Home > Alliance Bank Corporation > Performance and Condition Ratios
Alliance Bank Corporation, 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 | 3.5688% | 6,430 |
| Cost of funding earning assets | 0.8609% | 2,454 |
| Net interest margin | 2.7079% | 6,635 |
| Noninterest income to average assets | -0.1597% | 7,060 |
| Noninterest expense to average assets | 2.7507% | 4,169 |
| Loan and lease loss provision to assets | 0.0596% | 4,982 |
| Net operating income to assets | -0.2941% | 6,566 |
| Return on assets (ROA) | -0.2577% | 6,605 |
| Pretax return on assets | -0.3170% | 6,611 |
| Return on Equity (ROE) | -3.5050% | 6,649 |
| Retained earnings to average equity (ytd only) | -3.5050% | 6,515 |
| Net charge-offs to loans | 0.3397% | 2,757 |
| Credit loss provision to net charge-offs | 30.1987% | 4,800 |
| Earnings coverage of net charge-offs (x) | -1.5325% | 5,622 |
| Efficiency ratio | 112.3492% | 264 |
| Assets per employee ($millions) | 10.0192% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 3,187 |
| Loan loss allowance to noncurrent loans | 41.7826% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9215% | 1,796 |
| Noncurrent loans to loans | 4.0440% | 1,258 |
| Net loans and leases to total assets | 54.3410% | 4,701 |
| Net loans and leases to deposits | 68.2787% | 4,139 |
| Net loans and leases to core deposits | 93.0806% | 1,678 |
| Total domestic deposits to total assets | 79.5870% | 5,750 |
| Equity capital to assets | 7.1638% | 6,853 |
| Core capital (leverage) ratio | 7.7381% | 6,501 |
| Tier 1 risk-based capital ratio | 12.7013% | 5,477 |
| Total risk-based capital ratio | 13.9220% | 5,465 |
| Memoranda: | ||
| Average total assets | $510,217,250 | 1,326 |
| Average earning assets | $491,389,750 | 1,254 |
| Average equity | $37,506,750 | 1,875 |
| Average total loans | $296,353,250 | 1,431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 6,355 |
| Cost of funding earning assets | 0.9039% | 2,365 |
| Net interest margin | 2.7823% | 6,612 |
| Noninterest income to average assets | -0.1050% | 7,096 |
| Noninterest expense to average assets | 2.8289% | 3,911 |
| Loan and lease loss provision to assets | 0.1776% | 3,318 |
| Net operating income to assets | -0.4065% | 6,688 |
| Return on assets (ROA) | -0.4054% | 6,733 |
| Pretax return on assets | -0.4335% | 6,719 |
| Return on Equity (ROE) | -5.4674% | 6,790 |
| Retained earnings to average equity (ytd only) | -5.4674% | 6,650 |
| Net charge-offs to loans | 0.5268% | 2,011 |
| Credit loss provision to net charge-offs | 57.1066% | 3,880 |
| Earnings coverage of net charge-offs (x) | -0.8261% | 5,285 |
| Efficiency ratio | 109.9923% | 330 |
| Assets per employee ($millions) | 9.7488% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,138 |
| Loan loss allowance to noncurrent loans | 47.9829% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.8733% | 1,922 |
| Noncurrent loans to loans | 3.5898% | 1,598 |
| Net loans and leases to total assets | 56.8941% | 4,342 |
| Net loans and leases to deposits | 75.3519% | 3,071 |
| Net loans and leases to core deposits | 110.2904% | 564 |
| Total domestic deposits to total assets | 75.5046% | 6,531 |
| Equity capital to assets | 7.3364% | 6,839 |
| Core capital (leverage) ratio | 7.8969% | 6,375 |
| Tier 1 risk-based capital ratio | 12.0532% | 5,893 |
| Total risk-based capital ratio | 13.3082% | 5,870 |
| Memoranda: | ||
| Average total assets | $506,624,000 | 1,336 |
| Average earning assets | $487,443,330 | 1,265 |
| Average equity | $37,568,000 | 1,858 |
| Average total loans | $299,144,000 | 1,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 6,407 |
| Cost of funding earning assets | 0.9284% | 2,453 |
| Net interest margin | 2.7911% | 6,652 |
| Noninterest income to average assets | 0.3680% | 4,930 |
| Noninterest expense to average assets | 2.7745% | 4,144 |
| Loan and lease loss provision to assets | 0.3554% | 1,768 |
| Net operating income to assets | -0.2006% | 6,640 |
| Return on assets (ROA) | -0.1982% | 6,686 |
| Pretax return on assets | -0.0742% | 6,584 |
| Return on Equity (ROE) | -2.6591% | 6,734 |
| Retained earnings to average equity (ytd only) | -2.6591% | 6,357 |
| Net charge-offs to loans | 1.0239% | 1,011 |
| Credit loss provision to net charge-offs | 58.2147% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.4567% | 4,117 |
| Efficiency ratio | 90.8691% | 1,025 |
| Assets per employee ($millions) | 9.2241% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 3,325 |
| Loan loss allowance to noncurrent loans | 43.8847% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 3.2003% | 1,812 |
| Noncurrent loans to loans | 3.8888% | 1,586 |
| Net loans and leases to total assets | 57.5595% | 4,122 |
| Net loans and leases to deposits | 76.7277% | 2,702 |
| Net loans and leases to core deposits | 116.9234% | 361 |
| Total domestic deposits to total assets | 75.0179% | 6,644 |
| Equity capital to assets | 7.4207% | 6,809 |
| Core capital (leverage) ratio | 8.0505% | 6,211 |
| Tier 1 risk-based capital ratio | 12.4068% | 5,682 |
| Total risk-based capital ratio | 13.6248% | 5,662 |
| Memoranda: | ||
| Average total assets | $506,468,500 | 1,342 |
| Average earning assets | $487,266,000 | 1,272 |
| Average equity | $37,756,500 | 1,845 |
| Average total loans | $301,980,500 | 1,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 5,627 |
| Cost of funding earning assets | 1.0507% | 3,010 |
| Net interest margin | 3.2908% | 5,833 |
| Noninterest income to average assets | -0.5288% | 7,270 |
| Noninterest expense to average assets | 3.0296% | 3,480 |
| Loan and lease loss provision to assets | 0.2934% | 3,313 |
| Net operating income to assets | -1.7127% | 6,966 |
| Return on assets (ROA) | -1.0740% | 6,799 |
| Pretax return on assets | -0.0968% | 6,210 |
| Return on Equity (ROE) | -13.2397% | 6,842 |
| Retained earnings to average equity (ytd only) | -13.2397% | 6,818 |
| Net charge-offs to loans | 0.4493% | 3,183 |
| Credit loss provision to net charge-offs | 107.7940% | 3,132 |
| Earnings coverage of net charge-offs (x) | -1.6242% | 6,261 |
| Efficiency ratio | 117.0851% | 332 |
| Assets per employee ($millions) | 8.7174% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,994 |
| Loan loss allowance to noncurrent loans | 40.6559% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 3.3648% | 1,761 |
| Noncurrent loans to loans | 4.3226% | 1,406 |
| Net loans and leases to total assets | 59.6276% | 4,053 |
| Net loans and leases to deposits | 79.2051% | 2,655 |
| Net loans and leases to core deposits | 124.8728% | 288 |
| Total domestic deposits to total assets | 75.2825% | 6,564 |
| Equity capital to assets | 7.4892% | 6,815 |
| Core capital (leverage) ratio | 7.5595% | 6,618 |
| Tier 1 risk-based capital ratio | 12.4583% | 5,486 |
| Total risk-based capital ratio | 13.7156% | 5,460 |
| Memoranda: | ||
| Average total assets | $527,951,600 | 1,268 |
| Average earning assets | $499,967,400 | 1,211 |
| Average equity | $42,825,600 | 1,570 |
| Average total loans | $319,855,000 | 1,326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 5,212 |
| Cost of funding earning assets | 1.0705% | 3,176 |
| Net interest margin | 3.4460% | 5,407 |
| Noninterest income to average assets | -0.6725% | 7,376 |
| Noninterest expense to average assets | 2.8566% | 4,118 |
| Loan and lease loss provision to assets | 0.3011% | 3,116 |
| Net operating income to assets | -0.4172% | 6,594 |
| Return on assets (ROA) | 0.1287% | 6,010 |
| Pretax return on assets | 0.1794% | 5,930 |
| Return on Equity (ROE) | 1.5582% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.5582% | 5,357 |
| Net charge-offs to loans | 0.5398% | 2,618 |
| Credit loss provision to net charge-offs | 92.1254% | 3,705 |
| Earnings coverage of net charge-offs (x) | -0.8494% | 5,911 |
| Efficiency ratio | 110.7655% | 417 |
| Assets per employee ($millions) | 8.9161% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,559 |
| Loan loss allowance to noncurrent loans | 48.5878% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.7589% | 2,358 |
| Noncurrent loans to loans | 3.3408% | 2,066 |
| Net loans and leases to total assets | 58.6610% | 4,382 |
| Net loans and leases to deposits | 77.9577% | 3,005 |
| Net loans and leases to core deposits | 116.9913% | 469 |
| Total domestic deposits to total assets | 75.2471% | 6,612 |
| Equity capital to assets | 8.2686% | 6,514 |
| Core capital (leverage) ratio | 8.2559% | 6,047 |
| Tier 1 risk-based capital ratio | 12.5089% | 5,478 |
| Total risk-based capital ratio | 13.7638% | 5,468 |
| Memoranda: | ||
| Average total assets | $533,537,000 | 1,249 |
| Average earning assets | $503,406,250 | 1,204 |
| Average equity | $44,065,500 | 1,542 |
| Average total loans | $323,099,750 | 1,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 4,765 |
| Cost of funding earning assets | 1.1079% | 3,176 |
| Net interest margin | 3.5404% | 4,970 |
| Noninterest income to average assets | 0.0308% | 7,117 |
| Noninterest expense to average assets | 2.7899% | 4,465 |
| Loan and lease loss provision to assets | 0.4033% | 2,415 |
| Net operating income to assets | 0.1120% | 5,986 |
| Return on assets (ROA) | 0.3418% | 5,342 |
| Pretax return on assets | 0.5110% | 5,027 |
| Return on Equity (ROE) | 4.1400% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.1400% | 3,561 |
| Net charge-offs to loans | 0.4598% | 2,741 |
| Credit loss provision to net charge-offs | 144.1019% | 2,123 |
| Earnings coverage of net charge-offs (x) | 2.0416% | 3,835 |
| Efficiency ratio | 83.0003% | 1,955 |
| Assets per employee ($millions) | 8.2269% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 3,171 |
| Loan loss allowance to noncurrent loans | 51.3313% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.8501% | 2,353 |
| Noncurrent loans to loans | 3.3995% | 2,093 |
| Net loans and leases to total assets | 59.0707% | 4,454 |
| Net loans and leases to deposits | 76.6146% | 3,354 |
| Net loans and leases to core deposits | 113.7237% | 585 |
| Total domestic deposits to total assets | 77.1011% | 6,436 |
| Equity capital to assets | 8.4997% | 6,187 |
| Core capital (leverage) ratio | 8.2420% | 5,964 |
| Tier 1 risk-based capital ratio | 12.0677% | 5,731 |
| Total risk-based capital ratio | 13.3232% | 5,695 |
| Memoranda: | ||
| Average total assets | $533,061,330 | 1,255 |
| Average earning assets | $501,471,670 | 1,216 |
| Average equity | $44,009,330 | 1,528 |
| Average total loans | $324,468,670 | 1,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 4,343 |
| Cost of funding earning assets | 1.1424% | 3,211 |
| Net interest margin | 3.5948% | 4,587 |
| Noninterest income to average assets | 0.0744% | 7,016 |
| Noninterest expense to average assets | 2.7680% | 4,575 |
| Loan and lease loss provision to assets | 0.2300% | 3,349 |
| Net operating income to assets | 0.2977% | 5,418 |
| Return on assets (ROA) | 0.3375% | 5,316 |
| Pretax return on assets | 0.5058% | 5,009 |
| Return on Equity (ROE) | 4.1490% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,679 |
| Net charge-offs to loans | -0.0295% | 6,707 |
| Credit loss provision to net charge-offs | -1,275.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3622% | 2,462 |
| Assets per employee ($millions) | 8.6409% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 3,153 |
| Loan loss allowance to noncurrent loans | 48.4794% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.0558% | 2,258 |
| Noncurrent loans to loans | 3.6213% | 2,051 |
| Net loans and leases to total assets | 59.5712% | 4,347 |
| Net loans and leases to deposits | 77.2620% | 3,201 |
| Net loans and leases to core deposits | 114.5799% | 582 |
| Total domestic deposits to total assets | 77.1028% | 6,519 |
| Equity capital to assets | 8.2272% | 6,254 |
| Core capital (leverage) ratio | 7.7695% | 6,493 |
| Tier 1 risk-based capital ratio | 11.9398% | 5,746 |
| Total risk-based capital ratio | 13.1955% | 5,730 |
| Memoranda: | ||
| Average total assets | $532,218,500 | 1,265 |
| Average earning assets | $498,939,500 | 1,233 |
| Average equity | $43,288,000 | 1,542 |
| Average total loans | $325,958,500 | 1,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 4,692 |
| Cost of funding earning assets | 1.3984% | 3,278 |
| Net interest margin | 3.5718% | 4,956 |
| Noninterest income to average assets | -0.0655% | 7,367 |
| Noninterest expense to average assets | 3.0485% | 3,664 |
| Loan and lease loss provision to assets | 0.2991% | 4,411 |
| Net operating income to assets | -0.0824% | 5,964 |
| Return on assets (ROA) | 0.1734% | 5,530 |
| Pretax return on assets | 0.2593% | 5,338 |
| Return on Equity (ROE) | 2.3089% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.3089% | 4,260 |
| Net charge-offs to loans | 0.6078% | 3,215 |
| Credit loss provision to net charge-offs | 83.8355% | 5,393 |
| Earnings coverage of net charge-offs (x) | 0.4955% | 5,616 |
| Efficiency ratio | 94.5194% | 1,035 |
| Assets per employee ($millions) | 8.6668% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 3,617 |
| Loan loss allowance to noncurrent loans | 234.7111% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 4,473 |
| Noncurrent loans to loans | 0.6771% | 5,691 |
| Net loans and leases to total assets | 60.8604% | 4,517 |
| Net loans and leases to deposits | 80.3034% | 3,115 |
| Net loans and leases to core deposits | 110.1512% | 909 |
| Total domestic deposits to total assets | 75.7881% | 6,655 |
| Equity capital to assets | 8.0416% | 6,453 |
| Core capital (leverage) ratio | 7.4199% | 6,767 |
| Tier 1 risk-based capital ratio | 11.5377% | 5,870 |
| Total risk-based capital ratio | 12.7909% | 5,878 |
| Memoranda: | ||
| Average total assets | $586,087,600 | 1,145 |
| Average earning assets | $539,986,000 | 1,124 |
| Average equity | $44,003,400 | 1,516 |
| Average total loans | $344,043,000 | 1,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 5,265 |
| Cost of funding earning assets | 1.4475% | 3,294 |
| Net interest margin | 3.4534% | 5,479 |
| Noninterest income to average assets | -0.1707% | 7,579 |
| Noninterest expense to average assets | 2.8824% | 4,158 |
| Loan and lease loss provision to assets | 0.2960% | 4,209 |
| Net operating income to assets | -0.1493% | 6,246 |
| Return on assets (ROA) | 0.1756% | 5,741 |
| Pretax return on assets | 0.2057% | 5,721 |
| Return on Equity (ROE) | 2.3769% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.3769% | 4,746 |
| Net charge-offs to loans | 0.6621% | 2,771 |
| Credit loss provision to net charge-offs | 77.0749% | 5,223 |
| Earnings coverage of net charge-offs (x) | 0.3111% | 5,716 |
| Efficiency ratio | 96.0208% | 900 |
| Assets per employee ($millions) | 9.1884% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,733 |
| Loan loss allowance to noncurrent loans | 170.4405% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 4,567 |
| Noncurrent loans to loans | 0.9093% | 5,428 |
| Net loans and leases to total assets | 54.7236% | 5,741 |
| Net loans and leases to deposits | 71.1316% | 4,978 |
| Net loans and leases to core deposits | 95.8034% | 2,289 |
| Total domestic deposits to total assets | 76.9329% | 6,494 |
| Equity capital to assets | 7.6678% | 7,023 |
| Core capital (leverage) ratio | 7.2139% | 7,050 |
| Tier 1 risk-based capital ratio | 10.8662% | 6,493 |
| Total risk-based capital ratio | 12.1188% | 6,468 |
| Memoranda: | ||
| Average total assets | $598,273,750 | 1,130 |
| Average earning assets | $549,632,500 | 1,109 |
| Average equity | $44,201,500 | 1,515 |
| Average total loans | $346,976,250 | 1,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 4,825 |
| Cost of funding earning assets | 1.5323% | 3,057 |
| Net interest margin | 3.4927% | 5,277 |
| Noninterest income to average assets | -0.1733% | 7,671 |
| Noninterest expense to average assets | 2.9032% | 4,065 |
| Loan and lease loss provision to assets | 0.3190% | 3,829 |
| Net operating income to assets | -0.1556% | 6,295 |
| Return on assets (ROA) | 0.1538% | 5,831 |
| Pretax return on assets | 0.1773% | 5,825 |
| Return on Equity (ROE) | 2.1089% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.1089% | 4,804 |
| Net charge-offs to loans | 0.7800% | 2,296 |
| Credit loss provision to net charge-offs | 69.5461% | 4,978 |
| Earnings coverage of net charge-offs (x) | 0.3067% | 5,419 |
| Efficiency ratio | 95.3773% | 993 |
| Assets per employee ($millions) | 8.3591% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,815 |
| Loan loss allowance to noncurrent loans | 147.1021% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7626% | 3,814 |
| Noncurrent loans to loans | 1.0339% | 5,240 |
| Net loans and leases to total assets | 54.4620% | 5,921 |
| Net loans and leases to deposits | 69.2211% | 5,384 |
| Net loans and leases to core deposits | 91.0156% | 3,121 |
| Total domestic deposits to total assets | 78.6783% | 6,113 |
| Equity capital to assets | 7.2836% | 7,235 |
| Core capital (leverage) ratio | 6.9272% | 7,230 |
| Tier 1 risk-based capital ratio | 10.4378% | 6,729 |
| Total risk-based capital ratio | 11.6896% | 6,713 |
| Memoranda: | ||
| Average total assets | $595,553,330 | 1,139 |
| Average earning assets | $548,576,330 | 1,108 |
| Average equity | $43,435,330 | 1,526 |
| Average total loans | $350,272,670 | 1,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 4,002 |
| Cost of funding earning assets | 1.6553% | 2,622 |
| Net interest margin | 3.5469% | 4,959 |
| Noninterest income to average assets | 0.0034% | 7,646 |
| Noninterest expense to average assets | 3.0915% | 3,301 |
| Loan and lease loss provision to assets | 0.1883% | 4,615 |
| Net operating income to assets | -0.0147% | 6,325 |
| Return on assets (ROA) | 0.1308% | 6,045 |
| Pretax return on assets | 0.1582% | 5,998 |
| Return on Equity (ROE) | 1.7923% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.7923% | 5,040 |
| Net charge-offs to loans | 0.1772% | 3,858 |
| Credit loss provision to net charge-offs | 175.1592% | 2,078 |
| Earnings coverage of net charge-offs (x) | 1.5924% | 3,769 |
| Efficiency ratio | 94.7523% | 1,095 |
| Assets per employee ($millions) | 7.9027% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 3,245 |
| Loan loss allowance to noncurrent loans | 132.4025% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1432% | 3,332 |
| Noncurrent loans to loans | 1.2474% | 4,891 |
| Net loans and leases to total assets | 57.6393% | 5,504 |
| Net loans and leases to deposits | 75.2333% | 4,541 |
| Net loans and leases to core deposits | 107.5790% | 1,454 |
| Total domestic deposits to total assets | 76.6140% | 6,637 |
| Equity capital to assets | 7.2146% | 7,275 |
| Core capital (leverage) ratio | 7.2237% | 7,088 |
| Tier 1 risk-based capital ratio | 10.6590% | 6,480 |
| Total risk-based capital ratio | 11.9117% | 6,468 |
| Memoranda: | ||
| Average total assets | $584,044,500 | 1,187 |
| Average earning assets | $536,688,000 | 1,177 |
| Average equity | $42,626,000 | 1,571 |
| Average total loans | $354,364,500 | 1,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 5,436 |
| Cost of funding earning assets | 2.2592% | 1,805 |
| Net interest margin | 2.9862% | 6,680 |
| Noninterest income to average assets | 0.1639% | 6,903 |
| Noninterest expense to average assets | 3.3896% | 2,716 |
| Loan and lease loss provision to assets | 0.4928% | 3,911 |
| Net operating income to assets | -0.6967% | 6,362 |
| Return on assets (ROA) | -0.6458% | 6,312 |
| Pretax return on assets | -0.9290% | 6,366 |
| Return on Equity (ROE) | -8.6742% | 6,519 |
| Retained earnings to average equity (ytd only) | -8.6742% | 6,408 |
| Net charge-offs to loans | 0.8640% | 2,672 |
| Credit loss provision to net charge-offs | 95.7787% | 5,785 |
| Earnings coverage of net charge-offs (x) | -1.1154% | 6,904 |
| Efficiency ratio | 117.9279% | 646 |
| Assets per employee ($millions) | 7.1035% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 3,456 |
| Loan loss allowance to noncurrent loans | 127.9080% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 2.1321% | 3,232 |
| Noncurrent loans to loans | 1.2157% | 4,921 |
| Net loans and leases to total assets | 61.8269% | 5,027 |
| Net loans and leases to deposits | 82.2849% | 3,576 |
| Net loans and leases to core deposits | 95.3206% | 4,535 |
| Total domestic deposits to total assets | 75.1376% | 6,841 |
| Equity capital to assets | 7.3848% | 7,132 |
| Core capital (leverage) ratio | 7.2023% | 7,068 |
| Tier 1 risk-based capital ratio | 10.5166% | 6,383 |
| Total risk-based capital ratio | 11.7684% | 6,353 |
| Memoranda: | ||
| Average total assets | $607,764,400 | 1,141 |
| Average earning assets | $539,713,200 | 1,171 |
| Average equity | $45,249,000 | 1,484 |
| Average total loans | $361,910,600 | 1,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 5,717 |
| Cost of funding earning assets | 2.3466% | 1,823 |
| Net interest margin | 2.8956% | 6,872 |
| Noninterest income to average assets | 0.5995% | 3,715 |
| Noninterest expense to average assets | 3.3886% | 2,614 |
| Loan and lease loss provision to assets | 0.5835% | 3,052 |
| Net operating income to assets | -0.5338% | 6,464 |
| Return on assets (ROA) | -0.3410% | 6,266 |
| Pretax return on assets | -0.5263% | 6,329 |
| Return on Equity (ROE) | -4.5712% | 6,406 |
| Retained earnings to average equity (ytd only) | -4.5712% | 6,199 |
| Net charge-offs to loans | 1.1604% | 1,747 |
| Credit loss provision to net charge-offs | 85.5284% | 5,609 |
| Earnings coverage of net charge-offs (x) | -0.3510% | 6,388 |
| Efficiency ratio | 105.4379% | 872 |
| Assets per employee ($millions) | 5.9334% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 3,514 |
| Loan loss allowance to noncurrent loans | 123.8017% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2185% | 3,072 |
| Noncurrent loans to loans | 1.2011% | 4,939 |
| Net loans and leases to total assets | 55.2540% | 6,236 |
| Net loans and leases to deposits | 69.8517% | 5,935 |
| Net loans and leases to core deposits | 78.2600% | 6,463 |
| Total domestic deposits to total assets | 79.1019% | 5,764 |
| Equity capital to assets | 7.1865% | 7,496 |
| Core capital (leverage) ratio | 6.6314% | 7,616 |
| Tier 1 risk-based capital ratio | 9.8117% | 7,129 |
| Total risk-based capital ratio | 11.0626% | 7,093 |
| Memoranda: | ||
| Average total assets | $615,858,750 | 1,141 |
| Average earning assets | $542,281,750 | 1,178 |
| Average equity | $45,938,500 | 1,490 |
| Average total loans | $362,047,500 | 1,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 5,518 |
| Cost of funding earning assets | 2.4394% | 1,817 |
| Net interest margin | 2.8879% | 6,830 |
| Noninterest income to average assets | 0.6461% | 3,374 |
| Noninterest expense to average assets | 3.3978% | 2,642 |
| Loan and lease loss provision to assets | 0.4180% | 3,445 |
| Net operating income to assets | -0.4311% | 6,476 |
| Return on assets (ROA) | -0.2471% | 6,271 |
| Pretax return on assets | -0.3803% | 6,303 |
| Return on Equity (ROE) | -3.2709% | 6,398 |
| Retained earnings to average equity (ytd only) | -3.2709% | 6,016 |
| Net charge-offs to loans | 0.9955% | 1,771 |
| Credit loss provision to net charge-offs | 70.3091% | 5,411 |
| Earnings coverage of net charge-offs (x) | -0.4128% | 6,023 |
| Efficiency ratio | 105.6001% | 978 |
| Assets per employee ($millions) | 5.8992% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 3,391 |
| Loan loss allowance to noncurrent loans | 87.8497% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.4524% | 2,632 |
| Noncurrent loans to loans | 1.6676% | 3,992 |
| Net loans and leases to total assets | 54.5297% | 6,375 |
| Net loans and leases to deposits | 67.8750% | 6,208 |
| Net loans and leases to core deposits | 75.3275% | 6,715 |
| Total domestic deposits to total assets | 80.3384% | 5,339 |
| Equity capital to assets | 7.0612% | 7,571 |
| Core capital (leverage) ratio | 6.7004% | 7,701 |
| Tier 1 risk-based capital ratio | 9.8562% | 7,081 |
| Total risk-based capital ratio | 11.1065% | 7,011 |
| Memoranda: | ||
| Average total assets | $609,520,000 | 1,172 |
| Average earning assets | $528,973,670 | 1,228 |
| Average equity | $46,043,000 | 1,494 |
| Average total loans | $364,033,670 | 1,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 5,606 |
| Cost of funding earning assets | 2.5340% | 1,787 |
| Net interest margin | 2.8279% | 6,929 |
| Noninterest income to average assets | 0.4818% | 4,488 |
| Noninterest expense to average assets | 3.3692% | 2,448 |
| Loan and lease loss provision to assets | 0.3873% | 3,003 |
| Net operating income to assets | -0.4965% | 6,869 |
| Return on assets (ROA) | -0.2382% | 6,681 |
| Pretax return on assets | -0.3644% | 6,719 |
| Return on Equity (ROE) | -3.0456% | 6,786 |
| Retained earnings to average equity (ytd only) | -3.0456% | 6,289 |
| Net charge-offs to loans | 1.1952% | 1,162 |
| Credit loss provision to net charge-offs | 52.1818% | 4,640 |
| Earnings coverage of net charge-offs (x) | -0.5045% | 5,251 |
| Efficiency ratio | 110.1397% | 808 |
| Assets per employee ($millions) | 5.6280% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,406 |
| Loan loss allowance to noncurrent loans | 225.5071% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 1.9826% | 2,931 |
| Noncurrent loans to loans | 0.6287% | 5,828 |
| Net loans and leases to total assets | 59.2247% | 5,779 |
| Net loans and leases to deposits | 78.0876% | 4,909 |
| Net loans and leases to core deposits | 86.6233% | 5,860 |
| Total domestic deposits to total assets | 75.8439% | 6,540 |
| Equity capital to assets | 7.5312% | 7,325 |
| Core capital (leverage) ratio | 6.9197% | 7,682 |
| Tier 1 risk-based capital ratio | 9.7886% | 7,152 |
| Total risk-based capital ratio | 11.0388% | 7,059 |
| Memoranda: | ||
| Average total assets | $592,774,500 | 1,204 |
| Average earning assets | $526,751,000 | 1,233 |
| Average equity | $46,362,500 | 1,495 |
| Average total loans | $368,128,000 | 1,369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7935% | 6,455 |
| Cost of funding earning assets | 3.2209% | 1,127 |
| Net interest margin | 2.5726% | 7,671 |
| Noninterest income to average assets | 0.2824% | 6,444 |
| Noninterest expense to average assets | 4.0684% | 1,326 |
| Loan and lease loss provision to assets | 0.8475% | 1,761 |
| Net operating income to assets | -1.5158% | 7,471 |
| Return on assets (ROA) | -1.5212% | 7,419 |
| Pretax return on assets | -2.3420% | 7,543 |
| Return on Equity (ROE) | -16.6737% | 7,656 |
| Retained earnings to average equity (ytd only) | -16.6737% | 7,555 |
| Net charge-offs to loans | 1.4220% | 826 |
| Credit loss provision to net charge-offs | 87.7415% | 5,728 |
| Earnings coverage of net charge-offs (x) | -1.5386% | 6,668 |
| Efficiency ratio | 153.1369% | 331 |
| Assets per employee ($millions) | 5.3467% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,381 |
| Loan loss allowance to noncurrent loans | 161.7267% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 2.6752% | 1,775 |
| Noncurrent loans to loans | 0.9670% | 4,664 |
| Net loans and leases to total assets | 63.2698% | 5,407 |
| Net loans and leases to deposits | 84.3701% | 4,371 |
| Net loans and leases to core deposits | 92.1627% | 5,622 |
| Total domestic deposits to total assets | 74.9908% | 6,453 |
| Equity capital to assets | 8.1323% | 6,654 |
| Core capital (leverage) ratio | 7.4187% | 7,292 |
| Tier 1 risk-based capital ratio | 9.4852% | 7,322 |
| Total risk-based capital ratio | 10.7363% | 7,242 |
| Memoranda: | ||
| Average total assets | $557,391,600 | 1,219 |
| Average earning assets | $498,280,600 | 1,241 |
| Average equity | $50,852,400 | 1,330 |
| Average total loans | $378,631,400 | 1,282 |