Home > First CornerStone Bank > Performance and Condition Ratios
First CornerStone Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4148% | 5,092 |
| Cost of funding earning assets | 0.8107% | 467 |
| Net interest margin | 2.6041% | 5,715 |
| Noninterest income to average assets | -1.3314% | 6,120 |
| Noninterest expense to average assets | 5.4738% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -4.3859% | 6,106 |
| Return on assets (ROA) | -4.3706% | 6,106 |
| Pretax return on assets | -4.3706% | 6,103 |
| Return on Equity (ROE) | -180.7670% | 6,120 |
| Retained earnings to average equity (ytd only) | -180.7670% | 6,115 |
| Net charge-offs to loans | 0.4594% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -19.5424% | 3,077 |
| Efficiency ratio | 503.1469% | 4 |
| Assets per employee ($millions) | 3.9733% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 897 |
| Loan loss allowance to noncurrent loans | 24.1812% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 8.9365% | 60 |
| Noncurrent loans to loans | 8.0556% | 69 |
| Net loans and leases to total assets | 47.8477% | 4,976 |
| Net loans and leases to deposits | 48.9212% | 5,386 |
| Net loans and leases to core deposits | 49.3934% | 5,464 |
| Total domestic deposits to total assets | 97.8056% | 2 |
| Equity capital to assets | 2.0376% | 6,120 |
| Core capital (leverage) ratio | 2.0011% | 6,120 |
| Tier 1 risk-based capital ratio | 3.8848% | 6,113 |
| Total risk-based capital ratio | 5.1421% | 6,112 |
| Memoranda: | ||
| Average total assets | $105,156,000 | 4,365 |
| Average earning assets | $97,691,000 | 4,346 |
| Average equity | $2,542,500 | 5,987 |
| Average total loans | $51,371,000 | 4,636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,875 |
| Cost of funding earning assets | 0.8083% | 473 |
| Net interest margin | 2.7091% | 5,634 |
| Noninterest income to average assets | 0.2469% | 5,118 |
| Noninterest expense to average assets | 5.7529% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.0147% | 6,162 |
| Return on assets (ROA) | -3.0370% | 6,163 |
| Pretax return on assets | -3.0370% | 6,161 |
| Return on Equity (ROE) | -76.6539% | 6,177 |
| Retained earnings to average equity (ytd only) | -76.6539% | 6,175 |
| Net charge-offs to loans | 0.4201% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -13.3730% | 4,429 |
| Efficiency ratio | 210.0947% | 10 |
| Assets per employee ($millions) | 3.6898% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 823 |
| Loan loss allowance to noncurrent loans | 29.5907% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 8.3762% | 71 |
| Noncurrent loans to loans | 6.7227% | 115 |
| Net loans and leases to total assets | 47.9314% | 5,016 |
| Net loans and leases to deposits | 49.3757% | 5,422 |
| Net loans and leases to core deposits | 49.8377% | 5,506 |
| Total domestic deposits to total assets | 97.0749% | 4 |
| Equity capital to assets | 2.7849% | 6,168 |
| Core capital (leverage) ratio | 2.9956% | 6,167 |
| Tier 1 risk-based capital ratio | 5.7674% | 6,159 |
| Total risk-based capital ratio | 7.0250% | 6,160 |
| Memoranda: | ||
| Average total assets | $111,787,200 | 4,228 |
| Average earning assets | $102,802,600 | 4,215 |
| Average equity | $4,429,000 | 5,777 |
| Average total loans | $59,991,600 | 4,377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,205 |
| Cost of funding earning assets | 0.8036% | 482 |
| Net interest margin | 2.5961% | 5,837 |
| Noninterest income to average assets | -0.1297% | 6,241 |
| Noninterest expense to average assets | 5.6717% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.4212% | 6,256 |
| Return on assets (ROA) | -3.4507% | 6,256 |
| Pretax return on assets | -3.4507% | 6,255 |
| Return on Equity (ROE) | -79.5712% | 6,261 |
| Retained earnings to average equity (ytd only) | -79.5712% | 6,261 |
| Net charge-offs to loans | 0.3317% | 793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -18.8440% | 4,154 |
| Efficiency ratio | 252.0168% | 10 |
| Assets per employee ($millions) | 3.3733% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 892 |
| Loan loss allowance to noncurrent loans | 23.1363% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 11.4941% | 43 |
| Noncurrent loans to loans | 8.7187% | 58 |
| Net loans and leases to total assets | 49.7009% | 4,954 |
| Net loans and leases to deposits | 51.3943% | 5,397 |
| Net loans and leases to core deposits | 51.7356% | 5,514 |
| Total domestic deposits to total assets | 96.7049% | 5 |
| Equity capital to assets | 3.1343% | 6,252 |
| Core capital (leverage) ratio | 3.3197% | 6,250 |
| Tier 1 risk-based capital ratio | 5.8570% | 6,247 |
| Total risk-based capital ratio | 7.1136% | 6,248 |
| Memoranda: | ||
| Average total assets | $113,096,000 | 4,243 |
| Average earning assets | $103,693,000 | 4,245 |
| Average equity | $4,904,500 | 5,746 |
| Average total loans | $61,907,000 | 4,368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 5,181 |
| Cost of funding earning assets | 0.7914% | 526 |
| Net interest margin | 2.6304% | 5,845 |
| Noninterest income to average assets | -0.6333% | 6,336 |
| Noninterest expense to average assets | 5.7068% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.9195% | 6,334 |
| Return on assets (ROA) | -3.9494% | 6,336 |
| Pretax return on assets | -3.9494% | 6,336 |
| Return on Equity (ROE) | -83.5142% | 6,338 |
| Retained earnings to average equity (ytd only) | -83.5142% | 6,337 |
| Net charge-offs to loans | -0.0471% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 319.2913% | 8 |
| Assets per employee ($millions) | 3.2213% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 895 |
| Loan loss allowance to noncurrent loans | 12.2049% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 13.7807% | 35 |
| Noncurrent loans to loans | 16.9575% | 16 |
| Net loans and leases to total assets | 54.8947% | 4,466 |
| Net loans and leases to deposits | 56.8731% | 5,070 |
| Net loans and leases to core deposits | 57.3782% | 5,228 |
| Total domestic deposits to total assets | 96.5214% | 5 |
| Equity capital to assets | 3.3633% | 6,324 |
| Core capital (leverage) ratio | 3.8960% | 6,321 |
| Tier 1 risk-based capital ratio | 6.1635% | 6,321 |
| Total risk-based capital ratio | 7.4208% | 6,320 |
| Memoranda: | ||
| Average total assets | $113,688,670 | 4,261 |
| Average earning assets | $104,624,000 | 4,255 |
| Average equity | $5,376,330 | 5,686 |
| Average total loans | $63,721,000 | 4,346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 5,162 |
| Cost of funding earning assets | 0.7845% | 554 |
| Net interest margin | 2.6368% | 5,881 |
| Noninterest income to average assets | -0.1677% | 6,376 |
| Noninterest expense to average assets | 5.6876% | 208 |
| Loan and lease loss provision to assets | 0.4472% | 247 |
| Net operating income to assets | -3.8954% | 6,398 |
| Return on assets (ROA) | -3.8150% | 6,397 |
| Pretax return on assets | -3.8150% | 6,396 |
| Return on Equity (ROE) | -67.1793% | 6,403 |
| Retained earnings to average equity (ytd only) | -67.1793% | 6,397 |
| Net charge-offs to loans | 2.8779% | 48 |
| Credit loss provision to net charge-offs | 27.7056% | 2,293 |
| Earnings coverage of net charge-offs (x) | -2.1364% | 3,208 |
| Efficiency ratio | 253.9782% | 12 |
| Assets per employee ($millions) | 3.1976% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 1,894 |
| Loan loss allowance to noncurrent loans | 9.4415% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 15.9598% | 23 |
| Noncurrent loans to loans | 17.4463% | 18 |
| Net loans and leases to total assets | 54.1003% | 4,433 |
| Net loans and leases to deposits | 57.1558% | 4,974 |
| Net loans and leases to core deposits | 57.4861% | 5,157 |
| Total domestic deposits to total assets | 94.6540% | 18 |
| Equity capital to assets | 5.1836% | 6,363 |
| Core capital (leverage) ratio | 5.2683% | 6,358 |
| Tier 1 risk-based capital ratio | 7.8409% | 6,356 |
| Total risk-based capital ratio | 9.0919% | 6,354 |
| Memoranda: | ||
| Average total assets | $114,494,000 | 4,278 |
| Average earning assets | $104,521,000 | 4,291 |
| Average equity | $6,502,000 | 5,498 |
| Average total loans | $64,212,500 | 4,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,130 |
| Cost of funding earning assets | 0.7889% | 683 |
| Net interest margin | 2.7929% | 5,821 |
| Noninterest income to average assets | -0.7356% | 6,500 |
| Noninterest expense to average assets | 5.4855% | 232 |
| Loan and lease loss provision to assets | 0.2012% | 1,259 |
| Net operating income to assets | -3.8751% | 6,485 |
| Return on assets (ROA) | -3.7761% | 6,484 |
| Pretax return on assets | -3.7761% | 6,486 |
| Return on Equity (ROE) | -54.4783% | 6,489 |
| Retained earnings to average equity (ytd only) | -54.4783% | 6,487 |
| Net charge-offs to loans | 0.6276% | 627 |
| Credit loss provision to net charge-offs | 58.9623% | 3,306 |
| Earnings coverage of net charge-offs (x) | -10.7665% | 4,916 |
| Efficiency ratio | 302.7988% | 9 |
| Assets per employee ($millions) | 3.1632% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 924 |
| Loan loss allowance to noncurrent loans | 10.6045% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 17.9356% | 15 |
| Noncurrent loans to loans | 19.9447% | 12 |
| Net loans and leases to total assets | 55.9636% | 4,341 |
| Net loans and leases to deposits | 59.7107% | 4,929 |
| Net loans and leases to core deposits | 60.2481% | 5,130 |
| Total domestic deposits to total assets | 93.7246% | 42 |
| Equity capital to assets | 6.1796% | 6,401 |
| Core capital (leverage) ratio | 6.1186% | 6,403 |
| Tier 1 risk-based capital ratio | 9.6098% | 6,338 |
| Total risk-based capital ratio | 10.8672% | 6,313 |
| Memoranda: | ||
| Average total assets | $124,255,600 | 4,098 |
| Average earning assets | $113,321,400 | 4,106 |
| Average equity | $8,612,600 | 5,061 |
| Average total loans | $67,555,800 | 4,249 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,188 |
| Cost of funding earning assets | 0.7928% | 711 |
| Net interest margin | 2.7897% | 5,885 |
| Noninterest income to average assets | 0.0757% | 6,321 |
| Noninterest expense to average assets | 5.3794% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -2.7591% | 6,553 |
| Return on assets (ROA) | -2.6498% | 6,552 |
| Pretax return on assets | -2.6498% | 6,550 |
| Return on Equity (ROE) | -37.3203% | 6,553 |
| Retained earnings to average equity (ytd only) | -37.3203% | 6,550 |
| Net charge-offs to loans | 0.5516% | 690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -9.3085% | 4,630 |
| Efficiency ratio | 205.2948% | 21 |
| Assets per employee ($millions) | 3.1047% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 1,295 |
| Loan loss allowance to noncurrent loans | 11.8976% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 17.4549% | 19 |
| Noncurrent loans to loans | 16.6261% | 20 |
| Net loans and leases to total assets | 53.3006% | 4,660 |
| Net loans and leases to deposits | 57.7178% | 5,122 |
| Net loans and leases to core deposits | 58.0911% | 5,326 |
| Total domestic deposits to total assets | 92.3469% | 121 |
| Equity capital to assets | 7.5056% | 6,299 |
| Core capital (leverage) ratio | 7.5937% | 6,242 |
| Tier 1 risk-based capital ratio | 12.1797% | 5,381 |
| Total risk-based capital ratio | 13.4345% | 5,296 |
| Memoranda: | ||
| Average total assets | $126,851,000 | 4,068 |
| Average earning assets | $115,707,250 | 4,098 |
| Average equity | $9,006,500 | 5,007 |
| Average total loans | $68,168,500 | 4,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 5,143 |
| Cost of funding earning assets | 0.7947% | 730 |
| Net interest margin | 2.8083% | 5,889 |
| Noninterest income to average assets | 0.1079% | 6,256 |
| Noninterest expense to average assets | 5.2323% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.5437% | 6,614 |
| Return on assets (ROA) | -2.4698% | 6,612 |
| Pretax return on assets | -2.4698% | 6,607 |
| Return on Equity (ROE) | -35.3980% | 6,621 |
| Retained earnings to average equity (ytd only) | -35.3980% | 6,604 |
| Net charge-offs to loans | 0.8172% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -5.8134% | 4,295 |
| Efficiency ratio | 194.6132% | 23 |
| Assets per employee ($millions) | 3.2243% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 1,662 |
| Loan loss allowance to noncurrent loans | 9.3526% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 17.2028% | 22 |
| Noncurrent loans to loans | 19.9511% | 11 |
| Net loans and leases to total assets | 52.9905% | 4,645 |
| Net loans and leases to deposits | 57.5085% | 5,082 |
| Net loans and leases to core deposits | 58.1089% | 5,266 |
| Total domestic deposits to total assets | 92.1437% | 154 |
| Equity capital to assets | 7.7513% | 6,273 |
| Core capital (leverage) ratio | 7.8802% | 6,167 |
| Tier 1 risk-based capital ratio | 13.1292% | 4,831 |
| Total risk-based capital ratio | 14.3840% | 4,759 |
| Memoranda: | ||
| Average total assets | $129,808,670 | 4,037 |
| Average earning assets | $119,287,670 | 4,029 |
| Average equity | $9,057,000 | 5,013 |
| Average total loans | $69,507,330 | 4,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 5,434 |
| Cost of funding earning assets | 0.7994% | 750 |
| Net interest margin | 2.6975% | 6,116 |
| Noninterest income to average assets | 0.0455% | 6,494 |
| Noninterest expense to average assets | 5.2791% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.7458% | 6,684 |
| Return on assets (ROA) | -2.7822% | 6,684 |
| Pretax return on assets | -2.7822% | 6,679 |
| Return on Equity (ROE) | -42.1028% | 6,684 |
| Retained earnings to average equity (ytd only) | -42.1028% | 6,656 |
| Net charge-offs to loans | -0.0171% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 208.3832% | 25 |
| Assets per employee ($millions) | 3.3655% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2759% | 1,062 |
| Loan loss allowance to noncurrent loans | 9.6330% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 17.9696% | 24 |
| Noncurrent loans to loans | 23.6256% | 8 |
| Net loans and leases to total assets | 50.8384% | 4,813 |
| Net loans and leases to deposits | 55.3374% | 5,172 |
| Net loans and leases to core deposits | 55.8936% | 5,360 |
| Total domestic deposits to total assets | 91.8700% | 280 |
| Equity capital to assets | 7.9898% | 6,069 |
| Core capital (leverage) ratio | 8.2516% | 5,893 |
| Tier 1 risk-based capital ratio | 13.4260% | 4,748 |
| Total risk-based capital ratio | 14.6850% | 4,673 |
| Memoranda: | ||
| Average total assets | $131,839,500 | 4,036 |
| Average earning assets | $121,594,000 | 4,009 |
| Average equity | $8,712,000 | 5,128 |
| Average total loans | $70,310,500 | 4,253 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 5,027 |
| Cost of funding earning assets | 0.9752% | 513 |
| Net interest margin | 2.7577% | 6,051 |
| Noninterest income to average assets | -0.1497% | 6,742 |
| Noninterest expense to average assets | 4.7161% | 440 |
| Loan and lease loss provision to assets | 0.8158% | 255 |
| Net operating income to assets | -3.1650% | 6,767 |
| Return on assets (ROA) | -3.0428% | 6,761 |
| Pretax return on assets | -3.0428% | 6,761 |
| Return on Equity (ROE) | -49.8380% | 6,772 |
| Retained earnings to average equity (ytd only) | -49.8380% | 6,769 |
| Net charge-offs to loans | 1.2809% | 401 |
| Credit loss provision to net charge-offs | 115.6156% | 2,087 |
| Earnings coverage of net charge-offs (x) | -3.3293% | 5,362 |
| Efficiency ratio | 199.2540% | 30 |
| Assets per employee ($millions) | 3.3106% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,260 |
| Loan loss allowance to noncurrent loans | 9.6383% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 17.8850% | 25 |
| Noncurrent loans to loans | 22.2453% | 12 |
| Net loans and leases to total assets | 53.4556% | 4,658 |
| Net loans and leases to deposits | 56.4853% | 5,256 |
| Net loans and leases to core deposits | 57.2617% | 5,444 |
| Total domestic deposits to total assets | 94.6362% | 57 |
| Equity capital to assets | 5.2385% | 6,673 |
| Core capital (leverage) ratio | 5.6461% | 6,680 |
| Tier 1 risk-based capital ratio | 9.3505% | 6,622 |
| Total risk-based capital ratio | 10.6080% | 6,607 |
| Memoranda: | ||
| Average total assets | $141,577,800 | 3,851 |
| Average earning assets | $129,203,000 | 3,863 |
| Average equity | $8,644,000 | 5,174 |
| Average total loans | $77,989,400 | 4,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 4,564 |
| Cost of funding earning assets | 1.0121% | 462 |
| Net interest margin | 2.8713% | 5,874 |
| Noninterest income to average assets | -0.0028% | 6,761 |
| Noninterest expense to average assets | 4.4410% | 552 |
| Loan and lease loss provision to assets | 0.8897% | 201 |
| Net operating income to assets | -2.7201% | 6,831 |
| Return on assets (ROA) | -2.7201% | 6,834 |
| Pretax return on assets | -2.7201% | 6,830 |
| Return on Equity (ROE) | -43.1413% | 6,852 |
| Retained earnings to average equity (ytd only) | -43.1413% | 6,849 |
| Net charge-offs to loans | 1.4760% | 323 |
| Credit loss provision to net charge-offs | 109.2150% | 2,152 |
| Earnings coverage of net charge-offs (x) | -2.2469% | 5,089 |
| Efficiency ratio | 170.1100% | 49 |
| Assets per employee ($millions) | 3.4632% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 1,760 |
| Loan loss allowance to noncurrent loans | 10.4570% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 17.0065% | 33 |
| Noncurrent loans to loans | 18.9746% | 22 |
| Net loans and leases to total assets | 52.6337% | 4,801 |
| Net loans and leases to deposits | 56.2639% | 5,352 |
| Net loans and leases to core deposits | 57.3748% | 5,503 |
| Total domestic deposits to total assets | 93.5479% | 90 |
| Equity capital to assets | 6.3380% | 6,660 |
| Core capital (leverage) ratio | 6.3986% | 6,680 |
| Tier 1 risk-based capital ratio | 11.0035% | 6,279 |
| Total risk-based capital ratio | 12.2605% | 6,237 |
| Memoranda: | ||
| Average total assets | $143,866,250 | 3,846 |
| Average earning assets | $130,947,750 | 3,865 |
| Average equity | $9,070,750 | 5,123 |
| Average total loans | $79,402,000 | 3,990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 4,495 |
| Cost of funding earning assets | 1.0482% | 434 |
| Net interest margin | 2.8476% | 5,904 |
| Noninterest income to average assets | 0.0151% | 6,757 |
| Noninterest expense to average assets | 4.1800% | 711 |
| Loan and lease loss provision to assets | 1.3183% | 115 |
| Net operating income to assets | -2.8906% | 6,892 |
| Return on assets (ROA) | -2.8906% | 6,896 |
| Pretax return on assets | -2.8906% | 6,890 |
| Return on Equity (ROE) | -45.9222% | 6,899 |
| Retained earnings to average equity (ytd only) | -45.9222% | 6,893 |
| Net charge-offs to loans | 2.1783% | 190 |
| Credit loss provision to net charge-offs | 108.7203% | 2,041 |
| Earnings coverage of net charge-offs (x) | -1.2967% | 4,732 |
| Efficiency ratio | 160.2949% | 56 |
| Assets per employee ($millions) | 4.2022% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 1,987 |
| Loan loss allowance to noncurrent loans | 12.1996% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 15.1070% | 59 |
| Noncurrent loans to loans | 15.9293% | 39 |
| Net loans and leases to total assets | 51.9864% | 4,868 |
| Net loans and leases to deposits | 55.8652% | 5,358 |
| Net loans and leases to core deposits | 56.9349% | 5,528 |
| Total domestic deposits to total assets | 93.0568% | 122 |
| Equity capital to assets | 6.8459% | 6,635 |
| Core capital (leverage) ratio | 6.7825% | 6,662 |
| Tier 1 risk-based capital ratio | 11.9489% | 5,820 |
| Total risk-based capital ratio | 13.2060% | 5,766 |
| Memoranda: | ||
| Average total assets | $145,645,330 | 3,847 |
| Average earning assets | $132,604,670 | 3,854 |
| Average equity | $9,167,670 | 5,133 |
| Average total loans | $81,073,000 | 3,956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 4,562 |
| Cost of funding earning assets | 1.1260% | 324 |
| Net interest margin | 2.7508% | 6,128 |
| Noninterest income to average assets | 0.0109% | 6,826 |
| Noninterest expense to average assets | 3.9801% | 904 |
| Loan and lease loss provision to assets | 0.4761% | 574 |
| Net operating income to assets | -1.9397% | 6,924 |
| Return on assets (ROA) | -1.9397% | 6,925 |
| Pretax return on assets | -1.9397% | 6,916 |
| Return on Equity (ROE) | -32.1860% | 6,937 |
| Retained earnings to average equity (ytd only) | -32.1860% | 6,907 |
| Net charge-offs to loans | -0.0239% | 5,799 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.1622% | 75 |
| Assets per employee ($millions) | 4.5671% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 2,226 |
| Loan loss allowance to noncurrent loans | 13.3328% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 14.6434% | 80 |
| Noncurrent loans to loans | 14.4624% | 87 |
| Net loans and leases to total assets | 54.8116% | 4,272 |
| Net loans and leases to deposits | 59.5974% | 4,842 |
| Net loans and leases to core deposits | 60.6065% | 5,083 |
| Total domestic deposits to total assets | 91.9698% | 253 |
| Equity capital to assets | 7.8879% | 6,439 |
| Core capital (leverage) ratio | 7.6532% | 6,382 |
| Tier 1 risk-based capital ratio | 12.8548% | 5,336 |
| Total risk-based capital ratio | 14.1117% | 5,273 |
| Memoranda: | ||
| Average total assets | $147,031,000 | 3,861 |
| Average earning assets | $133,924,500 | 3,863 |
| Average equity | $8,861,000 | 5,252 |
| Average total loans | $83,736,000 | 3,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 3,427 |
| Cost of funding earning assets | 1.3696% | 280 |
| Net interest margin | 3.1225% | 5,759 |
| Noninterest income to average assets | -0.7250% | 7,046 |
| Noninterest expense to average assets | 4.1124% | 848 |
| Loan and lease loss provision to assets | 0.3602% | 1,842 |
| Net operating income to assets | -2.3364% | 6,962 |
| Return on assets (ROA) | -2.2499% | 6,959 |
| Pretax return on assets | -2.2499% | 6,957 |
| Return on Equity (ROE) | -54.7784% | 7,027 |
| Retained earnings to average equity (ytd only) | -54.7784% | 7,023 |
| Net charge-offs to loans | 0.9776% | 1,116 |
| Credit loss provision to net charge-offs | 56.7650% | 4,529 |
| Earnings coverage of net charge-offs (x) | -3.1139% | 5,875 |
| Efficiency ratio | 192.5053% | 43 |
| Assets per employee ($millions) | 4.6223% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 3,196 |
| Loan loss allowance to noncurrent loans | 12.7817% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 13.6931% | 97 |
| Noncurrent loans to loans | 12.7216% | 128 |
| Net loans and leases to total assets | 57.0575% | 4,112 |
| Net loans and leases to deposits | 60.7533% | 4,941 |
| Net loans and leases to core deposits | 61.9711% | 5,162 |
| Total domestic deposits to total assets | 93.9167% | 71 |
| Equity capital to assets | 4.1876% | 6,991 |
| Core capital (leverage) ratio | 3.9716% | 6,994 |
| Tier 1 risk-based capital ratio | 6.2614% | 6,981 |
| Total risk-based capital ratio | 7.5143% | 6,984 |
| Memoranda: | ||
| Average total assets | $154,899,200 | 3,702 |
| Average earning assets | $141,936,800 | 3,696 |
| Average equity | $6,362,000 | 5,924 |
| Average total loans | $100,557,400 | 3,505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 3,634 |
| Cost of funding earning assets | 1.4170% | 281 |
| Net interest margin | 3.0845% | 5,974 |
| Noninterest income to average assets | -0.0204% | 6,973 |
| Noninterest expense to average assets | 4.0379% | 893 |
| Loan and lease loss provision to assets | 0.4749% | 1,304 |
| Net operating income to assets | -1.7040% | 6,999 |
| Return on assets (ROA) | -1.5900% | 6,991 |
| Pretax return on assets | -1.5900% | 6,968 |
| Return on Equity (ROE) | -38.8913% | 7,096 |
| Retained earnings to average equity (ytd only) | -38.8913% | 7,089 |
| Net charge-offs to loans | 0.9464% | 1,140 |
| Credit loss provision to net charge-offs | 75.4054% | 3,757 |
| Earnings coverage of net charge-offs (x) | -1.9514% | 5,647 |
| Efficiency ratio | 143.7576% | 106 |
| Assets per employee ($millions) | 4.8920% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 3,103 |
| Loan loss allowance to noncurrent loans | 12.4176% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 15.3497% | 84 |
| Noncurrent loans to loans | 13.8003% | 111 |
| Net loans and leases to total assets | 61.9495% | 3,389 |
| Net loans and leases to deposits | 66.6163% | 4,389 |
| Net loans and leases to core deposits | 67.2587% | 4,813 |
| Total domestic deposits to total assets | 92.9944% | 112 |
| Equity capital to assets | 5.1018% | 7,042 |
| Core capital (leverage) ratio | 4.9032% | 7,033 |
| Tier 1 risk-based capital ratio | 7.4919% | 7,022 |
| Total risk-based capital ratio | 8.7462% | 7,023 |
| Memoranda: | ||
| Average total assets | $156,645,500 | 3,707 |
| Average earning assets | $143,682,500 | 3,697 |
| Average equity | $6,404,000 | 5,984 |
| Average total loans | $104,249,000 | 3,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 3,727 |
| Cost of funding earning assets | 1.4718% | 266 |
| Net interest margin | 3.0369% | 6,156 |
| Noninterest income to average assets | -0.0088% | 7,015 |
| Noninterest expense to average assets | 3.9100% | 1,063 |
| Loan and lease loss provision to assets | 0.4750% | 1,340 |
| Net operating income to assets | -1.5969% | 7,031 |
| Return on assets (ROA) | -1.5969% | 7,041 |
| Pretax return on assets | -1.5969% | 7,018 |
| Return on Equity (ROE) | -42.4185% | 7,152 |
| Retained earnings to average equity (ytd only) | -42.4185% | 7,146 |
| Net charge-offs to loans | 0.8960% | 1,226 |
| Credit loss provision to net charge-offs | 78.3333% | 3,364 |
| Earnings coverage of net charge-offs (x) | -1.8500% | 5,373 |
| Efficiency ratio | 140.2356% | 121 |
| Assets per employee ($millions) | 4.9514% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,394 |
| Loan loss allowance to noncurrent loans | 11.2370% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 15.2000% | 97 |
| Noncurrent loans to loans | 14.7683% | 106 |
| Net loans and leases to total assets | 66.2493% | 2,621 |
| Net loans and leases to deposits | 69.9642% | 3,903 |
| Net loans and leases to core deposits | 71.3575% | 4,377 |
| Total domestic deposits to total assets | 94.6903% | 62 |
| Equity capital to assets | 3.4484% | 7,165 |
| Core capital (leverage) ratio | 3.2054% | 7,167 |
| Tier 1 risk-based capital ratio | 4.7490% | 7,170 |
| Total risk-based capital ratio | 6.0036% | 7,170 |
| Memoranda: | ||
| Average total assets | $158,310,330 | 3,696 |
| Average earning assets | $145,805,670 | 3,686 |
| Average equity | $5,959,670 | 6,128 |
| Average total loans | $107,137,000 | 3,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 3,432 |
| Cost of funding earning assets | 1.5225% | 260 |
| Net interest margin | 3.0936% | 6,066 |
| Noninterest income to average assets | 0.0348% | 6,990 |
| Noninterest expense to average assets | 3.7631% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.8761% | 6,974 |
| Return on assets (ROA) | -0.8761% | 6,989 |
| Pretax return on assets | -0.8761% | 6,948 |
| Return on Equity (ROE) | -22.3741% | 7,130 |
| Retained earnings to average equity (ytd only) | -22.3741% | 7,076 |
| Net charge-offs to loans | -0.0037% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.3448% | 163 |
| Assets per employee ($millions) | 5.2022% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 3,309 |
| Loan loss allowance to noncurrent loans | 12.0437% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 15.0147% | 104 |
| Noncurrent loans to loans | 14.1984% | 140 |
| Net loans and leases to total assets | 64.9040% | 2,667 |
| Net loans and leases to deposits | 69.8853% | 3,750 |
| Net loans and leases to core deposits | 71.4495% | 4,232 |
| Total domestic deposits to total assets | 92.8722% | 149 |
| Equity capital to assets | 3.8011% | 7,198 |
| Core capital (leverage) ratio | 3.7020% | 7,199 |
| Tier 1 risk-based capital ratio | 5.4331% | 7,193 |
| Total risk-based capital ratio | 6.6882% | 7,196 |
| Memoranda: | ||
| Average total assets | $160,719,000 | 3,670 |
| Average earning assets | $148,174,500 | 3,656 |
| Average equity | $6,293,000 | 6,072 |
| Average total loans | $109,003,500 | 3,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 4,796 |
| Cost of funding earning assets | 1.9222% | 136 |
| Net interest margin | 2.6460% | 6,972 |
| Noninterest income to average assets | -1.2631% | 7,332 |
| Noninterest expense to average assets | 3.2505% | 2,690 |
| Loan and lease loss provision to assets | 1.8377% | 351 |
| Net operating income to assets | -4.1030% | 7,259 |
| Return on assets (ROA) | -3.9589% | 7,257 |
| Pretax return on assets | -3.7564% | 7,254 |
| Return on Equity (ROE) | -61.5890% | 7,249 |
| Retained earnings to average equity (ytd only) | -61.5890% | 7,249 |
| Net charge-offs to loans | 2.6818% | 407 |
| Credit loss provision to net charge-offs | 99.2647% | 3,603 |
| Earnings coverage of net charge-offs (x) | -1.1143% | 6,210 |
| Efficiency ratio | 273.6867% | 29 |
| Assets per employee ($millions) | 5.1667% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,457 |
| Loan loss allowance to noncurrent loans | 10.2196% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 15.2021% | 110 |
| Noncurrent loans to loans | 15.9699% | 112 |
| Net loans and leases to total assets | 68.4877% | 2,309 |
| Net loans and leases to deposits | 74.2398% | 3,458 |
| Net loans and leases to core deposits | 75.9573% | 3,989 |
| Total domestic deposits to total assets | 92.2519% | 207 |
| Equity capital to assets | 4.0307% | 7,225 |
| Core capital (leverage) ratio | 3.8171% | 7,222 |
| Tier 1 risk-based capital ratio | 5.6424% | 7,217 |
| Total risk-based capital ratio | 6.8974% | 7,217 |
| Memoranda: | ||
| Average total assets | $176,310,800 | 3,393 |
| Average earning assets | $163,305,800 | 3,345 |
| Average equity | $11,333,200 | 4,704 |
| Average total loans | $121,708,800 | 3,144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 4,976 |
| Cost of funding earning assets | 1.9733% | 132 |
| Net interest margin | 2.6021% | 7,073 |
| Noninterest income to average assets | -0.5863% | 7,364 |
| Noninterest expense to average assets | 3.1709% | 2,923 |
| Loan and lease loss provision to assets | 0.3216% | 2,964 |
| Net operating income to assets | -1.6708% | 7,080 |
| Return on assets (ROA) | -1.5621% | 7,068 |
| Pretax return on assets | -1.5621% | 7,033 |
| Return on Equity (ROE) | -22.4438% | 7,132 |
| Retained earnings to average equity (ytd only) | -22.4438% | 7,121 |
| Net charge-offs to loans | 0.8960% | 1,788 |
| Credit loss provision to net charge-offs | 52.0958% | 4,989 |
| Earnings coverage of net charge-offs (x) | -2.1856% | 6,030 |
| Efficiency ratio | 174.0666% | 87 |
| Assets per employee ($millions) | 5.6228% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 5,297 |
| Loan loss allowance to noncurrent loans | 7.0805% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 16.1142% | 105 |
| Noncurrent loans to loans | 17.5303% | 86 |
| Net loans and leases to total assets | 65.9140% | 2,920 |
| Net loans and leases to deposits | 74.1200% | 3,641 |
| Net loans and leases to core deposits | 75.8719% | 4,207 |
| Total domestic deposits to total assets | 88.9287% | 1,465 |
| Equity capital to assets | 6.5959% | 7,123 |
| Core capital (leverage) ratio | 6.1558% | 7,114 |
| Tier 1 risk-based capital ratio | 9.1918% | 7,090 |
| Total risk-based capital ratio | 10.3998% | 7,093 |
| Memoranda: | ||
| Average total assets | $180,346,250 | 3,342 |
| Average earning assets | $166,886,750 | 3,302 |
| Average equity | $12,552,500 | 4,440 |
| Average total loans | $124,257,000 | 3,117 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 4,872 |
| Cost of funding earning assets | 2.0047% | 141 |
| Net interest margin | 2.6200% | 7,105 |
| Noninterest income to average assets | -0.1766% | 7,329 |
| Noninterest expense to average assets | 3.1070% | 3,225 |
| Loan and lease loss provision to assets | 0.1919% | 4,007 |
| Net operating income to assets | -1.0518% | 6,957 |
| Return on assets (ROA) | -1.0518% | 6,967 |
| Pretax return on assets | -1.0518% | 6,912 |
| Return on Equity (ROE) | -14.8632% | 7,060 |
| Retained earnings to average equity (ytd only) | -14.8632% | 7,032 |
| Net charge-offs to loans | 0.1403% | 4,353 |
| Credit loss provision to net charge-offs | 196.6292% | 1,539 |
| Earnings coverage of net charge-offs (x) | -8.8090% | 5,825 |
| Efficiency ratio | 138.2626% | 208 |
| Assets per employee ($millions) | 5.2803% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,808 |
| Loan loss allowance to noncurrent loans | 10.0815% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 15.1256% | 140 |
| Noncurrent loans to loans | 15.6088% | 125 |
| Net loans and leases to total assets | 67.2417% | 2,782 |
| Net loans and leases to deposits | 78.2924% | 3,079 |
| Net loans and leases to core deposits | 79.8755% | 3,804 |
| Total domestic deposits to total assets | 85.8854% | 3,385 |
| Equity capital to assets | 6.9827% | 7,105 |
| Core capital (leverage) ratio | 6.7590% | 7,066 |
| Tier 1 risk-based capital ratio | 9.8048% | 7,030 |
| Total risk-based capital ratio | 11.0585% | 7,029 |
| Memoranda: | ||
| Average total assets | $182,359,670 | 3,335 |
| Average earning assets | $168,705,000 | 3,297 |
| Average equity | $12,904,330 | 4,365 |
| Average total loans | $126,897,330 | 3,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 4,626 |
| Cost of funding earning assets | 2.0866% | 131 |
| Net interest margin | 2.5900% | 7,131 |
| Noninterest income to average assets | 0.0218% | 7,236 |
| Noninterest expense to average assets | 3.2039% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.7857% | 6,954 |
| Return on assets (ROA) | -0.7857% | 6,964 |
| Pretax return on assets | -0.7857% | 6,912 |
| Return on Equity (ROE) | -11.0326% | 7,050 |
| Retained earnings to average equity (ytd only) | -11.0326% | 6,906 |
| Net charge-offs to loans | 0.1023% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -10.9394% | 5,059 |
| Efficiency ratio | 132.4932% | 247 |
| Assets per employee ($millions) | 5.2974% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 4,526 |
| Loan loss allowance to noncurrent loans | 10.1782% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 14.0900% | 178 |
| Noncurrent loans to loans | 14.0406% | 182 |
| Net loans and leases to total assets | 69.3531% | 2,254 |
| Net loans and leases to deposits | 82.3216% | 2,305 |
| Net loans and leases to core deposits | 83.8659% | 3,181 |
| Total domestic deposits to total assets | 84.2466% | 4,390 |
| Equity capital to assets | 7.1838% | 7,022 |
| Core capital (leverage) ratio | 6.9138% | 7,040 |
| Tier 1 risk-based capital ratio | 10.0072% | 7,002 |
| Total risk-based capital ratio | 11.2593% | 6,999 |
| Memoranda: | ||
| Average total assets | $183,774,500 | 3,341 |
| Average earning assets | $170,039,000 | 3,301 |
| Average equity | $13,088,500 | 4,316 |
| Average total loans | $129,021,500 | 3,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 3,973 |
| Cost of funding earning assets | 2.4859% | 116 |
| Net interest margin | 2.6405% | 7,178 |
| Noninterest income to average assets | -0.3185% | 7,514 |
| Noninterest expense to average assets | 2.9467% | 4,047 |
| Loan and lease loss provision to assets | 0.3943% | 3,750 |
| Net operating income to assets | -1.1566% | 6,765 |
| Return on assets (ROA) | -0.9789% | 6,712 |
| Pretax return on assets | -0.9789% | 6,630 |
| Return on Equity (ROE) | -15.8268% | 6,947 |
| Retained earnings to average equity (ytd only) | -15.8268% | 6,914 |
| Net charge-offs to loans | 0.8644% | 2,469 |
| Credit loss provision to net charge-offs | 60.4769% | 6,073 |
| Earnings coverage of net charge-offs (x) | -1.1691% | 6,636 |
| Efficiency ratio | 134.8932% | 282 |
| Assets per employee ($millions) | 5.8574% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,487 |
| Loan loss allowance to noncurrent loans | 9.5569% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 13.7860% | 201 |
| Noncurrent loans to loans | 14.6933% | 174 |
| Net loans and leases to total assets | 69.0764% | 2,744 |
| Net loans and leases to deposits | 81.5235% | 2,905 |
| Net loans and leases to core deposits | 86.5555% | 3,249 |
| Total domestic deposits to total assets | 84.7319% | 3,979 |
| Equity capital to assets | 7.0627% | 7,092 |
| Core capital (leverage) ratio | 6.6193% | 7,167 |
| Tier 1 risk-based capital ratio | 10.0516% | 6,957 |
| Total risk-based capital ratio | 11.3036% | 6,946 |
| Memoranda: | ||
| Average total assets | $212,268,600 | 2,959 |
| Average earning assets | $201,212,600 | 2,861 |
| Average equity | $13,129,600 | 4,342 |
| Average total loans | $160,117,600 | 2,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 3,895 |
| Cost of funding earning assets | 2.5172% | 131 |
| Net interest margin | 2.6703% | 7,263 |
| Noninterest income to average assets | -0.2136% | 7,601 |
| Noninterest expense to average assets | 2.8072% | 4,453 |
| Loan and lease loss provision to assets | 0.3741% | 3,647 |
| Net operating income to assets | -0.8519% | 6,817 |
| Return on assets (ROA) | -0.6811% | 6,766 |
| Pretax return on assets | -0.6811% | 6,666 |
| Return on Equity (ROE) | -11.3563% | 6,979 |
| Retained earnings to average equity (ytd only) | -11.3563% | 6,939 |
| Net charge-offs to loans | 0.7499% | 2,547 |
| Credit loss provision to net charge-offs | 65.1435% | 5,559 |
| Earnings coverage of net charge-offs (x) | -0.8321% | 6,421 |
| Efficiency ratio | 120.5135% | 388 |
| Assets per employee ($millions) | 6.7003% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,787 |
| Loan loss allowance to noncurrent loans | 10.3882% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 12.7433% | 237 |
| Noncurrent loans to loans | 12.8292% | 236 |
| Net loans and leases to total assets | 73.5317% | 1,904 |
| Net loans and leases to deposits | 86.8773% | 2,167 |
| Net loans and leases to core deposits | 94.7146% | 2,418 |
| Total domestic deposits to total assets | 84.6386% | 3,810 |
| Equity capital to assets | 6.9246% | 7,363 |
| Core capital (leverage) ratio | 6.6318% | 7,299 |
| Tier 1 risk-based capital ratio | 9.4561% | 7,261 |
| Total risk-based capital ratio | 10.7076% | 7,262 |
| Memoranda: | ||
| Average total assets | $218,476,750 | 2,942 |
| Average earning assets | $208,060,250 | 2,814 |
| Average equity | $13,102,500 | 4,418 |
| Average total loans | $167,317,500 | 2,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 3,910 |
| Cost of funding earning assets | 2.5618% | 141 |
| Net interest margin | 2.6465% | 7,305 |
| Noninterest income to average assets | 0.0666% | 7,250 |
| Noninterest expense to average assets | 2.6767% | 5,007 |
| Loan and lease loss provision to assets | 0.4503% | 3,073 |
| Net operating income to assets | -0.5278% | 6,675 |
| Return on assets (ROA) | -0.5278% | 6,711 |
| Pretax return on assets | -0.5278% | 6,611 |
| Return on Equity (ROE) | -9.2461% | 6,936 |
| Retained earnings to average equity (ytd only) | -9.2461% | 6,878 |
| Net charge-offs to loans | 0.5889% | 2,763 |
| Credit loss provision to net charge-offs | 99.0099% | 4,149 |
| Earnings coverage of net charge-offs (x) | -0.1703% | 5,856 |
| Efficiency ratio | 102.9799% | 712 |
| Assets per employee ($millions) | 7.1562% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,354 |
| Loan loss allowance to noncurrent loans | 12.8848% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 10.0134% | 406 |
| Noncurrent loans to loans | 10.9821% | 365 |
| Net loans and leases to total assets | 74.9332% | 1,710 |
| Net loans and leases to deposits | 88.8320% | 2,028 |
| Net loans and leases to core deposits | 88.8320% | 3,436 |
| Total domestic deposits to total assets | 84.3538% | 3,933 |
| Equity capital to assets | 6.5993% | 7,457 |
| Core capital (leverage) ratio | 6.4620% | 7,390 |
| Tier 1 risk-based capital ratio | 8.8942% | 7,435 |
| Total risk-based capital ratio | 10.1471% | 7,448 |
| Memoranda: | ||
| Average total assets | $222,066,000 | 2,910 |
| Average earning assets | $212,509,670 | 2,782 |
| Average equity | $12,675,670 | 4,504 |
| Average total loans | $171,491,670 | 2,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 4,372 |
| Cost of funding earning assets | 2.6797% | 129 |
| Net interest margin | 2.4543% | 7,506 |
| Noninterest income to average assets | 0.0270% | 7,573 |
| Noninterest expense to average assets | 2.6141% | 5,294 |
| Loan and lease loss provision to assets | 0.1800% | 4,725 |
| Net operating income to assets | -0.4141% | 6,771 |
| Return on assets (ROA) | -0.4141% | 6,804 |
| Pretax return on assets | -0.4141% | 6,727 |
| Return on Equity (ROE) | -7.8676% | 7,049 |
| Retained earnings to average equity (ytd only) | -7.8676% | 6,820 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8336% | 603 |
| Assets per employee ($millions) | 7.3802% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,138 |
| Loan loss allowance to noncurrent loans | 13.1827% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 10.0373% | 396 |
| Noncurrent loans to loans | 11.0643% | 354 |
| Net loans and leases to total assets | 76.0114% | 1,541 |
| Net loans and leases to deposits | 88.6719% | 2,099 |
| Net loans and leases to core deposits | 97.4651% | 2,397 |
| Total domestic deposits to total assets | 85.7221% | 3,297 |
| Equity capital to assets | 5.2348% | 7,701 |
| Core capital (leverage) ratio | 5.0442% | 7,699 |
| Tier 1 risk-based capital ratio | 6.9643% | 7,698 |
| Total risk-based capital ratio | 8.2177% | 7,703 |
| Memoranda: | ||
| Average total assets | $222,177,500 | 2,962 |
| Average earning assets | $213,012,500 | 2,833 |
| Average equity | $11,693,500 | 4,793 |
| Average total loans | $172,927,500 | 2,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7377% | 2,919 |
| Cost of funding earning assets | 3.3883% | 70 |
| Net interest margin | 2.3494% | 7,546 |
| Noninterest income to average assets | 0.0255% | 7,607 |
| Noninterest expense to average assets | 2.6476% | 5,603 |
| Loan and lease loss provision to assets | 1.6947% | 1,345 |
| Net operating income to assets | -2.0428% | 7,112 |
| Return on assets (ROA) | -2.0428% | 7,108 |
| Pretax return on assets | -2.0428% | 6,957 |
| Return on Equity (ROE) | -30.6022% | 7,415 |
| Retained earnings to average equity (ytd only) | -30.6022% | 7,400 |
| Net charge-offs to loans | 1.4743% | 1,698 |
| Credit loss provision to net charge-offs | 136.7949% | 3,605 |
| Earnings coverage of net charge-offs (x) | -0.2809% | 6,526 |
| Efficiency ratio | 115.1338% | 684 |
| Assets per employee ($millions) | 6.5574% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,408 |
| Loan loss allowance to noncurrent loans | 13.1042% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 8.8204% | 461 |
| Noncurrent loans to loans | 10.4221% | 379 |
| Net loans and leases to total assets | 77.4523% | 1,494 |
| Net loans and leases to deposits | 91.5642% | 1,952 |
| Net loans and leases to core deposits | 130.9680% | 1,232 |
| Total domestic deposits to total assets | 84.5880% | 3,763 |
| Equity capital to assets | 5.2913% | 7,759 |
| Core capital (leverage) ratio | 5.2463% | 7,738 |
| Tier 1 risk-based capital ratio | 7.0384% | 7,742 |
| Total risk-based capital ratio | 8.2913% | 7,747 |
| Memoranda: | ||
| Average total assets | $216,080,400 | 3,003 |
| Average earning assets | $209,161,800 | 2,845 |
| Average equity | $14,423,800 | 4,167 |
| Average total loans | $181,576,000 | 2,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8325% | 2,739 |
| Cost of funding earning assets | 3.5031% | 71 |
| Net interest margin | 2.3294% | 7,621 |
| Noninterest income to average assets | 0.0255% | 7,745 |
| Noninterest expense to average assets | 2.4226% | 6,344 |
| Loan and lease loss provision to assets | 1.6775% | 1,111 |
| Net operating income to assets | -1.8181% | 7,243 |
| Return on assets (ROA) | -1.8181% | 7,240 |
| Pretax return on assets | -1.8181% | 7,094 |
| Return on Equity (ROE) | -25.8429% | 7,523 |
| Retained earnings to average equity (ytd only) | -25.8429% | 7,504 |
| Net charge-offs to loans | 1.2627% | 1,625 |
| Credit loss provision to net charge-offs | 155.4467% | 3,072 |
| Earnings coverage of net charge-offs (x) | -0.1303% | 6,221 |
| Efficiency ratio | 106.1597% | 853 |
| Assets per employee ($millions) | 6.8597% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,472 |
| Loan loss allowance to noncurrent loans | 15.8384% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 7.4584% | 603 |
| Noncurrent loans to loans | 8.2417% | 579 |
| Net loans and leases to total assets | 81.5630% | 886 |
| Net loans and leases to deposits | 97.5094% | 1,380 |
| Net loans and leases to core deposits | 139.7290% | 929 |
| Total domestic deposits to total assets | 83.6463% | 3,885 |
| Equity capital to assets | 6.0658% | 7,848 |
| Core capital (leverage) ratio | 5.8620% | 7,824 |
| Tier 1 risk-based capital ratio | 7.6354% | 7,840 |
| Total risk-based capital ratio | 8.8872% | 7,844 |
| Memoranda: | ||
| Average total assets | $214,363,000 | 3,033 |
| Average earning assets | $207,659,000 | 2,884 |
| Average equity | $15,080,500 | 4,082 |
| Average total loans | $183,202,250 | 2,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0177% | 2,114 |
| Cost of funding earning assets | 3.5854% | 79 |
| Net interest margin | 2.4322% | 7,545 |
| Noninterest income to average assets | 0.0263% | 7,848 |
| Noninterest expense to average assets | 2.2460% | 6,928 |
| Loan and lease loss provision to assets | 0.1270% | 5,834 |
| Net operating income to assets | 0.0160% | 5,790 |
| Return on assets (ROA) | 0.0160% | 5,871 |
| Pretax return on assets | 0.0160% | 5,830 |
| Return on Equity (ROE) | 0.2170% | 5,857 |
| Retained earnings to average equity (ytd only) | 0.2170% | 5,128 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0157% | 1,492 |
| Assets per employee ($millions) | 6.8436% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 7,062 |
| Loan loss allowance to noncurrent loans | 11.7436% | 7,463 |
| Noncurrent assets plus other real estate owned to assets | 6.1499% | 780 |
| Noncurrent loans to loans | 7.0353% | 691 |
| Net loans and leases to total assets | 84.4655% | 565 |
| Net loans and leases to deposits | 104.9753% | 831 |
| Net loans and leases to core deposits | 155.3180% | 537 |
| Total domestic deposits to total assets | 80.4622% | 5,293 |
| Equity capital to assets | 7.3851% | 7,360 |
| Core capital (leverage) ratio | 7.4096% | 7,128 |
| Tier 1 risk-based capital ratio | 9.1622% | 7,613 |
| Total risk-based capital ratio | 10.0491% | 7,823 |
| Memoranda: | ||
| Average total assets | $212,647,330 | 3,078 |
| Average earning assets | $206,559,000 | 2,916 |
| Average equity | $15,669,000 | 3,985 |
| Average total loans | $183,800,670 | 2,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1117% | 1,905 |
| Cost of funding earning assets | 3.6827% | 95 |
| Net interest margin | 2.4290% | 7,588 |
| Noninterest income to average assets | 0.0286% | 7,938 |
| Noninterest expense to average assets | 2.2342% | 6,741 |
| Loan and lease loss provision to assets | 0.0955% | 5,737 |
| Net operating income to assets | 0.0458% | 6,141 |
| Return on assets (ROA) | 0.0458% | 6,292 |
| Pretax return on assets | 0.0630% | 6,248 |
| Return on Equity (ROE) | 0.6227% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.6227% | 5,408 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3759% | 1,471 |
| Assets per employee ($millions) | 6.6372% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 7,182 |
| Loan loss allowance to noncurrent loans | 13.5745% | 7,445 |
| Noncurrent assets plus other real estate owned to assets | 5.2380% | 839 |
| Noncurrent loans to loans | 5.8431% | 838 |
| Net loans and leases to total assets | 85.7428% | 482 |
| Net loans and leases to deposits | 107.4750% | 757 |
| Net loans and leases to core deposits | 169.0351% | 363 |
| Total domestic deposits to total assets | 79.7793% | 5,442 |
| Equity capital to assets | 7.6369% | 7,234 |
| Core capital (leverage) ratio | 7.6030% | 7,023 |
| Tier 1 risk-based capital ratio | 9.4766% | 7,448 |
| Total risk-based capital ratio | 10.3430% | 7,753 |
| Memoranda: | ||
| Average total assets | $209,473,000 | 3,119 |
| Average earning assets | $203,870,000 | 2,967 |
| Average equity | $15,417,000 | 4,055 |
| Average total loans | $182,442,500 | 2,559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6101% | 2,435 |
| Cost of funding earning assets | 4.1576% | 57 |
| Net interest margin | 2.4525% | 7,803 |
| Noninterest income to average assets | 0.0399% | 7,935 |
| Noninterest expense to average assets | 2.1773% | 7,025 |
| Loan and lease loss provision to assets | 0.0746% | 6,469 |
| Net operating income to assets | 0.1161% | 6,068 |
| Return on assets (ROA) | 0.0419% | 6,109 |
| Pretax return on assets | 0.0634% | 6,021 |
| Return on Equity (ROE) | 0.5702% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.5702% | 4,899 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6864% | 1,539 |
| Assets per employee ($millions) | 6.4548% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,188 |
| Loan loss allowance to noncurrent loans | 18.3623% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 3.9002% | 1,074 |
| Noncurrent loans to loans | 4.2229% | 1,154 |
| Net loans and leases to total assets | 87.1017% | 464 |
| Net loans and leases to deposits | 109.0369% | 896 |
| Net loans and leases to core deposits | 173.9332% | 349 |
| Total domestic deposits to total assets | 79.8828% | 5,067 |
| Equity capital to assets | 7.0751% | 7,700 |
| Core capital (leverage) ratio | 6.9627% | 7,718 |
| Tier 1 risk-based capital ratio | 8.5940% | 7,970 |
| Total risk-based capital ratio | 9.4330% | 8,093 |
| Memoranda: | ||
| Average total assets | $195,699,000 | 3,193 |
| Average earning assets | $190,543,000 | 3,031 |
| Average equity | $14,380,200 | 4,258 |
| Average total loans | $168,668,200 | 2,632 |