Home > Bank of Granite > Performance and Condition Ratios
Bank of Granite, 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 | 4.3390% | 2,728 |
| Cost of funding earning assets | 0.2455% | 6,318 |
| Net interest margin | 4.0936% | 1,479 |
| Noninterest income to average assets | 0.3493% | 4,886 |
| Noninterest expense to average assets | 4.0687% | 821 |
| Loan and lease loss provision to assets | 0.0652% | 3,542 |
| Net operating income to assets | -0.0907% | 6,433 |
| Return on assets (ROA) | 0.1370% | 6,172 |
| Pretax return on assets | 0.3190% | 5,816 |
| Return on Equity (ROE) | 1.4360% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.4360% | 5,265 |
| Net charge-offs to loans | -0.1998% | 6,677 |
| Credit loss provision to net charge-offs | -74.8299% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0908% | 676 |
| Assets per employee ($millions) | 4.9773% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,571 |
| Loan loss allowance to noncurrent loans | 16.2932% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 7.9182% | 318 |
| Noncurrent loans to loans | 13.5502% | 103 |
| Net loans and leases to total assets | 41.2361% | 5,898 |
| Net loans and leases to deposits | 45.8930% | 6,059 |
| Net loans and leases to core deposits | 46.4215% | 6,189 |
| Total domestic deposits to total assets | 89.8528% | 1,138 |
| Equity capital to assets | 9.5641% | 4,764 |
| Core capital (leverage) ratio | 8.5133% | 5,572 |
| Tier 1 risk-based capital ratio | 15.5571% | 3,497 |
| Total risk-based capital ratio | 16.8130% | 3,454 |
| Memoranda: | ||
| Average total assets | $674,518,000 | 1,001 |
| Average earning assets | $617,556,000 | 1,009 |
| Average equity | $64,345,500 | 1,142 |
| Average total loans | $294,298,000 | 1,439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 3,291 |
| Cost of funding earning assets | 0.3502% | 6,213 |
| Net interest margin | 4.1768% | 1,724 |
| Noninterest income to average assets | 0.1599% | 6,232 |
| Noninterest expense to average assets | 3.4755% | 1,881 |
| Loan and lease loss provision to assets | 0.7638% | 654 |
| Net operating income to assets | -0.2163% | 6,386 |
| Return on assets (ROA) | 0.1737% | 6,007 |
| Pretax return on assets | 0.1980% | 5,994 |
| Return on Equity (ROE) | 1.9517% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.9517% | 4,848 |
| Net charge-offs to loans | -0.1140% | 6,852 |
| Credit loss provision to net charge-offs | -1,438.3420% | 6,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9068% | 1,524 |
| Assets per employee ($millions) | 4.8375% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9365% | 2,181 |
| Loan loss allowance to noncurrent loans | 12.4259% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 9.2246% | 258 |
| Noncurrent loans to loans | 15.5843% | 72 |
| Net loans and leases to total assets | 44.1896% | 5,800 |
| Net loans and leases to deposits | 49.0969% | 6,025 |
| Net loans and leases to core deposits | 49.8665% | 6,156 |
| Total domestic deposits to total assets | 90.0047% | 948 |
| Equity capital to assets | 9.5154% | 4,854 |
| Core capital (leverage) ratio | 8.1241% | 6,064 |
| Tier 1 risk-based capital ratio | 15.0428% | 3,694 |
| Total risk-based capital ratio | 16.2971% | 3,642 |
| Memoranda: | ||
| Average total assets | $726,918,400 | 911 |
| Average earning assets | $667,276,800 | 903 |
| Average equity | $64,713,800 | 1,095 |
| Average total loans | $338,659,000 | 1,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 3,147 |
| Cost of funding earning assets | 0.3656% | 6,297 |
| Net interest margin | 4.2500% | 1,597 |
| Noninterest income to average assets | 0.3226% | 5,202 |
| Noninterest expense to average assets | 3.5124% | 1,727 |
| Loan and lease loss provision to assets | 0.6586% | 795 |
| Net operating income to assets | 0.0574% | 6,198 |
| Return on assets (ROA) | 0.2417% | 5,994 |
| Pretax return on assets | 0.2417% | 6,062 |
| Return on Equity (ROE) | 2.7587% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.7587% | 4,901 |
| Net charge-offs to loans | -0.0604% | 6,755 |
| Credit loss provision to net charge-offs | -2,322.2930% | 6,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1013% | 1,919 |
| Assets per employee ($millions) | 4.6860% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,521 |
| Loan loss allowance to noncurrent loans | 7.6891% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 9.2469% | 288 |
| Noncurrent loans to loans | 14.9448% | 101 |
| Net loans and leases to total assets | 45.7978% | 5,784 |
| Net loans and leases to deposits | 50.7482% | 6,056 |
| Net loans and leases to core deposits | 51.9474% | 6,185 |
| Total domestic deposits to total assets | 90.2451% | 703 |
| Equity capital to assets | 9.2988% | 5,467 |
| Core capital (leverage) ratio | 7.8758% | 6,419 |
| Tier 1 risk-based capital ratio | 14.5387% | 4,160 |
| Total risk-based capital ratio | 15.5714% | 4,283 |
| Memoranda: | ||
| Average total assets | $738,127,500 | 909 |
| Average earning assets | $678,349,750 | 895 |
| Average equity | $64,666,500 | 1,104 |
| Average total loans | $346,483,500 | 1,225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 2,515 |
| Cost of funding earning assets | 0.3628% | 6,456 |
| Net interest margin | 4.4351% | 1,119 |
| Noninterest income to average assets | 0.3009% | 5,398 |
| Noninterest expense to average assets | 3.5932% | 1,587 |
| Loan and lease loss provision to assets | 0.8994% | 520 |
| Net operating income to assets | -0.0937% | 6,428 |
| Return on assets (ROA) | 0.2488% | 5,957 |
| Pretax return on assets | 0.2488% | 6,060 |
| Return on Equity (ROE) | 2.8969% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.8969% | 4,704 |
| Net charge-offs to loans | -0.0809% | 6,805 |
| Credit loss provision to net charge-offs | -2,359.8592% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8170% | 2,214 |
| Assets per employee ($millions) | 4.7573% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,504 |
| Loan loss allowance to noncurrent loans | 11.5957% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 6.2193% | 676 |
| Noncurrent loans to loans | 10.0470% | 266 |
| Net loans and leases to total assets | 44.1184% | 6,005 |
| Net loans and leases to deposits | 48.6018% | 6,274 |
| Net loans and leases to core deposits | 49.8319% | 6,347 |
| Total domestic deposits to total assets | 90.7753% | 534 |
| Equity capital to assets | 8.8011% | 5,911 |
| Core capital (leverage) ratio | 7.6122% | 6,561 |
| Tier 1 risk-based capital ratio | 13.3708% | 4,918 |
| Total risk-based capital ratio | 13.5258% | 5,715 |
| Memoranda: | ||
| Average total assets | $745,182,330 | 901 |
| Average earning assets | $688,551,330 | 882 |
| Average equity | $63,999,000 | 1,106 |
| Average total loans | $351,254,670 | 1,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 2,598 |
| Cost of funding earning assets | 0.3786% | 6,508 |
| Net interest margin | 4.4313% | 1,158 |
| Noninterest income to average assets | 0.6100% | 3,162 |
| Noninterest expense to average assets | 3.7830% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9140% | 2,854 |
| Return on assets (ROA) | 0.8895% | 3,191 |
| Pretax return on assets | 0.8895% | 4,068 |
| Return on Equity (ROE) | 10.4832% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.4832% | 1,163 |
| Net charge-offs to loans | -0.0561% | 6,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8078% | 2,378 |
| Assets per employee ($millions) | 4.5958% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0184% | 7,241 |
| Loan loss allowance to noncurrent loans | 0.2366% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 5.7932% | 827 |
| Noncurrent loans to loans | 7.7860% | 510 |
| Net loans and leases to total assets | 47.0937% | 5,673 |
| Net loans and leases to deposits | 51.8488% | 5,983 |
| Net loans and leases to core deposits | 53.3019% | 6,112 |
| Total domestic deposits to total assets | 90.8288% | 629 |
| Equity capital to assets | 8.6168% | 5,974 |
| Core capital (leverage) ratio | 7.6408% | 6,539 |
| Tier 1 risk-based capital ratio | 12.8642% | 5,312 |
| Total risk-based capital ratio | 12.9178% | 6,156 |
| Memoranda: | ||
| Average total assets | $751,459,500 | 891 |
| Average earning assets | $693,068,000 | 875 |
| Average equity | $63,759,000 | 1,105 |
| Average total loans | $363,365,000 | 1,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9258% | 7,328 |
| Cost of funding earning assets | 0.0889% | 7,311 |
| Net interest margin | 0.8369% | 7,322 |
| Noninterest income to average assets | 0.1071% | 6,611 |
| Noninterest expense to average assets | 0.5163% | 7,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3728% | 4,980 |
| Return on assets (ROA) | 0.3716% | 5,157 |
| Pretax return on assets | 0.3733% | 5,371 |
| Return on Equity (ROE) | 10.3769% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.3769% | 495 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5399% | 6,246 |
| Assets per employee ($millions) | 4.5963% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0037% | 7,293 |
| Loan loss allowance to noncurrent loans | 0.1537% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 3.4816% | 1,704 |
| Noncurrent loans to loans | 2.4366% | 2,696 |
| Net loans and leases to total assets | 49.5972% | 5,645 |
| Net loans and leases to deposits | 54.2976% | 6,039 |
| Net loans and leases to core deposits | 55.9863% | 6,159 |
| Total domestic deposits to total assets | 91.3432% | 384 |
| Equity capital to assets | 8.3534% | 6,301 |
| Core capital (leverage) ratio | 7.1862% | 6,796 |
| Tier 1 risk-based capital ratio | 12.0386% | 5,810 |
| Total risk-based capital ratio | 12.0417% | 6,546 |
| Memoranda: | ||
| Average total assets | $808,452,200 | 812 |
| Average earning assets | $757,093,600 | 780 |
| Average equity | $28,949,000 | 2,277 |
| Average total loans | $474,221,200 | 881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 4,035 |
| Cost of funding earning assets | 1.0754% | 3,143 |
| Net interest margin | 3.7197% | 4,248 |
| Noninterest income to average assets | -0.1388% | 7,239 |
| Noninterest expense to average assets | 2.9502% | 3,743 |
| Loan and lease loss provision to assets | 1.3106% | 570 |
| Net operating income to assets | -0.9027% | 6,842 |
| Return on assets (ROA) | -0.7052% | 6,790 |
| Pretax return on assets | -0.7052% | 6,737 |
| Return on Equity (ROE) | -28.3561% | 7,184 |
| Retained earnings to average equity (ytd only) | -28.3561% | 7,176 |
| Net charge-offs to loans | 4.5595% | 119 |
| Credit loss provision to net charge-offs | 47.3265% | 5,093 |
| Earnings coverage of net charge-offs (x) | 0.1473% | 5,496 |
| Efficiency ratio | 87.8538% | 1,357 |
| Assets per employee ($millions) | 4.6689% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4126% | 280 |
| Loan loss allowance to noncurrent loans | 59.8281% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 7.3213% | 651 |
| Noncurrent loans to loans | 7.3754% | 646 |
| Net loans and leases to total assets | 54.5420% | 5,084 |
| Net loans and leases to deposits | 56.2080% | 6,015 |
| Net loans and leases to core deposits | 58.7770% | 6,069 |
| Total domestic deposits to total assets | 97.0361% | 18 |
| Equity capital to assets | 2.4242% | 7,383 |
| Core capital (leverage) ratio | 2.5720% | 7,369 |
| Tier 1 risk-based capital ratio | 4.3231% | 7,358 |
| Total risk-based capital ratio | 5.6081% | 7,359 |
| Memoranda: | ||
| Average total assets | $822,115,500 | 801 |
| Average earning assets | $772,869,250 | 775 |
| Average equity | $20,444,250 | 3,082 |
| Average total loans | $499,307,250 | 849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 4,149 |
| Cost of funding earning assets | 1.0970% | 3,265 |
| Net interest margin | 3.6890% | 4,315 |
| Noninterest income to average assets | -0.1617% | 7,321 |
| Noninterest expense to average assets | 2.9722% | 3,747 |
| Loan and lease loss provision to assets | 1.4284% | 507 |
| Net operating income to assets | -1.0871% | 6,968 |
| Return on assets (ROA) | -1.0755% | 6,977 |
| Pretax return on assets | -1.0755% | 6,921 |
| Return on Equity (ROE) | -42.9202% | 7,321 |
| Retained earnings to average equity (ytd only) | -42.9202% | 7,317 |
| Net charge-offs to loans | 5.0620% | 121 |
| Credit loss provision to net charge-offs | 45.6244% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.1090% | 5,208 |
| Efficiency ratio | 89.7000% | 1,263 |
| Assets per employee ($millions) | 4.7456% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4286% | 293 |
| Loan loss allowance to noncurrent loans | 41.3395% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 8.4616% | 517 |
| Noncurrent loans to loans | 10.7127% | 339 |
| Net loans and leases to total assets | 56.4823% | 4,904 |
| Net loans and leases to deposits | 59.9680% | 5,727 |
| Net loans and leases to core deposits | 62.6797% | 5,837 |
| Total domestic deposits to total assets | 94.1874% | 73 |
| Equity capital to assets | 2.3307% | 7,461 |
| Core capital (leverage) ratio | 2.4654% | 7,453 |
| Tier 1 risk-based capital ratio | 3.8196% | 7,438 |
| Total risk-based capital ratio | 5.1033% | 7,438 |
| Memoranda: | ||
| Average total assets | $840,918,330 | 795 |
| Average earning assets | $792,190,000 | 762 |
| Average equity | $21,071,670 | 2,990 |
| Average total loans | $520,106,000 | 823 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 4,156 |
| Cost of funding earning assets | 1.1557% | 3,118 |
| Net interest margin | 3.6228% | 4,471 |
| Noninterest income to average assets | 0.1072% | 6,875 |
| Noninterest expense to average assets | 3.0793% | 3,340 |
| Loan and lease loss provision to assets | 0.9347% | 847 |
| Net operating income to assets | -0.4769% | 6,794 |
| Return on assets (ROA) | -0.7711% | 6,954 |
| Pretax return on assets | -0.7711% | 6,901 |
| Return on Equity (ROE) | -29.7937% | 7,315 |
| Retained earnings to average equity (ytd only) | -29.7937% | 7,288 |
| Net charge-offs to loans | 3.7677% | 257 |
| Credit loss provision to net charge-offs | 39.2906% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.1924% | 4,467 |
| Efficiency ratio | 87.0568% | 1,607 |
| Assets per employee ($millions) | 4.6193% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8283% | 225 |
| Loan loss allowance to noncurrent loans | 45.8252% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 8.3681% | 546 |
| Noncurrent loans to loans | 10.5364% | 362 |
| Net loans and leases to total assets | 59.0252% | 4,457 |
| Net loans and leases to deposits | 62.7384% | 5,417 |
| Net loans and leases to core deposits | 65.7050% | 5,546 |
| Total domestic deposits to total assets | 94.0814% | 74 |
| Equity capital to assets | 2.5230% | 7,503 |
| Core capital (leverage) ratio | 2.6818% | 7,494 |
| Tier 1 risk-based capital ratio | 4.1923% | 7,486 |
| Total risk-based capital ratio | 5.4833% | 7,486 |
| Memoranda: | ||
| Average total assets | $858,001,000 | 780 |
| Average earning assets | $812,289,500 | 754 |
| Average equity | $22,206,000 | 2,844 |
| Average total loans | $541,765,000 | 800 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 5,326 |
| Cost of funding earning assets | 1.4972% | 2,659 |
| Net interest margin | 3.3293% | 5,874 |
| Noninterest income to average assets | 0.0336% | 7,182 |
| Noninterest expense to average assets | 2.7535% | 4,772 |
| Loan and lease loss provision to assets | 3.1435% | 288 |
| Net operating income to assets | -2.6255% | 7,212 |
| Return on assets (ROA) | -2.3878% | 7,168 |
| Pretax return on assets | -2.4684% | 7,154 |
| Return on Equity (ROE) | -70.0953% | 7,519 |
| Retained earnings to average equity (ytd only) | -70.0953% | 7,518 |
| Net charge-offs to loans | 4.5897% | 230 |
| Credit loss provision to net charge-offs | 101.4345% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.1388% | 5,979 |
| Efficiency ratio | 86.4903% | 1,635 |
| Assets per employee ($millions) | 4.4887% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0296% | 185 |
| Loan loss allowance to noncurrent loans | 40.5435% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 9.2929% | 474 |
| Noncurrent loans to loans | 12.4056% | 265 |
| Net loans and leases to total assets | 60.9913% | 4,491 |
| Net loans and leases to deposits | 64.8705% | 5,528 |
| Net loans and leases to core deposits | 67.8085% | 5,683 |
| Total domestic deposits to total assets | 94.0201% | 89 |
| Equity capital to assets | 2.6506% | 7,578 |
| Core capital (leverage) ratio | 2.6931% | 7,575 |
| Tier 1 risk-based capital ratio | 4.2147% | 7,557 |
| Total risk-based capital ratio | 5.5086% | 7,559 |
| Memoranda: | ||
| Average total assets | $980,722,400 | 672 |
| Average earning assets | $927,870,800 | 647 |
| Average equity | $33,408,800 | 1,979 |
| Average total loans | $662,198,600 | 660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 5,545 |
| Cost of funding earning assets | 1.5334% | 2,754 |
| Net interest margin | 3.2981% | 6,025 |
| Noninterest income to average assets | 0.1001% | 7,044 |
| Noninterest expense to average assets | 2.6627% | 5,040 |
| Loan and lease loss provision to assets | 3.6965% | 181 |
| Net operating income to assets | -3.0265% | 7,455 |
| Return on assets (ROA) | -2.7746% | 7,421 |
| Pretax return on assets | -2.8791% | 7,392 |
| Return on Equity (ROE) | -77.7013% | 7,655 |
| Retained earnings to average equity (ytd only) | -77.7013% | 7,654 |
| Net charge-offs to loans | 5.0067% | 176 |
| Credit loss provision to net charge-offs | 108.1958% | 3,939 |
| Earnings coverage of net charge-offs (x) | 0.1624% | 5,859 |
| Efficiency ratio | 82.7518% | 1,977 |
| Assets per employee ($millions) | 4.8790% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9396% | 182 |
| Loan loss allowance to noncurrent loans | 38.6622% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 9.7912% | 425 |
| Noncurrent loans to loans | 12.7764% | 241 |
| Net loans and leases to total assets | 60.8976% | 4,739 |
| Net loans and leases to deposits | 64.7780% | 5,810 |
| Net loans and leases to core deposits | 68.1786% | 5,920 |
| Total domestic deposits to total assets | 94.0097% | 71 |
| Equity capital to assets | 2.8513% | 7,698 |
| Core capital (leverage) ratio | 2.8038% | 7,689 |
| Tier 1 risk-based capital ratio | 4.3369% | 7,674 |
| Total risk-based capital ratio | 5.6302% | 7,676 |
| Memoranda: | ||
| Average total assets | $1,007,079,000 | 656 |
| Average earning assets | $951,955,750 | 626 |
| Average equity | $35,960,750 | 1,856 |
| Average total loans | $687,216,500 | 636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 5,486 |
| Cost of funding earning assets | 1.5489% | 2,968 |
| Net interest margin | 3.3311% | 5,899 |
| Noninterest income to average assets | 0.0545% | 7,313 |
| Noninterest expense to average assets | 2.6387% | 5,170 |
| Loan and lease loss provision to assets | 4.0112% | 191 |
| Net operating income to assets | -3.2876% | 7,546 |
| Return on assets (ROA) | -3.2442% | 7,545 |
| Pretax return on assets | -3.3980% | 7,527 |
| Return on Equity (ROE) | -85.5573% | 7,713 |
| Retained earnings to average equity (ytd only) | -85.5573% | 7,711 |
| Net charge-offs to loans | 5.2705% | 183 |
| Credit loss provision to net charge-offs | 109.4740% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 5,567 |
| Efficiency ratio | 82.2990% | 2,119 |
| Assets per employee ($millions) | 5.0634% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5367% | 245 |
| Loan loss allowance to noncurrent loans | 46.5102% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 8.1271% | 601 |
| Noncurrent loans to loans | 9.7543% | 461 |
| Net loans and leases to total assets | 63.1250% | 4,439 |
| Net loans and leases to deposits | 68.5414% | 5,486 |
| Net loans and leases to core deposits | 72.1770% | 5,652 |
| Total domestic deposits to total assets | 92.0976% | 205 |
| Equity capital to assets | 3.3679% | 7,734 |
| Core capital (leverage) ratio | 3.1262% | 7,733 |
| Tier 1 risk-based capital ratio | 4.7942% | 7,713 |
| Total risk-based capital ratio | 6.1070% | 7,710 |
| Memoranda: | ||
| Average total assets | $1,027,264,000 | 644 |
| Average earning assets | $971,922,000 | 613 |
| Average equity | $38,951,670 | 1,707 |
| Average total loans | $714,168,000 | 617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 5,265 |
| Cost of funding earning assets | 1.6089% | 2,907 |
| Net interest margin | 3.3325% | 5,851 |
| Noninterest income to average assets | 0.3377% | 5,441 |
| Noninterest expense to average assets | 2.3984% | 6,095 |
| Loan and lease loss provision to assets | 4.6218% | 176 |
| Net operating income to assets | -3.5194% | 7,685 |
| Return on assets (ROA) | -3.5171% | 7,683 |
| Pretax return on assets | -3.5171% | 7,641 |
| Return on Equity (ROE) | -88.1127% | 7,812 |
| Retained earnings to average equity (ytd only) | -88.1127% | 7,808 |
| Net charge-offs to loans | 5.1509% | 230 |
| Credit loss provision to net charge-offs | 126.1599% | 2,790 |
| Earnings coverage of net charge-offs (x) | 0.3009% | 4,774 |
| Efficiency ratio | 68.5106% | 4,626 |
| Assets per employee ($millions) | 5.1795% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2416% | 304 |
| Loan loss allowance to noncurrent loans | 49.3664% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 7.2618% | 725 |
| Noncurrent loans to loans | 8.5922% | 595 |
| Net loans and leases to total assets | 66.1339% | 3,820 |
| Net loans and leases to deposits | 71.9966% | 5,048 |
| Net loans and leases to core deposits | 75.9881% | 5,259 |
| Total domestic deposits to total assets | 91.8570% | 274 |
| Equity capital to assets | 3.7117% | 7,818 |
| Core capital (leverage) ratio | 3.7087% | 7,799 |
| Tier 1 risk-based capital ratio | 5.5260% | 7,771 |
| Total risk-based capital ratio | 6.8328% | 7,772 |
| Memoranda: | ||
| Average total assets | $1,047,213,500 | 650 |
| Average earning assets | $993,971,500 | 613 |
| Average equity | $41,801,000 | 1,594 |
| Average total loans | $744,805,000 | 606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 5,926 |
| Cost of funding earning assets | 2.1391% | 2,282 |
| Net interest margin | 3.0002% | 6,646 |
| Noninterest income to average assets | -0.0656% | 7,776 |
| Noninterest expense to average assets | 2.7219% | 5,291 |
| Loan and lease loss provision to assets | 2.6385% | 734 |
| Net operating income to assets | -2.1421% | 7,142 |
| Return on assets (ROA) | -2.1139% | 7,132 |
| Pretax return on assets | -2.6481% | 7,192 |
| Return on Equity (ROE) | -38.7447% | 7,550 |
| Retained earnings to average equity (ytd only) | -38.7447% | 7,536 |
| Net charge-offs to loans | 2.9527% | 726 |
| Credit loss provision to net charge-offs | 112.3294% | 4,884 |
| Earnings coverage of net charge-offs (x) | -0.0191% | 6,227 |
| Efficiency ratio | 101.1837% | 1,047 |
| Assets per employee ($millions) | 5.2926% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5957% | 491 |
| Loan loss allowance to noncurrent loans | 51.2322% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 6.3542% | 870 |
| Noncurrent loans to loans | 7.0184% | 797 |
| Net loans and leases to total assets | 70.5080% | 3,128 |
| Net loans and leases to deposits | 77.1803% | 4,532 |
| Net loans and leases to core deposits | 104.6489% | 3,499 |
| Total domestic deposits to total assets | 91.3549% | 421 |
| Equity capital to assets | 4.2656% | 7,837 |
| Core capital (leverage) ratio | 4.6568% | 7,792 |
| Tier 1 risk-based capital ratio | 6.1928% | 7,805 |
| Total risk-based capital ratio | 7.4839% | 7,808 |
| Memoranda: | ||
| Average total assets | $1,085,600,200 | 620 |
| Average earning assets | $992,413,400 | 606 |
| Average equity | $59,228,800 | 1,117 |
| Average total loans | $863,606,400 | 545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 5,891 |
| Cost of funding earning assets | 2.2809% | 2,062 |
| Net interest margin | 2.9160% | 6,820 |
| Noninterest income to average assets | 0.4630% | 4,796 |
| Noninterest expense to average assets | 2.8223% | 4,803 |
| Loan and lease loss provision to assets | 1.5774% | 1,202 |
| Net operating income to assets | -1.2950% | 7,011 |
| Return on assets (ROA) | -1.2591% | 7,001 |
| Pretax return on assets | -1.2591% | 6,843 |
| Return on Equity (ROE) | -21.9199% | 7,441 |
| Retained earnings to average equity (ytd only) | -21.9199% | 7,408 |
| Net charge-offs to loans | 2.0550% | 950 |
| Credit loss provision to net charge-offs | 94.6466% | 5,350 |
| Earnings coverage of net charge-offs (x) | 0.1695% | 5,855 |
| Efficiency ratio | 90.7458% | 1,624 |
| Assets per employee ($millions) | 4.5628% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8975% | 726 |
| Loan loss allowance to noncurrent loans | 56.5502% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 5.8955% | 927 |
| Noncurrent loans to loans | 5.1238% | 1,265 |
| Net loans and leases to total assets | 79.6355% | 1,253 |
| Net loans and leases to deposits | 89.4693% | 2,680 |
| Net loans and leases to core deposits | 113.4506% | 2,888 |
| Total domestic deposits to total assets | 89.0088% | 1,187 |
| Equity capital to assets | 5.9013% | 7,875 |
| Core capital (leverage) ratio | 5.6153% | 7,856 |
| Tier 1 risk-based capital ratio | 7.1886% | 7,877 |
| Total risk-based capital ratio | 8.4692% | 7,876 |
| Memoranda: | ||
| Average total assets | $1,092,370,250 | 625 |
| Average earning assets | $989,644,500 | 620 |
| Average equity | $62,748,000 | 1,065 |
| Average total loans | $885,963,500 | 553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 6,739 |
| Cost of funding earning assets | 2.3464% | 2,176 |
| Net interest margin | 2.6624% | 7,281 |
| Noninterest income to average assets | 0.5421% | 4,097 |
| Noninterest expense to average assets | 2.8558% | 4,702 |
| Loan and lease loss provision to assets | 1.4379% | 1,211 |
| Net operating income to assets | -1.3330% | 7,177 |
| Return on assets (ROA) | -1.2744% | 7,157 |
| Pretax return on assets | -1.2744% | 6,978 |
| Return on Equity (ROE) | -22.3694% | 7,571 |
| Retained earnings to average equity (ytd only) | -22.3694% | 7,528 |
| Net charge-offs to loans | 2.2239% | 817 |
| Credit loss provision to net charge-offs | 79.9901% | 5,202 |
| Earnings coverage of net charge-offs (x) | 0.0584% | 5,617 |
| Efficiency ratio | 96.2800% | 1,355 |
| Assets per employee ($millions) | 4.6266% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6037% | 819 |
| Loan loss allowance to noncurrent loans | 51.1618% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 5.3702% | 943 |
| Noncurrent loans to loans | 5.0892% | 1,194 |
| Net loans and leases to total assets | 76.7175% | 2,011 |
| Net loans and leases to deposits | 85.5420% | 3,638 |
| Net loans and leases to core deposits | 107.3339% | 3,685 |
| Total domestic deposits to total assets | 89.6840% | 965 |
| Equity capital to assets | 5.5844% | 7,992 |
| Core capital (leverage) ratio | 5.6106% | 7,971 |
| Tier 1 risk-based capital ratio | 7.1378% | 7,996 |
| Total risk-based capital ratio | 8.4108% | 8,002 |
| Memoranda: | ||
| Average total assets | $1,120,368,330 | 614 |
| Average earning assets | $1,017,797,000 | 615 |
| Average equity | $63,828,330 | 1,063 |
| Average total loans | $905,622,330 | 551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 7,000 |
| Cost of funding earning assets | 2.4787% | 1,997 |
| Net interest margin | 2.4951% | 7,507 |
| Noninterest income to average assets | 0.6466% | 3,218 |
| Noninterest expense to average assets | 2.5263% | 5,739 |
| Loan and lease loss provision to assets | 1.3287% | 966 |
| Net operating income to assets | -0.9457% | 7,218 |
| Return on assets (ROA) | -1.1354% | 7,337 |
| Pretax return on assets | -1.1354% | 7,218 |
| Return on Equity (ROE) | -19.7385% | 7,746 |
| Retained earnings to average equity (ytd only) | -19.7385% | 7,636 |
| Net charge-offs to loans | 0.8841% | 1,482 |
| Credit loss provision to net charge-offs | 183.6275% | 2,369 |
| Earnings coverage of net charge-offs (x) | 0.5294% | 4,567 |
| Efficiency ratio | 86.6618% | 2,003 |
| Assets per employee ($millions) | 4.2793% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9015% | 526 |
| Loan loss allowance to noncurrent loans | 60.3765% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 5.2550% | 833 |
| Noncurrent loans to loans | 4.8057% | 1,153 |
| Net loans and leases to total assets | 77.3201% | 1,967 |
| Net loans and leases to deposits | 86.0218% | 3,628 |
| Net loans and leases to core deposits | 109.2073% | 3,540 |
| Total domestic deposits to total assets | 89.8843% | 851 |
| Equity capital to assets | 5.5376% | 8,068 |
| Core capital (leverage) ratio | 5.6682% | 8,058 |
| Tier 1 risk-based capital ratio | 6.6494% | 8,117 |
| Total risk-based capital ratio | 7.9177% | 8,125 |
| Memoranda: | ||
| Average total assets | $1,127,678,500 | 613 |
| Average earning assets | $1,022,636,500 | 610 |
| Average equity | $64,868,000 | 1,052 |
| Average total loans | $922,943,500 | 547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 5,343 |
| Cost of funding earning assets | 2.7314% | 3,015 |
| Net interest margin | 3.3105% | 6,001 |
| Noninterest income to average assets | 0.6807% | 3,239 |
| Noninterest expense to average assets | 3.5315% | 2,311 |
| Loan and lease loss provision to assets | 2.6115% | 389 |
| Net operating income to assets | -2.9172% | 7,810 |
| Return on assets (ROA) | -2.9825% | 7,790 |
| Pretax return on assets | -2.5630% | 7,606 |
| Return on Equity (ROE) | -36.0860% | 8,037 |
| Retained earnings to average equity (ytd only) | -38.4519% | 8,027 |
| Net charge-offs to loans | 2.4624% | 397 |
| Credit loss provision to net charge-offs | 131.0223% | 4,064 |
| Earnings coverage of net charge-offs (x) | 0.0571% | 6,216 |
| Efficiency ratio | 71.1474% | 4,096 |
| Assets per employee ($millions) | 4.0762% | 3,352 |
| Cash dividends to net income (ytd only)* | -6.5563% | 7,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6380% | 591 |
| Loan loss allowance to noncurrent loans | 48.6993% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 5.0572% | 681 |
| Noncurrent loans to loans | 5.4169% | 767 |
| Net loans and leases to total assets | 81.8987% | 1,246 |
| Net loans and leases to deposits | 90.6167% | 3,346 |
| Net loans and leases to core deposits | 114.2442% | 3,311 |
| Total domestic deposits to total assets | 90.3793% | 529 |
| Equity capital to assets | 5.9729% | 8,067 |
| Core capital (leverage) ratio | 5.9962% | 8,080 |
| Tier 1 risk-based capital ratio | 6.8754% | 8,178 |
| Total risk-based capital ratio | 8.1410% | 8,186 |
| Memoranda: | ||
| Average total assets | $1,154,235,000 | 576 |
| Average earning assets | $1,033,640,200 | 585 |
| Average equity | $95,397,200 | 700 |
| Average total loans | $934,294,000 | 528 |