Home > Bank of the Carolinas > Performance and Condition Ratios
Bank of the Carolinas, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,354 |
| Cost of funding earning assets | 0.3863% | 3,412 |
| Net interest margin | 3.5998% | 3,095 |
| Noninterest income to average assets | 0.3371% | 4,543 |
| Noninterest expense to average assets | 3.3430% | 1,593 |
| Loan and lease loss provision to assets | -0.4556% | 6,267 |
| Net operating income to assets | 0.6984% | 3,899 |
| Return on assets (ROA) | 0.8179% | 3,399 |
| Pretax return on assets | 0.8179% | 4,261 |
| Return on Equity (ROE) | 6.4815% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.4815% | 1,957 |
| Net charge-offs to loans | -0.1345% | 5,891 |
| Credit loss provision to net charge-offs | 444.3850% | 685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2273% | 558 |
| Assets per employee ($millions) | 3.9709% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,853 |
| Loan loss allowance to noncurrent loans | 105.1619% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 1,566 |
| Noncurrent loans to loans | 1.5387% | 1,721 |
| Net loans and leases to total assets | 78.8788% | 952 |
| Net loans and leases to deposits | 91.5707% | 1,416 |
| Net loans and leases to core deposits | 94.5977% | 1,902 |
| Total domestic deposits to total assets | 86.1398% | 2,614 |
| Equity capital to assets | 13.5004% | 1,168 |
| Core capital (leverage) ratio | 13.1939% | 1,093 |
| Tier 1 risk-based capital ratio | 16.7576% | 2,505 |
| Total risk-based capital ratio | 18.0118% | 2,456 |
| Memoranda: | ||
| Average total assets | $364,825,000 | 1,816 |
| Average earning assets | $329,240,000 | 1,867 |
| Average equity | $46,039,000 | 1,619 |
| Average total loans | $278,083,000 | 1,574 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,569 |
| Cost of funding earning assets | 0.4094% | 3,198 |
| Net interest margin | 3.4986% | 3,445 |
| Noninterest income to average assets | 0.3877% | 4,104 |
| Noninterest expense to average assets | 3.2096% | 1,960 |
| Loan and lease loss provision to assets | -0.4294% | 6,340 |
| Net operating income to assets | 0.7744% | 3,391 |
| Return on assets (ROA) | 1.0072% | 2,374 |
| Pretax return on assets | 1.0072% | 3,467 |
| Return on Equity (ROE) | 8.2468% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.2468% | 1,473 |
| Net charge-offs to loans | -0.1306% | 5,944 |
| Credit loss provision to net charge-offs | 441.7582% | 605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2945% | 831 |
| Assets per employee ($millions) | 3.9940% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 1,669 |
| Loan loss allowance to noncurrent loans | 102.5559% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5966% | 1,608 |
| Noncurrent loans to loans | 1.6849% | 1,641 |
| Net loans and leases to total assets | 75.3443% | 1,301 |
| Net loans and leases to deposits | 86.7886% | 1,737 |
| Net loans and leases to core deposits | 89.8556% | 2,146 |
| Total domestic deposits to total assets | 86.8136% | 2,477 |
| Equity capital to assets | 12.7168% | 1,565 |
| Core capital (leverage) ratio | 12.3016% | 1,459 |
| Tier 1 risk-based capital ratio | 16.4823% | 2,686 |
| Total risk-based capital ratio | 17.7378% | 2,630 |
| Memoranda: | ||
| Average total assets | $374,505,500 | 1,784 |
| Average earning assets | $338,995,500 | 1,811 |
| Average equity | $45,739,000 | 1,634 |
| Average total loans | $278,634,500 | 1,564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 4,027 |
| Cost of funding earning assets | 0.8164% | 596 |
| Net interest margin | 3.1118% | 5,176 |
| Noninterest income to average assets | 0.3692% | 4,436 |
| Noninterest expense to average assets | 4.3146% | 536 |
| Loan and lease loss provision to assets | -0.2346% | 6,324 |
| Net operating income to assets | -0.8903% | 6,360 |
| Return on assets (ROA) | -1.1996% | 6,402 |
| Pretax return on assets | -1.1996% | 6,392 |
| Return on Equity (ROE) | -20.1779% | 6,442 |
| Retained earnings to average equity (ytd only) | -20.1779% | 6,427 |
| Net charge-offs to loans | -0.0279% | 5,772 |
| Credit loss provision to net charge-offs | 1,239.7436% | 234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.2677% | 79 |
| Assets per employee ($millions) | 4.3321% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 1,453 |
| Loan loss allowance to noncurrent loans | 162.9371% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 2,545 |
| Noncurrent loans to loans | 1.1292% | 2,579 |
| Net loans and leases to total assets | 70.9327% | 2,089 |
| Net loans and leases to deposits | 80.7893% | 2,622 |
| Net loans and leases to core deposits | 83.6202% | 2,940 |
| Total domestic deposits to total assets | 87.7996% | 1,870 |
| Equity capital to assets | 11.7384% | 2,218 |
| Core capital (leverage) ratio | 11.4601% | 2,003 |
| Tier 1 risk-based capital ratio | 14.9023% | 3,539 |
| Total risk-based capital ratio | 16.1578% | 3,473 |
| Memoranda: | ||
| Average total assets | $412,208,200 | 1,603 |
| Average earning assets | $373,604,200 | 1,615 |
| Average equity | $24,507,000 | 2,713 |
| Average total loans | $279,224,400 | 1,522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 4,086 |
| Cost of funding earning assets | 0.9259% | 352 |
| Net interest margin | 2.9964% | 5,512 |
| Noninterest income to average assets | 0.3648% | 4,510 |
| Noninterest expense to average assets | 4.6798% | 391 |
| Loan and lease loss provision to assets | -0.2419% | 6,421 |
| Net operating income to assets | -1.3598% | 6,497 |
| Return on assets (ROA) | -1.7657% | 6,517 |
| Pretax return on assets | -1.7657% | 6,508 |
| Return on Equity (ROE) | -38.2821% | 6,556 |
| Retained earnings to average equity (ytd only) | -38.2821% | 6,553 |
| Net charge-offs to loans | 0.0344% | 3,798 |
| Credit loss provision to net charge-offs | -1,055.5556% | 5,882 |
| Earnings coverage of net charge-offs (x) | -69.8872% | 4,680 |
| Efficiency ratio | 152.0372% | 53 |
| Assets per employee ($millions) | 4.6087% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 1,600 |
| Loan loss allowance to noncurrent loans | 156.2086% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 2,661 |
| Noncurrent loans to loans | 1.1779% | 2,707 |
| Net loans and leases to total assets | 69.7645% | 2,233 |
| Net loans and leases to deposits | 78.9500% | 2,845 |
| Net loans and leases to core deposits | 81.6781% | 3,131 |
| Total domestic deposits to total assets | 88.3654% | 1,570 |
| Equity capital to assets | 11.1502% | 2,812 |
| Core capital (leverage) ratio | 10.7683% | 2,729 |
| Tier 1 risk-based capital ratio | 14.4634% | 3,908 |
| Total risk-based capital ratio | 15.7188% | 3,842 |
| Memoranda: | ||
| Average total assets | $418,871,750 | 1,595 |
| Average earning assets | $379,287,000 | 1,611 |
| Average equity | $19,319,250 | 3,251 |
| Average total loans | $279,378,000 | 1,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 4,061 |
| Cost of funding earning assets | 1.0540% | 191 |
| Net interest margin | 2.8641% | 5,791 |
| Noninterest income to average assets | 0.3584% | 4,552 |
| Noninterest expense to average assets | 3.2783% | 1,973 |
| Loan and lease loss provision to assets | -0.1055% | 6,384 |
| Net operating income to assets | -0.2270% | 6,334 |
| Return on assets (ROA) | -0.2270% | 6,343 |
| Pretax return on assets | -0.2270% | 6,326 |
| Return on Equity (ROE) | -8.7779% | 6,500 |
| Retained earnings to average equity (ytd only) | -8.7779% | 6,393 |
| Net charge-offs to loans | 0.4573% | 887 |
| Credit loss provision to net charge-offs | -35.3218% | 5,133 |
| Earnings coverage of net charge-offs (x) | -1.1130% | 4,211 |
| Efficiency ratio | 111.2898% | 210 |
| Assets per employee ($millions) | 4.7003% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 1,718 |
| Loan loss allowance to noncurrent loans | 133.3247% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 2,407 |
| Noncurrent loans to loans | 1.3831% | 2,491 |
| Net loans and leases to total assets | 64.1259% | 3,057 |
| Net loans and leases to deposits | 74.6357% | 3,249 |
| Net loans and leases to core deposits | 77.1497% | 3,524 |
| Total domestic deposits to total assets | 85.9186% | 3,084 |
| Equity capital to assets | 3.0496% | 6,628 |
| Core capital (leverage) ratio | 3.4326% | 6,623 |
| Tier 1 risk-based capital ratio | 4.7041% | 6,630 |
| Total risk-based capital ratio | 5.9591% | 6,631 |
| Memoranda: | ||
| Average total assets | $426,378,330 | 1,568 |
| Average earning assets | $385,187,330 | 1,596 |
| Average equity | $11,027,670 | 4,600 |
| Average total loans | $278,605,330 | 1,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 4,139 |
| Cost of funding earning assets | 1.0487% | 211 |
| Net interest margin | 2.8377% | 5,867 |
| Noninterest income to average assets | 0.3608% | 4,503 |
| Noninterest expense to average assets | 3.2981% | 1,950 |
| Loan and lease loss provision to assets | 0.9979% | 112 |
| Net operating income to assets | -1.3596% | 6,621 |
| Return on assets (ROA) | -1.3596% | 6,616 |
| Pretax return on assets | -1.3596% | 6,603 |
| Return on Equity (ROE) | -57.7674% | 6,698 |
| Retained earnings to average equity (ytd only) | -57.7674% | 6,683 |
| Net charge-offs to loans | -0.0489% | 5,795 |
| Credit loss provision to net charge-offs | -3,123.5294% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3200% | 242 |
| Assets per employee ($millions) | 4.3665% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5591% | 757 |
| Loan loss allowance to noncurrent loans | 132.7422% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 2,025 |
| Noncurrent loans to loans | 1.9279% | 1,953 |
| Net loans and leases to total assets | 63.2739% | 3,019 |
| Net loans and leases to deposits | 73.1488% | 3,180 |
| Net loans and leases to core deposits | 75.4827% | 3,465 |
| Total domestic deposits to total assets | 86.5003% | 3,104 |
| Equity capital to assets | 2.3785% | 6,703 |
| Core capital (leverage) ratio | 3.2402% | 6,697 |
| Tier 1 risk-based capital ratio | 4.4045% | 6,702 |
| Total risk-based capital ratio | 5.6670% | 6,705 |
| Memoranda: | ||
| Average total assets | $425,704,000 | 1,578 |
| Average earning assets | $386,367,000 | 1,595 |
| Average equity | $10,019,500 | 4,816 |
| Average total loans | $278,189,500 | 1,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,557 |
| Cost of funding earning assets | 1.0889% | 303 |
| Net interest margin | 2.7856% | 6,004 |
| Noninterest income to average assets | 0.3527% | 4,788 |
| Noninterest expense to average assets | 3.3934% | 1,896 |
| Loan and lease loss provision to assets | -0.4743% | 6,735 |
| Net operating income to assets | -0.2419% | 6,388 |
| Return on assets (ROA) | -0.2419% | 6,404 |
| Pretax return on assets | -0.0228% | 6,248 |
| Return on Equity (ROE) | -7.1900% | 6,543 |
| Retained earnings to average equity (ytd only) | -7.1900% | 6,472 |
| Net charge-offs to loans | -0.4261% | 6,712 |
| Credit loss provision to net charge-offs | 175.1718% | 1,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1647% | 200 |
| Assets per employee ($millions) | 4.1930% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,236 |
| Loan loss allowance to noncurrent loans | 125.6266% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 2,616 |
| Noncurrent loans to loans | 1.7191% | 2,337 |
| Net loans and leases to total assets | 64.3445% | 2,981 |
| Net loans and leases to deposits | 74.3330% | 3,214 |
| Net loans and leases to core deposits | 77.0424% | 3,482 |
| Total domestic deposits to total assets | 86.5625% | 2,963 |
| Equity capital to assets | 2.3285% | 6,781 |
| Core capital (leverage) ratio | 3.5480% | 6,760 |
| Tier 1 risk-based capital ratio | 4.8746% | 6,772 |
| Total risk-based capital ratio | 6.1332% | 6,773 |
| Memoranda: | ||
| Average total assets | $429,860,000 | 1,540 |
| Average earning assets | $392,512,400 | 1,539 |
| Average equity | $14,464,600 | 3,975 |
| Average total loans | $273,170,800 | 1,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 4,696 |
| Cost of funding earning assets | 1.0936% | 325 |
| Net interest margin | 2.7472% | 6,094 |
| Noninterest income to average assets | 0.3455% | 4,926 |
| Noninterest expense to average assets | 3.3943% | 1,837 |
| Loan and lease loss provision to assets | -0.6422% | 6,848 |
| Net operating income to assets | 0.1054% | 6,128 |
| Return on assets (ROA) | 0.1054% | 6,192 |
| Pretax return on assets | 0.1054% | 6,206 |
| Return on Equity (ROE) | 2.9116% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.9116% | 4,581 |
| Net charge-offs to loans | -0.6881% | 6,806 |
| Credit loss provision to net charge-offs | 148.1112% | 1,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.7845% | 181 |
| Assets per employee ($millions) | 4.3209% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,282 |
| Loan loss allowance to noncurrent loans | 85.0787% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.0317% | 1,980 |
| Noncurrent loans to loans | 2.6230% | 1,617 |
| Net loans and leases to total assets | 63.6533% | 3,053 |
| Net loans and leases to deposits | 74.3690% | 3,182 |
| Net loans and leases to core deposits | 76.9767% | 3,504 |
| Total domestic deposits to total assets | 85.5912% | 3,455 |
| Equity capital to assets | 3.3331% | 6,835 |
| Core capital (leverage) ratio | 3.3780% | 6,848 |
| Tier 1 risk-based capital ratio | 4.5074% | 6,858 |
| Total risk-based capital ratio | 5.7677% | 6,862 |
| Memoranda: | ||
| Average total assets | $431,451,500 | 1,546 |
| Average earning assets | $394,527,000 | 1,543 |
| Average equity | $15,615,500 | 3,808 |
| Average total loans | $271,836,000 | 1,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 4,723 |
| Cost of funding earning assets | 1.1040% | 332 |
| Net interest margin | 2.7289% | 6,133 |
| Noninterest income to average assets | 0.3430% | 4,942 |
| Noninterest expense to average assets | 3.4266% | 1,767 |
| Loan and lease loss provision to assets | -0.5353% | 6,876 |
| Net operating income to assets | -0.0587% | 6,363 |
| Return on assets (ROA) | -0.0587% | 6,411 |
| Pretax return on assets | -0.0587% | 6,401 |
| Return on Equity (ROE) | -1.5808% | 6,499 |
| Retained earnings to average equity (ytd only) | -1.5808% | 6,136 |
| Net charge-offs to loans | -0.4940% | 6,824 |
| Credit loss provision to net charge-offs | 173.8739% | 1,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9693% | 174 |
| Assets per employee ($millions) | 4.2880% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3741% | 1,127 |
| Loan loss allowance to noncurrent loans | 117.2869% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 2,642 |
| Noncurrent loans to loans | 2.0241% | 2,375 |
| Net loans and leases to total assets | 61.3566% | 3,411 |
| Net loans and leases to deposits | 71.7391% | 3,486 |
| Net loans and leases to core deposits | 75.8355% | 3,562 |
| Total domestic deposits to total assets | 85.5274% | 3,629 |
| Equity capital to assets | 3.3099% | 6,886 |
| Core capital (leverage) ratio | 3.2615% | 6,896 |
| Tier 1 risk-based capital ratio | 4.5165% | 6,905 |
| Total risk-based capital ratio | 5.7781% | 6,906 |
| Memoranda: | ||
| Average total assets | $432,679,670 | 1,542 |
| Average earning assets | $394,744,330 | 1,544 |
| Average equity | $16,068,000 | 3,762 |
| Average total loans | $269,613,670 | 1,559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 4,572 |
| Cost of funding earning assets | 1.1238% | 329 |
| Net interest margin | 2.7497% | 6,129 |
| Noninterest income to average assets | 0.3396% | 4,979 |
| Noninterest expense to average assets | 3.4145% | 1,796 |
| Loan and lease loss provision to assets | -1.0547% | 6,994 |
| Net operating income to assets | 0.4749% | 4,796 |
| Return on assets (ROA) | 0.4749% | 4,963 |
| Pretax return on assets | 0.4749% | 5,343 |
| Return on Equity (ROE) | 12.1372% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.1372% | 684 |
| Net charge-offs to loans | -1.1184% | 6,934 |
| Credit loss provision to net charge-offs | 151.9894% | 1,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4545% | 215 |
| Assets per employee ($millions) | 4.3201% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 1,225 |
| Loan loss allowance to noncurrent loans | 167.3448% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.7979% | 2,606 |
| Noncurrent loans to loans | 1.4437% | 3,399 |
| Net loans and leases to total assets | 60.7559% | 3,297 |
| Net loans and leases to deposits | 71.5374% | 3,247 |
| Net loans and leases to core deposits | 76.5966% | 3,247 |
| Total domestic deposits to total assets | 84.9289% | 4,079 |
| Equity capital to assets | 3.9691% | 6,939 |
| Core capital (leverage) ratio | 3.7461% | 6,945 |
| Tier 1 risk-based capital ratio | 5.1742% | 6,952 |
| Total risk-based capital ratio | 6.4345% | 6,954 |
| Memoranda: | ||
| Average total assets | $434,618,000 | 1,547 |
| Average earning assets | $394,375,000 | 1,556 |
| Average equity | $17,005,500 | 3,674 |
| Average total loans | $269,672,000 | 1,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 5,282 |
| Cost of funding earning assets | 1.2224% | 523 |
| Net interest margin | 2.7831% | 6,403 |
| Noninterest income to average assets | 0.4008% | 4,605 |
| Noninterest expense to average assets | 3.8233% | 1,216 |
| Loan and lease loss provision to assets | 0.5075% | 1,158 |
| Net operating income to assets | -1.3814% | 6,835 |
| Return on assets (ROA) | -0.9103% | 6,733 |
| Pretax return on assets | -0.9103% | 6,709 |
| Return on Equity (ROE) | -22.7752% | 6,909 |
| Retained earnings to average equity (ytd only) | -22.7752% | 6,880 |
| Net charge-offs to loans | 1.2394% | 804 |
| Credit loss provision to net charge-offs | 66.0784% | 4,285 |
| Earnings coverage of net charge-offs (x) | -1.1378% | 5,767 |
| Efficiency ratio | 129.6302% | 158 |
| Assets per employee ($millions) | 4.1640% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 1,075 |
| Loan loss allowance to noncurrent loans | 89.0987% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.9067% | 1,635 |
| Noncurrent loans to loans | 2.8601% | 1,835 |
| Net loans and leases to total assets | 60.2628% | 3,558 |
| Net loans and leases to deposits | 70.5589% | 3,627 |
| Net loans and leases to core deposits | 79.9197% | 3,019 |
| Total domestic deposits to total assets | 85.4077% | 3,660 |
| Equity capital to assets | 3.8571% | 7,007 |
| Core capital (leverage) ratio | 3.5576% | 7,013 |
| Tier 1 risk-based capital ratio | 4.9859% | 7,018 |
| Total risk-based capital ratio | 6.2475% | 7,018 |
| Memoranda: | ||
| Average total assets | $464,807,600 | 1,422 |
| Average earning assets | $425,640,000 | 1,420 |
| Average equity | $18,577,200 | 3,388 |
| Average total loans | $288,046,000 | 1,458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 5,480 |
| Cost of funding earning assets | 1.2378% | 582 |
| Net interest margin | 2.7752% | 6,536 |
| Noninterest income to average assets | 0.4164% | 4,507 |
| Noninterest expense to average assets | 4.0476% | 875 |
| Loan and lease loss provision to assets | 0.8468% | 545 |
| Net operating income to assets | -2.0512% | 7,044 |
| Return on assets (ROA) | -1.4444% | 6,968 |
| Pretax return on assets | -1.3288% | 6,930 |
| Return on Equity (ROE) | -35.8484% | 7,088 |
| Retained earnings to average equity (ytd only) | -35.8484% | 7,081 |
| Net charge-offs to loans | 1.6626% | 498 |
| Credit loss provision to net charge-offs | 82.1497% | 3,551 |
| Earnings coverage of net charge-offs (x) | -1.0562% | 5,576 |
| Efficiency ratio | 136.7979% | 129 |
| Assets per employee ($millions) | 4.1878% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6544% | 1,026 |
| Loan loss allowance to noncurrent loans | 91.6923% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 3.0237% | 1,727 |
| Noncurrent loans to loans | 2.8948% | 1,931 |
| Net loans and leases to total assets | 60.9746% | 3,576 |
| Net loans and leases to deposits | 70.9700% | 3,761 |
| Net loans and leases to core deposits | 86.3230% | 2,421 |
| Total domestic deposits to total assets | 85.9160% | 3,300 |
| Equity capital to assets | 3.6381% | 7,113 |
| Core capital (leverage) ratio | 3.3733% | 7,113 |
| Tier 1 risk-based capital ratio | 4.7257% | 7,123 |
| Total risk-based capital ratio | 5.9886% | 7,124 |
| Memoranda: | ||
| Average total assets | $471,703,250 | 1,417 |
| Average earning assets | $432,142,750 | 1,414 |
| Average equity | $19,005,500 | 3,365 |
| Average total loans | $292,464,000 | 1,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 5,747 |
| Cost of funding earning assets | 1.2461% | 664 |
| Net interest margin | 2.7192% | 6,689 |
| Noninterest income to average assets | 0.5125% | 3,841 |
| Noninterest expense to average assets | 3.8609% | 1,131 |
| Loan and lease loss provision to assets | 0.6360% | 912 |
| Net operating income to assets | -1.8266% | 7,054 |
| Return on assets (ROA) | -0.9312% | 6,911 |
| Pretax return on assets | -0.6009% | 6,773 |
| Return on Equity (ROE) | -22.4347% | 7,055 |
| Retained earnings to average equity (ytd only) | -22.4347% | 7,035 |
| Net charge-offs to loans | 1.4069% | 728 |
| Credit loss provision to net charge-offs | 73.1415% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.9894% | 5,307 |
| Efficiency ratio | 128.6727% | 171 |
| Assets per employee ($millions) | 4.2269% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6442% | 1,103 |
| Loan loss allowance to noncurrent loans | 79.0213% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 3.5796% | 1,477 |
| Noncurrent loans to loans | 3.3462% | 1,737 |
| Net loans and leases to total assets | 58.6481% | 4,055 |
| Net loans and leases to deposits | 68.0626% | 4,185 |
| Net loans and leases to core deposits | 86.6079% | 2,346 |
| Total domestic deposits to total assets | 86.1680% | 3,273 |
| Equity capital to assets | 3.9218% | 7,147 |
| Core capital (leverage) ratio | 3.8314% | 7,144 |
| Tier 1 risk-based capital ratio | 5.3665% | 7,151 |
| Total risk-based capital ratio | 6.6284% | 7,153 |
| Memoranda: | ||
| Average total assets | $479,574,330 | 1,401 |
| Average earning assets | $438,803,330 | 1,396 |
| Average equity | $19,906,670 | 3,235 |
| Average total loans | $296,395,000 | 1,435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 5,382 |
| Cost of funding earning assets | 1.2624% | 736 |
| Net interest margin | 2.8580% | 6,542 |
| Noninterest income to average assets | 0.2445% | 5,888 |
| Noninterest expense to average assets | 4.0783% | 849 |
| Loan and lease loss provision to assets | 1.0707% | 375 |
| Net operating income to assets | -2.5989% | 7,201 |
| Return on assets (ROA) | -1.9790% | 7,155 |
| Pretax return on assets | -1.6749% | 7,103 |
| Return on Equity (ROE) | -46.4208% | 7,217 |
| Retained earnings to average equity (ytd only) | -46.4208% | 7,203 |
| Net charge-offs to loans | 1.7815% | 534 |
| Credit loss provision to net charge-offs | 96.0595% | 2,437 |
| Earnings coverage of net charge-offs (x) | -1.0981% | 4,561 |
| Efficiency ratio | 142.8862% | 123 |
| Assets per employee ($millions) | 4.1700% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7181% | 1,095 |
| Loan loss allowance to noncurrent loans | 50.7440% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 4.8717% | 1,084 |
| Noncurrent loans to loans | 5.3564% | 1,011 |
| Net loans and leases to total assets | 60.0656% | 3,655 |
| Net loans and leases to deposits | 69.6612% | 3,776 |
| Net loans and leases to core deposits | 91.0561% | 1,742 |
| Total domestic deposits to total assets | 86.2254% | 3,399 |
| Equity capital to assets | 3.9806% | 7,188 |
| Core capital (leverage) ratio | 3.7528% | 7,196 |
| Tier 1 risk-based capital ratio | 5.1816% | 7,208 |
| Total risk-based capital ratio | 6.4465% | 7,210 |
| Memoranda: | ||
| Average total assets | $482,657,500 | 1,398 |
| Average earning assets | $440,732,500 | 1,395 |
| Average equity | $20,577,000 | 3,155 |
| Average total loans | $301,999,500 | 1,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 5,408 |
| Cost of funding earning assets | 1.4443% | 869 |
| Net interest margin | 2.9599% | 6,589 |
| Noninterest income to average assets | 0.1708% | 6,261 |
| Noninterest expense to average assets | 3.8975% | 1,187 |
| Loan and lease loss provision to assets | 3.4014% | 87 |
| Net operating income to assets | -5.2490% | 7,313 |
| Return on assets (ROA) | -5.3247% | 7,315 |
| Pretax return on assets | -4.5188% | 7,295 |
| Return on Equity (ROE) | -75.6472% | 7,283 |
| Retained earnings to average equity (ytd only) | -75.6472% | 7,283 |
| Net charge-offs to loans | 4.7908% | 91 |
| Credit loss provision to net charge-offs | 107.5825% | 3,143 |
| Earnings coverage of net charge-offs (x) | -0.3295% | 6,019 |
| Efficiency ratio | 136.4727% | 200 |
| Assets per employee ($millions) | 4.3372% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6310% | 1,155 |
| Loan loss allowance to noncurrent loans | 42.4982% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 5.6789% | 889 |
| Noncurrent loans to loans | 6.1908% | 786 |
| Net loans and leases to total assets | 61.7182% | 3,657 |
| Net loans and leases to deposits | 71.9311% | 3,807 |
| Net loans and leases to core deposits | 94.4286% | 1,644 |
| Total domestic deposits to total assets | 85.8018% | 3,428 |
| Equity capital to assets | 4.5423% | 7,194 |
| Core capital (leverage) ratio | 4.0918% | 7,205 |
| Tier 1 risk-based capital ratio | 5.6621% | 7,215 |
| Total risk-based capital ratio | 6.9244% | 7,216 |
| Memoranda: | ||
| Average total assets | $516,402,200 | 1,295 |
| Average earning assets | $468,459,600 | 1,311 |
| Average equity | $36,349,000 | 1,865 |
| Average total loans | $340,799,000 | 1,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 5,398 |
| Cost of funding earning assets | 1.4817% | 926 |
| Net interest margin | 2.9769% | 6,624 |
| Noninterest income to average assets | 0.2783% | 5,621 |
| Noninterest expense to average assets | 3.9552% | 1,063 |
| Loan and lease loss provision to assets | 3.7061% | 73 |
| Net operating income to assets | -4.9632% | 7,378 |
| Return on assets (ROA) | -4.9616% | 7,379 |
| Pretax return on assets | -4.6841% | 7,367 |
| Return on Equity (ROE) | -65.1353% | 7,335 |
| Retained earnings to average equity (ytd only) | -65.1353% | 7,332 |
| Net charge-offs to loans | 4.8664% | 100 |
| Credit loss provision to net charge-offs | 114.3496% | 2,857 |
| Earnings coverage of net charge-offs (x) | -0.3022% | 5,767 |
| Efficiency ratio | 132.9172% | 213 |
| Assets per employee ($millions) | 4.4314% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6762% | 1,157 |
| Loan loss allowance to noncurrent loans | 45.4645% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 5.7289% | 954 |
| Noncurrent loans to loans | 5.8862% | 957 |
| Net loans and leases to total assets | 62.5658% | 3,596 |
| Net loans and leases to deposits | 75.5886% | 3,390 |
| Net loans and leases to core deposits | 99.4600% | 1,299 |
| Total domestic deposits to total assets | 82.7715% | 4,770 |
| Equity capital to assets | 5.9623% | 7,189 |
| Core capital (leverage) ratio | 4.9688% | 7,243 |
| Tier 1 risk-based capital ratio | 6.6768% | 7,264 |
| Total risk-based capital ratio | 7.9394% | 7,267 |
| Memoranda: | ||
| Average total assets | $524,061,250 | 1,280 |
| Average earning assets | $474,841,500 | 1,295 |
| Average equity | $39,920,000 | 1,687 |
| Average total loans | $349,022,000 | 1,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 5,426 |
| Cost of funding earning assets | 1.5390% | 866 |
| Net interest margin | 2.9383% | 6,719 |
| Noninterest income to average assets | 0.2432% | 5,907 |
| Noninterest expense to average assets | 3.9441% | 1,126 |
| Loan and lease loss provision to assets | 3.3626% | 119 |
| Net operating income to assets | -4.7990% | 7,433 |
| Return on assets (ROA) | -4.7968% | 7,434 |
| Pretax return on assets | -4.3974% | 7,409 |
| Return on Equity (ROE) | -58.9071% | 7,371 |
| Retained earnings to average equity (ytd only) | -58.9071% | 7,368 |
| Net charge-offs to loans | 5.0937% | 117 |
| Credit loss provision to net charge-offs | 98.0429% | 3,218 |
| Earnings coverage of net charge-offs (x) | -0.3024% | 5,455 |
| Efficiency ratio | 135.6726% | 221 |
| Assets per employee ($millions) | 4.6878% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 2,559 |
| Loan loss allowance to noncurrent loans | 24.7299% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 6.3608% | 851 |
| Noncurrent loans to loans | 7.8214% | 596 |
| Net loans and leases to total assets | 65.1359% | 3,223 |
| Net loans and leases to deposits | 79.4299% | 2,906 |
| Net loans and leases to core deposits | 122.7668% | 364 |
| Total domestic deposits to total assets | 82.0043% | 5,167 |
| Equity capital to assets | 6.9594% | 7,109 |
| Core capital (leverage) ratio | 5.9501% | 7,206 |
| Tier 1 risk-based capital ratio | 7.9215% | 7,250 |
| Total risk-based capital ratio | 9.1765% | 7,255 |
| Memoranda: | ||
| Average total assets | $530,357,000 | 1,261 |
| Average earning assets | $480,823,670 | 1,278 |
| Average equity | $43,186,670 | 1,553 |
| Average total loans | $357,110,330 | 1,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 5,500 |
| Cost of funding earning assets | 1.3984% | 1,617 |
| Net interest margin | 3.0558% | 6,449 |
| Noninterest income to average assets | 0.2899% | 5,591 |
| Noninterest expense to average assets | 2.9049% | 4,039 |
| Loan and lease loss provision to assets | 1.7521% | 333 |
| Net operating income to assets | -2.3588% | 7,325 |
| Return on assets (ROA) | -2.3588% | 7,323 |
| Pretax return on assets | -1.5914% | 7,190 |
| Return on Equity (ROE) | -27.0560% | 7,300 |
| Retained earnings to average equity (ytd only) | -27.0560% | 7,265 |
| Net charge-offs to loans | 0.9855% | 1,373 |
| Credit loss provision to net charge-offs | 262.3043% | 1,197 |
| Earnings coverage of net charge-offs (x) | 0.2405% | 4,436 |
| Efficiency ratio | 94.7599% | 994 |
| Assets per employee ($millions) | 4.9208% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3123% | 1,743 |
| Loan loss allowance to noncurrent loans | 29.8431% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 6.9418% | 776 |
| Noncurrent loans to loans | 7.7481% | 659 |
| Net loans and leases to total assets | 65.4857% | 3,134 |
| Net loans and leases to deposits | 82.7675% | 2,223 |
| Net loans and leases to core deposits | 135.5559% | 227 |
| Total domestic deposits to total assets | 79.1201% | 6,163 |
| Equity capital to assets | 8.3949% | 6,059 |
| Core capital (leverage) ratio | 7.6230% | 6,631 |
| Tier 1 risk-based capital ratio | 9.7028% | 7,093 |
| Total risk-based capital ratio | 10.9617% | 7,102 |
| Memoranda: | ||
| Average total assets | $535,362,500 | 1,256 |
| Average earning assets | $486,287,000 | 1,265 |
| Average equity | $46,673,500 | 1,436 |
| Average total loans | $362,857,000 | 1,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 5,455 |
| Cost of funding earning assets | 1.4693% | 2,826 |
| Net interest margin | 3.3193% | 5,916 |
| Noninterest income to average assets | 0.2682% | 5,870 |
| Noninterest expense to average assets | 2.8761% | 4,325 |
| Loan and lease loss provision to assets | 1.1549% | 1,369 |
| Net operating income to assets | -0.4702% | 6,368 |
| Return on assets (ROA) | -0.4307% | 6,368 |
| Pretax return on assets | -0.7063% | 6,464 |
| Return on Equity (ROE) | -4.7485% | 6,413 |
| Retained earnings to average equity (ytd only) | -4.7485% | 6,275 |
| Net charge-offs to loans | 2.0662% | 970 |
| Credit loss provision to net charge-offs | 83.1633% | 5,432 |
| Earnings coverage of net charge-offs (x) | 0.2786% | 5,829 |
| Efficiency ratio | 88.1416% | 1,472 |
| Assets per employee ($millions) | 4.9477% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 2,636 |
| Loan loss allowance to noncurrent loans | 27.7967% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 6.1764% | 944 |
| Noncurrent loans to loans | 6.7431% | 861 |
| Net loans and leases to total assets | 67.2383% | 3,161 |
| Net loans and leases to deposits | 86.1822% | 2,060 |
| Net loans and leases to core deposits | 142.4030% | 214 |
| Total domestic deposits to total assets | 78.0188% | 6,309 |
| Equity capital to assets | 9.0425% | 5,080 |
| Core capital (leverage) ratio | 8.1652% | 5,882 |
| Tier 1 risk-based capital ratio | 10.0946% | 6,940 |
| Total risk-based capital ratio | 11.3489% | 6,920 |
| Memoranda: | ||
| Average total assets | $557,693,400 | 1,205 |
| Average earning assets | $503,181,600 | 1,222 |
| Average equity | $50,584,200 | 1,315 |
| Average total loans | $374,834,400 | 1,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 5,473 |
| Cost of funding earning assets | 1.4805% | 3,083 |
| Net interest margin | 3.3680% | 5,786 |
| Noninterest income to average assets | 0.2574% | 6,059 |
| Noninterest expense to average assets | 2.8096% | 4,446 |
| Loan and lease loss provision to assets | 0.6767% | 2,260 |
| Net operating income to assets | -0.0910% | 6,174 |
| Return on assets (ROA) | -0.0353% | 6,186 |
| Pretax return on assets | -0.1077% | 6,230 |
| Return on Equity (ROE) | -0.3884% | 6,196 |
| Retained earnings to average equity (ytd only) | -0.3884% | 5,882 |
| Net charge-offs to loans | 1.6569% | 1,193 |
| Credit loss provision to net charge-offs | 61.0459% | 5,661 |
| Earnings coverage of net charge-offs (x) | 0.4348% | 5,591 |
| Efficiency ratio | 85.3580% | 1,696 |
| Assets per employee ($millions) | 5.0460% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 3,069 |
| Loan loss allowance to noncurrent loans | 54.5126% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.7775% | 1,882 |
| Noncurrent loans to loans | 3.1698% | 2,510 |
| Net loans and leases to total assets | 67.4320% | 3,345 |
| Net loans and leases to deposits | 86.7188% | 2,200 |
| Net loans and leases to core deposits | 137.9829% | 280 |
| Total domestic deposits to total assets | 77.7594% | 6,305 |
| Equity capital to assets | 9.6630% | 4,597 |
| Core capital (leverage) ratio | 8.8986% | 4,851 |
| Tier 1 risk-based capital ratio | 10.9628% | 6,409 |
| Total risk-based capital ratio | 12.2155% | 6,394 |
| Memoranda: | ||
| Average total assets | $563,528,500 | 1,200 |
| Average earning assets | $507,663,250 | 1,223 |
| Average equity | $51,150,500 | 1,311 |
| Average total loans | $377,004,750 | 1,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 5,626 |
| Cost of funding earning assets | 1.5021% | 3,247 |
| Net interest margin | 3.3419% | 5,868 |
| Noninterest income to average assets | 0.2544% | 6,090 |
| Noninterest expense to average assets | 2.8474% | 4,273 |
| Loan and lease loss provision to assets | 0.6987% | 2,080 |
| Net operating income to assets | -0.1447% | 6,283 |
| Return on assets (ROA) | -0.1023% | 6,304 |
| Pretax return on assets | -0.2097% | 6,347 |
| Return on Equity (ROE) | -1.1496% | 6,340 |
| Retained earnings to average equity (ytd only) | -1.1496% | 6,007 |
| Net charge-offs to loans | 1.5718% | 1,207 |
| Credit loss provision to net charge-offs | 66.9789% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.4052% | 5,323 |
| Efficiency ratio | 87.0758% | 1,595 |
| Assets per employee ($millions) | 4.9931% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 2,310 |
| Loan loss allowance to noncurrent loans | 61.6733% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.8615% | 1,795 |
| Noncurrent loans to loans | 3.1564% | 2,535 |
| Net loans and leases to total assets | 67.0675% | 3,605 |
| Net loans and leases to deposits | 87.1095% | 2,317 |
| Net loans and leases to core deposits | 123.9208% | 571 |
| Total domestic deposits to total assets | 76.9922% | 6,507 |
| Equity capital to assets | 9.5729% | 4,594 |
| Core capital (leverage) ratio | 8.5821% | 5,266 |
| Tier 1 risk-based capital ratio | 10.7800% | 6,461 |
| Total risk-based capital ratio | 12.0345% | 6,446 |
| Memoranda: | ||
| Average total assets | $573,078,670 | 1,189 |
| Average earning assets | $517,132,000 | 1,198 |
| Average equity | $50,972,330 | 1,306 |
| Average total loans | $380,332,670 | 1,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 5,971 |
| Cost of funding earning assets | 1.5527% | 3,251 |
| Net interest margin | 3.2261% | 6,210 |
| Noninterest income to average assets | 0.1702% | 6,753 |
| Noninterest expense to average assets | 2.7444% | 4,708 |
| Loan and lease loss provision to assets | 0.6210% | 2,043 |
| Net operating income to assets | -0.1576% | 6,490 |
| Return on assets (ROA) | -0.1159% | 6,525 |
| Pretax return on assets | -0.2312% | 6,583 |
| Return on Equity (ROE) | -1.3505% | 6,565 |
| Retained earnings to average equity (ytd only) | -1.3505% | 6,104 |
| Net charge-offs to loans | 2.1063% | 808 |
| Credit loss provision to net charge-offs | 45.0566% | 4,554 |
| Earnings coverage of net charge-offs (x) | 0.2356% | 4,830 |
| Efficiency ratio | 89.4190% | 1,476 |
| Assets per employee ($millions) | 5.1362% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,574 |
| Loan loss allowance to noncurrent loans | 60.0921% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 3.6404% | 1,926 |
| Noncurrent loans to loans | 3.0802% | 2,600 |
| Net loans and leases to total assets | 65.5719% | 3,963 |
| Net loans and leases to deposits | 83.7172% | 2,984 |
| Net loans and leases to core deposits | 115.4215% | 978 |
| Total domestic deposits to total assets | 78.3255% | 6,236 |
| Equity capital to assets | 8.9174% | 5,392 |
| Core capital (leverage) ratio | 8.0858% | 6,107 |
| Tier 1 risk-based capital ratio | 10.3358% | 6,775 |
| Total risk-based capital ratio | 11.5892% | 6,772 |
| Memoranda: | ||
| Average total assets | $589,992,000 | 1,177 |
| Average earning assets | $530,177,500 | 1,199 |
| Average equity | $50,647,500 | 1,319 |
| Average total loans | $386,077,500 | 1,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 4,860 |
| Cost of funding earning assets | 2.6670% | 637 |
| Net interest margin | 2.6987% | 7,212 |
| Noninterest income to average assets | 0.2895% | 6,041 |
| Noninterest expense to average assets | 2.8526% | 4,738 |
| Loan and lease loss provision to assets | 0.9087% | 2,477 |
| Net operating income to assets | -0.6360% | 6,301 |
| Return on assets (ROA) | -0.4756% | 6,147 |
| Pretax return on assets | -0.7805% | 6,255 |
| Return on Equity (ROE) | -6.0682% | 6,312 |
| Retained earnings to average equity (ytd only) | -6.0682% | 6,153 |
| Net charge-offs to loans | 0.9217% | 2,545 |
| Credit loss provision to net charge-offs | 150.4475% | 3,084 |
| Earnings coverage of net charge-offs (x) | -0.2026% | 6,444 |
| Efficiency ratio | 104.4824% | 943 |
| Assets per employee ($millions) | 5.1683% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0873% | 1,845 |
| Loan loss allowance to noncurrent loans | 88.5408% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 2.8625% | 2,452 |
| Noncurrent loans to loans | 2.3575% | 3,217 |
| Net loans and leases to total assets | 62.8172% | 4,848 |
| Net loans and leases to deposits | 77.2548% | 4,516 |
| Net loans and leases to core deposits | 100.8214% | 3,919 |
| Total domestic deposits to total assets | 81.3117% | 5,228 |
| Equity capital to assets | 8.2732% | 6,233 |
| Core capital (leverage) ratio | 7.3837% | 6,908 |
| Tier 1 risk-based capital ratio | 10.0114% | 6,861 |
| Total risk-based capital ratio | 11.2496% | 6,840 |
| Memoranda: | ||
| Average total assets | $610,399,000 | 1,137 |
| Average earning assets | $552,043,800 | 1,141 |
| Average equity | $47,839,200 | 1,407 |
| Average total loans | $400,014,400 | 1,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4460% | 4,704 |
| Cost of funding earning assets | 2.9127% | 438 |
| Net interest margin | 2.5334% | 7,421 |
| Noninterest income to average assets | 0.1939% | 6,830 |
| Noninterest expense to average assets | 2.6743% | 5,437 |
| Loan and lease loss provision to assets | 0.5388% | 3,233 |
| Net operating income to assets | -0.4373% | 6,365 |
| Return on assets (ROA) | -0.2498% | 6,148 |
| Pretax return on assets | -0.4407% | 6,238 |
| Return on Equity (ROE) | -3.2326% | 6,272 |
| Retained earnings to average equity (ytd only) | -3.2326% | 5,980 |
| Net charge-offs to loans | 0.8543% | 2,257 |
| Credit loss provision to net charge-offs | 95.7315% | 5,313 |
| Earnings coverage of net charge-offs (x) | -0.3461% | 6,384 |
| Efficiency ratio | 107.8563% | 809 |
| Assets per employee ($millions) | 5.8711% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,062 |
| Loan loss allowance to noncurrent loans | 125.0151% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0240% | 3,314 |
| Noncurrent loans to loans | 1.2659% | 4,827 |
| Net loans and leases to total assets | 58.0908% | 5,876 |
| Net loans and leases to deposits | 70.1867% | 5,891 |
| Net loans and leases to core deposits | 90.9388% | 5,341 |
| Total domestic deposits to total assets | 82.7662% | 4,338 |
| Equity capital to assets | 7.7595% | 7,081 |
| Core capital (leverage) ratio | 7.5109% | 6,956 |
| Tier 1 risk-based capital ratio | 10.8857% | 6,069 |
| Total risk-based capital ratio | 12.1260% | 6,039 |
| Memoranda: | ||
| Average total assets | $610,533,250 | 1,151 |
| Average earning assets | $550,820,500 | 1,157 |
| Average equity | $47,185,250 | 1,453 |
| Average total loans | $402,201,750 | 1,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5167% | 4,529 |
| Cost of funding earning assets | 3.1884% | 272 |
| Net interest margin | 2.3283% | 7,652 |
| Noninterest income to average assets | 0.1592% | 7,135 |
| Noninterest expense to average assets | 2.8595% | 4,689 |
| Loan and lease loss provision to assets | 0.4790% | 3,129 |
| Net operating income to assets | -0.6887% | 6,740 |
| Return on assets (ROA) | -0.6676% | 6,729 |
| Pretax return on assets | -1.0160% | 6,823 |
| Return on Equity (ROE) | -8.6506% | 6,941 |
| Retained earnings to average equity (ytd only) | -8.6506% | 6,734 |
| Net charge-offs to loans | 0.4993% | 2,832 |
| Credit loss provision to net charge-offs | 140.1777% | 3,332 |
| Earnings coverage of net charge-offs (x) | -1.6654% | 6,324 |
| Efficiency ratio | 124.8454% | 589 |
| Assets per employee ($millions) | 5.7665% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,499 |
| Loan loss allowance to noncurrent loans | 46.3258% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 3.5075% | 1,773 |
| Noncurrent loans to loans | 3.5753% | 1,956 |
| Net loans and leases to total assets | 64.6095% | 4,855 |
| Net loans and leases to deposits | 80.4150% | 4,479 |
| Net loans and leases to core deposits | 92.0889% | 5,340 |
| Total domestic deposits to total assets | 80.3450% | 5,337 |
| Equity capital to assets | 8.1410% | 6,575 |
| Core capital (leverage) ratio | 7.8928% | 6,502 |
| Tier 1 risk-based capital ratio | 10.3645% | 6,515 |
| Total risk-based capital ratio | 11.5877% | 6,486 |
| Memoranda: | ||
| Average total assets | $592,899,330 | 1,197 |
| Average earning assets | $542,712,330 | 1,191 |
| Average equity | $45,754,000 | 1,501 |
| Average total loans | $405,738,330 | 1,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 4,057 |
| Cost of funding earning assets | 3.1970% | 348 |
| Net interest margin | 2.4519% | 7,556 |
| Noninterest income to average assets | 0.2107% | 6,784 |
| Noninterest expense to average assets | 2.5680% | 5,579 |
| Loan and lease loss provision to assets | 0.4821% | 2,555 |
| Net operating income to assets | -0.3980% | 6,782 |
| Return on assets (ROA) | -0.3980% | 6,856 |
| Pretax return on assets | -0.5867% | 6,892 |
| Return on Equity (ROE) | -5.3130% | 7,001 |
| Retained earnings to average equity (ytd only) | -5.3130% | 6,595 |
| Net charge-offs to loans | 0.0374% | 4,983 |
| Credit loss provision to net charge-offs | 1,842.1053% | 347 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 5,541 |
| Efficiency ratio | 104.2494% | 976 |
| Assets per employee ($millions) | 5.7150% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 2,095 |
| Loan loss allowance to noncurrent loans | 58.6666% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.5155% | 2,283 |
| Noncurrent loans to loans | 2.9226% | 2,237 |
| Net loans and leases to total assets | 66.5717% | 4,446 |
| Net loans and leases to deposits | 82.2979% | 4,236 |
| Net loans and leases to core deposits | 98.0658% | 4,740 |
| Total domestic deposits to total assets | 80.8911% | 5,013 |
| Equity capital to assets | 7.2196% | 7,548 |
| Core capital (leverage) ratio | 7.1576% | 7,519 |
| Tier 1 risk-based capital ratio | 9.3104% | 7,576 |
| Total risk-based capital ratio | 10.5519% | 7,563 |
| Memoranda: | ||
| Average total assets | $580,841,500 | 1,228 |
| Average earning assets | $533,620,500 | 1,214 |
| Average equity | $43,515,500 | 1,568 |
| Average total loans | $405,925,500 | 1,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2694% | 4,131 |
| Cost of funding earning assets | 3.6112% | 375 |
| Net interest margin | 2.6583% | 7,562 |
| Noninterest income to average assets | 0.1564% | 7,307 |
| Noninterest expense to average assets | 2.6349% | 5,508 |
| Loan and lease loss provision to assets | 1.1813% | 1,224 |
| Net operating income to assets | -0.7083% | 7,068 |
| Return on assets (ROA) | -0.6343% | 6,919 |
| Pretax return on assets | -1.1100% | 7,064 |
| Return on Equity (ROE) | -7.8351% | 7,116 |
| Retained earnings to average equity (ytd only) | -7.8351% | 6,873 |
| Net charge-offs to loans | 1.0470% | 1,175 |
| Credit loss provision to net charge-offs | 148.7586% | 3,547 |
| Earnings coverage of net charge-offs (x) | -0.0558% | 6,289 |
| Efficiency ratio | 97.4268% | 1,082 |
| Assets per employee ($millions) | 5.2487% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,423 |
| Loan loss allowance to noncurrent loans | 91.8183% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 2,195 |
| Noncurrent loans to loans | 1.6944% | 3,229 |
| Net loans and leases to total assets | 71.0629% | 3,774 |
| Net loans and leases to deposits | 89.6927% | 3,507 |
| Net loans and leases to core deposits | 108.5840% | 3,899 |
| Total domestic deposits to total assets | 79.2293% | 5,287 |
| Equity capital to assets | 7.7827% | 7,119 |
| Core capital (leverage) ratio | 7.4817% | 7,227 |
| Tier 1 risk-based capital ratio | 9.6367% | 7,163 |
| Total risk-based capital ratio | 10.8890% | 7,051 |
| Memoranda: | ||
| Average total assets | $532,543,400 | 1,275 |
| Average earning assets | $487,651,200 | 1,262 |
| Average equity | $43,113,800 | 1,562 |
| Average total loans | $403,898,600 | 1,201 |