Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 1,582 |
| Cost of funding earning assets | 0.5918% | 1,422 |
| Net interest margin | 3.9118% | 1,989 |
| Noninterest income to average assets | 0.7019% | 2,192 |
| Noninterest expense to average assets | 3.4116% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 5.5435% | 37 |
| Return on assets (ROA) | 5.5435% | 36 |
| Pretax return on assets | 0.8513% | 4,017 |
| Return on Equity (ROE) | 51.0829% | 9 |
| Retained earnings to average equity (ytd only) | 29.1294% | 29 |
| Net charge-offs to loans | 0.0297% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 37.7465% | 1,227 |
| Efficiency ratio | 79.0052% | 1,817 |
| Assets per employee ($millions) | 4.1202% | 3,721 |
| Cash dividends to net income (ytd only)* | 42.9762% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,462 |
| Loan loss allowance to noncurrent loans | 404.1580% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 4,213 |
| Noncurrent loans to loans | 0.2977% | 4,390 |
| Net loans and leases to total assets | 73.5671% | 1,797 |
| Net loans and leases to deposits | 86.3472% | 2,082 |
| Net loans and leases to core deposits | 90.8822% | 2,327 |
| Total domestic deposits to total assets | 85.1992% | 3,002 |
| Equity capital to assets | 12.6906% | 1,514 |
| Core capital (leverage) ratio | 10.0675% | 3,415 |
| Tier 1 risk-based capital ratio | 11.2272% | 5,411 |
| Total risk-based capital ratio | 12.3269% | 5,384 |
| Memoranda: | ||
| Average total assets | $629,618,800 | 1,086 |
| Average earning assets | $573,159,800 | 1,085 |
| Average equity | $68,326,200 | 1,113 |
| Average total loans | $478,641,400 | 972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 1,677 |
| Cost of funding earning assets | 0.5854% | 1,499 |
| Net interest margin | 3.8878% | 2,078 |
| Noninterest income to average assets | 0.7996% | 1,808 |
| Noninterest expense to average assets | 3.5028% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8519% | 3,166 |
| Return on assets (ROA) | 0.8519% | 3,250 |
| Pretax return on assets | 0.8667% | 4,106 |
| Return on Equity (ROE) | 8.2134% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.2134% | 1,156 |
| Net charge-offs to loans | -0.0154% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1339% | 1,784 |
| Assets per employee ($millions) | 4.0550% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,408 |
| Loan loss allowance to noncurrent loans | 434.3660% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 4,358 |
| Noncurrent loans to loans | 0.2864% | 4,557 |
| Net loans and leases to total assets | 76.1411% | 1,369 |
| Net loans and leases to deposits | 85.8356% | 2,162 |
| Net loans and leases to core deposits | 90.0773% | 2,461 |
| Total domestic deposits to total assets | 88.7057% | 1,173 |
| Equity capital to assets | 10.6074% | 3,461 |
| Core capital (leverage) ratio | 10.7297% | 2,789 |
| Tier 1 risk-based capital ratio | 12.5520% | 4,721 |
| Total risk-based capital ratio | 13.6928% | 4,703 |
| Memoranda: | ||
| Average total assets | $624,277,500 | 1,100 |
| Average earning assets | $573,234,250 | 1,095 |
| Average equity | $64,754,250 | 1,175 |
| Average total loans | $477,116,250 | 976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,718 |
| Cost of funding earning assets | 0.5758% | 1,604 |
| Net interest margin | 3.8634% | 2,090 |
| Noninterest income to average assets | 0.5128% | 3,280 |
| Noninterest expense to average assets | 3.3340% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7157% | 3,816 |
| Return on assets (ROA) | 0.7157% | 3,934 |
| Pretax return on assets | 0.7228% | 4,589 |
| Return on Equity (ROE) | 6.9531% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.9531% | 1,721 |
| Net charge-offs to loans | 0.0299% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 31.7042% | 1,320 |
| Efficiency ratio | 81.0353% | 1,621 |
| Assets per employee ($millions) | 4.0625% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,683 |
| Loan loss allowance to noncurrent loans | 394.5856% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 4,759 |
| Noncurrent loans to loans | 0.3086% | 4,586 |
| Net loans and leases to total assets | 77.0514% | 1,210 |
| Net loans and leases to deposits | 86.4654% | 2,009 |
| Net loans and leases to core deposits | 90.6543% | 2,277 |
| Total domestic deposits to total assets | 89.1124% | 1,087 |
| Equity capital to assets | 10.4203% | 3,535 |
| Core capital (leverage) ratio | 10.5215% | 2,928 |
| Tier 1 risk-based capital ratio | 12.4783% | 4,824 |
| Total risk-based capital ratio | 13.6157% | 4,800 |
| Memoranda: | ||
| Average total assets | $622,859,330 | 1,108 |
| Average earning assets | $571,362,670 | 1,106 |
| Average equity | $64,115,330 | 1,195 |
| Average total loans | $474,621,670 | 980 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,539 |
| Cost of funding earning assets | 0.5621% | 1,733 |
| Net interest margin | 3.9119% | 1,854 |
| Noninterest income to average assets | 0.4471% | 3,650 |
| Noninterest expense to average assets | 3.3809% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6479% | 4,057 |
| Return on assets (ROA) | 0.6479% | 4,176 |
| Pretax return on assets | 0.6512% | 4,762 |
| Return on Equity (ROE) | 6.3334% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.3334% | 2,319 |
| Net charge-offs to loans | -0.0034% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6889% | 1,539 |
| Assets per employee ($millions) | 3.8854% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,602 |
| Loan loss allowance to noncurrent loans | 285.3461% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 4,367 |
| Noncurrent loans to loans | 0.4438% | 4,259 |
| Net loans and leases to total assets | 75.4440% | 1,286 |
| Net loans and leases to deposits | 84.8254% | 1,977 |
| Net loans and leases to core deposits | 89.1840% | 2,209 |
| Total domestic deposits to total assets | 88.9403% | 1,310 |
| Equity capital to assets | 10.4006% | 3,648 |
| Core capital (leverage) ratio | 10.3805% | 3,119 |
| Tier 1 risk-based capital ratio | 12.6364% | 4,822 |
| Total risk-based capital ratio | 13.8240% | 4,774 |
| Memoranda: | ||
| Average total assets | $623,507,500 | 1,111 |
| Average earning assets | $571,390,500 | 1,114 |
| Average equity | $63,788,500 | 1,196 |
| Average total loans | $469,519,500 | 988 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,306 |
| Cost of funding earning assets | 0.6155% | 1,636 |
| Net interest margin | 4.0861% | 1,624 |
| Noninterest income to average assets | 0.4984% | 3,529 |
| Noninterest expense to average assets | 3.4913% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7434% | 3,658 |
| Return on assets (ROA) | 0.7564% | 3,698 |
| Pretax return on assets | 0.7564% | 4,418 |
| Return on Equity (ROE) | 7.7436% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.9254% | 1,442 |
| Net charge-offs to loans | 0.0891% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.2072% | 2,525 |
| Efficiency ratio | 81.2373% | 1,743 |
| Assets per employee ($millions) | 3.9327% | 4,097 |
| Cash dividends to net income (ytd only)* | 10.5664% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 3,546 |
| Loan loss allowance to noncurrent loans | 257.5000% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,463 |
| Noncurrent loans to loans | 0.4968% | 4,167 |
| Net loans and leases to total assets | 73.2650% | 1,712 |
| Net loans and leases to deposits | 81.9520% | 2,477 |
| Net loans and leases to core deposits | 86.1808% | 2,667 |
| Total domestic deposits to total assets | 89.3999% | 1,018 |
| Equity capital to assets | 10.0637% | 4,027 |
| Core capital (leverage) ratio | 9.9319% | 3,675 |
| Tier 1 risk-based capital ratio | 12.2975% | 5,155 |
| Total risk-based capital ratio | 13.4781% | 5,117 |
| Memoranda: | ||
| Average total assets | $625,634,600 | 1,064 |
| Average earning assets | $572,089,000 | 1,061 |
| Average equity | $61,108,800 | 1,197 |
| Average total loans | $465,903,200 | 954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,204 |
| Cost of funding earning assets | 0.6209% | 1,668 |
| Net interest margin | 4.1230% | 1,509 |
| Noninterest income to average assets | 0.5404% | 3,258 |
| Noninterest expense to average assets | 3.5413% | 1,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7675% | 3,580 |
| Return on assets (ROA) | 0.7677% | 3,682 |
| Pretax return on assets | 0.7677% | 4,474 |
| Return on Equity (ROE) | 7.9199% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.9199% | 1,402 |
| Net charge-offs to loans | 0.0458% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 22.4748% | 1,627 |
| Efficiency ratio | 80.9896% | 1,766 |
| Assets per employee ($millions) | 3.5118% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,490 |
| Loan loss allowance to noncurrent loans | 211.0810% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 4,301 |
| Noncurrent loans to loans | 0.6311% | 4,034 |
| Net loans and leases to total assets | 73.4000% | 1,612 |
| Net loans and leases to deposits | 82.0944% | 2,412 |
| Net loans and leases to core deposits | 86.1897% | 2,647 |
| Total domestic deposits to total assets | 89.4092% | 1,025 |
| Equity capital to assets | 9.9409% | 4,241 |
| Core capital (leverage) ratio | 9.9059% | 3,810 |
| Tier 1 risk-based capital ratio | 12.3468% | 5,269 |
| Total risk-based capital ratio | 13.5941% | 5,200 |
| Memoranda: | ||
| Average total assets | $624,735,500 | 1,078 |
| Average earning assets | $570,995,000 | 1,069 |
| Average equity | $60,555,000 | 1,212 |
| Average total loans | $465,634,000 | 958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,070 |
| Cost of funding earning assets | 0.6250% | 1,684 |
| Net interest margin | 4.1743% | 1,300 |
| Noninterest income to average assets | 0.5300% | 3,264 |
| Noninterest expense to average assets | 3.5740% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7654% | 3,485 |
| Return on assets (ROA) | 0.7657% | 3,589 |
| Pretax return on assets | 0.7657% | 4,399 |
| Return on Equity (ROE) | 7.9686% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.9686% | 1,339 |
| Net charge-offs to loans | 0.0417% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.5979% | 1,426 |
| Efficiency ratio | 81.1488% | 1,859 |
| Assets per employee ($millions) | 3.6050% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 3,554 |
| Loan loss allowance to noncurrent loans | 215.1111% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,403 |
| Noncurrent loans to loans | 0.6309% | 4,132 |
| Net loans and leases to total assets | 72.9126% | 1,591 |
| Net loans and leases to deposits | 81.4445% | 2,322 |
| Net loans and leases to core deposits | 85.7133% | 2,546 |
| Total domestic deposits to total assets | 89.5243% | 1,075 |
| Equity capital to assets | 9.8153% | 4,330 |
| Core capital (leverage) ratio | 9.8375% | 3,833 |
| Tier 1 risk-based capital ratio | 12.1293% | 5,468 |
| Total risk-based capital ratio | 13.3547% | 5,405 |
| Memoranda: | ||
| Average total assets | $623,443,000 | 1,083 |
| Average earning assets | $568,962,330 | 1,077 |
| Average equity | $59,910,000 | 1,217 |
| Average total loans | $464,968,330 | 952 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 912 |
| Cost of funding earning assets | 0.6211% | 1,800 |
| Net interest margin | 4.2504% | 1,097 |
| Noninterest income to average assets | 0.5033% | 3,385 |
| Noninterest expense to average assets | 3.6960% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6828% | 3,769 |
| Return on assets (ROA) | 0.6835% | 3,841 |
| Pretax return on assets | 0.6835% | 4,545 |
| Return on Equity (ROE) | 7.1901% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.1901% | 1,941 |
| Net charge-offs to loans | 0.0412% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.1042% | 1,266 |
| Efficiency ratio | 83.1864% | 1,771 |
| Assets per employee ($millions) | 3.6186% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,772 |
| Loan loss allowance to noncurrent loans | 183.0014% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 4,239 |
| Noncurrent loans to loans | 0.7451% | 4,001 |
| Net loans and leases to total assets | 73.6969% | 1,311 |
| Net loans and leases to deposits | 82.2707% | 2,021 |
| Net loans and leases to core deposits | 86.8026% | 2,221 |
| Total domestic deposits to total assets | 89.5786% | 1,324 |
| Equity capital to assets | 9.6493% | 4,294 |
| Core capital (leverage) ratio | 9.5625% | 4,188 |
| Tier 1 risk-based capital ratio | 11.6848% | 5,822 |
| Total risk-based capital ratio | 12.8962% | 5,784 |
| Memoranda: | ||
| Average total assets | $621,533,000 | 1,096 |
| Average earning assets | $566,722,500 | 1,092 |
| Average equity | $59,081,000 | 1,237 |
| Average total loans | $465,629,500 | 954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 1,408 |
| Cost of funding earning assets | 0.7166% | 1,700 |
| Net interest margin | 4.0433% | 1,828 |
| Noninterest income to average assets | -0.0332% | 6,684 |
| Noninterest expense to average assets | 4.4711% | 538 |
| Loan and lease loss provision to assets | 0.0439% | 4,243 |
| Net operating income to assets | -0.9097% | 6,589 |
| Return on assets (ROA) | -0.8467% | 6,576 |
| Pretax return on assets | -0.8467% | 6,565 |
| Return on Equity (ROE) | -8.3310% | 6,561 |
| Retained earnings to average equity (ytd only) | -9.1273% | 6,522 |
| Net charge-offs to loans | 0.1733% | 3,093 |
| Credit loss provision to net charge-offs | 36.7209% | 4,106 |
| Earnings coverage of net charge-offs (x) | -7.2480% | 5,412 |
| Efficiency ratio | 122.3858% | 162 |
| Assets per employee ($millions) | 3.0425% | 5,768 |
| Cash dividends to net income (ytd only)* | -9.5584% | 6,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 3,794 |
| Loan loss allowance to noncurrent loans | 237.7745% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 4,711 |
| Noncurrent loans to loans | 0.5763% | 4,542 |
| Net loans and leases to total assets | 74.0880% | 1,335 |
| Net loans and leases to deposits | 82.5705% | 2,119 |
| Net loans and leases to core deposits | 86.9381% | 2,357 |
| Total domestic deposits to total assets | 89.7270% | 1,214 |
| Equity capital to assets | 9.3617% | 4,599 |
| Core capital (leverage) ratio | 9.2327% | 4,668 |
| Tier 1 risk-based capital ratio | 11.3086% | 6,021 |
| Total risk-based capital ratio | 12.5203% | 5,979 |
| Memoranda: | ||
| Average total assets | $617,783,200 | 1,079 |
| Average earning assets | $555,932,200 | 1,091 |
| Average equity | $62,789,600 | 1,142 |
| Average total loans | $425,853,800 | 1,006 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,515 |
| Cost of funding earning assets | 0.7341% | 1,715 |
| Net interest margin | 4.0002% | 1,942 |
| Noninterest income to average assets | 0.2481% | 5,657 |
| Noninterest expense to average assets | 4.4033% | 574 |
| Loan and lease loss provision to assets | -0.0640% | 6,567 |
| Net operating income to assets | -0.5078% | 6,603 |
| Return on assets (ROA) | -0.4237% | 6,584 |
| Pretax return on assets | -0.4198% | 6,565 |
| Return on Equity (ROE) | -4.0878% | 6,573 |
| Retained earnings to average equity (ytd only) | -5.1301% | 6,499 |
| Net charge-offs to loans | 0.0603% | 4,043 |
| Credit loss provision to net charge-offs | -157.4468% | 5,853 |
| Earnings coverage of net charge-offs (x) | -13.9787% | 5,177 |
| Efficiency ratio | 113.2500% | 226 |
| Assets per employee ($millions) | 2.8797% | 6,036 |
| Cash dividends to net income (ytd only)* | -25.4972% | 6,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,932 |
| Loan loss allowance to noncurrent loans | 339.6588% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2005% | 3,248 |
| Noncurrent loans to loans | 0.4096% | 5,170 |
| Net loans and leases to total assets | 71.6195% | 1,659 |
| Net loans and leases to deposits | 80.0494% | 2,405 |
| Net loans and leases to core deposits | 84.2365% | 2,627 |
| Total domestic deposits to total assets | 89.4691% | 1,318 |
| Equity capital to assets | 9.7641% | 4,227 |
| Core capital (leverage) ratio | 9.8654% | 3,867 |
| Tier 1 risk-based capital ratio | 11.9046% | 5,832 |
| Total risk-based capital ratio | 13.1171% | 5,809 |
| Memoranda: | ||
| Average total assets | $617,062,250 | 1,090 |
| Average earning assets | $553,389,750 | 1,104 |
| Average equity | $63,960,750 | 1,138 |
| Average total loans | $415,760,000 | 1,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,578 |
| Cost of funding earning assets | 0.7543% | 1,676 |
| Net interest margin | 3.9435% | 2,067 |
| Noninterest income to average assets | -0.0702% | 6,840 |
| Noninterest expense to average assets | 4.3482% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.8907% | 6,727 |
| Return on assets (ROA) | -0.7637% | 6,716 |
| Pretax return on assets | -0.7578% | 6,698 |
| Return on Equity (ROE) | -7.2241% | 6,696 |
| Retained earnings to average equity (ytd only) | -7.2241% | 6,583 |
| Net charge-offs to loans | 0.2017% | 2,548 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -6.6914% | 4,842 |
| Efficiency ratio | 123.7862% | 161 |
| Assets per employee ($millions) | 2.6694% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,490 |
| Loan loss allowance to noncurrent loans | 332.0124% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 3,120 |
| Noncurrent loans to loans | 0.4578% | 5,114 |
| Net loans and leases to total assets | 67.4863% | 2,339 |
| Net loans and leases to deposits | 75.6101% | 2,935 |
| Net loans and leases to core deposits | 79.7701% | 3,052 |
| Total domestic deposits to total assets | 89.2556% | 1,476 |
| Equity capital to assets | 10.0055% | 3,909 |
| Core capital (leverage) ratio | 9.9186% | 3,636 |
| Tier 1 risk-based capital ratio | 12.5512% | 5,467 |
| Total risk-based capital ratio | 13.7625% | 5,431 |
| Memoranda: | ||
| Average total assets | $612,533,670 | 1,095 |
| Average earning assets | $548,855,330 | 1,113 |
| Average equity | $64,755,330 | 1,118 |
| Average total loans | $401,667,000 | 1,057 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,788 |
| Cost of funding earning assets | 0.7536% | 1,818 |
| Net interest margin | 3.8598% | 2,245 |
| Noninterest income to average assets | -0.1484% | 6,940 |
| Noninterest expense to average assets | 4.3806% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0809% | 6,830 |
| Return on assets (ROA) | -0.8254% | 6,782 |
| Pretax return on assets | -0.8195% | 6,759 |
| Return on Equity (ROE) | -7.6008% | 6,753 |
| Retained earnings to average equity (ytd only) | -7.6008% | 6,503 |
| Net charge-offs to loans | 0.1353% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -12.4015% | 4,109 |
| Efficiency ratio | 130.6317% | 145 |
| Assets per employee ($millions) | 2.7122% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 2,963 |
| Loan loss allowance to noncurrent loans | 203.3878% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7422% | 2,680 |
| Noncurrent loans to loans | 0.8410% | 4,437 |
| Net loans and leases to total assets | 62.7577% | 2,926 |
| Net loans and leases to deposits | 70.8429% | 3,349 |
| Net loans and leases to core deposits | 74.8824% | 3,479 |
| Total domestic deposits to total assets | 88.5872% | 1,945 |
| Equity capital to assets | 10.6143% | 3,418 |
| Core capital (leverage) ratio | 10.2670% | 3,052 |
| Tier 1 risk-based capital ratio | 13.5531% | 4,832 |
| Total risk-based capital ratio | 14.7709% | 4,814 |
| Memoranda: | ||
| Average total assets | $609,145,000 | 1,112 |
| Average earning assets | $545,110,500 | 1,134 |
| Average equity | $66,150,500 | 1,110 |
| Average total loans | $390,300,000 | 1,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 881 |
| Cost of funding earning assets | 0.8651% | 2,183 |
| Net interest margin | 4.4616% | 1,019 |
| Noninterest income to average assets | 0.3978% | 4,629 |
| Noninterest expense to average assets | 4.8431% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4824% | 6,554 |
| Return on assets (ROA) | -0.3980% | 6,561 |
| Pretax return on assets | -0.3986% | 6,525 |
| Return on Equity (ROE) | -3.5190% | 6,522 |
| Retained earnings to average equity (ytd only) | -3.5190% | 6,309 |
| Net charge-offs to loans | 0.5894% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -1.1903% | 5,773 |
| Efficiency ratio | 109.4493% | 340 |
| Assets per employee ($millions) | 2.6087% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,692 |
| Loan loss allowance to noncurrent loans | 120.9171% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0703% | 2,367 |
| Noncurrent loans to loans | 1.4633% | 3,401 |
| Net loans and leases to total assets | 63.1641% | 3,020 |
| Net loans and leases to deposits | 71.6672% | 3,465 |
| Net loans and leases to core deposits | 75.6733% | 3,579 |
| Total domestic deposits to total assets | 88.1354% | 2,139 |
| Equity capital to assets | 11.1101% | 2,823 |
| Core capital (leverage) ratio | 10.5219% | 2,736 |
| Tier 1 risk-based capital ratio | 14.0531% | 4,345 |
| Total risk-based capital ratio | 15.2767% | 4,325 |
| Memoranda: | ||
| Average total assets | $613,842,000 | 1,082 |
| Average earning assets | $545,140,800 | 1,109 |
| Average equity | $69,423,600 | 1,014 |
| Average total loans | $422,640,800 | 990 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 733 |
| Cost of funding earning assets | 0.8917% | 2,228 |
| Net interest margin | 4.5749% | 857 |
| Noninterest income to average assets | 0.9289% | 1,739 |
| Noninterest expense to average assets | 4.8657% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1187% | 6,092 |
| Return on assets (ROA) | 0.2307% | 6,021 |
| Pretax return on assets | 0.2298% | 6,083 |
| Return on Equity (ROE) | 2.0311% | 6,014 |
| Retained earnings to average equity (ytd only) | 2.0311% | 5,307 |
| Net charge-offs to loans | 0.7287% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.2311% | 5,212 |
| Efficiency ratio | 96.1864% | 671 |
| Assets per employee ($millions) | 2.5747% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 2,887 |
| Loan loss allowance to noncurrent loans | 150.4953% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0966% | 2,541 |
| Noncurrent loans to loans | 1.1780% | 4,094 |
| Net loans and leases to total assets | 63.4617% | 3,124 |
| Net loans and leases to deposits | 72.3643% | 3,553 |
| Net loans and leases to core deposits | 76.6701% | 3,652 |
| Total domestic deposits to total assets | 87.6974% | 2,228 |
| Equity capital to assets | 11.6000% | 2,645 |
| Core capital (leverage) ratio | 11.0391% | 2,340 |
| Tier 1 risk-based capital ratio | 14.4663% | 4,211 |
| Total risk-based capital ratio | 15.7016% | 4,189 |
| Memoranda: | ||
| Average total assets | $616,649,000 | 1,081 |
| Average earning assets | $546,528,000 | 1,121 |
| Average equity | $70,041,750 | 1,008 |
| Average total loans | $431,428,000 | 975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 669 |
| Cost of funding earning assets | 0.9313% | 2,176 |
| Net interest margin | 4.6050% | 822 |
| Noninterest income to average assets | 0.9913% | 1,491 |
| Noninterest expense to average assets | 4.7971% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2699% | 5,704 |
| Return on assets (ROA) | 0.2699% | 5,902 |
| Pretax return on assets | 0.2728% | 6,017 |
| Return on Equity (ROE) | 2.3928% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.3928% | 4,996 |
| Net charge-offs to loans | 0.9396% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4048% | 4,875 |
| Efficiency ratio | 93.1786% | 851 |
| Assets per employee ($millions) | 2.5501% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 3,070 |
| Loan loss allowance to noncurrent loans | 141.4216% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2057% | 2,537 |
| Noncurrent loans to loans | 1.2308% | 4,086 |
| Net loans and leases to total assets | 67.5440% | 2,358 |
| Net loans and leases to deposits | 76.9717% | 2,838 |
| Net loans and leases to core deposits | 81.5561% | 3,012 |
| Total domestic deposits to total assets | 87.7517% | 2,309 |
| Equity capital to assets | 11.5486% | 2,545 |
| Core capital (leverage) ratio | 10.9693% | 2,330 |
| Tier 1 risk-based capital ratio | 13.8720% | 4,540 |
| Total risk-based capital ratio | 15.1253% | 4,510 |
| Memoranda: | ||
| Average total assets | $618,794,000 | 1,075 |
| Average earning assets | $548,059,330 | 1,112 |
| Average equity | $69,794,000 | 1,004 |
| Average total loans | $443,823,670 | 938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 726 |
| Cost of funding earning assets | 0.9663% | 2,186 |
| Net interest margin | 4.5541% | 906 |
| Noninterest income to average assets | 1.2293% | 942 |
| Noninterest expense to average assets | 4.7835% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4700% | 4,960 |
| Return on assets (ROA) | 0.4700% | 5,151 |
| Pretax return on assets | 0.4744% | 5,506 |
| Return on Equity (ROE) | 4.2157% | 5,191 |
| Retained earnings to average equity (ytd only) | 4.2157% | 4,063 |
| Net charge-offs to loans | 0.7490% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8657% | 3,899 |
| Efficiency ratio | 89.5762% | 1,135 |
| Assets per employee ($millions) | 2.5216% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9321% | 2,581 |
| Loan loss allowance to noncurrent loans | 107.6855% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9234% | 1,976 |
| Noncurrent loans to loans | 1.7942% | 3,420 |
| Net loans and leases to total assets | 70.0466% | 1,747 |
| Net loans and leases to deposits | 79.6793% | 2,247 |
| Net loans and leases to core deposits | 84.7443% | 2,446 |
| Total domestic deposits to total assets | 87.9107% | 2,381 |
| Equity capital to assets | 11.3608% | 2,571 |
| Core capital (leverage) ratio | 10.6348% | 2,613 |
| Tier 1 risk-based capital ratio | 13.3902% | 4,904 |
| Total risk-based capital ratio | 14.6459% | 4,893 |
| Memoranda: | ||
| Average total assets | $624,725,000 | 1,065 |
| Average earning assets | $552,650,500 | 1,103 |
| Average equity | $69,645,000 | 1,001 |
| Average total loans | $457,131,500 | 902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 4,851 |
| Cost of funding earning assets | 1.0853% | 2,768 |
| Net interest margin | 3.4710% | 5,249 |
| Noninterest income to average assets | 0.1879% | 6,154 |
| Noninterest expense to average assets | 4.8841% | 415 |
| Loan and lease loss provision to assets | 1.5696% | 459 |
| Net operating income to assets | -3.2038% | 7,206 |
| Return on assets (ROA) | -3.1801% | 7,203 |
| Pretax return on assets | -3.1835% | 7,205 |
| Return on Equity (ROE) | -27.0449% | 7,069 |
| Retained earnings to average equity (ytd only) | -27.0449% | 7,060 |
| Net charge-offs to loans | 2.5594% | 446 |
| Credit loss provision to net charge-offs | 91.2151% | 3,956 |
| Earnings coverage of net charge-offs (x) | -0.9517% | 6,188 |
| Efficiency ratio | 148.0054% | 148 |
| Assets per employee ($millions) | 2.5885% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 2,377 |
| Loan loss allowance to noncurrent loans | 58.0884% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 4.2485% | 1,317 |
| Noncurrent loans to loans | 3.3890% | 1,906 |
| Net loans and leases to total assets | 73.3939% | 1,377 |
| Net loans and leases to deposits | 83.2544% | 2,031 |
| Net loans and leases to core deposits | 88.8497% | 2,268 |
| Total domestic deposits to total assets | 88.1561% | 2,054 |
| Equity capital to assets | 10.9417% | 3,036 |
| Core capital (leverage) ratio | 10.5558% | 2,656 |
| Tier 1 risk-based capital ratio | 12.9760% | 5,089 |
| Total risk-based capital ratio | 14.2335% | 5,062 |
| Memoranda: | ||
| Average total assets | $637,027,400 | 1,019 |
| Average earning assets | $561,333,400 | 1,058 |
| Average equity | $74,905,000 | 899 |
| Average total loans | $428,305,600 | 975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 5,049 |
| Cost of funding earning assets | 1.1217% | 2,819 |
| Net interest margin | 3.4365% | 5,439 |
| Noninterest income to average assets | 0.1721% | 6,356 |
| Noninterest expense to average assets | 4.8319% | 428 |
| Loan and lease loss provision to assets | 1.5718% | 425 |
| Net operating income to assets | -3.1991% | 7,290 |
| Return on assets (ROA) | -3.1676% | 7,292 |
| Pretax return on assets | -3.1736% | 7,285 |
| Return on Equity (ROE) | -26.4812% | 7,175 |
| Retained earnings to average equity (ytd only) | -26.4812% | 7,166 |
| Net charge-offs to loans | 3.0872% | 302 |
| Credit loss provision to net charge-offs | 77.9229% | 4,213 |
| Earnings coverage of net charge-offs (x) | -0.8098% | 5,904 |
| Efficiency ratio | 148.5653% | 145 |
| Assets per employee ($millions) | 2.7076% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,338 |
| Loan loss allowance to noncurrent loans | 58.0183% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 4.2195% | 1,447 |
| Noncurrent loans to loans | 3.4471% | 1,992 |
| Net loans and leases to total assets | 64.6448% | 3,177 |
| Net loans and leases to deposits | 74.1577% | 3,636 |
| Net loans and leases to core deposits | 79.7926% | 3,669 |
| Total domestic deposits to total assets | 87.1721% | 2,541 |
| Equity capital to assets | 12.1169% | 2,159 |
| Core capital (leverage) ratio | 11.1750% | 2,262 |
| Tier 1 risk-based capital ratio | 15.6714% | 3,295 |
| Total risk-based capital ratio | 16.9284% | 3,254 |
| Memoranda: | ||
| Average total assets | $637,740,000 | 1,024 |
| Average earning assets | $561,642,500 | 1,062 |
| Average equity | $76,283,750 | 889 |
| Average total loans | $416,683,500 | 1,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 5,616 |
| Cost of funding earning assets | 1.1424% | 2,952 |
| Net interest margin | 3.2784% | 5,916 |
| Noninterest income to average assets | 0.1790% | 6,377 |
| Noninterest expense to average assets | 4.7353% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.6511% | 7,133 |
| Return on assets (ROA) | -1.6046% | 7,137 |
| Pretax return on assets | -1.6158% | 7,102 |
| Return on Equity (ROE) | -13.4710% | 7,023 |
| Retained earnings to average equity (ytd only) | -13.4710% | 6,987 |
| Net charge-offs to loans | 0.7776% | 1,948 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.2828% | 5,760 |
| Efficiency ratio | 151.4867% | 146 |
| Assets per employee ($millions) | 2.7600% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 2,197 |
| Loan loss allowance to noncurrent loans | 30.5882% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 7.1291% | 702 |
| Noncurrent loans to loans | 6.7490% | 794 |
| Net loans and leases to total assets | 64.5865% | 3,347 |
| Net loans and leases to deposits | 75.0389% | 3,643 |
| Net loans and leases to core deposits | 80.8400% | 3,670 |
| Total domestic deposits to total assets | 86.0707% | 3,287 |
| Equity capital to assets | 13.0988% | 1,471 |
| Core capital (leverage) ratio | 12.6133% | 1,317 |
| Tier 1 risk-based capital ratio | 16.9540% | 2,546 |
| Total risk-based capital ratio | 18.2114% | 2,508 |
| Memoranda: | ||
| Average total assets | $643,638,330 | 1,020 |
| Average earning assets | $568,086,000 | 1,061 |
| Average equity | $76,668,330 | 886 |
| Average total loans | $419,242,330 | 1,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 6,078 |
| Cost of funding earning assets | 1.1720% | 3,006 |
| Net interest margin | 3.1036% | 6,342 |
| Noninterest income to average assets | 0.4528% | 4,256 |
| Noninterest expense to average assets | 4.7177% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5142% | 7,204 |
| Return on assets (ROA) | -1.5142% | 7,205 |
| Pretax return on assets | -1.5099% | 7,164 |
| Return on Equity (ROE) | -13.3687% | 7,110 |
| Retained earnings to average equity (ytd only) | -13.3687% | 6,988 |
| Net charge-offs to loans | 0.9393% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -2.4832% | 4,977 |
| Efficiency ratio | 144.5237% | 192 |
| Assets per employee ($millions) | 2.4905% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 1,756 |
| Loan loss allowance to noncurrent loans | 25.7531% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 8.0698% | 587 |
| Noncurrent loans to loans | 8.9452% | 503 |
| Net loans and leases to total assets | 63.2755% | 3,593 |
| Net loans and leases to deposits | 72.1900% | 4,046 |
| Net loans and leases to core deposits | 77.1535% | 4,138 |
| Total domestic deposits to total assets | 87.6513% | 2,580 |
| Equity capital to assets | 11.5130% | 2,250 |
| Core capital (leverage) ratio | 10.6333% | 2,483 |
| Tier 1 risk-based capital ratio | 15.1382% | 3,351 |
| Total risk-based capital ratio | 16.3985% | 3,309 |
| Memoranda: | ||
| Average total assets | $646,672,000 | 1,025 |
| Average earning assets | $574,038,500 | 1,057 |
| Average equity | $73,245,500 | 921 |
| Average total loans | $418,631,000 | 1,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 6,287 |
| Cost of funding earning assets | 1.4242% | 3,109 |
| Net interest margin | 3.1158% | 6,476 |
| Noninterest income to average assets | 0.1018% | 6,886 |
| Noninterest expense to average assets | 4.8381% | 479 |
| Loan and lease loss provision to assets | 0.8826% | 1,854 |
| Net operating income to assets | -2.7833% | 7,244 |
| Return on assets (ROA) | -2.7833% | 7,265 |
| Pretax return on assets | -2.7795% | 7,240 |
| Return on Equity (ROE) | -26.7971% | 7,175 |
| Retained earnings to average equity (ytd only) | -26.7971% | 7,160 |
| Net charge-offs to loans | 3.4819% | 412 |
| Credit loss provision to net charge-offs | 36.7332% | 6,428 |
| Earnings coverage of net charge-offs (x) | -0.7894% | 6,548 |
| Efficiency ratio | 161.8582% | 158 |
| Assets per employee ($millions) | 2.6412% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,563 |
| Loan loss allowance to noncurrent loans | 26.7757% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 8.1051% | 607 |
| Noncurrent loans to loans | 8.9052% | 531 |
| Net loans and leases to total assets | 63.1640% | 4,036 |
| Net loans and leases to deposits | 71.8390% | 4,550 |
| Net loans and leases to core deposits | 76.8490% | 4,601 |
| Total domestic deposits to total assets | 87.9244% | 2,296 |
| Equity capital to assets | 11.1521% | 2,551 |
| Core capital (leverage) ratio | 10.1808% | 2,888 |
| Tier 1 risk-based capital ratio | 15.2564% | 3,125 |
| Total risk-based capital ratio | 16.5112% | 3,070 |
| Memoranda: | ||
| Average total assets | $748,323,800 | 905 |
| Average earning assets | $681,947,600 | 900 |
| Average equity | $77,724,800 | 849 |
| Average total loans | $516,407,600 | 874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 6,531 |
| Cost of funding earning assets | 1.4542% | 3,249 |
| Net interest margin | 3.0744% | 6,673 |
| Noninterest income to average assets | 0.2903% | 5,799 |
| Noninterest expense to average assets | 4.6714% | 504 |
| Loan and lease loss provision to assets | 1.0747% | 1,363 |
| Net operating income to assets | -2.6517% | 7,381 |
| Return on assets (ROA) | -2.6517% | 7,401 |
| Pretax return on assets | -2.6480% | 7,352 |
| Return on Equity (ROE) | -25.9458% | 7,328 |
| Retained earnings to average equity (ytd only) | -25.9458% | 7,319 |
| Net charge-offs to loans | 3.9162% | 318 |
| Credit loss provision to net charge-offs | 39.2334% | 6,024 |
| Earnings coverage of net charge-offs (x) | -0.5744% | 6,356 |
| Efficiency ratio | 148.3168% | 209 |
| Assets per employee ($millions) | 2.8887% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 1,212 |
| Loan loss allowance to noncurrent loans | 28.4511% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 8.4334% | 574 |
| Noncurrent loans to loans | 9.1292% | 516 |
| Net loans and leases to total assets | 63.8222% | 4,157 |
| Net loans and leases to deposits | 72.6801% | 4,742 |
| Net loans and leases to core deposits | 77.5756% | 4,856 |
| Total domestic deposits to total assets | 87.8125% | 2,085 |
| Equity capital to assets | 11.3264% | 2,679 |
| Core capital (leverage) ratio | 10.2947% | 2,927 |
| Tier 1 risk-based capital ratio | 15.1364% | 3,189 |
| Total risk-based capital ratio | 16.4009% | 3,155 |
| Memoranda: | ||
| Average total assets | $768,348,750 | 879 |
| Average earning assets | $701,695,750 | 881 |
| Average equity | $78,525,750 | 843 |
| Average total loans | $537,412,750 | 840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 6,479 |
| Cost of funding earning assets | 1.4771% | 3,384 |
| Net interest margin | 3.1148% | 6,564 |
| Noninterest income to average assets | 0.2887% | 5,838 |
| Noninterest expense to average assets | 4.5574% | 539 |
| Loan and lease loss provision to assets | 1.3019% | 1,053 |
| Net operating income to assets | -2.7189% | 7,464 |
| Return on assets (ROA) | -2.7189% | 7,473 |
| Pretax return on assets | -2.7154% | 7,419 |
| Return on Equity (ROE) | -27.4990% | 7,401 |
| Retained earnings to average equity (ytd only) | -27.4990% | 7,386 |
| Net charge-offs to loans | 3.9363% | 331 |
| Credit loss provision to net charge-offs | 46.4066% | 5,499 |
| Earnings coverage of net charge-offs (x) | -0.5038% | 6,016 |
| Efficiency ratio | 142.5410% | 241 |
| Assets per employee ($millions) | 2.9835% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0453% | 790 |
| Loan loss allowance to noncurrent loans | 28.5556% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 9.1979% | 475 |
| Noncurrent loans to loans | 10.6645% | 391 |
| Net loans and leases to total assets | 65.7143% | 3,892 |
| Net loans and leases to deposits | 74.7439% | 4,558 |
| Net loans and leases to core deposits | 81.4815% | 4,493 |
| Total domestic deposits to total assets | 87.9193% | 2,045 |
| Equity capital to assets | 11.1655% | 2,716 |
| Core capital (leverage) ratio | 10.2060% | 2,932 |
| Tier 1 risk-based capital ratio | 14.5788% | 3,396 |
| Total risk-based capital ratio | 15.8489% | 3,353 |
| Memoranda: | ||
| Average total assets | $787,593,000 | 865 |
| Average earning assets | $721,970,330 | 853 |
| Average equity | $77,872,000 | 839 |
| Average total loans | $561,342,000 | 814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 6,359 |
| Cost of funding earning assets | 1.5422% | 3,317 |
| Net interest margin | 3.1231% | 6,538 |
| Noninterest income to average assets | 0.2892% | 5,833 |
| Noninterest expense to average assets | 4.3777% | 653 |
| Loan and lease loss provision to assets | 1.3113% | 919 |
| Net operating income to assets | -2.5421% | 7,564 |
| Return on assets (ROA) | -2.5421% | 7,566 |
| Pretax return on assets | -2.5386% | 7,520 |
| Return on Equity (ROE) | -27.4027% | 7,536 |
| Retained earnings to average equity (ytd only) | -27.4027% | 7,500 |
| Net charge-offs to loans | 1.9246% | 894 |
| Credit loss provision to net charge-offs | 93.4070% | 3,583 |
| Earnings coverage of net charge-offs (x) | -0.8742% | 5,365 |
| Efficiency ratio | 136.5412% | 279 |
| Assets per employee ($millions) | 3.2955% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7763% | 443 |
| Loan loss allowance to noncurrent loans | 35.7569% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 9.7133% | 418 |
| Noncurrent loans to loans | 10.5609% | 386 |
| Net loans and leases to total assets | 68.9824% | 3,159 |
| Net loans and leases to deposits | 78.4364% | 3,958 |
| Net loans and leases to core deposits | 85.1041% | 4,032 |
| Total domestic deposits to total assets | 87.9468% | 2,096 |
| Equity capital to assets | 11.2256% | 2,558 |
| Core capital (leverage) ratio | 10.7011% | 2,452 |
| Tier 1 risk-based capital ratio | 14.0501% | 3,626 |
| Total risk-based capital ratio | 15.3290% | 3,568 |
| Memoranda: | ||
| Average total assets | $799,499,500 | 869 |
| Average earning assets | $732,467,500 | 854 |
| Average equity | $74,168,000 | 895 |
| Average total loans | $583,174,000 | 796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 5,488 |
| Cost of funding earning assets | 2.3291% | 1,541 |
| Net interest margin | 2.9057% | 6,856 |
| Noninterest income to average assets | 0.2575% | 6,269 |
| Noninterest expense to average assets | 9.0339% | 110 |
| Loan and lease loss provision to assets | 2.4540% | 813 |
| Net operating income to assets | -8.5837% | 7,948 |
| Return on assets (ROA) | -8.6683% | 7,952 |
| Pretax return on assets | -8.6481% | 7,937 |
| Return on Equity (ROE) | -91.5325% | 7,907 |
| Retained earnings to average equity (ytd only) | -91.5325% | 7,905 |
| Net charge-offs to loans | 1.3693% | 1,826 |
| Credit loss provision to net charge-offs | 230.5196% | 1,597 |
| Earnings coverage of net charge-offs (x) | -5.7390% | 7,120 |
| Efficiency ratio | 154.3229% | 289 |
| Assets per employee ($millions) | 3.1936% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6327% | 476 |
| Loan loss allowance to noncurrent loans | 41.3216% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 8.8352% | 458 |
| Noncurrent loans to loans | 8.7912% | 534 |
| Net loans and leases to total assets | 71.4842% | 2,890 |
| Net loans and leases to deposits | 77.8085% | 4,420 |
| Net loans and leases to core deposits | 121.3752% | 1,847 |
| Total domestic deposits to total assets | 91.8719% | 286 |
| Equity capital to assets | 7.3536% | 7,160 |
| Core capital (leverage) ratio | 6.4942% | 7,497 |
| Tier 1 risk-based capital ratio | 8.6299% | 7,567 |
| Total risk-based capital ratio | 9.9068% | 7,593 |
| Memoranda: | ||
| Average total assets | $842,413,400 | 803 |
| Average earning assets | $773,211,000 | 800 |
| Average equity | $79,778,200 | 812 |
| Average total loans | $654,934,600 | 712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 5,442 |
| Cost of funding earning assets | 2.4200% | 1,559 |
| Net interest margin | 2.8765% | 6,910 |
| Noninterest income to average assets | 0.3229% | 5,894 |
| Noninterest expense to average assets | 10.0925% | 99 |
| Loan and lease loss provision to assets | 1.9096% | 963 |
| Net operating income to assets | -9.0711% | 8,029 |
| Return on assets (ROA) | -9.0705% | 8,029 |
| Pretax return on assets | -9.0361% | 8,027 |
| Return on Equity (ROE) | -90.9770% | 7,993 |
| Retained earnings to average equity (ytd only) | -90.9770% | 7,992 |
| Net charge-offs to loans | 1.2787% | 1,608 |
| Credit loss provision to net charge-offs | 190.0312% | 2,392 |
| Earnings coverage of net charge-offs (x) | -7.0925% | 6,877 |
| Efficiency ratio | 140.1689% | 382 |
| Assets per employee ($millions) | 2.9994% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 1,059 |
| Loan loss allowance to noncurrent loans | 37.7283% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 6.2279% | 842 |
| Noncurrent loans to loans | 6.6302% | 860 |
| Net loans and leases to total assets | 71.8636% | 3,069 |
| Net loans and leases to deposits | 79.2524% | 4,523 |
| Net loans and leases to core deposits | 122.1918% | 2,051 |
| Total domestic deposits to total assets | 90.6769% | 525 |
| Equity capital to assets | 8.6277% | 6,075 |
| Core capital (leverage) ratio | 8.2230% | 5,977 |
| Tier 1 risk-based capital ratio | 10.3442% | 6,629 |
| Total risk-based capital ratio | 11.6079% | 6,558 |
| Memoranda: | ||
| Average total assets | $851,822,500 | 809 |
| Average earning assets | $782,510,750 | 801 |
| Average equity | $84,927,750 | 760 |
| Average total loans | $669,424,750 | 717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 4,890 |
| Cost of funding earning assets | 2.5539% | 1,430 |
| Net interest margin | 2.8974% | 6,807 |
| Noninterest income to average assets | 0.2555% | 6,447 |
| Noninterest expense to average assets | 12.8305% | 85 |
| Loan and lease loss provision to assets | 1.0049% | 1,675 |
| Net operating income to assets | -10.9769% | 8,140 |
| Return on assets (ROA) | -10.9769% | 8,134 |
| Pretax return on assets | -10.9252% | 8,120 |
| Return on Equity (ROE) | -105.3478% | 8,082 |
| Retained earnings to average equity (ytd only) | -105.3478% | 8,081 |
| Net charge-offs to loans | 0.7358% | 2,209 |
| Credit loss provision to net charge-offs | 170.2509% | 2,701 |
| Earnings coverage of net charge-offs (x) | -16.8068% | 6,556 |
| Efficiency ratio | 135.8724% | 473 |
| Assets per employee ($millions) | 2.8762% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,172 |
| Loan loss allowance to noncurrent loans | 32.1913% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 4.8371% | 1,130 |
| Noncurrent loans to loans | 5.4453% | 1,067 |
| Net loans and leases to total assets | 79.4692% | 1,409 |
| Net loans and leases to deposits | 89.0787% | 2,979 |
| Net loans and leases to core deposits | 132.5942% | 1,397 |
| Total domestic deposits to total assets | 89.2124% | 1,162 |
| Equity capital to assets | 10.1352% | 3,783 |
| Core capital (leverage) ratio | 9.7310% | 3,597 |
| Tier 1 risk-based capital ratio | 11.8746% | 5,020 |
| Total risk-based capital ratio | 13.1307% | 4,929 |
| Memoranda: | ||
| Average total assets | $850,819,330 | 826 |
| Average earning assets | $779,522,000 | 821 |
| Average equity | $88,653,000 | 746 |
| Average total loans | $682,541,670 | 723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 4,836 |
| Cost of funding earning assets | 2.6797% | 1,325 |
| Net interest margin | 2.8339% | 6,917 |
| Noninterest income to average assets | 0.2747% | 6,232 |
| Noninterest expense to average assets | 21.4622% | 53 |
| Loan and lease loss provision to assets | 0.1624% | 4,859 |
| Net operating income to assets | -18.8020% | 8,220 |
| Return on assets (ROA) | -18.8020% | 8,213 |
| Pretax return on assets | -18.7756% | 8,208 |
| Return on Equity (ROE) | -178.1104% | 8,186 |
| Retained earnings to average equity (ytd only) | -178.1104% | 8,184 |
| Net charge-offs to loans | 0.4582% | 2,302 |
| Credit loss provision to net charge-offs | 44.3599% | 4,759 |
| Earnings coverage of net charge-offs (x) | -50.8416% | 5,695 |
| Efficiency ratio | 145.0489% | 385 |
| Assets per employee ($millions) | 2.7648% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,576 |
| Loan loss allowance to noncurrent loans | 88.5486% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6984% | 3,375 |
| Noncurrent loans to loans | 1.5649% | 3,937 |
| Net loans and leases to total assets | 78.7241% | 1,639 |
| Net loans and leases to deposits | 86.6812% | 3,527 |
| Net loans and leases to core deposits | 129.0614% | 1,714 |
| Total domestic deposits to total assets | 90.8202% | 473 |
| Equity capital to assets | 8.4835% | 6,098 |
| Core capital (leverage) ratio | 8.0637% | 6,363 |
| Tier 1 risk-based capital ratio | 9.7977% | 7,145 |
| Total risk-based capital ratio | 11.0493% | 7,043 |
| Memoranda: | ||
| Average total assets | $862,055,500 | 815 |
| Average earning assets | $783,079,000 | 821 |
| Average equity | $91,002,000 | 727 |
| Average total loans | $688,799,500 | 723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1169% | 166 |
| Cost of funding earning assets | 3.9207% | 128 |
| Net interest margin | 4.1962% | 2,326 |
| Noninterest income to average assets | 0.5569% | 4,186 |
| Noninterest expense to average assets | 4.8428% | 690 |
| Loan and lease loss provision to assets | 1.3502% | 1,046 |
| Net operating income to assets | -1.7933% | 7,557 |
| Return on assets (ROA) | -1.7933% | 7,511 |
| Pretax return on assets | -1.7680% | 7,363 |
| Return on Equity (ROE) | -15.7200% | 7,614 |
| Retained earnings to average equity (ytd only) | -15.7200% | 7,499 |
| Net charge-offs to loans | 0.3369% | 3,146 |
| Credit loss provision to net charge-offs | 475.6663% | 926 |
| Earnings coverage of net charge-offs (x) | -1.4716% | 6,659 |
| Efficiency ratio | 106.8758% | 789 |
| Assets per employee ($millions) | 3.7958% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,356 |
| Loan loss allowance to noncurrent loans | 83.7337% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 2,838 |
| Noncurrent loans to loans | 1.8776% | 2,943 |
| Net loans and leases to total assets | 84.8337% | 752 |
| Net loans and leases to deposits | 96.1064% | 2,433 |
| Net loans and leases to core deposits | 139.0893% | 1,313 |
| Total domestic deposits to total assets | 88.2706% | 1,354 |
| Equity capital to assets | 11.1779% | 2,893 |
| Core capital (leverage) ratio | 8.3745% | 5,809 |
| Tier 1 risk-based capital ratio | 9.0340% | 7,758 |
| Total risk-based capital ratio | 10.2878% | 7,736 |
| Memoranda: | ||
| Average total assets | $304,019,200 | 2,182 |
| Average earning assets | $280,254,200 | 2,169 |
| Average equity | $34,682,000 | 1,957 |
| Average total loans | $256,123,400 | 1,871 |