Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 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 | 5.2387% | 568 |
| Cost of funding earning assets | 0.7945% | 1,559 |
| Net interest margin | 4.4442% | 743 |
| Noninterest income to average assets | 0.4078% | 4,403 |
| Noninterest expense to average assets | 4.5199% | 525 |
| Loan and lease loss provision to assets | 0.3852% | 818 |
| Net operating income to assets | -0.3361% | 6,599 |
| Return on assets (ROA) | -0.3361% | 6,628 |
| Pretax return on assets | -0.3361% | 6,611 |
| Return on Equity (ROE) | -2.8652% | 6,606 |
| Retained earnings to average equity (ytd only) | -2.8652% | 6,177 |
| Net charge-offs to loans | 0.2936% | 1,792 |
| Credit loss provision to net charge-offs | 175.8621% | 1,212 |
| Earnings coverage of net charge-offs (x) | 0.2241% | 3,741 |
| Efficiency ratio | 98.9256% | 589 |
| Assets per employee ($millions) | 4.2232% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,922 |
| Loan loss allowance to noncurrent loans | 56.6485% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.0945% | 958 |
| Noncurrent loans to loans | 2.6001% | 1,984 |
| Net loans and leases to total assets | 72.6066% | 1,263 |
| Net loans and leases to deposits | 90.8442% | 900 |
| Net loans and leases to core deposits | 95.4110% | 1,237 |
| Total domestic deposits to total assets | 79.9242% | 5,766 |
| Equity capital to assets | 11.6641% | 2,281 |
| Core capital (leverage) ratio | 11.6796% | 1,764 |
| Tier 1 risk-based capital ratio | 16.4833% | 3,012 |
| Total risk-based capital ratio | 17.4329% | 3,114 |
| Memoranda: | ||
| Average total assets | $105,931,000 | 4,720 |
| Average earning assets | $99,185,500 | 4,653 |
| Average equity | $12,425,000 | 4,490 |
| Average total loans | $79,025,000 | 4,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 640 |
| Cost of funding earning assets | 0.9612% | 1,578 |
| Net interest margin | 4.5251% | 899 |
| Noninterest income to average assets | -0.2838% | 6,990 |
| Noninterest expense to average assets | 3.6360% | 1,532 |
| Loan and lease loss provision to assets | 0.5255% | 1,105 |
| Net operating income to assets | -0.1718% | 6,354 |
| Return on assets (ROA) | -0.1473% | 6,419 |
| Pretax return on assets | -0.2255% | 6,433 |
| Return on Equity (ROE) | -1.2927% | 6,406 |
| Retained earnings to average equity (ytd only) | -1.2927% | 6,060 |
| Net charge-offs to loans | 0.9621% | 1,148 |
| Credit loss provision to net charge-offs | 73.8636% | 4,044 |
| Earnings coverage of net charge-offs (x) | 0.3687% | 5,296 |
| Efficiency ratio | 93.2719% | 843 |
| Assets per employee ($millions) | 3.7958% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,292 |
| Loan loss allowance to noncurrent loans | 69.1343% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.6187% | 1,240 |
| Noncurrent loans to loans | 1.9864% | 2,712 |
| Net loans and leases to total assets | 74.4660% | 1,130 |
| Net loans and leases to deposits | 91.9338% | 915 |
| Net loans and leases to core deposits | 96.4571% | 1,264 |
| Total domestic deposits to total assets | 80.9996% | 5,407 |
| Equity capital to assets | 11.7941% | 2,187 |
| Core capital (leverage) ratio | 11.7877% | 1,673 |
| Tier 1 risk-based capital ratio | 16.4618% | 2,916 |
| Total risk-based capital ratio | 17.7223% | 2,876 |
| Memoranda: | ||
| Average total assets | $111,330,400 | 4,563 |
| Average earning assets | $102,892,200 | 4,517 |
| Average equity | $12,687,000 | 4,422 |
| Average total loans | $82,316,200 | 3,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 706 |
| Cost of funding earning assets | 0.9861% | 1,644 |
| Net interest margin | 4.4973% | 994 |
| Noninterest income to average assets | -0.1101% | 7,032 |
| Noninterest expense to average assets | 3.6402% | 1,476 |
| Loan and lease loss provision to assets | 0.1954% | 3,132 |
| Net operating income to assets | 0.1306% | 6,070 |
| Return on assets (ROA) | 0.1634% | 6,152 |
| Pretax return on assets | 0.2463% | 6,052 |
| Return on Equity (ROE) | 1.4460% | 6,166 |
| Retained earnings to average equity (ytd only) | 1.4460% | 5,604 |
| Net charge-offs to loans | 0.3300% | 2,812 |
| Credit loss provision to net charge-offs | 80.4878% | 3,602 |
| Earnings coverage of net charge-offs (x) | 1.6146% | 4,475 |
| Efficiency ratio | 90.2790% | 1,021 |
| Assets per employee ($millions) | 3.9351% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,441 |
| Loan loss allowance to noncurrent loans | 45.6475% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 5.0426% | 884 |
| Noncurrent loans to loans | 3.5532% | 1,528 |
| Net loans and leases to total assets | 69.8571% | 1,932 |
| Net loans and leases to deposits | 87.6821% | 1,394 |
| Net loans and leases to core deposits | 91.3439% | 1,845 |
| Total domestic deposits to total assets | 79.6709% | 5,735 |
| Equity capital to assets | 11.6407% | 2,607 |
| Core capital (leverage) ratio | 11.7898% | 1,775 |
| Tier 1 risk-based capital ratio | 16.8383% | 2,818 |
| Total risk-based capital ratio | 18.0552% | 2,788 |
| Memoranda: | ||
| Average total assets | $112,592,500 | 4,572 |
| Average earning assets | $103,703,250 | 4,552 |
| Average equity | $12,725,000 | 4,458 |
| Average total loans | $82,833,750 | 3,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 696 |
| Cost of funding earning assets | 1.0225% | 1,632 |
| Net interest margin | 4.4929% | 1,006 |
| Noninterest income to average assets | -0.2310% | 7,137 |
| Noninterest expense to average assets | 3.5663% | 1,648 |
| Loan and lease loss provision to assets | 0.2646% | 2,462 |
| Net operating income to assets | 0.0450% | 6,264 |
| Return on assets (ROA) | 0.0741% | 6,357 |
| Pretax return on assets | 0.1129% | 6,305 |
| Return on Equity (ROE) | 0.6619% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.6619% | 5,797 |
| Net charge-offs to loans | 0.4741% | 2,169 |
| Credit loss provision to net charge-offs | 75.0000% | 3,453 |
| Earnings coverage of net charge-offs (x) | 0.9450% | 4,565 |
| Efficiency ratio | 91.4518% | 966 |
| Assets per employee ($millions) | 3.8295% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,750 |
| Loan loss allowance to noncurrent loans | 45.5994% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 5.3262% | 859 |
| Noncurrent loans to loans | 3.4185% | 1,694 |
| Net loans and leases to total assets | 71.5934% | 1,627 |
| Net loans and leases to deposits | 89.5855% | 1,187 |
| Net loans and leases to core deposits | 92.7542% | 1,709 |
| Total domestic deposits to total assets | 79.9163% | 5,762 |
| Equity capital to assets | 11.4970% | 2,600 |
| Core capital (leverage) ratio | 11.3602% | 2,002 |
| Tier 1 risk-based capital ratio | 16.2078% | 3,061 |
| Total risk-based capital ratio | 17.4720% | 3,017 |
| Memoranda: | ||
| Average total assets | $113,396,000 | 4,579 |
| Average earning assets | $104,254,000 | 4,560 |
| Average equity | $12,691,330 | 4,460 |
| Average total loans | $84,365,330 | 3,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 719 |
| Cost of funding earning assets | 1.0489% | 1,681 |
| Net interest margin | 4.4796% | 1,054 |
| Noninterest income to average assets | -0.6250% | 7,261 |
| Noninterest expense to average assets | 3.4321% | 1,931 |
| Loan and lease loss provision to assets | 0.1571% | 3,416 |
| Net operating income to assets | -0.0838% | 6,513 |
| Return on assets (ROA) | 0.0035% | 6,518 |
| Pretax return on assets | 0.0035% | 6,522 |
| Return on Equity (ROE) | 0.0316% | 6,519 |
| Retained earnings to average equity (ytd only) | 0.0316% | 5,964 |
| Net charge-offs to loans | 0.4967% | 1,849 |
| Credit loss provision to net charge-offs | 42.0561% | 3,421 |
| Earnings coverage of net charge-offs (x) | 0.1963% | 4,268 |
| Efficiency ratio | 97.9084% | 638 |
| Assets per employee ($millions) | 3.8245% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,437 |
| Loan loss allowance to noncurrent loans | 49.0752% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 5.0316% | 1,035 |
| Noncurrent loans to loans | 2.9281% | 2,208 |
| Net loans and leases to total assets | 74.5474% | 983 |
| Net loans and leases to deposits | 92.1919% | 782 |
| Net loans and leases to core deposits | 95.3067% | 1,349 |
| Total domestic deposits to total assets | 80.8611% | 5,645 |
| Equity capital to assets | 10.9644% | 2,946 |
| Core capital (leverage) ratio | 11.1769% | 2,127 |
| Tier 1 risk-based capital ratio | 15.2066% | 3,619 |
| Total risk-based capital ratio | 16.4598% | 3,578 |
| Memoranda: | ||
| Average total assets | $114,566,500 | 4,579 |
| Average earning assets | $105,633,500 | 4,554 |
| Average equity | $12,653,000 | 4,472 |
| Average total loans | $86,164,500 | 3,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 1,257 |
| Cost of funding earning assets | 1.2416% | 1,778 |
| Net interest margin | 4.2218% | 1,990 |
| Noninterest income to average assets | 0.1342% | 6,482 |
| Noninterest expense to average assets | 3.3850% | 2,281 |
| Loan and lease loss provision to assets | 0.2121% | 4,069 |
| Net operating income to assets | 0.2657% | 5,383 |
| Return on assets (ROA) | 0.2892% | 5,450 |
| Pretax return on assets | 0.4407% | 5,166 |
| Return on Equity (ROE) | 2.6484% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.6484% | 4,346 |
| Net charge-offs to loans | 0.8945% | 1,944 |
| Credit loss provision to net charge-offs | 32.7540% | 5,749 |
| Earnings coverage of net charge-offs (x) | 0.9532% | 5,087 |
| Efficiency ratio | 84.5771% | 1,700 |
| Assets per employee ($millions) | 3.8133% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,887 |
| Loan loss allowance to noncurrent loans | 56.0840% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 5.2702% | 986 |
| Noncurrent loans to loans | 2.7282% | 2,387 |
| Net loans and leases to total assets | 73.6385% | 1,336 |
| Net loans and leases to deposits | 91.2124% | 1,034 |
| Net loans and leases to core deposits | 94.0421% | 1,694 |
| Total domestic deposits to total assets | 80.7331% | 5,535 |
| Equity capital to assets | 11.1243% | 2,865 |
| Core capital (leverage) ratio | 11.1735% | 2,142 |
| Tier 1 risk-based capital ratio | 15.6001% | 3,268 |
| Total risk-based capital ratio | 16.8540% | 3,220 |
| Memoranda: | ||
| Average total assets | $115,510,800 | 4,511 |
| Average earning assets | $105,832,600 | 4,507 |
| Average equity | $12,611,400 | 4,415 |
| Average total loans | $83,621,600 | 4,033 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4688% | 1,340 |
| Cost of funding earning assets | 1.2760% | 1,837 |
| Net interest margin | 4.1928% | 2,131 |
| Noninterest income to average assets | 0.1750% | 6,332 |
| Noninterest expense to average assets | 3.3520% | 2,343 |
| Loan and lease loss provision to assets | 0.1911% | 4,113 |
| Net operating income to assets | 0.3084% | 5,368 |
| Return on assets (ROA) | 0.3259% | 5,471 |
| Pretax return on assets | 0.4951% | 5,177 |
| Return on Equity (ROE) | 2.9987% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,554 |
| Net charge-offs to loans | 1.1482% | 1,373 |
| Credit loss provision to net charge-offs | 23.1844% | 5,518 |
| Earnings coverage of net charge-offs (x) | 0.8003% | 5,015 |
| Efficiency ratio | 83.5534% | 1,779 |
| Assets per employee ($millions) | 3.8161% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,122 |
| Loan loss allowance to noncurrent loans | 49.8420% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 5.2637% | 1,084 |
| Noncurrent loans to loans | 3.0003% | 2,300 |
| Net loans and leases to total assets | 72.6125% | 1,583 |
| Net loans and leases to deposits | 90.2693% | 1,182 |
| Net loans and leases to core deposits | 93.0625% | 1,879 |
| Total domestic deposits to total assets | 80.4399% | 5,612 |
| Equity capital to assets | 11.1379% | 3,011 |
| Core capital (leverage) ratio | 11.1846% | 2,244 |
| Tier 1 risk-based capital ratio | 16.2125% | 3,010 |
| Total risk-based capital ratio | 17.4481% | 2,978 |
| Memoranda: | ||
| Average total assets | $115,789,000 | 4,540 |
| Average earning assets | $105,956,000 | 4,528 |
| Average equity | $12,582,750 | 4,432 |
| Average total loans | $83,139,500 | 4,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 1,338 |
| Cost of funding earning assets | 1.3177% | 1,837 |
| Net interest margin | 4.1654% | 2,171 |
| Noninterest income to average assets | 0.2667% | 5,745 |
| Noninterest expense to average assets | 3.3762% | 2,325 |
| Loan and lease loss provision to assets | 0.2426% | 3,478 |
| Net operating income to assets | 0.3046% | 5,359 |
| Return on assets (ROA) | 0.3046% | 5,492 |
| Pretax return on assets | 0.4612% | 5,187 |
| Return on Equity (ROE) | 2.8260% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.8260% | 4,487 |
| Net charge-offs to loans | 1.6972% | 848 |
| Credit loss provision to net charge-offs | 20.0855% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.5826% | 4,866 |
| Efficiency ratio | 82.7499% | 1,986 |
| Assets per employee ($millions) | 3.8444% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,848 |
| Loan loss allowance to noncurrent loans | 36.4298% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 6.4284% | 834 |
| Noncurrent loans to loans | 4.2924% | 1,572 |
| Net loans and leases to total assets | 68.2811% | 2,561 |
| Net loans and leases to deposits | 84.6774% | 1,996 |
| Net loans and leases to core deposits | 88.2541% | 2,611 |
| Total domestic deposits to total assets | 80.6368% | 5,640 |
| Equity capital to assets | 11.0126% | 2,935 |
| Core capital (leverage) ratio | 10.8822% | 2,350 |
| Tier 1 risk-based capital ratio | 15.2248% | 3,383 |
| Total risk-based capital ratio | 16.4759% | 3,348 |
| Memoranda: | ||
| Average total assets | $116,224,330 | 4,555 |
| Average earning assets | $106,400,000 | 4,553 |
| Average equity | $12,526,670 | 4,429 |
| Average total loans | $82,722,330 | 4,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 885 |
| Cost of funding earning assets | 1.3664% | 1,796 |
| Net interest margin | 4.3312% | 1,463 |
| Noninterest income to average assets | 0.2297% | 6,080 |
| Noninterest expense to average assets | 3.3085% | 2,533 |
| Loan and lease loss provision to assets | 0.2777% | 2,932 |
| Net operating income to assets | 0.4046% | 4,927 |
| Return on assets (ROA) | 0.4046% | 5,013 |
| Pretax return on assets | 0.6103% | 4,646 |
| Return on Equity (ROE) | 3.7944% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.7944% | 3,899 |
| Net charge-offs to loans | 1.3606% | 1,016 |
| Credit loss provision to net charge-offs | 28.3217% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.9056% | 3,972 |
| Efficiency ratio | 78.8399% | 2,711 |
| Assets per employee ($millions) | 4.0714% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 2,561 |
| Loan loss allowance to noncurrent loans | 57.3110% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 5.5535% | 1,084 |
| Noncurrent loans to loans | 3.3883% | 2,213 |
| Net loans and leases to total assets | 68.7287% | 2,398 |
| Net loans and leases to deposits | 84.4403% | 1,963 |
| Net loans and leases to core deposits | 87.8881% | 2,615 |
| Total domestic deposits to total assets | 81.3932% | 5,536 |
| Equity capital to assets | 10.5903% | 3,090 |
| Core capital (leverage) ratio | 10.8658% | 2,301 |
| Tier 1 risk-based capital ratio | 15.1794% | 3,328 |
| Total risk-based capital ratio | 16.4353% | 3,281 |
| Memoranda: | ||
| Average total assets | $116,670,500 | 4,573 |
| Average earning assets | $106,852,000 | 4,566 |
| Average equity | $12,439,500 | 4,459 |
| Average total loans | $84,083,000 | 4,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 3,163 |
| Cost of funding earning assets | 1.6819% | 1,679 |
| Net interest margin | 3.6115% | 4,760 |
| Noninterest income to average assets | 0.0226% | 7,211 |
| Noninterest expense to average assets | 3.3299% | 2,641 |
| Loan and lease loss provision to assets | 1.1030% | 1,446 |
| Net operating income to assets | -0.6519% | 6,484 |
| Return on assets (ROA) | -0.6519% | 6,517 |
| Pretax return on assets | -1.0820% | 6,681 |
| Return on Equity (ROE) | -6.5731% | 6,532 |
| Retained earnings to average equity (ytd only) | -6.5731% | 6,432 |
| Net charge-offs to loans | 1.6709% | 1,299 |
| Credit loss provision to net charge-offs | 87.9100% | 5,209 |
| Earnings coverage of net charge-offs (x) | 0.0167% | 6,106 |
| Efficiency ratio | 99.3739% | 802 |
| Assets per employee ($millions) | 3.8424% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 2,020 |
| Loan loss allowance to noncurrent loans | 65.9869% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 5.5391% | 1,114 |
| Noncurrent loans to loans | 3.2150% | 2,363 |
| Net loans and leases to total assets | 72.5239% | 1,977 |
| Net loans and leases to deposits | 89.4403% | 1,594 |
| Net loans and leases to core deposits | 93.4673% | 2,327 |
| Total domestic deposits to total assets | 81.0863% | 5,498 |
| Equity capital to assets | 10.7356% | 2,917 |
| Core capital (leverage) ratio | 10.8517% | 2,267 |
| Tier 1 risk-based capital ratio | 15.0537% | 3,211 |
| Total risk-based capital ratio | 16.2405% | 3,210 |
| Memoranda: | ||
| Average total assets | $123,936,200 | 4,402 |
| Average earning assets | $114,218,800 | 4,368 |
| Average equity | $12,292,600 | 4,529 |
| Average total loans | $93,062,200 | 3,978 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 3,396 |
| Cost of funding earning assets | 1.7386% | 1,683 |
| Net interest margin | 3.5518% | 5,106 |
| Noninterest income to average assets | -0.0095% | 7,463 |
| Noninterest expense to average assets | 3.5727% | 1,846 |
| Loan and lease loss provision to assets | 1.3502% | 1,013 |
| Net operating income to assets | -1.0933% | 6,945 |
| Return on assets (ROA) | -1.0933% | 6,979 |
| Pretax return on assets | -1.6579% | 7,088 |
| Return on Equity (ROE) | -11.2339% | 6,976 |
| Retained earnings to average equity (ytd only) | -11.2339% | 6,933 |
| Net charge-offs to loans | 1.4782% | 1,362 |
| Credit loss provision to net charge-offs | 121.2726% | 3,394 |
| Earnings coverage of net charge-offs (x) | -0.2764% | 6,229 |
| Efficiency ratio | 109.4236% | 538 |
| Assets per employee ($millions) | 4.0049% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5665% | 1,248 |
| Loan loss allowance to noncurrent loans | 49.3893% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 7.0956% | 759 |
| Noncurrent loans to loans | 5.1965% | 1,310 |
| Net loans and leases to total assets | 72.6949% | 2,079 |
| Net loans and leases to deposits | 89.9637% | 1,725 |
| Net loans and leases to core deposits | 93.6415% | 2,574 |
| Total domestic deposits to total assets | 80.8047% | 5,450 |
| Equity capital to assets | 10.5215% | 3,488 |
| Core capital (leverage) ratio | 10.2368% | 2,995 |
| Tier 1 risk-based capital ratio | 14.7228% | 3,380 |
| Total risk-based capital ratio | 15.8191% | 3,445 |
| Memoranda: | ||
| Average total assets | $126,102,500 | 4,413 |
| Average earning assets | $116,258,500 | 4,379 |
| Average equity | $12,272,000 | 4,607 |
| Average total loans | $94,975,000 | 4,001 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 3,679 |
| Cost of funding earning assets | 1.8028% | 1,631 |
| Net interest margin | 3.4534% | 5,433 |
| Noninterest income to average assets | 0.0974% | 7,105 |
| Noninterest expense to average assets | 3.4414% | 2,162 |
| Loan and lease loss provision to assets | 0.2318% | 4,598 |
| Net operating income to assets | -0.2534% | 6,417 |
| Return on assets (ROA) | -0.2534% | 6,460 |
| Pretax return on assets | -0.3848% | 6,502 |
| Return on Equity (ROE) | -2.6690% | 6,484 |
| Retained earnings to average equity (ytd only) | -2.6690% | 6,248 |
| Net charge-offs to loans | 1.0742% | 1,751 |
| Credit loss provision to net charge-offs | 28.5714% | 5,756 |
| Earnings coverage of net charge-offs (x) | -0.1886% | 5,864 |
| Efficiency ratio | 104.6523% | 664 |
| Assets per employee ($millions) | 4.1767% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,819 |
| Loan loss allowance to noncurrent loans | 29.4384% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 7.1739% | 725 |
| Noncurrent loans to loans | 6.0102% | 1,062 |
| Net loans and leases to total assets | 72.0012% | 2,401 |
| Net loans and leases to deposits | 90.5622% | 1,764 |
| Net loans and leases to core deposits | 94.0477% | 2,706 |
| Total domestic deposits to total assets | 79.5047% | 5,889 |
| Equity capital to assets | 10.4508% | 3,478 |
| Core capital (leverage) ratio | 10.0600% | 3,103 |
| Tier 1 risk-based capital ratio | 14.4727% | 3,462 |
| Total risk-based capital ratio | 15.7251% | 3,423 |
| Memoranda: | ||
| Average total assets | $129,422,330 | 4,369 |
| Average earning assets | $119,591,330 | 4,323 |
| Average equity | $12,289,330 | 4,599 |
| Average total loans | $97,748,670 | 3,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 3,806 |
| Cost of funding earning assets | 1.9588% | 1,216 |
| Net interest margin | 3.2866% | 6,017 |
| Noninterest income to average assets | 0.2251% | 6,349 |
| Noninterest expense to average assets | 3.3799% | 2,294 |
| Loan and lease loss provision to assets | 0.2738% | 3,837 |
| Net operating income to assets | -0.2495% | 6,602 |
| Return on assets (ROA) | -0.2495% | 6,669 |
| Pretax return on assets | -0.3864% | 6,711 |
| Return on Equity (ROE) | -2.7594% | 6,719 |
| Retained earnings to average equity (ytd only) | -2.7594% | 6,329 |
| Net charge-offs to loans | 1.5571% | 1,117 |
| Credit loss provision to net charge-offs | 22.9592% | 4,914 |
| Earnings coverage of net charge-offs (x) | -0.0944% | 5,094 |
| Efficiency ratio | 103.4451% | 738 |
| Assets per employee ($millions) | 4.5869% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 2,905 |
| Loan loss allowance to noncurrent loans | 30.0265% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 7.6409% | 657 |
| Noncurrent loans to loans | 5.8182% | 1,149 |
| Net loans and leases to total assets | 71.7909% | 2,504 |
| Net loans and leases to deposits | 89.9574% | 1,909 |
| Net loans and leases to core deposits | 93.1905% | 2,953 |
| Total domestic deposits to total assets | 79.8054% | 5,855 |
| Equity capital to assets | 9.8368% | 4,068 |
| Core capital (leverage) ratio | 9.6796% | 3,544 |
| Tier 1 risk-based capital ratio | 13.2006% | 4,208 |
| Total risk-based capital ratio | 14.4546% | 4,157 |
| Memoranda: | ||
| Average total assets | $131,482,500 | 4,372 |
| Average earning assets | $121,706,500 | 4,334 |
| Average equity | $11,886,500 | 4,745 |
| Average total loans | $100,701,000 | 3,939 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 1,384 |
| Cost of funding earning assets | 2.5097% | 1,005 |
| Net interest margin | 3.6361% | 4,403 |
| Noninterest income to average assets | 0.2662% | 6,209 |
| Noninterest expense to average assets | 2.6311% | 5,664 |
| Loan and lease loss provision to assets | 2.0512% | 1,039 |
| Net operating income to assets | -0.6651% | 6,326 |
| Return on assets (ROA) | -0.6651% | 6,329 |
| Pretax return on assets | -0.9964% | 6,406 |
| Return on Equity (ROE) | -7.5797% | 6,434 |
| Retained earnings to average equity (ytd only) | -7.5797% | 6,296 |
| Net charge-offs to loans | 2.3441% | 985 |
| Credit loss provision to net charge-offs | 103.0443% | 5,361 |
| Earnings coverage of net charge-offs (x) | 0.5299% | 5,583 |
| Efficiency ratio | 71.3840% | 4,372 |
| Assets per employee ($millions) | 4.8127% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 2,216 |
| Loan loss allowance to noncurrent loans | 27.0819% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 7.8649% | 584 |
| Noncurrent loans to loans | 7.0869% | 785 |
| Net loans and leases to total assets | 78.6547% | 1,255 |
| Net loans and leases to deposits | 96.0773% | 1,319 |
| Net loans and leases to core deposits | 132.8381% | 1,121 |
| Total domestic deposits to total assets | 81.8660% | 5,009 |
| Equity capital to assets | 8.2251% | 6,312 |
| Core capital (leverage) ratio | 8.1235% | 5,952 |
| Tier 1 risk-based capital ratio | 10.9597% | 5,953 |
| Total risk-based capital ratio | 12.2046% | 5,932 |
| Memoranda: | ||
| Average total assets | $130,363,600 | 4,328 |
| Average earning assets | $122,603,400 | 4,251 |
| Average equity | $11,438,400 | 4,898 |
| Average total loans | $110,705,000 | 3,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3663% | 992 |
| Cost of funding earning assets | 2.6374% | 937 |
| Net interest margin | 3.7290% | 3,951 |
| Noninterest income to average assets | 0.2545% | 6,412 |
| Noninterest expense to average assets | 2.8277% | 4,774 |
| Loan and lease loss provision to assets | 1.1211% | 1,743 |
| Net operating income to assets | -0.1185% | 5,917 |
| Return on assets (ROA) | -0.1185% | 5,949 |
| Pretax return on assets | -0.1788% | 5,949 |
| Return on Equity (ROE) | -1.3303% | 5,990 |
| Retained earnings to average equity (ytd only) | -1.3303% | 5,566 |
| Net charge-offs to loans | 0.0700% | 5,991 |
| Credit loss provision to net charge-offs | 1,859.3220% | 208 |
| Earnings coverage of net charge-offs (x) | 15.6280% | 1,525 |
| Efficiency ratio | 75.0068% | 3,690 |
| Assets per employee ($millions) | 4.4907% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6673% | 906 |
| Loan loss allowance to noncurrent loans | 62.8905% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 5.3414% | 1,087 |
| Noncurrent loans to loans | 4.2412% | 1,696 |
| Net loans and leases to total assets | 82.9124% | 680 |
| Net loans and leases to deposits | 104.4286% | 744 |
| Net loans and leases to core deposits | 142.2777% | 828 |
| Total domestic deposits to total assets | 79.3963% | 5,661 |
| Equity capital to assets | 8.7838% | 5,826 |
| Core capital (leverage) ratio | 8.8028% | 4,967 |
| Tier 1 risk-based capital ratio | 11.0675% | 5,884 |
| Total risk-based capital ratio | 12.3339% | 5,826 |
| Memoranda: | ||
| Average total assets | $130,468,500 | 4,364 |
| Average earning assets | $122,998,250 | 4,272 |
| Average equity | $11,626,000 | 4,891 |
| Average total loans | $112,329,500 | 3,673 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4189% | 968 |
| Cost of funding earning assets | 2.7591% | 879 |
| Net interest margin | 3.6599% | 4,122 |
| Noninterest income to average assets | 0.2436% | 6,541 |
| Noninterest expense to average assets | 2.8235% | 4,858 |
| Loan and lease loss provision to assets | 0.3570% | 3,785 |
| Net operating income to assets | 0.3462% | 4,693 |
| Return on assets (ROA) | 0.3462% | 4,809 |
| Pretax return on assets | 0.5239% | 4,541 |
| Return on Equity (ROE) | 3.8671% | 4,555 |
| Retained earnings to average equity (ytd only) | 3.8671% | 3,132 |
| Net charge-offs to loans | -0.0071% | 7,572 |
| Credit loss provision to net charge-offs | -5,825.0000% | 7,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2200% | 3,648 |
| Assets per employee ($millions) | 4.5814% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,772 |
| Loan loss allowance to noncurrent loans | 77.7098% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 2,289 |
| Noncurrent loans to loans | 2.4570% | 2,940 |
| Net loans and leases to total assets | 86.4271% | 341 |
| Net loans and leases to deposits | 106.6224% | 732 |
| Net loans and leases to core deposits | 145.8527% | 766 |
| Total domestic deposits to total assets | 81.0591% | 5,065 |
| Equity capital to assets | 9.1793% | 5,047 |
| Core capital (leverage) ratio | 9.0570% | 4,541 |
| Tier 1 risk-based capital ratio | 10.8457% | 6,039 |
| Total risk-based capital ratio | 12.0795% | 5,984 |
| Memoranda: | ||
| Average total assets | $130,548,330 | 4,378 |
| Average earning assets | $123,447,000 | 4,284 |
| Average equity | $11,688,330 | 4,893 |
| Average total loans | $112,794,330 | 3,706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4210% | 1,018 |
| Cost of funding earning assets | 2.9099% | 750 |
| Net interest margin | 3.5111% | 4,684 |
| Noninterest income to average assets | 0.2430% | 6,514 |
| Noninterest expense to average assets | 2.8341% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4830% | 4,502 |
| Return on assets (ROA) | 0.4830% | 4,693 |
| Pretax return on assets | 0.7260% | 4,335 |
| Return on Equity (ROE) | 5.4616% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.4616% | 2,877 |
| Net charge-offs to loans | -0.0390% | 7,634 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6075% | 2,886 |
| Assets per employee ($millions) | 4.7482% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 2,080 |
| Loan loss allowance to noncurrent loans | 102.7660% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 2.1549% | 2,666 |
| Noncurrent loans to loans | 1.6723% | 3,757 |
| Net loans and leases to total assets | 83.1034% | 832 |
| Net loans and leases to deposits | 100.6339% | 1,322 |
| Net loans and leases to core deposits | 139.7743% | 1,111 |
| Total domestic deposits to total assets | 82.5799% | 4,341 |
| Equity capital to assets | 8.8123% | 5,603 |
| Core capital (leverage) ratio | 8.7745% | 5,028 |
| Tier 1 risk-based capital ratio | 10.9358% | 5,958 |
| Total risk-based capital ratio | 12.1924% | 5,860 |
| Memoranda: | ||
| Average total assets | $131,683,500 | 4,381 |
| Average earning assets | $124,405,000 | 4,279 |
| Average equity | $11,645,000 | 4,939 |
| Average total loans | $112,679,000 | 3,726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3976% | 496 |
| Cost of funding earning assets | 3.4087% | 699 |
| Net interest margin | 3.9889% | 3,170 |
| Noninterest income to average assets | 0.2955% | 6,348 |
| Noninterest expense to average assets | 2.3626% | 6,529 |
| Loan and lease loss provision to assets | 0.5194% | 2,739 |
| Net operating income to assets | 0.6915% | 3,930 |
| Return on assets (ROA) | 0.6915% | 3,762 |
| Pretax return on assets | 1.1872% | 2,690 |
| Return on Equity (ROE) | 8.2936% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.6278% | 1,284 |
| Net charge-offs to loans | 0.1895% | 4,287 |
| Credit loss provision to net charge-offs | 316.6667% | 1,423 |
| Earnings coverage of net charge-offs (x) | 10.4054% | 2,518 |
| Efficiency ratio | 58.0610% | 6,685 |
| Assets per employee ($millions) | 4.4971% | 2,621 |
| Cash dividends to net income (ytd only)* | 20.0855% | 4,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 1,907 |
| Loan loss allowance to noncurrent loans | 85.6824% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.3655% | 2,052 |
| Noncurrent loans to loans | 1.9851% | 2,787 |
| Net loans and leases to total assets | 85.1262% | 719 |
| Net loans and leases to deposits | 105.0928% | 1,217 |
| Net loans and leases to core deposits | 151.9372% | 784 |
| Total domestic deposits to total assets | 81.0009% | 4,639 |
| Equity capital to assets | 8.8746% | 5,533 |
| Core capital (leverage) ratio | 8.7377% | 5,135 |
| Tier 1 risk-based capital ratio | 10.5149% | 6,197 |
| Total risk-based capital ratio | 11.6891% | 6,151 |
| Memoranda: | ||
| Average total assets | $135,359,800 | 4,178 |
| Average earning assets | $128,054,600 | 4,082 |
| Average equity | $11,285,800 | 5,044 |
| Average total loans | $117,160,200 | 3,520 |