Home > Stephens Federal Bank > Performance and Condition Ratios
Stephens Federal Bank, Performance and Condition Ratios
| 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 | 3.9208% | 4,094 |
| Cost of funding earning assets | 0.3554% | 4,280 |
| Net interest margin | 3.5653% | 3,576 |
| Noninterest income to average assets | 0.1303% | 6,120 |
| Noninterest expense to average assets | 3.9431% | 804 |
| Loan and lease loss provision to assets | -0.4345% | 6,516 |
| Net operating income to assets | -0.3102% | 6,319 |
| Return on assets (ROA) | -0.3102% | 6,317 |
| Pretax return on assets | -0.3102% | 6,299 |
| Return on Equity (ROE) | -7.5137% | 6,415 |
| Retained earnings to average equity (ytd only) | -7.5137% | 6,334 |
| Net charge-offs to loans | 0.6290% | 573 |
| Credit loss provision to net charge-offs | -95.9693% | 5,443 |
| Earnings coverage of net charge-offs (x) | -1.6449% | 4,547 |
| Efficiency ratio | 123.2817% | 116 |
| Assets per employee ($millions) | 3.5040% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 1,393 |
| Loan loss allowance to noncurrent loans | 55.6735% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 9.6836% | 97 |
| Noncurrent loans to loans | 3.4647% | 700 |
| Net loans and leases to total assets | 70.6836% | 2,083 |
| Net loans and leases to deposits | 74.0261% | 3,429 |
| Net loans and leases to core deposits | 79.4469% | 3,383 |
| Total domestic deposits to total assets | 95.4847% | 20 |
| Equity capital to assets | 4.2707% | 6,545 |
| Core capital (leverage) ratio | 4.2713% | 6,549 |
| Tier 1 risk-based capital ratio | 6.3198% | 6,551 |
| Total risk-based capital ratio | 7.2679% | 6,553 |
| Memoranda: | ||
| Average total assets | $153,445,000 | 3,610 |
| Average earning assets | $132,045,500 | 3,748 |
| Average equity | $6,335,000 | 5,616 |
| Average total loans | $110,431,250 | 3,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,791 |
| Cost of funding earning assets | 0.3634% | 4,279 |
| Net interest margin | 3.6208% | 3,275 |
| Noninterest income to average assets | 0.2122% | 5,682 |
| Noninterest expense to average assets | 3.9733% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6481% | 6,474 |
| Return on assets (ROA) | -0.6481% | 6,475 |
| Pretax return on assets | -0.6481% | 6,459 |
| Return on Equity (ROE) | -15.8698% | 6,556 |
| Retained earnings to average equity (ytd only) | -15.8698% | 6,508 |
| Net charge-offs to loans | 0.6685% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.3476% | 4,221 |
| Efficiency ratio | 119.4896% | 146 |
| Assets per employee ($millions) | 3.6440% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4945% | 715 |
| Loan loss allowance to noncurrent loans | 105.2755% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 9.4905% | 104 |
| Noncurrent loans to loans | 2.3695% | 1,348 |
| Net loans and leases to total assets | 68.8039% | 2,278 |
| Net loans and leases to deposits | 71.8787% | 3,586 |
| Net loans and leases to core deposits | 77.4959% | 3,497 |
| Total domestic deposits to total assets | 95.7223% | 21 |
| Equity capital to assets | 4.0105% | 6,613 |
| Core capital (leverage) ratio | 4.0118% | 6,612 |
| Tier 1 risk-based capital ratio | 6.0262% | 6,616 |
| Total risk-based capital ratio | 7.0675% | 6,618 |
| Memoranda: | ||
| Average total assets | $155,537,670 | 3,600 |
| Average earning assets | $133,726,000 | 3,748 |
| Average equity | $6,351,670 | 5,647 |
| Average total loans | $111,885,330 | 3,202 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,864 |
| Cost of funding earning assets | 0.3742% | 4,262 |
| Net interest margin | 3.5844% | 3,315 |
| Noninterest income to average assets | 0.0918% | 6,362 |
| Noninterest expense to average assets | 4.0566% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8853% | 6,556 |
| Return on assets (ROA) | -0.8853% | 6,553 |
| Pretax return on assets | -0.8853% | 6,544 |
| Return on Equity (ROE) | -21.4911% | 6,633 |
| Retained earnings to average equity (ytd only) | -21.4911% | 6,545 |
| Net charge-offs to loans | 0.4955% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.4610% | 3,547 |
| Efficiency ratio | 127.9163% | 132 |
| Assets per employee ($millions) | 3.4511% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5929% | 719 |
| Loan loss allowance to noncurrent loans | 83.8876% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 10.0194% | 113 |
| Noncurrent loans to loans | 3.0909% | 1,016 |
| Net loans and leases to total assets | 70.7813% | 1,758 |
| Net loans and leases to deposits | 73.9165% | 3,071 |
| Net loans and leases to core deposits | 79.9392% | 2,974 |
| Total domestic deposits to total assets | 95.7585% | 21 |
| Equity capital to assets | 4.0483% | 6,671 |
| Core capital (leverage) ratio | 4.0539% | 6,676 |
| Tier 1 risk-based capital ratio | 5.9087% | 6,681 |
| Total risk-based capital ratio | 6.9401% | 6,686 |
| Memoranda: | ||
| Average total assets | $156,782,500 | 3,611 |
| Average earning assets | $134,693,500 | 3,750 |
| Average equity | $6,458,500 | 5,647 |
| Average total loans | $113,829,500 | 3,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,837 |
| Cost of funding earning assets | 0.4968% | 3,646 |
| Net interest margin | 3.5757% | 3,574 |
| Noninterest income to average assets | 0.3418% | 4,868 |
| Noninterest expense to average assets | 3.6314% | 1,394 |
| Loan and lease loss provision to assets | 0.1799% | 2,051 |
| Net operating income to assets | -0.3880% | 6,455 |
| Return on assets (ROA) | -0.3880% | 6,469 |
| Pretax return on assets | -0.3880% | 6,451 |
| Return on Equity (ROE) | -9.3155% | 6,576 |
| Retained earnings to average equity (ytd only) | -9.3155% | 6,524 |
| Net charge-offs to loans | 1.1091% | 503 |
| Credit loss provision to net charge-offs | 22.4888% | 4,403 |
| Earnings coverage of net charge-offs (x) | -0.2601% | 5,161 |
| Efficiency ratio | 106.0781% | 336 |
| Assets per employee ($millions) | 3.5170% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 678 |
| Loan loss allowance to noncurrent loans | 64.8078% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 10.9783% | 107 |
| Noncurrent loans to loans | 4.1233% | 686 |
| Net loans and leases to total assets | 70.6041% | 1,920 |
| Net loans and leases to deposits | 73.8465% | 3,283 |
| Net loans and leases to core deposits | 79.8883% | 3,149 |
| Total domestic deposits to total assets | 95.6093% | 32 |
| Equity capital to assets | 4.1891% | 6,738 |
| Core capital (leverage) ratio | 4.1970% | 6,744 |
| Tier 1 risk-based capital ratio | 6.0504% | 6,752 |
| Total risk-based capital ratio | 7.0887% | 6,757 |
| Memoranda: | ||
| Average total assets | $166,767,600 | 3,463 |
| Average earning assets | $143,721,200 | 3,609 |
| Average equity | $6,945,400 | 5,578 |
| Average total loans | $120,282,800 | 3,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,879 |
| Cost of funding earning assets | 0.5198% | 3,566 |
| Net interest margin | 3.5460% | 3,679 |
| Noninterest income to average assets | 0.3829% | 4,653 |
| Noninterest expense to average assets | 3.5722% | 1,453 |
| Loan and lease loss provision to assets | 0.2368% | 1,520 |
| Net operating income to assets | -0.3671% | 6,553 |
| Return on assets (ROA) | -0.3671% | 6,564 |
| Pretax return on assets | -0.3671% | 6,548 |
| Return on Equity (ROE) | -8.8263% | 6,674 |
| Retained earnings to average equity (ytd only) | -8.8263% | 6,612 |
| Net charge-offs to loans | 1.4259% | 343 |
| Credit loss provision to net charge-offs | 23.0592% | 4,016 |
| Earnings coverage of net charge-offs (x) | -0.1268% | 4,892 |
| Efficiency ratio | 103.7844% | 365 |
| Assets per employee ($millions) | 3.4891% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6435% | 793 |
| Loan loss allowance to noncurrent loans | 66.6882% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 11.3148% | 104 |
| Noncurrent loans to loans | 3.9639% | 888 |
| Net loans and leases to total assets | 71.1118% | 1,762 |
| Net loans and leases to deposits | 74.4561% | 3,165 |
| Net loans and leases to core deposits | 80.7244% | 3,042 |
| Total domestic deposits to total assets | 95.5084% | 31 |
| Equity capital to assets | 4.2493% | 6,809 |
| Core capital (leverage) ratio | 4.2523% | 6,817 |
| Tier 1 risk-based capital ratio | 6.0593% | 6,826 |
| Total risk-based capital ratio | 7.1033% | 6,835 |
| Memoranda: | ||
| Average total assets | $168,892,750 | 3,469 |
| Average earning assets | $145,698,500 | 3,613 |
| Average equity | $7,024,250 | 5,626 |
| Average total loans | $121,650,750 | 3,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,898 |
| Cost of funding earning assets | 0.5461% | 3,458 |
| Net interest margin | 3.5105% | 3,738 |
| Noninterest income to average assets | 0.5312% | 3,626 |
| Noninterest expense to average assets | 3.4807% | 1,647 |
| Loan and lease loss provision to assets | 0.3495% | 954 |
| Net operating income to assets | -0.2586% | 6,528 |
| Return on assets (ROA) | -0.2586% | 6,557 |
| Pretax return on assets | -0.2586% | 6,532 |
| Return on Equity (ROE) | -6.2603% | 6,666 |
| Retained earnings to average equity (ytd only) | -6.2603% | 6,529 |
| Net charge-offs to loans | 1.3807% | 408 |
| Credit loss provision to net charge-offs | 35.2941% | 3,497 |
| Earnings coverage of net charge-offs (x) | 0.0918% | 4,513 |
| Efficiency ratio | 97.4560% | 600 |
| Assets per employee ($millions) | 3.6867% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9994% | 584 |
| Loan loss allowance to noncurrent loans | 86.6098% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 11.0021% | 124 |
| Noncurrent loans to loans | 3.4631% | 1,234 |
| Net loans and leases to total assets | 67.7173% | 2,304 |
| Net loans and leases to deposits | 70.8445% | 3,610 |
| Net loans and leases to core deposits | 76.9600% | 3,429 |
| Total domestic deposits to total assets | 95.5857% | 32 |
| Equity capital to assets | 4.1755% | 6,862 |
| Core capital (leverage) ratio | 4.1681% | 6,873 |
| Tier 1 risk-based capital ratio | 6.2003% | 6,868 |
| Total risk-based capital ratio | 7.2512% | 6,874 |
| Memoranda: | ||
| Average total assets | $171,691,000 | 3,435 |
| Average earning assets | $148,696,330 | 3,584 |
| Average equity | $7,092,330 | 5,663 |
| Average total loans | $123,123,670 | 3,002 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 3,577 |
| Cost of funding earning assets | 0.5766% | 3,319 |
| Net interest margin | 3.5579% | 3,444 |
| Noninterest income to average assets | 0.1065% | 6,550 |
| Noninterest expense to average assets | 3.4664% | 1,692 |
| Loan and lease loss provision to assets | 0.6947% | 343 |
| Net operating income to assets | -0.9540% | 6,798 |
| Return on assets (ROA) | -0.9540% | 6,810 |
| Pretax return on assets | -0.9540% | 6,796 |
| Return on Equity (ROE) | -23.2178% | 6,912 |
| Retained earnings to average equity (ytd only) | -23.2178% | 6,862 |
| Net charge-offs to loans | 1.5077% | 359 |
| Credit loss provision to net charge-offs | 63.4249% | 2,386 |
| Earnings coverage of net charge-offs (x) | -0.2368% | 3,880 |
| Efficiency ratio | 108.0866% | 356 |
| Assets per employee ($millions) | 3.7185% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1871% | 553 |
| Loan loss allowance to noncurrent loans | 58.4089% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 11.3312% | 142 |
| Noncurrent loans to loans | 5.4566% | 665 |
| Net loans and leases to total assets | 69.7556% | 1,703 |
| Net loans and leases to deposits | 72.8227% | 3,083 |
| Net loans and leases to core deposits | 79.4229% | 2,878 |
| Total domestic deposits to total assets | 95.7884% | 30 |
| Equity capital to assets | 4.0292% | 6,937 |
| Core capital (leverage) ratio | 4.0214% | 6,934 |
| Tier 1 risk-based capital ratio | 6.0693% | 6,927 |
| Total risk-based capital ratio | 7.1123% | 6,935 |
| Memoranda: | ||
| Average total assets | $172,743,500 | 3,454 |
| Average earning assets | $150,538,000 | 3,584 |
| Average equity | $7,098,000 | 5,716 |
| Average total loans | $125,490,500 | 2,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 3,381 |
| Cost of funding earning assets | 0.8073% | 2,612 |
| Net interest margin | 3.6947% | 3,671 |
| Noninterest income to average assets | 0.2821% | 5,451 |
| Noninterest expense to average assets | 3.7153% | 1,385 |
| Loan and lease loss provision to assets | 0.5044% | 1,172 |
| Net operating income to assets | -0.7339% | 6,661 |
| Return on assets (ROA) | -0.7339% | 6,683 |
| Pretax return on assets | -0.7339% | 6,660 |
| Return on Equity (ROE) | -16.8873% | 6,851 |
| Retained earnings to average equity (ytd only) | -16.8873% | 6,806 |
| Net charge-offs to loans | 1.4761% | 612 |
| Credit loss provision to net charge-offs | 44.9827% | 4,819 |
| Earnings coverage of net charge-offs (x) | -0.2046% | 5,576 |
| Efficiency ratio | 106.5829% | 398 |
| Assets per employee ($millions) | 3.9645% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2105% | 546 |
| Loan loss allowance to noncurrent loans | 94.1244% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 9.6579% | 229 |
| Noncurrent loans to loans | 3.4109% | 1,474 |
| Net loans and leases to total assets | 70.8766% | 1,669 |
| Net loans and leases to deposits | 74.1137% | 3,070 |
| Net loans and leases to core deposits | 81.0961% | 2,869 |
| Total domestic deposits to total assets | 95.6322% | 33 |
| Equity capital to assets | 4.1872% | 6,992 |
| Core capital (leverage) ratio | 4.1795% | 6,979 |
| Tier 1 risk-based capital ratio | 6.2542% | 6,982 |
| Total risk-based capital ratio | 7.3043% | 6,994 |
| Memoranda: | ||
| Average total assets | $180,417,000 | 3,308 |
| Average earning assets | $156,439,800 | 3,432 |
| Average equity | $7,840,200 | 5,545 |
| Average total loans | $137,049,800 | 2,759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 3,407 |
| Cost of funding earning assets | 0.8613% | 2,450 |
| Net interest margin | 3.6933% | 3,828 |
| Noninterest income to average assets | 0.0674% | 6,745 |
| Noninterest expense to average assets | 3.8113% | 1,191 |
| Loan and lease loss provision to assets | 0.1099% | 4,196 |
| Net operating income to assets | -0.6574% | 6,760 |
| Return on assets (ROA) | -0.6574% | 6,789 |
| Pretax return on assets | -0.6574% | 6,767 |
| Return on Equity (ROE) | -14.9979% | 6,933 |
| Retained earnings to average equity (ytd only) | -14.9979% | 6,907 |
| Net charge-offs to loans | 1.3431% | 687 |
| Credit loss provision to net charge-offs | 10.6838% | 5,069 |
| Earnings coverage of net charge-offs (x) | -0.5321% | 5,508 |
| Efficiency ratio | 116.7752% | 219 |
| Assets per employee ($millions) | 3.8435% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9442% | 765 |
| Loan loss allowance to noncurrent loans | 68.8097% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 10.6096% | 211 |
| Noncurrent loans to loans | 4.2788% | 1,140 |
| Net loans and leases to total assets | 73.8346% | 1,270 |
| Net loans and leases to deposits | 77.3760% | 2,751 |
| Net loans and leases to core deposits | 84.1256% | 2,675 |
| Total domestic deposits to total assets | 95.4231% | 34 |
| Equity capital to assets | 4.3710% | 7,085 |
| Core capital (leverage) ratio | 4.3645% | 7,066 |
| Tier 1 risk-based capital ratio | 6.3653% | 7,076 |
| Total risk-based capital ratio | 7.4204% | 7,085 |
| Memoranda: | ||
| Average total assets | $181,912,000 | 3,312 |
| Average earning assets | $157,434,500 | 3,457 |
| Average equity | $7,974,250 | 5,564 |
| Average total loans | $139,378,250 | 2,758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 3,383 |
| Cost of funding earning assets | 0.9011% | 2,387 |
| Net interest margin | 3.6940% | 3,853 |
| Noninterest income to average assets | 0.3987% | 4,659 |
| Noninterest expense to average assets | 3.9724% | 978 |
| Loan and lease loss provision to assets | 0.1634% | 3,466 |
| Net operating income to assets | -0.5446% | 6,754 |
| Return on assets (ROA) | -0.5446% | 6,785 |
| Pretax return on assets | -0.5446% | 6,754 |
| Return on Equity (ROE) | -12.4126% | 6,949 |
| Retained earnings to average equity (ytd only) | -12.4126% | 6,898 |
| Net charge-offs to loans | 1.1163% | 975 |
| Credit loss provision to net charge-offs | 19.0597% | 4,622 |
| Earnings coverage of net charge-offs (x) | -0.4447% | 5,221 |
| Efficiency ratio | 110.6157% | 322 |
| Assets per employee ($millions) | 3.9427% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3168% | 581 |
| Loan loss allowance to noncurrent loans | 63.9514% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 11.6633% | 188 |
| Noncurrent loans to loans | 5.1865% | 929 |
| Net loans and leases to total assets | 73.5631% | 1,316 |
| Net loans and leases to deposits | 78.5508% | 2,592 |
| Net loans and leases to core deposits | 84.9465% | 2,571 |
| Total domestic deposits to total assets | 93.6503% | 91 |
| Equity capital to assets | 4.4728% | 7,116 |
| Core capital (leverage) ratio | 4.4738% | 7,101 |
| Tier 1 risk-based capital ratio | 6.4816% | 7,117 |
| Total risk-based capital ratio | 7.5488% | 7,119 |
| Memoranda: | ||
| Average total assets | $183,615,330 | 3,300 |
| Average earning assets | $158,688,000 | 3,451 |
| Average equity | $8,056,330 | 5,554 |
| Average total loans | $141,004,000 | 2,756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 3,109 |
| Cost of funding earning assets | 0.9861% | 2,063 |
| Net interest margin | 3.6986% | 3,834 |
| Noninterest income to average assets | 0.5045% | 3,880 |
| Noninterest expense to average assets | 3.8714% | 1,103 |
| Loan and lease loss provision to assets | 0.3248% | 1,931 |
| Net operating income to assets | -0.5002% | 6,827 |
| Return on assets (ROA) | -0.5002% | 6,854 |
| Pretax return on assets | -0.5002% | 6,827 |
| Return on Equity (ROE) | -11.5090% | 7,018 |
| Retained earnings to average equity (ytd only) | -11.5090% | 6,883 |
| Net charge-offs to loans | 1.2013% | 856 |
| Credit loss provision to net charge-offs | 35.0467% | 3,535 |
| Earnings coverage of net charge-offs (x) | -0.1893% | 4,434 |
| Efficiency ratio | 104.7452% | 437 |
| Assets per employee ($millions) | 4.2859% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4952% | 539 |
| Loan loss allowance to noncurrent loans | 93.0807% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 10.6498% | 263 |
| Noncurrent loans to loans | 3.7550% | 1,654 |
| Net loans and leases to total assets | 73.9650% | 1,073 |
| Net loans and leases to deposits | 78.9859% | 2,344 |
| Net loans and leases to core deposits | 85.1610% | 2,388 |
| Total domestic deposits to total assets | 93.6433% | 106 |
| Equity capital to assets | 4.2948% | 7,166 |
| Core capital (leverage) ratio | 4.5485% | 7,147 |
| Tier 1 risk-based capital ratio | 6.5456% | 7,154 |
| Total risk-based capital ratio | 7.6200% | 7,164 |
| Memoranda: | ||
| Average total assets | $184,741,000 | 3,304 |
| Average earning assets | $159,411,000 | 3,446 |
| Average equity | $8,028,500 | 5,587 |
| Average total loans | $142,509,000 | 2,748 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 4,023 |
| Cost of funding earning assets | 1.2086% | 1,975 |
| Net interest margin | 3.5429% | 4,973 |
| Noninterest income to average assets | -0.7040% | 7,292 |
| Noninterest expense to average assets | 3.2016% | 2,860 |
| Loan and lease loss provision to assets | 2.8011% | 142 |
| Net operating income to assets | -4.0158% | 7,254 |
| Return on assets (ROA) | -3.9981% | 7,258 |
| Pretax return on assets | -3.6016% | 7,239 |
| Return on Equity (ROE) | -59.5413% | 7,242 |
| Retained earnings to average equity (ytd only) | -59.5413% | 7,242 |
| Net charge-offs to loans | 1.5960% | 995 |
| Credit loss provision to net charge-offs | 219.5618% | 1,105 |
| Earnings coverage of net charge-offs (x) | -0.6414% | 6,129 |
| Efficiency ratio | 133.7172% | 212 |
| Assets per employee ($millions) | 4.0258% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4651% | 1,363 |
| Loan loss allowance to noncurrent loans | 61.6992% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 10.5876% | 292 |
| Noncurrent loans to loans | 3.9953% | 1,562 |
| Net loans and leases to total assets | 75.7198% | 985 |
| Net loans and leases to deposits | 81.7881% | 2,231 |
| Net loans and leases to core deposits | 87.9191% | 2,387 |
| Total domestic deposits to total assets | 92.5805% | 171 |
| Equity capital to assets | 4.3966% | 7,199 |
| Core capital (leverage) ratio | 4.6512% | 7,170 |
| Tier 1 risk-based capital ratio | 6.3964% | 7,186 |
| Total risk-based capital ratio | 7.3290% | 7,200 |
| Memoranda: | ||
| Average total assets | $196,745,400 | 3,091 |
| Average earning assets | $171,443,600 | 3,212 |
| Average equity | $13,211,000 | 4,300 |
| Average total loans | $157,270,000 | 2,538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 4,028 |
| Cost of funding earning assets | 1.2578% | 1,951 |
| Net interest margin | 3.5403% | 5,021 |
| Noninterest income to average assets | -0.8168% | 7,393 |
| Noninterest expense to average assets | 3.2078% | 2,807 |
| Loan and lease loss provision to assets | 2.7516% | 137 |
| Net operating income to assets | -3.6840% | 7,314 |
| Return on assets (ROA) | -3.6606% | 7,318 |
| Pretax return on assets | -3.6606% | 7,314 |
| Return on Equity (ROE) | -50.4745% | 7,294 |
| Retained earnings to average equity (ytd only) | -50.4745% | 7,289 |
| Net charge-offs to loans | 1.6467% | 848 |
| Credit loss provision to net charge-offs | 207.6613% | 1,410 |
| Earnings coverage of net charge-offs (x) | -0.7036% | 5,881 |
| Efficiency ratio | 140.2994% | 180 |
| Assets per employee ($millions) | 3.8066% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,348 |
| Loan loss allowance to noncurrent loans | 49.3224% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 9.3153% | 408 |
| Noncurrent loans to loans | 4.0490% | 1,637 |
| Net loans and leases to total assets | 77.8913% | 717 |
| Net loans and leases to deposits | 85.2273% | 1,799 |
| Net loans and leases to core deposits | 91.4002% | 2,066 |
| Total domestic deposits to total assets | 91.3924% | 321 |
| Equity capital to assets | 5.6811% | 7,216 |
| Core capital (leverage) ratio | 5.3347% | 7,200 |
| Tier 1 risk-based capital ratio | 7.1943% | 7,233 |
| Total risk-based capital ratio | 8.1354% | 7,256 |
| Memoranda: | ||
| Average total assets | $199,634,750 | 3,080 |
| Average earning assets | $174,371,000 | 3,177 |
| Average equity | $14,478,250 | 4,038 |
| Average total loans | $160,645,500 | 2,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 4,047 |
| Cost of funding earning assets | 1.3138% | 1,859 |
| Net interest margin | 3.4989% | 5,171 |
| Noninterest income to average assets | 0.2279% | 6,031 |
| Noninterest expense to average assets | 3.1055% | 3,230 |
| Loan and lease loss provision to assets | 1.9178% | 336 |
| Net operating income to assets | -1.7372% | 7,146 |
| Return on assets (ROA) | -1.7274% | 7,155 |
| Pretax return on assets | -1.7274% | 7,120 |
| Return on Equity (ROE) | -22.3057% | 7,173 |
| Retained earnings to average equity (ytd only) | -22.3057% | 7,160 |
| Net charge-offs to loans | 1.5107% | 978 |
| Credit loss provision to net charge-offs | 157.1544% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.1479% | 5,190 |
| Efficiency ratio | 94.0258% | 976 |
| Assets per employee ($millions) | 3.6358% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,417 |
| Loan loss allowance to noncurrent loans | 30.5585% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 9.8225% | 408 |
| Noncurrent loans to loans | 4.6987% | 1,402 |
| Net loans and leases to total assets | 79.5767% | 575 |
| Net loans and leases to deposits | 86.2268% | 1,761 |
| Net loans and leases to core deposits | 92.5180% | 2,071 |
| Total domestic deposits to total assets | 92.2877% | 186 |
| Equity capital to assets | 7.4179% | 6,982 |
| Core capital (leverage) ratio | 7.0854% | 6,961 |
| Tier 1 risk-based capital ratio | 9.3451% | 7,134 |
| Total risk-based capital ratio | 10.2947% | 7,175 |
| Memoranda: | ||
| Average total assets | $202,735,670 | 3,066 |
| Average earning assets | $177,199,000 | 3,174 |
| Average equity | $15,700,000 | 3,783 |
| Average total loans | $163,769,670 | 2,481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0066% | 3,081 |
| Cost of funding earning assets | 1.3652% | 1,805 |
| Net interest margin | 3.6413% | 4,365 |
| Noninterest income to average assets | 0.2603% | 5,807 |
| Noninterest expense to average assets | 3.0650% | 3,404 |
| Loan and lease loss provision to assets | 0.5827% | 1,483 |
| Net operating income to assets | -0.1962% | 6,558 |
| Return on assets (ROA) | -0.1962% | 6,573 |
| Pretax return on assets | -0.1962% | 6,536 |
| Return on Equity (ROE) | -2.4834% | 6,630 |
| Retained earnings to average equity (ytd only) | -2.4834% | 6,219 |
| Net charge-offs to loans | 0.3774% | 2,561 |
| Credit loss provision to net charge-offs | 191.0828% | 1,548 |
| Earnings coverage of net charge-offs (x) | 1.2675% | 3,721 |
| Efficiency ratio | 88.3512% | 1,471 |
| Assets per employee ($millions) | 3.8025% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 5,593 |
| Loan loss allowance to noncurrent loans | 33.9059% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 8.3429% | 550 |
| Noncurrent loans to loans | 3.5639% | 2,086 |
| Net loans and leases to total assets | 78.5956% | 667 |
| Net loans and leases to deposits | 86.7274% | 1,614 |
| Net loans and leases to core deposits | 92.7863% | 2,033 |
| Total domestic deposits to total assets | 90.6237% | 788 |
| Equity capital to assets | 7.9080% | 6,588 |
| Core capital (leverage) ratio | 7.5868% | 6,667 |
| Tier 1 risk-based capital ratio | 10.3220% | 6,896 |
| Total risk-based capital ratio | 11.2731% | 6,992 |
| Memoranda: | ||
| Average total assets | $205,936,000 | 3,034 |
| Average earning assets | $180,483,000 | 3,142 |
| Average equity | $16,268,000 | 3,678 |
| Average total loans | $166,398,000 | 2,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 3,057 |
| Cost of funding earning assets | 1.7796% | 1,257 |
| Net interest margin | 3.5347% | 5,095 |
| Noninterest income to average assets | 0.6770% | 2,984 |
| Noninterest expense to average assets | 3.5655% | 2,018 |
| Loan and lease loss provision to assets | 1.6589% | 861 |
| Net operating income to assets | -1.1329% | 6,754 |
| Return on assets (ROA) | -1.1329% | 6,779 |
| Pretax return on assets | -1.3773% | 6,809 |
| Return on Equity (ROE) | -14.2122% | 6,892 |
| Retained earnings to average equity (ytd only) | -14.2122% | 6,852 |
| Net charge-offs to loans | 1.2370% | 1,815 |
| Credit loss provision to net charge-offs | 161.9069% | 2,147 |
| Earnings coverage of net charge-offs (x) | 0.2748% | 5,834 |
| Efficiency ratio | 92.1555% | 1,173 |
| Assets per employee ($millions) | 3.8247% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,696 |
| Loan loss allowance to noncurrent loans | 26.6389% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 9.6889% | 433 |
| Noncurrent loans to loans | 5.1046% | 1,305 |
| Net loans and leases to total assets | 80.9220% | 547 |
| Net loans and leases to deposits | 90.7523% | 1,430 |
| Net loans and leases to core deposits | 96.1994% | 1,986 |
| Total domestic deposits to total assets | 89.1680% | 1,552 |
| Equity capital to assets | 7.8911% | 6,593 |
| Core capital (leverage) ratio | 7.5803% | 6,635 |
| Tier 1 risk-based capital ratio | 10.0489% | 6,959 |
| Total risk-based capital ratio | 11.3016% | 6,949 |
| Memoranda: | ||
| Average total assets | $218,031,000 | 2,894 |
| Average earning assets | $195,546,800 | 2,932 |
| Average equity | $17,379,400 | 3,523 |
| Average total loans | $180,602,000 | 2,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 3,175 |
| Cost of funding earning assets | 1.8741% | 1,120 |
| Net interest margin | 3.4635% | 5,440 |
| Noninterest income to average assets | 0.6313% | 3,241 |
| Noninterest expense to average assets | 3.5152% | 2,005 |
| Loan and lease loss provision to assets | 0.8553% | 1,773 |
| Net operating income to assets | -0.3796% | 6,499 |
| Return on assets (ROA) | -0.3796% | 6,548 |
| Pretax return on assets | -0.6168% | 6,624 |
| Return on Equity (ROE) | -4.7516% | 6,631 |
| Retained earnings to average equity (ytd only) | -4.7516% | 6,537 |
| Net charge-offs to loans | 0.3839% | 3,757 |
| Credit loss provision to net charge-offs | 268.3712% | 1,227 |
| Earnings coverage of net charge-offs (x) | 0.7481% | 5,316 |
| Efficiency ratio | 93.0696% | 1,053 |
| Assets per employee ($millions) | 3.9290% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,462 |
| Loan loss allowance to noncurrent loans | 23.8302% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 8.1076% | 617 |
| Noncurrent loans to loans | 5.0634% | 1,359 |
| Net loans and leases to total assets | 81.2341% | 592 |
| Net loans and leases to deposits | 92.0644% | 1,436 |
| Net loans and leases to core deposits | 98.5936% | 1,982 |
| Total domestic deposits to total assets | 88.2361% | 1,839 |
| Equity capital to assets | 8.0289% | 6,780 |
| Core capital (leverage) ratio | 8.0900% | 6,212 |
| Tier 1 risk-based capital ratio | 10.9158% | 6,448 |
| Total risk-based capital ratio | 12.1657% | 6,429 |
| Memoranda: | ||
| Average total assets | $220,904,750 | 2,900 |
| Average earning assets | $199,136,000 | 2,934 |
| Average equity | $17,649,750 | 3,528 |
| Average total loans | $183,393,250 | 2,350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3262% | 3,340 |
| Cost of funding earning assets | 1.9686% | 989 |
| Net interest margin | 3.3576% | 5,810 |
| Noninterest income to average assets | 0.6274% | 3,148 |
| Noninterest expense to average assets | 3.4390% | 2,169 |
| Loan and lease loss provision to assets | 0.6301% | 2,270 |
| Net operating income to assets | -0.2454% | 6,409 |
| Return on assets (ROA) | -0.2454% | 6,448 |
| Pretax return on assets | -0.4108% | 6,521 |
| Return on Equity (ROE) | -3.0761% | 6,524 |
| Retained earnings to average equity (ytd only) | -3.0761% | 6,311 |
| Net charge-offs to loans | 0.3055% | 3,786 |
| Credit loss provision to net charge-offs | 247.7032% | 1,555 |
| Earnings coverage of net charge-offs (x) | 0.8622% | 4,903 |
| Efficiency ratio | 93.4152% | 1,095 |
| Assets per employee ($millions) | 3.8589% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,898 |
| Loan loss allowance to noncurrent loans | 25.9694% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 6.9591% | 764 |
| Noncurrent loans to loans | 4.2760% | 1,739 |
| Net loans and leases to total assets | 82.4316% | 494 |
| Net loans and leases to deposits | 93.8959% | 1,289 |
| Net loans and leases to core deposits | 100.2161% | 1,991 |
| Total domestic deposits to total assets | 87.7903% | 2,112 |
| Equity capital to assets | 8.0466% | 6,701 |
| Core capital (leverage) ratio | 8.1045% | 6,109 |
| Tier 1 risk-based capital ratio | 10.4894% | 6,697 |
| Total risk-based capital ratio | 11.6879% | 6,716 |
| Memoranda: | ||
| Average total assets | $222,508,330 | 2,901 |
| Average earning assets | $200,857,670 | 2,935 |
| Average equity | $17,749,670 | 3,501 |
| Average total loans | $185,295,670 | 2,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 3,022 |
| Cost of funding earning assets | 2.1198% | 760 |
| Net interest margin | 3.2838% | 6,037 |
| Noninterest income to average assets | 0.5666% | 3,511 |
| Noninterest expense to average assets | 3.5534% | 1,837 |
| Loan and lease loss provision to assets | 0.4326% | 2,793 |
| Net operating income to assets | -0.2896% | 6,654 |
| Return on assets (ROA) | -0.2896% | 6,711 |
| Pretax return on assets | -0.4594% | 6,755 |
| Return on Equity (ROE) | -3.6456% | 6,793 |
| Retained earnings to average equity (ytd only) | -3.6456% | 6,453 |
| Net charge-offs to loans | 0.1460% | 4,058 |
| Credit loss provision to net charge-offs | 355.8824% | 1,141 |
| Earnings coverage of net charge-offs (x) | -0.2206% | 5,170 |
| Efficiency ratio | 100.1521% | 835 |
| Assets per employee ($millions) | 3.6818% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 6,573 |
| Loan loss allowance to noncurrent loans | 45.0648% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 5.1760% | 1,224 |
| Noncurrent loans to loans | 2.1653% | 3,574 |
| Net loans and leases to total assets | 83.0570% | 468 |
| Net loans and leases to deposits | 95.1995% | 1,201 |
| Net loans and leases to core deposits | 103.7549% | 1,764 |
| Total domestic deposits to total assets | 87.2452% | 2,508 |
| Equity capital to assets | 8.0573% | 6,593 |
| Core capital (leverage) ratio | 8.1145% | 6,049 |
| Tier 1 risk-based capital ratio | 10.5549% | 6,579 |
| Total risk-based capital ratio | 11.6198% | 6,738 |
| Memoranda: | ||
| Average total assets | $223,784,000 | 2,943 |
| Average earning assets | $201,720,000 | 2,970 |
| Average equity | $17,775,000 | 3,525 |
| Average total loans | $186,268,500 | 2,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 2,231 |
| Cost of funding earning assets | 2.8189% | 422 |
| Net interest margin | 3.0820% | 6,424 |
| Noninterest income to average assets | 0.6494% | 3,297 |
| Noninterest expense to average assets | 3.3896% | 2,715 |
| Loan and lease loss provision to assets | 0.9011% | 2,498 |
| Net operating income to assets | -0.5244% | 6,215 |
| Return on assets (ROA) | -0.5244% | 6,204 |
| Pretax return on assets | -0.8610% | 6,311 |
| Return on Equity (ROE) | -6.5104% | 6,348 |
| Retained earnings to average equity (ytd only) | -6.5104% | 6,199 |
| Net charge-offs to loans | 0.7831% | 2,866 |
| Credit loss provision to net charge-offs | 136.3876% | 3,620 |
| Earnings coverage of net charge-offs (x) | 0.0606% | 6,105 |
| Efficiency ratio | 98.3619% | 1,191 |
| Assets per employee ($millions) | 3.5978% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,528 |
| Loan loss allowance to noncurrent loans | 59.9407% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 5.2289% | 1,140 |
| Noncurrent loans to loans | 1.6197% | 4,220 |
| Net loans and leases to total assets | 81.8104% | 713 |
| Net loans and leases to deposits | 93.5392% | 1,657 |
| Net loans and leases to core deposits | 147.8504% | 561 |
| Total domestic deposits to total assets | 87.4611% | 2,238 |
| Equity capital to assets | 7.8315% | 6,737 |
| Core capital (leverage) ratio | 7.9740% | 6,233 |
| Tier 1 risk-based capital ratio | 10.2882% | 6,604 |
| Total risk-based capital ratio | 11.3234% | 6,777 |
| Memoranda: | ||
| Average total assets | $229,610,800 | 2,828 |
| Average earning assets | $207,137,400 | 2,871 |
| Average equity | $18,493,600 | 3,428 |
| Average total loans | $193,720,400 | 2,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 2,079 |
| Cost of funding earning assets | 2.9271% | 409 |
| Net interest margin | 3.0643% | 6,422 |
| Noninterest income to average assets | 0.6083% | 3,627 |
| Noninterest expense to average assets | 3.3577% | 2,696 |
| Loan and lease loss provision to assets | 1.1455% | 1,699 |
| Net operating income to assets | -0.6726% | 6,579 |
| Return on assets (ROA) | -0.6726% | 6,589 |
| Pretax return on assets | -1.1281% | 6,782 |
| Return on Equity (ROE) | -8.2942% | 6,756 |
| Retained earnings to average equity (ytd only) | -8.2942% | 6,634 |
| Net charge-offs to loans | 0.5194% | 3,138 |
| Credit loss provision to net charge-offs | 260.0526% | 1,642 |
| Earnings coverage of net charge-offs (x) | 0.0394% | 6,011 |
| Efficiency ratio | 99.0225% | 1,112 |
| Assets per employee ($millions) | 3.5502% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,407 |
| Loan loss allowance to noncurrent loans | 87.8809% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 4.5209% | 1,349 |
| Noncurrent loans to loans | 1.4966% | 4,417 |
| Net loans and leases to total assets | 83.8159% | 564 |
| Net loans and leases to deposits | 97.4401% | 1,389 |
| Net loans and leases to core deposits | 152.0536% | 538 |
| Total domestic deposits to total assets | 86.0178% | 2,700 |
| Equity capital to assets | 7.8703% | 6,970 |
| Core capital (leverage) ratio | 7.9914% | 6,374 |
| Tier 1 risk-based capital ratio | 10.1902% | 6,787 |
| Total risk-based capital ratio | 11.4401% | 6,728 |
| Memoranda: | ||
| Average total assets | $230,347,750 | 2,842 |
| Average earning assets | $207,984,500 | 2,881 |
| Average equity | $18,679,250 | 3,421 |
| Average total loans | $195,337,500 | 2,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1364% | 1,662 |
| Cost of funding earning assets | 3.0481% | 412 |
| Net interest margin | 3.0884% | 6,286 |
| Noninterest income to average assets | 0.5385% | 4,119 |
| Noninterest expense to average assets | 2.9664% | 4,223 |
| Loan and lease loss provision to assets | 0.8038% | 2,081 |
| Net operating income to assets | -0.2835% | 6,310 |
| Return on assets (ROA) | -0.2835% | 6,324 |
| Pretax return on assets | -0.4503% | 6,371 |
| Return on Equity (ROE) | -3.4627% | 6,415 |
| Retained earnings to average equity (ytd only) | -3.4627% | 6,040 |
| Net charge-offs to loans | 0.1112% | 5,047 |
| Credit loss provision to net charge-offs | 853.2110% | 559 |
| Earnings coverage of net charge-offs (x) | 3.7523% | 3,320 |
| Efficiency ratio | 88.8571% | 1,922 |
| Assets per employee ($millions) | 3.5079% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,375 |
| Loan loss allowance to noncurrent loans | 34.0264% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 6.3571% | 732 |
| Noncurrent loans to loans | 3.3280% | 2,121 |
| Net loans and leases to total assets | 83.9703% | 643 |
| Net loans and leases to deposits | 101.6814% | 1,101 |
| Net loans and leases to core deposits | 158.3473% | 480 |
| Total domestic deposits to total assets | 82.5818% | 4,435 |
| Equity capital to assets | 8.2091% | 6,474 |
| Core capital (leverage) ratio | 8.3296% | 5,742 |
| Tier 1 risk-based capital ratio | 10.4217% | 6,454 |
| Total risk-based capital ratio | 11.6256% | 6,441 |
| Memoranda: | ||
| Average total assets | $231,393,670 | 2,844 |
| Average earning assets | $208,395,000 | 2,892 |
| Average equity | $18,945,000 | 3,401 |
| Average total loans | $196,124,670 | 2,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2319% | 1,497 |
| Cost of funding earning assets | 3.0941% | 467 |
| Net interest margin | 3.1378% | 6,074 |
| Noninterest income to average assets | 0.5921% | 3,608 |
| Noninterest expense to average assets | 2.9002% | 4,155 |
| Loan and lease loss provision to assets | 0.2591% | 3,892 |
| Net operating income to assets | 0.1665% | 5,769 |
| Return on assets (ROA) | 0.1665% | 5,935 |
| Pretax return on assets | 0.2643% | 5,774 |
| Return on Equity (ROE) | 2.0358% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0358% | 4,727 |
| Net charge-offs to loans | 0.3466% | 2,699 |
| Credit loss provision to net charge-offs | 88.3041% | 4,038 |
| Earnings coverage of net charge-offs (x) | 1.7836% | 3,840 |
| Efficiency ratio | 84.1604% | 2,285 |
| Assets per employee ($millions) | 3.5553% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,127 |
| Loan loss allowance to noncurrent loans | 37.1389% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 4.5082% | 1,066 |
| Noncurrent loans to loans | 2.1774% | 3,013 |
| Net loans and leases to total assets | 85.2994% | 520 |
| Net loans and leases to deposits | 107.6135% | 753 |
| Net loans and leases to core deposits | 164.8409% | 421 |
| Total domestic deposits to total assets | 79.2645% | 5,622 |
| Equity capital to assets | 8.2603% | 6,445 |
| Core capital (leverage) ratio | 8.3977% | 5,720 |
| Tier 1 risk-based capital ratio | 10.7047% | 6,182 |
| Total risk-based capital ratio | 11.5914% | 6,471 |
| Memoranda: | ||
| Average total assets | $233,083,500 | 2,840 |
| Average earning assets | $210,338,500 | 2,877 |
| Average equity | $19,058,500 | 3,409 |
| Average total loans | $197,358,500 | 2,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8475% | 1,536 |
| Cost of funding earning assets | 3.6120% | 373 |
| Net interest margin | 3.2355% | 6,258 |
| Noninterest income to average assets | 0.5523% | 4,210 |
| Noninterest expense to average assets | 3.2932% | 2,986 |
| Loan and lease loss provision to assets | 0.9809% | 1,502 |
| Net operating income to assets | -0.5240% | 6,935 |
| Return on assets (ROA) | -0.5240% | 6,816 |
| Pretax return on assets | -0.7220% | 6,825 |
| Return on Equity (ROE) | -5.8847% | 6,956 |
| Retained earnings to average equity (ytd only) | -5.8847% | 6,651 |
| Net charge-offs to loans | 0.6788% | 1,813 |
| Credit loss provision to net charge-offs | 172.2265% | 2,969 |
| Earnings coverage of net charge-offs (x) | 0.4546% | 5,961 |
| Efficiency ratio | 92.1259% | 1,377 |
| Assets per employee ($millions) | 3.5086% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 6,953 |
| Loan loss allowance to noncurrent loans | 108.4712% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 3.2951% | 1,371 |
| Noncurrent loans to loans | 0.7710% | 5,106 |
| Net loans and leases to total assets | 82.6762% | 1,106 |
| Net loans and leases to deposits | 106.6129% | 1,070 |
| Net loans and leases to core deposits | 163.9609% | 506 |
| Total domestic deposits to total assets | 77.5480% | 5,859 |
| Equity capital to assets | 8.0944% | 6,705 |
| Core capital (leverage) ratio | 8.2142% | 6,140 |
| Tier 1 risk-based capital ratio | 10.7697% | 5,937 |
| Total risk-based capital ratio | 11.6844% | 6,153 |
| Memoranda: | ||
| Average total assets | $226,315,000 | 2,815 |
| Average earning assets | $209,828,600 | 2,775 |
| Average equity | $20,153,800 | 3,207 |
| Average total loans | $189,906,800 | 2,392 |