (ROA) | -2.3851% | 7,406 |
| Pretax return on assets | -3.9256% | 7,593 |
| Return on Equity (ROE) | -7.7577% | 6,876 |
| Retained earnings to average equity (ytd only) | -7.7577% | 6,796 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 238.1188% | 62 |
| Assets per employee ($millions) | 2.4879% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 6,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 62.6696% | 4,540 |
| Net loans and leases to deposits | 95.4251% | 1,098 |
| Net loans and leases to core deposits | 104.0311% | 1,639 |
| Total domestic deposits to total assets | 65.6741% | 7,539 |
| Equity capital to assets | 30.1491% | 84 |
| Core capital (leverage) ratio | 29.8483% | 82 |
| Tier 1 risk-based capital ratio | 51.0764% | 152 |
| Total risk-based capital ratio | 52.0665% | 151 |
| Memoranda: | ||
| Average total assets | $29,600,330 | 7,360 |
| Average earning assets | $28,550,000 | 7,276 |
| Average equity | $9,100,670 | 5,474 |
| Average total loans | $14,816,330 | 7,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 7,650 |
| Cost of funding earning assets | 1.7049% | 2,367 |
| Net interest margin | 1.9585% | 7,733 |
| Noninterest income to average assets | 0.3936% | 4,965 |
| Noninterest expense to average assets | 6.3516% | 183 |
| Loan and lease loss provision to assets | 0.5429% | 2,327 |
| Net operating income to assets | -2.8045% | 7,613 |
| Return on assets (ROA) | -2.7958% | 7,611 |
| Pretax return on assets | -4.6008% | 7,732 |
| Return on Equity (ROE) | -9.0050% | 7,095 |
| Retained earnings to average equity (ytd only) | -9.0050% | 6,897 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 278.5714% | 50 |
| Assets per employee ($millions) | 2.6074% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.5723% | 6,785 |
| Net loans and leases to deposits | 66.7186% | 5,744 |
| Net loans and leases to core deposits | 67.6477% | 6,134 |
| Total domestic deposits to total assets | 69.8041% | 7,421 |
| Equity capital to assets | 28.9814% | 94 |
| Core capital (leverage) ratio | 28.8723% | 93 |
| Tier 1 risk-based capital ratio | 62.6563% | 100 |
| Total risk-based capital ratio | 63.6079% | 101 |
| Memoranda: | ||
| Average total assets | $29,473,000 | 7,456 |
| Average earning assets | $28,389,500 | 7,377 |
| Average equity | $9,150,500 | 5,501 |
| Average total loans | $12,783,500 | 7,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6719% | 7,900 |
| Cost of funding earning assets | 1.3435% | 6,167 |
| Net interest margin | 1.3284% | 7,892 |
| Noninterest income to average assets | 0.3238% | 5,766 |
| Noninterest expense to average assets | 7.4757% | 174 |
| Loan and lease loss provision to assets | 0.4666% | 4,037 |
| Net operating income to assets | -3.8771% | 7,583 |
| Return on assets (ROA) | -3.6759% | 7,556 |
| Pretax return on assets | -6.0472% | 7,808 |
| Return on Equity (ROE) | -8.1255% | 6,477 |
| Retained earnings to average equity (ytd only) | -8.1255% | 6,356 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 472.8916% | 34 |
| Assets per employee ($millions) | 2.5143% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 38.9088% | 7,410 |
| Net loans and leases to deposits | 59.6938% | 6,653 |
| Net loans and leases to core deposits | 91.1872% | 4,989 |
| Total domestic deposits to total assets | 65.1806% | 7,669 |
| Equity capital to assets | 33.3840% | 86 |
| Core capital (leverage) ratio | 33.3599% | 83 |
| Tier 1 risk-based capital ratio | 85.1144% | 70 |
| Total risk-based capital ratio | 86.0096% | 70 |
| Memoranda: | ||
| Average total assets | $21,001,500 | 7,749 |
| Average earning assets | $19,873,500 | 7,714 |
| Average equity | $9,501,000 | 5,445 |
| Average total loans | $6,177,250 | 7,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5180% | 8,008 |
| Cost of funding earning assets | 1.2855% | 6,598 |
| Net interest margin | 1.2326% | 7,987 |
| Noninterest income to average assets | 0.3337% | 5,818 |
| Noninterest expense to average assets | 8.8234% | 127 |
| Loan and lease loss provision to assets | 0.4259% | 3,772 |
| Net operating income to assets | -5.1038% | 7,854 |
| Return on assets (ROA) | -4.8695% | 7,828 |
| Pretax return on assets | -7.4037% | 7,978 |
| Return on Equity (ROE) | -9.5371% | 6,862 |
| Retained earnings to average equity (ytd only) | -9.5371% | 6,763 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 591.9048% | 22 |
| Assets per employee ($millions) | 1.9141% | 7,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 6,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 33.5217% | 7,700 |
| Net loans and leases to deposits | 62.4768% | 6,631 |
| Net loans and leases to core deposits | 112.4064% | 2,982 |
| Total domestic deposits to total assets | 53.6547% | 7,953 |
| Equity capital to assets | 44.5215% | 65 |
| Core capital (leverage) ratio | 44.2434% | 64 |
| Tier 1 risk-based capital ratio | 119.1695% | 52 |
| Total risk-based capital ratio | 119.9409% | 52 |
| Memoranda: | ||
| Average total assets | $18,783,000 | 7,885 |
| Average earning assets | $17,632,330 | 7,855 |
| Average equity | $9,590,330 | 5,463 |
| Average total loans | $4,617,000 | 7,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9755% | 8,127 |
| Cost of funding earning assets | 1.0487% | 7,467 |
| Net interest margin | 0.9268% | 8,110 |
| Noninterest income to average assets | 0.3400% | 5,792 |
| Noninterest expense to average assets | 9.0327% | 132 |
| Loan and lease loss provision to assets | 0.3967% | 3,538 |
| Net operating income to assets | -5.4208% | 7,970 |
| Return on assets (ROA) | -5.3834% | 7,959 |
| Pretax return on assets | -8.1714% | 8,057 |
| Return on Equity (ROE) | -9.7953% | 7,016 |
| Retained earnings to average equity (ytd only) | -9.7953% | 6,852 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 751.8868% | 27 |
| Assets per employee ($millions) | 1.9029% | 7,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 7,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 24.5318% | 7,987 |
| Net loans and leases to deposits | 46.0249% | 7,634 |
| Net loans and leases to core deposits | 83.6455% | 6,112 |
| Total domestic deposits to total assets | 53.3012% | 8,036 |
| Equity capital to assets | 45.6574% | 71 |
| Core capital (leverage) ratio | 45.5142% | 70 |
| Tier 1 risk-based capital ratio | 147.0898% | 49 |
| Total risk-based capital ratio | 147.6161% | 49 |
| Memoranda: | ||
| Average total assets | $17,647,000 | 7,998 |
| Average earning assets | $16,400,500 | 7,966 |
| Average equity | $9,698,500 | 5,458 |
| Average total loans | $3,366,500 | 8,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1841% | 8,211 |
| Cost of funding earning assets | 0.0935% | 8,204 |
| Net interest margin | 1.0906% | 8,150 |
| Noninterest income to average assets | 0.0557% | 7,801 |
| Noninterest expense to average assets | 8.5782% | 139 |
| Loan and lease loss provision to assets | 0.4456% | 2,694 |
| Net operating income to assets | -5.2639% | 8,055 |
| Return on assets (ROA) | -5.2639% | 8,047 |
| Pretax return on assets | -7.9933% | 8,113 |
| Return on Equity (ROE) | -7.6829% | 7,213 |
| Retained earnings to average equity (ytd only) | -7.6829% | 6,879 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 832.4324% | 25 |
| Assets per employee ($millions) | 1.3056% | 8,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 10.7784% | 8,155 |
| Net loans and leases to deposits | 35.9081% | 7,943 |
| Net loans and leases to core deposits | 66.7529% | 7,205 |
| Total domestic deposits to total assets | 30.0167% | 8,174 |
| Equity capital to assets | 68.5141% | 42 |
| Core capital (leverage) ratio | 68.4041% | 43 |
| Tier 1 risk-based capital ratio | 236.3022% | 29 |
| Total risk-based capital ratio | 236.6884% | 29 |
| Memoranda: | ||
| Average total assets | $14,362,000 | 8,135 |
| Average earning assets | $12,837,000 | 8,118 |
| Average equity | $9,840,000 | 5,438 |
| Average total loans | $1,564,000 | 8,180 |