Home > Florida Traditions Bank > Performance and Condition Ratios
Florida Traditions Bank, Performance and Condition Ratios
| 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 | 5.0528% | 679 |
| Cost of funding earning assets | 0.7304% | 1,022 |
| Net interest margin | 4.3224% | 982 |
| Noninterest income to average assets | 1.2813% | 720 |
| Noninterest expense to average assets | 3.1749% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2478% | 1,450 |
| Return on assets (ROA) | 1.2478% | 1,513 |
| Pretax return on assets | 1.9750% | 588 |
| Return on Equity (ROE) | 12.9588% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.9588% | 340 |
| Net charge-offs to loans | 0.2468% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.7792% | 2,323 |
| Efficiency ratio | 61.6501% | 5,058 |
| Assets per employee ($millions) | 4.3275% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 1,913 |
| Loan loss allowance to noncurrent loans | 311.9064% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 4,490 |
| Noncurrent loans to loans | 0.5685% | 4,314 |
| Net loans and leases to total assets | 81.7143% | 491 |
| Net loans and leases to deposits | 92.0931% | 1,139 |
| Net loans and leases to core deposits | 99.3141% | 1,335 |
| Total domestic deposits to total assets | 88.7301% | 1,514 |
| Equity capital to assets | 9.8795% | 4,267 |
| Core capital (leverage) ratio | 9.4170% | 4,448 |
| Tier 1 risk-based capital ratio | 9.7741% | 6,458 |
| Total risk-based capital ratio | 11.0277% | 6,432 |
| Memoranda: | ||
| Average total assets | $305,013,330 | 2,140 |
| Average earning assets | $272,999,330 | 2,189 |
| Average equity | $29,370,000 | 2,306 |
| Average total loans | $249,620,330 | 1,698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 693 |
| Cost of funding earning assets | 0.7434% | 997 |
| Net interest margin | 4.2765% | 1,050 |
| Noninterest income to average assets | 1.5295% | 505 |
| Noninterest expense to average assets | 3.3696% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2610% | 1,319 |
| Return on assets (ROA) | 1.2610% | 1,373 |
| Pretax return on assets | 1.9915% | 543 |
| Return on Equity (ROE) | 13.2698% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.2698% | 455 |
| Net charge-offs to loans | 0.0081% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 302.6000% | 159 |
| Efficiency ratio | 62.8529% | 5,016 |
| Assets per employee ($millions) | 3.8519% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 1,638 |
| Loan loss allowance to noncurrent loans | 256.2268% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 4,326 |
| Noncurrent loans to loans | 0.7585% | 3,968 |
| Net loans and leases to total assets | 78.1878% | 752 |
| Net loans and leases to deposits | 87.8419% | 1,375 |
| Net loans and leases to core deposits | 95.4731% | 1,429 |
| Total domestic deposits to total assets | 89.0098% | 1,656 |
| Equity capital to assets | 9.4136% | 4,606 |
| Core capital (leverage) ratio | 9.6457% | 4,069 |
| Tier 1 risk-based capital ratio | 10.0217% | 6,471 |
| Total risk-based capital ratio | 11.2708% | 6,445 |
| Memoranda: | ||
| Average total assets | $303,894,500 | 2,157 |
| Average earning assets | $272,276,500 | 2,198 |
| Average equity | $28,877,500 | 2,334 |
| Average total loans | $246,630,500 | 1,714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,185 |
| Cost of funding earning assets | 0.8114% | 1,153 |
| Net interest margin | 4.0446% | 1,823 |
| Noninterest income to average assets | 1.2382% | 910 |
| Noninterest expense to average assets | 3.2152% | 2,368 |
| Loan and lease loss provision to assets | 0.2072% | 1,788 |
| Net operating income to assets | 0.9244% | 2,667 |
| Return on assets (ROA) | 0.9244% | 2,752 |
| Pretax return on assets | 1.4467% | 1,635 |
| Return on Equity (ROE) | 7.7753% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.5147% | 1,229 |
| Net charge-offs to loans | 0.0087% | 5,281 |
| Credit loss provision to net charge-offs | 3,131.5789% | 70 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 181 |
| Efficiency ratio | 66.0326% | 4,551 |
| Assets per employee ($millions) | 3.6517% | 4,584 |
| Cash dividends to net income (ytd only)* | 3.3522% | 4,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 1,600 |
| Loan loss allowance to noncurrent loans | 252.3462% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 4,288 |
| Noncurrent loans to loans | 0.7845% | 4,011 |
| Net loans and leases to total assets | 81.0172% | 494 |
| Net loans and leases to deposits | 91.1451% | 1,146 |
| Net loans and leases to core deposits | 100.9079% | 1,092 |
| Total domestic deposits to total assets | 88.8882% | 1,704 |
| Equity capital to assets | 9.5962% | 4,293 |
| Core capital (leverage) ratio | 9.6968% | 3,988 |
| Tier 1 risk-based capital ratio | 9.6577% | 6,583 |
| Total risk-based capital ratio | 10.9113% | 6,562 |
| Memoranda: | ||
| Average total assets | $287,199,600 | 2,220 |
| Average earning assets | $257,826,600 | 2,263 |
| Average equity | $34,146,600 | 2,011 |
| Average total loans | $219,271,600 | 1,867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,388 |
| Cost of funding earning assets | 0.8176% | 1,221 |
| Net interest margin | 3.9663% | 2,055 |
| Noninterest income to average assets | 1.1539% | 1,103 |
| Noninterest expense to average assets | 3.1998% | 2,368 |
| Loan and lease loss provision to assets | 0.0935% | 3,206 |
| Net operating income to assets | 0.9116% | 2,769 |
| Return on assets (ROA) | 0.9116% | 2,878 |
| Pretax return on assets | 1.4322% | 1,825 |
| Return on Equity (ROE) | 7.3021% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.0548% | 1,845 |
| Net charge-offs to loans | 0.0125% | 4,889 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 163.0754% | 344 |
| Efficiency ratio | 67.7126% | 4,145 |
| Assets per employee ($millions) | 3.6574% | 4,543 |
| Cash dividends to net income (ytd only)* | 3.3864% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 1,797 |
| Loan loss allowance to noncurrent loans | 257.9222% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 4,293 |
| Noncurrent loans to loans | 0.7638% | 4,318 |
| Net loans and leases to total assets | 74.6424% | 1,181 |
| Net loans and leases to deposits | 86.6340% | 1,538 |
| Net loans and leases to core deposits | 96.3269% | 1,367 |
| Total domestic deposits to total assets | 86.1584% | 3,157 |
| Equity capital to assets | 12.3135% | 1,700 |
| Core capital (leverage) ratio | 12.1492% | 1,589 |
| Tier 1 risk-based capital ratio | 12.9791% | 5,141 |
| Total risk-based capital ratio | 14.2374% | 5,084 |
| Memoranda: | ||
| Average total assets | $285,053,500 | 2,248 |
| Average earning assets | $256,692,250 | 2,280 |
| Average equity | $35,587,250 | 1,950 |
| Average total loans | $212,970,500 | 1,911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 1,379 |
| Cost of funding earning assets | 0.8308% | 1,255 |
| Net interest margin | 3.9472% | 2,055 |
| Noninterest income to average assets | 1.4460% | 754 |
| Noninterest expense to average assets | 3.2859% | 2,110 |
| Loan and lease loss provision to assets | 0.1066% | 3,016 |
| Net operating income to assets | 1.0216% | 2,236 |
| Return on assets (ROA) | 1.0216% | 2,357 |
| Pretax return on assets | 1.6103% | 1,340 |
| Return on Equity (ROE) | 8.1440% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.8946% | 1,533 |
| Net charge-offs to loans | 0.0077% | 4,738 |
| Credit loss provision to net charge-offs | 1,875.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 301.8750% | 169 |
| Efficiency ratio | 65.6814% | 4,604 |
| Assets per employee ($millions) | 3.6799% | 4,441 |
| Cash dividends to net income (ytd only)* | 3.0619% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 1,834 |
| Loan loss allowance to noncurrent loans | 486.8508% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 4,858 |
| Noncurrent loans to loans | 0.4119% | 5,227 |
| Net loans and leases to total assets | 75.0124% | 1,104 |
| Net loans and leases to deposits | 87.1653% | 1,445 |
| Net loans and leases to core deposits | 97.4213% | 1,254 |
| Total domestic deposits to total assets | 86.0576% | 3,331 |
| Equity capital to assets | 12.5304% | 1,561 |
| Core capital (leverage) ratio | 12.3565% | 1,432 |
| Tier 1 risk-based capital ratio | 13.3709% | 4,861 |
| Total risk-based capital ratio | 14.6297% | 4,807 |
| Memoranda: | ||
| Average total assets | $281,321,000 | 2,287 |
| Average earning assets | $253,499,000 | 2,319 |
| Average equity | $35,290,000 | 1,973 |
| Average total loans | $208,769,670 | 1,947 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,555 |
| Cost of funding earning assets | 0.8330% | 1,349 |
| Net interest margin | 3.8594% | 2,248 |
| Noninterest income to average assets | 0.8978% | 1,763 |
| Noninterest expense to average assets | 3.1271% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7944% | 3,197 |
| Return on assets (ROA) | 0.7944% | 3,331 |
| Pretax return on assets | 1.2511% | 2,407 |
| Return on Equity (ROE) | 6.3287% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.0769% | 2,636 |
| Net charge-offs to loans | -0.0826% | 6,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4239% | 3,730 |
| Assets per employee ($millions) | 3.8969% | 4,167 |
| Cash dividends to net income (ytd only)* | 3.9783% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0988% | 1,798 |
| Loan loss allowance to noncurrent loans | 363.6824% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 4,845 |
| Noncurrent loans to loans | 0.5771% | 4,999 |
| Net loans and leases to total assets | 71.5881% | 1,419 |
| Net loans and leases to deposits | 83.1424% | 1,689 |
| Net loans and leases to core deposits | 92.0452% | 1,501 |
| Total domestic deposits to total assets | 86.1031% | 3,472 |
| Equity capital to assets | 12.5515% | 1,681 |
| Core capital (leverage) ratio | 12.5355% | 1,322 |
| Tier 1 risk-based capital ratio | 14.0403% | 4,480 |
| Total risk-based capital ratio | 15.3007% | 4,429 |
| Memoranda: | ||
| Average total assets | $278,466,500 | 2,322 |
| Average earning assets | $251,126,500 | 2,362 |
| Average equity | $34,952,000 | 2,019 |
| Average total loans | $203,297,500 | 2,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 1,625 |
| Cost of funding earning assets | 0.9207% | 1,812 |
| Net interest margin | 4.0567% | 2,160 |
| Noninterest income to average assets | 0.8244% | 2,160 |
| Noninterest expense to average assets | 3.0581% | 3,057 |
| Loan and lease loss provision to assets | 0.4651% | 1,344 |
| Net operating income to assets | 0.6190% | 4,150 |
| Return on assets (ROA) | 0.6430% | 4,285 |
| Pretax return on assets | 0.9984% | 3,553 |
| Return on Equity (ROE) | 4.8994% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,127 |
| Net charge-offs to loans | 0.0484% | 5,236 |
| Credit loss provision to net charge-offs | 1,304.3478% | 198 |
| Earnings coverage of net charge-offs (x) | 39.9891% | 803 |
| Efficiency ratio | 68.1995% | 4,111 |
| Assets per employee ($millions) | 3.7857% | 4,398 |
| Cash dividends to net income (ytd only)* | 10.0060% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,723 |
| Loan loss allowance to noncurrent loans | 395.1807% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 4,954 |
| Noncurrent loans to loans | 0.5357% | 5,185 |
| Net loans and leases to total assets | 71.3446% | 1,597 |
| Net loans and leases to deposits | 83.0066% | 1,881 |
| Net loans and leases to core deposits | 91.6147% | 1,663 |
| Total domestic deposits to total assets | 85.9506% | 3,378 |
| Equity capital to assets | 12.5517% | 1,672 |
| Core capital (leverage) ratio | 12.8266% | 1,187 |
| Tier 1 risk-based capital ratio | 14.0447% | 4,355 |
| Total risk-based capital ratio | 15.3052% | 4,304 |
| Memoranda: | ||
| Average total assets | $258,003,200 | 2,457 |
| Average earning assets | $232,749,000 | 2,476 |
| Average equity | $33,861,200 | 2,035 |
| Average total loans | $190,083,200 | 2,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,742 |
| Cost of funding earning assets | 0.9418% | 1,899 |
| Net interest margin | 4.0376% | 2,349 |
| Noninterest income to average assets | 0.7187% | 2,623 |
| Noninterest expense to average assets | 2.9674% | 3,347 |
| Loan and lease loss provision to assets | 0.5261% | 1,137 |
| Net operating income to assets | 0.5636% | 4,552 |
| Return on assets (ROA) | 0.5903% | 4,705 |
| Pretax return on assets | 0.9134% | 4,052 |
| Return on Equity (ROE) | 4.4450% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.8745% | 4,161 |
| Net charge-offs to loans | 0.0655% | 4,766 |
| Credit loss provision to net charge-offs | 1,086.9565% | 261 |
| Earnings coverage of net charge-offs (x) | 28.8921% | 1,129 |
| Efficiency ratio | 67.9682% | 4,074 |
| Assets per employee ($millions) | 3.6754% | 4,594 |
| Cash dividends to net income (ytd only)* | 12.8346% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 2,044 |
| Loan loss allowance to noncurrent loans | 332.2976% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 4,818 |
| Noncurrent loans to loans | 0.6156% | 5,207 |
| Net loans and leases to total assets | 75.6429% | 1,021 |
| Net loans and leases to deposits | 88.8935% | 1,260 |
| Net loans and leases to core deposits | 99.0967% | 1,187 |
| Total domestic deposits to total assets | 85.0938% | 3,706 |
| Equity capital to assets | 13.2958% | 1,439 |
| Core capital (leverage) ratio | 13.1656% | 1,124 |
| Tier 1 risk-based capital ratio | 14.5851% | 4,129 |
| Total risk-based capital ratio | 15.8454% | 4,092 |
| Memoranda: | ||
| Average total assets | $253,415,750 | 2,521 |
| Average earning assets | $228,909,000 | 2,538 |
| Average equity | $33,654,750 | 2,064 |
| Average total loans | $187,247,250 | 2,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 2,013 |
| Cost of funding earning assets | 0.9533% | 2,038 |
| Net interest margin | 3.9699% | 2,634 |
| Noninterest income to average assets | 0.7528% | 2,404 |
| Noninterest expense to average assets | 2.9263% | 3,520 |
| Loan and lease loss provision to assets | 0.5553% | 1,105 |
| Net operating income to assets | 0.5605% | 4,534 |
| Return on assets (ROA) | 0.5981% | 4,634 |
| Pretax return on assets | 0.9265% | 3,979 |
| Return on Equity (ROE) | 4.5054% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.2425% | 3,786 |
| Net charge-offs to loans | -0.0044% | 6,146 |
| Credit loss provision to net charge-offs | -17,500.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2684% | 4,279 |
| Assets per employee ($millions) | 4.0961% | 3,670 |
| Cash dividends to net income (ytd only)* | 5.8355% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 2,025 |
| Loan loss allowance to noncurrent loans | 328.5106% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 4,943 |
| Noncurrent loans to loans | 0.6348% | 5,236 |
| Net loans and leases to total assets | 71.3622% | 1,667 |
| Net loans and leases to deposits | 83.4988% | 1,915 |
| Net loans and leases to core deposits | 93.0119% | 1,683 |
| Total domestic deposits to total assets | 85.4649% | 3,630 |
| Equity capital to assets | 13.3400% | 1,375 |
| Core capital (leverage) ratio | 12.9613% | 1,163 |
| Tier 1 risk-based capital ratio | 15.3654% | 3,529 |
| Total risk-based capital ratio | 16.6265% | 3,480 |
| Memoranda: | ||
| Average total assets | $252,129,000 | 2,529 |
| Average earning assets | $228,472,000 | 2,537 |
| Average equity | $33,470,670 | 2,064 |
| Average total loans | $183,438,000 | 2,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 2,165 |
| Cost of funding earning assets | 0.9760% | 2,128 |
| Net interest margin | 3.9445% | 2,749 |
| Noninterest income to average assets | 0.7086% | 2,622 |
| Noninterest expense to average assets | 2.9409% | 3,471 |
| Loan and lease loss provision to assets | 0.4777% | 1,279 |
| Net operating income to assets | 0.5621% | 4,539 |
| Return on assets (ROA) | 0.5621% | 4,756 |
| Pretax return on assets | 0.8742% | 4,134 |
| Return on Equity (ROE) | 4.2444% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.9799% | 4,196 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5089% | 4,068 |
| Assets per employee ($millions) | 4.4312% | 3,125 |
| Cash dividends to net income (ytd only)* | 6.2323% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 2,649 |
| Loan loss allowance to noncurrent loans | 272.1260% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 5,040 |
| Noncurrent loans to loans | 0.7020% | 5,258 |
| Net loans and leases to total assets | 67.8771% | 2,137 |
| Net loans and leases to deposits | 78.8376% | 2,363 |
| Net loans and leases to core deposits | 87.5234% | 2,113 |
| Total domestic deposits to total assets | 86.0974% | 3,471 |
| Equity capital to assets | 12.7934% | 1,548 |
| Core capital (leverage) ratio | 13.0190% | 1,123 |
| Tier 1 risk-based capital ratio | 15.4153% | 3,493 |
| Total risk-based capital ratio | 16.6746% | 3,458 |
| Memoranda: | ||
| Average total assets | $251,214,500 | 2,552 |
| Average earning assets | $228,268,000 | 2,560 |
| Average equity | $33,267,000 | 2,080 |
| Average total loans | $182,612,000 | 2,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 2,191 |
| Cost of funding earning assets | 1.1378% | 2,426 |
| Net interest margin | 4.0311% | 2,726 |
| Noninterest income to average assets | 0.3681% | 4,877 |
| Noninterest expense to average assets | 2.6971% | 4,755 |
| Loan and lease loss provision to assets | 0.6455% | 1,581 |
| Net operating income to assets | 0.4617% | 4,582 |
| Return on assets (ROA) | 0.4884% | 4,679 |
| Pretax return on assets | 0.7986% | 3,984 |
| Return on Equity (ROE) | 3.9995% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.9297% | 3,409 |
| Net charge-offs to loans | 0.2994% | 3,905 |
| Credit loss provision to net charge-offs | 279.7665% | 848 |
| Earnings coverage of net charge-offs (x) | 6.0778% | 2,604 |
| Efficiency ratio | 65.7906% | 4,815 |
| Assets per employee ($millions) | 4.5470% | 2,832 |
| Cash dividends to net income (ytd only)* | 1.7463% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 3,157 |
| Loan loss allowance to noncurrent loans | 304.9275% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 5,196 |
| Noncurrent loans to loans | 0.5616% | 5,595 |
| Net loans and leases to total assets | 75.1711% | 1,066 |
| Net loans and leases to deposits | 88.1961% | 1,356 |
| Net loans and leases to core deposits | 99.3708% | 1,227 |
| Total domestic deposits to total assets | 85.2317% | 3,727 |
| Equity capital to assets | 13.7297% | 1,158 |
| Core capital (leverage) ratio | 13.1814% | 1,078 |
| Tier 1 risk-based capital ratio | 15.2287% | 3,491 |
| Total risk-based capital ratio | 16.4863% | 3,447 |
| Memoranda: | ||
| Average total assets | $222,761,400 | 2,813 |
| Average earning assets | $206,196,200 | 2,777 |
| Average equity | $27,203,200 | 2,383 |
| Average total loans | $171,649,400 | 2,359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 2,314 |
| Cost of funding earning assets | 1.1558% | 2,599 |
| Net interest margin | 4.0132% | 2,858 |
| Noninterest income to average assets | 0.3110% | 5,379 |
| Noninterest expense to average assets | 2.6342% | 4,959 |
| Loan and lease loss provision to assets | 0.6526% | 1,500 |
| Net operating income to assets | 0.4622% | 4,712 |
| Return on assets (ROA) | 0.4986% | 4,741 |
| Pretax return on assets | 0.8151% | 4,070 |
| Return on Equity (ROE) | 4.2280% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.2280% | 3,722 |
| Net charge-offs to loans | -0.0562% | 7,066 |
| Credit loss provision to net charge-offs | -1,504.2254% | 6,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1208% | 4,872 |
| Assets per employee ($millions) | 4.5306% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 2,715 |
| Loan loss allowance to noncurrent loans | 129.2561% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 4,475 |
| Noncurrent loans to loans | 1.4473% | 4,126 |
| Net loans and leases to total assets | 73.6415% | 1,384 |
| Net loans and leases to deposits | 86.2395% | 1,657 |
| Net loans and leases to core deposits | 97.4377% | 1,477 |
| Total domestic deposits to total assets | 85.3919% | 3,562 |
| Equity capital to assets | 13.6873% | 1,290 |
| Core capital (leverage) ratio | 13.4489% | 1,062 |
| Tier 1 risk-based capital ratio | 15.6717% | 3,294 |
| Total risk-based capital ratio | 16.9319% | 3,250 |
| Memoranda: | ||
| Average total assets | $218,204,500 | 2,862 |
| Average earning assets | $203,023,250 | 2,819 |
| Average equity | $25,732,250 | 2,505 |
| Average total loans | $168,484,250 | 2,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 2,328 |
| Cost of funding earning assets | 1.1718% | 2,766 |
| Net interest margin | 4.0119% | 2,782 |
| Noninterest income to average assets | 0.3205% | 5,335 |
| Noninterest expense to average assets | 2.5861% | 5,236 |
| Loan and lease loss provision to assets | 0.6724% | 1,431 |
| Net operating income to assets | 0.4889% | 4,548 |
| Return on assets (ROA) | 0.5083% | 4,606 |
| Pretax return on assets | 0.8326% | 3,900 |
| Return on Equity (ROE) | 4.5902% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.5902% | 3,266 |
| Net charge-offs to loans | 0.0352% | 5,360 |
| Credit loss provision to net charge-offs | 2,444.8276% | 136 |
| Earnings coverage of net charge-offs (x) | 53.6207% | 590 |
| Efficiency ratio | 63.6852% | 5,302 |
| Assets per employee ($millions) | 4.2540% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 3,445 |
| Loan loss allowance to noncurrent loans | 159.5616% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 4,944 |
| Noncurrent loans to loans | 1.0417% | 4,913 |
| Net loans and leases to total assets | 77.8799% | 794 |
| Net loans and leases to deposits | 88.1951% | 1,470 |
| Net loans and leases to core deposits | 98.5865% | 1,461 |
| Total domestic deposits to total assets | 88.3041% | 1,962 |
| Equity capital to assets | 10.7524% | 3,224 |
| Core capital (leverage) ratio | 10.1676% | 3,070 |
| Tier 1 risk-based capital ratio | 11.2992% | 6,320 |
| Total risk-based capital ratio | 12.5568% | 6,307 |
| Memoranda: | ||
| Average total assets | $210,899,330 | 2,965 |
| Average earning assets | $196,614,330 | 2,916 |
| Average equity | $23,354,330 | 2,721 |
| Average total loans | $164,579,330 | 2,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 2,567 |
| Cost of funding earning assets | 1.1603% | 3,085 |
| Net interest margin | 3.9580% | 2,877 |
| Noninterest income to average assets | 0.3130% | 5,425 |
| Noninterest expense to average assets | 2.5838% | 5,281 |
| Loan and lease loss provision to assets | 0.5832% | 1,480 |
| Net operating income to assets | 0.5152% | 4,429 |
| Return on assets (ROA) | 0.5152% | 4,514 |
| Pretax return on assets | 0.8399% | 3,742 |
| Return on Equity (ROE) | 4.5810% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.5810% | 3,431 |
| Net charge-offs to loans | -0.1130% | 7,119 |
| Credit loss provision to net charge-offs | -666.6667% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4833% | 5,282 |
| Assets per employee ($millions) | 4.6333% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,758 |
| Loan loss allowance to noncurrent loans | 239.2758% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 5,898 |
| Noncurrent loans to loans | 0.6659% | 5,698 |
| Net loans and leases to total assets | 73.0813% | 1,500 |
| Net loans and leases to deposits | 82.7722% | 2,221 |
| Net loans and leases to core deposits | 93.1899% | 1,989 |
| Total domestic deposits to total assets | 88.2921% | 2,195 |
| Equity capital to assets | 10.6853% | 3,001 |
| Core capital (leverage) ratio | 10.8455% | 2,315 |
| Tier 1 risk-based capital ratio | 11.9052% | 5,776 |
| Total risk-based capital ratio | 13.1626% | 5,759 |
| Memoranda: | ||
| Average total assets | $205,746,000 | 3,038 |
| Average earning assets | $192,014,500 | 2,984 |
| Average equity | $23,139,000 | 2,733 |
| Average total loans | $159,275,500 | 2,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 3,368 |
| Cost of funding earning assets | 1.4498% | 2,954 |
| Net interest margin | 3.7981% | 3,953 |
| Noninterest income to average assets | 0.2968% | 5,669 |
| Noninterest expense to average assets | 2.6943% | 5,017 |
| Loan and lease loss provision to assets | 0.7697% | 2,129 |
| Net operating income to assets | 0.2073% | 5,250 |
| Return on assets (ROA) | 0.2378% | 5,301 |
| Pretax return on assets | 0.4068% | 4,924 |
| Return on Equity (ROE) | 1.9060% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.9060% | 4,532 |
| Net charge-offs to loans | 0.7411% | 2,804 |
| Credit loss provision to net charge-offs | 136.1111% | 2,834 |
| Earnings coverage of net charge-offs (x) | 1.9962% | 4,241 |
| Efficiency ratio | 70.4732% | 4,074 |
| Assets per employee ($millions) | 4.1218% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,409 |
| Loan loss allowance to noncurrent loans | 182.8010% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 5,742 |
| Noncurrent loans to loans | 0.7786% | 5,486 |
| Net loans and leases to total assets | 79.8013% | 686 |
| Net loans and leases to deposits | 91.6140% | 1,306 |
| Net loans and leases to core deposits | 105.5134% | 1,221 |
| Total domestic deposits to total assets | 87.1059% | 2,764 |
| Equity capital to assets | 11.8771% | 1,986 |
| Core capital (leverage) ratio | 10.7126% | 2,374 |
| Tier 1 risk-based capital ratio | 11.9999% | 5,476 |
| Total risk-based capital ratio | 13.2554% | 5,448 |
| Memoranda: | ||
| Average total assets | $184,611,800 | 3,300 |
| Average earning assets | $171,400,200 | 3,259 |
| Average equity | $23,032,000 | 2,756 |
| Average total loans | $140,866,400 | 2,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 3,940 |
| Cost of funding earning assets | 1.4805% | 3,082 |
| Net interest margin | 3.6994% | 4,399 |
| Noninterest income to average assets | 0.2998% | 5,745 |
| Noninterest expense to average assets | 2.7093% | 4,841 |
| Loan and lease loss provision to assets | 0.4980% | 2,974 |
| Net operating income to assets | 0.3133% | 5,114 |
| Return on assets (ROA) | 0.3451% | 5,162 |
| Pretax return on assets | 0.5755% | 4,677 |
| Return on Equity (ROE) | 2.7317% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.7317% | 4,517 |
| Net charge-offs to loans | 0.1403% | 5,177 |
| Credit loss provision to net charge-offs | 472.9167% | 631 |
| Earnings coverage of net charge-offs (x) | 9.7220% | 1,976 |
| Efficiency ratio | 72.5759% | 3,596 |
| Assets per employee ($millions) | 4.2968% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,520 |
| Loan loss allowance to noncurrent loans | 209.2738% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 5,991 |
| Noncurrent loans to loans | 0.7653% | 5,678 |
| Net loans and leases to total assets | 74.3518% | 1,727 |
| Net loans and leases to deposits | 85.6238% | 2,422 |
| Net loans and leases to core deposits | 98.0177% | 2,041 |
| Total domestic deposits to total assets | 86.8354% | 2,626 |
| Equity capital to assets | 11.8087% | 2,276 |
| Core capital (leverage) ratio | 11.2541% | 2,100 |
| Tier 1 risk-based capital ratio | 12.7375% | 4,787 |
| Total risk-based capital ratio | 13.9955% | 4,761 |
| Memoranda: | ||
| Average total assets | $182,333,500 | 3,391 |
| Average earning assets | $169,213,750 | 3,338 |
| Average equity | $23,037,750 | 2,801 |
| Average total loans | $136,876,250 | 3,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 4,174 |
| Cost of funding earning assets | 1.4994% | 3,263 |
| Net interest margin | 3.6539% | 4,561 |
| Noninterest income to average assets | 0.3250% | 5,551 |
| Noninterest expense to average assets | 2.7558% | 4,679 |
| Loan and lease loss provision to assets | 0.5044% | 2,783 |
| Net operating income to assets | 0.2601% | 5,333 |
| Return on assets (ROA) | 0.3092% | 5,295 |
| Pretax return on assets | 0.5214% | 4,839 |
| Return on Equity (ROE) | 2.3892% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.3892% | 4,640 |
| Net charge-offs to loans | 0.0753% | 5,390 |
| Credit loss provision to net charge-offs | 894.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 16.8200% | 1,385 |
| Efficiency ratio | 74.3832% | 3,397 |
| Assets per employee ($millions) | 4.2137% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,515 |
| Loan loss allowance to noncurrent loans | 524.9417% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 6,831 |
| Noncurrent loans to loans | 0.3020% | 6,621 |
| Net loans and leases to total assets | 73.7211% | 1,975 |
| Net loans and leases to deposits | 85.5338% | 2,592 |
| Net loans and leases to core deposits | 101.4199% | 1,874 |
| Total domestic deposits to total assets | 86.1895% | 2,983 |
| Equity capital to assets | 12.2205% | 1,967 |
| Core capital (leverage) ratio | 11.6764% | 1,822 |
| Tier 1 risk-based capital ratio | 13.0528% | 4,394 |
| Total risk-based capital ratio | 14.3102% | 4,344 |
| Memoranda: | ||
| Average total assets | $177,227,670 | 3,477 |
| Average earning assets | $163,932,330 | 3,449 |
| Average equity | $22,937,000 | 2,802 |
| Average total loans | $132,718,670 | 3,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 4,446 |
| Cost of funding earning assets | 1.4876% | 3,635 |
| Net interest margin | 3.6304% | 4,577 |
| Noninterest income to average assets | 0.2666% | 6,021 |
| Noninterest expense to average assets | 2.8322% | 4,361 |
| Loan and lease loss provision to assets | 0.3508% | 3,277 |
| Net operating income to assets | 0.2573% | 5,463 |
| Return on assets (ROA) | 0.2573% | 5,589 |
| Pretax return on assets | 0.4397% | 5,166 |
| Return on Equity (ROE) | 1.9282% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9282% | 4,970 |
| Net charge-offs to loans | 0.1562% | 3,989 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.7600% | 2,167 |
| Efficiency ratio | 78.1795% | 2,863 |
| Assets per employee ($millions) | 4.0840% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,960 |
| Loan loss allowance to noncurrent loans | 153.9370% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 5,757 |
| Noncurrent loans to loans | 0.9674% | 5,401 |
| Net loans and leases to total assets | 71.9660% | 2,457 |
| Net loans and leases to deposits | 86.0922% | 2,572 |
| Net loans and leases to core deposits | 102.1727% | 1,882 |
| Total domestic deposits to total assets | 83.5917% | 4,346 |
| Equity capital to assets | 12.7382% | 1,631 |
| Core capital (leverage) ratio | 12.1984% | 1,548 |
| Tier 1 risk-based capital ratio | 13.8016% | 3,796 |
| Total risk-based capital ratio | 15.0587% | 3,746 |
| Memoranda: | ||
| Average total assets | $171,033,500 | 3,640 |
| Average earning assets | $158,109,000 | 3,605 |
| Average equity | $22,819,500 | 2,834 |
| Average total loans | $128,058,500 | 3,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 5,166 |
| Cost of funding earning assets | 1.7055% | 4,476 |
| Net interest margin | 3.5962% | 4,564 |
| Noninterest income to average assets | 0.2983% | 5,965 |
| Noninterest expense to average assets | 4.0381% | 1,312 |
| Loan and lease loss provision to assets | 0.8848% | 2,533 |
| Net operating income to assets | -0.8894% | 6,505 |
| Return on assets (ROA) | -0.8660% | 6,484 |
| Pretax return on assets | -1.3343% | 6,615 |
| Return on Equity (ROE) | -5.1688% | 6,226 |
| Retained earnings to average equity (ytd only) | -5.1688% | 6,044 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6654% | 719 |
| Assets per employee ($millions) | 3.7761% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,800 |
| Loan loss allowance to noncurrent loans | 152.1739% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 5,606 |
| Noncurrent loans to loans | 0.9764% | 5,369 |
| Net loans and leases to total assets | 75.7444% | 1,867 |
| Net loans and leases to deposits | 93.2617% | 1,698 |
| Net loans and leases to core deposits | 151.4152% | 480 |
| Total domestic deposits to total assets | 81.2171% | 5,261 |
| Equity capital to assets | 14.0105% | 1,170 |
| Core capital (leverage) ratio | 13.0343% | 1,241 |
| Tier 1 risk-based capital ratio | 14.3242% | 3,307 |
| Total risk-based capital ratio | 15.5812% | 3,252 |
| Memoranda: | ||
| Average total assets | $127,709,600 | 4,389 |
| Average earning assets | $115,565,200 | 4,407 |
| Average equity | $21,397,800 | 3,029 |
| Average total loans | $94,923,000 | 4,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 5,697 |
| Cost of funding earning assets | 1.7629% | 4,573 |
| Net interest margin | 3.4848% | 4,924 |
| Noninterest income to average assets | 0.3158% | 5,953 |
| Noninterest expense to average assets | 4.3221% | 885 |
| Loan and lease loss provision to assets | 0.5376% | 3,238 |
| Net operating income to assets | -0.9149% | 6,772 |
| Return on assets (ROA) | -0.8814% | 6,749 |
| Pretax return on assets | -1.3574% | 6,888 |
| Return on Equity (ROE) | -4.9825% | 6,451 |
| Retained earnings to average equity (ytd only) | -4.9825% | 6,255 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.2515% | 527 |
| Assets per employee ($millions) | 3.0367% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,054 |
| Loan loss allowance to noncurrent loans | 1,205.0000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,401 |
| Noncurrent loans to loans | 0.0865% | 7,271 |
| Net loans and leases to total assets | 73.9088% | 2,551 |
| Net loans and leases to deposits | 91.9449% | 2,243 |
| Net loans and leases to core deposits | 153.1680% | 506 |
| Total domestic deposits to total assets | 80.3838% | 5,295 |
| Equity capital to assets | 14.8845% | 1,038 |
| Core capital (leverage) ratio | 14.1179% | 1,062 |
| Tier 1 risk-based capital ratio | 16.2263% | 2,547 |
| Total risk-based capital ratio | 17.1324% | 2,603 |
| Memoranda: | ||
| Average total assets | $119,044,250 | 4,625 |
| Average earning assets | $107,091,000 | 4,680 |
| Average equity | $21,060,000 | 3,090 |
| Average total loans | $87,443,250 | 4,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9471% | 6,930 |
| Cost of funding earning assets | 1.7558% | 4,971 |
| Net interest margin | 3.1913% | 5,948 |
| Noninterest income to average assets | 0.3604% | 5,630 |
| Noninterest expense to average assets | 4.5938% | 702 |
| Loan and lease loss provision to assets | 0.5602% | 2,782 |
| Net operating income to assets | -1.2520% | 7,136 |
| Return on assets (ROA) | -1.1970% | 7,120 |
| Pretax return on assets | -1.8599% | 7,235 |
| Return on Equity (ROE) | -6.2855% | 6,743 |
| Retained earnings to average equity (ytd only) | -6.2855% | 6,490 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.1898% | 406 |
| Assets per employee ($millions) | 3.6143% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,725 |
| Loan loss allowance to noncurrent loans | 214.8847% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,240 |
| Noncurrent loans to loans | 0.4232% | 6,456 |
| Net loans and leases to total assets | 73.5741% | 2,821 |
| Net loans and leases to deposits | 92.5189% | 2,363 |
| Net loans and leases to core deposits | 159.9756% | 450 |
| Total domestic deposits to total assets | 79.5233% | 5,632 |
| Equity capital to assets | 15.2218% | 980 |
| Core capital (leverage) ratio | 18.1925% | 490 |
| Tier 1 risk-based capital ratio | 16.4319% | 2,468 |
| Total risk-based capital ratio | 17.2288% | 2,576 |
| Memoranda: | ||
| Average total assets | $107,101,670 | 4,962 |
| Average earning assets | $95,571,670 | 5,021 |
| Average equity | $20,396,000 | 3,188 |
| Average total loans | $78,034,670 | 4,657 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 5,557 |
| Cost of funding earning assets | 1.8676% | 4,800 |
| Net interest margin | 3.5058% | 4,708 |
| Noninterest income to average assets | 0.2029% | 6,840 |
| Noninterest expense to average assets | 4.3893% | 798 |
| Loan and lease loss provision to assets | 0.7080% | 1,803 |
| Net operating income to assets | -1.1610% | 7,344 |
| Return on assets (ROA) | -1.1610% | 7,354 |
| Pretax return on assets | -1.7935% | 7,470 |
| Return on Equity (ROE) | -5.1679% | 6,987 |
| Retained earnings to average equity (ytd only) | -5.1679% | 6,570 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8571% | 479 |
| Assets per employee ($millions) | 2.6889% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 3,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.3355% | 4,061 |
| Net loans and leases to deposits | 88.2537% | 3,247 |
| Net loans and leases to core deposits | 149.5392% | 722 |
| Total domestic deposits to total assets | 77.4308% | 6,171 |
| Equity capital to assets | 20.7228% | 374 |
| Core capital (leverage) ratio | 21.2523% | 340 |
| Tier 1 risk-based capital ratio | 23.0608% | 1,189 |
| Total risk-based capital ratio | 24.1961% | 1,171 |
| Memoranda: | ||
| Average total assets | $84,751,500 | 5,651 |
| Average earning assets | $74,961,000 | 5,732 |
| Average equity | $19,040,500 | 3,412 |
| Average total loans | $60,696,000 | 5,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 7,494 |
| Cost of funding earning assets | 1.7566% | 7,122 |
| Net interest margin | 3.6210% | 4,783 |
| Noninterest income to average assets | 0.2683% | 6,538 |
| Noninterest expense to average assets | 5.5632% | 487 |
| Loan and lease loss provision to assets | 0.9757% | 1,510 |
| Net operating income to assets | -2.0929% | 7,626 |
| Return on assets (ROA) | -2.0929% | 7,587 |
| Pretax return on assets | -3.1028% | 7,732 |
| Return on Equity (ROE) | -6.6368% | 7,012 |
| Retained earnings to average equity (ytd only) | -6.6368% | 6,745 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.9025% | 309 |
| Assets per employee ($millions) | 2.4401% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.4087% | 3,258 |
| Net loans and leases to deposits | 100.1363% | 1,821 |
| Net loans and leases to core deposits | 168.9381% | 425 |
| Total domestic deposits to total assets | 73.3088% | 6,775 |
| Equity capital to assets | 24.5076% | 275 |
| Core capital (leverage) ratio | 24.5143% | 274 |
| Tier 1 risk-based capital ratio | 26.3375% | 872 |
| Total risk-based capital ratio | 27.3920% | 870 |
| Memoranda: | ||
| Average total assets | $61,493,800 | 6,341 |
| Average earning assets | $53,797,000 | 6,424 |
| Average equity | $19,392,000 | 3,326 |
| Average total loans | $37,121,600 | 6,310 |