Home > First America Bank > Performance and Condition Ratios
First America Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,710 |
| Cost of funding earning assets | 0.6504% | 1,115 |
| Net interest margin | 3.2267% | 4,494 |
| Noninterest income to average assets | 0.7503% | 1,917 |
| Noninterest expense to average assets | 2.7130% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4805% | 4,763 |
| Return on assets (ROA) | 0.5133% | 4,736 |
| Pretax return on assets | 0.8002% | 4,240 |
| Return on Equity (ROE) | 4.3786% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.3786% | 3,394 |
| Net charge-offs to loans | 0.0150% | 2,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 70.8571% | 639 |
| Efficiency ratio | 78.3689% | 2,133 |
| Assets per employee ($millions) | 4.9959% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 5,372 |
| Loan loss allowance to noncurrent loans | 38.0751% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.5414% | 842 |
| Noncurrent loans to loans | 2.4176% | 1,014 |
| Net loans and leases to total assets | 68.3446% | 2,388 |
| Net loans and leases to deposits | 81.9083% | 2,344 |
| Net loans and leases to core deposits | 86.8941% | 2,446 |
| Total domestic deposits to total assets | 83.4404% | 4,031 |
| Equity capital to assets | 11.5677% | 2,405 |
| Core capital (leverage) ratio | 10.6857% | 2,760 |
| Tier 1 risk-based capital ratio | 12.4235% | 4,961 |
| Total risk-based capital ratio | 14.0670% | 4,634 |
| Memoranda: | ||
| Average total assets | $264,949,000 | 2,428 |
| Average earning assets | $222,639,000 | 2,618 |
| Average equity | $31,060,000 | 2,290 |
| Average total loans | $187,037,000 | 2,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 4,000 |
| Cost of funding earning assets | 0.6738% | 1,250 |
| Net interest margin | 3.2598% | 4,717 |
| Noninterest income to average assets | 0.5730% | 3,034 |
| Noninterest expense to average assets | 2.8736% | 3,227 |
| Loan and lease loss provision to assets | 0.0084% | 4,454 |
| Net operating income to assets | 0.2675% | 5,604 |
| Return on assets (ROA) | 0.2852% | 5,623 |
| Pretax return on assets | 0.5002% | 5,253 |
| Return on Equity (ROE) | 2.4488% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.4488% | 4,486 |
| Net charge-offs to loans | 0.3357% | 1,309 |
| Credit loss provision to net charge-offs | 3.6484% | 4,170 |
| Earnings coverage of net charge-offs (x) | 2.0813% | 4,251 |
| Efficiency ratio | 85.6604% | 1,206 |
| Assets per employee ($millions) | 4.5635% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,458 |
| Loan loss allowance to noncurrent loans | 34.4869% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 761 |
| Noncurrent loans to loans | 2.6284% | 940 |
| Net loans and leases to total assets | 71.6124% | 1,971 |
| Net loans and leases to deposits | 86.3658% | 1,933 |
| Net loans and leases to core deposits | 92.0651% | 2,076 |
| Total domestic deposits to total assets | 82.9176% | 4,109 |
| Equity capital to assets | 11.8841% | 2,102 |
| Core capital (leverage) ratio | 10.4346% | 3,016 |
| Tier 1 risk-based capital ratio | 11.9046% | 5,425 |
| Total risk-based capital ratio | 12.7203% | 5,602 |
| Memoranda: | ||
| Average total assets | $260,892,200 | 2,421 |
| Average earning assets | $222,621,000 | 2,602 |
| Average equity | $30,381,800 | 2,247 |
| Average total loans | $179,647,000 | 2,228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 4,072 |
| Cost of funding earning assets | 0.6775% | 1,274 |
| Net interest margin | 3.2483% | 4,796 |
| Noninterest income to average assets | 0.6031% | 2,850 |
| Noninterest expense to average assets | 2.9303% | 3,024 |
| Loan and lease loss provision to assets | 0.0112% | 4,197 |
| Net operating income to assets | 0.2563% | 5,723 |
| Return on assets (ROA) | 0.2799% | 5,715 |
| Pretax return on assets | 0.4652% | 5,416 |
| Return on Equity (ROE) | 2.4155% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.4155% | 4,848 |
| Net charge-offs to loans | 0.4288% | 926 |
| Credit loss provision to net charge-offs | 3.8529% | 3,767 |
| Earnings coverage of net charge-offs (x) | 1.5079% | 4,145 |
| Efficiency ratio | 86.9526% | 1,099 |
| Assets per employee ($millions) | 4.5036% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,419 |
| Loan loss allowance to noncurrent loans | 34.1996% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.7706% | 891 |
| Noncurrent loans to loans | 2.7837% | 1,000 |
| Net loans and leases to total assets | 69.1856% | 2,329 |
| Net loans and leases to deposits | 83.2753% | 2,258 |
| Net loans and leases to core deposits | 88.9886% | 2,328 |
| Total domestic deposits to total assets | 83.0806% | 4,114 |
| Equity capital to assets | 11.7186% | 2,294 |
| Core capital (leverage) ratio | 10.3416% | 3,229 |
| Tier 1 risk-based capital ratio | 11.9720% | 5,510 |
| Total risk-based capital ratio | 12.8200% | 5,679 |
| Memoranda: | ||
| Average total assets | $261,085,000 | 2,442 |
| Average earning assets | $222,389,750 | 2,612 |
| Average equity | $30,249,000 | 2,268 |
| Average total loans | $177,563,000 | 2,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 4,103 |
| Cost of funding earning assets | 0.6770% | 1,325 |
| Net interest margin | 3.2333% | 4,832 |
| Noninterest income to average assets | 0.5440% | 3,176 |
| Noninterest expense to average assets | 2.9298% | 3,068 |
| Loan and lease loss provision to assets | 0.0169% | 3,923 |
| Net operating income to assets | 0.2216% | 5,775 |
| Return on assets (ROA) | 0.2574% | 5,770 |
| Pretax return on assets | 0.3969% | 5,572 |
| Return on Equity (ROE) | 2.2304% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.2304% | 4,774 |
| Net charge-offs to loans | 0.5184% | 783 |
| Credit loss provision to net charge-offs | 4.8246% | 3,364 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 3,900 |
| Efficiency ratio | 89.0960% | 985 |
| Assets per employee ($millions) | 4.2196% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 5,071 |
| Loan loss allowance to noncurrent loans | 38.0064% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.7431% | 954 |
| Noncurrent loans to loans | 2.7900% | 1,080 |
| Net loans and leases to total assets | 67.1811% | 2,552 |
| Net loans and leases to deposits | 80.4489% | 2,456 |
| Net loans and leases to core deposits | 85.7152% | 2,545 |
| Total domestic deposits to total assets | 83.5078% | 4,104 |
| Equity capital to assets | 11.4285% | 2,488 |
| Core capital (leverage) ratio | 10.0917% | 3,482 |
| Tier 1 risk-based capital ratio | 11.7490% | 5,667 |
| Total risk-based capital ratio | 12.6469% | 5,806 |
| Memoranda: | ||
| Average total assets | $261,043,670 | 2,445 |
| Average earning assets | $221,572,330 | 2,630 |
| Average equity | $30,128,670 | 2,270 |
| Average total loans | $175,932,000 | 2,282 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 4,151 |
| Cost of funding earning assets | 0.7146% | 1,159 |
| Net interest margin | 3.1684% | 5,018 |
| Noninterest income to average assets | 0.7191% | 2,085 |
| Noninterest expense to average assets | 3.0095% | 2,836 |
| Loan and lease loss provision to assets | 0.0340% | 3,372 |
| Net operating income to assets | 0.2416% | 5,689 |
| Return on assets (ROA) | 0.2768% | 5,622 |
| Pretax return on assets | 0.4160% | 5,403 |
| Return on Equity (ROE) | 2.3865% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.3865% | 4,643 |
| Net charge-offs to loans | 0.7417% | 472 |
| Credit loss provision to net charge-offs | 6.8323% | 2,636 |
| Earnings coverage of net charge-offs (x) | 0.7981% | 3,260 |
| Efficiency ratio | 88.3341% | 1,193 |
| Assets per employee ($millions) | 4.2440% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 4,865 |
| Loan loss allowance to noncurrent loans | 36.4526% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 3.0968% | 902 |
| Noncurrent loans to loans | 3.1591% | 977 |
| Net loans and leases to total assets | 65.7814% | 2,602 |
| Net loans and leases to deposits | 78.5932% | 2,473 |
| Net loans and leases to core deposits | 84.0007% | 2,512 |
| Total domestic deposits to total assets | 83.6986% | 4,384 |
| Equity capital to assets | 11.2709% | 2,460 |
| Core capital (leverage) ratio | 10.1600% | 3,337 |
| Tier 1 risk-based capital ratio | 11.8009% | 5,763 |
| Total risk-based capital ratio | 12.7765% | 5,852 |
| Memoranda: | ||
| Average total assets | $258,648,000 | 2,471 |
| Average earning assets | $219,416,000 | 2,659 |
| Average equity | $30,002,500 | 2,274 |
| Average total loans | $173,645,500 | 2,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 4,303 |
| Cost of funding earning assets | 0.8073% | 1,178 |
| Net interest margin | 3.1377% | 5,201 |
| Noninterest income to average assets | 0.8114% | 2,025 |
| Noninterest expense to average assets | 2.9427% | 3,223 |
| Loan and lease loss provision to assets | 0.3774% | 816 |
| Net operating income to assets | 0.0979% | 6,048 |
| Return on assets (ROA) | 0.0979% | 6,100 |
| Pretax return on assets | 0.1169% | 6,069 |
| Return on Equity (ROE) | 0.8665% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.8665% | 5,448 |
| Net charge-offs to loans | 0.7956% | 790 |
| Credit loss provision to net charge-offs | 71.9907% | 3,248 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 4,769 |
| Efficiency ratio | 85.6185% | 1,447 |
| Assets per employee ($millions) | 4.0311% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,716 |
| Loan loss allowance to noncurrent loans | 49.5777% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.9965% | 1,056 |
| Noncurrent loans to loans | 2.7964% | 1,267 |
| Net loans and leases to total assets | 66.8255% | 2,553 |
| Net loans and leases to deposits | 80.8159% | 2,342 |
| Net loans and leases to core deposits | 87.5791% | 2,282 |
| Total domestic deposits to total assets | 82.6885% | 4,641 |
| Equity capital to assets | 11.9515% | 1,838 |
| Core capital (leverage) ratio | 10.2872% | 3,164 |
| Tier 1 risk-based capital ratio | 12.1177% | 5,546 |
| Total risk-based capital ratio | 13.2791% | 5,536 |
| Memoranda: | ||
| Average total assets | $247,221,200 | 2,556 |
| Average earning assets | $206,869,000 | 2,761 |
| Average equity | $27,927,200 | 2,384 |
| Average total loans | $162,897,800 | 2,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 4,442 |
| Cost of funding earning assets | 0.8209% | 1,207 |
| Net interest margin | 3.0958% | 5,327 |
| Noninterest income to average assets | 0.8463% | 1,953 |
| Noninterest expense to average assets | 2.8814% | 3,369 |
| Loan and lease loss provision to assets | 0.4581% | 619 |
| Net operating income to assets | 0.0541% | 6,214 |
| Return on assets (ROA) | 0.0541% | 6,271 |
| Pretax return on assets | 0.0930% | 6,215 |
| Return on Equity (ROE) | 0.4859% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.4859% | 5,770 |
| Net charge-offs to loans | 0.8110% | 723 |
| Credit loss provision to net charge-offs | 86.3405% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.0387% | 4,499 |
| Efficiency ratio | 83.9452% | 1,604 |
| Assets per employee ($millions) | 4.1020% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,176 |
| Loan loss allowance to noncurrent loans | 49.4909% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 3.1456% | 1,153 |
| Noncurrent loans to loans | 3.1570% | 1,247 |
| Net loans and leases to total assets | 64.8608% | 2,833 |
| Net loans and leases to deposits | 78.3883% | 2,604 |
| Net loans and leases to core deposits | 84.7565% | 2,571 |
| Total domestic deposits to total assets | 82.7429% | 4,664 |
| Equity capital to assets | 11.8787% | 1,995 |
| Core capital (leverage) ratio | 10.3024% | 3,241 |
| Tier 1 risk-based capital ratio | 12.5786% | 5,408 |
| Total risk-based capital ratio | 13.8291% | 5,352 |
| Memoranda: | ||
| Average total assets | $246,544,750 | 2,577 |
| Average earning assets | $205,948,000 | 2,793 |
| Average equity | $27,441,500 | 2,445 |
| Average total loans | $161,281,500 | 2,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 4,335 |
| Cost of funding earning assets | 0.8309% | 1,254 |
| Net interest margin | 3.1053% | 5,260 |
| Noninterest income to average assets | 0.9188% | 1,752 |
| Noninterest expense to average assets | 2.7996% | 3,679 |
| Loan and lease loss provision to assets | 0.6555% | 372 |
| Net operating income to assets | 0.0253% | 6,274 |
| Return on assets (ROA) | 0.0253% | 6,344 |
| Pretax return on assets | 0.0473% | 6,305 |
| Return on Equity (ROE) | 0.2324% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.2324% | 5,785 |
| Net charge-offs to loans | 1.2219% | 469 |
| Credit loss provision to net charge-offs | 82.2086% | 2,586 |
| Earnings coverage of net charge-offs (x) | 0.8814% | 4,236 |
| Efficiency ratio | 79.9348% | 2,165 |
| Assets per employee ($millions) | 4.2021% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,176 |
| Loan loss allowance to noncurrent loans | 61.2708% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 2.6876% | 1,553 |
| Noncurrent loans to loans | 2.6002% | 1,769 |
| Net loans and leases to total assets | 61.1100% | 3,462 |
| Net loans and leases to deposits | 73.4950% | 3,224 |
| Net loans and leases to core deposits | 79.2843% | 3,116 |
| Total domestic deposits to total assets | 83.1485% | 4,645 |
| Equity capital to assets | 11.6238% | 2,195 |
| Core capital (leverage) ratio | 10.3672% | 3,026 |
| Tier 1 risk-based capital ratio | 12.9886% | 5,151 |
| Total risk-based capital ratio | 14.2399% | 5,090 |
| Memoranda: | ||
| Average total assets | $245,319,000 | 2,597 |
| Average earning assets | $204,104,330 | 2,819 |
| Average equity | $26,681,000 | 2,518 |
| Average total loans | $160,084,670 | 2,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,914 |
| Cost of funding earning assets | 0.8525% | 1,241 |
| Net interest margin | 3.1994% | 4,935 |
| Noninterest income to average assets | 1.3927% | 792 |
| Noninterest expense to average assets | 2.9006% | 3,340 |
| Loan and lease loss provision to assets | 0.8406% | 253 |
| Net operating income to assets | 0.1768% | 5,962 |
| Return on assets (ROA) | 0.1768% | 6,067 |
| Pretax return on assets | 0.2869% | 5,882 |
| Return on Equity (ROE) | 1.6876% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.6876% | 5,141 |
| Net charge-offs to loans | 2.1054% | 215 |
| Credit loss provision to net charge-offs | 59.6450% | 2,457 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 3,563 |
| Efficiency ratio | 72.0083% | 3,611 |
| Assets per employee ($millions) | 4.0626% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,944 |
| Loan loss allowance to noncurrent loans | 100.2538% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.1512% | 2,182 |
| Noncurrent loans to loans | 1.4631% | 3,369 |
| Net loans and leases to total assets | 64.2447% | 2,660 |
| Net loans and leases to deposits | 76.1148% | 2,621 |
| Net loans and leases to core deposits | 81.3242% | 2,651 |
| Total domestic deposits to total assets | 84.4051% | 4,311 |
| Equity capital to assets | 10.1562% | 3,949 |
| Core capital (leverage) ratio | 8.7996% | 5,188 |
| Tier 1 risk-based capital ratio | 10.3140% | 6,633 |
| Total risk-based capital ratio | 11.5270% | 6,633 |
| Memoranda: | ||
| Average total assets | $239,814,500 | 2,674 |
| Average earning assets | $197,537,000 | 2,925 |
| Average equity | $25,124,000 | 2,693 |
| Average total loans | $160,538,000 | 2,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 4,702 |
| Cost of funding earning assets | 0.9519% | 1,633 |
| Net interest margin | 3.2157% | 5,533 |
| Noninterest income to average assets | 0.0412% | 6,723 |
| Noninterest expense to average assets | 2.8413% | 3,871 |
| Loan and lease loss provision to assets | 0.1264% | 4,030 |
| Net operating income to assets | -0.1211% | 6,302 |
| Return on assets (ROA) | -0.0493% | 6,346 |
| Pretax return on assets | -0.1183% | 6,375 |
| Return on Equity (ROE) | -0.4816% | 6,348 |
| Retained earnings to average equity (ytd only) | -0.4816% | 5,936 |
| Net charge-offs to loans | 0.8986% | 1,269 |
| Credit loss provision to net charge-offs | 21.1172% | 5,273 |
| Earnings coverage of net charge-offs (x) | -0.1737% | 5,563 |
| Efficiency ratio | 103.7992% | 448 |
| Assets per employee ($millions) | 3.9967% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 2,938 |
| Loan loss allowance to noncurrent loans | 108.9666% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 3.6310% | 1,233 |
| Noncurrent loans to loans | 1.5593% | 3,277 |
| Net loans and leases to total assets | 67.6353% | 2,255 |
| Net loans and leases to deposits | 81.0527% | 2,137 |
| Net loans and leases to core deposits | 86.1817% | 2,297 |
| Total domestic deposits to total assets | 83.4460% | 4,554 |
| Equity capital to assets | 10.8187% | 3,154 |
| Core capital (leverage) ratio | 8.8493% | 5,099 |
| Tier 1 risk-based capital ratio | 13.0780% | 5,051 |
| Total risk-based capital ratio | 14.3400% | 4,990 |
| Memoranda: | ||
| Average total assets | $245,202,200 | 2,571 |
| Average earning assets | $205,586,200 | 2,799 |
| Average equity | $25,124,000 | 2,647 |
| Average total loans | $163,362,800 | 2,381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 4,930 |
| Cost of funding earning assets | 0.9811% | 1,672 |
| Net interest margin | 3.1859% | 5,730 |
| Noninterest income to average assets | 0.3707% | 4,864 |
| Noninterest expense to average assets | 2.8163% | 3,931 |
| Loan and lease loss provision to assets | 0.0907% | 4,468 |
| Net operating income to assets | 0.0799% | 6,156 |
| Return on assets (ROA) | 0.1743% | 6,133 |
| Pretax return on assets | 0.2940% | 5,968 |
| Return on Equity (ROE) | 1.7240% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.7240% | 5,471 |
| Net charge-offs to loans | 1.0929% | 937 |
| Credit loss provision to net charge-offs | 12.5464% | 5,050 |
| Earnings coverage of net charge-offs (x) | 0.3281% | 5,158 |
| Efficiency ratio | 92.2347% | 873 |
| Assets per employee ($millions) | 4.4584% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,254 |
| Loan loss allowance to noncurrent loans | 100.6403% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 4.0718% | 1,185 |
| Noncurrent loans to loans | 1.6606% | 3,300 |
| Net loans and leases to total assets | 65.3012% | 2,779 |
| Net loans and leases to deposits | 77.9356% | 2,664 |
| Net loans and leases to core deposits | 84.1743% | 2,671 |
| Total domestic deposits to total assets | 83.7887% | 4,321 |
| Equity capital to assets | 10.6030% | 3,728 |
| Core capital (leverage) ratio | 8.9583% | 5,125 |
| Tier 1 risk-based capital ratio | 13.3235% | 5,003 |
| Total risk-based capital ratio | 14.5791% | 4,969 |
| Memoranda: | ||
| Average total assets | $248,550,000 | 2,568 |
| Average earning assets | $209,293,750 | 2,773 |
| Average equity | $25,135,250 | 2,670 |
| Average total loans | $164,329,500 | 2,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 5,103 |
| Cost of funding earning assets | 1.0213% | 1,642 |
| Net interest margin | 3.1355% | 5,902 |
| Noninterest income to average assets | 0.3353% | 5,148 |
| Noninterest expense to average assets | 2.8198% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0936% | 6,181 |
| Return on assets (ROA) | 0.1919% | 6,122 |
| Pretax return on assets | 0.3193% | 5,927 |
| Return on Equity (ROE) | 1.9276% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.9276% | 5,234 |
| Net charge-offs to loans | 1.0892% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2303% | 4,956 |
| Efficiency ratio | 94.4519% | 782 |
| Assets per employee ($millions) | 4.7426% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,613 |
| Loan loss allowance to noncurrent loans | 87.0218% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 4.2613% | 1,174 |
| Noncurrent loans to loans | 2.1604% | 2,756 |
| Net loans and leases to total assets | 62.5791% | 3,319 |
| Net loans and leases to deposits | 74.2639% | 3,246 |
| Net loans and leases to core deposits | 80.5800% | 3,137 |
| Total domestic deposits to total assets | 84.2658% | 4,209 |
| Equity capital to assets | 10.2905% | 3,947 |
| Core capital (leverage) ratio | 8.6985% | 5,384 |
| Tier 1 risk-based capital ratio | 13.2433% | 5,006 |
| Total risk-based capital ratio | 14.5015% | 4,973 |
| Memoranda: | ||
| Average total assets | $251,149,330 | 2,538 |
| Average earning assets | $212,281,330 | 2,731 |
| Average equity | $25,004,670 | 2,670 |
| Average total loans | $165,810,670 | 2,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 5,119 |
| Cost of funding earning assets | 1.0584% | 1,628 |
| Net interest margin | 3.1362% | 5,942 |
| Noninterest income to average assets | 0.2383% | 5,927 |
| Noninterest expense to average assets | 2.9390% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0663% | 6,500 |
| Return on assets (ROA) | -0.0663% | 6,591 |
| Pretax return on assets | -0.0347% | 6,559 |
| Return on Equity (ROE) | -0.6769% | 6,599 |
| Retained earnings to average equity (ytd only) | -0.6769% | 6,104 |
| Net charge-offs to loans | 0.2775% | 2,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.1864% | 4,433 |
| Efficiency ratio | 101.1957% | 510 |
| Assets per employee ($millions) | 4.5940% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2375% | 1,801 |
| Loan loss allowance to noncurrent loans | 47.4031% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 4.4220% | 1,219 |
| Noncurrent loans to loans | 4.7202% | 1,210 |
| Net loans and leases to total assets | 65.9055% | 2,485 |
| Net loans and leases to deposits | 78.0208% | 2,502 |
| Net loans and leases to core deposits | 84.5412% | 2,473 |
| Total domestic deposits to total assets | 84.4716% | 4,289 |
| Equity capital to assets | 10.0800% | 4,027 |
| Core capital (leverage) ratio | 8.3193% | 5,848 |
| Tier 1 risk-based capital ratio | 12.6069% | 5,514 |
| Total risk-based capital ratio | 13.8704% | 5,474 |
| Memoranda: | ||
| Average total assets | $253,416,000 | 2,535 |
| Average earning assets | $215,417,000 | 2,699 |
| Average equity | $24,818,000 | 2,680 |
| Average total loans | $170,072,500 | 2,360 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 5,997 |
| Cost of funding earning assets | 1.2329% | 1,825 |
| Net interest margin | 2.9880% | 6,548 |
| Noninterest income to average assets | 0.4642% | 4,099 |
| Noninterest expense to average assets | 2.7281% | 4,629 |
| Loan and lease loss provision to assets | 2.1698% | 239 |
| Net operating income to assets | -1.1912% | 6,817 |
| Return on assets (ROA) | -1.1705% | 6,835 |
| Pretax return on assets | -1.8089% | 6,981 |
| Return on Equity (ROE) | -11.7316% | 6,790 |
| Retained earnings to average equity (ytd only) | -11.7316% | 6,758 |
| Net charge-offs to loans | 2.7141% | 397 |
| Credit loss provision to net charge-offs | 117.4404% | 2,740 |
| Earnings coverage of net charge-offs (x) | 0.1781% | 5,700 |
| Efficiency ratio | 87.6598% | 1,386 |
| Assets per employee ($millions) | 4.7918% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,634 |
| Loan loss allowance to noncurrent loans | 41.4537% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 4.1297% | 1,381 |
| Noncurrent loans to loans | 5.5220% | 953 |
| Net loans and leases to total assets | 65.2929% | 2,919 |
| Net loans and leases to deposits | 76.5293% | 3,087 |
| Net loans and leases to core deposits | 82.9268% | 3,037 |
| Total domestic deposits to total assets | 85.3175% | 3,680 |
| Equity capital to assets | 9.5186% | 4,855 |
| Core capital (leverage) ratio | 7.5467% | 6,625 |
| Tier 1 risk-based capital ratio | 11.7676% | 5,978 |
| Total risk-based capital ratio | 13.0321% | 5,954 |
| Memoranda: | ||
| Average total assets | $263,478,600 | 2,395 |
| Average earning assets | $228,650,200 | 2,523 |
| Average equity | $26,288,000 | 2,457 |
| Average total loans | $179,361,400 | 2,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 6,038 |
| Cost of funding earning assets | 1.2487% | 2,005 |
| Net interest margin | 3.0181% | 6,548 |
| Noninterest income to average assets | 0.2489% | 5,837 |
| Noninterest expense to average assets | 2.6982% | 4,734 |
| Loan and lease loss provision to assets | 1.5234% | 445 |
| Net operating income to assets | -0.8363% | 6,814 |
| Return on assets (ROA) | -0.8131% | 6,839 |
| Pretax return on assets | -1.3003% | 6,962 |
| Return on Equity (ROE) | -8.0590% | 6,812 |
| Retained earnings to average equity (ytd only) | -8.0590% | 6,766 |
| Net charge-offs to loans | 1.6341% | 855 |
| Credit loss provision to net charge-offs | 136.3390% | 2,340 |
| Earnings coverage of net charge-offs (x) | 0.1673% | 5,479 |
| Efficiency ratio | 91.8107% | 1,042 |
| Assets per employee ($millions) | 5.0831% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 1,954 |
| Loan loss allowance to noncurrent loans | 65.4573% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.7858% | 2,334 |
| Noncurrent loans to loans | 3.2917% | 2,100 |
| Net loans and leases to total assets | 65.9921% | 2,903 |
| Net loans and leases to deposits | 77.4053% | 3,099 |
| Net loans and leases to core deposits | 82.8604% | 3,211 |
| Total domestic deposits to total assets | 85.2553% | 3,644 |
| Equity capital to assets | 9.7296% | 4,733 |
| Core capital (leverage) ratio | 8.2937% | 5,985 |
| Tier 1 risk-based capital ratio | 13.0374% | 5,070 |
| Total risk-based capital ratio | 14.3008% | 5,031 |
| Memoranda: | ||
| Average total assets | $264,659,000 | 2,394 |
| Average earning assets | $231,175,750 | 2,499 |
| Average equity | $26,702,500 | 2,423 |
| Average total loans | $180,974,750 | 2,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 5,958 |
| Cost of funding earning assets | 1.2573% | 2,205 |
| Net interest margin | 3.0609% | 6,490 |
| Noninterest income to average assets | 0.3474% | 5,105 |
| Noninterest expense to average assets | 2.6965% | 4,839 |
| Loan and lease loss provision to assets | 1.4460% | 497 |
| Net operating income to assets | -0.6973% | 6,814 |
| Return on assets (ROA) | -0.6774% | 6,810 |
| Pretax return on assets | -1.0841% | 6,925 |
| Return on Equity (ROE) | -6.6329% | 6,812 |
| Retained earnings to average equity (ytd only) | -6.6329% | 6,701 |
| Net charge-offs to loans | 1.6665% | 869 |
| Credit loss provision to net charge-offs | 126.2948% | 2,422 |
| Earnings coverage of net charge-offs (x) | 0.2888% | 5,092 |
| Efficiency ratio | 87.4184% | 1,467 |
| Assets per employee ($millions) | 4.9967% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,466 |
| Loan loss allowance to noncurrent loans | 52.1345% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.2028% | 2,099 |
| Noncurrent loans to loans | 3.7706% | 1,856 |
| Net loans and leases to total assets | 64.7815% | 3,300 |
| Net loans and leases to deposits | 76.0952% | 3,450 |
| Net loans and leases to core deposits | 81.6792% | 3,556 |
| Total domestic deposits to total assets | 85.1322% | 3,820 |
| Equity capital to assets | 9.8824% | 4,293 |
| Core capital (leverage) ratio | 9.0379% | 4,660 |
| Tier 1 risk-based capital ratio | 13.9342% | 4,217 |
| Total risk-based capital ratio | 15.1940% | 4,181 |
| Memoranda: | ||
| Average total assets | $263,077,000 | 2,429 |
| Average earning assets | $230,326,670 | 2,520 |
| Average equity | $26,866,000 | 2,397 |
| Average total loans | $180,732,670 | 2,274 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 5,433 |
| Cost of funding earning assets | 1.2811% | 2,301 |
| Net interest margin | 3.1921% | 6,091 |
| Noninterest income to average assets | 0.3666% | 4,977 |
| Noninterest expense to average assets | 2.6815% | 4,908 |
| Loan and lease loss provision to assets | 1.6696% | 363 |
| Net operating income to assets | -0.7439% | 6,934 |
| Return on assets (ROA) | -0.7439% | 6,940 |
| Pretax return on assets | -1.1983% | 7,058 |
| Return on Equity (ROE) | -7.1644% | 6,924 |
| Retained earnings to average equity (ytd only) | -7.1644% | 6,690 |
| Net charge-offs to loans | 3.0822% | 346 |
| Credit loss provision to net charge-offs | 77.3181% | 3,211 |
| Earnings coverage of net charge-offs (x) | 0.2183% | 4,449 |
| Efficiency ratio | 83.4392% | 2,028 |
| Assets per employee ($millions) | 4.8729% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 3,920 |
| Loan loss allowance to noncurrent loans | 47.2721% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.9399% | 2,353 |
| Noncurrent loans to loans | 3.2989% | 2,282 |
| Net loans and leases to total assets | 66.9298% | 2,776 |
| Net loans and leases to deposits | 78.9954% | 2,897 |
| Net loans and leases to core deposits | 85.2108% | 3,006 |
| Total domestic deposits to total assets | 84.7262% | 4,162 |
| Equity capital to assets | 10.1696% | 3,569 |
| Core capital (leverage) ratio | 9.2112% | 4,269 |
| Tier 1 risk-based capital ratio | 13.5909% | 4,365 |
| Total risk-based capital ratio | 14.8462% | 4,330 |
| Memoranda: | ||
| Average total assets | $259,703,500 | 2,476 |
| Average earning assets | $226,686,000 | 2,588 |
| Average equity | $26,966,500 | 2,379 |
| Average total loans | $181,948,500 | 2,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 6,182 |
| Cost of funding earning assets | 1.4654% | 2,852 |
| Net interest margin | 3.1092% | 6,501 |
| Noninterest income to average assets | 0.2765% | 5,803 |
| Noninterest expense to average assets | 2.5841% | 5,480 |
| Loan and lease loss provision to assets | 0.5237% | 3,057 |
| Net operating income to assets | 0.0654% | 5,663 |
| Return on assets (ROA) | 0.0962% | 5,739 |
| Pretax return on assets | -0.0717% | 5,975 |
| Return on Equity (ROE) | 0.9433% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.9433% | 5,084 |
| Net charge-offs to loans | 0.3495% | 4,270 |
| Credit loss provision to net charge-offs | 217.1340% | 1,396 |
| Earnings coverage of net charge-offs (x) | 1.6745% | 4,485 |
| Efficiency ratio | 86.4848% | 1,637 |
| Assets per employee ($millions) | 4.5763% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 3,290 |
| Loan loss allowance to noncurrent loans | 107.7643% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.8414% | 3,573 |
| Noncurrent loans to loans | 1.5595% | 4,160 |
| Net loans and leases to total assets | 70.9724% | 2,313 |
| Net loans and leases to deposits | 84.3135% | 2,403 |
| Net loans and leases to core deposits | 90.9778% | 2,622 |
| Total domestic deposits to total assets | 84.1768% | 4,286 |
| Equity capital to assets | 10.6033% | 3,063 |
| Core capital (leverage) ratio | 9.6029% | 3,556 |
| Tier 1 risk-based capital ratio | 13.7423% | 4,025 |
| Total risk-based capital ratio | 14.9990% | 4,001 |
| Memoranda: | ||
| Average total assets | $266,205,600 | 2,391 |
| Average earning assets | $232,153,200 | 2,503 |
| Average equity | $27,138,000 | 2,369 |
| Average total loans | $183,678,400 | 2,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 6,528 |
| Cost of funding earning assets | 1.6757% | 1,984 |
| Net interest margin | 2.8542% | 7,073 |
| Noninterest income to average assets | 0.4942% | 4,234 |
| Noninterest expense to average assets | 2.5501% | 5,521 |
| Loan and lease loss provision to assets | 0.4813% | 3,065 |
| Net operating income to assets | -0.0288% | 6,061 |
| Return on assets (ROA) | 0.0030% | 6,118 |
| Pretax return on assets | 0.0050% | 6,078 |
| Return on Equity (ROE) | 0.0295% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.0295% | 5,764 |
| Net charge-offs to loans | 0.2836% | 4,244 |
| Credit loss provision to net charge-offs | 248.7179% | 1,345 |
| Earnings coverage of net charge-offs (x) | 2.2564% | 4,041 |
| Efficiency ratio | 85.3796% | 1,691 |
| Assets per employee ($millions) | 4.8362% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 3,530 |
| Loan loss allowance to noncurrent loans | 71.7216% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1750% | 3,242 |
| Noncurrent loans to loans | 2.2292% | 3,416 |
| Net loans and leases to total assets | 70.5226% | 2,606 |
| Net loans and leases to deposits | 83.8589% | 2,729 |
| Net loans and leases to core deposits | 90.7877% | 2,986 |
| Total domestic deposits to total assets | 84.0967% | 4,065 |
| Equity capital to assets | 10.6278% | 3,375 |
| Core capital (leverage) ratio | 9.4939% | 3,909 |
| Tier 1 risk-based capital ratio | 13.9207% | 3,901 |
| Total risk-based capital ratio | 15.1758% | 3,851 |
| Memoranda: | ||
| Average total assets | $268,689,500 | 2,409 |
| Average earning assets | $234,638,750 | 2,520 |
| Average equity | $27,129,250 | 2,399 |
| Average total loans | $183,350,500 | 2,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 6,624 |
| Cost of funding earning assets | 1.7198% | 2,016 |
| Net interest margin | 2.8149% | 7,124 |
| Noninterest income to average assets | 0.5557% | 3,661 |
| Noninterest expense to average assets | 2.5886% | 5,362 |
| Loan and lease loss provision to assets | 0.5256% | 2,687 |
| Net operating income to assets | -0.0635% | 6,174 |
| Return on assets (ROA) | -0.0513% | 6,244 |
| Pretax return on assets | -0.0821% | 6,230 |
| Return on Equity (ROE) | -0.5168% | 6,256 |
| Retained earnings to average equity (ytd only) | -0.5168% | 5,853 |
| Net charge-offs to loans | 0.3798% | 3,462 |
| Credit loss provision to net charge-offs | 206.0345% | 1,888 |
| Earnings coverage of net charge-offs (x) | 1.6638% | 4,258 |
| Efficiency ratio | 85.9124% | 1,719 |
| Assets per employee ($millions) | 5.0543% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,940 |
| Loan loss allowance to noncurrent loans | 64.2925% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0569% | 3,439 |
| Noncurrent loans to loans | 2.3327% | 3,333 |
| Net loans and leases to total assets | 66.8350% | 3,654 |
| Net loans and leases to deposits | 78.8412% | 3,827 |
| Net loans and leases to core deposits | 85.6459% | 3,882 |
| Total domestic deposits to total assets | 84.7717% | 3,742 |
| Equity capital to assets | 10.1954% | 3,772 |
| Core capital (leverage) ratio | 8.9604% | 4,671 |
| Tier 1 risk-based capital ratio | 13.8831% | 3,814 |
| Total risk-based capital ratio | 15.1373% | 3,773 |
| Memoranda: | ||
| Average total assets | $272,813,330 | 2,388 |
| Average earning assets | $238,162,330 | 2,499 |
| Average equity | $27,092,000 | 2,406 |
| Average total loans | $183,234,330 | 2,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 7,159 |
| Cost of funding earning assets | 1.7769% | 1,986 |
| Net interest margin | 2.5066% | 7,472 |
| Noninterest income to average assets | 0.5158% | 3,929 |
| Noninterest expense to average assets | 2.5995% | 5,362 |
| Loan and lease loss provision to assets | 0.9329% | 1,354 |
| Net operating income to assets | -0.5144% | 6,839 |
| Return on assets (ROA) | -0.5144% | 6,866 |
| Pretax return on assets | -0.8253% | 6,962 |
| Return on Equity (ROE) | -5.2478% | 6,897 |
| Retained earnings to average equity (ytd only) | -5.2478% | 6,603 |
| Net charge-offs to loans | 0.7045% | 2,091 |
| Credit loss provision to net charge-offs | 198.1481% | 1,872 |
| Earnings coverage of net charge-offs (x) | 0.2284% | 4,839 |
| Efficiency ratio | 96.0279% | 1,021 |
| Assets per employee ($millions) | 5.1848% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 4,079 |
| Loan loss allowance to noncurrent loans | 51.0301% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.2027% | 3,270 |
| Noncurrent loans to loans | 2.8782% | 2,799 |
| Net loans and leases to total assets | 65.3041% | 4,042 |
| Net loans and leases to deposits | 76.5475% | 4,311 |
| Net loans and leases to core deposits | 84.1876% | 4,175 |
| Total domestic deposits to total assets | 85.3119% | 3,499 |
| Equity capital to assets | 9.7983% | 4,111 |
| Core capital (leverage) ratio | 8.7656% | 4,910 |
| Tier 1 risk-based capital ratio | 13.4436% | 4,023 |
| Total risk-based capital ratio | 14.6963% | 3,986 |
| Memoranda: | ||
| Average total assets | $275,282,000 | 2,427 |
| Average earning assets | $240,640,500 | 2,531 |
| Average equity | $26,982,500 | 2,437 |
| Average total loans | $183,971,000 | 2,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 7,433 |
| Cost of funding earning assets | 1.8015% | 3,991 |
| Net interest margin | 2.6487% | 7,280 |
| Noninterest income to average assets | 0.4097% | 5,128 |
| Noninterest expense to average assets | 2.8971% | 4,536 |
| Loan and lease loss provision to assets | 2.0385% | 1,051 |
| Net operating income to assets | -1.3421% | 6,787 |
| Return on assets (ROA) | -1.3203% | 6,778 |
| Pretax return on assets | -2.1783% | 7,006 |
| Return on Equity (ROE) | -10.2974% | 6,648 |
| Retained earnings to average equity (ytd only) | -10.2974% | 6,543 |
| Net charge-offs to loans | 1.6638% | 1,522 |
| Credit loss provision to net charge-offs | 210.9489% | 1,819 |
| Earnings coverage of net charge-offs (x) | -0.1798% | 6,419 |
| Efficiency ratio | 106.3810% | 897 |
| Assets per employee ($millions) | 5.1069% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,947 |
| Loan loss allowance to noncurrent loans | 30.2878% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.3676% | 2,024 |
| Noncurrent loans to loans | 4.1880% | 1,740 |
| Net loans and leases to total assets | 66.5258% | 4,029 |
| Net loans and leases to deposits | 77.9930% | 4,374 |
| Net loans and leases to core deposits | 104.2428% | 3,545 |
| Total domestic deposits to total assets | 85.2972% | 3,412 |
| Equity capital to assets | 9.8052% | 3,997 |
| Core capital (leverage) ratio | 8.8438% | 4,695 |
| Tier 1 risk-based capital ratio | 13.5937% | 3,761 |
| Total risk-based capital ratio | 14.8367% | 3,712 |
| Memoranda: | ||
| Average total assets | $155,949,400 | 3,862 |
| Average earning assets | $136,218,800 | 3,975 |
| Average equity | $19,995,400 | 3,199 |
| Average total loans | $90,578,200 | 4,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 7,562 |
| Cost of funding earning assets | 1.8606% | 4,094 |
| Net interest margin | 2.5900% | 7,365 |
| Noninterest income to average assets | 0.2180% | 6,671 |
| Noninterest expense to average assets | 2.9747% | 4,147 |
| Loan and lease loss provision to assets | 1.5365% | 1,237 |
| Net operating income to assets | -1.2701% | 6,999 |
| Return on assets (ROA) | -1.2498% | 6,993 |
| Pretax return on assets | -2.0032% | 7,185 |
| Return on Equity (ROE) | -8.6356% | 6,783 |
| Retained earnings to average equity (ytd only) | -8.6356% | 6,672 |
| Net charge-offs to loans | 2.3224% | 811 |
| Credit loss provision to net charge-offs | 124.8495% | 4,035 |
| Earnings coverage of net charge-offs (x) | -0.4050% | 6,431 |
| Efficiency ratio | 120.1282% | 586 |
| Assets per employee ($millions) | 4.7373% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,619 |
| Loan loss allowance to noncurrent loans | 649.3333% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 7,231 |
| Noncurrent loans to loans | 0.2258% | 6,933 |
| Net loans and leases to total assets | 55.2751% | 6,232 |
| Net loans and leases to deposits | 65.0296% | 6,400 |
| Net loans and leases to core deposits | 86.8649% | 5,776 |
| Total domestic deposits to total assets | 85.0000% | 3,236 |
| Equity capital to assets | 14.6902% | 1,094 |
| Core capital (leverage) ratio | 12.5236% | 1,573 |
| Tier 1 risk-based capital ratio | 19.3829% | 1,671 |
| Total risk-based capital ratio | 20.5698% | 1,648 |
| Memoranda: | ||
| Average total assets | $125,994,000 | 4,448 |
| Average earning assets | $109,856,250 | 4,599 |
| Average equity | $18,234,250 | 3,494 |
| Average total loans | $66,768,750 | 5,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 7,740 |
| Cost of funding earning assets | 1.8821% | 4,362 |
| Net interest margin | 2.4822% | 7,500 |
| Noninterest income to average assets | 0.2225% | 6,703 |
| Noninterest expense to average assets | 2.8448% | 4,761 |
| Loan and lease loss provision to assets | 0.0171% | 7,050 |
| Net operating income to assets | -0.2926% | 6,318 |
| Return on assets (ROA) | -0.2926% | 6,333 |
| Pretax return on assets | -0.4700% | 6,389 |
| Return on Equity (ROE) | -2.0310% | 6,228 |
| Retained earnings to average equity (ytd only) | -2.0310% | 5,752 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9330% | 682 |
| Assets per employee ($millions) | 5.7465% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 6,097 |
| Loan loss allowance to noncurrent loans | 464.0000% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,284 |
| Noncurrent loans to loans | 0.2192% | 6,966 |
| Net loans and leases to total assets | 51.2491% | 6,760 |
| Net loans and leases to deposits | 66.6864% | 6,333 |
| Net loans and leases to core deposits | 85.5685% | 5,956 |
| Total domestic deposits to total assets | 76.8510% | 6,364 |
| Equity capital to assets | 13.8526% | 1,366 |
| Core capital (leverage) ratio | 13.7537% | 1,203 |
| Tier 1 risk-based capital ratio | 20.7205% | 1,444 |
| Total risk-based capital ratio | 21.5472% | 1,479 |
| Memoranda: | ||
| Average total assets | $128,514,330 | 4,424 |
| Average earning assets | $112,321,670 | 4,561 |
| Average equity | $18,513,000 | 3,467 |
| Average total loans | $66,879,000 | 5,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 7,768 |
| Cost of funding earning assets | 2.0500% | 3,879 |
| Net interest margin | 2.3899% | 7,628 |
| Noninterest income to average assets | 0.2463% | 6,489 |
| Noninterest expense to average assets | 2.8038% | 4,546 |
| Loan and lease loss provision to assets | 0.0347% | 6,508 |
| Net operating income to assets | -0.3157% | 6,698 |
| Return on assets (ROA) | -0.3157% | 6,775 |
| Pretax return on assets | -0.5052% | 6,825 |
| Return on Equity (ROE) | -2.1488% | 6,679 |
| Retained earnings to average equity (ytd only) | -2.1488% | 6,130 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1624% | 629 |
| Assets per employee ($millions) | 5.2618% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,800 |
| Loan loss allowance to noncurrent loans | 464.0000% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 7,233 |
| Noncurrent loans to loans | 0.2268% | 6,888 |
| Net loans and leases to total assets | 51.8130% | 6,707 |
| Net loans and leases to deposits | 68.4231% | 6,142 |
| Net loans and leases to core deposits | 88.5759% | 5,687 |
| Total domestic deposits to total assets | 75.7244% | 6,571 |
| Equity capital to assets | 14.5958% | 1,210 |
| Core capital (leverage) ratio | 14.0523% | 1,180 |
| Tier 1 risk-based capital ratio | 21.9217% | 1,308 |
| Total risk-based capital ratio | 22.7883% | 1,333 |
| Memoranda: | ||
| Average total assets | $126,686,500 | 4,475 |
| Average earning assets | $110,632,500 | 4,623 |
| Average equity | $18,615,000 | 3,464 |
| Average total loans | $66,102,500 | 5,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 7,029 |
| Cost of funding earning assets | 2.9691% | 1,989 |
| Net interest margin | 2.6416% | 7,592 |
| Noninterest income to average assets | 0.3135% | 6,206 |
| Noninterest expense to average assets | 2.7961% | 4,832 |
| Loan and lease loss provision to assets | 0.1045% | 6,043 |
| Net operating income to assets | -0.1888% | 6,611 |
| Return on assets (ROA) | -0.1134% | 6,368 |
| Pretax return on assets | -0.1672% | 6,343 |
| Return on Equity (ROE) | -0.7604% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.7604% | 5,531 |
| Net charge-offs to loans | 0.2096% | 4,112 |
| Credit loss provision to net charge-offs | 97.0149% | 5,480 |
| Earnings coverage of net charge-offs (x) | -1.6119% | 6,679 |
| Efficiency ratio | 106.6217% | 796 |
| Assets per employee ($millions) | 5.0836% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.4541% | 6,896 |
| Net loans and leases to deposits | 70.2750% | 6,244 |
| Net loans and leases to core deposits | 93.7212% | 5,469 |
| Total domestic deposits to total assets | 73.2182% | 6,790 |
| Equity capital to assets | 14.7911% | 1,218 |
| Core capital (leverage) ratio | 14.4117% | 1,161 |
| Tier 1 risk-based capital ratio | 21.6247% | 1,367 |
| Total risk-based capital ratio | 22.4510% | 1,402 |
| Memoranda: | ||
| Average total assets | $124,388,600 | 4,409 |
| Average earning assets | $108,720,200 | 4,538 |
| Average equity | $18,543,400 | 3,469 |
| Average total loans | $63,927,800 | 5,100 |