Home > Bank of Atlanta > Performance and Condition Ratios
Bank of Atlanta, Performance and Condition Ratios
| 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 | 4.0105% | 3,718 |
| Cost of funding earning assets | 0.4817% | 2,943 |
| Net interest margin | 3.5288% | 3,720 |
| Noninterest income to average assets | 1.0017% | 1,223 |
| Noninterest expense to average assets | 3.8788% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4072% | 5,218 |
| Return on assets (ROA) | 0.4615% | 5,104 |
| Pretax return on assets | 0.4615% | 5,429 |
| Return on Equity (ROE) | 3.4923% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.4923% | 4,149 |
| Net charge-offs to loans | 0.4011% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5811% | 4,120 |
| Efficiency ratio | 90.4986% | 808 |
| Assets per employee ($millions) | 5.4736% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 1,982 |
| Loan loss allowance to noncurrent loans | 52.1781% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.7984% | 540 |
| Noncurrent loans to loans | 3.2518% | 773 |
| Net loans and leases to total assets | 66.7466% | 2,733 |
| Net loans and leases to deposits | 83.6693% | 2,197 |
| Net loans and leases to core deposits | 86.4498% | 2,619 |
| Total domestic deposits to total assets | 79.7742% | 5,150 |
| Equity capital to assets | 13.7853% | 1,076 |
| Core capital (leverage) ratio | 11.6164% | 1,968 |
| Tier 1 risk-based capital ratio | 16.4358% | 2,841 |
| Total risk-based capital ratio | 17.6908% | 2,790 |
| Memoranda: | ||
| Average total assets | $191,534,500 | 3,115 |
| Average earning assets | $178,263,000 | 3,090 |
| Average equity | $25,312,250 | 2,639 |
| Average total loans | $122,989,250 | 3,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,620 |
| Cost of funding earning assets | 0.4837% | 2,990 |
| Net interest margin | 3.5448% | 3,595 |
| Noninterest income to average assets | 0.8668% | 1,600 |
| Noninterest expense to average assets | 3.7715% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3931% | 5,250 |
| Return on assets (ROA) | 0.4738% | 4,988 |
| Pretax return on assets | 0.4738% | 5,350 |
| Return on Equity (ROE) | 3.6352% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.6352% | 3,875 |
| Net charge-offs to loans | 0.6122% | 655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.0188% | 3,907 |
| Efficiency ratio | 90.5614% | 874 |
| Assets per employee ($millions) | 5.5789% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 1,944 |
| Loan loss allowance to noncurrent loans | 51.4540% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 3.7104% | 609 |
| Noncurrent loans to loans | 3.4274% | 787 |
| Net loans and leases to total assets | 61.0784% | 3,552 |
| Net loans and leases to deposits | 75.9835% | 3,060 |
| Net loans and leases to core deposits | 78.4161% | 3,387 |
| Total domestic deposits to total assets | 80.3838% | 5,161 |
| Equity capital to assets | 13.1085% | 1,314 |
| Core capital (leverage) ratio | 10.9925% | 2,437 |
| Tier 1 risk-based capital ratio | 16.6645% | 2,757 |
| Total risk-based capital ratio | 17.9202% | 2,718 |
| Memoranda: | ||
| Average total assets | $193,344,670 | 3,109 |
| Average earning assets | $179,868,000 | 3,083 |
| Average equity | $25,198,000 | 2,637 |
| Average total loans | $121,865,000 | 3,029 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,042 |
| Cost of funding earning assets | 0.4742% | 3,183 |
| Net interest margin | 3.4359% | 3,956 |
| Noninterest income to average assets | 0.7173% | 2,096 |
| Noninterest expense to average assets | 3.5595% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3514% | 5,306 |
| Return on assets (ROA) | 0.5136% | 4,697 |
| Pretax return on assets | 0.5136% | 5,127 |
| Return on Equity (ROE) | 3.9522% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.9522% | 3,741 |
| Net charge-offs to loans | 1.3006% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 3,351 |
| Efficiency ratio | 91.0154% | 953 |
| Assets per employee ($millions) | 5.5087% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,285 |
| Loan loss allowance to noncurrent loans | 46.8674% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 4.1086% | 562 |
| Noncurrent loans to loans | 3.6700% | 772 |
| Net loans and leases to total assets | 60.9947% | 3,395 |
| Net loans and leases to deposits | 75.0458% | 2,936 |
| Net loans and leases to core deposits | 77.8400% | 3,219 |
| Total domestic deposits to total assets | 81.2767% | 5,158 |
| Equity capital to assets | 12.6940% | 1,461 |
| Core capital (leverage) ratio | 10.5082% | 2,920 |
| Tier 1 risk-based capital ratio | 16.1697% | 3,073 |
| Total risk-based capital ratio | 17.4254% | 3,033 |
| Memoranda: | ||
| Average total assets | $192,386,000 | 3,132 |
| Average earning assets | $178,817,000 | 3,115 |
| Average equity | $24,999,000 | 2,646 |
| Average total loans | $122,095,500 | 3,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 4,241 |
| Cost of funding earning assets | 0.5774% | 2,861 |
| Net interest margin | 3.3824% | 4,354 |
| Noninterest income to average assets | 1.6222% | 542 |
| Noninterest expense to average assets | 4.4254% | 560 |
| Loan and lease loss provision to assets | 0.0278% | 4,566 |
| Net operating income to assets | 3.1985% | 95 |
| Return on assets (ROA) | 3.2834% | 89 |
| Pretax return on assets | 0.4364% | 5,397 |
| Return on Equity (ROE) | 30.0176% | 72 |
| Retained earnings to average equity (ytd only) | 30.0176% | 32 |
| Net charge-offs to loans | 0.1551% | 3,255 |
| Credit loss provision to net charge-offs | 28.5714% | 4,280 |
| Earnings coverage of net charge-offs (x) | 3.9011% | 3,721 |
| Efficiency ratio | 92.1067% | 871 |
| Assets per employee ($millions) | 5.0394% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 1,380 |
| Loan loss allowance to noncurrent loans | 71.9931% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.8202% | 716 |
| Noncurrent loans to loans | 2.8833% | 1,216 |
| Net loans and leases to total assets | 63.6063% | 3,114 |
| Net loans and leases to deposits | 81.8122% | 2,202 |
| Net loans and leases to core deposits | 86.8367% | 2,367 |
| Total domestic deposits to total assets | 77.7467% | 5,859 |
| Equity capital to assets | 13.3135% | 1,134 |
| Core capital (leverage) ratio | 11.0285% | 2,362 |
| Tier 1 risk-based capital ratio | 16.1357% | 3,039 |
| Total risk-based capital ratio | 17.3952% | 2,987 |
| Memoranda: | ||
| Average total assets | $187,215,400 | 3,199 |
| Average earning assets | $176,146,800 | 3,128 |
| Average equity | $20,478,000 | 3,103 |
| Average total loans | $117,373,000 | 3,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 4,131 |
| Cost of funding earning assets | 0.6134% | 2,705 |
| Net interest margin | 3.3886% | 4,324 |
| Noninterest income to average assets | 1.5680% | 598 |
| Noninterest expense to average assets | 4.5377% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2298% | 5,838 |
| Return on assets (ROA) | 0.3251% | 5,639 |
| Pretax return on assets | 0.3251% | 5,805 |
| Return on Equity (ROE) | 3.1422% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.1422% | 4,430 |
| Net charge-offs to loans | -0.2107% | 6,662 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1798% | 666 |
| Assets per employee ($millions) | 4.7114% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 1,035 |
| Loan loss allowance to noncurrent loans | 76.7019% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 3.9553% | 793 |
| Noncurrent loans to loans | 3.1429% | 1,253 |
| Net loans and leases to total assets | 60.7481% | 3,572 |
| Net loans and leases to deposits | 75.2595% | 3,056 |
| Net loans and leases to core deposits | 80.8109% | 3,029 |
| Total domestic deposits to total assets | 80.7181% | 5,297 |
| Equity capital to assets | 10.2602% | 3,563 |
| Core capital (leverage) ratio | 10.2527% | 3,324 |
| Tier 1 risk-based capital ratio | 15.8797% | 3,264 |
| Total risk-based capital ratio | 17.1429% | 3,201 |
| Memoranda: | ||
| Average total assets | $187,404,750 | 3,222 |
| Average earning assets | $176,943,000 | 3,146 |
| Average equity | $19,391,500 | 3,261 |
| Average total loans | $116,438,000 | 3,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 4,015 |
| Cost of funding earning assets | 0.6848% | 2,181 |
| Net interest margin | 3.3399% | 4,419 |
| Noninterest income to average assets | 1.4873% | 713 |
| Noninterest expense to average assets | 4.4714% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1604% | 6,003 |
| Return on assets (ROA) | 0.2587% | 5,879 |
| Pretax return on assets | 0.2587% | 5,983 |
| Return on Equity (ROE) | 2.4936% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.4936% | 4,712 |
| Net charge-offs to loans | -0.3048% | 6,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5374% | 634 |
| Assets per employee ($millions) | 4.7886% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4685% | 1,017 |
| Loan loss allowance to noncurrent loans | 75.1866% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 4.6430% | 692 |
| Noncurrent loans to loans | 3.2831% | 1,335 |
| Net loans and leases to total assets | 59.6825% | 3,716 |
| Net loans and leases to deposits | 74.0716% | 3,141 |
| Net loans and leases to core deposits | 82.9340% | 2,703 |
| Total domestic deposits to total assets | 80.5740% | 5,456 |
| Equity capital to assets | 10.2380% | 3,608 |
| Core capital (leverage) ratio | 10.2308% | 3,184 |
| Tier 1 risk-based capital ratio | 15.4378% | 3,514 |
| Total risk-based capital ratio | 16.7007% | 3,468 |
| Memoranda: | ||
| Average total assets | $187,054,000 | 3,244 |
| Average earning assets | $176,112,330 | 3,170 |
| Average equity | $19,410,000 | 3,276 |
| Average total loans | $116,146,670 | 3,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,977 |
| Cost of funding earning assets | 0.6832% | 2,362 |
| Net interest margin | 3.3522% | 4,305 |
| Noninterest income to average assets | 1.3825% | 808 |
| Noninterest expense to average assets | 4.2093% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3184% | 5,500 |
| Return on assets (ROA) | 0.3184% | 5,632 |
| Pretax return on assets | 0.3184% | 5,818 |
| Return on Equity (ROE) | 3.0478% | 5,571 |
| Retained earnings to average equity (ytd only) | 3.0478% | 4,452 |
| Net charge-offs to loans | -0.4817% | 6,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9684% | 907 |
| Assets per employee ($millions) | 4.9875% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3552% | 1,323 |
| Loan loss allowance to noncurrent loans | 69.2269% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 5.1656% | 688 |
| Noncurrent loans to loans | 3.4022% | 1,416 |
| Net loans and leases to total assets | 60.9226% | 3,265 |
| Net loans and leases to deposits | 80.6255% | 2,001 |
| Net loans and leases to core deposits | 90.6488% | 1,643 |
| Total domestic deposits to total assets | 75.5625% | 6,406 |
| Equity capital to assets | 10.3850% | 3,691 |
| Core capital (leverage) ratio | 10.0675% | 3,307 |
| Tier 1 risk-based capital ratio | 14.7303% | 4,010 |
| Total risk-based capital ratio | 15.9916% | 3,971 |
| Memoranda: | ||
| Average total assets | $187,203,500 | 3,264 |
| Average earning assets | $175,643,500 | 3,202 |
| Average equity | $19,555,000 | 3,307 |
| Average total loans | $117,079,500 | 3,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 4,732 |
| Cost of funding earning assets | 0.6712% | 3,732 |
| Net interest margin | 3.4892% | 4,535 |
| Noninterest income to average assets | 1.9812% | 444 |
| Noninterest expense to average assets | 4.8717% | 420 |
| Loan and lease loss provision to assets | 0.0138% | 5,737 |
| Net operating income to assets | 0.3335% | 5,354 |
| Return on assets (ROA) | 0.3335% | 5,563 |
| Pretax return on assets | 0.3335% | 5,758 |
| Return on Equity (ROE) | 3.1773% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.1773% | 3,990 |
| Net charge-offs to loans | 0.4091% | 2,617 |
| Credit loss provision to net charge-offs | 5.6433% | 5,442 |
| Earnings coverage of net charge-offs (x) | 1.4199% | 4,741 |
| Efficiency ratio | 93.3453% | 838 |
| Assets per employee ($millions) | 4.7406% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 1,394 |
| Loan loss allowance to noncurrent loans | 61.9204% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 5.7371% | 632 |
| Noncurrent loans to loans | 3.6839% | 1,315 |
| Net loans and leases to total assets | 61.2642% | 3,376 |
| Net loans and leases to deposits | 74.7795% | 2,991 |
| Net loans and leases to core deposits | 81.2258% | 2,858 |
| Total domestic deposits to total assets | 81.9264% | 5,129 |
| Equity capital to assets | 10.5083% | 3,521 |
| Core capital (leverage) ratio | 10.2027% | 3,137 |
| Tier 1 risk-based capital ratio | 14.5348% | 4,007 |
| Total risk-based capital ratio | 15.7947% | 3,953 |
| Memoranda: | ||
| Average total assets | $181,105,400 | 3,298 |
| Average earning assets | $168,063,000 | 3,253 |
| Average equity | $19,009,600 | 3,332 |
| Average total loans | $108,286,800 | 3,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 4,842 |
| Cost of funding earning assets | 0.6808% | 3,934 |
| Net interest margin | 3.5124% | 4,594 |
| Noninterest income to average assets | 2.0315% | 414 |
| Noninterest expense to average assets | 5.0043% | 364 |
| Loan and lease loss provision to assets | 0.0185% | 5,569 |
| Net operating income to assets | 0.2620% | 5,744 |
| Return on assets (ROA) | 0.2620% | 5,933 |
| Pretax return on assets | 0.2620% | 6,018 |
| Return on Equity (ROE) | 2.4966% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.4966% | 5,077 |
| Net charge-offs to loans | 0.4600% | 2,261 |
| Credit loss provision to net charge-offs | 6.8120% | 5,112 |
| Earnings coverage of net charge-offs (x) | 1.0327% | 4,795 |
| Efficiency ratio | 94.6926% | 735 |
| Assets per employee ($millions) | 4.4735% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5558% | 1,135 |
| Loan loss allowance to noncurrent loans | 53.5117% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 6.3777% | 604 |
| Noncurrent loans to loans | 4.7761% | 970 |
| Net loans and leases to total assets | 59.4416% | 3,885 |
| Net loans and leases to deposits | 73.4384% | 3,377 |
| Net loans and leases to core deposits | 82.3861% | 2,906 |
| Total domestic deposits to total assets | 80.9408% | 5,378 |
| Equity capital to assets | 11.0348% | 3,227 |
| Core capital (leverage) ratio | 10.6673% | 2,739 |
| Tier 1 risk-based capital ratio | 15.1286% | 3,755 |
| Total risk-based capital ratio | 16.3869% | 3,702 |
| Memoranda: | ||
| Average total assets | $180,161,000 | 3,346 |
| Average earning assets | $166,869,500 | 3,309 |
| Average equity | $18,905,000 | 3,373 |
| Average total loans | $106,380,750 | 3,404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 5,361 |
| Cost of funding earning assets | 0.6790% | 4,186 |
| Net interest margin | 3.4094% | 5,045 |
| Noninterest income to average assets | 2.0499% | 388 |
| Noninterest expense to average assets | 4.9676% | 389 |
| Loan and lease loss provision to assets | 0.0275% | 5,326 |
| Net operating income to assets | 0.2043% | 5,900 |
| Return on assets (ROA) | 0.2043% | 6,086 |
| Pretax return on assets | 0.2043% | 6,139 |
| Return on Equity (ROE) | 1.9798% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.9798% | 5,204 |
| Net charge-offs to loans | 0.3742% | 2,520 |
| Credit loss provision to net charge-offs | 12.5628% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.0603% | 4,491 |
| Efficiency ratio | 95.5419% | 723 |
| Assets per employee ($millions) | 4.4618% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6381% | 1,106 |
| Loan loss allowance to noncurrent loans | 54.6142% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 7.1019% | 550 |
| Noncurrent loans to loans | 4.8304% | 1,055 |
| Net loans and leases to total assets | 61.2532% | 3,580 |
| Net loans and leases to deposits | 76.5836% | 2,903 |
| Net loans and leases to core deposits | 89.1888% | 2,075 |
| Total domestic deposits to total assets | 79.9821% | 5,743 |
| Equity capital to assets | 10.8466% | 3,294 |
| Core capital (leverage) ratio | 10.5972% | 2,715 |
| Tier 1 risk-based capital ratio | 14.3009% | 4,240 |
| Total risk-based capital ratio | 15.5573% | 4,196 |
| Memoranda: | ||
| Average total assets | $182,059,000 | 3,325 |
| Average earning assets | $168,180,670 | 3,289 |
| Average equity | $18,789,330 | 3,383 |
| Average total loans | $106,365,670 | 3,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 5,735 |
| Cost of funding earning assets | 0.6851% | 4,409 |
| Net interest margin | 3.3230% | 5,394 |
| Noninterest income to average assets | 2.0442% | 396 |
| Noninterest expense to average assets | 4.6646% | 473 |
| Loan and lease loss provision to assets | 0.0537% | 4,742 |
| Net operating income to assets | 0.3912% | 5,293 |
| Return on assets (ROA) | 0.3912% | 5,479 |
| Pretax return on assets | 0.3912% | 5,749 |
| Return on Equity (ROE) | 3.8833% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.8833% | 4,262 |
| Net charge-offs to loans | 0.6335% | 1,531 |
| Credit loss provision to net charge-offs | 15.0602% | 3,839 |
| Earnings coverage of net charge-offs (x) | 1.2470% | 3,712 |
| Efficiency ratio | 91.2915% | 992 |
| Assets per employee ($millions) | 4.9289% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8018% | 1,005 |
| Loan loss allowance to noncurrent loans | 48.6428% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 7.5984% | 525 |
| Noncurrent loans to loans | 5.7600% | 902 |
| Net loans and leases to total assets | 55.5651% | 4,461 |
| Net loans and leases to deposits | 68.5034% | 3,973 |
| Net loans and leases to core deposits | 74.3980% | 3,850 |
| Total domestic deposits to total assets | 81.1129% | 5,571 |
| Equity capital to assets | 10.3384% | 3,687 |
| Core capital (leverage) ratio | 10.1092% | 3,228 |
| Tier 1 risk-based capital ratio | 14.8266% | 3,872 |
| Total risk-based capital ratio | 16.0876% | 3,831 |
| Memoranda: | ||
| Average total assets | $186,084,000 | 3,281 |
| Average earning assets | $171,651,000 | 3,260 |
| Average equity | $18,747,000 | 3,388 |
| Average total loans | $104,811,500 | 3,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 4,881 |
| Cost of funding earning assets | 0.8917% | 4,180 |
| Net interest margin | 3.6564% | 4,491 |
| Noninterest income to average assets | 1.9417% | 393 |
| Noninterest expense to average assets | 5.4158% | 274 |
| Loan and lease loss provision to assets | 0.7290% | 1,393 |
| Net operating income to assets | -0.8162% | 6,664 |
| Return on assets (ROA) | -0.6613% | 6,621 |
| Pretax return on assets | -0.6613% | 6,579 |
| Return on Equity (ROE) | -6.6153% | 6,612 |
| Retained earnings to average equity (ytd only) | -6.6153% | 6,548 |
| Net charge-offs to loans | 1.4580% | 1,108 |
| Credit loss provision to net charge-offs | 81.7606% | 4,377 |
| Earnings coverage of net charge-offs (x) | -0.0978% | 5,896 |
| Efficiency ratio | 101.6367% | 630 |
| Assets per employee ($millions) | 4.5190% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9060% | 888 |
| Loan loss allowance to noncurrent loans | 75.1411% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 6.2424% | 768 |
| Noncurrent loans to loans | 3.8674% | 1,624 |
| Net loans and leases to total assets | 53.9025% | 5,051 |
| Net loans and leases to deposits | 65.7948% | 4,766 |
| Net loans and leases to core deposits | 71.6400% | 4,576 |
| Total domestic deposits to total assets | 81.9252% | 5,155 |
| Equity capital to assets | 9.8209% | 4,415 |
| Core capital (leverage) ratio | 9.5644% | 3,925 |
| Tier 1 risk-based capital ratio | 15.2642% | 3,476 |
| Total risk-based capital ratio | 16.5288% | 3,423 |
| Memoranda: | ||
| Average total assets | $194,930,400 | 3,115 |
| Average earning assets | $180,557,800 | 3,082 |
| Average equity | $19,485,200 | 3,216 |
| Average total loans | $119,206,800 | 3,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 4,844 |
| Cost of funding earning assets | 0.9057% | 4,357 |
| Net interest margin | 3.7010% | 4,324 |
| Noninterest income to average assets | 1.4521% | 620 |
| Noninterest expense to average assets | 5.1657% | 323 |
| Loan and lease loss provision to assets | 0.6190% | 1,591 |
| Net operating income to assets | -0.9004% | 6,839 |
| Return on assets (ROA) | -0.8840% | 6,874 |
| Pretax return on assets | -0.8840% | 6,825 |
| Return on Equity (ROE) | -8.8067% | 6,856 |
| Retained earnings to average equity (ytd only) | -8.8067% | 6,810 |
| Net charge-offs to loans | 1.3130% | 1,174 |
| Credit loss provision to net charge-offs | 75.4139% | 4,295 |
| Earnings coverage of net charge-offs (x) | -0.3427% | 5,781 |
| Efficiency ratio | 105.7596% | 506 |
| Assets per employee ($millions) | 4.3056% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 1,985 |
| Loan loss allowance to noncurrent loans | 33.8863% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 7.1761% | 677 |
| Noncurrent loans to loans | 6.3089% | 854 |
| Net loans and leases to total assets | 62.6276% | 3,583 |
| Net loans and leases to deposits | 78.2135% | 2,942 |
| Net loans and leases to core deposits | 87.1241% | 2,614 |
| Total domestic deposits to total assets | 80.0726% | 5,712 |
| Equity capital to assets | 10.2505% | 4,022 |
| Core capital (leverage) ratio | 9.9090% | 3,559 |
| Tier 1 risk-based capital ratio | 13.9387% | 4,396 |
| Total risk-based capital ratio | 15.5845% | 4,065 |
| Memoranda: | ||
| Average total assets | $196,213,000 | 3,117 |
| Average earning assets | $181,962,750 | 3,079 |
| Average equity | $19,696,500 | 3,191 |
| Average total loans | $122,666,250 | 3,155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 4,972 |
| Cost of funding earning assets | 0.9077% | 4,601 |
| Net interest margin | 3.6900% | 4,310 |
| Noninterest income to average assets | 1.3106% | 734 |
| Noninterest expense to average assets | 4.8033% | 435 |
| Loan and lease loss provision to assets | 0.6473% | 1,483 |
| Net operating income to assets | -0.7153% | 6,825 |
| Return on assets (ROA) | -0.6913% | 6,819 |
| Pretax return on assets | -0.6913% | 6,760 |
| Return on Equity (ROE) | -6.9322% | 6,824 |
| Retained earnings to average equity (ytd only) | -6.9322% | 6,717 |
| Net charge-offs to loans | 1.2945% | 1,190 |
| Credit loss provision to net charge-offs | 80.5729% | 3,755 |
| Earnings coverage of net charge-offs (x) | -0.0847% | 5,333 |
| Efficiency ratio | 101.4367% | 684 |
| Assets per employee ($millions) | 4.7842% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,847 |
| Loan loss allowance to noncurrent loans | 39.1534% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 6.7860% | 770 |
| Noncurrent loans to loans | 5.7128% | 1,079 |
| Net loans and leases to total assets | 59.5603% | 4,359 |
| Net loans and leases to deposits | 74.0762% | 3,800 |
| Net loans and leases to core deposits | 84.8587% | 3,091 |
| Total domestic deposits to total assets | 80.4042% | 5,707 |
| Equity capital to assets | 9.9514% | 4,217 |
| Core capital (leverage) ratio | 9.6596% | 3,721 |
| Tier 1 risk-based capital ratio | 14.3139% | 3,924 |
| Total risk-based capital ratio | 15.9519% | 3,639 |
| Memoranda: | ||
| Average total assets | $199,903,330 | 3,103 |
| Average earning assets | $185,530,330 | 3,052 |
| Average equity | $19,936,000 | 3,136 |
| Average total loans | $124,060,670 | 3,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 4,686 |
| Cost of funding earning assets | 0.9274% | 4,732 |
| Net interest margin | 3.7353% | 3,920 |
| Noninterest income to average assets | 1.3302% | 728 |
| Noninterest expense to average assets | 4.3929% | 656 |
| Loan and lease loss provision to assets | 0.7394% | 1,150 |
| Net operating income to assets | -0.3449% | 6,702 |
| Return on assets (ROA) | -0.3449% | 6,706 |
| Pretax return on assets | -0.3449% | 6,647 |
| Return on Equity (ROE) | -3.4551% | 6,705 |
| Retained earnings to average equity (ytd only) | -3.4551% | 6,356 |
| Net charge-offs to loans | 1.1936% | 1,164 |
| Credit loss provision to net charge-offs | 98.9390% | 2,762 |
| Earnings coverage of net charge-offs (x) | 0.5279% | 4,226 |
| Efficiency ratio | 91.7598% | 1,181 |
| Assets per employee ($millions) | 5.0926% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,795 |
| Loan loss allowance to noncurrent loans | 36.6122% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 7.6949% | 635 |
| Noncurrent loans to loans | 6.2334% | 990 |
| Net loans and leases to total assets | 60.9024% | 4,096 |
| Net loans and leases to deposits | 75.9160% | 3,433 |
| Net loans and leases to core deposits | 87.0416% | 2,731 |
| Total domestic deposits to total assets | 80.2233% | 5,883 |
| Equity capital to assets | 10.0678% | 3,691 |
| Core capital (leverage) ratio | 9.7970% | 3,391 |
| Tier 1 risk-based capital ratio | 14.5874% | 3,685 |
| Total risk-based capital ratio | 16.2017% | 3,412 |
| Memoranda: | ||
| Average total assets | $201,778,000 | 3,091 |
| Average earning assets | $186,759,000 | 3,059 |
| Average equity | $20,144,000 | 3,088 |
| Average total loans | $126,339,500 | 3,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 6,824 |
| Cost of funding earning assets | 1.3227% | 3,734 |
| Net interest margin | 2.9531% | 6,815 |
| Noninterest income to average assets | -0.0146% | 7,315 |
| Noninterest expense to average assets | 4.9220% | 448 |
| Loan and lease loss provision to assets | 3.4368% | 236 |
| Net operating income to assets | -5.6074% | 7,573 |
| Return on assets (ROA) | -5.4736% | 7,571 |
| Pretax return on assets | -5.4736% | 7,559 |
| Return on Equity (ROE) | -55.2751% | 7,452 |
| Retained earnings to average equity (ytd only) | -55.2751% | 7,449 |
| Net charge-offs to loans | 5.9272% | 98 |
| Credit loss provision to net charge-offs | 95.5963% | 4,869 |
| Earnings coverage of net charge-offs (x) | -0.6038% | 6,503 |
| Efficiency ratio | 138.1834% | 267 |
| Assets per employee ($millions) | 5.2549% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1956% | 1,877 |
| Loan loss allowance to noncurrent loans | 33.0685% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 7.7553% | 656 |
| Noncurrent loans to loans | 6.6396% | 881 |
| Net loans and leases to total assets | 61.5117% | 4,392 |
| Net loans and leases to deposits | 76.8772% | 3,709 |
| Net loans and leases to core deposits | 91.6582% | 2,536 |
| Total domestic deposits to total assets | 80.0130% | 5,830 |
| Equity capital to assets | 9.9013% | 3,878 |
| Core capital (leverage) ratio | 9.6401% | 3,499 |
| Tier 1 risk-based capital ratio | 13.7523% | 4,017 |
| Total risk-based capital ratio | 15.3362% | 3,785 |
| Memoranda: | ||
| Average total assets | $253,290,600 | 2,516 |
| Average earning assets | $237,240,800 | 2,456 |
| Average equity | $25,081,800 | 2,545 |
| Average total loans | $153,631,400 | 2,709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 7,110 |
| Cost of funding earning assets | 1.3876% | 3,649 |
| Net interest margin | 2.7994% | 7,134 |
| Noninterest income to average assets | 0.0291% | 7,367 |
| Noninterest expense to average assets | 3.8671% | 1,248 |
| Loan and lease loss provision to assets | 3.9394% | 169 |
| Net operating income to assets | -5.1513% | 7,656 |
| Return on assets (ROA) | -4.9810% | 7,653 |
| Pretax return on assets | -4.9810% | 7,641 |
| Return on Equity (ROE) | -50.2995% | 7,562 |
| Retained earnings to average equity (ytd only) | -50.2995% | 7,559 |
| Net charge-offs to loans | 6.8143% | 70 |
| Credit loss provision to net charge-offs | 95.9966% | 4,513 |
| Earnings coverage of net charge-offs (x) | -0.2953% | 6,242 |
| Efficiency ratio | 145.6386% | 221 |
| Assets per employee ($millions) | 6.0152% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 2,390 |
| Loan loss allowance to noncurrent loans | 24.8163% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 6.9908% | 780 |
| Noncurrent loans to loans | 7.7969% | 681 |
| Net loans and leases to total assets | 62.7393% | 4,377 |
| Net loans and leases to deposits | 81.6322% | 3,165 |
| Net loans and leases to core deposits | 107.1747% | 1,223 |
| Total domestic deposits to total assets | 76.8561% | 6,514 |
| Equity capital to assets | 9.4964% | 4,851 |
| Core capital (leverage) ratio | 8.1016% | 6,196 |
| Tier 1 risk-based capital ratio | 11.7673% | 5,674 |
| Total risk-based capital ratio | 13.3779% | 5,301 |
| Memoranda: | ||
| Average total assets | $265,377,500 | 2,436 |
| Average earning assets | $248,953,250 | 2,387 |
| Average equity | $26,279,250 | 2,473 |
| Average total loans | $159,815,750 | 2,663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1375% | 7,246 |
| Cost of funding earning assets | 1.4247% | 3,716 |
| Net interest margin | 2.7128% | 7,244 |
| Noninterest income to average assets | -0.0827% | 7,618 |
| Noninterest expense to average assets | 4.1692% | 847 |
| Loan and lease loss provision to assets | 4.0981% | 180 |
| Net operating income to assets | -5.8011% | 7,730 |
| Return on assets (ROA) | -5.7278% | 7,730 |
| Pretax return on assets | -5.7278% | 7,714 |
| Return on Equity (ROE) | -57.1760% | 7,645 |
| Retained earnings to average equity (ytd only) | -57.1760% | 7,642 |
| Net charge-offs to loans | 6.7362% | 96 |
| Credit loss provision to net charge-offs | 102.8405% | 3,965 |
| Earnings coverage of net charge-offs (x) | -0.4273% | 5,993 |
| Efficiency ratio | 169.0497% | 155 |
| Assets per employee ($millions) | 6.3991% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 1,947 |
| Loan loss allowance to noncurrent loans | 34.1736% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 5.6522% | 1,075 |
| Noncurrent loans to loans | 6.1780% | 1,016 |
| Net loans and leases to total assets | 62.9620% | 4,474 |
| Net loans and leases to deposits | 84.5891% | 2,773 |
| Net loans and leases to core deposits | 123.0634% | 600 |
| Total domestic deposits to total assets | 74.4327% | 6,922 |
| Equity capital to assets | 9.3755% | 4,892 |
| Core capital (leverage) ratio | 8.0096% | 6,264 |
| Tier 1 risk-based capital ratio | 11.5820% | 5,687 |
| Total risk-based capital ratio | 13.2383% | 5,285 |
| Memoranda: | ||
| Average total assets | $275,639,000 | 2,365 |
| Average earning assets | $258,994,670 | 2,313 |
| Average equity | $27,613,000 | 2,365 |
| Average total loans | $163,059,000 | 2,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 7,455 |
| Cost of funding earning assets | 1.3776% | 4,318 |
| Net interest margin | 2.6211% | 7,370 |
| Noninterest income to average assets | -0.0873% | 7,743 |
| Noninterest expense to average assets | 3.1246% | 3,159 |
| Loan and lease loss provision to assets | 1.9773% | 561 |
| Net operating income to assets | -2.7242% | 7,598 |
| Return on assets (ROA) | -2.7242% | 7,600 |
| Pretax return on assets | -2.7242% | 7,555 |
| Return on Equity (ROE) | -26.4599% | 7,522 |
| Retained earnings to average equity (ytd only) | -26.4599% | 7,484 |
| Net charge-offs to loans | 2.2078% | 774 |
| Credit loss provision to net charge-offs | 157.3319% | 2,279 |
| Earnings coverage of net charge-offs (x) | -0.5943% | 5,314 |
| Efficiency ratio | 131.4103% | 323 |
| Assets per employee ($millions) | 7.5784% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 1,602 |
| Loan loss allowance to noncurrent loans | 43.6279% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 5.0281% | 1,275 |
| Noncurrent loans to loans | 5.2355% | 1,364 |
| Net loans and leases to total assets | 55.7367% | 5,786 |
| Net loans and leases to deposits | 75.9674% | 4,420 |
| Net loans and leases to core deposits | 117.0239% | 903 |
| Total domestic deposits to total assets | 73.3692% | 7,129 |
| Equity capital to assets | 10.0219% | 3,839 |
| Core capital (leverage) ratio | 8.9752% | 4,610 |
| Tier 1 risk-based capital ratio | 13.9687% | 3,673 |
| Total risk-based capital ratio | 15.4319% | 3,520 |
| Memoranda: | ||
| Average total assets | $288,676,000 | 2,321 |
| Average earning assets | $271,488,500 | 2,274 |
| Average equity | $29,720,500 | 2,235 |
| Average total loans | $164,328,500 | 2,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 7,447 |
| Cost of funding earning assets | 1.4618% | 5,675 |
| Net interest margin | 2.9738% | 6,710 |
| Noninterest income to average assets | -0.0295% | 7,746 |
| Noninterest expense to average assets | 2.5977% | 5,805 |
| Loan and lease loss provision to assets | 1.5189% | 1,518 |
| Net operating income to assets | -1.3261% | 6,779 |
| Return on assets (ROA) | -0.9544% | 6,547 |
| Pretax return on assets | -0.9544% | 6,382 |
| Return on Equity (ROE) | -7.9629% | 6,464 |
| Retained earnings to average equity (ytd only) | -7.9629% | 6,345 |
| Net charge-offs to loans | 2.9026% | 742 |
| Credit loss provision to net charge-offs | 86.8552% | 6,104 |
| Earnings coverage of net charge-offs (x) | 0.1102% | 6,048 |
| Efficiency ratio | 93.0918% | 1,476 |
| Assets per employee ($millions) | 7.6151% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 2,099 |
| Loan loss allowance to noncurrent loans | 36.8643% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 5.2583% | 1,128 |
| Noncurrent loans to loans | 5.3347% | 1,229 |
| Net loans and leases to total assets | 55.6935% | 5,998 |
| Net loans and leases to deposits | 79.2130% | 4,132 |
| Net loans and leases to core deposits | 120.2486% | 1,930 |
| Total domestic deposits to total assets | 70.3086% | 7,400 |
| Equity capital to assets | 10.5677% | 3,110 |
| Core capital (leverage) ratio | 9.5935% | 3,606 |
| Tier 1 risk-based capital ratio | 15.0224% | 2,924 |
| Total risk-based capital ratio | 16.3992% | 2,826 |
| Memoranda: | ||
| Average total assets | $274,933,200 | 2,381 |
| Average earning assets | $260,708,400 | 2,323 |
| Average equity | $32,953,000 | 2,034 |
| Average total loans | $165,644,600 | 2,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 7,452 |
| Cost of funding earning assets | 1.4880% | 5,870 |
| Net interest margin | 3.0706% | 6,400 |
| Noninterest income to average assets | 0.0005% | 7,832 |
| Noninterest expense to average assets | 2.6094% | 5,683 |
| Loan and lease loss provision to assets | 0.4275% | 3,764 |
| Net operating income to assets | -0.1179% | 5,916 |
| Return on assets (ROA) | 0.2850% | 4,948 |
| Pretax return on assets | 0.2850% | 5,107 |
| Return on Equity (ROE) | 2.3052% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.3052% | 4,034 |
| Net charge-offs to loans | 2.4391% | 753 |
| Credit loss provision to net charge-offs | 28.6561% | 6,519 |
| Earnings coverage of net charge-offs (x) | 0.2075% | 5,816 |
| Efficiency ratio | 89.3939% | 1,745 |
| Assets per employee ($millions) | 7.5426% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,857 |
| Loan loss allowance to noncurrent loans | 20.3793% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 5.1337% | 1,135 |
| Noncurrent loans to loans | 5.2870% | 1,206 |
| Net loans and leases to total assets | 55.8611% | 6,157 |
| Net loans and leases to deposits | 74.2895% | 5,330 |
| Net loans and leases to core deposits | 127.5778% | 1,612 |
| Total domestic deposits to total assets | 75.1939% | 6,737 |
| Equity capital to assets | 12.1587% | 2,150 |
| Core capital (leverage) ratio | 11.1041% | 2,331 |
| Tier 1 risk-based capital ratio | 16.5385% | 2,412 |
| Total risk-based capital ratio | 17.6601% | 2,409 |
| Memoranda: | ||
| Average total assets | $271,323,250 | 2,413 |
| Average earning assets | $257,881,000 | 2,356 |
| Average equity | $33,546,250 | 2,022 |
| Average total loans | $165,957,000 | 2,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 7,470 |
| Cost of funding earning assets | 1.5439% | 5,953 |
| Net interest margin | 3.0995% | 6,241 |
| Noninterest income to average assets | 0.0707% | 7,632 |
| Noninterest expense to average assets | 2.6844% | 5,443 |
| Loan and lease loss provision to assets | 0.5470% | 2,833 |
| Net operating income to assets | -0.2084% | 6,204 |
| Return on assets (ROA) | 0.2709% | 5,109 |
| Pretax return on assets | 0.2709% | 5,273 |
| Return on Equity (ROE) | 2.1785% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.1785% | 4,132 |
| Net charge-offs to loans | 0.2785% | 3,802 |
| Credit loss provision to net charge-offs | 312.7660% | 1,488 |
| Earnings coverage of net charge-offs (x) | 1.9362% | 4,134 |
| Efficiency ratio | 88.7986% | 1,927 |
| Assets per employee ($millions) | 6.9589% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1887% | 488 |
| Loan loss allowance to noncurrent loans | 55.4302% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 5.6424% | 883 |
| Noncurrent loans to loans | 5.7526% | 973 |
| Net loans and leases to total assets | 63.7329% | 5,037 |
| Net loans and leases to deposits | 85.3647% | 3,670 |
| Net loans and leases to core deposits | 112.2243% | 3,111 |
| Total domestic deposits to total assets | 74.6595% | 6,830 |
| Equity capital to assets | 13.0262% | 1,678 |
| Core capital (leverage) ratio | 11.9300% | 1,865 |
| Tier 1 risk-based capital ratio | 16.0445% | 2,611 |
| Total risk-based capital ratio | 17.3143% | 2,545 |
| Memoranda: | ||
| Average total assets | $268,739,000 | 2,455 |
| Average earning assets | $255,980,330 | 2,392 |
| Average equity | $33,417,670 | 2,036 |
| Average total loans | $168,745,000 | 2,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 7,630 |
| Cost of funding earning assets | 1.5708% | 6,156 |
| Net interest margin | 3.0134% | 6,446 |
| Noninterest income to average assets | 0.0525% | 7,816 |
| Noninterest expense to average assets | 2.5688% | 5,576 |
| Loan and lease loss provision to assets | 0.5380% | 2,319 |
| Net operating income to assets | -0.1735% | 6,513 |
| Return on assets (ROA) | 0.3120% | 5,428 |
| Pretax return on assets | 0.3120% | 5,651 |
| Return on Equity (ROE) | 2.5662% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.5662% | 4,453 |
| Net charge-offs to loans | 0.1521% | 3,744 |
| Credit loss provision to net charge-offs | 576.5625% | 979 |
| Earnings coverage of net charge-offs (x) | 3.9063% | 3,029 |
| Efficiency ratio | 87.5746% | 1,926 |
| Assets per employee ($millions) | 7.4043% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0380% | 462 |
| Loan loss allowance to noncurrent loans | 71.6940% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.5812% | 1,484 |
| Noncurrent loans to loans | 4.2374% | 1,392 |
| Net loans and leases to total assets | 60.6972% | 5,547 |
| Net loans and leases to deposits | 78.6754% | 4,819 |
| Net loans and leases to core deposits | 106.0416% | 3,905 |
| Total domestic deposits to total assets | 77.1489% | 6,239 |
| Equity capital to assets | 12.2065% | 2,134 |
| Core capital (leverage) ratio | 11.1314% | 2,394 |
| Tier 1 risk-based capital ratio | 15.5490% | 2,831 |
| Total risk-based capital ratio | 16.8168% | 2,762 |
| Memoranda: | ||
| Average total assets | $274,368,000 | 2,425 |
| Average earning assets | $262,292,000 | 2,348 |
| Average equity | $33,356,500 | 2,032 |
| Average total loans | $168,365,000 | 2,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 7,691 |
| Cost of funding earning assets | 2.5408% | 3,999 |
| Net interest margin | 2.6523% | 7,575 |
| Noninterest income to average assets | -0.0287% | 8,174 |
| Noninterest expense to average assets | 3.0117% | 4,044 |
| Loan and lease loss provision to assets | 5.7965% | 65 |
| Net operating income to assets | -6.3048% | 8,165 |
| Return on assets (ROA) | -6.3048% | 8,157 |
| Pretax return on assets | -6.3048% | 8,121 |
| Return on Equity (ROE) | -38.5116% | 8,062 |
| Retained earnings to average equity (ytd only) | -38.5116% | 8,028 |
| Net charge-offs to loans | 6.0132% | 56 |
| Credit loss provision to net charge-offs | 143.3901% | 3,688 |
| Earnings coverage of net charge-offs (x) | -0.1257% | 6,332 |
| Efficiency ratio | 120.3004% | 570 |
| Assets per employee ($millions) | 7.4264% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9679% | 447 |
| Loan loss allowance to noncurrent loans | 58.4088% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.9814% | 1,037 |
| Noncurrent loans to loans | 5.0813% | 855 |
| Net loans and leases to total assets | 58.3493% | 6,153 |
| Net loans and leases to deposits | 77.6003% | 5,389 |
| Net loans and leases to core deposits | 87.7396% | 5,994 |
| Total domestic deposits to total assets | 75.1922% | 6,407 |
| Equity capital to assets | 12.1088% | 2,227 |
| Core capital (leverage) ratio | 11.0044% | 2,588 |
| Tier 1 risk-based capital ratio | 15.6863% | 2,789 |
| Total risk-based capital ratio | 16.9527% | 2,709 |
| Memoranda: | ||
| Average total assets | $236,709,800 | 2,682 |
| Average earning assets | $225,992,800 | 2,587 |
| Average equity | $38,752,000 | 1,743 |
| Average total loans | $159,133,000 | 2,782 |