Home > Frontenac Bank > Performance and Condition Ratios
Frontenac Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,526 |
| Cost of funding earning assets | 0.7021% | 795 |
| Net interest margin | 2.9210% | 5,230 |
| Noninterest income to average assets | -0.3603% | 6,045 |
| Noninterest expense to average assets | 2.8090% | 2,996 |
| Loan and lease loss provision to assets | -0.0086% | 5,764 |
| Net operating income to assets | -0.2793% | 5,870 |
| Return on assets (ROA) | -0.1544% | 5,855 |
| Pretax return on assets | -0.3124% | 5,884 |
| Return on Equity (ROE) | -1.3148% | 5,853 |
| Retained earnings to average equity (ytd only) | -1.3148% | 5,477 |
| Net charge-offs to loans | 0.9963% | 187 |
| Credit loss provision to net charge-offs | -1.2320% | 4,433 |
| Earnings coverage of net charge-offs (x) | -0.7413% | 3,580 |
| Efficiency ratio | 122.5133% | 84 |
| Assets per employee ($millions) | 7.8936% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,756 |
| Loan loss allowance to noncurrent loans | 85.2830% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 3.7454% | 267 |
| Noncurrent loans to loans | 1.7940% | 1,152 |
| Net loans and leases to total assets | 70.4554% | 2,410 |
| Net loans and leases to deposits | 84.5140% | 2,406 |
| Net loans and leases to core deposits | 90.8422% | 2,450 |
| Total domestic deposits to total assets | 83.3654% | 3,514 |
| Equity capital to assets | 12.1737% | 1,995 |
| Core capital (leverage) ratio | 10.4424% | 3,028 |
| Tier 1 risk-based capital ratio | 13.9744% | 3,621 |
| Total risk-based capital ratio | 15.2361% | 3,532 |
| Memoranda: | ||
| Average total assets | $279,743,000 | 2,303 |
| Average earning assets | $254,093,670 | 2,355 |
| Average equity | $32,857,670 | 2,205 |
| Average total loans | $195,519,670 | 2,163 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,487 |
| Cost of funding earning assets | 0.7077% | 780 |
| Net interest margin | 2.9374% | 5,242 |
| Noninterest income to average assets | -0.2256% | 6,110 |
| Noninterest expense to average assets | 2.1806% | 4,950 |
| Loan and lease loss provision to assets | 0.0617% | 2,710 |
| Net operating income to assets | 0.1406% | 5,622 |
| Return on assets (ROA) | 0.3083% | 5,363 |
| Pretax return on assets | 0.4414% | 5,226 |
| Return on Equity (ROE) | 2.6707% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.6707% | 4,179 |
| Net charge-offs to loans | 1.9811% | 79 |
| Credit loss provision to net charge-offs | 4.5036% | 2,400 |
| Earnings coverage of net charge-offs (x) | 0.1924% | 2,956 |
| Efficiency ratio | 89.2202% | 728 |
| Assets per employee ($millions) | 7.1419% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,925 |
| Loan loss allowance to noncurrent loans | 78.2051% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 3.9996% | 251 |
| Noncurrent loans to loans | 1.9353% | 1,119 |
| Net loans and leases to total assets | 68.0840% | 2,636 |
| Net loans and leases to deposits | 81.0608% | 2,668 |
| Net loans and leases to core deposits | 86.8792% | 2,667 |
| Total domestic deposits to total assets | 83.9912% | 3,525 |
| Equity capital to assets | 11.6226% | 2,317 |
| Core capital (leverage) ratio | 10.3596% | 3,118 |
| Tier 1 risk-based capital ratio | 13.8037% | 3,810 |
| Total risk-based capital ratio | 15.0644% | 3,742 |
| Memoranda: | ||
| Average total assets | $285,424,000 | 2,275 |
| Average earning assets | $259,416,500 | 2,313 |
| Average equity | $32,950,500 | 2,198 |
| Average total loans | $197,266,000 | 2,146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 3,895 |
| Cost of funding earning assets | 0.6415% | 1,117 |
| Net interest margin | 3.2051% | 4,614 |
| Noninterest income to average assets | -0.0198% | 6,123 |
| Noninterest expense to average assets | 2.3101% | 4,757 |
| Loan and lease loss provision to assets | 0.1532% | 1,533 |
| Net operating income to assets | 0.2855% | 5,398 |
| Return on assets (ROA) | 0.3961% | 5,141 |
| Pretax return on assets | 0.5965% | 4,848 |
| Return on Equity (ROE) | 3.3957% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.3957% | 3,634 |
| Net charge-offs to loans | 0.5709% | 429 |
| Credit loss provision to net charge-offs | 36.8284% | 3,568 |
| Earnings coverage of net charge-offs (x) | 1.3995% | 4,093 |
| Efficiency ratio | 79.8729% | 1,691 |
| Assets per employee ($millions) | 6.6319% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 818 |
| Loan loss allowance to noncurrent loans | 10,323.6842% | 99 |
| Noncurrent assets plus other real estate owned to assets | 2.7836% | 510 |
| Noncurrent loans to loans | 0.0193% | 5,439 |
| Net loans and leases to total assets | 67.7206% | 2,747 |
| Net loans and leases to deposits | 81.2378% | 2,685 |
| Net loans and leases to core deposits | 86.6592% | 2,734 |
| Total domestic deposits to total assets | 83.3610% | 3,726 |
| Equity capital to assets | 11.4660% | 2,388 |
| Core capital (leverage) ratio | 10.2318% | 3,220 |
| Tier 1 risk-based capital ratio | 13.7531% | 3,854 |
| Total risk-based capital ratio | 15.0244% | 3,769 |
| Memoranda: | ||
| Average total assets | $277,437,000 | 2,291 |
| Average earning assets | $252,068,200 | 2,327 |
| Average equity | $32,364,600 | 2,178 |
| Average total loans | $202,135,000 | 2,055 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,900 |
| Cost of funding earning assets | 0.6231% | 1,257 |
| Net interest margin | 3.2350% | 4,563 |
| Noninterest income to average assets | -0.0276% | 6,214 |
| Noninterest expense to average assets | 2.3385% | 4,681 |
| Loan and lease loss provision to assets | 0.1389% | 1,601 |
| Net operating income to assets | 0.2912% | 5,479 |
| Return on assets (ROA) | 0.4244% | 5,156 |
| Pretax return on assets | 0.6335% | 4,887 |
| Return on Equity (ROE) | 3.6222% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.6222% | 3,889 |
| Net charge-offs to loans | 0.0596% | 2,749 |
| Credit loss provision to net charge-offs | 315.3846% | 923 |
| Earnings coverage of net charge-offs (x) | 13.0220% | 2,359 |
| Efficiency ratio | 80.3058% | 1,617 |
| Assets per employee ($millions) | 6.4679% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3885% | 509 |
| Loan loss allowance to noncurrent loans | 13,466.6667% | 75 |
| Noncurrent assets plus other real estate owned to assets | 2.8872% | 546 |
| Noncurrent loans to loans | 0.0177% | 5,569 |
| Net loans and leases to total assets | 71.2366% | 2,186 |
| Net loans and leases to deposits | 81.5090% | 2,706 |
| Net loans and leases to core deposits | 85.5070% | 2,901 |
| Total domestic deposits to total assets | 87.3972% | 1,846 |
| Equity capital to assets | 11.7729% | 2,288 |
| Core capital (leverage) ratio | 10.4443% | 3,111 |
| Tier 1 risk-based capital ratio | 13.4734% | 4,153 |
| Total risk-based capital ratio | 14.7494% | 4,069 |
| Memoranda: | ||
| Average total assets | $275,503,000 | 2,320 |
| Average earning assets | $250,342,500 | 2,357 |
| Average equity | $32,281,250 | 2,201 |
| Average total loans | $203,407,750 | 2,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 3,808 |
| Cost of funding earning assets | 0.6042% | 1,381 |
| Net interest margin | 3.2624% | 4,443 |
| Noninterest income to average assets | -0.0401% | 6,287 |
| Noninterest expense to average assets | 2.4127% | 4,504 |
| Loan and lease loss provision to assets | 0.1253% | 1,767 |
| Net operating income to assets | 0.2525% | 5,575 |
| Return on assets (ROA) | 0.4501% | 5,071 |
| Pretax return on assets | 0.6860% | 4,704 |
| Return on Equity (ROE) | 3.8472% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.8472% | 3,555 |
| Net charge-offs to loans | 0.0462% | 2,774 |
| Credit loss provision to net charge-offs | 365.9574% | 802 |
| Earnings coverage of net charge-offs (x) | 14.9574% | 2,017 |
| Efficiency ratio | 82.4950% | 1,430 |
| Assets per employee ($millions) | 6.2381% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3327% | 610 |
| Loan loss allowance to noncurrent loans | 1,949.7959% | 300 |
| Noncurrent assets plus other real estate owned to assets | 3.0707% | 532 |
| Noncurrent loans to loans | 0.1196% | 5,284 |
| Net loans and leases to total assets | 71.2498% | 2,116 |
| Net loans and leases to deposits | 83.9654% | 2,316 |
| Net loans and leases to core deposits | 86.5705% | 2,702 |
| Total domestic deposits to total assets | 84.8562% | 3,188 |
| Equity capital to assets | 11.5074% | 2,405 |
| Core capital (leverage) ratio | 10.3137% | 3,204 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,411 |
| Total risk-based capital ratio | 14.4501% | 4,322 |
| Memoranda: | ||
| Average total assets | $274,630,330 | 2,341 |
| Average earning assets | $249,572,000 | 2,373 |
| Average equity | $32,127,330 | 2,216 |
| Average total loans | $203,553,000 | 2,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 3,911 |
| Cost of funding earning assets | 0.5841% | 1,551 |
| Net interest margin | 3.2394% | 4,456 |
| Noninterest income to average assets | 0.0074% | 6,320 |
| Noninterest expense to average assets | 2.4287% | 4,517 |
| Loan and lease loss provision to assets | 0.2165% | 820 |
| Net operating income to assets | 0.1870% | 5,707 |
| Return on assets (ROA) | 0.5744% | 4,490 |
| Pretax return on assets | 0.9161% | 3,828 |
| Return on Equity (ROE) | 4.8690% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.8690% | 3,128 |
| Net charge-offs to loans | 0.0966% | 1,753 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 7.3061% | 2,183 |
| Efficiency ratio | 82.1624% | 1,594 |
| Assets per employee ($millions) | 6.0445% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3328% | 677 |
| Loan loss allowance to noncurrent loans | 1,315.7895% | 429 |
| Noncurrent assets plus other real estate owned to assets | 3.2801% | 532 |
| Noncurrent loans to loans | 0.1773% | 5,142 |
| Net loans and leases to total assets | 73.1126% | 1,636 |
| Net loans and leases to deposits | 85.2098% | 1,929 |
| Net loans and leases to core deposits | 87.5299% | 2,372 |
| Total domestic deposits to total assets | 85.8030% | 3,038 |
| Equity capital to assets | 11.8555% | 2,147 |
| Core capital (leverage) ratio | 10.1355% | 3,421 |
| Tier 1 risk-based capital ratio | 12.7121% | 4,779 |
| Total risk-based capital ratio | 13.9946% | 4,681 |
| Memoranda: | ||
| Average total assets | $271,588,000 | 2,374 |
| Average earning assets | $247,202,500 | 2,406 |
| Average equity | $32,039,500 | 2,233 |
| Average total loans | $202,936,500 | 2,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,060 |
| Cost of funding earning assets | 0.6246% | 1,577 |
| Net interest margin | 3.2929% | 4,599 |
| Noninterest income to average assets | -0.1806% | 6,473 |
| Noninterest expense to average assets | 2.6589% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.3113% | 188 |
| Return on assets (ROA) | 2.3234% | 189 |
| Pretax return on assets | 0.1784% | 5,904 |
| Return on Equity (ROE) | 23.9915% | 123 |
| Retained earnings to average equity (ytd only) | 23.9915% | 43 |
| Net charge-offs to loans | 0.3095% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.7342% | 4,577 |
| Efficiency ratio | 94.1138% | 594 |
| Assets per employee ($millions) | 6.0261% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 721 |
| Loan loss allowance to noncurrent loans | 1,831.4961% | 357 |
| Noncurrent assets plus other real estate owned to assets | 3.3019% | 580 |
| Noncurrent loans to loans | 0.1256% | 5,400 |
| Net loans and leases to total assets | 72.8695% | 1,783 |
| Net loans and leases to deposits | 84.2137% | 2,185 |
| Net loans and leases to core deposits | 85.8621% | 2,704 |
| Total domestic deposits to total assets | 86.5294% | 2,558 |
| Equity capital to assets | 11.7385% | 2,217 |
| Core capital (leverage) ratio | 9.8777% | 3,740 |
| Tier 1 risk-based capital ratio | 12.6700% | 4,936 |
| Total risk-based capital ratio | 13.9322% | 4,843 |
| Memoranda: | ||
| Average total assets | $272,404,600 | 2,344 |
| Average earning assets | $248,657,000 | 2,355 |
| Average equity | $26,380,200 | 2,539 |
| Average total loans | $199,373,400 | 2,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 4,105 |
| Cost of funding earning assets | 0.6370% | 1,546 |
| Net interest margin | 3.2805% | 4,682 |
| Noninterest income to average assets | -0.1770% | 6,550 |
| Noninterest expense to average assets | 2.6821% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1398% | 5,961 |
| Return on assets (ROA) | 0.1682% | 5,947 |
| Pretax return on assets | 0.1682% | 5,987 |
| Return on Equity (ROE) | 1.8334% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.8334% | 5,134 |
| Net charge-offs to loans | 0.5114% | 754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.3753% | 4,400 |
| Efficiency ratio | 95.0450% | 544 |
| Assets per employee ($millions) | 5.5785% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 831 |
| Loan loss allowance to noncurrent loans | 154.5081% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 6.1329% | 222 |
| Noncurrent loans to loans | 1.4831% | 2,190 |
| Net loans and leases to total assets | 71.7697% | 1,889 |
| Net loans and leases to deposits | 81.3868% | 2,507 |
| Net loans and leases to core deposits | 83.0612% | 2,991 |
| Total domestic deposits to total assets | 88.1835% | 1,668 |
| Equity capital to assets | 9.5564% | 4,724 |
| Core capital (leverage) ratio | 9.5562% | 4,299 |
| Tier 1 risk-based capital ratio | 12.6288% | 5,078 |
| Total risk-based capital ratio | 13.8914% | 4,985 |
| Memoranda: | ||
| Average total assets | $272,712,000 | 2,355 |
| Average earning assets | $249,304,250 | 2,361 |
| Average equity | $25,017,250 | 2,671 |
| Average total loans | $198,652,750 | 2,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 4,166 |
| Cost of funding earning assets | 0.6594% | 1,441 |
| Net interest margin | 3.2323% | 4,835 |
| Noninterest income to average assets | -0.2304% | 6,630 |
| Noninterest expense to average assets | 2.7249% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0036% | 6,184 |
| Return on assets (ROA) | -0.0029% | 6,211 |
| Pretax return on assets | -0.0029% | 6,198 |
| Return on Equity (ROE) | -0.0322% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.0322% | 5,688 |
| Net charge-offs to loans | -0.6161% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8664% | 407 |
| Assets per employee ($millions) | 5.5232% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8934% | 436 |
| Loan loss allowance to noncurrent loans | 59.0959% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 7.2152% | 172 |
| Noncurrent loans to loans | 4.8961% | 415 |
| Net loans and leases to total assets | 72.9543% | 1,583 |
| Net loans and leases to deposits | 81.8056% | 2,272 |
| Net loans and leases to core deposits | 83.6130% | 2,781 |
| Total domestic deposits to total assets | 89.1800% | 1,263 |
| Equity capital to assets | 9.3246% | 4,956 |
| Core capital (leverage) ratio | 9.2157% | 4,713 |
| Tier 1 risk-based capital ratio | 12.0883% | 5,487 |
| Total risk-based capital ratio | 13.3287% | 5,424 |
| Memoranda: | ||
| Average total assets | $274,359,670 | 2,339 |
| Average earning assets | $251,155,330 | 2,345 |
| Average equity | $24,826,670 | 2,679 |
| Average total loans | $199,309,000 | 2,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 4,064 |
| Cost of funding earning assets | 0.6697% | 1,442 |
| Net interest margin | 3.2356% | 4,795 |
| Noninterest income to average assets | -0.5373% | 6,717 |
| Noninterest expense to average assets | 2.8369% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4286% | 6,442 |
| Return on assets (ROA) | -0.4286% | 6,445 |
| Pretax return on assets | -0.4286% | 6,435 |
| Return on Equity (ROE) | -4.8087% | 6,460 |
| Retained earnings to average equity (ytd only) | -4.8087% | 6,109 |
| Net charge-offs to loans | -1.4597% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7992% | 192 |
| Assets per employee ($millions) | 5.7418% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9967% | 437 |
| Loan loss allowance to noncurrent loans | 57.8480% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 8.2628% | 159 |
| Noncurrent loans to loans | 5.1804% | 414 |
| Net loans and leases to total assets | 68.9046% | 2,070 |
| Net loans and leases to deposits | 78.2455% | 2,517 |
| Net loans and leases to core deposits | 80.0417% | 2,958 |
| Total domestic deposits to total assets | 88.0621% | 2,204 |
| Equity capital to assets | 8.7607% | 5,378 |
| Core capital (leverage) ratio | 9.0034% | 5,005 |
| Tier 1 risk-based capital ratio | 12.0786% | 5,589 |
| Total risk-based capital ratio | 13.3493% | 5,508 |
| Memoranda: | ||
| Average total assets | $276,220,500 | 2,329 |
| Average earning assets | $251,452,000 | 2,345 |
| Average equity | $24,622,000 | 2,678 |
| Average total loans | $197,301,000 | 2,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 3,172 |
| Cost of funding earning assets | 0.7619% | 1,428 |
| Net interest margin | 3.4831% | 3,974 |
| Noninterest income to average assets | -0.1467% | 6,741 |
| Noninterest expense to average assets | 2.6995% | 4,093 |
| Loan and lease loss provision to assets | 0.0506% | 4,124 |
| Net operating income to assets | 0.2356% | 5,733 |
| Return on assets (ROA) | 0.2363% | 5,792 |
| Pretax return on assets | 0.2363% | 5,874 |
| Return on Equity (ROE) | 2.6484% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.6484% | 4,364 |
| Net charge-offs to loans | 0.3658% | 1,854 |
| Credit loss provision to net charge-offs | 19.5531% | 4,452 |
| Earnings coverage of net charge-offs (x) | 1.1061% | 4,704 |
| Efficiency ratio | 90.4139% | 988 |
| Assets per employee ($millions) | 5.5325% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7055% | 663 |
| Loan loss allowance to noncurrent loans | 49.9763% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 9.1739% | 148 |
| Noncurrent loans to loans | 5.4136% | 428 |
| Net loans and leases to total assets | 69.8957% | 2,027 |
| Net loans and leases to deposits | 79.7279% | 2,491 |
| Net loans and leases to core deposits | 81.1160% | 2,995 |
| Total domestic deposits to total assets | 87.6677% | 2,384 |
| Equity capital to assets | 9.0729% | 4,948 |
| Core capital (leverage) ratio | 9.3859% | 4,428 |
| Tier 1 risk-based capital ratio | 12.3532% | 5,392 |
| Total risk-based capital ratio | 13.6158% | 5,310 |
| Memoranda: | ||
| Average total assets | $276,714,400 | 2,300 |
| Average earning assets | $248,858,800 | 2,339 |
| Average equity | $24,694,200 | 2,653 |
| Average total loans | $195,709,000 | 2,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,901 |
| Cost of funding earning assets | 0.7908% | 1,378 |
| Net interest margin | 3.5306% | 3,755 |
| Noninterest income to average assets | -0.0187% | 6,773 |
| Noninterest expense to average assets | 2.9704% | 3,077 |
| Loan and lease loss provision to assets | 0.0479% | 4,055 |
| Net operating income to assets | 0.1328% | 6,073 |
| Return on assets (ROA) | 0.1400% | 6,124 |
| Pretax return on assets | 0.1400% | 6,158 |
| Return on Equity (ROE) | 1.5750% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.5750% | 5,342 |
| Net charge-offs to loans | 0.1443% | 3,100 |
| Credit loss provision to net charge-offs | 47.1698% | 3,574 |
| Earnings coverage of net charge-offs (x) | 1.7783% | 4,243 |
| Efficiency ratio | 94.2644% | 724 |
| Assets per employee ($millions) | 5.4493% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9948% | 556 |
| Loan loss allowance to noncurrent loans | 46.4737% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 10.2914% | 129 |
| Noncurrent loans to loans | 6.4440% | 359 |
| Net loans and leases to total assets | 69.5459% | 2,038 |
| Net loans and leases to deposits | 80.2337% | 2,379 |
| Net loans and leases to core deposits | 82.1144% | 2,861 |
| Total domestic deposits to total assets | 86.6792% | 2,869 |
| Equity capital to assets | 9.0747% | 5,090 |
| Core capital (leverage) ratio | 9.2571% | 4,742 |
| Tier 1 risk-based capital ratio | 12.1417% | 5,687 |
| Total risk-based capital ratio | 13.4113% | 5,613 |
| Memoranda: | ||
| Average total assets | $278,119,500 | 2,292 |
| Average earning assets | $249,693,250 | 2,339 |
| Average equity | $24,718,750 | 2,674 |
| Average total loans | $195,948,250 | 2,042 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 2,710 |
| Cost of funding earning assets | 0.8358% | 1,226 |
| Net interest margin | 3.5253% | 3,677 |
| Noninterest income to average assets | -0.0305% | 6,829 |
| Noninterest expense to average assets | 2.6528% | 4,208 |
| Loan and lease loss provision to assets | 0.0710% | 3,612 |
| Net operating income to assets | 0.4066% | 5,191 |
| Return on assets (ROA) | 0.4173% | 5,309 |
| Pretax return on assets | 0.4173% | 5,600 |
| Return on Equity (ROE) | 4.7264% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.7264% | 3,245 |
| Net charge-offs to loans | -0.0658% | 6,363 |
| Credit loss provision to net charge-offs | -153.8462% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7427% | 1,554 |
| Assets per employee ($millions) | 5.6562% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0729% | 537 |
| Loan loss allowance to noncurrent loans | 83.2064% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 8.6837% | 209 |
| Noncurrent loans to loans | 3.6931% | 1,109 |
| Net loans and leases to total assets | 68.3998% | 2,168 |
| Net loans and leases to deposits | 79.1932% | 2,436 |
| Net loans and leases to core deposits | 81.0861% | 2,903 |
| Total domestic deposits to total assets | 86.3707% | 3,173 |
| Equity capital to assets | 8.8709% | 5,368 |
| Core capital (leverage) ratio | 9.1542% | 4,751 |
| Tier 1 risk-based capital ratio | 12.2690% | 5,644 |
| Total risk-based capital ratio | 13.5402% | 5,577 |
| Memoranda: | ||
| Average total assets | $281,820,000 | 2,283 |
| Average earning assets | $252,689,000 | 2,324 |
| Average equity | $24,881,330 | 2,673 |
| Average total loans | $197,453,330 | 2,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,608 |
| Cost of funding earning assets | 0.9251% | 876 |
| Net interest margin | 3.4506% | 3,908 |
| Noninterest income to average assets | -0.0450% | 6,899 |
| Noninterest expense to average assets | 2.6436% | 4,265 |
| Loan and lease loss provision to assets | 0.1408% | 2,482 |
| Net operating income to assets | 0.2632% | 5,687 |
| Return on assets (ROA) | 0.2829% | 5,741 |
| Pretax return on assets | 0.2829% | 5,894 |
| Return on Equity (ROE) | 3.2123% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.2123% | 4,325 |
| Net charge-offs to loans | 0.2661% | 1,892 |
| Credit loss provision to net charge-offs | 75.7576% | 2,218 |
| Earnings coverage of net charge-offs (x) | 2.1742% | 3,110 |
| Efficiency ratio | 86.7436% | 1,432 |
| Assets per employee ($millions) | 6.1487% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9353% | 702 |
| Loan loss allowance to noncurrent loans | 117.2922% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 7.7849% | 326 |
| Noncurrent loans to loans | 2.5025% | 2,065 |
| Net loans and leases to total assets | 67.9629% | 2,016 |
| Net loans and leases to deposits | 77.2850% | 2,451 |
| Net loans and leases to core deposits | 79.2329% | 2,899 |
| Total domestic deposits to total assets | 87.9381% | 2,357 |
| Equity capital to assets | 8.8523% | 5,662 |
| Core capital (leverage) ratio | 8.7334% | 5,284 |
| Tier 1 risk-based capital ratio | 11.8935% | 5,979 |
| Total risk-based capital ratio | 13.1173% | 5,962 |
| Memoranda: | ||
| Average total assets | $284,153,500 | 2,294 |
| Average earning assets | $254,682,500 | 2,333 |
| Average equity | $25,029,000 | 2,702 |
| Average total loans | $198,389,000 | 2,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 2,773 |
| Cost of funding earning assets | 1.4812% | 179 |
| Net interest margin | 3.1754% | 5,630 |
| Noninterest income to average assets | 0.0915% | 6,537 |
| Noninterest expense to average assets | 2.9454% | 3,486 |
| Loan and lease loss provision to assets | 0.1169% | 4,165 |
| Net operating income to assets | -0.1385% | 6,324 |
| Return on assets (ROA) | 0.0230% | 6,277 |
| Pretax return on assets | 0.1145% | 6,132 |
| Return on Equity (ROE) | 0.2741% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.2741% | 5,719 |
| Net charge-offs to loans | 1.1410% | 912 |
| Credit loss provision to net charge-offs | 14.4928% | 5,351 |
| Earnings coverage of net charge-offs (x) | -0.0261% | 5,497 |
| Efficiency ratio | 100.7194% | 535 |
| Assets per employee ($millions) | 6.3437% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9411% | 700 |
| Loan loss allowance to noncurrent loans | 114.0265% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 8.5565% | 308 |
| Noncurrent loans to loans | 2.5793% | 2,052 |
| Net loans and leases to total assets | 67.5713% | 2,267 |
| Net loans and leases to deposits | 76.5524% | 2,711 |
| Net loans and leases to core deposits | 78.6760% | 3,170 |
| Total domestic deposits to total assets | 88.2680% | 2,050 |
| Equity capital to assets | 8.7646% | 5,777 |
| Core capital (leverage) ratio | 8.6005% | 5,462 |
| Tier 1 risk-based capital ratio | 11.8177% | 5,896 |
| Total risk-based capital ratio | 13.0876% | 5,846 |
| Memoranda: | ||
| Average total assets | $299,449,400 | 2,142 |
| Average earning assets | $267,143,400 | 2,179 |
| Average equity | $25,170,400 | 2,640 |
| Average total loans | $211,651,400 | 1,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,926 |
| Cost of funding earning assets | 1.5935% | 130 |
| Net interest margin | 3.0760% | 5,993 |
| Noninterest income to average assets | 0.0004% | 6,934 |
| Noninterest expense to average assets | 2.6187% | 4,679 |
| Loan and lease loss provision to assets | 0.1540% | 3,601 |
| Net operating income to assets | -0.0694% | 6,370 |
| Return on assets (ROA) | 0.0700% | 6,316 |
| Pretax return on assets | 0.1906% | 6,142 |
| Return on Equity (ROE) | 0.8410% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.8410% | 5,828 |
| Net charge-offs to loans | 1.2788% | 747 |
| Credit loss provision to net charge-offs | 16.9820% | 4,996 |
| Earnings coverage of net charge-offs (x) | 0.1397% | 5,264 |
| Efficiency ratio | 95.3831% | 699 |
| Assets per employee ($millions) | 6.1016% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0356% | 690 |
| Loan loss allowance to noncurrent loans | 49.4254% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 12.0385% | 163 |
| Noncurrent loans to loans | 6.1418% | 651 |
| Net loans and leases to total assets | 67.5439% | 2,359 |
| Net loans and leases to deposits | 76.5750% | 2,900 |
| Net loans and leases to core deposits | 81.1972% | 3,061 |
| Total domestic deposits to total assets | 88.2063% | 1,916 |
| Equity capital to assets | 8.6170% | 6,166 |
| Core capital (leverage) ratio | 8.3597% | 5,935 |
| Tier 1 risk-based capital ratio | 11.4314% | 6,265 |
| Total risk-based capital ratio | 12.5015% | 6,348 |
| Memoranda: | ||
| Average total assets | $302,945,250 | 2,136 |
| Average earning assets | $270,342,000 | 2,182 |
| Average equity | $25,208,000 | 2,660 |
| Average total loans | $214,879,750 | 1,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 3,009 |
| Cost of funding earning assets | 1.6552% | 121 |
| Net interest margin | 3.0248% | 6,192 |
| Noninterest income to average assets | 0.0986% | 6,681 |
| Noninterest expense to average assets | 2.5772% | 4,853 |
| Loan and lease loss provision to assets | 0.2285% | 2,791 |
| Net operating income to assets | -0.0033% | 6,321 |
| Return on assets (ROA) | 0.3199% | 5,749 |
| Pretax return on assets | 0.3199% | 5,924 |
| Return on Equity (ROE) | 3.8891% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.8891% | 4,030 |
| Net charge-offs to loans | 1.7547% | 508 |
| Credit loss provision to net charge-offs | 18.2577% | 4,636 |
| Earnings coverage of net charge-offs (x) | 0.1800% | 4,982 |
| Efficiency ratio | 91.9618% | 931 |
| Assets per employee ($millions) | 6.5926% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0668% | 732 |
| Loan loss allowance to noncurrent loans | 84.8554% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 10.5344% | 235 |
| Noncurrent loans to loans | 3.6142% | 1,586 |
| Net loans and leases to total assets | 67.5152% | 2,369 |
| Net loans and leases to deposits | 76.5080% | 2,914 |
| Net loans and leases to core deposits | 82.4391% | 2,910 |
| Total domestic deposits to total assets | 88.2460% | 1,991 |
| Equity capital to assets | 8.5625% | 6,149 |
| Core capital (leverage) ratio | 8.4091% | 5,777 |
| Tier 1 risk-based capital ratio | 11.4236% | 6,263 |
| Total risk-based capital ratio | 12.6787% | 6,235 |
| Memoranda: | ||
| Average total assets | $306,301,670 | 2,118 |
| Average earning assets | $273,805,670 | 2,164 |
| Average equity | $25,198,330 | 2,649 |
| Average total loans | $218,502,000 | 1,867 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 3,179 |
| Cost of funding earning assets | 1.7281% | 114 |
| Net interest margin | 2.9394% | 6,411 |
| Noninterest income to average assets | 0.0720% | 6,851 |
| Noninterest expense to average assets | 2.4132% | 5,427 |
| Loan and lease loss provision to assets | 0.1929% | 3,020 |
| Net operating income to assets | 0.1054% | 6,229 |
| Return on assets (ROA) | 0.3998% | 5,442 |
| Pretax return on assets | 0.3998% | 5,726 |
| Return on Equity (ROE) | 4.9569% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.9569% | 3,580 |
| Net charge-offs to loans | 1.2190% | 841 |
| Credit loss provision to net charge-offs | 21.9298% | 3,747 |
| Earnings coverage of net charge-offs (x) | 0.3392% | 4,195 |
| Efficiency ratio | 88.9995% | 1,177 |
| Assets per employee ($millions) | 6.9443% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3665% | 589 |
| Loan loss allowance to noncurrent loans | 48.0506% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 12.3250% | 193 |
| Noncurrent loans to loans | 7.0062% | 636 |
| Net loans and leases to total assets | 69.2361% | 1,902 |
| Net loans and leases to deposits | 81.1436% | 2,039 |
| Net loans and leases to core deposits | 87.1595% | 2,157 |
| Total domestic deposits to total assets | 85.3255% | 3,870 |
| Equity capital to assets | 8.2824% | 6,283 |
| Core capital (leverage) ratio | 8.0066% | 6,254 |
| Tier 1 risk-based capital ratio | 10.8323% | 6,608 |
| Total risk-based capital ratio | 12.1068% | 6,586 |
| Memoranda: | ||
| Average total assets | $311,120,000 | 2,092 |
| Average earning assets | $279,376,000 | 2,136 |
| Average equity | $25,096,500 | 2,649 |
| Average total loans | $224,437,500 | 1,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 4,401 |
| Cost of funding earning assets | 1.9488% | 117 |
| Net interest margin | 2.7152% | 6,908 |
| Noninterest income to average assets | 0.0256% | 6,922 |
| Noninterest expense to average assets | 2.3299% | 5,976 |
| Loan and lease loss provision to assets | 1.0497% | 881 |
| Net operating income to assets | -2.4301% | 7,104 |
| Return on assets (ROA) | -2.2009% | 7,075 |
| Pretax return on assets | -0.6488% | 6,574 |
| Return on Equity (ROE) | -26.5961% | 7,064 |
| Retained earnings to average equity (ytd only) | -26.5961% | 7,054 |
| Net charge-offs to loans | 1.4556% | 1,115 |
| Credit loss provision to net charge-offs | 100.0805% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.1637% | 5,715 |
| Efficiency ratio | 93.1360% | 972 |
| Assets per employee ($millions) | 7.7241% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4372% | 555 |
| Loan loss allowance to noncurrent loans | 48.5683% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 11.1715% | 257 |
| Noncurrent loans to loans | 7.0771% | 622 |
| Net loans and leases to total assets | 70.1159% | 2,011 |
| Net loans and leases to deposits | 84.7225% | 1,839 |
| Net loans and leases to core deposits | 91.9119% | 1,895 |
| Total domestic deposits to total assets | 82.7595% | 4,859 |
| Equity capital to assets | 7.8582% | 6,655 |
| Core capital (leverage) ratio | 7.6287% | 6,581 |
| Tier 1 risk-based capital ratio | 10.2676% | 6,777 |
| Total risk-based capital ratio | 11.5434% | 6,751 |
| Memoranda: | ||
| Average total assets | $355,256,200 | 1,825 |
| Average earning assets | $323,948,200 | 1,824 |
| Average equity | $29,399,000 | 2,236 |
| Average total loans | $255,980,200 | 1,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 4,696 |
| Cost of funding earning assets | 2.0052% | 121 |
| Net interest margin | 2.6367% | 7,046 |
| Noninterest income to average assets | 0.0267% | 7,027 |
| Noninterest expense to average assets | 2.3542% | 5,896 |
| Loan and lease loss provision to assets | 1.2971% | 579 |
| Net operating income to assets | -3.0791% | 7,273 |
| Return on assets (ROA) | -2.7817% | 7,259 |
| Pretax return on assets | -0.9182% | 6,842 |
| Return on Equity (ROE) | -33.2503% | 7,221 |
| Retained earnings to average equity (ytd only) | -33.2503% | 7,214 |
| Net charge-offs to loans | 1.6300% | 861 |
| Credit loss provision to net charge-offs | 110.6264% | 2,981 |
| Earnings coverage of net charge-offs (x) | 0.0695% | 5,551 |
| Efficiency ratio | 96.6547% | 784 |
| Assets per employee ($millions) | 7.5329% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3436% | 635 |
| Loan loss allowance to noncurrent loans | 38.5717% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 10.9522% | 295 |
| Noncurrent loans to loans | 8.6685% | 480 |
| Net loans and leases to total assets | 70.2874% | 2,024 |
| Net loans and leases to deposits | 83.8150% | 2,030 |
| Net loans and leases to core deposits | 90.6473% | 2,170 |
| Total domestic deposits to total assets | 83.8602% | 4,296 |
| Equity capital to assets | 7.3969% | 6,954 |
| Core capital (leverage) ratio | 6.9927% | 6,961 |
| Tier 1 risk-based capital ratio | 9.6345% | 7,032 |
| Total risk-based capital ratio | 10.9093% | 7,028 |
| Memoranda: | ||
| Average total assets | $364,897,750 | 1,784 |
| Average earning assets | $333,392,500 | 1,790 |
| Average equity | $30,527,250 | 2,167 |
| Average total loans | $262,486,750 | 1,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 4,753 |
| Cost of funding earning assets | 1.9979% | 146 |
| Net interest margin | 2.6531% | 7,078 |
| Noninterest income to average assets | 0.0348% | 7,101 |
| Noninterest expense to average assets | 2.2466% | 6,253 |
| Loan and lease loss provision to assets | 0.3480% | 2,697 |
| Net operating income to assets | -0.0958% | 6,344 |
| Return on assets (ROA) | -0.0605% | 6,365 |
| Pretax return on assets | -0.0883% | 6,354 |
| Return on Equity (ROE) | -0.6987% | 6,370 |
| Retained earnings to average equity (ytd only) | -0.6987% | 5,997 |
| Net charge-offs to loans | 1.0074% | 1,559 |
| Credit loss provision to net charge-offs | 48.1838% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.2876% | 5,093 |
| Efficiency ratio | 91.5358% | 1,127 |
| Assets per employee ($millions) | 7.7665% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8550% | 1,028 |
| Loan loss allowance to noncurrent loans | 43.7572% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 9.1182% | 461 |
| Noncurrent loans to loans | 6.5247% | 849 |
| Net loans and leases to total assets | 67.1331% | 2,801 |
| Net loans and leases to deposits | 80.8836% | 2,628 |
| Net loans and leases to core deposits | 90.9879% | 2,257 |
| Total domestic deposits to total assets | 82.9996% | 4,756 |
| Equity capital to assets | 8.9410% | 5,662 |
| Core capital (leverage) ratio | 7.6152% | 6,656 |
| Tier 1 risk-based capital ratio | 9.9721% | 6,984 |
| Total risk-based capital ratio | 11.2301% | 6,985 |
| Memoranda: | ||
| Average total assets | $373,536,670 | 1,754 |
| Average earning assets | $340,657,000 | 1,756 |
| Average equity | $32,345,000 | 2,041 |
| Average total loans | $267,814,670 | 1,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 4,534 |
| Cost of funding earning assets | 1.9926% | 173 |
| Net interest margin | 2.7051% | 7,014 |
| Noninterest income to average assets | 0.0339% | 7,206 |
| Noninterest expense to average assets | 2.5093% | 5,520 |
| Loan and lease loss provision to assets | 0.4235% | 2,074 |
| Net operating income to assets | -0.2827% | 6,640 |
| Return on assets (ROA) | -0.2827% | 6,656 |
| Pretax return on assets | -0.4267% | 6,710 |
| Return on Equity (ROE) | -3.3169% | 6,692 |
| Retained earnings to average equity (ytd only) | -3.3169% | 6,336 |
| Net charge-offs to loans | 0.1626% | 3,508 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | -0.0268% | 4,600 |
| Efficiency ratio | 100.1267% | 739 |
| Assets per employee ($millions) | 7.5411% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0005% | 917 |
| Loan loss allowance to noncurrent loans | 66.9583% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 7.5575% | 662 |
| Noncurrent loans to loans | 4.4812% | 1,562 |
| Net loans and leases to total assets | 71.6424% | 1,789 |
| Net loans and leases to deposits | 89.1953% | 1,331 |
| Net loans and leases to core deposits | 102.7383% | 1,146 |
| Total domestic deposits to total assets | 80.3207% | 5,862 |
| Equity capital to assets | 8.6949% | 5,664 |
| Core capital (leverage) ratio | 7.2641% | 6,883 |
| Tier 1 risk-based capital ratio | 9.3250% | 7,183 |
| Total risk-based capital ratio | 10.5882% | 7,186 |
| Memoranda: | ||
| Average total assets | $377,791,500 | 1,743 |
| Average earning assets | $345,273,000 | 1,743 |
| Average equity | $32,199,000 | 2,032 |
| Average total loans | $275,594,000 | 1,588 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 5,070 |
| Cost of funding earning assets | 2.2886% | 220 |
| Net interest margin | 2.6042% | 7,202 |
| Noninterest income to average assets | -0.1544% | 7,441 |
| Noninterest expense to average assets | 2.1795% | 6,668 |
| Loan and lease loss provision to assets | 1.3088% | 1,171 |
| Net operating income to assets | -0.8294% | 6,591 |
| Return on assets (ROA) | -0.7837% | 6,595 |
| Pretax return on assets | -1.2042% | 6,741 |
| Return on Equity (ROE) | -9.4470% | 6,707 |
| Retained earnings to average equity (ytd only) | -9.4470% | 6,636 |
| Net charge-offs to loans | 1.9523% | 1,045 |
| Credit loss provision to net charge-offs | 90.4370% | 5,114 |
| Earnings coverage of net charge-offs (x) | 0.0237% | 6,102 |
| Efficiency ratio | 98.4509% | 856 |
| Assets per employee ($millions) | 8.2142% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8393% | 1,010 |
| Loan loss allowance to noncurrent loans | 63.8516% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 7.4472% | 703 |
| Noncurrent loans to loans | 4.4468% | 1,599 |
| Net loans and leases to total assets | 70.0314% | 2,529 |
| Net loans and leases to deposits | 86.1725% | 2,062 |
| Net loans and leases to core deposits | 96.6073% | 1,933 |
| Total domestic deposits to total assets | 81.2688% | 5,430 |
| Equity capital to assets | 8.3584% | 6,061 |
| Core capital (leverage) ratio | 6.9638% | 7,042 |
| Tier 1 risk-based capital ratio | 9.1725% | 7,207 |
| Total risk-based capital ratio | 10.4414% | 7,207 |
| Memoranda: | ||
| Average total assets | $411,141,000 | 1,608 |
| Average earning assets | $373,891,400 | 1,611 |
| Average equity | $34,106,200 | 1,939 |
| Average total loans | $304,761,600 | 1,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 4,964 |
| Cost of funding earning assets | 2.3624% | 218 |
| Net interest margin | 2.6044% | 7,313 |
| Noninterest income to average assets | -0.1073% | 7,545 |
| Noninterest expense to average assets | 2.0469% | 6,966 |
| Loan and lease loss provision to assets | 1.5342% | 859 |
| Net operating income to assets | -0.9049% | 6,843 |
| Return on assets (ROA) | -0.8519% | 6,857 |
| Pretax return on assets | -1.2454% | 6,953 |
| Return on Equity (ROE) | -10.2875% | 6,941 |
| Retained earnings to average equity (ytd only) | -10.2875% | 6,892 |
| Net charge-offs to loans | 1.8695% | 1,028 |
| Credit loss provision to net charge-offs | 110.0092% | 3,857 |
| Earnings coverage of net charge-offs (x) | 0.1512% | 5,871 |
| Efficiency ratio | 90.6621% | 1,234 |
| Assets per employee ($millions) | 8.7235% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0171% | 811 |
| Loan loss allowance to noncurrent loans | 62.5053% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 8.4440% | 572 |
| Noncurrent loans to loans | 4.8270% | 1,457 |
| Net loans and leases to total assets | 71.3480% | 2,395 |
| Net loans and leases to deposits | 87.3310% | 2,106 |
| Net loans and leases to core deposits | 104.7041% | 1,425 |
| Total domestic deposits to total assets | 81.6984% | 5,120 |
| Equity capital to assets | 8.2588% | 6,554 |
| Core capital (leverage) ratio | 6.8928% | 7,214 |
| Tier 1 risk-based capital ratio | 9.0742% | 7,349 |
| Total risk-based capital ratio | 10.3447% | 7,361 |
| Memoranda: | ||
| Average total assets | $417,409,500 | 1,616 |
| Average earning assets | $379,044,750 | 1,609 |
| Average equity | $34,565,500 | 1,942 |
| Average total loans | $311,384,750 | 1,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 5,297 |
| Cost of funding earning assets | 2.4134% | 228 |
| Net interest margin | 2.5094% | 7,414 |
| Noninterest income to average assets | -0.1145% | 7,637 |
| Noninterest expense to average assets | 2.0374% | 7,036 |
| Loan and lease loss provision to assets | 1.2881% | 1,073 |
| Net operating income to assets | -0.7730% | 6,848 |
| Return on assets (ROA) | -0.7730% | 6,864 |
| Pretax return on assets | -1.1642% | 6,962 |
| Return on Equity (ROE) | -9.3264% | 6,942 |
| Retained earnings to average equity (ytd only) | -9.3264% | 6,884 |
| Net charge-offs to loans | 2.1226% | 855 |
| Credit loss provision to net charge-offs | 80.9935% | 4,683 |
| Earnings coverage of net charge-offs (x) | 0.0779% | 5,645 |
| Efficiency ratio | 94.2657% | 1,053 |
| Assets per employee ($millions) | 9.2504% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5484% | 1,242 |
| Loan loss allowance to noncurrent loans | 53.0304% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 8.1844% | 595 |
| Noncurrent loans to loans | 4.8056% | 1,475 |
| Net loans and leases to total assets | 70.3743% | 2,822 |
| Net loans and leases to deposits | 86.0765% | 2,492 |
| Net loans and leases to core deposits | 112.8843% | 982 |
| Total domestic deposits to total assets | 81.7578% | 5,086 |
| Equity capital to assets | 8.0744% | 6,678 |
| Core capital (leverage) ratio | 7.2130% | 7,061 |
| Tier 1 risk-based capital ratio | 9.0424% | 7,403 |
| Total risk-based capital ratio | 10.3057% | 7,407 |
| Memoranda: | ||
| Average total assets | $422,785,670 | 1,615 |
| Average earning assets | $383,441,670 | 1,616 |
| Average equity | $35,040,330 | 1,908 |
| Average total loans | $316,775,330 | 1,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0355% | 4,855 |
| Cost of funding earning assets | 2.4753% | 242 |
| Net interest margin | 2.5602% | 7,420 |
| Noninterest income to average assets | 0.0361% | 7,528 |
| Noninterest expense to average assets | 1.9354% | 7,276 |
| Loan and lease loss provision to assets | 0.7593% | 1,671 |
| Net operating income to assets | -0.2306% | 6,580 |
| Return on assets (ROA) | -0.2306% | 6,649 |
| Pretax return on assets | -0.3398% | 6,676 |
| Return on Equity (ROE) | -2.7472% | 6,718 |
| Retained earnings to average equity (ytd only) | -2.7472% | 6,328 |
| Net charge-offs to loans | 0.1132% | 4,305 |
| Credit loss provision to net charge-offs | 879.1209% | 530 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,526 |
| Efficiency ratio | 82.1846% | 2,254 |
| Assets per employee ($millions) | 8.8275% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9037% | 897 |
| Loan loss allowance to noncurrent loans | 50.8955% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 9.3876% | 450 |
| Noncurrent loans to loans | 5.7053% | 1,191 |
| Net loans and leases to total assets | 72.4374% | 2,347 |
| Net loans and leases to deposits | 89.0561% | 2,054 |
| Net loans and leases to core deposits | 121.9936% | 707 |
| Total domestic deposits to total assets | 81.3390% | 5,333 |
| Equity capital to assets | 8.4329% | 6,100 |
| Core capital (leverage) ratio | 7.7968% | 6,510 |
| Tier 1 risk-based capital ratio | 9.5154% | 7,300 |
| Total risk-based capital ratio | 10.7830% | 7,282 |
| Memoranda: | ||
| Average total assets | $421,419,000 | 1,654 |
| Average earning assets | $381,689,000 | 1,663 |
| Average equity | $35,381,500 | 1,904 |
| Average total loans | $321,519,500 | 1,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 6,473 |
| Cost of funding earning assets | 2.9588% | 256 |
| Net interest margin | 2.0292% | 7,731 |
| Noninterest income to average assets | -0.2398% | 7,875 |
| Noninterest expense to average assets | 1.9028% | 7,504 |
| Loan and lease loss provision to assets | 2.6812% | 706 |
| Net operating income to assets | -1.8137% | 7,019 |
| Return on assets (ROA) | -1.8137% | 7,013 |
| Pretax return on assets | -2.9290% | 7,272 |
| Return on Equity (ROE) | -20.3269% | 7,150 |
| Retained earnings to average equity (ytd only) | -22.5620% | 7,193 |
| Net charge-offs to loans | 2.6961% | 837 |
| Credit loss provision to net charge-offs | 125.8974% | 4,148 |
| Earnings coverage of net charge-offs (x) | -0.1163% | 6,350 |
| Efficiency ratio | 114.9685% | 687 |
| Assets per employee ($millions) | 9.7470% | 280 |
| Cash dividends to net income (ytd only)* | -10.9957% | 7,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5908% | 1,125 |
| Loan loss allowance to noncurrent loans | 36.8277% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 10.6380% | 329 |
| Noncurrent loans to loans | 7.0349% | 794 |
| Net loans and leases to total assets | 75.9830% | 1,802 |
| Net loans and leases to deposits | 93.9496% | 1,600 |
| Net loans and leases to core deposits | 144.9142% | 643 |
| Total domestic deposits to total assets | 80.8763% | 5,385 |
| Equity capital to assets | 8.3582% | 6,116 |
| Core capital (leverage) ratio | 7.5122% | 6,774 |
| Tier 1 risk-based capital ratio | 9.4403% | 7,263 |
| Total risk-based capital ratio | 10.7045% | 7,234 |
| Memoranda: | ||
| Average total assets | $451,286,800 | 1,534 |
| Average earning assets | $421,393,200 | 1,499 |
| Average equity | $40,266,800 | 1,658 |
| Average total loans | $356,475,200 | 1,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 6,563 |
| Cost of funding earning assets | 3.0353% | 298 |
| Net interest margin | 1.9781% | 7,825 |
| Noninterest income to average assets | -0.3045% | 8,015 |
| Noninterest expense to average assets | 1.4879% | 7,892 |
| Loan and lease loss provision to assets | 2.2293% | 771 |
| Net operating income to assets | -1.4267% | 7,074 |
| Return on assets (ROA) | -1.4267% | 7,068 |
| Pretax return on assets | -2.1617% | 7,235 |
| Return on Equity (ROE) | -15.7620% | 7,225 |
| Retained earnings to average equity (ytd only) | -18.6482% | 7,293 |
| Net charge-offs to loans | 1.0007% | 1,970 |
| Credit loss provision to net charge-offs | 281.2157% | 1,498 |
| Earnings coverage of net charge-offs (x) | 0.0853% | 5,963 |
| Efficiency ratio | 95.6522% | 1,293 |
| Assets per employee ($millions) | 10.4508% | 239 |
| Cash dividends to net income (ytd only)* | -18.3113% | 7,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0948% | 618 |
| Loan loss allowance to noncurrent loans | 38.4412% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 9.6781% | 367 |
| Noncurrent loans to loans | 8.0506% | 602 |
| Net loans and leases to total assets | 74.4286% | 2,401 |
| Net loans and leases to deposits | 91.0200% | 2,390 |
| Net loans and leases to core deposits | 120.4183% | 2,212 |
| Total domestic deposits to total assets | 81.7717% | 4,782 |
| Equity capital to assets | 8.3434% | 6,452 |
| Core capital (leverage) ratio | 7.6611% | 6,783 |
| Tier 1 risk-based capital ratio | 9.6215% | 7,295 |
| Total risk-based capital ratio | 10.8930% | 7,240 |
| Memoranda: | ||
| Average total assets | $459,328,750 | 1,517 |
| Average earning assets | $431,925,500 | 1,478 |
| Average equity | $41,575,750 | 1,627 |
| Average total loans | $363,861,750 | 1,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 6,512 |
| Cost of funding earning assets | 3.1069% | 342 |
| Net interest margin | 1.9727% | 7,877 |
| Noninterest income to average assets | -0.0614% | 8,016 |
| Noninterest expense to average assets | 1.4391% | 7,998 |
| Loan and lease loss provision to assets | 3.1274% | 481 |
| Net operating income to assets | -1.7136% | 7,330 |
| Return on assets (ROA) | -1.7136% | 7,327 |
| Pretax return on assets | -2.7637% | 7,495 |
| Return on Equity (ROE) | -18.4497% | 7,465 |
| Retained earnings to average equity (ytd only) | -21.2636% | 7,494 |
| Net charge-offs to loans | 1.2814% | 1,446 |
| Credit loss provision to net charge-offs | 305.0127% | 1,521 |
| Earnings coverage of net charge-offs (x) | 0.3547% | 5,329 |
| Efficiency ratio | 79.8260% | 3,065 |
| Assets per employee ($millions) | 10.5538% | 230 |
| Cash dividends to net income (ytd only)* | -15.2517% | 7,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9286% | 599 |
| Loan loss allowance to noncurrent loans | 69.4716% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 5.0351% | 1,048 |
| Noncurrent loans to loans | 4.2155% | 1,564 |
| Net loans and leases to total assets | 78.9343% | 1,540 |
| Net loans and leases to deposits | 96.1486% | 1,774 |
| Net loans and leases to core deposits | 159.2739% | 465 |
| Total domestic deposits to total assets | 82.0962% | 4,648 |
| Equity capital to assets | 8.7179% | 5,731 |
| Core capital (leverage) ratio | 8.0352% | 6,262 |
| Tier 1 risk-based capital ratio | 9.3644% | 7,499 |
| Total risk-based capital ratio | 10.6324% | 7,461 |
| Memoranda: | ||
| Average total assets | $459,160,330 | 1,544 |
| Average earning assets | $433,931,670 | 1,487 |
| Average equity | $42,645,670 | 1,600 |
| Average total loans | $367,423,000 | 1,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0373% | 6,838 |
| Cost of funding earning assets | 3.1148% | 442 |
| Net interest margin | 1.9225% | 7,933 |
| Noninterest income to average assets | 0.0346% | 7,904 |
| Noninterest expense to average assets | 1.3832% | 8,046 |
| Loan and lease loss provision to assets | 0.0780% | 5,979 |
| Net operating income to assets | 0.2209% | 5,600 |
| Return on assets (ROA) | 0.2209% | 5,758 |
| Pretax return on assets | 0.3932% | 5,416 |
| Return on Equity (ROE) | 2.3084% | 5,659 |
| Retained earnings to average equity (ytd only) | -0.4074% | 5,746 |
| Net charge-offs to loans | -0.0295% | 7,549 |
| Credit loss provision to net charge-offs | -333.3333% | 6,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5913% | 3,719 |
| Assets per employee ($millions) | 10.4966% | 234 |
| Cash dividends to net income (ytd only)* | 117.6471% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 2,375 |
| Loan loss allowance to noncurrent loans | 70.9895% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 3.4520% | 1,564 |
| Noncurrent loans to loans | 2.3059% | 2,852 |
| Net loans and leases to total assets | 79.3388% | 1,510 |
| Net loans and leases to deposits | 98.0564% | 1,660 |
| Net loans and leases to core deposits | 130.0414% | 1,657 |
| Total domestic deposits to total assets | 80.9114% | 5,008 |
| Equity capital to assets | 9.5520% | 4,605 |
| Core capital (leverage) ratio | 9.2598% | 4,305 |
| Tier 1 risk-based capital ratio | 10.4415% | 6,456 |
| Total risk-based capital ratio | 11.6942% | 6,363 |
| Memoranda: | ||
| Average total assets | $461,833,500 | 1,547 |
| Average earning assets | $437,143,000 | 1,486 |
| Average equity | $44,187,000 | 1,547 |
| Average total loans | $366,623,500 | 1,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7311% | 6,675 |
| Cost of funding earning assets | 3.4373% | 630 |
| Net interest margin | 2.2937% | 7,913 |
| Noninterest income to average assets | -0.0852% | 8,196 |
| Noninterest expense to average assets | 1.5524% | 8,010 |
| Loan and lease loss provision to assets | 1.8174% | 695 |
| Net operating income to assets | -0.7792% | 7,122 |
| Return on assets (ROA) | -0.7311% | 6,991 |
| Pretax return on assets | -1.1796% | 7,108 |
| Return on Equity (ROE) | -7.2651% | 7,068 |
| Retained earnings to average equity (ytd only) | -8.9974% | 6,968 |
| Net charge-offs to loans | 1.9426% | 563 |
| Credit loss provision to net charge-offs | 117.2501% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.3630% | 6,015 |
| Efficiency ratio | 73.3979% | 3,679 |
| Assets per employee ($millions) | 11.2638% | 194 |
| Cash dividends to net income (ytd only)* | -23.8450% | 7,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 2,034 |
| Loan loss allowance to noncurrent loans | 133.1775% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 2.2323% | 2,186 |
| Noncurrent loans to loans | 1.2450% | 4,026 |
| Net loans and leases to total assets | 76.8143% | 2,425 |
| Net loans and leases to deposits | 95.9836% | 2,454 |
| Net loans and leases to core deposits | 123.4608% | 2,366 |
| Total domestic deposits to total assets | 80.0286% | 5,006 |
| Equity capital to assets | 9.5835% | 4,568 |
| Core capital (leverage) ratio | 9.4351% | 4,110 |
| Tier 1 risk-based capital ratio | 11.2289% | 5,511 |
| Total risk-based capital ratio | 12.4825% | 5,388 |
| Memoranda: | ||
| Average total assets | $458,898,200 | 1,492 |
| Average earning assets | $440,197,800 | 1,418 |
| Average equity | $46,179,800 | 1,475 |
| Average total loans | $366,158,600 | 1,325 |