Home > First Commercial Bank > Performance and Condition Ratios
First Commercial 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 | 4.7100% | 2,873 |
| Cost of funding earning assets | 1.7747% | 76 |
| Net interest margin | 2.9353% | 6,368 |
| Noninterest income to average assets | -1.5715% | 7,232 |
| Noninterest expense to average assets | 2.2003% | 6,010 |
| Loan and lease loss provision to assets | 2.1308% | 124 |
| Net operating income to assets | -3.2810% | 7,168 |
| Return on assets (ROA) | -3.2810% | 7,168 |
| Pretax return on assets | -3.2810% | 7,159 |
| Return on Equity (ROE) | -137.1935% | 7,219 |
| Retained earnings to average equity (ytd only) | -137.1935% | 7,217 |
| Net charge-offs to loans | 3.8380% | 121 |
| Credit loss provision to net charge-offs | 68.0104% | 3,615 |
| Earnings coverage of net charge-offs (x) | -0.3671% | 5,204 |
| Efficiency ratio | 209.5361% | 36 |
| Assets per employee ($millions) | 10.7934% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8250% | 388 |
| Loan loss allowance to noncurrent loans | 26.7374% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 21.0171% | 34 |
| Noncurrent loans to loans | 14.3057% | 111 |
| Net loans and leases to total assets | 77.2142% | 811 |
| Net loans and leases to deposits | 80.5961% | 2,298 |
| Net loans and leases to core deposits | 81.5053% | 3,021 |
| Total domestic deposits to total assets | 95.8039% | 38 |
| Equity capital to assets | 1.4583% | 7,231 |
| Core capital (leverage) ratio | 1.4034% | 7,233 |
| Tier 1 risk-based capital ratio | 1.8080% | 7,235 |
| Total risk-based capital ratio | 3.0895% | 7,235 |
| Memoranda: | ||
| Average total assets | $221,699,000 | 2,850 |
| Average earning assets | $198,003,000 | 2,897 |
| Average equity | $5,302,000 | 6,303 |
| Average total loans | $180,980,670 | 2,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 2,184 |
| Cost of funding earning assets | 1.8908% | 61 |
| Net interest margin | 3.0244% | 6,239 |
| Noninterest income to average assets | -0.1068% | 7,172 |
| Noninterest expense to average assets | 2.1584% | 6,134 |
| Loan and lease loss provision to assets | 1.7969% | 177 |
| Net operating income to assets | -1.3588% | 7,066 |
| Return on assets (ROA) | -1.3588% | 7,079 |
| Pretax return on assets | -1.3588% | 7,058 |
| Return on Equity (ROE) | -47.8445% | 7,220 |
| Retained earnings to average equity (ytd only) | -47.8445% | 7,207 |
| Net charge-offs to loans | 0.5281% | 1,769 |
| Credit loss provision to net charge-offs | 413.5246% | 765 |
| Earnings coverage of net charge-offs (x) | 1.0082% | 3,822 |
| Efficiency ratio | 83.1276% | 1,782 |
| Assets per employee ($millions) | 10.5731% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6643% | 226 |
| Loan loss allowance to noncurrent loans | 38.1852% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 19.2964% | 54 |
| Noncurrent loans to loans | 12.2150% | 193 |
| Net loans and leases to total assets | 78.2923% | 561 |
| Net loans and leases to deposits | 82.3026% | 1,893 |
| Net loans and leases to core deposits | 83.4343% | 2,617 |
| Total domestic deposits to total assets | 95.1274% | 55 |
| Equity capital to assets | 2.7014% | 7,248 |
| Core capital (leverage) ratio | 2.6021% | 7,253 |
| Tier 1 risk-based capital ratio | 3.4502% | 7,264 |
| Total risk-based capital ratio | 4.7443% | 7,264 |
| Memoranda: | ||
| Average total assets | $224,615,000 | 2,833 |
| Average earning assets | $200,766,000 | 2,889 |
| Average equity | $6,379,000 | 6,051 |
| Average total loans | $184,816,500 | 2,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 2,023 |
| Cost of funding earning assets | 2.2199% | 52 |
| Net interest margin | 2.9884% | 6,546 |
| Noninterest income to average assets | -0.4242% | 7,244 |
| Noninterest expense to average assets | 2.2886% | 6,070 |
| Loan and lease loss provision to assets | 3.9570% | 53 |
| Net operating income to assets | -3.9983% | 7,253 |
| Return on assets (ROA) | -3.8773% | 7,255 |
| Pretax return on assets | -3.8753% | 7,264 |
| Return on Equity (ROE) | -95.4906% | 7,307 |
| Retained earnings to average equity (ytd only) | -95.4906% | 7,307 |
| Net charge-offs to loans | 4.1998% | 136 |
| Credit loss provision to net charge-offs | 115.8041% | 2,810 |
| Earnings coverage of net charge-offs (x) | -0.0115% | 5,835 |
| Efficiency ratio | 101.7451% | 628 |
| Assets per employee ($millions) | 10.3270% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1326% | 346 |
| Loan loss allowance to noncurrent loans | 33.2617% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 19.5525% | 56 |
| Noncurrent loans to loans | 12.4245% | 199 |
| Net loans and leases to total assets | 79.0298% | 607 |
| Net loans and leases to deposits | 83.2183% | 2,036 |
| Net loans and leases to core deposits | 84.3656% | 2,840 |
| Total domestic deposits to total assets | 94.9669% | 60 |
| Equity capital to assets | 2.9754% | 7,280 |
| Core capital (leverage) ratio | 2.8655% | 7,275 |
| Tier 1 risk-based capital ratio | 3.7578% | 7,289 |
| Total risk-based capital ratio | 5.0457% | 7,289 |
| Memoranda: | ||
| Average total assets | $252,209,800 | 2,499 |
| Average earning assets | $225,637,400 | 2,550 |
| Average equity | $10,240,800 | 4,961 |
| Average total loans | $205,200,000 | 1,993 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 1,970 |
| Cost of funding earning assets | 2.2568% | 54 |
| Net interest margin | 3.0120% | 6,562 |
| Noninterest income to average assets | -0.5845% | 7,363 |
| Noninterest expense to average assets | 2.2987% | 6,043 |
| Loan and lease loss provision to assets | 4.5586% | 42 |
| Net operating income to assets | -4.7485% | 7,367 |
| Return on assets (ROA) | -4.5891% | 7,364 |
| Pretax return on assets | -4.5870% | 7,364 |
| Return on Equity (ROE) | -106.7504% | 7,383 |
| Retained earnings to average equity (ytd only) | -106.7504% | 7,383 |
| Net charge-offs to loans | 2.9225% | 329 |
| Credit loss provision to net charge-offs | 192.2759% | 1,520 |
| Earnings coverage of net charge-offs (x) | -0.0792% | 5,647 |
| Efficiency ratio | 108.8954% | 453 |
| Assets per employee ($millions) | 10.8472% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3685% | 144 |
| Loan loss allowance to noncurrent loans | 56.5261% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 17.4494% | 85 |
| Noncurrent loans to loans | 9.4973% | 389 |
| Net loans and leases to total assets | 78.4381% | 663 |
| Net loans and leases to deposits | 82.8589% | 2,196 |
| Net loans and leases to core deposits | 84.2761% | 3,021 |
| Total domestic deposits to total assets | 94.6647% | 61 |
| Equity capital to assets | 3.2208% | 7,355 |
| Core capital (leverage) ratio | 3.0973% | 7,350 |
| Tier 1 risk-based capital ratio | 4.0930% | 7,363 |
| Total risk-based capital ratio | 5.3982% | 7,365 |
| Memoranda: | ||
| Average total assets | $258,463,750 | 2,452 |
| Average earning assets | $231,294,000 | 2,498 |
| Average equity | $11,111,000 | 4,780 |
| Average total loans | $209,677,250 | 1,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1908% | 2,297 |
| Cost of funding earning assets | 2.2796% | 59 |
| Net interest margin | 2.9112% | 6,770 |
| Noninterest income to average assets | -0.1441% | 7,310 |
| Noninterest expense to average assets | 2.2779% | 6,183 |
| Loan and lease loss provision to assets | 4.9654% | 51 |
| Net operating income to assets | -4.7813% | 7,432 |
| Return on assets (ROA) | -4.7829% | 7,433 |
| Pretax return on assets | -4.7806% | 7,429 |
| Return on Equity (ROE) | -103.4713% | 7,443 |
| Retained earnings to average equity (ytd only) | -103.4713% | 7,442 |
| Net charge-offs to loans | 2.9096% | 364 |
| Credit loss provision to net charge-offs | 211.7439% | 1,424 |
| Earnings coverage of net charge-offs (x) | 0.0795% | 5,230 |
| Efficiency ratio | 92.4372% | 1,069 |
| Assets per employee ($millions) | 11.2274% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8810% | 202 |
| Loan loss allowance to noncurrent loans | 74.1362% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 15.6189% | 132 |
| Noncurrent loans to loans | 6.5839% | 834 |
| Net loans and leases to total assets | 77.7046% | 815 |
| Net loans and leases to deposits | 82.7764% | 2,321 |
| Net loans and leases to core deposits | 84.1467% | 3,190 |
| Total domestic deposits to total assets | 93.8729% | 85 |
| Equity capital to assets | 4.2158% | 7,376 |
| Core capital (leverage) ratio | 4.0100% | 7,373 |
| Tier 1 risk-based capital ratio | 5.2748% | 7,391 |
| Total risk-based capital ratio | 6.5765% | 7,392 |
| Memoranda: | ||
| Average total assets | $265,072,000 | 2,405 |
| Average earning assets | $237,495,330 | 2,451 |
| Average equity | $12,252,670 | 4,494 |
| Average total loans | $213,635,330 | 1,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 2,734 |
| Cost of funding earning assets | 2.3076% | 62 |
| Net interest margin | 2.7727% | 6,945 |
| Noninterest income to average assets | -0.3823% | 7,477 |
| Noninterest expense to average assets | 2.1729% | 6,480 |
| Loan and lease loss provision to assets | 9.6035% | 15 |
| Net operating income to assets | -9.6546% | 7,550 |
| Return on assets (ROA) | -9.6546% | 7,550 |
| Pretax return on assets | -9.6532% | 7,546 |
| Return on Equity (ROE) | -200.9034% | 7,539 |
| Retained earnings to average equity (ytd only) | -200.9034% | 7,536 |
| Net charge-offs to loans | 2.9058% | 376 |
| Credit loss provision to net charge-offs | 412.6019% | 823 |
| Earnings coverage of net charge-offs (x) | -0.0213% | 4,591 |
| Efficiency ratio | 102.3368% | 659 |
| Assets per employee ($millions) | 11.1488% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3268% | 157 |
| Loan loss allowance to noncurrent loans | 54.0242% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 17.0301% | 104 |
| Noncurrent loans to loans | 9.8599% | 412 |
| Net loans and leases to total assets | 78.7659% | 646 |
| Net loans and leases to deposits | 83.5957% | 2,093 |
| Net loans and leases to core deposits | 85.1862% | 3,007 |
| Total domestic deposits to total assets | 94.2224% | 71 |
| Equity capital to assets | 3.8358% | 7,450 |
| Core capital (leverage) ratio | 3.5437% | 7,459 |
| Tier 1 risk-based capital ratio | 4.8525% | 7,465 |
| Total risk-based capital ratio | 6.1561% | 7,463 |
| Memoranda: | ||
| Average total assets | $274,107,000 | 2,356 |
| Average earning assets | $247,704,000 | 2,374 |
| Average equity | $13,172,500 | 4,299 |
| Average total loans | $219,562,500 | 1,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 3,456 |
| Cost of funding earning assets | 2.5849% | 79 |
| Net interest margin | 2.6460% | 7,173 |
| Noninterest income to average assets | 0.0009% | 7,278 |
| Noninterest expense to average assets | 2.6296% | 5,300 |
| Loan and lease loss provision to assets | 3.7442% | 187 |
| Net operating income to assets | -3.9102% | 7,426 |
| Return on assets (ROA) | -3.9102% | 7,438 |
| Pretax return on assets | -3.9087% | 7,426 |
| Return on Equity (ROE) | -54.1123% | 7,442 |
| Retained earnings to average equity (ytd only) | -54.1123% | 7,440 |
| Net charge-offs to loans | 4.8050% | 200 |
| Credit loss provision to net charge-offs | 95.0367% | 4,892 |
| Earnings coverage of net charge-offs (x) | -0.0418% | 6,162 |
| Efficiency ratio | 106.6756% | 609 |
| Assets per employee ($millions) | 12.6866% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8248% | 1,022 |
| Loan loss allowance to noncurrent loans | 29.7066% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 15.0066% | 163 |
| Noncurrent loans to loans | 9.5090% | 460 |
| Net loans and leases to total assets | 75.1939% | 1,435 |
| Net loans and leases to deposits | 81.1562% | 2,960 |
| Net loans and leases to core deposits | 83.6424% | 3,644 |
| Total domestic deposits to total assets | 92.6533% | 170 |
| Equity capital to assets | 5.6578% | 7,383 |
| Core capital (leverage) ratio | 5.3216% | 7,379 |
| Tier 1 risk-based capital ratio | 7.4630% | 7,392 |
| Total risk-based capital ratio | 8.7363% | 7,393 |
| Memoranda: | ||
| Average total assets | $332,411,400 | 1,955 |
| Average earning assets | $309,563,600 | 1,921 |
| Average equity | $24,020,400 | 2,655 |
| Average total loans | $272,552,000 | 1,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 3,646 |
| Cost of funding earning assets | 2.6348% | 84 |
| Net interest margin | 2.6036% | 7,314 |
| Noninterest income to average assets | -0.0525% | 7,499 |
| Noninterest expense to average assets | 2.4310% | 5,937 |
| Loan and lease loss provision to assets | 2.9630% | 296 |
| Net operating income to assets | -3.0117% | 7,452 |
| Return on assets (ROA) | -3.0117% | 7,462 |
| Pretax return on assets | -3.0101% | 7,419 |
| Return on Equity (ROE) | -39.8370% | 7,488 |
| Retained earnings to average equity (ytd only) | -39.8370% | 7,484 |
| Net charge-offs to loans | 3.3848% | 416 |
| Credit loss provision to net charge-offs | 105.5017% | 4,059 |
| Earnings coverage of net charge-offs (x) | -0.0168% | 6,045 |
| Efficiency ratio | 101.9755% | 687 |
| Assets per employee ($millions) | 12.9474% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 935 |
| Loan loss allowance to noncurrent loans | 37.4546% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 12.3917% | 251 |
| Noncurrent loans to loans | 7.6613% | 700 |
| Net loans and leases to total assets | 77.6462% | 1,102 |
| Net loans and leases to deposits | 84.6180% | 2,593 |
| Net loans and leases to core deposits | 87.7291% | 3,409 |
| Total domestic deposits to total assets | 91.7608% | 239 |
| Equity capital to assets | 6.7479% | 7,391 |
| Core capital (leverage) ratio | 6.3733% | 7,367 |
| Tier 1 risk-based capital ratio | 8.6780% | 7,419 |
| Total risk-based capital ratio | 9.9490% | 7,427 |
| Memoranda: | ||
| Average total assets | $342,566,500 | 1,934 |
| Average earning assets | $320,578,250 | 1,880 |
| Average equity | $25,898,250 | 2,504 |
| Average total loans | $284,243,250 | 1,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 3,711 |
| Cost of funding earning assets | 2.6686% | 103 |
| Net interest margin | 2.5820% | 7,363 |
| Noninterest income to average assets | 0.0287% | 7,436 |
| Noninterest expense to average assets | 2.2095% | 6,620 |
| Loan and lease loss provision to assets | 2.6079% | 426 |
| Net operating income to assets | -2.3626% | 7,388 |
| Return on assets (ROA) | -2.3626% | 7,402 |
| Pretax return on assets | -2.3626% | 7,337 |
| Return on Equity (ROE) | -30.2455% | 7,439 |
| Retained earnings to average equity (ytd only) | -30.2455% | 7,423 |
| Net charge-offs to loans | 2.7574% | 596 |
| Credit loss provision to net charge-offs | 112.7106% | 3,604 |
| Earnings coverage of net charge-offs (x) | 0.1060% | 5,619 |
| Efficiency ratio | 90.0047% | 1,331 |
| Assets per employee ($millions) | 14.8547% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 1,044 |
| Loan loss allowance to noncurrent loans | 29.0541% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 13.4017% | 202 |
| Noncurrent loans to loans | 9.4593% | 486 |
| Net loans and leases to total assets | 78.1027% | 1,100 |
| Net loans and leases to deposits | 91.8432% | 1,558 |
| Net loans and leases to core deposits | 95.9946% | 2,436 |
| Total domestic deposits to total assets | 85.0391% | 3,603 |
| Equity capital to assets | 7.4449% | 7,146 |
| Core capital (leverage) ratio | 7.4615% | 6,857 |
| Tier 1 risk-based capital ratio | 9.2766% | 7,344 |
| Total risk-based capital ratio | 10.5458% | 7,338 |
| Memoranda: | ||
| Average total assets | $348,860,330 | 1,917 |
| Average earning assets | $327,808,000 | 1,858 |
| Average equity | $27,250,330 | 2,394 |
| Average total loans | $292,739,670 | 1,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 4,184 |
| Cost of funding earning assets | 2.7660% | 99 |
| Net interest margin | 2.4059% | 7,531 |
| Noninterest income to average assets | -0.4846% | 7,859 |
| Noninterest expense to average assets | 1.8782% | 7,364 |
| Loan and lease loss provision to assets | 2.9552% | 337 |
| Net operating income to assets | -3.0449% | 7,644 |
| Return on assets (ROA) | -3.0449% | 7,639 |
| Pretax return on assets | -3.0437% | 7,603 |
| Return on Equity (ROE) | -38.1142% | 7,642 |
| Retained earnings to average equity (ytd only) | -38.1142% | 7,625 |
| Net charge-offs to loans | 2.9757% | 519 |
| Credit loss provision to net charge-offs | 115.9394% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.0347% | 5,053 |
| Efficiency ratio | 104.9461% | 701 |
| Assets per employee ($millions) | 13.8864% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5102% | 1,282 |
| Loan loss allowance to noncurrent loans | 27.6246% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 11.2317% | 314 |
| Noncurrent loans to loans | 9.0869% | 523 |
| Net loans and leases to total assets | 82.6281% | 519 |
| Net loans and leases to deposits | 98.5086% | 862 |
| Net loans and leases to core deposits | 103.8589% | 1,753 |
| Total domestic deposits to total assets | 83.8791% | 4,204 |
| Equity capital to assets | 7.7218% | 6,911 |
| Core capital (leverage) ratio | 7.6020% | 6,734 |
| Tier 1 risk-based capital ratio | 9.4800% | 7,314 |
| Total risk-based capital ratio | 10.7464% | 7,302 |
| Memoranda: | ||
| Average total assets | $352,461,500 | 1,943 |
| Average earning assets | $333,187,000 | 1,881 |
| Average equity | $28,157,500 | 2,361 |
| Average total loans | $301,917,000 | 1,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9611% | 2,011 |
| Cost of funding earning assets | 3.2825% | 95 |
| Net interest margin | 2.6785% | 7,240 |
| Noninterest income to average assets | -0.1432% | 7,830 |
| Noninterest expense to average assets | 1.3786% | 7,845 |
| Loan and lease loss provision to assets | 2.6282% | 743 |
| Net operating income to assets | -1.6120% | 6,909 |
| Return on assets (ROA) | -1.6059% | 6,913 |
| Pretax return on assets | -1.6046% | 6,763 |
| Return on Equity (ROE) | -17.9261% | 7,076 |
| Retained earnings to average equity (ytd only) | -17.9261% | 7,030 |
| Net charge-offs to loans | 2.3678% | 970 |
| Credit loss provision to net charge-offs | 120.8984% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.4681% | 5,642 |
| Efficiency ratio | 57.5342% | 6,827 |
| Assets per employee ($millions) | 14.3106% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 1,535 |
| Loan loss allowance to noncurrent loans | 27.5025% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 11.0031% | 302 |
| Noncurrent loans to loans | 8.2540% | 588 |
| Net loans and leases to total assets | 84.5722% | 389 |
| Net loans and leases to deposits | 102.7036% | 713 |
| Net loans and leases to core deposits | 135.7908% | 962 |
| Total domestic deposits to total assets | 82.3459% | 4,797 |
| Equity capital to assets | 8.2479% | 6,278 |
| Core capital (leverage) ratio | 8.0322% | 6,113 |
| Tier 1 risk-based capital ratio | 9.8693% | 6,971 |
| Total risk-based capital ratio | 11.1330% | 6,941 |
| Memoranda: | ||
| Average total assets | $362,530,800 | 1,875 |
| Average earning assets | $343,696,800 | 1,817 |
| Average equity | $32,477,800 | 2,060 |
| Average total loans | $332,839,600 | 1,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0609% | 1,795 |
| Cost of funding earning assets | 3.3205% | 125 |
| Net interest margin | 2.7404% | 7,149 |
| Noninterest income to average assets | 0.0847% | 7,476 |
| Noninterest expense to average assets | 1.2984% | 7,965 |
| Loan and lease loss provision to assets | 1.2430% | 1,559 |
| Net operating income to assets | 0.1444% | 5,335 |
| Return on assets (ROA) | 0.1525% | 5,372 |
| Pretax return on assets | 0.1525% | 5,407 |
| Return on Equity (ROE) | 1.6696% | 5,278 |
| Retained earnings to average equity (ytd only) | 1.6696% | 4,376 |
| Net charge-offs to loans | 0.7000% | 2,599 |
| Credit loss provision to net charge-offs | 190.7199% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.1288% | 4,227 |
| Efficiency ratio | 48.3417% | 7,650 |
| Assets per employee ($millions) | 15.3528% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1702% | 1,473 |
| Loan loss allowance to noncurrent loans | 44.5194% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 8.2594% | 506 |
| Noncurrent loans to loans | 4.8748% | 1,386 |
| Net loans and leases to total assets | 85.5639% | 383 |
| Net loans and leases to deposits | 108.5090% | 528 |
| Net loans and leases to core deposits | 152.6019% | 521 |
| Total domestic deposits to total assets | 78.8542% | 5,848 |
| Equity capital to assets | 9.7073% | 4,484 |
| Core capital (leverage) ratio | 9.7493% | 3,572 |
| Tier 1 risk-based capital ratio | 10.9606% | 5,987 |
| Total risk-based capital ratio | 12.2217% | 5,945 |
| Memoranda: | ||
| Average total assets | $363,722,500 | 1,883 |
| Average earning assets | $345,243,750 | 1,824 |
| Average equity | $33,220,250 | 2,045 |
| Average total loans | $338,650,250 | 1,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1617% | 1,593 |
| Cost of funding earning assets | 3.3767% | 158 |
| Net interest margin | 2.7850% | 7,041 |
| Noninterest income to average assets | 0.0900% | 7,525 |
| Noninterest expense to average assets | 1.2641% | 8,066 |
| Loan and lease loss provision to assets | 1.3199% | 1,306 |
| Net operating income to assets | 0.1651% | 5,371 |
| Return on assets (ROA) | 0.1651% | 5,469 |
| Pretax return on assets | 0.1651% | 5,546 |
| Return on Equity (ROE) | 1.8473% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.8473% | 4,318 |
| Net charge-offs to loans | 0.7253% | 2,239 |
| Credit loss provision to net charge-offs | 191.5064% | 2,388 |
| Earnings coverage of net charge-offs (x) | 2.1546% | 3,996 |
| Efficiency ratio | 45.9823% | 7,850 |
| Assets per employee ($millions) | 15.8289% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 1,778 |
| Loan loss allowance to noncurrent loans | 36.5296% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 6.9515% | 615 |
| Noncurrent loans to loans | 5.2198% | 1,145 |
| Net loans and leases to total assets | 92.1604% | 53 |
| Net loans and leases to deposits | 119.4032% | 248 |
| Net loans and leases to core deposits | 168.6800% | 334 |
| Total domestic deposits to total assets | 77.1842% | 6,278 |
| Equity capital to assets | 9.7903% | 4,227 |
| Core capital (leverage) ratio | 9.7394% | 3,587 |
| Tier 1 risk-based capital ratio | 10.6105% | 6,275 |
| Total risk-based capital ratio | 11.8690% | 6,202 |
| Memoranda: | ||
| Average total assets | $362,141,330 | 1,911 |
| Average earning assets | $345,781,330 | 1,836 |
| Average equity | $32,371,000 | 2,095 |
| Average total loans | $344,111,000 | 1,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3097% | 1,271 |
| Cost of funding earning assets | 3.4646% | 161 |
| Net interest margin | 2.8451% | 6,886 |
| Noninterest income to average assets | 0.1274% | 7,382 |
| Noninterest expense to average assets | 1.1451% | 8,130 |
| Loan and lease loss provision to assets | 0.8893% | 1,470 |
| Net operating income to assets | 0.8040% | 3,111 |
| Return on assets (ROA) | 0.8040% | 3,269 |
| Pretax return on assets | 0.8040% | 4,067 |
| Return on Equity (ROE) | 9.4485% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.4485% | 1,354 |
| Net charge-offs to loans | 0.7684% | 1,669 |
| Credit loss provision to net charge-offs | 121.1161% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.3062% | 3,583 |
| Efficiency ratio | 40.3433% | 8,042 |
| Assets per employee ($millions) | 17.2529% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 2,578 |
| Loan loss allowance to noncurrent loans | 35.8600% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 6.2698% | 612 |
| Noncurrent loans to loans | 4.4217% | 1,313 |
| Net loans and leases to total assets | 94.5801% | 20 |
| Net loans and leases to deposits | 123.2481% | 228 |
| Net loans and leases to core deposits | 209.3049% | 118 |
| Total domestic deposits to total assets | 76.7396% | 6,349 |
| Equity capital to assets | 8.5802% | 5,944 |
| Core capital (leverage) ratio | 8.5448% | 5,440 |
| Tier 1 risk-based capital ratio | 8.9620% | 7,811 |
| Total risk-based capital ratio | 10.2164% | 7,844 |
| Memoranda: | ||
| Average total assets | $361,180,000 | 1,924 |
| Average earning assets | $344,168,500 | 1,857 |
| Average equity | $30,735,000 | 2,208 |
| Average total loans | $345,144,000 | 1,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1386% | 837 |
| Cost of funding earning assets | 4.1911% | 48 |
| Net interest margin | 2.9475% | 7,039 |
| Noninterest income to average assets | 0.1002% | 7,630 |
| Noninterest expense to average assets | 1.7170% | 7,848 |
| Loan and lease loss provision to assets | 1.1268% | 1,288 |
| Net operating income to assets | 0.0679% | 6,188 |
| Return on assets (ROA) | 0.0679% | 6,041 |
| Pretax return on assets | 0.0679% | 6,013 |
| Return on Equity (ROE) | 0.7875% | 5,976 |
| Retained earnings to average equity (ytd only) | -3.1535% | 6,141 |
| Net charge-offs to loans | 0.8452% | 1,490 |
| Credit loss provision to net charge-offs | 140.4592% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.4893% | 5,357 |
| Efficiency ratio | 58.9693% | 6,530 |
| Assets per employee ($millions) | 17.1452% | 97 |
| Cash dividends to net income (ytd only)* | 500.4444% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 2,351 |
| Loan loss allowance to noncurrent loans | 50.4028% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 6.3391% | 447 |
| Noncurrent loans to loans | 3.1208% | 1,700 |
| Net loans and leases to total assets | 93.5184% | 42 |
| Net loans and leases to deposits | 120.5112% | 378 |
| Net loans and leases to core deposits | 229.0714% | 94 |
| Total domestic deposits to total assets | 77.6014% | 5,839 |
| Equity capital to assets | 8.4386% | 6,191 |
| Core capital (leverage) ratio | 9.0592% | 4,653 |
| Tier 1 risk-based capital ratio | 8.8850% | 7,860 |
| Total risk-based capital ratio | 10.1390% | 7,883 |
| Memoranda: | ||
| Average total assets | $331,214,400 | 2,019 |
| Average earning assets | $315,931,400 | 1,931 |
| Average equity | $28,571,400 | 2,364 |
| Average total loans | $314,382,000 | 1,541 |