Home > Alarion Bank > Performance and Condition Ratios
Alarion Bank, Performance and Condition Ratios
| 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 | 4.2553% | 2,756 |
| Cost of funding earning assets | 0.8201% | 643 |
| Net interest margin | 3.4351% | 4,038 |
| Noninterest income to average assets | 1.6372% | 476 |
| Noninterest expense to average assets | 3.8527% | 904 |
| Loan and lease loss provision to assets | 0.0355% | 3,576 |
| Net operating income to assets | 0.5533% | 4,583 |
| Return on assets (ROA) | 0.5533% | 4,685 |
| Pretax return on assets | 0.8431% | 4,110 |
| Return on Equity (ROE) | 6.4465% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.4465% | 2,065 |
| Net charge-offs to loans | 0.0831% | 2,859 |
| Credit loss provision to net charge-offs | 56.8182% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.0568% | 1,936 |
| Efficiency ratio | 81.4292% | 1,815 |
| Assets per employee ($millions) | 3.1077% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 1,702 |
| Loan loss allowance to noncurrent loans | 775.2896% | 641 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 2,758 |
| Noncurrent loans to loans | 0.2387% | 5,276 |
| Net loans and leases to total assets | 75.3281% | 1,260 |
| Net loans and leases to deposits | 89.8115% | 1,387 |
| Net loans and leases to core deposits | 94.1761% | 1,754 |
| Total domestic deposits to total assets | 83.8736% | 3,969 |
| Equity capital to assets | 8.7700% | 5,548 |
| Core capital (leverage) ratio | 8.0316% | 6,077 |
| Tier 1 risk-based capital ratio | 10.8034% | 6,129 |
| Total risk-based capital ratio | 12.0619% | 6,071 |
| Memoranda: | ||
| Average total assets | $281,571,670 | 2,277 |
| Average earning assets | $253,615,000 | 2,324 |
| Average equity | $24,168,000 | 2,738 |
| Average total loans | $211,671,670 | 1,969 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 2,683 |
| Cost of funding earning assets | 0.8191% | 674 |
| Net interest margin | 3.4334% | 3,968 |
| Noninterest income to average assets | 1.6814% | 442 |
| Noninterest expense to average assets | 3.7444% | 1,063 |
| Loan and lease loss provision to assets | 0.0356% | 3,347 |
| Net operating income to assets | 0.6392% | 3,997 |
| Return on assets (ROA) | 0.6392% | 4,090 |
| Pretax return on assets | 0.9809% | 3,402 |
| Return on Equity (ROE) | 7.5301% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.5301% | 1,804 |
| Net charge-offs to loans | -0.0325% | 5,607 |
| Credit loss provision to net charge-offs | -147.0588% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6483% | 2,380 |
| Assets per employee ($millions) | 3.0092% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 1,576 |
| Loan loss allowance to noncurrent loans | 801.5656% | 633 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 2,912 |
| Noncurrent loans to loans | 0.2458% | 5,369 |
| Net loans and leases to total assets | 72.0511% | 1,570 |
| Net loans and leases to deposits | 84.3174% | 1,791 |
| Net loans and leases to core deposits | 88.3233% | 2,058 |
| Total domestic deposits to total assets | 85.4523% | 3,648 |
| Equity capital to assets | 8.5639% | 5,587 |
| Core capital (leverage) ratio | 7.8380% | 6,208 |
| Tier 1 risk-based capital ratio | 10.6763% | 6,283 |
| Total risk-based capital ratio | 11.9355% | 6,243 |
| Memoranda: | ||
| Average total assets | $280,955,500 | 2,294 |
| Average earning assets | $251,992,000 | 2,339 |
| Average equity | $23,851,000 | 2,771 |
| Average total loans | $208,984,000 | 1,980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,418 |
| Cost of funding earning assets | 0.8717% | 855 |
| Net interest margin | 3.3076% | 4,637 |
| Noninterest income to average assets | 1.7988% | 462 |
| Noninterest expense to average assets | 4.0587% | 817 |
| Loan and lease loss provision to assets | 0.3669% | 852 |
| Net operating income to assets | 0.2329% | 5,741 |
| Return on assets (ROA) | 0.2548% | 5,748 |
| Pretax return on assets | 0.3697% | 5,560 |
| Return on Equity (ROE) | 3.0320% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.0320% | 4,074 |
| Net charge-offs to loans | 0.7356% | 873 |
| Credit loss provision to net charge-offs | 69.4444% | 3,320 |
| Earnings coverage of net charge-offs (x) | 1.3340% | 4,617 |
| Efficiency ratio | 85.2055% | 1,500 |
| Assets per employee ($millions) | 2.8474% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,713 |
| Loan loss allowance to noncurrent loans | 825.6619% | 609 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 2,958 |
| Noncurrent loans to loans | 0.2337% | 5,482 |
| Net loans and leases to total assets | 73.8267% | 1,375 |
| Net loans and leases to deposits | 89.4464% | 1,289 |
| Net loans and leases to core deposits | 93.5674% | 1,631 |
| Total domestic deposits to total assets | 82.5374% | 4,702 |
| Equity capital to assets | 8.4136% | 5,677 |
| Core capital (leverage) ratio | 7.7904% | 6,249 |
| Tier 1 risk-based capital ratio | 10.2368% | 6,450 |
| Total risk-based capital ratio | 11.4955% | 6,404 |
| Memoranda: | ||
| Average total assets | $279,401,600 | 2,275 |
| Average earning assets | $250,424,200 | 2,320 |
| Average equity | $23,483,000 | 2,774 |
| Average total loans | $200,641,000 | 1,995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,519 |
| Cost of funding earning assets | 0.8898% | 858 |
| Net interest margin | 3.2735% | 4,737 |
| Noninterest income to average assets | 2.0379% | 407 |
| Noninterest expense to average assets | 4.1804% | 699 |
| Loan and lease loss provision to assets | 0.4890% | 567 |
| Net operating income to assets | 0.2102% | 5,885 |
| Return on assets (ROA) | 0.2395% | 5,894 |
| Pretax return on assets | 0.3473% | 5,752 |
| Return on Equity (ROE) | 2.8501% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.8501% | 4,616 |
| Net charge-offs to loans | 0.6738% | 891 |
| Credit loss provision to net charge-offs | 102.2954% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.6607% | 4,288 |
| Efficiency ratio | 84.0414% | 1,593 |
| Assets per employee ($millions) | 2.8543% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3354% | 1,128 |
| Loan loss allowance to noncurrent loans | 425.9643% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 2,556 |
| Noncurrent loans to loans | 0.5483% | 4,827 |
| Net loans and leases to total assets | 69.1056% | 2,118 |
| Net loans and leases to deposits | 81.3459% | 2,223 |
| Net loans and leases to core deposits | 85.0373% | 2,538 |
| Total domestic deposits to total assets | 84.9528% | 3,774 |
| Equity capital to assets | 8.5144% | 5,721 |
| Core capital (leverage) ratio | 7.3567% | 6,493 |
| Tier 1 risk-based capital ratio | 10.5804% | 6,427 |
| Total risk-based capital ratio | 11.8438% | 6,396 |
| Memoranda: | ||
| Average total assets | $279,490,000 | 2,281 |
| Average earning assets | $250,693,000 | 2,334 |
| Average equity | $23,484,250 | 2,804 |
| Average total loans | $198,284,750 | 2,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 3,457 |
| Cost of funding earning assets | 0.9080% | 862 |
| Net interest margin | 3.2678% | 4,698 |
| Noninterest income to average assets | 2.1862% | 396 |
| Noninterest expense to average assets | 4.1484% | 738 |
| Loan and lease loss provision to assets | 0.7287% | 305 |
| Net operating income to assets | 0.1688% | 5,980 |
| Return on assets (ROA) | 0.2026% | 6,013 |
| Pretax return on assets | 0.2929% | 5,895 |
| Return on Equity (ROE) | 2.4219% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.4219% | 4,758 |
| Net charge-offs to loans | 0.9702% | 634 |
| Credit loss provision to net charge-offs | 105.7792% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,065 |
| Efficiency ratio | 81.0079% | 2,026 |
| Assets per employee ($millions) | 3.0136% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3330% | 1,206 |
| Loan loss allowance to noncurrent loans | 504.5354% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 2,630 |
| Noncurrent loans to loans | 0.4624% | 5,108 |
| Net loans and leases to total assets | 66.6943% | 2,467 |
| Net loans and leases to deposits | 77.6499% | 2,613 |
| Net loans and leases to core deposits | 81.4154% | 2,866 |
| Total domestic deposits to total assets | 85.8910% | 3,427 |
| Equity capital to assets | 8.0379% | 6,174 |
| Core capital (leverage) ratio | 7.2177% | 6,558 |
| Tier 1 risk-based capital ratio | 10.1772% | 6,596 |
| Total risk-based capital ratio | 11.4400% | 6,566 |
| Memoranda: | ||
| Average total assets | $281,314,330 | 2,288 |
| Average earning assets | $252,647,670 | 2,326 |
| Average equity | $23,535,330 | 2,816 |
| Average total loans | $199,750,000 | 2,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,763 |
| Cost of funding earning assets | 0.9187% | 898 |
| Net interest margin | 3.4116% | 4,077 |
| Noninterest income to average assets | 2.3212% | 352 |
| Noninterest expense to average assets | 4.0972% | 797 |
| Loan and lease loss provision to assets | 0.9325% | 206 |
| Net operating income to assets | 0.2439% | 5,746 |
| Return on assets (ROA) | 0.2439% | 5,867 |
| Pretax return on assets | 0.3601% | 5,681 |
| Return on Equity (ROE) | 2.8575% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.8575% | 4,564 |
| Net charge-offs to loans | 1.4861% | 370 |
| Credit loss provision to net charge-offs | 86.6667% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.2013% | 3,424 |
| Efficiency ratio | 76.0181% | 2,924 |
| Assets per employee ($millions) | 2.9481% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 1,543 |
| Loan loss allowance to noncurrent loans | 242.4326% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.8310% | 2,570 |
| Noncurrent loans to loans | 0.9166% | 4,303 |
| Net loans and leases to total assets | 69.2066% | 1,801 |
| Net loans and leases to deposits | 80.9527% | 1,959 |
| Net loans and leases to core deposits | 84.8601% | 2,228 |
| Total domestic deposits to total assets | 85.4902% | 3,802 |
| Equity capital to assets | 8.4935% | 6,024 |
| Core capital (leverage) ratio | 7.2573% | 6,560 |
| Tier 1 risk-based capital ratio | 10.1320% | 6,666 |
| Total risk-based capital ratio | 11.3943% | 6,653 |
| Memoranda: | ||
| Average total assets | $278,825,000 | 2,320 |
| Average earning assets | $250,789,000 | 2,366 |
| Average equity | $23,797,000 | 2,824 |
| Average total loans | $201,874,000 | 2,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 3,151 |
| Cost of funding earning assets | 1.0424% | 1,155 |
| Net interest margin | 3.5220% | 4,406 |
| Noninterest income to average assets | 1.3023% | 907 |
| Noninterest expense to average assets | 3.6132% | 1,579 |
| Loan and lease loss provision to assets | 0.6320% | 855 |
| Net operating income to assets | 0.1486% | 5,896 |
| Return on assets (ROA) | 0.2180% | 5,927 |
| Pretax return on assets | 0.3316% | 5,762 |
| Return on Equity (ROE) | 2.6206% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.6206% | 4,388 |
| Net charge-offs to loans | 1.2847% | 758 |
| Credit loss provision to net charge-offs | 66.5918% | 4,268 |
| Earnings coverage of net charge-offs (x) | 0.9046% | 5,019 |
| Efficiency ratio | 80.8019% | 2,036 |
| Assets per employee ($millions) | 3.0503% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 1,565 |
| Loan loss allowance to noncurrent loans | 307.9289% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 2,641 |
| Noncurrent loans to loans | 0.7119% | 4,761 |
| Net loans and leases to total assets | 72.4156% | 1,434 |
| Net loans and leases to deposits | 84.3162% | 1,720 |
| Net loans and leases to core deposits | 88.3009% | 2,054 |
| Total domestic deposits to total assets | 85.8857% | 3,410 |
| Equity capital to assets | 8.5764% | 5,982 |
| Core capital (leverage) ratio | 7.1133% | 6,665 |
| Tier 1 risk-based capital ratio | 9.6256% | 6,788 |
| Total risk-based capital ratio | 10.8875% | 6,765 |
| Memoranda: | ||
| Average total assets | $281,660,200 | 2,255 |
| Average earning assets | $253,461,200 | 2,284 |
| Average equity | $23,429,600 | 2,807 |
| Average total loans | $208,070,000 | 1,940 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 3,236 |
| Cost of funding earning assets | 1.0713% | 1,191 |
| Net interest margin | 3.5223% | 4,555 |
| Noninterest income to average assets | 1.4192% | 747 |
| Noninterest expense to average assets | 3.6200% | 1,523 |
| Loan and lease loss provision to assets | 0.7099% | 715 |
| Net operating income to assets | 0.1687% | 5,989 |
| Return on assets (ROA) | 0.2594% | 5,946 |
| Pretax return on assets | 0.4004% | 5,718 |
| Return on Equity (ROE) | 3.1425% | 5,631 |
| Retained earnings to average equity (ytd only) | 3.1425% | 4,664 |
| Net charge-offs to loans | 1.4706% | 594 |
| Credit loss provision to net charge-offs | 65.3779% | 4,017 |
| Earnings coverage of net charge-offs (x) | 0.8940% | 4,883 |
| Efficiency ratio | 78.8554% | 2,254 |
| Assets per employee ($millions) | 2.9442% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,666 |
| Loan loss allowance to noncurrent loans | 103.3468% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 3.3835% | 1,492 |
| Noncurrent loans to loans | 2.1508% | 2,673 |
| Net loans and leases to total assets | 71.6091% | 1,623 |
| Net loans and leases to deposits | 83.5574% | 1,921 |
| Net loans and leases to core deposits | 87.6268% | 2,256 |
| Total domestic deposits to total assets | 85.7005% | 3,414 |
| Equity capital to assets | 8.4146% | 6,338 |
| Core capital (leverage) ratio | 7.1009% | 6,773 |
| Tier 1 risk-based capital ratio | 9.5994% | 6,885 |
| Total risk-based capital ratio | 10.8615% | 6,870 |
| Memoranda: | ||
| Average total assets | $282,681,000 | 2,276 |
| Average earning assets | $254,523,500 | 2,302 |
| Average equity | $23,335,500 | 2,841 |
| Average total loans | $208,709,000 | 1,949 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 3,109 |
| Cost of funding earning assets | 1.1117% | 1,166 |
| Net interest margin | 3.5448% | 4,486 |
| Noninterest income to average assets | 1.3053% | 833 |
| Noninterest expense to average assets | 3.5643% | 1,650 |
| Loan and lease loss provision to assets | 0.6014% | 989 |
| Net operating income to assets | 0.2124% | 5,879 |
| Return on assets (ROA) | 0.3021% | 5,817 |
| Pretax return on assets | 0.4740% | 5,508 |
| Return on Equity (ROE) | 3.6832% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.6832% | 4,144 |
| Net charge-offs to loans | 1.8492% | 477 |
| Credit loss provision to net charge-offs | 43.9276% | 4,174 |
| Earnings coverage of net charge-offs (x) | 0.6832% | 4,715 |
| Efficiency ratio | 79.2138% | 2,298 |
| Assets per employee ($millions) | 2.9412% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 2,011 |
| Loan loss allowance to noncurrent loans | 72.8547% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 3.1835% | 1,711 |
| Noncurrent loans to loans | 2.8775% | 2,083 |
| Net loans and leases to total assets | 71.3351% | 1,674 |
| Net loans and leases to deposits | 83.1435% | 1,963 |
| Net loans and leases to core deposits | 87.0171% | 2,310 |
| Total domestic deposits to total assets | 85.7975% | 3,459 |
| Equity capital to assets | 8.2643% | 6,403 |
| Core capital (leverage) ratio | 7.0293% | 6,811 |
| Tier 1 risk-based capital ratio | 9.4107% | 6,939 |
| Total risk-based capital ratio | 10.6706% | 6,934 |
| Memoranda: | ||
| Average total assets | $282,694,670 | 2,282 |
| Average earning assets | $254,738,670 | 2,312 |
| Average equity | $23,186,330 | 2,835 |
| Average total loans | $209,279,670 | 1,947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 3,363 |
| Cost of funding earning assets | 1.1686% | 1,112 |
| Net interest margin | 3.4602% | 4,876 |
| Noninterest income to average assets | 1.1341% | 1,093 |
| Noninterest expense to average assets | 3.3995% | 2,007 |
| Loan and lease loss provision to assets | 0.4242% | 1,478 |
| Net operating income to assets | 0.2597% | 5,782 |
| Return on assets (ROA) | 0.2941% | 5,842 |
| Pretax return on assets | 0.4751% | 5,503 |
| Return on Equity (ROE) | 3.5999% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.5999% | 4,415 |
| Net charge-offs to loans | 0.2312% | 2,769 |
| Credit loss provision to net charge-offs | 245.9016% | 1,161 |
| Earnings coverage of net charge-offs (x) | 4.9016% | 2,479 |
| Efficiency ratio | 80.0799% | 2,193 |
| Assets per employee ($millions) | 3.0625% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6243% | 1,197 |
| Loan loss allowance to noncurrent loans | 94.4604% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 3.3970% | 1,695 |
| Noncurrent loans to loans | 2.7782% | 2,335 |
| Net loans and leases to total assets | 73.4326% | 1,147 |
| Net loans and leases to deposits | 85.5869% | 1,466 |
| Net loans and leases to core deposits | 89.5833% | 1,893 |
| Total domestic deposits to total assets | 85.7988% | 3,642 |
| Equity capital to assets | 8.2562% | 6,307 |
| Core capital (leverage) ratio | 6.8693% | 6,888 |
| Tier 1 risk-based capital ratio | 9.1210% | 7,012 |
| Total risk-based capital ratio | 10.3882% | 7,019 |
| Memoranda: | ||
| Average total assets | $282,862,500 | 2,294 |
| Average earning assets | $254,320,000 | 2,331 |
| Average equity | $23,112,000 | 2,841 |
| Average total loans | $211,052,500 | 1,937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 4,575 |
| Cost of funding earning assets | 1.3644% | 1,186 |
| Net interest margin | 3.2592% | 5,934 |
| Noninterest income to average assets | 0.2198% | 5,954 |
| Noninterest expense to average assets | 3.0834% | 3,258 |
| Loan and lease loss provision to assets | 1.4787% | 505 |
| Net operating income to assets | -0.8905% | 6,696 |
| Return on assets (ROA) | -0.8905% | 6,724 |
| Pretax return on assets | -1.4190% | 6,875 |
| Return on Equity (ROE) | -11.0785% | 6,767 |
| Retained earnings to average equity (ytd only) | -11.0785% | 6,734 |
| Net charge-offs to loans | 1.4818% | 1,084 |
| Credit loss provision to net charge-offs | 140.3840% | 2,100 |
| Earnings coverage of net charge-offs (x) | 0.0567% | 5,781 |
| Efficiency ratio | 98.1013% | 723 |
| Assets per employee ($millions) | 3.2270% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5750% | 1,218 |
| Loan loss allowance to noncurrent loans | 83.4570% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 3.8000% | 1,520 |
| Noncurrent loans to loans | 3.0854% | 2,094 |
| Net loans and leases to total assets | 71.9200% | 1,658 |
| Net loans and leases to deposits | 84.2028% | 1,898 |
| Net loans and leases to core deposits | 88.3189% | 2,343 |
| Total domestic deposits to total assets | 85.4127% | 3,639 |
| Equity capital to assets | 8.0860% | 6,518 |
| Core capital (leverage) ratio | 6.4939% | 6,982 |
| Tier 1 risk-based capital ratio | 8.8946% | 7,046 |
| Total risk-based capital ratio | 10.1608% | 7,050 |
| Memoranda: | ||
| Average total assets | $301,619,800 | 2,123 |
| Average earning assets | $270,523,200 | 2,160 |
| Average equity | $24,245,200 | 2,641 |
| Average total loans | $214,405,800 | 1,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 4,738 |
| Cost of funding earning assets | 1.3994% | 1,231 |
| Net interest margin | 3.2322% | 6,069 |
| Noninterest income to average assets | 0.5119% | 3,781 |
| Noninterest expense to average assets | 2.9730% | 3,663 |
| Loan and lease loss provision to assets | 1.5031% | 459 |
| Net operating income to assets | -0.6692% | 6,743 |
| Return on assets (ROA) | -0.6692% | 6,775 |
| Pretax return on assets | -1.0652% | 6,896 |
| Return on Equity (ROE) | -8.3365% | 6,830 |
| Retained earnings to average equity (ytd only) | -8.3365% | 6,782 |
| Net charge-offs to loans | 1.3358% | 1,135 |
| Credit loss provision to net charge-offs | 159.7222% | 1,930 |
| Earnings coverage of net charge-offs (x) | 0.4653% | 5,276 |
| Efficiency ratio | 87.1631% | 1,423 |
| Assets per employee ($millions) | 3.4927% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6052% | 1,256 |
| Loan loss allowance to noncurrent loans | 74.2853% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 4.9399% | 1,172 |
| Noncurrent loans to loans | 3.5070% | 1,963 |
| Net loans and leases to total assets | 67.2711% | 2,618 |
| Net loans and leases to deposits | 77.9594% | 3,004 |
| Net loans and leases to core deposits | 84.0574% | 3,060 |
| Total domestic deposits to total assets | 86.2900% | 3,044 |
| Equity capital to assets | 8.0490% | 6,664 |
| Core capital (leverage) ratio | 6.8287% | 6,998 |
| Tier 1 risk-based capital ratio | 9.5007% | 7,053 |
| Total risk-based capital ratio | 10.7662% | 7,050 |
| Memoranda: | ||
| Average total assets | $306,031,250 | 2,099 |
| Average earning assets | $274,485,250 | 2,140 |
| Average equity | $24,566,000 | 2,624 |
| Average total loans | $215,599,250 | 1,923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 4,694 |
| Cost of funding earning assets | 1.4339% | 1,263 |
| Net interest margin | 3.2280% | 6,072 |
| Noninterest income to average assets | 0.4092% | 4,608 |
| Noninterest expense to average assets | 2.9047% | 4,005 |
| Loan and lease loss provision to assets | 1.8999% | 343 |
| Net operating income to assets | -0.9399% | 6,927 |
| Return on assets (ROA) | -0.9399% | 6,930 |
| Pretax return on assets | -1.4972% | 7,070 |
| Return on Equity (ROE) | -11.7187% | 6,985 |
| Retained earnings to average equity (ytd only) | -11.7187% | 6,934 |
| Net charge-offs to loans | 1.6124% | 908 |
| Credit loss provision to net charge-offs | 166.1932% | 1,829 |
| Earnings coverage of net charge-offs (x) | 0.3523% | 5,041 |
| Efficiency ratio | 87.8240% | 1,430 |
| Assets per employee ($millions) | 3.7633% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 1,441 |
| Loan loss allowance to noncurrent loans | 53.9877% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 5.2000% | 1,169 |
| Noncurrent loans to loans | 4.6405% | 1,421 |
| Net loans and leases to total assets | 67.4060% | 2,734 |
| Net loans and leases to deposits | 79.3698% | 2,912 |
| Net loans and leases to core deposits | 85.6897% | 2,958 |
| Total domestic deposits to total assets | 84.9265% | 3,911 |
| Equity capital to assets | 7.9206% | 6,735 |
| Core capital (leverage) ratio | 6.8044% | 7,055 |
| Tier 1 risk-based capital ratio | 9.5387% | 7,095 |
| Total risk-based capital ratio | 10.8031% | 7,100 |
| Memoranda: | ||
| Average total assets | $307,918,000 | 2,094 |
| Average earning assets | $276,452,330 | 2,132 |
| Average equity | $24,695,670 | 2,588 |
| Average total loans | $218,309,670 | 1,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 4,113 |
| Cost of funding earning assets | 1.4826% | 1,245 |
| Net interest margin | 3.3045% | 5,759 |
| Noninterest income to average assets | 0.4808% | 4,043 |
| Noninterest expense to average assets | 2.7519% | 4,637 |
| Loan and lease loss provision to assets | 0.6786% | 1,254 |
| Net operating income to assets | 0.0013% | 6,346 |
| Return on assets (ROA) | 0.0013% | 6,377 |
| Pretax return on assets | 0.0090% | 6,337 |
| Return on Equity (ROE) | 0.0160% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.0160% | 5,783 |
| Net charge-offs to loans | 0.0847% | 4,105 |
| Credit loss provision to net charge-offs | 1,117.0213% | 343 |
| Earnings coverage of net charge-offs (x) | 11.3191% | 1,560 |
| Efficiency ratio | 80.0075% | 2,530 |
| Assets per employee ($millions) | 3.9612% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 2,205 |
| Loan loss allowance to noncurrent loans | 75.8296% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.6691% | 1,848 |
| Noncurrent loans to loans | 2.7582% | 2,741 |
| Net loans and leases to total assets | 67.8484% | 2,580 |
| Net loans and leases to deposits | 81.2923% | 2,479 |
| Net loans and leases to core deposits | 87.9298% | 2,611 |
| Total domestic deposits to total assets | 83.4622% | 4,712 |
| Equity capital to assets | 7.9245% | 6,571 |
| Core capital (leverage) ratio | 7.7487% | 6,510 |
| Tier 1 risk-based capital ratio | 10.2820% | 6,904 |
| Total risk-based capital ratio | 11.5413% | 6,893 |
| Memoranda: | ||
| Average total assets | $309,464,000 | 2,099 |
| Average earning assets | $277,076,500 | 2,139 |
| Average equity | $24,971,500 | 2,547 |
| Average total loans | $222,089,000 | 1,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 5,343 |
| Cost of funding earning assets | 1.7570% | 1,356 |
| Net interest margin | 3.0641% | 6,608 |
| Noninterest income to average assets | 0.3772% | 5,082 |
| Noninterest expense to average assets | 2.6778% | 5,088 |
| Loan and lease loss provision to assets | 2.1266% | 600 |
| Net operating income to assets | -1.0166% | 6,691 |
| Return on assets (ROA) | -0.9186% | 6,668 |
| Pretax return on assets | -1.4573% | 6,843 |
| Return on Equity (ROE) | -11.0685% | 6,777 |
| Retained earnings to average equity (ytd only) | -11.0685% | 6,719 |
| Net charge-offs to loans | 2.3869% | 797 |
| Credit loss provision to net charge-offs | 119.4419% | 3,546 |
| Earnings coverage of net charge-offs (x) | 0.2898% | 5,818 |
| Efficiency ratio | 83.8435% | 1,939 |
| Assets per employee ($millions) | 3.8723% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 2,750 |
| Loan loss allowance to noncurrent loans | 70.5590% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 3.8144% | 1,793 |
| Noncurrent loans to loans | 2.5969% | 2,933 |
| Net loans and leases to total assets | 72.9926% | 1,872 |
| Net loans and leases to deposits | 87.3478% | 1,888 |
| Net loans and leases to core deposits | 97.2672% | 1,868 |
| Total domestic deposits to total assets | 83.5655% | 4,574 |
| Equity capital to assets | 8.2212% | 6,236 |
| Core capital (leverage) ratio | 7.6217% | 6,604 |
| Tier 1 risk-based capital ratio | 10.2165% | 6,864 |
| Total risk-based capital ratio | 11.4735% | 6,839 |
| Memoranda: | ||
| Average total assets | $312,005,200 | 2,079 |
| Average earning assets | $286,802,400 | 2,071 |
| Average equity | $25,893,400 | 2,467 |
| Average total loans | $232,732,600 | 1,878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 5,565 |
| Cost of funding earning assets | 1.8017% | 1,416 |
| Net interest margin | 3.0218% | 6,787 |
| Noninterest income to average assets | 0.5978% | 3,454 |
| Noninterest expense to average assets | 2.6467% | 5,127 |
| Loan and lease loss provision to assets | 2.4987% | 421 |
| Net operating income to assets | -1.1111% | 6,949 |
| Return on assets (ROA) | -0.9814% | 6,936 |
| Pretax return on assets | -1.5563% | 7,059 |
| Return on Equity (ROE) | -11.7993% | 7,004 |
| Retained earnings to average equity (ytd only) | -11.7993% | 6,967 |
| Net charge-offs to loans | 2.2501% | 793 |
| Credit loss provision to net charge-offs | 148.7633% | 2,622 |
| Earnings coverage of net charge-offs (x) | 0.4404% | 5,584 |
| Efficiency ratio | 78.1547% | 2,608 |
| Assets per employee ($millions) | 4.3773% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 1,838 |
| Loan loss allowance to noncurrent loans | 92.3749% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.8578% | 2,542 |
| Noncurrent loans to loans | 2.3628% | 3,280 |
| Net loans and leases to total assets | 70.6299% | 2,580 |
| Net loans and leases to deposits | 84.6579% | 2,587 |
| Net loans and leases to core deposits | 96.0510% | 2,254 |
| Total domestic deposits to total assets | 83.4298% | 4,407 |
| Equity capital to assets | 8.2210% | 6,590 |
| Core capital (leverage) ratio | 7.5508% | 6,815 |
| Tier 1 risk-based capital ratio | 10.2196% | 6,949 |
| Total risk-based capital ratio | 11.4805% | 6,924 |
| Memoranda: | ||
| Average total assets | $314,497,500 | 2,097 |
| Average earning assets | $290,241,750 | 2,079 |
| Average equity | $26,159,000 | 2,485 |
| Average total loans | $234,771,000 | 1,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 5,538 |
| Cost of funding earning assets | 1.8421% | 1,473 |
| Net interest margin | 3.0273% | 6,777 |
| Noninterest income to average assets | 0.5753% | 3,508 |
| Noninterest expense to average assets | 2.6480% | 5,136 |
| Loan and lease loss provision to assets | 3.3690% | 268 |
| Net operating income to assets | -1.6597% | 7,203 |
| Return on assets (ROA) | -1.6597% | 7,213 |
| Pretax return on assets | -2.6378% | 7,400 |
| Return on Equity (ROE) | -19.8765% | 7,276 |
| Retained earnings to average equity (ytd only) | -19.8765% | 7,255 |
| Net charge-offs to loans | 3.2694% | 465 |
| Credit loss provision to net charge-offs | 136.5489% | 2,936 |
| Earnings coverage of net charge-offs (x) | 0.2964% | 5,432 |
| Efficiency ratio | 78.3616% | 2,665 |
| Assets per employee ($millions) | 4.7930% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,424 |
| Loan loss allowance to noncurrent loans | 55.3731% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 2,514 |
| Noncurrent loans to loans | 3.4220% | 2,323 |
| Net loans and leases to total assets | 72.8631% | 2,196 |
| Net loans and leases to deposits | 87.4187% | 2,273 |
| Net loans and leases to core deposits | 100.1242% | 2,003 |
| Total domestic deposits to total assets | 83.3496% | 4,414 |
| Equity capital to assets | 8.2876% | 6,438 |
| Core capital (leverage) ratio | 7.4552% | 6,865 |
| Tier 1 risk-based capital ratio | 9.9047% | 7,079 |
| Total risk-based capital ratio | 11.1622% | 7,050 |
| Memoranda: | ||
| Average total assets | $314,274,000 | 2,121 |
| Average earning assets | $291,081,670 | 2,085 |
| Average equity | $26,242,000 | 2,473 |
| Average total loans | $237,171,330 | 1,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 5,215 |
| Cost of funding earning assets | 1.8701% | 1,570 |
| Net interest margin | 3.0847% | 6,636 |
| Noninterest income to average assets | 0.4278% | 4,678 |
| Noninterest expense to average assets | 2.3956% | 6,104 |
| Loan and lease loss provision to assets | 1.0088% | 1,235 |
| Net operating income to assets | -0.0779% | 6,413 |
| Return on assets (ROA) | -0.0779% | 6,488 |
| Pretax return on assets | -0.1162% | 6,482 |
| Return on Equity (ROE) | -0.9294% | 6,516 |
| Retained earnings to average equity (ytd only) | -0.9294% | 6,031 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8544% | 3,785 |
| Assets per employee ($millions) | 4.7311% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 3,438 |
| Loan loss allowance to noncurrent loans | 70.2996% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9096% | 3,621 |
| Noncurrent loans to loans | 2.2780% | 3,419 |
| Net loans and leases to total assets | 74.1442% | 1,937 |
| Net loans and leases to deposits | 88.9849% | 2,064 |
| Net loans and leases to core deposits | 103.6626% | 1,773 |
| Total domestic deposits to total assets | 83.3222% | 4,465 |
| Equity capital to assets | 8.2786% | 6,331 |
| Core capital (leverage) ratio | 8.0990% | 6,076 |
| Tier 1 risk-based capital ratio | 10.2448% | 6,850 |
| Total risk-based capital ratio | 11.4986% | 6,843 |
| Memoranda: | ||
| Average total assets | $313,240,500 | 2,174 |
| Average earning assets | $290,466,500 | 2,142 |
| Average equity | $26,254,500 | 2,494 |
| Average total loans | $238,283,000 | 1,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 5,214 |
| Cost of funding earning assets | 2.5239% | 966 |
| Net interest margin | 2.7685% | 7,111 |
| Noninterest income to average assets | 0.2360% | 6,412 |
| Noninterest expense to average assets | 2.4684% | 6,245 |
| Loan and lease loss provision to assets | 0.3497% | 4,707 |
| Net operating income to assets | -0.0188% | 5,525 |
| Return on assets (ROA) | 0.0314% | 5,444 |
| Pretax return on assets | 0.0549% | 5,312 |
| Return on Equity (ROE) | 0.3583% | 5,426 |
| Retained earnings to average equity (ytd only) | 0.3583% | 4,704 |
| Net charge-offs to loans | 0.3082% | 4,705 |
| Credit loss provision to net charge-offs | 146.4544% | 3,234 |
| Earnings coverage of net charge-offs (x) | 1.3661% | 4,765 |
| Efficiency ratio | 88.3269% | 1,854 |
| Assets per employee ($millions) | 4.8359% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 4,892 |
| Loan loss allowance to noncurrent loans | 106.8286% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 4,857 |
| Noncurrent loans to loans | 1.1951% | 4,944 |
| Net loans and leases to total assets | 75.8265% | 1,848 |
| Net loans and leases to deposits | 92.4323% | 1,828 |
| Net loans and leases to core deposits | 121.6589% | 1,813 |
| Total domestic deposits to total assets | 82.0347% | 4,932 |
| Equity capital to assets | 8.4870% | 5,901 |
| Core capital (leverage) ratio | 8.3697% | 5,504 |
| Tier 1 risk-based capital ratio | 10.2619% | 6,625 |
| Total risk-based capital ratio | 11.4931% | 6,611 |
| Memoranda: | ||
| Average total assets | $289,381,000 | 2,281 |
| Average earning assets | $267,438,400 | 2,264 |
| Average equity | $25,396,000 | 2,571 |
| Average total loans | $224,183,200 | 2,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 5,311 |
| Cost of funding earning assets | 2.6817% | 829 |
| Net interest margin | 2.6411% | 7,306 |
| Noninterest income to average assets | 0.1730% | 6,978 |
| Noninterest expense to average assets | 2.5231% | 6,003 |
| Loan and lease loss provision to assets | 0.3198% | 4,427 |
| Net operating income to assets | -0.1519% | 5,990 |
| Return on assets (ROA) | -0.1519% | 6,004 |
| Pretax return on assets | -0.2298% | 6,019 |
| Return on Equity (ROE) | -1.7157% | 6,055 |
| Retained earnings to average equity (ytd only) | -1.7157% | 5,661 |
| Net charge-offs to loans | 0.3110% | 4,093 |
| Credit loss provision to net charge-offs | 132.4272% | 3,779 |
| Earnings coverage of net charge-offs (x) | 0.3728% | 5,651 |
| Efficiency ratio | 96.5548% | 1,243 |
| Assets per employee ($millions) | 4.4971% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 4,870 |
| Loan loss allowance to noncurrent loans | 839.9417% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 6,629 |
| Noncurrent loans to loans | 0.1482% | 7,106 |
| Net loans and leases to total assets | 75.8381% | 2,020 |
| Net loans and leases to deposits | 93.4700% | 1,971 |
| Net loans and leases to core deposits | 120.9051% | 2,165 |
| Total domestic deposits to total assets | 81.1363% | 5,020 |
| Equity capital to assets | 8.6911% | 5,968 |
| Core capital (leverage) ratio | 8.4193% | 5,639 |
| Tier 1 risk-based capital ratio | 10.2533% | 6,733 |
| Total risk-based capital ratio | 11.4530% | 6,716 |
| Memoranda: | ||
| Average total assets | $284,352,250 | 2,328 |
| Average earning assets | $262,709,500 | 2,314 |
| Average equity | $25,178,250 | 2,616 |
| Average total loans | $220,800,250 | 2,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 5,638 |
| Cost of funding earning assets | 2.8392% | 712 |
| Net interest margin | 2.4652% | 7,512 |
| Noninterest income to average assets | 0.0165% | 7,885 |
| Noninterest expense to average assets | 2.5332% | 6,008 |
| Loan and lease loss provision to assets | 0.2777% | 4,357 |
| Net operating income to assets | -0.3308% | 6,361 |
| Return on assets (ROA) | -0.3308% | 6,375 |
| Pretax return on assets | -0.5145% | 6,443 |
| Return on Equity (ROE) | -3.7115% | 6,446 |
| Retained earnings to average equity (ytd only) | -3.7115% | 6,084 |
| Net charge-offs to loans | 0.3820% | 3,292 |
| Credit loss provision to net charge-offs | 93.2530% | 4,825 |
| Earnings coverage of net charge-offs (x) | -0.7952% | 6,175 |
| Efficiency ratio | 110.3125% | 840 |
| Assets per employee ($millions) | 4.9357% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,150 |
| Loan loss allowance to noncurrent loans | 699.4792% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 6,573 |
| Noncurrent loans to loans | 0.1672% | 7,107 |
| Net loans and leases to total assets | 76.6435% | 2,027 |
| Net loans and leases to deposits | 95.3051% | 1,900 |
| Net loans and leases to core deposits | 123.1870% | 2,099 |
| Total domestic deposits to total assets | 80.4191% | 5,311 |
| Equity capital to assets | 8.7205% | 5,726 |
| Core capital (leverage) ratio | 8.4447% | 5,536 |
| Tier 1 risk-based capital ratio | 10.3099% | 6,585 |
| Total risk-based capital ratio | 11.4438% | 6,650 |
| Memoranda: | ||
| Average total assets | $278,700,000 | 2,388 |
| Average earning assets | $257,744,670 | 2,373 |
| Average equity | $24,842,000 | 2,653 |
| Average total loans | $217,271,000 | 2,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 6,034 |
| Cost of funding earning assets | 2.9518% | 679 |
| Net interest margin | 2.3160% | 7,700 |
| Noninterest income to average assets | 0.4830% | 4,478 |
| Noninterest expense to average assets | 2.5083% | 5,808 |
| Loan and lease loss provision to assets | 0.1393% | 5,170 |
| Net operating income to assets | -0.0193% | 6,287 |
| Return on assets (ROA) | -0.0193% | 6,417 |
| Pretax return on assets | -0.0222% | 6,405 |
| Return on Equity (ROE) | -0.2135% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.2135% | 5,693 |
| Net charge-offs to loans | 0.6652% | 1,849 |
| Credit loss provision to net charge-offs | 26.7806% | 4,989 |
| Earnings coverage of net charge-offs (x) | 0.2251% | 4,802 |
| Efficiency ratio | 95.5418% | 1,340 |
| Assets per employee ($millions) | 4.5535% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,151 |
| Loan loss allowance to noncurrent loans | 484.6154% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 6,629 |
| Noncurrent loans to loans | 0.2365% | 6,855 |
| Net loans and leases to total assets | 75.0629% | 2,490 |
| Net loans and leases to deposits | 92.9594% | 2,441 |
| Net loans and leases to core deposits | 119.1239% | 2,495 |
| Total domestic deposits to total assets | 80.7480% | 5,069 |
| Equity capital to assets | 9.3307% | 4,891 |
| Core capital (leverage) ratio | 9.3667% | 4,149 |
| Tier 1 risk-based capital ratio | 10.8864% | 6,004 |
| Total risk-based capital ratio | 11.9510% | 6,097 |
| Memoranda: | ||
| Average total assets | $269,980,000 | 2,462 |
| Average earning assets | $249,745,000 | 2,450 |
| Average equity | $24,350,500 | 2,724 |
| Average total loans | $211,077,500 | 2,261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9577% | 5,768 |
| Cost of funding earning assets | 3.4548% | 594 |
| Net interest margin | 2.5029% | 7,751 |
| Noninterest income to average assets | 0.5369% | 4,341 |
| Noninterest expense to average assets | 2.6333% | 5,518 |
| Loan and lease loss provision to assets | 0.4781% | 2,913 |
| Net operating income to assets | -0.1655% | 6,579 |
| Return on assets (ROA) | -0.1655% | 6,425 |
| Pretax return on assets | -0.2676% | 6,429 |
| Return on Equity (ROE) | -1.8053% | 6,480 |
| Retained earnings to average equity (ytd only) | -1.8053% | 5,818 |
| Net charge-offs to loans | 0.2370% | 3,876 |
| Credit loss provision to net charge-offs | 249.4407% | 1,871 |
| Earnings coverage of net charge-offs (x) | 1.0984% | 5,573 |
| Efficiency ratio | 92.5965% | 1,354 |
| Assets per employee ($millions) | 3.9037% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,737 |
| Loan loss allowance to noncurrent loans | 241.0302% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 5,905 |
| Noncurrent loans to loans | 0.5419% | 5,737 |
| Net loans and leases to total assets | 79.5941% | 1,752 |
| Net loans and leases to deposits | 100.3356% | 1,808 |
| Net loans and leases to core deposits | 132.9144% | 1,662 |
| Total domestic deposits to total assets | 79.3278% | 5,258 |
| Equity capital to assets | 8.6782% | 5,843 |
| Core capital (leverage) ratio | 8.3686% | 5,820 |
| Tier 1 risk-based capital ratio | 9.5209% | 7,283 |
| Total risk-based capital ratio | 10.7434% | 7,236 |
| Memoranda: | ||
| Average total assets | $233,207,200 | 2,726 |
| Average earning assets | $214,947,800 | 2,714 |
| Average equity | $21,381,600 | 3,055 |
| Average total loans | $188,647,000 | 2,412 |