Home > Chipola Community Bank > Performance and Condition Ratios
Chipola Community Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 5,642 |
| Cost of funding earning assets | 0.8475% | 1,265 |
| Net interest margin | 2.6795% | 6,251 |
| Noninterest income to average assets | -0.5840% | 6,991 |
| Noninterest expense to average assets | 4.1508% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.4926% | 6,943 |
| Return on assets (ROA) | -2.4926% | 6,944 |
| Pretax return on assets | -2.4926% | 6,936 |
| Return on Equity (ROE) | -234.3137% | 7,015 |
| Retained earnings to average equity (ytd only) | -234.3137% | 7,015 |
| Net charge-offs to loans | 2.2404% | 197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.4388% | 4,035 |
| Efficiency ratio | 250.3145% | 19 |
| Assets per employee ($millions) | 4.1634% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6451% | 375 |
| Loan loss allowance to noncurrent loans | 82.8532% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 8.2224% | 298 |
| Noncurrent loans to loans | 4.3995% | 966 |
| Net loans and leases to total assets | 42.6090% | 5,798 |
| Net loans and leases to deposits | 43.0734% | 6,268 |
| Net loans and leases to core deposits | 44.9430% | 6,266 |
| Total domestic deposits to total assets | 98.9218% | 4 |
| Equity capital to assets | 0.7633% | 7,016 |
| Core capital (leverage) ratio | 0.7823% | 7,016 |
| Tier 1 risk-based capital ratio | 1.5534% | 7,012 |
| Total risk-based capital ratio | 2.8291% | 7,012 |
| Memoranda: | ||
| Average total assets | $38,354,000 | 6,506 |
| Average earning assets | $32,095,500 | 6,579 |
| Average equity | $408,000 | 7,015 |
| Average total loans | $17,496,500 | 6,464 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 5,294 |
| Cost of funding earning assets | 1.0043% | 1,335 |
| Net interest margin | 2.9979% | 6,056 |
| Noninterest income to average assets | 0.0733% | 6,611 |
| Noninterest expense to average assets | 5.1331% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -2.5476% | 6,981 |
| Return on assets (ROA) | -1.5771% | 6,890 |
| Pretax return on assets | -1.5771% | 6,868 |
| Return on Equity (ROE) | -62.1762% | 7,042 |
| Retained earnings to average equity (ytd only) | -62.1762% | 7,041 |
| Net charge-offs to loans | 0.3032% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -16.2581% | 5,957 |
| Efficiency ratio | 198.5337% | 40 |
| Assets per employee ($millions) | 3.9237% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8105% | 328 |
| Loan loss allowance to noncurrent loans | 49.6113% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 8.8208% | 286 |
| Noncurrent loans to loans | 7.6806% | 388 |
| Net loans and leases to total assets | 45.1640% | 5,703 |
| Net loans and leases to deposits | 47.1003% | 6,168 |
| Net loans and leases to core deposits | 49.5207% | 6,174 |
| Total domestic deposits to total assets | 95.8891% | 29 |
| Equity capital to assets | 1.3508% | 7,074 |
| Core capital (leverage) ratio | 1.3762% | 7,073 |
| Tier 1 risk-based capital ratio | 2.5834% | 7,069 |
| Total risk-based capital ratio | 3.8585% | 7,069 |
| Memoranda: | ||
| Average total assets | $39,567,000 | 6,513 |
| Average earning assets | $33,156,000 | 6,579 |
| Average equity | $1,003,600 | 7,063 |
| Average total loans | $20,448,800 | 6,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 5,309 |
| Cost of funding earning assets | 1.0400% | 1,344 |
| Net interest margin | 3.0238% | 6,119 |
| Noninterest income to average assets | 0.2119% | 6,025 |
| Noninterest expense to average assets | 4.7179% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.9739% | 7,032 |
| Return on assets (ROA) | -0.7566% | 6,821 |
| Pretax return on assets | -0.7566% | 6,794 |
| Return on Equity (ROE) | -26.7371% | 7,047 |
| Retained earnings to average equity (ytd only) | -26.7371% | 7,037 |
| Net charge-offs to loans | 0.2036% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -18.3419% | 5,751 |
| Efficiency ratio | 171.9363% | 62 |
| Assets per employee ($millions) | 3.9022% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8740% | 343 |
| Loan loss allowance to noncurrent loans | 39.2915% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 10.3429% | 227 |
| Noncurrent loans to loans | 9.8598% | 255 |
| Net loans and leases to total assets | 46.5455% | 5,708 |
| Net loans and leases to deposits | 49.1091% | 6,182 |
| Net loans and leases to core deposits | 52.7565% | 6,130 |
| Total domestic deposits to total assets | 94.7799% | 47 |
| Equity capital to assets | 2.3525% | 7,154 |
| Core capital (leverage) ratio | 2.3903% | 7,153 |
| Tier 1 risk-based capital ratio | 4.3418% | 7,130 |
| Total risk-based capital ratio | 5.6166% | 7,132 |
| Memoranda: | ||
| Average total assets | $39,649,500 | 6,595 |
| Average earning assets | $33,202,250 | 6,662 |
| Average equity | $1,122,000 | 7,150 |
| Average total loans | $20,955,250 | 6,466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 5,190 |
| Cost of funding earning assets | 1.0885% | 1,264 |
| Net interest margin | 3.0430% | 6,137 |
| Noninterest income to average assets | 0.1555% | 6,420 |
| Noninterest expense to average assets | 4.9274% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.2329% | 7,097 |
| Return on assets (ROA) | -0.9182% | 6,908 |
| Pretax return on assets | -0.9182% | 6,878 |
| Return on Equity (ROE) | -30.7563% | 7,109 |
| Retained earnings to average equity (ytd only) | -30.7563% | 7,098 |
| Net charge-offs to loans | 0.2772% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -14.8333% | 5,474 |
| Efficiency ratio | 182.8678% | 53 |
| Assets per employee ($millions) | 3.9227% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5406% | 482 |
| Loan loss allowance to noncurrent loans | 44.4310% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 9.7739% | 277 |
| Noncurrent loans to loans | 7.9687% | 439 |
| Net loans and leases to total assets | 50.9776% | 5,226 |
| Net loans and leases to deposits | 53.8350% | 5,883 |
| Net loans and leases to core deposits | 56.1808% | 5,928 |
| Total domestic deposits to total assets | 94.6924% | 61 |
| Equity capital to assets | 2.4753% | 7,202 |
| Core capital (leverage) ratio | 2.4987% | 7,199 |
| Tier 1 risk-based capital ratio | 4.2385% | 7,181 |
| Total risk-based capital ratio | 5.5105% | 7,184 |
| Memoranda: | ||
| Average total assets | $39,858,670 | 6,634 |
| Average earning assets | $33,256,330 | 6,703 |
| Average equity | $1,190,000 | 7,205 |
| Average total loans | $21,642,000 | 6,487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 4,548 |
| Cost of funding earning assets | 1.1789% | 1,069 |
| Net interest margin | 3.1639% | 5,868 |
| Noninterest income to average assets | 0.1195% | 6,654 |
| Noninterest expense to average assets | 4.4406% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.7026% | 7,127 |
| Return on assets (ROA) | 0.4779% | 5,112 |
| Pretax return on assets | 0.4779% | 5,497 |
| Return on Equity (ROE) | 14.7749% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.7749% | 474 |
| Net charge-offs to loans | 0.5068% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -6.1071% | 4,675 |
| Efficiency ratio | 162.1818% | 76 |
| Assets per employee ($millions) | 4.0116% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3617% | 592 |
| Loan loss allowance to noncurrent loans | 45.1811% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 9.8415% | 310 |
| Noncurrent loans to loans | 7.4404% | 574 |
| Net loans and leases to total assets | 52.7420% | 4,914 |
| Net loans and leases to deposits | 55.9425% | 5,607 |
| Net loans and leases to core deposits | 58.8098% | 5,646 |
| Total domestic deposits to total assets | 94.2791% | 80 |
| Equity capital to assets | 2.9564% | 7,238 |
| Core capital (leverage) ratio | 3.0442% | 7,231 |
| Tier 1 risk-based capital ratio | 4.9349% | 7,217 |
| Total risk-based capital ratio | 6.2083% | 7,219 |
| Memoranda: | ||
| Average total assets | $40,174,500 | 6,678 |
| Average earning assets | $33,250,000 | 6,763 |
| Average equity | $1,299,500 | 7,252 |
| Average total loans | $22,097,500 | 6,505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 3,003 |
| Cost of funding earning assets | 1.4102% | 995 |
| Net interest margin | 3.5629% | 4,880 |
| Noninterest income to average assets | 0.2804% | 5,523 |
| Noninterest expense to average assets | 5.1023% | 356 |
| Loan and lease loss provision to assets | 0.4217% | 2,485 |
| Net operating income to assets | -2.2638% | 7,072 |
| Return on assets (ROA) | -2.2638% | 7,088 |
| Pretax return on assets | -2.2638% | 7,079 |
| Return on Equity (ROE) | -55.4546% | 7,226 |
| Retained earnings to average equity (ytd only) | -55.4546% | 7,225 |
| Net charge-offs to loans | 2.2840% | 550 |
| Credit loss provision to net charge-offs | 32.1555% | 5,754 |
| Earnings coverage of net charge-offs (x) | -1.4046% | 6,242 |
| Efficiency ratio | 156.5032% | 121 |
| Assets per employee ($millions) | 4.0233% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4259% | 562 |
| Loan loss allowance to noncurrent loans | 61.7124% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 12.0274% | 209 |
| Noncurrent loans to loans | 5.5513% | 947 |
| Net loans and leases to total assets | 53.5307% | 5,106 |
| Net loans and leases to deposits | 57.1485% | 5,782 |
| Net loans and leases to core deposits | 59.5850% | 5,884 |
| Total domestic deposits to total assets | 93.6694% | 107 |
| Equity capital to assets | 3.5120% | 7,250 |
| Core capital (leverage) ratio | 2.8366% | 7,278 |
| Tier 1 risk-based capital ratio | 4.4135% | 7,266 |
| Total risk-based capital ratio | 5.6815% | 7,265 |
| Memoranda: | ||
| Average total assets | $43,157,200 | 6,559 |
| Average earning assets | $36,093,800 | 6,675 |
| Average equity | $1,761,800 | 7,245 |
| Average total loans | $24,780,800 | 6,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 2,663 |
| Cost of funding earning assets | 1.4389% | 1,074 |
| Net interest margin | 3.6494% | 4,567 |
| Noninterest income to average assets | 0.2856% | 5,567 |
| Noninterest expense to average assets | 4.7999% | 439 |
| Loan and lease loss provision to assets | 0.5438% | 1,811 |
| Net operating income to assets | -1.9838% | 7,134 |
| Return on assets (ROA) | -1.9838% | 7,146 |
| Pretax return on assets | -1.9838% | 7,120 |
| Return on Equity (ROE) | -47.0871% | 7,281 |
| Retained earnings to average equity (ytd only) | -47.0871% | 7,275 |
| Net charge-offs to loans | 4.0050% | 165 |
| Credit loss provision to net charge-offs | 23.4600% | 5,515 |
| Earnings coverage of net charge-offs (x) | -0.6212% | 5,868 |
| Efficiency ratio | 142.8571% | 171 |
| Assets per employee ($millions) | 4.2635% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4825% | 1,421 |
| Loan loss allowance to noncurrent loans | 46.9609% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 10.7681% | 309 |
| Noncurrent loans to loans | 5.2863% | 1,151 |
| Net loans and leases to total assets | 51.9643% | 5,451 |
| Net loans and leases to deposits | 55.8567% | 6,049 |
| Net loans and leases to core deposits | 58.1084% | 6,118 |
| Total domestic deposits to total assets | 93.0315% | 132 |
| Equity capital to assets | 4.1773% | 7,312 |
| Core capital (leverage) ratio | 3.4254% | 7,329 |
| Tier 1 risk-based capital ratio | 5.5331% | 7,311 |
| Total risk-based capital ratio | 6.7928% | 7,314 |
| Memoranda: | ||
| Average total assets | $43,888,250 | 6,598 |
| Average earning assets | $36,973,250 | 6,702 |
| Average equity | $1,849,000 | 7,306 |
| Average total loans | $25,400,750 | 6,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 1,678 |
| Cost of funding earning assets | 1.4564% | 1,175 |
| Net interest margin | 3.9068% | 3,277 |
| Noninterest income to average assets | 0.3837% | 4,810 |
| Noninterest expense to average assets | 4.8300% | 422 |
| Loan and lease loss provision to assets | 0.7222% | 1,298 |
| Net operating income to assets | -1.8508% | 7,170 |
| Return on assets (ROA) | -1.8508% | 7,175 |
| Pretax return on assets | -1.8508% | 7,139 |
| Return on Equity (ROE) | -43.8111% | 7,325 |
| Retained earnings to average equity (ytd only) | -43.8111% | 7,322 |
| Net charge-offs to loans | 5.8643% | 92 |
| Credit loss provision to net charge-offs | 20.7523% | 5,123 |
| Earnings coverage of net charge-offs (x) | -0.3243% | 5,463 |
| Efficiency ratio | 130.4878% | 254 |
| Assets per employee ($millions) | 4.4013% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 1,846 |
| Loan loss allowance to noncurrent loans | 31.3120% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 10.3356% | 366 |
| Noncurrent loans to loans | 7.1446% | 707 |
| Net loans and leases to total assets | 53.3183% | 5,384 |
| Net loans and leases to deposits | 57.1906% | 6,031 |
| Net loans and leases to core deposits | 59.4116% | 6,145 |
| Total domestic deposits to total assets | 93.2293% | 123 |
| Equity capital to assets | 4.0624% | 7,385 |
| Core capital (leverage) ratio | 3.8070% | 7,389 |
| Tier 1 risk-based capital ratio | 6.2318% | 7,353 |
| Total risk-based capital ratio | 7.4904% | 7,356 |
| Memoranda: | ||
| Average total assets | $44,306,000 | 6,635 |
| Average earning assets | $37,626,330 | 6,736 |
| Average equity | $1,871,670 | 7,369 |
| Average total loans | $26,294,670 | 6,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 4,627 |
| Cost of funding earning assets | 1.4396% | 1,434 |
| Net interest margin | 3.2365% | 5,963 |
| Noninterest income to average assets | 0.4499% | 4,289 |
| Noninterest expense to average assets | 4.7241% | 467 |
| Loan and lease loss provision to assets | 1.0708% | 694 |
| Net operating income to assets | -2.5735% | 7,349 |
| Return on assets (ROA) | -2.5735% | 7,351 |
| Pretax return on assets | -2.5735% | 7,335 |
| Return on Equity (ROE) | -59.7857% | 7,435 |
| Retained earnings to average equity (ytd only) | -59.7857% | 7,425 |
| Net charge-offs to loans | 10.6414% | 32 |
| Credit loss provision to net charge-offs | 16.3014% | 4,307 |
| Earnings coverage of net charge-offs (x) | -0.2288% | 4,709 |
| Efficiency ratio | 146.6480% | 178 |
| Assets per employee ($millions) | 4.0919% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0369% | 2,319 |
| Loan loss allowance to noncurrent loans | 22.1079% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 11.0529% | 331 |
| Noncurrent loans to loans | 9.2133% | 472 |
| Net loans and leases to total assets | 57.3793% | 4,739 |
| Net loans and leases to deposits | 61.4227% | 5,579 |
| Net loans and leases to core deposits | 63.7405% | 5,758 |
| Total domestic deposits to total assets | 93.4172% | 108 |
| Equity capital to assets | 3.9479% | 7,444 |
| Core capital (leverage) ratio | 4.1917% | 7,422 |
| Tier 1 risk-based capital ratio | 6.2144% | 7,417 |
| Total risk-based capital ratio | 7.4700% | 7,421 |
| Memoranda: | ||
| Average total assets | $44,452,500 | 6,680 |
| Average earning assets | $38,065,500 | 6,756 |
| Average equity | $1,913,500 | 7,406 |
| Average total loans | $27,440,000 | 6,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 5,052 |
| Cost of funding earning assets | 1.7712% | 1,292 |
| Net interest margin | 3.1252% | 6,449 |
| Noninterest income to average assets | 0.2522% | 5,997 |
| Noninterest expense to average assets | 4.5453% | 623 |
| Loan and lease loss provision to assets | 1.4990% | 988 |
| Net operating income to assets | -4.6159% | 7,502 |
| Return on assets (ROA) | -4.3214% | 7,486 |
| Pretax return on assets | -2.7921% | 7,243 |
| Return on Equity (ROE) | -60.4607% | 7,487 |
| Retained earnings to average equity (ytd only) | -60.4607% | 7,485 |
| Net charge-offs to loans | 2.3895% | 795 |
| Credit loss provision to net charge-offs | 96.4935% | 4,814 |
| Earnings coverage of net charge-offs (x) | -1.0221% | 6,612 |
| Efficiency ratio | 153.6835% | 197 |
| Assets per employee ($millions) | 4.3894% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0258% | 389 |
| Loan loss allowance to noncurrent loans | 39.4231% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 11.9424% | 281 |
| Noncurrent loans to loans | 10.2118% | 407 |
| Net loans and leases to total assets | 62.3502% | 4,215 |
| Net loans and leases to deposits | 67.3260% | 5,192 |
| Net loans and leases to core deposits | 69.9484% | 5,448 |
| Total domestic deposits to total assets | 92.6095% | 175 |
| Equity capital to assets | 4.6703% | 7,462 |
| Core capital (leverage) ratio | 4.6003% | 7,452 |
| Tier 1 risk-based capital ratio | 6.9215% | 7,430 |
| Total risk-based capital ratio | 8.2011% | 7,433 |
| Memoranda: | ||
| Average total assets | $49,567,600 | 6,555 |
| Average earning assets | $42,909,400 | 6,619 |
| Average equity | $3,542,800 | 7,124 |
| Average total loans | $32,224,200 | 6,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 4,868 |
| Cost of funding earning assets | 1.8050% | 1,394 |
| Net interest margin | 3.1845% | 6,394 |
| Noninterest income to average assets | 0.3661% | 5,230 |
| Noninterest expense to average assets | 4.1867% | 843 |
| Loan and lease loss provision to assets | 1.7285% | 729 |
| Net operating income to assets | -2.7902% | 7,406 |
| Return on assets (ROA) | -2.4084% | 7,343 |
| Pretax return on assets | -2.4084% | 7,300 |
| Return on Equity (ROE) | -31.3578% | 7,406 |
| Retained earnings to average equity (ytd only) | -31.3578% | 7,400 |
| Net charge-offs to loans | 3.0968% | 484 |
| Credit loss provision to net charge-offs | 85.8442% | 4,921 |
| Earnings coverage of net charge-offs (x) | -0.5273% | 6,335 |
| Efficiency ratio | 133.9749% | 273 |
| Assets per employee ($millions) | 4.2925% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5903% | 506 |
| Loan loss allowance to noncurrent loans | 65.3988% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 9.2401% | 474 |
| Noncurrent loans to loans | 5.4899% | 1,207 |
| Net loans and leases to total assets | 60.6231% | 4,797 |
| Net loans and leases to deposits | 67.1224% | 5,532 |
| Net loans and leases to core deposits | 69.5981% | 5,788 |
| Total domestic deposits to total assets | 90.3173% | 711 |
| Equity capital to assets | 7.1519% | 7,290 |
| Core capital (leverage) ratio | 5.2693% | 7,523 |
| Tier 1 risk-based capital ratio | 7.8464% | 7,494 |
| Total risk-based capital ratio | 9.1205% | 7,495 |
| Memoranda: | ||
| Average total assets | $50,986,000 | 6,574 |
| Average earning assets | $44,171,250 | 6,652 |
| Average equity | $3,916,000 | 7,110 |
| Average total loans | $33,151,250 | 6,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 5,381 |
| Cost of funding earning assets | 1.7918% | 1,672 |
| Net interest margin | 3.1085% | 6,588 |
| Noninterest income to average assets | 0.3407% | 5,425 |
| Noninterest expense to average assets | 3.6790% | 1,600 |
| Loan and lease loss provision to assets | 1.9754% | 622 |
| Net operating income to assets | -2.5841% | 7,437 |
| Return on assets (ROA) | -2.0635% | 7,331 |
| Pretax return on assets | -2.0635% | 7,254 |
| Return on Equity (ROE) | -26.3205% | 7,386 |
| Retained earnings to average equity (ytd only) | -26.3205% | 7,370 |
| Net charge-offs to loans | 4.0403% | 316 |
| Credit loss provision to net charge-offs | 74.4589% | 4,847 |
| Earnings coverage of net charge-offs (x) | -0.2294% | 5,887 |
| Efficiency ratio | 119.8254% | 419 |
| Assets per employee ($millions) | 4.9171% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1277% | 747 |
| Loan loss allowance to noncurrent loans | 42.4320% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 8.4381% | 558 |
| Noncurrent loans to loans | 7.3712% | 734 |
| Net loans and leases to total assets | 57.1476% | 5,539 |
| Net loans and leases to deposits | 62.9262% | 6,144 |
| Net loans and leases to core deposits | 65.2702% | 6,291 |
| Total domestic deposits to total assets | 90.8168% | 560 |
| Equity capital to assets | 6.9387% | 7,370 |
| Core capital (leverage) ratio | 5.8442% | 7,504 |
| Tier 1 risk-based capital ratio | 8.3534% | 7,496 |
| Total risk-based capital ratio | 9.6207% | 7,507 |
| Memoranda: | ||
| Average total assets | $52,242,000 | 6,574 |
| Average earning assets | $45,874,670 | 6,639 |
| Average equity | $4,095,670 | 7,084 |
| Average total loans | $34,304,670 | 6,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 4,869 |
| Cost of funding earning assets | 1.9036% | 1,435 |
| Net interest margin | 3.1286% | 6,521 |
| Noninterest income to average assets | 0.3118% | 5,657 |
| Noninterest expense to average assets | 3.6712% | 1,569 |
| Loan and lease loss provision to assets | 0.4988% | 2,505 |
| Net operating income to assets | -1.0912% | 7,161 |
| Return on assets (ROA) | -1.0912% | 7,177 |
| Pretax return on assets | -1.0912% | 7,094 |
| Return on Equity (ROE) | -13.1240% | 7,260 |
| Retained earnings to average equity (ytd only) | -13.1240% | 7,129 |
| Net charge-offs to loans | 7.1318% | 128 |
| Credit loss provision to net charge-offs | 10.1106% | 5,045 |
| Earnings coverage of net charge-offs (x) | -0.1201% | 5,114 |
| Efficiency ratio | 119.2405% | 452 |
| Assets per employee ($millions) | 4.6547% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 3,016 |
| Loan loss allowance to noncurrent loans | 19.4793% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 8.1501% | 601 |
| Noncurrent loans to loans | 8.7904% | 572 |
| Net loans and leases to total assets | 67.9368% | 3,401 |
| Net loans and leases to deposits | 75.9896% | 4,417 |
| Net loans and leases to core deposits | 82.9953% | 4,343 |
| Total domestic deposits to total assets | 89.4028% | 1,298 |
| Equity capital to assets | 8.2536% | 6,367 |
| Core capital (leverage) ratio | 6.7103% | 7,386 |
| Tier 1 risk-based capital ratio | 8.8678% | 7,502 |
| Total risk-based capital ratio | 10.1226% | 7,522 |
| Memoranda: | ||
| Average total assets | $51,319,000 | 6,687 |
| Average earning assets | $45,388,000 | 6,732 |
| Average equity | $4,267,000 | 7,087 |
| Average total loans | $35,503,000 | 6,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 4,307 |
| Cost of funding earning assets | 2.4302% | 1,211 |
| Net interest margin | 3.0427% | 6,534 |
| Noninterest income to average assets | 0.3564% | 5,551 |
| Noninterest expense to average assets | 4.3249% | 960 |
| Loan and lease loss provision to assets | 5.8840% | 118 |
| Net operating income to assets | -7.1012% | 7,899 |
| Return on assets (ROA) | -6.8060% | 7,878 |
| Pretax return on assets | -6.8796% | 7,860 |
| Return on Equity (ROE) | -55.5802% | 7,730 |
| Retained earnings to average equity (ytd only) | -55.5802% | 7,725 |
| Net charge-offs to loans | 6.3045% | 157 |
| Credit loss provision to net charge-offs | 131.9722% | 3,805 |
| Earnings coverage of net charge-offs (x) | -0.2902% | 6,538 |
| Efficiency ratio | 142.6837% | 364 |
| Assets per employee ($millions) | 4.6760% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2992% | 606 |
| Loan loss allowance to noncurrent loans | 32.6027% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 9.0715% | 442 |
| Noncurrent loans to loans | 10.1193% | 405 |
| Net loans and leases to total assets | 66.9570% | 3,936 |
| Net loans and leases to deposits | 75.0163% | 4,870 |
| Net loans and leases to core deposits | 117.9937% | 2,131 |
| Total domestic deposits to total assets | 89.2566% | 1,351 |
| Equity capital to assets | 8.3755% | 6,089 |
| Core capital (leverage) ratio | 7.0102% | 7,228 |
| Tier 1 risk-based capital ratio | 9.1606% | 7,395 |
| Total risk-based capital ratio | 10.4241% | 7,396 |
| Memoranda: | ||
| Average total assets | $51,631,200 | 6,647 |
| Average earning assets | $45,388,000 | 6,704 |
| Average equity | $6,322,400 | 6,491 |
| Average total loans | $36,513,800 | 6,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 4,625 |
| Cost of funding earning assets | 2.5424% | 1,174 |
| Net interest margin | 2.9187% | 6,806 |
| Noninterest income to average assets | 0.3019% | 6,061 |
| Noninterest expense to average assets | 3.2868% | 2,965 |
| Loan and lease loss provision to assets | 1.4551% | 1,318 |
| Net operating income to assets | -1.7523% | 7,214 |
| Return on assets (ROA) | -1.3828% | 7,050 |
| Pretax return on assets | -1.4809% | 6,952 |
| Return on Equity (ROE) | -10.4695% | 6,927 |
| Retained earnings to average equity (ytd only) | -10.4695% | 6,850 |
| Net charge-offs to loans | 1.4226% | 1,453 |
| Credit loss provision to net charge-offs | 143.8776% | 3,395 |
| Earnings coverage of net charge-offs (x) | -0.4184% | 6,439 |
| Efficiency ratio | 114.7748% | 678 |
| Assets per employee ($millions) | 4.8663% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,049 |
| Loan loss allowance to noncurrent loans | 11.5742% | 7,418 |
| Noncurrent assets plus other real estate owned to assets | 12.7333% | 194 |
| Noncurrent loans to loans | 13.7003% | 195 |
| Net loans and leases to total assets | 70.8420% | 3,307 |
| Net loans and leases to deposits | 82.7482% | 3,879 |
| Net loans and leases to core deposits | 125.2593% | 1,792 |
| Total domestic deposits to total assets | 85.6115% | 2,911 |
| Equity capital to assets | 12.0271% | 2,227 |
| Core capital (leverage) ratio | 11.8203% | 1,891 |
| Tier 1 risk-based capital ratio | 14.7317% | 3,169 |
| Total risk-based capital ratio | 15.9661% | 3,122 |
| Memoranda: | ||
| Average total assets | $51,680,000 | 6,699 |
| Average earning assets | $45,362,000 | 6,763 |
| Average equity | $6,826,000 | 6,384 |
| Average total loans | $36,738,500 | 6,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 4,066 |
| Cost of funding earning assets | 2.6084% | 1,262 |
| Net interest margin | 2.9938% | 6,569 |
| Noninterest income to average assets | 0.3525% | 5,680 |
| Noninterest expense to average assets | 3.1921% | 3,360 |
| Loan and lease loss provision to assets | 0.7951% | 2,102 |
| Net operating income to assets | -0.6524% | 6,707 |
| Return on assets (ROA) | -0.2663% | 6,297 |
| Pretax return on assets | -0.4152% | 6,340 |
| Return on Equity (ROE) | -1.9553% | 6,216 |
| Retained earnings to average equity (ytd only) | -1.9553% | 5,732 |
| Net charge-offs to loans | 0.8744% | 1,944 |
| Credit loss provision to net charge-offs | 128.4810% | 3,620 |
| Earnings coverage of net charge-offs (x) | -0.3608% | 5,998 |
| Efficiency ratio | 107.5198% | 924 |
| Assets per employee ($millions) | 4.8749% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,563 |
| Loan loss allowance to noncurrent loans | 13.3702% | 7,417 |
| Noncurrent assets plus other real estate owned to assets | 9.6170% | 325 |
| Noncurrent loans to loans | 9.3992% | 400 |
| Net loans and leases to total assets | 70.9197% | 3,482 |
| Net loans and leases to deposits | 85.2480% | 3,691 |
| Net loans and leases to core deposits | 129.0334% | 1,649 |
| Total domestic deposits to total assets | 83.1922% | 4,151 |
| Equity capital to assets | 12.8338% | 1,774 |
| Core capital (leverage) ratio | 12.9393% | 1,452 |
| Tier 1 risk-based capital ratio | 15.5954% | 2,772 |
| Total risk-based capital ratio | 16.7005% | 2,764 |
| Memoranda: | ||
| Average total assets | $51,063,670 | 6,785 |
| Average earning assets | $44,625,000 | 6,852 |
| Average equity | $6,955,330 | 6,387 |
| Average total loans | $36,140,670 | 6,395 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 3,633 |
| Cost of funding earning assets | 2.7184% | 1,216 |
| Net interest margin | 3.0132% | 6,448 |
| Noninterest income to average assets | 0.2571% | 6,393 |
| Noninterest expense to average assets | 3.3907% | 2,387 |
| Loan and lease loss provision to assets | 0.9963% | 1,308 |
| Net operating income to assets | -0.9606% | 7,229 |
| Return on assets (ROA) | -0.1687% | 6,602 |
| Pretax return on assets | -0.2651% | 6,637 |
| Return on Equity (ROE) | -1.2014% | 6,573 |
| Retained earnings to average equity (ytd only) | -1.2014% | 5,934 |
| Net charge-offs to loans | 0.6981% | 1,789 |
| Credit loss provision to net charge-offs | 203.2787% | 2,186 |
| Earnings coverage of net charge-offs (x) | -1.0328% | 5,364 |
| Efficiency ratio | 117.5487% | 666 |
| Assets per employee ($millions) | 4.5975% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,509 |
| Loan loss allowance to noncurrent loans | 22.3708% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 7.4763% | 423 |
| Noncurrent loans to loans | 6.2549% | 733 |
| Net loans and leases to total assets | 69.9464% | 3,682 |
| Net loans and leases to deposits | 84.3705% | 3,916 |
| Net loans and leases to core deposits | 125.0362% | 1,995 |
| Total domestic deposits to total assets | 82.9039% | 4,191 |
| Equity capital to assets | 13.6614% | 1,476 |
| Core capital (leverage) ratio | 13.8529% | 1,220 |
| Tier 1 risk-based capital ratio | 16.4687% | 2,526 |
| Total risk-based capital ratio | 17.6709% | 2,487 |
| Memoranda: | ||
| Average total assets | $49,783,500 | 6,878 |
| Average earning assets | $43,408,500 | 6,962 |
| Average equity | $6,992,000 | 6,416 |
| Average total loans | $34,954,000 | 6,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5702% | 2,623 |
| Cost of funding earning assets | 3.1389% | 1,386 |
| Net interest margin | 3.4313% | 5,543 |
| Noninterest income to average assets | 0.3493% | 5,935 |
| Noninterest expense to average assets | 3.7484% | 1,858 |
| Loan and lease loss provision to assets | 0.3332% | 3,724 |
| Net operating income to assets | -0.4895% | 6,918 |
| Return on assets (ROA) | -0.4895% | 6,794 |
| Pretax return on assets | -0.7653% | 6,861 |
| Return on Equity (ROE) | -3.0355% | 6,628 |
| Retained earnings to average equity (ytd only) | -3.0355% | 6,120 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0284% | 651 |
| Assets per employee ($millions) | 4.0828% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 3,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1371% | 1,459 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.5655% | 4,351 |
| Net loans and leases to deposits | 83.2705% | 4,528 |
| Net loans and leases to core deposits | 125.6941% | 2,185 |
| Total domestic deposits to total assets | 82.3407% | 4,065 |
| Equity capital to assets | 14.4405% | 1,315 |
| Core capital (leverage) ratio | 14.2828% | 1,195 |
| Tier 1 risk-based capital ratio | 17.0747% | 2,284 |
| Total risk-based capital ratio | 18.1613% | 2,285 |
| Memoranda: | ||
| Average total assets | $43,511,400 | 7,054 |
| Average earning assets | $37,624,200 | 7,168 |
| Average equity | $7,017,000 | 6,447 |
| Average total loans | $28,906,000 | 6,774 |