Home > Enterprise Bank of Florida > Performance and Condition Ratios
Enterprise Bank of Florida, Performance and Condition Ratios
| 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 | 4.0633% | 3,864 |
| Cost of funding earning assets | 0.5795% | 3,134 |
| Net interest margin | 3.4838% | 3,846 |
| Noninterest income to average assets | 0.4742% | 4,002 |
| Noninterest expense to average assets | 4.0642% | 806 |
| Loan and lease loss provision to assets | 0.7737% | 281 |
| Net operating income to assets | -1.0262% | 6,758 |
| Return on assets (ROA) | -1.0521% | 6,767 |
| Pretax return on assets | -1.0521% | 6,745 |
| Return on Equity (ROE) | -7.2246% | 6,697 |
| Retained earnings to average equity (ytd only) | -7.2246% | 6,584 |
| Net charge-offs to loans | 1.5154% | 344 |
| Credit loss provision to net charge-offs | 71.2370% | 2,798 |
| Earnings coverage of net charge-offs (x) | -0.2325% | 4,625 |
| Efficiency ratio | 106.6242% | 335 |
| Assets per employee ($millions) | 6.2160% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,965 |
| Loan loss allowance to noncurrent loans | 50.1712% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 5.8892% | 466 |
| Noncurrent loans to loans | 3.8861% | 1,025 |
| Net loans and leases to total assets | 71.1339% | 1,703 |
| Net loans and leases to deposits | 99.7361% | 443 |
| Net loans and leases to core deposits | 109.6461% | 578 |
| Total domestic deposits to total assets | 71.3221% | 6,601 |
| Equity capital to assets | 14.2901% | 879 |
| Core capital (leverage) ratio | 14.4001% | 725 |
| Tier 1 risk-based capital ratio | 15.1423% | 3,685 |
| Total risk-based capital ratio | 16.5513% | 3,553 |
| Memoranda: | ||
| Average total assets | $247,132,330 | 2,578 |
| Average earning assets | $236,755,670 | 2,474 |
| Average equity | $35,988,330 | 1,936 |
| Average total loans | $177,109,330 | 2,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 3,733 |
| Cost of funding earning assets | 0.5914% | 3,186 |
| Net interest margin | 3.5077% | 3,662 |
| Noninterest income to average assets | 1.9304% | 448 |
| Noninterest expense to average assets | 2.9629% | 3,106 |
| Loan and lease loss provision to assets | 1.5521% | 90 |
| Net operating income to assets | 0.7858% | 3,239 |
| Return on assets (ROA) | 0.6689% | 4,010 |
| Pretax return on assets | 0.6689% | 4,708 |
| Return on Equity (ROE) | 4.5503% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.5503% | 3,503 |
| Net charge-offs to loans | 0.0957% | 2,893 |
| Credit loss provision to net charge-offs | 2,276.1905% | 141 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 890 |
| Efficiency ratio | 55.8959% | 6,071 |
| Assets per employee ($millions) | 6.1751% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7256% | 885 |
| Loan loss allowance to noncurrent loans | 56.8109% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 6.1726% | 512 |
| Noncurrent loans to loans | 4.7977% | 819 |
| Net loans and leases to total assets | 66.2848% | 2,319 |
| Net loans and leases to deposits | 91.9065% | 808 |
| Net loans and leases to core deposits | 101.0771% | 883 |
| Total domestic deposits to total assets | 72.1220% | 6,651 |
| Equity capital to assets | 14.1601% | 976 |
| Core capital (leverage) ratio | 15.8881% | 474 |
| Tier 1 risk-based capital ratio | 15.7011% | 3,422 |
| Total risk-based capital ratio | 17.1296% | 3,300 |
| Memoranda: | ||
| Average total assets | $246,378,000 | 2,617 |
| Average earning assets | $236,737,500 | 2,504 |
| Average equity | $36,217,000 | 1,948 |
| Average total loans | $175,471,500 | 2,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 3,153 |
| Cost of funding earning assets | 1.0306% | 1,204 |
| Net interest margin | 3.5336% | 4,359 |
| Noninterest income to average assets | 1.8408% | 493 |
| Noninterest expense to average assets | 2.8719% | 3,756 |
| Loan and lease loss provision to assets | 1.8521% | 129 |
| Net operating income to assets | 0.5057% | 4,667 |
| Return on assets (ROA) | 0.7784% | 3,632 |
| Pretax return on assets | 0.7784% | 4,375 |
| Return on Equity (ROE) | 5.5909% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,322 |
| Net charge-offs to loans | 2.4340% | 258 |
| Credit loss provision to net charge-offs | 110.1435% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.4022% | 4,749 |
| Efficiency ratio | 54.9154% | 6,185 |
| Assets per employee ($millions) | 5.4279% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 1,478 |
| Loan loss allowance to noncurrent loans | 34.1321% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 7.8140% | 369 |
| Noncurrent loans to loans | 6.5638% | 504 |
| Net loans and leases to total assets | 72.9688% | 1,339 |
| Net loans and leases to deposits | 99.1575% | 449 |
| Net loans and leases to core deposits | 111.6597% | 483 |
| Total domestic deposits to total assets | 73.5888% | 6,573 |
| Equity capital to assets | 15.2994% | 679 |
| Core capital (leverage) ratio | 15.3676% | 523 |
| Tier 1 risk-based capital ratio | 15.5652% | 3,389 |
| Total risk-based capital ratio | 17.0004% | 3,248 |
| Memoranda: | ||
| Average total assets | $248,584,800 | 2,542 |
| Average earning assets | $238,398,400 | 2,430 |
| Average equity | $34,609,600 | 2,005 |
| Average total loans | $171,730,800 | 2,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 2,845 |
| Cost of funding earning assets | 1.1310% | 940 |
| Net interest margin | 3.5580% | 4,409 |
| Noninterest income to average assets | 1.6937% | 539 |
| Noninterest expense to average assets | 3.1417% | 2,751 |
| Loan and lease loss provision to assets | 0.2113% | 2,953 |
| Net operating income to assets | 1.7476% | 629 |
| Return on assets (ROA) | 2.2093% | 313 |
| Pretax return on assets | 2.2093% | 472 |
| Return on Equity (ROE) | 16.2397% | 712 |
| Retained earnings to average equity (ytd only) | 16.2397% | 186 |
| Net charge-offs to loans | 0.4005% | 2,494 |
| Credit loss provision to net charge-offs | 77.8210% | 3,682 |
| Earnings coverage of net charge-offs (x) | 7.2140% | 2,637 |
| Efficiency ratio | 61.5950% | 5,216 |
| Assets per employee ($millions) | 5.7622% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,396 |
| Loan loss allowance to noncurrent loans | 61.5849% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 5.1763% | 846 |
| Noncurrent loans to loans | 3.1299% | 1,776 |
| Net loans and leases to total assets | 66.0284% | 2,646 |
| Net loans and leases to deposits | 87.5039% | 1,414 |
| Net loans and leases to core deposits | 103.3970% | 903 |
| Total domestic deposits to total assets | 75.4577% | 6,461 |
| Equity capital to assets | 14.2422% | 1,063 |
| Core capital (leverage) ratio | 15.4155% | 551 |
| Tier 1 risk-based capital ratio | 15.7240% | 3,412 |
| Total risk-based capital ratio | 17.0407% | 3,347 |
| Memoranda: | ||
| Average total assets | $252,380,750 | 2,535 |
| Average earning assets | $241,666,500 | 2,429 |
| Average equity | $34,334,750 | 2,031 |
| Average total loans | $171,110,250 | 2,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 1,898 |
| Cost of funding earning assets | 1.2174% | 760 |
| Net interest margin | 3.7437% | 3,620 |
| Noninterest income to average assets | 1.5195% | 638 |
| Noninterest expense to average assets | 3.0791% | 2,987 |
| Loan and lease loss provision to assets | 0.3199% | 2,065 |
| Net operating income to assets | 1.6939% | 681 |
| Return on assets (ROA) | 1.6771% | 795 |
| Pretax return on assets | 1.6771% | 1,323 |
| Return on Equity (ROE) | 12.5307% | 1,493 |
| Retained earnings to average equity (ytd only) | 12.5307% | 504 |
| Net charge-offs to loans | 0.1447% | 3,758 |
| Credit loss provision to net charge-offs | 325.2033% | 912 |
| Earnings coverage of net charge-offs (x) | 20.4715% | 1,385 |
| Efficiency ratio | 60.4585% | 5,507 |
| Assets per employee ($millions) | 5.9429% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1440% | 1,900 |
| Loan loss allowance to noncurrent loans | 109.5044% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 4.7880% | 1,010 |
| Noncurrent loans to loans | 1.9579% | 2,994 |
| Net loans and leases to total assets | 68.6828% | 2,164 |
| Net loans and leases to deposits | 85.1921% | 1,701 |
| Net loans and leases to core deposits | 109.7586% | 583 |
| Total domestic deposits to total assets | 80.6211% | 5,583 |
| Equity capital to assets | 14.0616% | 1,074 |
| Core capital (leverage) ratio | 15.1049% | 583 |
| Tier 1 risk-based capital ratio | 14.5707% | 4,049 |
| Total risk-based capital ratio | 15.9831% | 3,905 |
| Memoranda: | ||
| Average total assets | $250,074,670 | 2,550 |
| Average earning assets | $238,696,000 | 2,442 |
| Average equity | $33,469,670 | 2,065 |
| Average total loans | $169,955,000 | 2,347 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 2,171 |
| Cost of funding earning assets | 1.2599% | 747 |
| Net interest margin | 3.6588% | 4,014 |
| Noninterest income to average assets | 4.5367% | 147 |
| Noninterest expense to average assets | 3.2775% | 2,363 |
| Loan and lease loss provision to assets | 0.6392% | 867 |
| Net operating income to assets | 4.1005% | 65 |
| Return on assets (ROA) | 4.1516% | 65 |
| Pretax return on assets | 4.1516% | 81 |
| Return on Equity (ROE) | 31.8231% | 86 |
| Retained earnings to average equity (ytd only) | 31.8231% | 49 |
| Net charge-offs to loans | 0.5163% | 1,800 |
| Credit loss provision to net charge-offs | 185.1852% | 1,416 |
| Earnings coverage of net charge-offs (x) | 13.7315% | 1,517 |
| Efficiency ratio | 40.8810% | 7,086 |
| Assets per employee ($millions) | 6.0360% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1538% | 1,982 |
| Loan loss allowance to noncurrent loans | 62.1585% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 5.6474% | 859 |
| Noncurrent loans to loans | 3.4650% | 1,802 |
| Net loans and leases to total assets | 65.6410% | 2,536 |
| Net loans and leases to deposits | 80.2547% | 2,170 |
| Net loans and leases to core deposits | 103.2846% | 798 |
| Total domestic deposits to total assets | 81.7907% | 5,364 |
| Equity capital to assets | 13.5488% | 1,220 |
| Core capital (leverage) ratio | 15.4425% | 539 |
| Tier 1 risk-based capital ratio | 15.7443% | 3,324 |
| Total risk-based capital ratio | 17.1291% | 3,204 |
| Memoranda: | ||
| Average total assets | $250,311,500 | 2,559 |
| Average earning assets | $238,110,500 | 2,465 |
| Average equity | $32,655,500 | 2,104 |
| Average total loans | $167,338,000 | 2,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 3,254 |
| Cost of funding earning assets | 1.5428% | 604 |
| Net interest margin | 3.3796% | 5,547 |
| Noninterest income to average assets | 4.0607% | 151 |
| Noninterest expense to average assets | 4.7577% | 472 |
| Loan and lease loss provision to assets | 2.1406% | 251 |
| Net operating income to assets | 0.3503% | 5,062 |
| Return on assets (ROA) | 0.2129% | 5,690 |
| Pretax return on assets | 0.2129% | 5,750 |
| Return on Equity (ROE) | 1.8638% | 5,714 |
| Retained earnings to average equity (ytd only) | 1.8638% | 4,886 |
| Net charge-offs to loans | 3.6189% | 198 |
| Credit loss provision to net charge-offs | 85.9223% | 4,205 |
| Earnings coverage of net charge-offs (x) | 0.9998% | 5,044 |
| Efficiency ratio | 65.6359% | 4,839 |
| Assets per employee ($millions) | 5.7467% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 1,968 |
| Loan loss allowance to noncurrent loans | 38.7978% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 7.8471% | 530 |
| Noncurrent loans to loans | 5.4476% | 974 |
| Net loans and leases to total assets | 65.2040% | 2,938 |
| Net loans and leases to deposits | 79.8415% | 2,549 |
| Net loans and leases to core deposits | 104.7661% | 852 |
| Total domestic deposits to total assets | 81.6668% | 5,246 |
| Equity capital to assets | 12.5301% | 1,783 |
| Core capital (leverage) ratio | 14.7738% | 653 |
| Tier 1 risk-based capital ratio | 14.6560% | 3,866 |
| Total risk-based capital ratio | 16.0377% | 3,746 |
| Memoranda: | ||
| Average total assets | $248,059,200 | 2,540 |
| Average earning assets | $233,995,200 | 2,458 |
| Average equity | $28,328,600 | 2,310 |
| Average total loans | $170,771,400 | 2,364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 2,833 |
| Cost of funding earning assets | 1.6002% | 582 |
| Net interest margin | 3.4516% | 5,387 |
| Noninterest income to average assets | 4.8124% | 131 |
| Noninterest expense to average assets | 5.4562% | 265 |
| Loan and lease loss provision to assets | 2.8514% | 124 |
| Net operating income to assets | -0.2427% | 6,435 |
| Return on assets (ROA) | -0.4097% | 6,638 |
| Pretax return on assets | -0.4097% | 6,572 |
| Return on Equity (ROE) | -3.6766% | 6,607 |
| Retained earnings to average equity (ytd only) | -3.6766% | 6,485 |
| Net charge-offs to loans | 4.1489% | 148 |
| Credit loss provision to net charge-offs | 99.0302% | 3,447 |
| Earnings coverage of net charge-offs (x) | 0.9060% | 4,946 |
| Efficiency ratio | 67.6543% | 4,389 |
| Assets per employee ($millions) | 5.4604% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7354% | 1,089 |
| Loan loss allowance to noncurrent loans | 40.2756% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 8.2003% | 528 |
| Noncurrent loans to loans | 6.7917% | 749 |
| Net loans and leases to total assets | 63.5947% | 3,394 |
| Net loans and leases to deposits | 78.1185% | 2,961 |
| Net loans and leases to core deposits | 103.5050% | 1,007 |
| Total domestic deposits to total assets | 81.4080% | 5,292 |
| Equity capital to assets | 12.2622% | 2,045 |
| Core capital (leverage) ratio | 13.9652% | 911 |
| Tier 1 risk-based capital ratio | 15.4880% | 3,394 |
| Total risk-based capital ratio | 16.9140% | 3,267 |
| Memoranda: | ||
| Average total assets | $248,296,750 | 2,554 |
| Average earning assets | $233,971,500 | 2,471 |
| Average equity | $27,670,000 | 2,350 |
| Average total loans | $172,313,250 | 2,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 3,118 |
| Cost of funding earning assets | 1.6304% | 620 |
| Net interest margin | 3.3783% | 5,613 |
| Noninterest income to average assets | 0.7802% | 2,112 |
| Noninterest expense to average assets | 2.9899% | 3,681 |
| Loan and lease loss provision to assets | 4.2315% | 66 |
| Net operating income to assets | -3.2115% | 7,329 |
| Return on assets (ROA) | -3.5310% | 7,371 |
| Pretax return on assets | -3.5310% | 7,365 |
| Return on Equity (ROE) | -32.7337% | 7,269 |
| Retained earnings to average equity (ytd only) | -32.7337% | 7,261 |
| Net charge-offs to loans | 5.8403% | 95 |
| Credit loss provision to net charge-offs | 102.5097% | 3,016 |
| Earnings coverage of net charge-offs (x) | 0.2471% | 5,122 |
| Efficiency ratio | 74.5628% | 3,259 |
| Assets per employee ($millions) | 5.6524% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 1,144 |
| Loan loss allowance to noncurrent loans | 45.2973% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 8.2311% | 546 |
| Noncurrent loans to loans | 6.0356% | 983 |
| Net loans and leases to total assets | 65.5607% | 3,123 |
| Net loans and leases to deposits | 77.0978% | 3,278 |
| Net loans and leases to core deposits | 103.9364% | 1,047 |
| Total domestic deposits to total assets | 85.0358% | 3,860 |
| Equity capital to assets | 10.3586% | 3,679 |
| Core capital (leverage) ratio | 11.5084% | 1,906 |
| Tier 1 risk-based capital ratio | 12.6493% | 5,220 |
| Total risk-based capital ratio | 14.0496% | 5,062 |
| Memoranda: | ||
| Average total assets | $250,976,000 | 2,538 |
| Average earning assets | $239,942,000 | 2,425 |
| Average equity | $27,073,000 | 2,379 |
| Average total loans | $177,388,000 | 2,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 2,810 |
| Cost of funding earning assets | 1.6942% | 565 |
| Net interest margin | 3.3670% | 5,554 |
| Noninterest income to average assets | 1.7573% | 443 |
| Noninterest expense to average assets | 3.0596% | 3,423 |
| Loan and lease loss provision to assets | 1.0136% | 749 |
| Net operating income to assets | 0.8959% | 2,582 |
| Return on assets (ROA) | 0.2903% | 5,531 |
| Pretax return on assets | 0.2903% | 5,684 |
| Return on Equity (ROE) | 2.6409% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.6409% | 4,585 |
| Net charge-offs to loans | 1.0556% | 1,295 |
| Credit loss provision to net charge-offs | 132.9218% | 2,086 |
| Earnings coverage of net charge-offs (x) | 2.5041% | 3,082 |
| Efficiency ratio | 61.5725% | 5,747 |
| Assets per employee ($millions) | 6.1054% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 1,466 |
| Loan loss allowance to noncurrent loans | 39.8251% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 8.2249% | 565 |
| Noncurrent loans to loans | 6.2594% | 985 |
| Net loans and leases to total assets | 68.7803% | 2,383 |
| Net loans and leases to deposits | 81.4249% | 2,458 |
| Net loans and leases to core deposits | 108.4986% | 816 |
| Total domestic deposits to total assets | 84.4709% | 4,285 |
| Equity capital to assets | 11.1259% | 2,562 |
| Core capital (leverage) ratio | 12.9794% | 1,125 |
| Tier 1 risk-based capital ratio | 14.4451% | 3,777 |
| Total risk-based capital ratio | 15.8582% | 3,626 |
| Memoranda: | ||
| Average total assets | $254,937,000 | 2,520 |
| Average earning assets | $243,184,000 | 2,419 |
| Average equity | $28,021,000 | 2,298 |
| Average total loans | $184,168,500 | 2,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 1,104 |
| Cost of funding earning assets | 1.9248% | 777 |
| Net interest margin | 3.9449% | 3,283 |
| Noninterest income to average assets | 0.1883% | 6,409 |
| Noninterest expense to average assets | 3.0291% | 3,736 |
| Loan and lease loss provision to assets | 1.1805% | 1,335 |
| Net operating income to assets | -0.2490% | 6,163 |
| Return on assets (ROA) | -0.9253% | 6,671 |
| Pretax return on assets | -0.9253% | 6,586 |
| Return on Equity (ROE) | -9.4154% | 6,705 |
| Retained earnings to average equity (ytd only) | -9.4154% | 6,632 |
| Net charge-offs to loans | 2.3473% | 817 |
| Credit loss provision to net charge-offs | 72.8143% | 5,794 |
| Earnings coverage of net charge-offs (x) | 0.5746% | 5,530 |
| Efficiency ratio | 76.4803% | 2,970 |
| Assets per employee ($millions) | 6.0344% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 1,665 |
| Loan loss allowance to noncurrent loans | 33.8023% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 8.9459% | 507 |
| Noncurrent loans to loans | 6.8635% | 836 |
| Net loans and leases to total assets | 72.2469% | 2,043 |
| Net loans and leases to deposits | 85.5233% | 2,179 |
| Net loans and leases to core deposits | 122.1446% | 469 |
| Total domestic deposits to total assets | 84.4764% | 4,128 |
| Equity capital to assets | 10.8552% | 2,812 |
| Core capital (leverage) ratio | 12.1002% | 1,481 |
| Tier 1 risk-based capital ratio | 13.1674% | 4,473 |
| Total risk-based capital ratio | 14.5481% | 4,331 |
| Memoranda: | ||
| Average total assets | $289,953,000 | 2,214 |
| Average earning assets | $277,270,800 | 2,135 |
| Average equity | $28,495,800 | 2,283 |
| Average total loans | $200,269,200 | 2,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 793 |
| Cost of funding earning assets | 1.9521% | 876 |
| Net interest margin | 4.1274% | 2,500 |
| Noninterest income to average assets | 0.1725% | 6,648 |
| Noninterest expense to average assets | 2.8875% | 4,141 |
| Loan and lease loss provision to assets | 0.9629% | 1,553 |
| Net operating income to assets | 0.2715% | 5,273 |
| Return on assets (ROA) | 0.4966% | 4,527 |
| Pretax return on assets | 0.4966% | 4,940 |
| Return on Equity (ROE) | 5.1677% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.1677% | 2,862 |
| Net charge-offs to loans | 2.6427% | 621 |
| Credit loss provision to net charge-offs | 53.5581% | 5,837 |
| Earnings coverage of net charge-offs (x) | 0.6866% | 5,362 |
| Efficiency ratio | 70.0519% | 4,054 |
| Assets per employee ($millions) | 6.7982% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 2,510 |
| Loan loss allowance to noncurrent loans | 37.6115% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 5.5578% | 1,105 |
| Noncurrent loans to loans | 5.0262% | 1,368 |
| Net loans and leases to total assets | 69.8985% | 2,753 |
| Net loans and leases to deposits | 90.4258% | 1,666 |
| Net loans and leases to core deposits | 137.8011% | 285 |
| Total domestic deposits to total assets | 77.2993% | 6,422 |
| Equity capital to assets | 9.7985% | 4,416 |
| Core capital (leverage) ratio | 12.7275% | 1,325 |
| Tier 1 risk-based capital ratio | 14.0025% | 3,831 |
| Total risk-based capital ratio | 15.4136% | 3,684 |
| Memoranda: | ||
| Average total assets | $299,079,750 | 2,188 |
| Average earning assets | $286,180,000 | 2,101 |
| Average equity | $28,741,750 | 2,290 |
| Average total loans | $203,472,500 | 2,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2209% | 596 |
| Cost of funding earning assets | 2.0037% | 909 |
| Net interest margin | 4.2172% | 2,101 |
| Noninterest income to average assets | 0.1818% | 6,611 |
| Noninterest expense to average assets | 2.7306% | 4,784 |
| Loan and lease loss provision to assets | 0.6742% | 2,142 |
| Net operating income to assets | 0.8121% | 2,914 |
| Return on assets (ROA) | 0.6833% | 3,618 |
| Pretax return on assets | 0.6833% | 4,297 |
| Return on Equity (ROE) | 7.1530% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.1530% | 1,771 |
| Net charge-offs to loans | 2.1482% | 837 |
| Credit loss provision to net charge-offs | 46.7998% | 5,489 |
| Earnings coverage of net charge-offs (x) | 1.0318% | 4,757 |
| Efficiency ratio | 64.7542% | 5,196 |
| Assets per employee ($millions) | 7.1506% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 1,816 |
| Loan loss allowance to noncurrent loans | 51.9473% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 5.0734% | 1,258 |
| Noncurrent loans to loans | 4.1866% | 1,780 |
| Net loans and leases to total assets | 68.3509% | 3,277 |
| Net loans and leases to deposits | 91.1277% | 1,676 |
| Net loans and leases to core deposits | 149.9409% | 214 |
| Total domestic deposits to total assets | 75.0056% | 6,855 |
| Equity capital to assets | 10.9113% | 2,958 |
| Core capital (leverage) ratio | 12.3670% | 1,462 |
| Tier 1 risk-based capital ratio | 12.9607% | 4,482 |
| Total risk-based capital ratio | 14.4061% | 4,275 |
| Memoranda: | ||
| Average total assets | $305,864,000 | 2,170 |
| Average earning assets | $292,660,330 | 2,075 |
| Average equity | $29,218,670 | 2,245 |
| Average total loans | $205,103,330 | 2,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2152% | 625 |
| Cost of funding earning assets | 2.1641% | 661 |
| Net interest margin | 4.0511% | 2,642 |
| Noninterest income to average assets | 0.1755% | 6,704 |
| Noninterest expense to average assets | 2.4612% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5900% | 772 |
| Return on assets (ROA) | 1.1531% | 1,752 |
| Pretax return on assets | 1.1531% | 2,541 |
| Return on Equity (ROE) | 12.9341% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.9341% | 630 |
| Net charge-offs to loans | 1.5222% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.5890% | 3,775 |
| Efficiency ratio | 60.7527% | 6,045 |
| Assets per employee ($millions) | 7.9310% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,471 |
| Loan loss allowance to noncurrent loans | 42.8243% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 5.8521% | 1,038 |
| Noncurrent loans to loans | 5.5194% | 1,262 |
| Net loans and leases to total assets | 64.7178% | 4,163 |
| Net loans and leases to deposits | 87.7296% | 2,273 |
| Net loans and leases to core deposits | 148.7140% | 253 |
| Total domestic deposits to total assets | 73.7696% | 7,073 |
| Equity capital to assets | 9.8035% | 4,102 |
| Core capital (leverage) ratio | 11.4788% | 1,923 |
| Tier 1 risk-based capital ratio | 12.1080% | 5,080 |
| Total risk-based capital ratio | 13.5403% | 4,871 |
| Memoranda: | ||
| Average total assets | $312,209,000 | 2,181 |
| Average earning assets | $298,687,500 | 2,085 |
| Average equity | $27,833,500 | 2,382 |
| Average total loans | $205,234,000 | 2,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6747% | 492 |
| Cost of funding earning assets | 2.4201% | 1,243 |
| Net interest margin | 4.2546% | 1,874 |
| Noninterest income to average assets | 0.1673% | 6,882 |
| Noninterest expense to average assets | 3.3054% | 2,999 |
| Loan and lease loss provision to assets | 2.1011% | 1,008 |
| Net operating income to assets | -1.1504% | 6,681 |
| Return on assets (ROA) | -1.8078% | 7,010 |
| Pretax return on assets | -1.8078% | 6,862 |
| Return on Equity (ROE) | -21.2263% | 7,180 |
| Retained earnings to average equity (ytd only) | -24.6602% | 7,253 |
| Net charge-offs to loans | 1.4878% | 1,684 |
| Credit loss provision to net charge-offs | 236.0688% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 5,047 |
| Efficiency ratio | 77.6624% | 3,248 |
| Assets per employee ($millions) | 7.6856% | 579 |
| Cash dividends to net income (ytd only)* | -16.1779% | 7,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7389% | 982 |
| Loan loss allowance to noncurrent loans | 49.4421% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 6.1306% | 914 |
| Noncurrent loans to loans | 5.5397% | 1,159 |
| Net loans and leases to total assets | 63.4120% | 4,722 |
| Net loans and leases to deposits | 96.2797% | 1,300 |
| Net loans and leases to core deposits | 117.2394% | 2,204 |
| Total domestic deposits to total assets | 65.8623% | 7,646 |
| Equity capital to assets | 8.0429% | 6,533 |
| Core capital (leverage) ratio | 9.7375% | 3,401 |
| Tier 1 risk-based capital ratio | 10.1381% | 6,755 |
| Total risk-based capital ratio | 11.5415% | 6,565 |
| Memoranda: | ||
| Average total assets | $339,534,200 | 2,006 |
| Average earning assets | $326,306,400 | 1,909 |
| Average equity | $28,917,000 | 2,308 |
| Average total loans | $203,116,800 | 2,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5001% | 746 |
| Cost of funding earning assets | 2.4286% | 1,524 |
| Net interest margin | 4.0715% | 2,505 |
| Noninterest income to average assets | 0.1423% | 7,160 |
| Noninterest expense to average assets | 3.5045% | 2,273 |
| Loan and lease loss provision to assets | 1.6687% | 1,122 |
| Net operating income to assets | -1.1125% | 6,911 |
| Return on assets (ROA) | -1.3964% | 7,055 |
| Pretax return on assets | -1.3964% | 6,914 |
| Return on Equity (ROE) | -16.1909% | 7,246 |
| Retained earnings to average equity (ytd only) | -20.5070% | 7,356 |
| Net charge-offs to loans | 1.7616% | 1,146 |
| Credit loss provision to net charge-offs | 161.6592% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.5389% | 5,494 |
| Efficiency ratio | 86.3019% | 2,029 |
| Assets per employee ($millions) | 8.7378% | 395 |
| Cash dividends to net income (ytd only)* | -26.6573% | 7,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,477 |
| Loan loss allowance to noncurrent loans | 35.4066% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 4.1841% | 1,503 |
| Noncurrent loans to loans | 4.2194% | 1,706 |
| Net loans and leases to total assets | 59.7095% | 5,625 |
| Net loans and leases to deposits | 96.4131% | 1,519 |
| Net loans and leases to core deposits | 119.0818% | 2,327 |
| Total domestic deposits to total assets | 61.9309% | 7,821 |
| Equity capital to assets | 7.4169% | 7,362 |
| Core capital (leverage) ratio | 9.4565% | 3,969 |
| Tier 1 risk-based capital ratio | 9.1512% | 7,556 |
| Total risk-based capital ratio | 10.0240% | 7,724 |
| Memoranda: | ||
| Average total assets | $345,640,500 | 1,985 |
| Average earning assets | $332,643,500 | 1,886 |
| Average equity | $29,810,250 | 2,269 |
| Average total loans | $202,535,000 | 2,294 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1628% | 1,586 |
| Cost of funding earning assets | 2.4602% | 1,746 |
| Net interest margin | 3.7026% | 3,939 |
| Noninterest income to average assets | 0.1411% | 7,245 |
| Noninterest expense to average assets | 3.5481% | 2,199 |
| Loan and lease loss provision to assets | 0.7260% | 2,257 |
| Net operating income to assets | -0.5744% | 6,625 |
| Return on assets (ROA) | -0.7492% | 6,798 |
| Pretax return on assets | -0.7492% | 6,650 |
| Return on Equity (ROE) | -8.2942% | 6,917 |
| Retained earnings to average equity (ytd only) | -14.4988% | 7,214 |
| Net charge-offs to loans | 0.8374% | 2,014 |
| Credit loss provision to net charge-offs | 149.7006% | 3,087 |
| Earnings coverage of net charge-offs (x) | 0.3126% | 5,363 |
| Efficiency ratio | 95.9027% | 1,383 |
| Assets per employee ($millions) | 8.2245% | 459 |
| Cash dividends to net income (ytd only)* | -74.8062% | 8,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 6,563 |
| Loan loss allowance to noncurrent loans | 26.3409% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 3.8387% | 1,579 |
| Noncurrent loans to loans | 3.6030% | 1,934 |
| Net loans and leases to total assets | 58.3117% | 5,922 |
| Net loans and leases to deposits | 89.3955% | 2,919 |
| Net loans and leases to core deposits | 111.7835% | 3,157 |
| Total domestic deposits to total assets | 65.2288% | 7,775 |
| Equity capital to assets | 8.4828% | 6,075 |
| Core capital (leverage) ratio | 10.2165% | 3,076 |
| Tier 1 risk-based capital ratio | 11.4608% | 5,433 |
| Total risk-based capital ratio | 12.0837% | 5,979 |
| Memoranda: | ||
| Average total assets | $344,350,000 | 2,006 |
| Average earning assets | $330,953,670 | 1,910 |
| Average equity | $31,106,000 | 2,177 |
| Average total loans | $199,427,670 | 2,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 5,707 |
| Cost of funding earning assets | 2.4724% | 2,019 |
| Net interest margin | 2.8676% | 6,840 |
| Noninterest income to average assets | 0.1419% | 7,285 |
| Noninterest expense to average assets | 4.5758% | 659 |
| Loan and lease loss provision to assets | 0.1163% | 5,481 |
| Net operating income to assets | -1.7975% | 7,599 |
| Return on assets (ROA) | -1.9534% | 7,648 |
| Pretax return on assets | -1.9534% | 7,521 |
| Return on Equity (ROE) | -20.9823% | 7,777 |
| Retained earnings to average equity (ytd only) | -20.9823% | 7,676 |
| Net charge-offs to loans | -0.0344% | 7,590 |
| Credit loss provision to net charge-offs | -588.2353% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.0788% | 316 |
| Assets per employee ($millions) | 9.1136% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 7,037 |
| Loan loss allowance to noncurrent loans | 31.1569% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 3.7263% | 1,420 |
| Noncurrent loans to loans | 2.6684% | 2,461 |
| Net loans and leases to total assets | 53.3995% | 6,536 |
| Net loans and leases to deposits | 85.9968% | 3,632 |
| Net loans and leases to core deposits | 104.9537% | 4,033 |
| Total domestic deposits to total assets | 62.0947% | 7,911 |
| Equity capital to assets | 8.6654% | 5,818 |
| Core capital (leverage) ratio | 11.0478% | 2,466 |
| Tier 1 risk-based capital ratio | 12.8106% | 4,317 |
| Total risk-based capital ratio | 13.3899% | 4,729 |
| Memoranda: | ||
| Average total assets | $343,810,000 | 2,022 |
| Average earning assets | $330,037,500 | 1,921 |
| Average equity | $32,008,000 | 2,120 |
| Average total loans | $197,463,500 | 2,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 5,875 |
| Cost of funding earning assets | 3.1901% | 1,221 |
| Net interest margin | 2.7456% | 7,417 |
| Noninterest income to average assets | -0.3086% | 8,244 |
| Noninterest expense to average assets | 2.1102% | 7,214 |
| Loan and lease loss provision to assets | 0.1203% | 5,825 |
| Net operating income to assets | 0.0964% | 6,120 |
| Return on assets (ROA) | -0.1630% | 6,418 |
| Pretax return on assets | -0.1630% | 6,338 |
| Return on Equity (ROE) | -1.3253% | 6,408 |
| Retained earnings to average equity (ytd only) | -3.0355% | 6,119 |
| Net charge-offs to loans | 0.1672% | 4,527 |
| Credit loss provision to net charge-offs | 106.9620% | 5,018 |
| Earnings coverage of net charge-offs (x) | 1.9272% | 5,103 |
| Efficiency ratio | 90.6852% | 1,463 |
| Assets per employee ($millions) | 8.2840% | 421 |
| Cash dividends to net income (ytd only)* | -129.0393% | 8,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 7,236 |
| Loan loss allowance to noncurrent loans | 73.5080% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.9755% | 1,549 |
| Noncurrent loans to loans | 1.0376% | 4,509 |
| Net loans and leases to total assets | 61.0121% | 5,768 |
| Net loans and leases to deposits | 99.5817% | 1,891 |
| Net loans and leases to core deposits | 111.2336% | 3,646 |
| Total domestic deposits to total assets | 61.2684% | 7,917 |
| Equity capital to assets | 10.0369% | 3,992 |
| Core capital (leverage) ratio | 12.5291% | 1,742 |
| Tier 1 risk-based capital ratio | 16.1060% | 2,625 |
| Total risk-based capital ratio | 16.7521% | 2,780 |
| Memoranda: | ||
| Average total assets | $280,974,800 | 2,311 |
| Average earning assets | $269,707,200 | 2,232 |
| Average equity | $34,558,200 | 1,969 |
| Average total loans | $188,995,000 | 2,404 |