Home > Beacon Federal > Performance and Condition Ratios
Beacon Federal, Performance and Condition Ratios
| 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 | 4.6232% | 3,122 |
| Cost of funding earning assets | 1.6737% | 93 |
| Net interest margin | 2.9494% | 6,274 |
| Noninterest income to average assets | 0.6204% | 3,152 |
| Noninterest expense to average assets | 2.3042% | 5,670 |
| Loan and lease loss provision to assets | 0.2794% | 2,332 |
| Net operating income to assets | 0.5122% | 4,796 |
| Return on assets (ROA) | 0.4863% | 5,159 |
| Pretax return on assets | 0.7672% | 4,604 |
| Return on Equity (ROE) | 4.4633% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.4633% | 3,755 |
| Net charge-offs to loans | 1.6774% | 490 |
| Credit loss provision to net charge-offs | 22.0019% | 4,925 |
| Earnings coverage of net charge-offs (x) | 0.8560% | 4,902 |
| Efficiency ratio | 67.9478% | 4,077 |
| Assets per employee ($millions) | 7.2884% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,212 |
| Loan loss allowance to noncurrent loans | 40.2691% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 3.3862% | 1,491 |
| Noncurrent loans to loans | 4.1716% | 1,195 |
| Net loans and leases to total assets | 75.7684% | 1,006 |
| Net loans and leases to deposits | 108.3724% | 188 |
| Net loans and leases to core deposits | 125.5986% | 232 |
| Total domestic deposits to total assets | 69.9148% | 6,848 |
| Equity capital to assets | 12.2464% | 2,076 |
| Core capital (leverage) ratio | 12.2698% | 1,509 |
| Tier 1 risk-based capital ratio | 15.5977% | 3,478 |
| Total risk-based capital ratio | 16.8091% | 3,461 |
| Memoranda: | ||
| Average total assets | $990,292,000 | 671 |
| Average earning assets | $930,275,250 | 647 |
| Average equity | $107,899,750 | 657 |
| Average total loans | $749,615,750 | 543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 2,944 |
| Cost of funding earning assets | 1.7855% | 71 |
| Net interest margin | 2.9081% | 6,414 |
| Noninterest income to average assets | 0.6059% | 3,220 |
| Noninterest expense to average assets | 2.3132% | 5,695 |
| Loan and lease loss provision to assets | 0.3128% | 2,108 |
| Net operating income to assets | 0.4603% | 4,998 |
| Return on assets (ROA) | 0.4105% | 5,409 |
| Pretax return on assets | 0.6352% | 5,007 |
| Return on Equity (ROE) | 3.9128% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.9128% | 4,009 |
| Net charge-offs to loans | 2.0153% | 410 |
| Credit loss provision to net charge-offs | 20.6145% | 4,595 |
| Earnings coverage of net charge-offs (x) | 0.6752% | 4,719 |
| Efficiency ratio | 69.3051% | 3,880 |
| Assets per employee ($millions) | 6.8830% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 3,064 |
| Loan loss allowance to noncurrent loans | 41.6092% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 3.4232% | 1,565 |
| Noncurrent loans to loans | 4.1853% | 1,307 |
| Net loans and leases to total assets | 73.6459% | 1,302 |
| Net loans and leases to deposits | 107.7093% | 190 |
| Net loans and leases to core deposits | 124.9212% | 253 |
| Total domestic deposits to total assets | 68.3747% | 6,984 |
| Equity capital to assets | 10.8847% | 3,247 |
| Core capital (leverage) ratio | 10.9934% | 2,298 |
| Tier 1 risk-based capital ratio | 14.3808% | 4,189 |
| Total risk-based capital ratio | 15.5976% | 4,171 |
| Memoranda: | ||
| Average total assets | $1,016,704,670 | 656 |
| Average earning assets | $955,045,000 | 626 |
| Average equity | $106,676,000 | 665 |
| Average total loans | $765,459,330 | 524 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 2,562 |
| Cost of funding earning assets | 1.8095% | 83 |
| Net interest margin | 3.0086% | 6,278 |
| Noninterest income to average assets | 0.6429% | 2,972 |
| Noninterest expense to average assets | 2.3808% | 5,537 |
| Loan and lease loss provision to assets | 0.2355% | 2,584 |
| Net operating income to assets | 0.5411% | 4,649 |
| Return on assets (ROA) | 0.5243% | 4,925 |
| Pretax return on assets | 0.8214% | 4,337 |
| Return on Equity (ROE) | 5.0900% | 4,743 |
| Retained earnings to average equity (ytd only) | 5.0900% | 3,502 |
| Net charge-offs to loans | 3.0598% | 235 |
| Credit loss provision to net charge-offs | 10.1993% | 3,900 |
| Earnings coverage of net charge-offs (x) | 0.4691% | 4,109 |
| Efficiency ratio | 68.7338% | 4,032 |
| Assets per employee ($millions) | 6.9248% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 2,944 |
| Loan loss allowance to noncurrent loans | 53.0185% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.8198% | 2,079 |
| Noncurrent loans to loans | 3.4216% | 1,835 |
| Net loans and leases to total assets | 73.0483% | 1,218 |
| Net loans and leases to deposits | 109.7763% | 140 |
| Net loans and leases to core deposits | 126.8628% | 224 |
| Total domestic deposits to total assets | 66.5428% | 7,092 |
| Equity capital to assets | 10.4290% | 3,582 |
| Core capital (leverage) ratio | 10.5678% | 2,676 |
| Tier 1 risk-based capital ratio | 14.0997% | 4,398 |
| Total risk-based capital ratio | 15.2942% | 4,403 |
| Memoranda: | ||
| Average total assets | $1,026,037,500 | 653 |
| Average earning assets | $962,056,000 | 618 |
| Average equity | $105,697,000 | 667 |
| Average total loans | $774,168,000 | 516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 2,256 |
| Cost of funding earning assets | 1.9208% | 138 |
| Net interest margin | 3.2276% | 6,019 |
| Noninterest income to average assets | 0.8554% | 1,824 |
| Noninterest expense to average assets | 2.0547% | 6,575 |
| Loan and lease loss provision to assets | 0.9664% | 992 |
| Net operating income to assets | 0.5737% | 4,125 |
| Return on assets (ROA) | 0.5526% | 4,406 |
| Pretax return on assets | 0.8359% | 3,843 |
| Return on Equity (ROE) | 5.6595% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.6595% | 2,201 |
| Net charge-offs to loans | 1.3792% | 1,186 |
| Credit loss provision to net charge-offs | 90.2341% | 3,996 |
| Earnings coverage of net charge-offs (x) | 1.7127% | 4,494 |
| Efficiency ratio | 52.8340% | 6,627 |
| Assets per employee ($millions) | 7.1833% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,367 |
| Loan loss allowance to noncurrent loans | 78.9157% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 3,605 |
| Noncurrent loans to loans | 1.8003% | 3,470 |
| Net loans and leases to total assets | 75.4171% | 1,032 |
| Net loans and leases to deposits | 112.9048% | 133 |
| Net loans and leases to core deposits | 131.2004% | 225 |
| Total domestic deposits to total assets | 66.7971% | 7,110 |
| Equity capital to assets | 10.1742% | 3,936 |
| Core capital (leverage) ratio | 10.3172% | 2,949 |
| Tier 1 risk-based capital ratio | 13.2818% | 4,852 |
| Total risk-based capital ratio | 14.5318% | 4,833 |
| Memoranda: | ||
| Average total assets | $1,041,162,400 | 636 |
| Average earning assets | $978,594,400 | 604 |
| Average equity | $101,651,800 | 674 |
| Average total loans | $808,535,000 | 511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 2,266 |
| Cost of funding earning assets | 1.9241% | 159 |
| Net interest margin | 3.2607% | 5,983 |
| Noninterest income to average assets | 0.5359% | 3,613 |
| Noninterest expense to average assets | 2.1091% | 6,487 |
| Loan and lease loss provision to assets | 0.4947% | 2,011 |
| Net operating income to assets | 0.6670% | 3,787 |
| Return on assets (ROA) | 0.6390% | 4,110 |
| Pretax return on assets | 0.9593% | 3,563 |
| Return on Equity (ROE) | 6.6139% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.6139% | 2,193 |
| Net charge-offs to loans | 0.6224% | 2,384 |
| Credit loss provision to net charge-offs | 101.9732% | 3,281 |
| Earnings coverage of net charge-offs (x) | 3.0831% | 3,594 |
| Efficiency ratio | 58.5080% | 5,934 |
| Assets per employee ($millions) | 7.4350% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,941 |
| Loan loss allowance to noncurrent loans | 63.0808% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.9783% | 3,167 |
| Noncurrent loans to loans | 2.4323% | 2,846 |
| Net loans and leases to total assets | 75.3580% | 1,080 |
| Net loans and leases to deposits | 110.1231% | 178 |
| Net loans and leases to core deposits | 127.9653% | 269 |
| Total domestic deposits to total assets | 68.4307% | 7,119 |
| Equity capital to assets | 9.7526% | 4,700 |
| Core capital (leverage) ratio | 9.7987% | 3,708 |
| Tier 1 risk-based capital ratio | 12.6874% | 5,342 |
| Total risk-based capital ratio | 13.9375% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,044,650,000 | 642 |
| Average earning assets | $983,213,000 | 608 |
| Average equity | $100,937,000 | 690 |
| Average total loans | $814,204,000 | 515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 2,224 |
| Cost of funding earning assets | 1.9390% | 179 |
| Net interest margin | 3.2717% | 5,935 |
| Noninterest income to average assets | 0.5460% | 3,501 |
| Noninterest expense to average assets | 2.1411% | 6,519 |
| Loan and lease loss provision to assets | 0.4398% | 2,237 |
| Net operating income to assets | 0.6657% | 3,709 |
| Return on assets (ROA) | 0.6390% | 3,990 |
| Pretax return on assets | 1.0039% | 3,221 |
| Return on Equity (ROE) | 6.6348% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.6348% | 2,063 |
| Net charge-offs to loans | 0.4953% | 2,618 |
| Credit loss provision to net charge-offs | 113.2207% | 2,706 |
| Earnings coverage of net charge-offs (x) | 3.8241% | 3,043 |
| Efficiency ratio | 59.0418% | 6,018 |
| Assets per employee ($millions) | 6.8964% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,847 |
| Loan loss allowance to noncurrent loans | 145.3376% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 5,179 |
| Noncurrent loans to loans | 1.0760% | 4,869 |
| Net loans and leases to total assets | 77.1613% | 892 |
| Net loans and leases to deposits | 117.6451% | 101 |
| Net loans and leases to core deposits | 135.4738% | 217 |
| Total domestic deposits to total assets | 65.5882% | 7,269 |
| Equity capital to assets | 9.8580% | 4,322 |
| Core capital (leverage) ratio | 9.8693% | 3,425 |
| Tier 1 risk-based capital ratio | 12.5093% | 5,339 |
| Total risk-based capital ratio | 13.7594% | 5,310 |
| Memoranda: | ||
| Average total assets | $1,035,988,000 | 652 |
| Average earning assets | $975,451,330 | 616 |
| Average equity | $99,777,670 | 691 |
| Average total loans | $812,478,000 | 524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 2,250 |
| Cost of funding earning assets | 1.9602% | 190 |
| Net interest margin | 3.2323% | 5,976 |
| Noninterest income to average assets | 0.5052% | 3,842 |
| Noninterest expense to average assets | 2.1512% | 6,528 |
| Loan and lease loss provision to assets | 0.3790% | 2,292 |
| Net operating income to assets | 0.6368% | 3,824 |
| Return on assets (ROA) | 0.6093% | 4,053 |
| Pretax return on assets | 0.9743% | 3,234 |
| Return on Equity (ROE) | 6.4024% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.4024% | 2,421 |
| Net charge-offs to loans | 0.6173% | 1,965 |
| Credit loss provision to net charge-offs | 78.2574% | 3,192 |
| Earnings coverage of net charge-offs (x) | 2.8833% | 2,932 |
| Efficiency ratio | 60.6395% | 5,882 |
| Assets per employee ($millions) | 7.1305% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 4,195 |
| Loan loss allowance to noncurrent loans | 138.9249% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 5,194 |
| Noncurrent loans to loans | 1.0817% | 4,886 |
| Net loans and leases to total assets | 77.4891% | 805 |
| Net loans and leases to deposits | 116.1197% | 116 |
| Net loans and leases to core deposits | 135.8917% | 225 |
| Total domestic deposits to total assets | 66.7320% | 7,309 |
| Equity capital to assets | 9.6212% | 4,289 |
| Core capital (leverage) ratio | 9.7074% | 3,509 |
| Tier 1 risk-based capital ratio | 12.2802% | 5,455 |
| Total risk-based capital ratio | 13.5302% | 5,451 |
| Memoranda: | ||
| Average total assets | $1,033,306,000 | 659 |
| Average earning assets | $972,565,000 | 626 |
| Average equity | $98,338,000 | 692 |
| Average total loans | $810,574,000 | 534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 2,392 |
| Cost of funding earning assets | 2.2849% | 223 |
| Net interest margin | 3.1865% | 6,300 |
| Noninterest income to average assets | 0.4722% | 4,370 |
| Noninterest expense to average assets | 1.8763% | 7,193 |
| Loan and lease loss provision to assets | 0.6797% | 2,424 |
| Net operating income to assets | 0.5811% | 3,750 |
| Return on assets (ROA) | 0.5051% | 4,232 |
| Pretax return on assets | 0.7960% | 3,653 |
| Return on Equity (ROE) | 5.8068% | 3,697 |
| Retained earnings to average equity (ytd only) | 5.8068% | 1,934 |
| Net charge-offs to loans | 1.2537% | 1,792 |
| Credit loss provision to net charge-offs | 69.6955% | 5,870 |
| Earnings coverage of net charge-offs (x) | 1.6350% | 4,512 |
| Efficiency ratio | 54.0605% | 6,798 |
| Assets per employee ($millions) | 7.2216% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,787 |
| Loan loss allowance to noncurrent loans | 119.6591% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 4,947 |
| Noncurrent loans to loans | 1.2929% | 4,553 |
| Net loans and leases to total assets | 77.0078% | 1,092 |
| Net loans and leases to deposits | 115.7651% | 145 |
| Net loans and leases to core deposits | 133.4393% | 294 |
| Total domestic deposits to total assets | 66.5207% | 7,375 |
| Equity capital to assets | 9.4124% | 4,529 |
| Core capital (leverage) ratio | 9.5484% | 3,649 |
| Tier 1 risk-based capital ratio | 12.1744% | 5,310 |
| Total risk-based capital ratio | 13.4245% | 5,290 |
| Memoranda: | ||
| Average total assets | $1,060,803,200 | 635 |
| Average earning assets | $998,252,400 | 600 |
| Average equity | $92,271,000 | 722 |
| Average total loans | $825,187,400 | 538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4811% | 2,515 |
| Cost of funding earning assets | 2.3296% | 246 |
| Net interest margin | 3.1516% | 6,483 |
| Noninterest income to average assets | 0.4210% | 4,792 |
| Noninterest expense to average assets | 1.8257% | 7,306 |
| Loan and lease loss provision to assets | 0.6505% | 2,352 |
| Net operating income to assets | 0.5758% | 3,979 |
| Return on assets (ROA) | 0.4946% | 4,537 |
| Pretax return on assets | 0.7856% | 3,966 |
| Return on Equity (ROE) | 5.8010% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.8010% | 2,476 |
| Net charge-offs to loans | 1.2879% | 1,585 |
| Credit loss provision to net charge-offs | 65.0193% | 5,561 |
| Earnings coverage of net charge-offs (x) | 1.5622% | 4,553 |
| Efficiency ratio | 53.8762% | 6,800 |
| Assets per employee ($millions) | 7.3035% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,663 |
| Loan loss allowance to noncurrent loans | 137.6395% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 5,202 |
| Noncurrent loans to loans | 1.1398% | 4,958 |
| Net loans and leases to total assets | 76.0026% | 1,407 |
| Net loans and leases to deposits | 113.9440% | 188 |
| Net loans and leases to core deposits | 131.9651% | 350 |
| Total domestic deposits to total assets | 66.7017% | 7,442 |
| Equity capital to assets | 9.0201% | 5,551 |
| Core capital (leverage) ratio | 9.1375% | 4,471 |
| Tier 1 risk-based capital ratio | 11.7200% | 5,712 |
| Total risk-based capital ratio | 12.9700% | 5,682 |
| Memoranda: | ||
| Average total assets | $1,067,833,250 | 622 |
| Average earning assets | $1,005,530,500 | 593 |
| Average equity | $91,038,750 | 728 |
| Average total loans | $829,548,750 | 530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,642 |
| Cost of funding earning assets | 2.3574% | 278 |
| Net interest margin | 3.1154% | 6,563 |
| Noninterest income to average assets | 0.3977% | 4,934 |
| Noninterest expense to average assets | 1.8127% | 7,376 |
| Loan and lease loss provision to assets | 0.6126% | 2,344 |
| Net operating income to assets | 0.5696% | 3,999 |
| Return on assets (ROA) | 0.5239% | 4,381 |
| Pretax return on assets | 0.8357% | 3,758 |
| Return on Equity (ROE) | 6.2651% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.2651% | 2,192 |
| Net charge-offs to loans | 0.2023% | 4,400 |
| Credit loss provision to net charge-offs | 389.0866% | 932 |
| Earnings coverage of net charge-offs (x) | 9.6512% | 1,991 |
| Efficiency ratio | 54.3972% | 6,832 |
| Assets per employee ($millions) | 7.6565% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 1,832 |
| Loan loss allowance to noncurrent loans | 117.8758% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 4,122 |
| Noncurrent loans to loans | 1.8388% | 3,951 |
| Net loans and leases to total assets | 76.0828% | 1,482 |
| Net loans and leases to deposits | 115.6849% | 182 |
| Net loans and leases to core deposits | 133.9307% | 366 |
| Total domestic deposits to total assets | 65.7672% | 7,534 |
| Equity capital to assets | 8.6210% | 5,986 |
| Core capital (leverage) ratio | 8.8763% | 4,795 |
| Tier 1 risk-based capital ratio | 11.4421% | 5,832 |
| Total risk-based capital ratio | 12.6921% | 5,800 |
| Memoranda: | ||
| Average total assets | $1,070,774,330 | 618 |
| Average earning assets | $1,008,651,000 | 586 |
| Average equity | $89,543,670 | 727 |
| Average total loans | $833,497,330 | 529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 2,431 |
| Cost of funding earning assets | 2.4067% | 297 |
| Net interest margin | 3.1289% | 6,519 |
| Noninterest income to average assets | 0.3827% | 5,069 |
| Noninterest expense to average assets | 1.7967% | 7,466 |
| Loan and lease loss provision to assets | 0.6653% | 1,906 |
| Net operating income to assets | 0.5496% | 4,139 |
| Return on assets (ROA) | 0.4881% | 4,588 |
| Pretax return on assets | 0.7733% | 3,976 |
| Return on Equity (ROE) | 5.9289% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.9289% | 2,653 |
| Net charge-offs to loans | 0.1262% | 4,211 |
| Credit loss provision to net charge-offs | 676.8061% | 654 |
| Earnings coverage of net charge-offs (x) | 15.6122% | 1,371 |
| Efficiency ratio | 53.9325% | 6,979 |
| Assets per employee ($millions) | 8.0707% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,049 |
| Loan loss allowance to noncurrent loans | 106.5821% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 4,143 |
| Noncurrent loans to loans | 1.9285% | 3,889 |
| Net loans and leases to total assets | 76.1235% | 1,518 |
| Net loans and leases to deposits | 115.1004% | 193 |
| Net loans and leases to core deposits | 132.2335% | 433 |
| Total domestic deposits to total assets | 66.1366% | 7,612 |
| Equity capital to assets | 8.3496% | 6,226 |
| Core capital (leverage) ratio | 8.6776% | 5,053 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,850 |
| Total risk-based capital ratio | 12.5548% | 5,815 |
| Memoranda: | ||
| Average total assets | $1,070,208,500 | 634 |
| Average earning assets | $1,008,530,000 | 608 |
| Average equity | $88,111,000 | 746 |
| Average total loans | $833,444,000 | 549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6934% | 3,135 |
| Cost of funding earning assets | 2.7785% | 473 |
| Net interest margin | 2.9149% | 6,832 |
| Noninterest income to average assets | 0.4232% | 5,025 |
| Noninterest expense to average assets | 1.7395% | 7,666 |
| Loan and lease loss provision to assets | 0.7741% | 2,793 |
| Net operating income to assets | 0.4191% | 4,052 |
| Return on assets (ROA) | 0.3408% | 4,458 |
| Pretax return on assets | 0.5285% | 4,111 |
| Return on Equity (ROE) | 4.4162% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.4162% | 2,154 |
| Net charge-offs to loans | 0.3204% | 4,639 |
| Credit loss provision to net charge-offs | 311.0728% | 1,056 |
| Earnings coverage of net charge-offs (x) | 5.7261% | 2,514 |
| Efficiency ratio | 54.9714% | 7,133 |
| Assets per employee ($millions) | 8.0227% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,325 |
| Loan loss allowance to noncurrent loans | 121.2740% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 4,533 |
| Noncurrent loans to loans | 1.5480% | 4,330 |
| Net loans and leases to total assets | 76.5686% | 1,685 |
| Net loans and leases to deposits | 115.9913% | 233 |
| Net loans and leases to core deposits | 144.0952% | 669 |
| Total domestic deposits to total assets | 66.0123% | 7,639 |
| Equity capital to assets | 8.1159% | 6,444 |
| Core capital (leverage) ratio | 8.5555% | 5,178 |
| Tier 1 risk-based capital ratio | 11.1047% | 5,825 |
| Total risk-based capital ratio | 12.3547% | 5,775 |
| Memoranda: | ||
| Average total assets | $1,048,866,000 | 640 |
| Average earning assets | $986,345,800 | 611 |
| Average equity | $80,952,800 | 801 |
| Average total loans | $814,570,600 | 567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,441 |
| Cost of funding earning assets | 2.8214% | 565 |
| Net interest margin | 2.8573% | 6,946 |
| Noninterest income to average assets | 0.4337% | 5,009 |
| Noninterest expense to average assets | 1.7154% | 7,750 |
| Loan and lease loss provision to assets | 0.7908% | 2,389 |
| Net operating income to assets | 0.3907% | 4,435 |
| Return on assets (ROA) | 0.3311% | 4,779 |
| Pretax return on assets | 0.5199% | 4,454 |
| Return on Equity (ROE) | 4.3465% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.3465% | 2,842 |
| Net charge-offs to loans | 0.1677% | 5,047 |
| Credit loss provision to net charge-offs | 607.8508% | 627 |
| Earnings coverage of net charge-offs (x) | 10.7910% | 1,920 |
| Efficiency ratio | 54.9935% | 7,117 |
| Assets per employee ($millions) | 8.0421% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,167 |
| Loan loss allowance to noncurrent loans | 118.8670% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2269% | 4,611 |
| Noncurrent loans to loans | 1.5515% | 4,313 |
| Net loans and leases to total assets | 76.1155% | 1,978 |
| Net loans and leases to deposits | 117.4726% | 247 |
| Net loans and leases to core deposits | 142.1108% | 832 |
| Total domestic deposits to total assets | 64.7943% | 7,735 |
| Equity capital to assets | 7.8966% | 6,949 |
| Core capital (leverage) ratio | 8.3807% | 5,691 |
| Tier 1 risk-based capital ratio | 11.0264% | 5,927 |
| Total risk-based capital ratio | 12.2765% | 5,891 |
| Memoranda: | ||
| Average total assets | $1,044,327,750 | 657 |
| Average earning assets | $981,565,750 | 626 |
| Average equity | $79,541,500 | 826 |
| Average total loans | $810,055,250 | 583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,506 |
| Cost of funding earning assets | 2.8644% | 662 |
| Net interest margin | 2.8415% | 6,930 |
| Noninterest income to average assets | 0.4340% | 4,998 |
| Noninterest expense to average assets | 1.7029% | 7,828 |
| Loan and lease loss provision to assets | 0.9449% | 1,788 |
| Net operating income to assets | 0.2979% | 4,905 |
| Return on assets (ROA) | 0.2294% | 5,248 |
| Pretax return on assets | 0.3496% | 5,072 |
| Return on Equity (ROE) | 3.0500% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.0500% | 3,619 |
| Net charge-offs to loans | 0.1879% | 4,384 |
| Credit loss provision to net charge-offs | 648.2119% | 717 |
| Earnings coverage of net charge-offs (x) | 9.5934% | 2,102 |
| Efficiency ratio | 54.9088% | 7,239 |
| Assets per employee ($millions) | 7.8663% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 2,209 |
| Loan loss allowance to noncurrent loans | 104.9838% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,332 |
| Noncurrent loans to loans | 1.6572% | 4,007 |
| Net loans and leases to total assets | 76.9831% | 1,951 |
| Net loans and leases to deposits | 119.8666% | 238 |
| Net loans and leases to core deposits | 140.1329% | 1,004 |
| Total domestic deposits to total assets | 64.2240% | 7,820 |
| Equity capital to assets | 7.6052% | 7,173 |
| Core capital (leverage) ratio | 8.3633% | 5,691 |
| Tier 1 risk-based capital ratio | 11.0944% | 5,781 |
| Total risk-based capital ratio | 12.3319% | 5,715 |
| Memoranda: | ||
| Average total assets | $1,035,903,000 | 674 |
| Average earning assets | $972,360,000 | 648 |
| Average equity | $77,901,330 | 853 |
| Average total loans | $803,597,000 | 606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 3,400 |
| Cost of funding earning assets | 2.9629% | 663 |
| Net interest margin | 2.8179% | 6,956 |
| Noninterest income to average assets | 0.4277% | 4,978 |
| Noninterest expense to average assets | 1.6237% | 7,892 |
| Loan and lease loss provision to assets | 1.1619% | 1,120 |
| Net operating income to assets | 0.1936% | 5,678 |
| Return on assets (ROA) | 0.1936% | 5,851 |
| Pretax return on assets | 0.2829% | 5,722 |
| Return on Equity (ROE) | 2.5899% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.5899% | 4,437 |
| Net charge-offs to loans | 0.2755% | 3,021 |
| Credit loss provision to net charge-offs | 546.3504% | 1,018 |
| Earnings coverage of net charge-offs (x) | 6.7938% | 2,443 |
| Efficiency ratio | 52.9151% | 7,328 |
| Assets per employee ($millions) | 8.3205% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,700 |
| Loan loss allowance to noncurrent loans | 130.0093% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 4,831 |
| Noncurrent loans to loans | 1.1959% | 4,582 |
| Net loans and leases to total assets | 76.5123% | 2,158 |
| Net loans and leases to deposits | 117.9327% | 336 |
| Net loans and leases to core deposits | 137.0621% | 1,244 |
| Total domestic deposits to total assets | 64.8780% | 7,802 |
| Equity capital to assets | 7.4519% | 7,396 |
| Core capital (leverage) ratio | 8.3171% | 5,872 |
| Tier 1 risk-based capital ratio | 11.1210% | 5,795 |
| Total risk-based capital ratio | 12.3757% | 5,708 |
| Memoranda: | ||
| Average total assets | $1,030,745,500 | 673 |
| Average earning assets | $965,954,000 | 652 |
| Average equity | $77,068,500 | 856 |
| Average total loans | $795,559,500 | 621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1419% | 4,818 |
| Cost of funding earning assets | 3.4738% | 565 |
| Net interest margin | 2.6682% | 7,550 |
| Noninterest income to average assets | 0.3344% | 6,060 |
| Noninterest expense to average assets | 1.4784% | 8,045 |
| Loan and lease loss provision to assets | 1.9446% | 635 |
| Net operating income to assets | -0.3057% | 6,740 |
| Return on assets (ROA) | -0.3219% | 6,624 |
| Pretax return on assets | -0.5780% | 6,717 |
| Return on Equity (ROE) | -4.2335% | 6,778 |
| Retained earnings to average equity (ytd only) | -4.2335% | 6,367 |
| Net charge-offs to loans | 0.6830% | 1,799 |
| Credit loss provision to net charge-offs | 366.3682% | 1,206 |
| Earnings coverage of net charge-offs (x) | 2.6224% | 4,778 |
| Efficiency ratio | 51.5062% | 7,542 |
| Assets per employee ($millions) | 8.1066% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 3,492 |
| Loan loss allowance to noncurrent loans | 225.0534% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,826 |
| Noncurrent loans to loans | 0.5986% | 5,578 |
| Net loans and leases to total assets | 75.6029% | 2,727 |
| Net loans and leases to deposits | 119.1924% | 401 |
| Net loans and leases to core deposits | 137.5020% | 1,411 |
| Total domestic deposits to total assets | 63.4293% | 7,817 |
| Equity capital to assets | 7.5025% | 7,376 |
| Core capital (leverage) ratio | 8.1999% | 6,165 |
| Tier 1 risk-based capital ratio | 11.5691% | 5,177 |
| Total risk-based capital ratio | 12.8204% | 5,067 |
| Memoranda: | ||
| Average total assets | $967,999,200 | 683 |
| Average earning assets | $920,037,200 | 650 |
| Average equity | $73,602,800 | 902 |
| Average total loans | $752,227,800 | 638 |