Home > 1st Commonwealth Bank of Virginia > Performance and Condition Ratios
1st Commonwealth Bank of Virginia, Performance and Condition Ratios
| 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 | 4.3886% | 4,098 |
| Cost of funding earning assets | 1.2889% | 459 |
| Net interest margin | 3.0996% | 5,936 |
| Noninterest income to average assets | 3.2777% | 224 |
| Noninterest expense to average assets | 9.3095% | 88 |
| Loan and lease loss provision to assets | 0.1161% | 4,113 |
| Net operating income to assets | -3.3038% | 7,121 |
| Return on assets (ROA) | -3.3038% | 7,121 |
| Pretax return on assets | -3.3038% | 7,119 |
| Return on Equity (ROE) | -53.8379% | 7,130 |
| Retained earnings to average equity (ytd only) | -53.8379% | 7,125 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0712% | 83 |
| Assets per employee ($millions) | 2.3766% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.9041% | 513 |
| Net loans and leases to deposits | 87.2189% | 1,453 |
| Net loans and leases to core deposits | 93.2491% | 1,658 |
| Total domestic deposits to total assets | 91.6132% | 266 |
| Equity capital to assets | 4.3693% | 7,086 |
| Core capital (leverage) ratio | 4.3693% | 7,065 |
| Tier 1 risk-based capital ratio | 8.2686% | 6,978 |
| Total risk-based capital ratio | 9.5203% | 6,980 |
| Memoranda: | ||
| Average total assets | $56,256,750 | 6,085 |
| Average earning assets | $51,617,750 | 6,062 |
| Average equity | $3,452,250 | 6,781 |
| Average total loans | $48,418,750 | 5,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 4,803 |
| Cost of funding earning assets | 1.3122% | 497 |
| Net interest margin | 2.9288% | 6,381 |
| Noninterest income to average assets | 4.0033% | 182 |
| Noninterest expense to average assets | 8.7892% | 98 |
| Loan and lease loss provision to assets | 0.0688% | 4,767 |
| Net operating income to assets | -2.1701% | 7,089 |
| Return on assets (ROA) | -2.1701% | 7,099 |
| Pretax return on assets | -2.1701% | 7,087 |
| Return on Equity (ROE) | -32.0521% | 7,116 |
| Retained earnings to average equity (ytd only) | -32.0521% | 7,107 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.4193% | 156 |
| Assets per employee ($millions) | 1.5388% | 7,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 6,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 84.0698% | 210 |
| Net loans and leases to deposits | 93.3515% | 825 |
| Net loans and leases to core deposits | 100.2198% | 1,087 |
| Total domestic deposits to total assets | 90.0573% | 891 |
| Equity capital to assets | 5.9576% | 7,030 |
| Core capital (leverage) ratio | 5.9576% | 6,994 |
| Tier 1 risk-based capital ratio | 10.4853% | 6,700 |
| Total risk-based capital ratio | 11.6692% | 6,712 |
| Memoranda: | ||
| Average total assets | $55,204,000 | 6,157 |
| Average earning assets | $50,601,000 | 6,133 |
| Average equity | $3,737,670 | 6,744 |
| Average total loans | $48,595,670 | 5,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 4,321 |
| Cost of funding earning assets | 1.3289% | 559 |
| Net interest margin | 3.0741% | 6,121 |
| Noninterest income to average assets | 4.4021% | 150 |
| Noninterest expense to average assets | 8.5980% | 101 |
| Loan and lease loss provision to assets | 0.0957% | 4,156 |
| Net operating income to assets | -1.4649% | 7,084 |
| Return on assets (ROA) | -1.4649% | 7,092 |
| Pretax return on assets | -1.4649% | 7,073 |
| Return on Equity (ROE) | -20.3555% | 7,112 |
| Retained earnings to average equity (ytd only) | -20.3555% | 7,046 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9409% | 227 |
| Assets per employee ($millions) | 1.5501% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 6,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 86.6722% | 103 |
| Net loans and leases to deposits | 96.7384% | 494 |
| Net loans and leases to core deposits | 103.8286% | 775 |
| Total domestic deposits to total assets | 89.5944% | 1,309 |
| Equity capital to assets | 6.6081% | 6,993 |
| Core capital (leverage) ratio | 6.6081% | 6,952 |
| Tier 1 risk-based capital ratio | 11.2690% | 6,408 |
| Total risk-based capital ratio | 12.3900% | 6,462 |
| Memoranda: | ||
| Average total assets | $54,338,000 | 6,220 |
| Average earning assets | $49,966,000 | 6,195 |
| Average equity | $3,910,500 | 6,746 |
| Average total loans | $48,769,000 | 5,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 6,233 |
| Cost of funding earning assets | 1.3344% | 1,322 |
| Net interest margin | 2.7891% | 6,832 |
| Noninterest income to average assets | 2.3791% | 290 |
| Noninterest expense to average assets | 7.9558% | 105 |
| Loan and lease loss provision to assets | 0.1963% | 4,222 |
| Net operating income to assets | -3.2703% | 7,209 |
| Return on assets (ROA) | -3.2703% | 7,214 |
| Pretax return on assets | -3.2703% | 7,216 |
| Return on Equity (ROE) | -33.9626% | 7,120 |
| Retained earnings to average equity (ytd only) | -33.9626% | 7,114 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.9674% | 108 |
| Assets per employee ($millions) | 1.5095% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 6,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 91.7482% | 25 |
| Net loans and leases to deposits | 109.2455% | 183 |
| Net loans and leases to core deposits | 113.1790% | 533 |
| Total domestic deposits to total assets | 83.9835% | 4,321 |
| Equity capital to assets | 7.8543% | 6,658 |
| Core capital (leverage) ratio | 7.8543% | 6,396 |
| Tier 1 risk-based capital ratio | 12.7717% | 5,262 |
| Total risk-based capital ratio | 13.9250% | 5,306 |
| Memoranda: | ||
| Average total assets | $50,944,000 | 6,337 |
| Average earning assets | $45,714,400 | 6,340 |
| Average equity | $4,905,400 | 6,475 |
| Average total loans | $39,195,800 | 5,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 6,622 |
| Cost of funding earning assets | 1.3524% | 1,445 |
| Net interest margin | 2.6254% | 7,054 |
| Noninterest income to average assets | 1.8722% | 421 |
| Noninterest expense to average assets | 7.6590% | 114 |
| Loan and lease loss provision to assets | 0.2439% | 3,565 |
| Net operating income to assets | -3.6892% | 7,315 |
| Return on assets (ROA) | -3.6892% | 7,319 |
| Pretax return on assets | -3.6892% | 7,315 |
| Return on Equity (ROE) | -36.6110% | 7,237 |
| Retained earnings to average equity (ytd only) | -36.6110% | 7,230 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.7673% | 70 |
| Assets per employee ($millions) | 1.7153% | 7,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 6,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 87.1701% | 101 |
| Net loans and leases to deposits | 104.2799% | 309 |
| Net loans and leases to core deposits | 107.2033% | 804 |
| Total domestic deposits to total assets | 83.5924% | 4,436 |
| Equity capital to assets | 8.3077% | 6,475 |
| Core capital (leverage) ratio | 8.3077% | 5,965 |
| Tier 1 risk-based capital ratio | 14.2738% | 4,144 |
| Total risk-based capital ratio | 15.4658% | 4,156 |
| Memoranda: | ||
| Average total assets | $50,849,500 | 6,396 |
| Average earning assets | $45,350,500 | 6,407 |
| Average equity | $5,124,000 | 6,459 |
| Average total loans | $37,132,000 | 5,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 7,045 |
| Cost of funding earning assets | 1.3658% | 1,570 |
| Net interest margin | 2.2985% | 7,280 |
| Noninterest income to average assets | 1.1610% | 947 |
| Noninterest expense to average assets | 7.3016% | 129 |
| Loan and lease loss provision to assets | 0.2922% | 3,059 |
| Net operating income to assets | -4.3794% | 7,413 |
| Return on assets (ROA) | -4.3794% | 7,414 |
| Pretax return on assets | -4.3794% | 7,407 |
| Return on Equity (ROE) | -41.0209% | 7,312 |
| Retained earnings to average equity (ytd only) | -41.0209% | 7,307 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 227.1499% | 42 |
| Assets per employee ($millions) | 1.9687% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 86.3769% | 127 |
| Net loans and leases to deposits | 95.6057% | 758 |
| Net loans and leases to core deposits | 98.1779% | 1,492 |
| Total domestic deposits to total assets | 90.3470% | 789 |
| Equity capital to assets | 9.2913% | 5,148 |
| Core capital (leverage) ratio | 9.2913% | 4,262 |
| Tier 1 risk-based capital ratio | 15.1902% | 3,402 |
| Total risk-based capital ratio | 16.3162% | 3,428 |
| Memoranda: | ||
| Average total assets | $50,646,670 | 6,462 |
| Average earning assets | $45,247,000 | 6,463 |
| Average equity | $5,407,000 | 6,399 |
| Average total loans | $34,438,330 | 6,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 7,235 |
| Cost of funding earning assets | 1.4303% | 1,468 |
| Net interest margin | 2.0166% | 7,407 |
| Noninterest income to average assets | 0.8800% | 1,729 |
| Noninterest expense to average assets | 7.4531% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -4.8052% | 7,484 |
| Return on assets (ROA) | -4.8052% | 7,484 |
| Pretax return on assets | -4.8052% | 7,475 |
| Return on Equity (ROE) | -42.3764% | 7,383 |
| Retained earnings to average equity (ytd only) | -42.3764% | 7,365 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 281.4706% | 30 |
| Assets per employee ($millions) | 2.2166% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.7278% | 4,508 |
| Net loans and leases to deposits | 66.0461% | 4,971 |
| Net loans and leases to core deposits | 67.7882% | 5,318 |
| Total domestic deposits to total assets | 88.9194% | 1,818 |
| Equity capital to assets | 10.8491% | 2,828 |
| Core capital (leverage) ratio | 10.8491% | 2,309 |
| Tier 1 risk-based capital ratio | 20.8238% | 1,427 |
| Total risk-based capital ratio | 21.8177% | 1,444 |
| Memoranda: | ||
| Average total assets | $51,361,000 | 6,480 |
| Average earning assets | $45,026,000 | 6,524 |
| Average equity | $5,824,000 | 6,302 |
| Average total loans | $30,231,500 | 6,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 7,390 |
| Cost of funding earning assets | 2.0759% | 461 |
| Net interest margin | 1.4177% | 7,554 |
| Noninterest income to average assets | 4.9619% | 136 |
| Noninterest expense to average assets | 9.2922% | 91 |
| Loan and lease loss provision to assets | 0.2078% | 5,170 |
| Net operating income to assets | -3.3063% | 7,349 |
| Return on assets (ROA) | -3.3063% | 7,360 |
| Pretax return on assets | -3.3063% | 7,338 |
| Return on Equity (ROE) | -27.6411% | 7,184 |
| Retained earnings to average equity (ytd only) | -27.6411% | 7,172 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.0268% | 213 |
| Assets per employee ($millions) | 2.2496% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 6,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 57.9908% | 5,025 |
| Net loans and leases to deposits | 65.9074% | 5,414 |
| Net loans and leases to core deposits | 67.6382% | 5,692 |
| Total domestic deposits to total assets | 87.9882% | 2,255 |
| Equity capital to assets | 11.8223% | 2,022 |
| Core capital (leverage) ratio | 11.8223% | 1,656 |
| Tier 1 risk-based capital ratio | 22.5022% | 1,107 |
| Total risk-based capital ratio | 23.4366% | 1,122 |
| Memoranda: | ||
| Average total assets | $60,158,200 | 6,193 |
| Average earning assets | $52,267,400 | 6,279 |
| Average equity | $7,195,800 | 5,966 |
| Average total loans | $33,804,400 | 6,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 7,520 |
| Cost of funding earning assets | 2.2433% | 331 |
| Net interest margin | 1.2896% | 7,686 |
| Noninterest income to average assets | 6.0666% | 115 |
| Noninterest expense to average assets | 10.0240% | 79 |
| Loan and lease loss provision to assets | 0.2398% | 4,683 |
| Net operating income to assets | -3.0708% | 7,464 |
| Return on assets (ROA) | -3.0708% | 7,474 |
| Pretax return on assets | -3.0708% | 7,437 |
| Return on Equity (ROE) | -25.6105% | 7,323 |
| Retained earnings to average equity (ytd only) | -25.6105% | 7,314 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.3570% | 250 |
| Assets per employee ($millions) | 2.4126% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 6,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.7334% | 6,793 |
| Net loans and leases to deposits | 50.7435% | 6,965 |
| Net loans and leases to core deposits | 53.6762% | 6,973 |
| Total domestic deposits to total assets | 88.1561% | 1,869 |
| Equity capital to assets | 11.5227% | 2,516 |
| Core capital (leverage) ratio | 11.5227% | 1,926 |
| Tier 1 risk-based capital ratio | 24.3193% | 912 |
| Total risk-based capital ratio | 25.1977% | 927 |
| Memoranda: | ||
| Average total assets | $62,262,500 | 6,185 |
| Average earning assets | $54,382,000 | 6,265 |
| Average equity | $7,465,500 | 5,961 |
| Average total loans | $34,690,750 | 6,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 7,649 |
| Cost of funding earning assets | 2.1580% | 536 |
| Net interest margin | 1.1839% | 7,770 |
| Noninterest income to average assets | 8.2083% | 82 |
| Noninterest expense to average assets | 11.1746% | 65 |
| Loan and lease loss provision to assets | 0.2731% | 4,204 |
| Net operating income to assets | -2.1408% | 7,341 |
| Return on assets (ROA) | -2.1408% | 7,350 |
| Pretax return on assets | -2.1408% | 7,276 |
| Return on Equity (ROE) | -17.6455% | 7,219 |
| Retained earnings to average equity (ytd only) | -17.6455% | 7,187 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0675% | 416 |
| Assets per employee ($millions) | 1.4397% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 7,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.4549% | 2,546 |
| Net loans and leases to deposits | 81.7077% | 3,315 |
| Net loans and leases to core deposits | 88.0636% | 3,536 |
| Total domestic deposits to total assets | 87.4519% | 2,290 |
| Equity capital to assets | 11.2103% | 2,683 |
| Core capital (leverage) ratio | 11.2103% | 2,095 |
| Tier 1 risk-based capital ratio | 20.6475% | 1,399 |
| Total risk-based capital ratio | 21.2482% | 1,483 |
| Memoranda: | ||
| Average total assets | $63,715,670 | 6,186 |
| Average earning assets | $59,129,000 | 6,136 |
| Average equity | $7,730,000 | 5,891 |
| Average total loans | $37,540,000 | 6,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5408% | 7,849 |
| Cost of funding earning assets | 2.2471% | 503 |
| Net interest margin | 0.2937% | 7,907 |
| Noninterest income to average assets | 6.8395% | 100 |
| Noninterest expense to average assets | 9.5612% | 82 |
| Loan and lease loss provision to assets | 0.4099% | 2,910 |
| Net operating income to assets | -2.8562% | 7,620 |
| Return on assets (ROA) | -2.8562% | 7,621 |
| Pretax return on assets | -2.8562% | 7,580 |
| Return on Equity (ROE) | -22.6310% | 7,478 |
| Retained earnings to average equity (ytd only) | -22.6310% | 7,431 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.3834% | 295 |
| Assets per employee ($millions) | 1.2242% | 7,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4525% | 7,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.6913% | 3,700 |
| Net loans and leases to deposits | 76.6405% | 4,293 |
| Net loans and leases to core deposits | 82.7889% | 4,383 |
| Total domestic deposits to total assets | 87.0183% | 2,624 |
| Equity capital to assets | 12.0329% | 2,027 |
| Core capital (leverage) ratio | 12.0329% | 1,639 |
| Tier 1 risk-based capital ratio | 24.2374% | 944 |
| Total risk-based capital ratio | 24.8481% | 977 |
| Memoranda: | ||
| Average total assets | $62,461,000 | 6,289 |
| Average earning assets | $58,564,000 | 6,223 |
| Average equity | $7,883,000 | 5,886 |
| Average total loans | $32,541,500 | 6,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7677% | 7,939 |
| Cost of funding earning assets | 1.7239% | 4,388 |
| Net interest margin | 0.0438% | 8,003 |
| Noninterest income to average assets | 2.0315% | 365 |
| Noninterest expense to average assets | 7.9905% | 149 |
| Loan and lease loss provision to assets | 0.3430% | 4,737 |
| Net operating income to assets | -6.2647% | 7,850 |
| Return on assets (ROA) | -6.2647% | 7,842 |
| Pretax return on assets | -6.2647% | 7,826 |
| Return on Equity (ROE) | -25.6680% | 7,305 |
| Retained earnings to average equity (ytd only) | -25.6680% | 7,282 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 386.2468% | 46 |
| Assets per employee ($millions) | 1.4586% | 7,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 7,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 36.4102% | 7,504 |
| Net loans and leases to deposits | 42.3200% | 7,563 |
| Net loans and leases to core deposits | 93.7109% | 4,704 |
| Total domestic deposits to total assets | 86.0356% | 3,003 |
| Equity capital to assets | 13.2315% | 1,421 |
| Core capital (leverage) ratio | 13.2315% | 1,178 |
| Tier 1 risk-based capital ratio | 33.5903% | 392 |
| Total risk-based capital ratio | 34.1248% | 404 |
| Memoranda: | ||
| Average total assets | $37,607,250 | 7,184 |
| Average earning assets | $31,962,500 | 7,265 |
| Average equity | $9,178,750 | 5,553 |
| Average total loans | $8,206,750 | 7,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5275% | 8,046 |
| Cost of funding earning assets | 1.2950% | 6,572 |
| Net interest margin | 0.2324% | 8,076 |
| Noninterest income to average assets | 0.8074% | 2,389 |
| Noninterest expense to average assets | 8.2182% | 148 |
| Loan and lease loss provision to assets | 0.2198% | 5,216 |
| Net operating income to assets | -7.4421% | 7,994 |
| Return on assets (ROA) | -7.4421% | 7,993 |
| Pretax return on assets | -7.4421% | 7,980 |
| Return on Equity (ROE) | -23.1949% | 7,468 |
| Retained earnings to average equity (ytd only) | -23.1949% | 7,440 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 825.2252% | 13 |
| Assets per employee ($millions) | 2.1561% | 7,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 7,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.1043% | 7,959 |
| Net loans and leases to deposits | 23.3828% | 7,973 |
| Net loans and leases to core deposits | 58.1120% | 7,460 |
| Total domestic deposits to total assets | 81.7023% | 4,806 |
| Equity capital to assets | 17.7512% | 536 |
| Core capital (leverage) ratio | 17.7512% | 470 |
| Tier 1 risk-based capital ratio | 60.2409% | 117 |
| Total risk-based capital ratio | 60.5762% | 119 |
| Memoranda: | ||
| Average total assets | $29,722,000 | 7,544 |
| Average earning assets | $24,091,330 | 7,650 |
| Average equity | $9,536,330 | 5,482 |
| Average total loans | $3,464,000 | 8,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1855% | 8,152 |
| Cost of funding earning assets | 0.7137% | 7,909 |
| Net interest margin | 0.4718% | 8,142 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 9.2786% | 125 |
| Loan and lease loss provision to assets | 0.0910% | 6,259 |
| Net operating income to assets | -8.9754% | 8,097 |
| Return on assets (ROA) | -8.9754% | 8,091 |
| Pretax return on assets | -8.9754% | 8,077 |
| Return on Equity (ROE) | -17.9340% | 7,451 |
| Retained earnings to average equity (ytd only) | -17.9340% | 7,389 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,353.8462% | 11 |
| Assets per employee ($millions) | 1.6773% | 8,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 3.4181% | 8,128 |
| Net loans and leases to deposits | 5.5530% | 8,133 |
| Net loans and leases to core deposits | 10.2772% | 8,116 |
| Total domestic deposits to total assets | 61.5541% | 7,905 |
| Equity capital to assets | 38.0405% | 93 |
| Core capital (leverage) ratio | 38.0405% | 99 |
| Tier 1 risk-based capital ratio | 147.7234% | 48 |
| Total risk-based capital ratio | 147.8623% | 48 |
| Memoranda: | ||
| Average total assets | $19,787,500 | 7,935 |
| Average earning assets | $16,532,500 | 7,962 |
| Average equity | $9,903,000 | 5,387 |
| Average total loans | $434,500 | 8,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5117% | 8,227 |
| Cost of funding earning assets | 0.0640% | 8,210 |
| Net interest margin | 0.4477% | 8,203 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 6.7985% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -6.4100% | 8,108 |
| Return on assets (ROA) | -6.4100% | 8,099 |
| Pretax return on assets | -6.4100% | 8,068 |
| Return on Equity (ROE) | -9.0278% | 7,300 |
| Retained earnings to average equity (ytd only) | -9.0278% | 7,017 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,750.0000% | 10 |
| Assets per employee ($millions) | 1.1088% | 8,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 28.2345% | 8,177 |
| Equity capital to assets | 71.0024% | 40 |
| Core capital (leverage) ratio | 71.0024% | 40 |
| Tier 1 risk-based capital ratio | 327.6248% | 20 |
| Total risk-based capital ratio | 327.6248% | 20 |
| Memoranda: | ||
| Average total assets | $14,415,000 | 8,132 |
| Average earning assets | $12,508,000 | 8,129 |
| Average equity | $10,235,000 | 5,315 |
| Average total loans | NA | NA |