Home > Capitol City Bank & Trust Company > Performance and Condition Ratios
Capitol City 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 | 4.5505% | 1,696 |
| Cost of funding earning assets | 1.1950% | 87 |
| Net interest margin | 3.3555% | 4,388 |
| Noninterest income to average assets | 0.6805% | 2,393 |
| Noninterest expense to average assets | 3.8073% | 981 |
| Loan and lease loss provision to assets | 0.8509% | 147 |
| Net operating income to assets | -1.2006% | 6,401 |
| Return on assets (ROA) | -1.2006% | 6,403 |
| Pretax return on assets | -1.2006% | 6,393 |
| Return on Equity (ROE) | -88.6598% | 6,500 |
| Retained earnings to average equity (ytd only) | -88.6598% | 6,500 |
| Net charge-offs to loans | 1.6393% | 142 |
| Credit loss provision to net charge-offs | 72.9141% | 3,001 |
| Earnings coverage of net charge-offs (x) | -0.2997% | 4,746 |
| Efficiency ratio | 110.1149% | 219 |
| Assets per employee ($millions) | 3.5830% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8164% | 367 |
| Loan loss allowance to noncurrent loans | 29.3073% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 16.6497% | 25 |
| Noncurrent loans to loans | 9.6098% | 72 |
| Net loans and leases to total assets | 67.7685% | 2,593 |
| Net loans and leases to deposits | 70.2606% | 3,876 |
| Net loans and leases to core deposits | 72.8102% | 4,045 |
| Total domestic deposits to total assets | 96.4530% | 8 |
| Equity capital to assets | 1.2335% | 6,506 |
| Core capital (leverage) ratio | 1.5673% | 6,507 |
| Tier 1 risk-based capital ratio | 1.8543% | 6,507 |
| Total risk-based capital ratio | 3.1176% | 6,507 |
| Memoranda: | ||
| Average total assets | $279,359,200 | 2,283 |
| Average earning assets | $231,205,200 | 2,508 |
| Average equity | $3,783,000 | 6,132 |
| Average total loans | $198,868,800 | 2,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,904 |
| Cost of funding earning assets | 1.2140% | 84 |
| Net interest margin | 3.2766% | 4,690 |
| Noninterest income to average assets | 0.6094% | 2,809 |
| Noninterest expense to average assets | 3.7800% | 999 |
| Loan and lease loss provision to assets | 1.1274% | 93 |
| Net operating income to assets | -1.5713% | 6,504 |
| Return on assets (ROA) | -1.5718% | 6,501 |
| Pretax return on assets | -1.5718% | 6,492 |
| Return on Equity (ROE) | -113.6169% | 6,581 |
| Retained earnings to average equity (ytd only) | -113.6169% | 6,581 |
| Net charge-offs to loans | 2.1732% | 88 |
| Credit loss provision to net charge-offs | 72.5137% | 2,723 |
| Earnings coverage of net charge-offs (x) | -0.2855% | 4,484 |
| Efficiency ratio | 113.3068% | 189 |
| Assets per employee ($millions) | 3.5108% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7779% | 453 |
| Loan loss allowance to noncurrent loans | 29.3648% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 16.4765% | 24 |
| Noncurrent loans to loans | 9.4598% | 87 |
| Net loans and leases to total assets | 68.1221% | 2,518 |
| Net loans and leases to deposits | 70.5514% | 3,853 |
| Net loans and leases to core deposits | 73.2379% | 4,025 |
| Total domestic deposits to total assets | 96.5567% | 11 |
| Equity capital to assets | 1.0733% | 6,584 |
| Core capital (leverage) ratio | 1.5217% | 6,583 |
| Tier 1 risk-based capital ratio | 1.7923% | 6,586 |
| Total risk-based capital ratio | 3.0550% | 6,586 |
| Memoranda: | ||
| Average total assets | $281,121,250 | 2,283 |
| Average earning assets | $233,935,000 | 2,498 |
| Average equity | $3,889,000 | 6,177 |
| Average total loans | $201,113,750 | 2,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,446 |
| Cost of funding earning assets | 1.2208% | 83 |
| Net interest margin | 3.1148% | 5,215 |
| Noninterest income to average assets | 0.4479% | 3,889 |
| Noninterest expense to average assets | 3.7461% | 1,059 |
| Loan and lease loss provision to assets | 1.6413% | 53 |
| Net operating income to assets | -2.3319% | 6,606 |
| Return on assets (ROA) | -2.3326% | 6,609 |
| Pretax return on assets | -2.3326% | 6,603 |
| Return on Equity (ROE) | -157.2639% | 6,651 |
| Retained earnings to average equity (ytd only) | -157.2639% | 6,651 |
| Net charge-offs to loans | 3.2264% | 46 |
| Credit loss provision to net charge-offs | 70.6436% | 2,466 |
| Earnings coverage of net charge-offs (x) | -0.2972% | 4,162 |
| Efficiency ratio | 122.5993% | 130 |
| Assets per employee ($millions) | 3.4183% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6860% | 545 |
| Loan loss allowance to noncurrent loans | 27.4295% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 16.4918% | 25 |
| Noncurrent loans to loans | 9.7923% | 82 |
| Net loans and leases to total assets | 68.0407% | 2,409 |
| Net loans and leases to deposits | 70.3609% | 3,774 |
| Net loans and leases to core deposits | 74.2533% | 3,814 |
| Total domestic deposits to total assets | 96.7024% | 10 |
| Equity capital to assets | 0.9697% | 6,655 |
| Core capital (leverage) ratio | 1.4789% | 6,653 |
| Tier 1 risk-based capital ratio | 1.7410% | 6,655 |
| Total risk-based capital ratio | 3.0029% | 6,655 |
| Memoranda: | ||
| Average total assets | $283,548,670 | 2,265 |
| Average earning assets | $237,381,670 | 2,472 |
| Average equity | $4,205,670 | 6,155 |
| Average total loans | $204,193,330 | 2,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 1,844 |
| Cost of funding earning assets | 1.2371% | 83 |
| Net interest margin | 3.2526% | 4,734 |
| Noninterest income to average assets | 0.6186% | 2,625 |
| Noninterest expense to average assets | 3.7114% | 1,117 |
| Loan and lease loss provision to assets | 0.2104% | 1,089 |
| Net operating income to assets | -0.5484% | 6,490 |
| Return on assets (ROA) | -0.5498% | 6,487 |
| Pretax return on assets | -0.5498% | 6,472 |
| Return on Equity (ROE) | -31.6800% | 6,666 |
| Retained earnings to average equity (ytd only) | -31.6800% | 6,623 |
| Net charge-offs to loans | 1.1675% | 285 |
| Credit loss provision to net charge-offs | 24.6711% | 2,450 |
| Earnings coverage of net charge-offs (x) | -0.3964% | 3,467 |
| Efficiency ratio | 110.0208% | 268 |
| Assets per employee ($millions) | 3.4584% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7871% | 553 |
| Loan loss allowance to noncurrent loans | 20.5503% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 17.4366% | 29 |
| Noncurrent loans to loans | 13.5625% | 49 |
| Net loans and leases to total assets | 71.0034% | 1,722 |
| Net loans and leases to deposits | 73.9546% | 3,064 |
| Net loans and leases to core deposits | 78.0950% | 3,194 |
| Total domestic deposits to total assets | 96.0094% | 20 |
| Equity capital to assets | 1.7677% | 6,718 |
| Core capital (leverage) ratio | 2.4186% | 6,709 |
| Tier 1 risk-based capital ratio | 2.8263% | 6,719 |
| Total risk-based capital ratio | 4.0898% | 6,719 |
| Memoranda: | ||
| Average total assets | $285,174,500 | 2,264 |
| Average earning assets | $241,532,500 | 2,426 |
| Average equity | $4,949,500 | 6,008 |
| Average total loans | $208,300,000 | 1,985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 2,072 |
| Cost of funding earning assets | 1.2845% | 118 |
| Net interest margin | 3.2516% | 4,831 |
| Noninterest income to average assets | 0.5601% | 3,331 |
| Noninterest expense to average assets | 4.0336% | 843 |
| Loan and lease loss provision to assets | 1.2257% | 128 |
| Net operating income to assets | -1.9223% | 6,707 |
| Return on assets (ROA) | -1.7889% | 6,698 |
| Pretax return on assets | -1.7889% | 6,694 |
| Return on Equity (ROE) | -59.7997% | 6,783 |
| Retained earnings to average equity (ytd only) | -59.7997% | 6,781 |
| Net charge-offs to loans | 1.2888% | 397 |
| Credit loss provision to net charge-offs | 130.4821% | 1,798 |
| Earnings coverage of net charge-offs (x) | -0.7416% | 5,237 |
| Efficiency ratio | 120.8754% | 171 |
| Assets per employee ($millions) | 3.3737% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9747% | 487 |
| Loan loss allowance to noncurrent loans | 20.6345% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 17.6666% | 26 |
| Noncurrent loans to loans | 14.4159% | 44 |
| Net loans and leases to total assets | 70.8740% | 1,861 |
| Net loans and leases to deposits | 73.7362% | 3,299 |
| Net loans and leases to core deposits | 78.5049% | 3,298 |
| Total domestic deposits to total assets | 96.1184% | 27 |
| Equity capital to assets | 1.7039% | 6,794 |
| Core capital (leverage) ratio | 2.5391% | 6,782 |
| Tier 1 risk-based capital ratio | 2.9761% | 6,796 |
| Total risk-based capital ratio | 4.2417% | 6,796 |
| Memoranda: | ||
| Average total assets | $293,706,200 | 2,185 |
| Average earning assets | $250,832,800 | 2,314 |
| Average equity | $8,786,000 | 5,146 |
| Average total loans | $214,071,600 | 1,901 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 2,130 |
| Cost of funding earning assets | 1.2893% | 128 |
| Net interest margin | 3.2378% | 4,866 |
| Noninterest income to average assets | 0.6864% | 2,686 |
| Noninterest expense to average assets | 4.0305% | 827 |
| Loan and lease loss provision to assets | 1.2410% | 112 |
| Net operating income to assets | -1.8142% | 6,790 |
| Return on assets (ROA) | -1.6373% | 6,774 |
| Pretax return on assets | -1.6373% | 6,767 |
| Return on Equity (ROE) | -49.5565% | 6,861 |
| Retained earnings to average equity (ytd only) | -49.5565% | 6,858 |
| Net charge-offs to loans | 1.5091% | 310 |
| Credit loss provision to net charge-offs | 112.8900% | 2,081 |
| Earnings coverage of net charge-offs (x) | -0.5213% | 4,954 |
| Efficiency ratio | 116.5775% | 202 |
| Assets per employee ($millions) | 3.4675% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7042% | 740 |
| Loan loss allowance to noncurrent loans | 16.5689% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 18.8079% | 24 |
| Noncurrent loans to loans | 16.3210% | 38 |
| Net loans and leases to total assets | 70.4603% | 1,878 |
| Net loans and leases to deposits | 73.8110% | 3,259 |
| Net loans and leases to core deposits | 78.7487% | 3,262 |
| Total domestic deposits to total assets | 95.4605% | 32 |
| Equity capital to assets | 2.3085% | 6,870 |
| Core capital (leverage) ratio | 3.0730% | 6,856 |
| Tier 1 risk-based capital ratio | 3.6101% | 6,871 |
| Total risk-based capital ratio | 4.8730% | 6,871 |
| Memoranda: | ||
| Average total assets | $295,442,500 | 2,185 |
| Average earning assets | $252,842,750 | 2,312 |
| Average equity | $9,761,000 | 4,956 |
| Average total loans | $215,222,000 | 1,898 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,909 |
| Cost of funding earning assets | 1.2877% | 151 |
| Net interest margin | 3.2925% | 4,614 |
| Noninterest income to average assets | 0.6947% | 2,671 |
| Noninterest expense to average assets | 4.2643% | 647 |
| Loan and lease loss provision to assets | 1.5160% | 82 |
| Net operating income to assets | -2.2551% | 6,865 |
| Return on assets (ROA) | -1.9486% | 6,848 |
| Pretax return on assets | -1.9486% | 6,839 |
| Return on Equity (ROE) | -53.6881% | 6,910 |
| Retained earnings to average equity (ytd only) | -53.6881% | 6,906 |
| Net charge-offs to loans | 2.1001% | 208 |
| Credit loss provision to net charge-offs | 98.9011% | 2,268 |
| Earnings coverage of net charge-offs (x) | -0.4822% | 4,659 |
| Efficiency ratio | 120.9671% | 175 |
| Assets per employee ($millions) | 3.5494% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5092% | 977 |
| Loan loss allowance to noncurrent loans | 15.8423% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 18.4229% | 27 |
| Noncurrent loans to loans | 15.8389% | 40 |
| Net loans and leases to total assets | 71.6177% | 1,635 |
| Net loans and leases to deposits | 75.4704% | 2,952 |
| Net loans and leases to core deposits | 80.6472% | 2,958 |
| Total domestic deposits to total assets | 94.8951% | 42 |
| Equity capital to assets | 2.8225% | 6,905 |
| Core capital (leverage) ratio | 3.2633% | 6,894 |
| Tier 1 risk-based capital ratio | 3.8488% | 6,914 |
| Total risk-based capital ratio | 5.1095% | 6,914 |
| Memoranda: | ||
| Average total assets | $296,834,670 | 2,184 |
| Average earning assets | $255,182,670 | 2,305 |
| Average equity | $10,773,330 | 4,773 |
| Average total loans | $216,652,330 | 1,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 1,591 |
| Cost of funding earning assets | 1.2845% | 171 |
| Net interest margin | 3.3958% | 4,134 |
| Noninterest income to average assets | 0.6646% | 2,792 |
| Noninterest expense to average assets | 4.5975% | 494 |
| Loan and lease loss provision to assets | 0.1335% | 2,569 |
| Net operating income to assets | -1.1344% | 6,840 |
| Return on assets (ROA) | -1.0396% | 6,828 |
| Pretax return on assets | -1.0396% | 6,810 |
| Return on Equity (ROE) | -25.8536% | 6,921 |
| Retained earnings to average equity (ytd only) | -25.8536% | 6,879 |
| Net charge-offs to loans | 0.8217% | 731 |
| Credit loss provision to net charge-offs | 22.3214% | 3,004 |
| Earnings coverage of net charge-offs (x) | -1.6741% | 4,004 |
| Efficiency ratio | 127.8293% | 165 |
| Assets per employee ($millions) | 3.6465% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3076% | 1,400 |
| Loan loss allowance to noncurrent loans | 17.8909% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 15.9031% | 65 |
| Noncurrent loans to loans | 12.8981% | 115 |
| Net loans and leases to total assets | 71.3873% | 1,455 |
| Net loans and leases to deposits | 76.5531% | 2,541 |
| Net loans and leases to core deposits | 82.0265% | 2,567 |
| Total domestic deposits to total assets | 93.2521% | 108 |
| Equity capital to assets | 3.8711% | 6,943 |
| Core capital (leverage) ratio | 3.8952% | 6,939 |
| Tier 1 risk-based capital ratio | 4.5919% | 6,966 |
| Total risk-based capital ratio | 5.8508% | 6,967 |
| Memoranda: | ||
| Average total assets | $299,726,500 | 2,190 |
| Average earning assets | $258,787,500 | 2,297 |
| Average equity | $12,052,500 | 4,562 |
| Average total loans | $218,074,000 | 1,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 1,279 |
| Cost of funding earning assets | 1.6076% | 104 |
| Net interest margin | 3.5056% | 4,482 |
| Noninterest income to average assets | 0.4488% | 4,254 |
| Noninterest expense to average assets | 3.5141% | 1,782 |
| Loan and lease loss provision to assets | 0.5797% | 960 |
| Net operating income to assets | -0.5733% | 6,607 |
| Return on assets (ROA) | -0.4885% | 6,602 |
| Pretax return on assets | -0.4885% | 6,566 |
| Return on Equity (ROE) | -11.4714% | 6,756 |
| Retained earnings to average equity (ytd only) | -11.4714% | 6,684 |
| Net charge-offs to loans | 0.6783% | 1,739 |
| Credit loss provision to net charge-offs | 115.8036% | 2,496 |
| Earnings coverage of net charge-offs (x) | 0.0128% | 5,476 |
| Efficiency ratio | 99.8183% | 567 |
| Assets per employee ($millions) | 3.6198% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,154 |
| Loan loss allowance to noncurrent loans | 17.6052% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 16.6764% | 60 |
| Noncurrent loans to loans | 14.0666% | 98 |
| Net loans and leases to total assets | 70.6492% | 1,715 |
| Net loans and leases to deposits | 75.4348% | 2,890 |
| Net loans and leases to core deposits | 80.9612% | 2,887 |
| Total domestic deposits to total assets | 93.6560% | 85 |
| Equity capital to assets | 4.1705% | 6,994 |
| Core capital (leverage) ratio | 4.2713% | 6,972 |
| Tier 1 risk-based capital ratio | 4.8376% | 7,023 |
| Total risk-based capital ratio | 6.0976% | 7,026 |
| Memoranda: | ||
| Average total assets | $297,032,200 | 2,157 |
| Average earning assets | $260,270,200 | 2,236 |
| Average equity | $12,648,800 | 4,432 |
| Average total loans | $219,238,200 | 1,846 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 1,086 |
| Cost of funding earning assets | 1.6685% | 97 |
| Net interest margin | 3.5884% | 4,283 |
| Noninterest income to average assets | 0.6010% | 3,265 |
| Noninterest expense to average assets | 3.5361% | 1,683 |
| Loan and lease loss provision to assets | 0.6595% | 793 |
| Net operating income to assets | -0.4461% | 6,672 |
| Return on assets (ROA) | -0.3327% | 6,652 |
| Pretax return on assets | -0.3327% | 6,619 |
| Return on Equity (ROE) | -7.7715% | 6,805 |
| Retained earnings to average equity (ytd only) | -7.7715% | 6,740 |
| Net charge-offs to loans | 0.6198% | 1,779 |
| Credit loss provision to net charge-offs | 143.4868% | 1,999 |
| Earnings coverage of net charge-offs (x) | 0.4642% | 5,085 |
| Efficiency ratio | 94.3090% | 755 |
| Assets per employee ($millions) | 3.4656% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5717% | 1,114 |
| Loan loss allowance to noncurrent loans | 18.8316% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 16.3155% | 72 |
| Noncurrent loans to loans | 13.6561% | 117 |
| Net loans and leases to total assets | 72.0099% | 1,556 |
| Net loans and leases to deposits | 77.1955% | 2,773 |
| Net loans and leases to core deposits | 83.1687% | 2,801 |
| Total domestic deposits to total assets | 93.2825% | 93 |
| Equity capital to assets | 4.5239% | 7,076 |
| Core capital (leverage) ratio | 4.4824% | 7,059 |
| Tier 1 risk-based capital ratio | 5.1757% | 7,112 |
| Total risk-based capital ratio | 6.4343% | 7,112 |
| Memoranda: | ||
| Average total assets | $296,179,750 | 2,183 |
| Average earning assets | $259,865,250 | 2,253 |
| Average equity | $12,678,500 | 4,467 |
| Average total loans | $219,635,250 | 1,854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 861 |
| Cost of funding earning assets | 1.7195% | 95 |
| Net interest margin | 3.6869% | 3,884 |
| Noninterest income to average assets | 0.6262% | 3,092 |
| Noninterest expense to average assets | 3.7544% | 1,289 |
| Loan and lease loss provision to assets | 0.8459% | 578 |
| Net operating income to assets | -0.7367% | 6,833 |
| Return on assets (ROA) | -0.6498% | 6,832 |
| Pretax return on assets | -0.6498% | 6,799 |
| Return on Equity (ROE) | -15.4702% | 6,981 |
| Retained earnings to average equity (ytd only) | -15.4702% | 6,945 |
| Net charge-offs to loans | 0.9733% | 1,140 |
| Credit loss provision to net charge-offs | 117.0709% | 2,348 |
| Earnings coverage of net charge-offs (x) | 0.1511% | 4,998 |
| Efficiency ratio | 97.1738% | 647 |
| Assets per employee ($millions) | 3.7044% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 1,364 |
| Loan loss allowance to noncurrent loans | 23.4802% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 13.5916% | 130 |
| Noncurrent loans to loans | 10.3898% | 240 |
| Net loans and leases to total assets | 72.0336% | 1,546 |
| Net loans and leases to deposits | 77.1505% | 2,812 |
| Net loans and leases to core deposits | 84.5706% | 2,616 |
| Total domestic deposits to total assets | 93.3677% | 102 |
| Equity capital to assets | 4.4427% | 7,120 |
| Core capital (leverage) ratio | 4.2908% | 7,108 |
| Tier 1 risk-based capital ratio | 5.0843% | 7,161 |
| Total risk-based capital ratio | 6.3447% | 7,161 |
| Memoranda: | ||
| Average total assets | $296,715,670 | 2,175 |
| Average earning assets | $260,543,330 | 2,253 |
| Average equity | $12,462,670 | 4,512 |
| Average total loans | $220,273,670 | 1,850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 800 |
| Cost of funding earning assets | 1.7759% | 93 |
| Net interest margin | 3.6914% | 3,871 |
| Noninterest income to average assets | 0.6548% | 2,904 |
| Noninterest expense to average assets | 3.6578% | 1,453 |
| Loan and lease loss provision to assets | 1.0037% | 410 |
| Net operating income to assets | -0.7666% | 6,943 |
| Return on assets (ROA) | -0.9646% | 7,006 |
| Pretax return on assets | -0.9646% | 6,971 |
| Return on Equity (ROE) | -23.6479% | 7,134 |
| Retained earnings to average equity (ytd only) | -23.6479% | 7,083 |
| Net charge-offs to loans | 1.4262% | 704 |
| Credit loss provision to net charge-offs | 94.5431% | 2,464 |
| Earnings coverage of net charge-offs (x) | 0.2234% | 4,255 |
| Efficiency ratio | 93.9121% | 827 |
| Assets per employee ($millions) | 3.7268% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 1,667 |
| Loan loss allowance to noncurrent loans | 22.2503% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 13.4900% | 150 |
| Noncurrent loans to loans | 10.3567% | 281 |
| Net loans and leases to total assets | 72.6907% | 1,277 |
| Net loans and leases to deposits | 77.9626% | 2,515 |
| Net loans and leases to core deposits | 85.3702% | 2,363 |
| Total domestic deposits to total assets | 93.2379% | 127 |
| Equity capital to assets | 4.0745% | 7,180 |
| Core capital (leverage) ratio | 3.9512% | 7,182 |
| Tier 1 risk-based capital ratio | 4.5799% | 7,231 |
| Total risk-based capital ratio | 5.8390% | 7,231 |
| Memoranda: | ||
| Average total assets | $296,897,500 | 2,183 |
| Average earning assets | $260,606,500 | 2,273 |
| Average equity | $12,111,000 | 4,589 |
| Average total loans | $221,005,000 | 1,850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 1,225 |
| Cost of funding earning assets | 2.0800% | 70 |
| Net interest margin | 3.3950% | 5,494 |
| Noninterest income to average assets | 0.6469% | 2,911 |
| Noninterest expense to average assets | 3.3606% | 2,337 |
| Loan and lease loss provision to assets | 0.9180% | 1,041 |
| Net operating income to assets | -0.6024% | 6,555 |
| Return on assets (ROA) | -0.4673% | 6,515 |
| Pretax return on assets | -0.4673% | 6,473 |
| Return on Equity (ROE) | -10.7679% | 6,757 |
| Retained earnings to average equity (ytd only) | -10.7679% | 6,722 |
| Net charge-offs to loans | 1.2327% | 1,356 |
| Credit loss provision to net charge-offs | 97.5488% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.3353% | 5,569 |
| Efficiency ratio | 91.4158% | 1,083 |
| Assets per employee ($millions) | 3.6500% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 1,557 |
| Loan loss allowance to noncurrent loans | 20.0459% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 14.8379% | 127 |
| Noncurrent loans to loans | 11.6799% | 234 |
| Net loans and leases to total assets | 72.7277% | 1,508 |
| Net loans and leases to deposits | 77.6390% | 2,893 |
| Net loans and leases to core deposits | 85.3321% | 2,715 |
| Total domestic deposits to total assets | 93.6742% | 106 |
| Equity capital to assets | 4.0839% | 7,222 |
| Core capital (leverage) ratio | 4.0164% | 7,209 |
| Tier 1 risk-based capital ratio | 4.6646% | 7,256 |
| Total risk-based capital ratio | 5.9240% | 7,258 |
| Memoranda: | ||
| Average total assets | $299,140,400 | 2,141 |
| Average earning assets | $266,920,000 | 2,190 |
| Average equity | $12,983,000 | 4,341 |
| Average total loans | $228,366,800 | 1,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 1,270 |
| Cost of funding earning assets | 2.1116% | 75 |
| Net interest margin | 3.3795% | 5,634 |
| Noninterest income to average assets | 0.5937% | 3,211 |
| Noninterest expense to average assets | 3.0900% | 3,196 |
| Loan and lease loss provision to assets | 1.1088% | 738 |
| Net operating income to assets | -0.5751% | 6,681 |
| Return on assets (ROA) | -0.4635% | 6,663 |
| Pretax return on assets | -0.4635% | 6,598 |
| Return on Equity (ROE) | -10.5269% | 6,907 |
| Retained earnings to average equity (ytd only) | -10.5269% | 6,873 |
| Net charge-offs to loans | 1.5676% | 906 |
| Credit loss provision to net charge-offs | 92.1004% | 3,706 |
| Earnings coverage of net charge-offs (x) | 0.4433% | 5,293 |
| Efficiency ratio | 85.2710% | 1,604 |
| Assets per employee ($millions) | 3.7198% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,756 |
| Loan loss allowance to noncurrent loans | 23.5787% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 13.1406% | 188 |
| Noncurrent loans to loans | 9.5762% | 379 |
| Net loans and leases to total assets | 72.8784% | 1,537 |
| Net loans and leases to deposits | 77.9695% | 3,003 |
| Net loans and leases to core deposits | 86.0262% | 2,767 |
| Total domestic deposits to total assets | 93.4704% | 108 |
| Equity capital to assets | 4.2778% | 7,299 |
| Core capital (leverage) ratio | 4.0652% | 7,298 |
| Tier 1 risk-based capital ratio | 4.7972% | 7,332 |
| Total risk-based capital ratio | 6.0559% | 7,334 |
| Memoranda: | ||
| Average total assets | $300,013,500 | 2,143 |
| Average earning assets | $268,984,250 | 2,182 |
| Average equity | $13,210,250 | 4,303 |
| Average total loans | $230,415,250 | 1,821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 1,382 |
| Cost of funding earning assets | 2.1248% | 94 |
| Net interest margin | 3.3378% | 5,750 |
| Noninterest income to average assets | 0.5465% | 3,497 |
| Noninterest expense to average assets | 3.1081% | 3,221 |
| Loan and lease loss provision to assets | 0.2360% | 3,550 |
| Net operating income to assets | 0.2174% | 5,676 |
| Return on assets (ROA) | 0.2174% | 5,792 |
| Pretax return on assets | 0.2174% | 5,893 |
| Return on Equity (ROE) | 4.8914% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.8914% | 3,067 |
| Net charge-offs to loans | 0.2744% | 3,514 |
| Credit loss provision to net charge-offs | 110.9375% | 2,764 |
| Earnings coverage of net charge-offs (x) | 2.1313% | 3,778 |
| Efficiency ratio | 87.2690% | 1,483 |
| Assets per employee ($millions) | 3.8311% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2823% | 1,775 |
| Loan loss allowance to noncurrent loans | 19.1508% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 13.2453% | 202 |
| Noncurrent loans to loans | 11.9175% | 258 |
| Net loans and leases to total assets | 74.3963% | 1,342 |
| Net loans and leases to deposits | 79.8821% | 2,820 |
| Net loans and leases to core deposits | 87.2149% | 2,736 |
| Total domestic deposits to total assets | 93.1325% | 125 |
| Equity capital to assets | 4.6495% | 7,344 |
| Core capital (leverage) ratio | 4.5154% | 7,335 |
| Tier 1 risk-based capital ratio | 5.3259% | 7,390 |
| Total risk-based capital ratio | 6.5858% | 7,391 |
| Memoranda: | ||
| Average total assets | $300,824,000 | 2,144 |
| Average earning assets | $271,739,000 | 2,163 |
| Average equity | $13,370,330 | 4,266 |
| Average total loans | $233,259,330 | 1,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 1,569 |
| Cost of funding earning assets | 2.1506% | 100 |
| Net interest margin | 3.2464% | 5,930 |
| Noninterest income to average assets | 0.5815% | 3,297 |
| Noninterest expense to average assets | 3.0863% | 3,308 |
| Loan and lease loss provision to assets | 0.2734% | 2,968 |
| Net operating income to assets | 0.1694% | 5,889 |
| Return on assets (ROA) | 0.1694% | 5,937 |
| Pretax return on assets | 0.1694% | 6,006 |
| Return on Equity (ROE) | 3.9018% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.9018% | 3,831 |
| Net charge-offs to loans | 0.2335% | 3,143 |
| Credit loss provision to net charge-offs | 149.6350% | 1,916 |
| Earnings coverage of net charge-offs (x) | 2.4234% | 3,106 |
| Efficiency ratio | 87.4528% | 1,575 |
| Assets per employee ($millions) | 3.9576% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2634% | 1,834 |
| Loan loss allowance to noncurrent loans | 17.5064% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 13.0266% | 211 |
| Noncurrent loans to loans | 12.9291% | 234 |
| Net loans and leases to total assets | 74.9868% | 1,181 |
| Net loans and leases to deposits | 80.2062% | 2,682 |
| Net loans and leases to core deposits | 87.5697% | 2,657 |
| Total domestic deposits to total assets | 93.4925% | 99 |
| Equity capital to assets | 4.3145% | 7,418 |
| Core capital (leverage) ratio | 4.4756% | 7,399 |
| Tier 1 risk-based capital ratio | 5.2298% | 7,449 |
| Total risk-based capital ratio | 6.4898% | 7,447 |
| Memoranda: | ||
| Average total assets | $299,906,500 | 2,161 |
| Average earning assets | $272,299,500 | 2,183 |
| Average equity | $13,019,500 | 4,337 |
| Average total loans | $234,676,000 | 1,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 2,043 |
| Cost of funding earning assets | 2.6235% | 70 |
| Net interest margin | 2.9385% | 6,839 |
| Noninterest income to average assets | 0.6182% | 3,354 |
| Noninterest expense to average assets | 3.1945% | 3,114 |
| Loan and lease loss provision to assets | 0.1523% | 5,677 |
| Net operating income to assets | -0.0629% | 5,944 |
| Return on assets (ROA) | 0.0807% | 5,772 |
| Pretax return on assets | 0.0807% | 5,741 |
| Return on Equity (ROE) | 1.8571% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.6706% | 4,681 |
| Net charge-offs to loans | 0.7900% | 2,670 |
| Credit loss provision to net charge-offs | 24.8021% | 6,527 |
| Earnings coverage of net charge-offs (x) | 0.1456% | 5,971 |
| Efficiency ratio | 97.2770% | 899 |
| Assets per employee ($millions) | 3.7830% | 4,297 |
| Cash dividends to net income (ytd only)* | 10.0402% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 1,840 |
| Loan loss allowance to noncurrent loans | 17.3164% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 13.2458% | 219 |
| Noncurrent loans to loans | 12.8077% | 241 |
| Net loans and leases to total assets | 78.0557% | 936 |
| Net loans and leases to deposits | 83.6522% | 2,505 |
| Net loans and leases to core deposits | 93.1347% | 2,367 |
| Total domestic deposits to total assets | 93.3098% | 121 |
| Equity capital to assets | 4.3687% | 7,488 |
| Core capital (leverage) ratio | 4.3090% | 7,475 |
| Tier 1 risk-based capital ratio | 5.1247% | 7,519 |
| Total risk-based capital ratio | 6.3843% | 7,522 |
| Memoranda: | ||
| Average total assets | $308,653,400 | 2,098 |
| Average earning assets | $280,008,000 | 2,106 |
| Average equity | $13,408,200 | 4,281 |
| Average total loans | $239,883,600 | 1,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 2,173 |
| Cost of funding earning assets | 2.6966% | 68 |
| Net interest margin | 2.8738% | 7,047 |
| Noninterest income to average assets | 0.5909% | 3,500 |
| Noninterest expense to average assets | 3.1174% | 3,252 |
| Loan and lease loss provision to assets | 0.1795% | 5,250 |
| Net operating income to assets | -0.1004% | 6,182 |
| Return on assets (ROA) | 0.0790% | 5,962 |
| Pretax return on assets | 0.0790% | 5,952 |
| Return on Equity (ROE) | 1.8220% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.5758% | 5,164 |
| Net charge-offs to loans | 0.1483% | 5,122 |
| Credit loss provision to net charge-offs | 156.7164% | 2,444 |
| Earnings coverage of net charge-offs (x) | 0.6903% | 5,359 |
| Efficiency ratio | 97.5271% | 838 |
| Assets per employee ($millions) | 4.0073% | 3,818 |
| Cash dividends to net income (ytd only)* | 13.5125% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8458% | 966 |
| Loan loss allowance to noncurrent loans | 21.9111% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 12.8103% | 232 |
| Noncurrent loans to loans | 12.9878% | 229 |
| Net loans and leases to total assets | 76.2381% | 1,358 |
| Net loans and leases to deposits | 83.2732% | 2,849 |
| Net loans and leases to core deposits | 94.0172% | 2,525 |
| Total domestic deposits to total assets | 91.5518% | 294 |
| Equity capital to assets | 4.4081% | 7,619 |
| Core capital (leverage) ratio | 4.2045% | 7,609 |
| Tier 1 risk-based capital ratio | 5.0523% | 7,636 |
| Total risk-based capital ratio | 6.3191% | 7,637 |
| Memoranda: | ||
| Average total assets | $312,048,250 | 2,112 |
| Average earning assets | $282,918,250 | 2,125 |
| Average equity | $13,537,500 | 4,318 |
| Average total loans | $240,968,000 | 1,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 2,330 |
| Cost of funding earning assets | 2.7714% | 69 |
| Net interest margin | 2.7785% | 7,173 |
| Noninterest income to average assets | 0.5341% | 3,842 |
| Noninterest expense to average assets | 3.1264% | 3,202 |
| Loan and lease loss provision to assets | 0.1399% | 5,497 |
| Net operating income to assets | -0.2181% | 6,376 |
| Return on assets (ROA) | -0.1628% | 6,369 |
| Pretax return on assets | -0.1628% | 6,302 |
| Return on Equity (ROE) | -3.7716% | 6,602 |
| Retained earnings to average equity (ytd only) | -4.1400% | 6,458 |
| Net charge-offs to loans | 0.0447% | 5,759 |
| Credit loss provision to net charge-offs | 407.4074% | 892 |
| Earnings coverage of net charge-offs (x) | -2.2778% | 6,224 |
| Efficiency ratio | 102.5657% | 722 |
| Assets per employee ($millions) | 4.1176% | 3,547 |
| Cash dividends to net income (ytd only)* | -9.7656% | 7,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8078% | 993 |
| Loan loss allowance to noncurrent loans | 23.1519% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 11.4546% | 295 |
| Noncurrent loans to loans | 12.1278% | 280 |
| Net loans and leases to total assets | 75.3816% | 1,612 |
| Net loans and leases to deposits | 83.1770% | 3,038 |
| Net loans and leases to core deposits | 95.2950% | 2,538 |
| Total domestic deposits to total assets | 90.6279% | 632 |
| Equity capital to assets | 4.2695% | 7,675 |
| Core capital (leverage) ratio | 4.0683% | 7,676 |
| Tier 1 risk-based capital ratio | 4.8301% | 7,710 |
| Total risk-based capital ratio | 6.0966% | 7,712 |
| Memoranda: | ||
| Average total assets | $314,547,330 | 2,116 |
| Average earning assets | $284,617,670 | 2,120 |
| Average equity | $13,575,000 | 4,298 |
| Average total loans | $241,629,000 | 1,860 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0146% | 950 |
| Cost of funding earning assets | 2.9271% | 53 |
| Net interest margin | 3.0875% | 6,626 |
| Noninterest income to average assets | 0.4173% | 4,754 |
| Noninterest expense to average assets | 2.8400% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3602% | 5,017 |
| Return on assets (ROA) | 0.2359% | 5,670 |
| Pretax return on assets | 0.2359% | 5,776 |
| Return on Equity (ROE) | 5.4378% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.7069% | 3,322 |
| Net charge-offs to loans | 0.0465% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 1,775 |
| Efficiency ratio | 88.7436% | 1,524 |
| Assets per employee ($millions) | 4.2951% | 3,298 |
| Cash dividends to net income (ytd only)* | 13.4409% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7429% | 1,044 |
| Loan loss allowance to noncurrent loans | 30.2315% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 9.1381% | 485 |
| Noncurrent loans to loans | 9.0728% | 527 |
| Net loans and leases to total assets | 74.8765% | 1,768 |
| Net loans and leases to deposits | 83.2719% | 3,069 |
| Net loans and leases to core deposits | 97.5615% | 2,391 |
| Total domestic deposits to total assets | 89.9181% | 1,032 |
| Equity capital to assets | 4.4150% | 7,765 |
| Core capital (leverage) ratio | 4.0708% | 7,777 |
| Tier 1 risk-based capital ratio | 4.8972% | 7,806 |
| Total risk-based capital ratio | 6.1618% | 7,806 |
| Memoranda: | ||
| Average total assets | $315,350,500 | 2,157 |
| Average earning assets | $284,241,000 | 2,180 |
| Average equity | $13,682,000 | 4,315 |
| Average total loans | $241,086,000 | 1,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8328% | 2,516 |
| Cost of funding earning assets | 3.6278% | 31 |
| Net interest margin | 2.2050% | 7,643 |
| Noninterest income to average assets | 0.4081% | 5,137 |
| Noninterest expense to average assets | 3.3544% | 2,821 |
| Loan and lease loss provision to assets | 3.0358% | 567 |
| Net operating income to assets | -3.4677% | 7,501 |
| Return on assets (ROA) | -3.2110% | 7,447 |
| Pretax return on assets | -3.6863% | 7,462 |
| Return on Equity (ROE) | -50.8285% | 7,690 |
| Retained earnings to average equity (ytd only) | -52.0891% | 7,694 |
| Net charge-offs to loans | 3.0621% | 680 |
| Credit loss provision to net charge-offs | 131.4664% | 3,847 |
| Earnings coverage of net charge-offs (x) | -0.4094% | 6,636 |
| Efficiency ratio | 139.2489% | 390 |
| Assets per employee ($millions) | 3.6041% | 4,772 |
| Cash dividends to net income (ytd only)* | -2.4802% | 7,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7614% | 964 |
| Loan loss allowance to noncurrent loans | 29.5340% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 9.0948% | 440 |
| Noncurrent loans to loans | 9.3500% | 463 |
| Net loans and leases to total assets | 73.8219% | 2,312 |
| Net loans and leases to deposits | 83.5711% | 3,352 |
| Net loans and leases to core deposits | 107.7445% | 3,128 |
| Total domestic deposits to total assets | 88.3342% | 1,800 |
| Equity capital to assets | 4.2632% | 7,838 |
| Core capital (leverage) ratio | 4.0525% | 7,843 |
| Tier 1 risk-based capital ratio | 4.8367% | 7,882 |
| Total risk-based capital ratio | 6.1021% | 7,885 |
| Memoranda: | ||
| Average total assets | $313,917,600 | 2,141 |
| Average earning assets | $284,854,200 | 2,161 |
| Average equity | $19,831,400 | 3,226 |
| Average total loans | $236,734,600 | 1,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 1,866 |
| Cost of funding earning assets | 3.7292% | 25 |
| Net interest margin | 2.3138% | 7,634 |
| Noninterest income to average assets | 0.6119% | 3,603 |
| Noninterest expense to average assets | 2.9173% | 4,375 |
| Loan and lease loss provision to assets | 1.0561% | 1,829 |
| Net operating income to assets | -0.7907% | 6,684 |
| Return on assets (ROA) | -0.5778% | 6,503 |
| Pretax return on assets | -0.9266% | 6,626 |
| Return on Equity (ROE) | -8.4511% | 6,769 |
| Retained earnings to average equity (ytd only) | -10.0080% | 6,806 |
| Net charge-offs to loans | 1.4712% | 1,398 |
| Credit loss provision to net charge-offs | 95.3479% | 5,331 |
| Earnings coverage of net charge-offs (x) | -0.1834% | 6,272 |
| Efficiency ratio | 107.4835% | 819 |
| Assets per employee ($millions) | 3.6199% | 4,632 |
| Cash dividends to net income (ytd only)* | -18.4232% | 7,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 2,400 |
| Loan loss allowance to noncurrent loans | 40.2597% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 5.6523% | 993 |
| Noncurrent loans to loans | 4.3823% | 1,612 |
| Net loans and leases to total assets | 73.3984% | 2,689 |
| Net loans and leases to deposits | 83.8352% | 3,678 |
| Net loans and leases to core deposits | 106.2997% | 3,667 |
| Total domestic deposits to total assets | 87.5507% | 1,863 |
| Equity capital to assets | 6.5763% | 7,745 |
| Core capital (leverage) ratio | 6.5129% | 7,670 |
| Tier 1 risk-based capital ratio | 7.5865% | 7,847 |
| Total risk-based capital ratio | 8.8405% | 7,851 |
| Memoranda: | ||
| Average total assets | $313,107,500 | 2,156 |
| Average earning assets | $284,484,500 | 2,173 |
| Average equity | $21,409,000 | 3,039 |
| Average total loans | $235,723,000 | 2,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0649% | 1,926 |
| Cost of funding earning assets | 3.8282% | 35 |
| Net interest margin | 2.2367% | 7,726 |
| Noninterest income to average assets | 0.6314% | 3,460 |
| Noninterest expense to average assets | 2.9708% | 4,204 |
| Loan and lease loss provision to assets | 0.2773% | 4,361 |
| Net operating income to assets | -0.3624% | 6,408 |
| Return on assets (ROA) | -0.0400% | 5,974 |
| Pretax return on assets | -0.0806% | 5,974 |
| Return on Equity (ROE) | -0.5772% | 6,010 |
| Retained earnings to average equity (ytd only) | -2.9046% | 5,955 |
| Net charge-offs to loans | 0.7878% | 2,105 |
| Credit loss provision to net charge-offs | 46.6377% | 5,809 |
| Earnings coverage of net charge-offs (x) | -0.5163% | 6,083 |
| Efficiency ratio | 111.5254% | 808 |
| Assets per employee ($millions) | 3.5894% | 4,599 |
| Cash dividends to net income (ytd only)* | -403.2258% | 8,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 2,551 |
| Loan loss allowance to noncurrent loans | 50.7862% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 4.7409% | 1,166 |
| Noncurrent loans to loans | 3.2376% | 2,197 |
| Net loans and leases to total assets | 72.5779% | 3,068 |
| Net loans and leases to deposits | 80.7687% | 4,428 |
| Net loans and leases to core deposits | 102.5426% | 4,225 |
| Total domestic deposits to total assets | 89.8589% | 886 |
| Equity capital to assets | 6.5759% | 7,796 |
| Core capital (leverage) ratio | 6.8010% | 7,654 |
| Tier 1 risk-based capital ratio | 8.8263% | 7,780 |
| Total risk-based capital ratio | 10.0809% | 7,814 |
| Memoranda: | ||
| Average total assets | $310,086,000 | 2,201 |
| Average earning assets | $281,753,000 | 2,210 |
| Average equity | $21,483,000 | 3,039 |
| Average total loans | $234,058,670 | 2,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 2,433 |
| Cost of funding earning assets | 3.8781% | 45 |
| Net interest margin | 2.1047% | 7,846 |
| Noninterest income to average assets | 0.6785% | 3,016 |
| Noninterest expense to average assets | 2.8998% | 4,158 |
| Loan and lease loss provision to assets | 0.1965% | 4,473 |
| Net operating income to assets | -0.3231% | 6,706 |
| Return on assets (ROA) | 0.1781% | 5,897 |
| Pretax return on assets | 0.2790% | 5,735 |
| Return on Equity (ROE) | 2.5045% | 5,571 |
| Retained earnings to average equity (ytd only) | -2.0994% | 6,125 |
| Net charge-offs to loans | 0.2676% | 3,061 |
| Credit loss provision to net charge-offs | 96.1538% | 3,870 |
| Earnings coverage of net charge-offs (x) | -1.5064% | 5,428 |
| Efficiency ratio | 111.8747% | 770 |
| Assets per employee ($millions) | 3.4900% | 4,847 |
| Cash dividends to net income (ytd only)* | 183.8235% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,687 |
| Loan loss allowance to noncurrent loans | 51.7806% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 4.2416% | 1,176 |
| Noncurrent loans to loans | 3.6147% | 1,741 |
| Net loans and leases to total assets | 73.6235% | 2,861 |
| Net loans and leases to deposits | 81.5102% | 4,367 |
| Net loans and leases to core deposits | 103.8613% | 4,153 |
| Total domestic deposits to total assets | 90.3243% | 664 |
| Equity capital to assets | 6.9810% | 7,693 |
| Core capital (leverage) ratio | 7.0383% | 7,609 |
| Tier 1 risk-based capital ratio | 8.7879% | 7,884 |
| Total risk-based capital ratio | 10.0443% | 7,934 |
| Memoranda: | ||
| Average total assets | $305,402,000 | 2,234 |
| Average earning assets | $277,663,000 | 2,250 |
| Average equity | $21,721,000 | 3,012 |
| Average total loans | $233,223,500 | 2,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9248% | 1,331 |
| Cost of funding earning assets | 3.9195% | 131 |
| Net interest margin | 3.0054% | 6,901 |
| Noninterest income to average assets | 0.7259% | 2,939 |
| Noninterest expense to average assets | 2.9639% | 4,211 |
| Loan and lease loss provision to assets | 0.8618% | 1,735 |
| Net operating income to assets | -0.1832% | 6,599 |
| Return on assets (ROA) | -0.1748% | 6,438 |
| Pretax return on assets | -0.3159% | 6,479 |
| Return on Equity (ROE) | -2.2999% | 6,542 |
| Retained earnings to average equity (ytd only) | -5.9505% | 6,660 |
| Net charge-offs to loans | 0.6685% | 1,844 |
| Credit loss provision to net charge-offs | 169.5089% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.0477% | 5,607 |
| Efficiency ratio | 84.7649% | 1,984 |
| Assets per employee ($millions) | 3.2629% | 5,307 |
| Cash dividends to net income (ytd only)* | -158.7302% | 8,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 1,480 |
| Loan loss allowance to noncurrent loans | 41.5383% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 4.2433% | 935 |
| Noncurrent loans to loans | 4.5064% | 1,060 |
| Net loans and leases to total assets | 76.2953% | 2,543 |
| Net loans and leases to deposits | 84.7550% | 4,301 |
| Net loans and leases to core deposits | 106.2045% | 4,173 |
| Total domestic deposits to total assets | 90.0187% | 640 |
| Equity capital to assets | 7.2481% | 7,591 |
| Core capital (leverage) ratio | 7.3830% | 7,324 |
| Tier 1 risk-based capital ratio | 8.6364% | 7,958 |
| Total risk-based capital ratio | 9.8923% | 8,024 |
| Memoranda: | ||
| Average total assets | $288,338,400 | 2,267 |
| Average earning assets | $265,825,800 | 2,249 |
| Average equity | $21,914,200 | 2,986 |
| Average total loans | $219,291,400 | 2,132 |