Home > First Capital Bank > Performance and Condition Ratios
First Capital Bank, Performance and Condition Ratios
| 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 | 2.1127% | 7,229 |
| Cost of funding earning assets | 0.5230% | 5,658 |
| Net interest margin | 1.5898% | 7,230 |
| Noninterest income to average assets | 0.8858% | 1,811 |
| Noninterest expense to average assets | 9.6040% | 87 |
| Loan and lease loss provision to assets | 11.0556% | 5 |
| Net operating income to assets | -18.5272% | 7,307 |
| Return on assets (ROA) | -18.5272% | 7,307 |
| Pretax return on assets | -18.5272% | 7,307 |
| Return on Equity (ROE) | -1,908.3421% | 7,308 |
| Retained earnings to average equity (ytd only) | -1,908.3421% | 7,308 |
| Net charge-offs to loans | 30.5258% | 1 |
| Credit loss provision to net charge-offs | 55.0204% | 3,198 |
| Earnings coverage of net charge-offs (x) | -0.3718% | 4,481 |
| Efficiency ratio | 450.3846% | 8 |
| Assets per employee ($millions) | 2.9632% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4607% | 550 |
| Loan loss allowance to noncurrent loans | 15.0828% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 27.3488% | 10 |
| Noncurrent loans to loans | 22.9446% | 29 |
| Net loans and leases to total assets | 65.1458% | 2,621 |
| Net loans and leases to deposits | 64.5936% | 4,551 |
| Net loans and leases to core deposits | 66.9549% | 4,807 |
| Total domestic deposits to total assets | 100.8549% | 1 |
| Equity capital to assets | -1.4759% | 7,307 |
| Core capital (leverage) ratio | -1.3424% | 7,307 |
| Tier 1 risk-based capital ratio | -1.8649% | 7,307 |
| Total risk-based capital ratio | -1.8649% | 7,307 |
| Memoranda: | ||
| Average total assets | $48,771,500 | 6,403 |
| Average earning assets | $38,244,000 | 6,592 |
| Average equity | $473,500 | 7,303 |
| Average total loans | $32,104,000 | 6,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 3,700 |
| Cost of funding earning assets | 0.7010% | 5,533 |
| Net interest margin | 4.1214% | 2,347 |
| Noninterest income to average assets | 1.2760% | 789 |
| Noninterest expense to average assets | 5.1936% | 334 |
| Loan and lease loss provision to assets | 7.2559% | 8 |
| Net operating income to assets | -7.5461% | 7,341 |
| Return on assets (ROA) | -7.5461% | 7,342 |
| Pretax return on assets | -7.5461% | 7,343 |
| Return on Equity (ROE) | -121.0548% | 7,328 |
| Retained earnings to average equity (ytd only) | -121.0548% | 7,328 |
| Net charge-offs to loans | 9.3677% | 10 |
| Credit loss provision to net charge-offs | 91.3250% | 3,953 |
| Earnings coverage of net charge-offs (x) | -0.0365% | 5,851 |
| Efficiency ratio | 105.9173% | 520 |
| Assets per employee ($millions) | 3.1232% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2518% | 76 |
| Loan loss allowance to noncurrent loans | 19.0812% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 31.4757% | 6 |
| Noncurrent loans to loans | 32.7644% | 12 |
| Net loans and leases to total assets | 60.4106% | 3,916 |
| Net loans and leases to deposits | 62.8774% | 5,135 |
| Net loans and leases to core deposits | 65.0939% | 5,356 |
| Total domestic deposits to total assets | 96.0768% | 35 |
| Equity capital to assets | 3.0191% | 7,275 |
| Core capital (leverage) ratio | 2.9859% | 7,268 |
| Tier 1 risk-based capital ratio | 4.0460% | 7,277 |
| Total risk-based capital ratio | 5.3484% | 7,278 |
| Memoranda: | ||
| Average total assets | $92,710,400 | 5,107 |
| Average earning assets | $81,599,400 | 5,184 |
| Average equity | $5,779,200 | 6,211 |
| Average total loans | $78,632,000 | 4,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 3,141 |
| Cost of funding earning assets | 0.7458% | 5,490 |
| Net interest margin | 4.2437% | 1,936 |
| Noninterest income to average assets | 1.0875% | 1,132 |
| Noninterest expense to average assets | 5.0752% | 350 |
| Loan and lease loss provision to assets | 8.9030% | 5 |
| Net operating income to assets | -9.0979% | 7,423 |
| Return on assets (ROA) | -9.0979% | 7,425 |
| Pretax return on assets | -9.0979% | 7,427 |
| Return on Equity (ROE) | -136.8229% | 7,403 |
| Retained earnings to average equity (ytd only) | -136.8229% | 7,403 |
| Net charge-offs to loans | 12.2281% | 8 |
| Credit loss provision to net charge-offs | 83.2564% | 4,030 |
| Earnings coverage of net charge-offs (x) | -0.0182% | 5,615 |
| Efficiency ratio | 103.9936% | 549 |
| Assets per employee ($millions) | 3.4114% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7338% | 482 |
| Loan loss allowance to noncurrent loans | 13.1648% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 26.9338% | 16 |
| Noncurrent loans to loans | 28.3620% | 17 |
| Net loans and leases to total assets | 66.1775% | 2,863 |
| Net loans and leases to deposits | 69.4862% | 4,385 |
| Net loans and leases to core deposits | 71.8783% | 4,731 |
| Total domestic deposits to total assets | 95.2384% | 50 |
| Equity capital to assets | 2.9259% | 7,367 |
| Core capital (leverage) ratio | 2.3887% | 7,378 |
| Tier 1 risk-based capital ratio | 3.7549% | 7,368 |
| Total risk-based capital ratio | 5.0293% | 7,368 |
| Memoranda: | ||
| Average total assets | $102,614,250 | 4,852 |
| Average earning assets | $91,710,750 | 4,903 |
| Average equity | $6,823,250 | 5,958 |
| Average total loans | $89,736,500 | 3,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 1,863 |
| Cost of funding earning assets | 0.7768% | 5,529 |
| Net interest margin | 4.5300% | 1,057 |
| Noninterest income to average assets | 0.9897% | 1,350 |
| Noninterest expense to average assets | 5.0411% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0388% | 6,150 |
| Return on assets (ROA) | 0.0388% | 6,228 |
| Pretax return on assets | 0.0388% | 6,210 |
| Return on Equity (ROE) | 0.5370% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.5370% | 5,640 |
| Net charge-offs to loans | 0.0299% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.4375% | 4,209 |
| Efficiency ratio | 99.2366% | 745 |
| Assets per employee ($millions) | 3.2975% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7607% | 1,117 |
| Loan loss allowance to noncurrent loans | 12.5051% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 21.4338% | 49 |
| Noncurrent loans to loans | 22.0765% | 42 |
| Net loans and leases to total assets | 84.3256% | 225 |
| Net loans and leases to deposits | 92.3419% | 1,014 |
| Net loans and leases to core deposits | 95.4371% | 1,736 |
| Total domestic deposits to total assets | 91.3189% | 390 |
| Equity capital to assets | 7.4716% | 6,962 |
| Core capital (leverage) ratio | 7.3758% | 6,826 |
| Tier 1 risk-based capital ratio | 9.0631% | 7,169 |
| Total risk-based capital ratio | 10.3338% | 7,168 |
| Memoranda: | ||
| Average total assets | $118,625,000 | 4,499 |
| Average earning assets | $107,107,000 | 4,533 |
| Average equity | $8,565,330 | 5,439 |
| Average total loans | $107,141,330 | 3,524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 1,830 |
| Cost of funding earning assets | 0.7855% | 5,639 |
| Net interest margin | 4.5261% | 1,012 |
| Noninterest income to average assets | 0.9615% | 1,428 |
| Noninterest expense to average assets | 5.4827% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4192% | 6,750 |
| Return on assets (ROA) | -0.4192% | 6,761 |
| Pretax return on assets | -0.4192% | 6,699 |
| Return on Equity (ROE) | -5.9041% | 6,857 |
| Retained earnings to average equity (ytd only) | -5.9041% | 6,585 |
| Net charge-offs to loans | 0.0398% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -11.4545% | 5,063 |
| Efficiency ratio | 108.2786% | 533 |
| Assets per employee ($millions) | 3.2151% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5448% | 1,399 |
| Loan loss allowance to noncurrent loans | 13.4389% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 19.6152% | 68 |
| Noncurrent loans to loans | 18.9361% | 75 |
| Net loans and leases to total assets | 89.1089% | 59 |
| Net loans and leases to deposits | 98.3449% | 555 |
| Net loans and leases to core deposits | 102.6465% | 1,153 |
| Total domestic deposits to total assets | 90.6085% | 795 |
| Equity capital to assets | 7.1235% | 7,046 |
| Core capital (leverage) ratio | 6.8721% | 7,057 |
| Tier 1 risk-based capital ratio | 8.3081% | 7,271 |
| Total risk-based capital ratio | 9.5758% | 7,273 |
| Memoranda: | ||
| Average total assets | $120,232,000 | 4,476 |
| Average earning assets | $108,969,000 | 4,497 |
| Average equity | $8,536,500 | 5,449 |
| Average total loans | $110,670,000 | 3,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8113% | 1,252 |
| Cost of funding earning assets | 0.9442% | 5,959 |
| Net interest margin | 4.8671% | 577 |
| Noninterest income to average assets | 1.2745% | 904 |
| Noninterest expense to average assets | 4.0558% | 1,082 |
| Loan and lease loss provision to assets | 2.3881% | 484 |
| Net operating income to assets | -0.7351% | 6,541 |
| Return on assets (ROA) | -0.7351% | 6,573 |
| Pretax return on assets | -0.7351% | 6,480 |
| Return on Equity (ROE) | -9.9934% | 6,727 |
| Retained earnings to average equity (ytd only) | -14.0791% | 6,846 |
| Net charge-offs to loans | 1.8250% | 1,150 |
| Credit loss provision to net charge-offs | 140.5354% | 2,686 |
| Earnings coverage of net charge-offs (x) | 0.9728% | 5,136 |
| Efficiency ratio | 71.0444% | 3,985 |
| Assets per employee ($millions) | 3.1155% | 5,848 |
| Cash dividends to net income (ytd only)* | -40.8840% | 7,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 1,443 |
| Loan loss allowance to noncurrent loans | 13.0813% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 19.7070% | 71 |
| Noncurrent loans to loans | 18.8720% | 84 |
| Net loans and leases to total assets | 90.3584% | 56 |
| Net loans and leases to deposits | 102.3616% | 470 |
| Net loans and leases to core deposits | 107.8943% | 1,055 |
| Total domestic deposits to total assets | 88.2737% | 2,081 |
| Equity capital to assets | 7.0771% | 7,088 |
| Core capital (leverage) ratio | 6.9733% | 7,039 |
| Tier 1 risk-based capital ratio | 8.1006% | 7,341 |
| Total risk-based capital ratio | 9.3676% | 7,347 |
| Memoranda: | ||
| Average total assets | $123,108,400 | 4,423 |
| Average earning assets | $112,160,200 | 4,418 |
| Average equity | $9,056,000 | 5,403 |
| Average total loans | $114,631,400 | 3,436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 1,444 |
| Cost of funding earning assets | 0.9685% | 6,085 |
| Net interest margin | 4.8165% | 654 |
| Noninterest income to average assets | 1.0126% | 1,432 |
| Noninterest expense to average assets | 3.8873% | 1,221 |
| Loan and lease loss provision to assets | 2.6664% | 370 |
| Net operating income to assets | -1.1443% | 6,961 |
| Return on assets (ROA) | -1.1443% | 6,993 |
| Pretax return on assets | -1.1443% | 6,917 |
| Return on Equity (ROE) | -15.4118% | 7,122 |
| Retained earnings to average equity (ytd only) | -20.7914% | 7,225 |
| Net charge-offs to loans | 1.9279% | 983 |
| Credit loss provision to net charge-offs | 148.3483% | 2,636 |
| Earnings coverage of net charge-offs (x) | 0.8468% | 5,203 |
| Efficiency ratio | 71.8619% | 3,729 |
| Assets per employee ($millions) | 3.1778% | 5,729 |
| Cash dividends to net income (ytd only)* | -34.9055% | 7,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,470 |
| Loan loss allowance to noncurrent loans | 13.8439% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 16.7700% | 109 |
| Noncurrent loans to loans | 17.3418% | 115 |
| Net loans and leases to total assets | 92.0742% | 26 |
| Net loans and leases to deposits | 107.4572% | 309 |
| Net loans and leases to core deposits | 115.5900% | 761 |
| Total domestic deposits to total assets | 85.6845% | 3,248 |
| Equity capital to assets | 6.9926% | 7,342 |
| Core capital (leverage) ratio | 6.8969% | 7,212 |
| Tier 1 risk-based capital ratio | 7.9376% | 7,484 |
| Total risk-based capital ratio | 9.2038% | 7,487 |
| Memoranda: | ||
| Average total assets | $123,509,250 | 4,469 |
| Average earning assets | $112,747,750 | 4,463 |
| Average equity | $9,170,250 | 5,440 |
| Average total loans | $115,147,000 | 3,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9791% | 995 |
| Cost of funding earning assets | 0.9995% | 6,144 |
| Net interest margin | 4.9797% | 440 |
| Noninterest income to average assets | 1.0255% | 1,296 |
| Noninterest expense to average assets | 3.8947% | 1,192 |
| Loan and lease loss provision to assets | 3.9702% | 195 |
| Net operating income to assets | -2.3066% | 7,375 |
| Return on assets (ROA) | -2.3066% | 7,387 |
| Pretax return on assets | -2.3066% | 7,319 |
| Return on Equity (ROE) | -30.4919% | 7,441 |
| Retained earnings to average equity (ytd only) | -38.3539% | 7,510 |
| Net charge-offs to loans | 3.0427% | 515 |
| Credit loss provision to net charge-offs | 140.5006% | 2,849 |
| Earnings coverage of net charge-offs (x) | 0.5887% | 5,151 |
| Efficiency ratio | 70.0694% | 4,183 |
| Assets per employee ($millions) | 3.2272% | 5,614 |
| Cash dividends to net income (ytd only)* | -25.7840% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 1,564 |
| Loan loss allowance to noncurrent loans | 20.6824% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 10.8194% | 340 |
| Noncurrent loans to loans | 11.1709% | 351 |
| Net loans and leases to total assets | 91.1279% | 44 |
| Net loans and leases to deposits | 106.5208% | 370 |
| Net loans and leases to core deposits | 114.1585% | 915 |
| Total domestic deposits to total assets | 85.5494% | 3,343 |
| Equity capital to assets | 6.5798% | 7,460 |
| Core capital (leverage) ratio | 6.4452% | 7,395 |
| Tier 1 risk-based capital ratio | 7.5329% | 7,557 |
| Total risk-based capital ratio | 8.7979% | 7,563 |
| Memoranda: | ||
| Average total assets | $124,426,670 | 4,480 |
| Average earning assets | $113,260,330 | 4,469 |
| Average equity | $9,412,330 | 5,374 |
| Average total loans | $115,555,670 | 3,494 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0346% | 166 |
| Cost of funding earning assets | 1.0210% | 6,277 |
| Net interest margin | 6.0136% | 105 |
| Noninterest income to average assets | 1.0597% | 1,132 |
| Noninterest expense to average assets | 3.5971% | 1,741 |
| Loan and lease loss provision to assets | 1.5959% | 724 |
| Net operating income to assets | 1.3373% | 1,206 |
| Return on assets (ROA) | 1.3373% | 1,279 |
| Pretax return on assets | 1.3373% | 1,941 |
| Return on Equity (ROE) | 16.6204% | 641 |
| Retained earnings to average equity (ytd only) | 16.6204% | 302 |
| Net charge-offs to loans | 0.2721% | 3,322 |
| Credit loss provision to net charge-offs | 632.9114% | 691 |
| Earnings coverage of net charge-offs (x) | 11.6329% | 1,633 |
| Efficiency ratio | 55.0831% | 6,878 |
| Assets per employee ($millions) | 3.1949% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 2,105 |
| Loan loss allowance to noncurrent loans | 50.3964% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 3.9903% | 1,720 |
| Noncurrent loans to loans | 4.0285% | 1,939 |
| Net loans and leases to total assets | 91.0892% | 48 |
| Net loans and leases to deposits | 109.2798% | 305 |
| Net loans and leases to core deposits | 115.8829% | 950 |
| Total domestic deposits to total assets | 83.3541% | 4,453 |
| Equity capital to assets | 8.2616% | 6,351 |
| Core capital (leverage) ratio | 8.1675% | 5,964 |
| Tier 1 risk-based capital ratio | 10.1393% | 6,939 |
| Total risk-based capital ratio | 11.4020% | 6,919 |
| Memoranda: | ||
| Average total assets | $125,324,000 | 4,514 |
| Average earning assets | $114,008,500 | 4,515 |
| Average equity | $10,084,000 | 5,213 |
| Average total loans | $116,136,000 | 3,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1054% | 238 |
| Cost of funding earning assets | 1.3821% | 6,008 |
| Net interest margin | 5.7233% | 144 |
| Noninterest income to average assets | 1.2605% | 950 |
| Noninterest expense to average assets | 3.7138% | 1,880 |
| Loan and lease loss provision to assets | 1.8513% | 1,215 |
| Net operating income to assets | 0.8983% | 2,181 |
| Return on assets (ROA) | 0.8983% | 2,249 |
| Pretax return on assets | 0.8983% | 2,929 |
| Return on Equity (ROE) | 11.3143% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.2314% | 1,703 |
| Net charge-offs to loans | 1.5154% | 1,656 |
| Credit loss provision to net charge-offs | 132.1839% | 3,798 |
| Earnings coverage of net charge-offs (x) | 1.9632% | 4,248 |
| Efficiency ratio | 57.4595% | 6,837 |
| Assets per employee ($millions) | 3.3170% | 5,460 |
| Cash dividends to net income (ytd only)* | 53.7634% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 3,052 |
| Loan loss allowance to noncurrent loans | 34.1528% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 4.7276% | 1,339 |
| Noncurrent loans to loans | 4.8565% | 1,409 |
| Net loans and leases to total assets | 90.8320% | 64 |
| Net loans and leases to deposits | 110.0304% | 383 |
| Net loans and leases to core deposits | 138.5788% | 859 |
| Total domestic deposits to total assets | 82.5517% | 4,727 |
| Equity capital to assets | 7.8336% | 6,733 |
| Core capital (leverage) ratio | 7.5578% | 6,730 |
| Tier 1 risk-based capital ratio | 9.5560% | 7,194 |
| Total risk-based capital ratio | 10.8131% | 7,168 |
| Memoranda: | ||
| Average total assets | $124,239,600 | 4,463 |
| Average earning assets | $112,942,600 | 4,480 |
| Average equity | $9,863,600 | 5,337 |
| Average total loans | $114,823,400 | 3,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0508% | 280 |
| Cost of funding earning assets | 1.4346% | 6,104 |
| Net interest margin | 5.6162% | 160 |
| Noninterest income to average assets | 1.3496% | 833 |
| Noninterest expense to average assets | 3.5695% | 2,096 |
| Loan and lease loss provision to assets | 1.4002% | 1,374 |
| Net operating income to assets | 1.4864% | 842 |
| Return on assets (ROA) | 1.4864% | 898 |
| Pretax return on assets | 1.4864% | 1,459 |
| Return on Equity (ROE) | 18.6589% | 387 |
| Retained earnings to average equity (ytd only) | 11.8984% | 354 |
| Net charge-offs to loans | 0.4358% | 3,498 |
| Credit loss provision to net charge-offs | 347.5936% | 1,180 |
| Earnings coverage of net charge-offs (x) | 7.1658% | 2,459 |
| Efficiency ratio | 55.2886% | 7,090 |
| Assets per employee ($millions) | 3.4334% | 5,091 |
| Cash dividends to net income (ytd only)* | 36.2320% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,852 |
| Loan loss allowance to noncurrent loans | 64.1799% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 3.1424% | 2,175 |
| Noncurrent loans to loans | 3.0816% | 2,452 |
| Net loans and leases to total assets | 92.1069% | 53 |
| Net loans and leases to deposits | 110.6473% | 441 |
| Net loans and leases to core deposits | 135.3831% | 1,133 |
| Total domestic deposits to total assets | 83.2437% | 4,089 |
| Equity capital to assets | 8.2839% | 6,525 |
| Core capital (leverage) ratio | 8.2632% | 5,898 |
| Tier 1 risk-based capital ratio | 9.5031% | 7,370 |
| Total risk-based capital ratio | 10.7644% | 7,329 |
| Memoranda: | ||
| Average total assets | $123,787,750 | 4,508 |
| Average earning assets | $112,552,250 | 4,527 |
| Average equity | $9,861,000 | 5,373 |
| Average total loans | $114,423,750 | 3,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0392% | 300 |
| Cost of funding earning assets | 1.4985% | 6,148 |
| Net interest margin | 5.5407% | 176 |
| Noninterest income to average assets | 1.4501% | 710 |
| Noninterest expense to average assets | 3.4542% | 2,484 |
| Loan and lease loss provision to assets | 1.2919% | 1,327 |
| Net operating income to assets | 1.7198% | 538 |
| Return on assets (ROA) | 1.7198% | 588 |
| Pretax return on assets | 1.7198% | 978 |
| Return on Equity (ROE) | 21.8798% | 243 |
| Retained earnings to average equity (ytd only) | 16.7437% | 142 |
| Net charge-offs to loans | 0.0404% | 5,905 |
| Credit loss provision to net charge-offs | 3,478.2609% | 138 |
| Earnings coverage of net charge-offs (x) | 81.0870% | 474 |
| Efficiency ratio | 53.4216% | 7,394 |
| Assets per employee ($millions) | 3.5774% | 4,629 |
| Cash dividends to net income (ytd only)* | 23.4742% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 1,802 |
| Loan loss allowance to noncurrent loans | 64.0346% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.9647% | 2,150 |
| Noncurrent loans to loans | 2.9623% | 2,436 |
| Net loans and leases to total assets | 91.3764% | 78 |
| Net loans and leases to deposits | 105.3288% | 808 |
| Net loans and leases to core deposits | 130.5307% | 1,518 |
| Total domestic deposits to total assets | 86.7535% | 2,376 |
| Equity capital to assets | 8.3646% | 6,247 |
| Core capital (leverage) ratio | 8.3094% | 5,782 |
| Tier 1 risk-based capital ratio | 9.7452% | 7,189 |
| Total risk-based capital ratio | 11.0048% | 7,120 |
| Memoranda: | ||
| Average total assets | $123,850,000 | 4,536 |
| Average earning assets | $112,115,670 | 4,567 |
| Average equity | $9,735,000 | 5,442 |
| Average total loans | $113,851,000 | 3,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9665% | 366 |
| Cost of funding earning assets | 1.5418% | 6,271 |
| Net interest margin | 5.4247% | 194 |
| Noninterest income to average assets | 1.0435% | 1,368 |
| Noninterest expense to average assets | 3.2491% | 2,800 |
| Loan and lease loss provision to assets | 1.2804% | 1,000 |
| Net operating income to assets | 1.4021% | 1,135 |
| Return on assets (ROA) | 1.4021% | 1,222 |
| Pretax return on assets | 1.4021% | 1,962 |
| Return on Equity (ROE) | 18.4121% | 561 |
| Retained earnings to average equity (ytd only) | 13.1575% | 614 |
| Net charge-offs to loans | 0.0736% | 4,450 |
| Credit loss provision to net charge-offs | 1,904.7619% | 334 |
| Earnings coverage of net charge-offs (x) | 39.9048% | 853 |
| Efficiency ratio | 54.7760% | 7,136 |
| Assets per employee ($millions) | 3.2251% | 5,536 |
| Cash dividends to net income (ytd only)* | 28.5388% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,746 |
| Loan loss allowance to noncurrent loans | 53.0303% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.8967% | 1,966 |
| Noncurrent loans to loans | 2.9089% | 2,249 |
| Net loans and leases to total assets | 91.1393% | 90 |
| Net loans and leases to deposits | 106.6566% | 818 |
| Net loans and leases to core deposits | 133.6404% | 1,434 |
| Total domestic deposits to total assets | 85.4512% | 2,990 |
| Equity capital to assets | 7.8921% | 6,963 |
| Core capital (leverage) ratio | 7.8185% | 6,725 |
| Tier 1 risk-based capital ratio | 9.0835% | 7,742 |
| Total risk-based capital ratio | 10.3382% | 7,758 |
| Memoranda: | ||
| Average total assets | $124,959,000 | 4,521 |
| Average earning assets | $112,596,000 | 4,570 |
| Average equity | $9,515,500 | 5,531 |
| Average total loans | $114,130,500 | 3,696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1887% | 152 |
| Cost of funding earning assets | 1.9302% | 6,642 |
| Net interest margin | 6.2586% | 88 |
| Noninterest income to average assets | 1.2257% | 989 |
| Noninterest expense to average assets | 3.6896% | 1,970 |
| Loan and lease loss provision to assets | 0.8623% | 1,732 |
| Net operating income to assets | 2.2982% | 196 |
| Return on assets (ROA) | 2.2982% | 189 |
| Pretax return on assets | 2.2982% | 313 |
| Return on Equity (ROE) | 28.6866% | 78 |
| Retained earnings to average equity (ytd only) | 3.4861% | 2,970 |
| Net charge-offs to loans | 0.8530% | 1,473 |
| Credit loss provision to net charge-offs | 111.0509% | 4,858 |
| Earnings coverage of net charge-offs (x) | 4.0704% | 4,116 |
| Efficiency ratio | 53.8622% | 7,278 |
| Assets per employee ($millions) | 3.1841% | 5,529 |
| Cash dividends to net income (ytd only)* | 87.8477% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,579 |
| Loan loss allowance to noncurrent loans | 38.0833% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.0228% | 1,518 |
| Noncurrent loans to loans | 3.1354% | 1,684 |
| Net loans and leases to total assets | 89.0716% | 275 |
| Net loans and leases to deposits | 105.6688% | 1,155 |
| Net loans and leases to core deposits | 126.8304% | 2,095 |
| Total domestic deposits to total assets | 84.2932% | 3,179 |
| Equity capital to assets | 7.3482% | 7,514 |
| Core capital (leverage) ratio | 7.7475% | 6,867 |
| Tier 1 risk-based capital ratio | 8.5392% | 7,980 |
| Total risk-based capital ratio | 9.7892% | 8,041 |
| Memoranda: | ||
| Average total assets | $118,873,200 | 4,552 |
| Average earning assets | $106,829,800 | 4,597 |
| Average equity | $9,523,600 | 5,563 |
| Average total loans | $108,202,600 | 3,735 |