Home > Monarch Community Bank > Performance and Condition Ratios
Monarch Community Bank, Performance and Condition Ratios
| 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 | 4.7523% | 942 |
| Cost of funding earning assets | 0.3018% | 4,421 |
| Net interest margin | 4.4506% | 662 |
| Noninterest income to average assets | 1.5427% | 517 |
| Noninterest expense to average assets | 12.3789% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -7.0509% | 6,410 |
| Return on assets (ROA) | -6.8239% | 6,410 |
| Pretax return on assets | -6.7770% | 6,410 |
| Return on Equity (ROE) | -69.2502% | 6,404 |
| Retained earnings to average equity (ytd only) | -69.2502% | 6,398 |
| Net charge-offs to loans | 0.0123% | 2,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -748.0000% | 3,286 |
| Efficiency ratio | 230.3136% | 17 |
| Assets per employee ($millions) | 2.8153% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 1,864 |
| Loan loss allowance to noncurrent loans | 80.7809% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 1,292 |
| Noncurrent loans to loans | 2.0501% | 1,268 |
| Net loans and leases to total assets | 74.9170% | 1,368 |
| Net loans and leases to deposits | 87.5575% | 1,663 |
| Net loans and leases to core deposits | 88.5222% | 2,272 |
| Total domestic deposits to total assets | 85.5632% | 3,146 |
| Equity capital to assets | 9.0406% | 5,242 |
| Core capital (leverage) ratio | 8.7408% | 5,273 |
| Tier 1 risk-based capital ratio | 12.4797% | 4,919 |
| Total risk-based capital ratio | 13.7358% | 4,829 |
| Memoranda: | ||
| Average total assets | $170,871,000 | 3,344 |
| Average earning assets | $147,127,500 | 3,517 |
| Average equity | $16,837,500 | 3,612 |
| Average total loans | $129,665,000 | 2,916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 767 |
| Cost of funding earning assets | 0.3736% | 3,998 |
| Net interest margin | 4.6296% | 589 |
| Noninterest income to average assets | 1.5018% | 543 |
| Noninterest expense to average assets | 5.4462% | 237 |
| Loan and lease loss provision to assets | -0.0508% | 6,041 |
| Net operating income to assets | 0.0317% | 6,050 |
| Return on assets (ROA) | 0.0400% | 6,066 |
| Pretax return on assets | 0.0682% | 6,024 |
| Return on Equity (ROE) | 0.3863% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.3863% | 5,604 |
| Net charge-offs to loans | 0.3447% | 1,271 |
| Credit loss provision to net charge-offs | -20.1794% | 5,353 |
| Earnings coverage of net charge-offs (x) | 0.0179% | 4,710 |
| Efficiency ratio | 99.9172% | 366 |
| Assets per employee ($millions) | 2.4004% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 1,974 |
| Loan loss allowance to noncurrent loans | 74.5982% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 1,380 |
| Noncurrent loans to loans | 2.1905% | 1,220 |
| Net loans and leases to total assets | 74.3622% | 1,525 |
| Net loans and leases to deposits | 90.3053% | 1,489 |
| Net loans and leases to core deposits | 91.6212% | 2,136 |
| Total domestic deposits to total assets | 82.3454% | 4,295 |
| Equity capital to assets | 10.6488% | 3,300 |
| Core capital (leverage) ratio | 10.4162% | 3,044 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,681 |
| Total risk-based capital ratio | 15.9251% | 3,604 |
| Memoranda: | ||
| Average total assets | $177,315,000 | 3,239 |
| Average earning assets | $151,244,200 | 3,423 |
| Average equity | $18,378,600 | 3,362 |
| Average total loans | $129,402,800 | 2,881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 729 |
| Cost of funding earning assets | 0.3827% | 3,985 |
| Net interest margin | 4.6472% | 565 |
| Noninterest income to average assets | 1.5549% | 522 |
| Noninterest expense to average assets | 5.4061% | 238 |
| Loan and lease loss provision to assets | -0.0680% | 6,225 |
| Net operating income to assets | 0.1483% | 5,948 |
| Return on assets (ROA) | 0.1629% | 5,957 |
| Pretax return on assets | 0.1905% | 5,963 |
| Return on Equity (ROE) | 1.5821% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.5821% | 5,250 |
| Net charge-offs to loans | 0.1993% | 1,870 |
| Credit loss provision to net charge-offs | -47.1503% | 5,335 |
| Earnings coverage of net charge-offs (x) | 0.7306% | 4,328 |
| Efficiency ratio | 98.0884% | 429 |
| Assets per employee ($millions) | 2.4359% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 1,800 |
| Loan loss allowance to noncurrent loans | 129.7826% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 2,360 |
| Noncurrent loans to loans | 1.3543% | 2,380 |
| Net loans and leases to total assets | 76.1082% | 1,210 |
| Net loans and leases to deposits | 92.3590% | 1,197 |
| Net loans and leases to core deposits | 93.8467% | 1,885 |
| Total domestic deposits to total assets | 82.4047% | 4,334 |
| Equity capital to assets | 10.5712% | 3,466 |
| Core capital (leverage) ratio | 10.1569% | 3,467 |
| Tier 1 risk-based capital ratio | 14.4900% | 3,894 |
| Total risk-based capital ratio | 15.7479% | 3,830 |
| Memoranda: | ||
| Average total assets | $178,437,000 | 3,249 |
| Average earning assets | $151,915,750 | 3,433 |
| Average equity | $18,372,250 | 3,380 |
| Average total loans | $129,090,250 | 2,891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0277% | 714 |
| Cost of funding earning assets | 0.3898% | 3,993 |
| Net interest margin | 4.6379% | 545 |
| Noninterest income to average assets | 1.5068% | 537 |
| Noninterest expense to average assets | 5.3250% | 255 |
| Loan and lease loss provision to assets | -0.1014% | 6,377 |
| Net operating income to assets | 0.1805% | 5,890 |
| Return on assets (ROA) | 0.1805% | 5,936 |
| Pretax return on assets | 0.2084% | 5,934 |
| Return on Equity (ROE) | 1.7689% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.7689% | 5,013 |
| Net charge-offs to loans | 0.1120% | 2,540 |
| Credit loss provision to net charge-offs | -128.1690% | 5,302 |
| Earnings coverage of net charge-offs (x) | 1.3521% | 3,833 |
| Efficiency ratio | 98.0304% | 464 |
| Assets per employee ($millions) | 2.3706% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 1,608 |
| Loan loss allowance to noncurrent loans | 189.2911% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9761% | 3,114 |
| Noncurrent loans to loans | 0.9978% | 3,241 |
| Net loans and leases to total assets | 69.6197% | 2,140 |
| Net loans and leases to deposits | 83.8884% | 2,047 |
| Net loans and leases to core deposits | 85.1379% | 2,595 |
| Total domestic deposits to total assets | 82.9909% | 4,310 |
| Equity capital to assets | 9.8657% | 4,276 |
| Core capital (leverage) ratio | 10.1748% | 3,381 |
| Tier 1 risk-based capital ratio | 14.5035% | 3,932 |
| Total risk-based capital ratio | 15.7623% | 3,864 |
| Memoranda: | ||
| Average total assets | $179,455,330 | 3,257 |
| Average earning assets | $151,878,000 | 3,449 |
| Average equity | $18,316,330 | 3,388 |
| Average total loans | $126,831,000 | 2,930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 549 |
| Cost of funding earning assets | 0.4144% | 3,823 |
| Net interest margin | 4.7277% | 440 |
| Noninterest income to average assets | 1.6429% | 457 |
| Noninterest expense to average assets | 5.5029% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1162% | 5,991 |
| Return on assets (ROA) | 0.1162% | 6,024 |
| Pretax return on assets | 0.1436% | 6,019 |
| Return on Equity (ROE) | 1.1186% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.1186% | 5,155 |
| Net charge-offs to loans | -0.0194% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4576% | 568 |
| Assets per employee ($millions) | 2.2464% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 1,265 |
| Loan loss allowance to noncurrent loans | 296.1283% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 3,475 |
| Noncurrent loans to loans | 0.7205% | 4,067 |
| Net loans and leases to total assets | 67.4795% | 2,304 |
| Net loans and leases to deposits | 77.5763% | 2,619 |
| Net loans and leases to core deposits | 78.5807% | 3,139 |
| Total domestic deposits to total assets | 86.9846% | 2,822 |
| Equity capital to assets | 10.0741% | 3,757 |
| Core capital (leverage) ratio | 10.5053% | 2,926 |
| Tier 1 risk-based capital ratio | 15.2241% | 3,595 |
| Total risk-based capital ratio | 16.4868% | 3,540 |
| Memoranda: | ||
| Average total assets | $175,545,000 | 3,324 |
| Average earning assets | $148,656,000 | 3,528 |
| Average equity | $18,236,500 | 3,396 |
| Average total loans | $123,801,000 | 2,995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 1,324 |
| Cost of funding earning assets | 0.7460% | 1,520 |
| Net interest margin | 4.0513% | 1,801 |
| Noninterest income to average assets | 1.9437% | 410 |
| Noninterest expense to average assets | 6.2600% | 178 |
| Loan and lease loss provision to assets | 0.2402% | 1,506 |
| Net operating income to assets | -1.0686% | 6,620 |
| Return on assets (ROA) | -1.0697% | 6,619 |
| Pretax return on assets | -1.0769% | 6,606 |
| Return on Equity (ROE) | -15.7113% | 6,651 |
| Retained earnings to average equity (ytd only) | -15.7113% | 6,626 |
| Net charge-offs to loans | 0.6389% | 1,016 |
| Credit loss provision to net charge-offs | 54.6250% | 3,714 |
| Earnings coverage of net charge-offs (x) | -1.9000% | 5,320 |
| Efficiency ratio | 114.3190% | 224 |
| Assets per employee ($millions) | 1.8792% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1877% | 1,191 |
| Loan loss allowance to noncurrent loans | 142.6588% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.4297% | 2,599 |
| Noncurrent loans to loans | 1.5335% | 2,592 |
| Net loans and leases to total assets | 70.6364% | 1,911 |
| Net loans and leases to deposits | 79.8084% | 2,482 |
| Net loans and leases to core deposits | 81.5735% | 2,951 |
| Total domestic deposits to total assets | 88.5075% | 1,906 |
| Equity capital to assets | 10.7268% | 2,903 |
| Core capital (leverage) ratio | 10.7554% | 2,618 |
| Tier 1 risk-based capital ratio | 15.7337% | 3,229 |
| Total risk-based capital ratio | 16.9930% | 3,187 |
| Memoranda: | ||
| Average total assets | $181,918,000 | 3,256 |
| Average earning assets | $156,297,400 | 3,394 |
| Average equity | $12,386,000 | 4,378 |
| Average total loans | $125,210,200 | 2,933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 1,348 |
| Cost of funding earning assets | 0.8315% | 1,150 |
| Net interest margin | 3.9658% | 2,057 |
| Noninterest income to average assets | 2.1017% | 387 |
| Noninterest expense to average assets | 6.3238% | 177 |
| Loan and lease loss provision to assets | 0.3147% | 1,075 |
| Net operating income to assets | -1.1841% | 6,730 |
| Return on assets (ROA) | -1.1841% | 6,729 |
| Pretax return on assets | -1.1358% | 6,715 |
| Return on Equity (ROE) | -20.0233% | 6,771 |
| Retained earnings to average equity (ytd only) | -20.0233% | 6,756 |
| Net charge-offs to loans | 0.5059% | 1,271 |
| Credit loss provision to net charge-offs | 91.4226% | 2,604 |
| Earnings coverage of net charge-offs (x) | -2.3849% | 5,093 |
| Efficiency ratio | 113.5340% | 223 |
| Assets per employee ($millions) | 1.5268% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5082% | 923 |
| Loan loss allowance to noncurrent loans | 101.9408% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8482% | 2,205 |
| Noncurrent loans to loans | 2.4604% | 1,769 |
| Net loans and leases to total assets | 69.2949% | 2,084 |
| Net loans and leases to deposits | 74.3859% | 3,177 |
| Net loans and leases to core deposits | 75.3409% | 3,695 |
| Total domestic deposits to total assets | 93.1560% | 115 |
| Equity capital to assets | 5.9246% | 6,705 |
| Core capital (leverage) ratio | 5.5583% | 6,756 |
| Tier 1 risk-based capital ratio | 9.4752% | 6,684 |
| Total risk-based capital ratio | 10.7452% | 6,662 |
| Memoranda: | ||
| Average total assets | $185,115,500 | 3,252 |
| Average earning assets | $158,754,000 | 3,401 |
| Average equity | $10,947,000 | 4,695 |
| Average total loans | $125,978,250 | 2,942 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,630 |
| Cost of funding earning assets | 0.8579% | 1,096 |
| Net interest margin | 3.8193% | 2,480 |
| Noninterest income to average assets | 2.2029% | 388 |
| Noninterest expense to average assets | 6.1318% | 196 |
| Loan and lease loss provision to assets | 0.4045% | 763 |
| Net operating income to assets | -1.0994% | 6,771 |
| Return on assets (ROA) | -1.0994% | 6,773 |
| Pretax return on assets | -1.0396% | 6,744 |
| Return on Equity (ROE) | -18.6004% | 6,818 |
| Retained earnings to average equity (ytd only) | -18.6004% | 6,791 |
| Net charge-offs to loans | 1.0563% | 573 |
| Credit loss provision to net charge-offs | 57.0162% | 3,072 |
| Earnings coverage of net charge-offs (x) | -0.8951% | 4,705 |
| Efficiency ratio | 110.2002% | 273 |
| Assets per employee ($millions) | 1.6437% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2112% | 1,402 |
| Loan loss allowance to noncurrent loans | 84.8485% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9199% | 2,261 |
| Noncurrent loans to loans | 2.6061% | 1,763 |
| Net loans and leases to total assets | 65.3336% | 2,706 |
| Net loans and leases to deposits | 72.8496% | 3,329 |
| Net loans and leases to core deposits | 73.8404% | 3,837 |
| Total domestic deposits to total assets | 89.6828% | 1,213 |
| Equity capital to assets | 5.7021% | 6,765 |
| Core capital (leverage) ratio | 5.5783% | 6,790 |
| Tier 1 risk-based capital ratio | 9.2040% | 6,746 |
| Total risk-based capital ratio | 10.4679% | 6,741 |
| Memoranda: | ||
| Average total assets | $190,839,670 | 3,184 |
| Average earning assets | $164,586,670 | 3,329 |
| Average equity | $11,279,330 | 4,666 |
| Average total loans | $128,181,000 | 2,914 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,403 |
| Cost of funding earning assets | 0.8959% | 1,002 |
| Net interest margin | 3.8545% | 2,263 |
| Noninterest income to average assets | 2.0828% | 410 |
| Noninterest expense to average assets | 5.9817% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5895% | 6,710 |
| Return on assets (ROA) | -0.5895% | 6,727 |
| Pretax return on assets | -0.5709% | 6,696 |
| Return on Equity (ROE) | -9.8077% | 6,802 |
| Retained earnings to average equity (ytd only) | -9.8077% | 6,606 |
| Net charge-offs to loans | 1.1949% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.7095% | 3,943 |
| Efficiency ratio | 109.1743% | 339 |
| Assets per employee ($millions) | 1.8036% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 1,833 |
| Loan loss allowance to noncurrent loans | 91.3329% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8160% | 2,592 |
| Noncurrent loans to loans | 2.2815% | 2,291 |
| Net loans and leases to total assets | 63.2241% | 2,845 |
| Net loans and leases to deposits | 70.4226% | 3,406 |
| Net loans and leases to core deposits | 71.4435% | 3,892 |
| Total domestic deposits to total assets | 89.7781% | 1,177 |
| Equity capital to assets | 5.8401% | 6,837 |
| Core capital (leverage) ratio | 5.8841% | 6,816 |
| Tier 1 risk-based capital ratio | 9.7061% | 6,732 |
| Total risk-based capital ratio | 10.9690% | 6,712 |
| Memoranda: | ||
| Average total assets | $193,390,000 | 3,176 |
| Average earning assets | $166,975,000 | 3,324 |
| Average equity | $11,623,500 | 4,648 |
| Average total loans | $130,224,500 | 2,889 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 1,518 |
| Cost of funding earning assets | 1.2039% | 566 |
| Net interest margin | 3.8111% | 3,177 |
| Noninterest income to average assets | 1.6099% | 614 |
| Noninterest expense to average assets | 5.4591% | 277 |
| Loan and lease loss provision to assets | -0.5127% | 7,043 |
| Net operating income to assets | -0.0430% | 6,229 |
| Return on assets (ROA) | -0.0384% | 6,335 |
| Pretax return on assets | -0.0487% | 6,330 |
| Return on Equity (ROE) | -0.6822% | 6,368 |
| Retained earnings to average equity (ytd only) | -0.6822% | 5,973 |
| Net charge-offs to loans | 0.3951% | 2,672 |
| Credit loss provision to net charge-offs | -180.2768% | 6,378 |
| Earnings coverage of net charge-offs (x) | -1.9948% | 5,833 |
| Efficiency ratio | 110.1589% | 331 |
| Assets per employee ($millions) | 1.7943% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2732% | 1,408 |
| Loan loss allowance to noncurrent loans | 36.9941% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 4.7394% | 846 |
| Noncurrent loans to loans | 6.1447% | 577 |
| Net loans and leases to total assets | 68.6033% | 2,085 |
| Net loans and leases to deposits | 76.9364% | 2,667 |
| Net loans and leases to core deposits | 79.0805% | 3,139 |
| Total domestic deposits to total assets | 89.1688% | 1,459 |
| Equity capital to assets | 6.1864% | 6,875 |
| Core capital (leverage) ratio | 5.9535% | 6,862 |
| Tier 1 risk-based capital ratio | 9.2350% | 6,833 |
| Total risk-based capital ratio | 10.4946% | 6,829 |
| Memoranda: | ||
| Average total assets | $203,239,200 | 3,010 |
| Average earning assets | $175,016,400 | 3,165 |
| Average equity | $11,434,400 | 4,679 |
| Average total loans | $146,285,400 | 2,626 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 1,632 |
| Cost of funding earning assets | 1.2660% | 515 |
| Net interest margin | 3.7577% | 3,514 |
| Noninterest income to average assets | 1.4063% | 757 |
| Noninterest expense to average assets | 5.2208% | 318 |
| Loan and lease loss provision to assets | 0.0368% | 5,314 |
| Net operating income to assets | -0.6321% | 6,749 |
| Return on assets (ROA) | -0.6263% | 6,773 |
| Pretax return on assets | -0.6030% | 6,744 |
| Return on Equity (ROE) | -11.3932% | 6,886 |
| Retained earnings to average equity (ytd only) | -11.3932% | 6,849 |
| Net charge-offs to loans | 1.0240% | 1,033 |
| Credit loss provision to net charge-offs | 4.9652% | 5,127 |
| Earnings coverage of net charge-offs (x) | -0.7718% | 5,549 |
| Efficiency ratio | 110.8194% | 293 |
| Assets per employee ($millions) | 1.9238% | 7,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 1,241 |
| Loan loss allowance to noncurrent loans | 34.0659% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 5.9576% | 673 |
| Noncurrent loans to loans | 7.2641% | 491 |
| Net loans and leases to total assets | 72.3085% | 1,500 |
| Net loans and leases to deposits | 80.4797% | 2,320 |
| Net loans and leases to core deposits | 82.8756% | 2,847 |
| Total domestic deposits to total assets | 89.8469% | 929 |
| Equity capital to assets | 5.6015% | 7,012 |
| Core capital (leverage) ratio | 5.2889% | 6,998 |
| Tier 1 risk-based capital ratio | 8.1343% | 6,987 |
| Total risk-based capital ratio | 9.4023% | 6,988 |
| Memoranda: | ||
| Average total assets | $206,501,000 | 3,004 |
| Average earning assets | $178,190,750 | 3,157 |
| Average equity | $11,351,500 | 4,742 |
| Average total loans | $149,478,500 | 2,612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,697 |
| Cost of funding earning assets | 1.3187% | 479 |
| Net interest margin | 3.7184% | 3,735 |
| Noninterest income to average assets | 1.3478% | 790 |
| Noninterest expense to average assets | 4.9752% | 385 |
| Loan and lease loss provision to assets | 0.0503% | 5,040 |
| Net operating income to assets | -0.4920% | 6,732 |
| Return on assets (ROA) | -0.4920% | 6,773 |
| Pretax return on assets | -0.4692% | 6,731 |
| Return on Equity (ROE) | -9.0030% | 6,886 |
| Retained earnings to average equity (ytd only) | -9.0030% | 6,806 |
| Net charge-offs to loans | 1.2440% | 864 |
| Credit loss provision to net charge-offs | 5.6323% | 4,778 |
| Earnings coverage of net charge-offs (x) | -0.4687% | 5,225 |
| Efficiency ratio | 107.6923% | 367 |
| Assets per employee ($millions) | 2.1759% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5633% | 1,188 |
| Loan loss allowance to noncurrent loans | 55.2280% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 3.9179% | 1,322 |
| Noncurrent loans to loans | 4.6412% | 1,121 |
| Net loans and leases to total assets | 68.5318% | 2,195 |
| Net loans and leases to deposits | 77.9254% | 2,682 |
| Net loans and leases to core deposits | 80.1227% | 3,200 |
| Total domestic deposits to total assets | 87.9453% | 2,179 |
| Equity capital to assets | 5.4148% | 7,073 |
| Core capital (leverage) ratio | 5.2178% | 7,052 |
| Tier 1 risk-based capital ratio | 8.3156% | 7,025 |
| Total risk-based capital ratio | 9.5848% | 7,027 |
| Memoranda: | ||
| Average total assets | $210,566,330 | 2,962 |
| Average earning assets | $181,692,670 | 3,105 |
| Average equity | $11,507,330 | 4,713 |
| Average total loans | $151,283,330 | 2,601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,423 |
| Cost of funding earning assets | 1.3945% | 437 |
| Net interest margin | 3.7583% | 3,567 |
| Noninterest income to average assets | 0.9782% | 1,484 |
| Noninterest expense to average assets | 4.8230% | 415 |
| Loan and lease loss provision to assets | 0.0530% | 4,747 |
| Net operating income to assets | -0.6925% | 6,909 |
| Return on assets (ROA) | -0.6925% | 6,931 |
| Pretax return on assets | -0.6698% | 6,890 |
| Return on Equity (ROE) | -12.6147% | 7,032 |
| Retained earnings to average equity (ytd only) | -12.6147% | 6,914 |
| Net charge-offs to loans | 1.6238% | 606 |
| Credit loss provision to net charge-offs | 4.4944% | 3,961 |
| Earnings coverage of net charge-offs (x) | -0.5233% | 4,506 |
| Efficiency ratio | 113.0454% | 302 |
| Assets per employee ($millions) | 2.3634% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6857% | 1,130 |
| Loan loss allowance to noncurrent loans | 41.6257% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 5.5526% | 879 |
| Noncurrent loans to loans | 6.4519% | 740 |
| Net loans and leases to total assets | 68.4199% | 2,038 |
| Net loans and leases to deposits | 79.6253% | 2,257 |
| Net loans and leases to core deposits | 82.1072% | 2,820 |
| Total domestic deposits to total assets | 85.9273% | 3,570 |
| Equity capital to assets | 5.3067% | 7,120 |
| Core capital (leverage) ratio | 5.2631% | 7,094 |
| Tier 1 risk-based capital ratio | 8.1574% | 7,087 |
| Total risk-based capital ratio | 9.4293% | 7,085 |
| Memoranda: | ||
| Average total assets | $211,404,500 | 2,975 |
| Average earning assets | $181,571,500 | 3,128 |
| Average equity | $11,605,500 | 4,701 |
| Average total loans | $153,464,000 | 2,579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 2,330 |
| Cost of funding earning assets | 1.7466% | 264 |
| Net interest margin | 3.3832% | 5,532 |
| Noninterest income to average assets | 1.1200% | 1,056 |
| Noninterest expense to average assets | 3.9888% | 1,054 |
| Loan and lease loss provision to assets | 0.3093% | 3,192 |
| Net operating income to assets | -0.2667% | 6,313 |
| Return on assets (ROA) | -0.0688% | 6,213 |
| Pretax return on assets | -0.0055% | 6,136 |
| Return on Equity (ROE) | -1.3287% | 6,278 |
| Retained earnings to average equity (ytd only) | -1.3287% | 6,061 |
| Net charge-offs to loans | 1.6805% | 912 |
| Credit loss provision to net charge-offs | 25.0427% | 5,853 |
| Earnings coverage of net charge-offs (x) | 0.0858% | 5,765 |
| Efficiency ratio | 95.9291% | 823 |
| Assets per employee ($millions) | 2.6296% | 6,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9900% | 823 |
| Loan loss allowance to noncurrent loans | 43.6118% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 6.3517% | 751 |
| Noncurrent loans to loans | 6.8560% | 652 |
| Net loans and leases to total assets | 72.7164% | 1,511 |
| Net loans and leases to deposits | 86.6618% | 1,581 |
| Net loans and leases to core deposits | 90.2735% | 2,084 |
| Total domestic deposits to total assets | 83.9083% | 4,347 |
| Equity capital to assets | 5.6792% | 7,116 |
| Core capital (leverage) ratio | 5.2656% | 7,118 |
| Tier 1 risk-based capital ratio | 8.2277% | 7,100 |
| Total risk-based capital ratio | 9.5036% | 7,098 |
| Memoranda: | ||
| Average total assets | $236,963,200 | 2,664 |
| Average earning assets | $208,351,400 | 2,744 |
| Average equity | $12,267,800 | 4,486 |
| Average total loans | $174,177,000 | 2,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1113% | 2,551 |
| Cost of funding earning assets | 1.7882% | 274 |
| Net interest margin | 3.3232% | 5,791 |
| Noninterest income to average assets | 1.0513% | 1,215 |
| Noninterest expense to average assets | 3.7542% | 1,389 |
| Loan and lease loss provision to assets | 0.1659% | 4,401 |
| Net operating income to assets | 0.0568% | 6,060 |
| Return on assets (ROA) | 0.2975% | 5,576 |
| Pretax return on assets | 0.3177% | 5,667 |
| Return on Equity (ROE) | 5.8671% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.8671% | 2,638 |
| Net charge-offs to loans | 1.4885% | 977 |
| Credit loss provision to net charge-offs | 15.2305% | 5,618 |
| Earnings coverage of net charge-offs (x) | 0.2089% | 5,441 |
| Efficiency ratio | 92.8033% | 982 |
| Assets per employee ($millions) | 2.7587% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1674% | 751 |
| Loan loss allowance to noncurrent loans | 41.1783% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 6.6421% | 768 |
| Noncurrent loans to loans | 7.6918% | 598 |
| Net loans and leases to total assets | 70.5690% | 1,966 |
| Net loans and leases to deposits | 84.3055% | 1,951 |
| Net loans and leases to core deposits | 89.8949% | 2,262 |
| Total domestic deposits to total assets | 83.7063% | 4,371 |
| Equity capital to assets | 5.5873% | 7,220 |
| Core capital (leverage) ratio | 5.1702% | 7,217 |
| Tier 1 risk-based capital ratio | 8.3461% | 7,168 |
| Total risk-based capital ratio | 9.6283% | 7,168 |
| Memoranda: | ||
| Average total assets | $244,269,000 | 2,591 |
| Average earning assets | $215,412,000 | 2,676 |
| Average equity | $12,385,250 | 4,471 |
| Average total loans | $178,792,000 | 2,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 2,793 |
| Cost of funding earning assets | 1.8013% | 310 |
| Net interest margin | 3.2744% | 5,930 |
| Noninterest income to average assets | 1.1059% | 1,060 |
| Noninterest expense to average assets | 3.5230% | 1,924 |
| Loan and lease loss provision to assets | 0.2094% | 3,823 |
| Net operating income to assets | 0.2603% | 5,515 |
| Return on assets (ROA) | 0.2603% | 5,641 |
| Pretax return on assets | 0.2810% | 5,708 |
| Return on Equity (ROE) | 5.2947% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.2947% | 2,816 |
| Net charge-offs to loans | 1.2992% | 1,184 |
| Credit loss provision to net charge-offs | 21.9900% | 5,108 |
| Earnings coverage of net charge-offs (x) | 0.5151% | 4,920 |
| Efficiency ratio | 86.3519% | 1,563 |
| Assets per employee ($millions) | 3.1070% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3422% | 675 |
| Loan loss allowance to noncurrent loans | 45.1955% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 6.2601% | 878 |
| Noncurrent loans to loans | 7.3950% | 658 |
| Net loans and leases to total assets | 70.6102% | 2,089 |
| Net loans and leases to deposits | 86.4815% | 1,720 |
| Net loans and leases to core deposits | 93.9446% | 1,899 |
| Total domestic deposits to total assets | 81.6477% | 5,299 |
| Equity capital to assets | 5.1748% | 7,315 |
| Core capital (leverage) ratio | 4.7532% | 7,319 |
| Tier 1 risk-based capital ratio | 7.6093% | 7,275 |
| Total risk-based capital ratio | 8.8906% | 7,279 |
| Memoranda: | ||
| Average total assets | $251,207,000 | 2,534 |
| Average earning assets | $223,063,670 | 2,610 |
| Average equity | $12,352,000 | 4,464 |
| Average total loans | $184,106,670 | 2,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 2,721 |
| Cost of funding earning assets | 1.8302% | 338 |
| Net interest margin | 3.2539% | 5,912 |
| Noninterest income to average assets | 1.3550% | 703 |
| Noninterest expense to average assets | 3.4283% | 2,202 |
| Loan and lease loss provision to assets | 0.4068% | 2,153 |
| Net operating income to assets | 0.3661% | 5,093 |
| Return on assets (ROA) | 0.3661% | 5,177 |
| Pretax return on assets | 0.3880% | 5,377 |
| Return on Equity (ROE) | 7.6361% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.6361% | 1,871 |
| Net charge-offs to loans | 1.2769% | 1,082 |
| Credit loss provision to net charge-offs | 43.4057% | 3,884 |
| Earnings coverage of net charge-offs (x) | 0.8481% | 4,001 |
| Efficiency ratio | 79.8444% | 2,564 |
| Assets per employee ($millions) | 3.6446% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5475% | 586 |
| Loan loss allowance to noncurrent loans | 43.8983% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 6.4229% | 872 |
| Noncurrent loans to loans | 8.0811% | 612 |
| Net loans and leases to total assets | 69.3908% | 2,244 |
| Net loans and leases to deposits | 83.9665% | 2,040 |
| Net loans and leases to core deposits | 91.2714% | 2,200 |
| Total domestic deposits to total assets | 82.6410% | 5,049 |
| Equity capital to assets | 4.8538% | 7,384 |
| Core capital (leverage) ratio | 4.6696% | 7,381 |
| Tier 1 risk-based capital ratio | 7.1812% | 7,349 |
| Total risk-based capital ratio | 8.4643% | 7,352 |
| Memoranda: | ||
| Average total assets | $255,637,500 | 2,515 |
| Average earning assets | $225,328,500 | 2,595 |
| Average equity | $12,257,500 | 4,495 |
| Average total loans | $187,641,000 | 2,215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 2,125 |
| Cost of funding earning assets | 2.2911% | 217 |
| Net interest margin | 3.2485% | 6,139 |
| Noninterest income to average assets | 1.0662% | 1,317 |
| Noninterest expense to average assets | 3.4664% | 2,260 |
| Loan and lease loss provision to assets | 4.3133% | 134 |
| Net operating income to assets | -3.9765% | 7,436 |
| Return on assets (ROA) | -3.9482% | 7,443 |
| Pretax return on assets | -3.8534% | 7,415 |
| Return on Equity (ROE) | -64.5514% | 7,502 |
| Retained earnings to average equity (ytd only) | -64.5514% | 7,500 |
| Net charge-offs to loans | 4.9169% | 185 |
| Credit loss provision to net charge-offs | 110.1281% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1102% | 6,010 |
| Efficiency ratio | 87.5346% | 1,517 |
| Assets per employee ($millions) | 3.6594% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5725% | 564 |
| Loan loss allowance to noncurrent loans | 44.2192% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 6.6495% | 851 |
| Noncurrent loans to loans | 8.0791% | 639 |
| Net loans and leases to total assets | 72.1795% | 2,064 |
| Net loans and leases to deposits | 89.6929% | 1,568 |
| Net loans and leases to core deposits | 99.8272% | 1,633 |
| Total domestic deposits to total assets | 80.4740% | 5,695 |
| Equity capital to assets | 4.7362% | 7,454 |
| Core capital (leverage) ratio | 4.3617% | 7,472 |
| Tier 1 risk-based capital ratio | 6.7932% | 7,443 |
| Total risk-based capital ratio | 8.0778% | 7,442 |
| Memoranda: | ||
| Average total assets | $268,982,000 | 2,369 |
| Average earning assets | $234,476,800 | 2,488 |
| Average equity | $16,452,000 | 3,678 |
| Average total loans | $214,261,200 | 2,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 1,971 |
| Cost of funding earning assets | 2.3420% | 236 |
| Net interest margin | 3.2824% | 6,075 |
| Noninterest income to average assets | 1.1462% | 1,067 |
| Noninterest expense to average assets | 3.3794% | 2,357 |
| Loan and lease loss provision to assets | 5.6866% | 62 |
| Net operating income to assets | -5.1091% | 7,653 |
| Return on assets (ROA) | -5.0718% | 7,660 |
| Pretax return on assets | -5.0444% | 7,646 |
| Return on Equity (ROE) | -78.7417% | 7,657 |
| Retained earnings to average equity (ytd only) | -78.7417% | 7,656 |
| Net charge-offs to loans | 4.6774% | 201 |
| Credit loss provision to net charge-offs | 150.4926% | 2,585 |
| Earnings coverage of net charge-offs (x) | 0.1601% | 5,861 |
| Efficiency ratio | 83.4645% | 1,895 |
| Assets per employee ($millions) | 3.5935% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6237% | 233 |
| Loan loss allowance to noncurrent loans | 36.7454% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 10.5278% | 362 |
| Noncurrent loans to loans | 12.5832% | 255 |
| Net loans and leases to total assets | 77.1576% | 1,187 |
| Net loans and leases to deposits | 98.8160% | 740 |
| Net loans and leases to core deposits | 109.7488% | 1,047 |
| Total domestic deposits to total assets | 78.0821% | 6,239 |
| Equity capital to assets | 4.8343% | 7,591 |
| Core capital (leverage) ratio | 4.3646% | 7,602 |
| Tier 1 risk-based capital ratio | 5.8421% | 7,610 |
| Total risk-based capital ratio | 7.1384% | 7,610 |
| Memoranda: | ||
| Average total assets | $272,188,500 | 2,375 |
| Average earning assets | $235,348,000 | 2,517 |
| Average equity | $17,532,000 | 3,548 |
| Average total loans | $219,891,000 | 2,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7468% | 1,562 |
| Cost of funding earning assets | 2.3874% | 246 |
| Net interest margin | 3.3594% | 5,800 |
| Noninterest income to average assets | 1.1559% | 966 |
| Noninterest expense to average assets | 3.3346% | 2,444 |
| Loan and lease loss provision to assets | 6.4227% | 66 |
| Net operating income to assets | -5.7389% | 7,726 |
| Return on assets (ROA) | -5.7122% | 7,729 |
| Pretax return on assets | -5.6840% | 7,712 |
| Return on Equity (ROE) | -82.2839% | 7,706 |
| Retained earnings to average equity (ytd only) | -82.2839% | 7,704 |
| Net charge-offs to loans | 4.3739% | 268 |
| Credit loss provision to net charge-offs | 181.8461% | 2,160 |
| Earnings coverage of net charge-offs (x) | 0.2016% | 5,522 |
| Efficiency ratio | 81.1004% | 2,289 |
| Assets per employee ($millions) | 3.0214% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5019% | 254 |
| Loan loss allowance to noncurrent loans | 37.5566% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 10.3778% | 372 |
| Noncurrent loans to loans | 11.9870% | 290 |
| Net loans and leases to total assets | 78.9408% | 969 |
| Net loans and leases to deposits | 102.9352% | 538 |
| Net loans and leases to core deposits | 116.5741% | 823 |
| Total domestic deposits to total assets | 76.6898% | 6,565 |
| Equity capital to assets | 5.6745% | 7,574 |
| Core capital (leverage) ratio | 4.9049% | 7,616 |
| Tier 1 risk-based capital ratio | 6.8047% | 7,618 |
| Total risk-based capital ratio | 8.0437% | 7,623 |
| Memoranda: | ||
| Average total assets | $276,673,330 | 2,358 |
| Average earning assets | $238,081,670 | 2,500 |
| Average equity | $19,206,670 | 3,277 |
| Average total loans | $223,417,670 | 1,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8885% | 1,222 |
| Cost of funding earning assets | 2.4195% | 282 |
| Net interest margin | 3.4690% | 5,290 |
| Noninterest income to average assets | 1.2511% | 787 |
| Noninterest expense to average assets | 3.3190% | 2,468 |
| Loan and lease loss provision to assets | 2.6024% | 399 |
| Net operating income to assets | -1.7561% | 7,402 |
| Return on assets (ROA) | -1.7039% | 7,391 |
| Pretax return on assets | -1.6715% | 7,307 |
| Return on Equity (ROE) | -22.6302% | 7,477 |
| Retained earnings to average equity (ytd only) | -22.6302% | 7,430 |
| Net charge-offs to loans | 2.4019% | 697 |
| Credit loss provision to net charge-offs | 135.6618% | 2,605 |
| Earnings coverage of net charge-offs (x) | 0.4581% | 4,614 |
| Efficiency ratio | 77.7890% | 2,933 |
| Assets per employee ($millions) | 3.1809% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7935% | 992 |
| Loan loss allowance to noncurrent loans | 33.9490% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 6.9012% | 788 |
| Noncurrent loans to loans | 8.2286% | 646 |
| Net loans and leases to total assets | 76.1858% | 1,502 |
| Net loans and leases to deposits | 99.8147% | 767 |
| Net loans and leases to core deposits | 123.6890% | 653 |
| Total domestic deposits to total assets | 76.3273% | 6,696 |
| Equity capital to assets | 7.5101% | 7,068 |
| Core capital (leverage) ratio | 7.0952% | 7,177 |
| Tier 1 risk-based capital ratio | 9.3489% | 7,373 |
| Total risk-based capital ratio | 10.6199% | 7,366 |
| Memoranda: | ||
| Average total assets | $283,580,500 | 2,356 |
| Average earning assets | $240,875,500 | 2,529 |
| Average equity | $21,352,000 | 3,021 |
| Average total loans | $226,484,000 | 2,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2296% | 1,165 |
| Cost of funding earning assets | 2.8490% | 379 |
| Net interest margin | 3.3806% | 5,445 |
| Noninterest income to average assets | 1.2522% | 963 |
| Noninterest expense to average assets | 6.3244% | 275 |
| Loan and lease loss provision to assets | 4.5142% | 260 |
| Net operating income to assets | -6.4913% | 7,861 |
| Return on assets (ROA) | -6.4880% | 7,855 |
| Pretax return on assets | -6.6385% | 7,844 |
| Return on Equity (ROE) | -54.8052% | 7,723 |
| Retained earnings to average equity (ytd only) | -54.8052% | 7,718 |
| Net charge-offs to loans | 4.2416% | 362 |
| Credit loss provision to net charge-offs | 129.7910% | 3,943 |
| Earnings coverage of net charge-offs (x) | -0.6118% | 6,761 |
| Efficiency ratio | 72.0387% | 4,255 |
| Assets per employee ($millions) | 3.1559% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5298% | 1,191 |
| Loan loss allowance to noncurrent loans | 35.4938% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 6.4106% | 861 |
| Noncurrent loans to loans | 7.1275% | 776 |
| Net loans and leases to total assets | 79.3263% | 1,127 |
| Net loans and leases to deposits | 104.8365% | 607 |
| Net loans and leases to core deposits | 130.0093% | 1,286 |
| Total domestic deposits to total assets | 75.6667% | 6,745 |
| Equity capital to assets | 7.5492% | 6,987 |
| Core capital (leverage) ratio | 6.6906% | 7,415 |
| Tier 1 risk-based capital ratio | 9.3218% | 7,320 |
| Total risk-based capital ratio | 10.5896% | 7,293 |
| Memoranda: | ||
| Average total assets | $295,713,600 | 2,240 |
| Average earning assets | $257,560,600 | 2,349 |
| Average equity | $35,007,600 | 1,921 |
| Average total loans | $242,481,000 | 1,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2284% | 1,300 |
| Cost of funding earning assets | 2.8991% | 458 |
| Net interest margin | 3.3293% | 5,530 |
| Noninterest income to average assets | 1.4459% | 710 |
| Noninterest expense to average assets | 3.0160% | 3,983 |
| Loan and lease loss provision to assets | 2.4104% | 701 |
| Net operating income to assets | -0.8050% | 6,696 |
| Return on assets (ROA) | -0.8046% | 6,697 |
| Pretax return on assets | -1.0682% | 6,733 |
| Return on Equity (ROE) | -6.2646% | 6,582 |
| Retained earnings to average equity (ytd only) | -6.2646% | 6,418 |
| Net charge-offs to loans | 1.1628% | 1,743 |
| Credit loss provision to net charge-offs | 252.3543% | 1,701 |
| Earnings coverage of net charge-offs (x) | 1.4047% | 4,729 |
| Efficiency ratio | 67.9951% | 4,977 |
| Assets per employee ($millions) | 3.4369% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 1,063 |
| Loan loss allowance to noncurrent loans | 49.8169% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 4.4562% | 1,378 |
| Noncurrent loans to loans | 5.0104% | 1,316 |
| Net loans and leases to total assets | 76.4454% | 1,907 |
| Net loans and leases to deposits | 108.3583% | 536 |
| Net loans and leases to core deposits | 136.7464% | 1,064 |
| Total domestic deposits to total assets | 70.5487% | 7,372 |
| Equity capital to assets | 12.6080% | 1,879 |
| Core capital (leverage) ratio | 9.0830% | 4,525 |
| Tier 1 risk-based capital ratio | 11.8121% | 5,149 |
| Total risk-based capital ratio | 12.9904% | 5,151 |
| Memoranda: | ||
| Average total assets | $299,422,500 | 2,230 |
| Average earning assets | $261,870,000 | 2,321 |
| Average equity | $38,458,500 | 1,771 |
| Average total loans | $245,953,000 | 1,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2406% | 1,357 |
| Cost of funding earning assets | 2.9592% | 523 |
| Net interest margin | 3.2814% | 5,617 |
| Noninterest income to average assets | 1.5898% | 594 |
| Noninterest expense to average assets | 3.0404% | 3,917 |
| Loan and lease loss provision to assets | 2.8008% | 542 |
| Net operating income to assets | -1.0124% | 6,996 |
| Return on assets (ROA) | -1.0119% | 6,993 |
| Pretax return on assets | -1.3456% | 7,009 |
| Return on Equity (ROE) | -7.8287% | 6,878 |
| Retained earnings to average equity (ytd only) | -7.8287% | 6,647 |
| Net charge-offs to loans | 1.0742% | 1,683 |
| Credit loss provision to net charge-offs | 312.5375% | 1,491 |
| Earnings coverage of net charge-offs (x) | 1.6231% | 4,326 |
| Efficiency ratio | 66.4122% | 5,472 |
| Assets per employee ($millions) | 3.3328% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,147 |
| Loan loss allowance to noncurrent loans | 53.9778% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.7749% | 1,616 |
| Noncurrent loans to loans | 4.1928% | 1,583 |
| Net loans and leases to total assets | 79.9049% | 1,329 |
| Net loans and leases to deposits | 118.3735% | 271 |
| Net loans and leases to core deposits | 154.5084% | 553 |
| Total domestic deposits to total assets | 67.5024% | 7,652 |
| Equity capital to assets | 12.8823% | 1,746 |
| Core capital (leverage) ratio | 9.2506% | 4,234 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,350 |
| Total risk-based capital ratio | 12.7486% | 5,301 |
| Memoranda: | ||
| Average total assets | $297,268,330 | 2,268 |
| Average earning assets | $263,180,000 | 2,320 |
| Average equity | $38,422,670 | 1,772 |
| Average total loans | $247,997,000 | 1,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2791% | 1,364 |
| Cost of funding earning assets | 3.0050% | 598 |
| Net interest margin | 3.2742% | 5,601 |
| Noninterest income to average assets | 1.5098% | 621 |
| Noninterest expense to average assets | 3.0224% | 3,663 |
| Loan and lease loss provision to assets | 0.9759% | 1,331 |
| Net operating income to assets | 0.3055% | 5,275 |
| Return on assets (ROA) | 0.3055% | 5,449 |
| Pretax return on assets | 0.4217% | 5,334 |
| Return on Equity (ROE) | 2.3595% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.3595% | 4,565 |
| Net charge-offs to loans | 0.3705% | 2,607 |
| Credit loss provision to net charge-offs | 312.5541% | 1,562 |
| Earnings coverage of net charge-offs (x) | 4.4762% | 2,876 |
| Efficiency ratio | 67.0031% | 5,145 |
| Assets per employee ($millions) | 3.4526% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,054 |
| Loan loss allowance to noncurrent loans | 47.9397% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.5668% | 2,236 |
| Noncurrent loans to loans | 2.7193% | 2,415 |
| Net loans and leases to total assets | 80.9346% | 1,215 |
| Net loans and leases to deposits | 120.7399% | 274 |
| Net loans and leases to core deposits | 158.8299% | 509 |
| Total domestic deposits to total assets | 67.0322% | 7,668 |
| Equity capital to assets | 13.4636% | 1,542 |
| Core capital (leverage) ratio | 10.5426% | 2,879 |
| Tier 1 risk-based capital ratio | 13.2185% | 4,040 |
| Total risk-based capital ratio | 14.4668% | 3,962 |
| Memoranda: | ||
| Average total assets | $295,925,500 | 2,297 |
| Average earning assets | $263,030,000 | 2,337 |
| Average equity | $38,313,500 | 1,778 |
| Average total loans | $249,381,500 | 1,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9328% | 1,298 |
| Cost of funding earning assets | 3.3993% | 709 |
| Net interest margin | 3.5335% | 5,176 |
| Noninterest income to average assets | 1.0113% | 1,542 |
| Noninterest expense to average assets | 2.9236% | 4,363 |
| Loan and lease loss provision to assets | 0.9500% | 1,557 |
| Net operating income to assets | 0.1750% | 5,928 |
| Return on assets (ROA) | 0.1755% | 5,754 |
| Pretax return on assets | 0.2466% | 5,637 |
| Return on Equity (ROE) | 1.3506% | 5,815 |
| Retained earnings to average equity (ytd only) | -5.7611% | 6,635 |
| Net charge-offs to loans | 0.7562% | 1,640 |
| Credit loss provision to net charge-offs | 149.2570% | 3,532 |
| Earnings coverage of net charge-offs (x) | 1.8789% | 5,128 |
| Efficiency ratio | 69.3452% | 4,469 |
| Assets per employee ($millions) | 3.3503% | 5,090 |
| Cash dividends to net income (ytd only)* | 526.5469% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 5,438 |
| Loan loss allowance to noncurrent loans | 105.7565% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 3,994 |
| Noncurrent loans to loans | 1.0184% | 4,548 |
| Net loans and leases to total assets | 85.6762% | 644 |
| Net loans and leases to deposits | 129.9036% | 212 |
| Net loans and leases to core deposits | 171.3717% | 381 |
| Total domestic deposits to total assets | 65.9536% | 7,664 |
| Equity capital to assets | 12.4146% | 2,057 |
| Core capital (leverage) ratio | 9.2595% | 4,354 |
| Tier 1 risk-based capital ratio | 11.3452% | 5,392 |
| Total risk-based capital ratio | 12.5433% | 5,340 |
| Memoranda: | ||
| Average total assets | $285,467,000 | 2,283 |
| Average earning assets | $251,111,000 | 2,363 |
| Average equity | $37,093,600 | 1,828 |
| Average total loans | $240,266,000 | 1,966 |