Home > First Cherokee State Bank > Performance and Condition Ratios
First Cherokee State Bank, Performance and Condition Ratios
| 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 | 4.8664% | 2,246 |
| Cost of funding earning assets | 1.4293% | 315 |
| Net interest margin | 3.4371% | 4,939 |
| Noninterest income to average assets | 0.9132% | 1,734 |
| Noninterest expense to average assets | 5.8603% | 230 |
| Loan and lease loss provision to assets | 2.2046% | 114 |
| Net operating income to assets | -4.3266% | 7,200 |
| Return on assets (ROA) | -4.2330% | 7,199 |
| Pretax return on assets | -4.2330% | 7,197 |
| Return on Equity (ROE) | -347.7697% | 7,241 |
| Retained earnings to average equity (ytd only) | -347.7697% | 7,241 |
| Net charge-offs to loans | 2.3542% | 312 |
| Credit loss provision to net charge-offs | 146.6422% | 1,891 |
| Earnings coverage of net charge-offs (x) | -1.4115% | 5,347 |
| Efficiency ratio | 156.7641% | 92 |
| Assets per employee ($millions) | 3.8004% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1299% | 688 |
| Loan loss allowance to noncurrent loans | 35.6581% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 15.0162% | 99 |
| Noncurrent loans to loans | 8.7775% | 360 |
| Net loans and leases to total assets | 61.0939% | 3,611 |
| Net loans and leases to deposits | 70.1204% | 3,875 |
| Net loans and leases to core deposits | 71.3661% | 4,374 |
| Total domestic deposits to total assets | 87.1271% | 2,701 |
| Equity capital to assets | 0.1507% | 7,240 |
| Core capital (leverage) ratio | 0.0941% | 7,242 |
| Tier 1 risk-based capital ratio | 0.1385% | 7,242 |
| Total risk-based capital ratio | 0.2770% | 7,242 |
| Memoranda: | ||
| Average total assets | $217,906,670 | 2,890 |
| Average earning assets | $179,106,000 | 3,146 |
| Average equity | $2,652,330 | 6,977 |
| Average total loans | $139,154,000 | 2,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 2,462 |
| Cost of funding earning assets | 1.4478% | 355 |
| Net interest margin | 3.3965% | 5,141 |
| Noninterest income to average assets | 0.8509% | 1,943 |
| Noninterest expense to average assets | 4.9490% | 377 |
| Loan and lease loss provision to assets | 2.8100% | 81 |
| Net operating income to assets | -4.1142% | 7,260 |
| Return on assets (ROA) | -3.9307% | 7,254 |
| Pretax return on assets | -3.9307% | 7,247 |
| Return on Equity (ROE) | -228.7359% | 7,290 |
| Retained earnings to average equity (ytd only) | -228.7359% | 7,288 |
| Net charge-offs to loans | -0.2017% | 6,993 |
| Credit loss provision to net charge-offs | -2,169.4444% | 6,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.7848% | 149 |
| Assets per employee ($millions) | 3.4801% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5488% | 518 |
| Loan loss allowance to noncurrent loans | 37.0953% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 15.5109% | 97 |
| Noncurrent loans to loans | 9.5668% | 332 |
| Net loans and leases to total assets | 60.9634% | 3,458 |
| Net loans and leases to deposits | 70.2500% | 3,701 |
| Net loans and leases to core deposits | 73.3699% | 3,975 |
| Total domestic deposits to total assets | 86.7807% | 3,080 |
| Equity capital to assets | 1.2212% | 7,298 |
| Core capital (leverage) ratio | 1.1800% | 7,299 |
| Tier 1 risk-based capital ratio | 1.6601% | 7,299 |
| Total risk-based capital ratio | 2.9335% | 7,298 |
| Memoranda: | ||
| Average total assets | $222,349,500 | 2,859 |
| Average earning assets | $182,893,500 | 3,112 |
| Average equity | $3,821,000 | 6,772 |
| Average total loans | $142,818,500 | 2,740 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 4,039 |
| Cost of funding earning assets | 1.6077% | 465 |
| Net interest margin | 3.1409% | 6,247 |
| Noninterest income to average assets | -0.1651% | 7,144 |
| Noninterest expense to average assets | 5.1197% | 355 |
| Loan and lease loss provision to assets | 0.6164% | 1,674 |
| Net operating income to assets | -3.3206% | 7,211 |
| Return on assets (ROA) | -3.2565% | 7,212 |
| Pretax return on assets | -3.2565% | 7,213 |
| Return on Equity (ROE) | -101.1253% | 7,311 |
| Retained earnings to average equity (ytd only) | -101.1253% | 7,311 |
| Net charge-offs to loans | 1.6118% | 977 |
| Credit loss provision to net charge-offs | 60.6678% | 5,151 |
| Earnings coverage of net charge-offs (x) | -2.6616% | 6,310 |
| Efficiency ratio | 211.9541% | 50 |
| Assets per employee ($millions) | 3.4150% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3209% | 1,592 |
| Loan loss allowance to noncurrent loans | 22.5683% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 16.4530% | 90 |
| Noncurrent loans to loans | 10.2838% | 298 |
| Net loans and leases to total assets | 63.7454% | 3,246 |
| Net loans and leases to deposits | 74.3278% | 3,445 |
| Net loans and leases to core deposits | 77.6654% | 3,724 |
| Total domestic deposits to total assets | 85.7626% | 3,452 |
| Equity capital to assets | 2.2174% | 7,312 |
| Core capital (leverage) ratio | 2.1011% | 7,315 |
| Tier 1 risk-based capital ratio | 2.9247% | 7,318 |
| Total risk-based capital ratio | 4.1846% | 7,319 |
| Memoranda: | ||
| Average total assets | $241,732,600 | 2,618 |
| Average earning assets | $198,608,200 | 2,873 |
| Average equity | $7,784,400 | 5,633 |
| Average total loans | $152,380,200 | 2,610 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 4,471 |
| Cost of funding earning assets | 1.6324% | 510 |
| Net interest margin | 3.0675% | 6,454 |
| Noninterest income to average assets | -0.5113% | 7,357 |
| Noninterest expense to average assets | 4.8981% | 410 |
| Loan and lease loss provision to assets | 0.5027% | 1,967 |
| Net operating income to assets | -3.3923% | 7,298 |
| Return on assets (ROA) | -3.3085% | 7,298 |
| Pretax return on assets | -3.3085% | 7,293 |
| Return on Equity (ROE) | -96.0133% | 7,376 |
| Retained earnings to average equity (ytd only) | -96.0133% | 7,376 |
| Net charge-offs to loans | 1.2896% | 1,200 |
| Credit loss provision to net charge-offs | 62.3324% | 4,736 |
| Earnings coverage of net charge-offs (x) | -3.5831% | 6,077 |
| Efficiency ratio | 243.8644% | 30 |
| Assets per employee ($millions) | 3.6457% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5315% | 1,352 |
| Loan loss allowance to noncurrent loans | 20.6492% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 16.3842% | 100 |
| Noncurrent loans to loans | 12.2594% | 225 |
| Net loans and leases to total assets | 59.3636% | 4,259 |
| Net loans and leases to deposits | 68.5947% | 4,507 |
| Net loans and leases to core deposits | 71.3528% | 4,798 |
| Total domestic deposits to total assets | 86.5426% | 2,912 |
| Equity capital to assets | 2.3635% | 7,385 |
| Core capital (leverage) ratio | 2.3309% | 7,382 |
| Tier 1 risk-based capital ratio | 3.3453% | 7,384 |
| Total risk-based capital ratio | 4.6072% | 7,386 |
| Memoranda: | ||
| Average total assets | $246,672,750 | 2,569 |
| Average earning assets | $202,636,250 | 2,823 |
| Average equity | $8,500,000 | 5,432 |
| Average total loans | $154,260,500 | 2,604 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 4,428 |
| Cost of funding earning assets | 1.6866% | 490 |
| Net interest margin | 3.0371% | 6,534 |
| Noninterest income to average assets | 0.7096% | 2,504 |
| Noninterest expense to average assets | 4.7552% | 456 |
| Loan and lease loss provision to assets | 0.7516% | 1,240 |
| Net operating income to assets | -2.3146% | 7,244 |
| Return on assets (ROA) | -2.3065% | 7,245 |
| Pretax return on assets | -2.3065% | 7,224 |
| Return on Equity (ROE) | -60.6653% | 7,374 |
| Retained earnings to average equity (ytd only) | -60.6653% | 7,371 |
| Net charge-offs to loans | 1.5914% | 923 |
| Credit loss provision to net charge-offs | 74.8792% | 3,923 |
| Earnings coverage of net charge-offs (x) | -1.5572% | 5,688 |
| Efficiency ratio | 148.9620% | 161 |
| Assets per employee ($millions) | 3.7538% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6392% | 1,257 |
| Loan loss allowance to noncurrent loans | 22.8949% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 16.9445% | 110 |
| Noncurrent loans to loans | 11.5274% | 286 |
| Net loans and leases to total assets | 60.7190% | 4,141 |
| Net loans and leases to deposits | 71.2338% | 4,252 |
| Net loans and leases to core deposits | 74.8749% | 4,459 |
| Total domestic deposits to total assets | 85.2391% | 3,761 |
| Equity capital to assets | 3.6738% | 7,407 |
| Core capital (leverage) ratio | 3.5873% | 7,399 |
| Tier 1 risk-based capital ratio | 5.1012% | 7,397 |
| Total risk-based capital ratio | 6.3640% | 7,397 |
| Memoranda: | ||
| Average total assets | $247,477,330 | 2,577 |
| Average earning assets | $202,299,000 | 2,844 |
| Average equity | $9,409,000 | 5,210 |
| Average total loans | $156,091,670 | 2,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 4,656 |
| Cost of funding earning assets | 1.7508% | 443 |
| Net interest margin | 2.9161% | 6,732 |
| Noninterest income to average assets | 0.5040% | 3,854 |
| Noninterest expense to average assets | 4.7910% | 437 |
| Loan and lease loss provision to assets | 1.4927% | 433 |
| Net operating income to assets | -3.4059% | 7,419 |
| Return on assets (ROA) | -3.4059% | 7,421 |
| Pretax return on assets | -3.4059% | 7,407 |
| Return on Equity (ROE) | -88.1275% | 7,489 |
| Retained earnings to average equity (ytd only) | -88.1275% | 7,482 |
| Net charge-offs to loans | 3.0192% | 361 |
| Credit loss provision to net charge-offs | 77.9547% | 3,197 |
| Earnings coverage of net charge-offs (x) | -0.9992% | 4,894 |
| Efficiency ratio | 166.4808% | 102 |
| Assets per employee ($millions) | 4.1710% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6086% | 1,302 |
| Loan loss allowance to noncurrent loans | 25.3540% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 15.9378% | 138 |
| Noncurrent loans to loans | 10.2889% | 383 |
| Net loans and leases to total assets | 60.6419% | 4,144 |
| Net loans and leases to deposits | 70.9223% | 4,204 |
| Net loans and leases to core deposits | 82.1264% | 3,436 |
| Total domestic deposits to total assets | 85.5047% | 3,780 |
| Equity capital to assets | 3.6518% | 7,461 |
| Core capital (leverage) ratio | 3.8630% | 7,449 |
| Tier 1 risk-based capital ratio | 5.4266% | 7,442 |
| Total risk-based capital ratio | 6.6895% | 7,442 |
| Memoranda: | ||
| Average total assets | $249,218,000 | 2,579 |
| Average earning assets | $202,873,500 | 2,861 |
| Average equity | $9,631,500 | 5,140 |
| Average total loans | $158,053,500 | 2,593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 5,080 |
| Cost of funding earning assets | 2.0038% | 602 |
| Net interest margin | 2.8867% | 6,914 |
| Noninterest income to average assets | 0.4835% | 4,296 |
| Noninterest expense to average assets | 4.5249% | 634 |
| Loan and lease loss provision to assets | 0.4694% | 3,316 |
| Net operating income to assets | -2.1378% | 7,091 |
| Return on assets (ROA) | -2.1025% | 7,095 |
| Pretax return on assets | -2.1025% | 7,057 |
| Return on Equity (ROE) | -48.2290% | 7,410 |
| Retained earnings to average equity (ytd only) | -48.2290% | 7,407 |
| Net charge-offs to loans | 3.0348% | 537 |
| Credit loss provision to net charge-offs | 23.6188% | 6,534 |
| Earnings coverage of net charge-offs (x) | -0.8396% | 6,564 |
| Efficiency ratio | 157.7488% | 174 |
| Assets per employee ($millions) | 4.5958% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7003% | 1,169 |
| Loan loss allowance to noncurrent loans | 23.7242% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 17.8914% | 96 |
| Noncurrent loans to loans | 11.3820% | 329 |
| Net loans and leases to total assets | 62.8391% | 4,103 |
| Net loans and leases to deposits | 73.6942% | 4,246 |
| Net loans and leases to core deposits | 88.9487% | 2,910 |
| Total domestic deposits to total assets | 85.2701% | 3,727 |
| Equity capital to assets | 4.0794% | 7,504 |
| Core capital (leverage) ratio | 4.2353% | 7,481 |
| Tier 1 risk-based capital ratio | 5.7677% | 7,490 |
| Total risk-based capital ratio | 7.0314% | 7,495 |
| Memoranda: | ||
| Average total assets | $255,032,200 | 2,500 |
| Average earning assets | $209,650,800 | 2,761 |
| Average equity | $11,117,800 | 4,837 |
| Average total loans | $166,994,000 | 2,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 5,259 |
| Cost of funding earning assets | 2.0451% | 652 |
| Net interest margin | 2.8564% | 7,069 |
| Noninterest income to average assets | 0.7369% | 2,598 |
| Noninterest expense to average assets | 4.4307% | 644 |
| Loan and lease loss provision to assets | 0.2264% | 4,808 |
| Net operating income to assets | -1.5636% | 7,122 |
| Return on assets (ROA) | -1.5169% | 7,122 |
| Pretax return on assets | -1.5169% | 7,044 |
| Return on Equity (ROE) | -34.2643% | 7,448 |
| Retained earnings to average equity (ytd only) | -34.2643% | 7,444 |
| Net charge-offs to loans | 2.7777% | 585 |
| Credit loss provision to net charge-offs | 12.4075% | 6,315 |
| Earnings coverage of net charge-offs (x) | -0.7328% | 6,399 |
| Efficiency ratio | 143.2265% | 233 |
| Assets per employee ($millions) | 4.7854% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1816% | 709 |
| Loan loss allowance to noncurrent loans | 23.6252% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 20.0091% | 62 |
| Noncurrent loans to loans | 13.4671% | 209 |
| Net loans and leases to total assets | 62.6237% | 4,402 |
| Net loans and leases to deposits | 74.0072% | 4,509 |
| Net loans and leases to core deposits | 87.9062% | 3,381 |
| Total domestic deposits to total assets | 84.6184% | 3,820 |
| Equity capital to assets | 4.7070% | 7,600 |
| Core capital (leverage) ratio | 4.8025% | 7,566 |
| Tier 1 risk-based capital ratio | 6.3871% | 7,589 |
| Total risk-based capital ratio | 7.6556% | 7,590 |
| Memoranda: | ||
| Average total assets | $256,746,500 | 2,519 |
| Average earning assets | $211,820,750 | 2,770 |
| Average equity | $11,366,250 | 4,846 |
| Average total loans | $168,672,750 | 2,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 5,389 |
| Cost of funding earning assets | 2.1137% | 627 |
| Net interest margin | 2.7852% | 7,162 |
| Noninterest income to average assets | 0.8435% | 1,906 |
| Noninterest expense to average assets | 4.5909% | 522 |
| Loan and lease loss provision to assets | 0.1442% | 5,457 |
| Net operating income to assets | -1.5791% | 7,181 |
| Return on assets (ROA) | -1.5791% | 7,192 |
| Pretax return on assets | -1.5791% | 7,109 |
| Return on Equity (ROE) | -36.4067% | 7,503 |
| Retained earnings to average equity (ytd only) | -36.4067% | 7,493 |
| Net charge-offs to loans | 3.6988% | 376 |
| Credit loss provision to net charge-offs | 5.9046% | 5,977 |
| Earnings coverage of net charge-offs (x) | -0.5876% | 6,040 |
| Efficiency ratio | 145.4679% | 225 |
| Assets per employee ($millions) | 4.6185% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1718% | 717 |
| Loan loss allowance to noncurrent loans | 26.8924% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 19.0305% | 68 |
| Noncurrent loans to loans | 11.7944% | 301 |
| Net loans and leases to total assets | 63.8833% | 4,289 |
| Net loans and leases to deposits | 75.5919% | 4,404 |
| Net loans and leases to core deposits | 94.7697% | 2,610 |
| Total domestic deposits to total assets | 84.5108% | 3,866 |
| Equity capital to assets | 4.8416% | 7,648 |
| Core capital (leverage) ratio | 4.7576% | 7,628 |
| Tier 1 risk-based capital ratio | 6.3115% | 7,646 |
| Total risk-based capital ratio | 7.5801% | 7,649 |
| Memoranda: | ||
| Average total assets | $259,381,330 | 2,512 |
| Average earning assets | $215,355,000 | 2,741 |
| Average equity | $11,250,670 | 4,867 |
| Average total loans | $171,245,330 | 2,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 6,068 |
| Cost of funding earning assets | 2.1830% | 625 |
| Net interest margin | 2.5679% | 7,414 |
| Noninterest income to average assets | 0.8700% | 1,733 |
| Noninterest expense to average assets | 3.8052% | 1,325 |
| Loan and lease loss provision to assets | 0.2814% | 3,779 |
| Net operating income to assets | -1.0561% | 7,141 |
| Return on assets (ROA) | -1.0561% | 7,159 |
| Pretax return on assets | -1.0561% | 7,077 |
| Return on Equity (ROE) | -25.7600% | 7,512 |
| Retained earnings to average equity (ytd only) | -25.7600% | 7,473 |
| Net charge-offs to loans | 6.8089% | 147 |
| Credit loss provision to net charge-offs | 6.2584% | 5,089 |
| Earnings coverage of net charge-offs (x) | -0.1723% | 5,151 |
| Efficiency ratio | 125.5617% | 387 |
| Assets per employee ($millions) | 4.7059% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1720% | 712 |
| Loan loss allowance to noncurrent loans | 25.1615% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 18.3779% | 78 |
| Noncurrent loans to loans | 12.6064% | 264 |
| Net loans and leases to total assets | 65.0237% | 4,098 |
| Net loans and leases to deposits | 76.0485% | 4,404 |
| Net loans and leases to core deposits | 100.8927% | 2,042 |
| Total domestic deposits to total assets | 85.5030% | 3,413 |
| Equity capital to assets | 4.2271% | 7,778 |
| Core capital (leverage) ratio | 4.0863% | 7,774 |
| Tier 1 risk-based capital ratio | 5.6957% | 7,762 |
| Total risk-based capital ratio | 6.9647% | 7,765 |
| Memoranda: | ||
| Average total assets | $264,372,000 | 2,524 |
| Average earning assets | $222,442,500 | 2,709 |
| Average equity | $10,838,500 | 5,016 |
| Average total loans | $174,596,000 | 2,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 7,131 |
| Cost of funding earning assets | 2.4835% | 1,060 |
| Net interest margin | 2.2218% | 7,638 |
| Noninterest income to average assets | -0.8960% | 7,983 |
| Noninterest expense to average assets | 3.1724% | 3,468 |
| Loan and lease loss provision to assets | 1.7704% | 1,282 |
| Net operating income to assets | -3.9543% | 7,598 |
| Return on assets (ROA) | -3.9207% | 7,590 |
| Pretax return on assets | -3.9207% | 7,506 |
| Return on Equity (ROE) | -72.9353% | 7,825 |
| Retained earnings to average equity (ytd only) | -72.9353% | 7,822 |
| Net charge-offs to loans | 2.1609% | 1,114 |
| Credit loss provision to net charge-offs | 126.2141% | 4,131 |
| Earnings coverage of net charge-offs (x) | -1.5569% | 6,966 |
| Efficiency ratio | 320.9119% | 59 |
| Assets per employee ($millions) | 4.9040% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5922% | 234 |
| Loan loss allowance to noncurrent loans | 30.0936% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 18.3441% | 77 |
| Noncurrent loans to loans | 15.2599% | 165 |
| Net loans and leases to total assets | 62.0272% | 4,985 |
| Net loans and leases to deposits | 74.6396% | 4,932 |
| Net loans and leases to core deposits | 107.1105% | 3,207 |
| Total domestic deposits to total assets | 83.1023% | 4,481 |
| Equity capital to assets | 3.9818% | 7,860 |
| Core capital (leverage) ratio | 4.0973% | 7,836 |
| Tier 1 risk-based capital ratio | 5.8724% | 7,821 |
| Total risk-based capital ratio | 7.1579% | 7,823 |
| Memoranda: | ||
| Average total assets | $295,073,400 | 2,245 |
| Average earning assets | $250,291,600 | 2,397 |
| Average equity | $15,862,000 | 3,892 |
| Average total loans | $191,544,000 | 2,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 7,200 |
| Cost of funding earning assets | 2.4875% | 1,346 |
| Net interest margin | 2.2654% | 7,680 |
| Noninterest income to average assets | -0.1555% | 7,952 |
| Noninterest expense to average assets | 2.7995% | 4,904 |
| Loan and lease loss provision to assets | 1.0615% | 1,827 |
| Net operating income to assets | -2.0960% | 7,356 |
| Return on assets (ROA) | -2.0516% | 7,339 |
| Pretax return on assets | -2.0516% | 7,206 |
| Return on Equity (ROE) | -36.0278% | 7,715 |
| Retained earnings to average equity (ytd only) | -36.0278% | 7,706 |
| Net charge-offs to loans | 2.1287% | 909 |
| Credit loss provision to net charge-offs | 76.8489% | 5,840 |
| Earnings coverage of net charge-offs (x) | -0.7489% | 6,578 |
| Efficiency ratio | 158.6059% | 274 |
| Assets per employee ($millions) | 5.1805% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4602% | 434 |
| Loan loss allowance to noncurrent loans | 30.3076% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 16.4549% | 91 |
| Noncurrent loans to loans | 11.4171% | 304 |
| Net loans and leases to total assets | 62.6098% | 5,137 |
| Net loans and leases to deposits | 76.3971% | 4,973 |
| Net loans and leases to core deposits | 106.7641% | 3,614 |
| Total domestic deposits to total assets | 81.9531% | 4,694 |
| Equity capital to assets | 5.6482% | 7,902 |
| Core capital (leverage) ratio | 5.5002% | 7,869 |
| Tier 1 risk-based capital ratio | 7.6664% | 7,837 |
| Total risk-based capital ratio | 8.9384% | 7,841 |
| Memoranda: | ||
| Average total assets | $300,186,000 | 2,226 |
| Average earning assets | $254,493,250 | 2,387 |
| Average equity | $17,093,750 | 3,682 |
| Average total loans | $194,795,000 | 2,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 7,307 |
| Cost of funding earning assets | 2.5378% | 1,485 |
| Net interest margin | 2.2159% | 7,742 |
| Noninterest income to average assets | 0.2581% | 6,431 |
| Noninterest expense to average assets | 2.4005% | 6,456 |
| Loan and lease loss provision to assets | 0.4357% | 3,376 |
| Net operating income to assets | -0.6971% | 6,747 |
| Return on assets (ROA) | -0.6250% | 6,684 |
| Pretax return on assets | -0.6250% | 6,550 |
| Return on Equity (ROE) | -10.9483% | 7,106 |
| Retained earnings to average equity (ytd only) | -10.9483% | 6,965 |
| Net charge-offs to loans | 2.0259% | 912 |
| Credit loss provision to net charge-offs | 33.1340% | 5,990 |
| Earnings coverage of net charge-offs (x) | -0.1988% | 5,885 |
| Efficiency ratio | 112.2205% | 791 |
| Assets per employee ($millions) | 5.4519% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0243% | 560 |
| Loan loss allowance to noncurrent loans | 33.6168% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 14.7820% | 103 |
| Noncurrent loans to loans | 8.9963% | 439 |
| Net loans and leases to total assets | 61.7255% | 5,402 |
| Net loans and leases to deposits | 75.5116% | 5,241 |
| Net loans and leases to core deposits | 108.3623% | 3,570 |
| Total domestic deposits to total assets | 81.7430% | 4,799 |
| Equity capital to assets | 6.3912% | 7,842 |
| Core capital (leverage) ratio | 6.5356% | 7,780 |
| Tier 1 risk-based capital ratio | 9.0824% | 7,649 |
| Total risk-based capital ratio | 10.3496% | 7,651 |
| Memoranda: | ||
| Average total assets | $305,273,000 | 2,227 |
| Average earning assets | $259,121,670 | 2,359 |
| Average equity | $17,427,330 | 3,635 |
| Average total loans | $198,131,670 | 2,373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 7,003 |
| Cost of funding earning assets | 2.6197% | 1,500 |
| Net interest margin | 2.3534% | 7,668 |
| Noninterest income to average assets | 0.3727% | 5,442 |
| Noninterest expense to average assets | 3.6314% | 1,793 |
| Loan and lease loss provision to assets | 0.3052% | 3,506 |
| Net operating income to assets | -1.5663% | 7,527 |
| Return on assets (ROA) | -1.5248% | 7,506 |
| Pretax return on assets | -1.5248% | 7,371 |
| Return on Equity (ROE) | -28.3592% | 7,893 |
| Retained earnings to average equity (ytd only) | -28.3592% | 7,836 |
| Net charge-offs to loans | 0.1011% | 4,166 |
| Credit loss provision to net charge-offs | 460.7843% | 1,157 |
| Earnings coverage of net charge-offs (x) | -19.0392% | 5,661 |
| Efficiency ratio | 153.2055% | 337 |
| Assets per employee ($millions) | 5.4866% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6679% | 282 |
| Loan loss allowance to noncurrent loans | 60.1005% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 12.2145% | 134 |
| Noncurrent loans to loans | 6.1029% | 775 |
| Net loans and leases to total assets | 61.2891% | 5,448 |
| Net loans and leases to deposits | 73.9531% | 5,485 |
| Net loans and leases to core deposits | 99.6936% | 4,566 |
| Total domestic deposits to total assets | 82.8757% | 4,207 |
| Equity capital to assets | 5.0397% | 8,114 |
| Core capital (leverage) ratio | 5.2473% | 8,105 |
| Tier 1 risk-based capital ratio | 6.9140% | 8,104 |
| Total risk-based capital ratio | 8.1868% | 8,108 |
| Memoranda: | ||
| Average total assets | $307,983,500 | 2,227 |
| Average earning assets | $261,408,000 | 2,353 |
| Average equity | $16,559,000 | 3,828 |
| Average total loans | $201,769,000 | 2,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 5,807 |
| Cost of funding earning assets | 3.0150% | 1,819 |
| Net interest margin | 2.9365% | 7,059 |
| Noninterest income to average assets | 0.0612% | 7,841 |
| Noninterest expense to average assets | 3.7790% | 1,794 |
| Loan and lease loss provision to assets | 2.5898% | 397 |
| Net operating income to assets | -3.6993% | 7,941 |
| Return on assets (ROA) | -3.6678% | 7,915 |
| Pretax return on assets | -3.6678% | 7,839 |
| Return on Equity (ROE) | -45.1745% | 8,121 |
| Retained earnings to average equity (ytd only) | -48.4628% | 8,126 |
| Net charge-offs to loans | 2.0795% | 513 |
| Credit loss provision to net charge-offs | 165.3838% | 3,111 |
| Earnings coverage of net charge-offs (x) | -0.7085% | 6,547 |
| Efficiency ratio | 141.5584% | 390 |
| Assets per employee ($millions) | 4.6651% | 2,376 |
| Cash dividends to net income (ytd only)* | -7.2792% | 7,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4776% | 280 |
| Loan loss allowance to noncurrent loans | 54.9556% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 12.7451% | 91 |
| Noncurrent loans to loans | 6.3280% | 523 |
| Net loans and leases to total assets | 65.1164% | 5,030 |
| Net loans and leases to deposits | 79.6323% | 5,110 |
| Net loans and leases to core deposits | 117.4791% | 2,950 |
| Total domestic deposits to total assets | 81.7713% | 4,286 |
| Equity capital to assets | 5.7240% | 8,104 |
| Core capital (leverage) ratio | 5.6015% | 8,148 |
| Tier 1 risk-based capital ratio | 7.3012% | 8,150 |
| Total risk-based capital ratio | 8.5723% | 8,166 |
| Memoranda: | ||
| Average total assets | $308,628,000 | 2,159 |
| Average earning assets | $274,131,800 | 2,204 |
| Average equity | $25,058,400 | 2,633 |
| Average total loans | $232,416,000 | 2,033 |