Home > GRAYSTONE TOWER BANK > Performance and Condition Ratios
GRAYSTONE TOWER BANK, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 2,761 |
| Cost of funding earning assets | 0.8987% | 4,124 |
| Net interest margin | 4.1302% | 2,307 |
| Noninterest income to average assets | 0.8132% | 1,989 |
| Noninterest expense to average assets | 3.4058% | 2,223 |
| Loan and lease loss provision to assets | 0.2204% | 3,994 |
| Net operating income to assets | 0.6670% | 3,648 |
| Return on assets (ROA) | 0.7138% | 3,603 |
| Pretax return on assets | 1.0435% | 3,063 |
| Return on Equity (ROE) | 6.7800% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,271 |
| Net charge-offs to loans | 0.3397% | 3,702 |
| Credit loss provision to net charge-offs | 79.6534% | 4,469 |
| Earnings coverage of net charge-offs (x) | 4.3155% | 3,167 |
| Efficiency ratio | 72.8397% | 3,419 |
| Assets per employee ($millions) | 4.6198% | 2,728 |
| Cash dividends to net income (ytd only)* | 18.2084% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 7,008 |
| Loan loss allowance to noncurrent loans | 34.5152% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 3,514 |
| Noncurrent loans to loans | 1.7594% | 3,520 |
| Net loans and leases to total assets | 82.0419% | 338 |
| Net loans and leases to deposits | 96.2747% | 659 |
| Net loans and leases to core deposits | 107.7172% | 716 |
| Total domestic deposits to total assets | 85.2165% | 3,736 |
| Equity capital to assets | 11.2803% | 2,709 |
| Core capital (leverage) ratio | 10.2572% | 3,017 |
| Tier 1 risk-based capital ratio | 12.7157% | 5,297 |
| Total risk-based capital ratio | 13.3642% | 5,731 |
| Memoranda: | ||
| Average total assets | $2,586,585,400 | 274 |
| Average earning assets | $2,371,356,200 | 267 |
| Average equity | $272,331,600 | 284 |
| Average total loans | $2,106,517,600 | 228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 2,716 |
| Cost of funding earning assets | 0.8844% | 4,512 |
| Net interest margin | 4.1948% | 2,122 |
| Noninterest income to average assets | 0.7624% | 2,245 |
| Noninterest expense to average assets | 3.4987% | 1,937 |
| Loan and lease loss provision to assets | 0.2278% | 3,735 |
| Net operating income to assets | 0.6141% | 4,024 |
| Return on assets (ROA) | 0.6461% | 4,068 |
| Pretax return on assets | 0.9256% | 3,670 |
| Return on Equity (ROE) | 6.2445% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.4130% | 2,901 |
| Net charge-offs to loans | 0.4148% | 3,070 |
| Credit loss provision to net charge-offs | 67.6497% | 4,556 |
| Earnings coverage of net charge-offs (x) | 3.2847% | 3,502 |
| Efficiency ratio | 74.7674% | 3,039 |
| Assets per employee ($millions) | 4.3284% | 3,218 |
| Cash dividends to net income (ytd only)* | 13.3159% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 7,115 |
| Loan loss allowance to noncurrent loans | 41.6376% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 4,211 |
| Noncurrent loans to loans | 1.3677% | 4,247 |
| Net loans and leases to total assets | 82.0853% | 348 |
| Net loans and leases to deposits | 96.0382% | 694 |
| Net loans and leases to core deposits | 108.8059% | 734 |
| Total domestic deposits to total assets | 85.4715% | 3,516 |
| Equity capital to assets | 11.0371% | 3,108 |
| Core capital (leverage) ratio | 10.0219% | 3,412 |
| Tier 1 risk-based capital ratio | 12.4486% | 5,538 |
| Total risk-based capital ratio | 13.0629% | 6,017 |
| Memoranda: | ||
| Average total assets | $2,604,941,250 | 271 |
| Average earning assets | $2,385,947,250 | 265 |
| Average equity | $269,541,750 | 291 |
| Average total loans | $2,114,536,250 | 228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 2,924 |
| Cost of funding earning assets | 0.8623% | 4,969 |
| Net interest margin | 4.1881% | 2,082 |
| Noninterest income to average assets | 0.7664% | 2,175 |
| Noninterest expense to average assets | 3.7409% | 1,462 |
| Loan and lease loss provision to assets | 0.2397% | 3,518 |
| Net operating income to assets | 0.4312% | 4,804 |
| Return on assets (ROA) | 0.4302% | 4,957 |
| Pretax return on assets | 0.6163% | 4,689 |
| Return on Equity (ROE) | 4.2492% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.2492% | 3,492 |
| Net charge-offs to loans | 0.5029% | 2,594 |
| Credit loss provision to net charge-offs | 59.0551% | 4,364 |
| Earnings coverage of net charge-offs (x) | 2.1067% | 3,792 |
| Efficiency ratio | 80.1500% | 2,369 |
| Assets per employee ($millions) | 4.1378% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5774% | 7,165 |
| Loan loss allowance to noncurrent loans | 31.3762% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6382% | 3,720 |
| Noncurrent loans to loans | 1.8403% | 3,695 |
| Net loans and leases to total assets | 80.9671% | 451 |
| Net loans and leases to deposits | 94.4190% | 844 |
| Net loans and leases to core deposits | 101.0758% | 1,252 |
| Total domestic deposits to total assets | 85.7530% | 3,467 |
| Equity capital to assets | 10.8611% | 3,114 |
| Core capital (leverage) ratio | 9.7201% | 3,640 |
| Tier 1 risk-based capital ratio | 12.2818% | 5,535 |
| Total risk-based capital ratio | 12.8957% | 6,051 |
| Memoranda: | ||
| Average total assets | $2,627,781,670 | 274 |
| Average earning assets | $2,402,923,330 | 264 |
| Average equity | $266,073,330 | 291 |
| Average total loans | $2,121,397,670 | 231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 3,412 |
| Cost of funding earning assets | 0.8234% | 5,444 |
| Net interest margin | 4.1079% | 2,239 |
| Noninterest income to average assets | 0.7810% | 2,109 |
| Noninterest expense to average assets | 4.0522% | 974 |
| Loan and lease loss provision to assets | 0.2463% | 3,199 |
| Net operating income to assets | 0.1727% | 5,879 |
| Return on assets (ROA) | 0.1629% | 5,959 |
| Pretax return on assets | 0.2402% | 5,835 |
| Return on Equity (ROE) | 1.6654% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.6654% | 5,122 |
| Net charge-offs to loans | 0.1090% | 3,875 |
| Credit loss provision to net charge-offs | 281.0903% | 1,132 |
| Earnings coverage of net charge-offs (x) | 5.6235% | 2,238 |
| Efficiency ratio | 87.8247% | 1,536 |
| Assets per employee ($millions) | 3.9246% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 7,046 |
| Loan loss allowance to noncurrent loans | 38.1669% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6483% | 3,776 |
| Noncurrent loans to loans | 1.8958% | 3,705 |
| Net loans and leases to total assets | 79.3492% | 585 |
| Net loans and leases to deposits | 92.2201% | 998 |
| Net loans and leases to core deposits | 103.4701% | 1,097 |
| Total domestic deposits to total assets | 86.0432% | 3,504 |
| Equity capital to assets | 10.2330% | 3,497 |
| Core capital (leverage) ratio | 9.0794% | 4,480 |
| Tier 1 risk-based capital ratio | 11.8275% | 5,833 |
| Total risk-based capital ratio | 12.5902% | 6,205 |
| Memoranda: | ||
| Average total assets | $2,679,640,500 | 270 |
| Average earning assets | $2,455,259,500 | 262 |
| Average equity | $262,040,000 | 292 |
| Average total loans | $2,154,331,000 | 227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6444% | 5,975 |
| Cost of funding earning assets | 1.2251% | 4,386 |
| Net interest margin | 3.4193% | 5,554 |
| Noninterest income to average assets | 0.6371% | 3,233 |
| Noninterest expense to average assets | 3.0073% | 3,827 |
| Loan and lease loss provision to assets | 0.5053% | 3,132 |
| Net operating income to assets | 0.1869% | 5,311 |
| Return on assets (ROA) | 0.1973% | 5,442 |
| Pretax return on assets | 0.3028% | 5,226 |
| Return on Equity (ROE) | 1.8319% | 5,455 |
| Retained earnings to average equity (ytd only) | -2.3167% | 6,016 |
| Net charge-offs to loans | 0.3304% | 4,355 |
| Credit loss provision to net charge-offs | 192.8815% | 1,653 |
| Earnings coverage of net charge-offs (x) | 3.0070% | 3,565 |
| Efficiency ratio | 78.2769% | 2,660 |
| Assets per employee ($millions) | 3.1270% | 5,827 |
| Cash dividends to net income (ytd only)* | 226.4648% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 7,221 |
| Loan loss allowance to noncurrent loans | 73.3953% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 5,277 |
| Noncurrent loans to loans | 0.8627% | 5,340 |
| Net loans and leases to total assets | 80.3307% | 624 |
| Net loans and leases to deposits | 94.4476% | 1,013 |
| Net loans and leases to core deposits | 108.5633% | 1,010 |
| Total domestic deposits to total assets | 85.0532% | 3,826 |
| Equity capital to assets | 9.3466% | 4,626 |
| Core capital (leverage) ratio | 12.5666% | 1,288 |
| Tier 1 risk-based capital ratio | 11.0925% | 6,258 |
| Total risk-based capital ratio | 11.7858% | 6,654 |
| Memoranda: | ||
| Average total assets | $1,790,987,200 | 382 |
| Average earning assets | $1,654,103,200 | 374 |
| Average equity | $192,859,200 | 363 |
| Average total loans | $1,419,918,600 | 331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 4,342 |
| Cost of funding earning assets | 1.4192% | 3,460 |
| Net interest margin | 3.6767% | 4,516 |
| Noninterest income to average assets | 0.6350% | 3,221 |
| Noninterest expense to average assets | 2.7726% | 4,588 |
| Loan and lease loss provision to assets | 0.4251% | 3,360 |
| Net operating income to assets | 0.5779% | 3,969 |
| Return on assets (ROA) | 0.5923% | 4,069 |
| Pretax return on assets | 0.8633% | 3,690 |
| Return on Equity (ROE) | 5.1969% | 4,201 |
| Retained earnings to average equity (ytd only) | 0.6828% | 5,528 |
| Net charge-offs to loans | 0.2107% | 4,676 |
| Credit loss provision to net charge-offs | 256.7427% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.6551% | 2,288 |
| Efficiency ratio | 67.5702% | 4,548 |
| Assets per employee ($millions) | 4.6052% | 2,739 |
| Cash dividends to net income (ytd only)* | 86.8620% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 6,561 |
| Loan loss allowance to noncurrent loans | 83.1938% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 5,088 |
| Noncurrent loans to loans | 1.1455% | 4,943 |
| Net loans and leases to total assets | 81.7645% | 521 |
| Net loans and leases to deposits | 97.1652% | 868 |
| Net loans and leases to core deposits | 111.6123% | 951 |
| Total domestic deposits to total assets | 84.1500% | 4,031 |
| Equity capital to assets | 11.1517% | 2,813 |
| Core capital (leverage) ratio | 10.3758% | 2,832 |
| Tier 1 risk-based capital ratio | 12.2159% | 5,253 |
| Total risk-based capital ratio | 13.1613% | 5,518 |
| Memoranda: | ||
| Average total assets | $1,552,361,500 | 437 |
| Average earning assets | $1,437,738,750 | 422 |
| Average equity | $176,921,250 | 390 |
| Average total loans | $1,220,017,000 | 367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 4,540 |
| Cost of funding earning assets | 1.4471% | 3,580 |
| Net interest margin | 3.6370% | 4,646 |
| Noninterest income to average assets | 0.5808% | 3,475 |
| Noninterest expense to average assets | 2.7796% | 4,581 |
| Loan and lease loss provision to assets | 0.4376% | 3,123 |
| Net operating income to assets | 0.5087% | 4,285 |
| Return on assets (ROA) | 0.5091% | 4,435 |
| Pretax return on assets | 0.7336% | 4,133 |
| Return on Equity (ROE) | 4.4332% | 4,580 |
| Retained earnings to average equity (ytd only) | -0.1069% | 5,756 |
| Net charge-offs to loans | 0.2413% | 4,153 |
| Credit loss provision to net charge-offs | 234.9229% | 1,644 |
| Earnings coverage of net charge-offs (x) | 6.2847% | 2,483 |
| Efficiency ratio | 69.2526% | 4,323 |
| Assets per employee ($millions) | 4.6767% | 2,616 |
| Cash dividends to net income (ytd only)* | 102.4121% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,617 |
| Loan loss allowance to noncurrent loans | 93.5056% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 5,451 |
| Noncurrent loans to loans | 1.0094% | 5,294 |
| Net loans and leases to total assets | 76.9172% | 1,309 |
| Net loans and leases to deposits | 91.9012% | 1,550 |
| Net loans and leases to core deposits | 103.5306% | 1,682 |
| Total domestic deposits to total assets | 83.6956% | 4,247 |
| Equity capital to assets | 11.3243% | 2,574 |
| Core capital (leverage) ratio | 10.6303% | 2,518 |
| Tier 1 risk-based capital ratio | 13.1713% | 4,305 |
| Total risk-based capital ratio | 14.1094% | 4,514 |
| Memoranda: | ||
| Average total assets | $1,531,003,000 | 445 |
| Average earning assets | $1,418,431,000 | 431 |
| Average equity | $175,808,000 | 395 |
| Average total loans | $1,181,893,330 | 387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 4,852 |
| Cost of funding earning assets | 1.4791% | 3,695 |
| Net interest margin | 3.5573% | 4,911 |
| Noninterest income to average assets | 0.5261% | 3,850 |
| Noninterest expense to average assets | 2.5841% | 5,420 |
| Loan and lease loss provision to assets | 0.3857% | 3,049 |
| Net operating income to assets | 0.5988% | 3,901 |
| Return on assets (ROA) | 0.5995% | 4,044 |
| Pretax return on assets | 0.8589% | 3,630 |
| Return on Equity (ROE) | 5.1832% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.5979% | 5,586 |
| Net charge-offs to loans | 0.0874% | 4,546 |
| Credit loss provision to net charge-offs | 573.1225% | 755 |
| Earnings coverage of net charge-offs (x) | 18.4783% | 1,234 |
| Efficiency ratio | 66.2821% | 5,056 |
| Assets per employee ($millions) | 4.7095% | 2,633 |
| Cash dividends to net income (ytd only)* | 88.4650% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,734 |
| Loan loss allowance to noncurrent loans | 87.9451% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 5,465 |
| Noncurrent loans to loans | 1.0601% | 5,221 |
| Net loans and leases to total assets | 75.1567% | 1,701 |
| Net loans and leases to deposits | 90.3651% | 1,850 |
| Net loans and leases to core deposits | 98.9037% | 2,248 |
| Total domestic deposits to total assets | 83.1700% | 4,538 |
| Equity capital to assets | 11.5820% | 2,306 |
| Core capital (leverage) ratio | 10.9762% | 2,245 |
| Tier 1 risk-based capital ratio | 13.9692% | 3,671 |
| Total risk-based capital ratio | 14.9010% | 3,852 |
| Memoranda: | ||
| Average total assets | $1,503,807,500 | 465 |
| Average earning assets | $1,395,666,500 | 457 |
| Average equity | $173,945,000 | 402 |
| Average total loans | $1,157,310,000 | 414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 5,834 |
| Cost of funding earning assets | 1.8067% | 3,954 |
| Net interest margin | 3.3524% | 5,550 |
| Noninterest income to average assets | 0.7143% | 2,874 |
| Noninterest expense to average assets | 2.8227% | 4,877 |
| Loan and lease loss provision to assets | 0.4373% | 4,204 |
| Net operating income to assets | 0.3514% | 4,317 |
| Return on assets (ROA) | 0.3652% | 4,369 |
| Pretax return on assets | 0.5464% | 4,061 |
| Return on Equity (ROE) | 3.3983% | 4,333 |
| Retained earnings to average equity (ytd only) | -0.3386% | 5,036 |
| Net charge-offs to loans | 0.1613% | 5,664 |
| Credit loss provision to net charge-offs | 339.1417% | 955 |
| Earnings coverage of net charge-offs (x) | 7.4694% | 2,139 |
| Efficiency ratio | 74.5604% | 3,788 |
| Assets per employee ($millions) | 4.8276% | 2,442 |
| Cash dividends to net income (ytd only)* | 109.9633% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 6,994 |
| Loan loss allowance to noncurrent loans | 142.0721% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 6,132 |
| Noncurrent loans to loans | 0.5953% | 6,048 |
| Net loans and leases to total assets | 77.4467% | 1,497 |
| Net loans and leases to deposits | 93.3863% | 1,678 |
| Net loans and leases to core deposits | 104.6138% | 3,504 |
| Total domestic deposits to total assets | 82.9316% | 4,550 |
| Equity capital to assets | 11.5512% | 2,280 |
| Core capital (leverage) ratio | 11.1214% | 2,155 |
| Tier 1 risk-based capital ratio | 13.5337% | 3,802 |
| Total risk-based capital ratio | 14.3823% | 4,004 |
| Memoranda: | ||
| Average total assets | $1,192,849,400 | 560 |
| Average earning assets | $1,092,850,600 | 553 |
| Average equity | $128,180,800 | 519 |
| Average total loans | $953,500,200 | 501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 6,009 |
| Cost of funding earning assets | 1.9027% | 3,873 |
| Net interest margin | 3.2676% | 5,763 |
| Noninterest income to average assets | 0.6170% | 3,568 |
| Noninterest expense to average assets | 2.8235% | 4,795 |
| Loan and lease loss provision to assets | 0.4526% | 3,655 |
| Net operating income to assets | 0.2449% | 5,010 |
| Return on assets (ROA) | 0.2447% | 5,091 |
| Pretax return on assets | 0.3245% | 4,996 |
| Return on Equity (ROE) | 2.3341% | 5,050 |
| Retained earnings to average equity (ytd only) | -0.6358% | 5,388 |
| Net charge-offs to loans | 0.2125% | 4,704 |
| Credit loss provision to net charge-offs | 264.4491% | 1,608 |
| Earnings coverage of net charge-offs (x) | 4.5426% | 3,101 |
| Efficiency ratio | 78.4098% | 3,099 |
| Assets per employee ($millions) | 4.7664% | 2,449 |
| Cash dividends to net income (ytd only)* | 127.2417% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 7,027 |
| Loan loss allowance to noncurrent loans | 127.4066% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 6,092 |
| Noncurrent loans to loans | 0.6516% | 5,995 |
| Net loans and leases to total assets | 72.7630% | 2,852 |
| Net loans and leases to deposits | 88.9214% | 2,801 |
| Net loans and leases to core deposits | 100.5733% | 4,312 |
| Total domestic deposits to total assets | 81.8285% | 4,754 |
| Equity capital to assets | 12.3712% | 2,019 |
| Core capital (leverage) ratio | 11.5080% | 2,071 |
| Tier 1 risk-based capital ratio | 14.8905% | 3,096 |
| Total risk-based capital ratio | 15.7026% | 3,247 |
| Memoranda: | ||
| Average total assets | $1,124,161,250 | 600 |
| Average earning assets | $1,026,580,500 | 595 |
| Average equity | $117,844,500 | 570 |
| Average total loans | $905,299,000 | 541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1043% | 6,419 |
| Cost of funding earning assets | 1.9966% | 3,798 |
| Net interest margin | 3.1077% | 6,210 |
| Noninterest income to average assets | 0.6375% | 3,429 |
| Noninterest expense to average assets | 2.9158% | 4,448 |
| Loan and lease loss provision to assets | 0.5802% | 2,702 |
| Net operating income to assets | -0.0066% | 5,856 |
| Return on assets (ROA) | -0.0069% | 5,933 |
| Pretax return on assets | -0.0389% | 5,921 |
| Return on Equity (ROE) | -0.0718% | 5,940 |
| Retained earnings to average equity (ytd only) | -2.8947% | 5,950 |
| Net charge-offs to loans | 0.2781% | 3,806 |
| Credit loss provision to net charge-offs | 249.2562% | 1,874 |
| Earnings coverage of net charge-offs (x) | 2.3281% | 3,901 |
| Efficiency ratio | 84.3282% | 2,442 |
| Assets per employee ($millions) | 4.3806% | 2,964 |
| Cash dividends to net income (ytd only)* | -3,933.3333% | 8,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 7,264 |
| Loan loss allowance to noncurrent loans | 125.0080% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 6,109 |
| Noncurrent loans to loans | 0.6110% | 6,037 |
| Net loans and leases to total assets | 80.0064% | 1,312 |
| Net loans and leases to deposits | 95.5929% | 1,862 |
| Net loans and leases to core deposits | 108.0141% | 3,607 |
| Total domestic deposits to total assets | 83.6949% | 3,922 |
| Equity capital to assets | 9.8745% | 4,117 |
| Core capital (leverage) ratio | 9.0103% | 4,613 |
| Tier 1 risk-based capital ratio | 10.5860% | 6,306 |
| Total risk-based capital ratio | 11.3415% | 6,756 |
| Memoranda: | ||
| Average total assets | $1,039,721,670 | 670 |
| Average earning assets | $943,523,330 | 665 |
| Average equity | $100,322,330 | 671 |
| Average total loans | $870,169,670 | 573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 7,995 |
| Cost of funding earning assets | 1.8988% | 4,633 |
| Net interest margin | 2.0827% | 7,857 |
| Noninterest income to average assets | 0.4102% | 5,131 |
| Noninterest expense to average assets | 2.4120% | 6,152 |
| Loan and lease loss provision to assets | 1.0238% | 1,282 |
| Net operating income to assets | -0.7213% | 7,072 |
| Return on assets (ROA) | -0.7213% | 7,109 |
| Pretax return on assets | -1.1190% | 7,206 |
| Return on Equity (ROE) | -7.5979% | 7,205 |
| Retained earnings to average equity (ytd only) | -7.5979% | 6,868 |
| Net charge-offs to loans | 0.3137% | 2,848 |
| Credit loss provision to net charge-offs | 380.3859% | 1,352 |
| Earnings coverage of net charge-offs (x) | -0.3537% | 5,205 |
| Efficiency ratio | 104.1091% | 984 |
| Assets per employee ($millions) | 4.1209% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 7,271 |
| Loan loss allowance to noncurrent loans | 168.9377% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 6,193 |
| Noncurrent loans to loans | 0.4525% | 6,290 |
| Net loans and leases to total assets | 83.4416% | 781 |
| Net loans and leases to deposits | 99.8994% | 1,423 |
| Net loans and leases to core deposits | 111.8707% | 3,235 |
| Total domestic deposits to total assets | 83.5256% | 3,912 |
| Equity capital to assets | 9.6365% | 4,474 |
| Core capital (leverage) ratio | 16.2758% | 744 |
| Tier 1 risk-based capital ratio | 10.2435% | 6,655 |
| Total risk-based capital ratio | 11.0106% | 7,098 |
| Memoranda: | ||
| Average total assets | $924,390,500 | 762 |
| Average earning assets | $846,213,500 | 751 |
| Average equity | $87,761,500 | 754 |
| Average total loans | $793,148,500 | 624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 5,300 |
| Cost of funding earning assets | 3.0647% | 1,623 |
| Net interest margin | 2.9852% | 6,951 |
| Noninterest income to average assets | 0.5653% | 4,107 |
| Noninterest expense to average assets | 2.4705% | 6,131 |
| Loan and lease loss provision to assets | 0.4564% | 3,007 |
| Net operating income to assets | 0.3967% | 5,163 |
| Return on assets (ROA) | 0.3945% | 4,987 |
| Pretax return on assets | 0.4729% | 5,064 |
| Return on Equity (ROE) | 3.8219% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.8219% | 2,750 |
| Net charge-offs to loans | 0.1391% | 4,832 |
| Credit loss provision to net charge-offs | 374.4493% | 1,177 |
| Earnings coverage of net charge-offs (x) | 7.6461% | 3,055 |
| Efficiency ratio | 72.6077% | 3,824 |
| Assets per employee ($millions) | 5.4353% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 5,592 |
| Loan loss allowance to noncurrent loans | 411.2782% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 6,662 |
| Noncurrent loans to loans | 0.2562% | 6,613 |
| Net loans and leases to total assets | 88.0984% | 357 |
| Net loans and leases to deposits | 107.5222% | 1,004 |
| Net loans and leases to core deposits | 128.5834% | 1,958 |
| Total domestic deposits to total assets | 81.9351% | 4,230 |
| Equity capital to assets | 9.2257% | 5,041 |
| Core capital (leverage) ratio | 9.4812% | 4,035 |
| Tier 1 risk-based capital ratio | 9.7908% | 6,968 |
| Total risk-based capital ratio | 10.7889% | 7,180 |
| Memoranda: | ||
| Average total assets | $558,678,600 | 1,213 |
| Average earning assets | $530,987,800 | 1,163 |
| Average equity | $57,667,200 | 1,161 |
| Average total loans | $489,705,000 | 976 |