Home > Bank of Coral Gables > Performance and Condition Ratios
Bank of Coral Gables, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,628 |
| Cost of funding earning assets | 0.5983% | 1,848 |
| Net interest margin | 2.7791% | 5,896 |
| Noninterest income to average assets | 0.2496% | 5,430 |
| Noninterest expense to average assets | 3.5256% | 1,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5384% | 6,378 |
| Return on assets (ROA) | -0.5384% | 6,375 |
| Pretax return on assets | -0.5384% | 6,364 |
| Return on Equity (ROE) | -8.6330% | 6,427 |
| Retained earnings to average equity (ytd only) | -8.6330% | 6,355 |
| Net charge-offs to loans | -0.4407% | 6,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0227% | 142 |
| Assets per employee ($millions) | 5.1574% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0121% | 159 |
| Loan loss allowance to noncurrent loans | 369.4228% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 3,969 |
| Noncurrent loans to loans | 1.0860% | 2,901 |
| Net loans and leases to total assets | 54.9250% | 4,470 |
| Net loans and leases to deposits | 58.7344% | 5,040 |
| Net loans and leases to core deposits | 62.7592% | 4,981 |
| Total domestic deposits to total assets | 93.5142% | 56 |
| Equity capital to assets | 6.0622% | 6,473 |
| Core capital (leverage) ratio | 6.3146% | 6,452 |
| Tier 1 risk-based capital ratio | 11.6030% | 5,738 |
| Total risk-based capital ratio | 12.8910% | 5,628 |
| Memoranda: | ||
| Average total assets | $102,032,750 | 4,600 |
| Average earning assets | $100,507,750 | 4,421 |
| Average equity | $6,363,000 | 5,608 |
| Average total loans | $60,807,500 | 4,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3930% | 5,633 |
| Cost of funding earning assets | 0.6175% | 1,755 |
| Net interest margin | 2.7756% | 5,955 |
| Noninterest income to average assets | 0.1889% | 5,828 |
| Noninterest expense to average assets | 3.6887% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7673% | 6,499 |
| Return on assets (ROA) | -0.7673% | 6,498 |
| Pretax return on assets | -0.7673% | 6,484 |
| Return on Equity (ROE) | -12.1881% | 6,534 |
| Retained earnings to average equity (ytd only) | -12.1881% | 6,458 |
| Net charge-offs to loans | -0.1401% | 6,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2626% | 115 |
| Assets per employee ($millions) | 4.7079% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5464% | 239 |
| Loan loss allowance to noncurrent loans | 293.1034% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 3,679 |
| Noncurrent loans to loans | 1.2100% | 2,813 |
| Net loans and leases to total assets | 60.7960% | 3,595 |
| Net loans and leases to deposits | 65.2723% | 4,353 |
| Net loans and leases to core deposits | 69.7593% | 4,291 |
| Total domestic deposits to total assets | 93.1422% | 75 |
| Equity capital to assets | 6.3804% | 6,503 |
| Core capital (leverage) ratio | 6.1193% | 6,523 |
| Tier 1 risk-based capital ratio | 10.9620% | 6,065 |
| Total risk-based capital ratio | 12.2444% | 5,998 |
| Memoranda: | ||
| Average total assets | $101,661,000 | 4,643 |
| Average earning assets | $100,087,330 | 4,470 |
| Average equity | $6,399,670 | 5,633 |
| Average total loans | $61,402,670 | 4,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 5,753 |
| Cost of funding earning assets | 0.6152% | 1,854 |
| Net interest margin | 2.7328% | 6,056 |
| Noninterest income to average assets | 0.2445% | 5,402 |
| Noninterest expense to average assets | 3.4854% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5511% | 6,491 |
| Return on assets (ROA) | -0.5511% | 6,488 |
| Pretax return on assets | -0.5511% | 6,473 |
| Return on Equity (ROE) | -8.8123% | 6,547 |
| Retained earnings to average equity (ytd only) | -8.8123% | 6,320 |
| Net charge-offs to loans | -0.0328% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.7831% | 181 |
| Assets per employee ($millions) | 4.9231% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6829% | 240 |
| Loan loss allowance to noncurrent loans | 278.8190% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 3,864 |
| Noncurrent loans to loans | 1.3209% | 2,823 |
| Net loans and leases to total assets | 54.9432% | 4,288 |
| Net loans and leases to deposits | 58.8449% | 4,860 |
| Net loans and leases to core deposits | 62.9138% | 4,797 |
| Total domestic deposits to total assets | 93.3694% | 85 |
| Equity capital to assets | 6.2243% | 6,548 |
| Core capital (leverage) ratio | 6.3669% | 6,549 |
| Tier 1 risk-based capital ratio | 12.0983% | 5,568 |
| Total risk-based capital ratio | 13.3820% | 5,484 |
| Memoranda: | ||
| Average total assets | $103,059,000 | 4,650 |
| Average earning assets | $101,436,000 | 4,470 |
| Average equity | $6,445,500 | 5,651 |
| Average total loans | $60,946,000 | 4,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5274% | 5,586 |
| Cost of funding earning assets | 0.6985% | 1,827 |
| Net interest margin | 2.8290% | 5,934 |
| Noninterest income to average assets | 0.2511% | 5,547 |
| Noninterest expense to average assets | 3.5402% | 1,566 |
| Loan and lease loss provision to assets | -0.7581% | 6,783 |
| Net operating income to assets | 0.1276% | 5,980 |
| Return on assets (ROA) | 0.2568% | 5,742 |
| Pretax return on assets | 0.4150% | 5,460 |
| Return on Equity (ROE) | 4.2769% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.2769% | 3,133 |
| Net charge-offs to loans | -0.5737% | 6,734 |
| Credit loss provision to net charge-offs | 226.6289% | 1,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1904% | 191 |
| Assets per employee ($millions) | 4.6697% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4442% | 305 |
| Loan loss allowance to noncurrent loans | 257.3634% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 3,491 |
| Noncurrent loans to loans | 1.3383% | 2,901 |
| Net loans and leases to total assets | 59.1339% | 3,855 |
| Net loans and leases to deposits | 63.4021% | 4,572 |
| Net loans and leases to core deposits | 67.9439% | 4,521 |
| Total domestic deposits to total assets | 93.2680% | 112 |
| Equity capital to assets | 6.2843% | 6,591 |
| Core capital (leverage) ratio | 6.5276% | 6,593 |
| Tier 1 risk-based capital ratio | 11.4485% | 5,933 |
| Total risk-based capital ratio | 12.7284% | 5,857 |
| Memoranda: | ||
| Average total assets | $105,530,400 | 4,608 |
| Average earning assets | $102,369,400 | 4,453 |
| Average equity | $6,336,400 | 5,733 |
| Average total loans | $61,534,400 | 4,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 5,664 |
| Cost of funding earning assets | 0.7140% | 1,857 |
| Net interest margin | 2.7962% | 6,024 |
| Noninterest income to average assets | 0.2724% | 5,499 |
| Noninterest expense to average assets | 3.6235% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.8572% | 6,687 |
| Return on assets (ROA) | -0.5949% | 6,639 |
| Pretax return on assets | -0.3853% | 6,555 |
| Return on Equity (ROE) | -10.0211% | 6,692 |
| Retained earnings to average equity (ytd only) | -10.0211% | 6,639 |
| Net charge-offs to loans | -0.1286% | 6,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7630% | 164 |
| Assets per employee ($millions) | 4.7256% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1934% | 206 |
| Loan loss allowance to noncurrent loans | 220.1812% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 3,034 |
| Noncurrent loans to loans | 1.9045% | 2,364 |
| Net loans and leases to total assets | 58.7421% | 3,886 |
| Net loans and leases to deposits | 62.4936% | 4,692 |
| Net loans and leases to core deposits | 66.7621% | 4,645 |
| Total domestic deposits to total assets | 93.9969% | 71 |
| Equity capital to assets | 5.5693% | 6,729 |
| Core capital (leverage) ratio | 5.6387% | 6,750 |
| Tier 1 risk-based capital ratio | 10.1589% | 6,550 |
| Total risk-based capital ratio | 11.4495% | 6,508 |
| Memoranda: | ||
| Average total assets | $106,229,750 | 4,635 |
| Average earning assets | $102,707,000 | 4,484 |
| Average equity | $6,306,500 | 5,810 |
| Average total loans | $61,188,750 | 4,616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5392% | 5,607 |
| Cost of funding earning assets | 0.7234% | 1,899 |
| Net interest margin | 2.8158% | 5,973 |
| Noninterest income to average assets | 0.3328% | 5,034 |
| Noninterest expense to average assets | 3.7127% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.9852% | 6,751 |
| Return on assets (ROA) | -0.5945% | 6,677 |
| Pretax return on assets | -0.2823% | 6,544 |
| Return on Equity (ROE) | -9.8168% | 6,737 |
| Retained earnings to average equity (ytd only) | -9.8168% | 6,660 |
| Net charge-offs to loans | -0.1690% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1402% | 165 |
| Assets per employee ($millions) | 4.8934% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4772% | 179 |
| Loan loss allowance to noncurrent loans | 215.9643% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 3,167 |
| Noncurrent loans to loans | 2.0731% | 2,307 |
| Net loans and leases to total assets | 52.8164% | 4,765 |
| Net loans and leases to deposits | 56.2048% | 5,315 |
| Net loans and leases to core deposits | 59.5501% | 5,301 |
| Total domestic deposits to total assets | 93.9714% | 62 |
| Equity capital to assets | 5.5799% | 6,782 |
| Core capital (leverage) ratio | 5.8430% | 6,765 |
| Tier 1 risk-based capital ratio | 10.9044% | 6,376 |
| Total risk-based capital ratio | 12.1984% | 6,328 |
| Memoranda: | ||
| Average total assets | $106,985,330 | 4,644 |
| Average earning assets | $102,847,330 | 4,500 |
| Average equity | $6,478,670 | 5,816 |
| Average total loans | $60,337,330 | 4,661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 5,338 |
| Cost of funding earning assets | 0.7390% | 1,929 |
| Net interest margin | 2.9012% | 5,813 |
| Noninterest income to average assets | 0.0225% | 6,807 |
| Noninterest expense to average assets | 3.6718% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.8664% | 6,778 |
| Return on assets (ROA) | -0.7501% | 6,769 |
| Pretax return on assets | -0.7501% | 6,745 |
| Return on Equity (ROE) | -11.9145% | 6,835 |
| Retained earnings to average equity (ytd only) | -11.9145% | 6,679 |
| Net charge-offs to loans | -0.0724% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.8824% | 143 |
| Assets per employee ($millions) | 4.5197% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4288% | 207 |
| Loan loss allowance to noncurrent loans | 209.3301% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 3.4987% | 1,214 |
| Noncurrent loans to loans | 2.1157% | 2,482 |
| Net loans and leases to total assets | 54.4919% | 4,335 |
| Net loans and leases to deposits | 58.5404% | 4,968 |
| Net loans and leases to core deposits | 62.2244% | 4,935 |
| Total domestic deposits to total assets | 93.0844% | 119 |
| Equity capital to assets | 6.3365% | 6,805 |
| Core capital (leverage) ratio | 5.7571% | 6,827 |
| Tier 1 risk-based capital ratio | 11.2455% | 6,288 |
| Total risk-based capital ratio | 12.5383% | 6,254 |
| Memoranda: | ||
| Average total assets | $106,651,000 | 4,699 |
| Average earning assets | $102,302,500 | 4,557 |
| Average equity | $6,714,500 | 5,812 |
| Average total loans | $60,744,000 | 4,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 5,808 |
| Cost of funding earning assets | 0.8667% | 2,169 |
| Net interest margin | 2.9403% | 6,153 |
| Noninterest income to average assets | 0.1321% | 6,382 |
| Noninterest expense to average assets | 3.8183% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.8854% | 6,705 |
| Return on assets (ROA) | -0.4445% | 6,585 |
| Pretax return on assets | -0.4445% | 6,548 |
| Return on Equity (ROE) | -7.0713% | 6,658 |
| Retained earnings to average equity (ytd only) | -7.0713% | 6,532 |
| Net charge-offs to loans | 1.8304% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.8111% | 5,732 |
| Efficiency ratio | 130.1887% | 157 |
| Assets per employee ($millions) | 4.7543% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2014% | 250 |
| Loan loss allowance to noncurrent loans | 137.6514% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 4.8697% | 813 |
| Noncurrent loans to loans | 3.0522% | 1,703 |
| Net loans and leases to total assets | 54.5071% | 4,546 |
| Net loans and leases to deposits | 58.5031% | 5,185 |
| Net loans and leases to core deposits | 62.0290% | 5,154 |
| Total domestic deposits to total assets | 93.1696% | 112 |
| Equity capital to assets | 6.2570% | 6,872 |
| Core capital (leverage) ratio | 5.9189% | 6,865 |
| Tier 1 risk-based capital ratio | 10.8283% | 6,415 |
| Total risk-based capital ratio | 12.1171% | 6,369 |
| Memoranda: | ||
| Average total assets | $112,039,000 | 4,547 |
| Average earning assets | $106,724,600 | 4,421 |
| Average equity | $7,042,600 | 5,753 |
| Average total loans | $66,816,400 | 4,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 5,713 |
| Cost of funding earning assets | 0.9020% | 2,157 |
| Net interest margin | 3.0291% | 6,107 |
| Noninterest income to average assets | 0.0923% | 6,644 |
| Noninterest expense to average assets | 3.8788% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.9026% | 6,836 |
| Return on assets (ROA) | -0.5607% | 6,751 |
| Pretax return on assets | -0.5607% | 6,728 |
| Return on Equity (ROE) | -8.9102% | 6,839 |
| Retained earnings to average equity (ytd only) | -8.9102% | 6,785 |
| Net charge-offs to loans | 1.5498% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.9658% | 5,571 |
| Efficiency ratio | 130.3259% | 146 |
| Assets per employee ($millions) | 5.0395% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2332% | 122 |
| Loan loss allowance to noncurrent loans | 74.9569% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 7.1048% | 502 |
| Noncurrent loans to loans | 6.9817% | 523 |
| Net loans and leases to total assets | 49.7682% | 5,338 |
| Net loans and leases to deposits | 53.4915% | 5,846 |
| Net loans and leases to core deposits | 56.6644% | 5,840 |
| Total domestic deposits to total assets | 93.0395% | 106 |
| Equity capital to assets | 6.2922% | 6,969 |
| Core capital (leverage) ratio | 5.7400% | 6,967 |
| Tier 1 risk-based capital ratio | 11.6503% | 6,147 |
| Total risk-based capital ratio | 12.9536% | 6,096 |
| Memoranda: | ||
| Average total assets | $112,711,500 | 4,568 |
| Average earning assets | $107,310,750 | 4,457 |
| Average equity | $7,092,750 | 5,800 |
| Average total loans | $67,966,250 | 4,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 5,670 |
| Cost of funding earning assets | 0.9244% | 2,231 |
| Net interest margin | 3.0659% | 6,084 |
| Noninterest income to average assets | 0.2277% | 5,939 |
| Noninterest expense to average assets | 3.9514% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.8030% | 6,860 |
| Return on assets (ROA) | -0.2930% | 6,671 |
| Pretax return on assets | -0.2930% | 6,635 |
| Return on Equity (ROE) | -4.6553% | 6,758 |
| Retained earnings to average equity (ytd only) | -4.6553% | 6,599 |
| Net charge-offs to loans | 2.1906% | 357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.5833% | 5,253 |
| Efficiency ratio | 125.5045% | 192 |
| Assets per employee ($millions) | 5.4054% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5196% | 227 |
| Loan loss allowance to noncurrent loans | 72.6121% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 6.8230% | 587 |
| Noncurrent loans to loans | 6.2243% | 693 |
| Net loans and leases to total assets | 53.3393% | 4,909 |
| Net loans and leases to deposits | 57.2332% | 5,532 |
| Net loans and leases to core deposits | 61.6863% | 5,420 |
| Total domestic deposits to total assets | 93.1964% | 113 |
| Equity capital to assets | 6.2592% | 7,010 |
| Core capital (leverage) ratio | 6.0961% | 6,977 |
| Tier 1 risk-based capital ratio | 11.7599% | 6,082 |
| Total risk-based capital ratio | 13.0559% | 6,029 |
| Memoranda: | ||
| Average total assets | $113,326,000 | 4,584 |
| Average earning assets | $107,963,000 | 4,462 |
| Average equity | $7,131,670 | 5,807 |
| Average total loans | $71,213,670 | 4,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 4,966 |
| Cost of funding earning assets | 0.9598% | 2,234 |
| Net interest margin | 3.2796% | 5,532 |
| Noninterest income to average assets | 0.3144% | 5,358 |
| Noninterest expense to average assets | 4.1755% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7348% | 6,929 |
| Return on assets (ROA) | -0.3427% | 6,769 |
| Pretax return on assets | -0.3427% | 6,752 |
| Return on Equity (ROE) | -5.4304% | 6,865 |
| Retained earnings to average equity (ytd only) | -5.4304% | 6,611 |
| Net charge-offs to loans | 0.4154% | 2,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.6667% | 4,637 |
| Efficiency ratio | 121.3552% | 207 |
| Assets per employee ($millions) | 5.5538% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9639% | 184 |
| Loan loss allowance to noncurrent loans | 85.9345% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 6.6765% | 663 |
| Noncurrent loans to loans | 5.7764% | 898 |
| Net loans and leases to total assets | 61.4993% | 3,353 |
| Net loans and leases to deposits | 66.0674% | 4,366 |
| Net loans and leases to core deposits | 70.5423% | 4,338 |
| Total domestic deposits to total assets | 93.0858% | 137 |
| Equity capital to assets | 6.4073% | 7,032 |
| Core capital (leverage) ratio | 6.0776% | 7,030 |
| Tier 1 risk-based capital ratio | 10.2431% | 6,813 |
| Total risk-based capital ratio | 11.5444% | 6,801 |
| Memoranda: | ||
| Average total assets | $113,232,500 | 4,614 |
| Average earning assets | $107,938,500 | 4,487 |
| Average equity | $7,145,000 | 5,826 |
| Average total loans | $75,114,000 | 4,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 5,790 |
| Cost of funding earning assets | 1.0844% | 2,774 |
| Net interest margin | 3.2057% | 6,076 |
| Noninterest income to average assets | -0.2624% | 7,184 |
| Noninterest expense to average assets | 4.1125% | 897 |
| Loan and lease loss provision to assets | 1.8072% | 366 |
| Net operating income to assets | -2.9785% | 7,172 |
| Return on assets (ROA) | -2.5010% | 7,124 |
| Pretax return on assets | -2.6248% | 7,136 |
| Return on Equity (ROE) | -39.8272% | 7,160 |
| Retained earnings to average equity (ytd only) | -39.8272% | 7,156 |
| Net charge-offs to loans | 2.4997% | 467 |
| Credit loss provision to net charge-offs | 110.1174% | 3,040 |
| Earnings coverage of net charge-offs (x) | -0.8044% | 6,156 |
| Efficiency ratio | 147.2790% | 150 |
| Assets per employee ($millions) | 4.6156% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6535% | 228 |
| Loan loss allowance to noncurrent loans | 62.8729% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 8.1888% | 482 |
| Noncurrent loans to loans | 7.4015% | 581 |
| Net loans and leases to total assets | 64.7401% | 3,036 |
| Net loans and leases to deposits | 69.4021% | 4,218 |
| Net loans and leases to core deposits | 76.8486% | 3,852 |
| Total domestic deposits to total assets | 93.2827% | 126 |
| Equity capital to assets | 6.2164% | 7,073 |
| Core capital (leverage) ratio | 5.7729% | 7,079 |
| Tier 1 risk-based capital ratio | 9.4946% | 6,962 |
| Total risk-based capital ratio | 10.7914% | 6,947 |
| Memoranda: | ||
| Average total assets | $134,904,200 | 4,077 |
| Average earning assets | $128,553,200 | 3,961 |
| Average equity | $8,471,600 | 5,411 |
| Average total loans | $88,569,600 | 3,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 6,056 |
| Cost of funding earning assets | 1.1115% | 2,898 |
| Net interest margin | 3.1505% | 6,287 |
| Noninterest income to average assets | -0.3386% | 7,309 |
| Noninterest expense to average assets | 4.1845% | 813 |
| Loan and lease loss provision to assets | 1.6778% | 373 |
| Net operating income to assets | -3.1973% | 7,289 |
| Return on assets (ROA) | -2.6326% | 7,244 |
| Pretax return on assets | -2.6326% | 7,235 |
| Return on Equity (ROE) | -41.8350% | 7,262 |
| Retained earnings to average equity (ytd only) | -41.8350% | 7,256 |
| Net charge-offs to loans | 2.8605% | 341 |
| Credit loss provision to net charge-offs | 89.9744% | 3,772 |
| Earnings coverage of net charge-offs (x) | -0.8148% | 5,905 |
| Efficiency ratio | 157.0150% | 116 |
| Assets per employee ($millions) | 4.8602% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8916% | 427 |
| Loan loss allowance to noncurrent loans | 37.3380% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 8.7461% | 462 |
| Noncurrent loans to loans | 10.4226% | 325 |
| Net loans and leases to total assets | 65.5696% | 2,989 |
| Net loans and leases to deposits | 70.2622% | 4,254 |
| Net loans and leases to core deposits | 77.3490% | 3,996 |
| Total domestic deposits to total assets | 93.3213% | 118 |
| Equity capital to assets | 6.3618% | 7,150 |
| Core capital (leverage) ratio | 5.4857% | 7,182 |
| Tier 1 risk-based capital ratio | 10.1551% | 6,908 |
| Total risk-based capital ratio | 11.4431% | 6,885 |
| Memoranda: | ||
| Average total assets | $139,783,000 | 4,001 |
| Average earning assets | $133,268,500 | 3,888 |
| Average equity | $8,796,250 | 5,361 |
| Average total loans | $91,124,750 | 3,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 6,174 |
| Cost of funding earning assets | 1.1072% | 3,188 |
| Net interest margin | 3.1384% | 6,309 |
| Noninterest income to average assets | -0.0603% | 7,263 |
| Noninterest expense to average assets | 4.2571% | 780 |
| Loan and lease loss provision to assets | 1.0543% | 798 |
| Net operating income to assets | -2.3911% | 7,255 |
| Return on assets (ROA) | -1.9441% | 7,185 |
| Pretax return on assets | -1.9441% | 7,154 |
| Return on Equity (ROE) | -30.9889% | 7,256 |
| Retained earnings to average equity (ytd only) | -30.9889% | 7,249 |
| Net charge-offs to loans | 2.5653% | 450 |
| Credit loss provision to net charge-offs | 63.8704% | 4,237 |
| Earnings coverage of net charge-offs (x) | -0.8098% | 5,605 |
| Efficiency ratio | 145.7746% | 172 |
| Assets per employee ($millions) | 5.8527% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4983% | 595 |
| Loan loss allowance to noncurrent loans | 29.1671% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 11.1003% | 304 |
| Noncurrent loans to loans | 11.9941% | 254 |
| Net loans and leases to total assets | 58.6602% | 4,519 |
| Net loans and leases to deposits | 62.6941% | 5,427 |
| Net loans and leases to core deposits | 69.2034% | 5,160 |
| Total domestic deposits to total assets | 93.5657% | 99 |
| Equity capital to assets | 6.1731% | 7,223 |
| Core capital (leverage) ratio | 6.2137% | 7,167 |
| Tier 1 risk-based capital ratio | 10.3292% | 6,857 |
| Total risk-based capital ratio | 11.6072% | 6,838 |
| Memoranda: | ||
| Average total assets | $145,875,330 | 3,925 |
| Average earning assets | $138,543,000 | 3,816 |
| Average equity | $9,151,670 | 5,282 |
| Average total loans | $93,867,330 | 3,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 6,072 |
| Cost of funding earning assets | 1.1024% | 3,502 |
| Net interest margin | 3.1744% | 6,155 |
| Noninterest income to average assets | 0.2746% | 5,706 |
| Noninterest expense to average assets | 4.2374% | 785 |
| Loan and lease loss provision to assets | 1.2761% | 543 |
| Net operating income to assets | -2.2156% | 7,313 |
| Return on assets (ROA) | -2.2156% | 7,311 |
| Pretax return on assets | -2.2156% | 7,290 |
| Return on Equity (ROE) | -35.0511% | 7,358 |
| Retained earnings to average equity (ytd only) | -35.0511% | 7,334 |
| Net charge-offs to loans | 2.1282% | 583 |
| Credit loss provision to net charge-offs | 90.8046% | 2,935 |
| Earnings coverage of net charge-offs (x) | -0.6686% | 4,840 |
| Efficiency ratio | 128.4898% | 270 |
| Assets per employee ($millions) | 5.8128% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6015% | 560 |
| Loan loss allowance to noncurrent loans | 29.0361% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 11.5696% | 294 |
| Noncurrent loans to loans | 12.4037% | 260 |
| Net loans and leases to total assets | 62.1442% | 3,822 |
| Net loans and leases to deposits | 66.4792% | 4,898 |
| Net loans and leases to core deposits | 72.9738% | 4,653 |
| Total domestic deposits to total assets | 93.4792% | 103 |
| Equity capital to assets | 6.2868% | 7,252 |
| Core capital (leverage) ratio | 6.3919% | 7,191 |
| Tier 1 risk-based capital ratio | 9.9179% | 7,029 |
| Total risk-based capital ratio | 11.1980% | 7,021 |
| Memoranda: | ||
| Average total assets | $148,580,500 | 3,903 |
| Average earning assets | $141,509,000 | 3,794 |
| Average equity | $9,392,000 | 5,207 |
| Average total loans | $98,109,000 | 3,768 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 6,305 |
| Cost of funding earning assets | 1.3966% | 3,294 |
| Net interest margin | 3.1375% | 6,419 |
| Noninterest income to average assets | -0.1176% | 7,408 |
| Noninterest expense to average assets | 3.3775% | 2,502 |
| Loan and lease loss provision to assets | 3.2599% | 260 |
| Net operating income to assets | -3.7467% | 7,411 |
| Return on assets (ROA) | -3.7467% | 7,426 |
| Pretax return on assets | -3.7467% | 7,404 |
| Return on Equity (ROE) | -49.8844% | 7,422 |
| Retained earnings to average equity (ytd only) | -49.8844% | 7,418 |
| Net charge-offs to loans | 4.1215% | 299 |
| Credit loss provision to net charge-offs | 102.6474% | 4,404 |
| Earnings coverage of net charge-offs (x) | -0.1533% | 6,262 |
| Efficiency ratio | 116.8361% | 438 |
| Assets per employee ($millions) | 6.9019% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3374% | 662 |
| Loan loss allowance to noncurrent loans | 28.1832% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 11.0161% | 349 |
| Noncurrent loans to loans | 11.8417% | 302 |
| Net loans and leases to total assets | 65.2749% | 3,603 |
| Net loans and leases to deposits | 69.8887% | 4,827 |
| Net loans and leases to core deposits | 76.1677% | 4,687 |
| Total domestic deposits to total assets | 93.3984% | 116 |
| Equity capital to assets | 6.3540% | 7,283 |
| Core capital (leverage) ratio | 6.2974% | 7,247 |
| Tier 1 risk-based capital ratio | 9.4733% | 7,143 |
| Total risk-based capital ratio | 10.7489% | 7,144 |
| Memoranda: | ||
| Average total assets | $146,290,600 | 3,942 |
| Average earning assets | $140,271,200 | 3,813 |
| Average equity | $10,987,400 | 4,868 |
| Average total loans | $112,726,000 | 3,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 6,227 |
| Cost of funding earning assets | 1.4370% | 3,353 |
| Net interest margin | 3.2028% | 6,333 |
| Noninterest income to average assets | 0.0727% | 7,170 |
| Noninterest expense to average assets | 3.6216% | 1,739 |
| Loan and lease loss provision to assets | 3.1763% | 262 |
| Net operating income to assets | -3.6511% | 7,537 |
| Return on assets (ROA) | -3.6308% | 7,549 |
| Pretax return on assets | -3.6308% | 7,519 |
| Return on Equity (ROE) | -46.4678% | 7,538 |
| Retained earnings to average equity (ytd only) | -46.4678% | 7,536 |
| Net charge-offs to loans | 2.4914% | 682 |
| Credit loss provision to net charge-offs | 160.2600% | 2,361 |
| Earnings coverage of net charge-offs (x) | -0.2396% | 6,204 |
| Efficiency ratio | 115.0877% | 448 |
| Assets per employee ($millions) | 6.2344% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2817% | 289 |
| Loan loss allowance to noncurrent loans | 27.6412% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 12.9056% | 230 |
| Noncurrent loans to loans | 15.4904% | 152 |
| Net loans and leases to total assets | 68.6824% | 3,057 |
| Net loans and leases to deposits | 73.4258% | 4,609 |
| Net loans and leases to core deposits | 82.5310% | 4,159 |
| Total domestic deposits to total assets | 93.5398% | 79 |
| Equity capital to assets | 6.1921% | 7,467 |
| Core capital (leverage) ratio | 6.6652% | 7,293 |
| Tier 1 risk-based capital ratio | 9.0491% | 7,353 |
| Total risk-based capital ratio | 10.3392% | 7,362 |
| Memoranda: | ||
| Average total assets | $144,903,000 | 4,022 |
| Average earning assets | $139,084,500 | 3,890 |
| Average equity | $11,322,250 | 4,854 |
| Average total loans | $115,273,500 | 3,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 5,158 |
| Cost of funding earning assets | 1.5204% | 3,130 |
| Net interest margin | 3.4343% | 5,497 |
| Noninterest income to average assets | 0.0628% | 7,268 |
| Noninterest expense to average assets | 3.7899% | 1,373 |
| Loan and lease loss provision to assets | 3.2554% | 287 |
| Net operating income to assets | -3.6950% | 7,594 |
| Return on assets (ROA) | -3.6643% | 7,597 |
| Pretax return on assets | -3.6643% | 7,564 |
| Return on Equity (ROE) | -43.7375% | 7,564 |
| Retained earnings to average equity (ytd only) | -43.7375% | 7,557 |
| Net charge-offs to loans | 3.8097% | 358 |
| Credit loss provision to net charge-offs | 103.8736% | 3,926 |
| Earnings coverage of net charge-offs (x) | -0.1402% | 5,838 |
| Efficiency ratio | 113.1195% | 504 |
| Assets per employee ($millions) | 5.4748% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1663% | 723 |
| Loan loss allowance to noncurrent loans | 24.0979% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 12.7143% | 235 |
| Noncurrent loans to loans | 13.1394% | 227 |
| Net loans and leases to total assets | 78.8097% | 994 |
| Net loans and leases to deposits | 86.5335% | 2,428 |
| Net loans and leases to core deposits | 101.2872% | 1,894 |
| Total domestic deposits to total assets | 91.0742% | 453 |
| Equity capital to assets | 8.0604% | 6,687 |
| Core capital (leverage) ratio | 7.6163% | 6,712 |
| Tier 1 risk-based capital ratio | 11.3813% | 5,881 |
| Total risk-based capital ratio | 12.6614% | 5,833 |
| Memoranda: | ||
| Average total assets | $143,329,000 | 4,066 |
| Average earning assets | $137,203,000 | 3,951 |
| Average equity | $12,008,000 | 4,677 |
| Average total loans | $117,910,330 | 3,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 5,733 |
| Cost of funding earning assets | 1.5978% | 2,978 |
| Net interest margin | 3.2404% | 6,164 |
| Noninterest income to average assets | 0.0482% | 7,473 |
| Noninterest expense to average assets | 3.6143% | 1,701 |
| Loan and lease loss provision to assets | 1.5138% | 766 |
| Net operating income to assets | -1.9826% | 7,459 |
| Return on assets (ROA) | -1.9826% | 7,461 |
| Pretax return on assets | -1.9826% | 7,412 |
| Return on Equity (ROE) | -23.2768% | 7,482 |
| Retained earnings to average equity (ytd only) | -23.2768% | 7,436 |
| Net charge-offs to loans | 2.5900% | 627 |
| Credit loss provision to net charge-offs | 70.7134% | 4,085 |
| Earnings coverage of net charge-offs (x) | -0.2190% | 5,168 |
| Efficiency ratio | 114.9063% | 518 |
| Assets per employee ($millions) | 6.3627% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5323% | 1,252 |
| Loan loss allowance to noncurrent loans | 17.4170% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 14.4799% | 148 |
| Noncurrent loans to loans | 14.5393% | 199 |
| Net loans and leases to total assets | 84.2492% | 349 |
| Net loans and leases to deposits | 93.4167% | 1,417 |
| Net loans and leases to core deposits | 109.5849% | 1,309 |
| Total domestic deposits to total assets | 90.1865% | 898 |
| Equity capital to assets | 8.8363% | 5,485 |
| Core capital (leverage) ratio | 8.2737% | 5,792 |
| Tier 1 risk-based capital ratio | 11.4112% | 5,751 |
| Total risk-based capital ratio | 12.6809% | 5,710 |
| Memoranda: | ||
| Average total assets | $149,296,000 | 4,021 |
| Average earning assets | $142,699,500 | 3,897 |
| Average equity | $12,716,500 | 4,539 |
| Average total loans | $123,396,500 | 3,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 6,678 |
| Cost of funding earning assets | 2.6028% | 771 |
| Net interest margin | 2.3104% | 7,586 |
| Noninterest income to average assets | 0.0573% | 7,473 |
| Noninterest expense to average assets | 2.2607% | 6,845 |
| Loan and lease loss provision to assets | 3.6059% | 422 |
| Net operating income to assets | -3.6502% | 7,542 |
| Return on assets (ROA) | -3.6502% | 7,549 |
| Pretax return on assets | -3.6502% | 7,456 |
| Return on Equity (ROE) | -38.5258% | 7,547 |
| Retained earnings to average equity (ytd only) | -38.5258% | 7,533 |
| Net charge-offs to loans | 3.3901% | 585 |
| Credit loss provision to net charge-offs | 140.5660% | 3,456 |
| Earnings coverage of net charge-offs (x) | -0.0173% | 6,222 |
| Efficiency ratio | 101.9973% | 1,013 |
| Assets per employee ($millions) | 7.9306% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6217% | 1,104 |
| Loan loss allowance to noncurrent loans | 17.9698% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 11.6359% | 272 |
| Noncurrent loans to loans | 14.5894% | 187 |
| Net loans and leases to total assets | 77.2319% | 1,538 |
| Net loans and leases to deposits | 84.8643% | 3,108 |
| Net loans and leases to core deposits | 123.9981% | 1,635 |
| Total domestic deposits to total assets | 91.0064% | 531 |
| Equity capital to assets | 8.2365% | 6,294 |
| Core capital (leverage) ratio | 8.0204% | 6,143 |
| Tier 1 risk-based capital ratio | 11.5802% | 5,316 |
| Total risk-based capital ratio | 12.8509% | 5,250 |
| Memoranda: | ||
| Average total assets | $169,416,200 | 3,627 |
| Average earning assets | $158,328,400 | 3,548 |
| Average equity | $16,051,600 | 3,862 |
| Average total loans | $128,195,000 | 3,305 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 6,423 |
| Cost of funding earning assets | 2.8129% | 577 |
| Net interest margin | 2.2450% | 7,688 |
| Noninterest income to average assets | 0.0565% | 7,620 |
| Noninterest expense to average assets | 2.0946% | 7,207 |
| Loan and lease loss provision to assets | 3.9840% | 304 |
| Net operating income to assets | -3.9398% | 7,741 |
| Return on assets (ROA) | -3.9398% | 7,743 |
| Pretax return on assets | -3.9398% | 7,678 |
| Return on Equity (ROE) | -40.3677% | 7,754 |
| Retained earnings to average equity (ytd only) | -40.3677% | 7,748 |
| Net charge-offs to loans | 2.4421% | 752 |
| Credit loss provision to net charge-offs | 218.0161% | 2,013 |
| Earnings coverage of net charge-offs (x) | 0.0242% | 6,028 |
| Efficiency ratio | 97.9355% | 1,167 |
| Assets per employee ($millions) | 9.6936% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4068% | 460 |
| Loan loss allowance to noncurrent loans | 29.2338% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 8.5669% | 475 |
| Noncurrent loans to loans | 11.6535% | 294 |
| Net loans and leases to total assets | 70.1825% | 3,462 |
| Net loans and leases to deposits | 77.2352% | 4,856 |
| Net loans and leases to core deposits | 101.1180% | 4,254 |
| Total domestic deposits to total assets | 90.8686% | 459 |
| Equity capital to assets | 8.1016% | 6,739 |
| Core capital (leverage) ratio | 7.9644% | 6,423 |
| Tier 1 risk-based capital ratio | 12.6953% | 4,396 |
| Total risk-based capital ratio | 13.9778% | 4,322 |
| Memoranda: | ||
| Average total assets | $172,117,250 | 3,589 |
| Average earning assets | $159,639,250 | 3,557 |
| Average equity | $16,798,500 | 3,745 |
| Average total loans | $128,794,500 | 3,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 5,904 |
| Cost of funding earning assets | 3.0281% | 430 |
| Net interest margin | 2.2148% | 7,743 |
| Noninterest income to average assets | 0.0537% | 7,722 |
| Noninterest expense to average assets | 2.1736% | 7,113 |
| Loan and lease loss provision to assets | 5.0978% | 194 |
| Net operating income to assets | -5.1959% | 7,949 |
| Return on assets (ROA) | -5.1959% | 7,941 |
| Pretax return on assets | -5.1959% | 7,884 |
| Return on Equity (ROE) | -50.3336% | 7,914 |
| Retained earnings to average equity (ytd only) | -50.3336% | 7,910 |
| Net charge-offs to loans | 2.5010% | 691 |
| Credit loss provision to net charge-offs | 269.7344% | 1,730 |
| Earnings coverage of net charge-offs (x) | -0.0519% | 5,749 |
| Efficiency ratio | 104.7244% | 1,007 |
| Assets per employee ($millions) | 10.3458% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3221% | 442 |
| Loan loss allowance to noncurrent loans | 48.1886% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 5.0535% | 1,043 |
| Noncurrent loans to loans | 6.8940% | 719 |
| Net loans and leases to total assets | 70.8679% | 3,500 |
| Net loans and leases to deposits | 78.2056% | 4,833 |
| Net loans and leases to core deposits | 107.1351% | 3,709 |
| Total domestic deposits to total assets | 90.6174% | 588 |
| Equity capital to assets | 8.3876% | 6,218 |
| Core capital (leverage) ratio | 8.2084% | 5,969 |
| Tier 1 risk-based capital ratio | 11.6750% | 5,221 |
| Total risk-based capital ratio | 12.9515% | 5,128 |
| Memoranda: | ||
| Average total assets | $171,328,000 | 3,613 |
| Average earning assets | $156,399,330 | 3,626 |
| Average equity | $17,686,000 | 3,588 |
| Average total loans | $129,467,000 | 3,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 2,613 |
| Cost of funding earning assets | 3.2208% | 324 |
| Net interest margin | 2.7172% | 7,164 |
| Noninterest income to average assets | 0.0615% | 7,758 |
| Noninterest expense to average assets | 1.9923% | 7,370 |
| Loan and lease loss provision to assets | 0.3644% | 3,137 |
| Net operating income to assets | 0.0923% | 6,003 |
| Return on assets (ROA) | 0.0923% | 6,163 |
| Pretax return on assets | 0.0923% | 6,184 |
| Return on Equity (ROE) | 0.8145% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.8145% | 5,335 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3527% | 2,630 |
| Assets per employee ($millions) | 9.3621% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,945 |
| Loan loss allowance to noncurrent loans | 58.5036% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 3,481 |
| Noncurrent loans to loans | 2.2612% | 2,912 |
| Net loans and leases to total assets | 70.8262% | 3,513 |
| Net loans and leases to deposits | 82.6803% | 4,177 |
| Net loans and leases to core deposits | 132.5098% | 1,503 |
| Total domestic deposits to total assets | 85.6627% | 2,890 |
| Equity capital to assets | 10.7820% | 3,202 |
| Core capital (leverage) ratio | 11.3581% | 2,242 |
| Tier 1 risk-based capital ratio | 15.5630% | 2,827 |
| Total risk-based capital ratio | 16.8143% | 2,763 |
| Memoranda: | ||
| Average total assets | $169,053,000 | 3,668 |
| Average earning assets | $148,536,500 | 3,782 |
| Average equity | $19,153,000 | 3,396 |
| Average total loans | $129,738,500 | 3,369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4041% | 3,398 |
| Cost of funding earning assets | 3.3536% | 800 |
| Net interest margin | 3.0505% | 6,787 |
| Noninterest income to average assets | 0.0549% | 7,872 |
| Noninterest expense to average assets | 1.9396% | 7,553 |
| Loan and lease loss provision to assets | 0.7204% | 2,052 |
| Net operating income to assets | 0.3905% | 5,187 |
| Return on assets (ROA) | 0.3905% | 5,001 |
| Pretax return on assets | 0.3905% | 5,286 |
| Return on Equity (ROE) | 2.9850% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.9850% | 3,314 |
| Net charge-offs to loans | 0.3495% | 3,081 |
| Credit loss provision to net charge-offs | 260.5598% | 1,779 |
| Earnings coverage of net charge-offs (x) | 4.0178% | 4,144 |
| Efficiency ratio | 63.5839% | 5,653 |
| Assets per employee ($millions) | 9.4251% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 4,818 |
| Loan loss allowance to noncurrent loans | 105.3535% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 4,570 |
| Noncurrent loans to loans | 1.1054% | 4,347 |
| Net loans and leases to total assets | 81.3022% | 1,360 |
| Net loans and leases to deposits | 99.6573% | 1,874 |
| Net loans and leases to core deposits | 199.9141% | 173 |
| Total domestic deposits to total assets | 81.5818% | 4,374 |
| Equity capital to assets | 11.9374% | 2,334 |
| Core capital (leverage) ratio | 12.6424% | 1,687 |
| Tier 1 risk-based capital ratio | 16.8226% | 2,373 |
| Total risk-based capital ratio | 18.0738% | 2,308 |
| Memoranda: | ||
| Average total assets | $142,139,400 | 4,040 |
| Average earning assets | $139,582,200 | 3,859 |
| Average equity | $18,592,800 | 3,462 |
| Average total loans | $112,461,600 | 3,625 |