Home > Florida Citizens Bank > Performance and Condition Ratios
Florida Citizens Bank, Performance and Condition Ratios
| 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 | 4.2069% | 2,553 |
| Cost of funding earning assets | 0.6497% | 1,094 |
| Net interest margin | 3.5572% | 3,312 |
| Noninterest income to average assets | 0.7499% | 2,027 |
| Noninterest expense to average assets | 3.4205% | 1,434 |
| Loan and lease loss provision to assets | 0.0857% | 2,447 |
| Net operating income to assets | 0.4984% | 4,795 |
| Return on assets (ROA) | 0.4973% | 4,888 |
| Pretax return on assets | 0.4973% | 5,225 |
| Return on Equity (ROE) | 5.7020% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.7020% | 2,438 |
| Net charge-offs to loans | 0.3339% | 784 |
| Credit loss provision to net charge-offs | 35.4610% | 3,215 |
| Earnings coverage of net charge-offs (x) | 2.4161% | 3,675 |
| Efficiency ratio | 85.4125% | 1,049 |
| Assets per employee ($millions) | 2.7650% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,523 |
| Loan loss allowance to noncurrent loans | 454.4283% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 2.4971% | 696 |
| Noncurrent loans to loans | 0.3693% | 4,290 |
| Net loans and leases to total assets | 69.5261% | 2,459 |
| Net loans and leases to deposits | 76.7836% | 3,222 |
| Net loans and leases to core deposits | 85.2990% | 2,916 |
| Total domestic deposits to total assets | 90.5481% | 376 |
| Equity capital to assets | 8.7673% | 5,517 |
| Core capital (leverage) ratio | 8.8528% | 5,178 |
| Tier 1 risk-based capital ratio | 11.6816% | 5,277 |
| Total risk-based capital ratio | 12.9350% | 5,197 |
| Memoranda: | ||
| Average total assets | $233,257,500 | 2,660 |
| Average earning assets | $213,420,500 | 2,665 |
| Average equity | $20,343,250 | 3,171 |
| Average total loans | $168,909,250 | 2,379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 2,438 |
| Cost of funding earning assets | 0.6647% | 1,024 |
| Net interest margin | 3.5633% | 3,234 |
| Noninterest income to average assets | 0.7327% | 2,072 |
| Noninterest expense to average assets | 3.3675% | 1,535 |
| Loan and lease loss provision to assets | 0.1295% | 1,716 |
| Net operating income to assets | 0.4928% | 4,804 |
| Return on assets (ROA) | 0.4911% | 4,912 |
| Pretax return on assets | 0.4911% | 5,251 |
| Return on Equity (ROE) | 5.6406% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.6406% | 2,440 |
| Net charge-offs to loans | 0.2790% | 947 |
| Credit loss provision to net charge-offs | 63.5593% | 2,556 |
| Earnings coverage of net charge-offs (x) | 3.0551% | 3,250 |
| Efficiency ratio | 84.4041% | 1,219 |
| Assets per employee ($millions) | 2.7378% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,436 |
| Loan loss allowance to noncurrent loans | 439.2701% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 2.5791% | 719 |
| Noncurrent loans to loans | 0.4027% | 4,273 |
| Net loans and leases to total assets | 71.8036% | 2,020 |
| Net loans and leases to deposits | 79.2470% | 2,876 |
| Net loans and leases to core deposits | 89.3395% | 2,410 |
| Total domestic deposits to total assets | 90.6074% | 413 |
| Equity capital to assets | 8.7339% | 5,500 |
| Core capital (leverage) ratio | 8.8693% | 5,133 |
| Tier 1 risk-based capital ratio | 11.4522% | 5,496 |
| Total risk-based capital ratio | 12.7071% | 5,413 |
| Memoranda: | ||
| Average total assets | $231,745,330 | 2,691 |
| Average earning assets | $211,828,670 | 2,695 |
| Average equity | $20,175,000 | 3,201 |
| Average total loans | $169,162,000 | 2,382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,430 |
| Cost of funding earning assets | 0.6589% | 1,059 |
| Net interest margin | 3.5481% | 3,231 |
| Noninterest income to average assets | 0.7818% | 1,775 |
| Noninterest expense to average assets | 3.2327% | 1,895 |
| Loan and lease loss provision to assets | 0.1730% | 1,137 |
| Net operating income to assets | 0.6175% | 4,208 |
| Return on assets (ROA) | 0.6140% | 4,311 |
| Pretax return on assets | 0.6140% | 4,879 |
| Return on Equity (ROE) | 7.0647% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.0647% | 1,985 |
| Net charge-offs to loans | 0.4007% | 606 |
| Credit loss provision to net charge-offs | 59.1716% | 2,015 |
| Earnings coverage of net charge-offs (x) | 2.7041% | 2,712 |
| Efficiency ratio | 80.3525% | 1,854 |
| Assets per employee ($millions) | 2.6876% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 1,522 |
| Loan loss allowance to noncurrent loans | 250.2895% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 2.8451% | 690 |
| Noncurrent loans to loans | 0.7141% | 3,482 |
| Net loans and leases to total assets | 71.9393% | 1,812 |
| Net loans and leases to deposits | 79.5850% | 2,608 |
| Net loans and leases to core deposits | 89.8227% | 2,149 |
| Total domestic deposits to total assets | 90.3931% | 569 |
| Equity capital to assets | 8.8260% | 5,475 |
| Core capital (leverage) ratio | 8.8972% | 5,075 |
| Tier 1 risk-based capital ratio | 11.3762% | 5,619 |
| Total risk-based capital ratio | 12.6313% | 5,531 |
| Memoranda: | ||
| Average total assets | $231,261,000 | 2,710 |
| Average earning assets | $211,266,000 | 2,715 |
| Average equity | $20,100,000 | 3,230 |
| Average total loans | $168,690,000 | 2,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,487 |
| Cost of funding earning assets | 0.7583% | 804 |
| Net interest margin | 3.5741% | 3,499 |
| Noninterest income to average assets | 0.4835% | 3,628 |
| Noninterest expense to average assets | 3.3842% | 1,730 |
| Loan and lease loss provision to assets | 0.0211% | 4,193 |
| Net operating income to assets | 0.3180% | 5,473 |
| Return on assets (ROA) | 0.3092% | 5,567 |
| Pretax return on assets | 0.3092% | 5,687 |
| Return on Equity (ROE) | 3.9233% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.9233% | 3,421 |
| Net charge-offs to loans | 0.1081% | 2,969 |
| Credit loss provision to net charge-offs | 27.7778% | 3,873 |
| Earnings coverage of net charge-offs (x) | 4.4722% | 3,644 |
| Efficiency ratio | 90.8937% | 791 |
| Assets per employee ($millions) | 2.7878% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,446 |
| Loan loss allowance to noncurrent loans | 208.9804% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 694 |
| Noncurrent loans to loans | 0.8811% | 3,117 |
| Net loans and leases to total assets | 71.3013% | 2,032 |
| Net loans and leases to deposits | 78.6074% | 2,893 |
| Net loans and leases to core deposits | 89.8898% | 2,296 |
| Total domestic deposits to total assets | 90.7056% | 462 |
| Equity capital to assets | 8.5571% | 5,692 |
| Core capital (leverage) ratio | 8.4483% | 5,611 |
| Tier 1 risk-based capital ratio | 11.6073% | 5,602 |
| Total risk-based capital ratio | 12.8639% | 5,514 |
| Memoranda: | ||
| Average total assets | $237,424,200 | 2,634 |
| Average earning assets | $215,213,400 | 2,660 |
| Average equity | $18,708,600 | 3,323 |
| Average total loans | $166,581,200 | 2,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,382 |
| Cost of funding earning assets | 0.7788% | 768 |
| Net interest margin | 3.5827% | 3,496 |
| Noninterest income to average assets | 0.5329% | 3,305 |
| Noninterest expense to average assets | 3.3671% | 1,746 |
| Loan and lease loss provision to assets | 0.0279% | 3,847 |
| Net operating income to assets | 0.3800% | 5,322 |
| Return on assets (ROA) | 0.3800% | 5,400 |
| Pretax return on assets | 0.3800% | 5,621 |
| Return on Equity (ROE) | 4.9251% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.9251% | 3,134 |
| Net charge-offs to loans | 0.0128% | 4,296 |
| Credit loss provision to net charge-offs | 312.5000% | 882 |
| Earnings coverage of net charge-offs (x) | 45.6934% | 1,033 |
| Efficiency ratio | 89.1944% | 907 |
| Assets per employee ($millions) | 2.8368% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 1,290 |
| Loan loss allowance to noncurrent loans | 499.0812% | 970 |
| Noncurrent assets plus other real estate owned to assets | 2.6774% | 945 |
| Noncurrent loans to loans | 0.3970% | 4,722 |
| Net loans and leases to total assets | 67.6621% | 2,591 |
| Net loans and leases to deposits | 74.2378% | 3,405 |
| Net loans and leases to core deposits | 85.8779% | 2,680 |
| Total domestic deposits to total assets | 91.1424% | 324 |
| Equity capital to assets | 8.0493% | 6,106 |
| Core capital (leverage) ratio | 8.4303% | 5,728 |
| Tier 1 risk-based capital ratio | 11.7875% | 5,617 |
| Total risk-based capital ratio | 13.0453% | 5,535 |
| Memoranda: | ||
| Average total assets | $238,933,500 | 2,640 |
| Average earning assets | $216,217,250 | 2,666 |
| Average equity | $18,435,750 | 3,374 |
| Average total loans | $166,207,250 | 2,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,305 |
| Cost of funding earning assets | 0.7970% | 720 |
| Net interest margin | 3.5713% | 3,479 |
| Noninterest income to average assets | 0.6013% | 2,811 |
| Noninterest expense to average assets | 3.3837% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4366% | 5,071 |
| Return on assets (ROA) | 0.4366% | 5,153 |
| Pretax return on assets | 0.4366% | 5,460 |
| Return on Equity (ROE) | 5.7403% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.7403% | 2,489 |
| Net charge-offs to loans | 0.0672% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.3214% | 2,371 |
| Efficiency ratio | 88.5727% | 1,036 |
| Assets per employee ($millions) | 2.8957% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 1,601 |
| Loan loss allowance to noncurrent loans | 475.8258% | 975 |
| Noncurrent assets plus other real estate owned to assets | 3.4900% | 673 |
| Noncurrent loans to loans | 0.3980% | 4,795 |
| Net loans and leases to total assets | 68.2998% | 2,373 |
| Net loans and leases to deposits | 74.9684% | 3,198 |
| Net loans and leases to core deposits | 84.8389% | 2,639 |
| Total domestic deposits to total assets | 91.1048% | 380 |
| Equity capital to assets | 7.9736% | 6,171 |
| Core capital (leverage) ratio | 8.2966% | 5,850 |
| Tier 1 risk-based capital ratio | 11.3921% | 5,859 |
| Total risk-based capital ratio | 12.6488% | 5,804 |
| Memoranda: | ||
| Average total assets | $239,147,000 | 2,644 |
| Average earning assets | $215,553,670 | 2,681 |
| Average equity | $18,187,330 | 3,405 |
| Average total loans | $166,778,670 | 2,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,467 |
| Cost of funding earning assets | 0.8306% | 638 |
| Net interest margin | 3.4845% | 3,765 |
| Noninterest income to average assets | 0.5181% | 3,276 |
| Noninterest expense to average assets | 3.3670% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2884% | 5,539 |
| Return on assets (ROA) | 0.2884% | 5,581 |
| Pretax return on assets | 0.2884% | 5,742 |
| Return on Equity (ROE) | 3.8872% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.8872% | 3,787 |
| Net charge-offs to loans | -0.1057% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1101% | 877 |
| Assets per employee ($millions) | 2.7883% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 1,582 |
| Loan loss allowance to noncurrent loans | 253.4109% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 3.8620% | 637 |
| Noncurrent loans to loans | 0.7759% | 3,919 |
| Net loans and leases to total assets | 67.9676% | 2,223 |
| Net loans and leases to deposits | 74.2403% | 3,034 |
| Net loans and leases to core deposits | 84.2491% | 2,486 |
| Total domestic deposits to total assets | 91.5508% | 366 |
| Equity capital to assets | 7.5438% | 6,304 |
| Core capital (leverage) ratio | 8.2110% | 5,933 |
| Tier 1 risk-based capital ratio | 11.0789% | 6,123 |
| Total risk-based capital ratio | 12.3363% | 6,070 |
| Memoranda: | ||
| Average total assets | $238,549,500 | 2,657 |
| Average earning assets | $214,780,500 | 2,700 |
| Average equity | $17,699,000 | 3,455 |
| Average total loans | $166,507,000 | 2,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,781 |
| Cost of funding earning assets | 1.1356% | 237 |
| Net interest margin | 2.9539% | 5,671 |
| Noninterest income to average assets | 0.6654% | 2,735 |
| Noninterest expense to average assets | 3.3272% | 2,060 |
| Loan and lease loss provision to assets | 0.0839% | 3,439 |
| Net operating income to assets | -0.0519% | 6,255 |
| Return on assets (ROA) | 0.0491% | 6,181 |
| Pretax return on assets | 0.0491% | 6,156 |
| Return on Equity (ROE) | 0.6705% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.6705% | 5,533 |
| Net charge-offs to loans | 0.3049% | 2,163 |
| Credit loss provision to net charge-offs | 41.4201% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.1578% | 5,028 |
| Efficiency ratio | 99.0489% | 507 |
| Assets per employee ($millions) | 2.7276% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,697 |
| Loan loss allowance to noncurrent loans | 165.4695% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 4.2385% | 611 |
| Noncurrent loans to loans | 1.1687% | 3,196 |
| Net loans and leases to total assets | 68.9146% | 2,187 |
| Net loans and leases to deposits | 75.1077% | 3,080 |
| Net loans and leases to core deposits | 86.0679% | 2,438 |
| Total domestic deposits to total assets | 91.7544% | 344 |
| Equity capital to assets | 7.2937% | 6,368 |
| Core capital (leverage) ratio | 7.7752% | 6,257 |
| Tier 1 risk-based capital ratio | 10.9572% | 6,191 |
| Total risk-based capital ratio | 12.2140% | 6,141 |
| Memoranda: | ||
| Average total assets | $250,387,400 | 2,526 |
| Average earning assets | $228,343,000 | 2,530 |
| Average equity | $18,343,600 | 3,361 |
| Average total loans | $166,267,600 | 2,347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,238 |
| Cost of funding earning assets | 1.1745% | 224 |
| Net interest margin | 2.7960% | 6,025 |
| Noninterest income to average assets | 0.7043% | 2,580 |
| Noninterest expense to average assets | 3.2999% | 2,083 |
| Loan and lease loss provision to assets | 0.0946% | 3,185 |
| Net operating income to assets | -0.1325% | 6,418 |
| Return on assets (ROA) | -0.0137% | 6,355 |
| Pretax return on assets | -0.0137% | 6,332 |
| Return on Equity (ROE) | -0.1864% | 6,359 |
| Retained earnings to average equity (ytd only) | -0.1864% | 5,974 |
| Net charge-offs to loans | 0.3467% | 1,814 |
| Credit loss provision to net charge-offs | 41.6667% | 3,675 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 4,906 |
| Efficiency ratio | 101.1602% | 425 |
| Assets per employee ($millions) | 2.9668% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 1,685 |
| Loan loss allowance to noncurrent loans | 89.6382% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 4.0071% | 776 |
| Noncurrent loans to loans | 2.2488% | 1,958 |
| Net loans and leases to total assets | 62.2982% | 3,309 |
| Net loans and leases to deposits | 67.6527% | 4,107 |
| Net loans and leases to core deposits | 79.4863% | 3,181 |
| Total domestic deposits to total assets | 92.0853% | 236 |
| Equity capital to assets | 6.8756% | 6,578 |
| Core capital (leverage) ratio | 7.5341% | 6,437 |
| Tier 1 risk-based capital ratio | 11.1121% | 6,230 |
| Total risk-based capital ratio | 12.3700% | 6,192 |
| Memoranda: | ||
| Average total assets | $253,659,000 | 2,513 |
| Average earning assets | $232,041,500 | 2,513 |
| Average equity | $18,602,500 | 3,361 |
| Average total loans | $166,144,500 | 2,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,480 |
| Cost of funding earning assets | 1.1959% | 219 |
| Net interest margin | 2.7032% | 6,175 |
| Noninterest income to average assets | 0.7284% | 2,511 |
| Noninterest expense to average assets | 3.2943% | 2,085 |
| Loan and lease loss provision to assets | 0.1185% | 2,844 |
| Net operating income to assets | -0.2078% | 6,492 |
| Return on assets (ROA) | -0.0292% | 6,390 |
| Pretax return on assets | -0.0292% | 6,379 |
| Return on Equity (ROE) | -0.3904% | 6,402 |
| Retained earnings to average equity (ytd only) | -0.3904% | 5,930 |
| Net charge-offs to loans | 0.3452% | 1,806 |
| Credit loss provision to net charge-offs | 51.9031% | 3,177 |
| Earnings coverage of net charge-offs (x) | -0.3910% | 4,648 |
| Efficiency ratio | 102.7853% | 407 |
| Assets per employee ($millions) | 2.7275% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 1,663 |
| Loan loss allowance to noncurrent loans | 90.7214% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 4.1996% | 807 |
| Noncurrent loans to loans | 2.2989% | 2,055 |
| Net loans and leases to total assets | 63.2947% | 3,049 |
| Net loans and leases to deposits | 68.7428% | 3,901 |
| Net loans and leases to core deposits | 82.1620% | 2,784 |
| Total domestic deposits to total assets | 92.0746% | 240 |
| Equity capital to assets | 6.8589% | 6,631 |
| Core capital (leverage) ratio | 7.6347% | 6,398 |
| Tier 1 risk-based capital ratio | 11.1581% | 6,262 |
| Total risk-based capital ratio | 12.4169% | 6,231 |
| Memoranda: | ||
| Average total assets | $253,163,000 | 2,526 |
| Average earning assets | $231,950,670 | 2,520 |
| Average equity | $18,955,670 | 3,335 |
| Average total loans | $167,452,000 | 2,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,686 |
| Cost of funding earning assets | 1.2007% | 231 |
| Net interest margin | 2.6375% | 6,318 |
| Noninterest income to average assets | 0.7283% | 2,433 |
| Noninterest expense to average assets | 3.1839% | 2,403 |
| Loan and lease loss provision to assets | 0.2360% | 1,543 |
| Net operating income to assets | -0.2658% | 6,555 |
| Return on assets (ROA) | 0.0157% | 6,395 |
| Pretax return on assets | 0.0157% | 6,383 |
| Return on Equity (ROE) | 0.2017% | 6,389 |
| Retained earnings to average equity (ytd only) | 0.2017% | 5,717 |
| Net charge-offs to loans | 0.4539% | 1,311 |
| Credit loss provision to net charge-offs | 77.7202% | 2,185 |
| Earnings coverage of net charge-offs (x) | -0.0984% | 3,852 |
| Efficiency ratio | 100.9476% | 508 |
| Assets per employee ($millions) | 2.7310% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 1,892 |
| Loan loss allowance to noncurrent loans | 45.3290% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.3799% | 858 |
| Noncurrent loans to loans | 4.5438% | 911 |
| Net loans and leases to total assets | 65.1360% | 2,524 |
| Net loans and leases to deposits | 71.3544% | 3,269 |
| Net loans and leases to core deposits | 86.0080% | 2,104 |
| Total domestic deposits to total assets | 91.2852% | 415 |
| Equity capital to assets | 7.6970% | 6,526 |
| Core capital (leverage) ratio | 7.6974% | 6,355 |
| Tier 1 risk-based capital ratio | 11.0526% | 6,380 |
| Total risk-based capital ratio | 12.3118% | 6,352 |
| Memoranda: | ||
| Average total assets | $254,280,500 | 2,541 |
| Average earning assets | $233,857,000 | 2,530 |
| Average equity | $19,828,000 | 3,259 |
| Average total loans | $170,074,500 | 2,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 4,991 |
| Cost of funding earning assets | 1.3605% | 292 |
| Net interest margin | 2.7268% | 6,483 |
| Noninterest income to average assets | 0.6846% | 2,803 |
| Noninterest expense to average assets | 3.2941% | 2,359 |
| Loan and lease loss provision to assets | 0.3279% | 2,073 |
| Net operating income to assets | -0.4313% | 6,535 |
| Return on assets (ROA) | -0.1825% | 6,433 |
| Pretax return on assets | -0.1825% | 6,413 |
| Return on Equity (ROE) | -2.3536% | 6,473 |
| Retained earnings to average equity (ytd only) | -2.3536% | 6,207 |
| Net charge-offs to loans | 0.7576% | 1,546 |
| Credit loss provision to net charge-offs | 63.3140% | 4,363 |
| Earnings coverage of net charge-offs (x) | -0.1997% | 5,573 |
| Efficiency ratio | 103.2413% | 455 |
| Assets per employee ($millions) | 2.6519% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 1,869 |
| Loan loss allowance to noncurrent loans | 40.1048% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.8205% | 822 |
| Noncurrent loans to loans | 5.1286% | 763 |
| Net loans and leases to total assets | 65.8791% | 2,544 |
| Net loans and leases to deposits | 72.3686% | 3,353 |
| Net loans and leases to core deposits | 87.3375% | 2,159 |
| Total domestic deposits to total assets | 91.0327% | 479 |
| Equity capital to assets | 7.8981% | 6,461 |
| Core capital (leverage) ratio | 7.4869% | 6,510 |
| Tier 1 risk-based capital ratio | 10.8397% | 6,410 |
| Total risk-based capital ratio | 12.0988% | 6,379 |
| Memoranda: | ||
| Average total assets | $266,871,800 | 2,372 |
| Average earning assets | $245,272,400 | 2,367 |
| Average equity | $20,691,400 | 3,116 |
| Average total loans | $182,422,400 | 2,172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 5,084 |
| Cost of funding earning assets | 1.3798% | 318 |
| Net interest margin | 2.7495% | 6,579 |
| Noninterest income to average assets | 0.6772% | 2,828 |
| Noninterest expense to average assets | 3.2791% | 2,327 |
| Loan and lease loss provision to assets | 0.1827% | 3,308 |
| Net operating income to assets | -0.2573% | 6,538 |
| Return on assets (ROA) | -0.0242% | 6,433 |
| Pretax return on assets | -0.0242% | 6,420 |
| Return on Equity (ROE) | -0.3135% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.3135% | 6,142 |
| Net charge-offs to loans | 0.4902% | 2,145 |
| Credit loss provision to net charge-offs | 54.3319% | 4,298 |
| Earnings coverage of net charge-offs (x) | -0.2217% | 5,416 |
| Efficiency ratio | 102.3274% | 466 |
| Assets per employee ($millions) | 2.6869% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 1,897 |
| Loan loss allowance to noncurrent loans | 39.6502% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 5.5636% | 764 |
| Noncurrent loans to loans | 5.3041% | 824 |
| Net loans and leases to total assets | 65.7269% | 2,707 |
| Net loans and leases to deposits | 72.4907% | 3,537 |
| Net loans and leases to core deposits | 87.1459% | 2,323 |
| Total domestic deposits to total assets | 90.6694% | 533 |
| Equity capital to assets | 8.1472% | 6,520 |
| Core capital (leverage) ratio | 7.4949% | 6,626 |
| Tier 1 risk-based capital ratio | 10.5114% | 6,663 |
| Total risk-based capital ratio | 11.7701% | 6,643 |
| Memoranda: | ||
| Average total assets | $269,944,750 | 2,366 |
| Average earning assets | $248,139,250 | 2,367 |
| Average equity | $20,837,500 | 3,131 |
| Average total loans | $185,218,750 | 2,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 4,813 |
| Cost of funding earning assets | 1.3992% | 346 |
| Net interest margin | 2.8399% | 6,516 |
| Noninterest income to average assets | 0.6504% | 2,953 |
| Noninterest expense to average assets | 3.2673% | 2,395 |
| Loan and lease loss provision to assets | 0.1543% | 3,591 |
| Net operating income to assets | -0.1595% | 6,501 |
| Return on assets (ROA) | -0.0705% | 6,516 |
| Pretax return on assets | -0.0705% | 6,496 |
| Return on Equity (ROE) | -0.9306% | 6,537 |
| Retained earnings to average equity (ytd only) | -0.9306% | 6,199 |
| Net charge-offs to loans | 0.4308% | 2,316 |
| Credit loss provision to net charge-offs | 51.8519% | 3,996 |
| Earnings coverage of net charge-offs (x) | -0.0173% | 5,094 |
| Efficiency ratio | 100.1577% | 552 |
| Assets per employee ($millions) | 2.6146% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 1,999 |
| Loan loss allowance to noncurrent loans | 41.7329% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 5.2633% | 879 |
| Noncurrent loans to loans | 5.0323% | 971 |
| Net loans and leases to total assets | 66.3663% | 2,601 |
| Net loans and leases to deposits | 72.9156% | 3,465 |
| Net loans and leases to core deposits | 88.4252% | 2,163 |
| Total domestic deposits to total assets | 91.0179% | 441 |
| Equity capital to assets | 7.8117% | 6,669 |
| Core capital (leverage) ratio | 7.2790% | 6,730 |
| Tier 1 risk-based capital ratio | 10.2392% | 6,768 |
| Total risk-based capital ratio | 11.4982% | 6,748 |
| Memoranda: | ||
| Average total assets | $272,154,000 | 2,355 |
| Average earning assets | $250,292,670 | 2,352 |
| Average equity | $20,632,330 | 3,148 |
| Average total loans | $188,029,000 | 2,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 4,711 |
| Cost of funding earning assets | 1.4289% | 382 |
| Net interest margin | 2.8769% | 6,517 |
| Noninterest income to average assets | 0.6579% | 2,882 |
| Noninterest expense to average assets | 3.2049% | 2,578 |
| Loan and lease loss provision to assets | 0.2632% | 2,356 |
| Net operating income to assets | -0.1667% | 6,600 |
| Return on assets (ROA) | -0.1652% | 6,659 |
| Pretax return on assets | -0.1652% | 6,642 |
| Return on Equity (ROE) | -2.2124% | 6,705 |
| Retained earnings to average equity (ytd only) | -2.2124% | 6,310 |
| Net charge-offs to loans | 0.5536% | 1,701 |
| Credit loss provision to net charge-offs | 68.1818% | 2,951 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 4,241 |
| Efficiency ratio | 97.0771% | 674 |
| Assets per employee ($millions) | 2.8290% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1108% | 2,077 |
| Loan loss allowance to noncurrent loans | 54.7536% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 4.5352% | 1,174 |
| Noncurrent loans to loans | 3.8551% | 1,603 |
| Net loans and leases to total assets | 67.3627% | 2,220 |
| Net loans and leases to deposits | 73.7228% | 3,155 |
| Net loans and leases to core deposits | 89.0228% | 1,950 |
| Total domestic deposits to total assets | 91.3730% | 415 |
| Equity capital to assets | 7.4849% | 6,785 |
| Core capital (leverage) ratio | 7.2916% | 6,728 |
| Tier 1 risk-based capital ratio | 10.0277% | 6,870 |
| Total risk-based capital ratio | 11.2872% | 6,865 |
| Memoranda: | ||
| Average total assets | $273,580,500 | 2,357 |
| Average earning assets | $251,383,500 | 2,354 |
| Average equity | $20,430,000 | 3,172 |
| Average total loans | $190,764,000 | 2,120 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 5,127 |
| Cost of funding earning assets | 1.5509% | 581 |
| Net interest margin | 2.9372% | 6,632 |
| Noninterest income to average assets | 0.6839% | 2,696 |
| Noninterest expense to average assets | 3.2036% | 2,851 |
| Loan and lease loss provision to assets | 0.4268% | 2,458 |
| Net operating income to assets | -0.2278% | 6,283 |
| Return on assets (ROA) | -0.1728% | 6,301 |
| Pretax return on assets | -0.1728% | 6,265 |
| Return on Equity (ROE) | -2.3551% | 6,362 |
| Retained earnings to average equity (ytd only) | -2.3551% | 6,198 |
| Net charge-offs to loans | 0.7580% | 2,261 |
| Credit loss provision to net charge-offs | 77.3657% | 4,581 |
| Earnings coverage of net charge-offs (x) | 0.3606% | 5,549 |
| Efficiency ratio | 94.1536% | 912 |
| Assets per employee ($millions) | 2.7557% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 2,084 |
| Loan loss allowance to noncurrent loans | 52.1959% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 4.5269% | 1,211 |
| Noncurrent loans to loans | 3.9659% | 1,576 |
| Net loans and leases to total assets | 69.1668% | 2,189 |
| Net loans and leases to deposits | 77.3578% | 2,948 |
| Net loans and leases to core deposits | 92.9549% | 1,801 |
| Total domestic deposits to total assets | 89.4115% | 1,308 |
| Equity capital to assets | 7.4507% | 6,832 |
| Core capital (leverage) ratio | 7.0832% | 6,837 |
| Tier 1 risk-based capital ratio | 9.8379% | 6,889 |
| Total risk-based capital ratio | 11.0972% | 6,884 |
| Memoranda: | ||
| Average total assets | $283,521,200 | 2,240 |
| Average earning assets | $262,431,000 | 2,222 |
| Average equity | $20,805,600 | 3,035 |
| Average total loans | $206,322,400 | 1,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 5,090 |
| Cost of funding earning assets | 1.5766% | 646 |
| Net interest margin | 2.9720% | 6,633 |
| Noninterest income to average assets | 0.6949% | 2,636 |
| Noninterest expense to average assets | 3.1910% | 2,853 |
| Loan and lease loss provision to assets | 0.2989% | 3,138 |
| Net operating income to assets | -0.0388% | 6,203 |
| Return on assets (ROA) | 0.0336% | 6,199 |
| Pretax return on assets | 0.0336% | 6,184 |
| Return on Equity (ROE) | 0.4599% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.4599% | 5,811 |
| Net charge-offs to loans | 0.6334% | 2,348 |
| Credit loss provision to net charge-offs | 64.3863% | 4,656 |
| Earnings coverage of net charge-offs (x) | 0.5604% | 5,210 |
| Efficiency ratio | 92.4628% | 1,001 |
| Assets per employee ($millions) | 2.8177% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 2,272 |
| Loan loss allowance to noncurrent loans | 91.9024% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 2.9073% | 2,221 |
| Noncurrent loans to loans | 2.2014% | 3,107 |
| Net loans and leases to total assets | 69.2478% | 2,231 |
| Net loans and leases to deposits | 77.5595% | 3,076 |
| Net loans and leases to core deposits | 92.9493% | 1,891 |
| Total domestic deposits to total assets | 89.2835% | 1,266 |
| Equity capital to assets | 7.5678% | 6,911 |
| Core capital (leverage) ratio | 7.2029% | 6,899 |
| Tier 1 risk-based capital ratio | 9.7787% | 7,011 |
| Total risk-based capital ratio | 11.0372% | 7,002 |
| Memoranda: | ||
| Average total assets | $285,508,250 | 2,234 |
| Average earning assets | $264,777,750 | 2,213 |
| Average equity | $20,874,000 | 3,026 |
| Average total loans | $209,244,500 | 1,983 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 5,122 |
| Cost of funding earning assets | 1.6196% | 649 |
| Net interest margin | 2.9440% | 6,707 |
| Noninterest income to average assets | 0.6863% | 2,621 |
| Noninterest expense to average assets | 3.2230% | 2,824 |
| Loan and lease loss provision to assets | 0.2790% | 3,147 |
| Net operating income to assets | -0.0823% | 6,327 |
| Return on assets (ROA) | -0.0816% | 6,383 |
| Pretax return on assets | -0.0816% | 6,343 |
| Return on Equity (ROE) | -1.1291% | 6,417 |
| Retained earnings to average equity (ytd only) | -1.1291% | 6,074 |
| Net charge-offs to loans | 0.5616% | 2,422 |
| Credit loss provision to net charge-offs | 67.0017% | 4,140 |
| Earnings coverage of net charge-offs (x) | 0.4724% | 4,954 |
| Efficiency ratio | 94.2484% | 961 |
| Assets per employee ($millions) | 2.9003% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 2,299 |
| Loan loss allowance to noncurrent loans | 59.4771% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 3.1209% | 2,150 |
| Noncurrent loans to loans | 3.4042% | 2,086 |
| Net loans and leases to total assets | 70.5471% | 2,107 |
| Net loans and leases to deposits | 78.8029% | 2,992 |
| Net loans and leases to core deposits | 93.9918% | 1,895 |
| Total domestic deposits to total assets | 89.5234% | 1,228 |
| Equity capital to assets | 7.3382% | 7,021 |
| Core capital (leverage) ratio | 7.0745% | 6,967 |
| Tier 1 risk-based capital ratio | 9.4548% | 7,112 |
| Total risk-based capital ratio | 10.7134% | 7,112 |
| Memoranda: | ||
| Average total assets | $286,753,670 | 2,231 |
| Average earning assets | $266,239,330 | 2,209 |
| Average equity | $20,724,000 | 3,033 |
| Average total loans | $212,609,330 | 1,973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 4,745 |
| Cost of funding earning assets | 1.6549% | 666 |
| Net interest margin | 2.9952% | 6,584 |
| Noninterest income to average assets | 0.6170% | 3,056 |
| Noninterest expense to average assets | 3.1560% | 3,046 |
| Loan and lease loss provision to assets | 0.3629% | 2,386 |
| Net operating income to assets | -0.1256% | 6,483 |
| Return on assets (ROA) | -0.1256% | 6,501 |
| Pretax return on assets | -0.1256% | 6,470 |
| Return on Equity (ROE) | -1.7517% | 6,561 |
| Retained earnings to average equity (ytd only) | -1.7517% | 6,109 |
| Net charge-offs to loans | 0.7460% | 1,726 |
| Credit loss provision to net charge-offs | 64.6766% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.4229% | 4,307 |
| Efficiency ratio | 93.0070% | 1,100 |
| Assets per employee ($millions) | 2.7950% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 2,430 |
| Loan loss allowance to noncurrent loans | 92.2558% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 2.5392% | 2,691 |
| Noncurrent loans to loans | 2.1640% | 3,369 |
| Net loans and leases to total assets | 72.3195% | 1,654 |
| Net loans and leases to deposits | 80.5951% | 2,597 |
| Net loans and leases to core deposits | 97.8158% | 1,541 |
| Total domestic deposits to total assets | 89.7319% | 1,337 |
| Equity capital to assets | 7.1405% | 7,042 |
| Core capital (leverage) ratio | 7.0434% | 6,989 |
| Tier 1 risk-based capital ratio | 9.2482% | 7,192 |
| Total risk-based capital ratio | 10.5066% | 7,193 |
| Memoranda: | ||
| Average total assets | $286,567,500 | 2,254 |
| Average earning assets | $265,628,000 | 2,230 |
| Average equity | $20,551,000 | 3,048 |
| Average total loans | $215,541,500 | 1,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 4,786 |
| Cost of funding earning assets | 2.0822% | 452 |
| Net interest margin | 2.8679% | 6,940 |
| Noninterest income to average assets | 0.8408% | 2,096 |
| Noninterest expense to average assets | 3.0289% | 3,739 |
| Loan and lease loss provision to assets | 2.8396% | 356 |
| Net operating income to assets | -2.3461% | 7,149 |
| Return on assets (ROA) | -2.3332% | 7,156 |
| Pretax return on assets | -2.3332% | 7,123 |
| Return on Equity (ROE) | -31.9102% | 7,256 |
| Retained earnings to average equity (ytd only) | -31.9102% | 7,245 |
| Net charge-offs to loans | 3.0042% | 551 |
| Credit loss provision to net charge-offs | 123.4990% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.2146% | 5,890 |
| Efficiency ratio | 85.9894% | 1,701 |
| Assets per employee ($millions) | 2.7167% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,290 |
| Loan loss allowance to noncurrent loans | 67.9746% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 3.2746% | 2,159 |
| Noncurrent loans to loans | 2.9490% | 2,589 |
| Net loans and leases to total assets | 75.1138% | 1,454 |
| Net loans and leases to deposits | 83.0346% | 2,622 |
| Net loans and leases to core deposits | 105.8956% | 1,199 |
| Total domestic deposits to total assets | 90.4608% | 857 |
| Equity capital to assets | 7.2027% | 7,037 |
| Core capital (leverage) ratio | 7.0121% | 7,024 |
| Tier 1 risk-based capital ratio | 9.0440% | 7,236 |
| Total risk-based capital ratio | 10.3027% | 7,241 |
| Memoranda: | ||
| Average total assets | $294,830,600 | 2,180 |
| Average earning assets | $275,669,800 | 2,147 |
| Average equity | $21,557,400 | 2,939 |
| Average total loans | $225,648,200 | 1,934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 5,028 |
| Cost of funding earning assets | 2.1356% | 473 |
| Net interest margin | 2.8161% | 7,113 |
| Noninterest income to average assets | 0.8389% | 2,034 |
| Noninterest expense to average assets | 2.8754% | 4,182 |
| Loan and lease loss provision to assets | 2.9382% | 306 |
| Net operating income to assets | -2.3367% | 7,308 |
| Return on assets (ROA) | -2.3196% | 7,323 |
| Pretax return on assets | -2.3196% | 7,275 |
| Return on Equity (ROE) | -31.6112% | 7,408 |
| Retained earnings to average equity (ytd only) | -31.6112% | 7,402 |
| Net charge-offs to loans | 3.3755% | 419 |
| Credit loss provision to net charge-offs | 113.7745% | 3,681 |
| Earnings coverage of net charge-offs (x) | 0.2329% | 5,778 |
| Efficiency ratio | 82.6990% | 1,984 |
| Assets per employee ($millions) | 2.7083% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 3,618 |
| Loan loss allowance to noncurrent loans | 37.6247% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.5385% | 2,009 |
| Noncurrent loans to loans | 4.1963% | 1,745 |
| Net loans and leases to total assets | 77.0773% | 1,208 |
| Net loans and leases to deposits | 83.7337% | 2,749 |
| Net loans and leases to core deposits | 108.1323% | 1,154 |
| Total domestic deposits to total assets | 92.0506% | 183 |
| Equity capital to assets | 6.5335% | 7,422 |
| Core capital (leverage) ratio | 6.0405% | 7,427 |
| Tier 1 risk-based capital ratio | 7.7609% | 7,498 |
| Total risk-based capital ratio | 9.0147% | 7,500 |
| Memoranda: | ||
| Average total assets | $297,224,750 | 2,206 |
| Average earning assets | $278,442,250 | 2,159 |
| Average equity | $21,810,250 | 2,942 |
| Average total loans | $227,398,250 | 1,941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 5,265 |
| Cost of funding earning assets | 2.1691% | 512 |
| Net interest margin | 2.7614% | 7,193 |
| Noninterest income to average assets | 0.8335% | 1,954 |
| Noninterest expense to average assets | 2.8268% | 4,372 |
| Loan and lease loss provision to assets | 1.8351% | 677 |
| Net operating income to assets | -1.2399% | 7,051 |
| Return on assets (ROA) | -1.2145% | 7,051 |
| Pretax return on assets | -1.2145% | 6,975 |
| Return on Equity (ROE) | -15.9864% | 7,172 |
| Retained earnings to average equity (ytd only) | -15.9864% | 7,135 |
| Net charge-offs to loans | 2.0110% | 905 |
| Credit loss provision to net charge-offs | 120.1923% | 3,377 |
| Earnings coverage of net charge-offs (x) | 0.3899% | 5,348 |
| Efficiency ratio | 82.6053% | 2,092 |
| Assets per employee ($millions) | 2.8061% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 4,382 |
| Loan loss allowance to noncurrent loans | 68.6800% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 3,699 |
| Noncurrent loans to loans | 2.0510% | 3,652 |
| Net loans and leases to total assets | 75.8053% | 1,525 |
| Net loans and leases to deposits | 83.2084% | 3,032 |
| Net loans and leases to core deposits | 106.3196% | 1,411 |
| Total domestic deposits to total assets | 91.1029% | 444 |
| Equity capital to assets | 7.4590% | 7,137 |
| Core capital (leverage) ratio | 6.9661% | 7,213 |
| Tier 1 risk-based capital ratio | 8.9198% | 7,428 |
| Total risk-based capital ratio | 10.1713% | 7,443 |
| Memoranda: | ||
| Average total assets | $299,705,330 | 2,201 |
| Average earning assets | $280,941,330 | 2,153 |
| Average equity | $22,769,330 | 2,825 |
| Average total loans | $227,551,000 | 1,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 5,447 |
| Cost of funding earning assets | 2.1848% | 619 |
| Net interest margin | 2.7192% | 7,275 |
| Noninterest income to average assets | 0.8242% | 1,915 |
| Noninterest expense to average assets | 2.7385% | 4,724 |
| Loan and lease loss provision to assets | 0.4008% | 2,968 |
| Net operating income to assets | 0.2338% | 5,562 |
| Return on assets (ROA) | 0.2338% | 5,677 |
| Pretax return on assets | 0.2338% | 5,787 |
| Return on Equity (ROE) | 3.0493% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.0493% | 4,310 |
| Net charge-offs to loans | 0.2355% | 3,525 |
| Credit loss provision to net charge-offs | 225.5639% | 1,678 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,863 |
| Efficiency ratio | 81.1881% | 2,389 |
| Assets per employee ($millions) | 2.9162% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 5,076 |
| Loan loss allowance to noncurrent loans | 107.6839% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 4,760 |
| Noncurrent loans to loans | 1.1819% | 5,001 |
| Net loans and leases to total assets | 74.2055% | 1,928 |
| Net loans and leases to deposits | 81.4892% | 3,368 |
| Net loans and leases to core deposits | 103.1742% | 1,809 |
| Total domestic deposits to total assets | 91.0617% | 516 |
| Equity capital to assets | 7.5773% | 7,010 |
| Core capital (leverage) ratio | 7.4602% | 6,890 |
| Tier 1 risk-based capital ratio | 9.4948% | 7,309 |
| Total risk-based capital ratio | 10.7349% | 7,306 |
| Memoranda: | ||
| Average total assets | $299,430,000 | 2,253 |
| Average earning assets | $280,668,000 | 2,204 |
| Average equity | $22,956,000 | 2,826 |
| Average total loans | $225,895,500 | 2,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2460% | 5,433 |
| Cost of funding earning assets | 2.3458% | 1,472 |
| Net interest margin | 2.9002% | 6,872 |
| Noninterest income to average assets | 0.8864% | 2,000 |
| Noninterest expense to average assets | 2.8911% | 4,562 |
| Loan and lease loss provision to assets | 0.6688% | 3,140 |
| Net operating income to assets | 0.0380% | 5,369 |
| Return on assets (ROA) | 0.1420% | 5,145 |
| Pretax return on assets | 0.1420% | 5,132 |
| Return on Equity (ROE) | 1.7767% | 4,989 |
| Retained earnings to average equity (ytd only) | -4.1604% | 5,894 |
| Net charge-offs to loans | 0.6416% | 3,273 |
| Credit loss provision to net charge-offs | 141.1721% | 3,438 |
| Earnings coverage of net charge-offs (x) | 1.4918% | 4,636 |
| Efficiency ratio | 80.3556% | 2,830 |
| Assets per employee ($millions) | 2.8130% | 6,636 |
| Cash dividends to net income (ytd only)* | 334.1584% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 4,932 |
| Loan loss allowance to noncurrent loans | 113.6919% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 5,155 |
| Noncurrent loans to loans | 1.1183% | 5,095 |
| Net loans and leases to total assets | 74.7774% | 2,079 |
| Net loans and leases to deposits | 82.4094% | 3,561 |
| Net loans and leases to core deposits | 116.1716% | 2,296 |
| Total domestic deposits to total assets | 90.7389% | 645 |
| Equity capital to assets | 7.7618% | 6,805 |
| Core capital (leverage) ratio | 7.6164% | 6,663 |
| Tier 1 risk-based capital ratio | 9.0210% | 7,459 |
| Total risk-based capital ratio | 10.1725% | 7,525 |
| Memoranda: | ||
| Average total assets | $284,530,000 | 2,314 |
| Average earning assets | $266,012,600 | 2,275 |
| Average equity | $22,738,400 | 2,858 |
| Average total loans | $210,110,400 | 2,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 5,764 |
| Cost of funding earning assets | 2.3706% | 1,742 |
| Net interest margin | 2.8582% | 6,943 |
| Noninterest income to average assets | 0.8780% | 2,070 |
| Noninterest expense to average assets | 2.8603% | 4,616 |
| Loan and lease loss provision to assets | 0.4863% | 3,471 |
| Net operating income to assets | 0.2029% | 5,144 |
| Return on assets (ROA) | 0.3258% | 4,803 |
| Pretax return on assets | 0.3258% | 4,992 |
| Return on Equity (ROE) | 4.0465% | 4,357 |
| Retained earnings to average equity (ytd only) | -3.8477% | 6,087 |
| Net charge-offs to loans | 0.2291% | 4,625 |
| Credit loss provision to net charge-offs | 289.3557% | 1,438 |
| Earnings coverage of net charge-offs (x) | 4.1008% | 3,262 |
| Efficiency ratio | 80.5836% | 2,761 |
| Assets per employee ($millions) | 2.6963% | 6,858 |
| Cash dividends to net income (ytd only)* | 195.0880% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,224 |
| Loan loss allowance to noncurrent loans | 104.3743% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 4,830 |
| Noncurrent loans to loans | 1.2905% | 4,783 |
| Net loans and leases to total assets | 74.6003% | 2,341 |
| Net loans and leases to deposits | 82.3947% | 3,940 |
| Net loans and leases to core deposits | 116.4590% | 2,574 |
| Total domestic deposits to total assets | 90.5401% | 572 |
| Equity capital to assets | 7.9554% | 6,890 |
| Core capital (leverage) ratio | 7.6965% | 6,739 |
| Tier 1 risk-based capital ratio | 9.3507% | 7,466 |
| Total risk-based capital ratio | 10.5804% | 7,461 |
| Memoranda: | ||
| Average total assets | $283,227,500 | 2,338 |
| Average earning assets | $264,733,250 | 2,300 |
| Average equity | $22,800,750 | 2,875 |
| Average total loans | $207,775,500 | 2,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 6,016 |
| Cost of funding earning assets | 2.3924% | 1,993 |
| Net interest margin | 2.8249% | 6,966 |
| Noninterest income to average assets | 0.8585% | 2,149 |
| Noninterest expense to average assets | 2.8183% | 4,877 |
| Loan and lease loss provision to assets | 0.3704% | 3,701 |
| Net operating income to assets | 0.3067% | 4,865 |
| Return on assets (ROA) | 0.3733% | 4,707 |
| Pretax return on assets | 0.3733% | 5,008 |
| Return on Equity (ROE) | 4.6184% | 4,246 |
| Retained earnings to average equity (ytd only) | -7.2123% | 6,587 |
| Net charge-offs to loans | 0.2917% | 3,734 |
| Credit loss provision to net charge-offs | 174.9164% | 2,627 |
| Earnings coverage of net charge-offs (x) | 3.1973% | 3,529 |
| Efficiency ratio | 80.6282% | 2,948 |
| Assets per employee ($millions) | 2.8071% | 6,607 |
| Cash dividends to net income (ytd only)* | 256.1670% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,140 |
| Loan loss allowance to noncurrent loans | 67.3330% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4208% | 4,120 |
| Noncurrent loans to loans | 1.7389% | 3,900 |
| Net loans and leases to total assets | 71.7858% | 3,281 |
| Net loans and leases to deposits | 79.1421% | 4,678 |
| Net loans and leases to core deposits | 111.8411% | 3,149 |
| Total domestic deposits to total assets | 90.7050% | 556 |
| Equity capital to assets | 7.7061% | 7,069 |
| Core capital (leverage) ratio | 7.6935% | 6,768 |
| Tier 1 risk-based capital ratio | 9.4613% | 7,425 |
| Total risk-based capital ratio | 10.5206% | 7,548 |
| Memoranda: | ||
| Average total assets | $282,368,000 | 2,359 |
| Average earning assets | $263,582,330 | 2,317 |
| Average equity | $22,822,000 | 2,874 |
| Average total loans | $204,993,000 | 2,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 6,033 |
| Cost of funding earning assets | 2.4083% | 2,258 |
| Net interest margin | 2.8600% | 6,851 |
| Noninterest income to average assets | 0.8488% | 2,085 |
| Noninterest expense to average assets | 2.7442% | 4,811 |
| Loan and lease loss provision to assets | 0.1348% | 5,232 |
| Net operating income to assets | 0.6294% | 3,888 |
| Return on assets (ROA) | 0.6409% | 4,018 |
| Pretax return on assets | 0.6409% | 4,616 |
| Return on Equity (ROE) | 7.7428% | 3,267 |
| Retained earnings to average equity (ytd only) | -15.6414% | 7,469 |
| Net charge-offs to loans | -0.0059% | 7,197 |
| Credit loss provision to net charge-offs | -3,133.3333% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2182% | 3,132 |
| Assets per employee ($millions) | 2.7581% | 6,748 |
| Cash dividends to net income (ytd only)* | 302.0134% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,194 |
| Loan loss allowance to noncurrent loans | 98.7717% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 5,043 |
| Noncurrent loans to loans | 1.1531% | 4,682 |
| Net loans and leases to total assets | 71.2509% | 3,416 |
| Net loans and leases to deposits | 78.9011% | 4,785 |
| Net loans and leases to core deposits | 111.0626% | 3,300 |
| Total domestic deposits to total assets | 90.3041% | 678 |
| Equity capital to assets | 8.0102% | 6,792 |
| Core capital (leverage) ratio | 7.8904% | 6,634 |
| Tier 1 risk-based capital ratio | 9.7362% | 7,212 |
| Total risk-based capital ratio | 10.7742% | 7,351 |
| Memoranda: | ||
| Average total assets | $278,984,500 | 2,390 |
| Average earning assets | $259,440,000 | 2,370 |
| Average equity | $23,092,500 | 2,869 |
| Average total loans | $202,481,000 | 2,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2099% | 4,467 |
| Cost of funding earning assets | 2.7306% | 3,018 |
| Net interest margin | 3.4793% | 5,363 |
| Noninterest income to average assets | 1.0236% | 1,512 |
| Noninterest expense to average assets | 2.9424% | 4,288 |
| Loan and lease loss provision to assets | 0.1151% | 5,901 |
| Net operating income to assets | 1.1611% | 1,904 |
| Return on assets (ROA) | 1.2383% | 1,603 |
| Pretax return on assets | 1.2383% | 2,517 |
| Return on Equity (ROE) | 15.1177% | 905 |
| Retained earnings to average equity (ytd only) | 5.1420% | 1,939 |
| Net charge-offs to loans | 0.0980% | 5,344 |
| Credit loss provision to net charge-offs | 172.2222% | 2,970 |
| Earnings coverage of net charge-offs (x) | 19.0889% | 1,659 |
| Efficiency ratio | 69.7482% | 4,395 |
| Assets per employee ($millions) | 2.7117% | 6,757 |
| Cash dividends to net income (ytd only)* | 65.9868% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,155 |
| Loan loss allowance to noncurrent loans | 102.9006% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 4,588 |
| Noncurrent loans to loans | 1.0848% | 4,395 |
| Net loans and leases to total assets | 72.2868% | 3,519 |
| Net loans and leases to deposits | 81.2165% | 4,839 |
| Net loans and leases to core deposits | 114.7086% | 3,263 |
| Total domestic deposits to total assets | 89.0050% | 1,040 |
| Equity capital to assets | 8.5545% | 6,005 |
| Core capital (leverage) ratio | 8.5975% | 5,382 |
| Tier 1 risk-based capital ratio | 10.3477% | 6,367 |
| Total risk-based capital ratio | 11.3636% | 6,475 |
| Memoranda: | ||
| Average total assets | $269,235,600 | 2,390 |
| Average earning assets | $247,232,400 | 2,391 |
| Average equity | $22,053,600 | 2,967 |
| Average total loans | $183,606,000 | 2,464 |