Home > Grand Bank & Trust of Florida > Performance and Condition Ratios
Grand Bank & Trust of Florida, Performance and Condition Ratios
| 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 | 3.6767% | 4,481 |
| Cost of funding earning assets | 0.3585% | 3,721 |
| Net interest margin | 3.3183% | 4,221 |
| Noninterest income to average assets | 0.2360% | 5,269 |
| Noninterest expense to average assets | 3.3192% | 1,646 |
| Loan and lease loss provision to assets | -1.4838% | 6,338 |
| Net operating income to assets | 1.3775% | 1,136 |
| Return on assets (ROA) | 1.5411% | 878 |
| Pretax return on assets | 1.5411% | 1,521 |
| Return on Equity (ROE) | 15.0376% | 723 |
| Retained earnings to average equity (ytd only) | 15.0376% | 186 |
| Net charge-offs to loans | -0.9328% | 6,265 |
| Credit loss provision to net charge-offs | 281.2834% | 966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3070% | 264 |
| Assets per employee ($millions) | 5.9091% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 596 |
| Loan loss allowance to noncurrent loans | 438.9718% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 3.4541% | 423 |
| Noncurrent loans to loans | 0.5352% | 3,850 |
| Net loans and leases to total assets | 50.3229% | 4,904 |
| Net loans and leases to deposits | 56.7373% | 5,079 |
| Net loans and leases to core deposits | 57.8646% | 5,209 |
| Total domestic deposits to total assets | 88.6946% | 1,300 |
| Equity capital to assets | 10.1547% | 3,859 |
| Core capital (leverage) ratio | 10.4963% | 2,957 |
| Tier 1 risk-based capital ratio | 16.1680% | 2,777 |
| Total risk-based capital ratio | 17.4272% | 2,721 |
| Memoranda: | ||
| Average total assets | $212,702,670 | 2,857 |
| Average earning assets | $190,821,330 | 2,928 |
| Average equity | $21,798,670 | 3,020 |
| Average total loans | $120,288,330 | 3,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,151 |
| Cost of funding earning assets | 0.3584% | 3,769 |
| Net interest margin | 3.4065% | 3,819 |
| Noninterest income to average assets | 0.3948% | 4,050 |
| Noninterest expense to average assets | 3.5473% | 1,217 |
| Loan and lease loss provision to assets | -1.9110% | 6,409 |
| Net operating income to assets | 1.8042% | 480 |
| Return on assets (ROA) | 2.1360% | 278 |
| Pretax return on assets | 2.1360% | 446 |
| Return on Equity (ROE) | 20.7436% | 239 |
| Retained earnings to average equity (ytd only) | 20.7436% | 89 |
| Net charge-offs to loans | -0.0903% | 5,815 |
| Credit loss provision to net charge-offs | 3,578.5714% | 107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1042% | 283 |
| Assets per employee ($millions) | 5.1637% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 786 |
| Loan loss allowance to noncurrent loans | 233.9130% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 4.1165% | 362 |
| Noncurrent loans to loans | 0.9488% | 2,877 |
| Net loans and leases to total assets | 55.9796% | 4,203 |
| Net loans and leases to deposits | 63.1423% | 4,469 |
| Net loans and leases to core deposits | 64.3334% | 4,666 |
| Total domestic deposits to total assets | 88.6562% | 1,471 |
| Equity capital to assets | 10.4543% | 3,580 |
| Core capital (leverage) ratio | 10.7143% | 2,735 |
| Tier 1 risk-based capital ratio | 15.0436% | 3,408 |
| Total risk-based capital ratio | 16.3013% | 3,331 |
| Memoranda: | ||
| Average total assets | $209,735,000 | 2,912 |
| Average earning assets | $187,525,500 | 2,968 |
| Average equity | $21,597,000 | 3,064 |
| Average total loans | $124,096,500 | 3,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 3,049 |
| Cost of funding earning assets | 0.3741% | 3,990 |
| Net interest margin | 3.7948% | 2,640 |
| Noninterest income to average assets | 0.3017% | 4,955 |
| Noninterest expense to average assets | 3.6247% | 1,259 |
| Loan and lease loss provision to assets | -0.4246% | 6,430 |
| Net operating income to assets | 0.4810% | 4,887 |
| Return on assets (ROA) | 0.4993% | 4,904 |
| Pretax return on assets | 0.4993% | 5,255 |
| Return on Equity (ROE) | 5.1658% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.1658% | 2,488 |
| Net charge-offs to loans | -0.2222% | 6,279 |
| Credit loss provision to net charge-offs | 313.1488% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4704% | 410 |
| Assets per employee ($millions) | 4.7218% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8853% | 338 |
| Loan loss allowance to noncurrent loans | 336.4555% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 4.4922% | 345 |
| Noncurrent loans to loans | 0.8576% | 3,171 |
| Net loans and leases to total assets | 59.3592% | 3,867 |
| Net loans and leases to deposits | 66.8158% | 4,234 |
| Net loans and leases to core deposits | 67.9097% | 4,515 |
| Total domestic deposits to total assets | 88.8400% | 1,328 |
| Equity capital to assets | 10.1372% | 3,937 |
| Core capital (leverage) ratio | 10.2344% | 3,269 |
| Tier 1 risk-based capital ratio | 14.1381% | 4,009 |
| Total risk-based capital ratio | 15.4034% | 3,920 |
| Memoranda: | ||
| Average total assets | $213,118,600 | 2,851 |
| Average earning assets | $189,786,400 | 2,905 |
| Average equity | $20,597,000 | 3,091 |
| Average total loans | $130,075,800 | 2,865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,808 |
| Cost of funding earning assets | 0.3756% | 4,067 |
| Net interest margin | 3.8737% | 2,338 |
| Noninterest income to average assets | 0.2599% | 5,353 |
| Noninterest expense to average assets | 3.6761% | 1,158 |
| Loan and lease loss provision to assets | -0.5614% | 6,541 |
| Net operating income to assets | 0.5950% | 4,463 |
| Return on assets (ROA) | 0.6192% | 4,448 |
| Pretax return on assets | 0.6192% | 4,967 |
| Return on Equity (ROE) | 6.4839% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.4839% | 2,114 |
| Net charge-offs to loans | -0.2680% | 6,368 |
| Credit loss provision to net charge-offs | 343.3460% | 818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0950% | 402 |
| Assets per employee ($millions) | 4.7189% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 418 |
| Loan loss allowance to noncurrent loans | 167.0491% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 4.4059% | 423 |
| Noncurrent loans to loans | 1.7079% | 1,907 |
| Net loans and leases to total assets | 59.6924% | 3,845 |
| Net loans and leases to deposits | 67.2180% | 4,220 |
| Net loans and leases to core deposits | 68.3185% | 4,479 |
| Total domestic deposits to total assets | 88.8042% | 1,351 |
| Equity capital to assets | 10.0958% | 4,055 |
| Core capital (leverage) ratio | 10.1152% | 3,512 |
| Tier 1 risk-based capital ratio | 14.0426% | 4,181 |
| Total risk-based capital ratio | 15.3068% | 4,112 |
| Memoranda: | ||
| Average total assets | $214,458,500 | 2,858 |
| Average earning assets | $190,994,000 | 2,926 |
| Average equity | $20,481,000 | 3,118 |
| Average total loans | $130,847,750 | 2,856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,037 |
| Cost of funding earning assets | 0.3773% | 4,141 |
| Net interest margin | 3.5479% | 3,582 |
| Noninterest income to average assets | 0.2861% | 5,136 |
| Noninterest expense to average assets | 3.6958% | 1,145 |
| Loan and lease loss provision to assets | -0.8314% | 6,625 |
| Net operating income to assets | 0.5804% | 4,450 |
| Return on assets (ROA) | 0.6164% | 4,370 |
| Pretax return on assets | 0.6164% | 4,904 |
| Return on Equity (ROE) | 6.5746% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.5746% | 1,995 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2864% | 270 |
| Assets per employee ($millions) | 4.6070% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5968% | 617 |
| Loan loss allowance to noncurrent loans | 277.4220% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 4.2289% | 480 |
| Noncurrent loans to loans | 0.9360% | 3,373 |
| Net loans and leases to total assets | 59.8067% | 3,752 |
| Net loans and leases to deposits | 67.4272% | 4,119 |
| Net loans and leases to core deposits | 68.5086% | 4,411 |
| Total domestic deposits to total assets | 88.6981% | 1,535 |
| Equity capital to assets | 9.7829% | 4,382 |
| Core capital (leverage) ratio | 9.7030% | 4,036 |
| Tier 1 risk-based capital ratio | 13.5489% | 4,552 |
| Total risk-based capital ratio | 14.8108% | 4,482 |
| Memoranda: | ||
| Average total assets | $216,734,330 | 2,850 |
| Average earning assets | $192,959,670 | 2,914 |
| Average equity | $20,320,670 | 3,136 |
| Average total loans | $131,937,000 | 2,837 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 4,248 |
| Cost of funding earning assets | 0.3837% | 4,153 |
| Net interest margin | 3.4758% | 3,801 |
| Noninterest income to average assets | -0.0566% | 6,653 |
| Noninterest expense to average assets | 3.7583% | 1,042 |
| Loan and lease loss provision to assets | -1.6428% | 6,717 |
| Net operating income to assets | 0.9200% | 2,549 |
| Return on assets (ROA) | 0.9200% | 2,625 |
| Pretax return on assets | 0.9200% | 3,624 |
| Return on Equity (ROE) | 10.0224% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.0224% | 956 |
| Net charge-offs to loans | -0.1265% | 6,213 |
| Credit loss provision to net charge-offs | 2,142.8571% | 164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8124% | 153 |
| Assets per employee ($millions) | 4.9434% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5919% | 721 |
| Loan loss allowance to noncurrent loans | 267.5528% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 4.1119% | 561 |
| Noncurrent loans to loans | 0.9687% | 3,486 |
| Net loans and leases to total assets | 57.8132% | 3,868 |
| Net loans and leases to deposits | 64.6954% | 4,242 |
| Net loans and leases to core deposits | 65.3805% | 4,563 |
| Total domestic deposits to total assets | 89.3622% | 1,439 |
| Equity capital to assets | 9.2079% | 4,868 |
| Core capital (leverage) ratio | 9.3231% | 4,535 |
| Tier 1 risk-based capital ratio | 13.2630% | 4,850 |
| Total risk-based capital ratio | 14.5248% | 4,773 |
| Memoranda: | ||
| Average total assets | $219,141,000 | 2,839 |
| Average earning assets | $194,945,500 | 2,905 |
| Average equity | $20,115,000 | 3,165 |
| Average total loans | $132,844,500 | 2,836 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,705 |
| Cost of funding earning assets | 0.5181% | 3,416 |
| Net interest margin | 3.5902% | 3,504 |
| Noninterest income to average assets | 1.1163% | 1,127 |
| Noninterest expense to average assets | 3.8755% | 1,024 |
| Loan and lease loss provision to assets | 0.0026% | 5,054 |
| Net operating income to assets | 0.5060% | 4,706 |
| Return on assets (ROA) | 0.5060% | 4,838 |
| Pretax return on assets | 0.4698% | 5,296 |
| Return on Equity (ROE) | 6.3808% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.3808% | 1,753 |
| Net charge-offs to loans | 0.5377% | 1,231 |
| Credit loss provision to net charge-offs | 0.7177% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.3110% | 4,624 |
| Efficiency ratio | 89.1356% | 1,098 |
| Assets per employee ($millions) | 4.6920% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2021% | 369 |
| Loan loss allowance to noncurrent loans | 260.0243% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 4.5489% | 545 |
| Noncurrent loans to loans | 1.2315% | 3,082 |
| Net loans and leases to total assets | 59.9455% | 3,732 |
| Net loans and leases to deposits | 67.1959% | 4,161 |
| Net loans and leases to core deposits | 68.0237% | 4,512 |
| Total domestic deposits to total assets | 89.2101% | 1,485 |
| Equity capital to assets | 9.1493% | 4,869 |
| Core capital (leverage) ratio | 9.1940% | 4,730 |
| Tier 1 risk-based capital ratio | 12.9847% | 4,981 |
| Total risk-based capital ratio | 14.2536% | 4,924 |
| Memoranda: | ||
| Average total assets | $232,022,200 | 2,702 |
| Average earning assets | $208,848,800 | 2,735 |
| Average equity | $18,399,000 | 3,351 |
| Average total loans | $155,491,400 | 2,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,685 |
| Cost of funding earning assets | 0.5536% | 3,229 |
| Net interest margin | 3.5657% | 3,594 |
| Noninterest income to average assets | 1.2442% | 949 |
| Noninterest expense to average assets | 3.9027% | 965 |
| Loan and lease loss provision to assets | 0.0017% | 4,921 |
| Net operating income to assets | 0.5190% | 4,723 |
| Return on assets (ROA) | 0.5190% | 4,875 |
| Pretax return on assets | 0.5558% | 5,184 |
| Return on Equity (ROE) | 6.7839% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.7839% | 1,981 |
| Net charge-offs to loans | 0.8375% | 699 |
| Credit loss provision to net charge-offs | 0.2967% | 4,340 |
| Earnings coverage of net charge-offs (x) | 0.9763% | 4,520 |
| Efficiency ratio | 87.5016% | 1,213 |
| Assets per employee ($millions) | 4.7449% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8878% | 625 |
| Loan loss allowance to noncurrent loans | 147.6602% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 5.0319% | 550 |
| Noncurrent loans to loans | 1.9557% | 2,302 |
| Net loans and leases to total assets | 63.2001% | 3,128 |
| Net loans and leases to deposits | 71.0782% | 3,632 |
| Net loans and leases to core deposits | 71.9460% | 4,100 |
| Total domestic deposits to total assets | 88.9163% | 1,605 |
| Equity capital to assets | 9.0348% | 5,149 |
| Core capital (leverage) ratio | 8.8888% | 5,273 |
| Tier 1 risk-based capital ratio | 12.2620% | 5,595 |
| Total risk-based capital ratio | 13.5276% | 5,525 |
| Memoranda: | ||
| Average total assets | $236,070,000 | 2,674 |
| Average earning assets | $212,911,750 | 2,707 |
| Average equity | $18,062,000 | 3,447 |
| Average total loans | $160,949,000 | 2,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,748 |
| Cost of funding earning assets | 0.6111% | 2,836 |
| Net interest margin | 3.4855% | 3,836 |
| Noninterest income to average assets | 0.9909% | 1,554 |
| Noninterest expense to average assets | 3.8413% | 1,047 |
| Loan and lease loss provision to assets | 0.0017% | 4,762 |
| Net operating income to assets | 0.2479% | 5,782 |
| Return on assets (ROA) | 0.2479% | 5,908 |
| Pretax return on assets | 0.3016% | 5,878 |
| Return on Equity (ROE) | 3.4267% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.4267% | 4,140 |
| Net charge-offs to loans | 1.1169% | 533 |
| Credit loss provision to net charge-offs | 0.2141% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3929% | 4,405 |
| Efficiency ratio | 92.6820% | 844 |
| Assets per employee ($millions) | 4.3790% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6707% | 815 |
| Loan loss allowance to noncurrent loans | 66.7519% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 6.2799% | 421 |
| Noncurrent loans to loans | 4.0009% | 974 |
| Net loans and leases to total assets | 68.1777% | 2,198 |
| Net loans and leases to deposits | 76.4463% | 2,814 |
| Net loans and leases to core deposits | 78.0635% | 3,276 |
| Total domestic deposits to total assets | 89.1838% | 1,516 |
| Equity capital to assets | 8.4843% | 5,778 |
| Core capital (leverage) ratio | 7.9669% | 6,210 |
| Tier 1 risk-based capital ratio | 10.9865% | 6,338 |
| Total risk-based capital ratio | 12.2507% | 6,309 |
| Memoranda: | ||
| Average total assets | $242,004,330 | 2,635 |
| Average earning assets | $218,964,670 | 2,650 |
| Average equity | $17,509,330 | 3,551 |
| Average total loans | $167,249,670 | 2,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 4,093 |
| Cost of funding earning assets | 0.6270% | 2,862 |
| Net interest margin | 3.3802% | 4,191 |
| Noninterest income to average assets | 1.1220% | 1,186 |
| Noninterest expense to average assets | 3.7145% | 1,223 |
| Loan and lease loss provision to assets | 0.0016% | 4,399 |
| Net operating income to assets | 0.4249% | 5,027 |
| Return on assets (ROA) | 0.4249% | 5,179 |
| Pretax return on assets | 0.4774% | 5,332 |
| Return on Equity (ROE) | 6.3609% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.3609% | 2,478 |
| Net charge-offs to loans | 0.5004% | 1,206 |
| Credit loss provision to net charge-offs | 0.4630% | 3,237 |
| Earnings coverage of net charge-offs (x) | 1.3935% | 3,369 |
| Efficiency ratio | 88.5769% | 1,267 |
| Assets per employee ($millions) | 4.8426% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8956% | 735 |
| Loan loss allowance to noncurrent loans | 52.2747% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 6.6298% | 445 |
| Noncurrent loans to loans | 5.5392% | 646 |
| Net loans and leases to total assets | 66.4669% | 2,290 |
| Net loans and leases to deposits | 77.2241% | 2,461 |
| Net loans and leases to core deposits | 78.7504% | 2,964 |
| Total domestic deposits to total assets | 86.0702% | 3,493 |
| Equity capital to assets | 6.8412% | 6,741 |
| Core capital (leverage) ratio | 6.8243% | 6,690 |
| Tier 1 risk-based capital ratio | 9.1453% | 6,799 |
| Total risk-based capital ratio | 10.4125% | 6,790 |
| Memoranda: | ||
| Average total assets | $251,341,000 | 2,566 |
| Average earning assets | $228,390,000 | 2,582 |
| Average equity | $16,790,000 | 3,700 |
| Average total loans | $172,654,500 | 2,295 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 5,061 |
| Cost of funding earning assets | 0.6688% | 3,751 |
| Net interest margin | 3.3997% | 4,883 |
| Noninterest income to average assets | 0.6868% | 2,790 |
| Noninterest expense to average assets | 3.5708% | 1,677 |
| Loan and lease loss provision to assets | 0.0581% | 5,049 |
| Net operating income to assets | 0.1678% | 5,846 |
| Return on assets (ROA) | 0.1760% | 6,003 |
| Pretax return on assets | 0.1702% | 6,035 |
| Return on Equity (ROE) | 3.1317% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.1317% | 4,036 |
| Net charge-offs to loans | 1.0732% | 994 |
| Credit loss provision to net charge-offs | 7.8704% | 5,417 |
| Earnings coverage of net charge-offs (x) | 0.2981% | 5,330 |
| Efficiency ratio | 94.1951% | 790 |
| Assets per employee ($millions) | 5.0139% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8992% | 736 |
| Loan loss allowance to noncurrent loans | 53.7895% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 6.6181% | 494 |
| Noncurrent loans to loans | 5.3898% | 694 |
| Net loans and leases to total assets | 66.9310% | 2,377 |
| Net loans and leases to deposits | 76.2583% | 2,762 |
| Net loans and leases to core deposits | 77.9515% | 3,263 |
| Total domestic deposits to total assets | 87.7689% | 2,366 |
| Equity capital to assets | 6.5246% | 6,844 |
| Core capital (leverage) ratio | 6.3709% | 6,815 |
| Tier 1 risk-based capital ratio | 8.6108% | 6,884 |
| Total risk-based capital ratio | 9.8783% | 6,886 |
| Memoranda: | ||
| Average total assets | $292,648,400 | 2,185 |
| Average earning assets | $267,198,400 | 2,178 |
| Average equity | $16,445,000 | 3,715 |
| Average total loans | $201,260,800 | 1,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 5,157 |
| Cost of funding earning assets | 0.6780% | 3,952 |
| Net interest margin | 3.4297% | 4,928 |
| Noninterest income to average assets | 0.7407% | 2,527 |
| Noninterest expense to average assets | 3.6494% | 1,459 |
| Loan and lease loss provision to assets | 0.0733% | 4,749 |
| Net operating income to assets | 0.1815% | 5,961 |
| Return on assets (ROA) | 0.1815% | 6,116 |
| Pretax return on assets | 0.1524% | 6,199 |
| Return on Equity (ROE) | 3.3444% | 5,555 |
| Retained earnings to average equity (ytd only) | 3.3444% | 4,516 |
| Net charge-offs to loans | 1.2214% | 796 |
| Credit loss provision to net charge-offs | 8.7322% | 5,095 |
| Earnings coverage of net charge-offs (x) | 0.2688% | 5,194 |
| Efficiency ratio | 94.1760% | 763 |
| Assets per employee ($millions) | 5.4515% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9555% | 755 |
| Loan loss allowance to noncurrent loans | 46.4462% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 7.3470% | 465 |
| Noncurrent loans to loans | 6.3632% | 611 |
| Net loans and leases to total assets | 67.3222% | 2,400 |
| Net loans and leases to deposits | 77.7316% | 2,700 |
| Net loans and leases to core deposits | 79.8249% | 3,229 |
| Total domestic deposits to total assets | 86.6085% | 2,918 |
| Equity capital to assets | 6.3667% | 6,960 |
| Core capital (leverage) ratio | 5.4890% | 6,980 |
| Tier 1 risk-based capital ratio | 8.1765% | 6,983 |
| Total risk-based capital ratio | 9.4439% | 6,985 |
| Memoranda: | ||
| Average total assets | $301,883,500 | 2,146 |
| Average earning assets | $275,892,750 | 2,151 |
| Average equity | $16,385,250 | 3,754 |
| Average total loans | $207,511,500 | 1,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 5,665 |
| Cost of funding earning assets | 0.6625% | 4,345 |
| Net interest margin | 3.3286% | 5,352 |
| Noninterest income to average assets | 0.7244% | 2,536 |
| Noninterest expense to average assets | 3.5453% | 1,685 |
| Loan and lease loss provision to assets | 0.0990% | 4,294 |
| Net operating income to assets | 0.1611% | 6,020 |
| Return on assets (ROA) | 0.1611% | 6,191 |
| Pretax return on assets | 0.1269% | 6,270 |
| Return on Equity (ROE) | 3.1178% | 5,644 |
| Retained earnings to average equity (ytd only) | 3.1178% | 4,554 |
| Net charge-offs to loans | 0.7642% | 1,440 |
| Credit loss provision to net charge-offs | 18.8862% | 4,623 |
| Earnings coverage of net charge-offs (x) | 0.4310% | 4,861 |
| Efficiency ratio | 94.0118% | 801 |
| Assets per employee ($millions) | 5.0579% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1073% | 712 |
| Loan loss allowance to noncurrent loans | 51.0601% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 6.5463% | 627 |
| Noncurrent loans to loans | 6.0857% | 717 |
| Net loans and leases to total assets | 66.0686% | 2,655 |
| Net loans and leases to deposits | 74.5064% | 3,209 |
| Net loans and leases to core deposits | 75.8980% | 3,775 |
| Total domestic deposits to total assets | 88.6750% | 1,724 |
| Equity capital to assets | 5.4315% | 7,071 |
| Core capital (leverage) ratio | 5.2421% | 7,051 |
| Tier 1 risk-based capital ratio | 7.2266% | 7,084 |
| Total risk-based capital ratio | 8.4962% | 7,083 |
| Memoranda: | ||
| Average total assets | $315,287,000 | 2,058 |
| Average earning assets | $288,592,000 | 2,069 |
| Average equity | $16,293,670 | 3,759 |
| Average total loans | $216,172,330 | 1,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 5,531 |
| Cost of funding earning assets | 0.6712% | 4,527 |
| Net interest margin | 3.4066% | 5,094 |
| Noninterest income to average assets | 0.7522% | 2,387 |
| Noninterest expense to average assets | 3.6563% | 1,456 |
| Loan and lease loss provision to assets | 0.1793% | 3,176 |
| Net operating income to assets | 0.0772% | 6,282 |
| Return on assets (ROA) | 0.0772% | 6,399 |
| Pretax return on assets | 0.0324% | 6,479 |
| Return on Equity (ROE) | 1.5310% | 6,216 |
| Retained earnings to average equity (ytd only) | 1.5310% | 5,474 |
| Net charge-offs to loans | 0.7500% | 1,360 |
| Credit loss provision to net charge-offs | 34.7826% | 3,539 |
| Earnings coverage of net charge-offs (x) | 0.4106% | 4,149 |
| Efficiency ratio | 94.5267% | 793 |
| Assets per employee ($millions) | 5.2244% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1797% | 698 |
| Loan loss allowance to noncurrent loans | 42.1970% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 7.1384% | 588 |
| Noncurrent loans to loans | 7.5354% | 554 |
| Net loans and leases to total assets | 65.2586% | 2,608 |
| Net loans and leases to deposits | 73.5682% | 3,188 |
| Net loans and leases to core deposits | 74.8732% | 3,767 |
| Total domestic deposits to total assets | 88.7049% | 1,884 |
| Equity capital to assets | 5.1022% | 7,134 |
| Core capital (leverage) ratio | 5.1033% | 7,113 |
| Tier 1 risk-based capital ratio | 6.9405% | 7,137 |
| Total risk-based capital ratio | 8.2115% | 7,139 |
| Memoranda: | ||
| Average total assets | $321,195,000 | 2,021 |
| Average earning assets | $293,786,500 | 2,026 |
| Average equity | $16,199,000 | 3,781 |
| Average total loans | $220,794,000 | 1,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 6,258 |
| Cost of funding earning assets | 0.9944% | 3,419 |
| Net interest margin | 3.1191% | 6,298 |
| Noninterest income to average assets | 0.2506% | 5,740 |
| Noninterest expense to average assets | 3.2952% | 2,540 |
| Loan and lease loss provision to assets | 2.2739% | 222 |
| Net operating income to assets | -2.4824% | 7,113 |
| Return on assets (ROA) | -2.4043% | 7,109 |
| Pretax return on assets | -2.3855% | 7,103 |
| Return on Equity (ROE) | -45.7631% | 7,188 |
| Retained earnings to average equity (ytd only) | -45.7631% | 7,185 |
| Net charge-offs to loans | 3.7472% | 184 |
| Credit loss provision to net charge-offs | 90.5203% | 3,984 |
| Earnings coverage of net charge-offs (x) | -0.0755% | 5,885 |
| Efficiency ratio | 106.1089% | 517 |
| Assets per employee ($millions) | 4.3744% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1307% | 725 |
| Loan loss allowance to noncurrent loans | 42.7042% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 7.4630% | 593 |
| Noncurrent loans to loans | 7.3311% | 589 |
| Net loans and leases to total assets | 67.8669% | 2,427 |
| Net loans and leases to deposits | 76.8637% | 3,031 |
| Net loans and leases to core deposits | 78.5964% | 3,616 |
| Total domestic deposits to total assets | 88.2952% | 1,972 |
| Equity capital to assets | 4.9854% | 7,169 |
| Core capital (leverage) ratio | 4.9419% | 7,153 |
| Tier 1 risk-based capital ratio | 6.6138% | 7,175 |
| Total risk-based capital ratio | 7.8844% | 7,176 |
| Memoranda: | ||
| Average total assets | $377,943,000 | 1,719 |
| Average earning assets | $345,928,000 | 1,717 |
| Average equity | $19,856,600 | 3,177 |
| Average total loans | $253,363,600 | 1,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 6,395 |
| Cost of funding earning assets | 1.0777% | 3,126 |
| Net interest margin | 3.0306% | 6,521 |
| Noninterest income to average assets | 0.1076% | 6,716 |
| Noninterest expense to average assets | 3.2745% | 2,576 |
| Loan and lease loss provision to assets | 2.7824% | 132 |
| Net operating income to assets | -3.1229% | 7,280 |
| Return on assets (ROA) | -3.1216% | 7,288 |
| Pretax return on assets | -3.1754% | 7,286 |
| Return on Equity (ROE) | -58.7938% | 7,317 |
| Retained earnings to average equity (ytd only) | -58.7938% | 7,314 |
| Net charge-offs to loans | 3.9588% | 173 |
| Credit loss provision to net charge-offs | 105.8290% | 3,130 |
| Earnings coverage of net charge-offs (x) | -0.1500% | 5,694 |
| Efficiency ratio | 113.6928% | 378 |
| Assets per employee ($millions) | 4.4645% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5899% | 526 |
| Loan loss allowance to noncurrent loans | 47.7752% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 7.8484% | 569 |
| Noncurrent loans to loans | 7.5141% | 624 |
| Net loans and leases to total assets | 67.7748% | 2,525 |
| Net loans and leases to deposits | 76.0925% | 3,316 |
| Net loans and leases to core deposits | 78.2422% | 3,864 |
| Total domestic deposits to total assets | 89.0689% | 1,393 |
| Equity capital to assets | 4.8994% | 7,271 |
| Core capital (leverage) ratio | 4.4898% | 7,276 |
| Tier 1 risk-based capital ratio | 6.4185% | 7,276 |
| Total risk-based capital ratio | 7.6951% | 7,276 |
| Memoranda: | ||
| Average total assets | $391,502,750 | 1,668 |
| Average earning assets | $358,158,750 | 1,657 |
| Average equity | $20,786,250 | 3,039 |
| Average total loans | $260,007,500 | 1,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 6,549 |
| Cost of funding earning assets | 1.1816% | 2,699 |
| Net interest margin | 2.8834% | 6,823 |
| Noninterest income to average assets | -0.0132% | 7,212 |
| Noninterest expense to average assets | 3.1594% | 3,051 |
| Loan and lease loss provision to assets | 2.0873% | 286 |
| Net operating income to assets | -2.5960% | 7,273 |
| Return on assets (ROA) | -2.5941% | 7,278 |
| Pretax return on assets | -2.6214% | 7,267 |
| Return on Equity (ROE) | -47.8544% | 7,339 |
| Retained earnings to average equity (ytd only) | -47.8544% | 7,336 |
| Net charge-offs to loans | 2.9700% | 349 |
| Credit loss provision to net charge-offs | 107.5320% | 2,864 |
| Earnings coverage of net charge-offs (x) | -0.2762% | 5,440 |
| Efficiency ratio | 120.4347% | 342 |
| Assets per employee ($millions) | 4.8491% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2899% | 710 |
| Loan loss allowance to noncurrent loans | 51.4410% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 8.4440% | 521 |
| Noncurrent loans to loans | 6.3956% | 889 |
| Net loans and leases to total assets | 66.2043% | 2,990 |
| Net loans and leases to deposits | 74.5244% | 3,714 |
| Net loans and leases to core deposits | 78.4916% | 3,995 |
| Total domestic deposits to total assets | 88.8357% | 1,643 |
| Equity capital to assets | 5.4478% | 7,295 |
| Core capital (leverage) ratio | 5.1253% | 7,290 |
| Tier 1 risk-based capital ratio | 7.2003% | 7,300 |
| Total risk-based capital ratio | 8.4720% | 7,299 |
| Memoranda: | ||
| Average total assets | $410,392,330 | 1,602 |
| Average earning assets | $375,245,330 | 1,602 |
| Average equity | $22,246,670 | 2,848 |
| Average total loans | $268,215,670 | 1,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 6,748 |
| Cost of funding earning assets | 1.2093% | 2,756 |
| Net interest margin | 2.7572% | 6,966 |
| Noninterest income to average assets | -0.2624% | 7,446 |
| Noninterest expense to average assets | 2.9444% | 3,874 |
| Loan and lease loss provision to assets | 2.7460% | 181 |
| Net operating income to assets | -3.5101% | 7,428 |
| Return on assets (ROA) | -3.5064% | 7,432 |
| Pretax return on assets | -3.4118% | 7,408 |
| Return on Equity (ROE) | -64.8222% | 7,457 |
| Retained earnings to average equity (ytd only) | -64.8222% | 7,448 |
| Net charge-offs to loans | 4.2885% | 201 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -0.2438% | 4,715 |
| Efficiency ratio | 129.4333% | 264 |
| Assets per employee ($millions) | 5.0789% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9761% | 936 |
| Loan loss allowance to noncurrent loans | 43.8524% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 7.6496% | 641 |
| Noncurrent loans to loans | 6.7866% | 838 |
| Net loans and leases to total assets | 63.3966% | 3,561 |
| Net loans and leases to deposits | 72.7525% | 3,955 |
| Net loans and leases to core deposits | 79.8988% | 3,775 |
| Total domestic deposits to total assets | 87.1400% | 2,864 |
| Equity capital to assets | 5.1914% | 7,363 |
| Core capital (leverage) ratio | 4.9663% | 7,365 |
| Tier 1 risk-based capital ratio | 7.3969% | 7,335 |
| Total risk-based capital ratio | 8.6655% | 7,338 |
| Memoranda: | ||
| Average total assets | $431,322,500 | 1,540 |
| Average earning assets | $396,929,500 | 1,533 |
| Average equity | $23,331,500 | 2,707 |
| Average total loans | $276,181,500 | 1,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 6,819 |
| Cost of funding earning assets | 1.3919% | 3,327 |
| Net interest margin | 2.8887% | 6,909 |
| Noninterest income to average assets | 0.1222% | 6,795 |
| Noninterest expense to average assets | 2.6772% | 5,093 |
| Loan and lease loss provision to assets | 3.3482% | 248 |
| Net operating income to assets | -4.1609% | 7,458 |
| Return on assets (ROA) | -4.0700% | 7,455 |
| Pretax return on assets | -3.1556% | 7,320 |
| Return on Equity (ROE) | -50.4857% | 7,426 |
| Retained earnings to average equity (ytd only) | -50.4857% | 7,422 |
| Net charge-offs to loans | 5.7381% | 109 |
| Credit loss provision to net charge-offs | 85.8198% | 5,298 |
| Earnings coverage of net charge-offs (x) | 0.0261% | 6,100 |
| Efficiency ratio | 96.3378% | 953 |
| Assets per employee ($millions) | 5.5031% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8213% | 1,026 |
| Loan loss allowance to noncurrent loans | 36.0539% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 7.2742% | 736 |
| Noncurrent loans to loans | 7.8253% | 670 |
| Net loans and leases to total assets | 61.0643% | 4,474 |
| Net loans and leases to deposits | 69.4915% | 4,882 |
| Net loans and leases to core deposits | 79.0974% | 4,337 |
| Total domestic deposits to total assets | 87.8731% | 2,326 |
| Equity capital to assets | 5.6080% | 7,390 |
| Core capital (leverage) ratio | 5.5354% | 7,360 |
| Tier 1 risk-based capital ratio | 8.3263% | 7,328 |
| Total risk-based capital ratio | 9.5937% | 7,335 |
| Memoranda: | ||
| Average total assets | $475,574,200 | 1,410 |
| Average earning assets | $437,397,800 | 1,393 |
| Average equity | $38,339,600 | 1,721 |
| Average total loans | $323,349,200 | 1,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 6,884 |
| Cost of funding earning assets | 1.4204% | 3,457 |
| Net interest margin | 2.9349% | 6,953 |
| Noninterest income to average assets | 0.0609% | 7,222 |
| Noninterest expense to average assets | 2.4122% | 5,994 |
| Loan and lease loss provision to assets | 3.5604% | 200 |
| Net operating income to assets | -1.9805% | 7,234 |
| Return on assets (ROA) | -1.9039% | 7,228 |
| Pretax return on assets | -3.0981% | 7,443 |
| Return on Equity (ROE) | -22.0454% | 7,259 |
| Retained earnings to average equity (ytd only) | -22.0454% | 7,246 |
| Net charge-offs to loans | 5.7177% | 120 |
| Credit loss provision to net charge-offs | 89.9881% | 4,765 |
| Earnings coverage of net charge-offs (x) | 0.0866% | 5,941 |
| Efficiency ratio | 87.5603% | 1,487 |
| Assets per employee ($millions) | 5.6522% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0435% | 790 |
| Loan loss allowance to noncurrent loans | 29.7744% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 7.3742% | 720 |
| Noncurrent loans to loans | 10.2220% | 400 |
| Net loans and leases to total assets | 63.2347% | 4,268 |
| Net loans and leases to deposits | 73.6315% | 4,576 |
| Net loans and leases to core deposits | 87.9888% | 3,371 |
| Total domestic deposits to total assets | 85.8799% | 3,139 |
| Equity capital to assets | 8.2694% | 6,539 |
| Core capital (leverage) ratio | 6.2360% | 7,398 |
| Tier 1 risk-based capital ratio | 9.2185% | 7,321 |
| Total risk-based capital ratio | 10.4888% | 7,329 |
| Memoranda: | ||
| Average total assets | $481,654,750 | 1,410 |
| Average earning assets | $442,122,750 | 1,393 |
| Average equity | $41,598,000 | 1,594 |
| Average total loans | $333,298,000 | 1,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 6,838 |
| Cost of funding earning assets | 1.4482% | 3,566 |
| Net interest margin | 2.9825% | 6,861 |
| Noninterest income to average assets | 0.2727% | 5,971 |
| Noninterest expense to average assets | 2.2066% | 6,632 |
| Loan and lease loss provision to assets | 3.6493% | 231 |
| Net operating income to assets | -1.7493% | 7,246 |
| Return on assets (ROA) | -1.6530% | 7,212 |
| Pretax return on assets | -2.6946% | 7,416 |
| Return on Equity (ROE) | -18.8857% | 7,253 |
| Retained earnings to average equity (ytd only) | -18.8857% | 7,228 |
| Net charge-offs to loans | 4.1963% | 295 |
| Credit loss provision to net charge-offs | 123.4258% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.2720% | 5,455 |
| Efficiency ratio | 73.2907% | 3,598 |
| Assets per employee ($millions) | 5.9870% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7189% | 464 |
| Loan loss allowance to noncurrent loans | 42.2164% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 7.1396% | 735 |
| Noncurrent loans to loans | 8.8091% | 550 |
| Net loans and leases to total assets | 64.9697% | 4,048 |
| Net loans and leases to deposits | 75.8974% | 4,355 |
| Net loans and leases to core deposits | 91.7195% | 3,024 |
| Total domestic deposits to total assets | 85.6021% | 3,312 |
| Equity capital to assets | 8.3630% | 6,339 |
| Core capital (leverage) ratio | 6.9863% | 7,201 |
| Tier 1 risk-based capital ratio | 9.6725% | 7,193 |
| Total risk-based capital ratio | 10.9502% | 7,172 |
| Memoranda: | ||
| Average total assets | $487,713,000 | 1,403 |
| Average earning assets | $447,741,670 | 1,389 |
| Average equity | $42,688,330 | 1,554 |
| Average total loans | $343,637,330 | 1,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 6,858 |
| Cost of funding earning assets | 1.4996% | 3,559 |
| Net interest margin | 2.9687% | 6,899 |
| Noninterest income to average assets | 0.2954% | 5,782 |
| Noninterest expense to average assets | 2.7961% | 4,495 |
| Loan and lease loss provision to assets | 3.2018% | 304 |
| Net operating income to assets | -1.8311% | 7,419 |
| Return on assets (ROA) | -1.8284% | 7,422 |
| Pretax return on assets | -2.9747% | 7,595 |
| Return on Equity (ROE) | -20.4303% | 7,445 |
| Retained earnings to average equity (ytd only) | -20.4303% | 7,386 |
| Net charge-offs to loans | 3.9701% | 332 |
| Credit loss provision to net charge-offs | 112.0680% | 3,093 |
| Earnings coverage of net charge-offs (x) | 0.0781% | 4,965 |
| Efficiency ratio | 92.6138% | 1,234 |
| Assets per employee ($millions) | 5.9939% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2357% | 676 |
| Loan loss allowance to noncurrent loans | 42.8710% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 6.2254% | 942 |
| Noncurrent loans to loans | 7.5474% | 752 |
| Net loans and leases to total assets | 67.2340% | 3,568 |
| Net loans and leases to deposits | 79.3039% | 3,781 |
| Net loans and leases to core deposits | 93.3294% | 2,931 |
| Total domestic deposits to total assets | 84.7802% | 3,767 |
| Equity capital to assets | 8.6659% | 5,782 |
| Core capital (leverage) ratio | 7.7668% | 6,543 |
| Tier 1 risk-based capital ratio | 10.3164% | 6,797 |
| Total risk-based capital ratio | 11.5879% | 6,774 |
| Memoranda: | ||
| Average total assets | $486,100,500 | 1,444 |
| Average earning assets | $445,992,000 | 1,424 |
| Average equity | $43,504,000 | 1,541 |
| Average total loans | $349,815,500 | 1,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 6,562 |
| Cost of funding earning assets | 1.9747% | 3,083 |
| Net interest margin | 2.9830% | 6,690 |
| Noninterest income to average assets | 0.2184% | 6,550 |
| Noninterest expense to average assets | 2.8304% | 4,831 |
| Loan and lease loss provision to assets | 2.6717% | 713 |
| Net operating income to assets | -1.5473% | 6,883 |
| Return on assets (ROA) | -1.4435% | 6,835 |
| Pretax return on assets | -2.3665% | 7,094 |
| Return on Equity (ROE) | -15.6957% | 6,969 |
| Retained earnings to average equity (ytd only) | -15.6957% | 6,919 |
| Net charge-offs to loans | 2.2642% | 1,036 |
| Credit loss provision to net charge-offs | 158.4592% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.0848% | 6,074 |
| Efficiency ratio | 95.1901% | 1,343 |
| Assets per employee ($millions) | 5.8622% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9685% | 793 |
| Loan loss allowance to noncurrent loans | 53.9207% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 5.0857% | 1,197 |
| Noncurrent loans to loans | 5.5054% | 1,172 |
| Net loans and leases to total assets | 72.2893% | 2,683 |
| Net loans and leases to deposits | 85.9338% | 2,921 |
| Net loans and leases to core deposits | 105.9960% | 3,334 |
| Total domestic deposits to total assets | 84.1220% | 3,975 |
| Equity capital to assets | 9.2397% | 4,787 |
| Core capital (leverage) ratio | 8.4650% | 5,333 |
| Tier 1 risk-based capital ratio | 10.6953% | 6,211 |
| Total risk-based capital ratio | 11.9637% | 6,171 |
| Memoranda: | ||
| Average total assets | $510,418,800 | 1,347 |
| Average earning assets | $471,407,600 | 1,336 |
| Average equity | $46,942,800 | 1,434 |
| Average total loans | $380,082,200 | 1,263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 6,584 |
| Cost of funding earning assets | 2.0669% | 3,043 |
| Net interest margin | 2.9404% | 6,749 |
| Noninterest income to average assets | 0.3550% | 5,653 |
| Noninterest expense to average assets | 2.9042% | 4,435 |
| Loan and lease loss provision to assets | 2.7202% | 582 |
| Net operating income to assets | -1.5855% | 7,151 |
| Return on assets (ROA) | -1.5106% | 7,115 |
| Pretax return on assets | -2.4300% | 7,323 |
| Return on Equity (ROE) | -16.4425% | 7,254 |
| Retained earnings to average equity (ytd only) | -16.4425% | 7,207 |
| Net charge-offs to loans | 2.4776% | 738 |
| Credit loss provision to net charge-offs | 147.4529% | 3,285 |
| Earnings coverage of net charge-offs (x) | 0.0938% | 5,948 |
| Efficiency ratio | 94.3775% | 1,380 |
| Assets per employee ($millions) | 6.1164% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5195% | 1,040 |
| Loan loss allowance to noncurrent loans | 46.6152% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 6.3701% | 803 |
| Noncurrent loans to loans | 5.4048% | 1,166 |
| Net loans and leases to total assets | 68.5923% | 3,825 |
| Net loans and leases to deposits | 81.2612% | 4,158 |
| Net loans and leases to core deposits | 101.1353% | 4,252 |
| Total domestic deposits to total assets | 84.4096% | 3,528 |
| Equity capital to assets | 9.0885% | 5,360 |
| Core capital (leverage) ratio | 8.1655% | 6,078 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,396 |
| Total risk-based capital ratio | 11.8280% | 6,344 |
| Memoranda: | ||
| Average total assets | $517,849,000 | 1,347 |
| Average earning assets | $479,426,750 | 1,335 |
| Average equity | $47,574,750 | 1,438 |
| Average total loans | $385,571,750 | 1,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 6,420 |
| Cost of funding earning assets | 2.1410% | 3,084 |
| Net interest margin | 2.9632% | 6,647 |
| Noninterest income to average assets | 0.4305% | 5,023 |
| Noninterest expense to average assets | 2.9763% | 4,175 |
| Loan and lease loss provision to assets | 3.7376% | 359 |
| Net operating income to assets | -2.1956% | 7,477 |
| Return on assets (ROA) | -2.0969% | 7,448 |
| Pretax return on assets | -3.3746% | 7,658 |
| Return on Equity (ROE) | -22.7456% | 7,581 |
| Retained earnings to average equity (ytd only) | -22.7456% | 7,538 |
| Net charge-offs to loans | 2.8054% | 586 |
| Credit loss provision to net charge-offs | 175.7986% | 2,608 |
| Earnings coverage of net charge-offs (x) | 0.0982% | 5,580 |
| Efficiency ratio | 93.4466% | 1,537 |
| Assets per employee ($millions) | 5.8474% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5949% | 829 |
| Loan loss allowance to noncurrent loans | 86.6413% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 4.6386% | 1,195 |
| Noncurrent loans to loans | 2.9950% | 2,415 |
| Net loans and leases to total assets | 71.4878% | 3,348 |
| Net loans and leases to deposits | 86.6133% | 3,438 |
| Net loans and leases to core deposits | 102.9164% | 4,191 |
| Total domestic deposits to total assets | 82.5368% | 4,456 |
| Equity capital to assets | 8.8547% | 5,521 |
| Core capital (leverage) ratio | 8.1175% | 6,128 |
| Tier 1 risk-based capital ratio | 10.0820% | 6,843 |
| Total risk-based capital ratio | 11.3456% | 6,752 |
| Memoranda: | ||
| Average total assets | $521,243,670 | 1,359 |
| Average earning assets | $484,547,330 | 1,332 |
| Average equity | $48,053,330 | 1,432 |
| Average total loans | $395,022,670 | 1,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 6,596 |
| Cost of funding earning assets | 2.2249% | 3,036 |
| Net interest margin | 2.8946% | 6,758 |
| Noninterest income to average assets | 0.5742% | 3,731 |
| Noninterest expense to average assets | 2.7367% | 4,840 |
| Loan and lease loss provision to assets | 2.7916% | 402 |
| Net operating income to assets | -1.3979% | 7,457 |
| Return on assets (ROA) | -1.2017% | 7,380 |
| Pretax return on assets | -1.9353% | 7,516 |
| Return on Equity (ROE) | -12.7875% | 7,511 |
| Retained earnings to average equity (ytd only) | -12.7875% | 7,310 |
| Net charge-offs to loans | 0.2586% | 3,111 |
| Credit loss provision to net charge-offs | 1,402.6820% | 451 |
| Earnings coverage of net charge-offs (x) | 2.7625% | 3,388 |
| Efficiency ratio | 83.2715% | 2,382 |
| Assets per employee ($millions) | 6.0523% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 1,005 |
| Loan loss allowance to noncurrent loans | 40.0498% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 4.7722% | 972 |
| Noncurrent loans to loans | 5.6311% | 892 |
| Net loans and leases to total assets | 74.0799% | 2,733 |
| Net loans and leases to deposits | 89.8214% | 2,959 |
| Net loans and leases to core deposits | 106.3064% | 3,869 |
| Total domestic deposits to total assets | 82.4747% | 4,383 |
| Equity capital to assets | 9.2165% | 5,068 |
| Core capital (leverage) ratio | 9.0961% | 4,564 |
| Tier 1 risk-based capital ratio | 11.1193% | 5,797 |
| Total risk-based capital ratio | 12.3795% | 5,701 |
| Memoranda: | ||
| Average total assets | $524,579,000 | 1,348 |
| Average earning assets | $491,530,000 | 1,321 |
| Average equity | $49,298,000 | 1,401 |
| Average total loans | $403,705,500 | 1,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2700% | 4,123 |
| Cost of funding earning assets | 2.6217% | 3,572 |
| Net interest margin | 3.6483% | 4,688 |
| Noninterest income to average assets | 0.5449% | 4,269 |
| Noninterest expense to average assets | 2.8412% | 4,638 |
| Loan and lease loss provision to assets | 1.0014% | 1,470 |
| Net operating income to assets | 0.1038% | 6,103 |
| Return on assets (ROA) | 0.1049% | 5,941 |
| Pretax return on assets | 0.1157% | 5,912 |
| Return on Equity (ROE) | 1.0512% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.0512% | 4,596 |
| Net charge-offs to loans | 1.0896% | 1,118 |
| Credit loss provision to net charge-offs | 119.1617% | 4,518 |
| Earnings coverage of net charge-offs (x) | 1.3279% | 5,463 |
| Efficiency ratio | 71.7992% | 3,974 |
| Assets per employee ($millions) | 6.0070% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 3,356 |
| Loan loss allowance to noncurrent loans | 103.4738% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6439% | 2,963 |
| Noncurrent loans to loans | 1.3254% | 3,863 |
| Net loans and leases to total assets | 77.0641% | 2,357 |
| Net loans and leases to deposits | 95.1719% | 2,585 |
| Net loans and leases to core deposits | 110.3306% | 3,743 |
| Total domestic deposits to total assets | 80.9736% | 4,650 |
| Equity capital to assets | 9.5801% | 4,574 |
| Core capital (leverage) ratio | 9.7617% | 3,697 |
| Tier 1 risk-based capital ratio | 11.1646% | 5,579 |
| Total risk-based capital ratio | 12.4148% | 5,465 |
| Memoranda: | ||
| Average total assets | $496,796,200 | 1,364 |
| Average earning assets | $464,655,800 | 1,343 |
| Average equity | $49,561,000 | 1,373 |
| Average total loans | $383,185,000 | 1,262 |