Home > Border Capital Bank > Performance and Condition Ratios
Border Capital Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 2,099 |
| Cost of funding earning assets | 0.5518% | 3,246 |
| Net interest margin | 3.9835% | 1,998 |
| Noninterest income to average assets | 2.2113% | 359 |
| Noninterest expense to average assets | 4.4275% | 560 |
| Loan and lease loss provision to assets | -0.0813% | 6,597 |
| Net operating income to assets | 0.8649% | 3,019 |
| Return on assets (ROA) | 0.8666% | 3,119 |
| Pretax return on assets | 1.2073% | 2,665 |
| Return on Equity (ROE) | 6.2175% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.2175% | 2,278 |
| Net charge-offs to loans | -0.0624% | 6,376 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7598% | 2,137 |
| Assets per employee ($millions) | 2.6211% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6682% | 775 |
| Loan loss allowance to noncurrent loans | 66.5079% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.7010% | 621 |
| Noncurrent loans to loans | 4.0119% | 873 |
| Net loans and leases to total assets | 47.8326% | 5,363 |
| Net loans and leases to deposits | 56.6909% | 5,313 |
| Net loans and leases to core deposits | 61.2574% | 5,185 |
| Total domestic deposits to total assets | 84.3745% | 4,041 |
| Equity capital to assets | 13.5606% | 1,095 |
| Core capital (leverage) ratio | 14.1516% | 834 |
| Tier 1 risk-based capital ratio | 21.4156% | 1,412 |
| Total risk-based capital ratio | 22.6760% | 1,388 |
| Memoranda: | ||
| Average total assets | $164,002,000 | 3,531 |
| Average earning assets | $137,498,250 | 3,744 |
| Average equity | $22,859,500 | 2,868 |
| Average total loans | $85,505,750 | 3,825 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,436 |
| Cost of funding earning assets | 0.5562% | 3,350 |
| Net interest margin | 4.1984% | 1,277 |
| Noninterest income to average assets | 2.1102% | 411 |
| Noninterest expense to average assets | 4.5318% | 508 |
| Loan and lease loss provision to assets | -0.1235% | 6,729 |
| Net operating income to assets | 0.8696% | 2,953 |
| Return on assets (ROA) | 0.8723% | 3,094 |
| Pretax return on assets | 1.2120% | 2,615 |
| Return on Equity (ROE) | 6.1989% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.1989% | 2,322 |
| Net charge-offs to loans | 0.4158% | 1,557 |
| Credit loss provision to net charge-offs | -55.8659% | 5,547 |
| Earnings coverage of net charge-offs (x) | 4.9050% | 3,006 |
| Efficiency ratio | 80.6863% | 2,067 |
| Assets per employee ($millions) | 2.5162% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3473% | 1,175 |
| Loan loss allowance to noncurrent loans | 41.6322% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 5.9489% | 463 |
| Noncurrent loans to loans | 5.6381% | 536 |
| Net loans and leases to total assets | 52.0557% | 4,858 |
| Net loans and leases to deposits | 62.1932% | 4,715 |
| Net loans and leases to core deposits | 67.1890% | 4,573 |
| Total domestic deposits to total assets | 83.7000% | 4,454 |
| Equity capital to assets | 14.1489% | 920 |
| Core capital (leverage) ratio | 14.4540% | 715 |
| Tier 1 risk-based capital ratio | 20.2604% | 1,664 |
| Total risk-based capital ratio | 21.5171% | 1,639 |
| Memoranda: | ||
| Average total assets | $161,879,670 | 3,584 |
| Average earning assets | $135,194,330 | 3,802 |
| Average equity | $22,778,330 | 2,889 |
| Average total loans | $86,099,000 | 3,819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 1,470 |
| Cost of funding earning assets | 0.5468% | 3,603 |
| Net interest margin | 4.1761% | 1,255 |
| Noninterest income to average assets | 2.3265% | 349 |
| Noninterest expense to average assets | 4.6358% | 482 |
| Loan and lease loss provision to assets | -0.2465% | 6,910 |
| Net operating income to assets | 1.0487% | 2,043 |
| Return on assets (ROA) | 1.0524% | 2,136 |
| Pretax return on assets | 1.4245% | 1,786 |
| Return on Equity (ROE) | 7.4995% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.4995% | 1,941 |
| Net charge-offs to loans | 0.1438% | 2,543 |
| Credit loss provision to net charge-offs | -322.5806% | 5,371 |
| Earnings coverage of net charge-offs (x) | 15.3548% | 1,406 |
| Efficiency ratio | 79.8048% | 2,364 |
| Assets per employee ($millions) | 2.4931% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 1,037 |
| Loan loss allowance to noncurrent loans | 48.8703% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 5.7155% | 590 |
| Noncurrent loans to loans | 5.2709% | 709 |
| Net loans and leases to total assets | 50.4829% | 4,923 |
| Net loans and leases to deposits | 60.3963% | 4,749 |
| Net loans and leases to core deposits | 64.4670% | 4,698 |
| Total domestic deposits to total assets | 83.5860% | 4,634 |
| Equity capital to assets | 14.1604% | 975 |
| Core capital (leverage) ratio | 14.2805% | 720 |
| Tier 1 risk-based capital ratio | 20.2287% | 1,714 |
| Total risk-based capital ratio | 21.4872% | 1,688 |
| Memoranda: | ||
| Average total assets | $162,301,000 | 3,611 |
| Average earning assets | $135,340,000 | 3,840 |
| Average equity | $22,775,000 | 2,949 |
| Average total loans | $86,226,500 | 3,836 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 2,681 |
| Cost of funding earning assets | 0.6141% | 4,220 |
| Net interest margin | 4.0642% | 2,138 |
| Noninterest income to average assets | 1.7547% | 530 |
| Noninterest expense to average assets | 4.5660% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4289% | 4,970 |
| Return on assets (ROA) | 0.4312% | 5,208 |
| Pretax return on assets | 0.5504% | 5,134 |
| Return on Equity (ROE) | 3.2614% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.2614% | 3,933 |
| Net charge-offs to loans | 0.4679% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.1030% | 4,361 |
| Efficiency ratio | 89.2953% | 1,125 |
| Assets per employee ($millions) | 2.5008% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5926% | 1,024 |
| Loan loss allowance to noncurrent loans | 48.2034% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 6.2208% | 540 |
| Noncurrent loans to loans | 5.3785% | 699 |
| Net loans and leases to total assets | 53.0221% | 4,755 |
| Net loans and leases to deposits | 63.2234% | 4,633 |
| Net loans and leases to core deposits | 67.6850% | 4,574 |
| Total domestic deposits to total assets | 83.8648% | 4,379 |
| Equity capital to assets | 13.9052% | 1,085 |
| Core capital (leverage) ratio | 13.4087% | 979 |
| Tier 1 risk-based capital ratio | 18.6454% | 2,058 |
| Total risk-based capital ratio | 19.9040% | 2,021 |
| Memoranda: | ||
| Average total assets | $167,892,200 | 3,489 |
| Average earning assets | $138,748,000 | 3,744 |
| Average equity | $22,199,200 | 2,948 |
| Average total loans | $93,390,600 | 3,665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 2,889 |
| Cost of funding earning assets | 0.6251% | 4,410 |
| Net interest margin | 4.0553% | 2,273 |
| Noninterest income to average assets | 1.7751% | 503 |
| Noninterest expense to average assets | 4.6390% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3859% | 5,308 |
| Return on assets (ROA) | 0.3884% | 5,513 |
| Pretax return on assets | 0.4869% | 5,497 |
| Return on Equity (ROE) | 2.9745% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.9745% | 4,773 |
| Net charge-offs to loans | 0.4777% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.8112% | 4,356 |
| Efficiency ratio | 90.5568% | 998 |
| Assets per employee ($millions) | 2.6442% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6583% | 1,022 |
| Loan loss allowance to noncurrent loans | 48.3330% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 6.5757% | 566 |
| Noncurrent loans to loans | 5.4999% | 783 |
| Net loans and leases to total assets | 51.7586% | 5,080 |
| Net loans and leases to deposits | 61.3447% | 5,036 |
| Net loans and leases to core deposits | 66.2900% | 4,922 |
| Total domestic deposits to total assets | 84.3733% | 4,050 |
| Equity capital to assets | 13.2778% | 1,458 |
| Core capital (leverage) ratio | 12.7450% | 1,297 |
| Tier 1 risk-based capital ratio | 20.1661% | 1,715 |
| Total risk-based capital ratio | 21.4281% | 1,684 |
| Memoranda: | ||
| Average total assets | $169,227,500 | 3,502 |
| Average earning assets | $139,700,000 | 3,769 |
| Average equity | $22,098,250 | 2,985 |
| Average total loans | $94,617,750 | 3,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 2,798 |
| Cost of funding earning assets | 0.6428% | 4,505 |
| Net interest margin | 4.0877% | 2,138 |
| Noninterest income to average assets | 1.6900% | 527 |
| Noninterest expense to average assets | 4.6127% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3590% | 5,383 |
| Return on assets (ROA) | 0.3628% | 5,593 |
| Pretax return on assets | 0.4491% | 5,577 |
| Return on Equity (ROE) | 2.7942% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.7942% | 4,762 |
| Net charge-offs to loans | 0.7134% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.0962% | 4,468 |
| Efficiency ratio | 91.2129% | 979 |
| Assets per employee ($millions) | 2.5710% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 1,128 |
| Loan loss allowance to noncurrent loans | 36.4914% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 7.3673% | 504 |
| Noncurrent loans to loans | 7.1886% | 532 |
| Net loans and leases to total assets | 50.7047% | 5,265 |
| Net loans and leases to deposits | 59.5145% | 5,291 |
| Net loans and leases to core deposits | 63.9653% | 5,210 |
| Total domestic deposits to total assets | 85.1973% | 3,769 |
| Equity capital to assets | 12.6646% | 1,708 |
| Core capital (leverage) ratio | 12.8348% | 1,207 |
| Tier 1 risk-based capital ratio | 18.4186% | 2,155 |
| Total risk-based capital ratio | 19.6781% | 2,114 |
| Memoranda: | ||
| Average total assets | $169,226,670 | 3,511 |
| Average earning assets | $139,392,670 | 3,796 |
| Average equity | $21,974,330 | 2,986 |
| Average total loans | $96,162,670 | 3,663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 2,363 |
| Cost of funding earning assets | 0.6795% | 4,471 |
| Net interest margin | 4.1879% | 1,789 |
| Noninterest income to average assets | 1.7834% | 484 |
| Noninterest expense to average assets | 4.7132% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4182% | 5,181 |
| Return on assets (ROA) | 0.4182% | 5,374 |
| Pretax return on assets | 0.5215% | 5,356 |
| Return on Equity (ROE) | 3.1794% | 5,638 |
| Retained earnings to average equity (ytd only) | 3.1794% | 4,658 |
| Net charge-offs to loans | 0.1378% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.3824% | 2,219 |
| Efficiency ratio | 90.0367% | 1,094 |
| Assets per employee ($millions) | 2.6201% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8452% | 965 |
| Loan loss allowance to noncurrent loans | 31.7369% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 9.0601% | 385 |
| Noncurrent loans to loans | 8.9651% | 380 |
| Net loans and leases to total assets | 55.7923% | 4,423 |
| Net loans and leases to deposits | 66.0672% | 4,367 |
| Net loans and leases to core deposits | 71.6059% | 4,209 |
| Total domestic deposits to total assets | 84.4479% | 4,300 |
| Equity capital to assets | 13.3136% | 1,313 |
| Core capital (leverage) ratio | 13.0564% | 1,110 |
| Tier 1 risk-based capital ratio | 18.2768% | 2,211 |
| Total risk-based capital ratio | 19.5396% | 2,178 |
| Memoranda: | ||
| Average total assets | $166,427,000 | 3,578 |
| Average earning assets | $137,158,000 | 3,865 |
| Average equity | $21,891,000 | 2,986 |
| Average total loans | $98,727,500 | 3,632 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 2,367 |
| Cost of funding earning assets | 0.8092% | 4,799 |
| Net interest margin | 4.3118% | 1,660 |
| Noninterest income to average assets | 1.7767% | 452 |
| Noninterest expense to average assets | 4.5549% | 555 |
| Loan and lease loss provision to assets | 0.2633% | 3,586 |
| Net operating income to assets | 0.4191% | 4,777 |
| Return on assets (ROA) | 0.4353% | 4,916 |
| Pretax return on assets | 0.6160% | 4,642 |
| Return on Equity (ROE) | 3.4921% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.4921% | 3,735 |
| Net charge-offs to loans | 0.9280% | 1,871 |
| Credit loss provision to net charge-offs | 44.8654% | 5,537 |
| Earnings coverage of net charge-offs (x) | 1.4596% | 4,674 |
| Efficiency ratio | 84.1730% | 1,748 |
| Assets per employee ($millions) | 2.5814% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6815% | 1,094 |
| Loan loss allowance to noncurrent loans | 34.9765% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 7.8860% | 524 |
| Noncurrent loans to loans | 7.6667% | 539 |
| Net loans and leases to total assets | 59.5459% | 4,072 |
| Net loans and leases to deposits | 70.1117% | 4,079 |
| Net loans and leases to core deposits | 75.9833% | 3,984 |
| Total domestic deposits to total assets | 84.9300% | 3,891 |
| Equity capital to assets | 12.9960% | 1,484 |
| Core capital (leverage) ratio | 12.7216% | 1,255 |
| Tier 1 risk-based capital ratio | 17.6389% | 2,325 |
| Total risk-based capital ratio | 18.9014% | 2,282 |
| Memoranda: | ||
| Average total assets | $170,935,200 | 3,473 |
| Average earning assets | $144,092,200 | 3,674 |
| Average equity | $21,305,200 | 2,976 |
| Average total loans | $108,078,200 | 3,427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 2,438 |
| Cost of funding earning assets | 0.8356% | 4,895 |
| Net interest margin | 4.3022% | 1,707 |
| Noninterest income to average assets | 1.6266% | 503 |
| Noninterest expense to average assets | 4.4994% | 577 |
| Loan and lease loss provision to assets | 0.2135% | 3,887 |
| Net operating income to assets | 0.3902% | 5,043 |
| Return on assets (ROA) | 0.4123% | 5,131 |
| Pretax return on assets | 0.5823% | 4,878 |
| Return on Equity (ROE) | 3.3427% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.3427% | 4,345 |
| Net charge-offs to loans | 0.9223% | 1,739 |
| Credit loss provision to net charge-offs | 36.3276% | 5,318 |
| Earnings coverage of net charge-offs (x) | 1.3012% | 4,643 |
| Efficiency ratio | 85.4720% | 1,583 |
| Assets per employee ($millions) | 2.7590% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7153% | 1,115 |
| Loan loss allowance to noncurrent loans | 25.2571% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 9.0453% | 437 |
| Noncurrent loans to loans | 10.7505% | 311 |
| Net loans and leases to total assets | 60.1199% | 4,106 |
| Net loans and leases to deposits | 70.8469% | 4,159 |
| Net loans and leases to core deposits | 76.7160% | 4,094 |
| Total domestic deposits to total assets | 84.8589% | 3,841 |
| Equity capital to assets | 12.8749% | 1,674 |
| Core capital (leverage) ratio | 12.5637% | 1,409 |
| Tier 1 risk-based capital ratio | 17.8433% | 2,313 |
| Total risk-based capital ratio | 19.1071% | 2,272 |
| Memoranda: | ||
| Average total assets | $171,721,500 | 3,485 |
| Average earning assets | $145,194,500 | 3,677 |
| Average equity | $21,180,000 | 2,985 |
| Average total loans | $109,431,500 | 3,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 2,435 |
| Cost of funding earning assets | 0.8557% | 5,020 |
| Net interest margin | 4.3017% | 1,641 |
| Noninterest income to average assets | 1.6394% | 490 |
| Noninterest expense to average assets | 4.4868% | 599 |
| Loan and lease loss provision to assets | 0.2314% | 3,593 |
| Net operating income to assets | 0.3991% | 4,949 |
| Return on assets (ROA) | 0.4316% | 4,952 |
| Pretax return on assets | 0.6016% | 4,735 |
| Return on Equity (ROE) | 3.5495% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,981 |
| Net charge-offs to loans | 1.2028% | 1,303 |
| Credit loss provision to net charge-offs | 29.8954% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1.0179% | 4,530 |
| Efficiency ratio | 85.0625% | 1,697 |
| Assets per employee ($millions) | 2.5887% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6478% | 1,245 |
| Loan loss allowance to noncurrent loans | 32.6092% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 7.2998% | 676 |
| Noncurrent loans to loans | 8.1198% | 552 |
| Net loans and leases to total assets | 61.0515% | 4,077 |
| Net loans and leases to deposits | 71.4176% | 4,214 |
| Net loans and leases to core deposits | 77.5157% | 4,112 |
| Total domestic deposits to total assets | 85.4853% | 3,632 |
| Equity capital to assets | 12.4492% | 1,813 |
| Core capital (leverage) ratio | 12.2693% | 1,472 |
| Tier 1 risk-based capital ratio | 17.3887% | 2,381 |
| Total risk-based capital ratio | 18.6521% | 2,344 |
| Memoranda: | ||
| Average total assets | $172,863,000 | 3,483 |
| Average earning assets | $146,083,000 | 3,688 |
| Average equity | $21,017,330 | 2,996 |
| Average total loans | $111,240,670 | 3,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 2,084 |
| Cost of funding earning assets | 0.8769% | 5,080 |
| Net interest margin | 4.3655% | 1,374 |
| Noninterest income to average assets | 1.6472% | 496 |
| Noninterest expense to average assets | 4.4632% | 616 |
| Loan and lease loss provision to assets | 0.2301% | 3,348 |
| Net operating income to assets | 0.4555% | 4,690 |
| Return on assets (ROA) | 0.4555% | 4,777 |
| Pretax return on assets | 0.6419% | 4,529 |
| Return on Equity (ROE) | 3.7911% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.7911% | 3,901 |
| Net charge-offs to loans | 1.3982% | 980 |
| Credit loss provision to net charge-offs | 25.2525% | 4,194 |
| Earnings coverage of net charge-offs (x) | 0.9571% | 3,936 |
| Efficiency ratio | 83.6567% | 1,995 |
| Assets per employee ($millions) | 2.7280% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 1,183 |
| Loan loss allowance to noncurrent loans | 31.4755% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 7.5670% | 659 |
| Noncurrent loans to loans | 8.6621% | 534 |
| Net loans and leases to total assets | 60.5627% | 4,158 |
| Net loans and leases to deposits | 70.2480% | 4,311 |
| Net loans and leases to core deposits | 74.0076% | 4,532 |
| Total domestic deposits to total assets | 86.2127% | 3,389 |
| Equity capital to assets | 11.8485% | 2,015 |
| Core capital (leverage) ratio | 12.2334% | 1,439 |
| Tier 1 risk-based capital ratio | 16.8602% | 2,531 |
| Total risk-based capital ratio | 18.1246% | 2,493 |
| Memoranda: | ||
| Average total assets | $173,867,500 | 3,487 |
| Average earning assets | $146,879,000 | 3,702 |
| Average equity | $20,891,000 | 2,996 |
| Average total loans | $113,288,000 | 3,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 3,743 |
| Cost of funding earning assets | 1.1128% | 5,067 |
| Net interest margin | 4.0586% | 2,760 |
| Noninterest income to average assets | 1.8756% | 441 |
| Noninterest expense to average assets | 4.7598% | 522 |
| Loan and lease loss provision to assets | 0.3460% | 4,059 |
| Net operating income to assets | 0.1657% | 5,388 |
| Return on assets (ROA) | 0.2347% | 5,312 |
| Pretax return on assets | 0.2480% | 5,363 |
| Return on Equity (ROE) | 1.9871% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.9871% | 4,474 |
| Net charge-offs to loans | 0.2971% | 4,533 |
| Credit loss provision to net charge-offs | 166.2050% | 2,059 |
| Earnings coverage of net charge-offs (x) | 2.5042% | 3,861 |
| Efficiency ratio | 90.1278% | 1,316 |
| Assets per employee ($millions) | 2.6217% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8457% | 1,004 |
| Loan loss allowance to noncurrent loans | 28.9062% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 8.8068% | 520 |
| Noncurrent loans to loans | 9.8446% | 435 |
| Net loans and leases to total assets | 66.2326% | 3,420 |
| Net loans and leases to deposits | 77.0879% | 3,665 |
| Net loans and leases to core deposits | 80.1018% | 4,200 |
| Total domestic deposits to total assets | 85.9183% | 3,404 |
| Equity capital to assets | 12.1892% | 1,802 |
| Core capital (leverage) ratio | 12.0417% | 1,515 |
| Tier 1 risk-based capital ratio | 15.9895% | 2,756 |
| Total risk-based capital ratio | 17.2561% | 2,706 |
| Memoranda: | ||
| Average total assets | $173,388,800 | 3,475 |
| Average earning assets | $145,492,200 | 3,720 |
| Average equity | $20,482,400 | 3,079 |
| Average total loans | $121,523,800 | 3,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 3,987 |
| Cost of funding earning assets | 1.1520% | 5,134 |
| Net interest margin | 4.0181% | 3,018 |
| Noninterest income to average assets | 1.6539% | 511 |
| Noninterest expense to average assets | 4.3062% | 739 |
| Loan and lease loss provision to assets | 0.3446% | 3,854 |
| Net operating income to assets | 0.2556% | 5,328 |
| Return on assets (ROA) | 0.3231% | 5,240 |
| Pretax return on assets | 0.4648% | 5,028 |
| Return on Equity (ROE) | 2.7567% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.7567% | 4,503 |
| Net charge-offs to loans | 0.4547% | 3,477 |
| Credit loss provision to net charge-offs | 107.3986% | 3,972 |
| Earnings coverage of net charge-offs (x) | 2.2220% | 4,064 |
| Efficiency ratio | 85.7971% | 1,655 |
| Assets per employee ($millions) | 2.6291% | 6,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 1,120 |
| Loan loss allowance to noncurrent loans | 27.1065% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 9.3672% | 459 |
| Noncurrent loans to loans | 9.8455% | 440 |
| Net loans and leases to total assets | 66.1141% | 3,662 |
| Net loans and leases to deposits | 78.7539% | 3,681 |
| Net loans and leases to core deposits | 82.3734% | 4,188 |
| Total domestic deposits to total assets | 83.9503% | 4,157 |
| Equity capital to assets | 12.3018% | 1,971 |
| Core capital (leverage) ratio | 12.1052% | 1,613 |
| Tier 1 risk-based capital ratio | 14.8031% | 3,342 |
| Total risk-based capital ratio | 16.0653% | 3,315 |
| Memoranda: | ||
| Average total assets | $174,132,750 | 3,510 |
| Average earning assets | $145,835,000 | 3,754 |
| Average equity | $20,410,000 | 3,136 |
| Average total loans | $122,861,000 | 3,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 3,944 |
| Cost of funding earning assets | 1.1894% | 5,188 |
| Net interest margin | 4.0129% | 2,953 |
| Noninterest income to average assets | 1.6426% | 474 |
| Noninterest expense to average assets | 4.3410% | 688 |
| Loan and lease loss provision to assets | 0.3082% | 3,918 |
| Net operating income to assets | 0.2466% | 5,391 |
| Return on assets (ROA) | 0.2466% | 5,533 |
| Pretax return on assets | 0.3516% | 5,367 |
| Return on Equity (ROE) | 2.1380% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.1380% | 4,785 |
| Net charge-offs to loans | 0.2733% | 3,973 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 3.3801% | 3,348 |
| Efficiency ratio | 86.8067% | 1,618 |
| Assets per employee ($millions) | 2.6622% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6396% | 1,149 |
| Loan loss allowance to noncurrent loans | 24.0760% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 10.2455% | 386 |
| Noncurrent loans to loans | 10.9634% | 367 |
| Net loans and leases to total assets | 67.4857% | 3,502 |
| Net loans and leases to deposits | 80.6238% | 3,497 |
| Net loans and leases to core deposits | 84.2682% | 4,103 |
| Total domestic deposits to total assets | 83.7044% | 4,242 |
| Equity capital to assets | 12.0532% | 2,072 |
| Core capital (leverage) ratio | 11.7518% | 1,774 |
| Tier 1 risk-based capital ratio | 15.5983% | 2,849 |
| Total risk-based capital ratio | 16.8631% | 2,813 |
| Memoranda: | ||
| Average total assets | $175,212,330 | 3,513 |
| Average earning assets | $146,628,670 | 3,771 |
| Average equity | $20,205,670 | 3,150 |
| Average total loans | $125,120,330 | 3,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 3,998 |
| Cost of funding earning assets | 1.2662% | 5,033 |
| Net interest margin | 3.9370% | 3,162 |
| Noninterest income to average assets | 1.6971% | 441 |
| Noninterest expense to average assets | 4.2700% | 744 |
| Loan and lease loss provision to assets | 0.3857% | 3,048 |
| Net operating income to assets | 0.2314% | 5,572 |
| Return on assets (ROA) | 0.2314% | 5,691 |
| Pretax return on assets | 0.3358% | 5,503 |
| Return on Equity (ROE) | 2.0523% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.0523% | 4,896 |
| Net charge-offs to loans | 0.4040% | 2,827 |
| Credit loss provision to net charge-offs | 131.7829% | 2,678 |
| Earnings coverage of net charge-offs (x) | 2.4651% | 3,311 |
| Efficiency ratio | 85.5455% | 1,849 |
| Assets per employee ($millions) | 2.5489% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4766% | 1,331 |
| Loan loss allowance to noncurrent loans | 23.6674% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 10.3823% | 368 |
| Noncurrent loans to loans | 10.4643% | 395 |
| Net loans and leases to total assets | 70.6105% | 2,779 |
| Net loans and leases to deposits | 85.9312% | 2,598 |
| Net loans and leases to core deposits | 90.2265% | 3,338 |
| Total domestic deposits to total assets | 82.1710% | 4,998 |
| Equity capital to assets | 11.9233% | 2,088 |
| Core capital (leverage) ratio | 11.5085% | 1,907 |
| Tier 1 risk-based capital ratio | 15.2072% | 3,003 |
| Total risk-based capital ratio | 16.4704% | 2,958 |
| Memoranda: | ||
| Average total assets | $176,298,000 | 3,557 |
| Average earning assets | $147,523,000 | 3,811 |
| Average equity | $19,880,000 | 3,214 |
| Average total loans | $127,708,500 | 3,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 5,133 |
| Cost of funding earning assets | 1.7754% | 4,126 |
| Net interest margin | 3.5334% | 4,809 |
| Noninterest income to average assets | 1.2825% | 917 |
| Noninterest expense to average assets | 4.3352% | 947 |
| Loan and lease loss provision to assets | 1.9379% | 1,141 |
| Net operating income to assets | -1.1844% | 6,699 |
| Return on assets (ROA) | -1.1132% | 6,660 |
| Pretax return on assets | -1.8299% | 6,873 |
| Return on Equity (ROE) | -11.0270% | 6,698 |
| Retained earnings to average equity (ytd only) | -11.0270% | 6,599 |
| Net charge-offs to loans | 1.9552% | 1,265 |
| Credit loss provision to net charge-offs | 134.8411% | 3,680 |
| Earnings coverage of net charge-offs (x) | -0.0022% | 6,199 |
| Efficiency ratio | 100.0744% | 1,100 |
| Assets per employee ($millions) | 2.5981% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 1,401 |
| Loan loss allowance to noncurrent loans | 24.1896% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 9.0789% | 441 |
| Noncurrent loans to loans | 9.7588% | 433 |
| Net loans and leases to total assets | 70.7623% | 3,066 |
| Net loans and leases to deposits | 86.2791% | 2,862 |
| Net loans and leases to core deposits | 117.3917% | 2,189 |
| Total domestic deposits to total assets | 82.0156% | 4,941 |
| Equity capital to assets | 10.6509% | 3,021 |
| Core capital (leverage) ratio | 10.3327% | 2,758 |
| Tier 1 risk-based capital ratio | 13.6885% | 3,692 |
| Total risk-based capital ratio | 14.9509% | 3,622 |
| Memoranda: | ||
| Average total assets | $186,128,000 | 3,337 |
| Average earning assets | $160,637,800 | 3,506 |
| Average equity | $18,790,200 | 3,376 |
| Average total loans | $136,816,400 | 3,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 5,012 |
| Cost of funding earning assets | 1.8771% | 4,007 |
| Net interest margin | 3.5101% | 4,822 |
| Noninterest income to average assets | 1.4061% | 768 |
| Noninterest expense to average assets | 4.2545% | 969 |
| Loan and lease loss provision to assets | 2.1166% | 825 |
| Net operating income to assets | -1.2311% | 6,976 |
| Return on assets (ROA) | -1.1371% | 6,926 |
| Pretax return on assets | -1.7653% | 7,076 |
| Return on Equity (ROE) | -11.4135% | 6,982 |
| Retained earnings to average equity (ytd only) | -11.4135% | 6,910 |
| Net charge-offs to loans | 0.2656% | 4,382 |
| Credit loss provision to net charge-offs | 1,080.4348% | 354 |
| Earnings coverage of net charge-offs (x) | 1.0435% | 5,012 |
| Efficiency ratio | 95.4155% | 1,309 |
| Assets per employee ($millions) | 2.8536% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5657% | 392 |
| Loan loss allowance to noncurrent loans | 43.3898% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 8.2297% | 510 |
| Noncurrent loans to loans | 8.2179% | 580 |
| Net loans and leases to total assets | 70.5839% | 3,366 |
| Net loans and leases to deposits | 88.5801% | 2,853 |
| Net loans and leases to core deposits | 120.1523% | 2,229 |
| Total domestic deposits to total assets | 79.6838% | 5,565 |
| Equity capital to assets | 9.4610% | 4,800 |
| Core capital (leverage) ratio | 9.2681% | 4,236 |
| Tier 1 risk-based capital ratio | 11.7820% | 5,166 |
| Total risk-based capital ratio | 13.0573% | 5,090 |
| Memoranda: | ||
| Average total assets | $187,842,000 | 3,338 |
| Average earning assets | $163,371,250 | 3,488 |
| Average equity | $18,714,250 | 3,415 |
| Average total loans | $138,539,500 | 3,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 4,906 |
| Cost of funding earning assets | 2.0132% | 3,709 |
| Net interest margin | 3.4349% | 5,048 |
| Noninterest income to average assets | 1.4537% | 707 |
| Noninterest expense to average assets | 4.3419% | 904 |
| Loan and lease loss provision to assets | 0.1749% | 5,298 |
| Net operating income to assets | -0.0594% | 5,938 |
| Return on assets (ROA) | 0.0562% | 5,781 |
| Pretax return on assets | 0.0445% | 5,788 |
| Return on Equity (ROE) | 0.5549% | 5,770 |
| Retained earnings to average equity (ytd only) | 0.5549% | 4,977 |
| Net charge-offs to loans | 0.3026% | 3,671 |
| Credit loss provision to net charge-offs | 78.1991% | 5,244 |
| Earnings coverage of net charge-offs (x) | 0.4645% | 5,237 |
| Efficiency ratio | 97.6628% | 1,283 |
| Assets per employee ($millions) | 2.7051% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,130 |
| Loan loss allowance to noncurrent loans | 34.6952% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 5.5783% | 894 |
| Noncurrent loans to loans | 4.3529% | 1,491 |
| Net loans and leases to total assets | 72.9873% | 2,954 |
| Net loans and leases to deposits | 90.5118% | 2,746 |
| Net loans and leases to core deposits | 128.1879% | 1,698 |
| Total domestic deposits to total assets | 80.6384% | 5,214 |
| Equity capital to assets | 10.2066% | 3,711 |
| Core capital (leverage) ratio | 9.8786% | 3,418 |
| Tier 1 risk-based capital ratio | 12.9591% | 4,177 |
| Total risk-based capital ratio | 14.2113% | 4,093 |
| Memoranda: | ||
| Average total assets | $188,627,000 | 3,352 |
| Average earning assets | $164,313,670 | 3,485 |
| Average equity | $19,102,670 | 3,375 |
| Average total loans | $139,464,330 | 3,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 5,706 |
| Cost of funding earning assets | 2.1732% | 3,305 |
| Net interest margin | 3.1668% | 5,961 |
| Noninterest income to average assets | 1.5526% | 573 |
| Noninterest expense to average assets | 4.2972% | 856 |
| Loan and lease loss provision to assets | 0.1899% | 4,543 |
| Net operating income to assets | -0.1582% | 6,494 |
| Return on assets (ROA) | 0.0422% | 6,297 |
| Pretax return on assets | 0.0295% | 6,321 |
| Return on Equity (ROE) | 0.4182% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.4182% | 5,493 |
| Net charge-offs to loans | 0.2628% | 3,081 |
| Credit loss provision to net charge-offs | 97.8261% | 3,844 |
| Earnings coverage of net charge-offs (x) | 0.0978% | 4,905 |
| Efficiency ratio | 99.5601% | 1,153 |
| Assets per employee ($millions) | 2.5811% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 3,043 |
| Loan loss allowance to noncurrent loans | 31.8548% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 4.0824% | 1,253 |
| Noncurrent loans to loans | 4.6799% | 1,199 |
| Net loans and leases to total assets | 74.8059% | 2,554 |
| Net loans and leases to deposits | 93.1943% | 2,402 |
| Net loans and leases to core deposits | 138.7082% | 1,164 |
| Total domestic deposits to total assets | 80.2688% | 5,252 |
| Equity capital to assets | 10.1764% | 3,786 |
| Core capital (leverage) ratio | 10.0171% | 3,387 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,377 |
| Total risk-based capital ratio | 13.9660% | 4,296 |
| Memoranda: | ||
| Average total assets | $189,614,000 | 3,363 |
| Average earning assets | $165,468,000 | 3,483 |
| Average equity | $19,128,500 | 3,399 |
| Average total loans | $140,035,500 | 3,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4804% | 3,060 |
| Cost of funding earning assets | 2.7996% | 2,706 |
| Net interest margin | 3.6808% | 4,544 |
| Noninterest income to average assets | 1.6820% | 484 |
| Noninterest expense to average assets | 4.3076% | 1,038 |
| Loan and lease loss provision to assets | 0.6691% | 2,174 |
| Net operating income to assets | -0.0454% | 6,436 |
| Return on assets (ROA) | -0.0454% | 6,285 |
| Pretax return on assets | -0.1113% | 6,283 |
| Return on Equity (ROE) | -0.4597% | 6,292 |
| Retained earnings to average equity (ytd only) | -1.1986% | 5,657 |
| Net charge-offs to loans | 0.5536% | 2,167 |
| Credit loss provision to net charge-offs | 171.7060% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.4313% | 5,399 |
| Efficiency ratio | 88.5359% | 1,631 |
| Assets per employee ($millions) | 2.6502% | 6,887 |
| Cash dividends to net income (ytd only)* | -160.7143% | 8,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 2,407 |
| Loan loss allowance to noncurrent loans | 51.2975% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 2.9364% | 1,574 |
| Noncurrent loans to loans | 3.0382% | 1,761 |
| Net loans and leases to total assets | 70.6752% | 3,864 |
| Net loans and leases to deposits | 88.3143% | 3,754 |
| Net loans and leases to core deposits | 134.1677% | 1,589 |
| Total domestic deposits to total assets | 80.0268% | 5,009 |
| Equity capital to assets | 10.0010% | 4,037 |
| Core capital (leverage) ratio | 10.0700% | 3,380 |
| Tier 1 risk-based capital ratio | 13.1695% | 4,016 |
| Total risk-based capital ratio | 14.4226% | 3,923 |
| Memoranda: | ||
| Average total assets | $185,021,400 | 3,338 |
| Average earning assets | $160,020,800 | 3,473 |
| Average equity | $18,272,000 | 3,511 |
| Average total loans | $130,246,400 | 3,268 |