Home > SUNRISE BANK OF ARIZONA > Performance and Condition Ratios
SUNRISE BANK OF ARIZONA, Performance and Condition Ratios
| 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 | 4.7809% | 1,373 |
| Cost of funding earning assets | 0.4712% | 4,191 |
| Net interest margin | 4.3097% | 1,012 |
| Noninterest income to average assets | 0.2222% | 5,855 |
| Noninterest expense to average assets | 4.3384% | 607 |
| Loan and lease loss provision to assets | 0.1982% | 1,915 |
| Net operating income to assets | -0.2761% | 6,537 |
| Return on assets (ROA) | -0.2761% | 6,566 |
| Pretax return on assets | -0.2761% | 6,538 |
| Return on Equity (ROE) | -12.0260% | 6,770 |
| Retained earnings to average equity (ytd only) | -12.0260% | 6,710 |
| Net charge-offs to loans | 0.7370% | 882 |
| Credit loss provision to net charge-offs | 33.2258% | 3,537 |
| Earnings coverage of net charge-offs (x) | -0.1306% | 4,592 |
| Efficiency ratio | 101.8289% | 430 |
| Assets per employee ($millions) | 3.0176% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0056% | 579 |
| Loan loss allowance to noncurrent loans | 35.1295% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 8.3545% | 228 |
| Noncurrent loans to loans | 8.5557% | 220 |
| Net loans and leases to total assets | 74.9252% | 1,117 |
| Net loans and leases to deposits | 76.9246% | 2,736 |
| Net loans and leases to core deposits | 81.1810% | 2,893 |
| Total domestic deposits to total assets | 97.4008% | 6 |
| Equity capital to assets | 2.3717% | 6,922 |
| Core capital (leverage) ratio | 2.3629% | 6,925 |
| Tier 1 risk-based capital ratio | 3.0414% | 6,928 |
| Total risk-based capital ratio | 4.3129% | 6,928 |
| Memoranda: | ||
| Average total assets | $207,911,000 | 2,970 |
| Average earning assets | $194,816,330 | 2,929 |
| Average equity | $4,773,000 | 6,249 |
| Average total loans | $168,245,670 | 2,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,434 |
| Cost of funding earning assets | 0.4935% | 4,146 |
| Net interest margin | 4.2449% | 1,084 |
| Noninterest income to average assets | 0.1290% | 6,447 |
| Noninterest expense to average assets | 4.1997% | 715 |
| Loan and lease loss provision to assets | 0.3890% | 801 |
| Net operating income to assets | -0.4934% | 6,668 |
| Return on assets (ROA) | -0.4934% | 6,692 |
| Pretax return on assets | -0.4934% | 6,674 |
| Return on Equity (ROE) | -21.8396% | 6,909 |
| Retained earnings to average equity (ytd only) | -21.8396% | 6,852 |
| Net charge-offs to loans | 1.7742% | 279 |
| Credit loss provision to net charge-offs | 26.5201% | 2,936 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 3,845 |
| Efficiency ratio | 102.5487% | 470 |
| Assets per employee ($millions) | 2.9878% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6672% | 949 |
| Loan loss allowance to noncurrent loans | 28.7051% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 9.5664% | 216 |
| Noncurrent loans to loans | 9.2917% | 250 |
| Net loans and leases to total assets | 80.3628% | 397 |
| Net loans and leases to deposits | 82.5215% | 1,762 |
| Net loans and leases to core deposits | 87.0613% | 2,004 |
| Total domestic deposits to total assets | 97.3841% | 9 |
| Equity capital to assets | 2.3390% | 6,998 |
| Core capital (leverage) ratio | 2.2692% | 6,995 |
| Tier 1 risk-based capital ratio | 2.7952% | 7,002 |
| Total risk-based capital ratio | 4.0629% | 7,002 |
| Memoranda: | ||
| Average total assets | $210,777,000 | 2,972 |
| Average earning assets | $196,943,500 | 2,933 |
| Average equity | $4,762,000 | 6,316 |
| Average total loans | $174,280,000 | 2,279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 1,299 |
| Cost of funding earning assets | 0.6743% | 3,693 |
| Net interest margin | 4.4325% | 1,084 |
| Noninterest income to average assets | -0.6039% | 7,038 |
| Noninterest expense to average assets | 4.6129% | 511 |
| Loan and lease loss provision to assets | 0.1455% | 3,784 |
| Net operating income to assets | -1.6470% | 6,890 |
| Return on assets (ROA) | -1.6470% | 6,902 |
| Pretax return on assets | -1.3698% | 6,820 |
| Return on Equity (ROE) | -77.7887% | 7,056 |
| Retained earnings to average equity (ytd only) | -77.7887% | 7,056 |
| Net charge-offs to loans | 3.1098% | 151 |
| Credit loss provision to net charge-offs | 5.9099% | 5,435 |
| Earnings coverage of net charge-offs (x) | -0.4973% | 5,673 |
| Efficiency ratio | 136.1313% | 129 |
| Assets per employee ($millions) | 3.0337% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8641% | 770 |
| Loan loss allowance to noncurrent loans | 29.7686% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 10.6637% | 193 |
| Noncurrent loans to loans | 9.6213% | 258 |
| Net loans and leases to total assets | 80.4275% | 429 |
| Net loans and leases to deposits | 82.6043% | 1,922 |
| Net loans and leases to core deposits | 86.9934% | 2,191 |
| Total domestic deposits to total assets | 97.3648% | 13 |
| Equity capital to assets | 2.1830% | 7,061 |
| Core capital (leverage) ratio | 2.0509% | 7,061 |
| Tier 1 risk-based capital ratio | 2.6088% | 7,067 |
| Total risk-based capital ratio | 3.8799% | 7,068 |
| Memoranda: | ||
| Average total assets | $259,813,400 | 2,441 |
| Average earning assets | $234,023,200 | 2,464 |
| Average equity | $5,500,800 | 6,147 |
| Average total loans | $205,672,400 | 1,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 1,628 |
| Cost of funding earning assets | 0.6996% | 3,773 |
| Net interest margin | 4.3249% | 1,407 |
| Noninterest income to average assets | -0.8007% | 7,155 |
| Noninterest expense to average assets | 4.5065% | 535 |
| Loan and lease loss provision to assets | 0.1855% | 3,269 |
| Net operating income to assets | -1.6226% | 6,991 |
| Return on assets (ROA) | -1.6226% | 6,998 |
| Pretax return on assets | -1.6226% | 6,975 |
| Return on Equity (ROE) | -77.1141% | 7,151 |
| Retained earnings to average equity (ytd only) | -77.1141% | 7,149 |
| Net charge-offs to loans | 3.5958% | 118 |
| Credit loss provision to net charge-offs | 6.5783% | 5,116 |
| Earnings coverage of net charge-offs (x) | -0.5095% | 5,499 |
| Efficiency ratio | 146.8174% | 100 |
| Assets per employee ($millions) | 3.3448% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 683 |
| Loan loss allowance to noncurrent loans | 31.7666% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 10.9752% | 192 |
| Noncurrent loans to loans | 9.5872% | 271 |
| Net loans and leases to total assets | 77.3758% | 810 |
| Net loans and leases to deposits | 79.4188% | 2,482 |
| Net loans and leases to core deposits | 83.4720% | 2,761 |
| Total domestic deposits to total assets | 97.4276% | 11 |
| Equity capital to assets | 2.0903% | 7,162 |
| Core capital (leverage) ratio | 1.9999% | 7,166 |
| Tier 1 risk-based capital ratio | 2.5434% | 7,170 |
| Total risk-based capital ratio | 3.8156% | 7,170 |
| Memoranda: | ||
| Average total assets | $270,918,250 | 2,357 |
| Average earning assets | $242,435,750 | 2,423 |
| Average equity | $5,700,500 | 6,171 |
| Average total loans | $212,504,500 | 1,933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 1,555 |
| Cost of funding earning assets | 0.7273% | 3,791 |
| Net interest margin | 4.3558% | 1,323 |
| Noninterest income to average assets | -0.7700% | 7,211 |
| Noninterest expense to average assets | 4.6337% | 489 |
| Loan and lease loss provision to assets | 0.2673% | 2,445 |
| Net operating income to assets | -1.7939% | 7,049 |
| Return on assets (ROA) | -1.7939% | 7,065 |
| Pretax return on assets | -1.7939% | 7,049 |
| Return on Equity (ROE) | -85.0992% | 7,201 |
| Retained earnings to average equity (ytd only) | -85.0992% | 7,197 |
| Net charge-offs to loans | 4.8664% | 70 |
| Credit loss provision to net charge-offs | 7.0375% | 4,766 |
| Earnings coverage of net charge-offs (x) | -0.4019% | 5,212 |
| Efficiency ratio | 149.1328% | 105 |
| Assets per employee ($millions) | 3.5841% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0144% | 770 |
| Loan loss allowance to noncurrent loans | 33.7711% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 12.1431% | 174 |
| Noncurrent loans to loans | 8.9261% | 348 |
| Net loans and leases to total assets | 76.6268% | 890 |
| Net loans and leases to deposits | 78.6831% | 2,565 |
| Net loans and leases to core deposits | 82.8189% | 2,854 |
| Total domestic deposits to total assets | 97.3866% | 12 |
| Equity capital to assets | 2.1398% | 7,217 |
| Core capital (leverage) ratio | 2.0420% | 7,218 |
| Tier 1 risk-based capital ratio | 2.5731% | 7,227 |
| Total risk-based capital ratio | 3.8445% | 7,228 |
| Memoranda: | ||
| Average total assets | $282,064,330 | 2,286 |
| Average earning assets | $251,069,330 | 2,346 |
| Average equity | $5,946,000 | 6,132 |
| Average total loans | $220,164,670 | 1,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 1,812 |
| Cost of funding earning assets | 0.7573% | 3,808 |
| Net interest margin | 4.2648% | 1,575 |
| Noninterest income to average assets | -0.1238% | 7,177 |
| Noninterest expense to average assets | 4.4928% | 554 |
| Loan and lease loss provision to assets | 0.5114% | 1,179 |
| Net operating income to assets | -1.3439% | 7,064 |
| Return on assets (ROA) | -1.3439% | 7,077 |
| Pretax return on assets | -1.3439% | 7,053 |
| Return on Equity (ROE) | -64.1767% | 7,245 |
| Retained earnings to average equity (ytd only) | -64.1767% | 7,237 |
| Net charge-offs to loans | 6.2075% | 58 |
| Credit loss provision to net charge-offs | 10.6125% | 3,894 |
| Earnings coverage of net charge-offs (x) | -0.1727% | 4,427 |
| Efficiency ratio | 122.7425% | 198 |
| Assets per employee ($millions) | 3.7438% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6393% | 488 |
| Loan loss allowance to noncurrent loans | 34.2028% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 14.1023% | 128 |
| Noncurrent loans to loans | 10.6404% | 268 |
| Net loans and leases to total assets | 74.0648% | 1,047 |
| Net loans and leases to deposits | 77.7385% | 2,560 |
| Net loans and leases to core deposits | 81.6508% | 2,879 |
| Total domestic deposits to total assets | 95.2743% | 52 |
| Equity capital to assets | 2.0785% | 7,278 |
| Core capital (leverage) ratio | 2.0036% | 7,284 |
| Tier 1 risk-based capital ratio | 2.5600% | 7,291 |
| Total risk-based capital ratio | 3.8383% | 7,289 |
| Memoranda: | ||
| Average total assets | $294,068,500 | 2,210 |
| Average earning assets | $260,929,000 | 2,271 |
| Average equity | $6,158,000 | 6,107 |
| Average total loans | $228,304,000 | 1,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 1,501 |
| Cost of funding earning assets | 1.0312% | 3,156 |
| Net interest margin | 4.3374% | 1,583 |
| Noninterest income to average assets | -1.3075% | 7,336 |
| Noninterest expense to average assets | 4.5662% | 548 |
| Loan and lease loss provision to assets | 2.0803% | 269 |
| Net operating income to assets | -4.1722% | 7,262 |
| Return on assets (ROA) | -4.1722% | 7,268 |
| Pretax return on assets | -4.1701% | 7,278 |
| Return on Equity (ROE) | -215.8938% | 7,349 |
| Retained earnings to average equity (ytd only) | -215.8938% | 7,349 |
| Net charge-offs to loans | 5.8324% | 51 |
| Credit loss provision to net charge-offs | 47.5157% | 5,482 |
| Earnings coverage of net charge-offs (x) | -0.4773% | 6,073 |
| Efficiency ratio | 184.3910% | 73 |
| Assets per employee ($millions) | 3.7951% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6765% | 219 |
| Loan loss allowance to noncurrent loans | 46.2870% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 14.8764% | 125 |
| Noncurrent loans to loans | 10.1032% | 309 |
| Net loans and leases to total assets | 74.6974% | 1,141 |
| Net loans and leases to deposits | 80.7405% | 2,405 |
| Net loans and leases to core deposits | 83.9828% | 2,895 |
| Total domestic deposits to total assets | 92.5154% | 178 |
| Equity capital to assets | 2.1086% | 7,319 |
| Core capital (leverage) ratio | 2.0274% | 7,323 |
| Tier 1 risk-based capital ratio | 2.5566% | 7,330 |
| Total risk-based capital ratio | 3.8473% | 7,331 |
| Memoranda: | ||
| Average total assets | $346,151,600 | 1,871 |
| Average earning assets | $301,980,800 | 1,943 |
| Average equity | $6,689,400 | 5,959 |
| Average total loans | $259,840,600 | 1,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 1,322 |
| Cost of funding earning assets | 1.0859% | 3,071 |
| Net interest margin | 4.3876% | 1,443 |
| Noninterest income to average assets | -1.3561% | 7,419 |
| Noninterest expense to average assets | 4.6133% | 518 |
| Loan and lease loss provision to assets | 2.6899% | 146 |
| Net operating income to assets | -4.8468% | 7,372 |
| Return on assets (ROA) | -4.8468% | 7,374 |
| Pretax return on assets | -4.8468% | 7,374 |
| Return on Equity (ROE) | -255.7648% | 7,429 |
| Retained earnings to average equity (ytd only) | -255.7648% | 7,429 |
| Net charge-offs to loans | 6.0880% | 56 |
| Credit loss provision to net charge-offs | 59.4139% | 4,823 |
| Earnings coverage of net charge-offs (x) | -0.4764% | 5,825 |
| Efficiency ratio | 187.8138% | 61 |
| Assets per employee ($millions) | 3.9711% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7693% | 111 |
| Loan loss allowance to noncurrent loans | 52.4148% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 15.8421% | 111 |
| Noncurrent loans to loans | 11.0070% | 291 |
| Net loans and leases to total assets | 71.0394% | 1,895 |
| Net loans and leases to deposits | 76.5411% | 3,241 |
| Net loans and leases to core deposits | 80.9382% | 3,497 |
| Total domestic deposits to total assets | 92.8121% | 144 |
| Equity capital to assets | 2.1150% | 7,394 |
| Core capital (leverage) ratio | 2.0167% | 7,400 |
| Tier 1 risk-based capital ratio | 2.6174% | 7,406 |
| Total risk-based capital ratio | 3.9194% | 7,408 |
| Memoranda: | ||
| Average total assets | $356,787,250 | 1,825 |
| Average earning assets | $310,020,250 | 1,903 |
| Average equity | $6,761,250 | 5,978 |
| Average total loans | $265,322,250 | 1,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 939 |
| Cost of funding earning assets | 1.1405% | 2,969 |
| Net interest margin | 4.5223% | 1,080 |
| Noninterest income to average assets | -1.5600% | 7,494 |
| Noninterest expense to average assets | 4.6278% | 523 |
| Loan and lease loss provision to assets | 1.7452% | 385 |
| Net operating income to assets | -4.0128% | 7,392 |
| Return on assets (ROA) | -4.0128% | 7,396 |
| Pretax return on assets | -4.0128% | 7,390 |
| Return on Equity (ROE) | -219.2778% | 7,491 |
| Retained earnings to average equity (ytd only) | -219.2778% | 7,491 |
| Net charge-offs to loans | 6.3089% | 69 |
| Credit loss provision to net charge-offs | 37.3514% | 4,865 |
| Earnings coverage of net charge-offs (x) | -0.4853% | 5,519 |
| Efficiency ratio | 196.0766% | 66 |
| Assets per employee ($millions) | 4.0565% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2022% | 164 |
| Loan loss allowance to noncurrent loans | 51.8774% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 14.6452% | 158 |
| Noncurrent loans to loans | 10.0280% | 383 |
| Net loans and leases to total assets | 69.9660% | 2,228 |
| Net loans and leases to deposits | 75.7067% | 3,528 |
| Net loans and leases to core deposits | 79.9586% | 3,791 |
| Total domestic deposits to total assets | 92.4173% | 172 |
| Equity capital to assets | 2.4758% | 7,455 |
| Core capital (leverage) ratio | 2.4025% | 7,457 |
| Tier 1 risk-based capital ratio | 3.0599% | 7,464 |
| Total risk-based capital ratio | 4.3538% | 7,465 |
| Memoranda: | ||
| Average total assets | $367,172,330 | 1,781 |
| Average earning assets | $318,290,330 | 1,875 |
| Average equity | $6,719,330 | 6,014 |
| Average total loans | $271,933,000 | 1,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0719% | 423 |
| Cost of funding earning assets | 1.2173% | 2,705 |
| Net interest margin | 4.8545% | 508 |
| Noninterest income to average assets | -1.5644% | 7,548 |
| Noninterest expense to average assets | 4.8362% | 421 |
| Loan and lease loss provision to assets | 0.5383% | 1,612 |
| Net operating income to assets | -2.6926% | 7,370 |
| Return on assets (ROA) | -2.6926% | 7,371 |
| Pretax return on assets | -2.6926% | 7,351 |
| Return on Equity (ROE) | -177.1025% | 7,532 |
| Retained earnings to average equity (ytd only) | -177.1025% | 7,528 |
| Net charge-offs to loans | 4.1149% | 215 |
| Credit loss provision to net charge-offs | 17.6346% | 4,284 |
| Earnings coverage of net charge-offs (x) | -0.7057% | 4,851 |
| Efficiency ratio | 180.3285% | 83 |
| Assets per employee ($millions) | 4.3009% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8094% | 113 |
| Loan loss allowance to noncurrent loans | 56.7323% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 15.1766% | 155 |
| Noncurrent loans to loans | 10.2400% | 386 |
| Net loans and leases to total assets | 69.3473% | 2,258 |
| Net loans and leases to deposits | 75.8115% | 3,448 |
| Net loans and leases to core deposits | 80.7684% | 3,633 |
| Total domestic deposits to total assets | 91.4734% | 422 |
| Equity capital to assets | 2.2239% | 7,519 |
| Core capital (leverage) ratio | 2.2352% | 7,514 |
| Tier 1 risk-based capital ratio | 2.8074% | 7,529 |
| Total risk-based capital ratio | 4.1089% | 7,530 |
| Memoranda: | ||
| Average total assets | $372,274,000 | 1,776 |
| Average earning assets | $325,633,000 | 1,842 |
| Average equity | $5,660,000 | 6,350 |
| Average total loans | $276,168,000 | 1,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 5,538 |
| Cost of funding earning assets | 1.6340% | 1,894 |
| Net interest margin | 3.1350% | 6,424 |
| Noninterest income to average assets | -3.4372% | 7,655 |
| Noninterest expense to average assets | 5.0770% | 395 |
| Loan and lease loss provision to assets | 3.7168% | 189 |
| Net operating income to assets | -9.6774% | 7,638 |
| Return on assets (ROA) | -9.6774% | 7,639 |
| Pretax return on assets | -9.5722% | 7,638 |
| Return on Equity (ROE) | -398.4714% | 7,657 |
| Retained earnings to average equity (ytd only) | -398.4714% | 7,657 |
| Net charge-offs to loans | 5.4716% | 133 |
| Credit loss provision to net charge-offs | 95.8968% | 4,849 |
| Earnings coverage of net charge-offs (x) | -1.5107% | 6,678 |
| Efficiency ratio | -606.1714% | 7,652 |
| Assets per employee ($millions) | 4.1549% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3214% | 95 |
| Loan loss allowance to noncurrent loans | 55.7875% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 17.5817% | 101 |
| Noncurrent loans to loans | 11.3312% | 334 |
| Net loans and leases to total assets | 70.0756% | 2,521 |
| Net loans and leases to deposits | 75.8979% | 3,855 |
| Net loans and leases to core deposits | 83.0495% | 3,738 |
| Total domestic deposits to total assets | 92.3288% | 215 |
| Equity capital to assets | 0.7407% | 7,638 |
| Core capital (leverage) ratio | 0.6887% | 7,639 |
| Tier 1 risk-based capital ratio | 0.9183% | 7,638 |
| Total risk-based capital ratio | 1.8366% | 7,638 |
| Memoranda: | ||
| Average total assets | $428,833,600 | 1,558 |
| Average earning assets | $363,701,000 | 1,653 |
| Average equity | $10,414,800 | 5,006 |
| Average total loans | $303,770,800 | 1,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 5,909 |
| Cost of funding earning assets | 1.7015% | 1,872 |
| Net interest margin | 3.0302% | 6,767 |
| Noninterest income to average assets | -3.6094% | 7,758 |
| Noninterest expense to average assets | 4.8532% | 424 |
| Loan and lease loss provision to assets | 4.1489% | 142 |
| Net operating income to assets | -10.1893% | 7,744 |
| Return on assets (ROA) | -10.1893% | 7,742 |
| Pretax return on assets | -10.0553% | 7,743 |
| Return on Equity (ROE) | -368.9827% | 7,757 |
| Retained earnings to average equity (ytd only) | -368.9827% | 7,757 |
| Net charge-offs to loans | 5.3197% | 149 |
| Credit loss provision to net charge-offs | 111.3304% | 3,801 |
| Earnings coverage of net charge-offs (x) | -1.5849% | 6,513 |
| Efficiency ratio | -460.7860% | 7,754 |
| Assets per employee ($millions) | 4.3105% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5988% | 81 |
| Loan loss allowance to noncurrent loans | 52.1310% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 17.6037% | 95 |
| Noncurrent loans to loans | 12.6581% | 248 |
| Net loans and leases to total assets | 67.1008% | 3,437 |
| Net loans and leases to deposits | 73.5691% | 4,584 |
| Net loans and leases to core deposits | 83.6062% | 4,007 |
| Total domestic deposits to total assets | 91.2078% | 381 |
| Equity capital to assets | 2.4957% | 7,712 |
| Core capital (leverage) ratio | 2.0309% | 7,717 |
| Tier 1 risk-based capital ratio | 2.6971% | 7,719 |
| Total risk-based capital ratio | 4.0066% | 7,719 |
| Memoranda: | ||
| Average total assets | $447,751,250 | 1,511 |
| Average earning assets | $377,696,000 | 1,614 |
| Average equity | $12,364,500 | 4,582 |
| Average total loans | $313,668,250 | 1,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 6,243 |
| Cost of funding earning assets | 1.7672% | 1,783 |
| Net interest margin | 2.9040% | 7,005 |
| Noninterest income to average assets | -3.9762% | 7,829 |
| Noninterest expense to average assets | 4.9056% | 406 |
| Loan and lease loss provision to assets | 4.8394% | 117 |
| Net operating income to assets | -11.4769% | 7,815 |
| Return on assets (ROA) | -11.4769% | 7,816 |
| Pretax return on assets | -11.2833% | 7,814 |
| Return on Equity (ROE) | -404.5348% | 7,824 |
| Retained earnings to average equity (ytd only) | -404.5348% | 7,824 |
| Net charge-offs to loans | 5.7985% | 146 |
| Credit loss provision to net charge-offs | 120.0064% | 3,386 |
| Earnings coverage of net charge-offs (x) | -1.5980% | 6,182 |
| Efficiency ratio | -318.9091% | 7,822 |
| Assets per employee ($millions) | 4.0709% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2917% | 90 |
| Loan loss allowance to noncurrent loans | 41.5559% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 19.4739% | 61 |
| Noncurrent loans to loans | 15.1403% | 167 |
| Net loans and leases to total assets | 67.7451% | 3,443 |
| Net loans and leases to deposits | 73.1207% | 4,818 |
| Net loans and leases to core deposits | 94.0321% | 2,707 |
| Total domestic deposits to total assets | 92.6483% | 135 |
| Equity capital to assets | 1.4037% | 7,808 |
| Core capital (leverage) ratio | 0.9608% | 7,808 |
| Tier 1 risk-based capital ratio | 1.3105% | 7,810 |
| Total risk-based capital ratio | 2.6162% | 7,810 |
| Memoranda: | ||
| Average total assets | $464,812,000 | 1,466 |
| Average earning assets | $390,222,670 | 1,585 |
| Average equity | $13,187,000 | 4,399 |
| Average total loans | $323,257,330 | 1,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 6,379 |
| Cost of funding earning assets | 1.7846% | 1,938 |
| Net interest margin | 2.8744% | 7,065 |
| Noninterest income to average assets | -6.6879% | 7,933 |
| Noninterest expense to average assets | 4.7989% | 436 |
| Loan and lease loss provision to assets | 5.3055% | 139 |
| Net operating income to assets | -14.3892% | 7,920 |
| Return on assets (ROA) | -14.3892% | 7,920 |
| Pretax return on assets | -14.3892% | 7,920 |
| Return on Equity (ROE) | -415.6345% | 7,911 |
| Retained earnings to average equity (ytd only) | -415.6345% | 7,911 |
| Net charge-offs to loans | 9.3813% | 63 |
| Credit loss provision to net charge-offs | 82.7444% | 3,818 |
| Earnings coverage of net charge-offs (x) | -1.4167% | 5,424 |
| Efficiency ratio | -111.9977% | 7,925 |
| Assets per employee ($millions) | 4.4750% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0506% | 167 |
| Loan loss allowance to noncurrent loans | 37.2316% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 17.9912% | 87 |
| Noncurrent loans to loans | 13.5653% | 227 |
| Net loans and leases to total assets | 63.5659% | 4,412 |
| Net loans and leases to deposits | 69.0311% | 5,466 |
| Net loans and leases to core deposits | 84.3770% | 4,157 |
| Total domestic deposits to total assets | 92.0829% | 225 |
| Equity capital to assets | 2.6754% | 7,866 |
| Core capital (leverage) ratio | 2.3484% | 7,870 |
| Tier 1 risk-based capital ratio | 3.0218% | 7,877 |
| Total risk-based capital ratio | 4.3102% | 7,877 |
| Memoranda: | ||
| Average total assets | $485,532,500 | 1,445 |
| Average earning assets | $405,924,500 | 1,566 |
| Average equity | $16,809,000 | 3,695 |
| Average total loans | $331,851,000 | 1,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 6,384 |
| Cost of funding earning assets | 2.3848% | 1,348 |
| Net interest margin | 2.6308% | 7,305 |
| Noninterest income to average assets | -1.6386% | 8,001 |
| Noninterest expense to average assets | 3.9866% | 1,382 |
| Loan and lease loss provision to assets | 5.4251% | 152 |
| Net operating income to assets | -8.4971% | 7,946 |
| Return on assets (ROA) | -8.4971% | 7,944 |
| Pretax return on assets | -8.8049% | 7,945 |
| Return on Equity (ROE) | -106.2808% | 7,944 |
| Retained earnings to average equity (ytd only) | -106.2808% | 7,943 |
| Net charge-offs to loans | 5.5418% | 202 |
| Credit loss provision to net charge-offs | 139.1068% | 3,519 |
| Earnings coverage of net charge-offs (x) | -0.8666% | 6,852 |
| Efficiency ratio | 612.2001% | 25 |
| Assets per employee ($millions) | 4.3957% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0217% | 173 |
| Loan loss allowance to noncurrent loans | 53.5012% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 16.4768% | 105 |
| Noncurrent loans to loans | 9.3862% | 459 |
| Net loans and leases to total assets | 66.1861% | 4,111 |
| Net loans and leases to deposits | 73.0432% | 5,183 |
| Net loans and leases to core deposits | 104.8025% | 3,473 |
| Total domestic deposits to total assets | 90.6122% | 692 |
| Equity capital to assets | 4.2131% | 7,844 |
| Core capital (leverage) ratio | 3.6154% | 7,865 |
| Tier 1 risk-based capital ratio | 4.9971% | 7,867 |
| Total risk-based capital ratio | 6.2870% | 7,869 |
| Memoranda: | ||
| Average total assets | $570,111,800 | 1,217 |
| Average earning assets | $486,582,400 | 1,298 |
| Average equity | $45,580,200 | 1,474 |
| Average total loans | $401,209,000 | 1,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9735% | 2,138 |
| Cost of funding earning assets | 1.4212% | 6,146 |
| Net interest margin | 4.5523% | 1,071 |
| Noninterest income to average assets | 0.0551% | 7,627 |
| Noninterest expense to average assets | 2.9431% | 4,262 |
| Loan and lease loss provision to assets | 1.1207% | 1,744 |
| Net operating income to assets | -0.8438% | 6,722 |
| Return on assets (ROA) | -0.8438% | 6,717 |
| Pretax return on assets | 0.2682% | 5,142 |
| Return on Equity (ROE) | -8.7563% | 6,794 |
| Retained earnings to average equity (ytd only) | -8.7563% | 6,681 |
| Net charge-offs to loans | 0.8763% | 2,215 |
| Credit loss provision to net charge-offs | 142.6199% | 3,433 |
| Earnings coverage of net charge-offs (x) | 1.7675% | 4,468 |
| Efficiency ratio | 67.9384% | 4,993 |
| Assets per employee ($millions) | 5.9909% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 2,743 |
| Loan loss allowance to noncurrent loans | 34.4198% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 6.5177% | 770 |
| Noncurrent loans to loans | 4.8418% | 1,403 |
| Net loans and leases to total assets | 86.6719% | 296 |
| Net loans and leases to deposits | 112.1453% | 385 |
| Net loans and leases to core deposits | 142.4370% | 821 |
| Total domestic deposits to total assets | 77.2854% | 6,269 |
| Equity capital to assets | 9.6302% | 4,583 |
| Core capital (leverage) ratio | 8.6251% | 5,266 |
| Tier 1 risk-based capital ratio | 9.7612% | 7,176 |
| Total risk-based capital ratio | 11.0169% | 7,136 |
| Memoranda: | ||
| Average total assets | $91,964,500 | 5,368 |
| Average earning assets | $86,402,000 | 5,292 |
| Average equity | $8,862,000 | 5,699 |
| Average total loans | $82,467,500 | 4,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 2,067 |
| Cost of funding earning assets | 1.5091% | 6,105 |
| Net interest margin | 4.5182% | 1,126 |
| Noninterest income to average assets | -0.0022% | 7,971 |
| Noninterest expense to average assets | 2.9742% | 4,188 |
| Loan and lease loss provision to assets | 1.4072% | 1,230 |
| Net operating income to assets | -0.0885% | 5,988 |
| Return on assets (ROA) | -0.0885% | 6,042 |
| Pretax return on assets | -0.1381% | 6,049 |
| Return on Equity (ROE) | -0.9181% | 6,063 |
| Retained earnings to average equity (ytd only) | -0.9181% | 5,459 |
| Net charge-offs to loans | 0.4572% | 3,000 |
| Credit loss provision to net charge-offs | 341.3613% | 1,357 |
| Earnings coverage of net charge-offs (x) | 3.0785% | 3,583 |
| Efficiency ratio | 70.0916% | 4,762 |
| Assets per employee ($millions) | 5.6617% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,774 |
| Loan loss allowance to noncurrent loans | 52.7570% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 4.2909% | 1,344 |
| Noncurrent loans to loans | 3.6182% | 1,923 |
| Net loans and leases to total assets | 87.9276% | 239 |
| Net loans and leases to deposits | 113.0684% | 444 |
| Net loans and leases to core deposits | 134.3414% | 1,297 |
| Total domestic deposits to total assets | 77.7650% | 6,138 |
| Equity capital to assets | 9.8182% | 4,192 |
| Core capital (leverage) ratio | 9.1396% | 4,401 |
| Tier 1 risk-based capital ratio | 10.1829% | 6,733 |
| Total risk-based capital ratio | 11.4406% | 6,652 |
| Memoranda: | ||
| Average total assets | $92,665,000 | 5,380 |
| Average earning assets | $87,069,330 | 5,296 |
| Average equity | $8,931,330 | 5,704 |
| Average total loans | $83,554,670 | 4,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 2,746 |
| Cost of funding earning assets | 1.5686% | 6,165 |
| Net interest margin | 4.3419% | 1,481 |
| Noninterest income to average assets | -0.2006% | 8,164 |
| Noninterest expense to average assets | 2.8900% | 4,190 |
| Loan and lease loss provision to assets | 2.6168% | 432 |
| Net operating income to assets | -1.0074% | 7,258 |
| Return on assets (ROA) | -1.0074% | 7,274 |
| Pretax return on assets | -1.6307% | 7,413 |
| Return on Equity (ROE) | -10.5475% | 7,397 |
| Retained earnings to average equity (ytd only) | -10.5475% | 7,161 |
| Net charge-offs to loans | 0.7176% | 1,752 |
| Credit loss provision to net charge-offs | 403.2895% | 1,291 |
| Earnings coverage of net charge-offs (x) | 1.5197% | 3,969 |
| Efficiency ratio | 74.5595% | 3,722 |
| Assets per employee ($millions) | 4.9400% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 1,762 |
| Loan loss allowance to noncurrent loans | 43.6866% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 4.7912% | 966 |
| Noncurrent loans to loans | 4.2088% | 1,408 |
| Net loans and leases to total assets | 88.1632% | 250 |
| Net loans and leases to deposits | 118.4003% | 326 |
| Net loans and leases to core deposits | 139.4459% | 1,130 |
| Total domestic deposits to total assets | 74.4620% | 6,810 |
| Equity capital to assets | 9.3416% | 4,872 |
| Core capital (leverage) ratio | 8.6905% | 5,170 |
| Tier 1 risk-based capital ratio | 9.5830% | 7,358 |
| Total risk-based capital ratio | 10.8402% | 7,285 |
| Memoranda: | ||
| Average total assets | $93,704,000 | 5,381 |
| Average earning assets | $87,979,000 | 5,289 |
| Average equity | $8,950,000 | 5,718 |
| Average total loans | $84,731,500 | 4,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7826% | 1,744 |
| Cost of funding earning assets | 2.1622% | 5,770 |
| Net interest margin | 4.6204% | 1,125 |
| Noninterest income to average assets | 0.2239% | 6,842 |
| Noninterest expense to average assets | 2.7617% | 5,002 |
| Loan and lease loss provision to assets | 0.3930% | 3,339 |
| Net operating income to assets | 0.8562% | 3,199 |
| Return on assets (ROA) | 0.8562% | 3,040 |
| Pretax return on assets | 1.4039% | 1,965 |
| Return on Equity (ROE) | 8.4757% | 2,856 |
| Retained earnings to average equity (ytd only) | 1.4343% | 4,361 |
| Net charge-offs to loans | 0.0829% | 5,577 |
| Credit loss provision to net charge-offs | 518.8406% | 842 |
| Earnings coverage of net charge-offs (x) | 23.7246% | 1,407 |
| Efficiency ratio | 60.5827% | 6,247 |
| Assets per employee ($millions) | 4.9236% | 2,029 |
| Cash dividends to net income (ytd only)* | 83.0769% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 3,937 |
| Loan loss allowance to noncurrent loans | 53.6453% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 1,374 |
| Noncurrent loans to loans | 2.3837% | 2,305 |
| Net loans and leases to total assets | 89.8726% | 203 |
| Net loans and leases to deposits | 122.6982% | 334 |
| Net loans and leases to core deposits | 136.9306% | 1,438 |
| Total domestic deposits to total assets | 73.2469% | 6,787 |
| Equity capital to assets | 9.7618% | 4,346 |
| Core capital (leverage) ratio | 8.8198% | 5,007 |
| Tier 1 risk-based capital ratio | 9.4210% | 7,394 |
| Total risk-based capital ratio | 10.6513% | 7,333 |
| Memoranda: | ||
| Average total assets | $91,102,800 | 5,315 |
| Average earning assets | $85,468,600 | 5,248 |
| Average equity | $9,202,800 | 5,672 |
| Average total loans | $83,213,800 | 4,419 |