Home > Baytree National Bank & Trust Company > Performance and Condition Ratios
Baytree National Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.0625% | 688 |
| Cost of funding earning assets | 0.4852% | 2,828 |
| Net interest margin | 4.5773% | 643 |
| Noninterest income to average assets | 5.2983% | 117 |
| Noninterest expense to average assets | 7.4241% | 124 |
| Loan and lease loss provision to assets | 1.4638% | 57 |
| Net operating income to assets | 0.3160% | 5,480 |
| Return on assets (ROA) | 0.3160% | 5,550 |
| Pretax return on assets | 0.3160% | 5,671 |
| Return on Equity (ROE) | 7.0325% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.0325% | 1,391 |
| Net charge-offs to loans | 3.8199% | 19 |
| Credit loss provision to net charge-offs | 63.0220% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.7663% | 4,569 |
| Efficiency ratio | 80.6627% | 1,824 |
| Assets per employee ($millions) | 5.8988% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7553% | 395 |
| Loan loss allowance to noncurrent loans | 300.9950% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 4,978 |
| Noncurrent loans to loans | 0.9154% | 3,028 |
| Net loans and leases to total assets | 27.8454% | 6,239 |
| Net loans and leases to deposits | 30.2283% | 6,291 |
| Net loans and leases to core deposits | 32.1276% | 6,277 |
| Total domestic deposits to total assets | 92.1170% | 136 |
| Equity capital to assets | 7.3927% | 6,259 |
| Core capital (leverage) ratio | 6.8360% | 6,335 |
| Tier 1 risk-based capital ratio | 21.9286% | 1,234 |
| Total risk-based capital ratio | 23.1939% | 1,210 |
| Memoranda: | ||
| Average total assets | $100,012,600 | 4,601 |
| Average earning assets | $85,333,600 | 4,754 |
| Average equity | $4,493,400 | 5,990 |
| Average total loans | $60,813,000 | 4,465 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 236 |
| Cost of funding earning assets | 0.4633% | 3,120 |
| Net interest margin | 5.2184% | 200 |
| Noninterest income to average assets | 2.1918% | 298 |
| Noninterest expense to average assets | 7.7709% | 112 |
| Loan and lease loss provision to assets | 1.8265% | 38 |
| Net operating income to assets | -2.8935% | 6,556 |
| Return on assets (ROA) | -2.8935% | 6,556 |
| Pretax return on assets | -2.8935% | 6,555 |
| Return on Equity (ROE) | -72.9275% | 6,573 |
| Retained earnings to average equity (ytd only) | -72.9275% | 6,572 |
| Net charge-offs to loans | 3.6392% | 19 |
| Credit loss provision to net charge-offs | 75.3247% | 2,681 |
| Earnings coverage of net charge-offs (x) | -0.4400% | 4,496 |
| Efficiency ratio | 115.9151% | 160 |
| Assets per employee ($millions) | 1.7752% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9965% | 1,268 |
| Loan loss allowance to noncurrent loans | 50.2214% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 5.2986% | 304 |
| Noncurrent loans to loans | 3.9753% | 538 |
| Net loans and leases to total assets | 72.3773% | 1,788 |
| Net loans and leases to deposits | 82.2176% | 2,397 |
| Net loans and leases to core deposits | 86.9356% | 2,552 |
| Total domestic deposits to total assets | 88.0314% | 1,751 |
| Equity capital to assets | 3.3172% | 6,561 |
| Core capital (leverage) ratio | 3.2664% | 6,563 |
| Tier 1 risk-based capital ratio | 4.0257% | 6,572 |
| Total risk-based capital ratio | 5.2833% | 6,573 |
| Memoranda: | ||
| Average total assets | $105,844,750 | 4,503 |
| Average earning assets | $91,520,250 | 4,658 |
| Average equity | $4,199,500 | 6,110 |
| Average total loans | $70,526,750 | 4,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 238 |
| Cost of funding earning assets | 0.4533% | 3,288 |
| Net interest margin | 5.2050% | 196 |
| Noninterest income to average assets | 2.2708% | 285 |
| Noninterest expense to average assets | 7.5047% | 119 |
| Loan and lease loss provision to assets | 2.0189% | 33 |
| Net operating income to assets | -2.7166% | 6,620 |
| Return on assets (ROA) | -2.7166% | 6,620 |
| Pretax return on assets | -2.7166% | 6,615 |
| Return on Equity (ROE) | -65.4775% | 6,640 |
| Retained earnings to average equity (ytd only) | -65.4775% | 6,635 |
| Net charge-offs to loans | 4.8744% | 12 |
| Credit loss provision to net charge-offs | 64.0967% | 2,576 |
| Earnings coverage of net charge-offs (x) | -0.2215% | 4,154 |
| Efficiency ratio | 110.2503% | 230 |
| Assets per employee ($millions) | 1.8432% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 1,529 |
| Loan loss allowance to noncurrent loans | 45.1565% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 4.9811% | 366 |
| Noncurrent loans to loans | 4.2529% | 540 |
| Net loans and leases to total assets | 63.3617% | 3,186 |
| Net loans and leases to deposits | 72.3226% | 3,534 |
| Net loans and leases to core deposits | 76.0026% | 3,630 |
| Total domestic deposits to total assets | 87.6098% | 2,136 |
| Equity capital to assets | 3.9523% | 6,614 |
| Core capital (leverage) ratio | 3.8402% | 6,615 |
| Tier 1 risk-based capital ratio | 5.4705% | 6,621 |
| Total risk-based capital ratio | 6.7274% | 6,622 |
| Memoranda: | ||
| Average total assets | $110,357,000 | 4,439 |
| Average earning assets | $96,176,330 | 4,575 |
| Average equity | $4,578,670 | 6,072 |
| Average total loans | $71,312,000 | 4,191 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 241 |
| Cost of funding earning assets | 0.4569% | 3,353 |
| Net interest margin | 5.1928% | 187 |
| Noninterest income to average assets | 1.3334% | 649 |
| Noninterest expense to average assets | 7.0237% | 138 |
| Loan and lease loss provision to assets | 1.7825% | 45 |
| Net operating income to assets | -2.8760% | 6,687 |
| Return on assets (ROA) | -2.8760% | 6,689 |
| Pretax return on assets | -2.8760% | 6,684 |
| Return on Equity (ROE) | -67.9696% | 6,703 |
| Retained earnings to average equity (ytd only) | -67.9696% | 6,690 |
| Net charge-offs to loans | 5.4473% | 22 |
| Credit loss provision to net charge-offs | 50.6329% | 2,196 |
| Earnings coverage of net charge-offs (x) | -0.3106% | 3,461 |
| Efficiency ratio | 118.4393% | 186 |
| Assets per employee ($millions) | 1.9721% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,160 |
| Loan loss allowance to noncurrent loans | 33.3668% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 5.1254% | 390 |
| Noncurrent loans to loans | 5.2705% | 397 |
| Net loans and leases to total assets | 71.0856% | 1,712 |
| Net loans and leases to deposits | 80.1420% | 2,274 |
| Net loans and leases to core deposits | 85.1017% | 2,408 |
| Total domestic deposits to total assets | 88.6997% | 1,832 |
| Equity capital to assets | 4.3236% | 6,664 |
| Core capital (leverage) ratio | 3.8624% | 6,680 |
| Tier 1 risk-based capital ratio | 5.5935% | 6,690 |
| Total risk-based capital ratio | 6.8493% | 6,689 |
| Memoranda: | ||
| Average total assets | $116,690,500 | 4,345 |
| Average earning assets | $103,297,500 | 4,417 |
| Average equity | $4,937,500 | 6,010 |
| Average total loans | $75,413,000 | 4,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,670 |
| Cost of funding earning assets | 0.5162% | 3,439 |
| Net interest margin | 4.1488% | 1,505 |
| Noninterest income to average assets | 3.0684% | 223 |
| Noninterest expense to average assets | 7.1839% | 136 |
| Loan and lease loss provision to assets | 1.1801% | 141 |
| Net operating income to assets | -1.5867% | 6,683 |
| Return on assets (ROA) | -1.5867% | 6,678 |
| Pretax return on assets | -1.5867% | 6,671 |
| Return on Equity (ROE) | -35.9529% | 6,745 |
| Retained earnings to average equity (ytd only) | -35.9529% | 6,742 |
| Net charge-offs to loans | 2.7829% | 94 |
| Credit loss provision to net charge-offs | 73.8310% | 3,206 |
| Earnings coverage of net charge-offs (x) | -0.2544% | 5,160 |
| Efficiency ratio | 105.9996% | 337 |
| Assets per employee ($millions) | 2.1125% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4429% | 888 |
| Loan loss allowance to noncurrent loans | 36.9692% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 5.5331% | 383 |
| Noncurrent loans to loans | 6.6079% | 274 |
| Net loans and leases to total assets | 56.9299% | 4,200 |
| Net loans and leases to deposits | 62.8467% | 4,634 |
| Net loans and leases to core deposits | 66.3558% | 4,667 |
| Total domestic deposits to total assets | 90.5853% | 761 |
| Equity capital to assets | 4.1564% | 6,740 |
| Core capital (leverage) ratio | 3.9944% | 6,752 |
| Tier 1 risk-based capital ratio | 6.5730% | 6,744 |
| Total risk-based capital ratio | 7.8357% | 6,744 |
| Memoranda: | ||
| Average total assets | $145,839,400 | 3,771 |
| Average earning assets | $130,374,000 | 3,839 |
| Average equity | $6,436,200 | 5,708 |
| Average total loans | $83,763,000 | 3,832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 2,232 |
| Cost of funding earning assets | 0.5189% | 3,578 |
| Net interest margin | 3.9798% | 2,009 |
| Noninterest income to average assets | 3.4575% | 202 |
| Noninterest expense to average assets | 7.0554% | 145 |
| Loan and lease loss provision to assets | 1.2721% | 107 |
| Net operating income to assets | -1.3068% | 6,741 |
| Return on assets (ROA) | -1.3068% | 6,742 |
| Pretax return on assets | -1.3068% | 6,737 |
| Return on Equity (ROE) | -29.2456% | 6,811 |
| Retained earnings to average equity (ytd only) | -29.2456% | 6,804 |
| Net charge-offs to loans | 2.1295% | 167 |
| Credit loss provision to net charge-offs | 104.3732% | 2,245 |
| Earnings coverage of net charge-offs (x) | -0.0284% | 4,860 |
| Efficiency ratio | 100.4935% | 449 |
| Assets per employee ($millions) | 2.0121% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9456% | 586 |
| Loan loss allowance to noncurrent loans | 32.5793% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 7.0070% | 290 |
| Noncurrent loans to loans | 9.0414% | 171 |
| Net loans and leases to total assets | 60.3486% | 3,642 |
| Net loans and leases to deposits | 65.7062% | 4,340 |
| Net loans and leases to core deposits | 70.3553% | 4,285 |
| Total domestic deposits to total assets | 91.8462% | 274 |
| Equity capital to assets | 4.5271% | 6,798 |
| Core capital (leverage) ratio | 4.4495% | 6,807 |
| Tier 1 risk-based capital ratio | 6.8001% | 6,810 |
| Total risk-based capital ratio | 8.0692% | 6,810 |
| Memoranda: | ||
| Average total assets | $150,083,750 | 3,740 |
| Average earning assets | $134,373,750 | 3,785 |
| Average equity | $6,706,250 | 5,713 |
| Average total loans | $85,904,250 | 3,810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,785 |
| Cost of funding earning assets | 0.5077% | 3,830 |
| Net interest margin | 3.8338% | 2,431 |
| Noninterest income to average assets | 3.4976% | 207 |
| Noninterest expense to average assets | 7.0794% | 146 |
| Loan and lease loss provision to assets | 1.5042% | 85 |
| Net operating income to assets | -1.6453% | 6,821 |
| Return on assets (ROA) | -1.6453% | 6,824 |
| Pretax return on assets | -1.6453% | 6,817 |
| Return on Equity (ROE) | -36.9638% | 6,880 |
| Retained earnings to average equity (ytd only) | -36.9638% | 6,871 |
| Net charge-offs to loans | 2.1884% | 185 |
| Credit loss provision to net charge-offs | 123.2238% | 1,820 |
| Earnings coverage of net charge-offs (x) | -0.1156% | 4,587 |
| Efficiency ratio | 102.0336% | 426 |
| Assets per employee ($millions) | 1.9115% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9897% | 591 |
| Loan loss allowance to noncurrent loans | 32.0390% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 6.8524% | 347 |
| Noncurrent loans to loans | 9.3315% | 191 |
| Net loans and leases to total assets | 61.1322% | 3,456 |
| Net loans and leases to deposits | 67.1789% | 4,118 |
| Net loans and leases to core deposits | 71.9507% | 4,048 |
| Total domestic deposits to total assets | 90.9992% | 541 |
| Equity capital to assets | 4.5202% | 6,850 |
| Core capital (leverage) ratio | 4.4512% | 6,855 |
| Tier 1 risk-based capital ratio | 6.9149% | 6,850 |
| Total risk-based capital ratio | 8.1867% | 6,852 |
| Memoranda: | ||
| Average total assets | $154,505,000 | 3,696 |
| Average earning assets | $138,661,330 | 3,745 |
| Average equity | $6,877,000 | 5,716 |
| Average total loans | $86,180,670 | 3,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 2,845 |
| Cost of funding earning assets | 0.5127% | 3,946 |
| Net interest margin | 3.7995% | 2,454 |
| Noninterest income to average assets | 3.2863% | 225 |
| Noninterest expense to average assets | 7.3402% | 138 |
| Loan and lease loss provision to assets | 2.0890% | 56 |
| Net operating income to assets | -2.7374% | 6,953 |
| Return on assets (ROA) | -2.7374% | 6,954 |
| Pretax return on assets | -2.7374% | 6,951 |
| Return on Equity (ROE) | -61.9232% | 6,981 |
| Retained earnings to average equity (ytd only) | -61.9232% | 6,976 |
| Net charge-offs to loans | 3.0932% | 109 |
| Credit loss provision to net charge-offs | 128.3969% | 1,530 |
| Earnings coverage of net charge-offs (x) | -0.3985% | 3,913 |
| Efficiency ratio | 109.6882% | 330 |
| Assets per employee ($millions) | 1.9410% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1448% | 573 |
| Loan loss allowance to noncurrent loans | 29.5034% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 7.1211% | 390 |
| Noncurrent loans to loans | 10.6589% | 184 |
| Net loans and leases to total assets | 54.2380% | 4,367 |
| Net loans and leases to deposits | 59.5811% | 4,848 |
| Net loans and leases to core deposits | 63.9137% | 4,750 |
| Total domestic deposits to total assets | 91.0323% | 514 |
| Equity capital to assets | 4.3925% | 6,924 |
| Core capital (leverage) ratio | 4.2247% | 6,922 |
| Tier 1 risk-based capital ratio | 7.5254% | 6,876 |
| Total risk-based capital ratio | 8.7982% | 6,876 |
| Memoranda: | ||
| Average total assets | $161,030,500 | 3,627 |
| Average earning assets | $144,334,500 | 3,692 |
| Average equity | $7,118,500 | 5,714 |
| Average total loans | $84,701,500 | 3,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 947 |
| Cost of funding earning assets | 1.1295% | 808 |
| Net interest margin | 4.1575% | 1,788 |
| Noninterest income to average assets | 4.8882% | 151 |
| Noninterest expense to average assets | 6.5443% | 178 |
| Loan and lease loss provision to assets | 1.5677% | 193 |
| Net operating income to assets | 0.5138% | 4,625 |
| Return on assets (ROA) | -0.4195% | 6,573 |
| Pretax return on assets | -0.4195% | 6,538 |
| Return on Equity (ROE) | -12.3300% | 6,776 |
| Retained earnings to average equity (ytd only) | -12.3300% | 6,710 |
| Net charge-offs to loans | 2.6178% | 227 |
| Credit loss provision to net charge-offs | 90.8707% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.2065% | 4,851 |
| Efficiency ratio | 75.8693% | 2,770 |
| Assets per employee ($millions) | 2.2129% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8539% | 781 |
| Loan loss allowance to noncurrent loans | 23.6809% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 9.1406% | 262 |
| Noncurrent loans to loans | 12.0514% | 150 |
| Net loans and leases to total assets | 48.2390% | 5,385 |
| Net loans and leases to deposits | 53.9629% | 5,655 |
| Net loans and leases to core deposits | 57.9710% | 5,542 |
| Total domestic deposits to total assets | 89.3930% | 1,309 |
| Equity capital to assets | 4.4449% | 6,980 |
| Core capital (leverage) ratio | 4.1554% | 6,983 |
| Tier 1 risk-based capital ratio | 8.3056% | 6,898 |
| Total risk-based capital ratio | 9.5745% | 6,900 |
| Memoranda: | ||
| Average total assets | $205,720,800 | 2,977 |
| Average earning assets | $184,944,800 | 3,030 |
| Average equity | $6,999,200 | 5,765 |
| Average total loans | $135,570,600 | 2,783 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 625 |
| Cost of funding earning assets | 1.2158% | 646 |
| Net interest margin | 4.3292% | 1,400 |
| Noninterest income to average assets | 3.2647% | 225 |
| Noninterest expense to average assets | 6.2148% | 195 |
| Loan and lease loss provision to assets | 1.5875% | 193 |
| Net operating income to assets | -0.6374% | 6,751 |
| Return on assets (ROA) | -1.7700% | 7,021 |
| Pretax return on assets | -1.7700% | 6,997 |
| Return on Equity (ROE) | -55.4518% | 7,132 |
| Retained earnings to average equity (ytd only) | -55.4518% | 7,128 |
| Net charge-offs to loans | 2.3606% | 268 |
| Credit loss provision to net charge-offs | 97.2148% | 3,079 |
| Earnings coverage of net charge-offs (x) | 0.5818% | 5,028 |
| Efficiency ratio | 86.7391% | 1,322 |
| Assets per employee ($millions) | 2.3721% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,103 |
| Loan loss allowance to noncurrent loans | 22.6429% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 9.2947% | 282 |
| Noncurrent loans to loans | 8.9352% | 311 |
| Net loans and leases to total assets | 65.5483% | 2,729 |
| Net loans and leases to deposits | 73.0060% | 3,449 |
| Net loans and leases to core deposits | 82.3920% | 2,905 |
| Total domestic deposits to total assets | 89.7848% | 959 |
| Equity capital to assets | 2.8567% | 7,138 |
| Core capital (leverage) ratio | 5.1644% | 7,009 |
| Tier 1 risk-based capital ratio | 7.4182% | 7,025 |
| Total risk-based capital ratio | 8.6763% | 7,025 |
| Memoranda: | ||
| Average total assets | $214,000,250 | 2,926 |
| Average earning assets | $192,794,000 | 2,953 |
| Average equity | $6,831,000 | 5,876 |
| Average total loans | $148,036,250 | 2,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 526 |
| Cost of funding earning assets | 1.2662% | 607 |
| Net interest margin | 4.3912% | 1,225 |
| Noninterest income to average assets | 3.9869% | 183 |
| Noninterest expense to average assets | 6.4783% | 176 |
| Loan and lease loss provision to assets | 1.9405% | 154 |
| Net operating income to assets | -0.4650% | 6,716 |
| Return on assets (ROA) | -1.7806% | 7,064 |
| Pretax return on assets | -1.7806% | 7,047 |
| Return on Equity (ROE) | -54.0588% | 7,176 |
| Retained earnings to average equity (ytd only) | -54.0588% | 7,171 |
| Net charge-offs to loans | 3.1606% | 178 |
| Credit loss provision to net charge-offs | 87.8775% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.6682% | 4,726 |
| Efficiency ratio | 81.4496% | 1,970 |
| Assets per employee ($millions) | 3.0525% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 2,711 |
| Loan loss allowance to noncurrent loans | 17.8176% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 9.3244% | 307 |
| Noncurrent loans to loans | 10.3698% | 243 |
| Net loans and leases to total assets | 61.5816% | 3,513 |
| Net loans and leases to deposits | 68.0578% | 4,186 |
| Net loans and leases to core deposits | 77.8941% | 3,532 |
| Total domestic deposits to total assets | 90.4842% | 673 |
| Equity capital to assets | 3.0743% | 7,180 |
| Core capital (leverage) ratio | 5.0789% | 7,063 |
| Tier 1 risk-based capital ratio | 7.7745% | 7,053 |
| Total risk-based capital ratio | 9.0299% | 7,054 |
| Memoranda: | ||
| Average total assets | $218,916,000 | 2,883 |
| Average earning assets | $197,759,330 | 2,905 |
| Average equity | $7,210,670 | 5,785 |
| Average total loans | $152,947,000 | 2,567 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 269 |
| Cost of funding earning assets | 1.2978% | 638 |
| Net interest margin | 4.7980% | 566 |
| Noninterest income to average assets | 3.5750% | 188 |
| Noninterest expense to average assets | 6.7474% | 154 |
| Loan and lease loss provision to assets | 2.5802% | 93 |
| Net operating income to assets | -1.4138% | 7,073 |
| Return on assets (ROA) | -2.6073% | 7,203 |
| Pretax return on assets | -2.6073% | 7,186 |
| Return on Equity (ROE) | -76.6912% | 7,256 |
| Retained earnings to average equity (ytd only) | -76.6912% | 7,251 |
| Net charge-offs to loans | 2.1356% | 423 |
| Credit loss provision to net charge-offs | 164.8212% | 1,546 |
| Earnings coverage of net charge-offs (x) | 0.7451% | 3,960 |
| Efficiency ratio | 85.2612% | 1,552 |
| Assets per employee ($millions) | 2.9145% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1998% | 1,883 |
| Loan loss allowance to noncurrent loans | 24.5289% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 8.7084% | 415 |
| Noncurrent loans to loans | 8.9682% | 379 |
| Net loans and leases to total assets | 66.8793% | 2,318 |
| Net loans and leases to deposits | 73.3722% | 3,220 |
| Net loans and leases to core deposits | 85.4318% | 2,355 |
| Total domestic deposits to total assets | 91.1508% | 492 |
| Equity capital to assets | 3.1815% | 7,226 |
| Core capital (leverage) ratio | 5.2725% | 7,093 |
| Tier 1 risk-based capital ratio | 7.3774% | 7,114 |
| Total risk-based capital ratio | 8.6382% | 7,115 |
| Memoranda: | ||
| Average total assets | $221,536,000 | 2,872 |
| Average earning assets | $200,335,500 | 2,893 |
| Average equity | $7,531,500 | 5,729 |
| Average total loans | $162,389,500 | 2,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1530% | 338 |
| Cost of funding earning assets | 1.8641% | 171 |
| Net interest margin | 4.2889% | 1,734 |
| Noninterest income to average assets | 3.4061% | 181 |
| Noninterest expense to average assets | 6.7844% | 148 |
| Loan and lease loss provision to assets | 2.5879% | 165 |
| Net operating income to assets | -2.0917% | 7,042 |
| Return on assets (ROA) | -3.4056% | 7,223 |
| Pretax return on assets | -3.4056% | 7,224 |
| Return on Equity (ROE) | -70.5041% | 7,276 |
| Retained earnings to average equity (ytd only) | -70.5041% | 7,276 |
| Net charge-offs to loans | 3.0180% | 321 |
| Credit loss provision to net charge-offs | 114.2590% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.2191% | 5,663 |
| Efficiency ratio | 93.1846% | 969 |
| Assets per employee ($millions) | 2.8407% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,595 |
| Loan loss allowance to noncurrent loans | 20.7771% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 9.0986% | 394 |
| Noncurrent loans to loans | 7.6926% | 533 |
| Net loans and leases to total assets | 76.9679% | 831 |
| Net loans and leases to deposits | 84.2872% | 1,886 |
| Net loans and leases to core deposits | 100.3182% | 1,148 |
| Total domestic deposits to total assets | 91.3162% | 394 |
| Equity capital to assets | 3.6178% | 7,243 |
| Core capital (leverage) ratio | 5.6974% | 7,082 |
| Tier 1 risk-based capital ratio | 6.9685% | 7,160 |
| Total risk-based capital ratio | 8.2228% | 7,159 |
| Memoranda: | ||
| Average total assets | $212,412,600 | 2,915 |
| Average earning assets | $191,890,600 | 2,948 |
| Average equity | $10,260,400 | 4,953 |
| Average total loans | $159,408,400 | 2,504 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1210% | 381 |
| Cost of funding earning assets | 1.9602% | 139 |
| Net interest margin | 4.1608% | 2,238 |
| Noninterest income to average assets | 3.0667% | 212 |
| Noninterest expense to average assets | 6.3669% | 175 |
| Loan and lease loss provision to assets | 2.5559% | 172 |
| Net operating income to assets | -2.0889% | 7,148 |
| Return on assets (ROA) | -3.4392% | 7,302 |
| Pretax return on assets | -3.4392% | 7,301 |
| Return on Equity (ROE) | -66.7790% | 7,339 |
| Retained earnings to average equity (ytd only) | -66.7790% | 7,336 |
| Net charge-offs to loans | 3.5527% | 213 |
| Credit loss provision to net charge-offs | 96.9434% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.1771% | 5,468 |
| Efficiency ratio | 93.1662% | 959 |
| Assets per employee ($millions) | 3.0163% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 5,378 |
| Loan loss allowance to noncurrent loans | 17.9475% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 8.8539% | 457 |
| Noncurrent loans to loans | 6.8155% | 744 |
| Net loans and leases to total assets | 75.9320% | 989 |
| Net loans and leases to deposits | 82.9133% | 2,188 |
| Net loans and leases to core deposits | 111.2980% | 627 |
| Total domestic deposits to total assets | 91.5800% | 278 |
| Equity capital to assets | 3.3975% | 7,349 |
| Core capital (leverage) ratio | 5.9013% | 7,151 |
| Tier 1 risk-based capital ratio | 7.1836% | 7,234 |
| Total risk-based capital ratio | 8.3726% | 7,236 |
| Memoranda: | ||
| Average total assets | $210,122,500 | 2,958 |
| Average earning assets | $190,246,750 | 2,974 |
| Average equity | $10,821,500 | 4,847 |
| Average total loans | $155,933,000 | 2,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 415 |
| Cost of funding earning assets | 1.9979% | 145 |
| Net interest margin | 4.0708% | 2,529 |
| Noninterest income to average assets | 3.2307% | 210 |
| Noninterest expense to average assets | 6.1863% | 183 |
| Loan and lease loss provision to assets | 0.5740% | 1,689 |
| Net operating income to assets | 0.1803% | 5,804 |
| Return on assets (ROA) | -1.1680% | 7,004 |
| Pretax return on assets | -1.1680% | 6,953 |
| Return on Equity (ROE) | -20.3949% | 7,156 |
| Retained earnings to average equity (ytd only) | -20.3949% | 7,141 |
| Net charge-offs to loans | 1.5435% | 952 |
| Credit loss provision to net charge-offs | 50.7125% | 4,566 |
| Earnings coverage of net charge-offs (x) | 0.6664% | 4,792 |
| Efficiency ratio | 89.1319% | 1,310 |
| Assets per employee ($millions) | 2.5971% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,471 |
| Loan loss allowance to noncurrent loans | 11.5691% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 9.6414% | 420 |
| Noncurrent loans to loans | 8.3235% | 526 |
| Net loans and leases to total assets | 74.0522% | 1,409 |
| Net loans and leases to deposits | 82.4067% | 2,388 |
| Net loans and leases to core deposits | 113.2432% | 604 |
| Total domestic deposits to total assets | 89.8619% | 1,037 |
| Equity capital to assets | 5.4185% | 7,302 |
| Core capital (leverage) ratio | 7.4679% | 6,761 |
| Tier 1 risk-based capital ratio | 9.5158% | 7,101 |
| Total risk-based capital ratio | 10.4240% | 7,156 |
| Memoranda: | ||
| Average total assets | $210,789,000 | 2,967 |
| Average earning assets | $192,099,000 | 2,970 |
| Average equity | $12,071,670 | 4,542 |
| Average total loans | $154,581,000 | 2,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2116% | 330 |
| Cost of funding earning assets | 1.9701% | 183 |
| Net interest margin | 4.2415% | 1,780 |
| Noninterest income to average assets | 3.0881% | 212 |
| Noninterest expense to average assets | 6.0406% | 193 |
| Loan and lease loss provision to assets | -0.2920% | 7,522 |
| Net operating income to assets | 1.2379% | 1,430 |
| Return on assets (ROA) | -0.2619% | 6,634 |
| Pretax return on assets | -0.2619% | 6,590 |
| Return on Equity (ROE) | -4.4557% | 6,777 |
| Retained earnings to average equity (ytd only) | -4.4557% | 6,471 |
| Net charge-offs to loans | 1.1933% | 1,165 |
| Credit loss provision to net charge-offs | -33.6957% | 5,630 |
| Earnings coverage of net charge-offs (x) | 1.0913% | 3,847 |
| Efficiency ratio | 86.4617% | 1,658 |
| Assets per employee ($millions) | 2.9024% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,572 |
| Loan loss allowance to noncurrent loans | 9.3240% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 9.5090% | 444 |
| Noncurrent loans to loans | 10.1211% | 395 |
| Net loans and leases to total assets | 71.4276% | 1,827 |
| Net loans and leases to deposits | 79.7205% | 2,760 |
| Net loans and leases to core deposits | 115.2788% | 551 |
| Total domestic deposits to total assets | 89.5976% | 1,431 |
| Equity capital to assets | 5.9410% | 7,289 |
| Core capital (leverage) ratio | 7.7905% | 6,472 |
| Tier 1 risk-based capital ratio | 10.0683% | 6,982 |
| Total risk-based capital ratio | 10.9500% | 7,107 |
| Memoranda: | ||
| Average total assets | $212,298,000 | 2,964 |
| Average earning assets | $195,118,000 | 2,944 |
| Average equity | $12,478,500 | 4,452 |
| Average total loans | $154,194,000 | 2,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6789% | 1,646 |
| Cost of funding earning assets | 2.4992% | 108 |
| Net interest margin | 3.1797% | 6,320 |
| Noninterest income to average assets | 3.0104% | 231 |
| Noninterest expense to average assets | 5.4815% | 305 |
| Loan and lease loss provision to assets | 1.3606% | 1,113 |
| Net operating income to assets | -0.9245% | 6,640 |
| Return on assets (ROA) | -2.1010% | 7,092 |
| Pretax return on assets | -2.1010% | 7,054 |
| Return on Equity (ROE) | -40.4827% | 7,353 |
| Retained earnings to average equity (ytd only) | -40.4827% | 7,345 |
| Net charge-offs to loans | 0.4170% | 3,952 |
| Credit loss provision to net charge-offs | 402.5298% | 607 |
| Earnings coverage of net charge-offs (x) | 1.2902% | 4,811 |
| Efficiency ratio | 92.6307% | 1,136 |
| Assets per employee ($millions) | 2.9538% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 5,048 |
| Loan loss allowance to noncurrent loans | 11.2610% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 9.3714% | 468 |
| Noncurrent loans to loans | 11.4703% | 323 |
| Net loans and leases to total assets | 72.1929% | 2,060 |
| Net loans and leases to deposits | 80.6438% | 3,055 |
| Net loans and leases to core deposits | 120.6610% | 515 |
| Total domestic deposits to total assets | 89.5207% | 1,372 |
| Equity capital to assets | 5.8166% | 7,367 |
| Core capital (leverage) ratio | 7.8223% | 6,411 |
| Tier 1 risk-based capital ratio | 9.6824% | 7,084 |
| Total risk-based capital ratio | 10.9270% | 7,089 |
| Memoranda: | ||
| Average total assets | $198,813,800 | 3,117 |
| Average earning assets | $181,779,200 | 3,104 |
| Average equity | $10,318,000 | 5,033 |
| Average total loans | $161,132,200 | 2,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6597% | 257 |
| Cost of funding earning assets | 2.5895% | 102 |
| Net interest margin | 4.0702% | 2,762 |
| Noninterest income to average assets | 2.1554% | 339 |
| Noninterest expense to average assets | 5.5151% | 272 |
| Loan and lease loss provision to assets | 1.1160% | 1,301 |
| Net operating income to assets | -0.7660% | 6,772 |
| Return on assets (ROA) | -1.7847% | 7,193 |
| Pretax return on assets | -1.7847% | 7,130 |
| Return on Equity (ROE) | -35.5793% | 7,454 |
| Retained earnings to average equity (ytd only) | -35.5793% | 7,451 |
| Net charge-offs to loans | 0.3868% | 3,741 |
| Credit loss provision to net charge-offs | 346.5957% | 914 |
| Earnings coverage of net charge-offs (x) | 1.0872% | 4,968 |
| Efficiency ratio | 94.0311% | 998 |
| Assets per employee ($millions) | 2.9106% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7297% | 7,149 |
| Loan loss allowance to noncurrent loans | 6.0125% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 11.9953% | 275 |
| Noncurrent loans to loans | 12.1368% | 279 |
| Net loans and leases to total assets | 81.1306% | 605 |
| Net loans and leases to deposits | 90.8002% | 1,607 |
| Net loans and leases to core deposits | 159.8569% | 151 |
| Total domestic deposits to total assets | 89.3507% | 1,203 |
| Equity capital to assets | 7.2279% | 7,254 |
| Core capital (leverage) ratio | 9.1545% | 4,452 |
| Tier 1 risk-based capital ratio | 10.3858% | 6,841 |
| Total risk-based capital ratio | 11.0922% | 7,132 |
| Memoranda: | ||
| Average total assets | $194,611,000 | 3,211 |
| Average earning assets | $177,380,500 | 3,195 |
| Average equity | $9,762,000 | 5,264 |
| Average total loans | $161,989,500 | 2,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2702% | 541 |
| Cost of funding earning assets | 2.5381% | 152 |
| Net interest margin | 3.7321% | 4,223 |
| Noninterest income to average assets | 2.0784% | 335 |
| Noninterest expense to average assets | 5.2448% | 317 |
| Loan and lease loss provision to assets | 1.1724% | 1,209 |
| Net operating income to assets | -0.9348% | 6,917 |
| Return on assets (ROA) | -1.8419% | 7,272 |
| Pretax return on assets | -1.8419% | 7,187 |
| Return on Equity (ROE) | -43.0649% | 7,555 |
| Retained earnings to average equity (ytd only) | -43.0649% | 7,548 |
| Net charge-offs to loans | 0.3181% | 3,733 |
| Credit loss provision to net charge-offs | 440.1544% | 820 |
| Earnings coverage of net charge-offs (x) | 0.8919% | 4,875 |
| Efficiency ratio | 95.6669% | 985 |
| Assets per employee ($millions) | 2.7453% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 7,443 |
| Loan loss allowance to noncurrent loans | 4.6373% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 12.5888% | 242 |
| Noncurrent loans to loans | 12.3517% | 266 |
| Net loans and leases to total assets | 83.6153% | 385 |
| Net loans and leases to deposits | 92.9984% | 1,389 |
| Net loans and leases to core deposits | 181.1657% | 117 |
| Total domestic deposits to total assets | 89.9105% | 959 |
| Equity capital to assets | 6.7992% | 7,410 |
| Core capital (leverage) ratio | 8.0210% | 6,249 |
| Tier 1 risk-based capital ratio | 9.5978% | 7,222 |
| Total risk-based capital ratio | 10.1526% | 7,447 |
| Memoranda: | ||
| Average total assets | $194,478,330 | 3,243 |
| Average earning assets | $177,378,670 | 3,227 |
| Average equity | $8,317,670 | 5,690 |
| Average total loans | $162,861,000 | 2,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 4,798 |
| Cost of funding earning assets | 2.0709% | 886 |
| Net interest margin | 2.9762% | 6,885 |
| Noninterest income to average assets | 1.7522% | 419 |
| Noninterest expense to average assets | 4.2873% | 733 |
| Loan and lease loss provision to assets | 1.0874% | 1,131 |
| Net operating income to assets | -0.8971% | 7,057 |
| Return on assets (ROA) | -1.8583% | 7,430 |
| Pretax return on assets | -1.8583% | 7,372 |
| Return on Equity (ROE) | -59.6449% | 7,742 |
| Retained earnings to average equity (ytd only) | -59.6449% | 7,734 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7513% | 1,041 |
| Assets per employee ($millions) | 2.4461% | 7,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 7,717 |
| Loan loss allowance to noncurrent loans | 2.8870% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 11.4323% | 299 |
| Noncurrent loans to loans | 12.2647% | 275 |
| Net loans and leases to total assets | 81.1015% | 701 |
| Net loans and leases to deposits | 90.0339% | 1,893 |
| Net loans and leases to core deposits | 171.0120% | 154 |
| Total domestic deposits to total assets | 90.0788% | 947 |
| Equity capital to assets | 6.7334% | 7,472 |
| Core capital (leverage) ratio | 8.0208% | 6,206 |
| Tier 1 risk-based capital ratio | 9.8137% | 7,146 |
| Total risk-based capital ratio | 10.1612% | 7,510 |
| Memoranda: | ||
| Average total assets | $199,750,500 | 3,221 |
| Average earning assets | $182,916,000 | 3,224 |
| Average equity | $6,223,500 | 6,440 |
| Average total loans | $166,950,000 | 2,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6587% | 508 |
| Cost of funding earning assets | 3.3365% | 82 |
| Net interest margin | 3.3223% | 5,654 |
| Noninterest income to average assets | 1.6843% | 510 |
| Noninterest expense to average assets | 6.3477% | 269 |
| Loan and lease loss provision to assets | 4.1785% | 300 |
| Net operating income to assets | -5.8016% | 7,825 |
| Return on assets (ROA) | -6.0033% | 7,828 |
| Pretax return on assets | -6.0033% | 7,805 |
| Return on Equity (ROE) | -219.4995% | 8,001 |
| Retained earnings to average equity (ytd only) | -219.4995% | 8,001 |
| Net charge-offs to loans | 2.6988% | 835 |
| Credit loss provision to net charge-offs | 179.5135% | 2,323 |
| Earnings coverage of net charge-offs (x) | -0.6973% | 6,806 |
| Efficiency ratio | 133.9103% | 437 |
| Assets per employee ($millions) | 2.3973% | 7,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2991% | 295 |
| Loan loss allowance to noncurrent loans | 32.0646% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 13.0651% | 199 |
| Noncurrent loans to loans | 13.4076% | 223 |
| Net loans and leases to total assets | 82.0479% | 678 |
| Net loans and leases to deposits | 86.2020% | 2,877 |
| Net loans and leases to core deposits | 112.9463% | 2,605 |
| Total domestic deposits to total assets | 95.1810% | 47 |
| Equity capital to assets | -0.4440% | 8,000 |
| Core capital (leverage) ratio | 0.9021% | 7,983 |
| Tier 1 risk-based capital ratio | 1.0968% | 7,985 |
| Total risk-based capital ratio | 2.1936% | 7,985 |
| Memoranda: | ||
| Average total assets | $238,433,600 | 2,730 |
| Average earning assets | $218,194,200 | 2,728 |
| Average equity | $6,521,200 | 6,418 |
| Average total loans | $205,647,000 | 2,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6755% | 532 |
| Cost of funding earning assets | 3.3704% | 109 |
| Net interest margin | 3.3051% | 5,620 |
| Noninterest income to average assets | 1.4173% | 749 |
| Noninterest expense to average assets | 6.3495% | 270 |
| Loan and lease loss provision to assets | 4.0736% | 290 |
| Net operating income to assets | -5.9813% | 7,922 |
| Return on assets (ROA) | -6.0965% | 7,926 |
| Pretax return on assets | -6.0965% | 7,913 |
| Return on Equity (ROE) | -180.3100% | 8,066 |
| Retained earnings to average equity (ytd only) | -180.3100% | 8,066 |
| Net charge-offs to loans | 3.1466% | 513 |
| Credit loss provision to net charge-offs | 149.9208% | 3,208 |
| Earnings coverage of net charge-offs (x) | -0.7021% | 6,563 |
| Efficiency ratio | 142.3413% | 360 |
| Assets per employee ($millions) | 2.2650% | 7,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0951% | 616 |
| Loan loss allowance to noncurrent loans | 21.3962% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 13.7325% | 156 |
| Noncurrent loans to loans | 14.4657% | 163 |
| Net loans and leases to total assets | 82.1791% | 776 |
| Net loans and leases to deposits | 87.4110% | 3,073 |
| Net loans and leases to core deposits | 112.5965% | 2,966 |
| Total domestic deposits to total assets | 94.0146% | 54 |
| Equity capital to assets | 0.9884% | 8,075 |
| Core capital (leverage) ratio | 1.9913% | 8,053 |
| Tier 1 risk-based capital ratio | 2.5243% | 8,054 |
| Total risk-based capital ratio | 5.0487% | 8,036 |
| Memoranda: | ||
| Average total assets | $247,699,750 | 2,644 |
| Average earning assets | $226,674,750 | 2,651 |
| Average equity | $8,375,000 | 5,862 |
| Average total loans | $213,898,500 | 2,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6222% | 632 |
| Cost of funding earning assets | 3.3094% | 200 |
| Net interest margin | 3.3128% | 5,509 |
| Noninterest income to average assets | 1.2444% | 990 |
| Noninterest expense to average assets | 5.7143% | 353 |
| Loan and lease loss provision to assets | 3.5216% | 407 |
| Net operating income to assets | -4.9606% | 7,927 |
| Return on assets (ROA) | -4.8837% | 7,921 |
| Pretax return on assets | -4.8837% | 7,847 |
| Return on Equity (ROE) | -121.2680% | 8,099 |
| Retained earnings to average equity (ytd only) | -121.2680% | 8,098 |
| Net charge-offs to loans | 1.6893% | 1,122 |
| Credit loss provision to net charge-offs | 240.2413% | 1,939 |
| Earnings coverage of net charge-offs (x) | -0.9816% | 6,225 |
| Efficiency ratio | 133.2974% | 494 |
| Assets per employee ($millions) | 2.4590% | 7,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7257% | 728 |
| Loan loss allowance to noncurrent loans | 22.5768% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 12.0129% | 184 |
| Noncurrent loans to loans | 12.0728% | 222 |
| Net loans and leases to total assets | 84.1333% | 614 |
| Net loans and leases to deposits | 90.8535% | 2,682 |
| Net loans and leases to core deposits | 109.6689% | 3,411 |
| Total domestic deposits to total assets | 92.6032% | 131 |
| Equity capital to assets | 2.9243% | 8,122 |
| Core capital (leverage) ratio | 3.6215% | 8,111 |
| Tier 1 risk-based capital ratio | 4.2401% | 8,122 |
| Total risk-based capital ratio | 7.5728% | 8,049 |
| Memoranda: | ||
| Average total assets | $260,051,000 | 2,545 |
| Average earning assets | $237,928,000 | 2,539 |
| Average equity | $10,472,670 | 5,225 |
| Average total loans | $225,652,670 | 2,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1264% | 1,846 |
| Cost of funding earning assets | 3.2226% | 322 |
| Net interest margin | 2.9039% | 6,733 |
| Noninterest income to average assets | 1.5105% | 619 |
| Noninterest expense to average assets | 4.9038% | 517 |
| Loan and lease loss provision to assets | 2.7079% | 413 |
| Net operating income to assets | -3.4379% | 7,909 |
| Return on assets (ROA) | -3.6411% | 7,932 |
| Pretax return on assets | -3.6411% | 7,861 |
| Return on Equity (ROE) | -80.5548% | 8,123 |
| Retained earnings to average equity (ytd only) | -80.5548% | 8,114 |
| Net charge-offs to loans | 1.5231% | 948 |
| Credit loss provision to net charge-offs | 204.5964% | 2,173 |
| Earnings coverage of net charge-offs (x) | -0.5516% | 5,274 |
| Efficiency ratio | 117.3125% | 673 |
| Assets per employee ($millions) | 2.4820% | 7,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 2,102 |
| Loan loss allowance to noncurrent loans | 18.9474% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 9.1312% | 271 |
| Noncurrent loans to loans | 9.0395% | 355 |
| Net loans and leases to total assets | 85.9812% | 451 |
| Net loans and leases to deposits | 97.4019% | 1,754 |
| Net loans and leases to core deposits | 113.8952% | 3,017 |
| Total domestic deposits to total assets | 88.2747% | 1,596 |
| Equity capital to assets | 4.1642% | 8,157 |
| Core capital (leverage) ratio | 4.9446% | 8,130 |
| Tier 1 risk-based capital ratio | 5.4059% | 8,162 |
| Total risk-based capital ratio | 8.4807% | 8,090 |
| Memoranda: | ||
| Average total assets | $269,585,500 | 2,467 |
| Average earning assets | $247,257,000 | 2,474 |
| Average equity | $12,185,500 | 4,792 |
| Average total loans | $234,265,500 | 2,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9965% | 1,136 |
| Cost of funding earning assets | 3.5025% | 515 |
| Net interest margin | 3.4941% | 5,312 |
| Noninterest income to average assets | 1.5214% | 604 |
| Noninterest expense to average assets | 4.7427% | 742 |
| Loan and lease loss provision to assets | 1.2149% | 1,181 |
| Net operating income to assets | -1.2960% | 7,386 |
| Return on assets (ROA) | -1.2960% | 7,330 |
| Pretax return on assets | -1.2960% | 7,163 |
| Return on Equity (ROE) | -21.6652% | 7,794 |
| Retained earnings to average equity (ytd only) | -21.6652% | 7,722 |
| Net charge-offs to loans | 0.8056% | 1,547 |
| Credit loss provision to net charge-offs | 176.6474% | 2,870 |
| Earnings coverage of net charge-offs (x) | -0.1179% | 6,327 |
| Efficiency ratio | 101.7397% | 921 |
| Assets per employee ($millions) | 2.0450% | 7,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,034 |
| Loan loss allowance to noncurrent loans | 47.7165% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 3.4277% | 1,301 |
| Noncurrent loans to loans | 2.6454% | 2,051 |
| Net loans and leases to total assets | 85.2547% | 693 |
| Net loans and leases to deposits | 94.5982% | 2,675 |
| Net loans and leases to core deposits | 106.5781% | 4,123 |
| Total domestic deposits to total assets | 90.1229% | 599 |
| Equity capital to assets | 4.8592% | 8,205 |
| Core capital (leverage) ratio | 5.9114% | 8,105 |
| Tier 1 risk-based capital ratio | 6.2640% | 8,216 |
| Total risk-based capital ratio | 9.2679% | 8,116 |
| Memoranda: | ||
| Average total assets | $251,546,600 | 2,549 |
| Average earning assets | $226,070,000 | 2,585 |
| Average equity | $15,047,200 | 4,132 |
| Average total loans | $214,747,000 | 2,174 |