Home > Diamond Bank, FSB > Performance and Condition Ratios
Diamond Bank, FSB, 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 | 4.4886% | 2,276 |
| Cost of funding earning assets | 1.3229% | 111 |
| Net interest margin | 3.1657% | 5,096 |
| Noninterest income to average assets | 0.2486% | 5,652 |
| Noninterest expense to average assets | 4.4866% | 527 |
| Loan and lease loss provision to assets | 0.0823% | 3,422 |
| Net operating income to assets | -1.4022% | 6,747 |
| Return on assets (ROA) | -1.4022% | 6,750 |
| Pretax return on assets | -1.4022% | 6,745 |
| Return on Equity (ROE) | -39.3049% | 6,846 |
| Retained earnings to average equity (ytd only) | -39.3049% | 6,843 |
| Net charge-offs to loans | 1.4042% | 353 |
| Credit loss provision to net charge-offs | 7.6197% | 4,247 |
| Earnings coverage of net charge-offs (x) | -1.2213% | 5,029 |
| Efficiency ratio | 138.0882% | 101 |
| Assets per employee ($millions) | 5.9514% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1131% | 215 |
| Loan loss allowance to noncurrent loans | 62.1400% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 6.1354% | 383 |
| Noncurrent loans to loans | 6.6191% | 338 |
| Net loans and leases to total assets | 67.9205% | 2,307 |
| Net loans and leases to deposits | 81.9417% | 2,148 |
| Net loans and leases to core deposits | 83.2147% | 2,736 |
| Total domestic deposits to total assets | 82.8888% | 4,623 |
| Equity capital to assets | 3.1541% | 6,842 |
| Core capital (leverage) ratio | 4.6642% | 6,798 |
| Tier 1 risk-based capital ratio | 6.9848% | 6,804 |
| Total risk-based capital ratio | 8.2740% | 6,803 |
| Memoranda: | ||
| Average total assets | $170,012,500 | 3,444 |
| Average earning assets | $156,717,750 | 3,428 |
| Average equity | $6,065,250 | 5,877 |
| Average total loans | $130,846,250 | 2,861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,608 |
| Cost of funding earning assets | 1.3726% | 97 |
| Net interest margin | 3.3134% | 4,520 |
| Noninterest income to average assets | 0.2571% | 5,611 |
| Noninterest expense to average assets | 4.3825% | 585 |
| Loan and lease loss provision to assets | 0.4032% | 770 |
| Net operating income to assets | -1.4760% | 6,809 |
| Return on assets (ROA) | -1.4760% | 6,813 |
| Pretax return on assets | -1.4760% | 6,802 |
| Return on Equity (ROE) | -39.8737% | 6,889 |
| Retained earnings to average equity (ytd only) | -39.8737% | 6,882 |
| Net charge-offs to loans | 1.4684% | 366 |
| Credit loss provision to net charge-offs | 34.7782% | 3,504 |
| Earnings coverage of net charge-offs (x) | -0.9254% | 4,709 |
| Efficiency ratio | 128.9901% | 135 |
| Assets per employee ($millions) | 5.2955% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3189% | 196 |
| Loan loss allowance to noncurrent loans | 87.0276% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 5.7200% | 495 |
| Noncurrent loans to loans | 4.9627% | 658 |
| Net loans and leases to total assets | 73.9678% | 1,253 |
| Net loans and leases to deposits | 89.7704% | 1,173 |
| Net loans and leases to core deposits | 92.7200% | 1,635 |
| Total domestic deposits to total assets | 82.3967% | 4,912 |
| Equity capital to assets | 3.4929% | 6,879 |
| Core capital (leverage) ratio | 5.0282% | 6,828 |
| Tier 1 risk-based capital ratio | 6.9355% | 6,849 |
| Total risk-based capital ratio | 8.2279% | 6,848 |
| Memoranda: | ||
| Average total assets | $171,137,000 | 3,444 |
| Average earning assets | $157,662,330 | 3,437 |
| Average equity | $6,335,000 | 5,839 |
| Average total loans | $135,116,000 | 2,786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,615 |
| Cost of funding earning assets | 1.4035% | 92 |
| Net interest margin | 3.2683% | 4,639 |
| Noninterest income to average assets | 0.2016% | 6,036 |
| Noninterest expense to average assets | 3.9490% | 943 |
| Loan and lease loss provision to assets | 0.5956% | 426 |
| Net operating income to assets | -1.3240% | 6,866 |
| Return on assets (ROA) | -1.3240% | 6,871 |
| Pretax return on assets | -1.3240% | 6,861 |
| Return on Equity (ROE) | -34.8429% | 6,940 |
| Retained earnings to average equity (ytd only) | -34.8429% | 6,914 |
| Net charge-offs to loans | 2.2985% | 189 |
| Credit loss provision to net charge-offs | 32.5000% | 2,854 |
| Earnings coverage of net charge-offs (x) | -0.3975% | 3,912 |
| Efficiency ratio | 119.2034% | 223 |
| Assets per employee ($millions) | 5.9918% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1279% | 254 |
| Loan loss allowance to noncurrent loans | 78.0665% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 6.1728% | 511 |
| Noncurrent loans to loans | 5.2877% | 707 |
| Net loans and leases to total assets | 74.6905% | 988 |
| Net loans and leases to deposits | 89.9728% | 968 |
| Net loans and leases to core deposits | 95.7278% | 1,217 |
| Total domestic deposits to total assets | 83.0146% | 4,850 |
| Equity capital to assets | 3.6660% | 6,946 |
| Core capital (leverage) ratio | 5.1185% | 6,870 |
| Tier 1 risk-based capital ratio | 6.9888% | 6,900 |
| Total risk-based capital ratio | 8.2788% | 6,899 |
| Memoranda: | ||
| Average total assets | $174,624,500 | 3,421 |
| Average earning assets | $161,305,500 | 3,409 |
| Average equity | $6,635,500 | 5,835 |
| Average total loans | $139,220,000 | 2,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,910 |
| Cost of funding earning assets | 1.6417% | 93 |
| Net interest margin | 3.2377% | 5,466 |
| Noninterest income to average assets | 0.1575% | 6,252 |
| Noninterest expense to average assets | 4.2898% | 687 |
| Loan and lease loss provision to assets | 1.9681% | 110 |
| Net operating income to assets | -3.1055% | 7,011 |
| Return on assets (ROA) | -3.1055% | 7,017 |
| Pretax return on assets | -3.1055% | 7,020 |
| Return on Equity (ROE) | -59.3187% | 7,034 |
| Retained earnings to average equity (ytd only) | -59.3187% | 7,032 |
| Net charge-offs to loans | 4.0594% | 67 |
| Credit loss provision to net charge-offs | 57.9991% | 4,498 |
| Earnings coverage of net charge-offs (x) | -0.3352% | 5,627 |
| Efficiency ratio | 132.8701% | 147 |
| Assets per employee ($millions) | 5.6609% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2832% | 228 |
| Loan loss allowance to noncurrent loans | 76.1242% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 5.5428% | 667 |
| Noncurrent loans to loans | 5.6267% | 646 |
| Net loans and leases to total assets | 78.0344% | 675 |
| Net loans and leases to deposits | 94.1641% | 739 |
| Net loans and leases to core deposits | 100.4651% | 1,001 |
| Total domestic deposits to total assets | 82.8706% | 4,773 |
| Equity capital to assets | 3.9325% | 7,006 |
| Core capital (leverage) ratio | 5.3715% | 6,906 |
| Tier 1 risk-based capital ratio | 7.0957% | 6,951 |
| Total risk-based capital ratio | 8.3883% | 6,951 |
| Memoranda: | ||
| Average total assets | $191,758,800 | 3,155 |
| Average earning assets | $177,380,600 | 3,126 |
| Average equity | $10,039,000 | 4,973 |
| Average total loans | $160,295,000 | 2,425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 1,969 |
| Cost of funding earning assets | 1.7068% | 84 |
| Net interest margin | 3.2036% | 5,692 |
| Noninterest income to average assets | -0.0899% | 7,019 |
| Noninterest expense to average assets | 3.8298% | 1,159 |
| Loan and lease loss provision to assets | 1.9752% | 127 |
| Net operating income to assets | -2.9352% | 7,111 |
| Return on assets (ROA) | -2.9352% | 7,113 |
| Pretax return on assets | -2.9352% | 7,108 |
| Return on Equity (ROE) | -53.1054% | 7,128 |
| Retained earnings to average equity (ytd only) | -53.1054% | 7,123 |
| Net charge-offs to loans | 4.4932% | 58 |
| Credit loss provision to net charge-offs | 52.2985% | 4,340 |
| Earnings coverage of net charge-offs (x) | -0.2542% | 5,427 |
| Efficiency ratio | 130.0119% | 148 |
| Assets per employee ($millions) | 6.0193% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1486% | 273 |
| Loan loss allowance to noncurrent loans | 56.7787% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 7.6310% | 424 |
| Noncurrent loans to loans | 7.3065% | 483 |
| Net loans and leases to total assets | 79.5193% | 553 |
| Net loans and leases to deposits | 96.5897% | 624 |
| Net loans and leases to core deposits | 102.8838% | 939 |
| Total domestic deposits to total assets | 82.3269% | 4,911 |
| Equity capital to assets | 4.8311% | 7,058 |
| Core capital (leverage) ratio | 6.1062% | 6,941 |
| Tier 1 risk-based capital ratio | 7.9157% | 7,000 |
| Total risk-based capital ratio | 9.2063% | 6,998 |
| Memoranda: | ||
| Average total assets | $195,826,500 | 3,126 |
| Average earning assets | $180,914,750 | 3,107 |
| Average equity | $10,823,500 | 4,843 |
| Average total loans | $164,601,500 | 2,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 2,117 |
| Cost of funding earning assets | 1.7603% | 82 |
| Net interest margin | 3.1386% | 5,892 |
| Noninterest income to average assets | 0.1195% | 6,587 |
| Noninterest expense to average assets | 3.7997% | 1,213 |
| Loan and lease loss provision to assets | 1.9919% | 145 |
| Net operating income to assets | -2.7684% | 7,138 |
| Return on assets (ROA) | -2.7684% | 7,146 |
| Pretax return on assets | -2.7684% | 7,135 |
| Return on Equity (ROE) | -48.2673% | 7,165 |
| Retained earnings to average equity (ytd only) | -48.2673% | 7,160 |
| Net charge-offs to loans | 4.8380% | 74 |
| Credit loss provision to net charge-offs | 48.7930% | 4,064 |
| Earnings coverage of net charge-offs (x) | -0.1902% | 5,159 |
| Efficiency ratio | 122.4893% | 212 |
| Assets per employee ($millions) | 5.6627% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2693% | 284 |
| Loan loss allowance to noncurrent loans | 58.1092% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 8.2968% | 407 |
| Noncurrent loans to loans | 7.3471% | 508 |
| Net loans and leases to total assets | 78.7403% | 649 |
| Net loans and leases to deposits | 96.6135% | 593 |
| Net loans and leases to core deposits | 107.3031% | 691 |
| Total domestic deposits to total assets | 81.5003% | 5,297 |
| Equity capital to assets | 5.3019% | 7,082 |
| Core capital (leverage) ratio | 6.4993% | 6,931 |
| Tier 1 risk-based capital ratio | 8.7140% | 6,998 |
| Total risk-based capital ratio | 10.0086% | 6,999 |
| Memoranda: | ||
| Average total assets | $200,908,670 | 3,070 |
| Average earning assets | $185,880,000 | 3,042 |
| Average equity | $11,523,330 | 4,707 |
| Average total loans | $169,531,670 | 2,351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 2,237 |
| Cost of funding earning assets | 1.7671% | 98 |
| Net interest margin | 3.1345% | 5,943 |
| Noninterest income to average assets | -0.0312% | 7,125 |
| Noninterest expense to average assets | 3.8752% | 1,097 |
| Loan and lease loss provision to assets | 1.8801% | 162 |
| Net operating income to assets | -2.8806% | 7,216 |
| Return on assets (ROA) | -2.8806% | 7,218 |
| Pretax return on assets | -2.8806% | 7,205 |
| Return on Equity (ROE) | -48.5018% | 7,224 |
| Retained earnings to average equity (ytd only) | -48.5018% | 7,211 |
| Net charge-offs to loans | 1.9256% | 495 |
| Credit loss provision to net charge-offs | 114.3535% | 2,065 |
| Earnings coverage of net charge-offs (x) | -0.6085% | 4,518 |
| Efficiency ratio | 131.5468% | 158 |
| Assets per employee ($millions) | 5.4072% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2937% | 136 |
| Loan loss allowance to noncurrent loans | 68.5283% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 8.6207% | 423 |
| Noncurrent loans to loans | 7.7248% | 522 |
| Net loans and leases to total assets | 80.3195% | 377 |
| Net loans and leases to deposits | 100.8276% | 344 |
| Net loans and leases to core deposits | 112.5996% | 454 |
| Total domestic deposits to total assets | 79.6602% | 5,929 |
| Equity capital to assets | 5.7311% | 7,093 |
| Core capital (leverage) ratio | 6.8848% | 6,880 |
| Tier 1 risk-based capital ratio | 9.2460% | 7,001 |
| Total risk-based capital ratio | 10.5560% | 6,993 |
| Memoranda: | ||
| Average total assets | $205,096,500 | 3,053 |
| Average earning assets | $190,144,000 | 3,015 |
| Average equity | $12,181,000 | 4,573 |
| Average total loans | $175,116,500 | 2,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 1,464 |
| Cost of funding earning assets | 1.8740% | 167 |
| Net interest margin | 3.5062% | 5,123 |
| Noninterest income to average assets | 0.9442% | 1,522 |
| Noninterest expense to average assets | 4.2322% | 782 |
| Loan and lease loss provision to assets | 3.6394% | 74 |
| Net operating income to assets | -3.6364% | 7,234 |
| Return on assets (ROA) | -3.6364% | 7,238 |
| Pretax return on assets | -3.6364% | 7,246 |
| Return on Equity (ROE) | -51.4022% | 7,207 |
| Retained earnings to average equity (ytd only) | -51.4022% | 7,204 |
| Net charge-offs to loans | 3.8677% | 167 |
| Credit loss provision to net charge-offs | 105.7157% | 3,232 |
| Earnings coverage of net charge-offs (x) | 0.0009% | 5,822 |
| Efficiency ratio | 97.9787% | 727 |
| Assets per employee ($millions) | 5.2532% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9075% | 192 |
| Loan loss allowance to noncurrent loans | 72.2580% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 6.7416% | 694 |
| Noncurrent loans to loans | 6.7917% | 666 |
| Net loans and leases to total assets | 81.7115% | 361 |
| Net loans and leases to deposits | 102.2517% | 361 |
| Net loans and leases to core deposits | 113.5824% | 516 |
| Total domestic deposits to total assets | 79.9121% | 5,766 |
| Equity capital to assets | 6.1372% | 7,083 |
| Core capital (leverage) ratio | 7.2372% | 6,770 |
| Tier 1 risk-based capital ratio | 9.3634% | 6,986 |
| Total risk-based capital ratio | 10.6658% | 6,968 |
| Memoranda: | ||
| Average total assets | $234,793,800 | 2,682 |
| Average earning assets | $220,382,600 | 2,606 |
| Average equity | $16,610,200 | 3,634 |
| Average total loans | $208,984,600 | 1,965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 1,459 |
| Cost of funding earning assets | 1.8751% | 194 |
| Net interest margin | 3.5442% | 5,004 |
| Noninterest income to average assets | 1.2262% | 875 |
| Noninterest expense to average assets | 4.2789% | 731 |
| Loan and lease loss provision to assets | 4.1749% | 52 |
| Net operating income to assets | -3.8954% | 7,328 |
| Return on assets (ROA) | -3.8954% | 7,329 |
| Pretax return on assets | -3.8954% | 7,328 |
| Return on Equity (ROE) | -53.5182% | 7,302 |
| Retained earnings to average equity (ytd only) | -53.5182% | 7,298 |
| Net charge-offs to loans | 4.4530% | 126 |
| Credit loss provision to net charge-offs | 104.5448% | 3,186 |
| Earnings coverage of net charge-offs (x) | 0.0700% | 5,550 |
| Efficiency ratio | 92.1097% | 1,028 |
| Assets per employee ($millions) | 5.3220% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3962% | 284 |
| Loan loss allowance to noncurrent loans | 50.6265% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 8.2135% | 527 |
| Noncurrent loans to loans | 8.6836% | 478 |
| Net loans and leases to total assets | 86.9763% | 106 |
| Net loans and leases to deposits | 108.8205% | 196 |
| Net loans and leases to core deposits | 120.7469% | 367 |
| Total domestic deposits to total assets | 79.9264% | 5,759 |
| Equity capital to assets | 6.6292% | 7,116 |
| Core capital (leverage) ratio | 7.6361% | 6,680 |
| Tier 1 risk-based capital ratio | 9.2415% | 7,087 |
| Total risk-based capital ratio | 10.5294% | 7,079 |
| Memoranda: | ||
| Average total assets | $240,960,500 | 2,636 |
| Average earning assets | $226,544,250 | 2,549 |
| Average equity | $17,538,750 | 3,505 |
| Average total loans | $216,091,000 | 1,917 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 1,503 |
| Cost of funding earning assets | 1.8783% | 228 |
| Net interest margin | 3.5427% | 4,953 |
| Noninterest income to average assets | 1.3575% | 692 |
| Noninterest expense to average assets | 4.6953% | 484 |
| Loan and lease loss provision to assets | 3.9791% | 74 |
| Net operating income to assets | -3.9840% | 7,390 |
| Return on assets (ROA) | -3.9840% | 7,393 |
| Pretax return on assets | -3.9840% | 7,389 |
| Return on Equity (ROE) | -53.3417% | 7,355 |
| Retained earnings to average equity (ytd only) | -53.3417% | 7,352 |
| Net charge-offs to loans | 3.1863% | 307 |
| Credit loss provision to net charge-offs | 139.8473% | 2,175 |
| Earnings coverage of net charge-offs (x) | -0.0017% | 5,286 |
| Efficiency ratio | 98.4388% | 777 |
| Assets per employee ($millions) | 5.0845% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6298% | 247 |
| Loan loss allowance to noncurrent loans | 66.3375% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 6.8977% | 750 |
| Noncurrent loans to loans | 6.9792% | 744 |
| Net loans and leases to total assets | 86.3807% | 126 |
| Net loans and leases to deposits | 107.7060% | 222 |
| Net loans and leases to core deposits | 120.0731% | 416 |
| Total domestic deposits to total assets | 80.2004% | 5,769 |
| Equity capital to assets | 7.0572% | 7,084 |
| Core capital (leverage) ratio | 7.9987% | 6,298 |
| Tier 1 risk-based capital ratio | 9.9252% | 7,001 |
| Total risk-based capital ratio | 11.2241% | 6,987 |
| Memoranda: | ||
| Average total assets | $248,546,670 | 2,568 |
| Average earning assets | $233,831,000 | 2,489 |
| Average equity | $18,563,330 | 3,322 |
| Average total loans | $221,951,000 | 1,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 1,474 |
| Cost of funding earning assets | 1.8775% | 277 |
| Net interest margin | 3.5543% | 4,793 |
| Noninterest income to average assets | 1.4148% | 644 |
| Noninterest expense to average assets | 4.8539% | 413 |
| Loan and lease loss provision to assets | 2.3918% | 214 |
| Net operating income to assets | -2.4809% | 7,337 |
| Return on assets (ROA) | -2.4809% | 7,336 |
| Pretax return on assets | -2.4809% | 7,322 |
| Return on Equity (ROE) | -32.4010% | 7,341 |
| Retained earnings to average equity (ytd only) | -32.4010% | 7,316 |
| Net charge-offs to loans | 2.0704% | 613 |
| Credit loss provision to net charge-offs | 130.2128% | 2,126 |
| Earnings coverage of net charge-offs (x) | -0.0485% | 4,615 |
| Efficiency ratio | 100.2953% | 731 |
| Assets per employee ($millions) | 4.8998% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9309% | 438 |
| Loan loss allowance to noncurrent loans | 58.2414% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 6.2130% | 913 |
| Noncurrent loans to loans | 6.7493% | 849 |
| Net loans and leases to total assets | 84.0547% | 226 |
| Net loans and leases to deposits | 104.4754% | 297 |
| Net loans and leases to core deposits | 122.5715% | 371 |
| Total domestic deposits to total assets | 80.4541% | 5,826 |
| Equity capital to assets | 7.7797% | 6,690 |
| Core capital (leverage) ratio | 8.6472% | 5,176 |
| Tier 1 risk-based capital ratio | 11.0167% | 6,501 |
| Total risk-based capital ratio | 12.3057% | 6,449 |
| Memoranda: | ||
| Average total assets | $255,875,500 | 2,512 |
| Average earning assets | $241,173,000 | 2,434 |
| Average equity | $19,592,000 | 3,172 |
| Average total loans | $227,005,000 | 1,881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4954% | 2,306 |
| Cost of funding earning assets | 2.1872% | 314 |
| Net interest margin | 3.3082% | 5,953 |
| Noninterest income to average assets | 2.6821% | 266 |
| Noninterest expense to average assets | 5.3635% | 328 |
| Loan and lease loss provision to assets | 4.3920% | 124 |
| Net operating income to assets | -3.9614% | 7,434 |
| Return on assets (ROA) | -3.8384% | 7,431 |
| Pretax return on assets | -3.8384% | 7,411 |
| Return on Equity (ROE) | -48.7689% | 7,413 |
| Retained earnings to average equity (ytd only) | -48.7689% | 7,410 |
| Net charge-offs to loans | 3.2229% | 487 |
| Credit loss provision to net charge-offs | 155.0121% | 2,281 |
| Earnings coverage of net charge-offs (x) | 0.1520% | 5,961 |
| Efficiency ratio | 91.3360% | 1,226 |
| Assets per employee ($millions) | 4.5886% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6389% | 534 |
| Loan loss allowance to noncurrent loans | 60.3228% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 5.6682% | 1,082 |
| Noncurrent loans to loans | 6.0324% | 1,034 |
| Net loans and leases to total assets | 86.6571% | 149 |
| Net loans and leases to deposits | 107.1826% | 287 |
| Net loans and leases to core deposits | 145.1995% | 191 |
| Total domestic deposits to total assets | 80.8500% | 5,570 |
| Equity capital to assets | 7.5350% | 6,865 |
| Core capital (leverage) ratio | 8.3953% | 5,541 |
| Tier 1 risk-based capital ratio | 10.3351% | 6,801 |
| Total risk-based capital ratio | 11.6188% | 6,765 |
| Memoranda: | ||
| Average total assets | $277,096,600 | 2,307 |
| Average earning assets | $260,653,400 | 2,246 |
| Average equity | $21,809,000 | 2,900 |
| Average total loans | $243,603,600 | 1,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 2,883 |
| Cost of funding earning assets | 2.2349% | 347 |
| Net interest margin | 3.1651% | 6,441 |
| Noninterest income to average assets | 2.1399% | 344 |
| Noninterest expense to average assets | 4.9082% | 408 |
| Loan and lease loss provision to assets | 4.3142% | 127 |
| Net operating income to assets | -4.1063% | 7,580 |
| Return on assets (ROA) | -3.9451% | 7,579 |
| Pretax return on assets | -3.9451% | 7,558 |
| Return on Equity (ROE) | -49.6433% | 7,558 |
| Retained earnings to average equity (ytd only) | -49.6433% | 7,555 |
| Net charge-offs to loans | 2.7759% | 586 |
| Credit loss provision to net charge-offs | 177.7107% | 2,071 |
| Earnings coverage of net charge-offs (x) | 0.0857% | 5,946 |
| Efficiency ratio | 94.5502% | 974 |
| Assets per employee ($millions) | 4.8517% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4407% | 566 |
| Loan loss allowance to noncurrent loans | 40.0297% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 7.8874% | 640 |
| Noncurrent loans to loans | 8.5954% | 573 |
| Net loans and leases to total assets | 84.9976% | 263 |
| Net loans and leases to deposits | 105.5249% | 379 |
| Net loans and leases to core deposits | 143.0416% | 230 |
| Total domestic deposits to total assets | 80.5474% | 5,526 |
| Equity capital to assets | 8.1471% | 6,671 |
| Core capital (leverage) ratio | 8.9268% | 4,810 |
| Tier 1 risk-based capital ratio | 11.0610% | 6,321 |
| Total risk-based capital ratio | 12.3421% | 6,286 |
| Memoranda: | ||
| Average total assets | $282,130,500 | 2,302 |
| Average earning assets | $265,300,750 | 2,247 |
| Average equity | $22,420,750 | 2,875 |
| Average total loans | $246,733,500 | 1,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3160% | 3,388 |
| Cost of funding earning assets | 2.2654% | 381 |
| Net interest margin | 3.0506% | 6,721 |
| Noninterest income to average assets | 1.7248% | 444 |
| Noninterest expense to average assets | 4.4690% | 597 |
| Loan and lease loss provision to assets | 4.9954% | 107 |
| Net operating income to assets | -4.8721% | 7,690 |
| Return on assets (ROA) | -4.8631% | 7,693 |
| Pretax return on assets | -4.8631% | 7,672 |
| Return on Equity (ROE) | -61.6752% | 7,660 |
| Retained earnings to average equity (ytd only) | -61.6752% | 7,658 |
| Net charge-offs to loans | 2.4238% | 719 |
| Credit loss provision to net charge-offs | 236.1422% | 1,636 |
| Earnings coverage of net charge-offs (x) | 0.0583% | 5,661 |
| Efficiency ratio | 95.7847% | 980 |
| Assets per employee ($millions) | 5.5685% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2607% | 667 |
| Loan loss allowance to noncurrent loans | 56.4662% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 5.5717% | 1,099 |
| Noncurrent loans to loans | 5.7746% | 1,126 |
| Net loans and leases to total assets | 87.6542% | 147 |
| Net loans and leases to deposits | 109.2727% | 294 |
| Net loans and leases to core deposits | 132.4187% | 383 |
| Total domestic deposits to total assets | 80.2160% | 5,663 |
| Equity capital to assets | 7.9116% | 6,841 |
| Core capital (leverage) ratio | 8.5807% | 5,273 |
| Tier 1 risk-based capital ratio | 10.2559% | 6,875 |
| Total risk-based capital ratio | 11.5059% | 6,852 |
| Memoranda: | ||
| Average total assets | $287,226,000 | 2,283 |
| Average earning assets | $269,979,670 | 2,227 |
| Average equity | $22,647,670 | 2,839 |
| Average total loans | $250,680,330 | 1,811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 2,728 |
| Cost of funding earning assets | 2.2708% | 469 |
| Net interest margin | 3.2003% | 6,293 |
| Noninterest income to average assets | 1.7090% | 437 |
| Noninterest expense to average assets | 4.5840% | 523 |
| Loan and lease loss provision to assets | 2.9243% | 342 |
| Net operating income to assets | -2.7816% | 7,605 |
| Return on assets (ROA) | -2.7638% | 7,606 |
| Pretax return on assets | -2.7638% | 7,563 |
| Return on Equity (ROE) | -35.1084% | 7,619 |
| Retained earnings to average equity (ytd only) | -35.1084% | 7,599 |
| Net charge-offs to loans | 2.7629% | 578 |
| Credit loss provision to net charge-offs | 123.5226% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.0603% | 4,986 |
| Efficiency ratio | 95.5601% | 1,052 |
| Assets per employee ($millions) | 5.7827% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 2,642 |
| Loan loss allowance to noncurrent loans | 51.7491% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 3.2535% | 2,203 |
| Noncurrent loans to loans | 3.5345% | 2,257 |
| Net loans and leases to total assets | 83.4793% | 429 |
| Net loans and leases to deposits | 105.2538% | 463 |
| Net loans and leases to core deposits | 151.9637% | 231 |
| Total domestic deposits to total assets | 79.3124% | 6,009 |
| Equity capital to assets | 9.2480% | 4,919 |
| Core capital (leverage) ratio | 9.9178% | 3,265 |
| Tier 1 risk-based capital ratio | 12.2365% | 4,957 |
| Total risk-based capital ratio | 13.4863% | 4,934 |
| Memoranda: | ||
| Average total assets | $291,625,500 | 2,302 |
| Average earning assets | $274,973,500 | 2,245 |
| Average equity | $22,957,500 | 2,825 |
| Average total loans | $249,881,000 | 1,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1240% | 5,987 |
| Cost of funding earning assets | 2.6014% | 774 |
| Net interest margin | 2.5226% | 7,404 |
| Noninterest income to average assets | 1.7320% | 484 |
| Noninterest expense to average assets | 8.0343% | 146 |
| Loan and lease loss provision to assets | 2.6893% | 703 |
| Net operating income to assets | -6.6927% | 7,878 |
| Return on assets (ROA) | -6.4871% | 7,854 |
| Pretax return on assets | -6.4871% | 7,837 |
| Return on Equity (ROE) | -61.4765% | 7,762 |
| Retained earnings to average equity (ytd only) | -61.4765% | 7,759 |
| Net charge-offs to loans | 1.8980% | 1,305 |
| Credit loss provision to net charge-offs | 175.0178% | 2,397 |
| Earnings coverage of net charge-offs (x) | -2.6055% | 7,036 |
| Efficiency ratio | 118.8026% | 628 |
| Assets per employee ($millions) | 5.2521% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 3,236 |
| Loan loss allowance to noncurrent loans | 33.9757% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 4.2507% | 1,543 |
| Noncurrent loans to loans | 4.7413% | 1,465 |
| Net loans and leases to total assets | 84.9349% | 359 |
| Net loans and leases to deposits | 103.4003% | 676 |
| Net loans and leases to core deposits | 132.0289% | 1,173 |
| Total domestic deposits to total assets | 82.1418% | 4,886 |
| Equity capital to assets | 6.5199% | 7,557 |
| Core capital (leverage) ratio | 7.1375% | 7,120 |
| Tier 1 risk-based capital ratio | 8.6588% | 7,562 |
| Total risk-based capital ratio | 9.9086% | 7,592 |
| Memoranda: | ||
| Average total assets | $274,312,600 | 2,386 |
| Average earning assets | $249,980,200 | 2,402 |
| Average equity | $28,946,000 | 2,306 |
| Average total loans | $222,079,600 | 2,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 6,249 |
| Cost of funding earning assets | 2.6694% | 865 |
| Net interest margin | 2.4351% | 7,536 |
| Noninterest income to average assets | 1.6349% | 549 |
| Noninterest expense to average assets | 4.3623% | 850 |
| Loan and lease loss provision to assets | 1.6226% | 1,161 |
| Net operating income to assets | -2.1527% | 7,371 |
| Return on assets (ROA) | -1.8735% | 7,266 |
| Pretax return on assets | -1.8735% | 7,123 |
| Return on Equity (ROE) | -16.0777% | 7,241 |
| Retained earnings to average equity (ytd only) | -16.0777% | 7,193 |
| Net charge-offs to loans | 1.6881% | 1,200 |
| Credit loss provision to net charge-offs | 120.9148% | 4,197 |
| Earnings coverage of net charge-offs (x) | -0.3951% | 6,425 |
| Efficiency ratio | 111.9737% | 730 |
| Assets per employee ($millions) | 5.1007% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 7,522 |
| Loan loss allowance to noncurrent loans | 14.4794% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 3.6400% | 1,808 |
| Noncurrent loans to loans | 4.3587% | 1,629 |
| Net loans and leases to total assets | 80.9608% | 986 |
| Net loans and leases to deposits | 103.8361% | 789 |
| Net loans and leases to core deposits | 134.1313% | 1,199 |
| Total domestic deposits to total assets | 77.9698% | 6,099 |
| Equity capital to assets | 10.6582% | 3,336 |
| Core capital (leverage) ratio | 8.6054% | 5,297 |
| Tier 1 risk-based capital ratio | 10.8154% | 6,138 |
| Total risk-based capital ratio | 11.4845% | 6,686 |
| Memoranda: | ||
| Average total assets | $269,361,500 | 2,434 |
| Average earning assets | $243,048,750 | 2,486 |
| Average equity | $31,388,500 | 2,152 |
| Average total loans | $214,125,000 | 2,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 6,502 |
| Cost of funding earning assets | 2.6780% | 1,084 |
| Net interest margin | 2.4042% | 7,569 |
| Noninterest income to average assets | 1.6992% | 507 |
| Noninterest expense to average assets | 4.4159% | 848 |
| Loan and lease loss provision to assets | 2.4657% | 639 |
| Net operating income to assets | -3.0255% | 7,680 |
| Return on assets (ROA) | -2.5954% | 7,581 |
| Pretax return on assets | -2.5954% | 7,448 |
| Return on Equity (ROE) | -21.5913% | 7,547 |
| Retained earnings to average equity (ytd only) | -21.5913% | 7,502 |
| Net charge-offs to loans | 2.5913% | 653 |
| Credit loss provision to net charge-offs | 120.8146% | 3,843 |
| Earnings coverage of net charge-offs (x) | -0.2743% | 5,938 |
| Efficiency ratio | 112.6187% | 783 |
| Assets per employee ($millions) | 4.8380% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 7,480 |
| Loan loss allowance to noncurrent loans | 22.0359% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 2.4506% | 2,633 |
| Noncurrent loans to loans | 3.0472% | 2,359 |
| Net loans and leases to total assets | 76.9567% | 1,956 |
| Net loans and leases to deposits | 101.1815% | 1,156 |
| Net loans and leases to core deposits | 129.9630% | 1,565 |
| Total domestic deposits to total assets | 76.0581% | 6,535 |
| Equity capital to assets | 10.9641% | 2,952 |
| Core capital (leverage) ratio | 8.8897% | 4,800 |
| Tier 1 risk-based capital ratio | 11.4089% | 5,485 |
| Total risk-based capital ratio | 12.1006% | 5,967 |
| Memoranda: | ||
| Average total assets | $262,234,670 | 2,515 |
| Average earning assets | $235,250,670 | 2,571 |
| Average equity | $31,522,000 | 2,145 |
| Average total loans | $206,539,330 | 2,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 6,567 |
| Cost of funding earning assets | 2.6677% | 1,351 |
| Net interest margin | 2.4608% | 7,545 |
| Noninterest income to average assets | 0.7932% | 2,361 |
| Noninterest expense to average assets | 3.8942% | 1,316 |
| Loan and lease loss provision to assets | 0.2793% | 3,720 |
| Net operating income to assets | -1.1603% | 7,342 |
| Return on assets (ROA) | -0.2601% | 6,707 |
| Pretax return on assets | -0.2601% | 6,631 |
| Return on Equity (ROE) | -2.0610% | 6,665 |
| Retained earnings to average equity (ytd only) | -2.0610% | 6,114 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6949% | 540 |
| Assets per employee ($millions) | 4.7675% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 7,564 |
| Loan loss allowance to noncurrent loans | 23.3345% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1432% | 2,688 |
| Noncurrent loans to loans | 2.8029% | 2,336 |
| Net loans and leases to total assets | 75.9625% | 2,281 |
| Net loans and leases to deposits | 99.6053% | 1,464 |
| Net loans and leases to core deposits | 141.5140% | 1,039 |
| Total domestic deposits to total assets | 76.2635% | 6,460 |
| Equity capital to assets | 11.6215% | 2,504 |
| Core capital (leverage) ratio | 9.3977% | 4,109 |
| Tier 1 risk-based capital ratio | 12.3845% | 4,630 |
| Total risk-based capital ratio | 13.0686% | 5,020 |
| Memoranda: | ||
| Average total assets | $250,631,500 | 2,636 |
| Average earning assets | $226,108,500 | 2,693 |
| Average equity | $31,635,000 | 2,138 |
| Average total loans | $199,233,500 | 2,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 4,611 |
| Cost of funding earning assets | 3.2935% | 945 |
| Net interest margin | 2.8873% | 7,178 |
| Noninterest income to average assets | 0.6284% | 3,646 |
| Noninterest expense to average assets | 3.9176% | 1,532 |
| Loan and lease loss provision to assets | 0.7517% | 1,984 |
| Net operating income to assets | -1.4768% | 7,452 |
| Return on assets (ROA) | -0.8100% | 7,048 |
| Pretax return on assets | -0.8100% | 6,888 |
| Return on Equity (ROE) | -5.9680% | 6,959 |
| Retained earnings to average equity (ytd only) | -7.8049% | 6,868 |
| Net charge-offs to loans | 0.8210% | 1,525 |
| Credit loss provision to net charge-offs | 109.7578% | 4,909 |
| Earnings coverage of net charge-offs (x) | -1.0588% | 6,603 |
| Efficiency ratio | 119.8634% | 576 |
| Assets per employee ($millions) | 4.0985% | 3,311 |
| Cash dividends to net income (ytd only)* | -30.7782% | 8,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 7,633 |
| Loan loss allowance to noncurrent loans | 24.1639% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1367% | 2,299 |
| Noncurrent loans to loans | 2.5718% | 2,107 |
| Net loans and leases to total assets | 82.5638% | 1,128 |
| Net loans and leases to deposits | 114.7798% | 583 |
| Net loans and leases to core deposits | 129.3422% | 1,904 |
| Total domestic deposits to total assets | 71.9324% | 7,010 |
| Equity capital to assets | 13.8068% | 1,493 |
| Core capital (leverage) ratio | 11.2579% | 2,395 |
| Tier 1 risk-based capital ratio | 13.5910% | 3,766 |
| Total risk-based capital ratio | 14.2426% | 4,030 |
| Memoranda: | ||
| Average total assets | $210,998,400 | 2,996 |
| Average earning assets | $187,371,200 | 3,076 |
| Average equity | $28,636,000 | 2,361 |
| Average total loans | $176,005,600 | 2,549 |