Home > Bank of St. Augustine > Performance and Condition Ratios
Bank of St. Augustine, Performance and Condition Ratios
| 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 | 4.2523% | 3,146 |
| Cost of funding earning assets | 0.6332% | 2,651 |
| Net interest margin | 3.6191% | 3,287 |
| Noninterest income to average assets | 0.4223% | 4,362 |
| Noninterest expense to average assets | 3.3001% | 2,072 |
| Loan and lease loss provision to assets | 0.2819% | 1,296 |
| Net operating income to assets | 0.0894% | 6,150 |
| Return on assets (ROA) | 0.1056% | 6,209 |
| Pretax return on assets | 0.1703% | 6,126 |
| Return on Equity (ROE) | 1.2264% | 6,161 |
| Retained earnings to average equity (ytd only) | 1.2264% | 5,409 |
| Net charge-offs to loans | 0.2496% | 2,234 |
| Credit loss provision to net charge-offs | 145.9627% | 1,571 |
| Earnings coverage of net charge-offs (x) | 2.2112% | 3,791 |
| Efficiency ratio | 88.5420% | 1,165 |
| Assets per employee ($millions) | 3.4965% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 1,480 |
| Loan loss allowance to noncurrent loans | 61.9895% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.2833% | 780 |
| Noncurrent loans to loans | 3.5044% | 1,216 |
| Net loans and leases to total assets | 74.4534% | 1,182 |
| Net loans and leases to deposits | 86.6787% | 1,489 |
| Net loans and leases to core deposits | 91.2306% | 1,788 |
| Total domestic deposits to total assets | 85.8959% | 3,425 |
| Equity capital to assets | 8.7066% | 5,540 |
| Core capital (leverage) ratio | 8.1623% | 6,047 |
| Tier 1 risk-based capital ratio | 11.8377% | 5,892 |
| Total risk-based capital ratio | 13.1028% | 5,833 |
| Memoranda: | ||
| Average total assets | $166,722,330 | 3,513 |
| Average earning assets | $152,248,330 | 3,509 |
| Average equity | $14,351,000 | 4,080 |
| Average total loans | $128,992,330 | 2,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 3,153 |
| Cost of funding earning assets | 0.7487% | 1,861 |
| Net interest margin | 3.4906% | 3,741 |
| Noninterest income to average assets | 0.3978% | 4,473 |
| Noninterest expense to average assets | 3.1230% | 2,606 |
| Loan and lease loss provision to assets | 0.3216% | 1,046 |
| Net operating income to assets | 0.0871% | 6,172 |
| Return on assets (ROA) | 0.1191% | 6,206 |
| Pretax return on assets | 0.1906% | 6,098 |
| Return on Equity (ROE) | 1.3915% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.3915% | 5,281 |
| Net charge-offs to loans | -0.0061% | 5,308 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1096% | 1,407 |
| Assets per employee ($millions) | 3.2331% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 1,711 |
| Loan loss allowance to noncurrent loans | 57.2960% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 4.4504% | 840 |
| Noncurrent loans to loans | 3.7318% | 1,256 |
| Net loans and leases to total assets | 75.6834% | 879 |
| Net loans and leases to deposits | 87.8104% | 1,166 |
| Net loans and leases to core deposits | 92.2971% | 1,478 |
| Total domestic deposits to total assets | 86.1896% | 3,423 |
| Equity capital to assets | 8.6165% | 5,899 |
| Core capital (leverage) ratio | 8.0047% | 6,139 |
| Tier 1 risk-based capital ratio | 11.5436% | 6,160 |
| Total risk-based capital ratio | 12.7768% | 6,142 |
| Memoranda: | ||
| Average total assets | $167,916,000 | 3,538 |
| Average earning assets | $153,327,500 | 3,535 |
| Average equity | $14,372,500 | 4,124 |
| Average total loans | $130,953,500 | 2,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 4,181 |
| Cost of funding earning assets | 0.8011% | 2,658 |
| Net interest margin | 3.5006% | 4,499 |
| Noninterest income to average assets | 0.3584% | 4,916 |
| Noninterest expense to average assets | 3.0188% | 3,204 |
| Loan and lease loss provision to assets | 1.2556% | 280 |
| Net operating income to assets | 0.0398% | 6,101 |
| Return on assets (ROA) | 0.1125% | 6,130 |
| Pretax return on assets | -0.6207% | 6,625 |
| Return on Equity (ROE) | 1.4489% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.4489% | 5,145 |
| Net charge-offs to loans | 1.5841% | 538 |
| Credit loss provision to net charge-offs | 104.1256% | 2,872 |
| Earnings coverage of net charge-offs (x) | 0.4323% | 5,271 |
| Efficiency ratio | 85.2763% | 1,495 |
| Assets per employee ($millions) | 3.2885% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 2,007 |
| Loan loss allowance to noncurrent loans | 46.3684% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 5.3401% | 710 |
| Noncurrent loans to loans | 4.3218% | 1,017 |
| Net loans and leases to total assets | 77.0637% | 781 |
| Net loans and leases to deposits | 90.5102% | 1,028 |
| Net loans and leases to core deposits | 96.2446% | 1,284 |
| Total domestic deposits to total assets | 85.1436% | 3,800 |
| Equity capital to assets | 8.5021% | 6,053 |
| Core capital (leverage) ratio | 7.8355% | 6,322 |
| Tier 1 risk-based capital ratio | 10.9454% | 6,369 |
| Total risk-based capital ratio | 12.2080% | 6,327 |
| Memoranda: | ||
| Average total assets | $176,893,600 | 3,348 |
| Average earning assets | $160,772,000 | 3,367 |
| Average equity | $13,734,400 | 4,218 |
| Average total loans | $134,649,000 | 2,798 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 4,301 |
| Cost of funding earning assets | 0.8505% | 2,531 |
| Net interest margin | 3.4880% | 4,689 |
| Noninterest income to average assets | 0.3586% | 4,956 |
| Noninterest expense to average assets | 2.9689% | 3,344 |
| Loan and lease loss provision to assets | 1.2478% | 290 |
| Net operating income to assets | 0.2285% | 5,844 |
| Return on assets (ROA) | 0.2961% | 5,826 |
| Pretax return on assets | -0.5819% | 6,737 |
| Return on Equity (ROE) | 3.9009% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.9009% | 4,142 |
| Net charge-offs to loans | 1.5250% | 559 |
| Credit loss provision to net charge-offs | 108.3333% | 2,710 |
| Earnings coverage of net charge-offs (x) | 0.4864% | 5,073 |
| Efficiency ratio | 84.1240% | 1,578 |
| Assets per employee ($millions) | 3.3864% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 2,101 |
| Loan loss allowance to noncurrent loans | 53.4874% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.8875% | 919 |
| Noncurrent loans to loans | 3.7832% | 1,402 |
| Net loans and leases to total assets | 78.3162% | 694 |
| Net loans and leases to deposits | 91.9872% | 974 |
| Net loans and leases to core deposits | 98.8311% | 1,204 |
| Total domestic deposits to total assets | 85.1382% | 3,690 |
| Equity capital to assets | 8.4256% | 6,324 |
| Core capital (leverage) ratio | 7.8050% | 6,465 |
| Tier 1 risk-based capital ratio | 10.8818% | 6,524 |
| Total risk-based capital ratio | 12.1447% | 6,507 |
| Memoranda: | ||
| Average total assets | $179,189,000 | 3,366 |
| Average earning assets | $162,879,500 | 3,372 |
| Average equity | $13,603,250 | 4,279 |
| Average total loans | $135,339,250 | 2,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 4,826 |
| Cost of funding earning assets | 0.8186% | 3,045 |
| Net interest margin | 3.4179% | 5,012 |
| Noninterest income to average assets | 0.3475% | 5,060 |
| Noninterest expense to average assets | 2.9378% | 3,483 |
| Loan and lease loss provision to assets | 1.5816% | 220 |
| Net operating income to assets | 0.3019% | 5,616 |
| Return on assets (ROA) | 0.3682% | 5,572 |
| Pretax return on assets | -0.9575% | 6,885 |
| Return on Equity (ROE) | 5.0158% | 4,803 |
| Retained earnings to average equity (ytd only) | 5.0158% | 3,274 |
| Net charge-offs to loans | 1.9950% | 421 |
| Credit loss provision to net charge-offs | 106.8433% | 2,550 |
| Earnings coverage of net charge-offs (x) | 0.3517% | 4,904 |
| Efficiency ratio | 84.9449% | 1,541 |
| Assets per employee ($millions) | 3.6390% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 2,295 |
| Loan loss allowance to noncurrent loans | 52.7805% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 5.0087% | 952 |
| Noncurrent loans to loans | 3.7437% | 1,507 |
| Net loans and leases to total assets | 73.6717% | 1,300 |
| Net loans and leases to deposits | 87.0150% | 1,476 |
| Net loans and leases to core deposits | 97.0830% | 1,341 |
| Total domestic deposits to total assets | 84.6655% | 4,022 |
| Equity capital to assets | 7.6176% | 6,753 |
| Core capital (leverage) ratio | 6.9796% | 6,827 |
| Tier 1 risk-based capital ratio | 10.0390% | 6,813 |
| Total risk-based capital ratio | 11.3085% | 6,790 |
| Memoranda: | ||
| Average total assets | $183,607,000 | 3,301 |
| Average earning assets | $167,118,330 | 3,310 |
| Average equity | $13,477,330 | 4,303 |
| Average total loans | $136,239,670 | 2,812 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 5,604 |
| Cost of funding earning assets | 0.8430% | 3,121 |
| Net interest margin | 3.2076% | 5,764 |
| Noninterest income to average assets | 0.3093% | 5,411 |
| Noninterest expense to average assets | 2.8907% | 3,663 |
| Loan and lease loss provision to assets | 2.3666% | 109 |
| Net operating income to assets | 0.6449% | 4,140 |
| Return on assets (ROA) | 0.7109% | 4,049 |
| Pretax return on assets | -1.9114% | 7,129 |
| Return on Equity (ROE) | 9.8626% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.8626% | 1,300 |
| Net charge-offs to loans | 2.8656% | 262 |
| Credit loss provision to net charge-offs | 111.9919% | 2,102 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,289 |
| Efficiency ratio | 89.1391% | 1,164 |
| Assets per employee ($millions) | 3.8002% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 2,497 |
| Loan loss allowance to noncurrent loans | 57.0179% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.3000% | 1,264 |
| Noncurrent loans to loans | 3.4341% | 1,821 |
| Net loans and leases to total assets | 71.8771% | 1,422 |
| Net loans and leases to deposits | 84.1571% | 1,646 |
| Net loans and leases to core deposits | 96.2331% | 1,285 |
| Total domestic deposits to total assets | 85.4083% | 3,832 |
| Equity capital to assets | 7.2596% | 6,862 |
| Core capital (leverage) ratio | 6.6061% | 6,953 |
| Tier 1 risk-based capital ratio | 9.6396% | 6,947 |
| Total risk-based capital ratio | 10.9006% | 6,939 |
| Memoranda: | ||
| Average total assets | $186,255,500 | 3,278 |
| Average earning assets | $170,344,000 | 3,283 |
| Average equity | $13,424,500 | 4,320 |
| Average total loans | $137,353,500 | 2,820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 5,004 |
| Cost of funding earning assets | 1.0483% | 3,035 |
| Net interest margin | 3.4684% | 5,259 |
| Noninterest income to average assets | 0.3221% | 5,241 |
| Noninterest expense to average assets | 2.8485% | 4,167 |
| Loan and lease loss provision to assets | 0.9435% | 1,020 |
| Net operating income to assets | -0.3031% | 6,348 |
| Return on assets (ROA) | -0.2211% | 6,343 |
| Pretax return on assets | -0.2211% | 6,296 |
| Return on Equity (ROE) | -2.9912% | 6,407 |
| Retained earnings to average equity (ytd only) | -2.9912% | 6,270 |
| Net charge-offs to loans | 1.1270% | 1,517 |
| Credit loss provision to net charge-offs | 112.3545% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.7626% | 5,229 |
| Efficiency ratio | 81.0369% | 2,155 |
| Assets per employee ($millions) | 3.9639% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 3,040 |
| Loan loss allowance to noncurrent loans | 55.9573% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 4.1851% | 1,350 |
| Noncurrent loans to loans | 3.1217% | 2,071 |
| Net loans and leases to total assets | 72.8807% | 1,479 |
| Net loans and leases to deposits | 85.2166% | 1,775 |
| Net loans and leases to core deposits | 100.5123% | 1,133 |
| Total domestic deposits to total assets | 85.5241% | 3,580 |
| Equity capital to assets | 7.1555% | 6,922 |
| Core capital (leverage) ratio | 7.0268% | 6,852 |
| Tier 1 risk-based capital ratio | 10.3688% | 6,748 |
| Total risk-based capital ratio | 11.6267% | 6,717 |
| Memoranda: | ||
| Average total assets | $184,096,400 | 3,272 |
| Average earning assets | $168,086,800 | 3,277 |
| Average equity | $13,606,600 | 4,215 |
| Average total loans | $137,183,800 | 2,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 4,950 |
| Cost of funding earning assets | 1.0901% | 3,043 |
| Net interest margin | 3.4893% | 5,231 |
| Noninterest income to average assets | 0.3000% | 5,465 |
| Noninterest expense to average assets | 2.8461% | 4,164 |
| Loan and lease loss provision to assets | 0.5644% | 1,741 |
| Net operating income to assets | 0.0726% | 6,022 |
| Return on assets (ROA) | 0.1453% | 5,969 |
| Pretax return on assets | 0.1453% | 6,012 |
| Return on Equity (ROE) | 1.9499% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.9499% | 5,163 |
| Net charge-offs to loans | 0.7439% | 2,077 |
| Credit loss provision to net charge-offs | 101.7016% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.1479% | 4,762 |
| Efficiency ratio | 81.0428% | 2,104 |
| Assets per employee ($millions) | 4.0327% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 3,451 |
| Loan loss allowance to noncurrent loans | 138.2808% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 2.7646% | 2,353 |
| Noncurrent loans to loans | 1.1924% | 4,551 |
| Net loans and leases to total assets | 70.3682% | 2,002 |
| Net loans and leases to deposits | 82.8780% | 2,192 |
| Net loans and leases to core deposits | 97.5006% | 1,468 |
| Total domestic deposits to total assets | 84.9058% | 3,812 |
| Equity capital to assets | 7.3611% | 6,964 |
| Core capital (leverage) ratio | 7.2285% | 6,891 |
| Tier 1 risk-based capital ratio | 10.8058% | 6,657 |
| Total risk-based capital ratio | 12.0624% | 6,636 |
| Memoranda: | ||
| Average total assets | $183,544,750 | 3,299 |
| Average earning assets | $167,442,500 | 3,295 |
| Average equity | $13,675,500 | 4,197 |
| Average total loans | $136,931,500 | 2,886 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 4,811 |
| Cost of funding earning assets | 1.1359% | 2,989 |
| Net interest margin | 3.5007% | 5,164 |
| Noninterest income to average assets | 0.3327% | 5,230 |
| Noninterest expense to average assets | 2.8797% | 4,104 |
| Loan and lease loss provision to assets | 0.6081% | 1,579 |
| Net operating income to assets | 0.0430% | 6,139 |
| Return on assets (ROA) | 0.1091% | 6,075 |
| Pretax return on assets | 0.1091% | 6,091 |
| Return on Equity (ROE) | 1.4577% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.4577% | 5,260 |
| Net charge-offs to loans | 0.8124% | 1,878 |
| Credit loss provision to net charge-offs | 98.9247% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.0591% | 4,497 |
| Efficiency ratio | 80.7488% | 2,269 |
| Assets per employee ($millions) | 3.7104% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,605 |
| Loan loss allowance to noncurrent loans | 73.1683% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.0895% | 2,171 |
| Noncurrent loans to loans | 2.2200% | 3,205 |
| Net loans and leases to total assets | 73.8537% | 1,441 |
| Net loans and leases to deposits | 87.5227% | 1,569 |
| Net loans and leases to core deposits | 103.6113% | 1,070 |
| Total domestic deposits to total assets | 84.3824% | 4,178 |
| Equity capital to assets | 7.5459% | 6,924 |
| Core capital (leverage) ratio | 7.4751% | 6,757 |
| Tier 1 risk-based capital ratio | 10.7170% | 6,706 |
| Total risk-based capital ratio | 11.9733% | 6,684 |
| Memoranda: | ||
| Average total assets | $181,547,670 | 3,344 |
| Average earning assets | $165,854,330 | 3,340 |
| Average equity | $13,583,330 | 4,203 |
| Average total loans | $137,372,330 | 2,903 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 4,769 |
| Cost of funding earning assets | 1.1712% | 3,011 |
| Net interest margin | 3.4726% | 5,135 |
| Noninterest income to average assets | 0.3704% | 4,948 |
| Noninterest expense to average assets | 3.0096% | 3,603 |
| Loan and lease loss provision to assets | 0.4410% | 2,001 |
| Net operating income to assets | 0.0970% | 6,102 |
| Return on assets (ROA) | 0.1477% | 6,009 |
| Pretax return on assets | 0.1477% | 6,063 |
| Return on Equity (ROE) | 1.9829% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.9829% | 4,938 |
| Net charge-offs to loans | 0.5341% | 2,157 |
| Credit loss provision to net charge-offs | 108.6957% | 2,452 |
| Earnings coverage of net charge-offs (x) | 1.3261% | 3,682 |
| Efficiency ratio | 84.0273% | 1,952 |
| Assets per employee ($millions) | 3.8687% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,637 |
| Loan loss allowance to noncurrent loans | 66.5865% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 3.2882% | 2,084 |
| Noncurrent loans to loans | 2.4387% | 3,052 |
| Net loans and leases to total assets | 73.8327% | 1,372 |
| Net loans and leases to deposits | 87.3853% | 1,535 |
| Net loans and leases to core deposits | 102.9596% | 1,130 |
| Total domestic deposits to total assets | 84.4910% | 4,274 |
| Equity capital to assets | 7.4289% | 6,905 |
| Core capital (leverage) ratio | 7.4493% | 6,758 |
| Tier 1 risk-based capital ratio | 10.6601% | 6,715 |
| Total risk-based capital ratio | 11.9159% | 6,697 |
| Memoranda: | ||
| Average total assets | $181,417,500 | 3,371 |
| Average earning assets | $165,983,000 | 3,362 |
| Average equity | $13,515,500 | 4,216 |
| Average total loans | $137,814,000 | 2,932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 4,749 |
| Cost of funding earning assets | 1.4100% | 3,201 |
| Net interest margin | 3.5482% | 5,046 |
| Noninterest income to average assets | 0.3459% | 5,327 |
| Noninterest expense to average assets | 2.6945% | 5,016 |
| Loan and lease loss provision to assets | 0.9236% | 1,769 |
| Net operating income to assets | -0.0101% | 5,852 |
| Return on assets (ROA) | 0.0358% | 5,877 |
| Pretax return on assets | 0.0358% | 5,823 |
| Return on Equity (ROE) | 0.4726% | 5,835 |
| Retained earnings to average equity (ytd only) | 0.4726% | 5,344 |
| Net charge-offs to loans | 1.1127% | 2,000 |
| Credit loss provision to net charge-offs | 103.6432% | 4,339 |
| Earnings coverage of net charge-offs (x) | 1.0251% | 5,089 |
| Efficiency ratio | 74.2166% | 3,353 |
| Assets per employee ($millions) | 3.8512% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,384 |
| Loan loss allowance to noncurrent loans | 62.3904% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 3.1927% | 2,218 |
| Noncurrent loans to loans | 1.9661% | 3,611 |
| Net loans and leases to total assets | 75.9399% | 1,284 |
| Net loans and leases to deposits | 89.9457% | 1,531 |
| Net loans and leases to core deposits | 108.1684% | 1,034 |
| Total domestic deposits to total assets | 84.4286% | 4,159 |
| Equity capital to assets | 7.4711% | 6,893 |
| Core capital (leverage) ratio | 7.4496% | 6,745 |
| Tier 1 risk-based capital ratio | 10.4899% | 6,709 |
| Total risk-based capital ratio | 11.7411% | 6,684 |
| Memoranda: | ||
| Average total assets | $178,657,000 | 3,401 |
| Average earning assets | $164,253,000 | 3,373 |
| Average equity | $13,541,600 | 4,250 |
| Average total loans | $143,076,400 | 2,884 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 4,612 |
| Cost of funding earning assets | 1.4593% | 3,223 |
| Net interest margin | 3.5846% | 4,947 |
| Noninterest income to average assets | 0.3512% | 5,363 |
| Noninterest expense to average assets | 2.5832% | 5,391 |
| Loan and lease loss provision to assets | 1.0295% | 1,436 |
| Net operating income to assets | 0.0344% | 5,916 |
| Return on assets (ROA) | 0.0786% | 5,963 |
| Pretax return on assets | 0.0786% | 5,953 |
| Return on Equity (ROE) | 1.0335% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.0335% | 5,399 |
| Net charge-offs to loans | 1.0986% | 1,849 |
| Credit loss provision to net charge-offs | 115.8382% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.1971% | 4,869 |
| Efficiency ratio | 70.3962% | 3,986 |
| Assets per employee ($millions) | 4.1060% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,923 |
| Loan loss allowance to noncurrent loans | 98.2888% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 2,626 |
| Noncurrent loans to loans | 1.3303% | 4,640 |
| Net loans and leases to total assets | 76.7920% | 1,263 |
| Net loans and leases to deposits | 92.3896% | 1,396 |
| Net loans and leases to core deposits | 111.0770% | 978 |
| Total domestic deposits to total assets | 83.1176% | 4,542 |
| Equity capital to assets | 7.5893% | 7,069 |
| Core capital (leverage) ratio | 7.4925% | 6,851 |
| Tier 1 risk-based capital ratio | 10.3514% | 6,861 |
| Total risk-based capital ratio | 11.6030% | 6,862 |
| Memoranda: | ||
| Average total assets | $178,070,000 | 3,451 |
| Average earning assets | $163,731,500 | 3,427 |
| Average equity | $13,546,250 | 4,317 |
| Average total loans | $144,055,000 | 2,906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 4,552 |
| Cost of funding earning assets | 1.4790% | 3,373 |
| Net interest margin | 3.6026% | 4,800 |
| Noninterest income to average assets | 0.3510% | 5,342 |
| Noninterest expense to average assets | 2.5507% | 5,518 |
| Loan and lease loss provision to assets | 1.1286% | 1,274 |
| Net operating income to assets | -0.0102% | 6,092 |
| Return on assets (ROA) | 0.0260% | 6,141 |
| Pretax return on assets | 0.0260% | 6,110 |
| Return on Equity (ROE) | 0.3410% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.3410% | 5,623 |
| Net charge-offs to loans | 1.2450% | 1,532 |
| Credit loss provision to net charge-offs | 110.6195% | 3,671 |
| Earnings coverage of net charge-offs (x) | 1.0962% | 4,697 |
| Efficiency ratio | 69.0557% | 4,368 |
| Assets per employee ($millions) | 4.4091% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,360 |
| Loan loss allowance to noncurrent loans | 136.9122% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2443% | 3,209 |
| Noncurrent loans to loans | 0.8893% | 5,490 |
| Net loans and leases to total assets | 76.5385% | 1,380 |
| Net loans and leases to deposits | 91.5371% | 1,608 |
| Net loans and leases to core deposits | 113.3660% | 954 |
| Total domestic deposits to total assets | 83.6147% | 4,287 |
| Equity capital to assets | 7.3532% | 7,194 |
| Core capital (leverage) ratio | 7.2641% | 7,023 |
| Tier 1 risk-based capital ratio | 10.0758% | 6,985 |
| Total risk-based capital ratio | 11.3264% | 6,960 |
| Memoranda: | ||
| Average total assets | $177,206,000 | 3,478 |
| Average earning assets | $163,216,000 | 3,459 |
| Average equity | $13,491,330 | 4,328 |
| Average total loans | $145,216,000 | 2,917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 4,200 |
| Cost of funding earning assets | 1.5063% | 3,512 |
| Net interest margin | 3.6631% | 4,426 |
| Noninterest income to average assets | 0.4157% | 4,770 |
| Noninterest expense to average assets | 2.6094% | 5,319 |
| Loan and lease loss provision to assets | 1.3855% | 864 |
| Net operating income to assets | -0.1986% | 6,542 |
| Return on assets (ROA) | -0.1986% | 6,612 |
| Pretax return on assets | -0.1986% | 6,556 |
| Return on Equity (ROE) | -2.5617% | 6,704 |
| Retained earnings to average equity (ytd only) | -2.5617% | 6,304 |
| Net charge-offs to loans | 1.5690% | 1,107 |
| Credit loss provision to net charge-offs | 104.7120% | 3,271 |
| Earnings coverage of net charge-offs (x) | 0.8970% | 4,242 |
| Efficiency ratio | 68.3090% | 4,657 |
| Assets per employee ($millions) | 4.0962% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,743 |
| Loan loss allowance to noncurrent loans | 51.2531% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.9193% | 2,456 |
| Noncurrent loans to loans | 2.2551% | 3,454 |
| Net loans and leases to total assets | 81.4247% | 657 |
| Net loans and leases to deposits | 98.2335% | 889 |
| Net loans and leases to core deposits | 124.1916% | 642 |
| Total domestic deposits to total assets | 82.8889% | 4,686 |
| Equity capital to assets | 7.6077% | 6,987 |
| Core capital (leverage) ratio | 7.5710% | 6,772 |
| Tier 1 risk-based capital ratio | 9.9014% | 7,092 |
| Total risk-based capital ratio | 11.1471% | 7,088 |
| Memoranda: | ||
| Average total assets | $173,217,000 | 3,607 |
| Average earning assets | $159,866,500 | 3,568 |
| Average equity | $13,428,500 | 4,371 |
| Average total loans | $146,082,000 | 2,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 3,734 |
| Cost of funding earning assets | 2.1390% | 2,283 |
| Net interest margin | 3.4355% | 5,236 |
| Noninterest income to average assets | 0.2092% | 6,607 |
| Noninterest expense to average assets | 2.9650% | 4,281 |
| Loan and lease loss provision to assets | 1.2176% | 1,884 |
| Net operating income to assets | -0.8009% | 6,439 |
| Return on assets (ROA) | -0.6999% | 6,361 |
| Pretax return on assets | -0.6999% | 6,187 |
| Return on Equity (ROE) | -8.8864% | 6,532 |
| Retained earnings to average equity (ytd only) | -8.8864% | 6,418 |
| Net charge-offs to loans | 1.1634% | 2,103 |
| Credit loss provision to net charge-offs | 121.4029% | 4,383 |
| Earnings coverage of net charge-offs (x) | 0.4155% | 5,689 |
| Efficiency ratio | 87.0199% | 1,992 |
| Assets per employee ($millions) | 3.7021% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,798 |
| Loan loss allowance to noncurrent loans | 37.2629% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 2.9801% | 2,354 |
| Noncurrent loans to loans | 3.0109% | 2,560 |
| Net loans and leases to total assets | 85.3908% | 316 |
| Net loans and leases to deposits | 106.0632% | 546 |
| Net loans and leases to core deposits | 171.0036% | 227 |
| Total domestic deposits to total assets | 80.5093% | 5,509 |
| Equity capital to assets | 7.9021% | 6,669 |
| Core capital (leverage) ratio | 7.8804% | 6,343 |
| Tier 1 risk-based capital ratio | 9.9868% | 6,882 |
| Total risk-based capital ratio | 11.2149% | 6,879 |
| Memoranda: | ||
| Average total assets | $166,309,000 | 3,667 |
| Average earning assets | $153,575,000 | 3,645 |
| Average equity | $13,098,600 | 4,488 |
| Average total loans | $143,368,800 | 3,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 3,370 |
| Cost of funding earning assets | 2.3055% | 1,965 |
| Net interest margin | 3.3884% | 5,321 |
| Noninterest income to average assets | 0.2016% | 6,772 |
| Noninterest expense to average assets | 2.9076% | 4,423 |
| Loan and lease loss provision to assets | 0.9348% | 2,058 |
| Net operating income to assets | -0.5113% | 6,434 |
| Return on assets (ROA) | -0.4041% | 6,324 |
| Pretax return on assets | -0.4041% | 6,203 |
| Return on Equity (ROE) | -5.1348% | 6,469 |
| Retained earnings to average equity (ytd only) | -5.1348% | 6,275 |
| Net charge-offs to loans | 0.8864% | 2,191 |
| Credit loss provision to net charge-offs | 122.3865% | 4,141 |
| Earnings coverage of net charge-offs (x) | 0.5544% | 5,474 |
| Efficiency ratio | 86.6102% | 2,005 |
| Assets per employee ($millions) | 3.7891% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 6,057 |
| Loan loss allowance to noncurrent loans | 45.2904% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8380% | 2,455 |
| Noncurrent loans to loans | 2.2995% | 3,267 |
| Net loans and leases to total assets | 83.8700% | 559 |
| Net loans and leases to deposits | 101.4148% | 975 |
| Net loans and leases to core deposits | 149.7968% | 585 |
| Total domestic deposits to total assets | 82.6999% | 4,361 |
| Equity capital to assets | 7.4401% | 7,345 |
| Core capital (leverage) ratio | 7.3831% | 7,096 |
| Tier 1 risk-based capital ratio | 9.5771% | 7,321 |
| Total risk-based capital ratio | 10.7228% | 7,354 |
| Memoranda: | ||
| Average total assets | $165,312,000 | 3,702 |
| Average earning assets | $152,676,000 | 3,677 |
| Average equity | $13,009,000 | 4,530 |
| Average total loans | $142,444,000 | 3,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7730% | 3,178 |
| Cost of funding earning assets | 2.4382% | 1,820 |
| Net interest margin | 3.3348% | 5,419 |
| Noninterest income to average assets | 0.2531% | 6,470 |
| Noninterest expense to average assets | 2.9160% | 4,447 |
| Loan and lease loss provision to assets | 0.8791% | 1,916 |
| Net operating income to assets | -0.4634% | 6,510 |
| Return on assets (ROA) | -0.3986% | 6,455 |
| Pretax return on assets | -0.3986% | 6,323 |
| Return on Equity (ROE) | -4.9708% | 6,603 |
| Retained earnings to average equity (ytd only) | -4.9708% | 6,296 |
| Net charge-offs to loans | 0.7915% | 2,094 |
| Credit loss provision to net charge-offs | 128.1640% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.6061% | 5,105 |
| Efficiency ratio | 86.8257% | 2,140 |
| Assets per employee ($millions) | 3.6378% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,156 |
| Loan loss allowance to noncurrent loans | 42.2662% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 2.8218% | 2,276 |
| Noncurrent loans to loans | 2.3898% | 3,021 |
| Net loans and leases to total assets | 84.9790% | 511 |
| Net loans and leases to deposits | 103.3647% | 957 |
| Net loans and leases to core deposits | 156.0441% | 519 |
| Total domestic deposits to total assets | 82.2128% | 4,602 |
| Equity capital to assets | 7.6886% | 7,088 |
| Core capital (leverage) ratio | 7.6279% | 6,863 |
| Tier 1 risk-based capital ratio | 9.7570% | 7,177 |
| Total risk-based capital ratio | 10.8669% | 7,254 |
| Memoranda: | ||
| Average total assets | $163,580,000 | 3,749 |
| Average earning assets | $151,013,000 | 3,725 |
| Average equity | $13,116,670 | 4,519 |
| Average total loans | $141,755,330 | 3,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 3,227 |
| Cost of funding earning assets | 2.4854% | 1,968 |
| Net interest margin | 3.3290% | 5,403 |
| Noninterest income to average assets | 0.0792% | 7,660 |
| Noninterest expense to average assets | 2.7458% | 4,802 |
| Loan and lease loss provision to assets | 0.5937% | 2,121 |
| Net operating income to assets | -0.1756% | 6,516 |
| Return on assets (ROA) | -0.0445% | 6,452 |
| Pretax return on assets | -0.0445% | 6,424 |
| Return on Equity (ROE) | -0.5437% | 6,474 |
| Retained earnings to average equity (ytd only) | -0.5437% | 5,777 |
| Net charge-offs to loans | 0.7897% | 1,631 |
| Credit loss provision to net charge-offs | 86.3309% | 4,078 |
| Earnings coverage of net charge-offs (x) | 0.6079% | 4,509 |
| Efficiency ratio | 86.1611% | 2,048 |
| Assets per employee ($millions) | 3.4892% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,805 |
| Loan loss allowance to noncurrent loans | 53.5379% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.1354% | 2,695 |
| Noncurrent loans to loans | 1.6562% | 3,792 |
| Net loans and leases to total assets | 85.6080% | 492 |
| Net loans and leases to deposits | 104.8664% | 953 |
| Net loans and leases to core deposits | 151.6800% | 655 |
| Total domestic deposits to total assets | 81.6353% | 4,704 |
| Equity capital to assets | 8.0686% | 6,714 |
| Core capital (leverage) ratio | 7.9743% | 6,503 |
| Tier 1 risk-based capital ratio | 10.1182% | 6,792 |
| Total risk-based capital ratio | 11.0910% | 7,000 |
| Memoranda: | ||
| Average total assets | $161,700,500 | 3,802 |
| Average earning assets | $149,833,500 | 3,758 |
| Average equity | $13,242,000 | 4,521 |
| Average total loans | $140,806,000 | 3,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7610% | 1,825 |
| Cost of funding earning assets | 2.9085% | 2,231 |
| Net interest margin | 3.8526% | 3,784 |
| Noninterest income to average assets | 0.2004% | 7,017 |
| Noninterest expense to average assets | 2.6559% | 5,424 |
| Loan and lease loss provision to assets | 0.6042% | 2,408 |
| Net operating income to assets | 0.4943% | 4,764 |
| Return on assets (ROA) | 0.5164% | 4,512 |
| Pretax return on assets | 0.5164% | 4,929 |
| Return on Equity (ROE) | 6.1667% | 3,877 |
| Retained earnings to average equity (ytd only) | 0.3699% | 5,023 |
| Net charge-offs to loans | 0.5452% | 2,188 |
| Credit loss provision to net charge-offs | 128.3221% | 4,152 |
| Earnings coverage of net charge-offs (x) | 2.3329% | 4,923 |
| Efficiency ratio | 70.6229% | 4,222 |
| Assets per employee ($millions) | 3.7071% | 4,157 |
| Cash dividends to net income (ytd only)* | 94.0024% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,609 |
| Loan loss allowance to noncurrent loans | 95.7271% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 3,096 |
| Noncurrent loans to loans | 0.9531% | 4,697 |
| Net loans and leases to total assets | 87.0018% | 474 |
| Net loans and leases to deposits | 107.1836% | 1,026 |
| Net loans and leases to core deposits | 150.9256% | 819 |
| Total domestic deposits to total assets | 81.1708% | 4,573 |
| Equity capital to assets | 8.3133% | 6,405 |
| Core capital (leverage) ratio | 8.2154% | 6,137 |
| Tier 1 risk-based capital ratio | 10.3266% | 6,393 |
| Total risk-based capital ratio | 11.3346% | 6,517 |
| Memoranda: | ||
| Average total assets | $158,212,800 | 3,754 |
| Average earning assets | $145,953,800 | 3,723 |
| Average equity | $13,248,600 | 4,510 |
| Average total loans | $136,641,400 | 3,150 |