Home > First Community Bank of Southwest Florida > Performance and Condition Ratios
First Community Bank of Southwest Florida, Performance and Condition Ratios
| 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 | 4.0355% | 3,983 |
| Cost of funding earning assets | 1.1105% | 321 |
| Net interest margin | 2.9250% | 5,737 |
| Noninterest income to average assets | -1.2873% | 6,933 |
| Noninterest expense to average assets | 3.5617% | 1,479 |
| Loan and lease loss provision to assets | 4.1979% | 8 |
| Net operating income to assets | -7.0224% | 6,932 |
| Return on assets (ROA) | -6.9868% | 6,931 |
| Pretax return on assets | -6.5933% | 6,930 |
| Return on Equity (ROE) | -468.1866% | 6,940 |
| Retained earnings to average equity (ytd only) | -468.1866% | 6,940 |
| Net charge-offs to loans | 1.6658% | 296 |
| Credit loss provision to net charge-offs | 356.6249% | 732 |
| Earnings coverage of net charge-offs (x) | -2.0653% | 4,774 |
| Efficiency ratio | 315.0309% | 9 |
| Assets per employee ($millions) | 3.9890% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9183% | 121 |
| Loan loss allowance to noncurrent loans | 46.9062% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 17.9823% | 31 |
| Noncurrent loans to loans | 10.4854% | 142 |
| Net loans and leases to total assets | 68.9756% | 2,066 |
| Net loans and leases to deposits | 70.0223% | 3,708 |
| Net loans and leases to core deposits | 72.3688% | 4,001 |
| Total domestic deposits to total assets | 98.5051% | 1 |
| Equity capital to assets | -0.6174% | 6,939 |
| Core capital (leverage) ratio | -0.2471% | 6,940 |
| Tier 1 risk-based capital ratio | -0.3141% | 6,939 |
| Total risk-based capital ratio | -0.3141% | 6,939 |
| Memoranda: | ||
| Average total assets | $257,745,000 | 2,479 |
| Average earning assets | $213,058,000 | 2,706 |
| Average equity | $3,846,330 | 6,485 |
| Average total loans | $182,137,000 | 2,181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 5,053 |
| Cost of funding earning assets | 1.1175% | 344 |
| Net interest margin | 2.6137% | 6,351 |
| Noninterest income to average assets | 0.2403% | 5,741 |
| Noninterest expense to average assets | 3.6690% | 1,297 |
| Loan and lease loss provision to assets | 3.8363% | 19 |
| Net operating income to assets | -5.3057% | 7,000 |
| Return on assets (ROA) | -5.3057% | 7,000 |
| Pretax return on assets | -5.1019% | 6,999 |
| Return on Equity (ROE) | -213.5619% | 7,012 |
| Retained earnings to average equity (ytd only) | -213.5619% | 7,012 |
| Net charge-offs to loans | 2.2866% | 190 |
| Credit loss provision to net charge-offs | 240.4194% | 948 |
| Earnings coverage of net charge-offs (x) | -0.7931% | 3,949 |
| Efficiency ratio | 152.6582% | 83 |
| Assets per employee ($millions) | 4.2861% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4834% | 420 |
| Loan loss allowance to noncurrent loans | 32.1502% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 17.7255% | 47 |
| Noncurrent loans to loans | 10.8346% | 179 |
| Net loans and leases to total assets | 66.7738% | 2,233 |
| Net loans and leases to deposits | 69.7970% | 3,512 |
| Net loans and leases to core deposits | 72.8433% | 3,722 |
| Total domestic deposits to total assets | 95.6686% | 33 |
| Equity capital to assets | 1.7344% | 7,010 |
| Core capital (leverage) ratio | 1.8186% | 7,009 |
| Tier 1 risk-based capital ratio | 2.2868% | 7,008 |
| Total risk-based capital ratio | 3.5583% | 7,008 |
| Memoranda: | ||
| Average total assets | $262,960,000 | 2,460 |
| Average earning assets | $217,626,000 | 2,694 |
| Average equity | $6,533,000 | 5,855 |
| Average total loans | $183,500,000 | 2,176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 3,987 |
| Cost of funding earning assets | 1.2705% | 415 |
| Net interest margin | 3.0895% | 5,841 |
| Noninterest income to average assets | 0.7389% | 2,548 |
| Noninterest expense to average assets | 3.5708% | 1,679 |
| Loan and lease loss provision to assets | 0.5062% | 1,167 |
| Net operating income to assets | -0.8560% | 6,689 |
| Return on assets (ROA) | -0.6315% | 6,656 |
| Pretax return on assets | -0.5593% | 6,603 |
| Return on Equity (ROE) | -19.0875% | 6,870 |
| Retained earnings to average equity (ytd only) | -19.0875% | 6,834 |
| Net charge-offs to loans | 1.3742% | 677 |
| Credit loss provision to net charge-offs | 54.2549% | 4,594 |
| Earnings coverage of net charge-offs (x) | -0.2977% | 5,615 |
| Efficiency ratio | 108.4324% | 358 |
| Assets per employee ($millions) | 4.0654% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6923% | 929 |
| Loan loss allowance to noncurrent loans | 46.2223% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 14.5270% | 90 |
| Noncurrent loans to loans | 5.8246% | 619 |
| Net loans and leases to total assets | 68.4988% | 2,099 |
| Net loans and leases to deposits | 72.7803% | 3,283 |
| Net loans and leases to core deposits | 75.8309% | 3,556 |
| Total domestic deposits to total assets | 94.1172% | 65 |
| Equity capital to assets | 3.2504% | 7,031 |
| Core capital (leverage) ratio | 3.1607% | 7,026 |
| Tier 1 risk-based capital ratio | 3.9970% | 7,037 |
| Total risk-based capital ratio | 5.2599% | 7,037 |
| Memoranda: | ||
| Average total assets | $278,372,800 | 2,284 |
| Average earning assets | $230,137,400 | 2,506 |
| Average equity | $9,210,200 | 5,170 |
| Average total loans | $188,984,800 | 2,104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 4,109 |
| Cost of funding earning assets | 1.3012% | 435 |
| Net interest margin | 3.0843% | 5,975 |
| Noninterest income to average assets | 0.8393% | 2,077 |
| Noninterest expense to average assets | 3.6127% | 1,534 |
| Loan and lease loss provision to assets | 0.6640% | 782 |
| Net operating income to assets | -0.8860% | 6,829 |
| Return on assets (ROA) | -0.6211% | 6,771 |
| Pretax return on assets | -0.6211% | 6,749 |
| Return on Equity (ROE) | -18.6976% | 6,975 |
| Retained earnings to average equity (ytd only) | -18.6976% | 6,957 |
| Net charge-offs to loans | 1.5885% | 528 |
| Credit loss provision to net charge-offs | 62.0978% | 4,101 |
| Earnings coverage of net charge-offs (x) | -0.2076% | 5,409 |
| Efficiency ratio | 106.5462% | 368 |
| Assets per employee ($millions) | 4.4401% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8981% | 806 |
| Loan loss allowance to noncurrent loans | 57.3063% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 13.1793% | 123 |
| Noncurrent loans to loans | 5.0573% | 891 |
| Net loans and leases to total assets | 62.9909% | 3,205 |
| Net loans and leases to deposits | 66.9313% | 4,351 |
| Net loans and leases to core deposits | 70.3048% | 4,465 |
| Total domestic deposits to total assets | 94.1128% | 66 |
| Equity capital to assets | 3.2003% | 7,129 |
| Core capital (leverage) ratio | 3.1738% | 7,124 |
| Tier 1 risk-based capital ratio | 4.1682% | 7,136 |
| Total risk-based capital ratio | 5.4335% | 7,136 |
| Memoranda: | ||
| Average total assets | $282,920,000 | 2,274 |
| Average earning assets | $234,037,500 | 2,488 |
| Average equity | $9,398,500 | 5,178 |
| Average total loans | $190,442,500 | 2,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 3,917 |
| Cost of funding earning assets | 1.3789% | 379 |
| Net interest margin | 3.0868% | 6,043 |
| Noninterest income to average assets | 0.6317% | 3,066 |
| Noninterest expense to average assets | 3.6657% | 1,437 |
| Loan and lease loss provision to assets | 0.7162% | 745 |
| Net operating income to assets | -1.1994% | 6,959 |
| Return on assets (ROA) | -0.8712% | 6,904 |
| Pretax return on assets | -0.8712% | 6,873 |
| Return on Equity (ROE) | -25.9130% | 7,074 |
| Retained earnings to average equity (ytd only) | -25.9130% | 7,061 |
| Net charge-offs to loans | 0.6431% | 1,710 |
| Credit loss provision to net charge-offs | 163.5048% | 1,706 |
| Earnings coverage of net charge-offs (x) | -1.1029% | 5,318 |
| Efficiency ratio | 115.1803% | 265 |
| Assets per employee ($millions) | 4.5726% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5293% | 485 |
| Loan loss allowance to noncurrent loans | 65.1595% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 13.7793% | 126 |
| Noncurrent loans to loans | 5.4165% | 860 |
| Net loans and leases to total assets | 64.8990% | 2,856 |
| Net loans and leases to deposits | 68.9382% | 4,049 |
| Net loans and leases to core deposits | 72.4768% | 4,244 |
| Total domestic deposits to total assets | 94.1408% | 74 |
| Equity capital to assets | 3.2330% | 7,171 |
| Core capital (leverage) ratio | 3.1294% | 7,170 |
| Tier 1 risk-based capital ratio | 4.1743% | 7,184 |
| Total risk-based capital ratio | 5.4494% | 7,186 |
| Memoranda: | ||
| Average total assets | $283,984,670 | 2,274 |
| Average earning assets | $234,679,000 | 2,478 |
| Average equity | $9,547,330 | 5,146 |
| Average total loans | $193,436,330 | 2,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 3,741 |
| Cost of funding earning assets | 1.5322% | 246 |
| Net interest margin | 3.0125% | 6,269 |
| Noninterest income to average assets | 0.8587% | 1,913 |
| Noninterest expense to average assets | 3.6911% | 1,389 |
| Loan and lease loss provision to assets | 1.4086% | 257 |
| Net operating income to assets | -1.7493% | 7,132 |
| Return on assets (ROA) | -1.1634% | 7,045 |
| Pretax return on assets | -1.1634% | 7,014 |
| Return on Equity (ROE) | -33.9875% | 7,182 |
| Retained earnings to average equity (ytd only) | -33.9875% | 7,159 |
| Net charge-offs to loans | 1.1300% | 914 |
| Credit loss provision to net charge-offs | 181.9320% | 1,428 |
| Earnings coverage of net charge-offs (x) | -0.4401% | 4,492 |
| Efficiency ratio | 110.1695% | 334 |
| Assets per employee ($millions) | 5.0955% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3847% | 581 |
| Loan loss allowance to noncurrent loans | 59.9216% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 13.6618% | 143 |
| Noncurrent loans to loans | 5.6486% | 929 |
| Net loans and leases to total assets | 64.6374% | 2,731 |
| Net loans and leases to deposits | 68.5611% | 3,961 |
| Net loans and leases to core deposits | 71.9356% | 4,160 |
| Total domestic deposits to total assets | 94.2771% | 82 |
| Equity capital to assets | 3.1751% | 7,227 |
| Core capital (leverage) ratio | 3.0222% | 7,233 |
| Tier 1 risk-based capital ratio | 4.1791% | 7,242 |
| Total risk-based capital ratio | 5.4503% | 7,242 |
| Memoranda: | ||
| Average total assets | $288,800,000 | 2,253 |
| Average earning assets | $238,872,500 | 2,458 |
| Average equity | $9,886,000 | 5,067 |
| Average total loans | $197,871,000 | 2,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 3,439 |
| Cost of funding earning assets | 1.9805% | 109 |
| Net interest margin | 2.9023% | 6,686 |
| Noninterest income to average assets | 0.0531% | 6,818 |
| Noninterest expense to average assets | 3.5355% | 1,899 |
| Loan and lease loss provision to assets | 0.8871% | 1,087 |
| Net operating income to assets | -1.8890% | 7,009 |
| Return on assets (ROA) | -1.7451% | 6,987 |
| Pretax return on assets | -1.7451% | 6,956 |
| Return on Equity (ROE) | -46.1914% | 7,192 |
| Retained earnings to average equity (ytd only) | -46.1914% | 7,188 |
| Net charge-offs to loans | 1.4026% | 1,162 |
| Credit loss provision to net charge-offs | 88.8087% | 4,067 |
| Earnings coverage of net charge-offs (x) | -1.0030% | 6,195 |
| Efficiency ratio | 139.5445% | 177 |
| Assets per employee ($millions) | 5.1278% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0378% | 785 |
| Loan loss allowance to noncurrent loans | 106.0118% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 12.1095% | 205 |
| Noncurrent loans to loans | 2.8655% | 2,278 |
| Net loans and leases to total assets | 68.0155% | 2,390 |
| Net loans and leases to deposits | 72.9790% | 3,672 |
| Net loans and leases to core deposits | 77.1327% | 3,809 |
| Total domestic deposits to total assets | 93.1988% | 128 |
| Equity capital to assets | 3.6740% | 7,238 |
| Core capital (leverage) ratio | 3.4195% | 7,241 |
| Tier 1 risk-based capital ratio | 4.4867% | 7,262 |
| Total risk-based capital ratio | 5.7521% | 7,262 |
| Memoranda: | ||
| Average total assets | $305,022,400 | 2,101 |
| Average earning assets | $260,688,600 | 2,233 |
| Average equity | $11,523,800 | 4,654 |
| Average total loans | $217,239,000 | 1,892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 3,620 |
| Cost of funding earning assets | 2.0172% | 112 |
| Net interest margin | 2.8704% | 6,800 |
| Noninterest income to average assets | -0.1249% | 7,226 |
| Noninterest expense to average assets | 3.4335% | 2,110 |
| Loan and lease loss provision to assets | 1.1266% | 719 |
| Net operating income to assets | -2.2139% | 7,178 |
| Return on assets (ROA) | -2.0248% | 7,149 |
| Pretax return on assets | -2.0248% | 7,128 |
| Return on Equity (ROE) | -53.2538% | 7,301 |
| Retained earnings to average equity (ytd only) | -53.2538% | 7,297 |
| Net charge-offs to loans | 1.8029% | 739 |
| Credit loss provision to net charge-offs | 87.4290% | 3,874 |
| Earnings coverage of net charge-offs (x) | -0.8439% | 5,910 |
| Efficiency ratio | 146.3459% | 152 |
| Assets per employee ($millions) | 5.3855% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8969% | 934 |
| Loan loss allowance to noncurrent loans | 46.1819% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 11.2567% | 267 |
| Noncurrent loans to loans | 6.2728% | 864 |
| Net loans and leases to total assets | 67.6201% | 2,555 |
| Net loans and leases to deposits | 72.5099% | 3,891 |
| Net loans and leases to core deposits | 76.3795% | 4,153 |
| Total domestic deposits to total assets | 93.2564% | 120 |
| Equity capital to assets | 3.6510% | 7,340 |
| Core capital (leverage) ratio | 3.4057% | 7,332 |
| Tier 1 risk-based capital ratio | 4.7613% | 7,335 |
| Total risk-based capital ratio | 6.0295% | 7,337 |
| Memoranda: | ||
| Average total assets | $309,489,250 | 2,076 |
| Average earning assets | $266,439,750 | 2,201 |
| Average equity | $11,767,250 | 4,626 |
| Average total loans | $221,191,500 | 1,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 3,395 |
| Cost of funding earning assets | 2.0220% | 131 |
| Net interest margin | 2.9283% | 6,739 |
| Noninterest income to average assets | -0.2787% | 7,377 |
| Noninterest expense to average assets | 3.4089% | 2,232 |
| Loan and lease loss provision to assets | 1.6756% | 407 |
| Net operating income to assets | -2.8373% | 7,294 |
| Return on assets (ROA) | -2.5560% | 7,271 |
| Pretax return on assets | -2.5560% | 7,254 |
| Return on Equity (ROE) | -66.3764% | 7,391 |
| Retained earnings to average equity (ytd only) | -66.3764% | 7,388 |
| Net charge-offs to loans | 2.6134% | 431 |
| Credit loss provision to net charge-offs | 88.9758% | 3,487 |
| Earnings coverage of net charge-offs (x) | -0.6169% | 5,560 |
| Efficiency ratio | 151.6966% | 145 |
| Assets per employee ($millions) | 4.7830% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8811% | 1,003 |
| Loan loss allowance to noncurrent loans | 39.7822% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 12.1979% | 253 |
| Noncurrent loans to loans | 7.2421% | 691 |
| Net loans and leases to total assets | 69.7505% | 2,273 |
| Net loans and leases to deposits | 74.9201% | 3,656 |
| Net loans and leases to core deposits | 79.1930% | 3,902 |
| Total domestic deposits to total assets | 93.0998% | 129 |
| Equity capital to assets | 3.7981% | 7,404 |
| Core capital (leverage) ratio | 3.5669% | 7,400 |
| Tier 1 risk-based capital ratio | 5.0345% | 7,400 |
| Total risk-based capital ratio | 6.3025% | 7,400 |
| Memoranda: | ||
| Average total assets | $312,123,000 | 2,062 |
| Average earning assets | $269,238,670 | 2,186 |
| Average equity | $12,019,330 | 4,556 |
| Average total loans | $224,916,000 | 1,873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 4,245 |
| Cost of funding earning assets | 1.9784% | 180 |
| Net interest margin | 2.7836% | 6,931 |
| Noninterest income to average assets | 0.0525% | 7,123 |
| Noninterest expense to average assets | 2.9358% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4714% | 6,792 |
| Return on assets (ROA) | -0.4714% | 6,797 |
| Pretax return on assets | -0.4714% | 6,739 |
| Return on Equity (ROE) | -12.1637% | 7,079 |
| Retained earnings to average equity (ytd only) | -12.1637% | 6,948 |
| Net charge-offs to loans | 1.2682% | 1,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.5150% | 4,796 |
| Efficiency ratio | 119.1273% | 353 |
| Assets per employee ($millions) | 5.4063% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 1,441 |
| Loan loss allowance to noncurrent loans | 35.0294% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 10.9694% | 338 |
| Noncurrent loans to loans | 7.1767% | 754 |
| Net loans and leases to total assets | 66.2676% | 2,941 |
| Net loans and leases to deposits | 76.4706% | 3,342 |
| Net loans and leases to core deposits | 80.9343% | 3,613 |
| Total domestic deposits to total assets | 86.6576% | 3,144 |
| Equity capital to assets | 4.1720% | 7,426 |
| Core capital (leverage) ratio | 4.6806% | 7,380 |
| Tier 1 risk-based capital ratio | 6.3866% | 7,409 |
| Total risk-based capital ratio | 7.6512% | 7,411 |
| Memoranda: | ||
| Average total assets | $319,912,500 | 2,037 |
| Average earning assets | $277,194,500 | 2,137 |
| Average equity | $12,397,500 | 4,468 |
| Average total loans | $230,885,500 | 1,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 3,694 |
| Cost of funding earning assets | 2.3740% | 164 |
| Net interest margin | 2.8080% | 7,020 |
| Noninterest income to average assets | 0.7800% | 2,379 |
| Noninterest expense to average assets | 3.2546% | 2,899 |
| Loan and lease loss provision to assets | 2.1802% | 572 |
| Net operating income to assets | -2.1546% | 7,097 |
| Return on assets (ROA) | -2.0557% | 7,082 |
| Pretax return on assets | -2.0557% | 7,042 |
| Return on Equity (ROE) | -40.5922% | 7,355 |
| Retained earnings to average equity (ytd only) | -40.5922% | 7,347 |
| Net charge-offs to loans | 2.6829% | 678 |
| Credit loss provision to net charge-offs | 107.4615% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.0126% | 6,111 |
| Efficiency ratio | 99.2197% | 810 |
| Assets per employee ($millions) | 4.9135% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7616% | 1,101 |
| Loan loss allowance to noncurrent loans | 71.6266% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 9.7313% | 426 |
| Noncurrent loans to loans | 3.8556% | 1,905 |
| Net loans and leases to total assets | 74.6666% | 1,546 |
| Net loans and leases to deposits | 86.5105% | 2,004 |
| Net loans and leases to core deposits | 91.3410% | 2,570 |
| Total domestic deposits to total assets | 86.3093% | 3,193 |
| Equity capital to assets | 3.5488% | 7,528 |
| Core capital (leverage) ratio | 3.4954% | 7,530 |
| Tier 1 risk-based capital ratio | 4.7120% | 7,537 |
| Total risk-based capital ratio | 5.9792% | 7,542 |
| Memoranda: | ||
| Average total assets | $320,380,000 | 2,036 |
| Average earning assets | $285,260,000 | 2,078 |
| Average equity | $16,224,800 | 3,715 |
| Average total loans | $242,271,000 | 1,806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 4,219 |
| Cost of funding earning assets | 2.3975% | 201 |
| Net interest margin | 2.7220% | 7,209 |
| Noninterest income to average assets | 0.8785% | 1,881 |
| Noninterest expense to average assets | 3.4094% | 2,268 |
| Loan and lease loss provision to assets | 0.2158% | 4,905 |
| Net operating income to assets | -0.3046% | 6,432 |
| Return on assets (ROA) | -0.2417% | 6,423 |
| Pretax return on assets | -0.2417% | 6,355 |
| Return on Equity (ROE) | -4.4599% | 6,602 |
| Retained earnings to average equity (ytd only) | -4.4599% | 6,508 |
| Net charge-offs to loans | 0.9265% | 2,144 |
| Credit loss provision to net charge-offs | 30.9187% | 6,143 |
| Earnings coverage of net charge-offs (x) | -0.1272% | 6,126 |
| Efficiency ratio | 102.6743% | 666 |
| Assets per employee ($millions) | 5.0504% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,214 |
| Loan loss allowance to noncurrent loans | 29.3575% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 8.8568% | 519 |
| Noncurrent loans to loans | 6.8183% | 844 |
| Net loans and leases to total assets | 70.5301% | 2,605 |
| Net loans and leases to deposits | 83.6176% | 2,774 |
| Net loans and leases to core deposits | 94.6414% | 2,432 |
| Total domestic deposits to total assets | 84.3484% | 3,940 |
| Equity capital to assets | 5.3512% | 7,547 |
| Core capital (leverage) ratio | 5.4451% | 7,503 |
| Tier 1 risk-based capital ratio | 6.9770% | 7,548 |
| Total risk-based capital ratio | 8.2354% | 7,552 |
| Memoranda: | ||
| Average total assets | $324,315,750 | 2,032 |
| Average earning assets | $290,959,750 | 2,070 |
| Average equity | $17,578,250 | 3,539 |
| Average total loans | $244,358,250 | 1,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 4,084 |
| Cost of funding earning assets | 2.4818% | 187 |
| Net interest margin | 2.6905% | 7,267 |
| Noninterest income to average assets | 0.6038% | 3,313 |
| Noninterest expense to average assets | 3.5722% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5534% | 6,701 |
| Return on assets (ROA) | -0.4942% | 6,685 |
| Pretax return on assets | -0.4942% | 6,580 |
| Return on Equity (ROE) | -9.0784% | 6,932 |
| Retained earnings to average equity (ytd only) | -9.0784% | 6,873 |
| Net charge-offs to loans | 0.9388% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.7704% | 6,084 |
| Efficiency ratio | 118.3299% | 433 |
| Assets per employee ($millions) | 4.8004% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,163 |
| Loan loss allowance to noncurrent loans | 38.2346% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 7.6710% | 662 |
| Noncurrent loans to loans | 5.2459% | 1,293 |
| Net loans and leases to total assets | 72.1563% | 2,358 |
| Net loans and leases to deposits | 84.7664% | 2,742 |
| Net loans and leases to core deposits | 96.7954% | 2,353 |
| Total domestic deposits to total assets | 85.1237% | 3,561 |
| Equity capital to assets | 5.3593% | 7,604 |
| Core capital (leverage) ratio | 5.2192% | 7,579 |
| Tier 1 risk-based capital ratio | 6.8950% | 7,610 |
| Total risk-based capital ratio | 8.1534% | 7,615 |
| Memoranda: | ||
| Average total assets | $321,312,330 | 2,065 |
| Average earning assets | $288,425,000 | 2,099 |
| Average equity | $17,492,000 | 3,547 |
| Average total loans | $245,845,330 | 1,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 4,069 |
| Cost of funding earning assets | 2.5261% | 211 |
| Net interest margin | 2.6657% | 7,330 |
| Noninterest income to average assets | 0.2045% | 6,502 |
| Noninterest expense to average assets | 2.7645% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1644% | 6,501 |
| Return on assets (ROA) | -0.1644% | 6,575 |
| Pretax return on assets | -0.1644% | 6,522 |
| Return on Equity (ROE) | -2.9958% | 6,740 |
| Retained earnings to average equity (ytd only) | -2.9958% | 6,363 |
| Net charge-offs to loans | 0.5133% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.4107% | 5,251 |
| Efficiency ratio | 106.3224% | 672 |
| Assets per employee ($millions) | 4.7528% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 1,573 |
| Loan loss allowance to noncurrent loans | 78.2404% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 5.2680% | 1,193 |
| Noncurrent loans to loans | 2.9443% | 2,734 |
| Net loans and leases to total assets | 73.1424% | 2,167 |
| Net loans and leases to deposits | 86.3965% | 2,514 |
| Net loans and leases to core deposits | 97.4380% | 2,398 |
| Total domestic deposits to total assets | 84.6590% | 3,824 |
| Equity capital to assets | 5.3881% | 7,684 |
| Core capital (leverage) ratio | 5.5557% | 7,643 |
| Tier 1 risk-based capital ratio | 7.1068% | 7,688 |
| Total risk-based capital ratio | 8.3693% | 7,691 |
| Memoranda: | ||
| Average total assets | $318,755,500 | 2,134 |
| Average earning assets | $286,449,000 | 2,168 |
| Average equity | $17,491,000 | 3,571 |
| Average total loans | $248,589,000 | 1,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 2,706 |
| Cost of funding earning assets | 3.0048% | 224 |
| Net interest margin | 2.7832% | 7,090 |
| Noninterest income to average assets | 0.1840% | 6,774 |
| Noninterest expense to average assets | 3.0109% | 4,103 |
| Loan and lease loss provision to assets | 2.7474% | 676 |
| Net operating income to assets | -3.7922% | 7,572 |
| Return on assets (ROA) | -3.6525% | 7,550 |
| Pretax return on assets | -2.9209% | 7,270 |
| Return on Equity (ROE) | -45.5490% | 7,632 |
| Retained earnings to average equity (ytd only) | -45.5490% | 7,621 |
| Net charge-offs to loans | 2.9636% | 722 |
| Credit loss provision to net charge-offs | 108.7365% | 5,088 |
| Earnings coverage of net charge-offs (x) | -0.1240% | 6,360 |
| Efficiency ratio | 111.6107% | 771 |
| Assets per employee ($millions) | 4.6904% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 1,379 |
| Loan loss allowance to noncurrent loans | 123.6292% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 4.6581% | 1,371 |
| Noncurrent loans to loans | 1.9205% | 3,770 |
| Net loans and leases to total assets | 79.3627% | 1,123 |
| Net loans and leases to deposits | 94.6886% | 1,503 |
| Net loans and leases to core deposits | 140.9597% | 777 |
| Total domestic deposits to total assets | 83.8144% | 4,118 |
| Equity capital to assets | 5.5923% | 7,718 |
| Core capital (leverage) ratio | 5.5421% | 7,703 |
| Tier 1 risk-based capital ratio | 6.7495% | 7,774 |
| Total risk-based capital ratio | 8.0129% | 7,777 |
| Memoranda: | ||
| Average total assets | $315,755,600 | 2,128 |
| Average earning assets | $285,176,600 | 2,159 |
| Average equity | $25,320,000 | 2,576 |
| Average total loans | $269,195,200 | 1,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 2,405 |
| Cost of funding earning assets | 3.1088% | 238 |
| Net interest margin | 2.8015% | 7,063 |
| Noninterest income to average assets | 0.2416% | 6,506 |
| Noninterest expense to average assets | 2.9439% | 4,259 |
| Loan and lease loss provision to assets | 1.6808% | 1,106 |
| Net operating income to assets | -1.1544% | 6,932 |
| Return on assets (ROA) | -1.0358% | 6,868 |
| Pretax return on assets | -1.6585% | 7,030 |
| Return on Equity (ROE) | -12.0291% | 7,023 |
| Retained earnings to average equity (ytd only) | -12.0291% | 6,949 |
| Net charge-offs to loans | 2.7365% | 653 |
| Credit loss provision to net charge-offs | 71.2378% | 5,962 |
| Earnings coverage of net charge-offs (x) | -0.0691% | 6,146 |
| Efficiency ratio | 105.8628% | 857 |
| Assets per employee ($millions) | 4.6744% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,082 |
| Loan loss allowance to noncurrent loans | 32.4360% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 4.8253% | 1,225 |
| Noncurrent loans to loans | 4.2408% | 1,697 |
| Net loans and leases to total assets | 86.4400% | 317 |
| Net loans and leases to deposits | 107.3794% | 584 |
| Net loans and leases to core deposits | 155.8613% | 464 |
| Total domestic deposits to total assets | 80.4995% | 5,247 |
| Equity capital to assets | 8.5708% | 6,152 |
| Core capital (leverage) ratio | 6.4287% | 7,693 |
| Tier 1 risk-based capital ratio | 7.5189% | 7,852 |
| Total risk-based capital ratio | 8.7719% | 7,856 |
| Memoranda: | ||
| Average total assets | $317,303,000 | 2,135 |
| Average earning assets | $287,602,250 | 2,154 |
| Average equity | $27,322,000 | 2,450 |
| Average total loans | $273,580,250 | 1,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6758% | 3,686 |
| Cost of funding earning assets | 3.1585% | 296 |
| Net interest margin | 2.5173% | 7,462 |
| Noninterest income to average assets | 0.1287% | 7,320 |
| Noninterest expense to average assets | 2.8403% | 4,775 |
| Loan and lease loss provision to assets | 0.4351% | 3,380 |
| Net operating income to assets | -0.5398% | 6,587 |
| Return on assets (ROA) | -0.4674% | 6,523 |
| Pretax return on assets | -0.7471% | 6,647 |
| Return on Equity (ROE) | -5.4200% | 6,651 |
| Retained earnings to average equity (ytd only) | -5.4200% | 6,359 |
| Net charge-offs to loans | 1.2137% | 1,511 |
| Credit loss provision to net charge-offs | 41.7910% | 5,877 |
| Earnings coverage of net charge-offs (x) | -0.4084% | 6,020 |
| Efficiency ratio | 117.6016% | 713 |
| Assets per employee ($millions) | 4.4299% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 2,851 |
| Loan loss allowance to noncurrent loans | 29.2244% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 5.7433% | 859 |
| Noncurrent loans to loans | 5.3850% | 1,091 |
| Net loans and leases to total assets | 85.5652% | 430 |
| Net loans and leases to deposits | 104.6117% | 864 |
| Net loans and leases to core deposits | 146.4137% | 739 |
| Total domestic deposits to total assets | 81.7931% | 4,773 |
| Equity capital to assets | 8.8677% | 5,498 |
| Core capital (leverage) ratio | 7.6901% | 6,772 |
| Tier 1 risk-based capital ratio | 8.8582% | 7,767 |
| Total risk-based capital ratio | 10.1132% | 7,801 |
| Memoranda: | ||
| Average total assets | $321,792,670 | 2,141 |
| Average earning assets | $292,293,000 | 2,156 |
| Average equity | $27,749,000 | 2,421 |
| Average total loans | $276,008,000 | 1,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 4,663 |
| Cost of funding earning assets | 3.1011% | 460 |
| Net interest margin | 2.4442% | 7,566 |
| Noninterest income to average assets | 0.1011% | 7,534 |
| Noninterest expense to average assets | 2.8624% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3230% | 6,704 |
| Return on assets (ROA) | -0.3230% | 6,783 |
| Pretax return on assets | -0.5164% | 6,830 |
| Return on Equity (ROE) | -3.4579% | 6,835 |
| Retained earnings to average equity (ytd only) | -3.4579% | 6,357 |
| Net charge-offs to loans | 0.2647% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.2385% | 5,481 |
| Efficiency ratio | 122.0121% | 600 |
| Assets per employee ($millions) | 3.8698% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1310% | 1,180 |
| Loan loss allowance to noncurrent loans | 37.2981% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 5.3263% | 815 |
| Noncurrent loans to loans | 5.7135% | 866 |
| Net loans and leases to total assets | 85.4673% | 501 |
| Net loans and leases to deposits | 109.9369% | 610 |
| Net loans and leases to core deposits | 155.6087% | 569 |
| Total domestic deposits to total assets | 77.7421% | 6,096 |
| Equity capital to assets | 9.1810% | 5,108 |
| Core capital (leverage) ratio | 8.6397% | 5,272 |
| Tier 1 risk-based capital ratio | 9.5873% | 7,355 |
| Total risk-based capital ratio | 10.8490% | 7,278 |
| Memoranda: | ||
| Average total assets | $225,409,000 | 2,926 |
| Average earning assets | $207,021,500 | 2,919 |
| Average equity | $21,053,000 | 3,113 |
| Average total loans | $196,414,500 | 2,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4807% | 3,056 |
| Cost of funding earning assets | 3.3490% | 811 |
| Net interest margin | 3.1317% | 6,559 |
| Noninterest income to average assets | 0.0297% | 7,985 |
| Noninterest expense to average assets | 3.2145% | 3,285 |
| Loan and lease loss provision to assets | 2.5135% | 411 |
| Net operating income to assets | -1.7642% | 7,546 |
| Return on assets (ROA) | -1.7642% | 7,502 |
| Pretax return on assets | -2.8249% | 7,666 |
| Return on Equity (ROE) | -15.5444% | 7,608 |
| Retained earnings to average equity (ytd only) | -15.5444% | 7,491 |
| Net charge-offs to loans | 1.5148% | 765 |
| Credit loss provision to net charge-offs | 199.6195% | 2,448 |
| Earnings coverage of net charge-offs (x) | -0.2473% | 6,395 |
| Efficiency ratio | 110.7278% | 693 |
| Assets per employee ($millions) | 3.3712% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2637% | 890 |
| Loan loss allowance to noncurrent loans | 66.4895% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.2728% | 1,380 |
| Noncurrent loans to loans | 3.4046% | 1,503 |
| Net loans and leases to total assets | 84.9725% | 744 |
| Net loans and leases to deposits | 108.5340% | 937 |
| Net loans and leases to core deposits | 154.1924% | 709 |
| Total domestic deposits to total assets | 78.2911% | 5,618 |
| Equity capital to assets | 9.5030% | 4,692 |
| Core capital (leverage) ratio | 9.4698% | 4,051 |
| Tier 1 risk-based capital ratio | 10.4948% | 6,211 |
| Total risk-based capital ratio | 11.7575% | 6,086 |
| Memoranda: | ||
| Average total assets | $208,712,000 | 3,021 |
| Average earning assets | $191,491,200 | 3,019 |
| Average equity | $23,687,000 | 2,767 |
| Average total loans | $173,484,600 | 2,576 |