Home > First Community Bank of Joliet > Performance and Condition Ratios
First Community Bank of Joliet, 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 | 4.5225% | 3,311 |
| Cost of funding earning assets | 1.0845% | 961 |
| Net interest margin | 3.4381% | 4,754 |
| Noninterest income to average assets | 0.0101% | 6,798 |
| Noninterest expense to average assets | 2.3209% | 5,632 |
| Loan and lease loss provision to assets | 1.1206% | 329 |
| Net operating income to assets | -0.1526% | 6,343 |
| Return on assets (ROA) | -0.1526% | 6,422 |
| Pretax return on assets | -0.1526% | 6,396 |
| Return on Equity (ROE) | -1.6877% | 6,437 |
| Retained earnings to average equity (ytd only) | -1.6877% | 6,119 |
| Net charge-offs to loans | 2.4693% | 249 |
| Credit loss provision to net charge-offs | 61.0793% | 4,418 |
| Earnings coverage of net charge-offs (x) | 0.5276% | 5,223 |
| Efficiency ratio | 70.5676% | 3,695 |
| Assets per employee ($millions) | 7.9014% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2797% | 230 |
| Loan loss allowance to noncurrent loans | 68.2205% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 4.7686% | 837 |
| Noncurrent loans to loans | 6.2734% | 551 |
| Net loans and leases to total assets | 66.4867% | 2,457 |
| Net loans and leases to deposits | 77.8773% | 2,553 |
| Net loans and leases to core deposits | 95.3364% | 1,357 |
| Total domestic deposits to total assets | 85.3737% | 3,675 |
| Equity capital to assets | 9.2646% | 5,189 |
| Core capital (leverage) ratio | 9.0412% | 4,828 |
| Tier 1 risk-based capital ratio | 12.1800% | 5,666 |
| Total risk-based capital ratio | 13.4640% | 5,603 |
| Memoranda: | ||
| Average total assets | $484,816,000 | 1,374 |
| Average earning assets | $462,353,200 | 1,318 |
| Average equity | $43,845,600 | 1,591 |
| Average total loans | $360,217,400 | 1,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 3,033 |
| Cost of funding earning assets | 1.1444% | 881 |
| Net interest margin | 3.5020% | 4,637 |
| Noninterest income to average assets | 0.0175% | 6,895 |
| Noninterest expense to average assets | 2.3764% | 5,469 |
| Loan and lease loss provision to assets | 1.2288% | 292 |
| Net operating income to assets | -0.2508% | 6,532 |
| Return on assets (ROA) | -0.2508% | 6,599 |
| Pretax return on assets | -0.2508% | 6,566 |
| Return on Equity (ROE) | -2.7897% | 6,613 |
| Retained earnings to average equity (ytd only) | -2.7897% | 6,464 |
| Net charge-offs to loans | 2.1343% | 319 |
| Credit loss provision to net charge-offs | 76.2818% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 5,016 |
| Efficiency ratio | 70.8439% | 3,526 |
| Assets per employee ($millions) | 8.1617% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6655% | 187 |
| Loan loss allowance to noncurrent loans | 74.3409% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 5.0204% | 891 |
| Noncurrent loans to loans | 6.2758% | 627 |
| Net loans and leases to total assets | 68.5663% | 2,202 |
| Net loans and leases to deposits | 81.4269% | 2,194 |
| Net loans and leases to core deposits | 100.8368% | 1,062 |
| Total domestic deposits to total assets | 84.2060% | 4,127 |
| Equity capital to assets | 9.0973% | 5,715 |
| Core capital (leverage) ratio | 9.0673% | 4,966 |
| Tier 1 risk-based capital ratio | 11.6805% | 6,129 |
| Total risk-based capital ratio | 12.9697% | 6,085 |
| Memoranda: | ||
| Average total assets | $487,499,000 | 1,380 |
| Average earning assets | $464,526,500 | 1,332 |
| Average equity | $43,826,500 | 1,607 |
| Average total loans | $367,947,750 | 1,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 2,714 |
| Cost of funding earning assets | 1.2007% | 820 |
| Net interest margin | 3.5501% | 4,462 |
| Noninterest income to average assets | 0.1553% | 6,423 |
| Noninterest expense to average assets | 2.3796% | 5,527 |
| Loan and lease loss provision to assets | 1.5322% | 231 |
| Net operating income to assets | -0.3800% | 6,666 |
| Return on assets (ROA) | -0.3800% | 6,719 |
| Pretax return on assets | -0.3800% | 6,688 |
| Return on Equity (ROE) | -4.2434% | 6,737 |
| Retained earnings to average equity (ytd only) | -4.2434% | 6,571 |
| Net charge-offs to loans | 2.1282% | 372 |
| Credit loss provision to net charge-offs | 93.9379% | 2,932 |
| Earnings coverage of net charge-offs (x) | 0.7064% | 4,699 |
| Efficiency ratio | 67.3762% | 4,261 |
| Assets per employee ($millions) | 7.4197% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8225% | 190 |
| Loan loss allowance to noncurrent loans | 73.2515% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 5.4300% | 830 |
| Noncurrent loans to loans | 6.5835% | 629 |
| Net loans and leases to total assets | 71.9561% | 1,559 |
| Net loans and leases to deposits | 83.3076% | 1,944 |
| Net loans and leases to core deposits | 96.5813% | 1,387 |
| Total domestic deposits to total assets | 86.3739% | 3,152 |
| Equity capital to assets | 9.1671% | 5,501 |
| Core capital (leverage) ratio | 8.8397% | 5,145 |
| Tier 1 risk-based capital ratio | 11.3570% | 6,308 |
| Total risk-based capital ratio | 12.6471% | 6,256 |
| Memoranda: | ||
| Average total assets | $489,486,000 | 1,377 |
| Average earning assets | $465,561,000 | 1,328 |
| Average equity | $43,833,000 | 1,596 |
| Average total loans | $375,153,330 | 1,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 2,297 |
| Cost of funding earning assets | 1.2700% | 719 |
| Net interest margin | 3.6170% | 4,192 |
| Noninterest income to average assets | 0.1224% | 6,642 |
| Noninterest expense to average assets | 2.2391% | 5,944 |
| Loan and lease loss provision to assets | 1.5097% | 223 |
| Net operating income to assets | -0.1981% | 6,635 |
| Return on assets (ROA) | -0.1981% | 6,685 |
| Pretax return on assets | -0.1981% | 6,662 |
| Return on Equity (ROE) | -2.2372% | 6,709 |
| Retained earnings to average equity (ytd only) | -2.2372% | 6,315 |
| Net charge-offs to loans | 1.0834% | 952 |
| Credit loss provision to net charge-offs | 180.6358% | 1,435 |
| Earnings coverage of net charge-offs (x) | 1.5694% | 3,546 |
| Efficiency ratio | 63.0612% | 5,091 |
| Assets per employee ($millions) | 7.7683% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0125% | 177 |
| Loan loss allowance to noncurrent loans | 64.1350% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 6.7251% | 654 |
| Noncurrent loans to loans | 7.8155% | 502 |
| Net loans and leases to total assets | 71.2156% | 1,533 |
| Net loans and leases to deposits | 81.7226% | 1,971 |
| Net loans and leases to core deposits | 95.3524% | 1,347 |
| Total domestic deposits to total assets | 87.1431% | 2,864 |
| Equity capital to assets | 8.9840% | 5,521 |
| Core capital (leverage) ratio | 8.7006% | 5,292 |
| Tier 1 risk-based capital ratio | 11.2715% | 6,406 |
| Total risk-based capital ratio | 12.5653% | 6,362 |
| Memoranda: | ||
| Average total assets | $496,798,000 | 1,363 |
| Average earning assets | $470,881,500 | 1,320 |
| Average equity | $43,984,000 | 1,578 |
| Average total loans | $383,227,500 | 1,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3002% | 1,696 |
| Cost of funding earning assets | 1.5410% | 611 |
| Net interest margin | 3.7592% | 4,034 |
| Noninterest income to average assets | 0.0999% | 6,641 |
| Noninterest expense to average assets | 2.2319% | 6,204 |
| Loan and lease loss provision to assets | 2.7630% | 145 |
| Net operating income to assets | -1.3237% | 6,864 |
| Return on assets (ROA) | -1.3150% | 6,883 |
| Pretax return on assets | -1.3186% | 6,848 |
| Return on Equity (ROE) | -15.6166% | 6,901 |
| Retained earnings to average equity (ytd only) | -15.6166% | 6,882 |
| Net charge-offs to loans | 2.7380% | 390 |
| Credit loss provision to net charge-offs | 121.5961% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.6318% | 5,350 |
| Efficiency ratio | 60.8560% | 5,626 |
| Assets per employee ($millions) | 8.2654% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3939% | 277 |
| Loan loss allowance to noncurrent loans | 58.5694% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 6.4733% | 727 |
| Noncurrent loans to loans | 7.5020% | 562 |
| Net loans and leases to total assets | 75.7600% | 977 |
| Net loans and leases to deposits | 86.1140% | 1,654 |
| Net loans and leases to core deposits | 100.3183% | 1,147 |
| Total domestic deposits to total assets | 87.9764% | 2,180 |
| Equity capital to assets | 8.7268% | 5,869 |
| Core capital (leverage) ratio | 8.2814% | 5,879 |
| Tier 1 risk-based capital ratio | 10.5186% | 6,678 |
| Total risk-based capital ratio | 11.8072% | 6,642 |
| Memoranda: | ||
| Average total assets | $549,807,600 | 1,199 |
| Average earning assets | $521,790,000 | 1,143 |
| Average equity | $46,296,800 | 1,472 |
| Average total loans | $456,276,400 | 915 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 1,585 |
| Cost of funding earning assets | 1.5784% | 641 |
| Net interest margin | 3.7978% | 3,889 |
| Noninterest income to average assets | 0.0938% | 6,777 |
| Noninterest expense to average assets | 2.0080% | 6,674 |
| Loan and lease loss provision to assets | 3.1636% | 99 |
| Net operating income to assets | -1.4730% | 7,035 |
| Return on assets (ROA) | -1.4616% | 7,046 |
| Pretax return on assets | -1.4616% | 7,009 |
| Return on Equity (ROE) | -17.5001% | 7,060 |
| Retained earnings to average equity (ytd only) | -17.5001% | 7,042 |
| Net charge-offs to loans | 2.6229% | 406 |
| Credit loss provision to net charge-offs | 143.8790% | 2,207 |
| Earnings coverage of net charge-offs (x) | 0.7689% | 5,037 |
| Efficiency ratio | 54.2909% | 6,455 |
| Assets per employee ($millions) | 8.4862% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4345% | 277 |
| Loan loss allowance to noncurrent loans | 69.7309% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 5.5485% | 998 |
| Noncurrent loans to loans | 6.3595% | 844 |
| Net loans and leases to total assets | 76.2568% | 941 |
| Net loans and leases to deposits | 88.5084% | 1,375 |
| Net loans and leases to core deposits | 104.5836% | 948 |
| Total domestic deposits to total assets | 86.1577% | 3,128 |
| Equity capital to assets | 8.3329% | 6,455 |
| Core capital (leverage) ratio | 7.9555% | 6,436 |
| Tier 1 risk-based capital ratio | 10.0286% | 6,944 |
| Total risk-based capital ratio | 11.3096% | 6,928 |
| Memoranda: | ||
| Average total assets | $561,211,500 | 1,190 |
| Average earning assets | $532,675,000 | 1,134 |
| Average equity | $46,871,000 | 1,453 |
| Average total loans | $470,462,750 | 903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 1,472 |
| Cost of funding earning assets | 1.6090% | 670 |
| Net interest margin | 3.8221% | 3,679 |
| Noninterest income to average assets | 0.1168% | 6,747 |
| Noninterest expense to average assets | 1.9180% | 6,924 |
| Loan and lease loss provision to assets | 3.2827% | 129 |
| Net operating income to assets | -1.4563% | 7,083 |
| Return on assets (ROA) | -1.4395% | 7,092 |
| Pretax return on assets | -1.4395% | 7,043 |
| Return on Equity (ROE) | -17.2233% | 7,120 |
| Retained earnings to average equity (ytd only) | -17.2233% | 7,101 |
| Net charge-offs to loans | 2.5043% | 475 |
| Credit loss provision to net charge-offs | 154.0500% | 1,977 |
| Earnings coverage of net charge-offs (x) | 0.8571% | 4,652 |
| Efficiency ratio | 51.2227% | 6,858 |
| Assets per employee ($millions) | 8.6431% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8569% | 456 |
| Loan loss allowance to noncurrent loans | 68.0471% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 5.2790% | 1,148 |
| Noncurrent loans to loans | 5.6680% | 1,094 |
| Net loans and leases to total assets | 81.7464% | 391 |
| Net loans and leases to deposits | 95.1624% | 785 |
| Net loans and leases to core deposits | 118.5234% | 455 |
| Total domestic deposits to total assets | 85.9020% | 3,374 |
| Equity capital to assets | 8.3925% | 6,315 |
| Core capital (leverage) ratio | 8.0128% | 6,285 |
| Tier 1 risk-based capital ratio | 9.4242% | 7,117 |
| Total risk-based capital ratio | 10.7046% | 7,115 |
| Memoranda: | ||
| Average total assets | $570,072,330 | 1,175 |
| Average earning assets | $541,067,670 | 1,120 |
| Average equity | $47,644,670 | 1,419 |
| Average total loans | $485,080,670 | 888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 1,375 |
| Cost of funding earning assets | 1.6065% | 798 |
| Net interest margin | 3.8654% | 3,319 |
| Noninterest income to average assets | 0.1286% | 6,776 |
| Noninterest expense to average assets | 1.5398% | 7,345 |
| Loan and lease loss provision to assets | 2.1510% | 250 |
| Net operating income to assets | 0.1162% | 6,050 |
| Return on assets (ROA) | 0.1162% | 6,105 |
| Pretax return on assets | 0.1162% | 6,134 |
| Return on Equity (ROE) | 1.3926% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.3926% | 5,268 |
| Net charge-offs to loans | 0.5353% | 2,154 |
| Credit loss provision to net charge-offs | 472.0789% | 751 |
| Earnings coverage of net charge-offs (x) | 4.9757% | 2,361 |
| Efficiency ratio | 40.4468% | 7,381 |
| Assets per employee ($millions) | 8.3791% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5413% | 587 |
| Loan loss allowance to noncurrent loans | 56.3444% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 5.7347% | 1,035 |
| Noncurrent loans to loans | 6.2851% | 978 |
| Net loans and leases to total assets | 80.3809% | 479 |
| Net loans and leases to deposits | 93.0168% | 916 |
| Net loans and leases to core deposits | 119.6387% | 425 |
| Total domestic deposits to total assets | 86.4155% | 3,283 |
| Equity capital to assets | 8.5672% | 5,819 |
| Core capital (leverage) ratio | 8.5998% | 5,265 |
| Tier 1 risk-based capital ratio | 9.6141% | 7,118 |
| Total risk-based capital ratio | 10.8895% | 7,124 |
| Memoranda: | ||
| Average total assets | $578,529,500 | 1,162 |
| Average earning assets | $550,529,500 | 1,110 |
| Average equity | $48,255,000 | 1,387 |
| Average total loans | $492,457,500 | 892 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5343% | 2,143 |
| Cost of funding earning assets | 1.8545% | 982 |
| Net interest margin | 3.6798% | 4,447 |
| Noninterest income to average assets | 0.0542% | 7,083 |
| Noninterest expense to average assets | 1.6323% | 7,385 |
| Loan and lease loss provision to assets | 3.4750% | 227 |
| Net operating income to assets | -2.1990% | 7,111 |
| Return on assets (ROA) | -2.1889% | 7,121 |
| Pretax return on assets | -1.5204% | 6,862 |
| Return on Equity (ROE) | -22.9193% | 7,089 |
| Retained earnings to average equity (ytd only) | -22.9193% | 7,066 |
| Net charge-offs to loans | 3.2672% | 476 |
| Credit loss provision to net charge-offs | 122.2264% | 3,422 |
| Earnings coverage of net charge-offs (x) | 0.6839% | 5,428 |
| Efficiency ratio | 45.6352% | 7,369 |
| Assets per employee ($millions) | 8.6443% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9945% | 870 |
| Loan loss allowance to noncurrent loans | 45.1622% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 6.2778% | 917 |
| Noncurrent loans to loans | 6.6306% | 885 |
| Net loans and leases to total assets | 84.3587% | 273 |
| Net loans and leases to deposits | 97.1180% | 776 |
| Net loans and leases to core deposits | 127.6991% | 362 |
| Total domestic deposits to total assets | 86.8620% | 2,902 |
| Equity capital to assets | 8.1084% | 6,376 |
| Core capital (leverage) ratio | 7.9322% | 6,286 |
| Tier 1 risk-based capital ratio | 8.7779% | 7,280 |
| Total risk-based capital ratio | 10.0472% | 7,288 |
| Memoranda: | ||
| Average total assets | $564,309,800 | 1,192 |
| Average earning assets | $540,192,800 | 1,123 |
| Average equity | $53,893,400 | 1,240 |
| Average total loans | $491,057,200 | 910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 2,485 |
| Cost of funding earning assets | 1.8949% | 1,043 |
| Net interest margin | 3.5918% | 4,910 |
| Noninterest income to average assets | 0.0573% | 7,240 |
| Noninterest expense to average assets | 1.6528% | 7,466 |
| Loan and lease loss provision to assets | 2.2380% | 496 |
| Net operating income to assets | -0.2367% | 6,366 |
| Return on assets (ROA) | -0.2367% | 6,418 |
| Pretax return on assets | -0.3907% | 6,485 |
| Return on Equity (ROE) | -2.3870% | 6,440 |
| Retained earnings to average equity (ytd only) | -2.3870% | 6,266 |
| Net charge-offs to loans | 2.0261% | 930 |
| Credit loss provision to net charge-offs | 126.9112% | 3,214 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 5,012 |
| Efficiency ratio | 47.2213% | 7,313 |
| Assets per employee ($millions) | 8.3491% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6413% | 1,152 |
| Loan loss allowance to noncurrent loans | 57.2918% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 4.2793% | 1,593 |
| Noncurrent loans to loans | 4.6103% | 1,547 |
| Net loans and leases to total assets | 83.8434% | 340 |
| Net loans and leases to deposits | 98.7408% | 744 |
| Net loans and leases to core deposits | 129.6967% | 381 |
| Total domestic deposits to total assets | 84.9126% | 3,658 |
| Equity capital to assets | 9.9065% | 4,282 |
| Core capital (leverage) ratio | 10.1058% | 3,142 |
| Tier 1 risk-based capital ratio | 10.7282% | 6,614 |
| Total risk-based capital ratio | 11.9879% | 6,582 |
| Memoranda: | ||
| Average total assets | $562,756,750 | 1,202 |
| Average earning assets | $539,402,750 | 1,140 |
| Average equity | $55,801,750 | 1,188 |
| Average total loans | $489,786,000 | 925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 2,681 |
| Cost of funding earning assets | 1.9325% | 1,105 |
| Net interest margin | 3.5325% | 5,120 |
| Noninterest income to average assets | 0.0799% | 7,186 |
| Noninterest expense to average assets | 1.7724% | 7,420 |
| Loan and lease loss provision to assets | 2.4510% | 473 |
| Net operating income to assets | -0.4569% | 6,613 |
| Return on assets (ROA) | -0.4569% | 6,650 |
| Pretax return on assets | -0.7478% | 6,751 |
| Return on Equity (ROE) | -4.6059% | 6,662 |
| Retained earnings to average equity (ytd only) | -4.6059% | 6,505 |
| Net charge-offs to loans | 1.2859% | 1,481 |
| Credit loss provision to net charge-offs | 218.2051% | 1,785 |
| Earnings coverage of net charge-offs (x) | 1.5163% | 4,354 |
| Efficiency ratio | 50.9944% | 7,152 |
| Assets per employee ($millions) | 8.2945% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0095% | 813 |
| Loan loss allowance to noncurrent loans | 68.3224% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 3.9997% | 1,731 |
| Noncurrent loans to loans | 4.4048% | 1,663 |
| Net loans and leases to total assets | 85.5896% | 251 |
| Net loans and leases to deposits | 98.1704% | 861 |
| Net loans and leases to core deposits | 128.5355% | 449 |
| Total domestic deposits to total assets | 87.1848% | 2,438 |
| Equity capital to assets | 9.8592% | 4,189 |
| Core capital (leverage) ratio | 9.8797% | 3,300 |
| Tier 1 risk-based capital ratio | 10.0973% | 6,977 |
| Total risk-based capital ratio | 11.3142% | 6,967 |
| Memoranda: | ||
| Average total assets | $555,530,330 | 1,222 |
| Average earning assets | $534,012,000 | 1,151 |
| Average equity | $55,103,330 | 1,201 |
| Average total loans | $485,279,670 | 941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 2,902 |
| Cost of funding earning assets | 1.9551% | 1,229 |
| Net interest margin | 3.4735% | 5,271 |
| Noninterest income to average assets | -0.0334% | 7,716 |
| Noninterest expense to average assets | 1.5549% | 7,684 |
| Loan and lease loss provision to assets | 1.3975% | 857 |
| Net operating income to assets | 0.2271% | 5,589 |
| Return on assets (ROA) | 0.2271% | 5,709 |
| Pretax return on assets | 0.3722% | 5,372 |
| Return on Equity (ROE) | 2.2825% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.2825% | 4,770 |
| Net charge-offs to loans | 0.8216% | 1,887 |
| Credit loss provision to net charge-offs | 195.7317% | 1,893 |
| Earnings coverage of net charge-offs (x) | 2.4787% | 3,303 |
| Efficiency ratio | 46.7700% | 7,510 |
| Assets per employee ($millions) | 9.1579% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5199% | 1,268 |
| Loan loss allowance to noncurrent loans | 98.6930% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3570% | 3,080 |
| Noncurrent loans to loans | 2.5532% | 3,121 |
| Net loans and leases to total assets | 84.7121% | 314 |
| Net loans and leases to deposits | 101.5955% | 661 |
| Net loans and leases to core deposits | 129.1857% | 510 |
| Total domestic deposits to total assets | 83.3817% | 4,435 |
| Equity capital to assets | 9.8593% | 4,043 |
| Core capital (leverage) ratio | 9.9409% | 3,240 |
| Tier 1 risk-based capital ratio | 10.5881% | 6,551 |
| Total risk-based capital ratio | 11.8249% | 6,557 |
| Memoranda: | ||
| Average total assets | $551,283,500 | 1,264 |
| Average earning assets | $532,957,000 | 1,189 |
| Average equity | $54,851,000 | 1,215 |
| Average total loans | $479,057,000 | 986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 5,670 |
| Cost of funding earning assets | 2.6316% | 706 |
| Net interest margin | 2.5642% | 7,362 |
| Noninterest income to average assets | 0.1171% | 7,175 |
| Noninterest expense to average assets | 2.0618% | 7,263 |
| Loan and lease loss provision to assets | 1.7704% | 1,283 |
| Net operating income to assets | -0.8953% | 6,511 |
| Return on assets (ROA) | -0.8953% | 6,508 |
| Pretax return on assets | -1.2204% | 6,552 |
| Return on Equity (ROE) | -9.6648% | 6,595 |
| Retained earnings to average equity (ytd only) | -9.6648% | 6,492 |
| Net charge-offs to loans | 1.4453% | 1,736 |
| Credit loss provision to net charge-offs | 148.5867% | 3,139 |
| Earnings coverage of net charge-offs (x) | 0.4616% | 5,650 |
| Efficiency ratio | 78.9433% | 3,051 |
| Assets per employee ($millions) | 9.3782% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3889% | 1,362 |
| Loan loss allowance to noncurrent loans | 83.5689% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 2.6229% | 2,681 |
| Noncurrent loans to loans | 2.8586% | 2,694 |
| Net loans and leases to total assets | 84.8191% | 365 |
| Net loans and leases to deposits | 102.0247% | 752 |
| Net loans and leases to core deposits | 184.1562% | 142 |
| Total domestic deposits to total assets | 83.1359% | 4,465 |
| Equity capital to assets | 10.0426% | 3,701 |
| Core capital (leverage) ratio | 9.9494% | 3,143 |
| Tier 1 risk-based capital ratio | 10.8843% | 6,025 |
| Total risk-based capital ratio | 12.1468% | 5,993 |
| Memoranda: | ||
| Average total assets | $549,323,800 | 1,261 |
| Average earning assets | $534,433,200 | 1,189 |
| Average equity | $50,885,800 | 1,313 |
| Average total loans | $452,834,600 | 1,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 6,244 |
| Cost of funding earning assets | 2.7568% | 671 |
| Net interest margin | 2.3489% | 7,603 |
| Noninterest income to average assets | 0.5484% | 4,093 |
| Noninterest expense to average assets | 1.7653% | 7,695 |
| Loan and lease loss provision to assets | 1.0760% | 1,810 |
| Net operating income to assets | 0.1317% | 5,373 |
| Return on assets (ROA) | 0.1317% | 5,437 |
| Pretax return on assets | -0.0051% | 5,716 |
| Return on Equity (ROE) | 1.4521% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.4521% | 4,506 |
| Net charge-offs to loans | 0.4805% | 3,307 |
| Credit loss provision to net charge-offs | 275.3408% | 1,539 |
| Earnings coverage of net charge-offs (x) | 2.7404% | 3,856 |
| Efficiency ratio | 62.2418% | 6,066 |
| Assets per employee ($millions) | 9.0437% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2994% | 1,297 |
| Loan loss allowance to noncurrent loans | 87.9502% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,794 |
| Noncurrent loans to loans | 2.6144% | 2,890 |
| Net loans and leases to total assets | 85.6747% | 375 |
| Net loans and leases to deposits | 101.6002% | 960 |
| Net loans and leases to core deposits | 186.0750% | 152 |
| Total domestic deposits to total assets | 84.3253% | 3,564 |
| Equity capital to assets | 9.3091% | 5,023 |
| Core capital (leverage) ratio | 9.1897% | 4,351 |
| Tier 1 risk-based capital ratio | 9.9497% | 7,022 |
| Total risk-based capital ratio | 11.2111% | 6,971 |
| Memoranda: | ||
| Average total assets | $550,671,000 | 1,273 |
| Average earning assets | $536,354,000 | 1,195 |
| Average equity | $49,951,000 | 1,370 |
| Average total loans | $447,880,250 | 1,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 7,063 |
| Cost of funding earning assets | 2.8353% | 719 |
| Net interest margin | 2.0520% | 7,831 |
| Noninterest income to average assets | 0.7482% | 2,714 |
| Noninterest expense to average assets | 1.8332% | 7,706 |
| Loan and lease loss provision to assets | 0.9918% | 1,699 |
| Net operating income to assets | 0.1345% | 5,464 |
| Return on assets (ROA) | 0.1345% | 5,568 |
| Pretax return on assets | -0.0752% | 5,968 |
| Return on Equity (ROE) | 1.4951% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.4951% | 4,493 |
| Net charge-offs to loans | 0.5094% | 2,799 |
| Credit loss provision to net charge-offs | 245.6580% | 1,893 |
| Earnings coverage of net charge-offs (x) | 2.2704% | 3,932 |
| Efficiency ratio | 66.6667% | 5,421 |
| Assets per employee ($millions) | 11.6691% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,230 |
| Loan loss allowance to noncurrent loans | 100.3607% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 3,240 |
| Noncurrent loans to loans | 2.2012% | 3,252 |
| Net loans and leases to total assets | 80.3160% | 1,253 |
| Net loans and leases to deposits | 94.7366% | 1,986 |
| Net loans and leases to core deposits | 171.3805% | 308 |
| Total domestic deposits to total assets | 84.7782% | 3,363 |
| Equity capital to assets | 9.3350% | 4,819 |
| Core capital (leverage) ratio | 8.9230% | 4,752 |
| Tier 1 risk-based capital ratio | 10.3458% | 6,537 |
| Total risk-based capital ratio | 11.6054% | 6,463 |
| Memoranda: | ||
| Average total assets | $553,354,670 | 1,279 |
| Average earning assets | $539,773,670 | 1,199 |
| Average equity | $49,763,670 | 1,388 |
| Average total loans | $438,564,000 | 1,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 7,445 |
| Cost of funding earning assets | 2.8718% | 826 |
| Net interest margin | 1.8737% | 7,952 |
| Noninterest income to average assets | 0.5284% | 4,072 |
| Noninterest expense to average assets | 1.8268% | 7,665 |
| Loan and lease loss provision to assets | 0.8148% | 1,587 |
| Net operating income to assets | 0.0399% | 6,160 |
| Return on assets (ROA) | 0.0399% | 6,305 |
| Pretax return on assets | -0.2827% | 6,657 |
| Return on Equity (ROE) | 0.4517% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.4517% | 5,473 |
| Net charge-offs to loans | 0.0274% | 5,146 |
| Credit loss provision to net charge-offs | 3,813.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 24.9000% | 1,226 |
| Efficiency ratio | 77.4457% | 3,264 |
| Assets per employee ($millions) | 10.2532% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 1,007 |
| Loan loss allowance to noncurrent loans | 94.0679% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 3,099 |
| Noncurrent loans to loans | 2.3944% | 2,757 |
| Net loans and leases to total assets | 73.8308% | 2,797 |
| Net loans and leases to deposits | 83.6712% | 4,031 |
| Net loans and leases to core deposits | 139.7258% | 1,116 |
| Total domestic deposits to total assets | 88.2391% | 1,620 |
| Equity capital to assets | 8.3456% | 6,318 |
| Core capital (leverage) ratio | 8.7948% | 4,997 |
| Tier 1 risk-based capital ratio | 9.9748% | 6,957 |
| Total risk-based capital ratio | 11.2346% | 6,846 |
| Memoranda: | ||
| Average total assets | $561,643,500 | 1,271 |
| Average earning assets | $548,647,500 | 1,187 |
| Average equity | $49,591,500 | 1,385 |
| Average total loans | $437,417,500 | 1,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 7,093 |
| Cost of funding earning assets | 3.1595% | 1,320 |
| Net interest margin | 2.4314% | 7,822 |
| Noninterest income to average assets | 1.6167% | 531 |
| Noninterest expense to average assets | 2.1276% | 7,165 |
| Loan and lease loss provision to assets | 1.4969% | 903 |
| Net operating income to assets | 0.6441% | 4,129 |
| Return on assets (ROA) | 0.6441% | 3,980 |
| Pretax return on assets | 0.3484% | 5,398 |
| Return on Equity (ROE) | 8.0181% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.0181% | 843 |
| Net charge-offs to loans | 0.1778% | 4,419 |
| Credit loss provision to net charge-offs | 1,036.3770% | 427 |
| Earnings coverage of net charge-offs (x) | 12.7761% | 2,209 |
| Efficiency ratio | 53.5525% | 7,321 |
| Assets per employee ($millions) | 10.5721% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1151% | 1,053 |
| Loan loss allowance to noncurrent loans | 120.7646% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 3,227 |
| Noncurrent loans to loans | 1.7514% | 3,135 |
| Net loans and leases to total assets | 78.8220% | 1,926 |
| Net loans and leases to deposits | 90.8398% | 3,312 |
| Net loans and leases to core deposits | 145.0176% | 1,054 |
| Total domestic deposits to total assets | 86.7702% | 2,054 |
| Equity capital to assets | 9.3743% | 4,854 |
| Core capital (leverage) ratio | 8.5533% | 5,478 |
| Tier 1 risk-based capital ratio | 10.4748% | 6,232 |
| Total risk-based capital ratio | 11.7332% | 6,108 |
| Memoranda: | ||
| Average total assets | $470,100,400 | 1,469 |
| Average earning assets | $455,582,200 | 1,369 |
| Average equity | $37,764,400 | 1,788 |
| Average total loans | $381,883,000 | 1,269 |