Home > First Community Bank of Homer Glen & Lockport > Performance and Condition Ratios
First Community Bank of Homer Glen & Lockport, Performance and Condition Ratios
| 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 | 4.7934% | 2,222 |
| Cost of funding earning assets | 0.8520% | 2,274 |
| Net interest margin | 3.9414% | 2,642 |
| Noninterest income to average assets | 0.1436% | 6,314 |
| Noninterest expense to average assets | 3.0630% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7889% | 3,331 |
| Return on assets (ROA) | 0.7889% | 3,583 |
| Pretax return on assets | 0.7889% | 4,336 |
| Return on Equity (ROE) | 7.0981% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.0981% | 1,524 |
| Net charge-offs to loans | 0.7198% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.4509% | 4,721 |
| Efficiency ratio | 79.5185% | 2,210 |
| Assets per employee ($millions) | 8.1237% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2435% | 239 |
| Loan loss allowance to noncurrent loans | 90.7875% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 5.1865% | 735 |
| Noncurrent loans to loans | 4.6741% | 892 |
| Net loans and leases to total assets | 75.4312% | 1,000 |
| Net loans and leases to deposits | 86.6852% | 1,417 |
| Net loans and leases to core deposits | 93.7511% | 1,487 |
| Total domestic deposits to total assets | 87.0174% | 2,836 |
| Equity capital to assets | 12.5176% | 1,702 |
| Core capital (leverage) ratio | 11.9723% | 1,579 |
| Tier 1 risk-based capital ratio | 15.2853% | 3,554 |
| Total risk-based capital ratio | 16.5702% | 3,487 |
| Memoranda: | ||
| Average total assets | $78,713,400 | 5,392 |
| Average earning assets | $74,059,400 | 5,310 |
| Average equity | $8,748,800 | 5,288 |
| Average total loans | $59,458,400 | 4,736 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,495 |
| Cost of funding earning assets | 0.8863% | 2,261 |
| Net interest margin | 3.8865% | 2,963 |
| Noninterest income to average assets | 0.1648% | 6,319 |
| Noninterest expense to average assets | 2.9574% | 3,380 |
| Loan and lease loss provision to assets | 0.3245% | 2,023 |
| Net operating income to assets | 0.5392% | 4,667 |
| Return on assets (ROA) | 0.5392% | 4,933 |
| Pretax return on assets | 0.5392% | 5,346 |
| Return on Equity (ROE) | 4.9953% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.9953% | 3,368 |
| Net charge-offs to loans | 0.9523% | 1,127 |
| Credit loss provision to net charge-offs | 45.5607% | 4,501 |
| Earnings coverage of net charge-offs (x) | 1.2126% | 4,693 |
| Efficiency ratio | 77.3955% | 2,469 |
| Assets per employee ($millions) | 8.6128% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5631% | 198 |
| Loan loss allowance to noncurrent loans | 86.6098% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 5.3499% | 808 |
| Noncurrent loans to loans | 5.2686% | 832 |
| Net loans and leases to total assets | 71.2043% | 1,694 |
| Net loans and leases to deposits | 80.7378% | 2,282 |
| Net loans and leases to core deposits | 87.5303% | 2,272 |
| Total domestic deposits to total assets | 88.1920% | 1,925 |
| Equity capital to assets | 11.4210% | 2,827 |
| Core capital (leverage) ratio | 11.1659% | 2,240 |
| Tier 1 risk-based capital ratio | 14.8107% | 3,972 |
| Total risk-based capital ratio | 16.1001% | 3,903 |
| Memoranda: | ||
| Average total assets | $80,113,500 | 5,398 |
| Average earning assets | $75,370,750 | 5,312 |
| Average equity | $8,648,000 | 5,365 |
| Average total loans | $59,924,500 | 4,768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 2,504 |
| Cost of funding earning assets | 0.9430% | 2,098 |
| Net interest margin | 3.8581% | 3,101 |
| Noninterest income to average assets | 0.1284% | 6,544 |
| Noninterest expense to average assets | 2.8180% | 3,944 |
| Loan and lease loss provision to assets | 0.3705% | 1,769 |
| Net operating income to assets | 0.5878% | 4,417 |
| Return on assets (ROA) | 0.5878% | 4,680 |
| Pretax return on assets | 0.5878% | 5,183 |
| Return on Equity (ROE) | 5.5480% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.5480% | 2,963 |
| Net charge-offs to loans | 1.4120% | 722 |
| Credit loss provision to net charge-offs | 35.0467% | 4,356 |
| Earnings coverage of net charge-offs (x) | 0.9065% | 4,585 |
| Efficiency ratio | 74.6239% | 2,964 |
| Assets per employee ($millions) | 9.0111% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4042% | 250 |
| Loan loss allowance to noncurrent loans | 84.1115% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 5.1591% | 910 |
| Noncurrent loans to loans | 5.2362% | 916 |
| Net loans and leases to total assets | 69.4254% | 2,020 |
| Net loans and leases to deposits | 78.1360% | 2,647 |
| Net loans and leases to core deposits | 84.3240% | 2,647 |
| Total domestic deposits to total assets | 88.8520% | 1,605 |
| Equity capital to assets | 10.7867% | 3,355 |
| Core capital (leverage) ratio | 10.9159% | 2,380 |
| Tier 1 risk-based capital ratio | 14.6503% | 3,998 |
| Total risk-based capital ratio | 15.9391% | 3,938 |
| Memoranda: | ||
| Average total assets | $80,979,670 | 5,409 |
| Average earning assets | $76,566,330 | 5,314 |
| Average equity | $8,579,670 | 5,391 |
| Average total loans | $60,621,670 | 4,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 3,119 |
| Cost of funding earning assets | 1.0587% | 1,626 |
| Net interest margin | 3.6245% | 4,155 |
| Noninterest income to average assets | 0.1384% | 6,555 |
| Noninterest expense to average assets | 2.6940% | 4,443 |
| Loan and lease loss provision to assets | 0.5190% | 1,162 |
| Net operating income to assets | 0.3609% | 5,424 |
| Return on assets (ROA) | 0.3609% | 5,607 |
| Pretax return on assets | 0.3609% | 5,830 |
| Return on Equity (ROE) | 3.4371% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.4371% | 4,514 |
| Net charge-offs to loans | -0.0130% | 6,030 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3804% | 2,869 |
| Assets per employee ($millions) | 8.7351% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0271% | 176 |
| Loan loss allowance to noncurrent loans | 62.6367% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 6.7467% | 650 |
| Noncurrent loans to loans | 8.0258% | 483 |
| Net loans and leases to total assets | 71.5885% | 1,471 |
| Net loans and leases to deposits | 80.6662% | 2,110 |
| Net loans and leases to core deposits | 85.9670% | 2,294 |
| Total domestic deposits to total assets | 88.7466% | 1,852 |
| Equity capital to assets | 10.8769% | 3,056 |
| Core capital (leverage) ratio | 10.6667% | 2,584 |
| Tier 1 risk-based capital ratio | 14.6612% | 3,978 |
| Total risk-based capital ratio | 15.9592% | 3,906 |
| Memoranda: | ||
| Average total assets | $80,919,500 | 5,445 |
| Average earning assets | $76,700,000 | 5,336 |
| Average equity | $8,495,500 | 5,432 |
| Average total loans | $61,483,500 | 4,754 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 3,605 |
| Cost of funding earning assets | 1.4380% | 888 |
| Net interest margin | 3.4066% | 5,463 |
| Noninterest income to average assets | -0.1399% | 7,127 |
| Noninterest expense to average assets | 2.5315% | 5,347 |
| Loan and lease loss provision to assets | 0.3121% | 3,173 |
| Net operating income to assets | 0.2890% | 5,295 |
| Return on assets (ROA) | 0.2890% | 5,452 |
| Pretax return on assets | 0.2890% | 5,591 |
| Return on Equity (ROE) | 3.0307% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.0307% | 4,073 |
| Net charge-offs to loans | 3.1862% | 280 |
| Credit loss provision to net charge-offs | 12.1731% | 5,996 |
| Earnings coverage of net charge-offs (x) | 0.2344% | 5,651 |
| Efficiency ratio | 80.8118% | 2,185 |
| Assets per employee ($millions) | 10.4029% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5081% | 254 |
| Loan loss allowance to noncurrent loans | 130.0136% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 3.3128% | 1,795 |
| Noncurrent loans to loans | 3.4674% | 1,852 |
| Net loans and leases to total assets | 73.1000% | 1,432 |
| Net loans and leases to deposits | 81.6558% | 2,250 |
| Net loans and leases to core deposits | 86.6425% | 2,553 |
| Total domestic deposits to total assets | 89.5221% | 1,253 |
| Equity capital to assets | 10.1414% | 3,981 |
| Core capital (leverage) ratio | 10.0436% | 3,284 |
| Tier 1 risk-based capital ratio | 13.6937% | 4,560 |
| Total risk-based capital ratio | 14.9851% | 4,495 |
| Memoranda: | ||
| Average total assets | $86,511,200 | 5,275 |
| Average earning assets | $83,103,200 | 5,139 |
| Average equity | $8,248,800 | 5,498 |
| Average total loans | $69,611,800 | 4,505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 4,060 |
| Cost of funding earning assets | 1.5065% | 837 |
| Net interest margin | 3.2836% | 5,907 |
| Noninterest income to average assets | 0.0519% | 6,948 |
| Noninterest expense to average assets | 2.5770% | 5,164 |
| Loan and lease loss provision to assets | 0.4122% | 2,403 |
| Net operating income to assets | 0.2305% | 5,617 |
| Return on assets (ROA) | 0.2305% | 5,755 |
| Pretax return on assets | 0.2305% | 5,844 |
| Return on Equity (ROE) | 2.4549% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.4549% | 4,892 |
| Net charge-offs to loans | 3.7511% | 189 |
| Credit loss provision to net charge-offs | 13.5000% | 5,636 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 5,437 |
| Efficiency ratio | 80.0379% | 2,248 |
| Assets per employee ($millions) | 10.7154% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5038% | 264 |
| Loan loss allowance to noncurrent loans | 60.3869% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 6.9760% | 709 |
| Noncurrent loans to loans | 7.4582% | 635 |
| Net loans and leases to total assets | 76.4311% | 919 |
| Net loans and leases to deposits | 85.0565% | 1,825 |
| Net loans and leases to core deposits | 92.1116% | 1,985 |
| Total domestic deposits to total assets | 89.8592% | 943 |
| Equity capital to assets | 9.7220% | 4,741 |
| Core capital (leverage) ratio | 9.4279% | 4,256 |
| Tier 1 risk-based capital ratio | 12.7005% | 5,330 |
| Total risk-based capital ratio | 13.9937% | 5,276 |
| Memoranda: | ||
| Average total assets | $87,333,250 | 5,290 |
| Average earning assets | $84,254,750 | 5,151 |
| Average equity | $8,201,000 | 5,538 |
| Average total loans | $71,087,750 | 4,487 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 4,616 |
| Cost of funding earning assets | 1.5095% | 977 |
| Net interest margin | 3.1718% | 6,237 |
| Noninterest income to average assets | 0.0546% | 7,030 |
| Noninterest expense to average assets | 2.5105% | 5,489 |
| Loan and lease loss provision to assets | 0.4097% | 2,385 |
| Net operating income to assets | 0.2048% | 5,725 |
| Return on assets (ROA) | 0.2048% | 5,839 |
| Pretax return on assets | 0.2048% | 5,927 |
| Return on Equity (ROE) | 2.2068% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.2068% | 4,889 |
| Net charge-offs to loans | 5.9488% | 85 |
| Credit loss provision to net charge-offs | 8.4151% | 5,267 |
| Earnings coverage of net charge-offs (x) | 0.1262% | 5,203 |
| Efficiency ratio | 80.3350% | 2,332 |
| Assets per employee ($millions) | 11.0024% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2549% | 344 |
| Loan loss allowance to noncurrent loans | 45.5066% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 8.1232% | 558 |
| Noncurrent loans to loans | 9.3501% | 437 |
| Net loans and leases to total assets | 73.1422% | 1,566 |
| Net loans and leases to deposits | 81.0084% | 2,616 |
| Net loans and leases to core deposits | 87.3149% | 2,724 |
| Total domestic deposits to total assets | 90.2896% | 822 |
| Equity capital to assets | 9.3639% | 5,051 |
| Core capital (leverage) ratio | 9.9870% | 3,279 |
| Tier 1 risk-based capital ratio | 12.4810% | 5,366 |
| Total risk-based capital ratio | 13.7689% | 5,302 |
| Memoranda: | ||
| Average total assets | $87,870,000 | 5,316 |
| Average earning assets | $85,062,670 | 5,159 |
| Average equity | $8,156,670 | 5,560 |
| Average total loans | $71,914,000 | 4,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 4,678 |
| Cost of funding earning assets | 1.5702% | 915 |
| Net interest margin | 3.0936% | 6,366 |
| Noninterest income to average assets | 0.0501% | 7,137 |
| Noninterest expense to average assets | 2.4329% | 5,783 |
| Loan and lease loss provision to assets | 0.4100% | 2,141 |
| Net operating income to assets | 0.2232% | 5,709 |
| Return on assets (ROA) | 0.2232% | 5,771 |
| Pretax return on assets | 0.2232% | 5,887 |
| Return on Equity (ROE) | 2.4156% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.4156% | 4,699 |
| Net charge-offs to loans | -0.0269% | 6,674 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3462% | 2,639 |
| Assets per employee ($millions) | 10.2393% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6876% | 73 |
| Loan loss allowance to noncurrent loans | 47.7138% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 12.5754% | 236 |
| Noncurrent loans to loans | 14.0161% | 183 |
| Net loans and leases to total assets | 83.7207% | 241 |
| Net loans and leases to deposits | 93.4064% | 883 |
| Net loans and leases to core deposits | 101.2550% | 1,254 |
| Total domestic deposits to total assets | 89.6306% | 1,408 |
| Equity capital to assets | 9.9556% | 3,831 |
| Core capital (leverage) ratio | 9.1649% | 4,350 |
| Tier 1 risk-based capital ratio | 12.0886% | 5,610 |
| Total risk-based capital ratio | 13.4130% | 5,535 |
| Memoranda: | ||
| Average total assets | $87,795,500 | 5,363 |
| Average earning assets | $85,595,500 | 5,168 |
| Average equity | $8,114,000 | 5,572 |
| Average total loans | $74,251,000 | 4,450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 5,436 |
| Cost of funding earning assets | 1.9402% | 739 |
| Net interest margin | 2.8537% | 6,968 |
| Noninterest income to average assets | 0.0403% | 7,155 |
| Noninterest expense to average assets | 2.7789% | 4,676 |
| Loan and lease loss provision to assets | 7.3611% | 22 |
| Net operating income to assets | -7.3135% | 7,607 |
| Return on assets (ROA) | -7.3135% | 7,609 |
| Pretax return on assets | -7.3135% | 7,613 |
| Return on Equity (ROE) | -69.1561% | 7,516 |
| Retained earnings to average equity (ytd only) | -69.1561% | 7,515 |
| Net charge-offs to loans | 4.7687% | 205 |
| Credit loss provision to net charge-offs | 191.4693% | 1,680 |
| Earnings coverage of net charge-offs (x) | 0.0124% | 6,113 |
| Efficiency ratio | 98.3163% | 859 |
| Assets per employee ($millions) | 10.4086% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4260% | 85 |
| Loan loss allowance to noncurrent loans | 61.9776% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 8.3019% | 576 |
| Noncurrent loans to loans | 10.3682% | 394 |
| Net loans and leases to total assets | 74.9255% | 1,489 |
| Net loans and leases to deposits | 82.4887% | 2,716 |
| Net loans and leases to core deposits | 89.4981% | 2,830 |
| Total domestic deposits to total assets | 90.8313% | 675 |
| Equity capital to assets | 8.6179% | 5,698 |
| Core capital (leverage) ratio | 8.2573% | 5,748 |
| Tier 1 risk-based capital ratio | 11.6459% | 5,777 |
| Total risk-based capital ratio | 12.9660% | 5,717 |
| Memoranda: | ||
| Average total assets | $96,657,000 | 5,088 |
| Average earning assets | $94,369,800 | 4,884 |
| Average equity | $10,221,800 | 5,070 |
| Average total loans | $77,925,000 | 4,391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 5,109 |
| Cost of funding earning assets | 2.0081% | 731 |
| Net interest margin | 2.9264% | 6,968 |
| Noninterest income to average assets | 0.0397% | 7,323 |
| Noninterest expense to average assets | 2.6597% | 5,066 |
| Loan and lease loss provision to assets | 6.0846% | 46 |
| Net operating income to assets | -5.8519% | 7,688 |
| Return on assets (ROA) | -5.8519% | 7,692 |
| Pretax return on assets | -5.8519% | 7,685 |
| Return on Equity (ROE) | -52.9776% | 7,577 |
| Retained earnings to average equity (ytd only) | -52.9776% | 7,575 |
| Net charge-offs to loans | 0.9866% | 2,031 |
| Credit loss provision to net charge-offs | 763.7457% | 388 |
| Earnings coverage of net charge-offs (x) | 0.2921% | 5,736 |
| Efficiency ratio | 91.9546% | 1,128 |
| Assets per employee ($millions) | 8.3563% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6440% | 79 |
| Loan loss allowance to noncurrent loans | 77.7516% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 6.7774% | 818 |
| Noncurrent loans to loans | 8.5452% | 579 |
| Net loans and leases to total assets | 74.0424% | 1,797 |
| Net loans and leases to deposits | 83.3223% | 2,832 |
| Net loans and leases to core deposits | 92.5714% | 2,717 |
| Total domestic deposits to total assets | 88.8626% | 1,470 |
| Equity capital to assets | 10.8292% | 3,139 |
| Core capital (leverage) ratio | 10.2325% | 3,001 |
| Tier 1 risk-based capital ratio | 15.2102% | 3,150 |
| Total risk-based capital ratio | 16.5357% | 3,071 |
| Memoranda: | ||
| Average total assets | $97,402,000 | 5,127 |
| Average earning assets | $94,948,000 | 4,928 |
| Average equity | $10,759,000 | 4,986 |
| Average total loans | $78,654,250 | 4,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 5,271 |
| Cost of funding earning assets | 2.0481% | 777 |
| Net interest margin | 2.8814% | 7,029 |
| Noninterest income to average assets | 0.0435% | 7,361 |
| Noninterest expense to average assets | 2.7373% | 4,748 |
| Loan and lease loss provision to assets | 1.9700% | 624 |
| Net operating income to assets | -1.8601% | 7,271 |
| Return on assets (ROA) | -1.8601% | 7,277 |
| Pretax return on assets | -1.8601% | 7,194 |
| Return on Equity (ROE) | -16.7262% | 7,194 |
| Retained earnings to average equity (ytd only) | -16.7262% | 7,159 |
| Net charge-offs to loans | -0.3012% | 7,690 |
| Credit loss provision to net charge-offs | -805.0847% | 6,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1398% | 956 |
| Assets per employee ($millions) | 8.7531% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0455% | 789 |
| Loan loss allowance to noncurrent loans | 91.2725% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 2.5962% | 2,795 |
| Noncurrent loans to loans | 3.3367% | 2,393 |
| Net loans and leases to total assets | 75.4382% | 1,606 |
| Net loans and leases to deposits | 83.8595% | 2,890 |
| Net loans and leases to core deposits | 93.0165% | 2,842 |
| Total domestic deposits to total assets | 89.9578% | 936 |
| Equity capital to assets | 9.7128% | 4,390 |
| Core capital (leverage) ratio | 10.2882% | 2,844 |
| Tier 1 risk-based capital ratio | 13.0642% | 4,386 |
| Total risk-based capital ratio | 14.3386% | 4,324 |
| Memoranda: | ||
| Average total assets | $96,444,330 | 5,182 |
| Average earning assets | $93,844,670 | 4,991 |
| Average equity | $10,725,670 | 4,995 |
| Average total loans | $78,362,330 | 4,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 4,323 |
| Cost of funding earning assets | 2.1428% | 701 |
| Net interest margin | 3.0017% | 6,829 |
| Noninterest income to average assets | 0.0304% | 7,559 |
| Noninterest expense to average assets | 2.8650% | 4,202 |
| Loan and lease loss provision to assets | 0.5643% | 2,247 |
| Net operating income to assets | -0.4862% | 6,817 |
| Return on assets (ROA) | -0.4862% | 6,842 |
| Pretax return on assets | -0.4862% | 6,768 |
| Return on Equity (ROE) | -4.0774% | 6,826 |
| Retained earnings to average equity (ytd only) | -4.0774% | 6,505 |
| Net charge-offs to loans | -0.6155% | 7,817 |
| Credit loss provision to net charge-offs | -110.1695% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3451% | 950 |
| Assets per employee ($millions) | 7.0062% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1800% | 1,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 82.2233% | 567 |
| Net loans and leases to deposits | 93.9082% | 1,358 |
| Net loans and leases to core deposits | 102.3032% | 1,871 |
| Total domestic deposits to total assets | 87.5571% | 2,328 |
| Equity capital to assets | 12.0213% | 2,031 |
| Core capital (leverage) ratio | 11.8651% | 1,714 |
| Tier 1 risk-based capital ratio | 14.6442% | 3,296 |
| Total risk-based capital ratio | 15.9068% | 3,253 |
| Memoranda: | ||
| Average total assets | $92,148,000 | 5,382 |
| Average earning assets | $89,415,000 | 5,181 |
| Average equity | $10,987,500 | 4,977 |
| Average total loans | $76,680,000 | 4,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 7,045 |
| Cost of funding earning assets | 2.8587% | 364 |
| Net interest margin | 1.8934% | 7,782 |
| Noninterest income to average assets | 0.0340% | 7,574 |
| Noninterest expense to average assets | 2.4516% | 6,299 |
| Loan and lease loss provision to assets | 0.9190% | 2,442 |
| Net operating income to assets | -1.6121% | 6,910 |
| Return on assets (ROA) | -1.6121% | 6,918 |
| Pretax return on assets | -1.6121% | 6,767 |
| Return on Equity (ROE) | -11.8664% | 6,758 |
| Retained earnings to average equity (ytd only) | -11.8664% | 6,669 |
| Net charge-offs to loans | 0.4871% | 3,822 |
| Credit loss provision to net charge-offs | 254.8701% | 1,381 |
| Earnings coverage of net charge-offs (x) | -1.9221% | 6,994 |
| Efficiency ratio | 139.4141% | 388 |
| Assets per employee ($millions) | 6.6583% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 2,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.8670% | 856 |
| Net loans and leases to deposits | 92.0920% | 1,884 |
| Net loans and leases to core deposits | 177.0962% | 179 |
| Total domestic deposits to total assets | 87.8111% | 2,068 |
| Equity capital to assets | 11.8284% | 2,118 |
| Core capital (leverage) ratio | 12.4010% | 1,491 |
| Tier 1 risk-based capital ratio | 14.6298% | 3,139 |
| Total risk-based capital ratio | 15.8320% | 3,112 |
| Memoranda: | ||
| Average total assets | $85,414,800 | 5,546 |
| Average earning assets | $77,797,400 | 5,533 |
| Average equity | $11,604,200 | 4,839 |
| Average total loans | $63,232,600 | 5,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 7,385 |
| Cost of funding earning assets | 3.0423% | 289 |
| Net interest margin | 1.5801% | 7,935 |
| Noninterest income to average assets | 0.0335% | 7,716 |
| Noninterest expense to average assets | 2.4728% | 6,165 |
| Loan and lease loss provision to assets | 0.8498% | 2,253 |
| Net operating income to assets | -1.8754% | 7,262 |
| Return on assets (ROA) | -1.8754% | 7,267 |
| Pretax return on assets | -1.8754% | 7,124 |
| Return on Equity (ROE) | -13.3230% | 7,094 |
| Retained earnings to average equity (ytd only) | -13.3230% | 7,030 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.8609% | 231 |
| Assets per employee ($millions) | 5.9110% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 1,553 |
| Loan loss allowance to noncurrent loans | 347.2941% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 6,181 |
| Noncurrent loans to loans | 0.6125% | 6,080 |
| Net loans and leases to total assets | 82.0673% | 800 |
| Net loans and leases to deposits | 95.4371% | 1,653 |
| Net loans and leases to core deposits | 188.2526% | 144 |
| Total domestic deposits to total assets | 85.9910% | 2,710 |
| Equity capital to assets | 13.5232% | 1,489 |
| Core capital (leverage) ratio | 13.9995% | 1,092 |
| Tier 1 risk-based capital ratio | 16.1539% | 2,577 |
| Total risk-based capital ratio | 17.4143% | 2,508 |
| Memoranda: | ||
| Average total assets | $83,464,500 | 5,635 |
| Average earning assets | $74,679,000 | 5,686 |
| Average equity | $11,748,750 | 4,853 |
| Average total loans | $59,840,250 | 5,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 7,659 |
| Cost of funding earning assets | 3.2752% | 222 |
| Net interest margin | 1.1825% | 8,076 |
| Noninterest income to average assets | 0.0215% | 7,862 |
| Noninterest expense to average assets | 2.2652% | 6,863 |
| Loan and lease loss provision to assets | 0.9916% | 1,700 |
| Net operating income to assets | -2.2079% | 7,483 |
| Return on assets (ROA) | -2.2079% | 7,481 |
| Pretax return on assets | -2.2079% | 7,347 |
| Return on Equity (ROE) | -15.4843% | 7,352 |
| Retained earnings to average equity (ytd only) | -15.4843% | 7,266 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.9453% | 167 |
| Assets per employee ($millions) | 8.1468% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 1,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.0095% | 3,461 |
| Net loans and leases to deposits | 83.0713% | 4,032 |
| Net loans and leases to core deposits | 183.5576% | 193 |
| Total domestic deposits to total assets | 85.4802% | 3,025 |
| Equity capital to assets | 14.0067% | 1,309 |
| Core capital (leverage) ratio | 13.8389% | 1,181 |
| Tier 1 risk-based capital ratio | 17.5750% | 2,121 |
| Total risk-based capital ratio | 18.8354% | 2,074 |
| Memoranda: | ||
| Average total assets | $83,701,330 | 5,673 |
| Average earning assets | $72,727,330 | 5,799 |
| Average equity | $11,934,670 | 4,830 |
| Average total loans | $56,657,000 | 5,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 7,775 |
| Cost of funding earning assets | 3.3957% | 206 |
| Net interest margin | 1.0332% | 8,158 |
| Noninterest income to average assets | 0.0189% | 7,983 |
| Noninterest expense to average assets | 1.9854% | 7,386 |
| Loan and lease loss provision to assets | 0.3443% | 3,262 |
| Net operating income to assets | -1.4384% | 7,472 |
| Return on assets (ROA) | -1.4384% | 7,488 |
| Pretax return on assets | -1.4384% | 7,346 |
| Return on Equity (ROE) | -10.0029% | 7,365 |
| Retained earnings to average equity (ytd only) | -10.0029% | 7,111 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.7513% | 155 |
| Assets per employee ($millions) | 9.5341% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 1,658 |
| 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% | 7,590 |
| Net loans and leases to total assets | 61.7164% | 5,385 |
| Net loans and leases to deposits | 72.2292% | 5,716 |
| Net loans and leases to core deposits | 145.1991% | 894 |
| Total domestic deposits to total assets | 85.4452% | 2,992 |
| Equity capital to assets | 14.0315% | 1,356 |
| Core capital (leverage) ratio | 14.4754% | 1,092 |
| Tier 1 risk-based capital ratio | 20.0203% | 1,619 |
| Total risk-based capital ratio | 21.2756% | 1,573 |
| Memoranda: | ||
| Average total assets | $84,818,000 | 5,650 |
| Average earning assets | $71,619,500 | 5,858 |
| Average equity | $12,196,500 | 4,789 |
| Average total loans | $55,381,000 | 5,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3303% | 8,291 |
| Cost of funding earning assets | 0.2290% | 8,233 |
| Net interest margin | 0.1013% | 8,291 |
| Noninterest income to average assets | 0.0418% | 7,928 |
| Noninterest expense to average assets | 0.3793% | 8,270 |
| Loan and lease loss provision to assets | 1.1261% | 1,290 |
| Net operating income to assets | -1.3862% | 7,420 |
| Return on assets (ROA) | -3.1839% | 7,836 |
| Pretax return on assets | -3.1839% | 7,751 |
| Return on Equity (ROE) | -21.6061% | 7,793 |
| Retained earnings to average equity (ytd only) | -21.6061% | 7,721 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 318.0000% | 93 |
| Assets per employee ($millions) | 10.4786% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 2,023 |
| 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 | 66.6166% | 4,726 |
| Net loans and leases to deposits | 78.8278% | 5,224 |
| Net loans and leases to core deposits | 148.8340% | 893 |
| Total domestic deposits to total assets | 84.5089% | 3,075 |
| Equity capital to assets | 14.7360% | 1,237 |
| Core capital (leverage) ratio | 21.0162% | 373 |
| Tier 1 risk-based capital ratio | 21.5345% | 1,385 |
| Total risk-based capital ratio | 22.7902% | 1,349 |
| Memoranda: | ||
| Average total assets | $83,829,000 | 5,569 |
| Average earning assets | $64,192,000 | 6,013 |
| Average equity | $12,353,000 | 4,738 |
| Average total loans | $56,788,000 | 5,415 |