Home > Community Bank, Destin > Performance and Condition Ratios
Community Bank, Destin, Performance and Condition Ratios
| 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 | 2.2699% | 6,972 |
| Cost of funding earning assets | 0.2164% | 6,789 |
| Net interest margin | 2.0534% | 6,915 |
| Noninterest income to average assets | 0.0228% | 6,773 |
| Noninterest expense to average assets | 1.3416% | 6,936 |
| Loan and lease loss provision to assets | 0.1009% | 4,380 |
| Net operating income to assets | 0.1965% | 5,793 |
| Return on assets (ROA) | 0.1965% | 5,965 |
| Pretax return on assets | 0.3104% | 5,804 |
| Return on Equity (ROE) | 1.2135% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.2135% | 5,270 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4985% | 3,156 |
| Assets per employee ($millions) | 4.6155% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1483% | 6,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.6683% | 3,302 |
| Net loans and leases to deposits | 80.7755% | 2,181 |
| Net loans and leases to core deposits | 89.2897% | 1,924 |
| Total domestic deposits to total assets | 76.3453% | 6,315 |
| Equity capital to assets | 22.9447% | 127 |
| Core capital (leverage) ratio | 10.6689% | 2,577 |
| Tier 1 risk-based capital ratio | 16.3299% | 2,981 |
| Total risk-based capital ratio | 16.4915% | 3,532 |
| Memoranda: | ||
| Average total assets | $92,128,000 | 5,022 |
| Average earning assets | $77,625,600 | 5,200 |
| Average equity | $14,915,600 | 3,981 |
| Average total loans | $62,586,000 | 4,607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2211% | 7,147 |
| Cost of funding earning assets | 0.1200% | 7,088 |
| Net interest margin | 1.1011% | 7,136 |
| Noninterest income to average assets | -0.0208% | 6,974 |
| Noninterest expense to average assets | 0.7099% | 7,145 |
| Loan and lease loss provision to assets | 0.0549% | 5,055 |
| Net operating income to assets | 0.1010% | 6,130 |
| Return on assets (ROA) | 0.1010% | 6,273 |
| Pretax return on assets | 0.1545% | 6,194 |
| Return on Equity (ROE) | 0.7072% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.7072% | 5,872 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6058% | 2,735 |
| Assets per employee ($millions) | 4.8243% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0570% | 7,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 6,595 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 64.0108% | 3,027 |
| Net loans and leases to deposits | 83.5879% | 1,918 |
| Net loans and leases to core deposits | 92.0720% | 1,775 |
| Total domestic deposits to total assets | 76.5790% | 6,300 |
| Equity capital to assets | 22.8415% | 146 |
| Core capital (leverage) ratio | 9.1220% | 4,878 |
| Tier 1 risk-based capital ratio | 13.0302% | 5,216 |
| Total risk-based capital ratio | 13.0939% | 6,013 |
| Memoranda: | ||
| Average total assets | $89,775,000 | 5,149 |
| Average earning assets | $76,649,250 | 5,277 |
| Average equity | $12,820,000 | 4,439 |
| Average total loans | $62,554,750 | 4,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 1,455 |
| Cost of funding earning assets | 0.7402% | 3,687 |
| Net interest margin | 4.3806% | 1,255 |
| Noninterest income to average assets | 0.1606% | 6,383 |
| Noninterest expense to average assets | 3.3190% | 2,257 |
| Loan and lease loss provision to assets | 0.1396% | 3,770 |
| Net operating income to assets | 0.3778% | 5,314 |
| Return on assets (ROA) | 0.3794% | 5,534 |
| Pretax return on assets | 0.5749% | 5,229 |
| Return on Equity (ROE) | 3.4756% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.4756% | 4,280 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3326% | 1,842 |
| Assets per employee ($millions) | 4.1873% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 4,239 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 71.6287% | 1,623 |
| Net loans and leases to deposits | 80.8539% | 2,256 |
| Net loans and leases to core deposits | 88.9809% | 2,104 |
| Total domestic deposits to total assets | 88.5903% | 1,762 |
| Equity capital to assets | 10.7967% | 3,343 |
| Core capital (leverage) ratio | 8.4124% | 5,769 |
| Tier 1 risk-based capital ratio | 12.1729% | 5,818 |
| Total risk-based capital ratio | 13.4249% | 5,791 |
| Memoranda: | ||
| Average total assets | $85,929,670 | 5,277 |
| Average earning assets | $75,925,330 | 5,325 |
| Average equity | $9,379,670 | 5,189 |
| Average total loans | $61,777,330 | 4,716 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 1,437 |
| Cost of funding earning assets | 0.7780% | 3,640 |
| Net interest margin | 4.3695% | 1,292 |
| Noninterest income to average assets | 0.1507% | 6,486 |
| Noninterest expense to average assets | 3.4053% | 1,997 |
| Loan and lease loss provision to assets | 0.1413% | 3,588 |
| Net operating income to assets | 0.3077% | 5,637 |
| Return on assets (ROA) | 0.3109% | 5,789 |
| Pretax return on assets | 0.4710% | 5,522 |
| Return on Equity (ROE) | 2.8319% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.8319% | 4,834 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8592% | 1,591 |
| Assets per employee ($millions) | 4.1453% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,711 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 70.8516% | 1,603 |
| Net loans and leases to deposits | 79.8532% | 2,218 |
| Net loans and leases to core deposits | 87.6268% | 2,098 |
| Total domestic deposits to total assets | 88.7273% | 1,869 |
| Equity capital to assets | 10.7558% | 3,202 |
| Core capital (leverage) ratio | 8.5652% | 5,487 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,898 |
| Total risk-based capital ratio | 13.3449% | 5,875 |
| Memoranda: | ||
| Average total assets | $84,927,500 | 5,343 |
| Average earning assets | $75,066,000 | 5,396 |
| Average equity | $9,322,500 | 5,210 |
| Average total loans | $60,774,500 | 4,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 3,311 |
| Cost of funding earning assets | 1.1577% | 2,295 |
| Net interest margin | 3.7511% | 4,075 |
| Noninterest income to average assets | 0.2777% | 5,542 |
| Noninterest expense to average assets | 3.2406% | 2,723 |
| Loan and lease loss provision to assets | 0.1426% | 4,832 |
| Net operating income to assets | 0.1273% | 5,798 |
| Return on assets (ROA) | 0.1622% | 5,836 |
| Pretax return on assets | 0.2286% | 5,719 |
| Return on Equity (ROE) | 1.4702% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.4702% | 5,162 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9624% | 1,114 |
| Assets per employee ($millions) | 3.9430% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 4,897 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 70.4893% | 1,934 |
| Net loans and leases to deposits | 79.8249% | 2,553 |
| Net loans and leases to core deposits | 88.8645% | 2,266 |
| Total domestic deposits to total assets | 88.3049% | 1,964 |
| Equity capital to assets | 11.2096% | 2,784 |
| Core capital (leverage) ratio | 8.4861% | 5,582 |
| Tier 1 risk-based capital ratio | 12.4406% | 5,499 |
| Total risk-based capital ratio | 13.6911% | 5,477 |
| Memoranda: | ||
| Average total assets | $81,374,000 | 5,425 |
| Average earning assets | $71,260,000 | 5,498 |
| Average equity | $8,978,400 | 5,281 |
| Average total loans | $54,616,200 | 5,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 3,656 |
| Cost of funding earning assets | 1.2312% | 2,113 |
| Net interest margin | 3.6446% | 4,595 |
| Noninterest income to average assets | 0.3209% | 5,301 |
| Noninterest expense to average assets | 3.3046% | 2,482 |
| Loan and lease loss provision to assets | 0.0987% | 5,223 |
| Net operating income to assets | 0.0767% | 6,015 |
| Return on assets (ROA) | 0.1218% | 6,025 |
| Pretax return on assets | 0.1646% | 5,967 |
| Return on Equity (ROE) | 1.1082% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.1082% | 5,576 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2281% | 907 |
| Assets per employee ($millions) | 4.6695% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 5,050 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 64.2550% | 3,258 |
| Net loans and leases to deposits | 72.7779% | 3,837 |
| Net loans and leases to core deposits | 81.4892% | 3,409 |
| Total domestic deposits to total assets | 88.2893% | 1,879 |
| Equity capital to assets | 10.9898% | 3,156 |
| Core capital (leverage) ratio | 8.1124% | 6,265 |
| Tier 1 risk-based capital ratio | 12.8507% | 5,205 |
| Total risk-based capital ratio | 14.1011% | 5,181 |
| Memoranda: | ||
| Average total assets | $81,016,500 | 5,476 |
| Average earning assets | $70,825,250 | 5,556 |
| Average equity | $8,902,500 | 5,336 |
| Average total loans | $53,494,000 | 5,182 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 3,762 |
| Cost of funding earning assets | 1.3081% | 1,888 |
| Net interest margin | 3.5599% | 4,886 |
| Noninterest income to average assets | 0.3900% | 4,759 |
| Noninterest expense to average assets | 3.3598% | 2,371 |
| Loan and lease loss provision to assets | 0.1250% | 4,725 |
| Net operating income to assets | 0.0070% | 6,209 |
| Return on assets (ROA) | 0.0450% | 6,211 |
| Pretax return on assets | 0.0475% | 6,191 |
| Return on Equity (ROE) | 0.4095% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.4095% | 5,680 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2062% | 868 |
| Assets per employee ($millions) | 4.3471% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 5,139 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.3309% | 2,962 |
| Net loans and leases to deposits | 75.0113% | 3,646 |
| Net loans and leases to core deposits | 83.8514% | 3,236 |
| Total domestic deposits to total assets | 88.4279% | 1,905 |
| Equity capital to assets | 10.9171% | 3,040 |
| Core capital (leverage) ratio | 8.1080% | 6,155 |
| Tier 1 risk-based capital ratio | 12.2153% | 5,596 |
| Total risk-based capital ratio | 13.4658% | 5,579 |
| Memoranda: | ||
| Average total assets | $80,005,000 | 5,548 |
| Average earning assets | $69,720,670 | 5,639 |
| Average equity | $8,791,000 | 5,386 |
| Average total loans | $53,096,000 | 5,245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 3,924 |
| Cost of funding earning assets | 1.3940% | 1,636 |
| Net interest margin | 3.4324% | 5,293 |
| Noninterest income to average assets | 0.1575% | 6,593 |
| Noninterest expense to average assets | 3.3947% | 2,295 |
| Loan and lease loss provision to assets | 0.1474% | 4,167 |
| Net operating income to assets | -0.2643% | 6,625 |
| Return on assets (ROA) | -0.2643% | 6,639 |
| Pretax return on assets | -0.4066% | 6,692 |
| Return on Equity (ROE) | -2.3969% | 6,625 |
| Retained earnings to average equity (ytd only) | -2.3969% | 6,207 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2658% | 535 |
| Assets per employee ($millions) | 4.2241% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 4,290 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.3020% | 2,930 |
| Net loans and leases to deposits | 74.9401% | 3,602 |
| Net loans and leases to core deposits | 83.8328% | 3,186 |
| Total domestic deposits to total assets | 88.4733% | 2,098 |
| Equity capital to assets | 10.9810% | 2,708 |
| Core capital (leverage) ratio | 8.1023% | 6,126 |
| Tier 1 risk-based capital ratio | 12.3230% | 5,424 |
| Total risk-based capital ratio | 13.5733% | 5,414 |
| Memoranda: | ||
| Average total assets | $78,710,000 | 5,625 |
| Average earning assets | $68,290,500 | 5,728 |
| Average equity | $8,678,000 | 5,413 |
| Average total loans | $51,915,500 | 5,333 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 5,873 |
| Cost of funding earning assets | 1.6986% | 1,610 |
| Net interest margin | 2.9783% | 6,776 |
| Noninterest income to average assets | 0.2951% | 5,675 |
| Noninterest expense to average assets | 4.4930% | 656 |
| Loan and lease loss provision to assets | 0.3970% | 3,734 |
| Net operating income to assets | -1.3424% | 6,852 |
| Return on assets (ROA) | -1.3424% | 6,873 |
| Pretax return on assets | -2.0914% | 7,052 |
| Return on Equity (ROE) | -11.4508% | 6,791 |
| Retained earnings to average equity (ytd only) | -11.4508% | 6,735 |
| Net charge-offs to loans | 0.1014% | 5,849 |
| Credit loss provision to net charge-offs | 616.2791% | 346 |
| Earnings coverage of net charge-offs (x) | -26.3023% | 6,828 |
| Efficiency ratio | 160.5460% | 161 |
| Assets per employee ($millions) | 4.0612% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3945% | 4,251 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.9529% | 3,882 |
| Net loans and leases to deposits | 72.3832% | 4,447 |
| Net loans and leases to core deposits | 81.1711% | 4,029 |
| Total domestic deposits to total assets | 88.3532% | 2,039 |
| Equity capital to assets | 11.0714% | 2,625 |
| Core capital (leverage) ratio | 8.1211% | 5,969 |
| Tier 1 risk-based capital ratio | 11.4155% | 5,979 |
| Total risk-based capital ratio | 12.5919% | 6,044 |
| Memoranda: | ||
| Average total assets | $66,748,200 | 5,970 |
| Average earning assets | $56,105,200 | 6,129 |
| Average equity | $7,824,800 | 5,769 |
| Average total loans | $42,426,400 | 5,815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 6,313 |
| Cost of funding earning assets | 1.7217% | 1,761 |
| Net interest margin | 2.8870% | 7,024 |
| Noninterest income to average assets | 0.3450% | 5,408 |
| Noninterest expense to average assets | 4.7080% | 486 |
| Loan and lease loss provision to assets | 0.4635% | 3,154 |
| Net operating income to assets | -1.5506% | 7,120 |
| Return on assets (ROA) | -1.5506% | 7,130 |
| Pretax return on assets | -2.4215% | 7,304 |
| Return on Equity (ROE) | -13.0099% | 7,045 |
| Retained earnings to average equity (ytd only) | -13.0099% | 7,009 |
| Net charge-offs to loans | 0.1414% | 5,164 |
| Credit loss provision to net charge-offs | 518.6047% | 562 |
| Earnings coverage of net charge-offs (x) | -21.9077% | 6,647 |
| Efficiency ratio | 171.2018% | 133 |
| Assets per employee ($millions) | 3.8907% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 3,315 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 65.6264% | 3,772 |
| Net loans and leases to deposits | 74.2175% | 4,470 |
| Net loans and leases to core deposits | 82.6203% | 4,149 |
| Total domestic deposits to total assets | 88.4244% | 1,717 |
| Equity capital to assets | 10.8627% | 3,096 |
| Core capital (leverage) ratio | 8.0876% | 6,215 |
| Tier 1 risk-based capital ratio | 10.4630% | 6,801 |
| Total risk-based capital ratio | 11.5560% | 6,882 |
| Memoranda: | ||
| Average total assets | $64,144,500 | 6,130 |
| Average earning assets | $53,433,750 | 6,302 |
| Average equity | $7,645,250 | 5,899 |
| Average total loans | $40,540,750 | 5,982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 6,477 |
| Cost of funding earning assets | 1.7392% | 1,924 |
| Net interest margin | 2.8535% | 7,075 |
| Noninterest income to average assets | 0.4435% | 4,576 |
| Noninterest expense to average assets | 5.1376% | 344 |
| Loan and lease loss provision to assets | 0.6800% | 2,125 |
| Net operating income to assets | -1.9249% | 7,284 |
| Return on assets (ROA) | -1.9249% | 7,294 |
| Pretax return on assets | -3.0188% | 7,471 |
| Return on Equity (ROE) | -15.5913% | 7,159 |
| Retained earnings to average equity (ytd only) | -15.5913% | 7,121 |
| Net charge-offs to loans | -0.0478% | 7,442 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.5681% | 120 |
| Assets per employee ($millions) | 3.9505% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,719 |
| Loan loss allowance to noncurrent loans | 137.2768% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 2,912 |
| Noncurrent loans to loans | 1.1207% | 5,084 |
| Net loans and leases to total assets | 58.6066% | 5,312 |
| Net loans and leases to deposits | 66.4657% | 5,750 |
| Net loans and leases to core deposits | 74.0638% | 5,437 |
| Total domestic deposits to total assets | 88.1756% | 1,903 |
| Equity capital to assets | 11.2630% | 2,626 |
| Core capital (leverage) ratio | 8.0995% | 6,118 |
| Tier 1 risk-based capital ratio | 11.6376% | 5,638 |
| Total risk-based capital ratio | 12.8926% | 5,597 |
| Memoranda: | ||
| Average total assets | $60,885,000 | 6,268 |
| Average earning assets | $50,254,000 | 6,468 |
| Average equity | $7,517,000 | 5,961 |
| Average total loans | $37,690,330 | 6,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 6,349 |
| Cost of funding earning assets | 1.7007% | 2,385 |
| Net interest margin | 2.9677% | 6,900 |
| Noninterest income to average assets | 0.6927% | 2,649 |
| Noninterest expense to average assets | 6.2893% | 188 |
| Loan and lease loss provision to assets | 1.2122% | 1,004 |
| Net operating income to assets | -2.7983% | 7,610 |
| Return on assets (ROA) | -2.7983% | 7,612 |
| Pretax return on assets | -4.3915% | 7,716 |
| Return on Equity (ROE) | -21.5654% | 7,463 |
| Retained earnings to average equity (ytd only) | -21.5654% | 7,408 |
| Net charge-offs to loans | 0.1642% | 3,937 |
| Credit loss provision to net charge-offs | 1,166.6667% | 413 |
| Earnings coverage of net charge-offs (x) | -30.6000% | 5,587 |
| Efficiency ratio | 202.2272% | 95 |
| Assets per employee ($millions) | 3.9469% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 3,984 |
| Loan loss allowance to noncurrent loans | 124.7768% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 2,667 |
| Noncurrent loans to loans | 1.1904% | 4,981 |
| Net loans and leases to total assets | 58.7101% | 5,318 |
| Net loans and leases to deposits | 66.7579% | 5,739 |
| Net loans and leases to core deposits | 74.6116% | 5,434 |
| Total domestic deposits to total assets | 87.9448% | 2,099 |
| Equity capital to assets | 11.5564% | 2,321 |
| Core capital (leverage) ratio | 9.0731% | 4,432 |
| Tier 1 risk-based capital ratio | 12.0612% | 5,138 |
| Total risk-based capital ratio | 13.3131% | 5,097 |
| Memoranda: | ||
| Average total assets | $57,748,500 | 6,478 |
| Average earning assets | $47,040,500 | 6,666 |
| Average equity | $7,493,500 | 6,016 |
| Average total loans | $36,548,500 | 6,276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 7,186 |
| Cost of funding earning assets | 2.2779% | 1,737 |
| Net interest margin | 2.3932% | 7,518 |
| Noninterest income to average assets | 0.1800% | 6,801 |
| Noninterest expense to average assets | 6.4775% | 249 |
| Loan and lease loss provision to assets | 1.4067% | 1,632 |
| Net operating income to assets | -3.7451% | 7,563 |
| Return on assets (ROA) | -3.7413% | 7,566 |
| Pretax return on assets | -5.8088% | 7,786 |
| Return on Equity (ROE) | -21.7471% | 7,200 |
| Retained earnings to average equity (ytd only) | -21.7471% | 7,170 |
| Net charge-offs to loans | 2.5396% | 903 |
| Credit loss provision to net charge-offs | 93.4297% | 5,875 |
| Earnings coverage of net charge-offs (x) | -2.9277% | 7,046 |
| Efficiency ratio | 313.0019% | 63 |
| Assets per employee ($millions) | 3.0792% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 5,778 |
| Loan loss allowance to noncurrent loans | 72.8102% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 4.6154% | 1,387 |
| Noncurrent loans to loans | 1.5453% | 4,337 |
| Net loans and leases to total assets | 66.9832% | 3,930 |
| Net loans and leases to deposits | 78.9761% | 4,175 |
| Net loans and leases to core deposits | 113.6601% | 2,537 |
| Total domestic deposits to total assets | 84.8145% | 3,642 |
| Equity capital to assets | 14.6888% | 977 |
| Core capital (leverage) ratio | 11.2315% | 2,082 |
| Tier 1 risk-based capital ratio | 13.2885% | 3,953 |
| Total risk-based capital ratio | 14.2307% | 4,103 |
| Memoranda: | ||
| Average total assets | $50,544,200 | 6,685 |
| Average earning assets | $39,904,800 | 6,943 |
| Average equity | $8,695,400 | 5,703 |
| Average total loans | $29,965,000 | 6,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 7,525 |
| Cost of funding earning assets | 2.3956% | 1,650 |
| Net interest margin | 2.0886% | 7,777 |
| Noninterest income to average assets | 0.1411% | 7,173 |
| Noninterest expense to average assets | 6.2548% | 281 |
| Loan and lease loss provision to assets | 0.5616% | 3,141 |
| Net operating income to assets | -3.2524% | 7,640 |
| Return on assets (ROA) | -3.2472% | 7,642 |
| Pretax return on assets | -5.0198% | 7,814 |
| Return on Equity (ROE) | -18.1807% | 7,313 |
| Retained earnings to average equity (ytd only) | -18.1807% | 7,277 |
| Net charge-offs to loans | 0.9980% | 1,976 |
| Credit loss provision to net charge-offs | 98.5981% | 5,192 |
| Earnings coverage of net charge-offs (x) | -7.8410% | 6,887 |
| Efficiency ratio | 349.7024% | 52 |
| Assets per employee ($millions) | 3.0790% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 4,939 |
| Loan loss allowance to noncurrent loans | 29.4779% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 7.0134% | 687 |
| Noncurrent loans to loans | 4.1813% | 1,729 |
| Net loans and leases to total assets | 68.2785% | 3,893 |
| Net loans and leases to deposits | 82.0285% | 4,018 |
| Net loans and leases to core deposits | 109.0801% | 3,341 |
| Total domestic deposits to total assets | 83.2375% | 4,093 |
| Equity capital to assets | 15.9410% | 799 |
| Core capital (leverage) ratio | 13.2581% | 1,302 |
| Tier 1 risk-based capital ratio | 15.1988% | 2,952 |
| Total risk-based capital ratio | 16.2162% | 2,993 |
| Memoranda: | ||
| Average total assets | $50,093,750 | 6,754 |
| Average earning assets | $39,515,000 | 7,016 |
| Average equity | $8,947,000 | 5,672 |
| Average total loans | $28,590,750 | 6,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 7,764 |
| Cost of funding earning assets | 2.4789% | 1,689 |
| Net interest margin | 1.8450% | 7,927 |
| Noninterest income to average assets | 0.1378% | 7,270 |
| Noninterest expense to average assets | 6.3959% | 277 |
| Loan and lease loss provision to assets | 0.4053% | 3,496 |
| Net operating income to assets | -3.3601% | 7,735 |
| Return on assets (ROA) | -3.3601% | 7,739 |
| Pretax return on assets | -5.2124% | 7,887 |
| Return on Equity (ROE) | -18.1242% | 7,458 |
| Retained earnings to average equity (ytd only) | -18.1242% | 7,396 |
| Net charge-offs to loans | 1.6424% | 1,151 |
| Credit loss provision to net charge-offs | 46.7290% | 5,806 |
| Earnings coverage of net charge-offs (x) | -5.5421% | 6,470 |
| Efficiency ratio | 402.5510% | 56 |
| Assets per employee ($millions) | 2.9978% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,061 |
| Loan loss allowance to noncurrent loans | 31.5146% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 7.1189% | 585 |
| Noncurrent loans to loans | 3.7522% | 1,845 |
| Net loans and leases to total assets | 54.9320% | 6,343 |
| Net loans and leases to deposits | 66.9257% | 6,302 |
| Net loans and leases to core deposits | 90.5284% | 5,493 |
| Total domestic deposits to total assets | 82.0792% | 4,655 |
| Equity capital to assets | 17.1320% | 645 |
| Core capital (leverage) ratio | 15.0705% | 906 |
| Tier 1 risk-based capital ratio | 18.7111% | 1,836 |
| Total risk-based capital ratio | 19.5754% | 1,875 |
| Memoranda: | ||
| Average total assets | $49,344,000 | 6,859 |
| Average earning assets | $38,807,670 | 7,100 |
| Average equity | $9,148,000 | 5,633 |
| Average total loans | $26,059,330 | 6,963 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 7,744 |
| Cost of funding earning assets | 2.4822% | 1,981 |
| Net interest margin | 1.9900% | 7,899 |
| Noninterest income to average assets | 0.1401% | 7,297 |
| Noninterest expense to average assets | 6.6674% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.2801% | 7,885 |
| Return on assets (ROA) | -3.2801% | 7,889 |
| Pretax return on assets | -4.9614% | 7,982 |
| Return on Equity (ROE) | -17.0149% | 7,675 |
| Retained earnings to average equity (ytd only) | -17.0149% | 7,535 |
| Net charge-offs to loans | 3.4344% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.8131% | 5,511 |
| Efficiency ratio | 390.8213% | 57 |
| Assets per employee ($millions) | 2.6815% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 6,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.0345% | 895 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 50.6909% | 6,795 |
| Net loans and leases to deposits | 62.2313% | 6,719 |
| Net loans and leases to core deposits | 77.5649% | 6,564 |
| Total domestic deposits to total assets | 81.4556% | 4,766 |
| Equity capital to assets | 17.9732% | 604 |
| Core capital (leverage) ratio | 19.0168% | 448 |
| Tier 1 risk-based capital ratio | 19.1298% | 1,782 |
| Total risk-based capital ratio | 19.6230% | 1,923 |
| Memoranda: | ||
| Average total assets | $48,534,500 | 6,925 |
| Average earning assets | $38,191,500 | 7,162 |
| Average equity | $9,356,500 | 5,579 |
| Average total loans | $24,924,000 | 7,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 7,627 |
| Cost of funding earning assets | 3.0561% | 1,655 |
| Net interest margin | 2.2187% | 7,951 |
| Noninterest income to average assets | 0.1578% | 7,295 |
| Noninterest expense to average assets | 5.7321% | 458 |
| Loan and lease loss provision to assets | 1.2301% | 1,165 |
| Net operating income to assets | -3.3195% | 7,884 |
| Return on assets (ROA) | -3.3195% | 7,867 |
| Pretax return on assets | -5.0256% | 8,030 |
| Return on Equity (ROE) | -12.8866% | 7,489 |
| Retained earnings to average equity (ytd only) | -12.8866% | 7,321 |
| Net charge-offs to loans | 1.2540% | 955 |
| Credit loss provision to net charge-offs | 183.8951% | 2,705 |
| Earnings coverage of net charge-offs (x) | -5.6742% | 6,848 |
| Efficiency ratio | 295.9897% | 103 |
| Assets per employee ($millions) | 3.0747% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 1,451 |
| Loan loss allowance to noncurrent loans | 124.7222% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 6.1187% | 479 |
| Noncurrent loans to loans | 1.5134% | 3,521 |
| Net loans and leases to total assets | 50.6017% | 6,974 |
| Net loans and leases to deposits | 64.1577% | 6,781 |
| Net loans and leases to core deposits | 76.7723% | 6,811 |
| Total domestic deposits to total assets | 78.8708% | 5,419 |
| Equity capital to assets | 20.7194% | 424 |
| Core capital (leverage) ratio | 22.1706% | 333 |
| Tier 1 risk-based capital ratio | 27.5629% | 789 |
| Total risk-based capital ratio | 28.8145% | 770 |
| Memoranda: | ||
| Average total assets | $39,915,600 | 7,217 |
| Average earning assets | $32,001,200 | 7,406 |
| Average equity | $10,282,000 | 5,324 |
| Average total loans | $21,292,000 | 7,240 |