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Excel Bank, Performance and Condition Ratios
| 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 | 4.4068% | 4,019 |
| Cost of funding earning assets | 0.9898% | 1,625 |
| Net interest margin | 3.4170% | 4,976 |
| Noninterest income to average assets | 0.2019% | 6,083 |
| Noninterest expense to average assets | 4.1947% | 725 |
| Loan and lease loss provision to assets | 3.2676% | 29 |
| Net operating income to assets | -4.2580% | 7,149 |
| Return on assets (ROA) | -4.0473% | 7,143 |
| Pretax return on assets | -4.0435% | 7,141 |
| Return on Equity (ROE) | -131.1459% | 7,168 |
| Retained earnings to average equity (ytd only) | -131.1459% | 7,168 |
| Net charge-offs to loans | 4.4380% | 62 |
| Credit loss provision to net charge-offs | 97.8953% | 3,056 |
| Earnings coverage of net charge-offs (x) | -0.2956% | 5,444 |
| Efficiency ratio | 130.7556% | 144 |
| Assets per employee ($millions) | 4.2298% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9966% | 148 |
| Loan loss allowance to noncurrent loans | 24.8431% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 23.1402% | 19 |
| Noncurrent loans to loans | 20.1125% | 39 |
| Net loans and leases to total assets | 71.5850% | 1,628 |
| Net loans and leases to deposits | 76.7139% | 2,872 |
| Net loans and leases to core deposits | 79.4051% | 3,280 |
| Total domestic deposits to total assets | 93.3143% | 92 |
| Equity capital to assets | 1.7849% | 7,171 |
| Core capital (leverage) ratio | 1.6721% | 7,171 |
| Tier 1 risk-based capital ratio | 2.3597% | 7,172 |
| Total risk-based capital ratio | 3.6566% | 7,172 |
| Memoranda: | ||
| Average total assets | $210,671,750 | 2,949 |
| Average earning assets | $185,345,250 | 3,049 |
| Average equity | $6,501,500 | 5,960 |
| Average total loans | $158,447,000 | 2,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 3,566 |
| Cost of funding earning assets | 1.0159% | 1,672 |
| Net interest margin | 3.5328% | 4,540 |
| Noninterest income to average assets | -0.0576% | 7,060 |
| Noninterest expense to average assets | 4.1534% | 777 |
| Loan and lease loss provision to assets | 4.3380% | 19 |
| Net operating income to assets | -5.4190% | 7,213 |
| Return on assets (ROA) | -5.2015% | 7,212 |
| Pretax return on assets | -5.1979% | 7,211 |
| Return on Equity (ROE) | -150.5555% | 7,224 |
| Retained earnings to average equity (ytd only) | -150.5555% | 7,223 |
| Net charge-offs to loans | 2.8568% | 214 |
| Credit loss provision to net charge-offs | 202.0000% | 1,412 |
| Earnings coverage of net charge-offs (x) | -0.5017% | 5,238 |
| Efficiency ratio | 135.0267% | 143 |
| Assets per employee ($millions) | 4.3603% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2238% | 73 |
| Loan loss allowance to noncurrent loans | 30.2188% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 22.9386% | 23 |
| Noncurrent loans to loans | 20.5956% | 42 |
| Net loans and leases to total assets | 71.4780% | 1,646 |
| Net loans and leases to deposits | 76.5208% | 2,911 |
| Net loans and leases to core deposits | 79.3297% | 3,317 |
| Total domestic deposits to total assets | 93.4099% | 100 |
| Equity capital to assets | 2.0441% | 7,225 |
| Core capital (leverage) ratio | 1.8851% | 7,225 |
| Tier 1 risk-based capital ratio | 2.6681% | 7,225 |
| Total risk-based capital ratio | 3.9817% | 7,224 |
| Memoranda: | ||
| Average total assets | $218,858,000 | 2,884 |
| Average earning assets | $194,121,000 | 2,950 |
| Average equity | $7,561,330 | 5,692 |
| Average total loans | $164,517,330 | 2,404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 4,683 |
| Cost of funding earning assets | 1.0410% | 1,742 |
| Net interest margin | 3.2737% | 5,559 |
| Noninterest income to average assets | -0.5211% | 7,255 |
| Noninterest expense to average assets | 3.6912% | 1,388 |
| Loan and lease loss provision to assets | 0.9579% | 441 |
| Net operating income to assets | -2.2368% | 7,172 |
| Return on assets (ROA) | -2.2368% | 7,175 |
| Pretax return on assets | -2.2351% | 7,158 |
| Return on Equity (ROE) | -54.8859% | 7,234 |
| Retained earnings to average equity (ytd only) | -54.8859% | 7,224 |
| Net charge-offs to loans | 0.3147% | 2,386 |
| Credit loss provision to net charge-offs | 407.4627% | 772 |
| Earnings coverage of net charge-offs (x) | -5.4328% | 4,668 |
| Efficiency ratio | 152.9070% | 96 |
| Assets per employee ($millions) | 4.1202% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5398% | 244 |
| Loan loss allowance to noncurrent loans | 20.1041% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 22.0305% | 32 |
| Noncurrent loans to loans | 22.5815% | 31 |
| Net loans and leases to total assets | 72.5081% | 1,315 |
| Net loans and leases to deposits | 80.6421% | 2,114 |
| Net loans and leases to core deposits | 83.4524% | 2,612 |
| Total domestic deposits to total assets | 89.9134% | 1,134 |
| Equity capital to assets | 3.9648% | 7,190 |
| Core capital (leverage) ratio | 3.6661% | 7,200 |
| Tier 1 risk-based capital ratio | 5.2724% | 7,203 |
| Total risk-based capital ratio | 6.5657% | 7,206 |
| Memoranda: | ||
| Average total assets | $227,999,500 | 2,794 |
| Average earning assets | $204,414,000 | 2,843 |
| Average equity | $9,292,000 | 5,215 |
| Average total loans | $170,335,000 | 2,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 3,986 |
| Cost of funding earning assets | 1.2446% | 1,765 |
| Net interest margin | 3.5148% | 5,094 |
| Noninterest income to average assets | 0.5888% | 3,231 |
| Noninterest expense to average assets | 2.9749% | 3,685 |
| Loan and lease loss provision to assets | 4.0361% | 50 |
| Net operating income to assets | -3.1947% | 7,205 |
| Return on assets (ROA) | -3.1831% | 7,206 |
| Pretax return on assets | -3.1757% | 7,203 |
| Return on Equity (ROE) | -55.0368% | 7,221 |
| Retained earnings to average equity (ytd only) | -55.1706% | 7,223 |
| Net charge-offs to loans | 4.8400% | 88 |
| Credit loss provision to net charge-offs | 103.5431% | 3,338 |
| Earnings coverage of net charge-offs (x) | 0.2177% | 5,665 |
| Efficiency ratio | 77.8025% | 2,616 |
| Assets per employee ($millions) | 4.3205% | 3,218 |
| Cash dividends to net income (ytd only)* | -0.2431% | 7,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0720% | 363 |
| Loan loss allowance to noncurrent loans | 22.2723% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 17.3809% | 82 |
| Noncurrent loans to loans | 18.2828% | 70 |
| Net loans and leases to total assets | 70.5663% | 1,911 |
| Net loans and leases to deposits | 81.6865% | 2,246 |
| Net loans and leases to core deposits | 84.7173% | 2,782 |
| Total domestic deposits to total assets | 86.3868% | 3,087 |
| Equity capital to assets | 4.1771% | 7,216 |
| Core capital (leverage) ratio | 3.9165% | 7,216 |
| Tier 1 risk-based capital ratio | 5.7553% | 7,212 |
| Total risk-based capital ratio | 7.0421% | 7,211 |
| Memoranda: | ||
| Average total assets | $258,492,200 | 2,442 |
| Average earning assets | $237,911,400 | 2,423 |
| Average equity | $14,950,000 | 3,919 |
| Average total loans | $208,181,600 | 1,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 3,456 |
| Cost of funding earning assets | 1.2745% | 1,843 |
| Net interest margin | 3.6496% | 4,564 |
| Noninterest income to average assets | 0.5324% | 3,634 |
| Noninterest expense to average assets | 2.6655% | 4,855 |
| Loan and lease loss provision to assets | 3.7743% | 71 |
| Net operating income to assets | -2.5386% | 7,214 |
| Return on assets (ROA) | -2.5234% | 7,220 |
| Pretax return on assets | -2.5159% | 7,209 |
| Return on Equity (ROE) | -41.0620% | 7,257 |
| Retained earnings to average equity (ytd only) | -41.0620% | 7,251 |
| Net charge-offs to loans | 5.3695% | 79 |
| Credit loss provision to net charge-offs | 85.6078% | 3,938 |
| Earnings coverage of net charge-offs (x) | 0.2820% | 5,388 |
| Efficiency ratio | 68.1930% | 4,279 |
| Assets per employee ($millions) | 4.3960% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8395% | 995 |
| Loan loss allowance to noncurrent loans | 21.0530% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 12.5733% | 204 |
| Noncurrent loans to loans | 13.4874% | 184 |
| Net loans and leases to total assets | 75.1890% | 1,114 |
| Net loans and leases to deposits | 88.0399% | 1,429 |
| Net loans and leases to core deposits | 91.6998% | 2,035 |
| Total domestic deposits to total assets | 85.4033% | 3,554 |
| Equity capital to assets | 5.3474% | 7,238 |
| Core capital (leverage) ratio | 5.0991% | 7,229 |
| Tier 1 risk-based capital ratio | 7.0407% | 7,242 |
| Total risk-based capital ratio | 8.3123% | 7,241 |
| Memoranda: | ||
| Average total assets | $263,708,000 | 2,404 |
| Average earning assets | $243,967,750 | 2,368 |
| Average equity | $16,206,000 | 3,702 |
| Average total loans | $216,526,000 | 1,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 2,987 |
| Cost of funding earning assets | 1.3122% | 1,869 |
| Net interest margin | 3.7248% | 4,152 |
| Noninterest income to average assets | 0.4983% | 3,867 |
| Noninterest expense to average assets | 2.5939% | 5,215 |
| Loan and lease loss provision to assets | 4.4500% | 59 |
| Net operating income to assets | -3.1035% | 7,315 |
| Return on assets (ROA) | -3.0811% | 7,319 |
| Pretax return on assets | -3.0736% | 7,312 |
| Return on Equity (ROE) | -48.1867% | 7,343 |
| Retained earnings to average equity (ytd only) | -48.1867% | 7,340 |
| Net charge-offs to loans | 3.0295% | 341 |
| Credit loss provision to net charge-offs | 175.7513% | 1,712 |
| Earnings coverage of net charge-offs (x) | 0.5348% | 4,906 |
| Efficiency ratio | 65.7029% | 4,933 |
| Assets per employee ($millions) | 4.6324% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3681% | 315 |
| Loan loss allowance to noncurrent loans | 34.7975% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 12.4842% | 233 |
| Noncurrent loans to loans | 12.5530% | 226 |
| Net loans and leases to total assets | 78.7561% | 676 |
| Net loans and leases to deposits | 92.3588% | 1,012 |
| Net loans and leases to core deposits | 96.9870% | 1,583 |
| Total domestic deposits to total assets | 85.2719% | 3,741 |
| Equity capital to assets | 5.4511% | 7,294 |
| Core capital (leverage) ratio | 5.1210% | 7,291 |
| Tier 1 risk-based capital ratio | 6.9675% | 7,312 |
| Total risk-based capital ratio | 8.2605% | 7,315 |
| Memoranda: | ||
| Average total assets | $268,087,330 | 2,383 |
| Average earning assets | $248,280,330 | 2,345 |
| Average equity | $17,141,670 | 3,549 |
| Average total loans | $224,065,670 | 1,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 2,459 |
| Cost of funding earning assets | 1.3307% | 2,006 |
| Net interest margin | 3.8130% | 3,549 |
| Noninterest income to average assets | 0.5609% | 3,428 |
| Noninterest expense to average assets | 2.3875% | 5,919 |
| Loan and lease loss provision to assets | 0.1277% | 4,397 |
| Net operating income to assets | 1.5681% | 741 |
| Return on assets (ROA) | 1.5755% | 771 |
| Pretax return on assets | 1.5828% | 1,229 |
| Return on Equity (ROE) | 23.0233% | 210 |
| Retained earnings to average equity (ytd only) | 23.0233% | 121 |
| Net charge-offs to loans | 0.0087% | 4,982 |
| Credit loss provision to net charge-offs | 1,740.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 135 |
| Efficiency ratio | 58.3632% | 6,226 |
| Assets per employee ($millions) | 4.7824% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0339% | 889 |
| Loan loss allowance to noncurrent loans | 41.5836% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 7.9902% | 596 |
| Noncurrent loans to loans | 7.2960% | 730 |
| Net loans and leases to total assets | 80.2302% | 493 |
| Net loans and leases to deposits | 98.5313% | 543 |
| Net loans and leases to core deposits | 103.0213% | 1,129 |
| Total domestic deposits to total assets | 81.4261% | 5,526 |
| Equity capital to assets | 7.0426% | 7,072 |
| Core capital (leverage) ratio | 6.9184% | 7,039 |
| Tier 1 risk-based capital ratio | 9.0763% | 7,212 |
| Total risk-based capital ratio | 10.3511% | 7,216 |
| Memoranda: | ||
| Average total assets | $272,423,000 | 2,364 |
| Average earning assets | $252,192,000 | 2,328 |
| Average equity | $18,642,000 | 3,304 |
| Average total loans | $229,279,500 | 1,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9800% | 878 |
| Cost of funding earning assets | 1.6940% | 1,631 |
| Net interest margin | 4.2860% | 1,877 |
| Noninterest income to average assets | 0.6083% | 3,418 |
| Noninterest expense to average assets | 2.2994% | 6,358 |
| Loan and lease loss provision to assets | 2.6358% | 409 |
| Net operating income to assets | -0.3433% | 6,260 |
| Return on assets (ROA) | -0.3036% | 6,262 |
| Pretax return on assets | -0.2952% | 6,158 |
| Return on Equity (ROE) | -4.1596% | 6,368 |
| Retained earnings to average equity (ytd only) | -4.1596% | 6,214 |
| Net charge-offs to loans | 1.7896% | 1,181 |
| Credit loss provision to net charge-offs | 172.3957% | 1,962 |
| Earnings coverage of net charge-offs (x) | 1.5049% | 4,628 |
| Efficiency ratio | 49.9842% | 7,129 |
| Assets per employee ($millions) | 4.6939% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9016% | 953 |
| Loan loss allowance to noncurrent loans | 55.8807% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 5.1067% | 1,249 |
| Noncurrent loans to loans | 5.1925% | 1,281 |
| Net loans and leases to total assets | 83.1040% | 373 |
| Net loans and leases to deposits | 105.4440% | 343 |
| Net loans and leases to core deposits | 110.3896% | 897 |
| Total domestic deposits to total assets | 78.8134% | 6,131 |
| Equity capital to assets | 6.6432% | 7,226 |
| Core capital (leverage) ratio | 6.2512% | 7,251 |
| Tier 1 risk-based capital ratio | 8.4939% | 7,305 |
| Total risk-based capital ratio | 9.7683% | 7,311 |
| Memoranda: | ||
| Average total assets | $274,374,400 | 2,327 |
| Average earning assets | $255,553,600 | 2,294 |
| Average equity | $20,026,000 | 3,146 |
| Average total loans | $234,409,400 | 1,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1068% | 751 |
| Cost of funding earning assets | 1.7362% | 1,693 |
| Net interest margin | 4.3706% | 1,614 |
| Noninterest income to average assets | 0.5248% | 3,988 |
| Noninterest expense to average assets | 2.3595% | 6,152 |
| Loan and lease loss provision to assets | 0.7765% | 1,966 |
| Net operating income to assets | 1.4487% | 1,022 |
| Return on assets (ROA) | 1.5011% | 1,001 |
| Pretax return on assets | 1.5098% | 1,589 |
| Return on Equity (ROE) | 20.1188% | 302 |
| Retained earnings to average equity (ytd only) | 20.1188% | 82 |
| Net charge-offs to loans | 0.1232% | 5,315 |
| Credit loss provision to net charge-offs | 737.7880% | 404 |
| Earnings coverage of net charge-offs (x) | 21.2209% | 1,136 |
| Efficiency ratio | 51.3728% | 7,041 |
| Assets per employee ($millions) | 5.1352% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 1,938 |
| Loan loss allowance to noncurrent loans | 43.0474% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 4.8329% | 1,356 |
| Noncurrent loans to loans | 4.9376% | 1,414 |
| Net loans and leases to total assets | 81.7936% | 520 |
| Net loans and leases to deposits | 110.6656% | 244 |
| Net loans and leases to core deposits | 116.0571% | 744 |
| Total domestic deposits to total assets | 73.9106% | 6,923 |
| Equity capital to assets | 7.7133% | 6,989 |
| Core capital (leverage) ratio | 7.7761% | 6,597 |
| Tier 1 risk-based capital ratio | 9.9917% | 7,076 |
| Total risk-based capital ratio | 11.2550% | 7,053 |
| Memoranda: | ||
| Average total assets | $274,906,000 | 2,353 |
| Average earning assets | $255,884,250 | 2,323 |
| Average equity | $20,511,000 | 3,121 |
| Average total loans | $234,759,250 | 1,884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 520 |
| Cost of funding earning assets | 1.8104% | 1,604 |
| Net interest margin | 4.4835% | 1,237 |
| Noninterest income to average assets | 0.4677% | 4,376 |
| Noninterest expense to average assets | 2.3599% | 6,182 |
| Loan and lease loss provision to assets | 0.7832% | 1,837 |
| Net operating income to assets | 1.4833% | 943 |
| Return on assets (ROA) | 1.5176% | 942 |
| Pretax return on assets | 1.5258% | 1,488 |
| Return on Equity (ROE) | 20.5870% | 284 |
| Retained earnings to average equity (ytd only) | 20.5870% | 79 |
| Net charge-offs to loans | 0.0034% | 6,332 |
| Credit loss provision to net charge-offs | 26,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 769.5000% | 36 |
| Efficiency ratio | 50.9247% | 7,157 |
| Assets per employee ($millions) | 4.8266% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 2,251 |
| Loan loss allowance to noncurrent loans | 42.5002% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 4.8340% | 1,343 |
| Noncurrent loans to loans | 4.6423% | 1,549 |
| Net loans and leases to total assets | 86.3250% | 207 |
| Net loans and leases to deposits | 119.2419% | 132 |
| Net loans and leases to core deposits | 124.8188% | 551 |
| Total domestic deposits to total assets | 72.3949% | 7,148 |
| Equity capital to assets | 7.6797% | 7,009 |
| Core capital (leverage) ratio | 7.6035% | 6,727 |
| Tier 1 risk-based capital ratio | 9.4501% | 7,279 |
| Total risk-based capital ratio | 10.7111% | 7,285 |
| Memoranda: | ||
| Average total assets | $270,685,000 | 2,414 |
| Average earning assets | $251,546,670 | 2,379 |
| Average equity | $19,954,330 | 3,178 |
| Average total loans | $232,905,330 | 1,923 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3328% | 500 |
| Cost of funding earning assets | 1.9095% | 1,408 |
| Net interest margin | 4.4233% | 1,324 |
| Noninterest income to average assets | 0.4857% | 4,154 |
| Noninterest expense to average assets | 2.3139% | 6,341 |
| Loan and lease loss provision to assets | 0.2980% | 3,654 |
| Net operating income to assets | 1.9682% | 365 |
| Return on assets (ROA) | 2.0308% | 359 |
| Pretax return on assets | 2.0367% | 572 |
| Return on Equity (ROE) | 28.1503% | 109 |
| Retained earnings to average equity (ytd only) | 28.1503% | 81 |
| Net charge-offs to loans | -0.0018% | 6,761 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4548% | 7,281 |
| Assets per employee ($millions) | 4.5631% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 3,202 |
| Loan loss allowance to noncurrent loans | 69.4567% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.0574% | 2,337 |
| Noncurrent loans to loans | 2.3942% | 3,279 |
| Net loans and leases to total assets | 86.2150% | 203 |
| Net loans and leases to deposits | 119.0145% | 150 |
| Net loans and leases to core deposits | 125.8884% | 588 |
| Total domestic deposits to total assets | 72.4408% | 7,224 |
| Equity capital to assets | 7.5433% | 7,039 |
| Core capital (leverage) ratio | 7.5249% | 6,829 |
| Tier 1 risk-based capital ratio | 9.2943% | 7,395 |
| Total risk-based capital ratio | 10.5512% | 7,391 |
| Memoranda: | ||
| Average total assets | $268,469,500 | 2,486 |
| Average earning assets | $248,863,500 | 2,459 |
| Average equity | $19,367,500 | 3,282 |
| Average total loans | $228,221,000 | 2,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4015% | 828 |
| Cost of funding earning assets | 2.7076% | 571 |
| Net interest margin | 3.6939% | 4,171 |
| Noninterest income to average assets | 0.6643% | 3,196 |
| Noninterest expense to average assets | 2.4271% | 6,383 |
| Loan and lease loss provision to assets | 0.8481% | 2,616 |
| Net operating income to assets | 0.7856% | 2,587 |
| Return on assets (ROA) | 0.4501% | 4,048 |
| Pretax return on assets | 0.4501% | 4,352 |
| Return on Equity (ROE) | 6.5225% | 2,980 |
| Retained earnings to average equity (ytd only) | -7.2533% | 6,266 |
| Net charge-offs to loans | 0.0893% | 6,231 |
| Credit loss provision to net charge-offs | 1,233.3333% | 249 |
| Earnings coverage of net charge-offs (x) | 23.7576% | 925 |
| Efficiency ratio | 59.7701% | 6,522 |
| Assets per employee ($millions) | 4.7807% | 2,504 |
| Cash dividends to net income (ytd only)* | 211.2037% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 2,928 |
| Loan loss allowance to noncurrent loans | 71.6705% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.0823% | 2,252 |
| Noncurrent loans to loans | 2.3574% | 3,218 |
| Net loans and leases to total assets | 80.9375% | 847 |
| Net loans and leases to deposits | 109.3695% | 405 |
| Net loans and leases to core deposits | 147.3306% | 574 |
| Total domestic deposits to total assets | 74.0037% | 7,012 |
| Equity capital to assets | 6.8830% | 7,424 |
| Core capital (leverage) ratio | 6.7840% | 7,373 |
| Tier 1 risk-based capital ratio | 8.9852% | 7,472 |
| Total risk-based capital ratio | 10.2424% | 7,491 |
| Memoranda: | ||
| Average total assets | $239,953,600 | 2,721 |
| Average earning assets | $220,634,600 | 2,699 |
| Average equity | $16,558,000 | 3,768 |
| Average total loans | $184,868,800 | 2,459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6148% | 599 |
| Cost of funding earning assets | 2.8364% | 543 |
| Net interest margin | 3.7784% | 3,745 |
| Noninterest income to average assets | 0.6626% | 3,272 |
| Noninterest expense to average assets | 2.5022% | 6,060 |
| Loan and lease loss provision to assets | 0.6861% | 2,681 |
| Net operating income to assets | 0.9424% | 2,262 |
| Return on assets (ROA) | 0.9424% | 2,327 |
| Pretax return on assets | 0.9424% | 3,088 |
| Return on Equity (ROE) | 13.6473% | 994 |
| Retained earnings to average equity (ytd only) | -2.0218% | 5,728 |
| Net charge-offs to loans | 0.0833% | 5,847 |
| Credit loss provision to net charge-offs | 1,090.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 25.8732% | 1,039 |
| Efficiency ratio | 60.5763% | 6,340 |
| Assets per employee ($millions) | 5.2556% | 1,832 |
| Cash dividends to net income (ytd only)* | 114.8145% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 3,898 |
| Loan loss allowance to noncurrent loans | 188.1714% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3027% | 2,974 |
| Noncurrent loans to loans | 0.7479% | 5,811 |
| Net loans and leases to total assets | 76.9177% | 1,801 |
| Net loans and leases to deposits | 105.8102% | 660 |
| Net loans and leases to core deposits | 146.1255% | 680 |
| Total domestic deposits to total assets | 72.6940% | 7,122 |
| Equity capital to assets | 7.1748% | 7,506 |
| Core capital (leverage) ratio | 7.3227% | 7,170 |
| Tier 1 risk-based capital ratio | 9.4966% | 7,374 |
| Total risk-based capital ratio | 10.7489% | 7,336 |
| Memoranda: | ||
| Average total assets | $233,012,250 | 2,806 |
| Average earning assets | $213,877,250 | 2,797 |
| Average equity | $16,090,750 | 3,892 |
| Average total loans | $175,983,750 | 2,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1318% | 1,682 |
| Cost of funding earning assets | 2.9528% | 536 |
| Net interest margin | 3.1790% | 5,984 |
| Noninterest income to average assets | 0.7202% | 2,864 |
| Noninterest expense to average assets | 2.5228% | 6,046 |
| Loan and lease loss provision to assets | 0.3551% | 3,796 |
| Net operating income to assets | 0.7635% | 2,998 |
| Return on assets (ROA) | 0.9578% | 2,354 |
| Pretax return on assets | 0.9578% | 3,153 |
| Return on Equity (ROE) | 14.0920% | 973 |
| Retained earnings to average equity (ytd only) | 3.5762% | 3,311 |
| Net charge-offs to loans | -0.0679% | 7,895 |
| Credit loss provision to net charge-offs | -701.7857% | 7,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2804% | 4,929 |
| Assets per employee ($millions) | 5.1202% | 1,948 |
| Cash dividends to net income (ytd only)* | 74.6226% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,629 |
| Loan loss allowance to noncurrent loans | 191.2791% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 2.5892% | 2,486 |
| Noncurrent loans to loans | 0.6517% | 5,950 |
| Net loans and leases to total assets | 72.7138% | 3,030 |
| Net loans and leases to deposits | 101.3674% | 1,130 |
| Net loans and leases to core deposits | 135.9391% | 1,212 |
| Total domestic deposits to total assets | 71.7329% | 7,273 |
| Equity capital to assets | 7.2286% | 7,466 |
| Core capital (leverage) ratio | 8.1125% | 6,140 |
| Tier 1 risk-based capital ratio | 10.0368% | 6,880 |
| Total risk-based capital ratio | 11.2551% | 6,851 |
| Memoranda: | ||
| Average total assets | $221,337,670 | 2,957 |
| Average earning assets | $203,398,670 | 2,956 |
| Average equity | $15,044,000 | 4,107 |
| Average total loans | $164,941,670 | 2,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0822% | 2,009 |
| Cost of funding earning assets | 3.0390% | 544 |
| Net interest margin | 3.0432% | 6,359 |
| Noninterest income to average assets | 0.6661% | 3,101 |
| Noninterest expense to average assets | 2.4167% | 6,137 |
| Loan and lease loss provision to assets | 0.2324% | 4,127 |
| Net operating income to assets | 0.8056% | 3,106 |
| Return on assets (ROA) | 0.8056% | 3,264 |
| Pretax return on assets | 0.8056% | 4,060 |
| Return on Equity (ROE) | 12.3278% | 1,561 |
| Retained earnings to average equity (ytd only) | -1.7484% | 6,048 |
| Net charge-offs to loans | -0.0129% | 7,337 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9552% | 4,589 |
| Assets per employee ($millions) | 4.7256% | 2,406 |
| Cash dividends to net income (ytd only)* | 114.1827% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 4,613 |
| Loan loss allowance to noncurrent loans | 145.4078% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 2.8011% | 2,031 |
| Noncurrent loans to loans | 0.8433% | 5,333 |
| Net loans and leases to total assets | 73.3299% | 2,933 |
| Net loans and leases to deposits | 97.7873% | 1,698 |
| Net loans and leases to core deposits | 131.1872% | 1,590 |
| Total domestic deposits to total assets | 74.9892% | 6,716 |
| Equity capital to assets | 6.3373% | 7,924 |
| Core capital (leverage) ratio | 7.0614% | 7,596 |
| Tier 1 risk-based capital ratio | 8.9669% | 7,807 |
| Total risk-based capital ratio | 10.1787% | 7,870 |
| Memoranda: | ||
| Average total assets | $206,560,500 | 3,161 |
| Average earning assets | $189,272,500 | 3,165 |
| Average equity | $13,498,000 | 4,443 |
| Average total loans | $155,044,500 | 2,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5398% | 2,763 |
| Cost of funding earning assets | 3.4628% | 579 |
| Net interest margin | 3.0770% | 6,714 |
| Noninterest income to average assets | 0.7103% | 3,053 |
| Noninterest expense to average assets | 2.4968% | 6,019 |
| Loan and lease loss provision to assets | 0.3580% | 3,535 |
| Net operating income to assets | 0.7063% | 3,867 |
| Return on assets (ROA) | 0.7217% | 3,625 |
| Pretax return on assets | 0.7217% | 4,327 |
| Return on Equity (ROE) | 10.1192% | 2,221 |
| Retained earnings to average equity (ytd only) | 1.6062% | 4,250 |
| Net charge-offs to loans | 0.2379% | 3,868 |
| Credit loss provision to net charge-offs | 214.0411% | 2,257 |
| Earnings coverage of net charge-offs (x) | 6.3630% | 3,373 |
| Efficiency ratio | 70.1142% | 4,331 |
| Assets per employee ($millions) | 4.4487% | 2,700 |
| Cash dividends to net income (ytd only)* | 84.1270% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,178 |
| Loan loss allowance to noncurrent loans | 110.1604% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.7594% | 2,777 |
| Noncurrent loans to loans | 1.1318% | 4,282 |
| Net loans and leases to total assets | 75.0234% | 2,879 |
| Net loans and leases to deposits | 104.8853% | 1,251 |
| Net loans and leases to core deposits | 134.9578% | 1,538 |
| Total domestic deposits to total assets | 71.5290% | 7,083 |
| Equity capital to assets | 6.7538% | 7,853 |
| Core capital (leverage) ratio | 7.2987% | 7,420 |
| Tier 1 risk-based capital ratio | 9.4896% | 7,318 |
| Total risk-based capital ratio | 10.7400% | 7,239 |
| Memoranda: | ||
| Average total assets | $174,583,200 | 3,484 |
| Average earning assets | $161,748,800 | 3,442 |
| Average equity | $12,451,600 | 4,709 |
| Average total loans | $122,757,200 | 3,404 |