Home > Eastside Commercial Bank > Performance and Condition Ratios
Eastside Commercial Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2221% | 5,920 |
| Cost of funding earning assets | 0.6950% | 1,214 |
| Net interest margin | 2.5270% | 6,240 |
| Noninterest income to average assets | -0.4959% | 6,648 |
| Noninterest expense to average assets | 2.3824% | 4,930 |
| Loan and lease loss provision to assets | 1.0818% | 92 |
| Net operating income to assets | -1.6596% | 6,582 |
| Return on assets (ROA) | -1.6596% | 6,580 |
| Pretax return on assets | -1.6596% | 6,572 |
| Return on Equity (ROE) | -142.7802% | 6,650 |
| Retained earnings to average equity (ytd only) | -142.7802% | 6,650 |
| Net charge-offs to loans | 3.3144% | 42 |
| Credit loss provision to net charge-offs | 51.0768% | 2,779 |
| Earnings coverage of net charge-offs (x) | -0.2728% | 4,160 |
| Efficiency ratio | 132.0156% | 92 |
| Assets per employee ($millions) | 10.2321% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 1,116 |
| Loan loss allowance to noncurrent loans | 20.1067% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 13.9854% | 45 |
| Noncurrent loans to loans | 10.6114% | 69 |
| Net loans and leases to total assets | 60.6504% | 3,609 |
| Net loans and leases to deposits | 63.2204% | 4,571 |
| Net loans and leases to core deposits | 64.7957% | 4,744 |
| Total domestic deposits to total assets | 95.9349% | 18 |
| Equity capital to assets | 0.9405% | 6,656 |
| Core capital (leverage) ratio | 1.3889% | 6,654 |
| Tier 1 risk-based capital ratio | 2.0154% | 6,654 |
| Total risk-based capital ratio | 3.2739% | 6,654 |
| Memoranda: | ||
| Average total assets | $171,007,330 | 3,374 |
| Average earning assets | $155,675,670 | 3,380 |
| Average equity | $1,987,670 | 6,536 |
| Average total loans | $109,282,000 | 3,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2487% | 5,934 |
| Cost of funding earning assets | 0.6965% | 1,266 |
| Net interest margin | 2.5522% | 6,283 |
| Noninterest income to average assets | -0.5875% | 6,719 |
| Noninterest expense to average assets | 2.2673% | 5,282 |
| Loan and lease loss provision to assets | 1.2976% | 81 |
| Net operating income to assets | -1.8356% | 6,651 |
| Return on assets (ROA) | -1.8356% | 6,647 |
| Pretax return on assets | -1.8356% | 6,632 |
| Return on Equity (ROE) | -143.8410% | 6,721 |
| Retained earnings to average equity (ytd only) | -143.8410% | 6,720 |
| Net charge-offs to loans | 5.5261% | 21 |
| Credit loss provision to net charge-offs | 36.1842% | 2,342 |
| Earnings coverage of net charge-offs (x) | -0.1500% | 3,445 |
| Efficiency ratio | 131.1050% | 116 |
| Assets per employee ($millions) | 9.9424% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 1,441 |
| Loan loss allowance to noncurrent loans | 17.8465% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 15.4223% | 39 |
| Noncurrent loans to loans | 11.4360% | 74 |
| Net loans and leases to total assets | 62.9283% | 3,084 |
| Net loans and leases to deposits | 65.8099% | 4,120 |
| Net loans and leases to core deposits | 67.9295% | 4,323 |
| Total domestic deposits to total assets | 95.6213% | 24 |
| Equity capital to assets | 1.1436% | 6,725 |
| Core capital (leverage) ratio | 1.7783% | 6,725 |
| Tier 1 risk-based capital ratio | 2.5181% | 6,724 |
| Total risk-based capital ratio | 3.7755% | 6,723 |
| Memoranda: | ||
| Average total assets | $169,538,000 | 3,416 |
| Average earning assets | $153,907,000 | 3,438 |
| Average equity | $2,163,500 | 6,580 |
| Average total loans | $110,023,500 | 3,262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 5,803 |
| Cost of funding earning assets | 0.7802% | 1,322 |
| Net interest margin | 2.6383% | 6,215 |
| Noninterest income to average assets | -0.2364% | 6,769 |
| Noninterest expense to average assets | 2.1716% | 5,691 |
| Loan and lease loss provision to assets | 0.3236% | 1,012 |
| Net operating income to assets | -0.3337% | 6,433 |
| Return on assets (ROA) | -0.3337% | 6,447 |
| Pretax return on assets | -0.3337% | 6,426 |
| Return on Equity (ROE) | -16.1668% | 6,656 |
| Retained earnings to average equity (ytd only) | -16.1668% | 6,632 |
| Net charge-offs to loans | 0.6681% | 971 |
| Credit loss provision to net charge-offs | 73.6236% | 3,212 |
| Earnings coverage of net charge-offs (x) | -0.0230% | 5,096 |
| Efficiency ratio | 100.4686% | 465 |
| Assets per employee ($millions) | 9.4475% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8591% | 552 |
| Loan loss allowance to noncurrent loans | 22.9959% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 16.4270% | 36 |
| Noncurrent loans to loans | 12.4331% | 65 |
| Net loans and leases to total assets | 63.6747% | 3,101 |
| Net loans and leases to deposits | 67.3873% | 4,133 |
| Net loans and leases to core deposits | 69.4182% | 4,359 |
| Total domestic deposits to total assets | 94.4906% | 60 |
| Equity capital to assets | 1.4078% | 6,799 |
| Core capital (leverage) ratio | 2.1627% | 6,793 |
| Tier 1 risk-based capital ratio | 3.0776% | 6,793 |
| Total risk-based capital ratio | 4.3441% | 6,793 |
| Memoranda: | ||
| Average total assets | $177,700,000 | 3,297 |
| Average earning assets | $161,504,200 | 3,317 |
| Average equity | $3,668,000 | 6,397 |
| Average total loans | $116,907,000 | 3,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,799 |
| Cost of funding earning assets | 0.7951% | 1,354 |
| Net interest margin | 2.6458% | 6,257 |
| Noninterest income to average assets | -0.2487% | 6,842 |
| Noninterest expense to average assets | 2.0919% | 5,848 |
| Loan and lease loss provision to assets | -0.1856% | 6,711 |
| Net operating income to assets | 0.2509% | 5,777 |
| Return on assets (ROA) | 0.2509% | 5,872 |
| Pretax return on assets | 0.2509% | 5,969 |
| Return on Equity (ROE) | 11.3047% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.3047% | 521 |
| Net charge-offs to loans | 0.6403% | 957 |
| Credit loss provision to net charge-offs | -44.0141% | 5,699 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 4,811 |
| Efficiency ratio | 96.9718% | 577 |
| Assets per employee ($millions) | 10.5599% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 1,230 |
| Loan loss allowance to noncurrent loans | 19.9226% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 15.1756% | 52 |
| Noncurrent loans to loans | 11.3673% | 98 |
| Net loans and leases to total assets | 61.8796% | 3,383 |
| Net loans and leases to deposits | 65.1555% | 4,387 |
| Net loans and leases to core deposits | 67.0876% | 4,612 |
| Total domestic deposits to total assets | 94.9721% | 42 |
| Equity capital to assets | 1.9073% | 6,877 |
| Core capital (leverage) ratio | 2.6595% | 6,863 |
| Tier 1 risk-based capital ratio | 3.7456% | 6,869 |
| Total risk-based capital ratio | 5.0049% | 6,869 |
| Memoranda: | ||
| Average total assets | $179,611,250 | 3,302 |
| Average earning assets | $163,324,000 | 3,328 |
| Average equity | $3,986,500 | 6,406 |
| Average total loans | $118,266,500 | 3,091 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 5,756 |
| Cost of funding earning assets | 0.8096% | 1,370 |
| Net interest margin | 2.6567% | 6,248 |
| Noninterest income to average assets | -0.4097% | 6,898 |
| Noninterest expense to average assets | 2.0274% | 5,994 |
| Loan and lease loss provision to assets | -0.3340% | 6,842 |
| Net operating income to assets | 0.3117% | 5,565 |
| Return on assets (ROA) | 0.3117% | 5,710 |
| Pretax return on assets | 0.3117% | 5,845 |
| Return on Equity (ROE) | 13.4164% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.4164% | 341 |
| Net charge-offs to loans | 0.6544% | 999 |
| Credit loss provision to net charge-offs | -76.5306% | 5,579 |
| Earnings coverage of net charge-offs (x) | -0.0510% | 4,565 |
| Efficiency ratio | 101.1105% | 453 |
| Assets per employee ($millions) | 10.3974% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 1,277 |
| Loan loss allowance to noncurrent loans | 20.9023% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 15.7042% | 50 |
| Noncurrent loans to loans | 10.9508% | 118 |
| Net loans and leases to total assets | 65.2310% | 2,725 |
| Net loans and leases to deposits | 69.7227% | 3,753 |
| Net loans and leases to core deposits | 72.1006% | 4,024 |
| Total domestic deposits to total assets | 93.5577% | 83 |
| Equity capital to assets | 2.2359% | 6,926 |
| Core capital (leverage) ratio | 2.6285% | 6,914 |
| Tier 1 risk-based capital ratio | 3.5947% | 6,920 |
| Total risk-based capital ratio | 4.8548% | 6,920 |
| Memoranda: | ||
| Average total assets | $179,642,330 | 3,315 |
| Average earning assets | $163,288,000 | 3,344 |
| Average equity | $4,174,000 | 6,411 |
| Average total loans | $119,802,330 | 3,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3457% | 6,051 |
| Cost of funding earning assets | 0.8206% | 1,414 |
| Net interest margin | 2.5251% | 6,476 |
| Noninterest income to average assets | -0.7731% | 6,999 |
| Noninterest expense to average assets | 2.0189% | 6,065 |
| Loan and lease loss provision to assets | 0.3313% | 1,013 |
| Net operating income to assets | -0.8261% | 6,770 |
| Return on assets (ROA) | -0.8261% | 6,783 |
| Pretax return on assets | -0.8261% | 6,760 |
| Return on Equity (ROE) | -34.9125% | 6,941 |
| Retained earnings to average equity (ytd only) | -34.9125% | 6,915 |
| Net charge-offs to loans | 0.5103% | 1,179 |
| Credit loss provision to net charge-offs | 97.4026% | 1,910 |
| Earnings coverage of net charge-offs (x) | -1.4545% | 3,994 |
| Efficiency ratio | 132.4638% | 136 |
| Assets per employee ($millions) | 10.5775% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8252% | 798 |
| Loan loss allowance to noncurrent loans | 23.9875% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 15.6831% | 67 |
| Noncurrent loans to loans | 11.7780% | 141 |
| Net loans and leases to total assets | 64.8050% | 2,570 |
| Net loans and leases to deposits | 69.7933% | 3,514 |
| Net loans and leases to core deposits | 72.5914% | 3,749 |
| Total domestic deposits to total assets | 92.8528% | 138 |
| Equity capital to assets | 2.2767% | 7,000 |
| Core capital (leverage) ratio | 2.2196% | 6,997 |
| Tier 1 risk-based capital ratio | 3.0614% | 6,995 |
| Total risk-based capital ratio | 4.3274% | 6,995 |
| Memoranda: | ||
| Average total assets | $181,086,000 | 3,333 |
| Average earning assets | $164,748,500 | 3,362 |
| Average equity | $4,285,000 | 6,450 |
| Average total loans | $120,703,500 | 3,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4249% | 6,454 |
| Cost of funding earning assets | 0.9820% | 1,453 |
| Net interest margin | 2.4429% | 6,748 |
| Noninterest income to average assets | -1.2454% | 7,063 |
| Noninterest expense to average assets | 2.2203% | 5,881 |
| Loan and lease loss provision to assets | 1.1188% | 331 |
| Net operating income to assets | -2.3718% | 6,965 |
| Return on assets (ROA) | -2.3718% | 6,968 |
| Pretax return on assets | -2.3718% | 6,968 |
| Return on Equity (ROE) | -68.2410% | 7,047 |
| Retained earnings to average equity (ytd only) | -68.2410% | 7,046 |
| Net charge-offs to loans | 3.3360% | 124 |
| Credit loss provision to net charge-offs | 51.4861% | 4,663 |
| Earnings coverage of net charge-offs (x) | -0.5766% | 5,687 |
| Efficiency ratio | 229.5478% | 27 |
| Assets per employee ($millions) | 9.5976% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7929% | 824 |
| Loan loss allowance to noncurrent loans | 24.0860% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 15.7200% | 71 |
| Noncurrent loans to loans | 11.5954% | 161 |
| Net loans and leases to total assets | 64.7614% | 2,763 |
| Net loans and leases to deposits | 68.6272% | 3,886 |
| Net loans and leases to core deposits | 71.4268% | 4,114 |
| Total domestic deposits to total assets | 94.3670% | 56 |
| Equity capital to assets | 2.4546% | 7,054 |
| Core capital (leverage) ratio | 2.2822% | 7,055 |
| Tier 1 risk-based capital ratio | 3.2795% | 7,050 |
| Total risk-based capital ratio | 4.5449% | 7,050 |
| Memoranda: | ||
| Average total assets | $196,642,200 | 3,088 |
| Average earning assets | $178,105,600 | 3,113 |
| Average equity | $6,834,600 | 5,809 |
| Average total loans | $128,088,800 | 2,916 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 6,627 |
| Cost of funding earning assets | 1.0119% | 1,488 |
| Net interest margin | 2.3907% | 6,900 |
| Noninterest income to average assets | -1.4218% | 7,164 |
| Noninterest expense to average assets | 2.2302% | 5,882 |
| Loan and lease loss provision to assets | 0.7991% | 590 |
| Net operating income to assets | -2.2862% | 7,070 |
| Return on assets (ROA) | -2.2862% | 7,074 |
| Pretax return on assets | -2.2862% | 7,062 |
| Return on Equity (ROE) | -61.6523% | 7,140 |
| Retained earnings to average equity (ytd only) | -61.6523% | 7,136 |
| Net charge-offs to loans | 3.1745% | 165 |
| Credit loss provision to net charge-offs | 38.8475% | 4,637 |
| Earnings coverage of net charge-offs (x) | -0.7229% | 5,538 |
| Efficiency ratio | 300.0896% | 18 |
| Assets per employee ($millions) | 10.3860% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8675% | 830 |
| Loan loss allowance to noncurrent loans | 25.8062% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 14.0729% | 104 |
| Noncurrent loans to loans | 11.1118% | 200 |
| Net loans and leases to total assets | 58.3307% | 4,076 |
| Net loans and leases to deposits | 61.6222% | 5,007 |
| Net loans and leases to core deposits | 64.4839% | 5,102 |
| Total domestic deposits to total assets | 94.6586% | 49 |
| Equity capital to assets | 2.7677% | 7,141 |
| Core capital (leverage) ratio | 2.8224% | 7,137 |
| Tier 1 risk-based capital ratio | 4.1076% | 7,137 |
| Total risk-based capital ratio | 5.3742% | 7,137 |
| Memoranda: | ||
| Average total assets | $200,214,250 | 3,073 |
| Average earning assets | $181,307,500 | 3,102 |
| Average equity | $7,424,250 | 5,720 |
| Average total loans | $129,739,000 | 2,921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 6,545 |
| Cost of funding earning assets | 1.0836% | 1,296 |
| Net interest margin | 2.4668% | 6,921 |
| Noninterest income to average assets | -1.6276% | 7,233 |
| Noninterest expense to average assets | 2.3104% | 5,704 |
| Loan and lease loss provision to assets | 0.5058% | 1,247 |
| Net operating income to assets | -2.2194% | 7,093 |
| Return on assets (ROA) | -2.2194% | 7,103 |
| Pretax return on assets | -2.2194% | 7,091 |
| Return on Equity (ROE) | -54.9691% | 7,179 |
| Retained earnings to average equity (ytd only) | -54.9691% | 7,174 |
| Net charge-offs to loans | 3.4885% | 150 |
| Credit loss provision to net charge-offs | 21.8150% | 4,577 |
| Earnings coverage of net charge-offs (x) | -0.7391% | 5,273 |
| Efficiency ratio | 387.1186% | 11 |
| Assets per employee ($millions) | 9.3579% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 869 |
| Loan loss allowance to noncurrent loans | 25.0273% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 15.6935% | 87 |
| Noncurrent loans to loans | 11.5942% | 186 |
| Net loans and leases to total assets | 62.5438% | 3,330 |
| Net loans and leases to deposits | 67.4500% | 4,293 |
| Net loans and leases to core deposits | 70.8363% | 4,434 |
| Total domestic deposits to total assets | 92.7263% | 144 |
| Equity capital to assets | 3.5504% | 7,158 |
| Core capital (leverage) ratio | 3.4443% | 7,154 |
| Tier 1 risk-based capital ratio | 4.9223% | 7,167 |
| Total risk-based capital ratio | 6.1891% | 7,167 |
| Memoranda: | ||
| Average total assets | $197,712,670 | 3,110 |
| Average earning assets | $178,288,670 | 3,158 |
| Average equity | $7,982,670 | 5,576 |
| Average total loans | $131,405,000 | 2,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 6,496 |
| Cost of funding earning assets | 1.1135% | 1,330 |
| Net interest margin | 2.5497% | 6,917 |
| Noninterest income to average assets | -2.4769% | 7,302 |
| Noninterest expense to average assets | 2.3155% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.4971% | 7,191 |
| Return on assets (ROA) | -2.4971% | 7,193 |
| Pretax return on assets | -2.4971% | 7,175 |
| Return on Equity (ROE) | -58.3584% | 7,239 |
| Retained earnings to average equity (ytd only) | -58.3584% | 7,229 |
| Net charge-offs to loans | 0.6965% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.3133% | 4,666 |
| Efficiency ratio | -1,275.5556% | 7,303 |
| Assets per employee ($millions) | 9.5173% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9562% | 381 |
| Loan loss allowance to noncurrent loans | 32.9119% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 16.3061% | 87 |
| Noncurrent loans to loans | 12.0206% | 204 |
| Net loans and leases to total assets | 63.5512% | 2,934 |
| Net loans and leases to deposits | 67.7007% | 4,115 |
| Net loans and leases to core deposits | 71.9894% | 4,153 |
| Total domestic deposits to total assets | 93.8708% | 94 |
| Equity capital to assets | 3.8982% | 7,196 |
| Core capital (leverage) ratio | 3.9276% | 7,184 |
| Tier 1 risk-based capital ratio | 5.4173% | 7,194 |
| Total risk-based capital ratio | 6.6961% | 7,195 |
| Memoranda: | ||
| Average total assets | $198,311,500 | 3,129 |
| Average earning assets | $178,529,500 | 3,165 |
| Average equity | $8,485,500 | 5,438 |
| Average total loans | $133,817,000 | 2,875 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 6,339 |
| Cost of funding earning assets | 1.3208% | 1,389 |
| Net interest margin | 2.7401% | 6,895 |
| Noninterest income to average assets | -0.9597% | 7,319 |
| Noninterest expense to average assets | 2.1565% | 6,371 |
| Loan and lease loss provision to assets | 2.0471% | 282 |
| Net operating income to assets | -2.7223% | 7,142 |
| Return on assets (ROA) | -2.7223% | 7,152 |
| Pretax return on assets | -2.7223% | 7,151 |
| Return on Equity (ROE) | -48.7405% | 7,197 |
| Retained earnings to average equity (ytd only) | -48.7405% | 7,194 |
| Net charge-offs to loans | 1.7890% | 828 |
| Credit loss provision to net charge-offs | 163.5736% | 1,672 |
| Earnings coverage of net charge-offs (x) | -0.5395% | 6,092 |
| Efficiency ratio | 145.5782% | 158 |
| Assets per employee ($millions) | 9.8380% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0373% | 375 |
| Loan loss allowance to noncurrent loans | 43.6198% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 15.3741% | 105 |
| Noncurrent loans to loans | 9.2558% | 372 |
| Net loans and leases to total assets | 66.0300% | 2,778 |
| Net loans and leases to deposits | 71.1703% | 3,924 |
| Net loans and leases to core deposits | 75.4034% | 4,056 |
| Total domestic deposits to total assets | 92.7775% | 151 |
| Equity capital to assets | 4.6656% | 7,188 |
| Core capital (leverage) ratio | 4.3734% | 7,186 |
| Tier 1 risk-based capital ratio | 6.1628% | 7,198 |
| Total risk-based capital ratio | 7.4408% | 7,197 |
| Memoranda: | ||
| Average total assets | $208,393,400 | 2,965 |
| Average earning assets | $185,650,200 | 3,022 |
| Average equity | $11,639,200 | 4,628 |
| Average total loans | $145,781,000 | 2,700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 6,380 |
| Cost of funding earning assets | 1.3464% | 1,471 |
| Net interest margin | 2.7686% | 6,924 |
| Noninterest income to average assets | -1.0228% | 7,404 |
| Noninterest expense to average assets | 2.1744% | 6,333 |
| Loan and lease loss provision to assets | 2.4079% | 189 |
| Net operating income to assets | -3.1423% | 7,283 |
| Return on assets (ROA) | -3.1423% | 7,289 |
| Pretax return on assets | -3.1423% | 7,282 |
| Return on Equity (ROE) | -54.1850% | 7,304 |
| Retained earnings to average equity (ytd only) | -54.1850% | 7,300 |
| Net charge-offs to loans | 1.3515% | 1,124 |
| Credit loss provision to net charge-offs | 253.7234% | 1,129 |
| Earnings coverage of net charge-offs (x) | -0.7739% | 5,897 |
| Efficiency ratio | 151.0079% | 135 |
| Assets per employee ($millions) | 9.7602% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2843% | 318 |
| Loan loss allowance to noncurrent loans | 45.4883% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 15.6598% | 115 |
| Noncurrent loans to loans | 9.4185% | 396 |
| Net loans and leases to total assets | 66.7073% | 2,740 |
| Net loans and leases to deposits | 71.1033% | 4,125 |
| Net loans and leases to core deposits | 76.5895% | 4,116 |
| Total domestic deposits to total assets | 93.8175% | 93 |
| Equity capital to assets | 4.8399% | 7,272 |
| Core capital (leverage) ratio | 4.5919% | 7,269 |
| Tier 1 risk-based capital ratio | 6.3898% | 7,279 |
| Total risk-based capital ratio | 7.6739% | 7,277 |
| Memoranda: | ||
| Average total assets | $211,302,000 | 2,938 |
| Average earning assets | $187,959,750 | 2,997 |
| Average equity | $12,254,000 | 4,498 |
| Average total loans | $148,379,750 | 2,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 6,567 |
| Cost of funding earning assets | 1.3610% | 1,598 |
| Net interest margin | 2.6924% | 7,040 |
| Noninterest income to average assets | -1.1958% | 7,488 |
| Noninterest expense to average assets | 2.1835% | 6,424 |
| Loan and lease loss provision to assets | 2.4769% | 211 |
| Net operating income to assets | -3.4684% | 7,364 |
| Return on assets (ROA) | -3.4684% | 7,367 |
| Pretax return on assets | -3.4684% | 7,361 |
| Return on Equity (ROE) | -56.7986% | 7,361 |
| Retained earnings to average equity (ytd only) | -56.7986% | 7,358 |
| Net charge-offs to loans | 0.9146% | 1,703 |
| Credit loss provision to net charge-offs | 384.7162% | 783 |
| Earnings coverage of net charge-offs (x) | -1.5400% | 5,685 |
| Efficiency ratio | 183.1761% | 77 |
| Assets per employee ($millions) | 10.1527% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8126% | 467 |
| Loan loss allowance to noncurrent loans | 55.2203% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 14.1980% | 171 |
| Noncurrent loans to loans | 6.9044% | 759 |
| Net loans and leases to total assets | 68.2171% | 2,577 |
| Net loans and leases to deposits | 74.2636% | 3,760 |
| Net loans and leases to core deposits | 79.7398% | 3,820 |
| Total domestic deposits to total assets | 91.8581% | 269 |
| Equity capital to assets | 5.2058% | 7,311 |
| Core capital (leverage) ratio | 5.2330% | 7,283 |
| Tier 1 risk-based capital ratio | 6.7786% | 7,326 |
| Total risk-based capital ratio | 8.0568% | 7,330 |
| Memoranda: | ||
| Average total assets | $213,414,670 | 2,928 |
| Average earning assets | $189,273,330 | 3,008 |
| Average equity | $13,032,000 | 4,336 |
| Average total loans | $150,224,330 | 2,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 6,857 |
| Cost of funding earning assets | 1.4090% | 1,566 |
| Net interest margin | 2.4636% | 7,218 |
| Noninterest income to average assets | -0.4346% | 7,487 |
| Noninterest expense to average assets | 2.1000% | 6,632 |
| Loan and lease loss provision to assets | 1.7329% | 340 |
| Net operating income to assets | -2.0926% | 7,297 |
| Return on assets (ROA) | -2.0926% | 7,297 |
| Pretax return on assets | -2.0926% | 7,272 |
| Return on Equity (ROE) | -31.9177% | 7,333 |
| Retained earnings to average equity (ytd only) | -31.9177% | 7,308 |
| Net charge-offs to loans | 1.1140% | 1,246 |
| Credit loss provision to net charge-offs | 221.8225% | 1,369 |
| Earnings coverage of net charge-offs (x) | -0.4604% | 4,778 |
| Efficiency ratio | 120.6674% | 336 |
| Assets per employee ($millions) | 10.0950% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 1,058 |
| Loan loss allowance to noncurrent loans | 46.5847% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 14.4474% | 168 |
| Noncurrent loans to loans | 6.1229% | 1,020 |
| Net loans and leases to total assets | 69.3560% | 2,253 |
| Net loans and leases to deposits | 77.5612% | 3,144 |
| Net loans and leases to core deposits | 84.0562% | 3,152 |
| Total domestic deposits to total assets | 89.4210% | 1,518 |
| Equity capital to assets | 6.3690% | 7,241 |
| Core capital (leverage) ratio | 6.3833% | 7,193 |
| Tier 1 risk-based capital ratio | 8.0626% | 7,288 |
| Total risk-based capital ratio | 9.3284% | 7,289 |
| Memoranda: | ||
| Average total assets | $213,519,000 | 2,952 |
| Average earning assets | $188,501,500 | 3,034 |
| Average equity | $13,998,500 | 4,111 |
| Average total loans | $149,732,500 | 2,717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 6,580 |
| Cost of funding earning assets | 1.7271% | 1,475 |
| Net interest margin | 2.6924% | 7,128 |
| Noninterest income to average assets | -0.5519% | 7,576 |
| Noninterest expense to average assets | 2.2989% | 6,363 |
| Loan and lease loss provision to assets | 1.5196% | 970 |
| Net operating income to assets | -1.9646% | 7,046 |
| Return on assets (ROA) | -1.9376% | 7,053 |
| Pretax return on assets | -1.9376% | 7,006 |
| Return on Equity (ROE) | -24.7176% | 7,128 |
| Retained earnings to average equity (ytd only) | -24.7176% | 7,108 |
| Net charge-offs to loans | 1.8422% | 1,133 |
| Credit loss provision to net charge-offs | 112.4183% | 3,883 |
| Earnings coverage of net charge-offs (x) | -0.3292% | 6,379 |
| Efficiency ratio | 124.0030% | 366 |
| Assets per employee ($millions) | 10.2401% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5716% | 1,318 |
| Loan loss allowance to noncurrent loans | 61.8947% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 13.0533% | 224 |
| Noncurrent loans to loans | 4.1549% | 1,743 |
| Net loans and leases to total assets | 67.1064% | 3,188 |
| Net loans and leases to deposits | 73.7314% | 4,238 |
| Net loans and leases to core deposits | 79.0437% | 4,341 |
| Total domestic deposits to total assets | 91.0148% | 593 |
| Equity capital to assets | 6.7405% | 7,194 |
| Core capital (leverage) ratio | 6.8918% | 7,073 |
| Tier 1 risk-based capital ratio | 8.7770% | 7,281 |
| Total risk-based capital ratio | 10.0395% | 7,291 |
| Memoranda: | ||
| Average total assets | $215,056,600 | 2,925 |
| Average earning assets | $192,172,000 | 2,970 |
| Average equity | $16,858,400 | 3,617 |
| Average total loans | $157,804,000 | 2,647 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 6,806 |
| Cost of funding earning assets | 1.7928% | 1,443 |
| Net interest margin | 2.6139% | 7,305 |
| Noninterest income to average assets | -0.5053% | 7,680 |
| Noninterest expense to average assets | 2.3441% | 6,191 |
| Loan and lease loss provision to assets | 1.9331% | 627 |
| Net operating income to assets | -2.4377% | 7,334 |
| Return on assets (ROA) | -2.4017% | 7,340 |
| Pretax return on assets | -2.4017% | 7,297 |
| Return on Equity (ROE) | -29.6013% | 7,378 |
| Retained earnings to average equity (ytd only) | -29.6013% | 7,369 |
| Net charge-offs to loans | 2.1669% | 848 |
| Credit loss provision to net charge-offs | 119.7389% | 3,446 |
| Earnings coverage of net charge-offs (x) | -0.3126% | 6,254 |
| Efficiency ratio | 127.4351% | 320 |
| Assets per employee ($millions) | 9.5604% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5800% | 1,238 |
| Loan loss allowance to noncurrent loans | 37.6688% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 12.6102% | 240 |
| Noncurrent loans to loans | 6.8491% | 838 |
| Net loans and leases to total assets | 71.1290% | 2,456 |
| Net loans and leases to deposits | 79.0144% | 3,631 |
| Net loans and leases to core deposits | 87.0936% | 3,509 |
| Total domestic deposits to total assets | 90.0204% | 871 |
| Equity capital to assets | 7.2463% | 7,248 |
| Core capital (leverage) ratio | 6.9757% | 7,179 |
| Tier 1 risk-based capital ratio | 8.8895% | 7,382 |
| Total risk-based capital ratio | 10.1526% | 7,396 |
| Memoranda: | ||
| Average total assets | $215,060,250 | 2,978 |
| Average earning assets | $192,910,000 | 3,000 |
| Average equity | $17,449,250 | 3,565 |
| Average total loans | $160,226,000 | 2,654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 6,908 |
| Cost of funding earning assets | 1.8489% | 1,437 |
| Net interest margin | 2.5448% | 7,390 |
| Noninterest income to average assets | 0.0582% | 7,293 |
| Noninterest expense to average assets | 2.4880% | 5,753 |
| Loan and lease loss provision to assets | 0.9167% | 1,585 |
| Net operating income to assets | -1.0746% | 6,979 |
| Return on assets (ROA) | -1.0746% | 6,992 |
| Pretax return on assets | -1.0746% | 6,923 |
| Return on Equity (ROE) | -12.8015% | 7,062 |
| Retained earnings to average equity (ytd only) | -12.8015% | 7,023 |
| Net charge-offs to loans | 0.8926% | 2,055 |
| Credit loss provision to net charge-offs | 136.9655% | 2,929 |
| Earnings coverage of net charge-offs (x) | -0.2359% | 5,893 |
| Efficiency ratio | 106.7750% | 612 |
| Assets per employee ($millions) | 9.5749% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 1,530 |
| Loan loss allowance to noncurrent loans | 30.0283% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 12.8207% | 230 |
| Noncurrent loans to loans | 7.7811% | 672 |
| Net loans and leases to total assets | 70.5306% | 2,788 |
| Net loans and leases to deposits | 78.6204% | 3,863 |
| Net loans and leases to core deposits | 92.1531% | 2,963 |
| Total domestic deposits to total assets | 89.7104% | 1,068 |
| Equity capital to assets | 8.1436% | 6,606 |
| Core capital (leverage) ratio | 8.3452% | 5,679 |
| Tier 1 risk-based capital ratio | 10.1301% | 6,950 |
| Total risk-based capital ratio | 11.3906% | 6,916 |
| Memoranda: | ||
| Average total assets | $216,637,330 | 2,975 |
| Average earning assets | $193,415,330 | 3,029 |
| Average equity | $18,185,330 | 3,433 |
| Average total loans | $162,445,670 | 2,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 6,998 |
| Cost of funding earning assets | 1.8969% | 1,462 |
| Net interest margin | 2.5001% | 7,475 |
| Noninterest income to average assets | 0.2532% | 6,126 |
| Noninterest expense to average assets | 2.9435% | 3,890 |
| Loan and lease loss provision to assets | 0.7708% | 1,643 |
| Net operating income to assets | -1.2158% | 7,222 |
| Return on assets (ROA) | -1.2158% | 7,243 |
| Pretax return on assets | -1.2158% | 7,154 |
| Return on Equity (ROE) | -14.2646% | 7,298 |
| Retained earnings to average equity (ytd only) | -14.2646% | 7,182 |
| Net charge-offs to loans | 0.9309% | 1,726 |
| Credit loss provision to net charge-offs | 108.3770% | 3,178 |
| Earnings coverage of net charge-offs (x) | -0.6257% | 5,319 |
| Efficiency ratio | 117.8092% | 471 |
| Assets per employee ($millions) | 9.7383% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 1,834 |
| Loan loss allowance to noncurrent loans | 31.0099% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 12.8607% | 214 |
| Noncurrent loans to loans | 6.9637% | 859 |
| Net loans and leases to total assets | 73.5743% | 2,063 |
| Net loans and leases to deposits | 83.0236% | 3,103 |
| Net loans and leases to core deposits | 98.6025% | 2,281 |
| Total domestic deposits to total assets | 88.6185% | 1,724 |
| Equity capital to assets | 8.3905% | 6,170 |
| Core capital (leverage) ratio | 8.3220% | 5,701 |
| Tier 1 risk-based capital ratio | 10.0940% | 6,966 |
| Total risk-based capital ratio | 11.3527% | 6,953 |
| Memoranda: | ||
| Average total assets | $214,845,000 | 3,048 |
| Average earning assets | $192,951,000 | 3,089 |
| Average equity | $18,311,000 | 3,435 |
| Average total loans | $164,148,500 | 2,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 7,052 |
| Cost of funding earning assets | 2.2845% | 1,714 |
| Net interest margin | 2.4660% | 7,462 |
| Noninterest income to average assets | 0.4492% | 4,816 |
| Noninterest expense to average assets | 2.0212% | 7,338 |
| Loan and lease loss provision to assets | 1.2726% | 1,817 |
| Net operating income to assets | -0.5945% | 6,261 |
| Return on assets (ROA) | -0.5945% | 6,259 |
| Pretax return on assets | -0.5945% | 6,089 |
| Return on Equity (ROE) | -7.4106% | 6,422 |
| Retained earnings to average equity (ytd only) | -7.4106% | 6,281 |
| Net charge-offs to loans | 1.2025% | 2,049 |
| Credit loss provision to net charge-offs | 135.7042% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.7230% | 5,378 |
| Efficiency ratio | 74.8814% | 3,729 |
| Assets per employee ($millions) | 9.7931% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 1,883 |
| Loan loss allowance to noncurrent loans | 25.1019% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 10.7502% | 320 |
| Noncurrent loans to loans | 8.2158% | 598 |
| Net loans and leases to total assets | 76.0012% | 1,795 |
| Net loans and leases to deposits | 85.7127% | 2,966 |
| Net loans and leases to core deposits | 99.1054% | 4,099 |
| Total domestic deposits to total assets | 88.6697% | 1,645 |
| Equity capital to assets | 8.6545% | 5,654 |
| Core capital (leverage) ratio | 8.5775% | 5,141 |
| Tier 1 risk-based capital ratio | 10.3752% | 6,518 |
| Total risk-based capital ratio | 11.6336% | 6,482 |
| Memoranda: | ||
| Average total assets | $226,395,600 | 2,865 |
| Average earning assets | $206,565,200 | 2,878 |
| Average equity | $18,163,200 | 3,482 |
| Average total loans | $176,550,200 | 2,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 7,189 |
| Cost of funding earning assets | 2.3570% | 1,779 |
| Net interest margin | 2.4017% | 7,563 |
| Noninterest income to average assets | 0.3544% | 5,662 |
| Noninterest expense to average assets | 1.9796% | 7,420 |
| Loan and lease loss provision to assets | 1.5478% | 1,230 |
| Net operating income to assets | -0.9817% | 6,817 |
| Return on assets (ROA) | -0.9817% | 6,826 |
| Pretax return on assets | -0.9817% | 6,672 |
| Return on Equity (ROE) | -12.4666% | 7,044 |
| Retained earnings to average equity (ytd only) | -12.4666% | 6,972 |
| Net charge-offs to loans | 1.4265% | 1,450 |
| Credit loss provision to net charge-offs | 138.9760% | 3,556 |
| Earnings coverage of net charge-offs (x) | 0.5084% | 5,520 |
| Efficiency ratio | 77.7600% | 3,204 |
| Assets per employee ($millions) | 10.0551% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 1,772 |
| Loan loss allowance to noncurrent loans | 21.4125% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 10.5840% | 304 |
| Noncurrent loans to loans | 9.4007% | 450 |
| Net loans and leases to total assets | 75.5890% | 2,080 |
| Net loans and leases to deposits | 86.0352% | 3,309 |
| Net loans and leases to core deposits | 100.5756% | 4,311 |
| Total domestic deposits to total assets | 87.8583% | 1,721 |
| Equity capital to assets | 8.2835% | 6,527 |
| Core capital (leverage) ratio | 8.0701% | 6,237 |
| Tier 1 risk-based capital ratio | 10.1405% | 6,840 |
| Total risk-based capital ratio | 11.3984% | 6,774 |
| Memoranda: | ||
| Average total assets | $229,132,500 | 2,853 |
| Average earning assets | $209,072,750 | 2,866 |
| Average equity | $18,042,500 | 3,532 |
| Average total loans | $178,890,000 | 2,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 7,194 |
| Cost of funding earning assets | 2.4702% | 1,714 |
| Net interest margin | 2.3489% | 7,628 |
| Noninterest income to average assets | 0.1907% | 6,932 |
| Noninterest expense to average assets | 1.8587% | 7,672 |
| Loan and lease loss provision to assets | 0.7205% | 2,275 |
| Net operating income to assets | -0.2666% | 6,284 |
| Return on assets (ROA) | -0.2666% | 6,300 |
| Pretax return on assets | -0.2666% | 6,197 |
| Return on Equity (ROE) | -3.4432% | 6,412 |
| Retained earnings to average equity (ytd only) | -3.4432% | 6,035 |
| Net charge-offs to loans | 0.5450% | 2,693 |
| Credit loss provision to net charge-offs | 168.6869% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.0626% | 4,721 |
| Efficiency ratio | 80.3731% | 2,982 |
| Assets per employee ($millions) | 9.3984% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 2,382 |
| Loan loss allowance to noncurrent loans | 25.9974% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 8.6686% | 405 |
| Noncurrent loans to loans | 6.5021% | 812 |
| Net loans and leases to total assets | 78.1248% | 1,717 |
| Net loans and leases to deposits | 91.6004% | 2,548 |
| Net loans and leases to core deposits | 109.2756% | 3,464 |
| Total domestic deposits to total assets | 85.2887% | 3,114 |
| Equity capital to assets | 8.4602% | 6,107 |
| Core capital (leverage) ratio | 8.1069% | 6,154 |
| Tier 1 risk-based capital ratio | 10.0565% | 6,864 |
| Total risk-based capital ratio | 11.3106% | 6,784 |
| Memoranda: | ||
| Average total assets | $231,772,670 | 2,838 |
| Average earning assets | $209,372,670 | 2,877 |
| Average equity | $17,948,670 | 3,557 |
| Average total loans | $181,637,670 | 2,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 7,172 |
| Cost of funding earning assets | 2.5847% | 1,612 |
| Net interest margin | 2.3176% | 7,699 |
| Noninterest income to average assets | 0.1703% | 7,087 |
| Noninterest expense to average assets | 1.8307% | 7,659 |
| Loan and lease loss provision to assets | 0.2452% | 4,016 |
| Net operating income to assets | 0.1482% | 5,826 |
| Return on assets (ROA) | 0.1482% | 5,997 |
| Pretax return on assets | 0.1482% | 6,055 |
| Return on Equity (ROE) | 2.0021% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.0021% | 4,747 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3124% | 2,495 |
| Assets per employee ($millions) | 10.2439% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 2,720 |
| Loan loss allowance to noncurrent loans | 27.5262% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 6.9301% | 498 |
| Noncurrent loans to loans | 5.6341% | 891 |
| Net loans and leases to total assets | 73.1495% | 2,975 |
| Net loans and leases to deposits | 83.6941% | 4,026 |
| Net loans and leases to core deposits | 96.9650% | 4,849 |
| Total domestic deposits to total assets | 87.4011% | 2,013 |
| Equity capital to assets | 7.1250% | 7,610 |
| Core capital (leverage) ratio | 7.3408% | 7,333 |
| Tier 1 risk-based capital ratio | 8.7756% | 7,888 |
| Total risk-based capital ratio | 10.0279% | 7,944 |
| Memoranda: | ||
| Average total assets | $234,878,500 | 2,820 |
| Average earning assets | $208,146,500 | 2,909 |
| Average equity | $17,381,500 | 3,657 |
| Average total loans | $182,832,000 | 2,553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 7,441 |
| Cost of funding earning assets | 2.8446% | 2,503 |
| Net interest margin | 2.5720% | 7,672 |
| Noninterest income to average assets | 0.0740% | 7,769 |
| Noninterest expense to average assets | 1.9168% | 7,587 |
| Loan and lease loss provision to assets | 1.8118% | 698 |
| Net operating income to assets | -1.1934% | 7,343 |
| Return on assets (ROA) | -1.1934% | 7,282 |
| Pretax return on assets | -1.1934% | 7,113 |
| Return on Equity (ROE) | -12.9517% | 7,491 |
| Retained earnings to average equity (ytd only) | -12.9517% | 7,324 |
| Net charge-offs to loans | 1.6795% | 661 |
| Credit loss provision to net charge-offs | 128.8219% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.4397% | 5,965 |
| Efficiency ratio | 75.6079% | 3,305 |
| Assets per employee ($millions) | 9.3293% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 2,831 |
| Loan loss allowance to noncurrent loans | 25.6826% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 7.9016% | 298 |
| Noncurrent loans to loans | 5.7238% | 665 |
| Net loans and leases to total assets | 80.5259% | 1,544 |
| Net loans and leases to deposits | 93.4274% | 2,869 |
| Net loans and leases to core deposits | 107.4122% | 4,029 |
| Total domestic deposits to total assets | 86.1909% | 2,321 |
| Equity capital to assets | 7.7024% | 7,201 |
| Core capital (leverage) ratio | 7.5440% | 7,147 |
| Tier 1 risk-based capital ratio | 8.6161% | 7,967 |
| Total risk-based capital ratio | 9.8675% | 8,028 |
| Memoranda: | ||
| Average total assets | $202,784,600 | 3,105 |
| Average earning assets | $194,050,600 | 2,977 |
| Average equity | $18,684,800 | 3,445 |
| Average total loans | $169,812,600 | 2,619 |