Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 1,321 |
| Cost of funding earning assets | 1.3640% | 339 |
| Net interest margin | 3.7786% | 3,428 |
| Noninterest income to average assets | 1.8590% | 464 |
| Noninterest expense to average assets | 3.6944% | 1,371 |
| Loan and lease loss provision to assets | 0.9859% | 418 |
| Net operating income to assets | 0.3778% | 5,339 |
| Return on assets (ROA) | 0.4291% | 5,359 |
| Pretax return on assets | 0.6401% | 5,051 |
| Return on Equity (ROE) | 4.9233% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.9233% | 3,420 |
| Net charge-offs to loans | 1.9946% | 365 |
| Credit loss provision to net charge-offs | 69.0983% | 3,931 |
| Earnings coverage of net charge-offs (x) | 1.0859% | 4,763 |
| Efficiency ratio | 70.3653% | 3,617 |
| Assets per employee ($millions) | 3.7605% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,830 |
| Loan loss allowance to noncurrent loans | 56.2528% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.9546% | 1,221 |
| Noncurrent loans to loans | 3.1780% | 1,738 |
| Net loans and leases to total assets | 70.9064% | 1,740 |
| Net loans and leases to deposits | 81.2193% | 2,223 |
| Net loans and leases to core deposits | 91.5050% | 1,824 |
| Total domestic deposits to total assets | 87.3024% | 2,501 |
| Equity capital to assets | 9.3473% | 5,411 |
| Core capital (leverage) ratio | 9.1513% | 4,829 |
| Tier 1 risk-based capital ratio | 12.6698% | 5,507 |
| Total risk-based capital ratio | 15.3141% | 4,439 |
| Memoranda: | ||
| Average total assets | $618,682,500 | 1,078 |
| Average earning assets | $554,233,500 | 1,101 |
| Average equity | $53,919,500 | 1,333 |
| Average total loans | $442,574,500 | 944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 1,448 |
| Cost of funding earning assets | 1.3876% | 366 |
| Net interest margin | 3.7342% | 3,664 |
| Noninterest income to average assets | 1.7217% | 513 |
| Noninterest expense to average assets | 3.6414% | 1,486 |
| Loan and lease loss provision to assets | 1.2106% | 341 |
| Net operating income to assets | 0.1465% | 6,052 |
| Return on assets (ROA) | 0.2223% | 6,034 |
| Pretax return on assets | 0.3305% | 5,895 |
| Return on Equity (ROE) | 2.6095% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.6095% | 4,877 |
| Net charge-offs to loans | 2.3307% | 317 |
| Credit loss provision to net charge-offs | 72.8213% | 3,499 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 4,625 |
| Efficiency ratio | 71.7417% | 3,477 |
| Assets per employee ($millions) | 3.1070% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,641 |
| Loan loss allowance to noncurrent loans | 70.3189% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 3.9449% | 1,309 |
| Noncurrent loans to loans | 2.6614% | 2,256 |
| Net loans and leases to total assets | 71.0096% | 1,734 |
| Net loans and leases to deposits | 80.4721% | 2,316 |
| Net loans and leases to core deposits | 91.2851% | 1,842 |
| Total domestic deposits to total assets | 88.2413% | 1,995 |
| Equity capital to assets | 8.8191% | 5,894 |
| Core capital (leverage) ratio | 8.6118% | 5,498 |
| Tier 1 risk-based capital ratio | 11.9693% | 5,954 |
| Total risk-based capital ratio | 14.5766% | 4,911 |
| Memoranda: | ||
| Average total assets | $628,111,670 | 1,056 |
| Average earning assets | $563,125,330 | 1,081 |
| Average equity | $53,497,330 | 1,335 |
| Average total loans | $448,016,670 | 928 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 1,710 |
| Cost of funding earning assets | 1.4141% | 407 |
| Net interest margin | 3.6389% | 4,088 |
| Noninterest income to average assets | 1.5456% | 607 |
| Noninterest expense to average assets | 3.5554% | 1,656 |
| Loan and lease loss provision to assets | 0.4843% | 1,256 |
| Net operating income to assets | 0.5100% | 4,786 |
| Return on assets (ROA) | 0.5100% | 4,997 |
| Pretax return on assets | 0.7778% | 4,501 |
| Return on Equity (ROE) | 6.0906% | 4,243 |
| Retained earnings to average equity (ytd only) | 6.0906% | 2,904 |
| Net charge-offs to loans | 2.3007% | 375 |
| Credit loss provision to net charge-offs | 29.7152% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.7744% | 3,948 |
| Efficiency ratio | 73.7109% | 3,138 |
| Assets per employee ($millions) | 3.2839% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 3,080 |
| Loan loss allowance to noncurrent loans | 69.4420% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.7918% | 2,101 |
| Noncurrent loans to loans | 2.5523% | 2,553 |
| Net loans and leases to total assets | 68.2042% | 2,071 |
| Net loans and leases to deposits | 77.0409% | 2,670 |
| Net loans and leases to core deposits | 87.2855% | 2,136 |
| Total domestic deposits to total assets | 88.5298% | 1,992 |
| Equity capital to assets | 8.4327% | 6,145 |
| Core capital (leverage) ratio | 8.4505% | 5,677 |
| Tier 1 risk-based capital ratio | 12.1675% | 5,852 |
| Total risk-based capital ratio | 14.7887% | 4,782 |
| Memoranda: | ||
| Average total assets | $637,685,500 | 1,037 |
| Average earning assets | $573,362,000 | 1,057 |
| Average equity | $53,393,500 | 1,330 |
| Average total loans | $451,690,000 | 913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 1,414 |
| Cost of funding earning assets | 1.6926% | 330 |
| Net interest margin | 3.7101% | 4,255 |
| Noninterest income to average assets | 1.4532% | 615 |
| Noninterest expense to average assets | 3.7701% | 1,404 |
| Loan and lease loss provision to assets | 0.5201% | 2,019 |
| Net operating income to assets | 0.3285% | 5,154 |
| Return on assets (ROA) | 0.3848% | 5,094 |
| Pretax return on assets | 0.5802% | 4,744 |
| Return on Equity (ROE) | 4.7754% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.7754% | 2,804 |
| Net charge-offs to loans | 0.8874% | 1,959 |
| Credit loss provision to net charge-offs | 79.6417% | 4,470 |
| Earnings coverage of net charge-offs (x) | 1.5541% | 4,608 |
| Efficiency ratio | 78.6963% | 2,497 |
| Assets per employee ($millions) | 3.2733% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 2,015 |
| Loan loss allowance to noncurrent loans | 64.0302% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.3370% | 1,776 |
| Noncurrent loans to loans | 3.2744% | 1,978 |
| Net loans and leases to total assets | 70.7136% | 1,881 |
| Net loans and leases to deposits | 79.5613% | 2,604 |
| Net loans and leases to core deposits | 91.3350% | 1,955 |
| Total domestic deposits to total assets | 88.8794% | 1,615 |
| Equity capital to assets | 8.3134% | 6,338 |
| Core capital (leverage) ratio | 8.3298% | 5,815 |
| Tier 1 risk-based capital ratio | 11.5418% | 6,138 |
| Total risk-based capital ratio | 14.1267% | 5,147 |
| Memoranda: | ||
| Average total assets | $632,532,600 | 1,025 |
| Average earning assets | $568,047,600 | 1,043 |
| Average equity | $50,969,400 | 1,343 |
| Average total loans | $465,497,400 | 897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 1,321 |
| Cost of funding earning assets | 1.7712% | 292 |
| Net interest margin | 3.7028% | 4,318 |
| Noninterest income to average assets | 1.3496% | 718 |
| Noninterest expense to average assets | 3.6459% | 1,613 |
| Loan and lease loss provision to assets | 0.5846% | 1,684 |
| Net operating income to assets | 0.2961% | 5,407 |
| Return on assets (ROA) | 0.3727% | 5,301 |
| Pretax return on assets | 0.5597% | 4,935 |
| Return on Equity (ROE) | 4.6623% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.6623% | 3,408 |
| Net charge-offs to loans | 0.4749% | 2,837 |
| Credit loss provision to net charge-offs | 166.4862% | 1,829 |
| Earnings coverage of net charge-offs (x) | 2.9332% | 3,680 |
| Efficiency ratio | 77.9731% | 2,550 |
| Assets per employee ($millions) | 3.1503% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 1,392 |
| Loan loss allowance to noncurrent loans | 95.3601% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 3.0531% | 2,100 |
| Noncurrent loans to loans | 2.6272% | 2,643 |
| Net loans and leases to total assets | 72.0819% | 1,686 |
| Net loans and leases to deposits | 81.8333% | 2,391 |
| Net loans and leases to core deposits | 94.2410% | 1,771 |
| Total domestic deposits to total assets | 88.0838% | 1,996 |
| Equity capital to assets | 8.3578% | 6,433 |
| Core capital (leverage) ratio | 8.0846% | 6,304 |
| Tier 1 risk-based capital ratio | 11.1829% | 6,442 |
| Total risk-based capital ratio | 14.1926% | 5,115 |
| Memoranda: | ||
| Average total assets | $631,092,500 | 1,035 |
| Average earning assets | $566,903,750 | 1,054 |
| Average equity | $50,445,750 | 1,355 |
| Average total loans | $466,615,250 | 910 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 1,360 |
| Cost of funding earning assets | 1.7806% | 338 |
| Net interest margin | 3.6895% | 4,313 |
| Noninterest income to average assets | 1.3569% | 693 |
| Noninterest expense to average assets | 3.5748% | 1,800 |
| Loan and lease loss provision to assets | 0.4727% | 2,098 |
| Net operating income to assets | 0.4144% | 4,877 |
| Return on assets (ROA) | 0.4816% | 4,730 |
| Pretax return on assets | 0.7273% | 4,286 |
| Return on Equity (ROE) | 6.1170% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.1170% | 2,352 |
| Net charge-offs to loans | 0.3674% | 3,079 |
| Credit loss provision to net charge-offs | 174.0396% | 1,732 |
| Earnings coverage of net charge-offs (x) | 4.0431% | 2,983 |
| Efficiency ratio | 76.4988% | 2,938 |
| Assets per employee ($millions) | 3.2167% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,611 |
| Loan loss allowance to noncurrent loans | 88.9519% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9422% | 2,280 |
| Noncurrent loans to loans | 2.6833% | 2,712 |
| Net loans and leases to total assets | 71.1893% | 1,961 |
| Net loans and leases to deposits | 80.3343% | 2,729 |
| Net loans and leases to core deposits | 95.0706% | 1,783 |
| Total domestic deposits to total assets | 88.6163% | 1,775 |
| Equity capital to assets | 8.1356% | 6,564 |
| Core capital (leverage) ratio | 8.0267% | 6,265 |
| Tier 1 risk-based capital ratio | 10.9414% | 6,578 |
| Total risk-based capital ratio | 13.8801% | 5,203 |
| Memoranda: | ||
| Average total assets | $632,489,670 | 1,042 |
| Average earning assets | $568,470,670 | 1,060 |
| Average equity | $49,796,000 | 1,353 |
| Average total loans | $467,655,670 | 923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 1,527 |
| Cost of funding earning assets | 1.7957% | 385 |
| Net interest margin | 3.6148% | 4,505 |
| Noninterest income to average assets | 1.2897% | 767 |
| Noninterest expense to average assets | 3.6401% | 1,680 |
| Loan and lease loss provision to assets | 0.4912% | 1,785 |
| Net operating income to assets | 0.2750% | 5,521 |
| Return on assets (ROA) | 0.2908% | 5,530 |
| Pretax return on assets | 0.4218% | 5,275 |
| Return on Equity (ROE) | 3.7571% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.7571% | 3,916 |
| Net charge-offs to loans | 0.0641% | 4,289 |
| Credit loss provision to net charge-offs | 1,029.3333% | 369 |
| Earnings coverage of net charge-offs (x) | 18.6533% | 1,174 |
| Efficiency ratio | 80.3511% | 2,465 |
| Assets per employee ($millions) | 3.1042% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4023% | 1,603 |
| Loan loss allowance to noncurrent loans | 90.1150% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 3.0876% | 2,233 |
| Noncurrent loans to loans | 2.6658% | 2,824 |
| Net loans and leases to total assets | 70.4968% | 2,034 |
| Net loans and leases to deposits | 81.0510% | 2,516 |
| Net loans and leases to core deposits | 95.2581% | 1,741 |
| Total domestic deposits to total assets | 86.9783% | 2,951 |
| Equity capital to assets | 7.6759% | 6,766 |
| Core capital (leverage) ratio | 7.7776% | 6,483 |
| Tier 1 risk-based capital ratio | 10.4169% | 6,854 |
| Total risk-based capital ratio | 13.4083% | 5,540 |
| Memoranda: | ||
| Average total assets | $628,671,000 | 1,059 |
| Average earning assets | $563,571,500 | 1,082 |
| Average equity | $48,655,000 | 1,371 |
| Average total loans | $468,061,000 | 934 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9564% | 933 |
| Cost of funding earning assets | 2.0614% | 488 |
| Net interest margin | 3.8950% | 3,514 |
| Noninterest income to average assets | 1.2604% | 932 |
| Noninterest expense to average assets | 4.2474% | 861 |
| Loan and lease loss provision to assets | 0.5686% | 2,856 |
| Net operating income to assets | -0.2114% | 6,126 |
| Return on assets (ROA) | -0.1771% | 6,144 |
| Pretax return on assets | -0.0853% | 5,987 |
| Return on Equity (ROE) | -2.1503% | 6,189 |
| Retained earnings to average equity (ytd only) | -2.1503% | 5,987 |
| Net charge-offs to loans | 0.5151% | 3,556 |
| Credit loss provision to net charge-offs | 141.7257% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.1192% | 4,987 |
| Efficiency ratio | 90.4391% | 1,288 |
| Assets per employee ($millions) | 2.9266% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,803 |
| Loan loss allowance to noncurrent loans | 88.3609% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 3.2175% | 2,197 |
| Noncurrent loans to loans | 2.5314% | 2,994 |
| Net loans and leases to total assets | 75.0786% | 1,459 |
| Net loans and leases to deposits | 86.4102% | 2,021 |
| Net loans and leases to core deposits | 97.3411% | 1,862 |
| Total domestic deposits to total assets | 86.8863% | 2,886 |
| Equity capital to assets | 7.8063% | 6,668 |
| Core capital (leverage) ratio | 7.8005% | 6,437 |
| Tier 1 risk-based capital ratio | 9.9957% | 6,985 |
| Total risk-based capital ratio | 12.9862% | 5,702 |
| Memoranda: | ||
| Average total assets | $597,966,000 | 1,121 |
| Average earning assets | $527,500,000 | 1,165 |
| Average equity | $49,249,000 | 1,357 |
| Average total loans | $465,760,800 | 970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0060% | 923 |
| Cost of funding earning assets | 2.1160% | 513 |
| Net interest margin | 3.8900% | 3,573 |
| Noninterest income to average assets | 1.6541% | 510 |
| Noninterest expense to average assets | 4.0622% | 969 |
| Loan and lease loss provision to assets | 0.5046% | 2,937 |
| Net operating income to assets | 0.3509% | 4,961 |
| Return on assets (ROA) | 0.3826% | 5,012 |
| Pretax return on assets | 0.5559% | 4,742 |
| Return on Equity (ROE) | 4.5837% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.5837% | 3,282 |
| Net charge-offs to loans | 0.5778% | 3,012 |
| Credit loss provision to net charge-offs | 111.7180% | 3,789 |
| Earnings coverage of net charge-offs (x) | 2.2463% | 4,048 |
| Efficiency ratio | 80.0159% | 2,332 |
| Assets per employee ($millions) | 2.7823% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 2,000 |
| Loan loss allowance to noncurrent loans | 78.3434% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 4.1498% | 1,658 |
| Noncurrent loans to loans | 2.6785% | 2,954 |
| Net loans and leases to total assets | 77.7908% | 1,073 |
| Net loans and leases to deposits | 90.6189% | 1,636 |
| Net loans and leases to core deposits | 101.8074% | 1,672 |
| Total domestic deposits to total assets | 85.8438% | 3,161 |
| Equity capital to assets | 8.6468% | 6,107 |
| Core capital (leverage) ratio | 8.4358% | 5,629 |
| Tier 1 risk-based capital ratio | 10.8138% | 6,533 |
| Total risk-based capital ratio | 14.2662% | 4,542 |
| Memoranda: | ||
| Average total assets | $594,542,500 | 1,138 |
| Average earning assets | $523,106,750 | 1,184 |
| Average equity | $49,624,250 | 1,355 |
| Average total loans | $464,767,750 | 979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9797% | 993 |
| Cost of funding earning assets | 2.1494% | 550 |
| Net interest margin | 3.8303% | 3,761 |
| Noninterest income to average assets | 1.5483% | 532 |
| Noninterest expense to average assets | 3.9748% | 1,075 |
| Loan and lease loss provision to assets | 0.5017% | 2,790 |
| Net operating income to assets | 0.3074% | 5,148 |
| Return on assets (ROA) | 0.3458% | 5,157 |
| Pretax return on assets | 0.4923% | 4,927 |
| Return on Equity (ROE) | 4.1926% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.1926% | 3,399 |
| Net charge-offs to loans | 0.7468% | 2,370 |
| Credit loss provision to net charge-offs | 86.4055% | 4,532 |
| Earnings coverage of net charge-offs (x) | 1.6175% | 4,283 |
| Efficiency ratio | 80.8876% | 2,316 |
| Assets per employee ($millions) | 2.8219% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 2,137 |
| Loan loss allowance to noncurrent loans | 72.8946% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 4.2462% | 1,579 |
| Noncurrent loans to loans | 2.7652% | 2,890 |
| Net loans and leases to total assets | 76.4066% | 1,417 |
| Net loans and leases to deposits | 88.6078% | 2,074 |
| Net loans and leases to core deposits | 98.8243% | 2,139 |
| Total domestic deposits to total assets | 86.2301% | 2,954 |
| Equity capital to assets | 8.4528% | 6,228 |
| Core capital (leverage) ratio | 8.2416% | 5,871 |
| Tier 1 risk-based capital ratio | 10.6001% | 6,607 |
| Total risk-based capital ratio | 14.0116% | 4,605 |
| Memoranda: | ||
| Average total assets | $597,965,000 | 1,134 |
| Average earning assets | $525,440,330 | 1,177 |
| Average equity | $49,325,330 | 1,355 |
| Average total loans | $464,939,000 | 985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0318% | 918 |
| Cost of funding earning assets | 2.1617% | 665 |
| Net interest margin | 3.8701% | 3,459 |
| Noninterest income to average assets | 1.3700% | 643 |
| Noninterest expense to average assets | 3.9558% | 1,095 |
| Loan and lease loss provision to assets | 0.3986% | 2,983 |
| Net operating income to assets | 0.3038% | 5,287 |
| Return on assets (ROA) | 0.3834% | 5,049 |
| Pretax return on assets | 0.5229% | 4,883 |
| Return on Equity (ROE) | 4.7043% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.7043% | 3,324 |
| Net charge-offs to loans | 0.0222% | 5,264 |
| Credit loss provision to net charge-offs | 2,307.6923% | 222 |
| Earnings coverage of net charge-offs (x) | 47.0385% | 600 |
| Efficiency ratio | 82.9595% | 2,147 |
| Assets per employee ($millions) | 2.7985% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 1,805 |
| Loan loss allowance to noncurrent loans | 64.3843% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 4.7122% | 1,408 |
| Noncurrent loans to loans | 3.3778% | 2,371 |
| Net loans and leases to total assets | 75.0108% | 1,742 |
| Net loans and leases to deposits | 87.2423% | 2,367 |
| Net loans and leases to core deposits | 97.7160% | 2,374 |
| Total domestic deposits to total assets | 85.9798% | 3,162 |
| Equity capital to assets | 8.1670% | 6,478 |
| Core capital (leverage) ratio | 8.1717% | 5,957 |
| Tier 1 risk-based capital ratio | 10.5003% | 6,633 |
| Total risk-based capital ratio | 13.9291% | 4,547 |
| Memoranda: | ||
| Average total assets | $602,057,500 | 1,149 |
| Average earning assets | $528,665,500 | 1,201 |
| Average equity | $49,061,500 | 1,367 |
| Average total loans | $467,458,000 | 1,009 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4696% | 715 |
| Cost of funding earning assets | 2.5487% | 897 |
| Net interest margin | 3.9209% | 3,186 |
| Noninterest income to average assets | 1.2746% | 926 |
| Noninterest expense to average assets | 4.3583% | 922 |
| Loan and lease loss provision to assets | 1.3438% | 1,711 |
| Net operating income to assets | -0.5984% | 6,265 |
| Return on assets (ROA) | -0.4915% | 6,165 |
| Pretax return on assets | -0.8148% | 6,273 |
| Return on Equity (ROE) | -6.1973% | 6,325 |
| Retained earnings to average equity (ytd only) | -6.1973% | 6,168 |
| Net charge-offs to loans | 1.1253% | 2,181 |
| Credit loss provision to net charge-offs | 150.3588% | 3,088 |
| Earnings coverage of net charge-offs (x) | 0.4050% | 5,708 |
| Efficiency ratio | 91.4614% | 1,605 |
| Assets per employee ($millions) | 2.7761% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 1,985 |
| Loan loss allowance to noncurrent loans | 74.1093% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 4.3571% | 1,495 |
| Noncurrent loans to loans | 2.7209% | 2,842 |
| Net loans and leases to total assets | 77.0310% | 1,576 |
| Net loans and leases to deposits | 90.7229% | 2,095 |
| Net loans and leases to core deposits | 116.8720% | 2,233 |
| Total domestic deposits to total assets | 84.9080% | 3,595 |
| Equity capital to assets | 8.1308% | 6,427 |
| Core capital (leverage) ratio | 7.9811% | 6,226 |
| Tier 1 risk-based capital ratio | 10.2675% | 6,620 |
| Total risk-based capital ratio | 13.6879% | 4,524 |
| Memoranda: | ||
| Average total assets | $608,124,800 | 1,140 |
| Average earning assets | $534,419,200 | 1,190 |
| Average equity | $48,230,400 | 1,396 |
| Average total loans | $482,993,800 | 1,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5544% | 672 |
| Cost of funding earning assets | 2.6303% | 956 |
| Net interest margin | 3.9241% | 3,144 |
| Noninterest income to average assets | 1.4621% | 697 |
| Noninterest expense to average assets | 4.2076% | 1,025 |
| Loan and lease loss provision to assets | 0.5967% | 3,004 |
| Net operating income to assets | 0.0813% | 5,524 |
| Return on assets (ROA) | 0.1549% | 5,363 |
| Pretax return on assets | 0.2063% | 5,287 |
| Return on Equity (ROE) | 1.9653% | 5,170 |
| Retained earnings to average equity (ytd only) | 1.9653% | 4,227 |
| Net charge-offs to loans | 0.5055% | 3,201 |
| Credit loss provision to net charge-offs | 148.2628% | 3,257 |
| Earnings coverage of net charge-offs (x) | 1.7514% | 4,483 |
| Efficiency ratio | 85.6520% | 2,097 |
| Assets per employee ($millions) | 2.7782% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 2,902 |
| Loan loss allowance to noncurrent loans | 108.0570% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 4.5509% | 1,336 |
| Noncurrent loans to loans | 1.5023% | 4,410 |
| Net loans and leases to total assets | 76.9767% | 1,788 |
| Net loans and leases to deposits | 93.8774% | 1,903 |
| Net loans and leases to core deposits | 122.2559% | 2,047 |
| Total domestic deposits to total assets | 81.9970% | 4,679 |
| Equity capital to assets | 8.4429% | 6,322 |
| Core capital (leverage) ratio | 8.2802% | 5,868 |
| Tier 1 risk-based capital ratio | 10.5158% | 6,450 |
| Total risk-based capital ratio | 13.8737% | 4,409 |
| Memoranda: | ||
| Average total assets | $610,245,250 | 1,152 |
| Average earning assets | $536,563,500 | 1,192 |
| Average equity | $48,099,000 | 1,417 |
| Average total loans | $485,888,000 | 1,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5420% | 747 |
| Cost of funding earning assets | 2.7052% | 1,017 |
| Net interest margin | 3.8368% | 3,383 |
| Noninterest income to average assets | 1.4405% | 723 |
| Noninterest expense to average assets | 4.1142% | 1,171 |
| Loan and lease loss provision to assets | 0.5128% | 2,971 |
| Net operating income to assets | 0.1284% | 5,480 |
| Return on assets (ROA) | 0.2060% | 5,316 |
| Pretax return on assets | 0.3121% | 5,185 |
| Return on Equity (ROE) | 2.6757% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.6757% | 3,838 |
| Net charge-offs to loans | 0.3579% | 3,393 |
| Credit loss provision to net charge-offs | 178.9294% | 2,557 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 3,831 |
| Efficiency ratio | 85.3294% | 2,318 |
| Assets per employee ($millions) | 2.8148% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 3,050 |
| Loan loss allowance to noncurrent loans | 60.3819% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 4.8140% | 1,136 |
| Noncurrent loans to loans | 2.5287% | 2,861 |
| Net loans and leases to total assets | 77.7149% | 1,817 |
| Net loans and leases to deposits | 94.0844% | 2,075 |
| Net loans and leases to core deposits | 122.4293% | 2,166 |
| Total domestic deposits to total assets | 82.6012% | 4,424 |
| Equity capital to assets | 8.1834% | 6,518 |
| Core capital (leverage) ratio | 8.0478% | 6,243 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,464 |
| Total risk-based capital ratio | 13.7535% | 4,440 |
| Memoranda: | ||
| Average total assets | $612,703,330 | 1,165 |
| Average earning assets | $539,922,670 | 1,198 |
| Average equity | $47,165,330 | 1,461 |
| Average total loans | $490,608,000 | 1,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7260% | 554 |
| Cost of funding earning assets | 2.7304% | 1,176 |
| Net interest margin | 3.9955% | 2,660 |
| Noninterest income to average assets | 1.5680% | 563 |
| Noninterest expense to average assets | 4.0779% | 1,092 |
| Loan and lease loss provision to assets | 0.4083% | 2,876 |
| Net operating income to assets | 0.4135% | 4,807 |
| Return on assets (ROA) | 0.4135% | 4,984 |
| Pretax return on assets | 0.6038% | 4,739 |
| Return on Equity (ROE) | 5.5494% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.5494% | 2,844 |
| Net charge-offs to loans | 0.2091% | 3,389 |
| Credit loss provision to net charge-offs | 242.0233% | 1,926 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,567 |
| Efficiency ratio | 80.1161% | 2,802 |
| Assets per employee ($millions) | 2.7924% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 3,184 |
| Loan loss allowance to noncurrent loans | 57.2001% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 4.4364% | 1,095 |
| Noncurrent loans to loans | 2.5500% | 2,586 |
| Net loans and leases to total assets | 78.1000% | 1,801 |
| Net loans and leases to deposits | 95.9734% | 1,954 |
| Net loans and leases to core deposits | 125.6030% | 1,947 |
| Total domestic deposits to total assets | 81.3767% | 4,802 |
| Equity capital to assets | 7.4419% | 7,403 |
| Core capital (leverage) ratio | 7.3923% | 7,283 |
| Tier 1 risk-based capital ratio | 9.0679% | 7,751 |
| Total risk-based capital ratio | 12.3105% | 5,758 |
| Memoranda: | ||
| Average total assets | $609,426,500 | 1,172 |
| Average earning assets | $537,202,500 | 1,209 |
| Average equity | $45,410,000 | 1,518 |
| Average total loans | $491,553,500 | 1,025 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3570% | 535 |
| Cost of funding earning assets | 3.1203% | 1,450 |
| Net interest margin | 4.2366% | 2,173 |
| Noninterest income to average assets | 1.2909% | 879 |
| Noninterest expense to average assets | 4.0706% | 1,322 |
| Loan and lease loss provision to assets | 1.0514% | 1,393 |
| Net operating income to assets | -0.0161% | 6,396 |
| Return on assets (ROA) | 0.0029% | 6,222 |
| Pretax return on assets | -0.0486% | 6,209 |
| Return on Equity (ROE) | 0.0363% | 6,219 |
| Retained earnings to average equity (ytd only) | -11.8578% | 7,234 |
| Net charge-offs to loans | 0.7817% | 1,593 |
| Credit loss provision to net charge-offs | 158.6486% | 3,263 |
| Earnings coverage of net charge-offs (x) | 1.4683% | 5,374 |
| Efficiency ratio | 80.7069% | 2,502 |
| Assets per employee ($millions) | 2.6863% | 6,811 |
| Cash dividends to net income (ytd only)* | 32,794.1176% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 3,360 |
| Loan loss allowance to noncurrent loans | 211.5313% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 2.6754% | 1,773 |
| Noncurrent loans to loans | 0.6478% | 5,423 |
| Net loans and leases to total assets | 80.9717% | 1,444 |
| Net loans and leases to deposits | 99.6868% | 1,865 |
| Net loans and leases to core deposits | 128.5960% | 1,957 |
| Total domestic deposits to total assets | 81.2261% | 4,545 |
| Equity capital to assets | 7.4609% | 7,418 |
| Core capital (leverage) ratio | 7.5650% | 7,126 |
| Tier 1 risk-based capital ratio | 9.1120% | 7,704 |
| Total risk-based capital ratio | 12.4119% | 5,469 |
| Memoranda: | ||
| Average total assets | $578,368,800 | 1,164 |
| Average earning assets | $512,315,800 | 1,207 |
| Average equity | $46,872,200 | 1,456 |
| Average total loans | $490,336,400 | 973 |