Home > First Trust Bank > Performance and Condition Ratios
First Trust Bank, Performance and Condition Ratios
| 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 | 4.4733% | 3,739 |
| Cost of funding earning assets | 0.8311% | 2,698 |
| Net interest margin | 3.6422% | 4,046 |
| Noninterest income to average assets | 0.0006% | 6,932 |
| Noninterest expense to average assets | 1.9921% | 6,361 |
| Loan and lease loss provision to assets | -0.0837% | 7,022 |
| Net operating income to assets | 0.9168% | 2,898 |
| Return on assets (ROA) | 0.9168% | 3,123 |
| Pretax return on assets | 1.3986% | 2,242 |
| Return on Equity (ROE) | 8.0429% | 3,269 |
| Retained earnings to average equity (ytd only) | 8.0429% | 1,604 |
| Net charge-offs to loans | 0.0554% | 4,882 |
| Credit loss provision to net charge-offs | -292.3077% | 6,378 |
| Earnings coverage of net charge-offs (x) | 45.9452% | 800 |
| Efficiency ratio | 60.2378% | 5,459 |
| Assets per employee ($millions) | 10.5613% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5102% | 468 |
| Loan loss allowance to noncurrent loans | 60.6691% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 5.5667% | 763 |
| Noncurrent loans to loans | 5.7858% | 724 |
| Net loans and leases to total assets | 46.9525% | 5,662 |
| Net loans and leases to deposits | 56.3335% | 5,603 |
| Net loans and leases to core deposits | 74.7948% | 3,878 |
| Total domestic deposits to total assets | 83.3474% | 4,502 |
| Equity capital to assets | 12.5316% | 1,871 |
| Core capital (leverage) ratio | 11.5515% | 1,947 |
| Tier 1 risk-based capital ratio | 19.2369% | 1,936 |
| Total risk-based capital ratio | 20.5061% | 1,905 |
| Memoranda: | ||
| Average total assets | $423,924,500 | 1,566 |
| Average earning assets | $384,848,250 | 1,572 |
| Average equity | $48,323,000 | 1,470 |
| Average total loans | $219,192,000 | 1,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 3,783 |
| Cost of funding earning assets | 0.8637% | 2,696 |
| Net interest margin | 3.6323% | 4,122 |
| Noninterest income to average assets | 0.0473% | 6,862 |
| Noninterest expense to average assets | 1.9909% | 6,452 |
| Loan and lease loss provision to assets | -0.1233% | 7,119 |
| Net operating income to assets | 0.9206% | 2,806 |
| Return on assets (ROA) | 0.9206% | 3,076 |
| Pretax return on assets | 1.4801% | 1,921 |
| Return on Equity (ROE) | 8.3329% | 3,100 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,504 |
| Net charge-offs to loans | 0.0951% | 4,209 |
| Credit loss provision to net charge-offs | -246.2963% | 6,179 |
| Earnings coverage of net charge-offs (x) | 27.1019% | 1,140 |
| Efficiency ratio | 59.4711% | 5,665 |
| Assets per employee ($millions) | 10.6518% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1827% | 652 |
| Loan loss allowance to noncurrent loans | 54.3777% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 6.3788% | 646 |
| Noncurrent loans to loans | 5.8529% | 772 |
| Net loans and leases to total assets | 50.0723% | 5,343 |
| Net loans and leases to deposits | 59.0989% | 5,325 |
| Net loans and leases to core deposits | 80.4884% | 3,149 |
| Total domestic deposits to total assets | 84.7263% | 3,986 |
| Equity capital to assets | 11.7919% | 2,325 |
| Core capital (leverage) ratio | 11.0456% | 2,256 |
| Tier 1 risk-based capital ratio | 17.2471% | 2,566 |
| Total risk-based capital ratio | 18.5133% | 2,524 |
| Memoranda: | ||
| Average total assets | $431,455,670 | 1,541 |
| Average earning assets | $392,034,330 | 1,548 |
| Average equity | $47,666,330 | 1,475 |
| Average total loans | $227,159,330 | 1,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 3,925 |
| Cost of funding earning assets | 0.9013% | 2,678 |
| Net interest margin | 3.5951% | 4,289 |
| Noninterest income to average assets | 0.0337% | 6,994 |
| Noninterest expense to average assets | 1.9624% | 6,532 |
| Loan and lease loss provision to assets | 0.1274% | 3,754 |
| Net operating income to assets | 0.7564% | 3,593 |
| Return on assets (ROA) | 0.7564% | 3,831 |
| Pretax return on assets | 1.2115% | 2,875 |
| Return on Equity (ROE) | 7.0714% | 3,751 |
| Retained earnings to average equity (ytd only) | 7.0714% | 2,401 |
| Net charge-offs to loans | 0.4646% | 1,927 |
| Credit loss provision to net charge-offs | 51.6605% | 3,250 |
| Earnings coverage of net charge-offs (x) | 5.4280% | 2,371 |
| Efficiency ratio | 59.4431% | 5,703 |
| Assets per employee ($millions) | 10.3972% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1079% | 752 |
| Loan loss allowance to noncurrent loans | 32.5055% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 8.1240% | 462 |
| Noncurrent loans to loans | 9.5611% | 333 |
| Net loans and leases to total assets | 50.5537% | 5,227 |
| Net loans and leases to deposits | 59.0096% | 5,278 |
| Net loans and leases to core deposits | 80.7866% | 2,972 |
| Total domestic deposits to total assets | 85.6704% | 3,703 |
| Equity capital to assets | 10.8596% | 3,073 |
| Core capital (leverage) ratio | 10.3090% | 2,983 |
| Tier 1 risk-based capital ratio | 15.8436% | 3,252 |
| Total risk-based capital ratio | 17.1089% | 3,220 |
| Memoranda: | ||
| Average total assets | $439,473,000 | 1,518 |
| Average earning assets | $399,428,500 | 1,522 |
| Average equity | $47,006,500 | 1,480 |
| Average total loans | $233,314,500 | 1,766 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 3,948 |
| Cost of funding earning assets | 1.1652% | 2,250 |
| Net interest margin | 3.6035% | 4,719 |
| Noninterest income to average assets | -0.1554% | 7,138 |
| Noninterest expense to average assets | 1.8563% | 6,885 |
| Loan and lease loss provision to assets | 0.6902% | 1,482 |
| Net operating income to assets | 0.4193% | 4,776 |
| Return on assets (ROA) | 0.5282% | 4,510 |
| Pretax return on assets | 0.6915% | 4,352 |
| Return on Equity (ROE) | 5.4568% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.4568% | 2,332 |
| Net charge-offs to loans | 2.5062% | 465 |
| Credit loss provision to net charge-offs | 48.7486% | 5,450 |
| Earnings coverage of net charge-offs (x) | 0.8747% | 5,146 |
| Efficiency ratio | 59.9815% | 5,761 |
| Assets per employee ($millions) | 10.5301% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0202% | 796 |
| Loan loss allowance to noncurrent loans | 29.1759% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 8.6480% | 428 |
| Noncurrent loans to loans | 10.3518% | 294 |
| Net loans and leases to total assets | 52.3617% | 5,256 |
| Net loans and leases to deposits | 60.8103% | 5,394 |
| Net loans and leases to core deposits | 83.6677% | 2,932 |
| Total domestic deposits to total assets | 86.1067% | 3,255 |
| Equity capital to assets | 10.5347% | 3,494 |
| Core capital (leverage) ratio | 9.8135% | 3,576 |
| Tier 1 risk-based capital ratio | 14.8626% | 3,719 |
| Total risk-based capital ratio | 16.1273% | 3,687 |
| Memoranda: | ||
| Average total assets | $454,356,800 | 1,444 |
| Average earning assets | $409,796,400 | 1,457 |
| Average equity | $43,982,200 | 1,538 |
| Average total loans | $256,687,200 | 1,643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 4,045 |
| Cost of funding earning assets | 1.2259% | 2,154 |
| Net interest margin | 3.5673% | 4,912 |
| Noninterest income to average assets | -0.2111% | 7,275 |
| Noninterest expense to average assets | 1.8161% | 6,974 |
| Loan and lease loss provision to assets | 0.7285% | 1,316 |
| Net operating income to assets | 0.3553% | 5,185 |
| Return on assets (ROA) | 0.4597% | 4,917 |
| Pretax return on assets | 0.5932% | 4,833 |
| Return on Equity (ROE) | 4.8526% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.8526% | 3,274 |
| Net charge-offs to loans | 2.4888% | 439 |
| Credit loss provision to net charge-offs | 51.2615% | 5,009 |
| Earnings coverage of net charge-offs (x) | 0.8347% | 4,988 |
| Efficiency ratio | 60.4913% | 5,637 |
| Assets per employee ($millions) | 11.6099% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2890% | 668 |
| Loan loss allowance to noncurrent loans | 37.0608% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 8.1579% | 534 |
| Noncurrent loans to loans | 8.8747% | 451 |
| Net loans and leases to total assets | 51.4956% | 5,513 |
| Net loans and leases to deposits | 59.5922% | 5,680 |
| Net loans and leases to core deposits | 81.8722% | 3,347 |
| Total domestic deposits to total assets | 86.4133% | 2,978 |
| Equity capital to assets | 9.8922% | 4,489 |
| Core capital (leverage) ratio | 9.0700% | 4,825 |
| Tier 1 risk-based capital ratio | 13.8341% | 4,469 |
| Total risk-based capital ratio | 15.1014% | 4,416 |
| Memoranda: | ||
| Average total assets | $457,380,000 | 1,448 |
| Average earning assets | $411,994,000 | 1,460 |
| Average equity | $43,330,000 | 1,562 |
| Average total loans | $261,161,750 | 1,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 3,899 |
| Cost of funding earning assets | 1.2568% | 2,209 |
| Net interest margin | 3.5851% | 4,774 |
| Noninterest income to average assets | -0.2514% | 7,360 |
| Noninterest expense to average assets | 1.8302% | 7,045 |
| Loan and lease loss provision to assets | 1.0984% | 746 |
| Net operating income to assets | 0.0497% | 6,120 |
| Return on assets (ROA) | 0.0681% | 6,164 |
| Pretax return on assets | 0.0681% | 6,152 |
| Return on Equity (ROE) | 0.7301% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.7301% | 5,564 |
| Net charge-offs to loans | 2.7864% | 392 |
| Credit loss provision to net charge-offs | 67.4858% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.7054% | 4,768 |
| Efficiency ratio | 61.4522% | 5,660 |
| Assets per employee ($millions) | 11.1397% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6572% | 528 |
| Loan loss allowance to noncurrent loans | 47.5181% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 8.0048% | 577 |
| Noncurrent loans to loans | 7.6963% | 612 |
| Net loans and leases to total assets | 52.3926% | 5,516 |
| Net loans and leases to deposits | 61.1107% | 5,606 |
| Net loans and leases to core deposits | 87.5842% | 2,690 |
| Total domestic deposits to total assets | 85.7338% | 3,479 |
| Equity capital to assets | 9.2896% | 5,156 |
| Core capital (leverage) ratio | 8.9089% | 4,866 |
| Tier 1 risk-based capital ratio | 13.0800% | 4,853 |
| Total risk-based capital ratio | 14.3510% | 4,813 |
| Memoranda: | ||
| Average total assets | $455,041,670 | 1,465 |
| Average earning assets | $409,915,000 | 1,480 |
| Average equity | $42,460,330 | 1,575 |
| Average total loans | $265,790,330 | 1,623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 3,274 |
| Cost of funding earning assets | 1.3003% | 2,170 |
| Net interest margin | 3.6638% | 4,266 |
| Noninterest income to average assets | -0.3094% | 7,457 |
| Noninterest expense to average assets | 1.8465% | 7,079 |
| Loan and lease loss provision to assets | 0.4003% | 2,194 |
| Net operating income to assets | 0.5528% | 4,262 |
| Return on assets (ROA) | 0.5528% | 4,346 |
| Pretax return on assets | 0.7498% | 4,096 |
| Return on Equity (ROE) | 5.9105% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.9105% | 2,693 |
| Net charge-offs to loans | 3.3904% | 298 |
| Credit loss provision to net charge-offs | 19.5133% | 4,257 |
| Earnings coverage of net charge-offs (x) | 0.5606% | 4,198 |
| Efficiency ratio | 61.6186% | 5,736 |
| Assets per employee ($millions) | 10.7644% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2710% | 728 |
| Loan loss allowance to noncurrent loans | 32.9214% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 9.0128% | 478 |
| Noncurrent loans to loans | 9.9357% | 408 |
| Net loans and leases to total assets | 56.6251% | 4,885 |
| Net loans and leases to deposits | 65.0701% | 5,117 |
| Net loans and leases to core deposits | 94.1953% | 1,866 |
| Total domestic deposits to total assets | 87.0218% | 2,923 |
| Equity capital to assets | 9.3185% | 4,698 |
| Core capital (leverage) ratio | 9.2574% | 4,191 |
| Tier 1 risk-based capital ratio | 12.5534% | 5,215 |
| Total risk-based capital ratio | 13.8201% | 5,174 |
| Memoranda: | ||
| Average total assets | $448,628,500 | 1,497 |
| Average earning assets | $404,824,500 | 1,508 |
| Average equity | $41,959,000 | 1,585 |
| Average total loans | $271,469,000 | 1,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 4,162 |
| Cost of funding earning assets | 1.2615% | 4,136 |
| Net interest margin | 3.8240% | 3,846 |
| Noninterest income to average assets | 0.0486% | 7,114 |
| Noninterest expense to average assets | 1.7450% | 7,312 |
| Loan and lease loss provision to assets | 3.6183% | 200 |
| Net operating income to assets | -0.9423% | 6,647 |
| Return on assets (ROA) | -0.8473% | 6,631 |
| Pretax return on assets | -1.6232% | 6,901 |
| Return on Equity (ROE) | -8.5045% | 6,647 |
| Retained earnings to average equity (ytd only) | -8.5045% | 6,563 |
| Net charge-offs to loans | 4.2922% | 267 |
| Credit loss provision to net charge-offs | 124.1873% | 3,321 |
| Earnings coverage of net charge-offs (x) | 0.6338% | 5,475 |
| Efficiency ratio | 48.5837% | 7,231 |
| Assets per employee ($millions) | 10.3524% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7765% | 480 |
| Loan loss allowance to noncurrent loans | 33.0773% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 9.7128% | 429 |
| Noncurrent loans to loans | 11.4170% | 327 |
| Net loans and leases to total assets | 60.1518% | 4,653 |
| Net loans and leases to deposits | 72.0238% | 4,514 |
| Net loans and leases to core deposits | 102.0819% | 1,449 |
| Total domestic deposits to total assets | 83.5165% | 4,598 |
| Equity capital to assets | 9.3875% | 4,562 |
| Core capital (leverage) ratio | 9.2630% | 4,080 |
| Tier 1 risk-based capital ratio | 12.5043% | 5,017 |
| Total risk-based capital ratio | 13.7778% | 4,987 |
| Memoranda: | ||
| Average total assets | $455,080,400 | 1,460 |
| Average earning assets | $421,656,800 | 1,435 |
| Average equity | $45,340,600 | 1,475 |
| Average total loans | $308,906,600 | 1,450 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 4,180 |
| Cost of funding earning assets | 1.2497% | 4,574 |
| Net interest margin | 3.8784% | 3,618 |
| Noninterest income to average assets | 0.1195% | 6,952 |
| Noninterest expense to average assets | 1.6653% | 7,457 |
| Loan and lease loss provision to assets | 2.9332% | 308 |
| Net operating income to assets | -0.5874% | 6,655 |
| Return on assets (ROA) | -0.4537% | 6,603 |
| Pretax return on assets | -0.6705% | 6,659 |
| Return on Equity (ROE) | -4.4906% | 6,607 |
| Retained earnings to average equity (ytd only) | -4.4906% | 6,513 |
| Net charge-offs to loans | 3.9102% | 320 |
| Credit loss provision to net charge-offs | 108.4231% | 3,927 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 5,300 |
| Efficiency ratio | 44.6310% | 7,443 |
| Assets per employee ($millions) | 11.3737% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6851% | 1,098 |
| Loan loss allowance to noncurrent loans | 36.3457% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 6.2937% | 916 |
| Noncurrent loans to loans | 7.3876% | 732 |
| Net loans and leases to total assets | 64.4005% | 4,044 |
| Net loans and leases to deposits | 78.2677% | 3,781 |
| Net loans and leases to core deposits | 112.0156% | 934 |
| Total domestic deposits to total assets | 82.2823% | 4,880 |
| Equity capital to assets | 10.1278% | 3,981 |
| Core capital (leverage) ratio | 9.6481% | 3,684 |
| Tier 1 risk-based capital ratio | 12.7347% | 4,791 |
| Total risk-based capital ratio | 13.9982% | 4,757 |
| Memoranda: | ||
| Average total assets | $457,562,000 | 1,472 |
| Average earning assets | $426,109,250 | 1,442 |
| Average equity | $46,228,500 | 1,461 |
| Average total loans | $316,564,000 | 1,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 4,004 |
| Cost of funding earning assets | 1.2496% | 4,830 |
| Net interest margin | 3.9410% | 3,278 |
| Noninterest income to average assets | 0.1243% | 6,974 |
| Noninterest expense to average assets | 1.5941% | 7,571 |
| Loan and lease loss provision to assets | 2.6726% | 403 |
| Net operating income to assets | -0.4367% | 6,600 |
| Return on assets (ROA) | -0.4367% | 6,634 |
| Pretax return on assets | -0.4646% | 6,556 |
| Return on Equity (ROE) | -4.3259% | 6,640 |
| Retained earnings to average equity (ytd only) | -4.3259% | 6,478 |
| Net charge-offs to loans | 2.0670% | 876 |
| Credit loss provision to net charge-offs | 184.2406% | 2,139 |
| Earnings coverage of net charge-offs (x) | 1.5221% | 4,347 |
| Efficiency ratio | 41.9277% | 7,594 |
| Assets per employee ($millions) | 11.4621% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2142% | 691 |
| Loan loss allowance to noncurrent loans | 48.3814% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 5.5939% | 1,093 |
| Noncurrent loans to loans | 6.6435% | 888 |
| Net loans and leases to total assets | 66.3532% | 3,759 |
| Net loans and leases to deposits | 81.4528% | 3,349 |
| Net loans and leases to core deposits | 121.4753% | 648 |
| Total domestic deposits to total assets | 81.4621% | 5,214 |
| Equity capital to assets | 10.0128% | 4,013 |
| Core capital (leverage) ratio | 9.6036% | 3,672 |
| Tier 1 risk-based capital ratio | 12.4513% | 4,907 |
| Total risk-based capital ratio | 13.7207% | 4,868 |
| Memoranda: | ||
| Average total assets | $458,433,670 | 1,490 |
| Average earning assets | $427,810,330 | 1,454 |
| Average equity | $46,279,330 | 1,453 |
| Average total loans | $321,728,000 | 1,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 3,624 |
| Cost of funding earning assets | 1.2662% | 5,034 |
| Net interest margin | 4.0173% | 2,802 |
| Noninterest income to average assets | 0.1387% | 6,989 |
| Noninterest expense to average assets | 1.5820% | 7,666 |
| Loan and lease loss provision to assets | 1.7408% | 650 |
| Net operating income to assets | 0.4607% | 4,569 |
| Return on assets (ROA) | 0.4607% | 4,695 |
| Pretax return on assets | 0.5838% | 4,677 |
| Return on Equity (ROE) | 4.5453% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.5453% | 3,425 |
| Net charge-offs to loans | 1.5377% | 1,132 |
| Credit loss provision to net charge-offs | 159.4724% | 2,260 |
| Earnings coverage of net charge-offs (x) | 2.1295% | 3,471 |
| Efficiency ratio | 40.4959% | 7,717 |
| Assets per employee ($millions) | 11.5252% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4767% | 1,330 |
| Loan loss allowance to noncurrent loans | 69.1831% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.6963% | 2,701 |
| Noncurrent loans to loans | 3.5800% | 2,231 |
| Net loans and leases to total assets | 68.7229% | 3,227 |
| Net loans and leases to deposits | 84.5628% | 2,841 |
| Net loans and leases to core deposits | 133.0827% | 420 |
| Total domestic deposits to total assets | 81.2684% | 5,360 |
| Equity capital to assets | 10.1757% | 3,635 |
| Core capital (leverage) ratio | 10.1389% | 2,995 |
| Tier 1 risk-based capital ratio | 12.5770% | 4,664 |
| Total risk-based capital ratio | 13.8388% | 4,616 |
| Memoranda: | ||
| Average total assets | $458,409,000 | 1,534 |
| Average earning assets | $429,936,000 | 1,484 |
| Average equity | $46,465,500 | 1,451 |
| Average total loans | $325,431,500 | 1,446 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 4,426 |
| Cost of funding earning assets | 1.9306% | 3,297 |
| Net interest margin | 3.5218% | 4,862 |
| Noninterest income to average assets | 0.0997% | 7,267 |
| Noninterest expense to average assets | 1.5741% | 7,782 |
| Loan and lease loss provision to assets | 1.0242% | 2,222 |
| Net operating income to assets | 0.5245% | 3,630 |
| Return on assets (ROA) | 0.5904% | 3,445 |
| Pretax return on assets | 0.9265% | 2,837 |
| Return on Equity (ROE) | 6.2373% | 3,109 |
| Retained earnings to average equity (ytd only) | 6.2373% | 1,258 |
| Net charge-offs to loans | 0.6223% | 3,345 |
| Credit loss provision to net charge-offs | 229.9326% | 1,602 |
| Earnings coverage of net charge-offs (x) | 4.1482% | 3,036 |
| Efficiency ratio | 46.0001% | 7,713 |
| Assets per employee ($millions) | 11.1173% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 1,579 |
| Loan loss allowance to noncurrent loans | 111.0064% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6187% | 3,941 |
| Noncurrent loans to loans | 2.0178% | 3,626 |
| Net loans and leases to total assets | 69.9188% | 3,275 |
| Net loans and leases to deposits | 86.8500% | 2,767 |
| Net loans and leases to core deposits | 111.2668% | 2,763 |
| Total domestic deposits to total assets | 80.5053% | 5,512 |
| Equity capital to assets | 10.0963% | 3,622 |
| Core capital (leverage) ratio | 9.7667% | 3,371 |
| Tier 1 risk-based capital ratio | 12.4464% | 4,562 |
| Total risk-based capital ratio | 13.7057% | 4,508 |
| Memoranda: | ||
| Average total assets | $466,489,800 | 1,486 |
| Average earning assets | $440,062,800 | 1,437 |
| Average equity | $44,153,800 | 1,511 |
| Average total loans | $333,907,200 | 1,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 4,848 |
| Cost of funding earning assets | 2.0682% | 3,038 |
| Net interest margin | 3.3518% | 5,438 |
| Noninterest income to average assets | 0.0881% | 7,456 |
| Noninterest expense to average assets | 1.5721% | 7,852 |
| Loan and lease loss provision to assets | 0.6488% | 2,811 |
| Net operating income to assets | 0.6733% | 3,302 |
| Return on assets (ROA) | 0.6929% | 3,291 |
| Pretax return on assets | 1.0637% | 2,696 |
| Return on Equity (ROE) | 7.4406% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.4406% | 1,331 |
| Net charge-offs to loans | 0.2751% | 4,324 |
| Credit loss provision to net charge-offs | 329.4372% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.5425% | 2,228 |
| Efficiency ratio | 48.3060% | 7,651 |
| Assets per employee ($millions) | 11.3862% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,132 |
| Loan loss allowance to noncurrent loans | 106.3735% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 4,268 |
| Noncurrent loans to loans | 1.7494% | 3,994 |
| Net loans and leases to total assets | 69.9518% | 3,525 |
| Net loans and leases to deposits | 85.8602% | 3,342 |
| Net loans and leases to core deposits | 109.1806% | 3,329 |
| Total domestic deposits to total assets | 81.4717% | 4,890 |
| Equity capital to assets | 9.8598% | 4,259 |
| Core capital (leverage) ratio | 9.6356% | 3,734 |
| Tier 1 risk-based capital ratio | 12.1569% | 4,832 |
| Total risk-based capital ratio | 13.4121% | 4,779 |
| Memoranda: | ||
| Average total assets | $469,159,750 | 1,491 |
| Average earning assets | $443,218,000 | 1,435 |
| Average equity | $43,687,250 | 1,552 |
| Average total loans | $335,884,250 | 1,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 5,218 |
| Cost of funding earning assets | 2.2457% | 2,598 |
| Net interest margin | 3.1419% | 6,118 |
| Noninterest income to average assets | 0.0621% | 7,676 |
| Noninterest expense to average assets | 1.5449% | 7,948 |
| Loan and lease loss provision to assets | 0.5226% | 2,934 |
| Net operating income to assets | 0.6130% | 3,626 |
| Return on assets (ROA) | 0.6397% | 3,613 |
| Pretax return on assets | 1.0052% | 2,993 |
| Return on Equity (ROE) | 7.0059% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.0059% | 1,586 |
| Net charge-offs to loans | 0.2535% | 3,932 |
| Credit loss provision to net charge-offs | 287.5878% | 1,628 |
| Earnings coverage of net charge-offs (x) | 8.1780% | 2,301 |
| Efficiency ratio | 50.9688% | 7,598 |
| Assets per employee ($millions) | 11.3339% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,744 |
| Loan loss allowance to noncurrent loans | 2,094.1860% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,947 |
| Noncurrent loans to loans | 0.0764% | 7,333 |
| Net loans and leases to total assets | 69.7904% | 3,755 |
| Net loans and leases to deposits | 87.3704% | 3,288 |
| Net loans and leases to core deposits | 110.9679% | 3,259 |
| Total domestic deposits to total assets | 79.8787% | 5,517 |
| Equity capital to assets | 9.2777% | 4,912 |
| Core capital (leverage) ratio | 9.4768% | 3,927 |
| Tier 1 risk-based capital ratio | 11.6689% | 5,225 |
| Total risk-based capital ratio | 12.8934% | 5,178 |
| Memoranda: | ||
| Average total assets | $469,935,330 | 1,510 |
| Average earning assets | $444,058,000 | 1,456 |
| Average equity | $42,906,670 | 1,589 |
| Average total loans | $336,929,000 | 1,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3812% | 5,524 |
| Cost of funding earning assets | 2.4420% | 2,135 |
| Net interest margin | 2.9391% | 6,643 |
| Noninterest income to average assets | 0.1456% | 7,248 |
| Noninterest expense to average assets | 1.4702% | 8,004 |
| Loan and lease loss provision to assets | 0.4969% | 2,488 |
| Net operating income to assets | 0.6135% | 3,959 |
| Return on assets (ROA) | 0.5466% | 4,412 |
| Pretax return on assets | 0.8550% | 3,870 |
| Return on Equity (ROE) | 6.0362% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0362% | 2,607 |
| Net charge-offs to loans | 0.0083% | 5,546 |
| Credit loss provision to net charge-offs | 8,285.7143% | 81 |
| Earnings coverage of net charge-offs (x) | 242.8571% | 177 |
| Efficiency ratio | 50.2342% | 7,576 |
| Assets per employee ($millions) | 10.5935% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 2,820 |
| Loan loss allowance to noncurrent loans | 484.5506% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,839 |
| Noncurrent loans to loans | 0.3156% | 6,651 |
| Net loans and leases to total assets | 71.4957% | 3,355 |
| Net loans and leases to deposits | 89.3543% | 3,040 |
| Net loans and leases to core deposits | 114.4841% | 2,957 |
| Total domestic deposits to total assets | 80.0138% | 5,362 |
| Equity capital to assets | 9.1226% | 5,198 |
| Core capital (leverage) ratio | 9.0751% | 4,592 |
| Tier 1 risk-based capital ratio | 11.0926% | 5,816 |
| Total risk-based capital ratio | 12.3439% | 5,724 |
| Memoranda: | ||
| Average total assets | $466,891,000 | 1,533 |
| Average earning assets | $441,763,000 | 1,466 |
| Average equity | $42,278,000 | 1,609 |
| Average total loans | $336,582,500 | 1,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3468% | 3,710 |
| Cost of funding earning assets | 3.0103% | 1,838 |
| Net interest margin | 3.3365% | 5,913 |
| Noninterest income to average assets | 0.1439% | 7,382 |
| Noninterest expense to average assets | 1.7111% | 7,856 |
| Loan and lease loss provision to assets | 0.0869% | 6,298 |
| Net operating income to assets | 0.9471% | 2,803 |
| Return on assets (ROA) | 0.9473% | 2,659 |
| Pretax return on assets | 1.4722% | 1,758 |
| Return on Equity (ROE) | 10.5441% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.5441% | 385 |
| Net charge-offs to loans | 0.0075% | 6,843 |
| Credit loss provision to net charge-offs | 1,570.8333% | 279 |
| Earnings coverage of net charge-offs (x) | 281.6250% | 174 |
| Efficiency ratio | 52.3309% | 7,454 |
| Assets per employee ($millions) | 9.9503% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,336 |
| Loan loss allowance to noncurrent loans | 430.8989% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 6,660 |
| Noncurrent loans to loans | 0.3191% | 6,418 |
| Net loans and leases to total assets | 70.5920% | 3,885 |
| Net loans and leases to deposits | 88.5638% | 3,715 |
| Net loans and leases to core deposits | 114.8671% | 3,250 |
| Total domestic deposits to total assets | 79.7075% | 5,126 |
| Equity capital to assets | 8.9880% | 5,377 |
| Core capital (leverage) ratio | 9.0592% | 4,654 |
| Tier 1 risk-based capital ratio | 10.8843% | 5,828 |
| Total risk-based capital ratio | 12.0970% | 5,774 |
| Memoranda: | ||
| Average total assets | $433,632,200 | 1,571 |
| Average earning assets | $406,269,600 | 1,537 |
| Average equity | $38,960,000 | 1,731 |
| Average total loans | $319,811,000 | 1,519 |