Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4458% | 40 |
| Cost of funding earning assets | 1.2943% | 125 |
| Net interest margin | 7.1515% | 50 |
| Noninterest income to average assets | -1.1241% | 6,886 |
| Noninterest expense to average assets | 12.3350% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -6.7447% | 6,885 |
| Return on assets (ROA) | -10.5426% | 6,888 |
| Pretax return on assets | -10.5426% | 6,888 |
| Return on Equity (ROE) | -18.2060% | 6,763 |
| Retained earnings to average equity (ytd only) | -18.2060% | 6,745 |
| Net charge-offs to loans | 0.8154% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -8.2219% | 5,154 |
| Efficiency ratio | 220.6522% | 26 |
| Assets per employee ($millions) | 0.2120% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,897 |
| Equity capital to assets | -11.7925% | 6,891 |
| Core capital (leverage) ratio | -11.7925% | 6,891 |
| Tier 1 risk-based capital ratio | -192.3077% | 6,891 |
| Total risk-based capital ratio | -192.3077% | 6,891 |
| Memoranda: | ||
| Average total assets | $4,388,500 | 6,896 |
| Average earning assets | $4,120,250 | 6,883 |
| Average equity | $2,541,250 | 6,696 |
| Average total loans | $4,415,000 | 6,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5042% | 30 |
| Cost of funding earning assets | 1.2745% | 162 |
| Net interest margin | 8.2297% | 33 |
| Noninterest income to average assets | -1.2801% | 6,932 |
| Noninterest expense to average assets | 13.3549% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -6.8158% | 6,931 |
| Return on assets (ROA) | -11.1406% | 6,938 |
| Pretax return on assets | -11.1406% | 6,938 |
| Return on Equity (ROE) | -18.9597% | 6,821 |
| Retained earnings to average equity (ytd only) | -18.9597% | 6,795 |
| Net charge-offs to loans | 0.9173% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -7.2963% | 4,846 |
| Efficiency ratio | 204.2328% | 30 |
| Assets per employee ($millions) | 0.1185% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,948 |
| Equity capital to assets | 0.0000% | 6,937 |
| Core capital (leverage) ratio | 0.0000% | 6,939 |
| Tier 1 risk-based capital ratio | 0.0000% | 6,938 |
| Total risk-based capital ratio | 0.0000% | 6,938 |
| Memoranda: | ||
| Average total assets | $5,780,670 | 6,940 |
| Average earning assets | $5,492,330 | 6,925 |
| Average equity | $3,396,670 | 6,580 |
| Average total loans | $5,886,670 | 6,836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 178 |
| Cost of funding earning assets | 0.9227% | 882 |
| Net interest margin | 5.0507% | 267 |
| Noninterest income to average assets | -1.7305% | 7,013 |
| Noninterest expense to average assets | 12.8150% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -9.6814% | 7,013 |
| Return on assets (ROA) | -15.5276% | 7,015 |
| Pretax return on assets | -15.5276% | 7,015 |
| Return on Equity (ROE) | -26.0648% | 6,923 |
| Retained earnings to average equity (ytd only) | -26.0648% | 6,881 |
| Net charge-offs to loans | 1.2231% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -7.6667% | 4,092 |
| Efficiency ratio | 408.9552% | 11 |
| Assets per employee ($millions) | 2.3467% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2055% | 13 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 93.7358% | 9 |
| Net loans and leases to deposits | 1,155.6918% | 7 |
| Net loans and leases to core deposits | 1,155.6918% | 18 |
| Total domestic deposits to total assets | 8.1108% | 6,994 |
| Equity capital to assets | 70.0142% | 33 |
| Core capital (leverage) ratio | 70.0142% | 27 |
| Tier 1 risk-based capital ratio | 72.3576% | 72 |
| Total risk-based capital ratio | 73.7228% | 72 |
| Memoranda: | ||
| Average total assets | $8,552,500 | 7,013 |
| Average earning assets | $8,236,500 | 6,998 |
| Average equity | $5,095,000 | 6,221 |
| Average total loans | $8,830,000 | 6,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8862% | 320 |
| Cost of funding earning assets | 0.5977% | 4,381 |
| Net interest margin | 5.2886% | 235 |
| Noninterest income to average assets | 0.8002% | 2,264 |
| Noninterest expense to average assets | 10.5856% | 73 |
| Loan and lease loss provision to assets | 0.4954% | 1,212 |
| Net operating income to assets | -5.1556% | 7,062 |
| Return on assets (ROA) | -4.7555% | 7,054 |
| Pretax return on assets | -4.7555% | 7,055 |
| Return on Equity (ROE) | -20.7599% | 6,891 |
| Retained earnings to average equity (ytd only) | -20.7599% | 6,862 |
| Net charge-offs to loans | 0.5158% | 2,181 |
| Credit loss provision to net charge-offs | 134.0206% | 2,089 |
| Earnings coverage of net charge-offs (x) | -12.6082% | 5,950 |
| Efficiency ratio | 178.6495% | 56 |
| Assets per employee ($millions) | 2.0130% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5356% | 35 |
| Loan loss allowance to noncurrent loans | 3,237.5000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 5,955 |
| Noncurrent loans to loans | 0.2328% | 5,898 |
| Net loans and leases to total assets | 94.7243% | 5 |
| Net loans and leases to deposits | 1,663.8743% | 7 |
| Net loans and leases to core deposits | 1,663.8743% | 19 |
| Total domestic deposits to total assets | 5.6930% | 7,060 |
| Equity capital to assets | 52.2702% | 40 |
| Core capital (leverage) ratio | 52.2702% | 37 |
| Tier 1 risk-based capital ratio | 54.0366% | 122 |
| Total risk-based capital ratio | 55.3718% | 120 |
| Memoranda: | ||
| Average total assets | $26,243,200 | 6,835 |
| Average earning assets | $25,432,200 | 6,770 |
| Average equity | $6,011,600 | 6,024 |
| Average total loans | $18,804,200 | 6,475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 331 |
| Cost of funding earning assets | 0.5727% | 4,886 |
| Net interest margin | 5.3310% | 230 |
| Noninterest income to average assets | 1.2678% | 919 |
| Noninterest expense to average assets | 9.9752% | 82 |
| Loan and lease loss provision to assets | 0.5723% | 1,003 |
| Net operating income to assets | -4.1160% | 7,144 |
| Return on assets (ROA) | -3.3324% | 7,123 |
| Pretax return on assets | -3.3324% | 7,120 |
| Return on Equity (ROE) | -16.2812% | 6,946 |
| Retained earnings to average equity (ytd only) | -16.2812% | 6,925 |
| Net charge-offs to loans | 0.6180% | 1,785 |
| Credit loss provision to net charge-offs | 134.0206% | 2,150 |
| Earnings coverage of net charge-offs (x) | -8.2990% | 5,737 |
| Efficiency ratio | 155.0992% | 78 |
| Assets per employee ($millions) | 1.9870% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8806% | 69 |
| Loan loss allowance to noncurrent loans | 3,237.5000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 6,272 |
| Noncurrent loans to loans | 0.1816% | 6,154 |
| Net loans and leases to total assets | 89.4097% | 62 |
| Net loans and leases to deposits | 197.1777% | 16 |
| Net loans and leases to core deposits | 197.1777% | 54 |
| Total domestic deposits to total assets | 45.3447% | 7,123 |
| Equity capital to assets | 41.3545% | 43 |
| Core capital (leverage) ratio | 41.3545% | 42 |
| Tier 1 risk-based capital ratio | 41.5667% | 214 |
| Total risk-based capital ratio | 42.8675% | 211 |
| Memoranda: | ||
| Average total assets | $30,287,750 | 6,835 |
| Average earning assets | $29,337,000 | 6,767 |
| Average equity | $6,199,250 | 6,035 |
| Average total loans | $20,927,500 | 6,467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 1,104 |
| Cost of funding earning assets | 0.5543% | 5,273 |
| Net interest margin | 4.7173% | 649 |
| Noninterest income to average assets | 1.6561% | 542 |
| Noninterest expense to average assets | 8.4985% | 105 |
| Loan and lease loss provision to assets | 0.8504% | 574 |
| Net operating income to assets | -3.1219% | 7,160 |
| Return on assets (ROA) | -2.1260% | 7,093 |
| Pretax return on assets | -2.1260% | 7,083 |
| Return on Equity (ROE) | -11.9717% | 6,940 |
| Retained earnings to average equity (ytd only) | -11.9717% | 6,885 |
| Net charge-offs to loans | 1.0128% | 1,094 |
| Credit loss provision to net charge-offs | 127.7311% | 2,155 |
| Earnings coverage of net charge-offs (x) | -3.4118% | 5,421 |
| Efficiency ratio | 136.4780% | 135 |
| Assets per employee ($millions) | 2.4916% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7313% | 414 |
| Loan loss allowance to noncurrent loans | 46.2775% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 8.4444% | 391 |
| Noncurrent loans to loans | 8.0628% | 426 |
| Net loans and leases to total assets | 80.4583% | 456 |
| Net loans and leases to deposits | 106.8433% | 209 |
| Net loans and leases to core deposits | 106.8433% | 708 |
| Total domestic deposits to total assets | 75.3050% | 6,556 |
| Equity capital to assets | 24.5987% | 105 |
| Core capital (leverage) ratio | 24.5987% | 100 |
| Tier 1 risk-based capital ratio | 36.0466% | 318 |
| Total risk-based capital ratio | 37.3405% | 314 |
| Memoranda: | ||
| Average total assets | $35,747,330 | 6,747 |
| Average earning assets | $34,638,670 | 6,667 |
| Average equity | $6,348,330 | 6,026 |
| Average total loans | $23,499,000 | 6,392 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 847 |
| Cost of funding earning assets | 0.5892% | 5,219 |
| Net interest margin | 4.8538% | 504 |
| Noninterest income to average assets | 1.9824% | 419 |
| Noninterest expense to average assets | 7.7254% | 120 |
| Loan and lease loss provision to assets | 0.0486% | 4,799 |
| Net operating income to assets | -1.0689% | 7,008 |
| Return on assets (ROA) | -0.9912% | 7,013 |
| Pretax return on assets | -0.9912% | 6,978 |
| Return on Equity (ROE) | -6.3177% | 6,898 |
| Retained earnings to average equity (ytd only) | -6.3177% | 6,678 |
| Net charge-offs to loans | 1.1757% | 872 |
| Credit loss provision to net charge-offs | 6.8493% | 3,934 |
| Earnings coverage of net charge-offs (x) | -1.4384% | 4,589 |
| Efficiency ratio | 115.2174% | 269 |
| Assets per employee ($millions) | 1.6430% | 7,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8430% | 968 |
| Loan loss allowance to noncurrent loans | 36.7991% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 6.0588% | 773 |
| Noncurrent loans to loans | 7.7256% | 521 |
| Net loans and leases to total assets | 63.9130% | 2,864 |
| Net loans and leases to deposits | 77.9814% | 2,512 |
| Net loans and leases to core deposits | 77.9814% | 3,323 |
| Total domestic deposits to total assets | 81.9593% | 5,312 |
| Equity capital to assets | 17.7253% | 357 |
| Core capital (leverage) ratio | 17.7253% | 311 |
| Tier 1 risk-based capital ratio | 32.5658% | 407 |
| Total risk-based capital ratio | 33.8416% | 399 |
| Memoranda: | ||
| Average total assets | $41,163,000 | 6,640 |
| Average earning assets | $40,051,500 | 6,522 |
| Average equity | $6,458,000 | 6,024 |
| Average total loans | $24,836,500 | 6,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 5,640 |
| Cost of funding earning assets | 0.8172% | 4,730 |
| Net interest margin | 3.5201% | 5,072 |
| Noninterest income to average assets | 2.0033% | 376 |
| Noninterest expense to average assets | 7.3009% | 128 |
| Loan and lease loss provision to assets | 0.1948% | 4,233 |
| Net operating income to assets | -2.0761% | 7,039 |
| Return on assets (ROA) | -2.0761% | 7,050 |
| Pretax return on assets | -2.0761% | 7,042 |
| Return on Equity (ROE) | -14.6981% | 6,884 |
| Retained earnings to average equity (ytd only) | -14.6981% | 6,862 |
| Net charge-offs to loans | 0.3084% | 3,857 |
| Credit loss provision to net charge-offs | 103.1250% | 3,355 |
| Earnings coverage of net charge-offs (x) | -9.9583% | 6,399 |
| Efficiency ratio | 134.7131% | 205 |
| Assets per employee ($millions) | 1.6493% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8731% | 910 |
| Loan loss allowance to noncurrent loans | 45.1183% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 4.4955% | 1,224 |
| Noncurrent loans to loans | 6.3680% | 752 |
| Net loans and leases to total assets | 54.4630% | 4,960 |
| Net loans and leases to deposits | 63.6815% | 5,049 |
| Net loans and leases to core deposits | 64.0888% | 5,454 |
| Total domestic deposits to total assets | 85.5240% | 3,581 |
| Equity capital to assets | 14.0948% | 1,030 |
| Core capital (leverage) ratio | 14.0948% | 802 |
| Tier 1 risk-based capital ratio | 29.7513% | 527 |
| Total risk-based capital ratio | 31.0266% | 518 |
| Memoranda: | ||
| Average total assets | $50,815,800 | 6,342 |
| Average earning assets | $49,317,000 | 6,224 |
| Average equity | $7,177,800 | 5,818 |
| Average total loans | $31,130,800 | 6,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 5,308 |
| Cost of funding earning assets | 0.8443% | 4,813 |
| Net interest margin | 3.6365% | 4,634 |
| Noninterest income to average assets | 2.1831% | 333 |
| Noninterest expense to average assets | 7.5394% | 117 |
| Loan and lease loss provision to assets | -0.0436% | 7,327 |
| Net operating income to assets | -1.7880% | 7,098 |
| Return on assets (ROA) | -1.7880% | 7,111 |
| Pretax return on assets | -1.7880% | 7,077 |
| Return on Equity (ROE) | -12.6523% | 6,963 |
| Retained earnings to average equity (ytd only) | -12.6523% | 6,936 |
| Net charge-offs to loans | -0.0699% | 7,114 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0899% | 219 |
| Assets per employee ($millions) | 1.7260% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5073% | 1,390 |
| Loan loss allowance to noncurrent loans | 39.9676% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 5.0531% | 1,135 |
| Noncurrent loans to loans | 6.2733% | 863 |
| Net loans and leases to total assets | 59.6209% | 4,205 |
| Net loans and leases to deposits | 70.1217% | 4,281 |
| Net loans and leases to core deposits | 70.1217% | 4,937 |
| Total domestic deposits to total assets | 85.0249% | 3,761 |
| Equity capital to assets | 14.2094% | 1,082 |
| Core capital (leverage) ratio | 14.2094% | 843 |
| Tier 1 risk-based capital ratio | 25.7751% | 855 |
| Total risk-based capital ratio | 27.0438% | 836 |
| Memoranda: | ||
| Average total assets | $51,974,750 | 6,359 |
| Average earning assets | $50,377,250 | 6,231 |
| Average equity | $7,345,000 | 5,802 |
| Average total loans | $32,439,750 | 6,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 5,240 |
| Cost of funding earning assets | 0.8769% | 4,849 |
| Net interest margin | 3.6591% | 4,477 |
| Noninterest income to average assets | 2.6960% | 243 |
| Noninterest expense to average assets | 7.0050% | 141 |
| Loan and lease loss provision to assets | -0.0639% | 7,408 |
| Net operating income to assets | -0.6994% | 6,817 |
| Return on assets (ROA) | -0.6994% | 6,824 |
| Pretax return on assets | -0.6994% | 6,770 |
| Return on Equity (ROE) | -4.9571% | 6,711 |
| Retained earnings to average equity (ytd only) | -4.9571% | 6,563 |
| Net charge-offs to loans | 0.0778% | 4,861 |
| Credit loss provision to net charge-offs | -130.7692% | 6,335 |
| Earnings coverage of net charge-offs (x) | -15.6154% | 5,838 |
| Efficiency ratio | 112.2289% | 439 |
| Assets per employee ($millions) | 1.3519% | 7,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 2,408 |
| Loan loss allowance to noncurrent loans | 52.9851% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.8545% | 1,677 |
| Noncurrent loans to loans | 3.7495% | 1,871 |
| Net loans and leases to total assets | 71.9704% | 1,790 |
| Net loans and leases to deposits | 85.3634% | 1,884 |
| Net loans and leases to core deposits | 85.3634% | 3,018 |
| Total domestic deposits to total assets | 84.3107% | 4,212 |
| Equity capital to assets | 15.1592% | 779 |
| Core capital (leverage) ratio | 15.1592% | 640 |
| Tier 1 risk-based capital ratio | 23.5388% | 1,055 |
| Total risk-based capital ratio | 24.8022% | 1,041 |
| Memoranda: | ||
| Average total assets | $53,190,670 | 6,362 |
| Average earning assets | $51,543,000 | 6,235 |
| Average equity | $7,504,330 | 5,767 |
| Average total loans | $33,401,670 | 6,112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 5,859 |
| Cost of funding earning assets | 0.9160% | 4,807 |
| Net interest margin | 3.4330% | 5,291 |
| Noninterest income to average assets | 2.9215% | 230 |
| Noninterest expense to average assets | 6.5860% | 166 |
| Loan and lease loss provision to assets | -0.1226% | 7,491 |
| Net operating income to assets | -0.2164% | 6,582 |
| Return on assets (ROA) | -0.2164% | 6,596 |
| Pretax return on assets | -0.2164% | 6,553 |
| Return on Equity (ROE) | -1.5857% | 6,547 |
| Retained earnings to average equity (ytd only) | -1.5857% | 6,087 |
| Net charge-offs to loans | 0.1613% | 3,519 |
| Credit loss provision to net charge-offs | -130.7692% | 5,754 |
| Earnings coverage of net charge-offs (x) | -3.6154% | 5,001 |
| Efficiency ratio | 105.4273% | 589 |
| Assets per employee ($millions) | 0.6515% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 1,567 |
| Loan loss allowance to noncurrent loans | 105.3412% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 2.4408% | 2,784 |
| Noncurrent loans to loans | 2.3059% | 3,185 |
| Net loans and leases to total assets | 54.0440% | 5,298 |
| Net loans and leases to deposits | 63.4178% | 5,335 |
| Net loans and leases to core deposits | 63.4178% | 5,789 |
| Total domestic deposits to total assets | 85.2189% | 3,939 |
| Equity capital to assets | 14.2771% | 935 |
| Core capital (leverage) ratio | 14.2771% | 784 |
| Tier 1 risk-based capital ratio | 32.3209% | 423 |
| Total risk-based capital ratio | 33.5950% | 416 |
| Memoranda: | ||
| Average total assets | $55,451,000 | 6,327 |
| Average earning assets | $53,714,000 | 6,206 |
| Average equity | $7,567,500 | 5,754 |
| Average total loans | $32,233,500 | 6,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 4,917 |
| Cost of funding earning assets | 0.9827% | 5,770 |
| Net interest margin | 3.9381% | 3,309 |
| Noninterest income to average assets | 2.2699% | 322 |
| Noninterest expense to average assets | 6.0795% | 225 |
| Loan and lease loss provision to assets | 0.6341% | 2,598 |
| Net operating income to assets | -0.6289% | 6,469 |
| Return on assets (ROA) | -0.6289% | 6,498 |
| Pretax return on assets | -0.6289% | 6,418 |
| Return on Equity (ROE) | -4.6105% | 6,402 |
| Retained earnings to average equity (ytd only) | -4.6105% | 6,260 |
| Net charge-offs to loans | 0.9085% | 2,373 |
| Credit loss provision to net charge-offs | 101.0959% | 4,492 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 6,118 |
| Efficiency ratio | 99.9153% | 780 |
| Assets per employee ($millions) | 0.5536% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 2,071 |
| Loan loss allowance to noncurrent loans | 141.7625% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 2.3240% | 2,942 |
| Noncurrent loans to loans | 1.4814% | 4,259 |
| Net loans and leases to total assets | 59.3443% | 4,781 |
| Net loans and leases to deposits | 68.7170% | 5,002 |
| Net loans and leases to core deposits | 68.7170% | 5,582 |
| Total domestic deposits to total assets | 86.3604% | 3,158 |
| Equity capital to assets | 13.0754% | 1,360 |
| Core capital (leverage) ratio | 13.0754% | 1,102 |
| Tier 1 risk-based capital ratio | 27.7642% | 628 |
| Total risk-based capital ratio | 29.0317% | 611 |
| Memoranda: | ||
| Average total assets | $58,195,600 | 6,268 |
| Average earning assets | $56,372,800 | 6,124 |
| Average equity | $7,938,400 | 5,733 |
| Average total loans | $40,175,400 | 5,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 4,468 |
| Cost of funding earning assets | 0.9714% | 6,072 |
| Net interest margin | 4.1006% | 2,618 |
| Noninterest income to average assets | 1.1750% | 1,008 |
| Noninterest expense to average assets | 4.5465% | 563 |
| Loan and lease loss provision to assets | 0.4879% | 3,030 |
| Net operating income to assets | 0.1145% | 5,735 |
| Return on assets (ROA) | 0.1145% | 5,894 |
| Pretax return on assets | 0.1145% | 5,892 |
| Return on Equity (ROE) | 0.8310% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.8310% | 5,475 |
| Net charge-offs to loans | 0.6375% | 2,835 |
| Credit loss provision to net charge-offs | 107.5758% | 3,965 |
| Earnings coverage of net charge-offs (x) | 1.3283% | 4,750 |
| Efficiency ratio | 88.3007% | 1,433 |
| Assets per employee ($millions) | 0.7285% | 7,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,540 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 2.1292% | 3,292 |
| Noncurrent loans to loans | 0.8234% | 5,571 |
| Net loans and leases to total assets | 65.6249% | 3,774 |
| Net loans and leases to deposits | 76.0760% | 4,166 |
| Net loans and leases to core deposits | 76.0760% | 5,045 |
| Total domestic deposits to total assets | 86.2624% | 2,940 |
| Equity capital to assets | 13.4196% | 1,382 |
| Core capital (leverage) ratio | 13.4196% | 1,084 |
| Tier 1 risk-based capital ratio | 25.8530% | 784 |
| Total risk-based capital ratio | 27.1042% | 773 |
| Memoranda: | ||
| Average total assets | $58,211,500 | 6,340 |
| Average earning assets | $56,413,500 | 6,186 |
| Average equity | $8,022,750 | 5,784 |
| Average total loans | $41,409,750 | 5,949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 3,853 |
| Cost of funding earning assets | 0.9682% | 6,299 |
| Net interest margin | 4.2517% | 1,957 |
| Noninterest income to average assets | 0.9705% | 1,457 |
| Noninterest expense to average assets | 4.1697% | 845 |
| Loan and lease loss provision to assets | 0.5754% | 2,468 |
| Net operating income to assets | 0.3501% | 4,975 |
| Return on assets (ROA) | 0.3501% | 5,140 |
| Pretax return on assets | 0.3501% | 5,370 |
| Return on Equity (ROE) | 2.5172% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.5172% | 4,554 |
| Net charge-offs to loans | 0.9452% | 1,948 |
| Credit loss provision to net charge-offs | 83.8384% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 4,477 |
| Efficiency ratio | 81.8367% | 2,192 |
| Assets per employee ($millions) | 0.8058% | 7,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,825 |
| Loan loss allowance to noncurrent loans | 92.8854% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 3.0301% | 2,354 |
| Noncurrent loans to loans | 1.6343% | 4,258 |
| Net loans and leases to total assets | 78.8342% | 989 |
| Net loans and leases to deposits | 91.9320% | 1,543 |
| Net loans and leases to core deposits | 91.9320% | 3,002 |
| Total domestic deposits to total assets | 85.7527% | 3,233 |
| Equity capital to assets | 13.9060% | 1,202 |
| Core capital (leverage) ratio | 13.9060% | 945 |
| Tier 1 risk-based capital ratio | 22.0034% | 1,202 |
| Total risk-based capital ratio | 23.2525% | 1,176 |
| Memoranda: | ||
| Average total assets | $57,701,670 | 6,401 |
| Average earning assets | $55,977,330 | 6,244 |
| Average equity | $8,024,670 | 5,793 |
| Average total loans | $41,894,000 | 5,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 5,854 |
| Cost of funding earning assets | 0.9924% | 6,412 |
| Net interest margin | 3.8195% | 3,710 |
| Noninterest income to average assets | 0.8342% | 1,869 |
| Noninterest expense to average assets | 4.0456% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5074% | 4,355 |
| Return on assets (ROA) | 0.5074% | 4,497 |
| Pretax return on assets | 0.5074% | 4,934 |
| Return on Equity (ROE) | 3.6486% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.6486% | 3,962 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8550% | 1,515 |
| Assets per employee ($millions) | 1.3168% | 7,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 2,339 |
| Loan loss allowance to noncurrent loans | 55.0746% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.8979% | 2,473 |
| Noncurrent loans to loans | 3.5204% | 2,263 |
| Net loans and leases to total assets | 64.4240% | 4,239 |
| Net loans and leases to deposits | 75.1056% | 4,559 |
| Net loans and leases to core deposits | 75.1056% | 5,373 |
| Total domestic deposits to total assets | 85.7779% | 3,272 |
| Equity capital to assets | 13.8769% | 1,179 |
| Core capital (leverage) ratio | 13.8769% | 986 |
| Tier 1 risk-based capital ratio | 24.2996% | 935 |
| Total risk-based capital ratio | 25.5508% | 915 |
| Memoranda: | ||
| Average total assets | $57,543,500 | 6,484 |
| Average earning assets | $56,028,500 | 6,326 |
| Average equity | $8,003,000 | 5,845 |
| Average total loans | $39,619,500 | 6,140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 6,825 |
| Cost of funding earning assets | 1.6308% | 4,885 |
| Net interest margin | 3.2237% | 6,015 |
| Noninterest income to average assets | 1.2421% | 976 |
| Noninterest expense to average assets | 4.3009% | 987 |
| Loan and lease loss provision to assets | 1.0744% | 2,134 |
| Net operating income to assets | -1.0246% | 6,587 |
| Return on assets (ROA) | -0.8668% | 6,486 |
| Pretax return on assets | -0.8668% | 6,318 |
| Return on Equity (ROE) | -6.1433% | 6,321 |
| Retained earnings to average equity (ytd only) | -10.2624% | 6,540 |
| Net charge-offs to loans | 0.1867% | 5,488 |
| Credit loss provision to net charge-offs | 798.7654% | 369 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 5,746 |
| Efficiency ratio | 98.8550% | 1,160 |
| Assets per employee ($millions) | 0.8930% | 7,958 |
| Cash dividends to net income (ytd only)* | -67.0498% | 7,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 2,568 |
| Loan loss allowance to noncurrent loans | 144.7059% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.3229% | 4,447 |
| Noncurrent loans to loans | 1.2386% | 4,882 |
| Net loans and leases to total assets | 70.7571% | 3,068 |
| Net loans and leases to deposits | 82.6189% | 3,515 |
| Net loans and leases to core deposits | 88.6776% | 5,256 |
| Total domestic deposits to total assets | 85.6428% | 3,203 |
| Equity capital to assets | 13.9390% | 1,188 |
| Core capital (leverage) ratio | 13.9390% | 992 |
| Tier 1 risk-based capital ratio | 21.7692% | 1,178 |
| Total risk-based capital ratio | 23.0181% | 1,155 |
| Memoranda: | ||
| Average total assets | $60,219,400 | 6,342 |
| Average earning assets | $58,069,800 | 6,218 |
| Average equity | $8,497,000 | 5,767 |
| Average total loans | $43,396,000 | 5,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 6,931 |
| Cost of funding earning assets | 1.7629% | 4,574 |
| Net interest margin | 3.1169% | 6,266 |
| Noninterest income to average assets | 1.1434% | 1,205 |
| Noninterest expense to average assets | 3.9833% | 1,297 |
| Loan and lease loss provision to assets | 0.1989% | 5,400 |
| Net operating income to assets | -0.0394% | 5,779 |
| Return on assets (ROA) | 0.0874% | 5,556 |
| Pretax return on assets | 0.0874% | 5,551 |
| Return on Equity (ROE) | 0.6180% | 5,610 |
| Retained earnings to average equity (ytd only) | -4.7895% | 6,225 |
| Net charge-offs to loans | 0.2336% | 4,593 |
| Credit loss provision to net charge-offs | 118.1818% | 4,299 |
| Earnings coverage of net charge-offs (x) | 0.9481% | 5,108 |
| Efficiency ratio | 96.1478% | 1,266 |
| Assets per employee ($millions) | 0.5528% | 8,057 |
| Cash dividends to net income (ytd only)* | 875.0422% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4317% | 7,791 |
| Loan loss allowance to noncurrent loans | 19.7243% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 3.3467% | 2,011 |
| Noncurrent loans to loans | 2.1886% | 3,391 |
| Net loans and leases to total assets | 74.6234% | 2,332 |
| Net loans and leases to deposits | 88.2319% | 2,915 |
| Net loans and leases to core deposits | 93.8014% | 5,033 |
| Total domestic deposits to total assets | 84.5764% | 3,440 |
| Equity capital to assets | 14.8339% | 1,056 |
| Core capital (leverage) ratio | 14.8339% | 889 |
| Tier 1 risk-based capital ratio | 22.2750% | 1,191 |
| Total risk-based capital ratio | 22.7609% | 1,266 |
| Memoranda: | ||
| Average total assets | $60,987,000 | 6,355 |
| Average earning assets | $58,689,250 | 6,227 |
| Average equity | $8,629,750 | 5,779 |
| Average total loans | $43,951,250 | 5,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 7,095 |
| Cost of funding earning assets | 1.8559% | 4,483 |
| Net interest margin | 3.0150% | 6,508 |
| Noninterest income to average assets | 0.5567% | 3,983 |
| Noninterest expense to average assets | 3.6330% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1802% | 6,154 |
| Return on assets (ROA) | 0.0064% | 5,899 |
| Pretax return on assets | 0.0064% | 5,856 |
| Return on Equity (ROE) | 0.0462% | 5,906 |
| Retained earnings to average equity (ytd only) | -8.0335% | 6,671 |
| Net charge-offs to loans | -0.0181% | 7,678 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2190% | 989 |
| Assets per employee ($millions) | 0.4336% | 8,154 |
| Cash dividends to net income (ytd only)* | 17,500.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3810% | 7,918 |
| Loan loss allowance to noncurrent loans | 11.7021% | 7,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0961% | 2,029 |
| Noncurrent loans to loans | 3.2555% | 2,181 |
| Net loans and leases to total assets | 75.2735% | 2,374 |
| Net loans and leases to deposits | 87.9325% | 3,187 |
| Net loans and leases to core deposits | 95.1911% | 4,989 |
| Total domestic deposits to total assets | 85.6038% | 2,958 |
| Equity capital to assets | 13.8859% | 1,347 |
| Core capital (leverage) ratio | 13.8859% | 1,166 |
| Tier 1 risk-based capital ratio | 21.6748% | 1,304 |
| Total risk-based capital ratio | 22.1241% | 1,385 |
| Memoranda: | ||
| Average total assets | $62,152,670 | 6,366 |
| Average earning assets | $59,701,330 | 6,239 |
| Average equity | $8,663,670 | 5,791 |
| Average total loans | $44,239,330 | 6,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 7,238 |
| Cost of funding earning assets | 1.9934% | 4,163 |
| Net interest margin | 2.8794% | 6,802 |
| Noninterest income to average assets | -0.0192% | 8,099 |
| Noninterest expense to average assets | 3.4090% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6895% | 7,046 |
| Return on assets (ROA) | -0.3192% | 6,777 |
| Pretax return on assets | -0.3192% | 6,690 |
| Return on Equity (ROE) | -2.2856% | 6,696 |
| Retained earnings to average equity (ytd only) | -7.9995% | 6,917 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3521% | 562 |
| Assets per employee ($millions) | 0.5431% | 8,204 |
| Cash dividends to net income (ytd only)* | -250.0000% | 8,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3815% | 7,970 |
| Loan loss allowance to noncurrent loans | 15.6506% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 2.5540% | 2,248 |
| Noncurrent loans to loans | 2.4377% | 2,703 |
| Net loans and leases to total assets | 71.2900% | 3,410 |
| Net loans and leases to deposits | 83.0443% | 4,126 |
| Net loans and leases to core deposits | 89.1907% | 5,629 |
| Total domestic deposits to total assets | 85.8458% | 2,796 |
| Equity capital to assets | 13.7510% | 1,442 |
| Core capital (leverage) ratio | 13.7510% | 1,250 |
| Tier 1 risk-based capital ratio | 22.2842% | 1,267 |
| Total risk-based capital ratio | 22.7267% | 1,341 |
| Memoranda: | ||
| Average total assets | $62,658,500 | 6,372 |
| Average earning assets | $59,596,500 | 6,278 |
| Average equity | $8,750,500 | 5,796 |
| Average total loans | $43,259,500 | 6,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2904% | 4,016 |
| Cost of funding earning assets | 2.5116% | 4,144 |
| Net interest margin | 3.7788% | 4,107 |
| Noninterest income to average assets | 0.1107% | 7,576 |
| Noninterest expense to average assets | 3.5284% | 2,320 |
| Loan and lease loss provision to assets | 0.5058% | 2,787 |
| Net operating income to assets | -0.3382% | 6,760 |
| Return on assets (ROA) | 0.0784% | 6,006 |
| Pretax return on assets | 0.0784% | 5,992 |
| Return on Equity (ROE) | 0.5540% | 6,055 |
| Retained earnings to average equity (ytd only) | -3.2477% | 6,162 |
| Net charge-offs to loans | 0.7303% | 1,692 |
| Credit loss provision to net charge-offs | 100.9202% | 5,263 |
| Earnings coverage of net charge-offs (x) | 0.3344% | 6,030 |
| Efficiency ratio | 95.4659% | 1,189 |
| Assets per employee ($millions) | 0.4946% | 8,257 |
| Cash dividends to net income (ytd only)* | 686.2745% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4151% | 7,958 |
| Loan loss allowance to noncurrent loans | 12.6937% | 7,459 |
| Noncurrent assets plus other real estate owned to assets | 2.7039% | 1,751 |
| Noncurrent loans to loans | 3.2702% | 1,599 |
| Net loans and leases to total assets | 66.2136% | 4,805 |
| Net loans and leases to deposits | 77.4122% | 5,420 |
| Net loans and leases to core deposits | 83.6570% | 6,325 |
| Total domestic deposits to total assets | 85.5339% | 2,616 |
| Equity capital to assets | 14.1821% | 1,378 |
| Core capital (leverage) ratio | 14.1821% | 1,221 |
| Tier 1 risk-based capital ratio | 22.3611% | 1,272 |
| Total risk-based capital ratio | 22.7963% | 1,345 |
| Memoranda: | ||
| Average total assets | $65,043,800 | 6,190 |
| Average earning assets | $61,713,000 | 6,098 |
| Average equity | $9,206,400 | 5,671 |
| Average total loans | $44,638,000 | 5,943 |