Home > United Legacy Bank > Performance and Condition Ratios
United Legacy Bank, Performance and Condition Ratios
| 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 | 0.1670% | 6,503 |
| Cost of funding earning assets | 0.0186% | 6,469 |
| Net interest margin | 0.1484% | 6,502 |
| Noninterest income to average assets | 0.0097% | 6,376 |
| Noninterest expense to average assets | 0.1290% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0079% | 6,082 |
| Return on assets (ROA) | 0.0079% | 6,104 |
| Pretax return on assets | 0.0145% | 6,077 |
| Return on Equity (ROE) | 0.0740% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.0740% | 5,735 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3558% | 1,365 |
| Assets per employee ($millions) | 6.1383% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 3,485 |
| Noncurrent loans to loans | 0.9210% | 3,014 |
| Net loans and leases to total assets | 66.8324% | 2,753 |
| Net loans and leases to deposits | 77.0790% | 3,073 |
| Net loans and leases to core deposits | 87.6085% | 2,539 |
| Total domestic deposits to total assets | 86.7064% | 2,445 |
| Equity capital to assets | 13.2109% | 1,270 |
| Core capital (leverage) ratio | 8.5995% | 5,447 |
| Tier 1 risk-based capital ratio | 11.3141% | 5,762 |
| Total risk-based capital ratio | 11.3141% | 6,188 |
| Memoranda: | ||
| Average total assets | $227,180,400 | 2,724 |
| Average earning assets | $204,851,400 | 2,755 |
| Average equity | $24,321,400 | 2,728 |
| Average total loans | $149,542,000 | 2,576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,595 |
| Cost of funding earning assets | 0.4434% | 3,332 |
| Net interest margin | 3.5970% | 3,436 |
| Noninterest income to average assets | 0.2160% | 5,640 |
| Noninterest expense to average assets | 2.8157% | 3,402 |
| Loan and lease loss provision to assets | 0.1673% | 1,481 |
| Net operating income to assets | 0.3075% | 5,556 |
| Return on assets (ROA) | 0.3210% | 5,596 |
| Pretax return on assets | 0.5153% | 5,283 |
| Return on Equity (ROE) | 3.1847% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.1847% | 4,365 |
| Net charge-offs to loans | 0.1709% | 2,084 |
| Credit loss provision to net charge-offs | 149.2147% | 1,593 |
| Earnings coverage of net charge-offs (x) | 5.9005% | 3,175 |
| Efficiency ratio | 80.9789% | 1,768 |
| Assets per employee ($millions) | 6.3722% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 3,141 |
| Loan loss allowance to noncurrent loans | 75.5757% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,459 |
| Noncurrent loans to loans | 1.8610% | 1,715 |
| Net loans and leases to total assets | 66.1898% | 2,825 |
| Net loans and leases to deposits | 75.7637% | 3,203 |
| Net loans and leases to core deposits | 84.7102% | 2,810 |
| Total domestic deposits to total assets | 87.3634% | 2,112 |
| Equity capital to assets | 10.3676% | 3,714 |
| Core capital (leverage) ratio | 9.0852% | 4,952 |
| Tier 1 risk-based capital ratio | 11.9169% | 5,543 |
| Total risk-based capital ratio | 13.1567% | 5,471 |
| Memoranda: | ||
| Average total assets | $227,196,500 | 2,741 |
| Average earning assets | $205,983,750 | 2,765 |
| Average equity | $22,900,750 | 2,868 |
| Average total loans | $148,980,750 | 2,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,609 |
| Cost of funding earning assets | 0.4549% | 3,273 |
| Net interest margin | 3.5775% | 3,453 |
| Noninterest income to average assets | 0.2181% | 5,644 |
| Noninterest expense to average assets | 2.8420% | 3,365 |
| Loan and lease loss provision to assets | 0.1501% | 1,642 |
| Net operating income to assets | 0.2923% | 5,592 |
| Return on assets (ROA) | 0.3126% | 5,601 |
| Pretax return on assets | 0.5016% | 5,274 |
| Return on Equity (ROE) | 3.1318% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.1318% | 4,218 |
| Net charge-offs to loans | 0.1656% | 2,068 |
| Credit loss provision to net charge-offs | 139.3443% | 1,528 |
| Earnings coverage of net charge-offs (x) | 5.7541% | 2,875 |
| Efficiency ratio | 82.0918% | 1,730 |
| Assets per employee ($millions) | 6.4867% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 3,311 |
| Loan loss allowance to noncurrent loans | 82.4582% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 2,869 |
| Noncurrent loans to loans | 1.7071% | 2,026 |
| Net loans and leases to total assets | 63.5859% | 3,143 |
| Net loans and leases to deposits | 73.1715% | 3,434 |
| Net loans and leases to core deposits | 81.8236% | 2,993 |
| Total domestic deposits to total assets | 86.8997% | 2,511 |
| Equity capital to assets | 10.0192% | 4,082 |
| Core capital (leverage) ratio | 8.8840% | 5,187 |
| Tier 1 risk-based capital ratio | 11.8525% | 5,623 |
| Total risk-based capital ratio | 13.0794% | 5,561 |
| Memoranda: | ||
| Average total assets | $226,462,670 | 2,761 |
| Average earning assets | $205,340,670 | 2,780 |
| Average equity | $22,606,670 | 2,889 |
| Average total loans | $147,306,330 | 2,621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,554 |
| Cost of funding earning assets | 0.4550% | 3,380 |
| Net interest margin | 3.5769% | 3,354 |
| Noninterest income to average assets | 0.2010% | 5,751 |
| Noninterest expense to average assets | 2.8636% | 3,328 |
| Loan and lease loss provision to assets | 0.1651% | 1,468 |
| Net operating income to assets | 0.2601% | 5,627 |
| Return on assets (ROA) | 0.3014% | 5,532 |
| Pretax return on assets | 0.4809% | 5,224 |
| Return on Equity (ROE) | 3.0255% | 5,449 |
| Retained earnings to average equity (ytd only) | 3.0255% | 4,296 |
| Net charge-offs to loans | 0.3048% | 1,151 |
| Credit loss provision to net charge-offs | 82.8829% | 1,873 |
| Earnings coverage of net charge-offs (x) | 2.9189% | 2,769 |
| Efficiency ratio | 83.1250% | 1,778 |
| Assets per employee ($millions) | 6.3694% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 3,571 |
| Loan loss allowance to noncurrent loans | 76.6903% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 2,922 |
| Noncurrent loans to loans | 1.8331% | 2,096 |
| Net loans and leases to total assets | 62.7931% | 3,107 |
| Net loans and leases to deposits | 72.0944% | 3,326 |
| Net loans and leases to core deposits | 81.9926% | 2,735 |
| Total domestic deposits to total assets | 87.0985% | 2,747 |
| Equity capital to assets | 9.7850% | 4,125 |
| Core capital (leverage) ratio | 9.0504% | 4,936 |
| Tier 1 risk-based capital ratio | 11.8324% | 5,741 |
| Total risk-based capital ratio | 13.0528% | 5,694 |
| Memoranda: | ||
| Average total assets | $222,933,000 | 2,797 |
| Average earning assets | $202,185,500 | 2,829 |
| Average equity | $22,211,500 | 2,924 |
| Average total loans | $145,656,000 | 2,645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 4,159 |
| Cost of funding earning assets | 0.4698% | 3,914 |
| Net interest margin | 3.5085% | 3,861 |
| Noninterest income to average assets | 0.2697% | 5,424 |
| Noninterest expense to average assets | 2.9201% | 3,311 |
| Loan and lease loss provision to assets | 0.1470% | 2,452 |
| Net operating income to assets | 0.2124% | 5,790 |
| Return on assets (ROA) | 0.2124% | 5,850 |
| Pretax return on assets | 0.3647% | 5,571 |
| Return on Equity (ROE) | 1.9954% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.9954% | 4,816 |
| Net charge-offs to loans | 0.3855% | 1,754 |
| Credit loss provision to net charge-offs | 59.0038% | 3,597 |
| Earnings coverage of net charge-offs (x) | 2.0536% | 4,364 |
| Efficiency ratio | 85.0883% | 1,508 |
| Assets per employee ($millions) | 6.0158% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 3,524 |
| Loan loss allowance to noncurrent loans | 72.6763% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 2,786 |
| Noncurrent loans to loans | 1.9625% | 2,030 |
| Net loans and leases to total assets | 66.1241% | 2,676 |
| Net loans and leases to deposits | 77.6109% | 2,776 |
| Net loans and leases to core deposits | 90.4014% | 1,979 |
| Total domestic deposits to total assets | 85.1995% | 3,640 |
| Equity capital to assets | 10.1521% | 3,565 |
| Core capital (leverage) ratio | 9.2348% | 4,665 |
| Tier 1 risk-based capital ratio | 11.8060% | 5,737 |
| Total risk-based capital ratio | 13.0535% | 5,674 |
| Memoranda: | ||
| Average total assets | $209,482,200 | 2,918 |
| Average earning assets | $188,801,200 | 2,966 |
| Average equity | $22,301,000 | 2,892 |
| Average total loans | $135,416,200 | 2,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 4,348 |
| Cost of funding earning assets | 0.4764% | 4,006 |
| Net interest margin | 3.4633% | 4,042 |
| Noninterest income to average assets | 0.2664% | 5,545 |
| Noninterest expense to average assets | 2.9130% | 3,258 |
| Loan and lease loss provision to assets | 0.1277% | 2,693 |
| Net operating income to assets | 0.1971% | 5,920 |
| Return on assets (ROA) | 0.1971% | 5,999 |
| Pretax return on assets | 0.3428% | 5,765 |
| Return on Equity (ROE) | 1.8290% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.8290% | 5,223 |
| Net charge-offs to loans | 0.3540% | 1,779 |
| Credit loss provision to net charge-offs | 56.3739% | 3,369 |
| Earnings coverage of net charge-offs (x) | 2.0765% | 4,142 |
| Efficiency ratio | 86.0937% | 1,355 |
| Assets per employee ($millions) | 6.1050% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,179 |
| Loan loss allowance to noncurrent loans | 83.1189% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 3,144 |
| Noncurrent loans to loans | 1.8783% | 2,401 |
| Net loans and leases to total assets | 62.9114% | 3,182 |
| Net loans and leases to deposits | 73.0695% | 3,389 |
| Net loans and leases to core deposits | 85.8486% | 2,425 |
| Total domestic deposits to total assets | 86.0980% | 3,198 |
| Equity capital to assets | 10.2656% | 3,554 |
| Core capital (leverage) ratio | 9.5747% | 4,288 |
| Tier 1 risk-based capital ratio | 12.2695% | 5,590 |
| Total risk-based capital ratio | 13.5211% | 5,527 |
| Memoranda: | ||
| Average total assets | $207,711,000 | 2,954 |
| Average earning assets | $186,948,000 | 3,022 |
| Average equity | $22,379,750 | 2,914 |
| Average total loans | $132,951,500 | 2,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,666 |
| Cost of funding earning assets | 0.4889% | 3,997 |
| Net interest margin | 3.3566% | 4,354 |
| Noninterest income to average assets | 0.2887% | 5,389 |
| Noninterest expense to average assets | 2.9097% | 3,295 |
| Loan and lease loss provision to assets | 0.1157% | 2,877 |
| Net operating income to assets | 0.1662% | 5,987 |
| Return on assets (ROA) | 0.1662% | 6,103 |
| Pretax return on assets | 0.2936% | 5,893 |
| Return on Equity (ROE) | 1.5181% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.5181% | 5,263 |
| Net charge-offs to loans | 0.4433% | 1,476 |
| Credit loss provision to net charge-offs | 40.7534% | 3,409 |
| Earnings coverage of net charge-offs (x) | 1.4418% | 4,058 |
| Efficiency ratio | 87.6684% | 1,255 |
| Assets per employee ($millions) | 5.7159% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,195 |
| Loan loss allowance to noncurrent loans | 64.7853% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6805% | 2,594 |
| Noncurrent loans to loans | 2.4517% | 1,911 |
| Net loans and leases to total assets | 65.4102% | 2,694 |
| Net loans and leases to deposits | 73.6124% | 3,211 |
| Net loans and leases to core deposits | 85.8388% | 2,349 |
| Total domestic deposits to total assets | 88.8576% | 1,705 |
| Equity capital to assets | 11.0104% | 2,741 |
| Core capital (leverage) ratio | 9.4971% | 4,252 |
| Tier 1 risk-based capital ratio | 12.4015% | 5,571 |
| Total risk-based capital ratio | 13.6532% | 5,517 |
| Memoranda: | ||
| Average total assets | $205,723,000 | 2,993 |
| Average earning assets | $185,723,000 | 3,038 |
| Average equity | $22,528,000 | 2,927 |
| Average total loans | $131,749,330 | 2,848 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,986 |
| Cost of funding earning assets | 0.5029% | 4,054 |
| Net interest margin | 3.2488% | 4,736 |
| Noninterest income to average assets | 0.2570% | 5,619 |
| Noninterest expense to average assets | 2.8347% | 3,585 |
| Loan and lease loss provision to assets | 0.0863% | 3,219 |
| Net operating income to assets | 0.1554% | 6,023 |
| Return on assets (ROA) | 0.1554% | 6,119 |
| Pretax return on assets | 0.2723% | 5,912 |
| Return on Equity (ROE) | 1.4224% | 6,112 |
| Retained earnings to average equity (ytd only) | 1.4224% | 5,271 |
| Net charge-offs to loans | 0.2501% | 1,957 |
| Credit loss provision to net charge-offs | 54.8780% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.2805% | 3,085 |
| Efficiency ratio | 88.7688% | 1,249 |
| Assets per employee ($millions) | 5.9723% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 2,857 |
| Loan loss allowance to noncurrent loans | 52.7810% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.3193% | 2,001 |
| Noncurrent loans to loans | 3.2878% | 1,475 |
| Net loans and leases to total assets | 60.9251% | 3,264 |
| Net loans and leases to deposits | 68.4819% | 3,715 |
| Net loans and leases to core deposits | 78.0043% | 3,062 |
| Total domestic deposits to total assets | 88.9653% | 1,701 |
| Equity capital to assets | 10.9285% | 3,044 |
| Core capital (leverage) ratio | 9.0429% | 4,818 |
| Tier 1 risk-based capital ratio | 11.5059% | 6,184 |
| Total risk-based capital ratio | 12.7577% | 6,153 |
| Memoranda: | ||
| Average total assets | $208,556,500 | 2,992 |
| Average earning assets | $188,500,000 | 3,032 |
| Average equity | $22,778,500 | 2,947 |
| Average total loans | $131,139,500 | 2,878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 5,745 |
| Cost of funding earning assets | 0.6827% | 3,634 |
| Net interest margin | 3.1544% | 5,680 |
| Noninterest income to average assets | 0.2335% | 5,776 |
| Noninterest expense to average assets | 2.9727% | 3,373 |
| Loan and lease loss provision to assets | 0.3632% | 1,821 |
| Net operating income to assets | -0.1003% | 6,285 |
| Return on assets (ROA) | 0.3050% | 5,659 |
| Pretax return on assets | 0.1615% | 6,047 |
| Return on Equity (ROE) | 2.7647% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.7647% | 4,293 |
| Net charge-offs to loans | 1.0069% | 1,080 |
| Credit loss provision to net charge-offs | 59.4075% | 4,464 |
| Earnings coverage of net charge-offs (x) | 0.1954% | 5,379 |
| Efficiency ratio | 96.1374% | 702 |
| Assets per employee ($millions) | 5.9452% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 2,846 |
| Loan loss allowance to noncurrent loans | 61.9680% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.9915% | 2,463 |
| Noncurrent loans to loans | 2.7804% | 1,898 |
| Net loans and leases to total assets | 62.6636% | 3,132 |
| Net loans and leases to deposits | 70.4009% | 3,653 |
| Net loans and leases to core deposits | 80.1868% | 2,977 |
| Total domestic deposits to total assets | 89.0096% | 1,557 |
| Equity capital to assets | 10.9155% | 3,051 |
| Core capital (leverage) ratio | 8.9695% | 4,951 |
| Tier 1 risk-based capital ratio | 11.2836% | 6,224 |
| Total risk-based capital ratio | 12.5358% | 6,189 |
| Memoranda: | ||
| Average total assets | $204,293,600 | 2,994 |
| Average earning assets | $185,136,000 | 3,028 |
| Average equity | $22,533,800 | 2,910 |
| Average total loans | $124,041,400 | 3,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 5,954 |
| Cost of funding earning assets | 0.7191% | 3,603 |
| Net interest margin | 3.1078% | 5,925 |
| Noninterest income to average assets | 0.1947% | 6,135 |
| Noninterest expense to average assets | 2.9964% | 3,247 |
| Loan and lease loss provision to assets | 0.3403% | 1,924 |
| Net operating income to assets | -0.2111% | 6,509 |
| Return on assets (ROA) | 0.2800% | 5,879 |
| Pretax return on assets | 0.1685% | 6,174 |
| Return on Equity (ROE) | 2.5315% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.5315% | 5,049 |
| Net charge-offs to loans | 1.0699% | 971 |
| Credit loss provision to net charge-offs | 53.0675% | 4,324 |
| Earnings coverage of net charge-offs (x) | 0.0276% | 5,317 |
| Efficiency ratio | 99.4127% | 557 |
| Assets per employee ($millions) | 6.0782% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,560 |
| Loan loss allowance to noncurrent loans | 64.9958% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 2,558 |
| Noncurrent loans to loans | 2.8850% | 1,943 |
| Net loans and leases to total assets | 59.1014% | 3,948 |
| Net loans and leases to deposits | 66.5035% | 4,408 |
| Net loans and leases to core deposits | 74.8772% | 3,866 |
| Total domestic deposits to total assets | 88.8696% | 1,501 |
| Equity capital to assets | 11.0379% | 3,224 |
| Core capital (leverage) ratio | 9.2809% | 4,619 |
| Tier 1 risk-based capital ratio | 12.0140% | 5,927 |
| Total risk-based capital ratio | 13.2675% | 5,915 |
| Memoranda: | ||
| Average total assets | $203,346,750 | 3,035 |
| Average earning assets | $184,474,750 | 3,061 |
| Average equity | $22,489,000 | 2,942 |
| Average total loans | $121,882,500 | 3,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 6,108 |
| Cost of funding earning assets | 0.7748% | 3,404 |
| Net interest margin | 3.0383% | 6,151 |
| Noninterest income to average assets | 0.1572% | 6,403 |
| Noninterest expense to average assets | 2.9796% | 3,336 |
| Loan and lease loss provision to assets | 0.2364% | 2,708 |
| Net operating income to assets | -0.2116% | 6,558 |
| Return on assets (ROA) | 0.1721% | 6,170 |
| Pretax return on assets | 0.0821% | 6,353 |
| Return on Equity (ROE) | 1.5548% | 6,179 |
| Retained earnings to average equity (ytd only) | 1.5548% | 5,428 |
| Net charge-offs to loans | 0.8412% | 1,317 |
| Credit loss provision to net charge-offs | 46.9548% | 4,103 |
| Earnings coverage of net charge-offs (x) | -0.1297% | 5,138 |
| Efficiency ratio | 102.2396% | 489 |
| Assets per employee ($millions) | 5.6474% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 2,173 |
| Loan loss allowance to noncurrent loans | 54.1300% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.5198% | 2,222 |
| Noncurrent loans to loans | 3.7345% | 1,513 |
| Net loans and leases to total assets | 60.1477% | 3,788 |
| Net loans and leases to deposits | 67.7674% | 4,242 |
| Net loans and leases to core deposits | 75.2616% | 3,843 |
| Total domestic deposits to total assets | 88.7560% | 1,669 |
| Equity capital to assets | 11.1461% | 2,965 |
| Core capital (leverage) ratio | 9.1150% | 4,742 |
| Tier 1 risk-based capital ratio | 12.0550% | 5,891 |
| Total risk-based capital ratio | 13.3103% | 5,868 |
| Memoranda: | ||
| Average total assets | $202,242,330 | 3,060 |
| Average earning assets | $183,523,000 | 3,079 |
| Average equity | $22,381,670 | 2,938 |
| Average total loans | $121,019,000 | 3,113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 6,342 |
| Cost of funding earning assets | 0.8460% | 3,097 |
| Net interest margin | 2.9066% | 6,477 |
| Noninterest income to average assets | 0.0992% | 6,752 |
| Noninterest expense to average assets | 2.9825% | 3,322 |
| Loan and lease loss provision to assets | 0.2281% | 2,666 |
| Net operating income to assets | -0.3322% | 6,725 |
| Return on assets (ROA) | 0.0079% | 6,507 |
| Pretax return on assets | 0.0635% | 6,435 |
| Return on Equity (ROE) | 0.0719% | 6,512 |
| Retained earnings to average equity (ytd only) | 0.0719% | 5,954 |
| Net charge-offs to loans | 0.1981% | 2,933 |
| Credit loss provision to net charge-offs | 194.9153% | 1,366 |
| Earnings coverage of net charge-offs (x) | -2.0508% | 4,615 |
| Efficiency ratio | 108.7491% | 359 |
| Assets per employee ($millions) | 5.9496% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 1,614 |
| Loan loss allowance to noncurrent loans | 57.9536% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.6806% | 2,203 |
| Noncurrent loans to loans | 4.0323% | 1,512 |
| Net loans and leases to total assets | 57.1781% | 4,190 |
| Net loans and leases to deposits | 64.0298% | 4,633 |
| Net loans and leases to core deposits | 71.1785% | 4,265 |
| Total domestic deposits to total assets | 89.2992% | 1,479 |
| Equity capital to assets | 10.6288% | 3,349 |
| Core capital (leverage) ratio | 8.9350% | 4,934 |
| Tier 1 risk-based capital ratio | 12.7977% | 5,365 |
| Total risk-based capital ratio | 14.0571% | 5,331 |
| Memoranda: | ||
| Average total assets | $201,709,500 | 3,090 |
| Average earning assets | $183,447,500 | 3,103 |
| Average equity | $22,242,000 | 2,952 |
| Average total loans | $119,124,500 | 3,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 6,391 |
| Cost of funding earning assets | 1.1449% | 2,380 |
| Net interest margin | 2.8905% | 6,707 |
| Noninterest income to average assets | 0.1906% | 6,141 |
| Noninterest expense to average assets | 3.1082% | 3,167 |
| Loan and lease loss provision to assets | 0.0496% | 5,967 |
| Net operating income to assets | -0.2860% | 6,333 |
| Return on assets (ROA) | -0.1431% | 6,273 |
| Pretax return on assets | -0.1781% | 6,271 |
| Return on Equity (ROE) | -1.3344% | 6,279 |
| Retained earnings to average equity (ytd only) | -1.3344% | 6,063 |
| Net charge-offs to loans | 1.1714% | 1,443 |
| Credit loss provision to net charge-offs | 7.2853% | 6,028 |
| Earnings coverage of net charge-offs (x) | -0.4509% | 6,061 |
| Efficiency ratio | 110.9620% | 419 |
| Assets per employee ($millions) | 5.5766% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,458 |
| Loan loss allowance to noncurrent loans | 60.9160% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.8696% | 2,100 |
| Noncurrent loans to loans | 3.9412% | 1,591 |
| Net loans and leases to total assets | 58.1719% | 4,343 |
| Net loans and leases to deposits | 65.7656% | 4,772 |
| Net loans and leases to core deposits | 72.1225% | 4,510 |
| Total domestic deposits to total assets | 88.4533% | 1,878 |
| Equity capital to assets | 11.4514% | 2,545 |
| Core capital (leverage) ratio | 9.5844% | 3,901 |
| Tier 1 risk-based capital ratio | 13.4626% | 4,723 |
| Total risk-based capital ratio | 14.7226% | 4,679 |
| Memoranda: | ||
| Average total assets | $191,495,200 | 3,166 |
| Average earning assets | $172,946,400 | 3,188 |
| Average equity | $20,533,000 | 3,061 |
| Average total loans | $111,318,800 | 3,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 6,420 |
| Cost of funding earning assets | 1.2140% | 2,235 |
| Net interest margin | 2.8831% | 6,776 |
| Noninterest income to average assets | 0.1910% | 6,225 |
| Noninterest expense to average assets | 3.2169% | 2,778 |
| Loan and lease loss provision to assets | 0.0406% | 5,931 |
| Net operating income to assets | -0.3570% | 6,548 |
| Return on assets (ROA) | -0.1728% | 6,432 |
| Pretax return on assets | -0.2253% | 6,433 |
| Return on Equity (ROE) | -1.6402% | 6,445 |
| Retained earnings to average equity (ytd only) | -1.6402% | 6,254 |
| Net charge-offs to loans | 1.0454% | 1,524 |
| Credit loss provision to net charge-offs | 6.7207% | 5,688 |
| Earnings coverage of net charge-offs (x) | -0.7022% | 5,880 |
| Efficiency ratio | 115.1804% | 357 |
| Assets per employee ($millions) | 5.1871% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8184% | 1,017 |
| Loan loss allowance to noncurrent loans | 69.8035% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 3.1493% | 2,029 |
| Noncurrent loans to loans | 4.0377% | 1,642 |
| Net loans and leases to total assets | 59.0322% | 4,314 |
| Net loans and leases to deposits | 67.1972% | 4,737 |
| Net loans and leases to core deposits | 72.2729% | 4,677 |
| Total domestic deposits to total assets | 87.8492% | 2,131 |
| Equity capital to assets | 12.0308% | 2,225 |
| Core capital (leverage) ratio | 9.7622% | 3,751 |
| Tier 1 risk-based capital ratio | 13.9379% | 4,398 |
| Total risk-based capital ratio | 15.2026% | 4,358 |
| Memoranda: | ||
| Average total assets | $190,573,500 | 3,196 |
| Average earning assets | $171,985,750 | 3,218 |
| Average equity | $20,078,500 | 3,130 |
| Average total loans | $110,065,000 | 3,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 6,561 |
| Cost of funding earning assets | 1.3081% | 1,887 |
| Net interest margin | 2.7502% | 6,974 |
| Noninterest income to average assets | 0.1647% | 6,476 |
| Noninterest expense to average assets | 3.1722% | 2,995 |
| Loan and lease loss provision to assets | 0.0208% | 6,027 |
| Net operating income to assets | -0.3811% | 6,600 |
| Return on assets (ROA) | -0.3096% | 6,590 |
| Pretax return on assets | -0.4451% | 6,621 |
| Return on Equity (ROE) | -3.0805% | 6,596 |
| Retained earnings to average equity (ytd only) | -3.0805% | 6,382 |
| Net charge-offs to loans | 0.8353% | 1,835 |
| Credit loss provision to net charge-offs | 4.3956% | 5,296 |
| Earnings coverage of net charge-offs (x) | -1.1099% | 5,651 |
| Efficiency ratio | 119.8976% | 344 |
| Assets per employee ($millions) | 4.9572% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2123% | 754 |
| Loan loss allowance to noncurrent loans | 80.7745% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 2,281 |
| Noncurrent loans to loans | 3.9768% | 1,747 |
| Net loans and leases to total assets | 55.5917% | 5,052 |
| Net loans and leases to deposits | 62.5646% | 5,437 |
| Net loans and leases to core deposits | 67.2313% | 5,366 |
| Total domestic deposits to total assets | 88.8549% | 1,630 |
| Equity capital to assets | 11.0013% | 2,948 |
| Core capital (leverage) ratio | 8.6163% | 5,371 |
| Tier 1 risk-based capital ratio | 12.3610% | 5,463 |
| Total risk-based capital ratio | 13.6279% | 5,432 |
| Memoranda: | ||
| Average total assets | $191,852,330 | 3,199 |
| Average earning assets | $173,078,330 | 3,222 |
| Average equity | $19,282,670 | 3,231 |
| Average total loans | $108,942,670 | 3,483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 6,775 |
| Cost of funding earning assets | 1.3720% | 1,759 |
| Net interest margin | 2.5725% | 7,147 |
| Noninterest income to average assets | 0.1967% | 6,314 |
| Noninterest expense to average assets | 3.0558% | 3,437 |
| Loan and lease loss provision to assets | 0.0419% | 5,463 |
| Net operating income to assets | -0.3914% | 6,735 |
| Return on assets (ROA) | -0.3914% | 6,741 |
| Pretax return on assets | -0.5777% | 6,803 |
| Return on Equity (ROE) | -4.0898% | 6,747 |
| Retained earnings to average equity (ytd only) | -4.0898% | 6,426 |
| Net charge-offs to loans | 0.0890% | 4,060 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | -10.6667% | 5,057 |
| Efficiency ratio | 121.2625% | 329 |
| Assets per employee ($millions) | 4.8591% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6868% | 529 |
| Loan loss allowance to noncurrent loans | 80.4912% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 2,393 |
| Noncurrent loans to loans | 4.5803% | 1,515 |
| Net loans and leases to total assets | 52.4257% | 5,523 |
| Net loans and leases to deposits | 59.0917% | 5,814 |
| Net loans and leases to core deposits | 63.7670% | 5,753 |
| Total domestic deposits to total assets | 88.7192% | 1,945 |
| Equity capital to assets | 9.1867% | 4,891 |
| Core capital (leverage) ratio | 8.1602% | 6,033 |
| Tier 1 risk-based capital ratio | 11.3899% | 6,183 |
| Total risk-based capital ratio | 12.6638% | 6,157 |
| Memoranda: | ||
| Average total assets | $191,113,000 | 3,234 |
| Average earning assets | $172,597,500 | 3,263 |
| Average equity | $18,289,500 | 3,357 |
| Average total loans | $107,892,500 | 3,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 7,331 |
| Cost of funding earning assets | 1.9322% | 760 |
| Net interest margin | 1.7061% | 7,520 |
| Noninterest income to average assets | 0.2460% | 6,036 |
| Noninterest expense to average assets | 4.6898% | 552 |
| Loan and lease loss provision to assets | 3.7154% | 190 |
| Net operating income to assets | -4.1909% | 7,462 |
| Return on assets (ROA) | -4.0754% | 7,457 |
| Pretax return on assets | -6.4372% | 7,597 |
| Return on Equity (ROE) | -38.7700% | 7,335 |
| Retained earnings to average equity (ytd only) | -38.7700% | 7,328 |
| Net charge-offs to loans | 4.1711% | 289 |
| Credit loss provision to net charge-offs | 170.5959% | 1,984 |
| Earnings coverage of net charge-offs (x) | -1.3326% | 6,656 |
| Efficiency ratio | 262.3737% | 43 |
| Assets per employee ($millions) | 4.5751% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7282% | 508 |
| Loan loss allowance to noncurrent loans | 85.4946% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 2.9841% | 2,356 |
| Noncurrent loans to loans | 4.3608% | 1,651 |
| Net loans and leases to total assets | 56.4696% | 5,261 |
| Net loans and leases to deposits | 62.8480% | 5,763 |
| Net loans and leases to core deposits | 68.3142% | 5,634 |
| Total domestic deposits to total assets | 89.8510% | 1,188 |
| Equity capital to assets | 9.9873% | 3,752 |
| Core capital (leverage) ratio | 7.5187% | 6,691 |
| Tier 1 risk-based capital ratio | 11.6900% | 5,736 |
| Total risk-based capital ratio | 12.7653% | 5,905 |
| Memoranda: | ||
| Average total assets | $177,235,400 | 3,418 |
| Average earning assets | $160,131,800 | 3,449 |
| Average equity | $18,630,400 | 3,328 |
| Average total loans | $92,541,400 | 3,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 7,537 |
| Cost of funding earning assets | 1.9261% | 947 |
| Net interest margin | 1.5524% | 7,667 |
| Noninterest income to average assets | 0.2708% | 5,951 |
| Noninterest expense to average assets | 3.2507% | 2,735 |
| Loan and lease loss provision to assets | 3.9872% | 164 |
| Net operating income to assets | -3.5327% | 7,524 |
| Return on assets (ROA) | -3.3774% | 7,515 |
| Pretax return on assets | -5.3190% | 7,662 |
| Return on Equity (ROE) | -31.7178% | 7,410 |
| Retained earnings to average equity (ytd only) | -31.7178% | 7,404 |
| Net charge-offs to loans | 3.8165% | 333 |
| Credit loss provision to net charge-offs | 206.7243% | 1,713 |
| Earnings coverage of net charge-offs (x) | -0.8164% | 6,419 |
| Efficiency ratio | 193.9367% | 94 |
| Assets per employee ($millions) | 4.9496% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9399% | 389 |
| Loan loss allowance to noncurrent loans | 96.6812% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 2.7578% | 2,624 |
| Noncurrent loans to loans | 4.0752% | 1,828 |
| Net loans and leases to total assets | 49.1484% | 6,416 |
| Net loans and leases to deposits | 61.6893% | 6,148 |
| Net loans and leases to core deposits | 67.0385% | 6,031 |
| Total domestic deposits to total assets | 79.6709% | 5,816 |
| Equity capital to assets | 10.5126% | 3,495 |
| Core capital (leverage) ratio | 9.6753% | 3,657 |
| Tier 1 risk-based capital ratio | 14.9141% | 3,296 |
| Total risk-based capital ratio | 15.9454% | 3,374 |
| Memoranda: | ||
| Average total assets | $175,793,500 | 3,486 |
| Average earning assets | $159,142,750 | 3,513 |
| Average equity | $18,718,750 | 3,354 |
| Average total loans | $88,841,000 | 4,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 7,608 |
| Cost of funding earning assets | 1.9745% | 971 |
| Net interest margin | 1.5236% | 7,739 |
| Noninterest income to average assets | 0.2827% | 5,881 |
| Noninterest expense to average assets | 3.2328% | 2,792 |
| Loan and lease loss provision to assets | 2.7103% | 393 |
| Net operating income to assets | -2.7554% | 7,469 |
| Return on assets (ROA) | -2.6604% | 7,460 |
| Pretax return on assets | -4.1355% | 7,621 |
| Return on Equity (ROE) | -24.8603% | 7,370 |
| Retained earnings to average equity (ytd only) | -24.8603% | 7,355 |
| Net charge-offs to loans | 5.1931% | 189 |
| Credit loss provision to net charge-offs | 103.7744% | 3,930 |
| Earnings coverage of net charge-offs (x) | -0.6025% | 6,046 |
| Efficiency ratio | 194.8461% | 107 |
| Assets per employee ($millions) | 4.7443% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,134 |
| Loan loss allowance to noncurrent loans | 38.7023% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4944% | 2,886 |
| Noncurrent loans to loans | 3.7690% | 2,056 |
| Net loans and leases to total assets | 47.2323% | 6,685 |
| Net loans and leases to deposits | 61.7549% | 6,254 |
| Net loans and leases to core deposits | 66.7010% | 6,190 |
| Total domestic deposits to total assets | 76.4836% | 6,604 |
| Equity capital to assets | 11.9862% | 2,103 |
| Core capital (leverage) ratio | 11.9054% | 1,703 |
| Tier 1 risk-based capital ratio | 19.8076% | 1,543 |
| Total risk-based capital ratio | 20.8589% | 1,557 |
| Memoranda: | ||
| Average total assets | $168,397,330 | 3,630 |
| Average earning assets | $152,141,330 | 3,667 |
| Average equity | $18,020,670 | 3,464 |
| Average total loans | $84,689,330 | 4,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 7,674 |
| Cost of funding earning assets | 1.9793% | 1,160 |
| Net interest margin | 1.6305% | 7,810 |
| Noninterest income to average assets | 0.3554% | 5,295 |
| Noninterest expense to average assets | 3.2626% | 2,665 |
| Loan and lease loss provision to assets | 2.7681% | 372 |
| Net operating income to assets | -2.7760% | 7,603 |
| Return on assets (ROA) | -2.7063% | 7,595 |
| Pretax return on assets | -4.0891% | 7,696 |
| Return on Equity (ROE) | -27.3458% | 7,533 |
| Retained earnings to average equity (ytd only) | -27.3458% | 7,496 |
| Net charge-offs to loans | 5.3471% | 218 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | -0.5153% | 5,284 |
| Efficiency ratio | 177.6999% | 126 |
| Assets per employee ($millions) | 4.1954% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 3,428 |
| Loan loss allowance to noncurrent loans | 39.0400% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 2.9085% | 2,464 |
| Noncurrent loans to loans | 4.1072% | 1,888 |
| Net loans and leases to total assets | 45.5576% | 6,866 |
| Net loans and leases to deposits | 60.5679% | 6,408 |
| Net loans and leases to core deposits | 63.9905% | 6,454 |
| Total domestic deposits to total assets | 75.2173% | 6,874 |
| Equity capital to assets | 14.1369% | 1,103 |
| Core capital (leverage) ratio | 15.3350% | 681 |
| Tier 1 risk-based capital ratio | 25.8315% | 788 |
| Total risk-based capital ratio | 26.9094% | 785 |
| Memoranda: | ||
| Average total assets | $155,338,500 | 3,921 |
| Average earning assets | $141,057,500 | 3,939 |
| Average equity | $15,373,500 | 3,949 |
| Average total loans | $80,417,000 | 4,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 7,146 |
| Cost of funding earning assets | 2.8847% | 326 |
| Net interest margin | 1.8087% | 7,802 |
| Noninterest income to average assets | 0.2113% | 6,595 |
| Noninterest expense to average assets | 3.6259% | 2,090 |
| Loan and lease loss provision to assets | 0.6396% | 3,241 |
| Net operating income to assets | -2.4068% | 7,236 |
| Return on assets (ROA) | -2.2260% | 7,175 |
| Pretax return on assets | -2.2260% | 7,033 |
| Return on Equity (ROE) | -38.5987% | 7,549 |
| Retained earnings to average equity (ytd only) | -38.5987% | 7,535 |
| Net charge-offs to loans | 1.0081% | 2,398 |
| Credit loss provision to net charge-offs | 102.2676% | 5,408 |
| Earnings coverage of net charge-offs (x) | -2.8254% | 7,042 |
| Efficiency ratio | 195.0782% | 152 |
| Assets per employee ($millions) | 4.6222% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,388 |
| Loan loss allowance to noncurrent loans | 28.1836% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 4.6947% | 1,354 |
| Noncurrent loans to loans | 5.5805% | 1,150 |
| Net loans and leases to total assets | 57.6320% | 5,723 |
| Net loans and leases to deposits | 70.1442% | 5,589 |
| Net loans and leases to core deposits | 84.9547% | 5,623 |
| Total domestic deposits to total assets | 82.1622% | 4,880 |
| Equity capital to assets | 4.6370% | 7,813 |
| Core capital (leverage) ratio | 4.4972% | 7,808 |
| Tier 1 risk-based capital ratio | 7.0230% | 7,743 |
| Total risk-based capital ratio | 8.2780% | 7,749 |
| Memoranda: | ||
| Average total assets | $141,014,800 | 4,105 |
| Average earning assets | $128,434,800 | 4,123 |
| Average equity | $8,132,400 | 5,876 |
| Average total loans | $87,493,600 | 4,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 7,091 |
| Cost of funding earning assets | 3.0366% | 296 |
| Net interest margin | 1.7782% | 7,889 |
| Noninterest income to average assets | 0.1714% | 6,985 |
| Noninterest expense to average assets | 3.2645% | 3,056 |
| Loan and lease loss provision to assets | 0.7665% | 2,455 |
| Net operating income to assets | -2.2363% | 7,390 |
| Return on assets (ROA) | -1.9962% | 7,318 |
| Pretax return on assets | -1.9962% | 7,182 |
| Return on Equity (ROE) | -33.0287% | 7,664 |
| Retained earnings to average equity (ytd only) | -33.0287% | 7,656 |
| Net charge-offs to loans | 1.1197% | 1,790 |
| Credit loss provision to net charge-offs | 108.8235% | 4,669 |
| Earnings coverage of net charge-offs (x) | -2.0869% | 6,753 |
| Efficiency ratio | 181.8993% | 195 |
| Assets per employee ($millions) | 4.7751% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,163 |
| Loan loss allowance to noncurrent loans | 48.5861% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.3865% | 1,978 |
| Noncurrent loans to loans | 3.2066% | 2,359 |
| Net loans and leases to total assets | 56.4720% | 6,093 |
| Net loans and leases to deposits | 68.4492% | 6,093 |
| Net loans and leases to core deposits | 97.0207% | 4,701 |
| Total domestic deposits to total assets | 82.5021% | 4,451 |
| Equity capital to assets | 5.0510% | 7,946 |
| Core capital (leverage) ratio | 5.1237% | 7,913 |
| Tier 1 risk-based capital ratio | 7.9014% | 7,808 |
| Total risk-based capital ratio | 9.1539% | 7,819 |
| Memoranda: | ||
| Average total assets | $141,602,000 | 4,105 |
| Average earning assets | $129,263,500 | 4,121 |
| Average equity | $8,558,000 | 5,799 |
| Average total loans | $89,068,750 | 4,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 6,064 |
| Cost of funding earning assets | 3.2005% | 266 |
| Net interest margin | 2.0039% | 7,862 |
| Noninterest income to average assets | 0.6468% | 3,368 |
| Noninterest expense to average assets | 3.0876% | 3,750 |
| Loan and lease loss provision to assets | 0.4718% | 3,166 |
| Net operating income to assets | -1.0899% | 7,047 |
| Return on assets (ROA) | -1.0899% | 7,046 |
| Pretax return on assets | -1.0899% | 6,876 |
| Return on Equity (ROE) | -17.0435% | 7,421 |
| Retained earnings to average equity (ytd only) | -17.0435% | 7,345 |
| Net charge-offs to loans | 1.1520% | 1,583 |
| Credit loss provision to net charge-offs | 63.1478% | 5,539 |
| Earnings coverage of net charge-offs (x) | -0.8273% | 6,187 |
| Efficiency ratio | 125.0290% | 586 |
| Assets per employee ($millions) | 4.2826% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 4,911 |
| Loan loss allowance to noncurrent loans | 40.7890% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7858% | 2,310 |
| Noncurrent loans to loans | 2.9501% | 2,442 |
| Net loans and leases to total assets | 61.8711% | 5,380 |
| Net loans and leases to deposits | 76.6540% | 5,071 |
| Net loans and leases to core deposits | 110.7649% | 3,294 |
| Total domestic deposits to total assets | 80.7148% | 5,185 |
| Equity capital to assets | 6.0038% | 7,930 |
| Core capital (leverage) ratio | 6.1553% | 7,889 |
| Tier 1 risk-based capital ratio | 8.8856% | 7,751 |
| Total risk-based capital ratio | 9.9736% | 7,853 |
| Memoranda: | ||
| Average total assets | $139,459,670 | 4,182 |
| Average earning assets | $126,855,330 | 4,210 |
| Average equity | $8,918,330 | 5,709 |
| Average total loans | $90,452,330 | 4,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 6,164 |
| Cost of funding earning assets | 3.2101% | 331 |
| Net interest margin | 2.0294% | 7,883 |
| Noninterest income to average assets | 0.7017% | 2,883 |
| Noninterest expense to average assets | 2.8269% | 4,438 |
| Loan and lease loss provision to assets | 0.4938% | 2,503 |
| Net operating income to assets | -0.7479% | 7,094 |
| Return on assets (ROA) | -0.7479% | 7,126 |
| Pretax return on assets | -0.7479% | 6,999 |
| Return on Equity (ROE) | -11.3410% | 7,443 |
| Retained earnings to average equity (ytd only) | -11.3410% | 7,228 |
| Net charge-offs to loans | 1.6363% | 886 |
| Credit loss provision to net charge-offs | 45.7219% | 4,742 |
| Earnings coverage of net charge-offs (x) | -0.2353% | 5,156 |
| Efficiency ratio | 109.8765% | 814 |
| Assets per employee ($millions) | 4.5575% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 5,059 |
| Loan loss allowance to noncurrent loans | 59.9545% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.0292% | 2,847 |
| Noncurrent loans to loans | 1.9339% | 3,364 |
| Net loans and leases to total assets | 63.5946% | 5,054 |
| Net loans and leases to deposits | 79.4133% | 4,700 |
| Net loans and leases to core deposits | 123.0656% | 2,160 |
| Total domestic deposits to total assets | 80.0805% | 5,339 |
| Equity capital to assets | 6.3765% | 7,911 |
| Core capital (leverage) ratio | 6.4867% | 7,885 |
| Tier 1 risk-based capital ratio | 9.3722% | 7,528 |
| Total risk-based capital ratio | 10.4474% | 7,665 |
| Memoranda: | ||
| Average total assets | $138,526,500 | 4,219 |
| Average earning assets | $127,721,500 | 4,200 |
| Average equity | $9,135,000 | 5,647 |
| Average total loans | $91,426,000 | 4,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3211% | 3,852 |
| Cost of funding earning assets | 3.4147% | 683 |
| Net interest margin | 2.9063% | 7,141 |
| Noninterest income to average assets | 0.4466% | 5,064 |
| Noninterest expense to average assets | 3.0666% | 3,835 |
| Loan and lease loss provision to assets | 0.5787% | 2,508 |
| Net operating income to assets | -0.5758% | 6,984 |
| Return on assets (ROA) | -0.5342% | 6,826 |
| Pretax return on assets | -0.5342% | 6,679 |
| Return on Equity (ROE) | -7.5424% | 7,096 |
| Retained earnings to average equity (ytd only) | -7.5424% | 6,839 |
| Net charge-offs to loans | 0.3298% | 3,197 |
| Credit loss provision to net charge-offs | 275.0853% | 1,664 |
| Earnings coverage of net charge-offs (x) | 0.0137% | 6,236 |
| Efficiency ratio | 99.9064% | 989 |
| Assets per employee ($millions) | 3.9932% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 3,378 |
| Loan loss allowance to noncurrent loans | 48.4580% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.0763% | 2,371 |
| Noncurrent loans to loans | 2.8211% | 1,921 |
| Net loans and leases to total assets | 66.7988% | 4,682 |
| Net loans and leases to deposits | 85.6401% | 4,167 |
| Net loans and leases to core deposits | 107.5480% | 4,018 |
| Total domestic deposits to total assets | 77.9994% | 5,711 |
| Equity capital to assets | 6.8211% | 7,817 |
| Core capital (leverage) ratio | 6.9788% | 7,713 |
| Tier 1 risk-based capital ratio | 9.0920% | 7,725 |
| Total risk-based capital ratio | 10.3007% | 7,726 |
| Memoranda: | ||
| Average total assets | $139,276,400 | 4,097 |
| Average earning assets | $125,690,400 | 4,137 |
| Average equity | $9,864,200 | 5,449 |
| Average total loans | $88,831,200 | 4,261 |