Home > Archer Bank > Performance and Condition Ratios
Archer Bank, Performance and Condition Ratios
| 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 | 3.4864% | 5,742 |
| Cost of funding earning assets | 0.2138% | 6,514 |
| Net interest margin | 3.2726% | 4,622 |
| Noninterest income to average assets | -0.5425% | 6,989 |
| Noninterest expense to average assets | 4.8308% | 414 |
| Loan and lease loss provision to assets | 0.3491% | 939 |
| Net operating income to assets | -2.9160% | 6,963 |
| Return on assets (ROA) | -2.9152% | 6,965 |
| Pretax return on assets | -2.9152% | 6,961 |
| Return on Equity (ROE) | -83.1994% | 6,998 |
| Retained earnings to average equity (ytd only) | -83.1994% | 6,996 |
| Net charge-offs to loans | 1.6880% | 297 |
| Credit loss provision to net charge-offs | 39.9808% | 2,749 |
| Earnings coverage of net charge-offs (x) | -2.9396% | 4,044 |
| Efficiency ratio | 207.2115% | 34 |
| Assets per employee ($millions) | 2.7600% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9482% | 141 |
| Loan loss allowance to noncurrent loans | 23.9118% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 16.7331% | 55 |
| Noncurrent loans to loans | 20.6937% | 24 |
| Net loans and leases to total assets | 49.1410% | 5,094 |
| Net loans and leases to deposits | 51.0741% | 5,703 |
| Net loans and leases to core deposits | 52.5662% | 5,781 |
| Total domestic deposits to total assets | 96.2150% | 21 |
| Equity capital to assets | 3.1846% | 6,973 |
| Core capital (leverage) ratio | 2.4609% | 6,987 |
| Tier 1 risk-based capital ratio | 4.2216% | 6,975 |
| Total risk-based capital ratio | 5.5348% | 6,975 |
| Memoranda: | ||
| Average total assets | $477,771,500 | 1,404 |
| Average earning assets | $409,707,000 | 1,500 |
| Average equity | $16,740,500 | 3,708 |
| Average total loans | $247,156,000 | 1,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,318 |
| Cost of funding earning assets | 0.4112% | 5,845 |
| Net interest margin | 3.5852% | 4,155 |
| Noninterest income to average assets | 0.2925% | 5,379 |
| Noninterest expense to average assets | 4.3330% | 656 |
| Loan and lease loss provision to assets | 1.6330% | 175 |
| Net operating income to assets | -6.4315% | 7,069 |
| Return on assets (ROA) | -5.8226% | 7,068 |
| Pretax return on assets | -2.0358% | 6,929 |
| Return on Equity (ROE) | -76.5387% | 7,055 |
| Retained earnings to average equity (ytd only) | -76.5387% | 7,055 |
| Net charge-offs to loans | 5.3538% | 27 |
| Credit loss provision to net charge-offs | 59.3441% | 4,468 |
| Earnings coverage of net charge-offs (x) | -0.3676% | 5,636 |
| Efficiency ratio | 126.8140% | 167 |
| Assets per employee ($millions) | 2.8949% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0167% | 134 |
| Loan loss allowance to noncurrent loans | 26.3110% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 16.2372% | 63 |
| Noncurrent loans to loans | 19.0668% | 36 |
| Net loans and leases to total assets | 49.1650% | 5,284 |
| Net loans and leases to deposits | 51.5113% | 5,844 |
| Net loans and leases to core deposits | 53.2066% | 5,929 |
| Total domestic deposits to total assets | 95.4450% | 38 |
| Equity capital to assets | 3.8119% | 7,011 |
| Core capital (leverage) ratio | 3.0207% | 7,031 |
| Tier 1 risk-based capital ratio | 5.2524% | 7,013 |
| Total risk-based capital ratio | 6.5636% | 7,014 |
| Memoranda: | ||
| Average total assets | $551,880,600 | 1,216 |
| Average earning assets | $466,251,800 | 1,310 |
| Average equity | $41,984,000 | 1,660 |
| Average total loans | $283,649,400 | 1,473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 5,427 |
| Cost of funding earning assets | 0.4484% | 5,809 |
| Net interest margin | 3.5852% | 4,293 |
| Noninterest income to average assets | 0.3282% | 5,171 |
| Noninterest expense to average assets | 4.2357% | 695 |
| Loan and lease loss provision to assets | 1.5162% | 209 |
| Net operating income to assets | -1.5566% | 6,980 |
| Return on assets (ROA) | -1.4556% | 6,970 |
| Pretax return on assets | -2.2496% | 7,059 |
| Return on Equity (ROE) | -17.2886% | 6,961 |
| Retained earnings to average equity (ytd only) | -17.2886% | 6,940 |
| Net charge-offs to loans | 5.8361% | 27 |
| Credit loss provision to net charge-offs | 50.6228% | 4,390 |
| Earnings coverage of net charge-offs (x) | -0.2967% | 5,445 |
| Efficiency ratio | 123.0424% | 175 |
| Assets per employee ($millions) | 3.2248% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7195% | 174 |
| Loan loss allowance to noncurrent loans | 26.1742% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 14.8065% | 93 |
| Noncurrent loans to loans | 18.0312% | 58 |
| Net loans and leases to total assets | 46.8597% | 5,674 |
| Net loans and leases to deposits | 51.3997% | 6,017 |
| Net loans and leases to core deposits | 53.6316% | 6,073 |
| Total domestic deposits to total assets | 91.1672% | 367 |
| Equity capital to assets | 8.3877% | 6,362 |
| Core capital (leverage) ratio | 3.3671% | 7,114 |
| Tier 1 risk-based capital ratio | 5.8439% | 7,088 |
| Total risk-based capital ratio | 7.1487% | 7,089 |
| Memoranda: | ||
| Average total assets | $568,264,250 | 1,182 |
| Average earning assets | $478,477,000 | 1,289 |
| Average equity | $47,845,250 | 1,476 |
| Average total loans | $291,626,500 | 1,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 5,336 |
| Cost of funding earning assets | 0.4738% | 5,804 |
| Net interest margin | 3.6202% | 4,181 |
| Noninterest income to average assets | 0.5434% | 3,629 |
| Noninterest expense to average assets | 3.9922% | 947 |
| Loan and lease loss provision to assets | 1.4757% | 251 |
| Net operating income to assets | -1.1989% | 6,958 |
| Return on assets (ROA) | -1.0454% | 6,939 |
| Pretax return on assets | -1.6196% | 7,022 |
| Return on Equity (ROE) | -12.4013% | 6,948 |
| Retained earnings to average equity (ytd only) | -12.4013% | 6,897 |
| Net charge-offs to loans | 7.2860% | 19 |
| Credit loss provision to net charge-offs | 38.9625% | 4,286 |
| Earnings coverage of net charge-offs (x) | -0.1004% | 5,129 |
| Efficiency ratio | 107.3262% | 374 |
| Assets per employee ($millions) | 3.4391% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3893% | 254 |
| Loan loss allowance to noncurrent loans | 24.7625% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 14.3458% | 114 |
| Noncurrent loans to loans | 17.7255% | 63 |
| Net loans and leases to total assets | 45.9682% | 5,827 |
| Net loans and leases to deposits | 50.3718% | 6,156 |
| Net loans and leases to core deposits | 53.2549% | 6,141 |
| Total domestic deposits to total assets | 91.2578% | 365 |
| Equity capital to assets | 8.3360% | 6,347 |
| Core capital (leverage) ratio | 4.0223% | 7,132 |
| Tier 1 risk-based capital ratio | 6.7921% | 7,102 |
| Total risk-based capital ratio | 8.0797% | 7,101 |
| Memoranda: | ||
| Average total assets | $578,172,330 | 1,163 |
| Average earning assets | $490,089,670 | 1,255 |
| Average equity | $48,736,670 | 1,451 |
| Average total loans | $300,549,330 | 1,414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 5,592 |
| Cost of funding earning assets | 0.5069% | 5,771 |
| Net interest margin | 3.5477% | 4,495 |
| Noninterest income to average assets | 0.6889% | 2,718 |
| Noninterest expense to average assets | 4.0359% | 897 |
| Loan and lease loss provision to assets | 1.6570% | 198 |
| Net operating income to assets | -1.2816% | 7,045 |
| Return on assets (ROA) | -1.2798% | 7,061 |
| Pretax return on assets | -1.9707% | 7,136 |
| Return on Equity (ROE) | -15.0996% | 7,068 |
| Retained earnings to average equity (ytd only) | -15.0996% | 6,976 |
| Net charge-offs to loans | 9.9284% | 20 |
| Credit loss provision to net charge-offs | 30.9545% | 3,608 |
| Earnings coverage of net charge-offs (x) | -0.0591% | 4,395 |
| Efficiency ratio | 105.4134% | 425 |
| Assets per employee ($millions) | 3.5513% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4837% | 249 |
| Loan loss allowance to noncurrent loans | 22.9716% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 14.2665% | 123 |
| Noncurrent loans to loans | 19.5185% | 54 |
| Net loans and leases to total assets | 49.1698% | 5,409 |
| Net loans and leases to deposits | 53.9529% | 5,813 |
| Net loans and leases to core deposits | 57.3669% | 5,770 |
| Total domestic deposits to total assets | 91.1347% | 498 |
| Equity capital to assets | 8.3016% | 6,272 |
| Core capital (leverage) ratio | 4.2448% | 7,164 |
| Tier 1 risk-based capital ratio | 6.8232% | 7,142 |
| Total risk-based capital ratio | 8.1209% | 7,144 |
| Memoranda: | ||
| Average total assets | $580,094,500 | 1,165 |
| Average earning assets | $495,530,500 | 1,243 |
| Average equity | $49,167,000 | 1,436 |
| Average total loans | $312,760,000 | 1,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 4,119 |
| Cost of funding earning assets | 0.5525% | 6,328 |
| Net interest margin | 4.1783% | 2,127 |
| Noninterest income to average assets | -0.0723% | 7,081 |
| Noninterest expense to average assets | 4.2467% | 763 |
| Loan and lease loss provision to assets | 3.1765% | 109 |
| Net operating income to assets | -2.5413% | 7,121 |
| Return on assets (ROA) | -2.5107% | 7,125 |
| Pretax return on assets | -3.8808% | 7,265 |
| Return on Equity (ROE) | -27.6670% | 7,072 |
| Retained earnings to average equity (ytd only) | -27.6670% | 7,064 |
| Net charge-offs to loans | 2.4656% | 478 |
| Credit loss provision to net charge-offs | 205.5838% | 1,211 |
| Earnings coverage of net charge-offs (x) | -0.4863% | 6,078 |
| Efficiency ratio | 118.1573% | 323 |
| Assets per employee ($millions) | 3.4805% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7731% | 106 |
| Loan loss allowance to noncurrent loans | 32.5593% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 13.2406% | 171 |
| Noncurrent loans to loans | 17.7309% | 75 |
| Net loans and leases to total assets | 53.1179% | 5,155 |
| Net loans and leases to deposits | 58.4171% | 5,660 |
| Net loans and leases to core deposits | 62.8674% | 5,560 |
| Total domestic deposits to total assets | 90.9287% | 533 |
| Equity capital to assets | 8.6512% | 5,956 |
| Core capital (leverage) ratio | 4.6552% | 7,169 |
| Tier 1 risk-based capital ratio | 7.4757% | 7,134 |
| Total risk-based capital ratio | 8.7910% | 7,134 |
| Memoranda: | ||
| Average total assets | $572,582,800 | 1,149 |
| Average earning assets | $488,905,200 | 1,247 |
| Average equity | $51,960,800 | 1,314 |
| Average total loans | $358,823,800 | 1,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 3,848 |
| Cost of funding earning assets | 0.5491% | 6,517 |
| Net interest margin | 4.2886% | 1,763 |
| Noninterest income to average assets | -0.0005% | 7,117 |
| Noninterest expense to average assets | 4.2810% | 727 |
| Loan and lease loss provision to assets | 3.8114% | 67 |
| Net operating income to assets | -2.9868% | 7,266 |
| Return on assets (ROA) | -2.9600% | 7,272 |
| Pretax return on assets | -4.3947% | 7,357 |
| Return on Equity (ROE) | -32.2376% | 7,210 |
| Retained earnings to average equity (ytd only) | -32.2376% | 7,203 |
| Net charge-offs to loans | 2.2554% | 539 |
| Credit loss provision to net charge-offs | 262.9791% | 1,085 |
| Earnings coverage of net charge-offs (x) | -0.4300% | 5,811 |
| Efficiency ratio | 113.8391% | 376 |
| Assets per employee ($millions) | 3.5034% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6576% | 123 |
| Loan loss allowance to noncurrent loans | 30.9653% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 14.3638% | 148 |
| Noncurrent loans to loans | 18.2708% | 75 |
| Net loans and leases to total assets | 55.8175% | 4,867 |
| Net loans and leases to deposits | 61.6442% | 5,448 |
| Net loans and leases to core deposits | 66.1394% | 5,401 |
| Total domestic deposits to total assets | 90.5477% | 607 |
| Equity capital to assets | 8.8373% | 5,938 |
| Core capital (leverage) ratio | 5.4097% | 7,195 |
| Tier 1 risk-based capital ratio | 8.1319% | 7,182 |
| Total risk-based capital ratio | 9.4453% | 7,180 |
| Memoranda: | ||
| Average total assets | $571,286,250 | 1,166 |
| Average earning assets | $487,329,250 | 1,253 |
| Average equity | $52,455,000 | 1,297 |
| Average total loans | $367,104,250 | 1,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 3,237 |
| Cost of funding earning assets | 0.5604% | 6,624 |
| Net interest margin | 4.4234% | 1,306 |
| Noninterest income to average assets | -0.2968% | 7,380 |
| Noninterest expense to average assets | 3.9153% | 1,165 |
| Loan and lease loss provision to assets | 5.2685% | 44 |
| Net operating income to assets | -3.7257% | 7,375 |
| Return on assets (ROA) | -3.7223% | 7,377 |
| Pretax return on assets | -5.7036% | 7,454 |
| Return on Equity (ROE) | -40.0225% | 7,306 |
| Retained earnings to average equity (ytd only) | -40.0225% | 7,301 |
| Net charge-offs to loans | 2.0995% | 624 |
| Credit loss provision to net charge-offs | 380.1375% | 792 |
| Earnings coverage of net charge-offs (x) | -0.3178% | 5,460 |
| Efficiency ratio | 109.2830% | 486 |
| Assets per employee ($millions) | 3.4313% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7289% | 119 |
| Loan loss allowance to noncurrent loans | 30.7013% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 15.7671% | 128 |
| Noncurrent loans to loans | 18.6602% | 80 |
| Net loans and leases to total assets | 60.9520% | 4,097 |
| Net loans and leases to deposits | 68.0158% | 4,704 |
| Net loans and leases to core deposits | 72.8709% | 4,729 |
| Total domestic deposits to total assets | 89.6145% | 1,179 |
| Equity capital to assets | 9.6388% | 4,613 |
| Core capital (leverage) ratio | 6.0266% | 7,186 |
| Tier 1 risk-based capital ratio | 8.4475% | 7,217 |
| Total risk-based capital ratio | 9.7490% | 7,216 |
| Memoranda: | ||
| Average total assets | $566,693,000 | 1,182 |
| Average earning assets | $483,198,000 | 1,268 |
| Average equity | $52,705,330 | 1,280 |
| Average total loans | $374,088,000 | 1,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8943% | 3,615 |
| Cost of funding earning assets | 0.5685% | 6,730 |
| Net interest margin | 4.3258% | 1,483 |
| Noninterest income to average assets | -0.7745% | 7,526 |
| Noninterest expense to average assets | 3.8695% | 1,220 |
| Loan and lease loss provision to assets | 8.8857% | 20 |
| Net operating income to assets | -6.4329% | 7,512 |
| Return on assets (ROA) | -6.4306% | 7,512 |
| Pretax return on assets | -9.8240% | 7,549 |
| Return on Equity (ROE) | -70.3749% | 7,469 |
| Retained earnings to average equity (ytd only) | -70.3749% | 7,461 |
| Net charge-offs to loans | 2.5733% | 433 |
| Credit loss provision to net charge-offs | 517.9602% | 695 |
| Earnings coverage of net charge-offs (x) | -0.5490% | 4,809 |
| Efficiency ratio | 128.1905% | 273 |
| Assets per employee ($millions) | 3.4019% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2513% | 163 |
| Loan loss allowance to noncurrent loans | 37.0806% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 12.6729% | 230 |
| Noncurrent loans to loans | 14.1618% | 179 |
| Net loans and leases to total assets | 63.0958% | 3,629 |
| Net loans and leases to deposits | 69.3176% | 4,461 |
| Net loans and leases to core deposits | 76.0339% | 4,300 |
| Total domestic deposits to total assets | 91.0242% | 620 |
| Equity capital to assets | 8.6632% | 5,698 |
| Core capital (leverage) ratio | 5.1656% | 7,343 |
| Tier 1 risk-based capital ratio | 7.2669% | 7,344 |
| Total risk-based capital ratio | 8.5727% | 7,346 |
| Memoranda: | ||
| Average total assets | $573,818,000 | 1,174 |
| Average earning assets | $491,100,000 | 1,249 |
| Average equity | $52,433,500 | 1,272 |
| Average total loans | $382,538,000 | 1,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 3,906 |
| Cost of funding earning assets | 0.8038% | 6,546 |
| Net interest margin | 4.3370% | 1,693 |
| Noninterest income to average assets | 0.2927% | 5,687 |
| Noninterest expense to average assets | 4.1775% | 920 |
| Loan and lease loss provision to assets | 4.6512% | 93 |
| Net operating income to assets | -3.0938% | 7,314 |
| Return on assets (ROA) | -3.0235% | 7,317 |
| Pretax return on assets | -4.6059% | 7,511 |
| Return on Equity (ROE) | -31.3389% | 7,251 |
| Retained earnings to average equity (ytd only) | -31.3389% | 7,239 |
| Net charge-offs to loans | 6.1570% | 90 |
| Credit loss provision to net charge-offs | 113.8547% | 3,816 |
| Earnings coverage of net charge-offs (x) | -0.0150% | 6,144 |
| Efficiency ratio | 89.1331% | 1,389 |
| Assets per employee ($millions) | 3.5762% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4323% | 1,509 |
| Loan loss allowance to noncurrent loans | 16.9464% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 12.5237% | 250 |
| Noncurrent loans to loans | 14.3530% | 186 |
| Net loans and leases to total assets | 65.1125% | 3,646 |
| Net loans and leases to deposits | 72.2831% | 4,468 |
| Net loans and leases to core deposits | 81.8413% | 3,927 |
| Total domestic deposits to total assets | 90.0799% | 1,046 |
| Equity capital to assets | 9.5972% | 4,274 |
| Core capital (leverage) ratio | 9.0070% | 4,541 |
| Tier 1 risk-based capital ratio | 12.5259% | 5,001 |
| Total risk-based capital ratio | 13.7971% | 4,969 |
| Memoranda: | ||
| Average total assets | $634,464,600 | 1,058 |
| Average earning assets | $559,351,800 | 1,084 |
| Average equity | $61,211,400 | 1,086 |
| Average total loans | $420,964,800 | 1,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 3,907 |
| Cost of funding earning assets | 0.8497% | 6,581 |
| Net interest margin | 4.3362% | 1,728 |
| Noninterest income to average assets | 0.2066% | 6,424 |
| Noninterest expense to average assets | 3.5345% | 1,950 |
| Loan and lease loss provision to assets | 4.1831% | 139 |
| Net operating income to assets | -2.2521% | 7,293 |
| Return on assets (ROA) | -2.1795% | 7,294 |
| Pretax return on assets | -3.5582% | 7,508 |
| Return on Equity (ROE) | -22.5642% | 7,269 |
| Retained earnings to average equity (ytd only) | -22.5642% | 7,255 |
| Net charge-offs to loans | 4.8110% | 190 |
| Credit loss provision to net charge-offs | 131.2185% | 3,074 |
| Earnings coverage of net charge-offs (x) | 0.1604% | 5,860 |
| Efficiency ratio | 84.8096% | 1,751 |
| Assets per employee ($millions) | 3.5989% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5835% | 1,233 |
| Loan loss allowance to noncurrent loans | 16.8209% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 12.0255% | 272 |
| Noncurrent loans to loans | 15.3586% | 155 |
| Net loans and leases to total assets | 66.3690% | 3,603 |
| Net loans and leases to deposits | 74.6799% | 4,401 |
| Net loans and leases to core deposits | 84.7421% | 3,842 |
| Total domestic deposits to total assets | 88.8713% | 1,463 |
| Equity capital to assets | 9.9124% | 4,274 |
| Core capital (leverage) ratio | 9.0059% | 4,683 |
| Tier 1 risk-based capital ratio | 11.8922% | 5,557 |
| Total risk-based capital ratio | 13.1780% | 5,504 |
| Memoranda: | ||
| Average total assets | $647,351,500 | 1,042 |
| Average earning assets | $573,174,500 | 1,063 |
| Average equity | $62,528,250 | 1,073 |
| Average total loans | $428,952,500 | 1,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 3,515 |
| Cost of funding earning assets | 0.8885% | 6,626 |
| Net interest margin | 4.4017% | 1,439 |
| Noninterest income to average assets | 0.3153% | 5,636 |
| Noninterest expense to average assets | 3.5097% | 2,005 |
| Loan and lease loss provision to assets | 3.9522% | 197 |
| Net operating income to assets | -2.0402% | 7,315 |
| Return on assets (ROA) | -2.0233% | 7,317 |
| Pretax return on assets | -3.2165% | 7,503 |
| Return on Equity (ROE) | -21.1173% | 7,293 |
| Retained earnings to average equity (ytd only) | -21.1173% | 7,278 |
| Net charge-offs to loans | 5.2276% | 185 |
| Credit loss provision to net charge-offs | 115.0895% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.2065% | 5,517 |
| Efficiency ratio | 80.7910% | 2,335 |
| Assets per employee ($millions) | 3.6802% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,805 |
| Loan loss allowance to noncurrent loans | 12.7399% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 11.0019% | 323 |
| Noncurrent loans to loans | 13.9362% | 202 |
| Net loans and leases to total assets | 68.2515% | 3,301 |
| Net loans and leases to deposits | 76.1264% | 4,313 |
| Net loans and leases to core deposits | 86.2351% | 3,797 |
| Total domestic deposits to total assets | 89.6555% | 1,094 |
| Equity capital to assets | 10.0331% | 3,982 |
| Core capital (leverage) ratio | 8.7977% | 4,917 |
| Tier 1 risk-based capital ratio | 11.2510% | 5,995 |
| Total risk-based capital ratio | 12.5044% | 5,978 |
| Memoranda: | ||
| Average total assets | $660,399,000 | 1,026 |
| Average earning assets | $585,680,670 | 1,050 |
| Average equity | $63,275,000 | 1,054 |
| Average total loans | $433,814,330 | 1,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 4,817 |
| Cost of funding earning assets | 0.9005% | 6,768 |
| Net interest margin | 4.1428% | 2,258 |
| Noninterest income to average assets | 0.0158% | 7,605 |
| Noninterest expense to average assets | 3.7365% | 1,441 |
| Loan and lease loss provision to assets | 7.9174% | 61 |
| Net operating income to assets | -5.1304% | 7,790 |
| Return on assets (ROA) | -5.1251% | 7,794 |
| Pretax return on assets | -7.9402% | 7,858 |
| Return on Equity (ROE) | -54.6492% | 7,727 |
| Retained earnings to average equity (ytd only) | -54.6492% | 7,717 |
| Net charge-offs to loans | 7.1437% | 126 |
| Credit loss provision to net charge-offs | 173.2198% | 2,095 |
| Earnings coverage of net charge-offs (x) | -0.0068% | 5,027 |
| Efficiency ratio | 98.1991% | 914 |
| Assets per employee ($millions) | 3.9348% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7067% | 1,079 |
| Loan loss allowance to noncurrent loans | 17.8383% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 10.9063% | 338 |
| Noncurrent loans to loans | 15.1738% | 173 |
| Net loans and leases to total assets | 62.2745% | 4,702 |
| Net loans and leases to deposits | 76.4740% | 4,324 |
| Net loans and leases to core deposits | 85.2352% | 4,002 |
| Total domestic deposits to total assets | 81.4322% | 5,297 |
| Equity capital to assets | 8.9687% | 5,326 |
| Core capital (leverage) ratio | 8.0045% | 6,232 |
| Tier 1 risk-based capital ratio | 10.6021% | 6,539 |
| Total risk-based capital ratio | 11.9271% | 6,453 |
| Memoranda: | ||
| Average total assets | $683,305,500 | 1,004 |
| Average earning assets | $608,581,000 | 1,029 |
| Average equity | $64,081,500 | 1,040 |
| Average total loans | $437,198,500 | 1,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6926% | 3,140 |
| Cost of funding earning assets | 1.5913% | 5,067 |
| Net interest margin | 4.1013% | 2,440 |
| Noninterest income to average assets | 0.5589% | 3,954 |
| Noninterest expense to average assets | 2.8734% | 4,643 |
| Loan and lease loss provision to assets | 1.0823% | 2,110 |
| Net operating income to assets | 0.3826% | 4,193 |
| Return on assets (ROA) | 0.1461% | 5,125 |
| Pretax return on assets | -0.0459% | 5,514 |
| Return on Equity (ROE) | 1.5861% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.5861% | 3,971 |
| Net charge-offs to loans | 1.6057% | 1,573 |
| Credit loss provision to net charge-offs | 116.3901% | 4,662 |
| Earnings coverage of net charge-offs (x) | 1.5120% | 4,615 |
| Efficiency ratio | 64.4749% | 5,682 |
| Assets per employee ($millions) | 3.9178% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,003 |
| Loan loss allowance to noncurrent loans | 19.9146% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 5.8821% | 965 |
| Noncurrent loans to loans | 7.2574% | 744 |
| Net loans and leases to total assets | 56.7829% | 5,857 |
| Net loans and leases to deposits | 72.2069% | 5,300 |
| Net loans and leases to core deposits | 88.1419% | 5,311 |
| Total domestic deposits to total assets | 78.6392% | 6,082 |
| Equity capital to assets | 9.6720% | 4,184 |
| Core capital (leverage) ratio | 9.2521% | 4,052 |
| Tier 1 risk-based capital ratio | 12.9683% | 4,164 |
| Total risk-based capital ratio | 14.1604% | 4,151 |
| Memoranda: | ||
| Average total assets | $524,922,600 | 1,311 |
| Average earning assets | $476,161,400 | 1,324 |
| Average equity | $48,356,800 | 1,387 |
| Average total loans | $303,989,000 | 1,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 2,752 |
| Cost of funding earning assets | 1.7881% | 4,433 |
| Net interest margin | 4.0415% | 2,629 |
| Noninterest income to average assets | 0.5365% | 4,178 |
| Noninterest expense to average assets | 2.8310% | 4,758 |
| Loan and lease loss provision to assets | 0.7849% | 2,409 |
| Net operating income to assets | 0.7639% | 2,967 |
| Return on assets (ROA) | 0.2680% | 5,012 |
| Pretax return on assets | 0.0969% | 5,534 |
| Return on Equity (ROE) | 2.9455% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.9455% | 3,679 |
| Net charge-offs to loans | 1.0297% | 1,915 |
| Credit loss provision to net charge-offs | 131.4650% | 3,804 |
| Earnings coverage of net charge-offs (x) | 2.3074% | 4,097 |
| Efficiency ratio | 64.5542% | 5,649 |
| Assets per employee ($millions) | 3.7352% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,937 |
| Loan loss allowance to noncurrent loans | 15.4034% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 6.2103% | 847 |
| Noncurrent loans to loans | 9.0938% | 488 |
| Net loans and leases to total assets | 58.4465% | 5,819 |
| Net loans and leases to deposits | 69.6330% | 5,961 |
| Net loans and leases to core deposits | 86.1887% | 5,847 |
| Total domestic deposits to total assets | 83.9350% | 3,752 |
| Equity capital to assets | 9.6961% | 4,502 |
| Core capital (leverage) ratio | 8.9724% | 4,690 |
| Tier 1 risk-based capital ratio | 12.8991% | 4,271 |
| Total risk-based capital ratio | 14.0830% | 4,242 |
| Memoranda: | ||
| Average total assets | $525,885,250 | 1,321 |
| Average earning assets | $477,825,750 | 1,337 |
| Average equity | $47,846,500 | 1,429 |
| Average total loans | $304,931,500 | 1,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,752 |
| Cost of funding earning assets | 1.9139% | 4,196 |
| Net interest margin | 3.9483% | 2,894 |
| Noninterest income to average assets | 0.5263% | 4,220 |
| Noninterest expense to average assets | 2.7361% | 5,237 |
| Loan and lease loss provision to assets | 0.8486% | 1,973 |
| Net operating income to assets | 0.5514% | 3,875 |
| Return on assets (ROA) | 0.1515% | 5,512 |
| Pretax return on assets | -0.1043% | 5,996 |
| Return on Equity (ROE) | 1.7015% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.7015% | 4,394 |
| Net charge-offs to loans | 1.2122% | 1,513 |
| Credit loss provision to net charge-offs | 121.6026% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.9621% | 4,118 |
| Efficiency ratio | 63.8874% | 5,939 |
| Assets per employee ($millions) | 3.7760% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,242 |
| Loan loss allowance to noncurrent loans | 17.6798% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 4.7694% | 1,152 |
| Noncurrent loans to loans | 7.3835% | 640 |
| Net loans and leases to total assets | 56.3205% | 6,178 |
| Net loans and leases to deposits | 66.1965% | 6,373 |
| Net loans and leases to core deposits | 83.2732% | 6,139 |
| Total domestic deposits to total assets | 85.0808% | 3,223 |
| Equity capital to assets | 9.1563% | 5,084 |
| Core capital (leverage) ratio | 8.5092% | 5,432 |
| Tier 1 risk-based capital ratio | 12.4287% | 4,576 |
| Total risk-based capital ratio | 13.5185% | 4,619 |
| Memoranda: | ||
| Average total assets | $529,359,330 | 1,330 |
| Average earning assets | $479,857,000 | 1,347 |
| Average equity | $47,135,330 | 1,462 |
| Average total loans | $304,725,330 | 1,622 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0001% | 2,364 |
| Cost of funding earning assets | 2.0455% | 3,897 |
| Net interest margin | 3.9546% | 2,836 |
| Noninterest income to average assets | 0.6592% | 3,142 |
| Noninterest expense to average assets | 2.6188% | 5,374 |
| Loan and lease loss provision to assets | 0.4289% | 2,780 |
| Net operating income to assets | 0.9798% | 2,396 |
| Return on assets (ROA) | 0.1631% | 5,948 |
| Pretax return on assets | -0.0982% | 6,475 |
| Return on Equity (ROE) | 1.8580% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.8580% | 4,822 |
| Net charge-offs to loans | 0.1306% | 3,917 |
| Credit loss provision to net charge-offs | 568.0000% | 991 |
| Earnings coverage of net charge-offs (x) | 21.2800% | 1,342 |
| Efficiency ratio | 59.2924% | 6,509 |
| Assets per employee ($millions) | 3.6017% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 3,949 |
| Loan loss allowance to noncurrent loans | 20.5962% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 4.0388% | 1,270 |
| Noncurrent loans to loans | 6.4199% | 700 |
| Net loans and leases to total assets | 56.0986% | 6,225 |
| Net loans and leases to deposits | 63.7883% | 6,581 |
| Net loans and leases to core deposits | 81.8891% | 6,247 |
| Total domestic deposits to total assets | 87.9450% | 1,771 |
| Equity capital to assets | 8.6162% | 5,893 |
| Core capital (leverage) ratio | 7.9224% | 6,582 |
| Tier 1 risk-based capital ratio | 12.2999% | 4,707 |
| Total risk-based capital ratio | 13.4655% | 4,686 |
| Memoranda: | ||
| Average total assets | $529,718,000 | 1,333 |
| Average earning assets | $477,723,500 | 1,357 |
| Average equity | $46,501,000 | 1,490 |
| Average total loans | $306,252,000 | 1,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4790% | 3,069 |
| Cost of funding earning assets | 2.4181% | 4,641 |
| Net interest margin | 4.0609% | 2,868 |
| Noninterest income to average assets | 0.4624% | 4,944 |
| Noninterest expense to average assets | 2.9902% | 4,112 |
| Loan and lease loss provision to assets | 0.2204% | 4,680 |
| Net operating income to assets | 0.7939% | 3,462 |
| Return on assets (ROA) | 0.8202% | 3,187 |
| Pretax return on assets | 0.9662% | 3,500 |
| Return on Equity (ROE) | 8.8440% | 2,696 |
| Retained earnings to average equity (ytd only) | -6.9455% | 6,776 |
| Net charge-offs to loans | 0.2348% | 3,901 |
| Credit loss provision to net charge-offs | 165.3899% | 3,110 |
| Earnings coverage of net charge-offs (x) | 8.6731% | 2,839 |
| Efficiency ratio | 69.4878% | 4,449 |
| Assets per employee ($millions) | 3.6053% | 4,399 |
| Cash dividends to net income (ytd only)* | 178.5333% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 4,971 |
| Loan loss allowance to noncurrent loans | 22.7238% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 3.3548% | 1,345 |
| Noncurrent loans to loans | 5.0326% | 867 |
| Net loans and leases to total assets | 58.1179% | 6,183 |
| Net loans and leases to deposits | 66.1882% | 6,632 |
| Net loans and leases to core deposits | 85.3367% | 6,182 |
| Total domestic deposits to total assets | 87.8071% | 1,555 |
| Equity capital to assets | 8.9428% | 5,440 |
| Core capital (leverage) ratio | 8.2442% | 6,066 |
| Tier 1 risk-based capital ratio | 11.4029% | 5,330 |
| Total risk-based capital ratio | 12.3354% | 5,535 |
| Memoranda: | ||
| Average total assets | $548,630,800 | 1,240 |
| Average earning assets | $497,626,400 | 1,244 |
| Average equity | $50,882,200 | 1,327 |
| Average total loans | $311,295,000 | 1,554 |