Home > Douglas County Bank > Performance and Condition Ratios
Douglas County Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,679 |
| Cost of funding earning assets | 1.1657% | 262 |
| Net interest margin | 2.9462% | 5,715 |
| Noninterest income to average assets | 0.7270% | 2,442 |
| Noninterest expense to average assets | 2.9055% | 3,322 |
| Loan and lease loss provision to assets | 0.0846% | 3,246 |
| Net operating income to assets | -0.1035% | 6,443 |
| Return on assets (ROA) | -0.0858% | 6,481 |
| Pretax return on assets | -0.0858% | 6,476 |
| Return on Equity (ROE) | -28.8441% | 6,930 |
| Retained earnings to average equity (ytd only) | -28.8441% | 6,896 |
| Net charge-offs to loans | 0.6605% | 925 |
| Credit loss provision to net charge-offs | 23.3449% | 2,993 |
| Earnings coverage of net charge-offs (x) | -0.0523% | 3,840 |
| Efficiency ratio | 100.6559% | 525 |
| Assets per employee ($millions) | 4.6660% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 3,379 |
| Loan loss allowance to noncurrent loans | 58.3667% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 25.5103% | 6 |
| Noncurrent loans to loans | 2.7510% | 1,852 |
| Net loans and leases to total assets | 53.5561% | 4,482 |
| Net loans and leases to deposits | 53.8893% | 5,442 |
| Net loans and leases to core deposits | 57.3100% | 5,404 |
| Total domestic deposits to total assets | 99.3816% | 2 |
| Equity capital to assets | 0.2556% | 7,017 |
| Core capital (leverage) ratio | 0.3647% | 7,017 |
| Tier 1 risk-based capital ratio | 0.4828% | 7,015 |
| Total risk-based capital ratio | 0.9657% | 7,015 |
| Memoranda: | ||
| Average total assets | $316,913,500 | 2,065 |
| Average earning assets | $232,297,500 | 2,552 |
| Average equity | $943,000 | 7,000 |
| Average total loans | $173,815,000 | 2,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 4,618 |
| Cost of funding earning assets | 1.2823% | 399 |
| Net interest margin | 2.9105% | 6,207 |
| Noninterest income to average assets | -1.7596% | 7,075 |
| Noninterest expense to average assets | 2.9717% | 3,380 |
| Loan and lease loss provision to assets | 0.3297% | 2,062 |
| Net operating income to assets | -2.8293% | 6,998 |
| Return on assets (ROA) | -2.7076% | 6,992 |
| Pretax return on assets | -2.7076% | 6,995 |
| Return on Equity (ROE) | -110.7666% | 7,075 |
| Retained earnings to average equity (ytd only) | -110.7666% | 7,074 |
| Net charge-offs to loans | 1.2483% | 794 |
| Credit loss provision to net charge-offs | 42.6465% | 4,880 |
| Earnings coverage of net charge-offs (x) | -3.2336% | 5,879 |
| Efficiency ratio | 629.5692% | 5 |
| Assets per employee ($millions) | 4.2776% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 2,892 |
| Loan loss allowance to noncurrent loans | 26.7614% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 27.8136% | 6 |
| Noncurrent loans to loans | 6.3934% | 532 |
| Net loans and leases to total assets | 54.3178% | 4,578 |
| Net loans and leases to deposits | 54.7087% | 5,583 |
| Net loans and leases to core deposits | 57.8846% | 5,557 |
| Total domestic deposits to total assets | 99.2854% | 2 |
| Equity capital to assets | 0.3396% | 7,081 |
| Core capital (leverage) ratio | 0.3773% | 7,082 |
| Tier 1 risk-based capital ratio | 0.5098% | 7,082 |
| Total risk-based capital ratio | 1.0196% | 7,082 |
| Memoranda: | ||
| Average total assets | $324,562,600 | 1,983 |
| Average earning assets | $248,857,000 | 2,340 |
| Average equity | $7,933,800 | 5,526 |
| Average total loans | $200,987,000 | 1,999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 4,948 |
| Cost of funding earning assets | 1.3021% | 433 |
| Net interest margin | 2.8581% | 6,422 |
| Noninterest income to average assets | 0.3809% | 4,773 |
| Noninterest expense to average assets | 2.8918% | 3,630 |
| Loan and lease loss provision to assets | 0.1617% | 3,489 |
| Net operating income to assets | -0.4565% | 6,678 |
| Return on assets (ROA) | -0.3278% | 6,649 |
| Pretax return on assets | -0.3278% | 6,616 |
| Return on Equity (ROE) | -11.0964% | 6,879 |
| Retained earnings to average equity (ytd only) | -11.0964% | 6,840 |
| Net charge-offs to loans | 0.2615% | 3,152 |
| Credit loss provision to net charge-offs | 97.2973% | 3,075 |
| Earnings coverage of net charge-offs (x) | -1.7740% | 5,635 |
| Efficiency ratio | 111.3504% | 285 |
| Assets per employee ($millions) | 4.7918% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4812% | 1,227 |
| Loan loss allowance to noncurrent loans | 64.5317% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 28.5157% | 8 |
| Noncurrent loans to loans | 3.8450% | 1,366 |
| Net loans and leases to total assets | 53.3496% | 4,847 |
| Net loans and leases to deposits | 55.1023% | 5,712 |
| Net loans and leases to core deposits | 58.1563% | 5,719 |
| Total domestic deposits to total assets | 96.8193% | 18 |
| Equity capital to assets | 2.8004% | 7,140 |
| Core capital (leverage) ratio | 2.7920% | 7,140 |
| Tier 1 risk-based capital ratio | 3.6737% | 7,145 |
| Total risk-based capital ratio | 4.9301% | 7,145 |
| Memoranda: | ||
| Average total assets | $326,568,500 | 1,990 |
| Average earning assets | $253,216,250 | 2,315 |
| Average equity | $9,648,500 | 5,112 |
| Average total loans | $207,501,250 | 1,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 5,416 |
| Cost of funding earning assets | 1.3003% | 532 |
| Net interest margin | 2.7703% | 6,623 |
| Noninterest income to average assets | 0.3782% | 4,810 |
| Noninterest expense to average assets | 2.8873% | 3,673 |
| Loan and lease loss provision to assets | 0.1848% | 3,252 |
| Net operating income to assets | -0.4865% | 6,727 |
| Return on assets (ROA) | -0.4217% | 6,741 |
| Pretax return on assets | -0.4217% | 6,710 |
| Return on Equity (ROE) | -14.0283% | 6,967 |
| Retained earnings to average equity (ytd only) | -14.0283% | 6,924 |
| Net charge-offs to loans | 0.2863% | 2,891 |
| Credit loss provision to net charge-offs | 97.1061% | 2,856 |
| Earnings coverage of net charge-offs (x) | -1.5852% | 5,357 |
| Efficiency ratio | 111.6686% | 308 |
| Assets per employee ($millions) | 4.3168% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 1,968 |
| Loan loss allowance to noncurrent loans | 15.2823% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 28.1322% | 6 |
| Noncurrent loans to loans | 13.8237% | 122 |
| Net loans and leases to total assets | 62.4959% | 3,339 |
| Net loans and leases to deposits | 64.6371% | 4,681 |
| Net loans and leases to core deposits | 68.8468% | 4,689 |
| Total domestic deposits to total assets | 96.6874% | 26 |
| Equity capital to assets | 2.8865% | 7,186 |
| Core capital (leverage) ratio | 2.8361% | 7,185 |
| Tier 1 risk-based capital ratio | 3.6348% | 7,197 |
| Total risk-based capital ratio | 4.8909% | 7,197 |
| Memoranda: | ||
| Average total assets | $326,811,000 | 1,985 |
| Average earning assets | $260,407,000 | 2,254 |
| Average equity | $9,823,000 | 5,069 |
| Average total loans | $217,249,000 | 1,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 5,520 |
| Cost of funding earning assets | 1.3311% | 556 |
| Net interest margin | 2.7507% | 6,713 |
| Noninterest income to average assets | -0.0564% | 7,146 |
| Noninterest expense to average assets | 2.9481% | 3,453 |
| Loan and lease loss provision to assets | 0.0110% | 5,164 |
| Net operating income to assets | -0.8057% | 6,956 |
| Return on assets (ROA) | -0.7174% | 6,942 |
| Pretax return on assets | -0.7174% | 6,904 |
| Return on Equity (ROE) | -23.4012% | 7,133 |
| Retained earnings to average equity (ytd only) | -23.4012% | 7,081 |
| Net charge-offs to loans | 0.0054% | 4,679 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | -216.0000% | 4,727 |
| Efficiency ratio | 136.9021% | 146 |
| Assets per employee ($millions) | 4.7646% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,319 |
| Loan loss allowance to noncurrent loans | 11.8016% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 28.4222% | 8 |
| Noncurrent loans to loans | 17.0614% | 82 |
| Net loans and leases to total assets | 65.7230% | 2,517 |
| Net loans and leases to deposits | 67.9826% | 4,061 |
| Net loans and leases to core deposits | 72.6043% | 4,069 |
| Total domestic deposits to total assets | 96.6763% | 25 |
| Equity capital to assets | 2.9411% | 7,240 |
| Core capital (leverage) ratio | 2.8616% | 7,243 |
| Tier 1 risk-based capital ratio | 3.6274% | 7,256 |
| Total risk-based capital ratio | 4.8832% | 7,257 |
| Memoranda: | ||
| Average total assets | $326,178,500 | 1,996 |
| Average earning assets | $262,038,000 | 2,264 |
| Average equity | $9,999,500 | 5,044 |
| Average total loans | $221,144,000 | 1,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 5,836 |
| Cost of funding earning assets | 1.5796% | 518 |
| Net interest margin | 2.6964% | 6,925 |
| Noninterest income to average assets | -0.1392% | 7,126 |
| Noninterest expense to average assets | 2.8609% | 4,123 |
| Loan and lease loss provision to assets | 1.0459% | 890 |
| Net operating income to assets | -1.8911% | 7,010 |
| Return on assets (ROA) | -1.8268% | 7,012 |
| Pretax return on assets | -1.8268% | 6,988 |
| Return on Equity (ROE) | -42.4073% | 7,172 |
| Retained earnings to average equity (ytd only) | -42.4073% | 7,169 |
| Net charge-offs to loans | 0.9106% | 1,906 |
| Credit loss provision to net charge-offs | 168.6465% | 1,595 |
| Earnings coverage of net charge-offs (x) | -1.3627% | 6,237 |
| Efficiency ratio | 141.9263% | 167 |
| Assets per employee ($millions) | 4.1487% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 2,281 |
| Loan loss allowance to noncurrent loans | 10.7166% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 30.1440% | 9 |
| Noncurrent loans to loans | 18.6560% | 65 |
| Net loans and leases to total assets | 67.1647% | 2,545 |
| Net loans and leases to deposits | 69.6181% | 4,167 |
| Net loans and leases to core deposits | 74.1407% | 4,220 |
| Total domestic deposits to total assets | 96.4759% | 29 |
| Equity capital to assets | 3.1922% | 7,266 |
| Core capital (leverage) ratio | 3.0534% | 7,264 |
| Tier 1 risk-based capital ratio | 3.8322% | 7,285 |
| Total risk-based capital ratio | 5.0810% | 7,287 |
| Memoranda: | ||
| Average total assets | $331,186,000 | 1,949 |
| Average earning assets | $264,683,200 | 2,210 |
| Average equity | $14,266,400 | 4,053 |
| Average total loans | $225,553,400 | 1,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 6,022 |
| Cost of funding earning assets | 1.6256% | 521 |
| Net interest margin | 2.6478% | 7,034 |
| Noninterest income to average assets | 0.5820% | 3,283 |
| Noninterest expense to average assets | 3.0766% | 3,250 |
| Loan and lease loss provision to assets | 0.2454% | 3,552 |
| Net operating income to assets | -0.6249% | 6,712 |
| Return on assets (ROA) | -0.5528% | 6,711 |
| Pretax return on assets | -0.5528% | 6,656 |
| Return on Equity (ROE) | -12.0736% | 6,951 |
| Retained earnings to average equity (ytd only) | -12.0736% | 6,922 |
| Net charge-offs to loans | 0.6275% | 2,367 |
| Credit loss provision to net charge-offs | 57.5047% | 4,864 |
| Earnings coverage of net charge-offs (x) | -0.8893% | 5,918 |
| Efficiency ratio | 114.0695% | 372 |
| Assets per employee ($millions) | 4.3858% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,672 |
| Loan loss allowance to noncurrent loans | 4.9392% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 33.7045% | 3 |
| Noncurrent loans to loans | 23.3237% | 36 |
| Net loans and leases to total assets | 67.0664% | 2,661 |
| Net loans and leases to deposits | 70.6494% | 4,193 |
| Net loans and leases to core deposits | 75.1871% | 4,297 |
| Total domestic deposits to total assets | 94.9285% | 54 |
| Equity capital to assets | 4.5258% | 7,291 |
| Core capital (leverage) ratio | 4.4404% | 7,279 |
| Tier 1 risk-based capital ratio | 5.4901% | 7,314 |
| Total risk-based capital ratio | 6.4512% | 7,319 |
| Memoranda: | ||
| Average total assets | $333,082,500 | 1,953 |
| Average earning assets | $266,072,750 | 2,203 |
| Average equity | $15,250,500 | 3,872 |
| Average total loans | $226,497,000 | 1,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 6,318 |
| Cost of funding earning assets | 1.6757% | 515 |
| Net interest margin | 2.5069% | 7,183 |
| Noninterest income to average assets | 0.5083% | 3,794 |
| Noninterest expense to average assets | 3.0580% | 3,396 |
| Loan and lease loss provision to assets | 0.1878% | 4,036 |
| Net operating income to assets | -0.7391% | 6,838 |
| Return on assets (ROA) | -0.7391% | 6,854 |
| Pretax return on assets | -0.7391% | 6,796 |
| Return on Equity (ROE) | -16.0815% | 7,090 |
| Retained earnings to average equity (ytd only) | -16.0815% | 7,066 |
| Net charge-offs to loans | 0.0975% | 4,703 |
| Credit loss provision to net charge-offs | 282.8829% | 1,081 |
| Earnings coverage of net charge-offs (x) | -8.3063% | 5,822 |
| Efficiency ratio | 121.9943% | 324 |
| Assets per employee ($millions) | 4.9846% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 4,461 |
| Loan loss allowance to noncurrent loans | 5.5788% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 34.9791% | 4 |
| Noncurrent loans to loans | 25.5360% | 28 |
| Net loans and leases to total assets | 66.8807% | 2,842 |
| Net loans and leases to deposits | 70.4316% | 4,379 |
| Net loans and leases to core deposits | 74.6291% | 4,492 |
| Total domestic deposits to total assets | 94.9582% | 53 |
| Equity capital to assets | 4.5246% | 7,354 |
| Core capital (leverage) ratio | 4.4391% | 7,340 |
| Tier 1 risk-based capital ratio | 5.5002% | 7,379 |
| Total risk-based capital ratio | 6.6975% | 7,385 |
| Memoranda: | ||
| Average total assets | $334,465,000 | 1,952 |
| Average earning assets | $266,628,330 | 2,206 |
| Average equity | $15,371,670 | 3,844 |
| Average total loans | $227,604,000 | 1,860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 6,328 |
| Cost of funding earning assets | 1.7578% | 436 |
| Net interest margin | 2.4206% | 7,245 |
| Noninterest income to average assets | 0.4864% | 4,004 |
| Noninterest expense to average assets | 2.8251% | 4,353 |
| Loan and lease loss provision to assets | 0.3585% | 2,404 |
| Net operating income to assets | -0.7768% | 6,949 |
| Return on assets (ROA) | -0.7768% | 6,959 |
| Pretax return on assets | -0.7768% | 6,907 |
| Return on Equity (ROE) | -16.7720% | 7,180 |
| Retained earnings to average equity (ytd only) | -16.7720% | 7,087 |
| Net charge-offs to loans | 0.1718% | 3,456 |
| Credit loss provision to net charge-offs | 306.1224% | 1,050 |
| Earnings coverage of net charge-offs (x) | -3.5714% | 5,000 |
| Efficiency ratio | 117.3784% | 376 |
| Assets per employee ($millions) | 5.2987% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,552 |
| Loan loss allowance to noncurrent loans | 5.7361% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 35.0325% | 3 |
| Noncurrent loans to loans | 24.8087% | 35 |
| Net loans and leases to total assets | 66.9428% | 2,772 |
| Net loans and leases to deposits | 70.4761% | 4,273 |
| Net loans and leases to core deposits | 74.6003% | 4,475 |
| Total domestic deposits to total assets | 94.9865% | 55 |
| Equity capital to assets | 4.5614% | 7,403 |
| Core capital (leverage) ratio | 4.6182% | 7,385 |
| Tier 1 risk-based capital ratio | 5.6700% | 7,432 |
| Total risk-based capital ratio | 6.8565% | 7,436 |
| Memoranda: | ||
| Average total assets | $334,712,000 | 1,959 |
| Average earning assets | $265,557,500 | 2,231 |
| Average equity | $15,502,000 | 3,811 |
| Average total loans | $228,111,000 | 1,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 6,463 |
| Cost of funding earning assets | 2.4180% | 142 |
| Net interest margin | 2.0529% | 7,446 |
| Noninterest income to average assets | 0.4623% | 4,426 |
| Noninterest expense to average assets | 3.1667% | 3,203 |
| Loan and lease loss provision to assets | 1.5325% | 962 |
| Net operating income to assets | -2.6048% | 7,208 |
| Return on assets (ROA) | -2.5246% | 7,202 |
| Pretax return on assets | -2.5246% | 7,172 |
| Return on Equity (ROE) | -43.5822% | 7,383 |
| Retained earnings to average equity (ytd only) | -43.5822% | 7,377 |
| Net charge-offs to loans | 3.0039% | 552 |
| Credit loss provision to net charge-offs | 73.0722% | 5,791 |
| Earnings coverage of net charge-offs (x) | -0.5113% | 6,463 |
| Efficiency ratio | 151.1958% | 206 |
| Assets per employee ($millions) | 4.7943% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,906 |
| Loan loss allowance to noncurrent loans | 6.2398% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 32.3385% | 4 |
| Noncurrent loans to loans | 21.1213% | 62 |
| Net loans and leases to total assets | 67.4911% | 3,105 |
| Net loans and leases to deposits | 71.0963% | 4,670 |
| Net loans and leases to core deposits | 76.0214% | 4,714 |
| Total domestic deposits to total assets | 94.9291% | 61 |
| Equity capital to assets | 4.7011% | 7,458 |
| Core capital (leverage) ratio | 4.7720% | 7,434 |
| Tier 1 risk-based capital ratio | 5.8548% | 7,485 |
| Total risk-based capital ratio | 6.9571% | 7,500 |
| Memoranda: | ||
| Average total assets | $349,356,800 | 1,872 |
| Average earning assets | $277,754,600 | 2,133 |
| Average equity | $20,237,600 | 3,118 |
| Average total loans | $243,914,800 | 1,796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 6,477 |
| Cost of funding earning assets | 2.5520% | 118 |
| Net interest margin | 1.9932% | 7,582 |
| Noninterest income to average assets | 0.4082% | 4,895 |
| Noninterest expense to average assets | 3.5831% | 1,828 |
| Loan and lease loss provision to assets | 1.9063% | 643 |
| Net operating income to assets | -3.4962% | 7,519 |
| Return on assets (ROA) | -3.3904% | 7,518 |
| Pretax return on assets | -3.3904% | 7,484 |
| Return on Equity (ROE) | -56.0163% | 7,589 |
| Retained earnings to average equity (ytd only) | -56.0163% | 7,587 |
| Net charge-offs to loans | 3.4659% | 395 |
| Credit loss provision to net charge-offs | 78.3960% | 5,187 |
| Earnings coverage of net charge-offs (x) | -0.6539% | 6,375 |
| Efficiency ratio | 179.7687% | 115 |
| Assets per employee ($millions) | 4.6650% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,823 |
| Loan loss allowance to noncurrent loans | 7.6250% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 31.0495% | 6 |
| Noncurrent loans to loans | 20.0807% | 72 |
| Net loans and leases to total assets | 69.0634% | 2,966 |
| Net loans and leases to deposits | 73.1428% | 4,662 |
| Net loans and leases to core deposits | 78.3787% | 4,758 |
| Total domestic deposits to total assets | 94.4227% | 57 |
| Equity capital to assets | 4.7759% | 7,595 |
| Core capital (leverage) ratio | 4.6091% | 7,586 |
| Tier 1 risk-based capital ratio | 5.7279% | 7,613 |
| Total risk-based capital ratio | 6.9775% | 7,616 |
| Memoranda: | ||
| Average total assets | $352,795,250 | 1,877 |
| Average earning assets | $280,553,500 | 2,140 |
| Average equity | $21,352,750 | 2,999 |
| Average total loans | $247,511,750 | 1,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 6,776 |
| Cost of funding earning assets | 2.6827% | 99 |
| Net interest margin | 1.7798% | 7,698 |
| Noninterest income to average assets | 0.3705% | 5,178 |
| Noninterest expense to average assets | 2.8424% | 4,302 |
| Loan and lease loss provision to assets | 1.0395% | 1,400 |
| Net operating income to assets | -2.0980% | 7,334 |
| Return on assets (ROA) | -2.0980% | 7,341 |
| Pretax return on assets | -2.0980% | 7,267 |
| Return on Equity (ROE) | -32.5213% | 7,462 |
| Retained earnings to average equity (ytd only) | -32.5213% | 7,452 |
| Net charge-offs to loans | 0.5567% | 2,865 |
| Credit loss provision to net charge-offs | 266.1429% | 1,425 |
| Earnings coverage of net charge-offs (x) | -2.7100% | 6,247 |
| Efficiency ratio | 159.3369% | 178 |
| Assets per employee ($millions) | 5.4593% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5052% | 1,293 |
| Loan loss allowance to noncurrent loans | 12.6437% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 29.9443% | 10 |
| Noncurrent loans to loans | 19.8142% | 90 |
| Net loans and leases to total assets | 67.5668% | 3,480 |
| Net loans and leases to deposits | 72.4109% | 4,927 |
| Net loans and leases to core deposits | 84.0914% | 4,131 |
| Total domestic deposits to total assets | 93.3102% | 101 |
| Equity capital to assets | 6.0092% | 7,539 |
| Core capital (leverage) ratio | 5.9250% | 7,492 |
| Tier 1 risk-based capital ratio | 7.3612% | 7,570 |
| Total risk-based capital ratio | 8.6221% | 7,578 |
| Memoranda: | ||
| Average total assets | $358,434,670 | 1,866 |
| Average earning assets | $284,636,330 | 2,119 |
| Average equity | $23,123,330 | 2,779 |
| Average total loans | $251,490,670 | 1,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,486 |
| Cost of funding earning assets | 2.8141% | 81 |
| Net interest margin | 2.0801% | 7,694 |
| Noninterest income to average assets | 0.3431% | 5,396 |
| Noninterest expense to average assets | 2.8760% | 4,161 |
| Loan and lease loss provision to assets | 0.5041% | 2,481 |
| Net operating income to assets | -1.4069% | 7,297 |
| Return on assets (ROA) | -1.4069% | 7,309 |
| Pretax return on assets | -1.4069% | 7,227 |
| Return on Equity (ROE) | -21.0964% | 7,459 |
| Retained earnings to average equity (ytd only) | -21.0964% | 7,400 |
| Net charge-offs to loans | 0.9580% | 1,698 |
| Credit loss provision to net charge-offs | 74.5484% | 4,002 |
| Earnings coverage of net charge-offs (x) | -1.3350% | 5,416 |
| Efficiency ratio | 145.7513% | 227 |
| Assets per employee ($millions) | 5.4969% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 2,287 |
| Loan loss allowance to noncurrent loans | 13.0102% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 26.7838% | 16 |
| Noncurrent loans to loans | 15.0502% | 179 |
| Net loans and leases to total assets | 67.8546% | 3,424 |
| Net loans and leases to deposits | 73.0939% | 4,887 |
| Net loans and leases to core deposits | 86.3429% | 3,843 |
| Total domestic deposits to total assets | 92.8320% | 135 |
| Equity capital to assets | 6.5864% | 7,506 |
| Core capital (leverage) ratio | 6.5713% | 7,439 |
| Tier 1 risk-based capital ratio | 8.0630% | 7,603 |
| Total risk-based capital ratio | 9.3148% | 7,611 |
| Memoranda: | ||
| Average total assets | $360,224,500 | 1,901 |
| Average earning assets | $282,296,500 | 2,193 |
| Average equity | $24,023,000 | 2,716 |
| Average total loans | $254,273,500 | 1,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 6,267 |
| Cost of funding earning assets | 3.2736% | 97 |
| Net interest margin | 1.7760% | 7,812 |
| Noninterest income to average assets | 0.4490% | 4,819 |
| Noninterest expense to average assets | 3.5213% | 2,324 |
| Loan and lease loss provision to assets | 2.4969% | 795 |
| Net operating income to assets | -4.0753% | 7,618 |
| Return on assets (ROA) | -3.9213% | 7,591 |
| Pretax return on assets | -3.9213% | 7,507 |
| Return on Equity (ROE) | -48.9745% | 7,675 |
| Retained earnings to average equity (ytd only) | -48.9745% | 7,668 |
| Net charge-offs to loans | 3.6937% | 504 |
| Credit loss provision to net charge-offs | 92.3969% | 5,925 |
| Earnings coverage of net charge-offs (x) | -0.5841% | 6,742 |
| Efficiency ratio | 181.2416% | 181 |
| Assets per employee ($millions) | 4.9074% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 2,228 |
| Loan loss allowance to noncurrent loans | 11.1225% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 25.2851% | 21 |
| Noncurrent loans to loans | 17.1961% | 111 |
| Net loans and leases to total assets | 70.5671% | 3,109 |
| Net loans and leases to deposits | 76.0584% | 4,737 |
| Net loans and leases to core deposits | 102.1790% | 3,786 |
| Total domestic deposits to total assets | 92.7801% | 154 |
| Equity capital to assets | 6.7501% | 7,478 |
| Core capital (leverage) ratio | 6.6037% | 7,446 |
| Tier 1 risk-based capital ratio | 8.1775% | 7,625 |
| Total risk-based capital ratio | 9.4244% | 7,643 |
| Memoranda: | ||
| Average total assets | $383,038,600 | 1,786 |
| Average earning assets | $322,186,200 | 1,931 |
| Average equity | $30,669,000 | 2,185 |
| Average total loans | $280,232,600 | 1,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 5,695 |
| Cost of funding earning assets | 3.3290% | 120 |
| Net interest margin | 1.9194% | 7,845 |
| Noninterest income to average assets | 0.3508% | 5,685 |
| Noninterest expense to average assets | 2.9263% | 4,332 |
| Loan and lease loss provision to assets | 1.6941% | 1,094 |
| Net operating income to assets | -2.6329% | 7,494 |
| Return on assets (ROA) | -2.4951% | 7,465 |
| Pretax return on assets | -2.4951% | 7,346 |
| Return on Equity (ROE) | -30.0580% | 7,610 |
| Retained earnings to average equity (ytd only) | -30.0580% | 7,597 |
| Net charge-offs to loans | 1.0026% | 1,965 |
| Credit loss provision to net charge-offs | 230.0513% | 1,897 |
| Earnings coverage of net charge-offs (x) | -1.2749% | 6,676 |
| Efficiency ratio | 147.2337% | 333 |
| Assets per employee ($millions) | 4.6996% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1357% | 596 |
| Loan loss allowance to noncurrent loans | 24.0928% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 22.6204% | 33 |
| Noncurrent loans to loans | 13.0150% | 224 |
| Net loans and leases to total assets | 70.4234% | 3,410 |
| Net loans and leases to deposits | 76.5712% | 4,954 |
| Net loans and leases to core deposits | 103.8273% | 3,959 |
| Total domestic deposits to total assets | 91.9711% | 183 |
| Equity capital to assets | 7.3584% | 7,392 |
| Core capital (leverage) ratio | 7.1376% | 7,325 |
| Tier 1 risk-based capital ratio | 8.7368% | 7,704 |
| Total risk-based capital ratio | 10.0052% | 7,733 |
| Memoranda: | ||
| Average total assets | $388,010,500 | 1,778 |
| Average earning assets | $330,866,750 | 1,894 |
| Average equity | $32,208,000 | 2,089 |
| Average total loans | $284,975,250 | 1,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 4,200 |
| Cost of funding earning assets | 3.3471% | 169 |
| Net interest margin | 2.2255% | 7,735 |
| Noninterest income to average assets | 0.3882% | 5,394 |
| Noninterest expense to average assets | 2.8820% | 4,573 |
| Loan and lease loss provision to assets | 1.8994% | 865 |
| Net operating income to assets | -2.4708% | 7,549 |
| Return on assets (ROA) | -2.3585% | 7,522 |
| Pretax return on assets | -2.3585% | 7,383 |
| Return on Equity (ROE) | -27.4180% | 7,672 |
| Retained earnings to average equity (ytd only) | -27.4180% | 7,645 |
| Net charge-offs to loans | 1.3938% | 1,345 |
| Credit loss provision to net charge-offs | 184.9478% | 2,476 |
| Earnings coverage of net charge-offs (x) | -0.5564% | 6,102 |
| Efficiency ratio | 124.7295% | 592 |
| Assets per employee ($millions) | 5.3344% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6793% | 765 |
| Loan loss allowance to noncurrent loans | 26.3012% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 19.1108% | 44 |
| Noncurrent loans to loans | 10.1868% | 340 |
| Net loans and leases to total assets | 69.9026% | 3,723 |
| Net loans and leases to deposits | 76.5540% | 5,092 |
| Net loans and leases to core deposits | 103.9442% | 4,067 |
| Total domestic deposits to total assets | 91.3115% | 370 |
| Equity capital to assets | 7.8043% | 6,972 |
| Core capital (leverage) ratio | 7.6005% | 6,901 |
| Tier 1 risk-based capital ratio | 9.3556% | 7,506 |
| Total risk-based capital ratio | 10.6189% | 7,473 |
| Memoranda: | ||
| Average total assets | $392,025,330 | 1,791 |
| Average earning assets | $338,623,670 | 1,872 |
| Average equity | $33,722,330 | 2,012 |
| Average total loans | $288,854,000 | 1,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7889% | 3,359 |
| Cost of funding earning assets | 3.3211% | 256 |
| Net interest margin | 2.4678% | 7,539 |
| Noninterest income to average assets | 0.3803% | 5,380 |
| Noninterest expense to average assets | 2.4153% | 6,140 |
| Loan and lease loss provision to assets | 0.9203% | 1,414 |
| Net operating income to assets | -0.7993% | 7,125 |
| Return on assets (ROA) | -0.7586% | 7,139 |
| Pretax return on assets | -0.7586% | 7,009 |
| Return on Equity (ROE) | -8.4322% | 7,264 |
| Retained earnings to average equity (ytd only) | -8.4322% | 6,954 |
| Net charge-offs to loans | 0.8261% | 1,570 |
| Credit loss provision to net charge-offs | 149.3399% | 2,803 |
| Earnings coverage of net charge-offs (x) | 0.1964% | 4,822 |
| Efficiency ratio | 95.2285% | 1,365 |
| Assets per employee ($millions) | 4.7056% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 1,227 |
| Loan loss allowance to noncurrent loans | 32.9113% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 13.8532% | 99 |
| Noncurrent loans to loans | 6.3902% | 710 |
| Net loans and leases to total assets | 71.6362% | 3,315 |
| Net loans and leases to deposits | 79.7507% | 4,651 |
| Net loans and leases to core deposits | 110.0895% | 3,424 |
| Total domestic deposits to total assets | 89.8252% | 876 |
| Equity capital to assets | 8.8119% | 5,604 |
| Core capital (leverage) ratio | 8.5737% | 5,384 |
| Tier 1 risk-based capital ratio | 10.5014% | 6,396 |
| Total risk-based capital ratio | 11.7585% | 6,298 |
| Memoranda: | ||
| Average total assets | $393,331,500 | 1,789 |
| Average earning assets | $343,626,000 | 1,859 |
| Average equity | $35,388,000 | 1,933 |
| Average total loans | $293,429,000 | 1,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5674% | 2,634 |
| Cost of funding earning assets | 3.6495% | 317 |
| Net interest margin | 2.9179% | 7,116 |
| Noninterest income to average assets | 0.6588% | 3,409 |
| Noninterest expense to average assets | 2.1164% | 7,198 |
| Loan and lease loss provision to assets | 1.2938% | 1,099 |
| Net operating income to assets | -0.1312% | 6,538 |
| Return on assets (ROA) | -0.0922% | 6,335 |
| Pretax return on assets | -0.0922% | 6,261 |
| Return on Equity (ROE) | -1.0037% | 6,366 |
| Retained earnings to average equity (ytd only) | -2.7636% | 6,045 |
| Net charge-offs to loans | 1.7251% | 640 |
| Credit loss provision to net charge-offs | 96.7917% | 5,487 |
| Earnings coverage of net charge-offs (x) | 0.8697% | 5,707 |
| Efficiency ratio | 64.5446% | 5,438 |
| Assets per employee ($millions) | 5.0830% | 1,864 |
| Cash dividends to net income (ytd only)* | -175.3501% | 8,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 1,329 |
| Loan loss allowance to noncurrent loans | 32.6043% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 12.4696% | 99 |
| Noncurrent loans to loans | 5.9607% | 605 |
| Net loans and leases to total assets | 74.5630% | 2,972 |
| Net loans and leases to deposits | 83.5774% | 4,486 |
| Net loans and leases to core deposits | 116.4217% | 3,072 |
| Total domestic deposits to total assets | 89.2144% | 956 |
| Equity capital to assets | 9.1839% | 5,106 |
| Core capital (leverage) ratio | 8.9406% | 4,829 |
| Tier 1 risk-based capital ratio | 10.5929% | 6,113 |
| Total risk-based capital ratio | 11.7008% | 6,139 |
| Memoranda: | ||
| Average total assets | $387,071,400 | 1,750 |
| Average earning assets | $347,578,400 | 1,778 |
| Average equity | $35,570,000 | 1,897 |
| Average total loans | $299,929,600 | 1,609 |