Home > Calusa Bank > Performance and Condition Ratios
Calusa Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,305 |
| Cost of funding earning assets | 0.3454% | 3,802 |
| Net interest margin | 3.6627% | 2,918 |
| Noninterest income to average assets | 0.3954% | 4,120 |
| Noninterest expense to average assets | 3.3371% | 1,602 |
| Loan and lease loss provision to assets | 0.2484% | 689 |
| Net operating income to assets | 0.0064% | 5,931 |
| Return on assets (ROA) | 0.0463% | 5,938 |
| Pretax return on assets | 0.0343% | 5,945 |
| Return on Equity (ROE) | 0.4513% | 5,930 |
| Retained earnings to average equity (ytd only) | 0.4513% | 5,492 |
| Net charge-offs to loans | 0.9520% | 200 |
| Credit loss provision to net charge-offs | 38.1595% | 3,184 |
| Earnings coverage of net charge-offs (x) | 0.3730% | 3,958 |
| Efficiency ratio | 93.2173% | 513 |
| Assets per employee ($millions) | 5.0685% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 5,569 |
| Loan loss allowance to noncurrent loans | 36.8421% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.5577% | 661 |
| Noncurrent loans to loans | 2.1065% | 1,073 |
| Net loans and leases to total assets | 67.9533% | 2,683 |
| Net loans and leases to deposits | 85.4291% | 2,216 |
| Net loans and leases to core deposits | 88.4383% | 2,620 |
| Total domestic deposits to total assets | 79.5435% | 4,848 |
| Equity capital to assets | 10.2695% | 3,854 |
| Core capital (leverage) ratio | 9.2799% | 4,612 |
| Tier 1 risk-based capital ratio | 14.0155% | 3,837 |
| Total risk-based capital ratio | 14.8229% | 4,023 |
| Memoranda: | ||
| Average total assets | $166,927,000 | 3,384 |
| Average earning assets | $145,134,750 | 3,501 |
| Average equity | $17,136,250 | 3,536 |
| Average total loans | $114,147,000 | 3,162 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,060 |
| Cost of funding earning assets | 0.3508% | 3,800 |
| Net interest margin | 3.7022% | 2,697 |
| Noninterest income to average assets | 0.3825% | 4,216 |
| Noninterest expense to average assets | 3.3654% | 1,537 |
| Loan and lease loss provision to assets | 0.1211% | 1,827 |
| Net operating income to assets | 0.0962% | 5,879 |
| Return on assets (ROA) | 0.1199% | 5,898 |
| Pretax return on assets | 0.1523% | 5,878 |
| Return on Equity (ROE) | 1.1680% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.1680% | 5,099 |
| Net charge-offs to loans | 0.0070% | 3,655 |
| Credit loss provision to net charge-offs | 2,525.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 50.7500% | 948 |
| Efficiency ratio | 93.2558% | 557 |
| Assets per employee ($millions) | 4.6873% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,300 |
| Loan loss allowance to noncurrent loans | 60.5937% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8359% | 1,247 |
| Noncurrent loans to loans | 2.1287% | 1,129 |
| Net loans and leases to total assets | 67.5746% | 2,703 |
| Net loans and leases to deposits | 82.7553% | 2,469 |
| Net loans and leases to core deposits | 86.4928% | 2,717 |
| Total domestic deposits to total assets | 81.6559% | 4,404 |
| Equity capital to assets | 10.1149% | 3,911 |
| Core capital (leverage) ratio | 9.5600% | 4,194 |
| Tier 1 risk-based capital ratio | 14.3341% | 3,739 |
| Total risk-based capital ratio | 15.5859% | 3,655 |
| Memoranda: | ||
| Average total assets | $166,815,330 | 3,406 |
| Average earning assets | $145,373,670 | 3,522 |
| Average equity | $17,122,670 | 3,552 |
| Average total loans | $114,013,000 | 3,179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 2,816 |
| Cost of funding earning assets | 0.3574% | 3,780 |
| Net interest margin | 3.7461% | 2,447 |
| Noninterest income to average assets | 0.3666% | 4,281 |
| Noninterest expense to average assets | 3.3789% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1749% | 5,736 |
| Return on assets (ROA) | 0.2171% | 5,730 |
| Pretax return on assets | 0.3087% | 5,638 |
| Return on Equity (ROE) | 2.0991% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.0991% | 4,625 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1516% | 640 |
| Assets per employee ($millions) | 4.4904% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,632 |
| Loan loss allowance to noncurrent loans | 52.0164% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.0289% | 1,167 |
| Noncurrent loans to loans | 2.4226% | 1,007 |
| Net loans and leases to total assets | 65.6946% | 2,825 |
| Net loans and leases to deposits | 79.3719% | 2,632 |
| Net loans and leases to core deposits | 82.8059% | 2,887 |
| Total domestic deposits to total assets | 82.7682% | 4,245 |
| Equity capital to assets | 10.4029% | 3,643 |
| Core capital (leverage) ratio | 9.5257% | 4,234 |
| Tier 1 risk-based capital ratio | 14.7826% | 3,554 |
| Total risk-based capital ratio | 16.0335% | 3,482 |
| Memoranda: | ||
| Average total assets | $165,852,500 | 3,428 |
| Average earning assets | $144,363,000 | 3,558 |
| Average equity | $17,150,000 | 3,572 |
| Average total loans | $113,261,500 | 3,214 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,712 |
| Cost of funding earning assets | 0.4174% | 3,507 |
| Net interest margin | 3.8514% | 2,425 |
| Noninterest income to average assets | 0.3010% | 4,965 |
| Noninterest expense to average assets | 3.2670% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2554% | 5,645 |
| Return on assets (ROA) | 0.2580% | 5,697 |
| Pretax return on assets | 0.3704% | 5,557 |
| Return on Equity (ROE) | 2.5213% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.5213% | 4,446 |
| Net charge-offs to loans | 0.6946% | 536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 4,567 |
| Efficiency ratio | 89.9070% | 844 |
| Assets per employee ($millions) | 4.4746% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,987 |
| Loan loss allowance to noncurrent loans | 50.8951% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 1,186 |
| Noncurrent loans to loans | 2.3599% | 1,099 |
| Net loans and leases to total assets | 69.2128% | 2,360 |
| Net loans and leases to deposits | 88.9803% | 1,621 |
| Net loans and leases to core deposits | 94.0502% | 1,914 |
| Total domestic deposits to total assets | 77.7844% | 5,472 |
| Equity capital to assets | 10.2779% | 3,758 |
| Core capital (leverage) ratio | 9.2712% | 4,570 |
| Tier 1 risk-based capital ratio | 13.9208% | 4,154 |
| Total risk-based capital ratio | 15.1709% | 4,090 |
| Memoranda: | ||
| Average total assets | $162,781,200 | 3,453 |
| Average earning assets | $140,858,600 | 3,593 |
| Average equity | $16,657,800 | 3,582 |
| Average total loans | $109,122,800 | 3,240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,781 |
| Cost of funding earning assets | 0.4273% | 3,490 |
| Net interest margin | 3.8312% | 2,509 |
| Noninterest income to average assets | 0.3825% | 4,381 |
| Noninterest expense to average assets | 3.3224% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2554% | 5,726 |
| Return on assets (ROA) | 0.2468% | 5,804 |
| Pretax return on assets | 0.3521% | 5,672 |
| Return on Equity (ROE) | 2.4142% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.4142% | 4,849 |
| Net charge-offs to loans | 0.0199% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.6910% | 1,441 |
| Efficiency ratio | 90.1160% | 837 |
| Assets per employee ($millions) | 4.5079% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8554% | 1,564 |
| Loan loss allowance to noncurrent loans | 60.5846% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.5661% | 1,006 |
| Noncurrent loans to loans | 3.0625% | 864 |
| Net loans and leases to total assets | 67.7095% | 2,580 |
| Net loans and leases to deposits | 84.2433% | 2,115 |
| Net loans and leases to core deposits | 89.1969% | 2,297 |
| Total domestic deposits to total assets | 80.3738% | 4,993 |
| Equity capital to assets | 10.0676% | 4,085 |
| Core capital (leverage) ratio | 9.5743% | 4,276 |
| Tier 1 risk-based capital ratio | 13.8047% | 4,355 |
| Total risk-based capital ratio | 15.0631% | 4,279 |
| Memoranda: | ||
| Average total assets | $162,086,750 | 3,491 |
| Average earning assets | $139,794,500 | 3,633 |
| Average equity | $16,568,250 | 3,609 |
| Average total loans | $107,408,250 | 3,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 2,500 |
| Cost of funding earning assets | 0.4455% | 3,379 |
| Net interest margin | 3.8790% | 2,256 |
| Noninterest income to average assets | 0.3713% | 4,465 |
| Noninterest expense to average assets | 3.1685% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3607% | 5,370 |
| Return on assets (ROA) | 0.3514% | 5,470 |
| Pretax return on assets | 0.5196% | 5,225 |
| Return on Equity (ROE) | 3.4195% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.4195% | 4,023 |
| Net charge-offs to loans | 0.0191% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 1,011 |
| Efficiency ratio | 85.5941% | 1,307 |
| Assets per employee ($millions) | 4.6609% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 1,425 |
| Loan loss allowance to noncurrent loans | 48.5598% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 3.2642% | 748 |
| Noncurrent loans to loans | 4.0479% | 580 |
| Net loans and leases to total assets | 65.4556% | 2,842 |
| Net loans and leases to deposits | 80.3061% | 2,478 |
| Net loans and leases to core deposits | 85.2507% | 2,583 |
| Total domestic deposits to total assets | 81.5076% | 4,811 |
| Equity capital to assets | 10.2960% | 3,701 |
| Core capital (leverage) ratio | 9.4869% | 4,352 |
| Tier 1 risk-based capital ratio | 14.7593% | 3,775 |
| Total risk-based capital ratio | 16.0193% | 3,718 |
| Memoranda: | ||
| Average total assets | $160,518,330 | 3,530 |
| Average earning assets | $137,819,000 | 3,680 |
| Average equity | $16,493,670 | 3,618 |
| Average total loans | $104,854,670 | 3,362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,377 |
| Cost of funding earning assets | 0.4487% | 3,442 |
| Net interest margin | 3.8884% | 2,126 |
| Noninterest income to average assets | 0.3944% | 4,232 |
| Noninterest expense to average assets | 3.1530% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3583% | 5,282 |
| Return on assets (ROA) | 0.3341% | 5,428 |
| Pretax return on assets | 0.5351% | 5,065 |
| Return on Equity (ROE) | 3.2553% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.2553% | 4,166 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6258% | 1,600 |
| Assets per employee ($millions) | 4.6442% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 1,344 |
| Loan loss allowance to noncurrent loans | 51.1048% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 3.1043% | 896 |
| Noncurrent loans to loans | 4.0896% | 646 |
| Net loans and leases to total assets | 61.9931% | 3,244 |
| Net loans and leases to deposits | 76.4112% | 2,766 |
| Net loans and leases to core deposits | 81.6272% | 2,774 |
| Total domestic deposits to total assets | 81.1310% | 5,198 |
| Equity capital to assets | 10.1171% | 3,698 |
| Core capital (leverage) ratio | 9.4840% | 4,309 |
| Tier 1 risk-based capital ratio | 15.2448% | 3,583 |
| Total risk-based capital ratio | 16.5069% | 3,531 |
| Memoranda: | ||
| Average total assets | $159,211,500 | 3,571 |
| Average earning assets | $136,404,500 | 3,724 |
| Average equity | $16,342,500 | 3,644 |
| Average total loans | $102,822,000 | 3,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 1,711 |
| Cost of funding earning assets | 0.4715% | 3,898 |
| Net interest margin | 4.1802% | 1,422 |
| Noninterest income to average assets | 0.4821% | 3,873 |
| Noninterest expense to average assets | 3.5728% | 1,498 |
| Loan and lease loss provision to assets | 0.0301% | 4,508 |
| Net operating income to assets | 1.7466% | 532 |
| Return on assets (ROA) | 1.7914% | 507 |
| Pretax return on assets | 0.5169% | 5,152 |
| Return on Equity (ROE) | 17.5757% | 446 |
| Retained earnings to average equity (ytd only) | 17.5757% | 112 |
| Net charge-offs to loans | 0.1950% | 2,903 |
| Credit loss provision to net charge-offs | 22.9592% | 4,391 |
| Earnings coverage of net charge-offs (x) | 3.8316% | 3,742 |
| Efficiency ratio | 87.6764% | 1,248 |
| Assets per employee ($millions) | 4.4536% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 1,344 |
| Loan loss allowance to noncurrent loans | 65.9816% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.6284% | 1,285 |
| Noncurrent loans to loans | 3.1735% | 1,073 |
| Net loans and leases to total assets | 64.5218% | 2,952 |
| Net loans and leases to deposits | 80.1815% | 2,433 |
| Net loans and leases to core deposits | 85.9548% | 2,452 |
| Total domestic deposits to total assets | 80.4697% | 5,327 |
| Equity capital to assets | 10.4185% | 3,265 |
| Core capital (leverage) ratio | 9.6906% | 3,996 |
| Tier 1 risk-based capital ratio | 15.0813% | 3,622 |
| Total risk-based capital ratio | 16.3426% | 3,558 |
| Memoranda: | ||
| Average total assets | $149,548,000 | 3,710 |
| Average earning assets | $128,533,200 | 3,877 |
| Average equity | $15,242,600 | 3,824 |
| Average total loans | $100,499,400 | 3,431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 1,599 |
| Cost of funding earning assets | 0.4783% | 3,981 |
| Net interest margin | 4.2214% | 1,276 |
| Noninterest income to average assets | 0.4956% | 3,839 |
| Noninterest expense to average assets | 3.6476% | 1,329 |
| Loan and lease loss provision to assets | 0.0405% | 4,197 |
| Net operating income to assets | 1.7841% | 538 |
| Return on assets (ROA) | 1.8319% | 509 |
| Pretax return on assets | 0.4893% | 5,386 |
| Return on Equity (ROE) | 18.0788% | 436 |
| Retained earnings to average equity (ytd only) | 18.0788% | 105 |
| Net charge-offs to loans | 0.2708% | 2,196 |
| Credit loss provision to net charge-offs | 22.1675% | 4,035 |
| Earnings coverage of net charge-offs (x) | 2.6355% | 3,955 |
| Efficiency ratio | 88.3264% | 1,134 |
| Assets per employee ($millions) | 4.4924% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1754% | 1,369 |
| Loan loss allowance to noncurrent loans | 67.1679% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.7299% | 1,377 |
| Noncurrent loans to loans | 3.2387% | 1,213 |
| Net loans and leases to total assets | 65.0345% | 2,794 |
| Net loans and leases to deposits | 77.6704% | 2,717 |
| Net loans and leases to core deposits | 82.7622% | 2,797 |
| Total domestic deposits to total assets | 83.7314% | 4,304 |
| Equity capital to assets | 10.6915% | 3,082 |
| Core capital (leverage) ratio | 9.8737% | 3,859 |
| Tier 1 risk-based capital ratio | 15.5561% | 3,447 |
| Total risk-based capital ratio | 16.8194% | 3,396 |
| Memoranda: | ||
| Average total assets | $147,966,000 | 3,779 |
| Average earning assets | $127,379,750 | 3,930 |
| Average equity | $14,993,250 | 3,912 |
| Average total loans | $99,943,000 | 3,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 1,478 |
| Cost of funding earning assets | 0.4920% | 3,969 |
| Net interest margin | 4.2411% | 1,163 |
| Noninterest income to average assets | 0.4856% | 3,929 |
| Noninterest expense to average assets | 3.3813% | 1,865 |
| Loan and lease loss provision to assets | 0.0609% | 3,791 |
| Net operating income to assets | 1.8760% | 446 |
| Return on assets (ROA) | 1.9476% | 421 |
| Pretax return on assets | 0.7642% | 4,450 |
| Return on Equity (ROE) | 19.5816% | 340 |
| Retained earnings to average equity (ytd only) | 19.5816% | 94 |
| Net charge-offs to loans | 0.4044% | 1,602 |
| Credit loss provision to net charge-offs | 22.1675% | 3,695 |
| Earnings coverage of net charge-offs (x) | 2.7438% | 3,601 |
| Efficiency ratio | 81.7795% | 1,916 |
| Assets per employee ($millions) | 4.3381% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,558 |
| Loan loss allowance to noncurrent loans | 119.3100% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 2,198 |
| Noncurrent loans to loans | 1.7889% | 2,650 |
| Net loans and leases to total assets | 66.6515% | 2,476 |
| Net loans and leases to deposits | 79.9124% | 2,333 |
| Net loans and leases to core deposits | 84.1147% | 2,550 |
| Total domestic deposits to total assets | 83.4058% | 4,544 |
| Equity capital to assets | 10.3487% | 3,494 |
| Core capital (leverage) ratio | 9.9366% | 3,606 |
| Tier 1 risk-based capital ratio | 15.7290% | 3,344 |
| Total risk-based capital ratio | 16.9926% | 3,290 |
| Memoranda: | ||
| Average total assets | $147,871,670 | 3,809 |
| Average earning assets | $127,230,000 | 3,957 |
| Average equity | $14,707,670 | 4,005 |
| Average total loans | $100,405,000 | 3,478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 1,366 |
| Cost of funding earning assets | 0.5099% | 3,973 |
| Net interest margin | 4.2542% | 1,062 |
| Noninterest income to average assets | 0.4566% | 4,077 |
| Noninterest expense to average assets | 3.3743% | 1,886 |
| Loan and lease loss provision to assets | 0.1216% | 2,706 |
| Net operating income to assets | 0.6349% | 4,053 |
| Return on assets (ROA) | 0.7240% | 3,706 |
| Pretax return on assets | 0.7240% | 4,468 |
| Return on Equity (ROE) | 7.4292% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.4292% | 1,973 |
| Net charge-offs to loans | 0.8129% | 743 |
| Credit loss provision to net charge-offs | 22.0588% | 3,008 |
| Earnings coverage of net charge-offs (x) | 1.3725% | 3,376 |
| Efficiency ratio | 81.6874% | 2,085 |
| Assets per employee ($millions) | 4.4121% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,751 |
| Loan loss allowance to noncurrent loans | 138.9754% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7599% | 2,649 |
| Noncurrent loans to loans | 1.5265% | 3,257 |
| Net loans and leases to total assets | 65.9085% | 2,381 |
| Net loans and leases to deposits | 77.0178% | 2,486 |
| Net loans and leases to core deposits | 81.8752% | 2,583 |
| Total domestic deposits to total assets | 85.5757% | 3,754 |
| Equity capital to assets | 9.6680% | 4,612 |
| Core capital (leverage) ratio | 9.6099% | 3,902 |
| Tier 1 risk-based capital ratio | 15.8723% | 3,343 |
| Total risk-based capital ratio | 17.1362% | 3,295 |
| Memoranda: | ||
| Average total assets | $148,059,000 | 3,845 |
| Average earning assets | $127,873,000 | 3,984 |
| Average equity | $14,429,500 | 4,107 |
| Average total loans | $100,381,000 | 3,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 1,743 |
| Cost of funding earning assets | 0.5837% | 4,502 |
| Net interest margin | 4.3481% | 1,294 |
| Noninterest income to average assets | 0.3797% | 4,754 |
| Noninterest expense to average assets | 3.4155% | 2,013 |
| Loan and lease loss provision to assets | 0.5054% | 1,169 |
| Net operating income to assets | 0.4358% | 4,942 |
| Return on assets (ROA) | 0.5520% | 4,718 |
| Pretax return on assets | 0.4959% | 5,293 |
| Return on Equity (ROE) | 5.8892% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.8892% | 2,147 |
| Net charge-offs to loans | 0.4432% | 2,457 |
| Credit loss provision to net charge-offs | 166.9643% | 1,589 |
| Earnings coverage of net charge-offs (x) | 2.9241% | 3,965 |
| Efficiency ratio | 79.4187% | 2,222 |
| Assets per employee ($millions) | 4.2973% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 1,353 |
| Loan loss allowance to noncurrent loans | 129.6901% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 2,491 |
| Noncurrent loans to loans | 1.7795% | 2,947 |
| Net loans and leases to total assets | 66.6956% | 2,423 |
| Net loans and leases to deposits | 78.2223% | 2,491 |
| Net loans and leases to core deposits | 83.3158% | 2,630 |
| Total domestic deposits to total assets | 85.2642% | 3,732 |
| Equity capital to assets | 9.8257% | 4,416 |
| Core capital (leverage) ratio | 9.6243% | 3,925 |
| Tier 1 risk-based capital ratio | 16.0764% | 3,121 |
| Total risk-based capital ratio | 17.3434% | 3,063 |
| Memoranda: | ||
| Average total assets | $148,002,000 | 3,809 |
| Average earning assets | $133,460,000 | 3,834 |
| Average equity | $13,872,800 | 4,185 |
| Average total loans | $101,088,000 | 3,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,917 |
| Cost of funding earning assets | 0.6016% | 4,631 |
| Net interest margin | 4.3241% | 1,412 |
| Noninterest income to average assets | 0.3763% | 4,812 |
| Noninterest expense to average assets | 3.4169% | 1,964 |
| Loan and lease loss provision to assets | 0.4894% | 1,261 |
| Net operating income to assets | 0.4203% | 5,162 |
| Return on assets (ROA) | 0.5747% | 4,771 |
| Pretax return on assets | 0.5747% | 5,246 |
| Return on Equity (ROE) | 6.2050% | 4,226 |
| Retained earnings to average equity (ytd only) | 6.2050% | 2,561 |
| Net charge-offs to loans | 0.4535% | 2,292 |
| Credit loss provision to net charge-offs | 157.9710% | 1,776 |
| Earnings coverage of net charge-offs (x) | 2.9362% | 3,850 |
| Efficiency ratio | 78.9747% | 2,240 |
| Assets per employee ($millions) | 4.4188% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 1,762 |
| Loan loss allowance to noncurrent loans | 156.6145% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 2,767 |
| Noncurrent loans to loans | 1.3874% | 3,718 |
| Net loans and leases to total assets | 67.9888% | 2,300 |
| Net loans and leases to deposits | 79.7481% | 2,430 |
| Net loans and leases to core deposits | 85.1355% | 2,565 |
| Total domestic deposits to total assets | 85.2545% | 3,636 |
| Equity capital to assets | 9.7606% | 4,834 |
| Core capital (leverage) ratio | 9.3104% | 4,568 |
| Tier 1 risk-based capital ratio | 15.9217% | 3,304 |
| Total risk-based capital ratio | 17.1874% | 3,270 |
| Memoranda: | ||
| Average total assets | $148,475,750 | 3,845 |
| Average earning assets | $135,639,250 | 3,840 |
| Average equity | $13,752,000 | 4,250 |
| Average total loans | $101,422,750 | 3,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 2,032 |
| Cost of funding earning assets | 0.6291% | 4,636 |
| Net interest margin | 4.2895% | 1,499 |
| Noninterest income to average assets | 0.3415% | 5,102 |
| Noninterest expense to average assets | 3.3503% | 2,155 |
| Loan and lease loss provision to assets | 0.4593% | 1,390 |
| Net operating income to assets | 0.4486% | 5,044 |
| Return on assets (ROA) | 0.6307% | 4,469 |
| Pretax return on assets | 0.6307% | 5,025 |
| Return on Equity (ROE) | 6.9307% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.9307% | 2,142 |
| Net charge-offs to loans | 0.6151% | 1,783 |
| Credit loss provision to net charge-offs | 109.9359% | 2,483 |
| Earnings coverage of net charge-offs (x) | 2.1731% | 3,896 |
| Efficiency ratio | 78.6792% | 2,372 |
| Assets per employee ($millions) | 4.3702% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,316 |
| Loan loss allowance to noncurrent loans | 131.5858% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 2,697 |
| Noncurrent loans to loans | 1.4962% | 3,660 |
| Net loans and leases to total assets | 68.1264% | 2,274 |
| Net loans and leases to deposits | 77.9155% | 2,683 |
| Net loans and leases to core deposits | 85.2991% | 2,515 |
| Total domestic deposits to total assets | 87.4363% | 2,507 |
| Equity capital to assets | 9.4066% | 5,187 |
| Core capital (leverage) ratio | 9.1553% | 4,679 |
| Tier 1 risk-based capital ratio | 15.3793% | 3,517 |
| Total risk-based capital ratio | 16.6427% | 3,470 |
| Memoranda: | ||
| Average total assets | $149,360,670 | 3,851 |
| Average earning assets | $136,378,000 | 3,836 |
| Average equity | $13,591,670 | 4,281 |
| Average total loans | $101,449,000 | 3,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 2,034 |
| Cost of funding earning assets | 0.6638% | 4,595 |
| Net interest margin | 4.2958% | 1,477 |
| Noninterest income to average assets | 0.3499% | 5,060 |
| Noninterest expense to average assets | 3.3309% | 2,197 |
| Loan and lease loss provision to assets | 0.7800% | 638 |
| Net operating income to assets | 0.1629% | 6,086 |
| Return on assets (ROA) | 0.4728% | 5,140 |
| Pretax return on assets | 0.4728% | 5,515 |
| Return on Equity (ROE) | 5.2840% | 4,651 |
| Retained earnings to average equity (ytd only) | 5.2840% | 3,384 |
| Net charge-offs to loans | 0.8951% | 1,150 |
| Credit loss provision to net charge-offs | 129.7778% | 1,871 |
| Earnings coverage of net charge-offs (x) | 1.5689% | 3,547 |
| Efficiency ratio | 77.9375% | 2,505 |
| Assets per employee ($millions) | 4.4148% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0440% | 2,230 |
| Loan loss allowance to noncurrent loans | 435.5789% | 778 |
| Noncurrent assets plus other real estate owned to assets | 1.2358% | 4,074 |
| Noncurrent loans to loans | 0.4693% | 5,737 |
| Net loans and leases to total assets | 66.0584% | 2,458 |
| Net loans and leases to deposits | 75.1362% | 2,951 |
| Net loans and leases to core deposits | 82.8453% | 2,708 |
| Total domestic deposits to total assets | 87.9182% | 2,375 |
| Equity capital to assets | 8.9906% | 5,508 |
| Core capital (leverage) ratio | 8.9091% | 4,983 |
| Tier 1 risk-based capital ratio | 15.0178% | 3,751 |
| Total risk-based capital ratio | 16.2816% | 3,694 |
| Memoranda: | ||
| Average total assets | $149,747,500 | 3,876 |
| Average earning assets | $136,785,500 | 3,868 |
| Average equity | $13,399,000 | 4,327 |
| Average total loans | $100,543,500 | 3,584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 2,797 |
| Cost of funding earning assets | 0.8452% | 4,503 |
| Net interest margin | 4.1736% | 2,142 |
| Noninterest income to average assets | 0.1999% | 6,070 |
| Noninterest expense to average assets | 3.1499% | 3,030 |
| Loan and lease loss provision to assets | 1.0248% | 919 |
| Net operating income to assets | 0.0442% | 5,972 |
| Return on assets (ROA) | 0.3006% | 5,402 |
| Pretax return on assets | 0.1129% | 5,948 |
| Return on Equity (ROE) | 3.5101% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.5101% | 3,725 |
| Net charge-offs to loans | 1.1675% | 1,451 |
| Credit loss provision to net charge-offs | 131.1575% | 2,327 |
| Earnings coverage of net charge-offs (x) | 1.1279% | 4,944 |
| Efficiency ratio | 78.1377% | 2,571 |
| Assets per employee ($millions) | 4.5271% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,260 |
| Loan loss allowance to noncurrent loans | 189.7630% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 3,869 |
| Noncurrent loans to loans | 1.0564% | 4,600 |
| Net loans and leases to total assets | 65.5057% | 2,879 |
| Net loans and leases to deposits | 74.7544% | 3,381 |
| Net loans and leases to core deposits | 83.2342% | 2,990 |
| Total domestic deposits to total assets | 87.6279% | 2,385 |
| Equity capital to assets | 8.9047% | 5,668 |
| Core capital (leverage) ratio | 8.7997% | 5,107 |
| Tier 1 risk-based capital ratio | 14.7937% | 3,760 |
| Total risk-based capital ratio | 16.0563% | 3,736 |
| Memoranda: | ||
| Average total assets | $147,052,400 | 3,855 |
| Average earning assets | $134,990,000 | 3,839 |
| Average equity | $12,592,400 | 4,421 |
| Average total loans | $98,418,200 | 3,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 2,858 |
| Cost of funding earning assets | 0.8702% | 4,639 |
| Net interest margin | 4.1765% | 2,186 |
| Noninterest income to average assets | 0.1884% | 6,255 |
| Noninterest expense to average assets | 3.1906% | 2,855 |
| Loan and lease loss provision to assets | 0.9704% | 898 |
| Net operating income to assets | -0.1365% | 6,321 |
| Return on assets (ROA) | 0.1921% | 5,852 |
| Pretax return on assets | 0.1921% | 5,911 |
| Return on Equity (ROE) | 2.2661% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.2661% | 4,991 |
| Net charge-offs to loans | 1.0551% | 1,510 |
| Credit loss provision to net charge-offs | 137.3711% | 2,320 |
| Earnings coverage of net charge-offs (x) | 1.1804% | 4,738 |
| Efficiency ratio | 79.2807% | 2,366 |
| Assets per employee ($millions) | 4.4689% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 2,527 |
| Loan loss allowance to noncurrent loans | 67.7883% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 3,221 |
| Noncurrent loans to loans | 2.8518% | 2,442 |
| Net loans and leases to total assets | 66.5245% | 2,776 |
| Net loans and leases to deposits | 76.0343% | 3,327 |
| Net loans and leases to core deposits | 84.2352% | 3,027 |
| Total domestic deposits to total assets | 87.4928% | 2,358 |
| Equity capital to assets | 8.8469% | 5,923 |
| Core capital (leverage) ratio | 8.7490% | 5,341 |
| Tier 1 risk-based capital ratio | 14.5874% | 3,914 |
| Total risk-based capital ratio | 15.8495% | 3,879 |
| Memoranda: | ||
| Average total assets | $146,467,250 | 3,879 |
| Average earning assets | $134,528,250 | 3,875 |
| Average equity | $12,414,750 | 4,467 |
| Average total loans | $98,057,000 | 3,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 2,997 |
| Cost of funding earning assets | 0.8920% | 4,743 |
| Net interest margin | 4.1414% | 2,259 |
| Noninterest income to average assets | 0.2176% | 6,112 |
| Noninterest expense to average assets | 3.2409% | 2,761 |
| Loan and lease loss provision to assets | 1.2537% | 606 |
| Net operating income to assets | -0.4708% | 6,665 |
| Return on assets (ROA) | -0.1451% | 6,457 |
| Pretax return on assets | -0.1451% | 6,409 |
| Return on Equity (ROE) | -1.7371% | 6,491 |
| Retained earnings to average equity (ytd only) | -1.7371% | 6,204 |
| Net charge-offs to loans | 1.2321% | 1,271 |
| Credit loss provision to net charge-offs | 152.6667% | 1,998 |
| Earnings coverage of net charge-offs (x) | 0.9533% | 4,588 |
| Efficiency ratio | 80.5442% | 2,307 |
| Assets per employee ($millions) | 4.4088% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,585 |
| Loan loss allowance to noncurrent loans | 68.6034% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.0847% | 3,136 |
| Noncurrent loans to loans | 2.8080% | 2,589 |
| Net loans and leases to total assets | 68.5862% | 2,500 |
| Net loans and leases to deposits | 78.2040% | 3,092 |
| Net loans and leases to core deposits | 85.1802% | 3,049 |
| Total domestic deposits to total assets | 87.7016% | 2,337 |
| Equity capital to assets | 8.6590% | 5,992 |
| Core capital (leverage) ratio | 8.5555% | 5,466 |
| Tier 1 risk-based capital ratio | 14.1197% | 4,086 |
| Total risk-based capital ratio | 15.3813% | 4,045 |
| Memoranda: | ||
| Average total assets | $146,131,330 | 3,916 |
| Average earning assets | $134,303,330 | 3,903 |
| Average equity | $12,204,000 | 4,508 |
| Average total loans | $97,395,670 | 3,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 3,223 |
| Cost of funding earning assets | 0.9220% | 4,765 |
| Net interest margin | 4.0527% | 2,462 |
| Noninterest income to average assets | 0.1748% | 6,481 |
| Noninterest expense to average assets | 3.1956% | 2,910 |
| Loan and lease loss provision to assets | 1.2646% | 551 |
| Net operating income to assets | -0.5517% | 6,836 |
| Return on assets (ROA) | -0.5517% | 6,840 |
| Pretax return on assets | -0.5517% | 6,780 |
| Return on Equity (ROE) | -6.7294% | 6,902 |
| Retained earnings to average equity (ytd only) | -6.7294% | 6,654 |
| Net charge-offs to loans | 0.3487% | 2,668 |
| Credit loss provision to net charge-offs | 557.8313% | 664 |
| Earnings coverage of net charge-offs (x) | 3.1446% | 2,839 |
| Efficiency ratio | 81.7610% | 2,262 |
| Assets per employee ($millions) | 4.4424% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 2,228 |
| Loan loss allowance to noncurrent loans | 69.1021% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9980% | 3,320 |
| Noncurrent loans to loans | 3.0062% | 2,505 |
| Net loans and leases to total assets | 65.0814% | 3,222 |
| Net loans and leases to deposits | 73.9287% | 3,769 |
| Net loans and leases to core deposits | 79.0168% | 3,882 |
| Total domestic deposits to total assets | 88.0326% | 2,357 |
| Equity capital to assets | 8.4333% | 6,010 |
| Core capital (leverage) ratio | 8.4671% | 5,518 |
| Tier 1 risk-based capital ratio | 14.1457% | 3,974 |
| Total risk-based capital ratio | 15.4087% | 3,935 |
| Memoranda: | ||
| Average total assets | $146,452,000 | 3,943 |
| Average earning assets | $134,922,500 | 3,913 |
| Average equity | $12,007,000 | 4,547 |
| Average total loans | $95,220,500 | 3,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 3,987 |
| Cost of funding earning assets | 1.4061% | 3,221 |
| Net interest margin | 3.7171% | 4,278 |
| Noninterest income to average assets | 0.1802% | 6,460 |
| Noninterest expense to average assets | 3.3257% | 2,655 |
| Loan and lease loss provision to assets | 1.1178% | 1,429 |
| Net operating income to assets | -0.8900% | 6,626 |
| Return on assets (ROA) | -0.8878% | 6,651 |
| Pretax return on assets | -0.8878% | 6,571 |
| Return on Equity (ROE) | -10.3105% | 6,740 |
| Retained earnings to average equity (ytd only) | -10.3105% | 6,676 |
| Net charge-offs to loans | 1.2851% | 1,742 |
| Credit loss provision to net charge-offs | 144.7818% | 2,558 |
| Earnings coverage of net charge-offs (x) | 0.2951% | 5,815 |
| Efficiency ratio | 93.5890% | 1,084 |
| Assets per employee ($millions) | 4.4335% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,966 |
| Loan loss allowance to noncurrent loans | 60.3524% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8619% | 3,539 |
| Noncurrent loans to loans | 2.9287% | 2,605 |
| Net loans and leases to total assets | 62.4479% | 4,185 |
| Net loans and leases to deposits | 70.6056% | 4,738 |
| Net loans and leases to core deposits | 76.5355% | 4,635 |
| Total domestic deposits to total assets | 88.4461% | 1,981 |
| Equity capital to assets | 7.9634% | 6,528 |
| Core capital (leverage) ratio | 7.8387% | 6,390 |
| Tier 1 risk-based capital ratio | 13.4290% | 4,272 |
| Total risk-based capital ratio | 14.6658% | 4,241 |
| Memoranda: | ||
| Average total assets | $136,514,000 | 4,129 |
| Average earning assets | $123,885,800 | 4,153 |
| Average equity | $11,755,000 | 4,681 |
| Average total loans | $82,020,000 | 4,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 4,100 |
| Cost of funding earning assets | 1.5012% | 2,978 |
| Net interest margin | 3.6435% | 4,661 |
| Noninterest income to average assets | 0.1611% | 6,711 |
| Noninterest expense to average assets | 3.3684% | 2,377 |
| Loan and lease loss provision to assets | 0.7867% | 1,941 |
| Net operating income to assets | -0.7041% | 6,731 |
| Return on assets (ROA) | -0.7041% | 6,780 |
| Pretax return on assets | -0.7041% | 6,682 |
| Return on Equity (ROE) | -8.0127% | 6,834 |
| Retained earnings to average equity (ytd only) | -8.0127% | 6,769 |
| Net charge-offs to loans | 0.8931% | 2,212 |
| Credit loss provision to net charge-offs | 148.9642% | 2,615 |
| Earnings coverage of net charge-offs (x) | 0.1563% | 5,865 |
| Efficiency ratio | 97.6081% | 833 |
| Assets per employee ($millions) | 4.3520% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,542 |
| Loan loss allowance to noncurrent loans | 122.8130% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 5,472 |
| Noncurrent loans to loans | 1.2989% | 4,688 |
| Net loans and leases to total assets | 61.5068% | 4,629 |
| Net loans and leases to deposits | 70.2405% | 5,114 |
| Net loans and leases to core deposits | 76.8782% | 4,940 |
| Total domestic deposits to total assets | 87.5661% | 2,226 |
| Equity capital to assets | 8.5639% | 6,201 |
| Core capital (leverage) ratio | 8.2837% | 5,901 |
| Tier 1 risk-based capital ratio | 13.8826% | 3,929 |
| Total risk-based capital ratio | 15.1384% | 3,896 |
| Memoranda: | ||
| Average total assets | $134,066,000 | 4,229 |
| Average earning assets | $121,053,750 | 4,261 |
| Average equity | $11,781,000 | 4,744 |
| Average total loans | $79,272,750 | 4,423 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 4,320 |
| Cost of funding earning assets | 1.6060% | 2,620 |
| Net interest margin | 3.5186% | 5,171 |
| Noninterest income to average assets | 0.1345% | 6,915 |
| Noninterest expense to average assets | 3.4122% | 2,230 |
| Loan and lease loss provision to assets | 0.8893% | 1,640 |
| Net operating income to assets | -1.0101% | 6,950 |
| Return on assets (ROA) | -1.0101% | 6,970 |
| Pretax return on assets | -1.0101% | 6,895 |
| Return on Equity (ROE) | -11.3884% | 7,016 |
| Retained earnings to average equity (ytd only) | -11.3884% | 6,971 |
| Net charge-offs to loans | 1.2722% | 1,496 |
| Credit loss provision to net charge-offs | 120.7469% | 3,356 |
| Earnings coverage of net charge-offs (x) | -0.1639% | 5,851 |
| Efficiency ratio | 103.6676% | 692 |
| Assets per employee ($millions) | 4.5422% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,770 |
| Loan loss allowance to noncurrent loans | 105.4726% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 5,464 |
| Noncurrent loans to loans | 1.4506% | 4,534 |
| Net loans and leases to total assets | 56.3223% | 5,653 |
| Net loans and leases to deposits | 64.0246% | 6,037 |
| Net loans and leases to core deposits | 69.7465% | 5,902 |
| Total domestic deposits to total assets | 87.9698% | 2,021 |
| Equity capital to assets | 8.2607% | 6,469 |
| Core capital (leverage) ratio | 8.4468% | 5,500 |
| Tier 1 risk-based capital ratio | 14.2190% | 3,593 |
| Total risk-based capital ratio | 15.4730% | 3,557 |
| Memoranda: | ||
| Average total assets | $130,883,000 | 4,329 |
| Average earning assets | $117,433,000 | 4,387 |
| Average equity | $11,608,330 | 4,779 |
| Average total loans | $75,775,330 | 4,573 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1424% | 4,334 |
| Cost of funding earning assets | 1.7627% | 2,053 |
| Net interest margin | 3.3797% | 5,668 |
| Noninterest income to average assets | 0.1132% | 7,125 |
| Noninterest expense to average assets | 3.5843% | 1,776 |
| Loan and lease loss provision to assets | 1.1452% | 1,071 |
| Net operating income to assets | -1.6142% | 7,366 |
| Return on assets (ROA) | -1.6142% | 7,371 |
| Pretax return on assets | -1.6142% | 7,297 |
| Return on Equity (ROE) | -17.4950% | 7,381 |
| Retained earnings to average equity (ytd only) | -17.4950% | 7,293 |
| Net charge-offs to loans | 1.9974% | 858 |
| Credit loss provision to net charge-offs | 98.3333% | 3,485 |
| Earnings coverage of net charge-offs (x) | -0.4028% | 5,247 |
| Efficiency ratio | 115.0571% | 514 |
| Assets per employee ($millions) | 4.0778% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,746 |
| Loan loss allowance to noncurrent loans | 70.3257% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 4,634 |
| Noncurrent loans to loans | 2.1763% | 3,563 |
| Net loans and leases to total assets | 57.4902% | 5,527 |
| Net loans and leases to deposits | 64.7894% | 5,962 |
| Net loans and leases to core deposits | 71.0562% | 5,823 |
| Total domestic deposits to total assets | 88.7340% | 1,653 |
| Equity capital to assets | 8.8152% | 5,522 |
| Core capital (leverage) ratio | 9.0667% | 4,443 |
| Tier 1 risk-based capital ratio | 15.1276% | 3,054 |
| Total risk-based capital ratio | 16.3817% | 3,005 |
| Memoranda: | ||
| Average total assets | $123,649,000 | 4,549 |
| Average earning assets | $109,833,000 | 4,618 |
| Average equity | $11,409,000 | 4,866 |
| Average total loans | $72,094,500 | 4,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 5,283 |
| Cost of funding earning assets | 2.4114% | 1,265 |
| Net interest margin | 2.8692% | 6,920 |
| Noninterest income to average assets | 0.1094% | 7,216 |
| Noninterest expense to average assets | 4.3965% | 875 |
| Loan and lease loss provision to assets | 0.7610% | 2,829 |
| Net operating income to assets | -2.5375% | 7,277 |
| Return on assets (ROA) | -2.5275% | 7,274 |
| Pretax return on assets | -2.5275% | 7,150 |
| Return on Equity (ROE) | -19.0512% | 7,111 |
| Retained earnings to average equity (ytd only) | -19.0512% | 7,069 |
| Net charge-offs to loans | 0.0225% | 6,920 |
| Credit loss provision to net charge-offs | 5,683.3333% | 67 |
| Earnings coverage of net charge-offs (x) | -132.6667% | 7,227 |
| Efficiency ratio | 167.8024% | 227 |
| Assets per employee ($millions) | 3.8936% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 2,819 |
| Loan loss allowance to noncurrent loans | 56.9485% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 3,732 |
| Noncurrent loans to loans | 3.0263% | 2,550 |
| Net loans and leases to total assets | 57.2153% | 5,788 |
| Net loans and leases to deposits | 65.2956% | 6,134 |
| Net loans and leases to core deposits | 75.5633% | 6,432 |
| Total domestic deposits to total assets | 87.6250% | 2,159 |
| Equity capital to assets | 9.6868% | 4,158 |
| Core capital (leverage) ratio | 10.0657% | 3,023 |
| Tier 1 risk-based capital ratio | 16.4558% | 2,340 |
| Total risk-based capital ratio | 17.7107% | 2,281 |
| Memoranda: | ||
| Average total assets | $89,616,000 | 5,403 |
| Average earning assets | $78,420,400 | 5,513 |
| Average equity | $11,889,000 | 4,773 |
| Average total loans | $53,338,400 | 5,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 5,446 |
| Cost of funding earning assets | 2.5318% | 1,205 |
| Net interest margin | 2.7638% | 7,107 |
| Noninterest income to average assets | 0.1111% | 7,344 |
| Noninterest expense to average assets | 4.6865% | 618 |
| Loan and lease loss provision to assets | 0.9016% | 2,134 |
| Net operating income to assets | -3.0604% | 7,598 |
| Return on assets (ROA) | -3.0460% | 7,607 |
| Pretax return on assets | -3.0460% | 7,520 |
| Return on Equity (ROE) | -20.9649% | 7,407 |
| Retained earnings to average equity (ytd only) | -20.9649% | 7,377 |
| Net charge-offs to loans | 0.0349% | 6,406 |
| Credit loss provision to net charge-offs | 4,307.6923% | 95 |
| Earnings coverage of net charge-offs (x) | -103.1714% | 6,974 |
| Efficiency ratio | 185.4140% | 181 |
| Assets per employee ($millions) | 3.5868% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 2,685 |
| Loan loss allowance to noncurrent loans | 55.0656% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 3,608 |
| Noncurrent loans to loans | 3.0593% | 2,477 |
| Net loans and leases to total assets | 58.8552% | 5,759 |
| Net loans and leases to deposits | 68.8445% | 6,046 |
| Net loans and leases to core deposits | 78.9294% | 6,425 |
| Total domestic deposits to total assets | 85.4900% | 2,971 |
| Equity capital to assets | 11.3048% | 2,745 |
| Core capital (leverage) ratio | 11.7397% | 1,943 |
| Tier 1 risk-based capital ratio | 17.7360% | 2,065 |
| Total risk-based capital ratio | 18.9909% | 2,010 |
| Memoranda: | ||
| Average total assets | $82,818,000 | 5,664 |
| Average earning assets | $72,411,000 | 5,773 |
| Average equity | $12,032,500 | 4,780 |
| Average total loans | $49,672,000 | 5,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 5,201 |
| Cost of funding earning assets | 2.7130% | 1,000 |
| Net interest margin | 2.6767% | 7,251 |
| Noninterest income to average assets | 0.1056% | 7,449 |
| Noninterest expense to average assets | 5.0270% | 501 |
| Loan and lease loss provision to assets | 0.7894% | 2,115 |
| Net operating income to assets | -3.3716% | 7,740 |
| Return on assets (ROA) | -3.3716% | 7,744 |
| Pretax return on assets | -3.3716% | 7,654 |
| Return on Equity (ROE) | -21.0662% | 7,530 |
| Retained earnings to average equity (ytd only) | -21.0662% | 7,484 |
| Net charge-offs to loans | 0.0660% | 5,579 |
| Credit loss provision to net charge-offs | 1,993.3333% | 267 |
| Earnings coverage of net charge-offs (x) | -65.2000% | 6,604 |
| Efficiency ratio | 205.6156% | 185 |
| Assets per employee ($millions) | 3.2859% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 3,265 |
| Loan loss allowance to noncurrent loans | 55.9829% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 3,935 |
| Noncurrent loans to loans | 2.6567% | 2,717 |
| Net loans and leases to total assets | 56.5867% | 6,141 |
| Net loans and leases to deposits | 67.7088% | 6,226 |
| Net loans and leases to core deposits | 79.8742% | 6,419 |
| Total domestic deposits to total assets | 83.5735% | 3,975 |
| Equity capital to assets | 12.9049% | 1,733 |
| Core capital (leverage) ratio | 13.6029% | 1,240 |
| Tier 1 risk-based capital ratio | 20.4570% | 1,495 |
| Total risk-based capital ratio | 21.7087% | 1,457 |
| Memoranda: | ||
| Average total assets | $75,751,330 | 5,925 |
| Average earning assets | $66,200,670 | 5,997 |
| Average equity | $12,123,670 | 4,779 |
| Average total loans | $45,473,000 | 5,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6158% | 4,257 |
| Cost of funding earning assets | 2.8692% | 830 |
| Net interest margin | 2.7465% | 7,100 |
| Noninterest income to average assets | 0.1183% | 7,432 |
| Noninterest expense to average assets | 5.4299% | 377 |
| Loan and lease loss provision to assets | 0.5738% | 2,191 |
| Net operating income to assets | -3.5017% | 7,922 |
| Return on assets (ROA) | -3.5017% | 7,915 |
| Pretax return on assets | -3.5017% | 7,838 |
| Return on Equity (ROE) | -19.3322% | 7,736 |
| Retained earnings to average equity (ytd only) | -19.3322% | 7,624 |
| Net charge-offs to loans | 0.0766% | 4,412 |
| Credit loss provision to net charge-offs | 1,212.5000% | 521 |
| Earnings coverage of net charge-offs (x) | -61.8750% | 5,700 |
| Efficiency ratio | 217.0213% | 161 |
| Assets per employee ($millions) | 2.9627% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 3,955 |
| Loan loss allowance to noncurrent loans | 282.7751% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 6,725 |
| Noncurrent loans to loans | 0.4671% | 6,247 |
| Net loans and leases to total assets | 55.1961% | 6,336 |
| Net loans and leases to deposits | 68.3716% | 6,146 |
| Net loans and leases to core deposits | 78.7294% | 6,480 |
| Total domestic deposits to total assets | 80.7296% | 5,078 |
| Equity capital to assets | 15.3038% | 1,012 |
| Core capital (leverage) ratio | 17.3118% | 619 |
| Tier 1 risk-based capital ratio | 23.3675% | 1,155 |
| Total risk-based capital ratio | 24.5052% | 1,137 |
| Memoranda: | ||
| Average total assets | $67,625,000 | 6,190 |
| Average earning assets | $58,692,000 | 6,315 |
| Average equity | $12,249,000 | 4,770 |
| Average total loans | $41,785,500 | 6,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3659% | 3,604 |
| Cost of funding earning assets | 2.4986% | 4,214 |
| Net interest margin | 3.8673% | 3,715 |
| Noninterest income to average assets | 0.0813% | 7,734 |
| Noninterest expense to average assets | 8.2527% | 208 |
| Loan and lease loss provision to assets | 0.8527% | 1,749 |
| Net operating income to assets | -5.7876% | 8,139 |
| Return on assets (ROA) | -5.7016% | 8,123 |
| Pretax return on assets | -5.7016% | 8,079 |
| Return on Equity (ROE) | -19.3335% | 7,749 |
| Retained earnings to average equity (ytd only) | -19.3335% | 7,665 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.7395% | 141 |
| Assets per employee ($millions) | 2.0466% | 7,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 3,834 |
| Loan loss allowance to noncurrent loans | 239.0476% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 6,100 |
| Noncurrent loans to loans | 0.5409% | 5,741 |
| Net loans and leases to total assets | 69.3577% | 4,176 |
| Net loans and leases to deposits | 89.4483% | 3,542 |
| Net loans and leases to core deposits | 100.7333% | 4,750 |
| Total domestic deposits to total assets | 77.5395% | 5,863 |
| Equity capital to assets | 22.1800% | 345 |
| Core capital (leverage) ratio | 23.1426% | 303 |
| Tier 1 risk-based capital ratio | 27.2697% | 814 |
| Total risk-based capital ratio | 28.3917% | 797 |
| Memoranda: | ||
| Average total assets | $43,040,400 | 7,075 |
| Average earning assets | $36,020,200 | 7,237 |
| Average equity | $12,693,000 | 4,648 |
| Average total loans | $28,349,400 | 6,813 |