Home > First National Bank of Baldwin County > Performance and Condition Ratios
First National Bank of Baldwin County, 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 | 4.0334% | 3,987 |
| Cost of funding earning assets | 0.7763% | 1,665 |
| Net interest margin | 3.2571% | 4,699 |
| Noninterest income to average assets | 0.3203% | 5,135 |
| Noninterest expense to average assets | 4.1910% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9415% | 6,794 |
| Return on assets (ROA) | -0.9415% | 6,807 |
| Pretax return on assets | -0.9415% | 6,793 |
| Return on Equity (ROE) | -46.2507% | 6,966 |
| Retained earnings to average equity (ytd only) | -46.2507% | 6,956 |
| Net charge-offs to loans | -0.2834% | 6,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9750% | 157 |
| Assets per employee ($millions) | 3.4803% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5744% | 1,038 |
| Loan loss allowance to noncurrent loans | 3,351.5152% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,320 |
| Noncurrent loans to loans | 0.0768% | 6,253 |
| Net loans and leases to total assets | 66.8141% | 2,227 |
| Net loans and leases to deposits | 68.3946% | 3,725 |
| Net loans and leases to core deposits | 69.9117% | 4,095 |
| Total domestic deposits to total assets | 97.6891% | 8 |
| Equity capital to assets | 1.9113% | 7,007 |
| Core capital (leverage) ratio | 1.9352% | 7,003 |
| Tier 1 risk-based capital ratio | 2.8667% | 7,000 |
| Total risk-based capital ratio | 4.1335% | 7,000 |
| Memoranda: | ||
| Average total assets | $187,352,500 | 3,261 |
| Average earning assets | $168,491,500 | 3,302 |
| Average equity | $3,814,000 | 6,554 |
| Average total loans | $132,662,500 | 2,851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 4,091 |
| Cost of funding earning assets | 0.9780% | 1,478 |
| Net interest margin | 3.3509% | 5,069 |
| Noninterest income to average assets | 0.1667% | 6,198 |
| Noninterest expense to average assets | 3.4944% | 1,821 |
| Loan and lease loss provision to assets | 0.2641% | 2,531 |
| Net operating income to assets | -0.5600% | 6,600 |
| Return on assets (ROA) | -0.5366% | 6,619 |
| Pretax return on assets | -0.6084% | 6,618 |
| Return on Equity (ROE) | -23.6160% | 6,915 |
| Retained earnings to average equity (ytd only) | -23.6160% | 6,886 |
| Net charge-offs to loans | 0.6907% | 1,711 |
| Credit loss provision to net charge-offs | 52.3383% | 4,634 |
| Earnings coverage of net charge-offs (x) | -0.7353% | 5,719 |
| Efficiency ratio | 111.8772% | 304 |
| Assets per employee ($millions) | 3.3958% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3629% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,465.4545% | 344 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 3,001 |
| Noncurrent loans to loans | 0.1612% | 6,078 |
| Net loans and leases to total assets | 71.3262% | 1,599 |
| Net loans and leases to deposits | 73.0768% | 3,242 |
| Net loans and leases to core deposits | 74.3916% | 3,734 |
| Total domestic deposits to total assets | 97.6045% | 10 |
| Equity capital to assets | 2.1609% | 7,062 |
| Core capital (leverage) ratio | 2.1641% | 7,058 |
| Tier 1 risk-based capital ratio | 3.0098% | 7,057 |
| Total risk-based capital ratio | 4.2736% | 7,057 |
| Memoranda: | ||
| Average total assets | $199,204,200 | 3,055 |
| Average earning assets | $175,773,000 | 3,149 |
| Average equity | $4,526,600 | 6,437 |
| Average total loans | $145,501,400 | 2,640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 4,295 |
| Cost of funding earning assets | 1.0227% | 1,435 |
| Net interest margin | 3.3169% | 5,324 |
| Noninterest income to average assets | 0.0982% | 6,619 |
| Noninterest expense to average assets | 3.3472% | 2,142 |
| Loan and lease loss provision to assets | 0.3467% | 1,891 |
| Net operating income to assets | -0.5787% | 6,731 |
| Return on assets (ROA) | -0.5490% | 6,749 |
| Pretax return on assets | -0.6432% | 6,759 |
| Return on Equity (ROE) | -23.8886% | 7,028 |
| Retained earnings to average equity (ytd only) | -23.8886% | 7,017 |
| Net charge-offs to loans | 0.8554% | 1,285 |
| Credit loss provision to net charge-offs | 55.4852% | 4,266 |
| Earnings coverage of net charge-offs (x) | -0.5306% | 5,506 |
| Efficiency ratio | 110.9921% | 287 |
| Assets per employee ($millions) | 3.4603% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3219% | 1,476 |
| Loan loss allowance to noncurrent loans | 182.1766% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 2.7544% | 1,907 |
| Noncurrent loans to loans | 1.2746% | 3,915 |
| Net loans and leases to total assets | 72.5234% | 1,462 |
| Net loans and leases to deposits | 74.3951% | 3,227 |
| Net loans and leases to core deposits | 76.7400% | 3,635 |
| Total domestic deposits to total assets | 97.4842% | 10 |
| Equity capital to assets | 2.2468% | 7,157 |
| Core capital (leverage) ratio | 2.1337% | 7,158 |
| Tier 1 risk-based capital ratio | 3.2564% | 7,153 |
| Total risk-based capital ratio | 4.5191% | 7,153 |
| Memoranda: | ||
| Average total assets | $202,312,750 | 3,050 |
| Average earning assets | $177,955,500 | 3,161 |
| Average equity | $4,649,250 | 6,472 |
| Average total loans | $147,766,750 | 2,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 4,492 |
| Cost of funding earning assets | 1.0471% | 1,488 |
| Net interest margin | 3.2717% | 5,526 |
| Noninterest income to average assets | 0.4508% | 4,279 |
| Noninterest expense to average assets | 3.3348% | 2,203 |
| Loan and lease loss provision to assets | 0.5099% | 1,230 |
| Net operating income to assets | -0.5225% | 6,742 |
| Return on assets (ROA) | -0.4711% | 6,762 |
| Pretax return on assets | -0.4711% | 6,734 |
| Return on Equity (ROE) | -20.3617% | 7,041 |
| Retained earnings to average equity (ytd only) | -20.3617% | 7,017 |
| Net charge-offs to loans | 1.2060% | 896 |
| Credit loss provision to net charge-offs | 58.1858% | 3,849 |
| Earnings coverage of net charge-offs (x) | -0.0144% | 5,090 |
| Efficiency ratio | 100.3793% | 543 |
| Assets per employee ($millions) | 3.8235% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 1,604 |
| Loan loss allowance to noncurrent loans | 168.2692% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 3.2116% | 1,696 |
| Noncurrent loans to loans | 1.3610% | 3,883 |
| Net loans and leases to total assets | 68.7065% | 2,160 |
| Net loans and leases to deposits | 72.2775% | 3,572 |
| Net loans and leases to core deposits | 74.2317% | 3,994 |
| Total domestic deposits to total assets | 95.0594% | 50 |
| Equity capital to assets | 2.2366% | 7,211 |
| Core capital (leverage) ratio | 2.2152% | 7,209 |
| Tier 1 risk-based capital ratio | 3.3531% | 7,204 |
| Total risk-based capital ratio | 4.6173% | 7,204 |
| Memoranda: | ||
| Average total assets | $206,312,000 | 3,019 |
| Average earning assets | $181,070,330 | 3,109 |
| Average equity | $4,773,670 | 6,460 |
| Average total loans | $149,921,000 | 2,617 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 4,580 |
| Cost of funding earning assets | 1.0502% | 1,673 |
| Net interest margin | 3.2873% | 5,510 |
| Noninterest income to average assets | 0.4015% | 4,658 |
| Noninterest expense to average assets | 3.3341% | 2,190 |
| Loan and lease loss provision to assets | 1.0202% | 401 |
| Net operating income to assets | -1.0629% | 7,006 |
| Return on assets (ROA) | -1.0629% | 7,021 |
| Pretax return on assets | -1.0629% | 6,989 |
| Return on Equity (ROE) | -45.1819% | 7,214 |
| Retained earnings to average equity (ytd only) | -45.1819% | 7,201 |
| Net charge-offs to loans | 1.7572% | 542 |
| Credit loss provision to net charge-offs | 78.6248% | 2,746 |
| Earnings coverage of net charge-offs (x) | -0.0329% | 4,380 |
| Efficiency ratio | 101.2964% | 508 |
| Assets per employee ($millions) | 3.7431% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3781% | 1,546 |
| Loan loss allowance to noncurrent loans | 134.3396% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 4.1619% | 1,312 |
| Noncurrent loans to loans | 1.7702% | 3,454 |
| Net loans and leases to total assets | 70.9879% | 1,575 |
| Net loans and leases to deposits | 74.6441% | 3,022 |
| Net loans and leases to core deposits | 78.0294% | 3,317 |
| Total domestic deposits to total assets | 95.1017% | 57 |
| Equity capital to assets | 2.2208% | 7,271 |
| Core capital (leverage) ratio | 2.2571% | 7,267 |
| Tier 1 risk-based capital ratio | 3.1942% | 7,271 |
| Total risk-based capital ratio | 4.4598% | 7,273 |
| Memoranda: | ||
| Average total assets | $206,232,500 | 3,037 |
| Average earning assets | $181,302,500 | 3,131 |
| Average equity | $4,851,500 | 6,472 |
| Average total loans | $152,289,500 | 2,597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 5,539 |
| Cost of funding earning assets | 1.1864% | 2,117 |
| Net interest margin | 3.1826% | 6,149 |
| Noninterest income to average assets | -0.9845% | 7,321 |
| Noninterest expense to average assets | 3.4039% | 2,226 |
| Loan and lease loss provision to assets | 0.4380% | 2,404 |
| Net operating income to assets | -2.0424% | 7,033 |
| Return on assets (ROA) | -1.9909% | 7,035 |
| Pretax return on assets | -1.9909% | 7,020 |
| Return on Equity (ROE) | -64.5475% | 7,258 |
| Retained earnings to average equity (ytd only) | -64.5475% | 7,258 |
| Net charge-offs to loans | 1.6516% | 943 |
| Credit loss provision to net charge-offs | 36.3332% | 5,692 |
| Earnings coverage of net charge-offs (x) | -1.3310% | 6,235 |
| Efficiency ratio | 189.1629% | 66 |
| Assets per employee ($millions) | 3.5620% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,473 |
| Loan loss allowance to noncurrent loans | 158.1127% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 3.8689% | 1,489 |
| Noncurrent loans to loans | 1.5122% | 3,878 |
| Net loans and leases to total assets | 73.1737% | 1,417 |
| Net loans and leases to deposits | 77.1327% | 2,978 |
| Net loans and leases to core deposits | 82.8274% | 3,055 |
| Total domestic deposits to total assets | 94.8673% | 64 |
| Equity capital to assets | 2.4836% | 7,298 |
| Core capital (leverage) ratio | 2.4403% | 7,294 |
| Tier 1 risk-based capital ratio | 3.4984% | 7,299 |
| Total risk-based capital ratio | 4.7569% | 7,301 |
| Memoranda: | ||
| Average total assets | $223,068,400 | 2,809 |
| Average earning assets | $195,125,000 | 2,914 |
| Average equity | $6,880,200 | 5,896 |
| Average total loans | $162,812,200 | 2,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 5,916 |
| Cost of funding earning assets | 1.2083% | 2,272 |
| Net interest margin | 3.1017% | 6,379 |
| Noninterest income to average assets | -1.2870% | 7,417 |
| Noninterest expense to average assets | 3.4467% | 2,082 |
| Loan and lease loss provision to assets | 0.4666% | 2,119 |
| Net operating income to assets | -2.4901% | 7,206 |
| Return on assets (ROA) | -2.4226% | 7,207 |
| Pretax return on assets | -2.4226% | 7,195 |
| Return on Equity (ROE) | -75.2150% | 7,353 |
| Retained earnings to average equity (ytd only) | -75.2150% | 7,352 |
| Net charge-offs to loans | 1.9239% | 676 |
| Credit loss provision to net charge-offs | 33.4315% | 5,363 |
| Earnings coverage of net charge-offs (x) | -1.4500% | 5,982 |
| Efficiency ratio | 242.1856% | 32 |
| Assets per employee ($millions) | 3.7006% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4178% | 1,510 |
| Loan loss allowance to noncurrent loans | 322.5589% | 977 |
| Noncurrent assets plus other real estate owned to assets | 3.9385% | 1,561 |
| Noncurrent loans to loans | 0.7496% | 5,379 |
| Net loans and leases to total assets | 74.6301% | 1,211 |
| Net loans and leases to deposits | 78.8328% | 2,840 |
| Net loans and leases to core deposits | 87.3316% | 2,584 |
| Total domestic deposits to total assets | 94.6688% | 60 |
| Equity capital to assets | 2.6212% | 7,376 |
| Core capital (leverage) ratio | 2.5424% | 7,371 |
| Tier 1 risk-based capital ratio | 3.5704% | 7,375 |
| Total risk-based capital ratio | 4.8359% | 7,378 |
| Memoranda: | ||
| Average total assets | $227,186,500 | 2,764 |
| Average earning assets | $198,511,750 | 2,882 |
| Average equity | $7,317,500 | 5,814 |
| Average total loans | $164,796,000 | 2,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 6,232 |
| Cost of funding earning assets | 1.2182% | 2,453 |
| Net interest margin | 3.0045% | 6,598 |
| Noninterest income to average assets | -1.6986% | 7,495 |
| Noninterest expense to average assets | 3.3895% | 2,289 |
| Loan and lease loss provision to assets | 0.6800% | 1,413 |
| Net operating income to assets | -3.1441% | 7,319 |
| Return on assets (ROA) | -3.1441% | 7,326 |
| Pretax return on assets | -3.1441% | 7,320 |
| Return on Equity (ROE) | -92.5245% | 7,433 |
| Retained earnings to average equity (ytd only) | -92.5245% | 7,431 |
| Net charge-offs to loans | 2.6423% | 423 |
| Credit loss provision to net charge-offs | 36.0544% | 4,888 |
| Earnings coverage of net charge-offs (x) | -1.3066% | 5,669 |
| Efficiency ratio | 366.2662% | 13 |
| Assets per employee ($millions) | 3.7822% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4501% | 1,524 |
| Loan loss allowance to noncurrent loans | 137.9132% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 4.9351% | 1,239 |
| Noncurrent loans to loans | 1.7766% | 3,786 |
| Net loans and leases to total assets | 72.6893% | 1,648 |
| Net loans and leases to deposits | 76.7358% | 3,333 |
| Net loans and leases to core deposits | 88.5031% | 2,568 |
| Total domestic deposits to total assets | 94.7267% | 59 |
| Equity capital to assets | 2.7028% | 7,443 |
| Core capital (leverage) ratio | 2.5063% | 7,447 |
| Tier 1 risk-based capital ratio | 3.7361% | 7,440 |
| Total risk-based capital ratio | 5.0019% | 7,443 |
| Memoranda: | ||
| Average total assets | $233,837,330 | 2,718 |
| Average earning assets | $204,228,000 | 2,823 |
| Average equity | $7,946,000 | 5,629 |
| Average total loans | $166,897,670 | 2,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 6,486 |
| Cost of funding earning assets | 1.2257% | 2,651 |
| Net interest margin | 2.8828% | 6,786 |
| Noninterest income to average assets | -0.2340% | 7,442 |
| Noninterest expense to average assets | 3.3285% | 2,470 |
| Loan and lease loss provision to assets | 0.9673% | 808 |
| Net operating income to assets | -2.0127% | 7,284 |
| Return on assets (ROA) | -2.0127% | 7,281 |
| Pretax return on assets | -2.0127% | 7,255 |
| Return on Equity (ROE) | -54.1850% | 7,427 |
| Retained earnings to average equity (ytd only) | -54.1850% | 7,415 |
| Net charge-offs to loans | 4.4148% | 191 |
| Credit loss provision to net charge-offs | 31.3272% | 4,098 |
| Earnings coverage of net charge-offs (x) | -0.3385% | 4,744 |
| Efficiency ratio | 145.7849% | 185 |
| Assets per employee ($millions) | 4.0529% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4861% | 1,476 |
| Loan loss allowance to noncurrent loans | 126.0896% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 5.8807% | 1,000 |
| Noncurrent loans to loans | 1.9717% | 3,609 |
| Net loans and leases to total assets | 67.8595% | 2,578 |
| Net loans and leases to deposits | 72.0559% | 4,070 |
| Net loans and leases to core deposits | 86.6200% | 2,789 |
| Total domestic deposits to total assets | 94.1762% | 72 |
| Equity capital to assets | 3.4869% | 7,467 |
| Core capital (leverage) ratio | 3.4145% | 7,468 |
| Tier 1 risk-based capital ratio | 5.1326% | 7,452 |
| Total risk-based capital ratio | 6.3989% | 7,452 |
| Memoranda: | ||
| Average total assets | $241,072,000 | 2,655 |
| Average earning assets | $210,492,000 | 2,777 |
| Average equity | $8,954,500 | 5,346 |
| Average total loans | $168,615,500 | 2,450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 6,602 |
| Cost of funding earning assets | 1.3690% | 3,460 |
| Net interest margin | 3.0393% | 6,661 |
| Noninterest income to average assets | 0.3242% | 5,469 |
| Noninterest expense to average assets | 3.1580% | 3,243 |
| Loan and lease loss provision to assets | 1.9516% | 688 |
| Net operating income to assets | -4.1568% | 7,456 |
| Return on assets (ROA) | -4.1568% | 7,465 |
| Pretax return on assets | -2.1911% | 7,088 |
| Return on Equity (ROE) | -64.7612% | 7,503 |
| Retained earnings to average equity (ytd only) | -64.7612% | 7,501 |
| Net charge-offs to loans | 2.7845% | 634 |
| Credit loss provision to net charge-offs | 98.2940% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.1206% | 6,240 |
| Efficiency ratio | 108.2051% | 571 |
| Assets per employee ($millions) | 4.1190% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1699% | 752 |
| Loan loss allowance to noncurrent loans | 160.4444% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 6.0826% | 969 |
| Noncurrent loans to loans | 1.9757% | 3,600 |
| Net loans and leases to total assets | 68.0646% | 2,972 |
| Net loans and leases to deposits | 72.5615% | 4,420 |
| Net loans and leases to core deposits | 90.1138% | 2,751 |
| Total domestic deposits to total assets | 93.8026% | 96 |
| Equity capital to assets | 3.9383% | 7,509 |
| Core capital (leverage) ratio | 3.8081% | 7,512 |
| Tier 1 risk-based capital ratio | 5.7553% | 7,492 |
| Total risk-based capital ratio | 7.0304% | 7,496 |
| Memoranda: | ||
| Average total assets | $253,894,400 | 2,506 |
| Average earning assets | $216,724,600 | 2,665 |
| Average equity | $16,296,800 | 3,705 |
| Average total loans | $181,039,200 | 2,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 6,730 |
| Cost of funding earning assets | 1.3818% | 3,696 |
| Net interest margin | 3.0669% | 6,693 |
| Noninterest income to average assets | 0.3367% | 5,474 |
| Noninterest expense to average assets | 3.1523% | 3,102 |
| Loan and lease loss provision to assets | 2.3381% | 470 |
| Net operating income to assets | -2.1204% | 7,268 |
| Return on assets (ROA) | -2.1204% | 7,283 |
| Pretax return on assets | -2.5532% | 7,330 |
| Return on Equity (ROE) | -30.2655% | 7,384 |
| Retained earnings to average equity (ytd only) | -30.2655% | 7,377 |
| Net charge-offs to loans | 3.6522% | 360 |
| Credit loss provision to net charge-offs | 89.4810% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.0823% | 6,095 |
| Efficiency ratio | 107.3235% | 572 |
| Assets per employee ($millions) | 4.3817% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8939% | 916 |
| Loan loss allowance to noncurrent loans | 174.5787% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 5.5382% | 1,109 |
| Noncurrent loans to loans | 1.6576% | 4,159 |
| Net loans and leases to total assets | 63.4603% | 4,228 |
| Net loans and leases to deposits | 69.2226% | 5,243 |
| Net loans and leases to core deposits | 88.9708% | 3,242 |
| Total domestic deposits to total assets | 91.6756% | 261 |
| Equity capital to assets | 6.1361% | 7,471 |
| Core capital (leverage) ratio | 4.2070% | 7,608 |
| Tier 1 risk-based capital ratio | 5.9301% | 7,607 |
| Total risk-based capital ratio | 7.2000% | 7,608 |
| Memoranda: | ||
| Average total assets | $256,612,500 | 2,522 |
| Average earning assets | $217,590,250 | 2,694 |
| Average equity | $17,978,250 | 3,475 |
| Average total loans | $183,592,250 | 2,347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 6,657 |
| Cost of funding earning assets | 1.3967% | 3,898 |
| Net interest margin | 3.1248% | 6,535 |
| Noninterest income to average assets | 0.3568% | 5,292 |
| Noninterest expense to average assets | 3.1904% | 2,933 |
| Loan and lease loss provision to assets | 3.1212% | 311 |
| Net operating income to assets | -2.6332% | 7,444 |
| Return on assets (ROA) | -2.6332% | 7,454 |
| Pretax return on assets | -3.2878% | 7,514 |
| Return on Equity (ROE) | -36.0445% | 7,498 |
| Retained earnings to average equity (ytd only) | -36.0445% | 7,488 |
| Net charge-offs to loans | 3.6135% | 398 |
| Credit loss provision to net charge-offs | 117.2373% | 3,469 |
| Earnings coverage of net charge-offs (x) | -0.0626% | 5,774 |
| Efficiency ratio | 105.5094% | 639 |
| Assets per employee ($millions) | 4.2043% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3867% | 595 |
| Loan loss allowance to noncurrent loans | 160.3426% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 6.1053% | 952 |
| Noncurrent loans to loans | 2.1122% | 3,578 |
| Net loans and leases to total assets | 68.8149% | 3,169 |
| Net loans and leases to deposits | 75.5957% | 4,403 |
| Net loans and leases to core deposits | 100.9373% | 1,924 |
| Total domestic deposits to total assets | 91.0301% | 474 |
| Equity capital to assets | 6.6797% | 7,445 |
| Core capital (leverage) ratio | 4.7948% | 7,623 |
| Tier 1 risk-based capital ratio | 6.4360% | 7,640 |
| Total risk-based capital ratio | 7.7126% | 7,642 |
| Memoranda: | ||
| Average total assets | $254,515,670 | 2,559 |
| Average earning assets | $217,232,000 | 2,716 |
| Average equity | $18,593,670 | 3,360 |
| Average total loans | $187,519,330 | 2,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 6,654 |
| Cost of funding earning assets | 1.4147% | 4,088 |
| Net interest margin | 3.1445% | 6,475 |
| Noninterest income to average assets | 0.5179% | 3,914 |
| Noninterest expense to average assets | 3.1997% | 2,866 |
| Loan and lease loss provision to assets | 3.4407% | 273 |
| Net operating income to assets | -2.1311% | 7,491 |
| Return on assets (ROA) | -2.1311% | 7,494 |
| Pretax return on assets | -3.4376% | 7,635 |
| Return on Equity (ROE) | -27.9880% | 7,543 |
| Retained earnings to average equity (ytd only) | -27.9880% | 7,511 |
| Net charge-offs to loans | 2.0351% | 841 |
| Credit loss provision to net charge-offs | 225.7700% | 1,676 |
| Earnings coverage of net charge-offs (x) | 0.0021% | 5,021 |
| Efficiency ratio | 99.9023% | 843 |
| Assets per employee ($millions) | 3.9304% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5585% | 520 |
| Loan loss allowance to noncurrent loans | 97.1684% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 6.5690% | 864 |
| Noncurrent loans to loans | 3.6622% | 2,174 |
| Net loans and leases to total assets | 73.6150% | 2,053 |
| Net loans and leases to deposits | 81.7172% | 3,335 |
| Net loans and leases to core deposits | 111.0066% | 1,221 |
| Total domestic deposits to total assets | 90.0851% | 944 |
| Equity capital to assets | 7.5871% | 7,003 |
| Core capital (leverage) ratio | 6.0067% | 7,580 |
| Tier 1 risk-based capital ratio | 8.0421% | 7,606 |
| Total risk-based capital ratio | 9.3214% | 7,610 |
| Memoranda: | ||
| Average total assets | $255,646,000 | 2,599 |
| Average earning assets | $218,285,500 | 2,759 |
| Average equity | $19,465,500 | 3,271 |
| Average total loans | $191,442,000 | 2,355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 6,761 |
| Cost of funding earning assets | 1.7877% | 4,050 |
| Net interest margin | 3.0908% | 6,396 |
| Noninterest income to average assets | -0.1710% | 7,845 |
| Noninterest expense to average assets | 3.2237% | 3,303 |
| Loan and lease loss provision to assets | 2.8250% | 646 |
| Net operating income to assets | -2.1932% | 7,163 |
| Return on assets (ROA) | -2.1824% | 7,156 |
| Pretax return on assets | -3.5274% | 7,424 |
| Return on Equity (ROE) | -25.3543% | 7,295 |
| Retained earnings to average equity (ytd only) | -25.3543% | 7,272 |
| Net charge-offs to loans | 3.7877% | 470 |
| Credit loss provision to net charge-offs | 91.6760% | 5,947 |
| Earnings coverage of net charge-offs (x) | -0.2334% | 6,492 |
| Efficiency ratio | 128.7201% | 491 |
| Assets per employee ($millions) | 3.8214% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8374% | 892 |
| Loan loss allowance to noncurrent loans | 153.7022% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 4.9690% | 1,243 |
| Noncurrent loans to loans | 1.8460% | 3,869 |
| Net loans and leases to total assets | 71.4416% | 2,897 |
| Net loans and leases to deposits | 79.2545% | 4,126 |
| Net loans and leases to core deposits | 103.1531% | 3,670 |
| Total domestic deposits to total assets | 90.1420% | 899 |
| Equity capital to assets | 7.6397% | 6,908 |
| Core capital (leverage) ratio | 6.5532% | 7,466 |
| Tier 1 risk-based capital ratio | 8.9237% | 7,502 |
| Total risk-based capital ratio | 10.1936% | 7,514 |
| Memoranda: | ||
| Average total assets | $260,814,600 | 2,509 |
| Average earning assets | $225,765,000 | 2,640 |
| Average equity | $22,449,800 | 2,894 |
| Average total loans | $212,185,000 | 2,171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 6,794 |
| Cost of funding earning assets | 1.8751% | 4,014 |
| Net interest margin | 3.0652% | 6,418 |
| Noninterest income to average assets | 0.5536% | 4,055 |
| Noninterest expense to average assets | 3.2218% | 3,231 |
| Loan and lease loss provision to assets | 2.5697% | 637 |
| Net operating income to assets | -1.4477% | 7,083 |
| Return on assets (ROA) | -1.4333% | 7,073 |
| Pretax return on assets | -2.5590% | 7,366 |
| Return on Equity (ROE) | -16.1898% | 7,245 |
| Retained earnings to average equity (ytd only) | -16.1898% | 7,197 |
| Net charge-offs to loans | 3.0275% | 545 |
| Credit loss provision to net charge-offs | 101.8488% | 4,999 |
| Earnings coverage of net charge-offs (x) | -0.0047% | 6,073 |
| Efficiency ratio | 100.3673% | 1,046 |
| Assets per employee ($millions) | 3.7542% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0688% | 636 |
| Loan loss allowance to noncurrent loans | 119.9425% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 5.3449% | 1,085 |
| Noncurrent loans to loans | 2.5585% | 2,950 |
| Net loans and leases to total assets | 75.2539% | 2,174 |
| Net loans and leases to deposits | 84.5784% | 3,556 |
| Net loans and leases to core deposits | 113.4867% | 2,882 |
| Total domestic deposits to total assets | 88.9754% | 1,208 |
| Equity capital to assets | 8.7799% | 5,835 |
| Core capital (leverage) ratio | 8.2133% | 5,990 |
| Tier 1 risk-based capital ratio | 10.4517% | 6,523 |
| Total risk-based capital ratio | 11.7255% | 6,448 |
| Memoranda: | ||
| Average total assets | $260,099,750 | 2,528 |
| Average earning assets | $225,403,750 | 2,669 |
| Average equity | $23,026,250 | 2,850 |
| Average total loans | $216,762,750 | 2,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 6,711 |
| Cost of funding earning assets | 2.0404% | 3,574 |
| Net interest margin | 2.9763% | 6,617 |
| Noninterest income to average assets | 0.4969% | 4,472 |
| Noninterest expense to average assets | 3.2924% | 2,986 |
| Loan and lease loss provision to assets | 2.7014% | 569 |
| Net operating income to assets | -1.7949% | 7,362 |
| Return on assets (ROA) | -1.7731% | 7,348 |
| Pretax return on assets | -2.8889% | 7,541 |
| Return on Equity (ROE) | -19.9733% | 7,500 |
| Retained earnings to average equity (ytd only) | -19.9733% | 7,452 |
| Net charge-offs to loans | 1.8506% | 1,019 |
| Credit loss provision to net charge-offs | 171.1980% | 2,689 |
| Earnings coverage of net charge-offs (x) | -0.1403% | 5,833 |
| Efficiency ratio | 107.2111% | 936 |
| Assets per employee ($millions) | 3.4706% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5906% | 349 |
| Loan loss allowance to noncurrent loans | 138.9577% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 5.4533% | 930 |
| Noncurrent loans to loans | 2.5840% | 2,805 |
| Net loans and leases to total assets | 81.9413% | 964 |
| Net loans and leases to deposits | 93.4661% | 2,179 |
| Net loans and leases to core deposits | 130.0396% | 1,554 |
| Total domestic deposits to total assets | 87.6695% | 1,941 |
| Equity capital to assets | 8.8449% | 5,531 |
| Core capital (leverage) ratio | 8.0105% | 6,309 |
| Tier 1 risk-based capital ratio | 9.8876% | 7,052 |
| Total risk-based capital ratio | 11.1502% | 6,970 |
| Memoranda: | ||
| Average total assets | $259,202,000 | 2,549 |
| Average earning assets | $224,168,670 | 2,697 |
| Average equity | $23,010,670 | 2,860 |
| Average total loans | $221,009,330 | 2,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 7,138 |
| Cost of funding earning assets | 2.1690% | 3,322 |
| Net interest margin | 2.7444% | 7,105 |
| Noninterest income to average assets | 0.4002% | 5,209 |
| Noninterest expense to average assets | 3.1941% | 3,005 |
| Loan and lease loss provision to assets | 3.1547% | 345 |
| Net operating income to assets | -2.2087% | 7,709 |
| Return on assets (ROA) | -2.2087% | 7,711 |
| Pretax return on assets | -3.5625% | 7,849 |
| Return on Equity (ROE) | -24.8370% | 7,840 |
| Retained earnings to average equity (ytd only) | -24.8370% | 7,765 |
| Net charge-offs to loans | 2.9451% | 433 |
| Credit loss provision to net charge-offs | 125.4370% | 3,166 |
| Earnings coverage of net charge-offs (x) | -0.1621% | 5,113 |
| Efficiency ratio | 114.6355% | 723 |
| Assets per employee ($millions) | 3.5344% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9970% | 481 |
| Loan loss allowance to noncurrent loans | 122.0289% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 4.6557% | 1,014 |
| Noncurrent loans to loans | 2.4560% | 2,690 |
| Net loans and leases to total assets | 81.5770% | 1,086 |
| Net loans and leases to deposits | 93.8259% | 2,300 |
| Net loans and leases to core deposits | 134.2725% | 1,405 |
| Total domestic deposits to total assets | 86.9450% | 2,245 |
| Equity capital to assets | 8.8014% | 5,622 |
| Core capital (leverage) ratio | 8.1074% | 6,275 |
| Tier 1 risk-based capital ratio | 10.3422% | 6,555 |
| Total risk-based capital ratio | 11.6168% | 6,441 |
| Memoranda: | ||
| Average total assets | $263,860,500 | 2,515 |
| Average earning assets | $229,409,500 | 2,654 |
| Average equity | $23,465,000 | 2,823 |
| Average total loans | $225,321,500 | 2,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0657% | 5,226 |
| Cost of funding earning assets | 2.7384% | 2,980 |
| Net interest margin | 3.3273% | 5,937 |
| Noninterest income to average assets | 0.3754% | 5,690 |
| Noninterest expense to average assets | 3.2389% | 3,190 |
| Loan and lease loss provision to assets | 3.2815% | 261 |
| Net operating income to assets | -1.9824% | 7,599 |
| Return on assets (ROA) | -1.9824% | 7,560 |
| Pretax return on assets | -3.1314% | 7,741 |
| Return on Equity (ROE) | -20.5998% | 7,771 |
| Retained earnings to average equity (ytd only) | -21.8190% | 7,730 |
| Net charge-offs to loans | 2.0342% | 526 |
| Credit loss provision to net charge-offs | 182.1359% | 2,744 |
| Earnings coverage of net charge-offs (x) | 0.0834% | 6,197 |
| Efficiency ratio | 95.5689% | 1,182 |
| Assets per employee ($millions) | 3.3693% | 5,039 |
| Cash dividends to net income (ytd only)* | -5.9183% | 7,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6746% | 574 |
| Loan loss allowance to noncurrent loans | 148.7105% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3617% | 1,340 |
| Noncurrent loans to loans | 1.7985% | 3,061 |
| Net loans and leases to total assets | 84.3504% | 832 |
| Net loans and leases to deposits | 98.2058% | 2,093 |
| Net loans and leases to core deposits | 130.7816% | 1,796 |
| Total domestic deposits to total assets | 85.8915% | 2,456 |
| Equity capital to assets | 8.9829% | 5,387 |
| Core capital (leverage) ratio | 8.4597% | 5,641 |
| Tier 1 risk-based capital ratio | 10.4020% | 6,312 |
| Total risk-based capital ratio | 11.6722% | 6,168 |
| Memoranda: | ||
| Average total assets | $255,704,200 | 2,504 |
| Average earning assets | $231,598,000 | 2,538 |
| Average equity | $24,607,000 | 2,680 |
| Average total loans | $226,482,400 | 2,072 |