Home > CommerceFirst Bank > Performance and Condition Ratios
CommerceFirst Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 242 |
| Cost of funding earning assets | 0.7880% | 3,562 |
| Net interest margin | 5.3769% | 219 |
| Noninterest income to average assets | 0.3980% | 4,691 |
| Noninterest expense to average assets | 2.5881% | 4,864 |
| Loan and lease loss provision to assets | 1.1164% | 355 |
| Net operating income to assets | 1.0912% | 2,133 |
| Return on assets (ROA) | 1.0912% | 2,320 |
| Pretax return on assets | 1.8076% | 1,055 |
| Return on Equity (ROE) | 9.6905% | 2,520 |
| Retained earnings to average equity (ytd only) | 9.6905% | 1,357 |
| Net charge-offs to loans | 0.3315% | 2,326 |
| Credit loss provision to net charge-offs | 380.7947% | 811 |
| Earnings coverage of net charge-offs (x) | 9.9735% | 1,795 |
| Efficiency ratio | 46.9532% | 6,855 |
| Assets per employee ($millions) | 5.8525% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 2,620 |
| Loan loss allowance to noncurrent loans | 107.5272% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 3.6356% | 1,561 |
| Noncurrent loans to loans | 1.7849% | 3,431 |
| Net loans and leases to total assets | 86.2466% | 113 |
| Net loans and leases to deposits | 98.0318% | 443 |
| Net loans and leases to core deposits | 126.1003% | 233 |
| Total domestic deposits to total assets | 87.9782% | 2,333 |
| Equity capital to assets | 11.4623% | 2,473 |
| Core capital (leverage) ratio | 11.4216% | 1,946 |
| Tier 1 risk-based capital ratio | 12.6934% | 5,451 |
| Total risk-based capital ratio | 13.9515% | 5,402 |
| Memoranda: | ||
| Average total assets | $206,017,500 | 3,039 |
| Average earning assets | $195,951,000 | 2,950 |
| Average equity | $23,198,000 | 2,831 |
| Average total loans | $182,209,500 | 2,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2188% | 291 |
| Cost of funding earning assets | 1.0628% | 2,935 |
| Net interest margin | 5.1560% | 307 |
| Noninterest income to average assets | 0.5551% | 3,468 |
| Noninterest expense to average assets | 2.6918% | 4,772 |
| Loan and lease loss provision to assets | 1.2270% | 703 |
| Net operating income to assets | 0.9494% | 2,412 |
| Return on assets (ROA) | 0.9494% | 2,537 |
| Pretax return on assets | 1.5525% | 1,335 |
| Return on Equity (ROE) | 8.9369% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.9369% | 823 |
| Net charge-offs to loans | 1.4561% | 1,114 |
| Credit loss provision to net charge-offs | 94.7270% | 3,809 |
| Earnings coverage of net charge-offs (x) | 2.1458% | 4,177 |
| Efficiency ratio | 49.1988% | 6,881 |
| Assets per employee ($millions) | 5.6000% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,395 |
| Loan loss allowance to noncurrent loans | 113.6807% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 3.3301% | 1,782 |
| Noncurrent loans to loans | 1.4477% | 3,998 |
| Net loans and leases to total assets | 87.4835% | 88 |
| Net loans and leases to deposits | 98.6160% | 522 |
| Net loans and leases to core deposits | 127.6550% | 262 |
| Total domestic deposits to total assets | 88.7113% | 1,710 |
| Equity capital to assets | 11.0604% | 2,932 |
| Core capital (leverage) ratio | 10.9121% | 2,339 |
| Tier 1 risk-based capital ratio | 12.0789% | 5,777 |
| Total risk-based capital ratio | 13.3334% | 5,757 |
| Memoranda: | ||
| Average total assets | $206,443,800 | 2,985 |
| Average earning assets | $196,838,600 | 2,892 |
| Average equity | $21,931,600 | 2,901 |
| Average total loans | $183,642,000 | 2,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2078% | 321 |
| Cost of funding earning assets | 1.1062% | 2,935 |
| Net interest margin | 5.1016% | 339 |
| Noninterest income to average assets | 0.5889% | 3,241 |
| Noninterest expense to average assets | 2.6808% | 4,800 |
| Loan and lease loss provision to assets | 1.2243% | 630 |
| Net operating income to assets | 0.9535% | 2,515 |
| Return on assets (ROA) | 0.9535% | 2,680 |
| Pretax return on assets | 1.5521% | 1,509 |
| Return on Equity (ROE) | 9.0689% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.0689% | 1,119 |
| Net charge-offs to loans | 1.4752% | 990 |
| Credit loss provision to net charge-offs | 93.3005% | 3,652 |
| Earnings coverage of net charge-offs (x) | 2.1158% | 4,085 |
| Efficiency ratio | 49.1234% | 6,878 |
| Assets per employee ($millions) | 5.3892% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,339 |
| Loan loss allowance to noncurrent loans | 60.8818% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 3.7243% | 1,675 |
| Noncurrent loans to loans | 2.7607% | 2,524 |
| Net loans and leases to total assets | 86.7767% | 111 |
| Net loans and leases to deposits | 97.8461% | 584 |
| Net loans and leases to core deposits | 126.6553% | 282 |
| Total domestic deposits to total assets | 88.6869% | 1,633 |
| Equity capital to assets | 10.9537% | 3,193 |
| Core capital (leverage) ratio | 10.8289% | 2,545 |
| Tier 1 risk-based capital ratio | 12.1115% | 5,807 |
| Total risk-based capital ratio | 13.3668% | 5,798 |
| Memoranda: | ||
| Average total assets | $206,255,000 | 3,001 |
| Average earning assets | $196,822,250 | 2,904 |
| Average equity | $21,685,250 | 2,918 |
| Average total loans | $183,478,000 | 2,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2047% | 330 |
| Cost of funding earning assets | 1.1371% | 2,984 |
| Net interest margin | 5.0676% | 353 |
| Noninterest income to average assets | 0.6636% | 2,745 |
| Noninterest expense to average assets | 2.7329% | 4,691 |
| Loan and lease loss provision to assets | 1.2653% | 594 |
| Net operating income to assets | 0.9297% | 2,517 |
| Return on assets (ROA) | 0.9297% | 2,622 |
| Pretax return on assets | 1.4985% | 1,537 |
| Return on Equity (ROE) | 8.9661% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.9661% | 1,119 |
| Net charge-offs to loans | 1.2051% | 1,301 |
| Credit loss provision to net charge-offs | 117.7318% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.5716% | 3,541 |
| Efficiency ratio | 49.7184% | 6,959 |
| Assets per employee ($millions) | 5.3995% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,775 |
| Loan loss allowance to noncurrent loans | 50.2609% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 4.7673% | 1,303 |
| Noncurrent loans to loans | 3.7133% | 1,891 |
| Net loans and leases to total assets | 84.1710% | 235 |
| Net loans and leases to deposits | 94.2834% | 854 |
| Net loans and leases to core deposits | 122.9231% | 362 |
| Total domestic deposits to total assets | 89.2745% | 1,373 |
| Equity capital to assets | 10.4083% | 3,630 |
| Core capital (leverage) ratio | 10.5443% | 2,665 |
| Tier 1 risk-based capital ratio | 11.8211% | 5,922 |
| Total risk-based capital ratio | 13.0783% | 5,899 |
| Memoranda: | ||
| Average total assets | $206,743,330 | 3,012 |
| Average earning assets | $197,173,330 | 2,912 |
| Average equity | $21,436,330 | 2,937 |
| Average total loans | $184,388,000 | 2,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3023% | 280 |
| Cost of funding earning assets | 1.1675% | 3,040 |
| Net interest margin | 5.1348% | 285 |
| Noninterest income to average assets | 0.7831% | 2,099 |
| Noninterest expense to average assets | 2.8395% | 4,299 |
| Loan and lease loss provision to assets | 1.3299% | 507 |
| Net operating income to assets | 0.9315% | 2,438 |
| Return on assets (ROA) | 0.9315% | 2,501 |
| Pretax return on assets | 1.5096% | 1,420 |
| Return on Equity (ROE) | 9.0019% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.0019% | 1,376 |
| Net charge-offs to loans | 0.5712% | 2,058 |
| Credit loss provision to net charge-offs | 256.0150% | 1,218 |
| Earnings coverage of net charge-offs (x) | 5.4662% | 2,277 |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 5.2955% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,649 |
| Loan loss allowance to noncurrent loans | 50.2450% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 4.8139% | 1,324 |
| Noncurrent loans to loans | 3.8063% | 1,926 |
| Net loans and leases to total assets | 89.1282% | 58 |
| Net loans and leases to deposits | 100.0152% | 468 |
| Net loans and leases to core deposits | 130.9562% | 263 |
| Total domestic deposits to total assets | 89.1146% | 1,697 |
| Equity capital to assets | 10.3784% | 3,312 |
| Core capital (leverage) ratio | 10.5255% | 2,588 |
| Tier 1 risk-based capital ratio | 11.1468% | 6,398 |
| Total risk-based capital ratio | 12.4048% | 6,361 |
| Memoranda: | ||
| Average total assets | $204,824,000 | 3,055 |
| Average earning assets | $195,294,500 | 2,941 |
| Average equity | $21,195,500 | 2,961 |
| Average total loans | $186,272,000 | 2,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3571% | 414 |
| Cost of funding earning assets | 1.5888% | 2,135 |
| Net interest margin | 4.7684% | 706 |
| Noninterest income to average assets | 0.5286% | 3,968 |
| Noninterest expense to average assets | 2.5575% | 5,592 |
| Loan and lease loss provision to assets | 1.3136% | 1,162 |
| Net operating income to assets | 0.7317% | 3,092 |
| Return on assets (ROA) | 0.7317% | 3,216 |
| Pretax return on assets | 1.2139% | 2,179 |
| Return on Equity (ROE) | 7.4460% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.4460% | 1,161 |
| Net charge-offs to loans | 1.0383% | 2,125 |
| Credit loss provision to net charge-offs | 141.3111% | 2,660 |
| Earnings coverage of net charge-offs (x) | 2.7190% | 3,723 |
| Efficiency ratio | 50.2948% | 7,098 |
| Assets per employee ($millions) | 5.0781% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 3,148 |
| Loan loss allowance to noncurrent loans | 43.5809% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 5.2220% | 1,197 |
| Noncurrent loans to loans | 3.9392% | 1,855 |
| Net loans and leases to total assets | 89.4576% | 69 |
| Net loans and leases to deposits | 100.0837% | 571 |
| Net loans and leases to core deposits | 130.5793% | 324 |
| Total domestic deposits to total assets | 89.3828% | 1,446 |
| Equity capital to assets | 10.3174% | 3,371 |
| Core capital (leverage) ratio | 10.3362% | 2,735 |
| Tier 1 risk-based capital ratio | 11.0060% | 6,317 |
| Total risk-based capital ratio | 12.2617% | 6,289 |
| Memoranda: | ||
| Average total assets | $206,767,400 | 3,020 |
| Average earning assets | $197,573,200 | 2,910 |
| Average equity | $20,319,600 | 3,104 |
| Average total loans | $185,101,400 | 2,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4036% | 407 |
| Cost of funding earning assets | 1.6842% | 1,949 |
| Net interest margin | 4.7194% | 803 |
| Noninterest income to average assets | 0.5008% | 4,181 |
| Noninterest expense to average assets | 2.5231% | 5,625 |
| Loan and lease loss provision to assets | 1.0567% | 1,394 |
| Net operating income to assets | 0.8635% | 2,769 |
| Return on assets (ROA) | 0.8635% | 2,901 |
| Pretax return on assets | 1.4310% | 1,791 |
| Return on Equity (ROE) | 8.8952% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.8952% | 1,085 |
| Net charge-offs to loans | 1.0751% | 1,883 |
| Credit loss provision to net charge-offs | 110.2478% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.5954% | 3,852 |
| Efficiency ratio | 50.3523% | 7,125 |
| Assets per employee ($millions) | 5.5670% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,615 |
| Loan loss allowance to noncurrent loans | 84.5179% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 2.6138% | 2,766 |
| Noncurrent loans to loans | 1.6232% | 4,212 |
| Net loans and leases to total assets | 88.4057% | 96 |
| Net loans and leases to deposits | 98.7420% | 743 |
| Net loans and leases to core deposits | 132.5795% | 342 |
| Total domestic deposits to total assets | 89.5320% | 1,109 |
| Equity capital to assets | 10.0927% | 4,033 |
| Core capital (leverage) ratio | 9.9538% | 3,291 |
| Tier 1 risk-based capital ratio | 10.9573% | 6,416 |
| Total risk-based capital ratio | 12.2085% | 6,401 |
| Memoranda: | ||
| Average total assets | $207,678,500 | 3,046 |
| Average earning assets | $198,467,000 | 2,945 |
| Average equity | $20,160,250 | 3,170 |
| Average total loans | $185,156,000 | 2,327 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3583% | 449 |
| Cost of funding earning assets | 1.7598% | 1,817 |
| Net interest margin | 4.5985% | 999 |
| Noninterest income to average assets | 0.5916% | 3,399 |
| Noninterest expense to average assets | 2.4519% | 5,907 |
| Loan and lease loss provision to assets | 0.9931% | 1,464 |
| Net operating income to assets | 0.9316% | 2,432 |
| Return on assets (ROA) | 0.9316% | 2,524 |
| Pretax return on assets | 1.5434% | 1,451 |
| Return on Equity (ROE) | 9.7240% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.7240% | 909 |
| Net charge-offs to loans | 1.5259% | 1,253 |
| Credit loss provision to net charge-offs | 73.1259% | 4,888 |
| Earnings coverage of net charge-offs (x) | 1.8678% | 4,120 |
| Efficiency ratio | 49.1529% | 7,277 |
| Assets per employee ($millions) | 5.4027% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 6,050 |
| Loan loss allowance to noncurrent loans | 73.1797% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.4655% | 2,915 |
| Noncurrent loans to loans | 1.4720% | 4,498 |
| Net loans and leases to total assets | 87.1646% | 163 |
| Net loans and leases to deposits | 96.9152% | 966 |
| Net loans and leases to core deposits | 136.6146% | 324 |
| Total domestic deposits to total assets | 89.9391% | 947 |
| Equity capital to assets | 9.6883% | 4,415 |
| Core capital (leverage) ratio | 9.6653% | 3,586 |
| Tier 1 risk-based capital ratio | 10.7294% | 6,501 |
| Total risk-based capital ratio | 11.8105% | 6,634 |
| Memoranda: | ||
| Average total assets | $208,244,670 | 3,064 |
| Average earning assets | $199,108,330 | 2,963 |
| Average equity | $19,950,670 | 3,180 |
| Average total loans | $185,331,000 | 2,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3523% | 483 |
| Cost of funding earning assets | 1.7985% | 1,881 |
| Net interest margin | 4.5538% | 1,040 |
| Noninterest income to average assets | 0.6686% | 2,821 |
| Noninterest expense to average assets | 2.3940% | 6,109 |
| Loan and lease loss provision to assets | 0.8637% | 1,474 |
| Net operating income to assets | 1.0627% | 1,953 |
| Return on assets (ROA) | 1.0627% | 2,026 |
| Pretax return on assets | 1.7603% | 955 |
| Return on Equity (ROE) | 11.1568% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.1568% | 885 |
| Net charge-offs to loans | 0.9743% | 1,680 |
| Credit loss provision to net charge-offs | 99.1131% | 3,470 |
| Earnings coverage of net charge-offs (x) | 3.0111% | 3,046 |
| Efficiency ratio | 47.7089% | 7,462 |
| Assets per employee ($millions) | 5.7745% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 5,014 |
| Loan loss allowance to noncurrent loans | 93.6909% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3393% | 3,108 |
| Noncurrent loans to loans | 1.3719% | 4,681 |
| Net loans and leases to total assets | 85.4050% | 259 |
| Net loans and leases to deposits | 94.7666% | 1,260 |
| Net loans and leases to core deposits | 134.5780% | 397 |
| Total domestic deposits to total assets | 90.1215% | 927 |
| Equity capital to assets | 9.3580% | 4,746 |
| Core capital (leverage) ratio | 9.7057% | 3,515 |
| Tier 1 risk-based capital ratio | 10.5402% | 6,598 |
| Total risk-based capital ratio | 11.7907% | 6,584 |
| Memoranda: | ||
| Average total assets | $207,013,500 | 3,131 |
| Average earning assets | $197,724,500 | 3,031 |
| Average equity | $19,719,000 | 3,234 |
| Average total loans | $185,165,500 | 2,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6833% | 481 |
| Cost of funding earning assets | 2.5797% | 828 |
| Net interest margin | 4.1037% | 2,425 |
| Noninterest income to average assets | 0.3884% | 5,307 |
| Noninterest expense to average assets | 2.7897% | 5,017 |
| Loan and lease loss provision to assets | 0.8718% | 2,565 |
| Net operating income to assets | 0.4111% | 4,085 |
| Return on assets (ROA) | 0.4111% | 4,194 |
| Pretax return on assets | 0.6781% | 3,649 |
| Return on Equity (ROE) | 4.2001% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.2001% | 2,281 |
| Net charge-offs to loans | 0.6482% | 3,246 |
| Credit loss provision to net charge-offs | 147.4453% | 3,183 |
| Earnings coverage of net charge-offs (x) | 2.6214% | 3,806 |
| Efficiency ratio | 64.2839% | 5,722 |
| Assets per employee ($millions) | 4.5539% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,854 |
| Loan loss allowance to noncurrent loans | 87.0519% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 2.5932% | 2,704 |
| Noncurrent loans to loans | 1.4740% | 4,455 |
| Net loans and leases to total assets | 91.3815% | 51 |
| Net loans and leases to deposits | 101.6206% | 781 |
| Net loans and leases to core deposits | 162.4930% | 313 |
| Total domestic deposits to total assets | 89.9242% | 1,002 |
| Equity capital to assets | 9.7040% | 4,142 |
| Core capital (leverage) ratio | 9.6812% | 3,484 |
| Tier 1 risk-based capital ratio | 10.2060% | 6,676 |
| Total risk-based capital ratio | 11.4610% | 6,640 |
| Memoranda: | ||
| Average total assets | $185,361,800 | 3,346 |
| Average earning assets | $178,473,400 | 3,232 |
| Average equity | $18,142,600 | 3,487 |
| Average total loans | $169,090,400 | 2,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6398% | 572 |
| Cost of funding earning assets | 2.7104% | 771 |
| Net interest margin | 3.9294% | 3,128 |
| Noninterest income to average assets | 0.3685% | 5,563 |
| Noninterest expense to average assets | 2.8801% | 4,536 |
| Loan and lease loss provision to assets | 0.8443% | 2,267 |
| Net operating income to assets | 0.2650% | 4,930 |
| Return on assets (ROA) | 0.2650% | 5,027 |
| Pretax return on assets | 0.4354% | 4,702 |
| Return on Equity (ROE) | 2.7014% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.7014% | 3,817 |
| Net charge-offs to loans | 0.6950% | 2,609 |
| Credit loss provision to net charge-offs | 133.7209% | 3,727 |
| Earnings coverage of net charge-offs (x) | 2.0267% | 4,299 |
| Efficiency ratio | 69.2376% | 4,735 |
| Assets per employee ($millions) | 5.1384% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,139 |
| Loan loss allowance to noncurrent loans | 45.2251% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.7691% | 2,505 |
| Noncurrent loans to loans | 2.6447% | 2,860 |
| Net loans and leases to total assets | 90.9572% | 81 |
| Net loans and leases to deposits | 101.3450% | 984 |
| Net loans and leases to core deposits | 178.9749% | 194 |
| Total domestic deposits to total assets | 89.7501% | 868 |
| Equity capital to assets | 9.7526% | 4,419 |
| Core capital (leverage) ratio | 9.6727% | 3,687 |
| Tier 1 risk-based capital ratio | 10.4086% | 6,559 |
| Total risk-based capital ratio | 11.6127% | 6,549 |
| Memoranda: | ||
| Average total assets | $181,609,500 | 3,444 |
| Average earning assets | $175,220,750 | 3,307 |
| Average equity | $17,817,250 | 3,559 |
| Average total loans | $164,992,500 | 2,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6575% | 589 |
| Cost of funding earning assets | 2.7627% | 871 |
| Net interest margin | 3.8948% | 3,142 |
| Noninterest income to average assets | 0.3671% | 5,576 |
| Noninterest expense to average assets | 2.9391% | 4,338 |
| Loan and lease loss provision to assets | 0.9025% | 1,872 |
| Net operating income to assets | 0.1694% | 5,355 |
| Return on assets (ROA) | 0.1694% | 5,462 |
| Pretax return on assets | 0.2756% | 5,259 |
| Return on Equity (ROE) | 1.7233% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.7233% | 4,383 |
| Net charge-offs to loans | 0.7234% | 2,248 |
| Credit loss provision to net charge-offs | 137.9965% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.8014% | 4,210 |
| Efficiency ratio | 71.3855% | 4,528 |
| Assets per employee ($millions) | 5.1906% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,742 |
| Loan loss allowance to noncurrent loans | 67.8187% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9370% | 3,289 |
| Noncurrent loans to loans | 1.8146% | 3,789 |
| Net loans and leases to total assets | 86.9234% | 303 |
| Net loans and leases to deposits | 97.0559% | 1,653 |
| Net loans and leases to core deposits | 173.6145% | 280 |
| Total domestic deposits to total assets | 89.5602% | 1,018 |
| Equity capital to assets | 9.8114% | 4,197 |
| Core capital (leverage) ratio | 10.4672% | 2,841 |
| Tier 1 risk-based capital ratio | 10.9270% | 5,959 |
| Total risk-based capital ratio | 12.1635% | 5,908 |
| Memoranda: | ||
| Average total assets | $177,059,000 | 3,525 |
| Average earning assets | $170,485,670 | 3,388 |
| Average equity | $17,408,670 | 3,638 |
| Average total loans | $160,072,000 | 2,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7629% | 511 |
| Cost of funding earning assets | 2.8731% | 821 |
| Net interest margin | 3.8898% | 3,074 |
| Noninterest income to average assets | 0.2383% | 6,549 |
| Noninterest expense to average assets | 2.9511% | 3,968 |
| Loan and lease loss provision to assets | 1.2479% | 1,031 |
| Net operating income to assets | -0.1321% | 6,459 |
| Return on assets (ROA) | -0.1321% | 6,562 |
| Pretax return on assets | -0.2241% | 6,596 |
| Return on Equity (ROE) | -1.3420% | 6,593 |
| Retained earnings to average equity (ytd only) | -1.3420% | 5,972 |
| Net charge-offs to loans | 0.3470% | 2,698 |
| Credit loss provision to net charge-offs | 391.8519% | 1,317 |
| Earnings coverage of net charge-offs (x) | 3.2148% | 3,244 |
| Efficiency ratio | 74.2433% | 3,783 |
| Assets per employee ($millions) | 4.3139% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,365 |
| Loan loss allowance to noncurrent loans | 47.9779% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 3.1074% | 1,816 |
| Noncurrent loans to loans | 2.9690% | 2,200 |
| Net loans and leases to total assets | 90.3945% | 122 |
| Net loans and leases to deposits | 100.7636% | 1,306 |
| Net loans and leases to core deposits | 207.5968% | 123 |
| Total domestic deposits to total assets | 89.7095% | 932 |
| Equity capital to assets | 9.6513% | 4,454 |
| Core capital (leverage) ratio | 9.7859% | 3,652 |
| Tier 1 risk-based capital ratio | 10.3106% | 6,586 |
| Total risk-based capital ratio | 11.5688% | 6,499 |
| Memoranda: | ||
| Average total assets | $169,562,000 | 3,657 |
| Average earning assets | $162,888,000 | 3,530 |
| Average equity | $16,691,500 | 3,797 |
| Average total loans | $155,598,500 | 2,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9593% | 1,237 |
| Cost of funding earning assets | 3.3225% | 866 |
| Net interest margin | 3.6368% | 4,732 |
| Noninterest income to average assets | 0.3317% | 6,076 |
| Noninterest expense to average assets | 3.0447% | 3,924 |
| Loan and lease loss provision to assets | 0.4057% | 3,251 |
| Net operating income to assets | 0.2398% | 5,733 |
| Return on assets (ROA) | 0.2559% | 5,505 |
| Pretax return on assets | 0.3970% | 5,263 |
| Return on Equity (ROE) | 2.4509% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.4509% | 3,670 |
| Net charge-offs to loans | 0.3253% | 3,224 |
| Credit loss provision to net charge-offs | 143.1416% | 3,695 |
| Earnings coverage of net charge-offs (x) | 2.7434% | 4,713 |
| Efficiency ratio | 79.6555% | 2,645 |
| Assets per employee ($millions) | 4.1642% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 4,415 |
| Loan loss allowance to noncurrent loans | 31.9972% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 3.4899% | 1,274 |
| Noncurrent loans to loans | 3.8003% | 1,309 |
| Net loans and leases to total assets | 90.7148% | 151 |
| Net loans and leases to deposits | 101.5082% | 1,639 |
| Net loans and leases to core deposits | 190.7937% | 216 |
| Total domestic deposits to total assets | 89.3670% | 891 |
| Equity capital to assets | 10.0434% | 3,984 |
| Core capital (leverage) ratio | 10.0816% | 3,370 |
| Tier 1 risk-based capital ratio | 10.6296% | 6,069 |
| Total risk-based capital ratio | 11.8454% | 6,009 |
| Memoranda: | ||
| Average total assets | $159,459,000 | 3,728 |
| Average earning assets | $153,048,000 | 3,596 |
| Average equity | $16,647,200 | 3,797 |
| Average total loans | $138,929,200 | 3,114 |