Home > Team Capital Bank > Performance and Condition Ratios
Team Capital Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,828 |
| Cost of funding earning assets | 0.6526% | 1,567 |
| Net interest margin | 3.5599% | 3,436 |
| Noninterest income to average assets | 0.2735% | 5,187 |
| Noninterest expense to average assets | 2.5027% | 4,617 |
| Loan and lease loss provision to assets | 0.0292% | 3,442 |
| Net operating income to assets | 0.7554% | 3,386 |
| Return on assets (ROA) | 0.8086% | 3,184 |
| Pretax return on assets | 1.0922% | 2,945 |
| Return on Equity (ROE) | 8.0797% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.8432% | 1,665 |
| Net charge-offs to loans | 0.2051% | 1,518 |
| Credit loss provision to net charge-offs | 21.7666% | 2,482 |
| Earnings coverage of net charge-offs (x) | 7.8328% | 2,087 |
| Efficiency ratio | 70.4545% | 3,750 |
| Assets per employee ($millions) | 6.9758% | 815 |
| Cash dividends to net income (ytd only)* | 2.9273% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,544 |
| Loan loss allowance to noncurrent loans | 246.0615% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 4,793 |
| Noncurrent loans to loans | 0.5736% | 4,444 |
| Net loans and leases to total assets | 64.8534% | 2,749 |
| Net loans and leases to deposits | 83.2881% | 1,910 |
| Net loans and leases to core deposits | 102.7046% | 946 |
| Total domestic deposits to total assets | 77.8663% | 5,853 |
| Equity capital to assets | 10.2560% | 3,529 |
| Core capital (leverage) ratio | 10.3575% | 3,108 |
| Tier 1 risk-based capital ratio | 13.5761% | 4,620 |
| Total risk-based capital ratio | 14.7963% | 4,591 |
| Memoranda: | ||
| Average total assets | $946,346,000 | 719 |
| Average earning assets | $871,594,500 | 706 |
| Average equity | $94,706,000 | 771 |
| Average total loans | $618,240,500 | 698 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 3,371 |
| Cost of funding earning assets | 0.6310% | 2,379 |
| Net interest margin | 3.5612% | 3,633 |
| Noninterest income to average assets | 0.2949% | 5,244 |
| Noninterest expense to average assets | 2.5348% | 4,660 |
| Loan and lease loss provision to assets | 0.1433% | 2,511 |
| Net operating income to assets | 0.6627% | 3,968 |
| Return on assets (ROA) | 0.6990% | 3,889 |
| Pretax return on assets | 0.9412% | 3,589 |
| Return on Equity (ROE) | 7.1725% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.9268% | 1,465 |
| Net charge-offs to loans | 0.0178% | 5,089 |
| Credit loss provision to net charge-offs | 1,326.7327% | 191 |
| Earnings coverage of net charge-offs (x) | 95.8911% | 475 |
| Efficiency ratio | 70.9995% | 3,671 |
| Assets per employee ($millions) | 6.8904% | 809 |
| Cash dividends to net income (ytd only)* | 3.4256% | 4,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 3,288 |
| Loan loss allowance to noncurrent loans | 305.0522% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 5,099 |
| Noncurrent loans to loans | 0.4848% | 4,782 |
| Net loans and leases to total assets | 63.9148% | 3,057 |
| Net loans and leases to deposits | 82.9467% | 2,071 |
| Net loans and leases to core deposits | 102.0058% | 1,029 |
| Total domestic deposits to total assets | 77.0553% | 5,961 |
| Equity capital to assets | 9.7578% | 4,089 |
| Core capital (leverage) ratio | 9.9410% | 3,654 |
| Tier 1 risk-based capital ratio | 13.3167% | 4,776 |
| Total risk-based capital ratio | 14.5715% | 4,712 |
| Memoranda: | ||
| Average total assets | $935,415,600 | 708 |
| Average earning assets | $860,289,000 | 694 |
| Average equity | $91,168,200 | 774 |
| Average total loans | $568,274,600 | 740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,545 |
| Cost of funding earning assets | 0.6234% | 2,620 |
| Net interest margin | 3.5324% | 3,746 |
| Noninterest income to average assets | 0.3210% | 5,121 |
| Noninterest expense to average assets | 2.4881% | 4,759 |
| Loan and lease loss provision to assets | 0.1819% | 1,998 |
| Net operating income to assets | 0.6632% | 4,050 |
| Return on assets (ROA) | 0.7099% | 3,939 |
| Pretax return on assets | 0.9638% | 3,630 |
| Return on Equity (ROE) | 7.2859% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.0395% | 1,852 |
| Net charge-offs to loans | 0.0237% | 4,658 |
| Credit loss provision to net charge-offs | 1,285.8586% | 246 |
| Earnings coverage of net charge-offs (x) | 76.5334% | 617 |
| Efficiency ratio | 69.6835% | 3,807 |
| Assets per employee ($millions) | 6.9796% | 759 |
| Cash dividends to net income (ytd only)* | 3.3809% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,360 |
| Loan loss allowance to noncurrent loans | 250.6132% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 5,009 |
| Noncurrent loans to loans | 0.6081% | 4,678 |
| Net loans and leases to total assets | 61.2127% | 3,489 |
| Net loans and leases to deposits | 77.9563% | 2,671 |
| Net loans and leases to core deposits | 97.2288% | 1,293 |
| Total domestic deposits to total assets | 78.5218% | 5,820 |
| Equity capital to assets | 9.2381% | 4,886 |
| Core capital (leverage) ratio | 9.8637% | 3,871 |
| Tier 1 risk-based capital ratio | 13.1018% | 5,055 |
| Total risk-based capital ratio | 14.3568% | 5,002 |
| Memoranda: | ||
| Average total assets | $933,272,250 | 713 |
| Average earning assets | $858,541,250 | 696 |
| Average equity | $90,932,000 | 780 |
| Average total loans | $557,241,750 | 749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 3,652 |
| Cost of funding earning assets | 0.6413% | 2,580 |
| Net interest margin | 3.4811% | 3,863 |
| Noninterest income to average assets | 0.3291% | 5,063 |
| Noninterest expense to average assets | 2.5514% | 4,558 |
| Loan and lease loss provision to assets | 0.1412% | 2,566 |
| Net operating income to assets | 0.6204% | 4,196 |
| Return on assets (ROA) | 0.6899% | 4,027 |
| Pretax return on assets | 0.9410% | 3,744 |
| Return on Equity (ROE) | 6.9577% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7143% | 2,033 |
| Net charge-offs to loans | 0.0275% | 4,314 |
| Credit loss provision to net charge-offs | 873.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 61.0533% | 691 |
| Efficiency ratio | 72.1082% | 3,450 |
| Assets per employee ($millions) | 6.7695% | 805 |
| Cash dividends to net income (ytd only)* | 3.4989% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,577 |
| Loan loss allowance to noncurrent loans | 631.4286% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 5,664 |
| Noncurrent loans to loans | 0.2380% | 5,708 |
| Net loans and leases to total assets | 59.7903% | 3,694 |
| Net loans and leases to deposits | 76.1878% | 2,848 |
| Net loans and leases to core deposits | 91.2449% | 1,786 |
| Total domestic deposits to total assets | 78.4775% | 5,882 |
| Equity capital to assets | 9.7577% | 4,232 |
| Core capital (leverage) ratio | 9.9305% | 3,618 |
| Tier 1 risk-based capital ratio | 13.4881% | 4,779 |
| Total risk-based capital ratio | 14.7429% | 4,731 |
| Memoranda: | ||
| Average total assets | $927,955,000 | 716 |
| Average earning assets | $855,481,000 | 699 |
| Average equity | $92,012,670 | 769 |
| Average total loans | $546,309,670 | 762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 3,424 |
| Cost of funding earning assets | 0.6865% | 2,330 |
| Net interest margin | 3.4845% | 3,769 |
| Noninterest income to average assets | 0.3242% | 5,109 |
| Noninterest expense to average assets | 2.5054% | 4,727 |
| Loan and lease loss provision to assets | 0.1151% | 2,795 |
| Net operating income to assets | 0.6435% | 3,998 |
| Return on assets (ROA) | 0.7754% | 3,441 |
| Pretax return on assets | 1.1091% | 2,921 |
| Return on Equity (ROE) | 7.7593% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.5187% | 1,934 |
| Net charge-offs to loans | -0.0793% | 6,347 |
| Credit loss provision to net charge-offs | -250.4673% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7530% | 3,840 |
| Assets per employee ($millions) | 6.8811% | 821 |
| Cash dividends to net income (ytd only)* | 3.1008% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,839 |
| Loan loss allowance to noncurrent loans | 327.5890% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 5,326 |
| Noncurrent loans to loans | 0.4571% | 5,277 |
| Net loans and leases to total assets | 57.1685% | 3,891 |
| Net loans and leases to deposits | 73.9880% | 2,921 |
| Net loans and leases to core deposits | 83.7881% | 2,344 |
| Total domestic deposits to total assets | 77.2673% | 6,217 |
| Equity capital to assets | 9.8972% | 4,282 |
| Core capital (leverage) ratio | 9.5236% | 4,041 |
| Tier 1 risk-based capital ratio | 13.4706% | 4,893 |
| Total risk-based capital ratio | 14.7248% | 4,853 |
| Memoranda: | ||
| Average total assets | $931,604,000 | 721 |
| Average earning assets | $860,044,500 | 700 |
| Average equity | $93,101,500 | 766 |
| Average total loans | $540,033,500 | 776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 4,079 |
| Cost of funding earning assets | 0.7697% | 2,920 |
| Net interest margin | 3.5628% | 4,255 |
| Noninterest income to average assets | 0.2321% | 5,784 |
| Noninterest expense to average assets | 2.4582% | 5,227 |
| Loan and lease loss provision to assets | 0.3627% | 1,826 |
| Net operating income to assets | 0.5507% | 4,471 |
| Return on assets (ROA) | 0.6347% | 4,332 |
| Pretax return on assets | 0.8257% | 4,201 |
| Return on Equity (ROE) | 6.2826% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0320% | 2,062 |
| Net charge-offs to loans | 0.4766% | 2,334 |
| Credit loss provision to net charge-offs | 135.7868% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.0402% | 3,503 |
| Efficiency ratio | 69.4905% | 3,899 |
| Assets per employee ($millions) | 6.7190% | 893 |
| Cash dividends to net income (ytd only)* | 3.9879% | 4,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 3,879 |
| Loan loss allowance to noncurrent loans | 444.7099% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,569 |
| Noncurrent loans to loans | 0.3299% | 5,660 |
| Net loans and leases to total assets | 57.0477% | 4,114 |
| Net loans and leases to deposits | 73.9256% | 3,097 |
| Net loans and leases to core deposits | 84.1749% | 2,528 |
| Total domestic deposits to total assets | 77.1690% | 6,203 |
| Equity capital to assets | 10.0924% | 4,045 |
| Core capital (leverage) ratio | 9.5873% | 3,984 |
| Tier 1 risk-based capital ratio | 13.4382% | 4,800 |
| Total risk-based capital ratio | 14.6598% | 4,768 |
| Memoranda: | ||
| Average total assets | $884,955,000 | 740 |
| Average earning assets | $821,005,600 | 728 |
| Average equity | $89,406,200 | 783 |
| Average total loans | $496,023,400 | 831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 4,227 |
| Cost of funding earning assets | 0.7887% | 3,037 |
| Net interest margin | 3.5658% | 4,373 |
| Noninterest income to average assets | 0.2217% | 5,967 |
| Noninterest expense to average assets | 2.4551% | 5,226 |
| Loan and lease loss provision to assets | 0.3485% | 1,878 |
| Net operating income to assets | 0.5617% | 4,564 |
| Return on assets (ROA) | 0.6247% | 4,522 |
| Pretax return on assets | 0.8101% | 4,446 |
| Return on Equity (ROE) | 6.1821% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.9291% | 2,743 |
| Net charge-offs to loans | 0.5442% | 1,972 |
| Credit loss provision to net charge-offs | 115.2491% | 2,528 |
| Earnings coverage of net charge-offs (x) | 3.5606% | 3,592 |
| Efficiency ratio | 69.5135% | 3,786 |
| Assets per employee ($millions) | 6.9123% | 776 |
| Cash dividends to net income (ytd only)* | 4.0925% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,393 |
| Loan loss allowance to noncurrent loans | 450.4644% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 5,780 |
| Noncurrent loans to loans | 0.3099% | 5,865 |
| Net loans and leases to total assets | 56.3200% | 4,397 |
| Net loans and leases to deposits | 70.2924% | 3,857 |
| Net loans and leases to core deposits | 78.5912% | 3,376 |
| Total domestic deposits to total assets | 80.1225% | 5,621 |
| Equity capital to assets | 10.0595% | 4,407 |
| Core capital (leverage) ratio | 9.4650% | 4,324 |
| Tier 1 risk-based capital ratio | 13.7405% | 4,730 |
| Total risk-based capital ratio | 14.9251% | 4,721 |
| Memoranda: | ||
| Average total assets | $876,068,750 | 758 |
| Average earning assets | $813,267,250 | 736 |
| Average equity | $88,532,500 | 790 |
| Average total loans | $486,793,750 | 853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 4,195 |
| Cost of funding earning assets | 0.8145% | 3,079 |
| Net interest margin | 3.5841% | 4,331 |
| Noninterest income to average assets | 0.2093% | 6,065 |
| Noninterest expense to average assets | 2.4404% | 5,325 |
| Loan and lease loss provision to assets | 0.3433% | 1,917 |
| Net operating income to assets | 0.5723% | 4,487 |
| Return on assets (ROA) | 0.6669% | 4,289 |
| Pretax return on assets | 0.8720% | 4,190 |
| Return on Equity (ROE) | 6.5890% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.3329% | 2,483 |
| Net charge-offs to loans | 0.6564% | 1,684 |
| Credit loss provision to net charge-offs | 95.0641% | 2,903 |
| Earnings coverage of net charge-offs (x) | 3.0205% | 3,541 |
| Efficiency ratio | 69.1097% | 3,915 |
| Assets per employee ($millions) | 7.0336% | 715 |
| Cash dividends to net income (ytd only)* | 3.8875% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,559 |
| Loan loss allowance to noncurrent loans | 508.1061% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 5,900 |
| Noncurrent loans to loans | 0.2703% | 6,041 |
| Net loans and leases to total assets | 53.3311% | 4,910 |
| Net loans and leases to deposits | 67.1265% | 4,339 |
| Net loans and leases to core deposits | 75.9622% | 3,772 |
| Total domestic deposits to total assets | 79.4487% | 5,873 |
| Equity capital to assets | 9.6398% | 4,850 |
| Core capital (leverage) ratio | 9.7515% | 3,777 |
| Tier 1 risk-based capital ratio | 13.8355% | 4,570 |
| Total risk-based capital ratio | 14.9836% | 4,612 |
| Memoranda: | ||
| Average total assets | $863,952,670 | 768 |
| Average earning assets | $800,767,670 | 753 |
| Average equity | $87,448,330 | 792 |
| Average total loans | $475,342,330 | 870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 3,893 |
| Cost of funding earning assets | 0.8439% | 3,111 |
| Net interest margin | 3.6596% | 4,010 |
| Noninterest income to average assets | 0.2371% | 5,935 |
| Noninterest expense to average assets | 2.4999% | 5,151 |
| Loan and lease loss provision to assets | 0.3251% | 1,926 |
| Net operating income to assets | 0.6191% | 4,266 |
| Return on assets (ROA) | 0.6228% | 4,457 |
| Pretax return on assets | 0.7955% | 4,429 |
| Return on Equity (ROE) | 5.9938% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.7346% | 3,122 |
| Net charge-offs to loans | 0.5048% | 1,825 |
| Credit loss provision to net charge-offs | 115.9520% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.9794% | 2,701 |
| Efficiency ratio | 69.1407% | 3,956 |
| Assets per employee ($millions) | 6.4199% | 1,025 |
| Cash dividends to net income (ytd only)* | 4.3243% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 4,075 |
| Loan loss allowance to noncurrent loans | 164.1115% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 5,429 |
| Noncurrent loans to loans | 0.9246% | 4,818 |
| Net loans and leases to total assets | 54.9405% | 4,565 |
| Net loans and leases to deposits | 69.4405% | 3,811 |
| Net loans and leases to core deposits | 81.7178% | 2,870 |
| Total domestic deposits to total assets | 79.1189% | 6,049 |
| Equity capital to assets | 10.4666% | 3,531 |
| Core capital (leverage) ratio | 10.0453% | 3,313 |
| Tier 1 risk-based capital ratio | 14.4406% | 4,153 |
| Total risk-based capital ratio | 15.6906% | 4,118 |
| Memoranda: | ||
| Average total assets | $831,709,500 | 798 |
| Average earning assets | $767,841,000 | 786 |
| Average equity | $86,422,500 | 797 |
| Average total loans | $461,992,500 | 889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 4,395 |
| Cost of funding earning assets | 0.9735% | 3,550 |
| Net interest margin | 3.6919% | 4,333 |
| Noninterest income to average assets | 0.1530% | 6,388 |
| Noninterest expense to average assets | 2.6802% | 4,819 |
| Loan and lease loss provision to assets | 0.4694% | 2,249 |
| Net operating income to assets | 0.3352% | 5,124 |
| Return on assets (ROA) | 0.4192% | 4,963 |
| Pretax return on assets | 0.5393% | 4,876 |
| Return on Equity (ROE) | 4.6383% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.4909% | 2,976 |
| Net charge-offs to loans | 0.4745% | 3,094 |
| Credit loss provision to net charge-offs | 178.9447% | 1,462 |
| Earnings coverage of net charge-offs (x) | 3.4350% | 3,522 |
| Efficiency ratio | 74.8377% | 3,082 |
| Assets per employee ($millions) | 6.7385% | 843 |
| Cash dividends to net income (ytd only)* | 3.1776% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,930 |
| Loan loss allowance to noncurrent loans | 198.8024% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 5,779 |
| Noncurrent loans to loans | 0.7651% | 5,162 |
| Net loans and leases to total assets | 54.4648% | 4,959 |
| Net loans and leases to deposits | 70.1464% | 4,071 |
| Net loans and leases to core deposits | 82.3709% | 3,124 |
| Total domestic deposits to total assets | 77.6445% | 6,249 |
| Equity capital to assets | 10.3147% | 3,760 |
| Core capital (leverage) ratio | 10.1077% | 3,218 |
| Tier 1 risk-based capital ratio | 14.4955% | 3,979 |
| Total risk-based capital ratio | 15.7456% | 3,954 |
| Memoranda: | ||
| Average total assets | $765,796,600 | 859 |
| Average earning assets | $711,117,600 | 835 |
| Average equity | $69,206,400 | 975 |
| Average total loans | $423,397,600 | 991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 4,461 |
| Cost of funding earning assets | 1.0070% | 3,629 |
| Net interest margin | 3.6942% | 4,359 |
| Noninterest income to average assets | 0.1408% | 6,541 |
| Noninterest expense to average assets | 2.8366% | 4,209 |
| Loan and lease loss provision to assets | 0.4416% | 2,266 |
| Net operating income to assets | 0.2417% | 5,588 |
| Return on assets (ROA) | 0.3331% | 5,447 |
| Pretax return on assets | 0.4195% | 5,410 |
| Return on Equity (ROE) | 3.8360% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.7419% | 4,084 |
| Net charge-offs to loans | 0.6566% | 2,285 |
| Credit loss provision to net charge-offs | 121.6454% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.0534% | 4,120 |
| Efficiency ratio | 79.1911% | 2,376 |
| Assets per employee ($millions) | 6.4837% | 952 |
| Cash dividends to net income (ytd only)* | 2.4546% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,825 |
| Loan loss allowance to noncurrent loans | 164.1228% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 5,836 |
| Noncurrent loans to loans | 0.8153% | 5,236 |
| Net loans and leases to total assets | 53.8834% | 5,178 |
| Net loans and leases to deposits | 69.0627% | 4,442 |
| Net loans and leases to core deposits | 80.5392% | 3,559 |
| Total domestic deposits to total assets | 78.0210% | 6,189 |
| Equity capital to assets | 10.6366% | 3,532 |
| Core capital (leverage) ratio | 10.2004% | 3,194 |
| Tier 1 risk-based capital ratio | 15.0445% | 3,637 |
| Total risk-based capital ratio | 16.1553% | 3,689 |
| Memoranda: | ||
| Average total assets | $750,037,500 | 887 |
| Average earning assets | $698,667,000 | 866 |
| Average equity | $65,135,000 | 1,041 |
| Average total loans | $414,648,500 | 1,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 4,482 |
| Cost of funding earning assets | 1.0215% | 3,807 |
| Net interest margin | 3.6910% | 4,304 |
| Noninterest income to average assets | 0.1411% | 6,618 |
| Noninterest expense to average assets | 2.9991% | 3,645 |
| Loan and lease loss provision to assets | 0.4209% | 2,330 |
| Net operating income to assets | 0.1577% | 5,860 |
| Return on assets (ROA) | 0.1939% | 5,872 |
| Pretax return on assets | 0.2089% | 5,912 |
| Return on Equity (ROE) | 2.4312% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.4312% | 4,741 |
| Net charge-offs to loans | 0.2870% | 3,441 |
| Credit loss provision to net charge-offs | 264.1026% | 1,151 |
| Earnings coverage of net charge-offs (x) | 3.7077% | 3,073 |
| Efficiency ratio | 83.5420% | 1,880 |
| Assets per employee ($millions) | 6.7245% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 4,193 |
| Loan loss allowance to noncurrent loans | 123.2233% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 5,442 |
| Noncurrent loans to loans | 1.2063% | 4,642 |
| Net loans and leases to total assets | 54.3845% | 5,240 |
| Net loans and leases to deposits | 67.5281% | 4,783 |
| Net loans and leases to core deposits | 85.3721% | 3,015 |
| Total domestic deposits to total assets | 80.5361% | 5,674 |
| Equity capital to assets | 7.8207% | 6,794 |
| Core capital (leverage) ratio | 7.6174% | 6,654 |
| Tier 1 risk-based capital ratio | 10.7056% | 6,711 |
| Total risk-based capital ratio | 11.9333% | 6,704 |
| Memoranda: | ||
| Average total assets | $734,218,670 | 906 |
| Average earning assets | $686,047,670 | 888 |
| Average equity | $58,571,330 | 1,144 |
| Average total loans | $407,683,000 | 1,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 4,328 |
| Cost of funding earning assets | 1.0674% | 3,737 |
| Net interest margin | 3.6736% | 4,234 |
| Noninterest income to average assets | 0.1729% | 6,492 |
| Noninterest expense to average assets | 2.9289% | 3,951 |
| Loan and lease loss provision to assets | 0.3347% | 2,554 |
| Net operating income to assets | 0.2716% | 5,537 |
| Return on assets (ROA) | 0.3140% | 5,412 |
| Pretax return on assets | 0.4002% | 5,342 |
| Return on Equity (ROE) | 3.8947% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.8947% | 3,835 |
| Net charge-offs to loans | 0.0703% | 4,227 |
| Credit loss provision to net charge-offs | 854.2857% | 450 |
| Earnings coverage of net charge-offs (x) | 17.3714% | 1,225 |
| Efficiency ratio | 81.1444% | 2,348 |
| Assets per employee ($millions) | 6.2733% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 4,352 |
| Loan loss allowance to noncurrent loans | 117.9497% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 5,423 |
| Noncurrent loans to loans | 1.2449% | 4,608 |
| Net loans and leases to total assets | 55.0084% | 5,158 |
| Net loans and leases to deposits | 68.6894% | 4,579 |
| Net loans and leases to core deposits | 83.0131% | 3,303 |
| Total domestic deposits to total assets | 80.0827% | 5,928 |
| Equity capital to assets | 8.0973% | 6,393 |
| Core capital (leverage) ratio | 7.7161% | 6,544 |
| Tier 1 risk-based capital ratio | 11.2282% | 6,328 |
| Total risk-based capital ratio | 12.4336% | 6,337 |
| Memoranda: | ||
| Average total assets | $714,667,000 | 932 |
| Average earning assets | $668,548,500 | 911 |
| Average equity | $57,617,500 | 1,148 |
| Average total loans | $398,068,000 | 1,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8272% | 5,323 |
| Cost of funding earning assets | 1.3514% | 3,562 |
| Net interest margin | 3.4758% | 5,339 |
| Noninterest income to average assets | 0.1794% | 6,467 |
| Noninterest expense to average assets | 2.6056% | 5,392 |
| Loan and lease loss provision to assets | 0.5116% | 3,105 |
| Net operating income to assets | 0.2201% | 5,217 |
| Return on assets (ROA) | 0.4611% | 4,434 |
| Pretax return on assets | 0.6528% | 4,155 |
| Return on Equity (ROE) | 5.6227% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.6227% | 2,040 |
| Net charge-offs to loans | 0.6355% | 3,117 |
| Credit loss provision to net charge-offs | 149.4098% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.4094% | 3,924 |
| Efficiency ratio | 75.9510% | 3,062 |
| Assets per employee ($millions) | 6.5546% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,661 |
| Loan loss allowance to noncurrent loans | 107.5265% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 5,414 |
| Noncurrent loans to loans | 1.2733% | 4,588 |
| Net loans and leases to total assets | 54.8082% | 5,525 |
| Net loans and leases to deposits | 68.7150% | 5,003 |
| Net loans and leases to core deposits | 78.9813% | 4,344 |
| Total domestic deposits to total assets | 79.7615% | 5,895 |
| Equity capital to assets | 8.0263% | 6,473 |
| Core capital (leverage) ratio | 7.8463% | 6,382 |
| Tier 1 risk-based capital ratio | 11.3853% | 6,006 |
| Total risk-based capital ratio | 12.5106% | 6,109 |
| Memoranda: | ||
| Average total assets | $692,691,600 | 962 |
| Average earning assets | $647,938,200 | 940 |
| Average equity | $56,805,800 | 1,171 |
| Average total loans | $373,246,200 | 1,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 5,417 |
| Cost of funding earning assets | 1.3994% | 3,592 |
| Net interest margin | 3.4658% | 5,430 |
| Noninterest income to average assets | 0.1755% | 6,627 |
| Noninterest expense to average assets | 2.5712% | 5,426 |
| Loan and lease loss provision to assets | 0.4914% | 3,011 |
| Net operating income to assets | 0.2480% | 5,359 |
| Return on assets (ROA) | 0.4239% | 4,826 |
| Pretax return on assets | 0.5967% | 4,607 |
| Return on Equity (ROE) | 5.1405% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.1405% | 2,883 |
| Net charge-offs to loans | 0.7988% | 2,448 |
| Credit loss provision to net charge-offs | 115.0952% | 3,629 |
| Earnings coverage of net charge-offs (x) | 1.9683% | 4,238 |
| Efficiency ratio | 75.3673% | 3,062 |
| Assets per employee ($millions) | 6.7636% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,418 |
| Loan loss allowance to noncurrent loans | 349.5004% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,313 |
| Noncurrent loans to loans | 0.3475% | 6,501 |
| Net loans and leases to total assets | 53.6044% | 5,903 |
| Net loans and leases to deposits | 67.3748% | 5,509 |
| Net loans and leases to core deposits | 73.3554% | 5,373 |
| Total domestic deposits to total assets | 79.5615% | 5,846 |
| Equity capital to assets | 8.6102% | 6,139 |
| Core capital (leverage) ratio | 7.8436% | 6,526 |
| Tier 1 risk-based capital ratio | 11.9130% | 5,541 |
| Total risk-based capital ratio | 12.9274% | 5,727 |
| Memoranda: | ||
| Average total assets | $688,889,500 | 971 |
| Average earning assets | $643,229,500 | 948 |
| Average equity | $56,802,750 | 1,174 |
| Average total loans | $368,214,500 | 1,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 5,574 |
| Cost of funding earning assets | 1.4498% | 3,557 |
| Net interest margin | 3.4100% | 5,602 |
| Noninterest income to average assets | 0.1656% | 6,719 |
| Noninterest expense to average assets | 2.5058% | 5,700 |
| Loan and lease loss provision to assets | 0.5670% | 2,506 |
| Net operating income to assets | 0.1903% | 5,595 |
| Return on assets (ROA) | 0.3962% | 4,934 |
| Pretax return on assets | 0.5972% | 4,572 |
| Return on Equity (ROE) | 4.8769% | 4,348 |
| Retained earnings to average equity (ytd only) | 4.8769% | 2,970 |
| Net charge-offs to loans | 0.7008% | 2,467 |
| Credit loss provision to net charge-offs | 152.1434% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.2868% | 3,861 |
| Efficiency ratio | 74.6216% | 3,345 |
| Assets per employee ($millions) | 6.8310% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,928 |
| Loan loss allowance to noncurrent loans | 119.3012% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 6,040 |
| Noncurrent loans to loans | 1.0882% | 5,144 |
| Net loans and leases to total assets | 52.2561% | 6,183 |
| Net loans and leases to deposits | 64.7331% | 5,948 |
| Net loans and leases to core deposits | 70.7902% | 5,801 |
| Total domestic deposits to total assets | 80.7254% | 5,501 |
| Equity capital to assets | 8.1224% | 6,627 |
| Core capital (leverage) ratio | 7.4733% | 6,848 |
| Tier 1 risk-based capital ratio | 11.6633% | 5,614 |
| Total risk-based capital ratio | 12.7481% | 5,740 |
| Memoranda: | ||
| Average total assets | $688,556,670 | 976 |
| Average earning assets | $644,637,000 | 952 |
| Average equity | $55,936,670 | 1,178 |
| Average total loans | $366,167,000 | 1,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 5,311 |
| Cost of funding earning assets | 1.5505% | 3,262 |
| Net interest margin | 3.3794% | 5,669 |
| Noninterest income to average assets | 0.1665% | 6,774 |
| Noninterest expense to average assets | 2.4061% | 6,057 |
| Loan and lease loss provision to assets | 0.3607% | 3,210 |
| Net operating income to assets | 0.3762% | 4,944 |
| Return on assets (ROA) | 0.3985% | 4,990 |
| Pretax return on assets | 0.6009% | 4,600 |
| Return on Equity (ROE) | 4.9043% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.9043% | 3,205 |
| Net charge-offs to loans | 0.1927% | 3,763 |
| Credit loss provision to net charge-offs | 351.1494% | 1,154 |
| Earnings coverage of net charge-offs (x) | 9.0345% | 1,904 |
| Efficiency ratio | 72.1671% | 3,902 |
| Assets per employee ($millions) | 6.7882% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 5,087 |
| Loan loss allowance to noncurrent loans | 125.1952% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 6,143 |
| Noncurrent loans to loans | 1.0150% | 5,297 |
| Net loans and leases to total assets | 52.7040% | 6,195 |
| Net loans and leases to deposits | 64.5639% | 5,994 |
| Net loans and leases to core deposits | 69.9136% | 5,924 |
| Total domestic deposits to total assets | 81.6307% | 5,221 |
| Equity capital to assets | 8.1801% | 6,456 |
| Core capital (leverage) ratio | 7.6190% | 6,715 |
| Tier 1 risk-based capital ratio | 11.8452% | 5,350 |
| Total risk-based capital ratio | 12.9101% | 5,479 |
| Memoranda: | ||
| Average total assets | $677,624,500 | 1,014 |
| Average earning assets | $635,145,500 | 986 |
| Average equity | $55,053,500 | 1,213 |
| Average total loans | $361,190,000 | 1,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 5,927 |
| Cost of funding earning assets | 2.1454% | 2,254 |
| Net interest margin | 2.9935% | 6,664 |
| Noninterest income to average assets | 0.1364% | 7,071 |
| Noninterest expense to average assets | 2.5591% | 5,925 |
| Loan and lease loss provision to assets | 0.3711% | 4,560 |
| Net operating income to assets | 0.2232% | 4,824 |
| Return on assets (ROA) | 0.2898% | 4,658 |
| Pretax return on assets | 0.1124% | 5,193 |
| Return on Equity (ROE) | 3.4078% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.4078% | 2,784 |
| Net charge-offs to loans | 0.2744% | 4,908 |
| Credit loss provision to net charge-offs | 255.1640% | 1,379 |
| Earnings coverage of net charge-offs (x) | 2.8663% | 3,654 |
| Efficiency ratio | 85.9933% | 2,113 |
| Assets per employee ($millions) | 6.7640% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,458 |
| Loan loss allowance to noncurrent loans | 129.2638% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 6,230 |
| Noncurrent loans to loans | 0.9147% | 5,480 |
| Net loans and leases to total assets | 52.5912% | 6,352 |
| Net loans and leases to deposits | 64.2842% | 6,233 |
| Net loans and leases to core deposits | 72.7118% | 6,609 |
| Total domestic deposits to total assets | 81.8104% | 5,030 |
| Equity capital to assets | 8.0675% | 6,506 |
| Core capital (leverage) ratio | 7.6661% | 6,591 |
| Tier 1 risk-based capital ratio | 12.1479% | 4,819 |
| Total risk-based capital ratio | 13.1520% | 4,986 |
| Memoranda: | ||
| Average total assets | $565,949,600 | 1,225 |
| Average earning assets | $536,834,800 | 1,178 |
| Average equity | $48,125,000 | 1,401 |
| Average total loans | $299,901,000 | 1,600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 6,062 |
| Cost of funding earning assets | 2.2307% | 2,273 |
| Net interest margin | 2.9305% | 6,778 |
| Noninterest income to average assets | 0.1158% | 7,316 |
| Noninterest expense to average assets | 2.5684% | 5,830 |
| Loan and lease loss provision to assets | 0.3570% | 4,184 |
| Net operating income to assets | 0.3027% | 4,781 |
| Return on assets (ROA) | 0.3365% | 4,749 |
| Pretax return on assets | 0.0126% | 5,678 |
| Return on Equity (ROE) | 3.8955% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.8955% | 3,118 |
| Net charge-offs to loans | 0.2879% | 4,235 |
| Credit loss provision to net charge-offs | 234.3598% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.2042% | 4,166 |
| Efficiency ratio | 88.4383% | 1,820 |
| Assets per employee ($millions) | 6.5396% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,476 |
| Loan loss allowance to noncurrent loans | 130.7185% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 6,243 |
| Noncurrent loans to loans | 0.8726% | 5,545 |
| Net loans and leases to total assets | 51.9891% | 6,596 |
| Net loans and leases to deposits | 64.9577% | 6,407 |
| Net loans and leases to core deposits | 75.9280% | 6,619 |
| Total domestic deposits to total assets | 80.0352% | 5,422 |
| Equity capital to assets | 8.6363% | 6,060 |
| Core capital (leverage) ratio | 8.1135% | 6,168 |
| Tier 1 risk-based capital ratio | 12.9118% | 4,258 |
| Total risk-based capital ratio | 13.8744% | 4,407 |
| Memoranda: | ||
| Average total assets | $540,027,750 | 1,286 |
| Average earning assets | $513,842,500 | 1,241 |
| Average equity | $46,650,500 | 1,465 |
| Average total loans | $285,780,250 | 1,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 6,298 |
| Cost of funding earning assets | 2.2578% | 2,538 |
| Net interest margin | 2.8771% | 6,852 |
| Noninterest income to average assets | 0.1073% | 7,442 |
| Noninterest expense to average assets | 2.6243% | 5,638 |
| Loan and lease loss provision to assets | 0.2819% | 4,319 |
| Net operating income to assets | 0.4772% | 4,186 |
| Return on assets (ROA) | 0.4331% | 4,479 |
| Pretax return on assets | -0.1394% | 6,051 |
| Return on Equity (ROE) | 5.0127% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.0127% | 2,496 |
| Net charge-offs to loans | 0.0539% | 5,737 |
| Credit loss provision to net charge-offs | 986.3014% | 500 |
| Earnings coverage of net charge-offs (x) | 7.3973% | 2,447 |
| Efficiency ratio | 92.5435% | 1,602 |
| Assets per employee ($millions) | 6.7465% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 4,675 |
| Loan loss allowance to noncurrent loans | 134.2825% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 6,236 |
| Noncurrent loans to loans | 0.9228% | 5,371 |
| Net loans and leases to total assets | 48.1158% | 7,022 |
| Net loans and leases to deposits | 60.3166% | 6,862 |
| Net loans and leases to core deposits | 69.8287% | 7,025 |
| Total domestic deposits to total assets | 79.7720% | 5,545 |
| Equity capital to assets | 8.1369% | 6,586 |
| Core capital (leverage) ratio | 8.0246% | 6,280 |
| Tier 1 risk-based capital ratio | 12.9965% | 4,150 |
| Total risk-based capital ratio | 13.9757% | 4,254 |
| Memoranda: | ||
| Average total assets | $510,770,000 | 1,383 |
| Average earning assets | $484,375,670 | 1,333 |
| Average equity | $44,127,670 | 1,546 |
| Average total loans | $270,989,000 | 1,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 6,541 |
| Cost of funding earning assets | 2.1896% | 3,217 |
| Net interest margin | 2.9462% | 6,624 |
| Noninterest income to average assets | 0.0724% | 7,696 |
| Noninterest expense to average assets | 2.5254% | 5,745 |
| Loan and lease loss provision to assets | 0.1875% | 4,563 |
| Net operating income to assets | 1.1958% | 1,666 |
| Return on assets (ROA) | 1.3279% | 1,420 |
| Pretax return on assets | 0.2727% | 5,754 |
| Return on Equity (ROE) | 14.8249% | 1,009 |
| Retained earnings to average equity (ytd only) | 14.8249% | 434 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5006% | 1,846 |
| Assets per employee ($millions) | 6.2096% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,984 |
| Loan loss allowance to noncurrent loans | 760.7229% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 7,352 |
| Noncurrent loans to loans | 0.1539% | 7,082 |
| Net loans and leases to total assets | 51.6990% | 6,716 |
| Net loans and leases to deposits | 67.2597% | 6,248 |
| Net loans and leases to core deposits | 76.1717% | 6,665 |
| Total domestic deposits to total assets | 76.8647% | 6,313 |
| Equity capital to assets | 8.1702% | 6,567 |
| Core capital (leverage) ratio | 8.2521% | 5,997 |
| Tier 1 risk-based capital ratio | 12.7258% | 4,369 |
| Total risk-based capital ratio | 13.6682% | 4,523 |
| Memoranda: | ||
| Average total assets | $469,308,500 | 1,527 |
| Average earning assets | $443,010,500 | 1,460 |
| Average equity | $42,037,500 | 1,619 |
| Average total loans | $261,861,500 | 1,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 6,620 |
| Cost of funding earning assets | 2.4310% | 4,567 |
| Net interest margin | 3.3133% | 5,990 |
| Noninterest income to average assets | 0.1091% | 7,587 |
| Noninterest expense to average assets | 2.9854% | 4,134 |
| Loan and lease loss provision to assets | 0.4219% | 3,170 |
| Net operating income to assets | -0.1578% | 6,568 |
| Return on assets (ROA) | -0.2573% | 6,534 |
| Pretax return on assets | -0.2570% | 6,420 |
| Return on Equity (ROE) | -2.1944% | 6,535 |
| Retained earnings to average equity (ytd only) | -2.1944% | 5,924 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8642% | 1,389 |
| Assets per employee ($millions) | 5.7976% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.3483% | 6,007 |
| Net loans and leases to deposits | 82.5633% | 4,641 |
| Net loans and leases to core deposits | 103.4200% | 4,451 |
| Total domestic deposits to total assets | 71.8821% | 7,025 |
| Equity capital to assets | 9.9158% | 4,138 |
| Core capital (leverage) ratio | 9.8947% | 3,552 |
| Tier 1 risk-based capital ratio | 14.1180% | 3,490 |
| Total risk-based capital ratio | 15.1085% | 3,535 |
| Memoranda: | ||
| Average total assets | $324,515,600 | 2,062 |
| Average earning assets | $307,604,200 | 1,983 |
| Average equity | $38,051,600 | 1,774 |
| Average total loans | $200,560,600 | 2,291 |