Home > American Security Bank and Trust Company > Performance and Condition Ratios
American Security Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.2089% | 4,919 |
| Cost of funding earning assets | 1.3742% | 386 |
| Net interest margin | 2.8348% | 6,526 |
| Noninterest income to average assets | 0.0634% | 6,813 |
| Noninterest expense to average assets | 3.8357% | 1,157 |
| Loan and lease loss provision to assets | -0.0287% | 7,052 |
| Net operating income to assets | -1.0781% | 6,931 |
| Return on assets (ROA) | -1.0770% | 6,948 |
| Pretax return on assets | -1.0770% | 6,920 |
| Return on Equity (ROE) | -9.6370% | 6,902 |
| Retained earnings to average equity (ytd only) | -9.6370% | 6,829 |
| Net charge-offs to loans | -0.0448% | 6,635 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.5607% | 120 |
| Assets per employee ($millions) | 7.2146% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 3,461 |
| Loan loss allowance to noncurrent loans | 71.7337% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.9427% | 1,874 |
| Noncurrent loans to loans | 2.2856% | 2,634 |
| Net loans and leases to total assets | 61.9309% | 3,456 |
| Net loans and leases to deposits | 71.0419% | 3,760 |
| Net loans and leases to core deposits | 87.6042% | 2,249 |
| Total domestic deposits to total assets | 87.1751% | 2,671 |
| Equity capital to assets | 10.8844% | 3,248 |
| Core capital (leverage) ratio | 10.6628% | 2,647 |
| Tier 1 risk-based capital ratio | 15.4664% | 3,467 |
| Total risk-based capital ratio | 16.7189% | 3,430 |
| Memoranda: | ||
| Average total assets | $167,324,330 | 3,545 |
| Average earning assets | $157,332,670 | 3,475 |
| Average equity | $18,698,670 | 3,399 |
| Average total loans | $107,118,330 | 3,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 4,534 |
| Cost of funding earning assets | 1.3959% | 435 |
| Net interest margin | 2.9491% | 6,390 |
| Noninterest income to average assets | 0.0167% | 7,058 |
| Noninterest expense to average assets | 2.7830% | 4,112 |
| Loan and lease loss provision to assets | -0.0571% | 7,149 |
| Net operating income to assets | 0.0571% | 6,321 |
| Return on assets (ROA) | 0.0571% | 6,438 |
| Pretax return on assets | 0.0571% | 6,447 |
| Return on Equity (ROE) | 0.5048% | 6,439 |
| Retained earnings to average equity (ytd only) | 0.5048% | 5,839 |
| Net charge-offs to loans | -0.0738% | 6,685 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 551 |
| Assets per employee ($millions) | 6.9645% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 3,806 |
| Loan loss allowance to noncurrent loans | 235.0757% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 3,042 |
| Noncurrent loans to loans | 0.6719% | 5,310 |
| Net loans and leases to total assets | 63.7108% | 2,909 |
| Net loans and leases to deposits | 73.0633% | 3,264 |
| Net loans and leases to core deposits | 89.7682% | 1,870 |
| Total domestic deposits to total assets | 87.1994% | 2,827 |
| Equity capital to assets | 11.4395% | 2,493 |
| Core capital (leverage) ratio | 11.4083% | 1,955 |
| Tier 1 risk-based capital ratio | 15.6852% | 3,342 |
| Total risk-based capital ratio | 16.9369% | 3,316 |
| Memoranda: | ||
| Average total assets | $168,019,000 | 3,554 |
| Average earning assets | $157,609,500 | 3,476 |
| Average equity | $19,017,500 | 3,347 |
| Average total loans | $108,438,500 | 3,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 5,005 |
| Cost of funding earning assets | 1.6121% | 456 |
| Net interest margin | 2.9041% | 6,681 |
| Noninterest income to average assets | 0.0012% | 6,978 |
| Noninterest expense to average assets | 2.9359% | 3,818 |
| Loan and lease loss provision to assets | 0.1697% | 4,520 |
| Net operating income to assets | -0.3830% | 6,401 |
| Return on assets (ROA) | -0.3197% | 6,410 |
| Pretax return on assets | -0.3197% | 6,363 |
| Return on Equity (ROE) | -2.8070% | 6,392 |
| Retained earnings to average equity (ytd only) | -2.8070% | 6,244 |
| Net charge-offs to loans | 0.5038% | 2,978 |
| Credit loss provision to net charge-offs | 51.8248% | 5,388 |
| Earnings coverage of net charge-offs (x) | -0.6515% | 6,134 |
| Efficiency ratio | 107.8358% | 479 |
| Assets per employee ($millions) | 6.4957% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 3,671 |
| Loan loss allowance to noncurrent loans | 235.6259% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 3,116 |
| Noncurrent loans to loans | 0.6690% | 5,363 |
| Net loans and leases to total assets | 63.3333% | 3,327 |
| Net loans and leases to deposits | 72.4672% | 3,734 |
| Net loans and leases to core deposits | 91.5105% | 1,941 |
| Total domestic deposits to total assets | 87.3959% | 2,528 |
| Equity capital to assets | 11.1991% | 2,796 |
| Core capital (leverage) ratio | 11.4290% | 1,942 |
| Tier 1 risk-based capital ratio | 15.7534% | 3,188 |
| Total risk-based capital ratio | 17.0053% | 3,148 |
| Memoranda: | ||
| Average total assets | $167,344,600 | 3,531 |
| Average earning assets | $156,813,200 | 3,457 |
| Average equity | $19,059,600 | 3,269 |
| Average total loans | $108,780,000 | 3,408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 5,216 |
| Cost of funding earning assets | 1.6491% | 477 |
| Net interest margin | 2.8671% | 6,805 |
| Noninterest income to average assets | 0.0399% | 6,986 |
| Noninterest expense to average assets | 2.9779% | 3,642 |
| Loan and lease loss provision to assets | 0.2987% | 3,140 |
| Net operating income to assets | -0.5542% | 6,664 |
| Return on assets (ROA) | -0.4696% | 6,669 |
| Pretax return on assets | -0.4696% | 6,602 |
| Return on Equity (ROE) | -4.1055% | 6,635 |
| Retained earnings to average equity (ytd only) | -4.1055% | 6,523 |
| Net charge-offs to loans | 0.7401% | 2,083 |
| Credit loss provision to net charge-offs | 61.9205% | 4,748 |
| Earnings coverage of net charge-offs (x) | -0.5298% | 5,843 |
| Efficiency ratio | 109.3869% | 439 |
| Assets per employee ($millions) | 6.6258% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 3,670 |
| Loan loss allowance to noncurrent loans | 63.3200% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.9328% | 2,194 |
| Noncurrent loans to loans | 2.5266% | 2,743 |
| Net loans and leases to total assets | 64.8679% | 3,138 |
| Net loans and leases to deposits | 74.4445% | 3,594 |
| Net loans and leases to core deposits | 95.0902% | 1,688 |
| Total domestic deposits to total assets | 87.1358% | 2,560 |
| Equity capital to assets | 11.4461% | 2,736 |
| Core capital (leverage) ratio | 11.7323% | 1,869 |
| Tier 1 risk-based capital ratio | 15.5241% | 3,371 |
| Total risk-based capital ratio | 16.7764% | 3,333 |
| Memoranda: | ||
| Average total assets | $166,958,500 | 3,562 |
| Average earning assets | $156,206,750 | 3,498 |
| Average equity | $19,096,000 | 3,267 |
| Average total loans | $108,806,000 | 3,442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 5,309 |
| Cost of funding earning assets | 1.6768% | 512 |
| Net interest margin | 2.8379% | 6,879 |
| Noninterest income to average assets | 0.1266% | 6,694 |
| Noninterest expense to average assets | 3.1984% | 2,906 |
| Loan and lease loss provision to assets | 0.2987% | 3,014 |
| Net operating income to assets | -0.7073% | 6,821 |
| Return on assets (ROA) | -0.7037% | 6,827 |
| Pretax return on assets | -0.7037% | 6,774 |
| Return on Equity (ROE) | -6.1542% | 6,790 |
| Retained earnings to average equity (ytd only) | -6.1542% | 6,668 |
| Net charge-offs to loans | 0.9459% | 1,651 |
| Credit loss provision to net charge-offs | 48.6381% | 4,616 |
| Earnings coverage of net charge-offs (x) | -0.6654% | 5,571 |
| Efficiency ratio | 114.6467% | 403 |
| Assets per employee ($millions) | 5.7345% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,614 |
| Loan loss allowance to noncurrent loans | 109.3172% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3455% | 2,809 |
| Noncurrent loans to loans | 1.4833% | 4,201 |
| Net loans and leases to total assets | 64.7279% | 3,315 |
| Net loans and leases to deposits | 74.7770% | 3,678 |
| Net loans and leases to core deposits | 94.0756% | 1,886 |
| Total domestic deposits to total assets | 86.5613% | 3,004 |
| Equity capital to assets | 11.9814% | 2,104 |
| Core capital (leverage) ratio | 11.5967% | 1,845 |
| Tier 1 risk-based capital ratio | 16.0069% | 2,973 |
| Total risk-based capital ratio | 17.2597% | 2,936 |
| Memoranda: | ||
| Average total assets | $167,396,000 | 3,580 |
| Average earning assets | $157,086,000 | 3,502 |
| Average equity | $19,141,330 | 3,255 |
| Average total loans | $108,675,330 | 3,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 5,407 |
| Cost of funding earning assets | 1.7157% | 519 |
| Net interest margin | 2.7630% | 6,959 |
| Noninterest income to average assets | 0.1218% | 6,806 |
| Noninterest expense to average assets | 3.2878% | 2,603 |
| Loan and lease loss provision to assets | 0.4637% | 1,902 |
| Net operating income to assets | -1.0351% | 7,056 |
| Return on assets (ROA) | -1.0304% | 7,061 |
| Pretax return on assets | -1.0304% | 7,011 |
| Return on Equity (ROE) | -9.2180% | 7,001 |
| Retained earnings to average equity (ytd only) | -9.2180% | 6,827 |
| Net charge-offs to loans | 0.8131% | 1,605 |
| Credit loss provision to net charge-offs | 88.3929% | 2,964 |
| Earnings coverage of net charge-offs (x) | -1.0893% | 4,903 |
| Efficiency ratio | 121.0345% | 333 |
| Assets per employee ($millions) | 6.4751% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 2,834 |
| Loan loss allowance to noncurrent loans | 190.7136% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1514% | 3,127 |
| Noncurrent loans to loans | 0.9736% | 5,096 |
| Net loans and leases to total assets | 61.2558% | 4,022 |
| Net loans and leases to deposits | 70.1118% | 4,330 |
| Net loans and leases to core deposits | 90.0255% | 2,339 |
| Total domestic deposits to total assets | 87.3688% | 2,726 |
| Equity capital to assets | 11.2270% | 2,481 |
| Core capital (leverage) ratio | 11.1405% | 2,080 |
| Tier 1 risk-based capital ratio | 15.6966% | 3,057 |
| Total risk-based capital ratio | 16.9507% | 3,014 |
| Memoranda: | ||
| Average total assets | $170,811,000 | 3,545 |
| Average earning assets | $160,403,000 | 3,455 |
| Average equity | $19,093,000 | 3,245 |
| Average total loans | $110,191,000 | 3,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 5,706 |
| Cost of funding earning assets | 2.0550% | 500 |
| Net interest margin | 2.6711% | 7,147 |
| Noninterest income to average assets | 0.1981% | 6,357 |
| Noninterest expense to average assets | 3.0611% | 3,625 |
| Loan and lease loss provision to assets | 0.9810% | 1,648 |
| Net operating income to assets | -1.3590% | 6,857 |
| Return on assets (ROA) | -1.1125% | 6,770 |
| Pretax return on assets | -1.1125% | 6,700 |
| Return on Equity (ROE) | -9.1418% | 6,684 |
| Retained earnings to average equity (ytd only) | -9.1418% | 6,604 |
| Net charge-offs to loans | 1.6939% | 1,283 |
| Credit loss provision to net charge-offs | 82.8318% | 5,453 |
| Earnings coverage of net charge-offs (x) | -0.3192% | 6,367 |
| Efficiency ratio | 114.0897% | 474 |
| Assets per employee ($millions) | 5.9748% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,160 |
| Loan loss allowance to noncurrent loans | 57.1883% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 3.4951% | 1,982 |
| Noncurrent loans to loans | 2.9981% | 2,555 |
| Net loans and leases to total assets | 65.4058% | 3,576 |
| Net loans and leases to deposits | 77.4151% | 3,604 |
| Net loans and leases to core deposits | 101.8853% | 1,465 |
| Total domestic deposits to total assets | 84.4871% | 4,116 |
| Equity capital to assets | 11.1301% | 2,566 |
| Core capital (leverage) ratio | 11.1165% | 2,074 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,392 |
| Total risk-based capital ratio | 16.0112% | 3,347 |
| Memoranda: | ||
| Average total assets | $171,149,400 | 3,515 |
| Average earning assets | $159,223,400 | 3,466 |
| Average equity | $20,827,400 | 3,034 |
| Average total loans | $119,662,400 | 3,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 5,878 |
| Cost of funding earning assets | 2.1084% | 524 |
| Net interest margin | 2.6351% | 7,289 |
| Noninterest income to average assets | 0.0359% | 7,341 |
| Noninterest expense to average assets | 2.7991% | 4,494 |
| Loan and lease loss provision to assets | 0.7603% | 2,014 |
| Net operating income to assets | -1.0800% | 6,937 |
| Return on assets (ROA) | -0.7502% | 6,800 |
| Pretax return on assets | -0.7502% | 6,705 |
| Return on Equity (ROE) | -6.0339% | 6,718 |
| Retained earnings to average equity (ytd only) | -6.0339% | 6,634 |
| Net charge-offs to loans | 2.0471% | 914 |
| Credit loss provision to net charge-offs | 52.4811% | 5,848 |
| Earnings coverage of net charge-offs (x) | -0.2206% | 6,185 |
| Efficiency ratio | 112.8900% | 480 |
| Assets per employee ($millions) | 6.2574% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,223 |
| Loan loss allowance to noncurrent loans | 41.2100% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 3.5198% | 2,023 |
| Noncurrent loans to loans | 3.0354% | 2,628 |
| Net loans and leases to total assets | 65.0613% | 3,898 |
| Net loans and leases to deposits | 80.2885% | 3,394 |
| Net loans and leases to core deposits | 103.4401% | 1,533 |
| Total domestic deposits to total assets | 81.0344% | 5,350 |
| Equity capital to assets | 11.6554% | 2,403 |
| Core capital (leverage) ratio | 11.9474% | 1,704 |
| Tier 1 risk-based capital ratio | 15.3056% | 3,099 |
| Total risk-based capital ratio | 16.3946% | 3,159 |
| Memoranda: | ||
| Average total assets | $170,619,500 | 3,567 |
| Average earning assets | $158,217,250 | 3,529 |
| Average equity | $21,213,000 | 3,020 |
| Average total loans | $120,751,750 | 3,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 5,886 |
| Cost of funding earning assets | 2.1398% | 575 |
| Net interest margin | 2.6329% | 7,319 |
| Noninterest income to average assets | 0.0449% | 7,355 |
| Noninterest expense to average assets | 2.7879% | 4,545 |
| Loan and lease loss provision to assets | 0.3359% | 3,719 |
| Net operating income to assets | -0.6411% | 6,769 |
| Return on assets (ROA) | -0.2425% | 6,446 |
| Pretax return on assets | -0.2425% | 6,366 |
| Return on Equity (ROE) | -1.9090% | 6,410 |
| Retained earnings to average equity (ytd only) | -1.9090% | 6,132 |
| Net charge-offs to loans | 1.2340% | 1,547 |
| Credit loss provision to net charge-offs | 37.5661% | 5,642 |
| Earnings coverage of net charge-offs (x) | -0.3413% | 5,944 |
| Efficiency ratio | 112.2916% | 510 |
| Assets per employee ($millions) | 5.6129% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,908 |
| Loan loss allowance to noncurrent loans | 39.3418% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 4.7017% | 1,376 |
| Noncurrent loans to loans | 3.8238% | 2,013 |
| Net loans and leases to total assets | 72.0499% | 2,384 |
| Net loans and leases to deposits | 90.2163% | 1,818 |
| Net loans and leases to core deposits | 119.1265% | 724 |
| Total domestic deposits to total assets | 79.8635% | 5,768 |
| Equity capital to assets | 12.6062% | 1,736 |
| Core capital (leverage) ratio | 12.3217% | 1,488 |
| Tier 1 risk-based capital ratio | 15.5202% | 2,884 |
| Total risk-based capital ratio | 16.7718% | 2,854 |
| Memoranda: | ||
| Average total assets | $169,090,330 | 3,614 |
| Average earning assets | $156,556,330 | 3,585 |
| Average equity | $21,477,000 | 2,979 |
| Average total loans | $122,523,670 | 3,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 5,944 |
| Cost of funding earning assets | 2.0975% | 816 |
| Net interest margin | 2.6876% | 7,314 |
| Noninterest income to average assets | 0.0803% | 7,300 |
| Noninterest expense to average assets | 2.7738% | 4,587 |
| Loan and lease loss provision to assets | 0.2243% | 4,249 |
| Net operating income to assets | -0.4344% | 6,789 |
| Return on assets (ROA) | -0.2786% | 6,699 |
| Pretax return on assets | -0.2786% | 6,616 |
| Return on Equity (ROE) | -2.1850% | 6,658 |
| Retained earnings to average equity (ytd only) | -2.1850% | 6,239 |
| Net charge-offs to loans | 1.4206% | 1,217 |
| Credit loss provision to net charge-offs | 21.8894% | 4,926 |
| Earnings coverage of net charge-offs (x) | -0.2051% | 5,164 |
| Efficiency ratio | 108.1952% | 637 |
| Assets per employee ($millions) | 6.1292% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 3,275 |
| Loan loss allowance to noncurrent loans | 35.4706% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 5.1498% | 1,231 |
| Noncurrent loans to loans | 4.6365% | 1,601 |
| Net loans and leases to total assets | 69.2078% | 3,111 |
| Net loans and leases to deposits | 89.1555% | 2,041 |
| Net loans and leases to core deposits | 130.8303% | 470 |
| Total domestic deposits to total assets | 77.6259% | 6,422 |
| Equity capital to assets | 12.5371% | 1,735 |
| Core capital (leverage) ratio | 12.7304% | 1,313 |
| Tier 1 risk-based capital ratio | 15.4382% | 2,900 |
| Total risk-based capital ratio | 16.6908% | 2,845 |
| Memoranda: | ||
| Average total assets | $169,442,500 | 3,668 |
| Average earning assets | $156,569,000 | 3,634 |
| Average equity | $21,602,000 | 2,990 |
| Average total loans | $122,198,000 | 3,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 6,357 |
| Cost of funding earning assets | 2.4296% | 1,213 |
| Net interest margin | 2.5940% | 7,340 |
| Noninterest income to average assets | -0.1765% | 7,848 |
| Noninterest expense to average assets | 2.7327% | 5,234 |
| Loan and lease loss provision to assets | 1.1346% | 2,010 |
| Net operating income to assets | -1.6247% | 6,920 |
| Return on assets (ROA) | -1.1115% | 6,658 |
| Pretax return on assets | -1.1115% | 6,482 |
| Return on Equity (ROE) | -8.4010% | 6,501 |
| Retained earnings to average equity (ytd only) | -8.4010% | 6,385 |
| Net charge-offs to loans | 1.1201% | 2,191 |
| Credit loss provision to net charge-offs | 140.9777% | 3,443 |
| Earnings coverage of net charge-offs (x) | -0.6089% | 6,760 |
| Efficiency ratio | 121.8524% | 579 |
| Assets per employee ($millions) | 5.9738% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 2,310 |
| Loan loss allowance to noncurrent loans | 32.9227% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 5.5935% | 1,045 |
| Noncurrent loans to loans | 5.7119% | 1,116 |
| Net loans and leases to total assets | 72.5260% | 2,629 |
| Net loans and leases to deposits | 94.3123% | 1,557 |
| Net loans and leases to core deposits | 181.2033% | 157 |
| Total domestic deposits to total assets | 76.8998% | 6,506 |
| Equity capital to assets | 12.9661% | 1,521 |
| Core capital (leverage) ratio | 12.8561% | 1,294 |
| Tier 1 risk-based capital ratio | 15.4870% | 2,721 |
| Total risk-based capital ratio | 16.7423% | 2,673 |
| Memoranda: | ||
| Average total assets | $172,835,400 | 3,558 |
| Average earning assets | $161,181,000 | 3,497 |
| Average equity | $22,866,200 | 2,844 |
| Average total loans | $124,183,600 | 3,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 6,539 |
| Cost of funding earning assets | 2.5010% | 1,296 |
| Net interest margin | 2.5223% | 7,436 |
| Noninterest income to average assets | -0.0788% | 7,914 |
| Noninterest expense to average assets | 2.7067% | 5,294 |
| Loan and lease loss provision to assets | 0.9933% | 1,930 |
| Net operating income to assets | -1.4157% | 7,070 |
| Return on assets (ROA) | -0.9367% | 6,794 |
| Pretax return on assets | -0.9367% | 6,635 |
| Return on Equity (ROE) | -7.0462% | 6,665 |
| Retained earnings to average equity (ytd only) | -7.0462% | 6,512 |
| Net charge-offs to loans | 1.0339% | 1,908 |
| Credit loss provision to net charge-offs | 134.6473% | 3,691 |
| Earnings coverage of net charge-offs (x) | -0.5726% | 6,503 |
| Efficiency ratio | 118.4925% | 614 |
| Assets per employee ($millions) | 6.3747% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 2,703 |
| Loan loss allowance to noncurrent loans | 38.5353% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 4.5509% | 1,335 |
| Noncurrent loans to loans | 4.3564% | 1,633 |
| Net loans and leases to total assets | 71.0838% | 3,250 |
| Net loans and leases to deposits | 92.2928% | 2,190 |
| Net loans and leases to core deposits | 173.5014% | 237 |
| Total domestic deposits to total assets | 77.0198% | 6,332 |
| Equity capital to assets | 13.0753% | 1,667 |
| Core capital (leverage) ratio | 12.7431% | 1,479 |
| Tier 1 risk-based capital ratio | 15.5533% | 2,790 |
| Total risk-based capital ratio | 16.8063% | 2,729 |
| Memoranda: | ||
| Average total assets | $174,227,500 | 3,548 |
| Average earning assets | $163,234,500 | 3,490 |
| Average equity | $23,160,750 | 2,837 |
| Average total loans | $124,320,250 | 3,420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 6,614 |
| Cost of funding earning assets | 2.5482% | 1,458 |
| Net interest margin | 2.5032% | 7,475 |
| Noninterest income to average assets | -0.1589% | 8,053 |
| Noninterest expense to average assets | 2.7051% | 5,366 |
| Loan and lease loss provision to assets | 1.3640% | 1,266 |
| Net operating income to assets | -1.8750% | 7,394 |
| Return on assets (ROA) | -1.3983% | 7,207 |
| Pretax return on assets | -1.3983% | 7,036 |
| Return on Equity (ROE) | -10.4622% | 7,073 |
| Retained earnings to average equity (ytd only) | -10.4622% | 6,923 |
| Net charge-offs to loans | 0.8561% | 1,978 |
| Credit loss provision to net charge-offs | 224.2481% | 2,054 |
| Earnings coverage of net charge-offs (x) | -0.8402% | 6,192 |
| Efficiency ratio | 123.2934% | 615 |
| Assets per employee ($millions) | 6.1992% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 1,771 |
| Loan loss allowance to noncurrent loans | 90.6907% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.0764% | 3,094 |
| Noncurrent loans to loans | 2.1053% | 3,372 |
| Net loans and leases to total assets | 69.0401% | 3,936 |
| Net loans and leases to deposits | 88.9372% | 3,002 |
| Net loans and leases to core deposits | 182.3643% | 200 |
| Total domestic deposits to total assets | 77.6280% | 6,170 |
| Equity capital to assets | 12.4392% | 1,953 |
| Core capital (leverage) ratio | 12.6925% | 1,540 |
| Tier 1 risk-based capital ratio | 15.2015% | 2,935 |
| Total risk-based capital ratio | 16.4567% | 2,866 |
| Memoranda: | ||
| Average total assets | $174,930,670 | 3,555 |
| Average earning assets | $164,430,000 | 3,483 |
| Average equity | $23,379,330 | 2,827 |
| Average total loans | $124,281,330 | 3,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 6,055 |
| Cost of funding earning assets | 2.6598% | 1,376 |
| Net interest margin | 2.6030% | 7,365 |
| Noninterest income to average assets | 0.1994% | 6,865 |
| Noninterest expense to average assets | 2.6318% | 5,314 |
| Loan and lease loss provision to assets | 0.2945% | 3,592 |
| Net operating income to assets | -0.2829% | 6,658 |
| Return on assets (ROA) | 0.2064% | 5,804 |
| Pretax return on assets | 0.2064% | 5,921 |
| Return on Equity (ROE) | 1.4903% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4903% | 5,018 |
| Net charge-offs to loans | 0.3248% | 2,793 |
| Credit loss provision to net charge-offs | 127.0000% | 3,140 |
| Earnings coverage of net charge-offs (x) | 0.0500% | 4,936 |
| Efficiency ratio | 99.5614% | 1,152 |
| Assets per employee ($millions) | 6.2211% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,264 |
| Loan loss allowance to noncurrent loans | 860.8696% | 450 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,466 |
| Noncurrent loans to loans | 0.1677% | 7,043 |
| Net loans and leases to total assets | 69.8295% | 3,713 |
| Net loans and leases to deposits | 93.9572% | 2,271 |
| Net loans and leases to core deposits | 162.5324% | 457 |
| Total domestic deposits to total assets | 74.3206% | 6,832 |
| Equity capital to assets | 13.7471% | 1,444 |
| Core capital (leverage) ratio | 13.3572% | 1,370 |
| Tier 1 risk-based capital ratio | 16.1388% | 2,640 |
| Total risk-based capital ratio | 17.3792% | 2,582 |
| Memoranda: | ||
| Average total assets | $172,507,000 | 3,612 |
| Average earning assets | $161,964,500 | 3,544 |
| Average equity | $23,887,500 | 2,782 |
| Average total loans | $123,154,500 | 3,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9567% | 5,777 |
| Cost of funding earning assets | 3.1997% | 1,194 |
| Net interest margin | 2.7570% | 7,402 |
| Noninterest income to average assets | -0.2218% | 8,228 |
| Noninterest expense to average assets | 2.7081% | 5,234 |
| Loan and lease loss provision to assets | 0.2598% | 4,326 |
| Net operating income to assets | -0.7814% | 7,123 |
| Return on assets (ROA) | -0.6773% | 6,951 |
| Pretax return on assets | -0.5247% | 6,674 |
| Return on Equity (ROE) | -4.5567% | 6,815 |
| Retained earnings to average equity (ytd only) | -4.5567% | 6,425 |
| Net charge-offs to loans | 0.2503% | 3,770 |
| Credit loss provision to net charge-offs | 143.2990% | 3,690 |
| Earnings coverage of net charge-offs (x) | -2.0344% | 6,706 |
| Efficiency ratio | 115.7698% | 617 |
| Assets per employee ($millions) | 5.5105% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 3,038 |
| Loan loss allowance to noncurrent loans | 860.2941% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 3,527 |
| Noncurrent loans to loans | 0.1660% | 6,898 |
| Net loans and leases to total assets | 70.9128% | 3,807 |
| Net loans and leases to deposits | 97.1832% | 2,255 |
| Net loans and leases to core deposits | 149.2944% | 879 |
| Total domestic deposits to total assets | 72.9681% | 6,835 |
| Equity capital to assets | 13.9494% | 1,438 |
| Core capital (leverage) ratio | 13.5693% | 1,363 |
| Tier 1 risk-based capital ratio | 16.1510% | 2,605 |
| Total risk-based capital ratio | 17.3808% | 2,548 |
| Memoranda: | ||
| Average total assets | $160,482,800 | 3,713 |
| Average earning assets | $149,077,000 | 3,675 |
| Average equity | $23,855,000 | 2,747 |
| Average total loans | $116,249,000 | 3,541 |