Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 1,210 |
| Cost of funding earning assets | 0.8026% | 1,512 |
| Net interest margin | 4.0376% | 1,654 |
| Noninterest income to average assets | 0.8172% | 2,063 |
| Noninterest expense to average assets | 6.2147% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.8333% | 6,914 |
| Return on assets (ROA) | -1.3952% | 6,879 |
| Pretax return on assets | -1.3952% | 6,871 |
| Return on Equity (ROE) | -14.3399% | 6,859 |
| Retained earnings to average equity (ytd only) | -157.0362% | 7,009 |
| Net charge-offs to loans | 8.0165% | 19 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3375% | 3,901 |
| Efficiency ratio | 125.9574% | 175 |
| Assets per employee ($millions) | 2.6206% | 6,476 |
| Cash dividends to net income (ytd only)* | -995.1002% | 7,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0060% | 6,959 |
| Loan loss allowance to noncurrent loans | 0.5675% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 2,623 |
| Noncurrent loans to loans | 1.0609% | 4,019 |
| Net loans and leases to total assets | 68.8852% | 1,862 |
| Net loans and leases to deposits | 75.3038% | 2,733 |
| Net loans and leases to core deposits | 75.9610% | 3,331 |
| Total domestic deposits to total assets | 91.4764% | 359 |
| Equity capital to assets | 8.2424% | 6,223 |
| Core capital (leverage) ratio | 7.7324% | 6,334 |
| Tier 1 risk-based capital ratio | 11.2812% | 6,277 |
| Total risk-based capital ratio | 11.2868% | 6,675 |
| Memoranda: | ||
| Average total assets | $128,726,500 | 4,211 |
| Average earning assets | $113,631,500 | 4,295 |
| Average equity | $12,524,500 | 4,468 |
| Average total loans | $87,220,000 | 3,805 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 252 |
| Cost of funding earning assets | 0.8850% | 2,031 |
| Net interest margin | 5.1472% | 300 |
| Noninterest income to average assets | 0.7682% | 2,401 |
| Noninterest expense to average assets | 4.6542% | 497 |
| Loan and lease loss provision to assets | 0.3282% | 2,069 |
| Net operating income to assets | 0.3409% | 5,325 |
| Return on assets (ROA) | 0.5176% | 4,881 |
| Pretax return on assets | 0.5176% | 5,225 |
| Return on Equity (ROE) | 4.6828% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.8191% | 3,517 |
| Net charge-offs to loans | 1.0182% | 1,062 |
| Credit loss provision to net charge-offs | 46.7588% | 4,765 |
| Earnings coverage of net charge-offs (x) | 0.9532% | 4,991 |
| Efficiency ratio | 87.4317% | 1,289 |
| Assets per employee ($millions) | 2.4892% | 6,624 |
| Cash dividends to net income (ytd only)* | 18.4438% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,240 |
| Loan loss allowance to noncurrent loans | 84.1575% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 2,243 |
| Noncurrent loans to loans | 2.2791% | 2,375 |
| Net loans and leases to total assets | 65.4778% | 2,614 |
| Net loans and leases to deposits | 73.7681% | 3,136 |
| Net loans and leases to core deposits | 74.1673% | 3,760 |
| Total domestic deposits to total assets | 88.7616% | 1,725 |
| Equity capital to assets | 11.0390% | 2,901 |
| Core capital (leverage) ratio | 11.3968% | 1,940 |
| Tier 1 risk-based capital ratio | 15.0076% | 3,715 |
| Total risk-based capital ratio | 16.2642% | 3,663 |
| Memoranda: | ||
| Average total assets | $134,073,200 | 4,061 |
| Average earning assets | $118,647,400 | 4,136 |
| Average equity | $14,820,200 | 4,004 |
| Average total loans | $92,419,000 | 3,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 437 |
| Cost of funding earning assets | 0.9110% | 2,100 |
| Net interest margin | 4.8221% | 544 |
| Noninterest income to average assets | 0.8528% | 2,019 |
| Noninterest expense to average assets | 4.8527% | 405 |
| Loan and lease loss provision to assets | 0.2249% | 2,808 |
| Net operating income to assets | 0.0510% | 6,208 |
| Return on assets (ROA) | 0.2879% | 5,855 |
| Pretax return on assets | 0.2879% | 5,980 |
| Return on Equity (ROE) | 2.6039% | 5,847 |
| Retained earnings to average equity (ytd only) | 2.6039% | 5,006 |
| Net charge-offs to loans | 1.3682% | 668 |
| Credit loss provision to net charge-offs | 23.6593% | 4,901 |
| Earnings coverage of net charge-offs (x) | 0.2902% | 5,183 |
| Efficiency ratio | 94.6199% | 737 |
| Assets per employee ($millions) | 2.3274% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 3,371 |
| Loan loss allowance to noncurrent loans | 33.7456% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 4.3897% | 1,061 |
| Noncurrent loans to loans | 4.8611% | 940 |
| Net loans and leases to total assets | 72.8981% | 1,410 |
| Net loans and leases to deposits | 83.1947% | 1,973 |
| Net loans and leases to core deposits | 83.6910% | 2,733 |
| Total domestic deposits to total assets | 87.6234% | 2,278 |
| Equity capital to assets | 11.8467% | 2,397 |
| Core capital (leverage) ratio | 11.1632% | 2,243 |
| Tier 1 risk-based capital ratio | 14.4522% | 4,219 |
| Total risk-based capital ratio | 15.7058% | 4,184 |
| Memoranda: | ||
| Average total assets | $133,365,000 | 4,109 |
| Average earning assets | $118,258,000 | 4,192 |
| Average equity | $14,747,000 | 4,058 |
| Average total loans | $92,674,750 | 3,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 546 |
| Cost of funding earning assets | 0.9298% | 2,185 |
| Net interest margin | 4.7056% | 667 |
| Noninterest income to average assets | 0.8387% | 2,011 |
| Noninterest expense to average assets | 4.6378% | 484 |
| Loan and lease loss provision to assets | 0.2207% | 2,870 |
| Net operating income to assets | 0.1501% | 6,039 |
| Return on assets (ROA) | 0.3620% | 5,596 |
| Pretax return on assets | 0.3620% | 5,797 |
| Return on Equity (ROE) | 3.3470% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.3470% | 4,371 |
| Net charge-offs to loans | 1.9110% | 454 |
| Credit loss provision to net charge-offs | 16.9683% | 4,656 |
| Earnings coverage of net charge-offs (x) | 0.2851% | 4,936 |
| Efficiency ratio | 92.5969% | 889 |
| Assets per employee ($millions) | 2.3039% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,493 |
| Loan loss allowance to noncurrent loans | 36.0275% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 4.0389% | 1,261 |
| Noncurrent loans to loans | 4.5283% | 1,165 |
| Net loans and leases to total assets | 71.0355% | 1,731 |
| Net loans and leases to deposits | 80.6203% | 2,294 |
| Net loans and leases to core deposits | 83.2947% | 2,786 |
| Total domestic deposits to total assets | 88.1111% | 2,069 |
| Equity capital to assets | 11.5455% | 2,546 |
| Core capital (leverage) ratio | 10.6022% | 2,708 |
| Tier 1 risk-based capital ratio | 13.6218% | 4,725 |
| Total risk-based capital ratio | 14.8745% | 4,693 |
| Memoranda: | ||
| Average total assets | $135,926,330 | 4,074 |
| Average earning assets | $120,453,000 | 4,158 |
| Average equity | $14,699,670 | 4,049 |
| Average total loans | $92,517,330 | 3,745 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 755 |
| Cost of funding earning assets | 0.9461% | 2,333 |
| Net interest margin | 4.5521% | 910 |
| Noninterest income to average assets | 0.8523% | 1,940 |
| Noninterest expense to average assets | 4.4167% | 588 |
| Loan and lease loss provision to assets | 0.2152% | 2,791 |
| Net operating income to assets | 0.2525% | 5,808 |
| Return on assets (ROA) | 0.2525% | 5,961 |
| Pretax return on assets | 0.2525% | 6,077 |
| Return on Equity (ROE) | 2.4107% | 5,940 |
| Retained earnings to average equity (ytd only) | 2.4107% | 5,061 |
| Net charge-offs to loans | 3.6923% | 170 |
| Credit loss provision to net charge-offs | 8.8132% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.1915% | 4,272 |
| Efficiency ratio | 90.4230% | 1,055 |
| Assets per employee ($millions) | 2.5790% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 3,558 |
| Loan loss allowance to noncurrent loans | 33.3860% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 4.2208% | 1,288 |
| Noncurrent loans to loans | 4.9297% | 1,145 |
| Net loans and leases to total assets | 63.4220% | 2,964 |
| Net loans and leases to deposits | 74.3487% | 3,073 |
| Net loans and leases to core deposits | 76.7041% | 3,524 |
| Total domestic deposits to total assets | 85.3035% | 3,878 |
| Equity capital to assets | 10.4966% | 3,494 |
| Core capital (leverage) ratio | 10.2413% | 3,060 |
| Tier 1 risk-based capital ratio | 13.5753% | 4,772 |
| Total risk-based capital ratio | 14.8271% | 4,759 |
| Memoranda: | ||
| Average total assets | $139,379,500 | 4,046 |
| Average earning assets | $123,459,500 | 4,118 |
| Average equity | $14,601,500 | 4,071 |
| Average total loans | $92,191,000 | 3,774 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 953 |
| Cost of funding earning assets | 1.1091% | 2,610 |
| Net interest margin | 4.4928% | 1,152 |
| Noninterest income to average assets | 0.6621% | 2,824 |
| Noninterest expense to average assets | 4.2868% | 730 |
| Loan and lease loss provision to assets | 0.6683% | 1,529 |
| Net operating income to assets | -0.2725% | 6,321 |
| Return on assets (ROA) | -0.0674% | 6,212 |
| Pretax return on assets | -0.0674% | 6,187 |
| Return on Equity (ROE) | -0.6618% | 6,217 |
| Retained earnings to average equity (ytd only) | -2.8544% | 6,255 |
| Net charge-offs to loans | 0.7265% | 2,335 |
| Credit loss provision to net charge-offs | 136.6295% | 2,185 |
| Earnings coverage of net charge-offs (x) | 0.8092% | 5,193 |
| Efficiency ratio | 91.5479% | 1,073 |
| Assets per employee ($millions) | 2.5832% | 6,744 |
| Cash dividends to net income (ytd only)* | -331.3131% | 7,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 1,486 |
| Loan loss allowance to noncurrent loans | 39.2205% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 4.8704% | 1,110 |
| Noncurrent loans to loans | 6.0763% | 808 |
| Net loans and leases to total assets | 66.1859% | 2,752 |
| Net loans and leases to deposits | 77.5666% | 2,905 |
| Net loans and leases to core deposits | 81.7913% | 3,209 |
| Total domestic deposits to total assets | 85.3278% | 3,674 |
| Equity capital to assets | 10.4556% | 3,582 |
| Core capital (leverage) ratio | 9.8741% | 3,489 |
| Tier 1 risk-based capital ratio | 13.1994% | 4,915 |
| Total risk-based capital ratio | 14.4597% | 4,884 |
| Memoranda: | ||
| Average total assets | $146,800,400 | 3,861 |
| Average earning assets | $131,365,400 | 3,904 |
| Average equity | $14,959,200 | 3,917 |
| Average total loans | $98,830,000 | 3,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5540% | 1,130 |
| Cost of funding earning assets | 1.1448% | 2,663 |
| Net interest margin | 4.4092% | 1,380 |
| Noninterest income to average assets | 0.6262% | 3,016 |
| Noninterest expense to average assets | 4.1992% | 796 |
| Loan and lease loss provision to assets | 0.0260% | 6,124 |
| Net operating income to assets | 0.3534% | 5,193 |
| Return on assets (ROA) | 0.3588% | 5,357 |
| Pretax return on assets | 0.3588% | 5,579 |
| Return on Equity (ROE) | 3.5430% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.6378% | 5,762 |
| Net charge-offs to loans | 0.9370% | 1,717 |
| Credit loss provision to net charge-offs | 4.1311% | 5,711 |
| Earnings coverage of net charge-offs (x) | 0.6026% | 5,172 |
| Efficiency ratio | 91.7124% | 1,049 |
| Assets per employee ($millions) | 2.5610% | 6,825 |
| Cash dividends to net income (ytd only)* | 81.9995% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,868 |
| Loan loss allowance to noncurrent loans | 32.6799% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 3.6896% | 1,697 |
| Noncurrent loans to loans | 4.0714% | 1,630 |
| Net loans and leases to total assets | 69.3378% | 2,208 |
| Net loans and leases to deposits | 82.0728% | 2,342 |
| Net loans and leases to core deposits | 86.1623% | 2,753 |
| Total domestic deposits to total assets | 84.4832% | 4,019 |
| Equity capital to assets | 11.1293% | 3,022 |
| Core capital (leverage) ratio | 10.1554% | 3,236 |
| Tier 1 risk-based capital ratio | 13.1720% | 4,971 |
| Total risk-based capital ratio | 14.3631% | 4,991 |
| Memoranda: | ||
| Average total assets | $148,626,750 | 3,847 |
| Average earning assets | $133,233,000 | 3,890 |
| Average equity | $15,052,750 | 3,909 |
| Average total loans | $99,892,500 | 3,655 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4379% | 1,453 |
| Cost of funding earning assets | 1.1860% | 2,674 |
| Net interest margin | 4.2519% | 1,837 |
| Noninterest income to average assets | 0.4589% | 4,207 |
| Noninterest expense to average assets | 4.0471% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2288% | 5,632 |
| Return on assets (ROA) | 0.2367% | 5,725 |
| Pretax return on assets | 0.2367% | 5,845 |
| Return on Equity (ROE) | 2.4116% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.4116% | 4,757 |
| Net charge-offs to loans | 0.8942% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.3862% | 5,014 |
| Efficiency ratio | 94.6489% | 938 |
| Assets per employee ($millions) | 2.7461% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,662 |
| Loan loss allowance to noncurrent loans | 33.1898% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 4.0215% | 1,586 |
| Noncurrent loans to loans | 4.8475% | 1,363 |
| Net loans and leases to total assets | 64.7937% | 3,295 |
| Net loans and leases to deposits | 75.9991% | 3,471 |
| Net loans and leases to core deposits | 79.4530% | 3,866 |
| Total domestic deposits to total assets | 85.2558% | 3,751 |
| Equity capital to assets | 10.4939% | 3,515 |
| Core capital (leverage) ratio | 9.9085% | 3,377 |
| Tier 1 risk-based capital ratio | 13.4995% | 4,524 |
| Total risk-based capital ratio | 14.7519% | 4,505 |
| Memoranda: | ||
| Average total assets | $151,217,670 | 3,827 |
| Average earning assets | $135,752,000 | 3,865 |
| Average equity | $14,845,000 | 3,936 |
| Average total loans | $100,196,000 | 3,682 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 2,188 |
| Cost of funding earning assets | 1.2320% | 2,613 |
| Net interest margin | 3.9782% | 2,782 |
| Noninterest income to average assets | 0.6206% | 3,037 |
| Noninterest expense to average assets | 4.0063% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2025% | 5,775 |
| Return on assets (ROA) | 0.2181% | 5,787 |
| Pretax return on assets | 0.2181% | 5,897 |
| Return on Equity (ROE) | 2.2965% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.2965% | 4,775 |
| Net charge-offs to loans | 1.4184% | 964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2149% | 4,451 |
| Efficiency ratio | 95.1882% | 973 |
| Assets per employee ($millions) | 2.8985% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,625 |
| Loan loss allowance to noncurrent loans | 32.1161% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 4.2423% | 1,545 |
| Noncurrent loans to loans | 5.0622% | 1,325 |
| Net loans and leases to total assets | 65.3180% | 3,172 |
| Net loans and leases to deposits | 75.7683% | 3,458 |
| Net loans and leases to core deposits | 79.0474% | 3,874 |
| Total domestic deposits to total assets | 86.2076% | 3,394 |
| Equity capital to assets | 9.7034% | 4,173 |
| Core capital (leverage) ratio | 9.6202% | 3,636 |
| Tier 1 risk-based capital ratio | 13.1474% | 4,712 |
| Total risk-based capital ratio | 14.4003% | 4,688 |
| Memoranda: | ||
| Average total assets | $154,055,500 | 3,811 |
| Average earning assets | $138,956,000 | 3,842 |
| Average equity | $14,631,000 | 3,967 |
| Average total loans | $102,372,000 | 3,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0636% | 753 |
| Cost of funding earning assets | 1.4406% | 3,016 |
| Net interest margin | 4.6230% | 960 |
| Noninterest income to average assets | 0.7441% | 2,569 |
| Noninterest expense to average assets | 4.0094% | 1,146 |
| Loan and lease loss provision to assets | 0.8242% | 1,989 |
| Net operating income to assets | 0.0644% | 5,665 |
| Return on assets (ROA) | 0.0985% | 5,731 |
| Pretax return on assets | 0.0985% | 5,702 |
| Return on Equity (ROE) | 1.0167% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.0167% | 5,033 |
| Net charge-offs to loans | 0.8176% | 2,594 |
| Credit loss provision to net charge-offs | 137.4589% | 2,772 |
| Earnings coverage of net charge-offs (x) | 1.4819% | 4,642 |
| Efficiency ratio | 81.8316% | 2,190 |
| Assets per employee ($millions) | 2.9696% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9012% | 2,561 |
| Loan loss allowance to noncurrent loans | 34.1338% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 4.3961% | 1,518 |
| Noncurrent loans to loans | 5.5699% | 1,174 |
| Net loans and leases to total assets | 65.2386% | 3,612 |
| Net loans and leases to deposits | 75.0885% | 4,004 |
| Net loans and leases to core deposits | 79.4035% | 4,290 |
| Total domestic deposits to total assets | 86.8823% | 2,891 |
| Equity capital to assets | 9.2998% | 4,693 |
| Core capital (leverage) ratio | 9.5173% | 3,685 |
| Tier 1 risk-based capital ratio | 12.3129% | 5,193 |
| Total risk-based capital ratio | 13.5687% | 5,157 |
| Memoranda: | ||
| Average total assets | $152,266,600 | 3,840 |
| Average earning assets | $136,817,000 | 3,879 |
| Average equity | $14,753,400 | 3,981 |
| Average total loans | $111,672,600 | 3,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2113% | 604 |
| Cost of funding earning assets | 1.4965% | 3,001 |
| Net interest margin | 4.7149% | 813 |
| Noninterest income to average assets | 0.7170% | 2,726 |
| Noninterest expense to average assets | 4.0471% | 990 |
| Loan and lease loss provision to assets | 0.7082% | 2,158 |
| Net operating income to assets | 0.1907% | 5,534 |
| Return on assets (ROA) | 0.1907% | 5,697 |
| Pretax return on assets | 0.1907% | 5,749 |
| Return on Equity (ROE) | 1.9482% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.9482% | 4,982 |
| Net charge-offs to loans | 0.1940% | 4,787 |
| Credit loss provision to net charge-offs | 486.0606% | 605 |
| Earnings coverage of net charge-offs (x) | 6.1698% | 2,583 |
| Efficiency ratio | 81.7890% | 2,082 |
| Assets per employee ($millions) | 2.7249% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,960 |
| Loan loss allowance to noncurrent loans | 33.5487% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 4.9845% | 1,294 |
| Noncurrent loans to loans | 6.3107% | 960 |
| Net loans and leases to total assets | 69.2317% | 2,919 |
| Net loans and leases to deposits | 80.8155% | 3,303 |
| Net loans and leases to core deposits | 85.6809% | 3,704 |
| Total domestic deposits to total assets | 85.6664% | 3,261 |
| Equity capital to assets | 10.0385% | 4,110 |
| Core capital (leverage) ratio | 9.7258% | 3,584 |
| Tier 1 risk-based capital ratio | 12.3101% | 5,170 |
| Total risk-based capital ratio | 13.5683% | 5,137 |
| Memoranda: | ||
| Average total assets | $150,985,750 | 3,912 |
| Average earning assets | $135,426,500 | 3,961 |
| Average equity | $14,782,500 | 4,038 |
| Average total loans | $113,423,500 | 3,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2051% | 617 |
| Cost of funding earning assets | 1.5687% | 2,844 |
| Net interest margin | 4.6364% | 919 |
| Noninterest income to average assets | 0.7830% | 2,221 |
| Noninterest expense to average assets | 4.0864% | 938 |
| Loan and lease loss provision to assets | 0.9638% | 1,518 |
| Net operating income to assets | -0.1103% | 6,246 |
| Return on assets (ROA) | -0.1103% | 6,319 |
| Pretax return on assets | -0.1103% | 6,260 |
| Return on Equity (ROE) | -1.1367% | 6,337 |
| Retained earnings to average equity (ytd only) | -1.1367% | 6,002 |
| Net charge-offs to loans | 0.2325% | 4,211 |
| Credit loss provision to net charge-offs | 541.0448% | 687 |
| Earnings coverage of net charge-offs (x) | 4.7910% | 2,842 |
| Efficiency ratio | 82.6695% | 2,080 |
| Assets per employee ($millions) | 2.7005% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 2,224 |
| Loan loss allowance to noncurrent loans | 33.2393% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 5.0987% | 1,247 |
| Noncurrent loans to loans | 5.9658% | 1,075 |
| Net loans and leases to total assets | 74.5120% | 1,809 |
| Net loans and leases to deposits | 88.1792% | 2,144 |
| Net loans and leases to core deposits | 94.1777% | 2,689 |
| Total domestic deposits to total assets | 84.5007% | 3,869 |
| Equity capital to assets | 9.9778% | 4,054 |
| Core capital (leverage) ratio | 9.5158% | 3,798 |
| Tier 1 risk-based capital ratio | 11.5819% | 5,688 |
| Total risk-based capital ratio | 12.8392% | 5,646 |
| Memoranda: | ||
| Average total assets | $150,450,330 | 3,945 |
| Average earning assets | $134,889,670 | 4,006 |
| Average equity | $14,604,000 | 4,072 |
| Average total loans | $115,255,670 | 3,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1243% | 745 |
| Cost of funding earning assets | 1.6440% | 2,685 |
| Net interest margin | 4.4804% | 1,187 |
| Noninterest income to average assets | 0.7344% | 2,385 |
| Noninterest expense to average assets | 3.9231% | 1,140 |
| Loan and lease loss provision to assets | 1.7119% | 661 |
| Net operating income to assets | -0.8903% | 7,056 |
| Return on assets (ROA) | -0.8903% | 7,083 |
| Pretax return on assets | -0.8903% | 6,998 |
| Return on Equity (ROE) | -9.2991% | 7,112 |
| Retained earnings to average equity (ytd only) | -9.2991% | 6,922 |
| Net charge-offs to loans | 0.3607% | 2,968 |
| Credit loss provision to net charge-offs | 617.1429% | 707 |
| Earnings coverage of net charge-offs (x) | 2.9619% | 3,069 |
| Efficiency ratio | 82.6281% | 2,187 |
| Assets per employee ($millions) | 2.7154% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 2,536 |
| Loan loss allowance to noncurrent loans | 34.1756% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 4.8752% | 1,339 |
| Noncurrent loans to loans | 5.4605% | 1,291 |
| Net loans and leases to total assets | 77.1448% | 1,302 |
| Net loans and leases to deposits | 92.1447% | 1,593 |
| Net loans and leases to core deposits | 99.1634% | 2,219 |
| Total domestic deposits to total assets | 83.7214% | 4,287 |
| Equity capital to assets | 9.5916% | 4,386 |
| Core capital (leverage) ratio | 9.2226% | 4,184 |
| Tier 1 risk-based capital ratio | 11.0019% | 6,152 |
| Total risk-based capital ratio | 12.2580% | 6,121 |
| Memoranda: | ||
| Average total assets | $151,411,000 | 3,991 |
| Average earning assets | $135,525,000 | 4,046 |
| Average equity | $14,496,000 | 4,127 |
| Average total loans | $116,428,000 | 3,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4361% | 764 |
| Cost of funding earning assets | 2.2175% | 1,957 |
| Net interest margin | 4.2186% | 2,007 |
| Noninterest income to average assets | 0.4789% | 4,583 |
| Noninterest expense to average assets | 4.2142% | 1,080 |
| Loan and lease loss provision to assets | 1.6588% | 1,381 |
| Net operating income to assets | -1.6193% | 6,915 |
| Return on assets (ROA) | -1.6193% | 6,921 |
| Pretax return on assets | -1.6193% | 6,771 |
| Return on Equity (ROE) | -17.0023% | 7,031 |
| Retained earnings to average equity (ytd only) | -18.6738% | 7,054 |
| Net charge-offs to loans | 2.5809% | 886 |
| Credit loss provision to net charge-offs | 84.4408% | 6,174 |
| Earnings coverage of net charge-offs (x) | 0.0201% | 6,170 |
| Efficiency ratio | 98.9671% | 1,154 |
| Assets per employee ($millions) | 2.7406% | 6,781 |
| Cash dividends to net income (ytd only)* | -9.8309% | 7,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,087 |
| Loan loss allowance to noncurrent loans | 27.0120% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 4.5422% | 1,422 |
| Noncurrent loans to loans | 5.2845% | 1,243 |
| Net loans and leases to total assets | 74.1512% | 2,235 |
| Net loans and leases to deposits | 91.9783% | 1,901 |
| Net loans and leases to core deposits | 110.9235% | 2,804 |
| Total domestic deposits to total assets | 80.6181% | 5,463 |
| Equity capital to assets | 9.5567% | 4,346 |
| Core capital (leverage) ratio | 9.2462% | 4,061 |
| Tier 1 risk-based capital ratio | 11.3464% | 5,570 |
| Total risk-based capital ratio | 12.5972% | 5,517 |
| Memoranda: | ||
| Average total assets | $157,039,400 | 3,833 |
| Average earning assets | $140,519,600 | 3,892 |
| Average equity | $14,956,800 | 4,064 |
| Average total loans | $119,534,000 | 3,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4627% | 815 |
| Cost of funding earning assets | 2.2663% | 2,125 |
| Net interest margin | 4.1964% | 2,075 |
| Noninterest income to average assets | 0.3850% | 5,436 |
| Noninterest expense to average assets | 4.2498% | 975 |
| Loan and lease loss provision to assets | 1.6268% | 1,154 |
| Net operating income to assets | -1.7307% | 7,207 |
| Return on assets (ROA) | -1.7307% | 7,208 |
| Pretax return on assets | -1.7307% | 7,061 |
| Return on Equity (ROE) | -18.1863% | 7,314 |
| Retained earnings to average equity (ytd only) | -20.4041% | 7,351 |
| Net charge-offs to loans | 2.4917% | 733 |
| Credit loss provision to net charge-offs | 85.5304% | 5,608 |
| Earnings coverage of net charge-offs (x) | -0.0546% | 6,133 |
| Efficiency ratio | 102.3824% | 965 |
| Assets per employee ($millions) | 2.8784% | 6,460 |
| Cash dividends to net income (ytd only)* | -12.1953% | 7,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 3,173 |
| Loan loss allowance to noncurrent loans | 42.4499% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 3.2947% | 2,052 |
| Noncurrent loans to loans | 3.6630% | 2,041 |
| Net loans and leases to total assets | 73.3988% | 2,688 |
| Net loans and leases to deposits | 91.7732% | 2,273 |
| Net loans and leases to core deposits | 112.9195% | 2,939 |
| Total domestic deposits to total assets | 79.9785% | 5,445 |
| Equity capital to assets | 9.8924% | 4,222 |
| Core capital (leverage) ratio | 9.5364% | 3,862 |
| Tier 1 risk-based capital ratio | 11.8895% | 5,072 |
| Total risk-based capital ratio | 13.1422% | 5,006 |
| Memoranda: | ||
| Average total assets | $157,931,000 | 3,829 |
| Average earning assets | $141,547,000 | 3,900 |
| Average equity | $15,029,250 | 4,091 |
| Average total loans | $120,555,000 | 3,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4904% | 842 |
| Cost of funding earning assets | 2.2909% | 2,387 |
| Net interest margin | 4.1995% | 2,004 |
| Noninterest income to average assets | 0.1663% | 7,089 |
| Noninterest expense to average assets | 4.3725% | 870 |
| Loan and lease loss provision to assets | 2.4275% | 652 |
| Net operating income to assets | -2.8835% | 7,648 |
| Return on assets (ROA) | -2.8835% | 7,647 |
| Pretax return on assets | -2.8835% | 7,536 |
| Return on Equity (ROE) | -30.6967% | 7,723 |
| Retained earnings to average equity (ytd only) | -34.0493% | 7,747 |
| Net charge-offs to loans | 3.1250% | 525 |
| Credit loss provision to net charge-offs | 100.9958% | 4,524 |
| Earnings coverage of net charge-offs (x) | -0.1897% | 5,876 |
| Efficiency ratio | 111.5150% | 809 |
| Assets per employee ($millions) | 2.7889% | 6,658 |
| Cash dividends to net income (ytd only)* | -10.9218% | 7,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 2,021 |
| Loan loss allowance to noncurrent loans | 39.5250% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 4.0236% | 1,467 |
| Noncurrent loans to loans | 4.5730% | 1,402 |
| Net loans and leases to total assets | 74.6832% | 2,522 |
| Net loans and leases to deposits | 92.8639% | 2,304 |
| Net loans and leases to core deposits | 116.3808% | 2,681 |
| Total domestic deposits to total assets | 80.4222% | 5,309 |
| Equity capital to assets | 9.4854% | 4,626 |
| Core capital (leverage) ratio | 9.2699% | 4,210 |
| Tier 1 risk-based capital ratio | 11.4555% | 5,437 |
| Total risk-based capital ratio | 12.7107% | 5,346 |
| Memoranda: | ||
| Average total assets | $158,763,670 | 3,853 |
| Average earning assets | $141,777,670 | 3,909 |
| Average equity | $14,913,670 | 4,126 |
| Average total loans | $122,110,670 | 3,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4912% | 886 |
| Cost of funding earning assets | 2.3003% | 2,697 |
| Net interest margin | 4.1910% | 1,932 |
| Noninterest income to average assets | 0.7547% | 2,570 |
| Noninterest expense to average assets | 4.1935% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2949% | 5,314 |
| Return on assets (ROA) | 0.2949% | 5,487 |
| Pretax return on assets | 0.2949% | 5,693 |
| Return on Equity (ROE) | 3.1543% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.1543% | 4,118 |
| Net charge-offs to loans | 0.2101% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8154% | 3,820 |
| Efficiency ratio | 93.3185% | 1,477 |
| Assets per employee ($millions) | 2.7532% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 2,187 |
| Loan loss allowance to noncurrent loans | 32.2142% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 4.9328% | 923 |
| Noncurrent loans to loans | 5.2333% | 1,018 |
| Net loans and leases to total assets | 76.6628% | 2,124 |
| Net loans and leases to deposits | 95.1713% | 2,082 |
| Net loans and leases to core deposits | 119.7716% | 2,434 |
| Total domestic deposits to total assets | 80.5525% | 5,153 |
| Equity capital to assets | 9.5450% | 4,615 |
| Core capital (leverage) ratio | 9.1884% | 4,425 |
| Tier 1 risk-based capital ratio | 11.2234% | 5,678 |
| Total risk-based capital ratio | 12.4774% | 5,583 |
| Memoranda: | ||
| Average total assets | $160,057,000 | 3,838 |
| Average earning assets | $142,592,000 | 3,904 |
| Average equity | $14,963,500 | 4,153 |
| Average total loans | $123,773,500 | 3,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7833% | 252 |
| Cost of funding earning assets | 2.5561% | 3,921 |
| Net interest margin | 5.2272% | 318 |
| Noninterest income to average assets | 0.7896% | 2,576 |
| Noninterest expense to average assets | 4.4165% | 936 |
| Loan and lease loss provision to assets | 0.6040% | 2,409 |
| Net operating income to assets | 0.4221% | 5,066 |
| Return on assets (ROA) | 0.4107% | 4,925 |
| Pretax return on assets | 0.4107% | 5,229 |
| Return on Equity (ROE) | 4.3215% | 4,673 |
| Retained earnings to average equity (ytd only) | 0.3077% | 5,057 |
| Net charge-offs to loans | 0.2589% | 3,685 |
| Credit loss provision to net charge-offs | 293.2099% | 1,547 |
| Earnings coverage of net charge-offs (x) | 4.9815% | 3,794 |
| Efficiency ratio | 81.0419% | 2,440 |
| Assets per employee ($millions) | 2.8135% | 6,526 |
| Cash dividends to net income (ytd only)* | 92.8793% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,910 |
| Loan loss allowance to noncurrent loans | 57.1275% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.1020% | 1,477 |
| Noncurrent loans to loans | 2.9758% | 1,805 |
| Net loans and leases to total assets | 75.4051% | 2,779 |
| Net loans and leases to deposits | 96.2674% | 2,405 |
| Net loans and leases to core deposits | 119.3885% | 2,749 |
| Total domestic deposits to total assets | 78.3288% | 5,602 |
| Equity capital to assets | 9.1602% | 5,138 |
| Core capital (leverage) ratio | 9.2923% | 4,307 |
| Tier 1 risk-based capital ratio | 10.9503% | 5,772 |
| Total risk-based capital ratio | 12.2046% | 5,676 |
| Memoranda: | ||
| Average total assets | $157,296,400 | 3,770 |
| Average earning assets | $140,018,600 | 3,847 |
| Average equity | $14,948,600 | 4,149 |
| Average total loans | $125,124,600 | 3,347 |