Home > Northwest Georgia Bank > Performance and Condition Ratios
Northwest Georgia Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1171% | 5,726 |
| Cost of funding earning assets | 0.4207% | 3,035 |
| Net interest margin | 2.6964% | 5,765 |
| Noninterest income to average assets | 1.1865% | 863 |
| Noninterest expense to average assets | 4.4092% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.8298% | 6,247 |
| Return on assets (ROA) | -0.8298% | 6,249 |
| Pretax return on assets | -0.8298% | 6,237 |
| Return on Equity (ROE) | -31.3189% | 6,318 |
| Retained earnings to average equity (ytd only) | -31.3189% | 6,303 |
| Net charge-offs to loans | -0.0518% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1811% | 97 |
| Assets per employee ($millions) | 2.7766% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4921% | 75 |
| Loan loss allowance to noncurrent loans | 56.2647% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 4.8184% | 242 |
| Noncurrent loans to loans | 7.9838% | 84 |
| Net loans and leases to total assets | 31.9160% | 5,983 |
| Net loans and leases to deposits | 35.2361% | 6,054 |
| Net loans and leases to core deposits | 35.4096% | 6,080 |
| Total domestic deposits to total assets | 90.5775% | 422 |
| Equity capital to assets | 2.1085% | 6,341 |
| Core capital (leverage) ratio | 3.1014% | 6,332 |
| Tier 1 risk-based capital ratio | 6.4489% | 6,317 |
| Total risk-based capital ratio | 7.7208% | 6,316 |
| Memoranda: | ||
| Average total assets | $288,760,000 | 2,247 |
| Average earning assets | $256,265,330 | 2,324 |
| Average equity | $7,650,330 | 5,231 |
| Average total loans | $100,464,330 | 3,438 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1414% | 5,735 |
| Cost of funding earning assets | 0.4388% | 2,889 |
| Net interest margin | 2.7026% | 5,801 |
| Noninterest income to average assets | 1.2449% | 738 |
| Noninterest expense to average assets | 4.4060% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7665% | 6,291 |
| Return on assets (ROA) | -0.7665% | 6,297 |
| Pretax return on assets | -0.7665% | 6,285 |
| Return on Equity (ROE) | -26.2869% | 6,374 |
| Retained earnings to average equity (ytd only) | -26.2869% | 6,323 |
| Net charge-offs to loans | -0.4820% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0606% | 123 |
| Assets per employee ($millions) | 2.8922% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4475% | 91 |
| Loan loss allowance to noncurrent loans | 55.9007% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 4.9772% | 248 |
| Noncurrent loans to loans | 7.9561% | 104 |
| Net loans and leases to total assets | 31.6679% | 6,011 |
| Net loans and leases to deposits | 35.2840% | 6,081 |
| Net loans and leases to core deposits | 35.4520% | 6,114 |
| Total domestic deposits to total assets | 89.7515% | 875 |
| Equity capital to assets | 2.9252% | 6,406 |
| Core capital (leverage) ratio | 3.2632% | 6,401 |
| Tier 1 risk-based capital ratio | 6.8707% | 6,378 |
| Total risk-based capital ratio | 8.1429% | 6,378 |
| Memoranda: | ||
| Average total assets | $290,147,500 | 2,248 |
| Average earning assets | $257,086,000 | 2,334 |
| Average equity | $8,460,500 | 5,101 |
| Average total loans | $102,912,500 | 3,397 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4708% | 5,394 |
| Cost of funding earning assets | 0.4796% | 2,883 |
| Net interest margin | 2.9912% | 5,466 |
| Noninterest income to average assets | 1.1576% | 898 |
| Noninterest expense to average assets | 4.5612% | 442 |
| Loan and lease loss provision to assets | 0.0954% | 2,557 |
| Net operating income to assets | -0.8471% | 6,353 |
| Return on assets (ROA) | -0.8220% | 6,345 |
| Pretax return on assets | -0.8220% | 6,340 |
| Return on Equity (ROE) | -42.9686% | 6,481 |
| Retained earnings to average equity (ytd only) | -42.9686% | 6,478 |
| Net charge-offs to loans | 1.2842% | 203 |
| Credit loss provision to net charge-offs | 21.5024% | 3,959 |
| Earnings coverage of net charge-offs (x) | -1.6933% | 4,828 |
| Efficiency ratio | 119.7302% | 131 |
| Assets per employee ($millions) | 2.5441% | 6,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9843% | 136 |
| Loan loss allowance to noncurrent loans | 43.3242% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 5.5737% | 224 |
| Noncurrent loans to loans | 9.1964% | 81 |
| Net loans and leases to total assets | 36.4129% | 5,933 |
| Net loans and leases to deposits | 40.7689% | 6,009 |
| Net loans and leases to core deposits | 40.9284% | 6,074 |
| Total domestic deposits to total assets | 89.3154% | 1,063 |
| Equity capital to assets | 2.9062% | 6,494 |
| Core capital (leverage) ratio | 3.5377% | 6,485 |
| Tier 1 risk-based capital ratio | 6.9038% | 6,466 |
| Total risk-based capital ratio | 8.1728% | 6,465 |
| Memoranda: | ||
| Average total assets | $326,884,600 | 1,987 |
| Average earning assets | $289,821,200 | 2,069 |
| Average equity | $6,253,400 | 5,569 |
| Average total loans | $112,992,400 | 3,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 5,394 |
| Cost of funding earning assets | 0.4865% | 2,893 |
| Net interest margin | 3.0120% | 5,476 |
| Noninterest income to average assets | 0.9159% | 1,464 |
| Noninterest expense to average assets | 4.5256% | 451 |
| Loan and lease loss provision to assets | 0.1231% | 2,029 |
| Net operating income to assets | -1.0611% | 6,470 |
| Return on assets (ROA) | -1.0299% | 6,464 |
| Pretax return on assets | -1.0299% | 6,450 |
| Return on Equity (ROE) | -60.3859% | 6,571 |
| Retained earnings to average equity (ytd only) | -60.3859% | 6,570 |
| Net charge-offs to loans | 1.4921% | 160 |
| Credit loss provision to net charge-offs | 24.3560% | 3,531 |
| Earnings coverage of net charge-offs (x) | -1.8564% | 4,561 |
| Efficiency ratio | 126.1462% | 101 |
| Assets per employee ($millions) | 2.4974% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0915% | 154 |
| Loan loss allowance to noncurrent loans | 47.2776% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 5.6057% | 263 |
| Noncurrent loans to loans | 8.6542% | 105 |
| Net loans and leases to total assets | 35.2931% | 6,057 |
| Net loans and leases to deposits | 39.1127% | 6,148 |
| Net loans and leases to core deposits | 39.2596% | 6,197 |
| Total domestic deposits to total assets | 90.2344% | 635 |
| Equity capital to assets | 2.0916% | 6,573 |
| Core capital (leverage) ratio | 3.2327% | 6,565 |
| Tier 1 risk-based capital ratio | 6.7709% | 6,540 |
| Total risk-based capital ratio | 8.0409% | 6,539 |
| Memoranda: | ||
| Average total assets | $338,006,500 | 1,932 |
| Average earning assets | $299,818,500 | 2,013 |
| Average equity | $5,765,000 | 5,723 |
| Average total loans | $114,466,500 | 3,156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,518 |
| Cost of funding earning assets | 0.4933% | 2,897 |
| Net interest margin | 2.9575% | 5,619 |
| Noninterest income to average assets | 1.1287% | 925 |
| Noninterest expense to average assets | 4.3752% | 514 |
| Loan and lease loss provision to assets | 0.1771% | 1,382 |
| Net operating income to assets | -0.7939% | 6,504 |
| Return on assets (ROA) | -0.7485% | 6,494 |
| Pretax return on assets | -0.7485% | 6,480 |
| Return on Equity (ROE) | -46.8395% | 6,634 |
| Retained earnings to average equity (ytd only) | -46.8395% | 6,624 |
| Net charge-offs to loans | 1.3703% | 214 |
| Credit loss provision to net charge-offs | 39.0977% | 2,941 |
| Earnings coverage of net charge-offs (x) | -1.3622% | 4,223 |
| Efficiency ratio | 116.4125% | 173 |
| Assets per employee ($millions) | 2.5573% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3746% | 133 |
| Loan loss allowance to noncurrent loans | 52.4241% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 5.2758% | 323 |
| Noncurrent loans to loans | 8.3446% | 116 |
| Net loans and leases to total assets | 31.8606% | 6,249 |
| Net loans and leases to deposits | 34.9898% | 6,323 |
| Net loans and leases to core deposits | 35.2749% | 6,346 |
| Total domestic deposits to total assets | 91.0569% | 400 |
| Equity capital to assets | 2.3075% | 6,641 |
| Core capital (leverage) ratio | 3.3034% | 6,629 |
| Tier 1 risk-based capital ratio | 7.3237% | 6,585 |
| Total risk-based capital ratio | 8.5966% | 6,583 |
| Memoranda: | ||
| Average total assets | $352,442,670 | 1,861 |
| Average earning assets | $313,374,670 | 1,915 |
| Average equity | $5,632,000 | 5,799 |
| Average total loans | $116,473,670 | 3,126 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 5,423 |
| Cost of funding earning assets | 0.5023% | 2,882 |
| Net interest margin | 2.9987% | 5,522 |
| Noninterest income to average assets | 0.9081% | 1,365 |
| Noninterest expense to average assets | 4.3047% | 548 |
| Loan and lease loss provision to assets | 0.3468% | 514 |
| Net operating income to assets | -1.0759% | 6,582 |
| Return on assets (ROA) | -1.0615% | 6,576 |
| Pretax return on assets | -1.0615% | 6,568 |
| Return on Equity (ROE) | -83.8915% | 6,716 |
| Retained earnings to average equity (ytd only) | -83.8915% | 6,709 |
| Net charge-offs to loans | 2.6875% | 84 |
| Credit loss provision to net charge-offs | 39.1960% | 2,305 |
| Earnings coverage of net charge-offs (x) | -0.8241% | 3,502 |
| Efficiency ratio | 120.3917% | 172 |
| Assets per employee ($millions) | 2.7694% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2695% | 155 |
| Loan loss allowance to noncurrent loans | 51.2869% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 5.1501% | 384 |
| Noncurrent loans to loans | 8.3247% | 150 |
| Net loans and leases to total assets | 30.1894% | 6,346 |
| Net loans and leases to deposits | 32.9222% | 6,401 |
| Net loans and leases to core deposits | 33.1950% | 6,429 |
| Total domestic deposits to total assets | 91.6992% | 329 |
| Equity capital to assets | 1.4348% | 6,721 |
| Core capital (leverage) ratio | 3.2002% | 6,698 |
| Tier 1 risk-based capital ratio | 7.2166% | 6,648 |
| Total risk-based capital ratio | 8.4876% | 6,648 |
| Memoranda: | ||
| Average total assets | $359,885,000 | 1,827 |
| Average earning assets | $320,136,500 | 1,885 |
| Average equity | $4,553,500 | 6,116 |
| Average total loans | $118,476,500 | 3,102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 5,898 |
| Cost of funding earning assets | 0.6768% | 1,983 |
| Net interest margin | 2.6924% | 6,151 |
| Noninterest income to average assets | 0.2703% | 5,419 |
| Noninterest expense to average assets | 4.4396% | 551 |
| Loan and lease loss provision to assets | 0.1498% | 2,406 |
| Net operating income to assets | -1.9679% | 6,714 |
| Return on assets (ROA) | -1.7592% | 6,693 |
| Pretax return on assets | -1.7592% | 6,688 |
| Return on Equity (ROE) | -59.0193% | 6,781 |
| Retained earnings to average equity (ytd only) | -59.0193% | 6,778 |
| Net charge-offs to loans | 1.0266% | 555 |
| Credit loss provision to net charge-offs | 41.8182% | 4,000 |
| Earnings coverage of net charge-offs (x) | -5.0748% | 5,393 |
| Efficiency ratio | 169.3521% | 46 |
| Assets per employee ($millions) | 2.6237% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4432% | 143 |
| Loan loss allowance to noncurrent loans | 45.5165% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 6.3116% | 292 |
| Noncurrent loans to loans | 9.7617% | 115 |
| Net loans and leases to total assets | 32.8237% | 6,349 |
| Net loans and leases to deposits | 35.7543% | 6,432 |
| Net loans and leases to core deposits | 35.9554% | 6,473 |
| Total domestic deposits to total assets | 91.8036% | 330 |
| Equity capital to assets | 1.0903% | 6,804 |
| Core capital (leverage) ratio | 3.5141% | 6,762 |
| Tier 1 risk-based capital ratio | 7.5054% | 6,710 |
| Total risk-based capital ratio | 8.7838% | 6,709 |
| Memoranda: | ||
| Average total assets | $399,161,000 | 1,654 |
| Average earning assets | $348,572,400 | 1,716 |
| Average equity | $11,897,800 | 4,458 |
| Average total loans | $139,291,000 | 2,714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2746% | 6,099 |
| Cost of funding earning assets | 0.7167% | 1,834 |
| Net interest margin | 2.5579% | 6,368 |
| Noninterest income to average assets | 0.3577% | 4,833 |
| Noninterest expense to average assets | 4.3703% | 594 |
| Loan and lease loss provision to assets | 0.1943% | 1,876 |
| Net operating income to assets | -1.9795% | 6,802 |
| Return on assets (ROA) | -1.7261% | 6,782 |
| Pretax return on assets | -1.7261% | 6,777 |
| Return on Equity (ROE) | -50.9380% | 6,862 |
| Retained earnings to average equity (ytd only) | -50.9380% | 6,859 |
| Net charge-offs to loans | 1.1737% | 467 |
| Credit loss provision to net charge-offs | 47.2727% | 3,572 |
| Earnings coverage of net charge-offs (x) | -4.3439% | 5,130 |
| Efficiency ratio | 169.0587% | 52 |
| Assets per employee ($millions) | 2.5851% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0423% | 230 |
| Loan loss allowance to noncurrent loans | 41.8904% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 7.0375% | 286 |
| Noncurrent loans to loans | 9.6496% | 150 |
| Net loans and leases to total assets | 35.7753% | 6,288 |
| Net loans and leases to deposits | 39.4230% | 6,402 |
| Net loans and leases to core deposits | 39.6375% | 6,458 |
| Total domestic deposits to total assets | 90.7472% | 634 |
| Equity capital to assets | 2.3059% | 6,872 |
| Core capital (leverage) ratio | 3.8614% | 6,832 |
| Tier 1 risk-based capital ratio | 7.6975% | 6,776 |
| Total risk-based capital ratio | 8.9725% | 6,776 |
| Memoranda: | ||
| Average total assets | $410,400,250 | 1,617 |
| Average earning assets | $357,369,000 | 1,689 |
| Average equity | $13,906,750 | 4,133 |
| Average total loans | $143,696,500 | 2,660 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2015% | 6,226 |
| Cost of funding earning assets | 0.7471% | 1,729 |
| Net interest margin | 2.4545% | 6,494 |
| Noninterest income to average assets | -0.1094% | 6,853 |
| Noninterest expense to average assets | 4.3153% | 616 |
| Loan and lease loss provision to assets | 0.1043% | 3,052 |
| Net operating income to assets | -2.4011% | 6,872 |
| Return on assets (ROA) | -2.0331% | 6,855 |
| Pretax return on assets | -2.0331% | 6,848 |
| Return on Equity (ROE) | -54.9010% | 6,912 |
| Retained earnings to average equity (ytd only) | -54.9010% | 6,908 |
| Net charge-offs to loans | 0.9268% | 669 |
| Credit loss provision to net charge-offs | 32.7407% | 3,543 |
| Earnings coverage of net charge-offs (x) | -7.2133% | 4,845 |
| Efficiency ratio | 213.7883% | 28 |
| Assets per employee ($millions) | 2.6379% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1540% | 224 |
| Loan loss allowance to noncurrent loans | 34.2613% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 8.0088% | 253 |
| Noncurrent loans to loans | 12.1245% | 89 |
| Net loans and leases to total assets | 34.6512% | 6,378 |
| Net loans and leases to deposits | 37.9495% | 6,487 |
| Net loans and leases to core deposits | 38.3866% | 6,526 |
| Total domestic deposits to total assets | 91.3088% | 442 |
| Equity capital to assets | 2.0686% | 6,927 |
| Core capital (leverage) ratio | 3.5702% | 6,884 |
| Tier 1 risk-based capital ratio | 7.4672% | 6,824 |
| Total risk-based capital ratio | 8.7420% | 6,824 |
| Memoranda: | ||
| Average total assets | $423,979,330 | 1,573 |
| Average earning assets | $367,574,000 | 1,645 |
| Average equity | $15,701,000 | 3,821 |
| Average total loans | $145,655,670 | 2,637 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0315% | 6,480 |
| Cost of funding earning assets | 0.7685% | 1,718 |
| Net interest margin | 2.2630% | 6,713 |
| Noninterest income to average assets | 0.4971% | 3,790 |
| Noninterest expense to average assets | 3.9973% | 888 |
| Loan and lease loss provision to assets | 0.3013% | 1,147 |
| Net operating income to assets | -1.8358% | 6,915 |
| Return on assets (ROA) | -1.2115% | 6,857 |
| Pretax return on assets | -1.2115% | 6,845 |
| Return on Equity (ROE) | -27.4530% | 6,927 |
| Retained earnings to average equity (ytd only) | -27.4530% | 6,889 |
| Net charge-offs to loans | 1.8110% | 268 |
| Credit loss provision to net charge-offs | 49.5549% | 2,608 |
| Earnings coverage of net charge-offs (x) | -2.5237% | 4,040 |
| Efficiency ratio | 162.3077% | 67 |
| Assets per employee ($millions) | 2.7734% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0837% | 266 |
| Loan loss allowance to noncurrent loans | 35.8977% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 7.5841% | 349 |
| Noncurrent loans to loans | 11.3760% | 158 |
| Net loans and leases to total assets | 31.8149% | 6,521 |
| Net loans and leases to deposits | 37.7764% | 6,512 |
| Net loans and leases to core deposits | 38.2738% | 6,550 |
| Total domestic deposits to total assets | 84.2190% | 4,385 |
| Equity capital to assets | 3.9729% | 6,938 |
| Core capital (leverage) ratio | 3.9661% | 6,938 |
| Tier 1 risk-based capital ratio | 8.7525% | 6,827 |
| Total risk-based capital ratio | 10.0270% | 6,829 |
| Memoranda: | ||
| Average total assets | $443,400,000 | 1,514 |
| Average earning assets | $385,159,000 | 1,592 |
| Average equity | $19,568,000 | 3,304 |
| Average total loans | $148,864,000 | 2,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 5,840 |
| Cost of funding earning assets | 1.0247% | 1,231 |
| Net interest margin | 2.7671% | 6,428 |
| Noninterest income to average assets | 0.3503% | 4,967 |
| Noninterest expense to average assets | 3.9294% | 1,067 |
| Loan and lease loss provision to assets | 0.8256% | 578 |
| Net operating income to assets | -1.9775% | 6,922 |
| Return on assets (ROA) | -1.5771% | 6,891 |
| Pretax return on assets | -1.5771% | 6,869 |
| Return on Equity (ROE) | -28.2465% | 6,946 |
| Retained earnings to average equity (ytd only) | -28.2465% | 6,923 |
| Net charge-offs to loans | 4.0867% | 65 |
| Credit loss provision to net charge-offs | 52.5130% | 4,630 |
| Earnings coverage of net charge-offs (x) | -0.7327% | 5,717 |
| Efficiency ratio | 141.4726% | 115 |
| Assets per employee ($millions) | 2.8036% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0691% | 271 |
| Loan loss allowance to noncurrent loans | 33.0841% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 7.7565% | 377 |
| Noncurrent loans to loans | 12.2993% | 145 |
| Net loans and leases to total assets | 32.5809% | 6,604 |
| Net loans and leases to deposits | 39.8789% | 6,560 |
| Net loans and leases to core deposits | 40.3991% | 6,599 |
| Total domestic deposits to total assets | 81.6996% | 5,195 |
| Equity capital to assets | 4.8379% | 6,961 |
| Core capital (leverage) ratio | 4.2754% | 6,969 |
| Tier 1 risk-based capital ratio | 9.5047% | 6,801 |
| Total risk-based capital ratio | 10.7817% | 6,784 |
| Memoranda: | ||
| Average total assets | $488,495,800 | 1,363 |
| Average earning assets | $428,501,200 | 1,409 |
| Average equity | $27,274,200 | 2,463 |
| Average total loans | $187,926,800 | 2,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 5,760 |
| Cost of funding earning assets | 1.0833% | 1,134 |
| Net interest margin | 2.8286% | 6,463 |
| Noninterest income to average assets | 0.3554% | 4,980 |
| Noninterest expense to average assets | 3.8868% | 1,077 |
| Loan and lease loss provision to assets | 1.0819% | 362 |
| Net operating income to assets | -2.1275% | 7,055 |
| Return on assets (ROA) | -1.6036% | 6,995 |
| Pretax return on assets | -1.6036% | 6,971 |
| Return on Equity (ROE) | -27.8781% | 7,053 |
| Retained earnings to average equity (ytd only) | -27.8781% | 7,044 |
| Net charge-offs to loans | 4.9884% | 42 |
| Credit loss provision to net charge-offs | 54.9150% | 4,282 |
| Earnings coverage of net charge-offs (x) | -0.5308% | 5,507 |
| Efficiency ratio | 136.8059% | 128 |
| Assets per employee ($millions) | 2.7585% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7873% | 361 |
| Loan loss allowance to noncurrent loans | 33.7027% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 8.6507% | 329 |
| Noncurrent loans to loans | 11.2372% | 193 |
| Net loans and leases to total assets | 37.1144% | 6,475 |
| Net loans and leases to deposits | 45.9018% | 6,392 |
| Net loans and leases to core deposits | 46.5952% | 6,484 |
| Total domestic deposits to total assets | 80.8560% | 5,407 |
| Equity capital to assets | 5.6623% | 7,007 |
| Core capital (leverage) ratio | 4.4082% | 7,062 |
| Tier 1 risk-based capital ratio | 9.6581% | 6,879 |
| Total risk-based capital ratio | 10.9337% | 6,859 |
| Memoranda: | ||
| Average total assets | $497,775,250 | 1,361 |
| Average earning assets | $437,421,000 | 1,396 |
| Average equity | $28,633,500 | 2,361 |
| Average total loans | $196,583,250 | 2,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 5,808 |
| Cost of funding earning assets | 1.1306% | 1,092 |
| Net interest margin | 2.8109% | 6,557 |
| Noninterest income to average assets | 0.7002% | 2,669 |
| Noninterest expense to average assets | 3.7597% | 1,274 |
| Loan and lease loss provision to assets | 1.0303% | 424 |
| Net operating income to assets | -1.6056% | 7,033 |
| Return on assets (ROA) | -1.0517% | 6,941 |
| Pretax return on assets | -1.0517% | 6,910 |
| Return on Equity (ROE) | -18.2006% | 7,017 |
| Retained earnings to average equity (ytd only) | -18.2006% | 6,991 |
| Net charge-offs to loans | 4.4142% | 94 |
| Credit loss provision to net charge-offs | 58.7048% | 3,833 |
| Earnings coverage of net charge-offs (x) | -0.3278% | 5,195 |
| Efficiency ratio | 118.0663% | 240 |
| Assets per employee ($millions) | 2.9418% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2627% | 287 |
| Loan loss allowance to noncurrent loans | 38.6669% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 8.3153% | 404 |
| Noncurrent loans to loans | 11.0242% | 215 |
| Net loans and leases to total assets | 36.4592% | 6,587 |
| Net loans and leases to deposits | 45.0357% | 6,502 |
| Net loans and leases to core deposits | 45.6220% | 6,588 |
| Total domestic deposits to total assets | 80.9562% | 5,481 |
| Equity capital to assets | 5.8344% | 7,038 |
| Core capital (leverage) ratio | 4.7801% | 7,083 |
| Tier 1 risk-based capital ratio | 10.4857% | 6,699 |
| Total risk-based capital ratio | 11.7659% | 6,673 |
| Memoranda: | ||
| Average total assets | $513,820,330 | 1,317 |
| Average earning assets | $454,084,000 | 1,360 |
| Average equity | $29,691,330 | 2,279 |
| Average total loans | $204,294,330 | 1,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 5,823 |
| Cost of funding earning assets | 1.1754% | 1,084 |
| Net interest margin | 2.8074% | 6,629 |
| Noninterest income to average assets | 0.6738% | 2,791 |
| Noninterest expense to average assets | 3.8463% | 1,139 |
| Loan and lease loss provision to assets | 0.9366% | 460 |
| Net operating income to assets | -1.6149% | 7,110 |
| Return on assets (ROA) | -1.0611% | 7,020 |
| Pretax return on assets | -1.0611% | 6,988 |
| Return on Equity (ROE) | -18.4465% | 7,097 |
| Retained earnings to average equity (ytd only) | -18.4465% | 7,025 |
| Net charge-offs to loans | 0.8213% | 1,249 |
| Credit loss provision to net charge-offs | 281.1927% | 1,043 |
| Earnings coverage of net charge-offs (x) | -2.0367% | 4,614 |
| Efficiency ratio | 121.4131% | 205 |
| Assets per employee ($millions) | 3.0608% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2198% | 145 |
| Loan loss allowance to noncurrent loans | 34.8515% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 8.9285% | 393 |
| Noncurrent loans to loans | 14.9774% | 121 |
| Net loans and leases to total assets | 37.0339% | 6,551 |
| Net loans and leases to deposits | 45.1773% | 6,483 |
| Net loans and leases to core deposits | 45.6971% | 6,588 |
| Total domestic deposits to total assets | 81.9746% | 5,305 |
| Equity capital to assets | 5.5610% | 7,103 |
| Core capital (leverage) ratio | 4.7947% | 7,133 |
| Tier 1 risk-based capital ratio | 10.3822% | 6,768 |
| Total risk-based capital ratio | 11.6750% | 6,754 |
| Memoranda: | ||
| Average total assets | $523,618,500 | 1,294 |
| Average earning assets | $465,198,000 | 1,337 |
| Average equity | $30,119,500 | 2,257 |
| Average total loans | $212,335,000 | 1,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 5,479 |
| Cost of funding earning assets | 1.5118% | 683 |
| Net interest margin | 2.8738% | 6,730 |
| Noninterest income to average assets | 0.5508% | 3,503 |
| Noninterest expense to average assets | 3.5117% | 1,952 |
| Loan and lease loss provision to assets | 1.9284% | 325 |
| Net operating income to assets | -2.2956% | 7,077 |
| Return on assets (ROA) | -2.1596% | 7,066 |
| Pretax return on assets | -2.1596% | 7,057 |
| Return on Equity (ROE) | -36.4714% | 7,143 |
| Retained earnings to average equity (ytd only) | -36.4714% | 7,137 |
| Net charge-offs to loans | 2.6401% | 421 |
| Credit loss provision to net charge-offs | 157.3756% | 1,776 |
| Earnings coverage of net charge-offs (x) | -0.2997% | 6,004 |
| Efficiency ratio | 111.6786% | 405 |
| Assets per employee ($millions) | 3.0814% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4899% | 258 |
| Loan loss allowance to noncurrent loans | 30.8521% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 8.1280% | 493 |
| Noncurrent loans to loans | 14.5529% | 137 |
| Net loans and leases to total assets | 40.1412% | 6,537 |
| Net loans and leases to deposits | 49.2024% | 6,423 |
| Net loans and leases to core deposits | 51.1277% | 6,471 |
| Total domestic deposits to total assets | 81.5838% | 5,271 |
| Equity capital to assets | 5.9432% | 7,098 |
| Core capital (leverage) ratio | 5.0540% | 7,142 |
| Tier 1 risk-based capital ratio | 10.6050% | 6,641 |
| Total risk-based capital ratio | 11.8924% | 6,606 |
| Memoranda: | ||
| Average total assets | $541,070,600 | 1,224 |
| Average earning assets | $488,349,400 | 1,249 |
| Average equity | $32,038,800 | 2,076 |
| Average total loans | $251,125,800 | 1,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 5,395 |
| Cost of funding earning assets | 1.5933% | 600 |
| Net interest margin | 2.8656% | 6,808 |
| Noninterest income to average assets | 0.8139% | 1,983 |
| Noninterest expense to average assets | 3.4842% | 1,981 |
| Loan and lease loss provision to assets | 2.0120% | 269 |
| Net operating income to assets | -2.0934% | 7,151 |
| Return on assets (ROA) | -1.9135% | 7,133 |
| Pretax return on assets | -1.9135% | 7,109 |
| Return on Equity (ROE) | -32.3436% | 7,212 |
| Retained earnings to average equity (ytd only) | -32.3436% | 7,205 |
| Net charge-offs to loans | 1.9551% | 657 |
| Credit loss provision to net charge-offs | 216.8072% | 1,318 |
| Earnings coverage of net charge-offs (x) | -0.0877% | 5,651 |
| Efficiency ratio | 102.3924% | 596 |
| Assets per employee ($millions) | 2.9501% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4079% | 283 |
| Loan loss allowance to noncurrent loans | 33.2753% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 8.3743% | 507 |
| Noncurrent loans to loans | 13.2469% | 192 |
| Net loans and leases to total assets | 44.6797% | 6,266 |
| Net loans and leases to deposits | 55.6785% | 6,058 |
| Net loans and leases to core deposits | 59.0014% | 6,057 |
| Total domestic deposits to total assets | 80.2459% | 5,659 |
| Equity capital to assets | 6.8045% | 7,089 |
| Core capital (leverage) ratio | 5.4375% | 7,192 |
| Tier 1 risk-based capital ratio | 11.5197% | 6,232 |
| Total risk-based capital ratio | 12.8074% | 6,194 |
| Memoranda: | ||
| Average total assets | $545,377,500 | 1,214 |
| Average earning assets | $492,722,250 | 1,236 |
| Average equity | $32,265,250 | 2,059 |
| Average total loans | $258,866,750 | 1,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 5,612 |
| Cost of funding earning assets | 1.6066% | 677 |
| Net interest margin | 2.8157% | 6,904 |
| Noninterest income to average assets | 0.7676% | 2,167 |
| Noninterest expense to average assets | 3.2942% | 2,590 |
| Loan and lease loss provision to assets | 1.7970% | 374 |
| Net operating income to assets | -1.7726% | 7,155 |
| Return on assets (ROA) | -1.7726% | 7,162 |
| Pretax return on assets | -1.7726% | 7,129 |
| Return on Equity (ROE) | -31.4015% | 7,262 |
| Retained earnings to average equity (ytd only) | -31.4015% | 7,254 |
| Net charge-offs to loans | 2.4748% | 483 |
| Credit loss provision to net charge-offs | 152.2665% | 2,010 |
| Earnings coverage of net charge-offs (x) | 0.0207% | 5,269 |
| Efficiency ratio | 99.2643% | 744 |
| Assets per employee ($millions) | 3.2528% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0683% | 837 |
| Loan loss allowance to noncurrent loans | 27.7199% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 7.0200% | 725 |
| Noncurrent loans to loans | 11.0691% | 311 |
| Net loans and leases to total assets | 44.0365% | 6,437 |
| Net loans and leases to deposits | 56.4423% | 6,097 |
| Net loans and leases to core deposits | 60.2412% | 6,070 |
| Total domestic deposits to total assets | 78.0203% | 6,287 |
| Equity capital to assets | 5.4382% | 7,297 |
| Core capital (leverage) ratio | 5.7466% | 7,233 |
| Tier 1 risk-based capital ratio | 11.5670% | 6,119 |
| Total risk-based capital ratio | 12.8387% | 6,092 |
| Memoranda: | ||
| Average total assets | $557,046,670 | 1,207 |
| Average earning assets | $504,672,670 | 1,209 |
| Average equity | $31,444,330 | 2,096 |
| Average total loans | $265,640,000 | 1,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 5,116 |
| Cost of funding earning assets | 1.6218% | 754 |
| Net interest margin | 2.9406% | 6,689 |
| Noninterest income to average assets | 0.8341% | 1,907 |
| Noninterest expense to average assets | 3.3305% | 2,464 |
| Loan and lease loss provision to assets | 0.2915% | 2,824 |
| Net operating income to assets | -0.1259% | 6,484 |
| Return on assets (ROA) | -0.1259% | 6,502 |
| Pretax return on assets | -0.1259% | 6,471 |
| Return on Equity (ROE) | -2.1907% | 6,605 |
| Retained earnings to average equity (ytd only) | -2.1907% | 6,177 |
| Net charge-offs to loans | 0.9979% | 1,360 |
| Credit loss provision to net charge-offs | 59.8227% | 3,550 |
| Earnings coverage of net charge-offs (x) | 0.3397% | 4,360 |
| Efficiency ratio | 95.2655% | 968 |
| Assets per employee ($millions) | 3.2249% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1829% | 2,002 |
| Loan loss allowance to noncurrent loans | 22.6207% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 6.6550% | 823 |
| Noncurrent loans to loans | 9.6500% | 432 |
| Net loans and leases to total assets | 46.9289% | 6,200 |
| Net loans and leases to deposits | 60.4806% | 5,673 |
| Net loans and leases to core deposits | 65.0966% | 5,612 |
| Total domestic deposits to total assets | 77.5932% | 6,431 |
| Equity capital to assets | 5.6851% | 7,322 |
| Core capital (leverage) ratio | 6.6371% | 7,133 |
| Tier 1 risk-based capital ratio | 12.8083% | 4,972 |
| Total risk-based capital ratio | 14.0704% | 4,943 |
| Memoranda: | ||
| Average total assets | $555,828,000 | 1,212 |
| Average earning assets | $503,156,500 | 1,224 |
| Average equity | $31,953,500 | 2,052 |
| Average total loans | $271,372,000 | 1,616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 5,840 |
| Cost of funding earning assets | 2.0422% | 516 |
| Net interest margin | 2.6458% | 7,174 |
| Noninterest income to average assets | 0.5964% | 3,498 |
| Noninterest expense to average assets | 3.1019% | 3,450 |
| Loan and lease loss provision to assets | 0.5918% | 2,771 |
| Net operating income to assets | -0.7083% | 6,522 |
| Return on assets (ROA) | 0.1433% | 5,615 |
| Pretax return on assets | 0.1433% | 5,614 |
| Return on Equity (ROE) | 2.2727% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.2727% | 4,289 |
| Net charge-offs to loans | 1.5842% | 1,377 |
| Credit loss provision to net charge-offs | 71.8776% | 5,815 |
| Earnings coverage of net charge-offs (x) | -0.1416% | 6,256 |
| Efficiency ratio | 103.9039% | 678 |
| Assets per employee ($millions) | 3.3153% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,869 |
| Loan loss allowance to noncurrent loans | 20.4362% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 7.3793% | 717 |
| Noncurrent loans to loans | 10.7566% | 367 |
| Net loans and leases to total assets | 48.5746% | 6,327 |
| Net loans and leases to deposits | 61.9407% | 5,851 |
| Net loans and leases to core deposits | 68.3906% | 5,620 |
| Total domestic deposits to total assets | 78.4212% | 6,232 |
| Equity capital to assets | 5.8123% | 7,369 |
| Core capital (leverage) ratio | 6.8076% | 7,106 |
| Tier 1 risk-based capital ratio | 12.5306% | 4,999 |
| Total risk-based capital ratio | 13.7932% | 4,978 |
| Memoranda: | ||
| Average total assets | $575,742,600 | 1,171 |
| Average earning assets | $519,842,600 | 1,181 |
| Average equity | $36,301,000 | 1,824 |
| Average total loans | $299,199,200 | 1,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 5,546 |
| Cost of funding earning assets | 2.1083% | 525 |
| Net interest margin | 2.7226% | 7,207 |
| Noninterest income to average assets | 0.5125% | 4,080 |
| Noninterest expense to average assets | 2.9981% | 3,752 |
| Loan and lease loss provision to assets | 0.6214% | 2,450 |
| Net operating income to assets | -0.6503% | 6,695 |
| Return on assets (ROA) | -0.0078% | 6,143 |
| Pretax return on assets | -0.0078% | 6,100 |
| Return on Equity (ROE) | -0.1216% | 6,148 |
| Retained earnings to average equity (ytd only) | -0.1216% | 5,813 |
| Net charge-offs to loans | 1.4425% | 1,410 |
| Credit loss provision to net charge-offs | 82.0194% | 5,071 |
| Earnings coverage of net charge-offs (x) | -0.0382% | 6,063 |
| Efficiency ratio | 100.9748% | 713 |
| Assets per employee ($millions) | 3.3129% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,533 |
| Loan loss allowance to noncurrent loans | 26.8016% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 6.4339% | 888 |
| Noncurrent loans to loans | 8.7883% | 557 |
| Net loans and leases to total assets | 51.7289% | 6,132 |
| Net loans and leases to deposits | 67.6046% | 5,476 |
| Net loans and leases to core deposits | 76.8486% | 4,943 |
| Total domestic deposits to total assets | 76.5169% | 6,565 |
| Equity capital to assets | 7.3243% | 7,217 |
| Core capital (leverage) ratio | 6.6248% | 7,301 |
| Tier 1 risk-based capital ratio | 11.6008% | 5,828 |
| Total risk-based capital ratio | 12.8641% | 5,806 |
| Memoranda: | ||
| Average total assets | $580,434,250 | 1,164 |
| Average earning assets | $523,747,750 | 1,181 |
| Average equity | $37,283,000 | 1,788 |
| Average total loans | $304,841,500 | 1,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 5,365 |
| Cost of funding earning assets | 2.1490% | 551 |
| Net interest margin | 2.7550% | 7,197 |
| Noninterest income to average assets | 0.3546% | 5,310 |
| Noninterest expense to average assets | 2.8876% | 4,122 |
| Loan and lease loss provision to assets | 0.6405% | 2,245 |
| Net operating income to assets | -0.6889% | 6,803 |
| Return on assets (ROA) | -0.6889% | 6,816 |
| Pretax return on assets | -0.6889% | 6,716 |
| Return on Equity (ROE) | -11.2086% | 7,010 |
| Retained earnings to average equity (ytd only) | -11.2086% | 6,964 |
| Net charge-offs to loans | 0.6821% | 2,514 |
| Credit loss provision to net charge-offs | 179.2810% | 2,186 |
| Earnings coverage of net charge-offs (x) | -0.1353% | 5,832 |
| Efficiency ratio | 101.7024% | 745 |
| Assets per employee ($millions) | 3.2658% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7832% | 1,013 |
| Loan loss allowance to noncurrent loans | 30.7979% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 6.6835% | 822 |
| Noncurrent loans to loans | 9.0369% | 527 |
| Net loans and leases to total assets | 50.1488% | 6,417 |
| Net loans and leases to deposits | 64.3880% | 5,990 |
| Net loans and leases to core deposits | 74.8039% | 5,348 |
| Total domestic deposits to total assets | 77.8853% | 6,295 |
| Equity capital to assets | 6.7172% | 7,436 |
| Core capital (leverage) ratio | 6.0250% | 7,478 |
| Tier 1 risk-based capital ratio | 10.6800% | 6,543 |
| Total risk-based capital ratio | 11.9485% | 6,519 |
| Memoranda: | ||
| Average total assets | $591,700,330 | 1,148 |
| Average earning assets | $533,640,330 | 1,154 |
| Average equity | $36,365,000 | 1,830 |
| Average total loans | $309,925,330 | 1,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 5,557 |
| Cost of funding earning assets | 2.2351% | 532 |
| Net interest margin | 2.6454% | 7,348 |
| Noninterest income to average assets | 0.4412% | 4,552 |
| Noninterest expense to average assets | 2.8179% | 4,420 |
| Loan and lease loss provision to assets | 0.2366% | 4,152 |
| Net operating income to assets | -0.2239% | 6,576 |
| Return on assets (ROA) | -0.2239% | 6,643 |
| Pretax return on assets | -0.2239% | 6,576 |
| Return on Equity (ROE) | -3.8135% | 6,811 |
| Retained earnings to average equity (ytd only) | -3.8135% | 6,478 |
| Net charge-offs to loans | 0.5558% | 2,416 |
| Credit loss provision to net charge-offs | 80.6818% | 3,862 |
| Earnings coverage of net charge-offs (x) | 0.0432% | 5,000 |
| Efficiency ratio | 99.5526% | 855 |
| Assets per employee ($millions) | 3.4013% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3638% | 1,470 |
| Loan loss allowance to noncurrent loans | 24.2169% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 7.4462% | 692 |
| Noncurrent loans to loans | 9.7611% | 440 |
| Net loans and leases to total assets | 52.3534% | 6,236 |
| Net loans and leases to deposits | 66.8434% | 5,730 |
| Net loans and leases to core deposits | 79.3772% | 4,844 |
| Total domestic deposits to total assets | 78.3225% | 6,237 |
| Equity capital to assets | 6.3175% | 7,569 |
| Core capital (leverage) ratio | 6.0611% | 7,570 |
| Tier 1 risk-based capital ratio | 10.8451% | 6,301 |
| Total risk-based capital ratio | 12.1094% | 6,270 |
| Memoranda: | ||
| Average total assets | $600,162,000 | 1,153 |
| Average earning assets | $542,070,000 | 1,164 |
| Average equity | $35,243,000 | 1,911 |
| Average total loans | $316,640,000 | 1,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 4,530 |
| Cost of funding earning assets | 2.6513% | 669 |
| Net interest margin | 2.7797% | 7,095 |
| Noninterest income to average assets | 0.5889% | 3,723 |
| Noninterest expense to average assets | 2.9874% | 4,198 |
| Loan and lease loss provision to assets | 1.7669% | 1,291 |
| Net operating income to assets | -1.6362% | 6,927 |
| Return on assets (ROA) | -1.3283% | 6,783 |
| Pretax return on assets | -1.3283% | 6,611 |
| Return on Equity (ROE) | -20.7473% | 7,164 |
| Retained earnings to average equity (ytd only) | -20.7473% | 7,133 |
| Net charge-offs to loans | 2.5555% | 897 |
| Credit loss provision to net charge-offs | 120.7932% | 4,421 |
| Earnings coverage of net charge-offs (x) | 0.0894% | 6,068 |
| Efficiency ratio | 95.8058% | 1,322 |
| Assets per employee ($millions) | 3.3447% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 1,495 |
| Loan loss allowance to noncurrent loans | 24.7562% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 6.8387% | 750 |
| Noncurrent loans to loans | 9.2651% | 474 |
| Net loans and leases to total assets | 50.7663% | 6,553 |
| Net loans and leases to deposits | 63.6441% | 6,312 |
| Net loans and leases to core deposits | 74.6762% | 6,493 |
| Total domestic deposits to total assets | 79.7658% | 5,745 |
| Equity capital to assets | 5.4584% | 7,743 |
| Core capital (leverage) ratio | 5.9048% | 7,655 |
| Tier 1 risk-based capital ratio | 10.1640% | 6,719 |
| Total risk-based capital ratio | 11.4266% | 6,676 |
| Memoranda: | ||
| Average total assets | $596,397,000 | 1,161 |
| Average earning assets | $542,680,800 | 1,161 |
| Average equity | $38,183,200 | 1,750 |
| Average total loans | $341,386,200 | 1,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 3,177 |
| Cost of funding earning assets | 2.7366% | 712 |
| Net interest margin | 2.9959% | 6,624 |
| Noninterest income to average assets | 0.6701% | 3,219 |
| Noninterest expense to average assets | 3.0586% | 3,811 |
| Loan and lease loss provision to assets | 1.1612% | 1,671 |
| Net operating income to assets | -0.8210% | 6,705 |
| Return on assets (ROA) | -0.4791% | 6,409 |
| Pretax return on assets | -0.4791% | 6,271 |
| Return on Equity (ROE) | -7.2034% | 6,681 |
| Retained earnings to average equity (ytd only) | -7.2034% | 6,530 |
| Net charge-offs to loans | 2.0644% | 945 |
| Credit loss provision to net charge-offs | 95.9298% | 5,303 |
| Earnings coverage of net charge-offs (x) | 0.2810% | 5,730 |
| Efficiency ratio | 89.9927% | 1,688 |
| Assets per employee ($millions) | 3.0856% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,958 |
| Loan loss allowance to noncurrent loans | 22.3812% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 6.2333% | 839 |
| Noncurrent loans to loans | 7.1840% | 737 |
| Net loans and leases to total assets | 56.1785% | 6,120 |
| Net loans and leases to deposits | 72.8344% | 5,535 |
| Net loans and leases to core deposits | 87.7389% | 5,665 |
| Total domestic deposits to total assets | 77.1318% | 6,306 |
| Equity capital to assets | 6.6914% | 7,716 |
| Core capital (leverage) ratio | 6.7107% | 7,581 |
| Tier 1 risk-based capital ratio | 10.4807% | 6,487 |
| Total risk-based capital ratio | 12.2854% | 5,877 |
| Memoranda: | ||
| Average total assets | $589,969,750 | 1,183 |
| Average earning assets | $537,343,750 | 1,190 |
| Average equity | $39,239,750 | 1,733 |
| Average total loans | $345,924,250 | 1,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9466% | 2,399 |
| Cost of funding earning assets | 2.8202% | 746 |
| Net interest margin | 3.1264% | 6,164 |
| Noninterest income to average assets | 0.6526% | 3,323 |
| Noninterest expense to average assets | 3.0981% | 3,710 |
| Loan and lease loss provision to assets | 0.4432% | 3,327 |
| Net operating income to assets | -0.0315% | 5,900 |
| Return on assets (ROA) | 0.3102% | 4,964 |
| Pretax return on assets | 0.3102% | 5,190 |
| Return on Equity (ROE) | 4.6734% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.6734% | 2,700 |
| Net charge-offs to loans | 1.4077% | 1,337 |
| Credit loss provision to net charge-offs | 53.2304% | 5,715 |
| Earnings coverage of net charge-offs (x) | 0.4945% | 5,207 |
| Efficiency ratio | 88.2699% | 1,983 |
| Assets per employee ($millions) | 2.7918% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,412 |
| Loan loss allowance to noncurrent loans | 19.2814% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 5.0978% | 1,024 |
| Noncurrent loans to loans | 6.6248% | 781 |
| Net loans and leases to total assets | 59.4999% | 5,764 |
| Net loans and leases to deposits | 79.0754% | 4,691 |
| Net loans and leases to core deposits | 93.1593% | 5,222 |
| Total domestic deposits to total assets | 75.2446% | 6,710 |
| Equity capital to assets | 7.4698% | 7,295 |
| Core capital (leverage) ratio | 7.0370% | 7,507 |
| Tier 1 risk-based capital ratio | 11.1712% | 5,703 |
| Total risk-based capital ratio | 13.0590% | 5,004 |
| Memoranda: | ||
| Average total assets | $591,207,670 | 1,204 |
| Average earning assets | $540,309,670 | 1,197 |
| Average equity | $39,243,330 | 1,737 |
| Average total loans | $349,655,000 | 1,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3722% | 1,127 |
| Cost of funding earning assets | 2.8386% | 895 |
| Net interest margin | 3.5336% | 4,599 |
| Noninterest income to average assets | 0.7353% | 2,681 |
| Noninterest expense to average assets | 2.9713% | 3,888 |
| Loan and lease loss provision to assets | 0.4014% | 2,916 |
| Net operating income to assets | 0.5975% | 4,023 |
| Return on assets (ROA) | 0.9313% | 2,710 |
| Pretax return on assets | 0.9313% | 3,599 |
| Return on Equity (ROE) | 14.9352% | 988 |
| Retained earnings to average equity (ytd only) | 14.9352% | 423 |
| Net charge-offs to loans | 1.1178% | 1,221 |
| Credit loss provision to net charge-offs | 61.2870% | 4,494 |
| Earnings coverage of net charge-offs (x) | 1.5250% | 3,966 |
| Efficiency ratio | 74.8399% | 3,689 |
| Assets per employee ($millions) | 2.9106% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,034 |
| Loan loss allowance to noncurrent loans | 23.4409% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 4.7494% | 982 |
| Noncurrent loans to loans | 6.3719% | 716 |
| Net loans and leases to total assets | 57.7086% | 5,992 |
| Net loans and leases to deposits | 75.9768% | 5,227 |
| Net loans and leases to core deposits | 91.7601% | 5,370 |
| Total domestic deposits to total assets | 75.9555% | 6,525 |
| Equity capital to assets | 6.5206% | 7,866 |
| Core capital (leverage) ratio | 6.0759% | 7,989 |
| Tier 1 risk-based capital ratio | 9.8946% | 7,046 |
| Total risk-based capital ratio | 13.0533% | 5,039 |
| Memoranda: | ||
| Average total assets | $597,862,500 | 1,194 |
| Average earning assets | $547,312,500 | 1,188 |
| Average equity | $37,281,000 | 1,830 |
| Average total loans | $350,333,500 | 1,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7033% | 2,014 |
| Cost of funding earning assets | 3.2748% | 993 |
| Net interest margin | 3.4285% | 5,549 |
| Noninterest income to average assets | 0.7916% | 2,565 |
| Noninterest expense to average assets | 3.1307% | 3,585 |
| Loan and lease loss provision to assets | 1.5545% | 856 |
| Net operating income to assets | -0.7613% | 7,110 |
| Return on assets (ROA) | -0.7298% | 6,988 |
| Pretax return on assets | -0.7197% | 6,823 |
| Return on Equity (ROE) | -10.5429% | 7,313 |
| Retained earnings to average equity (ytd only) | -22.1367% | 7,736 |
| Net charge-offs to loans | 2.5152% | 376 |
| Credit loss provision to net charge-offs | 106.3923% | 5,041 |
| Earnings coverage of net charge-offs (x) | 0.5498% | 5,901 |
| Efficiency ratio | 79.5785% | 2,655 |
| Assets per employee ($millions) | 2.8258% | 6,501 |
| Cash dividends to net income (ytd only)* | -109.9686% | 8,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 2,266 |
| Loan loss allowance to noncurrent loans | 28.2472% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 4.4834% | 843 |
| Noncurrent loans to loans | 5.6462% | 687 |
| Net loans and leases to total assets | 57.6769% | 6,251 |
| Net loans and leases to deposits | 75.3980% | 5,669 |
| Net loans and leases to core deposits | 89.9508% | 5,803 |
| Total domestic deposits to total assets | 76.4965% | 6,122 |
| Equity capital to assets | 5.9520% | 8,070 |
| Core capital (leverage) ratio | 5.9849% | 8,084 |
| Tier 1 risk-based capital ratio | 9.3707% | 7,436 |
| Total risk-based capital ratio | 12.5020% | 5,368 |
| Memoranda: | ||
| Average total assets | $610,285,800 | 1,108 |
| Average earning assets | $559,367,000 | 1,103 |
| Average equity | $42,246,600 | 1,582 |
| Average total loans | $354,525,200 | 1,370 |