Home > First Capital Bank > Performance and Condition Ratios
First Capital Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 1,479 |
| Cost of funding earning assets | 0.8073% | 476 |
| Net interest margin | 3.7347% | 2,623 |
| Noninterest income to average assets | 0.1768% | 5,528 |
| Noninterest expense to average assets | 3.1237% | 2,165 |
| Loan and lease loss provision to assets | -0.0563% | 5,763 |
| Net operating income to assets | 0.3346% | 5,260 |
| Return on assets (ROA) | 0.3471% | 5,314 |
| Pretax return on assets | 0.5839% | 4,886 |
| Return on Equity (ROE) | 3.5410% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.5410% | 3,544 |
| Net charge-offs to loans | -0.0313% | 5,412 |
| Credit loss provision to net charge-offs | 222.5806% | 1,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0109% | 991 |
| Assets per employee ($millions) | 7.0237% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,944 |
| Loan loss allowance to noncurrent loans | 341.5111% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 4,145 |
| Noncurrent loans to loans | 0.4430% | 3,883 |
| Net loans and leases to total assets | 80.0279% | 843 |
| Net loans and leases to deposits | 98.4423% | 790 |
| Net loans and leases to core deposits | 120.1491% | 475 |
| Total domestic deposits to total assets | 81.2943% | 4,400 |
| Equity capital to assets | 9.6151% | 4,422 |
| Core capital (leverage) ratio | 9.5788% | 4,077 |
| Tier 1 risk-based capital ratio | 11.0108% | 5,518 |
| Total risk-based capital ratio | 12.2646% | 5,419 |
| Memoranda: | ||
| Average total assets | $612,726,800 | 1,111 |
| Average earning assets | $566,844,800 | 1,103 |
| Average equity | $60,067,800 | 1,263 |
| Average total loans | $494,519,600 | 949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,441 |
| Cost of funding earning assets | 0.8120% | 460 |
| Net interest margin | 3.7424% | 2,604 |
| Noninterest income to average assets | 0.2334% | 5,261 |
| Noninterest expense to average assets | 2.4880% | 4,231 |
| Loan and lease loss provision to assets | -0.0317% | 5,877 |
| Net operating income to assets | 0.8366% | 3,239 |
| Return on assets (ROA) | 0.8545% | 3,244 |
| Pretax return on assets | 1.2628% | 2,543 |
| Return on Equity (ROE) | 8.6735% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.6735% | 1,013 |
| Net charge-offs to loans | -0.0372% | 5,430 |
| Credit loss provision to net charge-offs | 105.8394% | 2,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3734% | 3,654 |
| Assets per employee ($millions) | 6.6219% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,832 |
| Loan loss allowance to noncurrent loans | 314.3885% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 3,883 |
| Noncurrent loans to loans | 0.5052% | 3,833 |
| Net loans and leases to total assets | 78.3080% | 1,052 |
| Net loans and leases to deposits | 93.1910% | 1,285 |
| Net loans and leases to core deposits | 114.4355% | 651 |
| Total domestic deposits to total assets | 84.0295% | 3,413 |
| Equity capital to assets | 9.9913% | 4,160 |
| Core capital (leverage) ratio | 9.8305% | 3,859 |
| Tier 1 risk-based capital ratio | 11.5634% | 5,339 |
| Total risk-based capital ratio | 12.8181% | 5,263 |
| Memoranda: | ||
| Average total assets | $609,630,250 | 1,123 |
| Average earning assets | $563,548,000 | 1,114 |
| Average equity | $60,058,500 | 1,274 |
| Average total loans | $491,162,250 | 960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,444 |
| Cost of funding earning assets | 0.8095% | 470 |
| Net interest margin | 3.7228% | 2,616 |
| Noninterest income to average assets | 0.1956% | 5,512 |
| Noninterest expense to average assets | 2.4921% | 4,269 |
| Loan and lease loss provision to assets | -0.0479% | 6,026 |
| Net operating income to assets | 0.8090% | 3,333 |
| Return on assets (ROA) | 0.8250% | 3,357 |
| Pretax return on assets | 1.2194% | 2,699 |
| Return on Equity (ROE) | 8.4148% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.4148% | 1,113 |
| Net charge-offs to loans | -0.0555% | 5,582 |
| Credit loss provision to net charge-offs | 106.6176% | 1,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4607% | 3,599 |
| Assets per employee ($millions) | 6.6232% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 2,007 |
| Loan loss allowance to noncurrent loans | 300.4202% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 3,683 |
| Noncurrent loans to loans | 0.5229% | 3,890 |
| Net loans and leases to total assets | 80.0064% | 800 |
| Net loans and leases to deposits | 97.1669% | 863 |
| Net loans and leases to core deposits | 117.9553% | 531 |
| Total domestic deposits to total assets | 82.3392% | 4,176 |
| Equity capital to assets | 9.8258% | 4,246 |
| Core capital (leverage) ratio | 9.6900% | 4,013 |
| Tier 1 risk-based capital ratio | 11.1276% | 5,652 |
| Total risk-based capital ratio | 12.3816% | 5,573 |
| Memoranda: | ||
| Average total assets | $605,355,670 | 1,140 |
| Average earning assets | $560,113,000 | 1,123 |
| Average equity | $59,347,670 | 1,292 |
| Average total loans | $489,784,000 | 958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,376 |
| Cost of funding earning assets | 0.7935% | 525 |
| Net interest margin | 3.7383% | 2,477 |
| Noninterest income to average assets | 0.1447% | 5,877 |
| Noninterest expense to average assets | 2.5684% | 4,037 |
| Loan and lease loss provision to assets | -0.0967% | 6,204 |
| Net operating income to assets | 0.7655% | 3,450 |
| Return on assets (ROA) | 0.7973% | 3,403 |
| Pretax return on assets | 1.1772% | 2,751 |
| Return on Equity (ROE) | 8.1416% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.1416% | 1,515 |
| Net charge-offs to loans | -0.1198% | 5,916 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2990% | 3,284 |
| Assets per employee ($millions) | 6.4766% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,986 |
| Loan loss allowance to noncurrent loans | 367.2575% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 3,790 |
| Noncurrent loans to loans | 0.4402% | 4,276 |
| Net loans and leases to total assets | 79.5486% | 736 |
| Net loans and leases to deposits | 95.8198% | 839 |
| Net loans and leases to core deposits | 115.7603% | 529 |
| Total domestic deposits to total assets | 83.0190% | 4,174 |
| Equity capital to assets | 9.8885% | 4,283 |
| Core capital (leverage) ratio | 9.7312% | 3,977 |
| Tier 1 risk-based capital ratio | 11.4046% | 5,603 |
| Total risk-based capital ratio | 12.6582% | 5,510 |
| Memoranda: | ||
| Average total assets | $600,052,500 | 1,154 |
| Average earning assets | $555,010,500 | 1,138 |
| Average equity | $58,760,000 | 1,304 |
| Average total loans | $484,339,000 | 967 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 1,507 |
| Cost of funding earning assets | 0.8910% | 408 |
| Net interest margin | 3.7275% | 2,891 |
| Noninterest income to average assets | 0.2575% | 5,287 |
| Noninterest expense to average assets | 2.5552% | 4,376 |
| Loan and lease loss provision to assets | -0.0610% | 6,069 |
| Net operating income to assets | 0.8140% | 3,304 |
| Return on assets (ROA) | 0.8640% | 3,140 |
| Pretax return on assets | 1.2667% | 2,361 |
| Return on Equity (ROE) | 9.0116% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.0116% | 702 |
| Net charge-offs to loans | -0.0133% | 5,620 |
| Credit loss provision to net charge-offs | 577.0492% | 465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2980% | 3,657 |
| Assets per employee ($millions) | 6.4277% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 1,971 |
| Loan loss allowance to noncurrent loans | 229.6296% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 3,015 |
| Noncurrent loans to loans | 0.7119% | 3,538 |
| Net loans and leases to total assets | 79.2581% | 849 |
| Net loans and leases to deposits | 97.7614% | 781 |
| Net loans and leases to core deposits | 117.6864% | 480 |
| Total domestic deposits to total assets | 81.0730% | 4,727 |
| Equity capital to assets | 9.6957% | 4,476 |
| Core capital (leverage) ratio | 9.7662% | 3,877 |
| Tier 1 risk-based capital ratio | 11.6447% | 5,579 |
| Total risk-based capital ratio | 12.8988% | 5,485 |
| Memoranda: | ||
| Average total assets | $577,169,400 | 1,143 |
| Average earning assets | $531,079,400 | 1,140 |
| Average equity | $55,340,000 | 1,319 |
| Average total loans | $457,880,400 | 966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,500 |
| Cost of funding earning assets | 0.9118% | 390 |
| Net interest margin | 3.7150% | 2,965 |
| Noninterest income to average assets | 0.2618% | 5,338 |
| Noninterest expense to average assets | 2.6269% | 4,104 |
| Loan and lease loss provision to assets | -0.0820% | 6,245 |
| Net operating income to assets | 0.7748% | 3,536 |
| Return on assets (ROA) | 0.8314% | 3,367 |
| Pretax return on assets | 1.2132% | 2,724 |
| Return on Equity (ROE) | 8.6968% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.6968% | 1,098 |
| Net charge-offs to loans | -0.0266% | 5,698 |
| Credit loss provision to net charge-offs | 391.1111% | 720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4603% | 3,274 |
| Assets per employee ($millions) | 6.2444% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 2,014 |
| Loan loss allowance to noncurrent loans | 220.7542% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 3,130 |
| Noncurrent loans to loans | 0.7636% | 3,686 |
| Net loans and leases to total assets | 76.8864% | 1,110 |
| Net loans and leases to deposits | 93.6218% | 1,072 |
| Net loans and leases to core deposits | 112.5919% | 634 |
| Total domestic deposits to total assets | 82.1244% | 4,441 |
| Equity capital to assets | 9.4265% | 4,887 |
| Core capital (leverage) ratio | 9.5970% | 4,250 |
| Tier 1 risk-based capital ratio | 11.7378% | 5,653 |
| Total risk-based capital ratio | 12.9928% | 5,568 |
| Memoranda: | ||
| Average total assets | $572,016,750 | 1,162 |
| Average earning assets | $525,705,250 | 1,167 |
| Average equity | $54,685,250 | 1,343 |
| Average total loans | $451,934,750 | 979 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,406 |
| Cost of funding earning assets | 0.9291% | 362 |
| Net interest margin | 3.7192% | 2,885 |
| Noninterest income to average assets | 0.2690% | 5,282 |
| Noninterest expense to average assets | 2.6884% | 3,912 |
| Loan and lease loss provision to assets | -0.1038% | 6,382 |
| Net operating income to assets | 0.7533% | 3,548 |
| Return on assets (ROA) | 0.8197% | 3,331 |
| Pretax return on assets | 1.1914% | 2,695 |
| Return on Equity (ROE) | 8.5322% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.5322% | 1,133 |
| Net charge-offs to loans | -0.0094% | 5,308 |
| Credit loss provision to net charge-offs | 1,390.4762% | 260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0591% | 3,147 |
| Assets per employee ($millions) | 5.9536% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 2,101 |
| Loan loss allowance to noncurrent loans | 200.7630% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 2,915 |
| Noncurrent loans to loans | 0.8519% | 3,576 |
| Net loans and leases to total assets | 78.5610% | 842 |
| Net loans and leases to deposits | 96.1633% | 791 |
| Net loans and leases to core deposits | 116.2447% | 470 |
| Total domestic deposits to total assets | 81.6953% | 4,752 |
| Equity capital to assets | 9.6002% | 4,624 |
| Core capital (leverage) ratio | 9.8093% | 3,872 |
| Tier 1 risk-based capital ratio | 11.6316% | 5,725 |
| Total risk-based capital ratio | 13.0549% | 5,572 |
| Memoranda: | ||
| Average total assets | $562,868,670 | 1,185 |
| Average earning assets | $516,188,330 | 1,189 |
| Average equity | $54,077,670 | 1,342 |
| Average total loans | $446,310,670 | 986 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,415 |
| Cost of funding earning assets | 0.9342% | 372 |
| Net interest margin | 3.6999% | 2,865 |
| Noninterest income to average assets | 0.2837% | 5,103 |
| Noninterest expense to average assets | 2.7691% | 3,683 |
| Loan and lease loss provision to assets | -0.2102% | 6,572 |
| Net operating income to assets | 0.7803% | 3,249 |
| Return on assets (ROA) | 0.8280% | 3,084 |
| Pretax return on assets | 1.1959% | 2,499 |
| Return on Equity (ROE) | 8.6149% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.6149% | 1,379 |
| Net charge-offs to loans | -0.1331% | 6,245 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1319% | 2,943 |
| Assets per employee ($millions) | 5.5813% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,033 |
| Loan loss allowance to noncurrent loans | 218.0854% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 3,067 |
| Noncurrent loans to loans | 0.8262% | 3,821 |
| Net loans and leases to total assets | 77.5244% | 814 |
| Net loans and leases to deposits | 94.1126% | 783 |
| Net loans and leases to core deposits | 113.5872% | 475 |
| Total domestic deposits to total assets | 82.3741% | 4,826 |
| Equity capital to assets | 9.6062% | 4,346 |
| Core capital (leverage) ratio | 9.8021% | 3,859 |
| Tier 1 risk-based capital ratio | 11.8957% | 5,713 |
| Total risk-based capital ratio | 13.3277% | 5,525 |
| Memoranda: | ||
| Average total assets | $555,554,000 | 1,201 |
| Average earning assets | $510,821,500 | 1,208 |
| Average equity | $53,396,000 | 1,361 |
| Average total loans | $438,675,000 | 1,009 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,613 |
| Cost of funding earning assets | 1.0241% | 398 |
| Net interest margin | 3.6609% | 3,216 |
| Noninterest income to average assets | 0.4049% | 4,412 |
| Noninterest expense to average assets | 2.6719% | 4,207 |
| Loan and lease loss provision to assets | -0.0346% | 6,336 |
| Net operating income to assets | 0.7772% | 3,407 |
| Return on assets (ROA) | 0.8194% | 3,287 |
| Pretax return on assets | 1.1816% | 2,649 |
| Return on Equity (ROE) | 8.6065% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.6065% | 873 |
| Net charge-offs to loans | -0.2640% | 6,655 |
| Credit loss provision to net charge-offs | 17.1904% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1036% | 3,651 |
| Assets per employee ($millions) | 5.1159% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 1,807 |
| Loan loss allowance to noncurrent loans | 182.8258% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 2,814 |
| Noncurrent loans to loans | 1.0330% | 3,447 |
| Net loans and leases to total assets | 77.4853% | 887 |
| Net loans and leases to deposits | 92.2826% | 1,022 |
| Net loans and leases to core deposits | 112.1813% | 534 |
| Total domestic deposits to total assets | 83.9652% | 4,183 |
| Equity capital to assets | 9.6166% | 4,265 |
| Core capital (leverage) ratio | 9.6630% | 4,036 |
| Tier 1 risk-based capital ratio | 11.8839% | 5,689 |
| Total risk-based capital ratio | 13.3220% | 5,509 |
| Memoranda: | ||
| Average total assets | $538,190,200 | 1,234 |
| Average earning assets | $492,906,800 | 1,237 |
| Average equity | $51,240,600 | 1,387 |
| Average total loans | $409,797,000 | 1,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 1,760 |
| Cost of funding earning assets | 1.0381% | 409 |
| Net interest margin | 3.6054% | 3,421 |
| Noninterest income to average assets | 0.4366% | 4,252 |
| Noninterest expense to average assets | 2.6380% | 4,249 |
| Loan and lease loss provision to assets | 0.0035% | 4,886 |
| Net operating income to assets | 0.7614% | 3,549 |
| Return on assets (ROA) | 0.7904% | 3,525 |
| Pretax return on assets | 1.1380% | 2,954 |
| Return on Equity (ROE) | 8.3235% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.3235% | 1,282 |
| Net charge-offs to loans | -0.4315% | 6,765 |
| Credit loss provision to net charge-offs | -1.0703% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5831% | 3,660 |
| Assets per employee ($millions) | 5.1568% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 1,602 |
| Loan loss allowance to noncurrent loans | 218.4338% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 3,207 |
| Noncurrent loans to loans | 0.9399% | 3,938 |
| Net loans and leases to total assets | 76.4226% | 950 |
| Net loans and leases to deposits | 91.0565% | 1,059 |
| Net loans and leases to core deposits | 107.5946% | 684 |
| Total domestic deposits to total assets | 83.9288% | 4,216 |
| Equity capital to assets | 9.6762% | 4,329 |
| Core capital (leverage) ratio | 9.5872% | 4,270 |
| Tier 1 risk-based capital ratio | 11.9673% | 5,797 |
| Total risk-based capital ratio | 13.4147% | 5,611 |
| Memoranda: | ||
| Average total assets | $535,888,250 | 1,255 |
| Average earning assets | $490,627,500 | 1,253 |
| Average equity | $50,890,500 | 1,403 |
| Average total loans | $404,166,750 | 1,057 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 1,802 |
| Cost of funding earning assets | 1.0632% | 400 |
| Net interest margin | 3.5515% | 3,556 |
| Noninterest income to average assets | 0.4203% | 4,375 |
| Noninterest expense to average assets | 2.6318% | 4,275 |
| Loan and lease loss provision to assets | 0.0373% | 4,202 |
| Net operating income to assets | 0.7021% | 3,794 |
| Return on assets (ROA) | 0.7481% | 3,727 |
| Pretax return on assets | 1.0654% | 3,242 |
| Return on Equity (ROE) | 7.9278% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.9278% | 1,519 |
| Net charge-offs to loans | -0.6074% | 6,839 |
| Credit loss provision to net charge-offs | -8.2440% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7338% | 3,515 |
| Assets per employee ($millions) | 5.2803% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 1,718 |
| Loan loss allowance to noncurrent loans | 167.9781% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 3,076 |
| Noncurrent loans to loans | 1.2263% | 3,507 |
| Net loans and leases to total assets | 75.7599% | 1,008 |
| Net loans and leases to deposits | 89.0235% | 1,225 |
| Net loans and leases to core deposits | 105.0254% | 795 |
| Total domestic deposits to total assets | 85.1010% | 3,844 |
| Equity capital to assets | 9.4288% | 4,675 |
| Core capital (leverage) ratio | 9.2300% | 4,653 |
| Tier 1 risk-based capital ratio | 11.6965% | 5,998 |
| Total risk-based capital ratio | 13.1464% | 5,807 |
| Memoranda: | ||
| Average total assets | $535,748,670 | 1,251 |
| Average earning assets | $490,050,670 | 1,254 |
| Average equity | $50,556,000 | 1,412 |
| Average total loans | $399,405,330 | 1,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,837 |
| Cost of funding earning assets | 1.1013% | 370 |
| Net interest margin | 3.4937% | 3,725 |
| Noninterest income to average assets | 0.3526% | 4,857 |
| Noninterest expense to average assets | 2.5774% | 4,484 |
| Loan and lease loss provision to assets | 0.0749% | 3,381 |
| Net operating income to assets | 0.6348% | 4,054 |
| Return on assets (ROA) | 0.6513% | 4,110 |
| Pretax return on assets | 0.9178% | 3,698 |
| Return on Equity (ROE) | 6.8989% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.8989% | 2,202 |
| Net charge-offs to loans | -0.1003% | 6,448 |
| Credit loss provision to net charge-offs | -102.0408% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6678% | 3,489 |
| Assets per employee ($millions) | 5.2079% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8874% | 2,340 |
| Loan loss allowance to noncurrent loans | 117.2766% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 2,421 |
| Noncurrent loans to loans | 1.6094% | 3,126 |
| Net loans and leases to total assets | 73.7940% | 1,106 |
| Net loans and leases to deposits | 87.0730% | 1,240 |
| Net loans and leases to core deposits | 105.3767% | 664 |
| Total domestic deposits to total assets | 84.7495% | 4,158 |
| Equity capital to assets | 9.6719% | 4,605 |
| Core capital (leverage) ratio | 9.1964% | 4,572 |
| Tier 1 risk-based capital ratio | 11.8863% | 5,982 |
| Total risk-based capital ratio | 13.3413% | 5,807 |
| Memoranda: | ||
| Average total assets | $534,330,000 | 1,268 |
| Average earning assets | $488,532,000 | 1,269 |
| Average equity | $50,443,000 | 1,441 |
| Average total loans | $390,801,000 | 1,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 2,332 |
| Cost of funding earning assets | 1.3629% | 287 |
| Net interest margin | 3.4052% | 4,864 |
| Noninterest income to average assets | 0.0456% | 6,707 |
| Noninterest expense to average assets | 3.1469% | 2,784 |
| Loan and lease loss provision to assets | 1.7266% | 154 |
| Net operating income to assets | -1.1256% | 6,777 |
| Return on assets (ROA) | -1.1160% | 6,789 |
| Pretax return on assets | -1.7277% | 6,897 |
| Return on Equity (ROE) | -12.4429% | 6,777 |
| Retained earnings to average equity (ytd only) | -12.4429% | 6,712 |
| Net charge-offs to loans | 2.9814% | 173 |
| Credit loss provision to net charge-offs | 82.1218% | 3,759 |
| Earnings coverage of net charge-offs (x) | -0.0076% | 5,487 |
| Efficiency ratio | 100.5097% | 545 |
| Assets per employee ($millions) | 5.5374% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 2,343 |
| Loan loss allowance to noncurrent loans | 77.7267% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.4183% | 2,028 |
| Noncurrent loans to loans | 2.4229% | 2,196 |
| Net loans and leases to total assets | 69.7877% | 1,885 |
| Net loans and leases to deposits | 81.6723% | 2,051 |
| Net loans and leases to core deposits | 100.5595% | 993 |
| Total domestic deposits to total assets | 85.4484% | 3,639 |
| Equity capital to assets | 9.2160% | 5,250 |
| Core capital (leverage) ratio | 8.7574% | 5,250 |
| Tier 1 risk-based capital ratio | 11.7157% | 5,948 |
| Total risk-based capital ratio | 13.1730% | 5,792 |
| Memoranda: | ||
| Average total assets | $532,617,400 | 1,250 |
| Average earning assets | $482,583,400 | 1,264 |
| Average equity | $47,770,400 | 1,460 |
| Average total loans | $375,601,000 | 1,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 2,353 |
| Cost of funding earning assets | 1.4272% | 270 |
| Net interest margin | 3.3839% | 5,082 |
| Noninterest income to average assets | -0.0820% | 7,012 |
| Noninterest expense to average assets | 3.3039% | 2,265 |
| Loan and lease loss provision to assets | 2.2714% | 80 |
| Net operating income to assets | -1.6730% | 6,997 |
| Return on assets (ROA) | -1.6603% | 7,006 |
| Pretax return on assets | -2.5770% | 7,086 |
| Return on Equity (ROE) | -18.6425% | 6,972 |
| Retained earnings to average equity (ytd only) | -18.6425% | 6,953 |
| Net charge-offs to loans | 3.9655% | 91 |
| Credit loss provision to net charge-offs | 81.4044% | 3,581 |
| Earnings coverage of net charge-offs (x) | -0.1166% | 5,384 |
| Efficiency ratio | 110.9272% | 290 |
| Assets per employee ($millions) | 5.2917% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 2,384 |
| Loan loss allowance to noncurrent loans | 77.6808% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.6043% | 2,026 |
| Noncurrent loans to loans | 2.4867% | 2,313 |
| Net loans and leases to total assets | 69.1534% | 2,079 |
| Net loans and leases to deposits | 81.1919% | 2,225 |
| Net loans and leases to core deposits | 101.7820% | 998 |
| Total domestic deposits to total assets | 85.1728% | 3,675 |
| Equity capital to assets | 9.3522% | 5,402 |
| Core capital (leverage) ratio | 8.8366% | 5,288 |
| Tier 1 risk-based capital ratio | 11.8068% | 6,049 |
| Total risk-based capital ratio | 13.3742% | 5,847 |
| Memoranda: | ||
| Average total assets | $530,106,000 | 1,272 |
| Average earning assets | $479,438,750 | 1,287 |
| Average equity | $47,210,000 | 1,493 |
| Average total loans | $373,006,000 | 1,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 2,324 |
| Cost of funding earning assets | 1.5229% | 223 |
| Net interest margin | 3.3218% | 5,384 |
| Noninterest income to average assets | -0.3552% | 7,169 |
| Noninterest expense to average assets | 3.6364% | 1,498 |
| Loan and lease loss provision to assets | 3.3464% | 43 |
| Net operating income to assets | -2.8142% | 7,146 |
| Return on assets (ROA) | -2.8076% | 7,150 |
| Pretax return on assets | -4.3283% | 7,202 |
| Return on Equity (ROE) | -32.0601% | 7,117 |
| Retained earnings to average equity (ytd only) | -32.0601% | 7,108 |
| Net charge-offs to loans | 5.8414% | 39 |
| Credit loss provision to net charge-offs | 81.4743% | 3,278 |
| Earnings coverage of net charge-offs (x) | -0.2415% | 5,172 |
| Efficiency ratio | 137.5160% | 131 |
| Assets per employee ($millions) | 5.5346% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 2,353 |
| Loan loss allowance to noncurrent loans | 69.3072% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.9316% | 1,886 |
| Noncurrent loans to loans | 2.8232% | 2,122 |
| Net loans and leases to total assets | 69.8547% | 1,944 |
| Net loans and leases to deposits | 82.2059% | 2,089 |
| Net loans and leases to core deposits | 103.9263% | 865 |
| Total domestic deposits to total assets | 84.9753% | 3,878 |
| Equity capital to assets | 9.3056% | 5,309 |
| Core capital (leverage) ratio | 8.4323% | 5,737 |
| Tier 1 risk-based capital ratio | 11.5125% | 6,208 |
| Total risk-based capital ratio | 13.0768% | 6,010 |
| Memoranda: | ||
| Average total assets | $530,417,670 | 1,278 |
| Average earning assets | $478,957,000 | 1,295 |
| Average equity | $46,450,330 | 1,501 |
| Average total loans | $372,958,670 | 1,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 2,630 |
| Cost of funding earning assets | 1.5349% | 244 |
| Net interest margin | 3.2669% | 5,585 |
| Noninterest income to average assets | 0.1412% | 6,531 |
| Noninterest expense to average assets | 2.4433% | 5,331 |
| Loan and lease loss provision to assets | 0.4220% | 1,490 |
| Net operating income to assets | 0.2214% | 5,915 |
| Return on assets (ROA) | 0.2405% | 5,998 |
| Pretax return on assets | 0.2532% | 6,076 |
| Return on Equity (ROE) | 2.8327% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.8327% | 4,833 |
| Net charge-offs to loans | 1.9610% | 486 |
| Credit loss provision to net charge-offs | 30.8070% | 3,612 |
| Earnings coverage of net charge-offs (x) | 0.4782% | 4,102 |
| Efficiency ratio | 78.8573% | 2,371 |
| Assets per employee ($millions) | 5.8201% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 2,045 |
| Loan loss allowance to noncurrent loans | 48.7629% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 4.3009% | 1,263 |
| Noncurrent loans to loans | 4.3553% | 1,366 |
| Net loans and leases to total assets | 69.6297% | 1,817 |
| Net loans and leases to deposits | 85.7598% | 1,448 |
| Net loans and leases to core deposits | 105.9095% | 676 |
| Total domestic deposits to total assets | 81.1916% | 5,547 |
| Equity capital to assets | 8.6651% | 5,912 |
| Core capital (leverage) ratio | 8.4138% | 5,722 |
| Tier 1 risk-based capital ratio | 11.2897% | 6,392 |
| Total risk-based capital ratio | 12.8520% | 6,200 |
| Memoranda: | ||
| Average total assets | $535,498,000 | 1,263 |
| Average earning assets | $484,737,000 | 1,282 |
| Average equity | $45,469,000 | 1,525 |
| Average total loans | $374,099,500 | 1,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 3,028 |
| Cost of funding earning assets | 1.6918% | 334 |
| Net interest margin | 3.2776% | 5,881 |
| Noninterest income to average assets | 0.0476% | 6,845 |
| Noninterest expense to average assets | 2.3644% | 5,866 |
| Loan and lease loss provision to assets | 1.7704% | 376 |
| Net operating income to assets | -0.6707% | 6,592 |
| Return on assets (ROA) | -0.5412% | 6,559 |
| Pretax return on assets | -0.8765% | 6,679 |
| Return on Equity (ROE) | -6.1861% | 6,590 |
| Retained earnings to average equity (ytd only) | -6.1861% | 6,521 |
| Net charge-offs to loans | 2.9232% | 342 |
| Credit loss provision to net charge-offs | 84.2495% | 4,270 |
| Earnings coverage of net charge-offs (x) | 0.3291% | 5,578 |
| Efficiency ratio | 77.3701% | 2,687 |
| Assets per employee ($millions) | 5.6392% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4961% | 1,321 |
| Loan loss allowance to noncurrent loans | 52.4052% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 4.6802% | 1,167 |
| Noncurrent loans to loans | 4.7631% | 1,222 |
| Net loans and leases to total assets | 66.8949% | 2,610 |
| Net loans and leases to deposits | 81.9979% | 2,200 |
| Net loans and leases to core deposits | 100.5645% | 1,126 |
| Total domestic deposits to total assets | 81.5812% | 5,272 |
| Equity capital to assets | 8.3206% | 6,330 |
| Core capital (leverage) ratio | 8.2273% | 5,954 |
| Tier 1 risk-based capital ratio | 11.3979% | 6,217 |
| Total risk-based capital ratio | 12.9699% | 5,998 |
| Memoranda: | ||
| Average total assets | $533,283,600 | 1,252 |
| Average earning assets | $489,472,200 | 1,244 |
| Average equity | $46,653,200 | 1,462 |
| Average total loans | $383,353,200 | 1,109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 3,012 |
| Cost of funding earning assets | 1.7157% | 373 |
| Net interest margin | 3.2992% | 5,861 |
| Noninterest income to average assets | 0.1029% | 6,739 |
| Noninterest expense to average assets | 2.4595% | 5,597 |
| Loan and lease loss provision to assets | 2.1513% | 236 |
| Net operating income to assets | -0.9336% | 6,855 |
| Return on assets (ROA) | -0.8302% | 6,846 |
| Pretax return on assets | -1.3078% | 6,968 |
| Return on Equity (ROE) | -9.3732% | 6,875 |
| Retained earnings to average equity (ytd only) | -9.3732% | 6,836 |
| Net charge-offs to loans | 3.6520% | 201 |
| Credit loss provision to net charge-offs | 81.0055% | 4,113 |
| Earnings coverage of net charge-offs (x) | 0.2568% | 5,401 |
| Efficiency ratio | 78.2935% | 2,509 |
| Assets per employee ($millions) | 5.6350% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4208% | 1,507 |
| Loan loss allowance to noncurrent loans | 48.9082% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 5.0420% | 1,138 |
| Noncurrent loans to loans | 4.9497% | 1,267 |
| Net loans and leases to total assets | 67.9626% | 2,494 |
| Net loans and leases to deposits | 83.5245% | 2,088 |
| Net loans and leases to core deposits | 101.0356% | 1,161 |
| Total domestic deposits to total assets | 81.3684% | 5,306 |
| Equity capital to assets | 8.4743% | 6,319 |
| Core capital (leverage) ratio | 8.2564% | 6,045 |
| Tier 1 risk-based capital ratio | 11.0902% | 6,485 |
| Total risk-based capital ratio | 12.7554% | 6,230 |
| Memoranda: | ||
| Average total assets | $531,263,000 | 1,259 |
| Average earning assets | $489,281,000 | 1,248 |
| Average equity | $47,055,250 | 1,450 |
| Average total loans | $386,337,250 | 1,117 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 3,009 |
| Cost of funding earning assets | 1.7330% | 416 |
| Net interest margin | 3.2978% | 5,866 |
| Noninterest income to average assets | 0.0366% | 7,093 |
| Noninterest expense to average assets | 2.3461% | 6,012 |
| Loan and lease loss provision to assets | 1.4519% | 493 |
| Net operating income to assets | -0.4315% | 6,642 |
| Return on assets (ROA) | -0.2759% | 6,568 |
| Pretax return on assets | -0.4631% | 6,635 |
| Return on Equity (ROE) | -3.0702% | 6,594 |
| Retained earnings to average equity (ytd only) | -3.0702% | 6,378 |
| Net charge-offs to loans | 2.4205% | 504 |
| Credit loss provision to net charge-offs | 81.3319% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.4178% | 4,987 |
| Efficiency ratio | 75.8789% | 3,036 |
| Assets per employee ($millions) | 5.9042% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6539% | 1,237 |
| Loan loss allowance to noncurrent loans | 46.3734% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 5.6003% | 1,044 |
| Noncurrent loans to loans | 5.7229% | 1,077 |
| Net loans and leases to total assets | 70.8726% | 2,035 |
| Net loans and leases to deposits | 88.8727% | 1,386 |
| Net loans and leases to core deposits | 108.3692% | 792 |
| Total domestic deposits to total assets | 79.7461% | 5,892 |
| Equity capital to assets | 9.0334% | 5,534 |
| Core capital (leverage) ratio | 8.8462% | 4,971 |
| Tier 1 risk-based capital ratio | 11.7836% | 5,947 |
| Total risk-based capital ratio | 13.4579% | 5,590 |
| Memoranda: | ||
| Average total assets | $529,908,330 | 1,264 |
| Average earning assets | $490,936,670 | 1,245 |
| Average equity | $47,618,670 | 1,421 |
| Average total loans | $390,833,670 | 1,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 2,842 |
| Cost of funding earning assets | 1.7342% | 486 |
| Net interest margin | 3.3190% | 5,714 |
| Noninterest income to average assets | 0.1293% | 6,771 |
| Noninterest expense to average assets | 2.2138% | 6,390 |
| Loan and lease loss provision to assets | 0.5262% | 1,651 |
| Net operating income to assets | 0.3549% | 5,153 |
| Return on assets (ROA) | 0.3661% | 5,179 |
| Pretax return on assets | 0.5127% | 4,985 |
| Return on Equity (ROE) | 4.0844% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.0844% | 3,711 |
| Net charge-offs to loans | 1.1809% | 1,181 |
| Credit loss provision to net charge-offs | 60.0343% | 3,542 |
| Earnings coverage of net charge-offs (x) | 1.1672% | 3,780 |
| Efficiency ratio | 68.3929% | 4,581 |
| Assets per employee ($millions) | 6.1478% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6914% | 1,214 |
| Loan loss allowance to noncurrent loans | 51.4130% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.4065% | 1,480 |
| Noncurrent loans to loans | 5.2348% | 1,265 |
| Net loans and leases to total assets | 72.2823% | 1,664 |
| Net loans and leases to deposits | 90.7434% | 1,149 |
| Net loans and leases to core deposits | 109.9831% | 725 |
| Total domestic deposits to total assets | 79.6557% | 6,025 |
| Equity capital to assets | 9.0957% | 5,062 |
| Core capital (leverage) ratio | 8.9804% | 4,643 |
| Tier 1 risk-based capital ratio | 12.0332% | 5,663 |
| Total risk-based capital ratio | 13.7047% | 5,285 |
| Memoranda: | ||
| Average total assets | $532,127,500 | 1,267 |
| Average earning assets | $498,221,000 | 1,236 |
| Average equity | $47,694,000 | 1,405 |
| Average total loans | $394,967,000 | 1,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 3,426 |
| Cost of funding earning assets | 2.0074% | 591 |
| Net interest margin | 3.2290% | 6,195 |
| Noninterest income to average assets | 0.0067% | 7,256 |
| Noninterest expense to average assets | 2.1810% | 6,663 |
| Loan and lease loss provision to assets | 1.5292% | 964 |
| Net operating income to assets | -0.4159% | 6,331 |
| Return on assets (ROA) | -0.3824% | 6,322 |
| Pretax return on assets | -0.6200% | 6,409 |
| Return on Equity (ROE) | -4.2424% | 6,374 |
| Retained earnings to average equity (ytd only) | -4.2424% | 6,223 |
| Net charge-offs to loans | 0.9296% | 2,324 |
| Credit loss provision to net charge-offs | 217.1995% | 1,393 |
| Earnings coverage of net charge-offs (x) | 1.2172% | 4,885 |
| Efficiency ratio | 71.7916% | 3,836 |
| Assets per employee ($millions) | 6.5310% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7785% | 1,084 |
| Loan loss allowance to noncurrent loans | 46.1545% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 4.9531% | 1,297 |
| Noncurrent loans to loans | 6.0199% | 1,039 |
| Net loans and leases to total assets | 72.1068% | 2,081 |
| Net loans and leases to deposits | 90.0035% | 1,520 |
| Net loans and leases to core deposits | 108.0421% | 1,044 |
| Total domestic deposits to total assets | 80.1155% | 5,801 |
| Equity capital to assets | 8.8318% | 5,390 |
| Core capital (leverage) ratio | 8.7601% | 4,915 |
| Tier 1 risk-based capital ratio | 11.7168% | 5,713 |
| Total risk-based capital ratio | 13.3829% | 5,332 |
| Memoranda: | ||
| Average total assets | $537,588,800 | 1,246 |
| Average earning assets | $504,672,800 | 1,219 |
| Average equity | $48,463,000 | 1,378 |
| Average total loans | $407,153,600 | 1,109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 3,582 |
| Cost of funding earning assets | 2.0598% | 610 |
| Net interest margin | 3.1893% | 6,377 |
| Noninterest income to average assets | -0.0382% | 7,487 |
| Noninterest expense to average assets | 2.1745% | 6,670 |
| Loan and lease loss provision to assets | 1.7644% | 710 |
| Net operating income to assets | -0.6247% | 6,683 |
| Return on assets (ROA) | -0.5905% | 6,708 |
| Pretax return on assets | -0.9277% | 6,816 |
| Return on Equity (ROE) | -6.5169% | 6,760 |
| Retained earnings to average equity (ytd only) | -6.5169% | 6,680 |
| Net charge-offs to loans | 0.8781% | 2,250 |
| Credit loss provision to net charge-offs | 263.9362% | 1,249 |
| Earnings coverage of net charge-offs (x) | 1.1716% | 4,892 |
| Efficiency ratio | 73.5193% | 3,410 |
| Assets per employee ($millions) | 6.5162% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6987% | 1,084 |
| Loan loss allowance to noncurrent loans | 79.2395% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 3.0992% | 2,333 |
| Noncurrent loans to loans | 3.4058% | 2,334 |
| Net loans and leases to total assets | 73.4835% | 1,916 |
| Net loans and leases to deposits | 91.8297% | 1,471 |
| Net loans and leases to core deposits | 108.4467% | 1,130 |
| Total domestic deposits to total assets | 80.0215% | 5,706 |
| Equity capital to assets | 8.9577% | 5,642 |
| Core capital (leverage) ratio | 8.6208% | 5,312 |
| Tier 1 risk-based capital ratio | 11.2393% | 6,146 |
| Total risk-based capital ratio | 12.7842% | 5,884 |
| Memoranda: | ||
| Average total assets | $538,100,500 | 1,259 |
| Average earning assets | $505,467,250 | 1,226 |
| Average equity | $48,754,250 | 1,379 |
| Average total loans | $409,642,500 | 1,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 3,926 |
| Cost of funding earning assets | 2.0924% | 674 |
| Net interest margin | 3.1131% | 6,569 |
| Noninterest income to average assets | -0.0607% | 7,597 |
| Noninterest expense to average assets | 2.1598% | 6,745 |
| Loan and lease loss provision to assets | 2.5116% | 449 |
| Net operating income to assets | -1.1701% | 7,015 |
| Return on assets (ROA) | -1.1300% | 7,016 |
| Pretax return on assets | -1.7428% | 7,160 |
| Return on Equity (ROE) | -12.4241% | 7,052 |
| Retained earnings to average equity (ytd only) | -12.4241% | 7,010 |
| Net charge-offs to loans | 0.9097% | 2,014 |
| Credit loss provision to net charge-offs | 361.7158% | 1,012 |
| Earnings coverage of net charge-offs (x) | 1.0182% | 4,770 |
| Efficiency ratio | 75.3377% | 3,198 |
| Assets per employee ($millions) | 6.4931% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7781% | 1,020 |
| Loan loss allowance to noncurrent loans | 102.1896% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 2.4451% | 2,944 |
| Noncurrent loans to loans | 2.7186% | 2,934 |
| Net loans and leases to total assets | 73.6647% | 1,988 |
| Net loans and leases to deposits | 91.4591% | 1,621 |
| Net loans and leases to core deposits | 106.0206% | 1,444 |
| Total domestic deposits to total assets | 80.5439% | 5,547 |
| Equity capital to assets | 8.6426% | 5,953 |
| Core capital (leverage) ratio | 8.5359% | 5,352 |
| Tier 1 risk-based capital ratio | 10.9341% | 6,311 |
| Total risk-based capital ratio | 12.6760% | 5,813 |
| Memoranda: | ||
| Average total assets | $537,187,000 | 1,270 |
| Average earning assets | $505,155,670 | 1,231 |
| Average equity | $48,856,670 | 1,372 |
| Average total loans | $410,039,330 | 1,117 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 3,732 |
| Cost of funding earning assets | 2.1142% | 776 |
| Net interest margin | 3.1462% | 6,468 |
| Noninterest income to average assets | -0.1103% | 7,762 |
| Noninterest expense to average assets | 2.1446% | 6,821 |
| Loan and lease loss provision to assets | 0.3459% | 3,307 |
| Net operating income to assets | 0.2591% | 5,458 |
| Return on assets (ROA) | 0.2724% | 5,535 |
| Pretax return on assets | 0.3849% | 5,345 |
| Return on Equity (ROE) | 2.9206% | 5,370 |
| Retained earnings to average equity (ytd only) | 2.9206% | 4,380 |
| Net charge-offs to loans | 0.2556% | 3,409 |
| Credit loss provision to net charge-offs | 176.6284% | 2,066 |
| Earnings coverage of net charge-offs (x) | 3.6360% | 2,842 |
| Efficiency ratio | 75.0722% | 3,392 |
| Assets per employee ($millions) | 6.8764% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,269 |
| Loan loss allowance to noncurrent loans | 69.0916% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.3969% | 3,034 |
| Noncurrent loans to loans | 2.3819% | 3,294 |
| Net loans and leases to total assets | 75.7687% | 1,589 |
| Net loans and leases to deposits | 95.2476% | 1,195 |
| Net loans and leases to core deposits | 109.6803% | 1,300 |
| Total domestic deposits to total assets | 79.5492% | 5,928 |
| Equity capital to assets | 9.3247% | 4,795 |
| Core capital (leverage) ratio | 9.5063% | 3,756 |
| Tier 1 risk-based capital ratio | 11.8465% | 5,346 |
| Total risk-based capital ratio | 13.5806% | 4,835 |
| Memoranda: | ||
| Average total assets | $533,072,000 | 1,311 |
| Average earning assets | $502,697,000 | 1,273 |
| Average equity | $49,716,000 | 1,346 |
| Average total loans | $408,428,500 | 1,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 4,147 |
| Cost of funding earning assets | 2.7645% | 496 |
| Net interest margin | 2.7346% | 7,162 |
| Noninterest income to average assets | 0.1426% | 7,025 |
| Noninterest expense to average assets | 2.1127% | 7,157 |
| Loan and lease loss provision to assets | 0.4689% | 4,013 |
| Net operating income to assets | 0.1067% | 5,198 |
| Return on assets (ROA) | 0.1067% | 5,240 |
| Pretax return on assets | 0.1531% | 5,104 |
| Return on Equity (ROE) | 1.1949% | 5,172 |
| Retained earnings to average equity (ytd only) | 1.1949% | 4,211 |
| Net charge-offs to loans | 0.1920% | 5,447 |
| Credit loss provision to net charge-offs | 306.7114% | 1,077 |
| Earnings coverage of net charge-offs (x) | 4.0685% | 3,080 |
| Efficiency ratio | 77.2567% | 3,317 |
| Assets per employee ($millions) | 6.8803% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 3,148 |
| Loan loss allowance to noncurrent loans | 183.2315% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3194% | 4,452 |
| Noncurrent loans to loans | 0.8923% | 5,522 |
| Net loans and leases to total assets | 74.9483% | 2,044 |
| Net loans and leases to deposits | 93.1850% | 1,714 |
| Net loans and leases to core deposits | 135.4497% | 980 |
| Total domestic deposits to total assets | 80.4296% | 5,543 |
| Equity capital to assets | 9.3280% | 4,669 |
| Core capital (leverage) ratio | 9.5851% | 3,618 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,082 |
| Total risk-based capital ratio | 13.5733% | 4,620 |
| Memoranda: | ||
| Average total assets | $487,342,600 | 1,420 |
| Average earning assets | $461,932,800 | 1,361 |
| Average equity | $43,517,800 | 1,540 |
| Average total loans | $388,017,600 | 1,242 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 4,475 |
| Cost of funding earning assets | 2.8982% | 460 |
| Net interest margin | 2.5906% | 7,364 |
| Noninterest income to average assets | 0.1502% | 7,109 |
| Noninterest expense to average assets | 2.1233% | 7,146 |
| Loan and lease loss provision to assets | 0.4727% | 3,545 |
| Net operating income to assets | 0.0137% | 5,680 |
| Return on assets (ROA) | 0.0137% | 5,731 |
| Pretax return on assets | 0.0134% | 5,677 |
| Return on Equity (ROE) | 0.1554% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.1554% | 5,137 |
| Net charge-offs to loans | 0.1503% | 5,209 |
| Credit loss provision to net charge-offs | 390.3002% | 1,031 |
| Earnings coverage of net charge-offs (x) | 4.0139% | 3,299 |
| Efficiency ratio | 81.3719% | 2,665 |
| Assets per employee ($millions) | 6.9002% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 3,010 |
| Loan loss allowance to noncurrent loans | 160.4929% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 4,497 |
| Noncurrent loans to loans | 0.9939% | 5,317 |
| Net loans and leases to total assets | 76.3223% | 1,928 |
| Net loans and leases to deposits | 95.7016% | 1,618 |
| Net loans and leases to core deposits | 139.1147% | 960 |
| Total domestic deposits to total assets | 79.7503% | 5,544 |
| Equity capital to assets | 9.6656% | 4,540 |
| Core capital (leverage) ratio | 9.6089% | 3,778 |
| Tier 1 risk-based capital ratio | 11.9873% | 4,992 |
| Total risk-based capital ratio | 13.7337% | 4,507 |
| Memoranda: | ||
| Average total assets | $476,732,250 | 1,468 |
| Average earning assets | $452,548,000 | 1,412 |
| Average equity | $42,042,750 | 1,604 |
| Average total loans | $384,106,000 | 1,270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 4,573 |
| Cost of funding earning assets | 3.0268% | 432 |
| Net interest margin | 2.4822% | 7,499 |
| Noninterest income to average assets | 0.1654% | 7,097 |
| Noninterest expense to average assets | 2.2035% | 7,045 |
| Loan and lease loss provision to assets | 0.5629% | 2,768 |
| Net operating income to assets | -0.1620% | 6,120 |
| Return on assets (ROA) | -0.1620% | 6,147 |
| Pretax return on assets | -0.2505% | 6,177 |
| Return on Equity (ROE) | -1.9038% | 6,208 |
| Retained earnings to average equity (ytd only) | -1.9038% | 5,712 |
| Net charge-offs to loans | 0.1710% | 4,516 |
| Credit loss provision to net charge-offs | 403.0769% | 1,148 |
| Earnings coverage of net charge-offs (x) | 2.2369% | 3,948 |
| Efficiency ratio | 87.5833% | 2,061 |
| Assets per employee ($millions) | 6.3075% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 2,940 |
| Loan loss allowance to noncurrent loans | 196.0117% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 4,444 |
| Noncurrent loans to loans | 0.7921% | 5,648 |
| Net loans and leases to total assets | 77.9071% | 1,765 |
| Net loans and leases to deposits | 96.1929% | 1,766 |
| Net loans and leases to core deposits | 137.4761% | 1,129 |
| Total domestic deposits to total assets | 80.9906% | 5,082 |
| Equity capital to assets | 7.9781% | 6,780 |
| Core capital (leverage) ratio | 8.1036% | 6,159 |
| Tier 1 risk-based capital ratio | 9.7491% | 7,185 |
| Total risk-based capital ratio | 11.4784% | 6,608 |
| Memoranda: | ||
| Average total assets | $465,438,000 | 1,527 |
| Average earning assets | $440,735,000 | 1,466 |
| Average equity | $39,605,670 | 1,716 |
| Average total loans | $380,131,330 | 1,306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 4,974 |
| Cost of funding earning assets | 3.0765% | 491 |
| Net interest margin | 2.4122% | 7,600 |
| Noninterest income to average assets | 0.1592% | 7,170 |
| Noninterest expense to average assets | 2.0798% | 7,166 |
| Loan and lease loss provision to assets | 0.1902% | 4,535 |
| Net operating income to assets | 0.1150% | 5,935 |
| Return on assets (ROA) | 0.1150% | 6,097 |
| Pretax return on assets | 0.1734% | 6,004 |
| Return on Equity (ROE) | 1.3071% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.3071% | 5,114 |
| Net charge-offs to loans | 0.2077% | 3,397 |
| Credit loss provision to net charge-offs | 110.2564% | 3,500 |
| Earnings coverage of net charge-offs (x) | 2.1077% | 3,671 |
| Efficiency ratio | 85.1195% | 2,180 |
| Assets per employee ($millions) | 6.1402% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 3,843 |
| Loan loss allowance to noncurrent loans | 128.9013% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 3,306 |
| Noncurrent loans to loans | 1.0411% | 4,906 |
| Net loans and leases to total assets | 78.9937% | 1,583 |
| Net loans and leases to deposits | 98.6581% | 1,578 |
| Net loans and leases to core deposits | 148.7294% | 749 |
| Total domestic deposits to total assets | 80.0682% | 5,343 |
| Equity capital to assets | 8.3910% | 6,246 |
| Core capital (leverage) ratio | 8.8093% | 4,967 |
| Tier 1 risk-based capital ratio | 10.1892% | 6,728 |
| Total risk-based capital ratio | 11.9510% | 6,096 |
| Memoranda: | ||
| Average total assets | $452,163,500 | 1,566 |
| Average earning assets | $428,149,000 | 1,520 |
| Average equity | $39,783,000 | 1,714 |
| Average total loans | $375,528,000 | 1,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4006% | 3,417 |
| Cost of funding earning assets | 3.4501% | 600 |
| Net interest margin | 2.9505% | 7,031 |
| Noninterest income to average assets | 0.1848% | 7,125 |
| Noninterest expense to average assets | 2.1488% | 7,115 |
| Loan and lease loss provision to assets | 0.7344% | 2,018 |
| Net operating income to assets | 0.0475% | 6,241 |
| Return on assets (ROA) | 0.0475% | 6,097 |
| Pretax return on assets | 0.0844% | 5,979 |
| Return on Equity (ROE) | 0.5324% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.5324% | 4,919 |
| Net charge-offs to loans | 0.1054% | 5,244 |
| Credit loss provision to net charge-offs | 828.6119% | 529 |
| Earnings coverage of net charge-offs (x) | 9.2380% | 2,726 |
| Efficiency ratio | 72.4112% | 3,859 |
| Assets per employee ($millions) | 5.9935% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 3,431 |
| Loan loss allowance to noncurrent loans | 114.7359% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 3,172 |
| Noncurrent loans to loans | 1.1842% | 4,147 |
| Net loans and leases to total assets | 85.1470% | 716 |
| Net loans and leases to deposits | 109.2606% | 883 |
| Net loans and leases to core deposits | 168.4380% | 432 |
| Total domestic deposits to total assets | 77.9302% | 5,735 |
| Equity capital to assets | 9.2447% | 5,011 |
| Core capital (leverage) ratio | 9.4588% | 4,074 |
| Tier 1 risk-based capital ratio | 10.4086% | 6,304 |
| Total risk-based capital ratio | 12.1839% | 5,700 |
| Memoranda: | ||
| Average total assets | $398,308,400 | 1,707 |
| Average earning assets | $375,667,800 | 1,651 |
| Average equity | $35,499,000 | 1,899 |
| Average total loans | $334,952,400 | 1,450 |