Home > Keystone Community Bank > Performance and Condition Ratios
Keystone Community Bank, Performance and Condition Ratios
| 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 | 3.9108% | 4,037 |
| Cost of funding earning assets | 0.2391% | 5,681 |
| Net interest margin | 3.6717% | 2,987 |
| Noninterest income to average assets | 0.2706% | 5,206 |
| Noninterest expense to average assets | 2.6556% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6046% | 4,180 |
| Return on assets (ROA) | 0.6046% | 4,255 |
| Pretax return on assets | 0.8958% | 3,711 |
| Return on Equity (ROE) | 3.9965% | 5,036 |
| Retained earnings to average equity (ytd only) | -6.4656% | 6,205 |
| Net charge-offs to loans | 0.7293% | 476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7968% | 3,018 |
| Efficiency ratio | 74.1979% | 3,092 |
| Assets per employee ($millions) | 5.0045% | 2,245 |
| Cash dividends to net income (ytd only)* | 261.7801% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3892% | 925 |
| Loan loss allowance to noncurrent loans | 116.9419% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4351% | 2,473 |
| Noncurrent loans to loans | 2.0430% | 1,817 |
| Net loans and leases to total assets | 67.0579% | 2,385 |
| Net loans and leases to deposits | 81.4555% | 2,107 |
| Net loans and leases to core deposits | 93.6879% | 1,578 |
| Total domestic deposits to total assets | 82.3246% | 4,843 |
| Equity capital to assets | 15.1540% | 644 |
| Core capital (leverage) ratio | 9.4791% | 4,315 |
| Tier 1 risk-based capital ratio | 12.1799% | 5,521 |
| Total risk-based capital ratio | 13.4423% | 5,444 |
| Memoranda: | ||
| Average total assets | $252,746,500 | 2,529 |
| Average earning assets | $225,835,000 | 2,595 |
| Average equity | $38,233,000 | 1,842 |
| Average total loans | $172,769,000 | 2,315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 3,002 |
| Cost of funding earning assets | 0.3165% | 5,453 |
| Net interest margin | 3.9737% | 2,023 |
| Noninterest income to average assets | 0.5391% | 3,485 |
| Noninterest expense to average assets | 2.7278% | 3,999 |
| Loan and lease loss provision to assets | -0.0507% | 6,384 |
| Net operating income to assets | 0.9371% | 2,616 |
| Return on assets (ROA) | 0.9417% | 2,675 |
| Pretax return on assets | 1.4111% | 1,748 |
| Return on Equity (ROE) | 5.6736% | 4,286 |
| Retained earnings to average equity (ytd only) | -8.9806% | 6,517 |
| Net charge-offs to loans | 0.5140% | 1,285 |
| Credit loss provision to net charge-offs | -13.8581% | 5,696 |
| Earnings coverage of net charge-offs (x) | 3.7018% | 3,777 |
| Efficiency ratio | 66.1204% | 4,538 |
| Assets per employee ($millions) | 5.1054% | 2,064 |
| Cash dividends to net income (ytd only)* | 258.2867% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5467% | 781 |
| Loan loss allowance to noncurrent loans | 162.2752% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 3,117 |
| Noncurrent loans to loans | 1.5694% | 2,545 |
| Net loans and leases to total assets | 66.2885% | 2,652 |
| Net loans and leases to deposits | 80.4035% | 2,401 |
| Net loans and leases to core deposits | 91.1056% | 1,890 |
| Total domestic deposits to total assets | 82.4448% | 4,728 |
| Equity capital to assets | 15.1005% | 658 |
| Core capital (leverage) ratio | 9.9070% | 3,690 |
| Tier 1 risk-based capital ratio | 12.6731% | 5,192 |
| Total risk-based capital ratio | 13.9379% | 5,127 |
| Memoranda: | ||
| Average total assets | $246,685,600 | 2,561 |
| Average earning assets | $219,897,800 | 2,618 |
| Average equity | $40,944,000 | 1,709 |
| Average total loans | $175,499,600 | 2,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,742 |
| Cost of funding earning assets | 0.3346% | 5,435 |
| Net interest margin | 4.0233% | 1,869 |
| Noninterest income to average assets | 0.5730% | 3,310 |
| Noninterest expense to average assets | 2.7572% | 3,806 |
| Loan and lease loss provision to assets | 0.2045% | 1,777 |
| Net operating income to assets | 0.7955% | 3,372 |
| Return on assets (ROA) | 0.7955% | 3,500 |
| Pretax return on assets | 1.1908% | 2,743 |
| Return on Equity (ROE) | 4.6825% | 4,887 |
| Retained earnings to average equity (ytd only) | -14.5740% | 6,698 |
| Net charge-offs to loans | 0.1644% | 2,914 |
| Credit loss provision to net charge-offs | 172.8111% | 1,380 |
| Earnings coverage of net charge-offs (x) | 11.7925% | 2,199 |
| Efficiency ratio | 65.6250% | 4,558 |
| Assets per employee ($millions) | 4.8400% | 2,378 |
| Cash dividends to net income (ytd only)* | 411.2416% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1508% | 473 |
| Loan loss allowance to noncurrent loans | 148.8848% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 2,184 |
| Noncurrent loans to loans | 2.1163% | 2,110 |
| Net loans and leases to total assets | 71.2181% | 1,743 |
| Net loans and leases to deposits | 87.0655% | 1,484 |
| Net loans and leases to core deposits | 97.3244% | 1,282 |
| Total domestic deposits to total assets | 81.7983% | 4,995 |
| Equity capital to assets | 15.5811% | 617 |
| Core capital (leverage) ratio | 9.5459% | 4,340 |
| Tier 1 risk-based capital ratio | 12.1074% | 5,717 |
| Total risk-based capital ratio | 13.3801% | 5,632 |
| Memoranda: | ||
| Average total assets | $244,539,750 | 2,594 |
| Average earning assets | $217,559,250 | 2,663 |
| Average equity | $41,543,250 | 1,701 |
| Average total loans | $175,965,500 | 2,247 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,631 |
| Cost of funding earning assets | 0.3388% | 5,497 |
| Net interest margin | 4.0449% | 1,714 |
| Noninterest income to average assets | 0.6365% | 2,980 |
| Noninterest expense to average assets | 2.7214% | 3,956 |
| Loan and lease loss provision to assets | 0.3056% | 1,171 |
| Net operating income to assets | 0.7922% | 3,335 |
| Return on assets (ROA) | 0.7922% | 3,497 |
| Pretax return on assets | 1.1900% | 2,719 |
| Return on Equity (ROE) | 4.5397% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.5397% | 3,382 |
| Net charge-offs to loans | 0.3514% | 1,787 |
| Credit loss provision to net charge-offs | 121.7532% | 1,838 |
| Earnings coverage of net charge-offs (x) | 5.9578% | 2,801 |
| Efficiency ratio | 63.7804% | 4,900 |
| Assets per employee ($millions) | 4.8477% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1613% | 495 |
| Loan loss allowance to noncurrent loans | 140.8940% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.7377% | 2,508 |
| Noncurrent loans to loans | 2.2438% | 2,123 |
| Net loans and leases to total assets | 69.7109% | 1,933 |
| Net loans and leases to deposits | 87.6417% | 1,388 |
| Net loans and leases to core deposits | 98.7164% | 1,157 |
| Total domestic deposits to total assets | 79.5407% | 5,707 |
| Equity capital to assets | 17.8192% | 334 |
| Core capital (leverage) ratio | 11.7365% | 1,777 |
| Tier 1 risk-based capital ratio | 15.4971% | 3,484 |
| Total risk-based capital ratio | 16.7698% | 3,422 |
| Memoranda: | ||
| Average total assets | $245,386,670 | 2,596 |
| Average earning assets | $217,213,000 | 2,676 |
| Average equity | $42,822,330 | 1,651 |
| Average total loans | $175,302,670 | 2,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 2,605 |
| Cost of funding earning assets | 0.3462% | 5,576 |
| Net interest margin | 4.0308% | 1,675 |
| Noninterest income to average assets | 0.4812% | 3,910 |
| Noninterest expense to average assets | 2.6376% | 4,285 |
| Loan and lease loss provision to assets | 0.3645% | 887 |
| Net operating income to assets | 0.6821% | 3,772 |
| Return on assets (ROA) | 0.6821% | 3,925 |
| Pretax return on assets | 1.0256% | 3,242 |
| Return on Equity (ROE) | 3.9495% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.9495% | 3,867 |
| Net charge-offs to loans | 0.3096% | 1,720 |
| Credit loss provision to net charge-offs | 165.4412% | 1,273 |
| Earnings coverage of net charge-offs (x) | 6.3088% | 2,240 |
| Efficiency ratio | 64.6822% | 4,888 |
| Assets per employee ($millions) | 5.1690% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1969% | 550 |
| Loan loss allowance to noncurrent loans | 193.2984% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 3,285 |
| Noncurrent loans to loans | 1.6539% | 3,060 |
| Net loans and leases to total assets | 69.0255% | 1,838 |
| Net loans and leases to deposits | 86.5056% | 1,291 |
| Net loans and leases to core deposits | 96.6619% | 1,166 |
| Total domestic deposits to total assets | 79.7931% | 5,798 |
| Equity capital to assets | 17.6359% | 355 |
| Core capital (leverage) ratio | 11.6102% | 1,813 |
| Tier 1 risk-based capital ratio | 15.4417% | 3,564 |
| Total risk-based capital ratio | 16.7155% | 3,505 |
| Memoranda: | ||
| Average total assets | $246,888,000 | 2,614 |
| Average earning assets | $217,226,500 | 2,698 |
| Average equity | $42,638,000 | 1,673 |
| Average total loans | $175,712,000 | 2,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 2,004 |
| Cost of funding earning assets | 0.4896% | 5,292 |
| Net interest margin | 4.3651% | 1,242 |
| Noninterest income to average assets | 0.5470% | 3,605 |
| Noninterest expense to average assets | 2.5839% | 4,795 |
| Loan and lease loss provision to assets | 0.6871% | 760 |
| Net operating income to assets | 0.7537% | 3,493 |
| Return on assets (ROA) | 0.7539% | 3,738 |
| Pretax return on assets | 1.1369% | 3,029 |
| Return on Equity (ROE) | 4.5493% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.5493% | 3,021 |
| Net charge-offs to loans | 0.6581% | 1,789 |
| Credit loss provision to net charge-offs | 142.2535% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.7755% | 3,609 |
| Efficiency ratio | 57.7356% | 5,869 |
| Assets per employee ($millions) | 5.2257% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 630 |
| Loan loss allowance to noncurrent loans | 182.9137% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 3,432 |
| Noncurrent loans to loans | 1.6718% | 3,117 |
| Net loans and leases to total assets | 68.8683% | 2,056 |
| Net loans and leases to deposits | 85.6483% | 1,555 |
| Net loans and leases to core deposits | 95.7965% | 1,322 |
| Total domestic deposits to total assets | 80.4082% | 5,565 |
| Equity capital to assets | 16.9160% | 426 |
| Core capital (leverage) ratio | 11.6363% | 1,777 |
| Tier 1 risk-based capital ratio | 14.5442% | 3,997 |
| Total risk-based capital ratio | 15.8157% | 3,941 |
| Memoranda: | ||
| Average total assets | $249,890,600 | 2,532 |
| Average earning assets | $221,005,400 | 2,607 |
| Average equity | $41,413,400 | 1,686 |
| Average total loans | $183,411,200 | 2,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,985 |
| Cost of funding earning assets | 0.5279% | 5,260 |
| Net interest margin | 4.3790% | 1,249 |
| Noninterest income to average assets | 0.4961% | 3,956 |
| Noninterest expense to average assets | 2.5875% | 4,783 |
| Loan and lease loss provision to assets | 0.6873% | 744 |
| Net operating income to assets | 0.7457% | 3,710 |
| Return on assets (ROA) | 0.7461% | 3,959 |
| Pretax return on assets | 1.1247% | 3,252 |
| Return on Equity (ROE) | 4.5254% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.5254% | 3,716 |
| Net charge-offs to loans | 0.7557% | 1,463 |
| Credit loss provision to net charge-offs | 122.9226% | 2,353 |
| Earnings coverage of net charge-offs (x) | 3.2397% | 3,732 |
| Efficiency ratio | 57.8730% | 5,809 |
| Assets per employee ($millions) | 5.0351% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8522% | 844 |
| Loan loss allowance to noncurrent loans | 160.5394% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 3,607 |
| Noncurrent loans to loans | 1.7766% | 3,114 |
| Net loans and leases to total assets | 72.9884% | 1,393 |
| Net loans and leases to deposits | 93.3912% | 837 |
| Net loans and leases to core deposits | 105.4960% | 767 |
| Total domestic deposits to total assets | 78.1534% | 6,043 |
| Equity capital to assets | 17.3892% | 413 |
| Core capital (leverage) ratio | 11.4242% | 2,038 |
| Tier 1 risk-based capital ratio | 14.1153% | 4,443 |
| Total risk-based capital ratio | 15.3846% | 4,390 |
| Memoranda: | ||
| Average total assets | $249,654,750 | 2,561 |
| Average earning assets | $222,510,500 | 2,611 |
| Average equity | $41,159,000 | 1,710 |
| Average total loans | $184,715,500 | 2,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,954 |
| Cost of funding earning assets | 0.5545% | 5,269 |
| Net interest margin | 4.3874% | 1,236 |
| Noninterest income to average assets | 0.4582% | 4,228 |
| Noninterest expense to average assets | 2.5508% | 4,959 |
| Loan and lease loss provision to assets | 1.0749% | 404 |
| Net operating income to assets | 0.4978% | 4,826 |
| Return on assets (ROA) | 0.4978% | 5,083 |
| Pretax return on assets | 0.7459% | 4,675 |
| Return on Equity (ROE) | 3.0732% | 5,667 |
| Retained earnings to average equity (ytd only) | 3.0732% | 4,597 |
| Net charge-offs to loans | 0.9270% | 1,192 |
| Credit loss provision to net charge-offs | 157.4913% | 1,765 |
| Earnings coverage of net charge-offs (x) | 2.6678% | 3,674 |
| Efficiency ratio | 57.4071% | 5,940 |
| Assets per employee ($millions) | 5.0293% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9496% | 821 |
| Loan loss allowance to noncurrent loans | 237.3962% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,416 |
| Noncurrent loans to loans | 1.2425% | 4,063 |
| Net loans and leases to total assets | 72.5534% | 1,466 |
| Net loans and leases to deposits | 90.1440% | 1,132 |
| Net loans and leases to core deposits | 99.9469% | 1,102 |
| Total domestic deposits to total assets | 80.4861% | 5,618 |
| Equity capital to assets | 16.7326% | 480 |
| Core capital (leverage) ratio | 10.6639% | 2,646 |
| Tier 1 risk-based capital ratio | 13.6095% | 4,733 |
| Total risk-based capital ratio | 14.8806% | 4,687 |
| Memoranda: | ||
| Average total assets | $252,311,330 | 2,525 |
| Average earning assets | $225,052,000 | 2,583 |
| Average equity | $40,869,670 | 1,710 |
| Average total loans | $185,760,330 | 2,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 2,011 |
| Cost of funding earning assets | 0.5577% | 5,447 |
| Net interest margin | 4.4090% | 1,210 |
| Noninterest income to average assets | 0.4294% | 4,457 |
| Noninterest expense to average assets | 2.5215% | 5,085 |
| Loan and lease loss provision to assets | 1.2709% | 289 |
| Net operating income to assets | 0.3886% | 5,303 |
| Return on assets (ROA) | 0.3886% | 5,487 |
| Pretax return on assets | 0.5767% | 5,197 |
| Return on Equity (ROE) | 2.4381% | 5,926 |
| Retained earnings to average equity (ytd only) | 2.4381% | 5,041 |
| Net charge-offs to loans | 1.3489% | 753 |
| Credit loss provision to net charge-offs | 128.9348% | 1,882 |
| Earnings coverage of net charge-offs (x) | 1.8744% | 3,400 |
| Efficiency ratio | 56.7791% | 6,049 |
| Assets per employee ($millions) | 5.2965% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7538% | 1,053 |
| Loan loss allowance to noncurrent loans | 231.9293% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 4,402 |
| Noncurrent loans to loans | 1.1873% | 4,350 |
| Net loans and leases to total assets | 71.1319% | 1,544 |
| Net loans and leases to deposits | 87.4100% | 1,241 |
| Net loans and leases to core deposits | 96.6511% | 1,242 |
| Total domestic deposits to total assets | 81.3772% | 5,504 |
| Equity capital to assets | 16.0597% | 567 |
| Core capital (leverage) ratio | 10.3372% | 2,945 |
| Tier 1 risk-based capital ratio | 12.8113% | 5,352 |
| Total risk-based capital ratio | 14.0789% | 5,318 |
| Memoranda: | ||
| Average total assets | $255,249,500 | 2,517 |
| Average earning assets | $228,078,000 | 2,562 |
| Average equity | $40,687,000 | 1,710 |
| Average total loans | $186,525,000 | 2,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 2,086 |
| Cost of funding earning assets | 1.0220% | 3,225 |
| Net interest margin | 4.1710% | 2,150 |
| Noninterest income to average assets | 0.2944% | 5,423 |
| Noninterest expense to average assets | 2.5074% | 5,448 |
| Loan and lease loss provision to assets | 1.1998% | 733 |
| Net operating income to assets | 0.2050% | 5,577 |
| Return on assets (ROA) | 0.2068% | 5,703 |
| Pretax return on assets | 0.3066% | 5,539 |
| Return on Equity (ROE) | 1.3647% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.3647% | 5,208 |
| Net charge-offs to loans | 2.1850% | 591 |
| Credit loss provision to net charge-offs | 73.7187% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.9239% | 5,110 |
| Efficiency ratio | 61.3332% | 5,558 |
| Assets per employee ($millions) | 5.5710% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 1,143 |
| Loan loss allowance to noncurrent loans | 132.1648% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 3,583 |
| Noncurrent loans to loans | 1.9974% | 3,209 |
| Net loans and leases to total assets | 71.0782% | 1,808 |
| Net loans and leases to deposits | 85.7507% | 1,697 |
| Net loans and leases to core deposits | 93.7613% | 1,722 |
| Total domestic deposits to total assets | 82.8893% | 4,791 |
| Equity capital to assets | 15.8214% | 603 |
| Core capital (leverage) ratio | 10.0692% | 3,260 |
| Tier 1 risk-based capital ratio | 12.7399% | 5,279 |
| Total risk-based capital ratio | 14.0064% | 5,245 |
| Memoranda: | ||
| Average total assets | $262,540,200 | 2,408 |
| Average earning assets | $233,951,400 | 2,459 |
| Average equity | $39,788,600 | 1,701 |
| Average total loans | $195,559,800 | 2,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 2,168 |
| Cost of funding earning assets | 1.1291% | 2,770 |
| Net interest margin | 4.0819% | 2,543 |
| Noninterest income to average assets | 0.2686% | 5,694 |
| Noninterest expense to average assets | 2.4868% | 5,510 |
| Loan and lease loss provision to assets | 1.4009% | 516 |
| Net operating income to assets | 0.0148% | 6,133 |
| Return on assets (ROA) | 0.0177% | 6,227 |
| Pretax return on assets | 0.0217% | 6,210 |
| Return on Equity (ROE) | 0.1179% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.1179% | 5,921 |
| Net charge-offs to loans | 2.4733% | 445 |
| Credit loss provision to net charge-offs | 75.6749% | 4,288 |
| Earnings coverage of net charge-offs (x) | 0.7666% | 5,039 |
| Efficiency ratio | 62.4014% | 5,351 |
| Assets per employee ($millions) | 5.8820% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 1,116 |
| Loan loss allowance to noncurrent loans | 147.6721% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 3,637 |
| Noncurrent loans to loans | 1.8378% | 3,584 |
| Net loans and leases to total assets | 70.0171% | 2,082 |
| Net loans and leases to deposits | 83.7804% | 2,036 |
| Net loans and leases to core deposits | 91.6178% | 2,040 |
| Total domestic deposits to total assets | 83.5722% | 4,446 |
| Equity capital to assets | 15.1320% | 823 |
| Core capital (leverage) ratio | 9.4742% | 4,187 |
| Tier 1 risk-based capital ratio | 12.3353% | 5,634 |
| Total risk-based capital ratio | 13.6026% | 5,604 |
| Memoranda: | ||
| Average total assets | $264,108,500 | 2,402 |
| Average earning assets | $235,342,500 | 2,460 |
| Average equity | $39,599,500 | 1,710 |
| Average total loans | $197,677,500 | 2,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 2,141 |
| Cost of funding earning assets | 1.2065% | 2,534 |
| Net interest margin | 4.0244% | 2,717 |
| Noninterest income to average assets | 0.2554% | 5,821 |
| Noninterest expense to average assets | 2.4902% | 5,582 |
| Loan and lease loss provision to assets | 1.2011% | 648 |
| Net operating income to assets | 0.0992% | 6,022 |
| Return on assets (ROA) | 0.1008% | 6,093 |
| Pretax return on assets | 0.1455% | 6,028 |
| Return on Equity (ROE) | 0.6743% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.6743% | 5,583 |
| Net charge-offs to loans | 1.6364% | 887 |
| Credit loss provision to net charge-offs | 96.8235% | 3,252 |
| Earnings coverage of net charge-offs (x) | 1.0837% | 4,473 |
| Efficiency ratio | 63.6561% | 5,312 |
| Assets per employee ($millions) | 5.7490% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0335% | 866 |
| Loan loss allowance to noncurrent loans | 100.8728% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 2.8175% | 2,381 |
| Noncurrent loans to loans | 3.0072% | 2,416 |
| Net loans and leases to total assets | 72.6446% | 1,656 |
| Net loans and leases to deposits | 88.2710% | 1,462 |
| Net loans and leases to core deposits | 96.6033% | 1,618 |
| Total domestic deposits to total assets | 82.2972% | 5,063 |
| Equity capital to assets | 15.1598% | 778 |
| Core capital (leverage) ratio | 9.3288% | 4,208 |
| Tier 1 risk-based capital ratio | 11.9143% | 5,853 |
| Total risk-based capital ratio | 13.1859% | 5,817 |
| Memoranda: | ||
| Average total assets | $263,914,330 | 2,415 |
| Average earning assets | $234,719,330 | 2,479 |
| Average equity | $39,448,330 | 1,698 |
| Average total loans | $200,070,330 | 2,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 2,115 |
| Cost of funding earning assets | 1.2445% | 2,540 |
| Net interest margin | 3.9846% | 2,751 |
| Noninterest income to average assets | 0.3065% | 5,479 |
| Noninterest expense to average assets | 2.5368% | 5,430 |
| Loan and lease loss provision to assets | 1.3276% | 508 |
| Net operating income to assets | -0.0061% | 6,359 |
| Return on assets (ROA) | -0.0061% | 6,387 |
| Pretax return on assets | -0.0167% | 6,375 |
| Return on Equity (ROE) | -0.0409% | 6,390 |
| Retained earnings to average equity (ytd only) | -0.0409% | 5,801 |
| Net charge-offs to loans | 2.1866% | 565 |
| Credit loss provision to net charge-offs | 79.6178% | 3,168 |
| Earnings coverage of net charge-offs (x) | 0.7862% | 4,051 |
| Efficiency ratio | 64.6293% | 5,256 |
| Assets per employee ($millions) | 5.6717% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9272% | 977 |
| Loan loss allowance to noncurrent loans | 96.2255% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.9245% | 2,365 |
| Noncurrent loans to loans | 3.0420% | 2,471 |
| Net loans and leases to total assets | 74.2069% | 1,315 |
| Net loans and leases to deposits | 91.0735% | 1,112 |
| Net loans and leases to core deposits | 98.8628% | 1,442 |
| Total domestic deposits to total assets | 81.4802% | 5,503 |
| Equity capital to assets | 15.2507% | 712 |
| Core capital (leverage) ratio | 9.5853% | 3,676 |
| Tier 1 risk-based capital ratio | 11.9067% | 5,774 |
| Total risk-based capital ratio | 13.1772% | 5,747 |
| Memoranda: | ||
| Average total assets | $263,643,500 | 2,441 |
| Average earning assets | $234,303,000 | 2,504 |
| Average equity | $39,127,000 | 1,697 |
| Average total loans | $201,044,000 | 2,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 2,174 |
| Cost of funding earning assets | 1.8243% | 1,080 |
| Net interest margin | 3.7029% | 4,331 |
| Noninterest income to average assets | 0.2223% | 6,217 |
| Noninterest expense to average assets | 2.5131% | 5,738 |
| Loan and lease loss provision to assets | 2.2985% | 528 |
| Net operating income to assets | -0.8543% | 6,603 |
| Return on assets (ROA) | -0.8919% | 6,655 |
| Pretax return on assets | -1.3537% | 6,803 |
| Return on Equity (ROE) | -5.9495% | 6,493 |
| Retained earnings to average equity (ytd only) | -5.9495% | 6,377 |
| Net charge-offs to loans | 1.7454% | 1,230 |
| Credit loss provision to net charge-offs | 163.4505% | 2,123 |
| Earnings coverage of net charge-offs (x) | 0.7122% | 5,400 |
| Efficiency ratio | 69.8691% | 4,202 |
| Assets per employee ($millions) | 5.7910% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9914% | 875 |
| Loan loss allowance to noncurrent loans | 82.4089% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 3.4926% | 1,986 |
| Noncurrent loans to loans | 3.6300% | 2,060 |
| Net loans and leases to total assets | 73.7957% | 1,699 |
| Net loans and leases to deposits | 92.2241% | 1,249 |
| Net loans and leases to core deposits | 95.3130% | 2,085 |
| Total domestic deposits to total assets | 80.0179% | 5,827 |
| Equity capital to assets | 14.4395% | 918 |
| Core capital (leverage) ratio | 9.1792% | 4,212 |
| Tier 1 risk-based capital ratio | 11.1043% | 6,247 |
| Total risk-based capital ratio | 12.3756% | 6,209 |
| Memoranda: | ||
| Average total assets | $260,909,800 | 2,446 |
| Average earning assets | $231,982,400 | 2,505 |
| Average equity | $39,112,600 | 1,690 |
| Average total loans | $210,204,600 | 2,072 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 2,161 |
| Cost of funding earning assets | 1.9523% | 874 |
| Net interest margin | 3.6221% | 4,775 |
| Noninterest income to average assets | 0.2158% | 6,363 |
| Noninterest expense to average assets | 2.5609% | 5,466 |
| Loan and lease loss provision to assets | 1.1415% | 1,272 |
| Net operating income to assets | -0.1736% | 6,282 |
| Return on assets (ROA) | -0.2240% | 6,405 |
| Pretax return on assets | -0.3411% | 6,443 |
| Return on Equity (ROE) | -1.4801% | 6,337 |
| Retained earnings to average equity (ytd only) | -1.4801% | 6,096 |
| Net charge-offs to loans | 1.1737% | 1,737 |
| Credit loss provision to net charge-offs | 119.0145% | 3,481 |
| Earnings coverage of net charge-offs (x) | 0.9138% | 5,143 |
| Efficiency ratio | 72.7395% | 3,569 |
| Assets per employee ($millions) | 5.6503% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 2,252 |
| Loan loss allowance to noncurrent loans | 56.9737% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.2957% | 2,163 |
| Noncurrent loans to loans | 3.4911% | 2,272 |
| Net loans and leases to total assets | 77.5212% | 1,119 |
| Net loans and leases to deposits | 97.9400% | 797 |
| Net loans and leases to core deposits | 101.2101% | 1,728 |
| Total domestic deposits to total assets | 79.1517% | 5,987 |
| Equity capital to assets | 15.1195% | 861 |
| Core capital (leverage) ratio | 9.3971% | 4,058 |
| Tier 1 risk-based capital ratio | 11.3170% | 6,086 |
| Total risk-based capital ratio | 12.5761% | 6,073 |
| Memoranda: | ||
| Average total assets | $259,540,250 | 2,498 |
| Average earning assets | $230,837,750 | 2,557 |
| Average equity | $39,274,500 | 1,694 |
| Average total loans | $212,094,500 | 2,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 2,232 |
| Cost of funding earning assets | 1.9936% | 925 |
| Net interest margin | 3.5810% | 4,898 |
| Noninterest income to average assets | 0.2274% | 6,290 |
| Noninterest expense to average assets | 2.6074% | 5,294 |
| Loan and lease loss provision to assets | 1.2736% | 1,095 |
| Net operating income to assets | -0.3107% | 6,483 |
| Return on assets (ROA) | -0.3847% | 6,589 |
| Pretax return on assets | -0.5852% | 6,650 |
| Return on Equity (ROE) | -2.5416% | 6,471 |
| Retained earnings to average equity (ytd only) | -2.5416% | 6,233 |
| Net charge-offs to loans | 0.5741% | 2,813 |
| Credit loss provision to net charge-offs | 268.6179% | 1,404 |
| Earnings coverage of net charge-offs (x) | 1.6894% | 4,245 |
| Efficiency ratio | 74.7116% | 3,328 |
| Assets per employee ($millions) | 5.4173% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 1,690 |
| Loan loss allowance to noncurrent loans | 85.2269% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 2.8754% | 2,501 |
| Noncurrent loans to loans | 2.6266% | 3,013 |
| Net loans and leases to total assets | 80.1281% | 775 |
| Net loans and leases to deposits | 101.2085% | 640 |
| Net loans and leases to core deposits | 107.7683% | 1,317 |
| Total domestic deposits to total assets | 79.1712% | 5,989 |
| Equity capital to assets | 15.0640% | 865 |
| Core capital (leverage) ratio | 9.3642% | 4,018 |
| Tier 1 risk-based capital ratio | 10.8577% | 6,395 |
| Total risk-based capital ratio | 12.1201% | 6,370 |
| Memoranda: | ||
| Average total assets | $259,415,000 | 2,509 |
| Average earning assets | $230,438,000 | 2,580 |
| Average equity | $39,266,670 | 1,691 |
| Average total loans | $214,266,330 | 2,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 2,786 |
| Cost of funding earning assets | 1.9975% | 1,094 |
| Net interest margin | 3.4613% | 5,330 |
| Noninterest income to average assets | 0.1297% | 7,037 |
| Noninterest expense to average assets | 2.7263% | 4,782 |
| Loan and lease loss provision to assets | 1.6703% | 686 |
| Net operating income to assets | -0.7842% | 7,001 |
| Return on assets (ROA) | -0.7796% | 7,021 |
| Pretax return on assets | -1.1872% | 7,139 |
| Return on Equity (ROE) | -5.1381% | 6,889 |
| Retained earnings to average equity (ytd only) | -5.1381% | 6,595 |
| Net charge-offs to loans | 0.6777% | 2,138 |
| Credit loss provision to net charge-offs | 297.2527% | 1,337 |
| Earnings coverage of net charge-offs (x) | 0.8489% | 4,287 |
| Efficiency ratio | 83.2289% | 2,114 |
| Assets per employee ($millions) | 5.3700% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 1,971 |
| Loan loss allowance to noncurrent loans | 75.5088% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.7883% | 2,609 |
| Noncurrent loans to loans | 2.7729% | 2,885 |
| Net loans and leases to total assets | 80.7634% | 743 |
| Net loans and leases to deposits | 102.2024% | 637 |
| Net loans and leases to core deposits | 111.1743% | 1,206 |
| Total domestic deposits to total assets | 79.0230% | 6,072 |
| Equity capital to assets | 15.1556% | 843 |
| Core capital (leverage) ratio | 9.4462% | 3,858 |
| Tier 1 risk-based capital ratio | 11.1644% | 5,994 |
| Total risk-based capital ratio | 12.4258% | 5,942 |
| Memoranda: | ||
| Average total assets | $259,107,500 | 2,568 |
| Average earning assets | $230,085,500 | 2,642 |
| Average equity | $39,314,500 | 1,707 |
| Average total loans | $214,835,500 | 2,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 3,787 |
| Cost of funding earning assets | 2.3935% | 1,321 |
| Net interest margin | 3.1714% | 6,180 |
| Noninterest income to average assets | 0.4514% | 4,795 |
| Noninterest expense to average assets | 2.5859% | 5,840 |
| Loan and lease loss provision to assets | 1.1940% | 1,929 |
| Net operating income to assets | -0.3614% | 6,040 |
| Return on assets (ROA) | -0.3425% | 6,007 |
| Pretax return on assets | -0.5108% | 6,018 |
| Return on Equity (ROE) | -2.2111% | 5,890 |
| Retained earnings to average equity (ytd only) | -2.2111% | 5,563 |
| Net charge-offs to loans | 0.5465% | 3,599 |
| Credit loss provision to net charge-offs | 259.4664% | 1,353 |
| Earnings coverage of net charge-offs (x) | 1.4243% | 4,701 |
| Efficiency ratio | 77.6176% | 3,257 |
| Assets per employee ($millions) | 5.5416% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 2,831 |
| Loan loss allowance to noncurrent loans | 56.0408% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.8811% | 2,435 |
| Noncurrent loans to loans | 3.0699% | 2,501 |
| Net loans and leases to total assets | 81.8987% | 697 |
| Net loans and leases to deposits | 105.0866% | 598 |
| Net loans and leases to core deposits | 140.1898% | 805 |
| Total domestic deposits to total assets | 77.9345% | 6,232 |
| Equity capital to assets | 15.1903% | 873 |
| Core capital (leverage) ratio | 9.9690% | 3,123 |
| Tier 1 risk-based capital ratio | 10.6367% | 6,263 |
| Total risk-based capital ratio | 11.8919% | 6,230 |
| Memoranda: | ||
| Average total assets | $252,521,200 | 2,584 |
| Average earning assets | $222,141,200 | 2,679 |
| Average equity | $39,120,200 | 1,713 |
| Average total loans | $212,624,400 | 2,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 4,062 |
| Cost of funding earning assets | 2.5333% | 1,197 |
| Net interest margin | 3.0320% | 6,512 |
| Noninterest income to average assets | 0.4832% | 4,641 |
| Noninterest expense to average assets | 2.6316% | 5,593 |
| Loan and lease loss provision to assets | 1.1697% | 1,659 |
| Net operating income to assets | -0.4273% | 6,355 |
| Return on assets (ROA) | -0.4305% | 6,357 |
| Pretax return on assets | -0.6615% | 6,456 |
| Return on Equity (ROE) | -2.7651% | 6,208 |
| Retained earnings to average equity (ytd only) | -2.7651% | 5,890 |
| Net charge-offs to loans | 0.5642% | 2,993 |
| Credit loss provision to net charge-offs | 245.5866% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.0804% | 4,975 |
| Efficiency ratio | 81.3261% | 2,674 |
| Assets per employee ($millions) | 5.2975% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 3,385 |
| Loan loss allowance to noncurrent loans | 55.0960% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.9629% | 2,338 |
| Noncurrent loans to loans | 2.7399% | 2,767 |
| Net loans and leases to total assets | 85.2489% | 410 |
| Net loans and leases to deposits | 113.5180% | 344 |
| Net loans and leases to core deposits | 151.9641% | 542 |
| Total domestic deposits to total assets | 75.0973% | 6,757 |
| Equity capital to assets | 16.2616% | 749 |
| Core capital (leverage) ratio | 10.3697% | 2,907 |
| Tier 1 risk-based capital ratio | 11.0439% | 5,904 |
| Total risk-based capital ratio | 12.2969% | 5,860 |
| Memoranda: | ||
| Average total assets | $250,537,500 | 2,621 |
| Average earning assets | $220,047,250 | 2,719 |
| Average equity | $39,009,250 | 1,741 |
| Average total loans | $211,519,500 | 2,205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 4,547 |
| Cost of funding earning assets | 2.7514% | 903 |
| Net interest margin | 2.7623% | 7,082 |
| Noninterest income to average assets | 0.5316% | 4,169 |
| Noninterest expense to average assets | 2.6382% | 5,593 |
| Loan and lease loss provision to assets | 1.2649% | 1,353 |
| Net operating income to assets | -0.6271% | 6,684 |
| Return on assets (ROA) | -0.6305% | 6,688 |
| Pretax return on assets | -0.9635% | 6,790 |
| Return on Equity (ROE) | -4.1079% | 6,491 |
| Retained earnings to average equity (ytd only) | -4.1079% | 6,158 |
| Net charge-offs to loans | 0.7094% | 2,282 |
| Credit loss provision to net charge-offs | 212.9161% | 2,162 |
| Earnings coverage of net charge-offs (x) | 0.5206% | 5,185 |
| Efficiency ratio | 87.0370% | 2,120 |
| Assets per employee ($millions) | 5.2464% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,209 |
| Loan loss allowance to noncurrent loans | 51.0380% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 2,799 |
| Noncurrent loans to loans | 2.5679% | 2,823 |
| Net loans and leases to total assets | 81.6023% | 1,026 |
| Net loans and leases to deposits | 108.9240% | 609 |
| Net loans and leases to core deposits | 139.4396% | 1,039 |
| Total domestic deposits to total assets | 74.9167% | 6,780 |
| Equity capital to assets | 15.7451% | 873 |
| Core capital (leverage) ratio | 10.0600% | 3,229 |
| Tier 1 risk-based capital ratio | 11.1683% | 5,707 |
| Total risk-based capital ratio | 12.4187% | 5,626 |
| Memoranda: | ||
| Average total assets | $252,822,000 | 2,605 |
| Average earning assets | $221,124,000 | 2,732 |
| Average equity | $38,803,330 | 1,756 |
| Average total loans | $211,718,670 | 2,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4784% | 5,024 |
| Cost of funding earning assets | 2.7944% | 998 |
| Net interest margin | 2.6840% | 7,240 |
| Noninterest income to average assets | 0.4469% | 4,807 |
| Noninterest expense to average assets | 2.8328% | 4,414 |
| Loan and lease loss provision to assets | 0.9585% | 1,356 |
| Net operating income to assets | -0.6332% | 6,997 |
| Return on assets (ROA) | -0.6316% | 7,033 |
| Pretax return on assets | -0.9616% | 7,134 |
| Return on Equity (ROE) | -4.1688% | 6,902 |
| Retained earnings to average equity (ytd only) | -4.1688% | 6,444 |
| Net charge-offs to loans | 0.4254% | 2,397 |
| Credit loss provision to net charge-offs | 267.4009% | 1,777 |
| Earnings coverage of net charge-offs (x) | -0.0132% | 4,995 |
| Efficiency ratio | 97.5991% | 1,234 |
| Assets per employee ($millions) | 5.2767% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,678 |
| Loan loss allowance to noncurrent loans | 60.8123% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 3,416 |
| Noncurrent loans to loans | 1.7619% | 3,625 |
| Net loans and leases to total assets | 82.4243% | 942 |
| Net loans and leases to deposits | 111.3954% | 550 |
| Net loans and leases to core deposits | 155.5591% | 570 |
| Total domestic deposits to total assets | 73.9925% | 6,894 |
| Equity capital to assets | 15.7801% | 915 |
| Core capital (leverage) ratio | 10.1266% | 3,266 |
| Tier 1 risk-based capital ratio | 11.3011% | 5,600 |
| Total risk-based capital ratio | 12.3699% | 5,712 |
| Memoranda: | ||
| Average total assets | $253,320,500 | 2,609 |
| Average earning assets | $224,736,000 | 2,709 |
| Average equity | $38,380,000 | 1,773 |
| Average total loans | $213,466,000 | 2,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5202% | 2,862 |
| Cost of funding earning assets | 3.3373% | 839 |
| Net interest margin | 3.1830% | 6,416 |
| Noninterest income to average assets | 0.2576% | 6,607 |
| Noninterest expense to average assets | 2.6071% | 5,625 |
| Loan and lease loss provision to assets | 0.1061% | 6,016 |
| Net operating income to assets | 0.2486% | 5,715 |
| Return on assets (ROA) | 0.1634% | 5,785 |
| Pretax return on assets | 0.2325% | 5,660 |
| Return on Equity (ROE) | 1.0779% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.0779% | 4,578 |
| Net charge-offs to loans | 0.0933% | 5,399 |
| Credit loss provision to net charge-offs | 132.2751% | 4,028 |
| Earnings coverage of net charge-offs (x) | 5.7407% | 3,550 |
| Efficiency ratio | 81.6572% | 2,351 |
| Assets per employee ($millions) | 5.0672% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 6,803 |
| Loan loss allowance to noncurrent loans | 61.0516% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4726% | 3,273 |
| Noncurrent loans to loans | 1.4270% | 3,664 |
| Net loans and leases to total assets | 84.4747% | 813 |
| Net loans and leases to deposits | 111.9688% | 710 |
| Net loans and leases to core deposits | 165.1071% | 490 |
| Total domestic deposits to total assets | 75.4448% | 6,353 |
| Equity capital to assets | 14.5216% | 1,290 |
| Core capital (leverage) ratio | 8.9475% | 4,817 |
| Tier 1 risk-based capital ratio | 9.4135% | 7,397 |
| Total risk-based capital ratio | 10.2699% | 7,758 |
| Memoranda: | ||
| Average total assets | $235,665,000 | 2,695 |
| Average earning assets | $208,045,400 | 2,800 |
| Average equity | $35,716,800 | 1,885 |
| Average total loans | $202,659,000 | 2,276 |