Home > First Bank of Delaware > Performance and Condition Ratios
First Bank of Delaware, 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 | 3.2346% | 6,773 |
| Cost of funding earning assets | 0.6650% | 4,063 |
| Net interest margin | 2.5696% | 6,781 |
| Noninterest income to average assets | 0.1346% | 6,468 |
| Noninterest expense to average assets | 7.3168% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -4.0632% | 7,142 |
| Return on assets (ROA) | -4.0632% | 7,145 |
| Pretax return on assets | -4.8218% | 7,161 |
| Return on Equity (ROE) | -21.3125% | 7,005 |
| Retained earnings to average equity (ytd only) | -21.3125% | 6,990 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 293.2493% | 19 |
| Assets per employee ($millions) | 7.4161% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2725% | 1,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.4941% | 4,824 |
| Net loans and leases to deposits | 99.8364% | 448 |
| Net loans and leases to core deposits | 104.5367% | 839 |
| Total domestic deposits to total assets | 53.5817% | 7,100 |
| Equity capital to assets | 21.8843% | 172 |
| Core capital (leverage) ratio | 19.5639% | 227 |
| Tier 1 risk-based capital ratio | 37.6271% | 299 |
| Total risk-based capital ratio | 38.8883% | 291 |
| Memoranda: | ||
| Average total assets | $224,809,000 | 2,807 |
| Average earning assets | $206,514,000 | 2,804 |
| Average equity | $42,859,500 | 1,641 |
| Average total loans | $107,421,500 | 3,381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 6,908 |
| Cost of funding earning assets | 0.6750% | 4,225 |
| Net interest margin | 2.4788% | 6,907 |
| Noninterest income to average assets | 0.1755% | 6,300 |
| Noninterest expense to average assets | 7.2707% | 139 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -3.7493% | 7,187 |
| Return on assets (ROA) | -3.7493% | 7,188 |
| Pretax return on assets | -4.8133% | 7,208 |
| Return on Equity (ROE) | -20.4111% | 7,042 |
| Retained earnings to average equity (ytd only) | -20.4111% | 7,018 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 295.8700% | 21 |
| Assets per employee ($millions) | 8.2426% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,775 |
| Loan loss allowance to noncurrent loans | 1,325.7485% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 6,623 |
| Noncurrent loans to loans | 0.1657% | 6,252 |
| Net loans and leases to total assets | 44.2835% | 5,995 |
| Net loans and leases to deposits | 71.7908% | 3,644 |
| Net loans and leases to core deposits | 74.2563% | 3,990 |
| Total domestic deposits to total assets | 61.6841% | 7,111 |
| Equity capital to assets | 18.6520% | 297 |
| Core capital (leverage) ratio | 17.8212% | 298 |
| Tier 1 risk-based capital ratio | 37.6305% | 289 |
| Total risk-based capital ratio | 38.8902% | 276 |
| Memoranda: | ||
| Average total assets | $240,416,670 | 2,653 |
| Average earning assets | $221,321,000 | 2,629 |
| Average equity | $44,162,330 | 1,583 |
| Average total loans | $110,753,330 | 3,315 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 6,967 |
| Cost of funding earning assets | 0.6829% | 4,430 |
| Net interest margin | 2.4855% | 6,964 |
| Noninterest income to average assets | 0.3016% | 5,462 |
| Noninterest expense to average assets | 5.2472% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6732% | 7,123 |
| Return on assets (ROA) | -1.6732% | 7,127 |
| Pretax return on assets | -2.6629% | 7,190 |
| Return on Equity (ROE) | -9.1715% | 6,976 |
| Retained earnings to average equity (ytd only) | -9.1715% | 6,815 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.0416% | 39 |
| Assets per employee ($millions) | 7.8278% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 2,285 |
| Loan loss allowance to noncurrent loans | 518.5012% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 6,445 |
| Noncurrent loans to loans | 0.3906% | 5,893 |
| Net loans and leases to total assets | 44.1351% | 5,996 |
| Net loans and leases to deposits | 69.1836% | 3,844 |
| Net loans and leases to core deposits | 73.3771% | 3,974 |
| Total domestic deposits to total assets | 63.7941% | 7,146 |
| Equity capital to assets | 18.5291% | 305 |
| Core capital (leverage) ratio | 17.7598% | 308 |
| Tier 1 risk-based capital ratio | 37.1022% | 285 |
| Total risk-based capital ratio | 38.3591% | 281 |
| Memoranda: | ||
| Average total assets | $249,350,000 | 2,565 |
| Average earning assets | $229,012,000 | 2,546 |
| Average equity | $45,488,500 | 1,524 |
| Average total loans | $115,746,500 | 3,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 3,313 |
| Cost of funding earning assets | 0.5899% | 6,133 |
| Net interest margin | 4.3183% | 1,642 |
| Noninterest income to average assets | 3.8568% | 163 |
| Noninterest expense to average assets | 6.4343% | 174 |
| Loan and lease loss provision to assets | 0.2913% | 3,335 |
| Net operating income to assets | 0.6843% | 3,559 |
| Return on assets (ROA) | 0.6843% | 3,752 |
| Pretax return on assets | 1.0994% | 2,840 |
| Return on Equity (ROE) | 3.3885% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.3885% | 3,812 |
| Net charge-offs to loans | 3.2250% | 271 |
| Credit loss provision to net charge-offs | 16.1992% | 5,956 |
| Earnings coverage of net charge-offs (x) | 0.7735% | 5,218 |
| Efficiency ratio | 82.2278% | 1,988 |
| Assets per employee ($millions) | 6.7378% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 2,833 |
| Loan loss allowance to noncurrent loans | 2,952.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 6,901 |
| Noncurrent loans to loans | 0.0614% | 6,664 |
| Net loans and leases to total assets | 46.8548% | 5,932 |
| Net loans and leases to deposits | 71.2700% | 3,904 |
| Net loans and leases to core deposits | 75.3059% | 4,066 |
| Total domestic deposits to total assets | 65.7426% | 7,138 |
| Equity capital to assets | 17.9716% | 352 |
| Core capital (leverage) ratio | 17.9050% | 302 |
| Tier 1 risk-based capital ratio | 35.1263% | 332 |
| Total risk-based capital ratio | 36.3822% | 325 |
| Memoranda: | ||
| Average total assets | $230,032,400 | 2,719 |
| Average earning assets | $211,380,000 | 2,717 |
| Average equity | $46,451,400 | 1,470 |
| Average total loans | $128,248,400 | 3,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 1,547 |
| Cost of funding earning assets | 0.5794% | 6,381 |
| Net interest margin | 4.8093% | 613 |
| Noninterest income to average assets | 5.0086% | 125 |
| Noninterest expense to average assets | 5.7744% | 225 |
| Loan and lease loss provision to assets | 0.3996% | 2,454 |
| Net operating income to assets | 2.0423% | 318 |
| Return on assets (ROA) | 2.0423% | 341 |
| Pretax return on assets | 3.2657% | 115 |
| Return on Equity (ROE) | 9.8049% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.8049% | 901 |
| Net charge-offs to loans | 4.1818% | 146 |
| Credit loss provision to net charge-offs | 16.4619% | 5,602 |
| Earnings coverage of net charge-offs (x) | 1.5098% | 4,506 |
| Efficiency ratio | 61.1715% | 5,537 |
| Assets per employee ($millions) | 5.9721% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 3,053 |
| Loan loss allowance to noncurrent loans | 2,235.2941% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 6,812 |
| Noncurrent loans to loans | 0.0789% | 6,736 |
| Net loans and leases to total assets | 54.5090% | 5,088 |
| Net loans and leases to deposits | 69.5339% | 4,374 |
| Net loans and leases to core deposits | 72.1052% | 4,702 |
| Total domestic deposits to total assets | 78.3921% | 6,114 |
| Equity capital to assets | 20.5397% | 223 |
| Core capital (leverage) ratio | 21.0101% | 176 |
| Tier 1 risk-based capital ratio | 35.6903% | 326 |
| Total risk-based capital ratio | 36.9458% | 321 |
| Memoranda: | ||
| Average total assets | $223,531,000 | 2,810 |
| Average earning assets | $205,957,500 | 2,788 |
| Average equity | $46,560,750 | 1,466 |
| Average total loans | $129,765,500 | 3,015 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 335 |
| Cost of funding earning assets | 0.6433% | 6,256 |
| Net interest margin | 5.5439% | 166 |
| Noninterest income to average assets | 6.5035% | 105 |
| Noninterest expense to average assets | 6.5761% | 166 |
| Loan and lease loss provision to assets | 0.6080% | 1,581 |
| Net operating income to assets | 2.7822% | 121 |
| Return on assets (ROA) | 2.7822% | 123 |
| Pretax return on assets | 4.4491% | 80 |
| Return on Equity (ROE) | 13.2915% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.2915% | 369 |
| Net charge-offs to loans | 6.2643% | 75 |
| Credit loss provision to net charge-offs | 16.4619% | 5,185 |
| Earnings coverage of net charge-offs (x) | 1.3693% | 4,255 |
| Efficiency ratio | 56.5289% | 6,359 |
| Assets per employee ($millions) | 4.8230% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 3,300 |
| Loan loss allowance to noncurrent loans | 3,864.4068% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 6,880 |
| Noncurrent loans to loans | 0.0442% | 6,872 |
| Net loans and leases to total assets | 61.8835% | 3,907 |
| Net loans and leases to deposits | 81.9499% | 2,464 |
| Net loans and leases to core deposits | 85.8747% | 2,926 |
| Total domestic deposits to total assets | 75.5139% | 6,671 |
| Equity capital to assets | 22.3868% | 170 |
| Core capital (leverage) ratio | 20.6788% | 195 |
| Tier 1 risk-based capital ratio | 34.7033% | 358 |
| Total risk-based capital ratio | 35.9587% | 352 |
| Memoranda: | ||
| Average total assets | $220,404,670 | 2,858 |
| Average earning assets | $203,937,670 | 2,825 |
| Average equity | $46,134,670 | 1,464 |
| Average total loans | $129,941,670 | 3,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1792% | 53 |
| Cost of funding earning assets | 0.6628% | 6,332 |
| Net interest margin | 7.5165% | 43 |
| Noninterest income to average assets | 7.2498% | 98 |
| Noninterest expense to average assets | 7.2997% | 135 |
| Loan and lease loss provision to assets | 1.0869% | 674 |
| Net operating income to assets | 3.6632% | 88 |
| Return on assets (ROA) | 3.6632% | 90 |
| Pretax return on assets | 5.8547% | 61 |
| Return on Equity (ROE) | 18.0952% | 475 |
| Retained earnings to average equity (ytd only) | 18.0952% | 236 |
| Net charge-offs to loans | 12.7077% | 22 |
| Credit loss provision to net charge-offs | 14.9877% | 4,329 |
| Earnings coverage of net charge-offs (x) | 0.9572% | 3,935 |
| Efficiency ratio | 51.2574% | 6,905 |
| Assets per employee ($millions) | 4.0325% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 3,171 |
| Loan loss allowance to noncurrent loans | 6,937.5000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,759 |
| Noncurrent loans to loans | 0.0252% | 6,999 |
| Net loans and leases to total assets | 54.1999% | 5,276 |
| Net loans and leases to deposits | 69.5219% | 4,425 |
| Net loans and leases to core deposits | 72.3703% | 4,741 |
| Total domestic deposits to total assets | 77.9609% | 6,388 |
| Equity capital to assets | 20.2214% | 246 |
| Core capital (leverage) ratio | 19.3912% | 253 |
| Tier 1 risk-based capital ratio | 35.0668% | 348 |
| Total risk-based capital ratio | 36.3224% | 341 |
| Memoranda: | ||
| Average total assets | $224,502,000 | 2,828 |
| Average earning assets | $208,821,500 | 2,804 |
| Average equity | $45,448,500 | 1,478 |
| Average total loans | $128,111,000 | 3,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7008% | 35 |
| Cost of funding earning assets | 0.7642% | 6,692 |
| Net interest margin | 9.9366% | 29 |
| Noninterest income to average assets | 4.4886% | 152 |
| Noninterest expense to average assets | 7.5616% | 129 |
| Loan and lease loss provision to assets | 3.0117% | 312 |
| Net operating income to assets | 1.8853% | 350 |
| Return on assets (ROA) | 1.8853% | 371 |
| Pretax return on assets | 3.0216% | 118 |
| Return on Equity (ROE) | 8.0686% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.7305% | 1,440 |
| Net charge-offs to loans | 3.0491% | 534 |
| Credit loss provision to net charge-offs | 165.0660% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.3067% | 3,424 |
| Efficiency ratio | 55.6209% | 6,641 |
| Assets per employee ($millions) | 3.3716% | 5,238 |
| Cash dividends to net income (ytd only)* | 16.5844% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3887% | 289 |
| Loan loss allowance to noncurrent loans | 385.3460% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 5,285 |
| Noncurrent loans to loans | 1.1389% | 4,834 |
| Net loans and leases to total assets | 56.4642% | 5,263 |
| Net loans and leases to deposits | 72.7960% | 4,380 |
| Net loans and leases to core deposits | 75.6843% | 4,760 |
| Total domestic deposits to total assets | 77.5650% | 6,387 |
| Equity capital to assets | 20.2680% | 247 |
| Core capital (leverage) ratio | 20.4369% | 212 |
| Tier 1 risk-based capital ratio | 32.6139% | 418 |
| Total risk-based capital ratio | 33.9003% | 407 |
| Memoranda: | ||
| Average total assets | $182,619,800 | 3,338 |
| Average earning assets | $167,360,600 | 3,333 |
| Average equity | $42,671,400 | 1,556 |
| Average total loans | $109,279,400 | 3,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4513% | 37 |
| Cost of funding earning assets | 0.8177% | 6,698 |
| Net interest margin | 9.6336% | 31 |
| Noninterest income to average assets | 3.9702% | 173 |
| Noninterest expense to average assets | 7.4179% | 130 |
| Loan and lease loss provision to assets | 3.0741% | 278 |
| Net operating income to assets | 1.4049% | 1,093 |
| Return on assets (ROA) | 1.4049% | 1,164 |
| Pretax return on assets | 2.2518% | 372 |
| Return on Equity (ROE) | 5.7708% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.7708% | 2,499 |
| Net charge-offs to loans | 3.1988% | 457 |
| Credit loss provision to net charge-offs | 159.9360% | 2,369 |
| Earnings coverage of net charge-offs (x) | 2.7709% | 3,760 |
| Efficiency ratio | 58.2077% | 6,238 |
| Assets per employee ($millions) | 3.2083% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2915% | 285 |
| Loan loss allowance to noncurrent loans | 244.7973% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 4,347 |
| Noncurrent loans to loans | 1.7531% | 4,012 |
| Net loans and leases to total assets | 54.4280% | 5,783 |
| Net loans and leases to deposits | 70.5994% | 5,068 |
| Net loans and leases to core deposits | 73.0226% | 5,402 |
| Total domestic deposits to total assets | 77.0942% | 6,460 |
| Equity capital to assets | 21.1004% | 231 |
| Core capital (leverage) ratio | 22.4226% | 164 |
| Tier 1 risk-based capital ratio | 34.2310% | 369 |
| Total risk-based capital ratio | 35.5143% | 363 |
| Memoranda: | ||
| Average total assets | $173,486,500 | 3,521 |
| Average earning assets | $157,998,250 | 3,532 |
| Average equity | $42,234,750 | 1,569 |
| Average total loans | $104,243,500 | 3,730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0867% | 37 |
| Cost of funding earning assets | 0.8661% | 6,709 |
| Net interest margin | 9.2206% | 32 |
| Noninterest income to average assets | 3.3523% | 201 |
| Noninterest expense to average assets | 7.7680% | 122 |
| Loan and lease loss provision to assets | 2.3638% | 491 |
| Net operating income to assets | 0.9799% | 2,265 |
| Return on assets (ROA) | 0.9799% | 2,352 |
| Pretax return on assets | 1.5742% | 1,375 |
| Return on Equity (ROE) | 3.8117% | 4,874 |
| Retained earnings to average equity (ytd only) | 3.8117% | 3,668 |
| Net charge-offs to loans | 2.8061% | 580 |
| Credit loss provision to net charge-offs | 137.1083% | 2,925 |
| Earnings coverage of net charge-offs (x) | 2.2842% | 3,864 |
| Efficiency ratio | 66.3590% | 4,919 |
| Assets per employee ($millions) | 2.7298% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5921% | 514 |
| Loan loss allowance to noncurrent loans | 186.4540% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.7961% | 3,760 |
| Noncurrent loans to loans | 1.9265% | 3,836 |
| Net loans and leases to total assets | 61.0020% | 4,874 |
| Net loans and leases to deposits | 82.2839% | 3,223 |
| Net loans and leases to core deposits | 85.1361% | 3,968 |
| Total domestic deposits to total assets | 74.1360% | 6,958 |
| Equity capital to assets | 23.8616% | 152 |
| Core capital (leverage) ratio | 23.6557% | 144 |
| Tier 1 risk-based capital ratio | 34.4101% | 367 |
| Total risk-based capital ratio | 35.6857% | 360 |
| Memoranda: | ||
| Average total assets | $162,872,670 | 3,724 |
| Average earning assets | $147,560,330 | 3,750 |
| Average equity | $41,871,330 | 1,577 |
| Average total loans | $100,069,000 | 3,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3050% | 41 |
| Cost of funding earning assets | 0.8431% | 6,961 |
| Net interest margin | 9.4620% | 38 |
| Noninterest income to average assets | 3.1802% | 200 |
| Noninterest expense to average assets | 8.1934% | 115 |
| Loan and lease loss provision to assets | 2.1210% | 517 |
| Net operating income to assets | 0.8715% | 2,667 |
| Return on assets (ROA) | 0.8715% | 2,750 |
| Pretax return on assets | 1.4063% | 1,759 |
| Return on Equity (ROE) | 3.2567% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.2567% | 4,191 |
| Net charge-offs to loans | 3.1714% | 470 |
| Credit loss provision to net charge-offs | 110.7383% | 3,118 |
| Earnings coverage of net charge-offs (x) | 1.8416% | 3,632 |
| Efficiency ratio | 69.9057% | 4,323 |
| Assets per employee ($millions) | 2.3723% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5265% | 536 |
| Loan loss allowance to noncurrent loans | 571.0652% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 5,215 |
| Noncurrent loans to loans | 0.6175% | 6,077 |
| Net loans and leases to total assets | 57.5293% | 5,520 |
| Net loans and leases to deposits | 77.9898% | 4,048 |
| Net loans and leases to core deposits | 87.4928% | 3,682 |
| Total domestic deposits to total assets | 73.7651% | 7,075 |
| Equity capital to assets | 24.4879% | 155 |
| Core capital (leverage) ratio | 26.8030% | 108 |
| Tier 1 risk-based capital ratio | 38.2022% | 286 |
| Total risk-based capital ratio | 39.4775% | 274 |
| Memoranda: | ||
| Average total assets | $155,589,000 | 3,914 |
| Average earning assets | $140,436,000 | 3,954 |
| Average equity | $41,637,000 | 1,600 |
| Average total loans | $93,966,000 | 4,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5399% | 41 |
| Cost of funding earning assets | 0.8154% | 7,536 |
| Net interest margin | 8.7246% | 32 |
| Noninterest income to average assets | 7.6968% | 92 |
| Noninterest expense to average assets | 9.9418% | 103 |
| Loan and lease loss provision to assets | 3.5094% | 436 |
| Net operating income to assets | 1.2019% | 1,239 |
| Return on assets (ROA) | 1.2019% | 1,288 |
| Pretax return on assets | 1.8951% | 518 |
| Return on Equity (ROE) | 3.6891% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.6891% | 2,607 |
| Net charge-offs to loans | 4.8792% | 278 |
| Credit loss provision to net charge-offs | 115.1962% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.7740% | 4,393 |
| Efficiency ratio | 64.7828% | 5,625 |
| Assets per employee ($millions) | 1.9496% | 7,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0801% | 344 |
| Loan loss allowance to noncurrent loans | 132.0301% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 2.6423% | 2,660 |
| Noncurrent loans to loans | 3.0903% | 2,474 |
| Net loans and leases to total assets | 58.8184% | 5,515 |
| Net loans and leases to deposits | 87.1728% | 2,704 |
| Net loans and leases to core deposits | 96.0773% | 4,459 |
| Total domestic deposits to total assets | 67.4733% | 7,583 |
| Equity capital to assets | 29.5268% | 106 |
| Core capital (leverage) ratio | 31.9712% | 89 |
| Tier 1 risk-based capital ratio | 44.2225% | 194 |
| Total risk-based capital ratio | 45.5035% | 195 |
| Memoranda: | ||
| Average total assets | $124,636,000 | 4,457 |
| Average earning assets | $109,277,400 | 4,587 |
| Average equity | $40,606,000 | 1,650 |
| Average total loans | $77,819,600 | 4,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2214% | 46 |
| Cost of funding earning assets | 0.8119% | 7,674 |
| Net interest margin | 8.4095% | 35 |
| Noninterest income to average assets | 8.3056% | 86 |
| Noninterest expense to average assets | 9.8654% | 102 |
| Loan and lease loss provision to assets | 3.7557% | 338 |
| Net operating income to assets | 1.3079% | 1,198 |
| Return on assets (ROA) | 1.3079% | 1,274 |
| Pretax return on assets | 2.0413% | 503 |
| Return on Equity (ROE) | 3.9079% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.9079% | 3,106 |
| Net charge-offs to loans | 4.2451% | 313 |
| Credit loss provision to net charge-offs | 140.9619% | 3,485 |
| Earnings coverage of net charge-offs (x) | 2.1758% | 4,197 |
| Efficiency ratio | 62.9875% | 5,927 |
| Assets per employee ($millions) | 1.9958% | 7,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6247% | 190 |
| Loan loss allowance to noncurrent loans | 401.1247% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 4,061 |
| Noncurrent loans to loans | 1.1529% | 5,014 |
| Net loans and leases to total assets | 61.4220% | 5,344 |
| Net loans and leases to deposits | 92.5284% | 2,149 |
| Net loans and leases to core deposits | 99.8211% | 4,395 |
| Total domestic deposits to total assets | 66.3817% | 7,662 |
| Equity capital to assets | 31.2215% | 102 |
| Core capital (leverage) ratio | 32.7772% | 106 |
| Tier 1 risk-based capital ratio | 44.0145% | 221 |
| Total risk-based capital ratio | 45.3015% | 218 |
| Memoranda: | ||
| Average total assets | $120,702,250 | 4,576 |
| Average earning assets | $105,591,750 | 4,721 |
| Average equity | $40,395,750 | 1,672 |
| Average total loans | $75,755,500 | 4,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2928% | 46 |
| Cost of funding earning assets | 0.8081% | 7,812 |
| Net interest margin | 8.4847% | 35 |
| Noninterest income to average assets | 8.8319% | 80 |
| Noninterest expense to average assets | 10.4162% | 107 |
| Loan and lease loss provision to assets | 3.8879% | 331 |
| Net operating income to assets | 1.1980% | 1,484 |
| Return on assets (ROA) | 1.1980% | 1,567 |
| Pretax return on assets | 1.8850% | 720 |
| Return on Equity (ROE) | 3.4917% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.4917% | 3,368 |
| Net charge-offs to loans | 5.4337% | 214 |
| Credit loss provision to net charge-offs | 115.1316% | 4,022 |
| Earnings coverage of net charge-offs (x) | 1.7095% | 4,274 |
| Efficiency ratio | 64.3408% | 5,842 |
| Assets per employee ($millions) | 1.6633% | 8,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5712% | 163 |
| Loan loss allowance to noncurrent loans | 463.3238% | 710 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 3,980 |
| Noncurrent loans to loans | 0.9866% | 5,233 |
| Net loans and leases to total assets | 55.6033% | 6,253 |
| Net loans and leases to deposits | 87.2723% | 3,308 |
| Net loans and leases to core deposits | 90.2616% | 5,509 |
| Total domestic deposits to total assets | 63.7124% | 7,843 |
| Equity capital to assets | 33.4363% | 113 |
| Core capital (leverage) ratio | 34.7093% | 110 |
| Tier 1 risk-based capital ratio | 47.8903% | 200 |
| Total risk-based capital ratio | 49.1718% | 200 |
| Memoranda: | ||
| Average total assets | $117,029,670 | 4,707 |
| Average earning assets | $101,476,670 | 4,859 |
| Average equity | $40,152,670 | 1,691 |
| Average total loans | $72,731,330 | 4,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5737% | 47 |
| Cost of funding earning assets | 0.7144% | 7,983 |
| Net interest margin | 8.8593% | 35 |
| Noninterest income to average assets | 9.4814% | 72 |
| Noninterest expense to average assets | 12.0625% | 89 |
| Loan and lease loss provision to assets | 2.5254% | 458 |
| Net operating income to assets | 1.5918% | 794 |
| Return on assets (ROA) | 1.5918% | 873 |
| Pretax return on assets | 2.5393% | 237 |
| Return on Equity (ROE) | 4.5780% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.5780% | 3,382 |
| Net charge-offs to loans | 7.0805% | 118 |
| Credit loss provision to net charge-offs | 55.5556% | 4,591 |
| Earnings coverage of net charge-offs (x) | 1.1142% | 4,195 |
| Efficiency ratio | 70.4291% | 4,489 |
| Assets per employee ($millions) | 1.2604% | 8,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2170% | 400 |
| Loan loss allowance to noncurrent loans | 305.0518% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 5,459 |
| Noncurrent loans to loans | 1.0546% | 4,879 |
| Net loans and leases to total assets | 62.4592% | 5,244 |
| Net loans and leases to deposits | 102.4421% | 1,135 |
| Net loans and leases to core deposits | 103.0515% | 4,236 |
| Total domestic deposits to total assets | 60.9703% | 7,946 |
| Equity capital to assets | 35.5863% | 108 |
| Core capital (leverage) ratio | 34.6278% | 119 |
| Tier 1 risk-based capital ratio | 46.1986% | 240 |
| Total risk-based capital ratio | 47.4492% | 239 |
| Memoranda: | ||
| Average total assets | $114,835,000 | 4,780 |
| Average earning assets | $99,104,500 | 4,940 |
| Average equity | $39,930,000 | 1,707 |
| Average total loans | $73,723,500 | 4,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4550% | 38 |
| Cost of funding earning assets | 1.1097% | 8,000 |
| Net interest margin | 10.3453% | 26 |
| Noninterest income to average assets | 13.9343% | 62 |
| Noninterest expense to average assets | 12.9677% | 91 |
| Loan and lease loss provision to assets | 3.4722% | 233 |
| Net operating income to assets | 4.1940% | 39 |
| Return on assets (ROA) | 4.1940% | 40 |
| Pretax return on assets | 6.6987% | 36 |
| Return on Equity (ROE) | 13.5305% | 1,205 |
| Retained earnings to average equity (ytd only) | 13.5305% | 143 |
| Net charge-offs to loans | 5.0475% | 101 |
| Credit loss provision to net charge-offs | 109.2404% | 4,922 |
| Earnings coverage of net charge-offs (x) | 3.1999% | 4,485 |
| Efficiency ratio | 56.0436% | 7,003 |
| Assets per employee ($millions) | 1.3209% | 8,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9533% | 196 |
| Loan loss allowance to noncurrent loans | 137.0215% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 2,349 |
| Noncurrent loans to loans | 2.8852% | 1,870 |
| Net loans and leases to total assets | 61.3467% | 5,720 |
| Net loans and leases to deposits | 98.6402% | 2,029 |
| Net loans and leases to core deposits | 99.7552% | 4,844 |
| Total domestic deposits to total assets | 62.1924% | 7,877 |
| Equity capital to assets | 33.9766% | 135 |
| Core capital (leverage) ratio | 32.2145% | 161 |
| Tier 1 risk-based capital ratio | 43.7732% | 273 |
| Total risk-based capital ratio | 45.0479% | 274 |
| Memoranda: | ||
| Average total assets | $120,530,200 | 4,505 |
| Average earning assets | $107,237,000 | 4,589 |
| Average equity | $37,360,000 | 1,808 |
| Average total loans | $75,899,200 | 4,657 |