Home > First National Bank of Crestview > Performance and Condition Ratios
First National Bank of Crestview, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1131% | 5,939 |
| Cost of funding earning assets | 0.2649% | 5,163 |
| Net interest margin | 2.8482% | 5,732 |
| Noninterest income to average assets | -1.2111% | 6,506 |
| Noninterest expense to average assets | 4.1091% | 678 |
| Loan and lease loss provision to assets | -0.5407% | 6,452 |
| Net operating income to assets | -2.6481% | 6,473 |
| Return on assets (ROA) | -2.6313% | 6,472 |
| Pretax return on assets | -2.6313% | 6,470 |
| Return on Equity (ROE) | -135.3188% | 6,507 |
| Retained earnings to average equity (ytd only) | -135.3188% | 6,507 |
| Net charge-offs to loans | -0.8379% | 6,439 |
| Credit loss provision to net charge-offs | 186.7220% | 1,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 446.4752% | 5 |
| Assets per employee ($millions) | 2.9522% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6755% | 49 |
| Loan loss allowance to noncurrent loans | 726.1905% | 786 |
| Noncurrent assets plus other real estate owned to assets | 14.7702% | 37 |
| Noncurrent loans to loans | 0.7815% | 3,351 |
| Net loans and leases to total assets | 34.3410% | 6,023 |
| Net loans and leases to deposits | 34.6248% | 6,207 |
| Net loans and leases to core deposits | 35.1175% | 6,218 |
| Total domestic deposits to total assets | 99.1803% | 2 |
| Equity capital to assets | 0.4675% | 6,507 |
| Core capital (leverage) ratio | 0.7406% | 6,508 |
| Tier 1 risk-based capital ratio | 1.3464% | 6,508 |
| Total risk-based capital ratio | 2.6249% | 6,508 |
| Memoranda: | ||
| Average total assets | $83,229,000 | 4,979 |
| Average earning assets | $62,284,600 | 5,330 |
| Average equity | $1,618,400 | 6,448 |
| Average total loans | $28,761,000 | 5,618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 5,910 |
| Cost of funding earning assets | 0.2748% | 5,154 |
| Net interest margin | 2.9163% | 5,669 |
| Noninterest income to average assets | -1.5672% | 6,585 |
| Noninterest expense to average assets | 4.0255% | 732 |
| Loan and lease loss provision to assets | -0.7010% | 6,551 |
| Net operating income to assets | -2.7091% | 6,552 |
| Return on assets (ROA) | -2.5907% | 6,549 |
| Pretax return on assets | -2.5907% | 6,547 |
| Return on Equity (ROE) | -114.4846% | 6,582 |
| Retained earnings to average equity (ytd only) | -114.4846% | 6,582 |
| Net charge-offs to loans | -1.0216% | 6,518 |
| Credit loss provision to net charge-offs | 200.8929% | 1,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 654.1772% | 3 |
| Assets per employee ($millions) | 3.1889% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4239% | 61 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 14.6281% | 39 |
| Noncurrent loans to loans | 1.2517% | 2,549 |
| Net loans and leases to total assets | 32.9830% | 6,152 |
| Net loans and leases to deposits | 33.4419% | 6,315 |
| Net loans and leases to core deposits | 33.8844% | 6,323 |
| Total domestic deposits to total assets | 98.6277% | 3 |
| Equity capital to assets | 1.0198% | 6,586 |
| Core capital (leverage) ratio | 1.3493% | 6,585 |
| Tier 1 risk-based capital ratio | 2.3623% | 6,583 |
| Total risk-based capital ratio | 3.6377% | 6,582 |
| Memoranda: | ||
| Average total assets | $85,585,250 | 4,982 |
| Average earning assets | $64,051,000 | 5,333 |
| Average equity | $1,936,750 | 6,488 |
| Average total loans | $29,233,750 | 5,652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 5,845 |
| Cost of funding earning assets | 0.2877% | 5,100 |
| Net interest margin | 2.9783% | 5,577 |
| Noninterest income to average assets | -0.5118% | 6,649 |
| Noninterest expense to average assets | 3.9319% | 826 |
| Loan and lease loss provision to assets | -1.0281% | 6,633 |
| Net operating income to assets | -1.1926% | 6,552 |
| Return on assets (ROA) | -1.0441% | 6,533 |
| Pretax return on assets | -1.0441% | 6,515 |
| Return on Equity (ROE) | -39.5443% | 6,629 |
| Retained earnings to average equity (ytd only) | -39.5443% | 6,616 |
| Net charge-offs to loans | -1.4002% | 6,590 |
| Credit loss provision to net charge-offs | 216.3462% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.7730% | 14 |
| Assets per employee ($millions) | 2.9715% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2159% | 76 |
| Loan loss allowance to noncurrent loans | 372.0698% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 15.3121% | 32 |
| Noncurrent loans to loans | 1.4019% | 2,454 |
| Net loans and leases to total assets | 32.5870% | 6,220 |
| Net loans and leases to deposits | 33.5275% | 6,357 |
| Net loans and leases to core deposits | 34.2808% | 6,369 |
| Total domestic deposits to total assets | 97.1948% | 7 |
| Equity capital to assets | 2.4903% | 6,637 |
| Core capital (leverage) ratio | 2.6402% | 6,640 |
| Tier 1 risk-based capital ratio | 4.7142% | 6,629 |
| Total risk-based capital ratio | 5.9868% | 6,630 |
| Memoranda: | ||
| Average total assets | $87,539,330 | 4,983 |
| Average earning assets | $65,339,670 | 5,338 |
| Average equity | $2,311,330 | 6,504 |
| Average total loans | $29,710,670 | 5,671 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 5,821 |
| Cost of funding earning assets | 0.2992% | 5,075 |
| Net interest margin | 3.0101% | 5,501 |
| Noninterest income to average assets | 0.2096% | 5,681 |
| Noninterest expense to average assets | 3.7856% | 1,009 |
| Loan and lease loss provision to assets | -2.0065% | 6,720 |
| Net operating income to assets | 0.6733% | 3,828 |
| Return on assets (ROA) | 0.6733% | 3,910 |
| Pretax return on assets | 0.6733% | 4,581 |
| Return on Equity (ROE) | 24.8457% | 122 |
| Retained earnings to average equity (ytd only) | 24.8457% | 57 |
| Net charge-offs to loans | -2.2601% | 6,667 |
| Credit loss provision to net charge-offs | 263.1579% | 877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.3636% | 54 |
| Assets per employee ($millions) | 3.5642% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0458% | 90 |
| Loan loss allowance to noncurrent loans | 826.7045% | 615 |
| Noncurrent assets plus other real estate owned to assets | 15.5659% | 38 |
| Noncurrent loans to loans | 0.6103% | 4,333 |
| Net loans and leases to total assets | 30.7289% | 6,317 |
| Net loans and leases to deposits | 31.7531% | 6,443 |
| Net loans and leases to core deposits | 32.5523% | 6,449 |
| Total domestic deposits to total assets | 96.7746% | 15 |
| Equity capital to assets | 2.9336% | 6,693 |
| Core capital (leverage) ratio | 3.2586% | 6,696 |
| Tier 1 risk-based capital ratio | 5.6649% | 6,688 |
| Total risk-based capital ratio | 6.9335% | 6,687 |
| Memoranda: | ||
| Average total assets | $89,708,000 | 4,978 |
| Average earning assets | $66,841,500 | 5,356 |
| Average equity | $2,431,000 | 6,550 |
| Average total loans | $30,263,500 | 5,709 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 6,093 |
| Cost of funding earning assets | 0.3724% | 4,920 |
| Net interest margin | 2.8635% | 5,876 |
| Noninterest income to average assets | -0.4928% | 6,790 |
| Noninterest expense to average assets | 3.7572% | 1,205 |
| Loan and lease loss provision to assets | 0.4138% | 717 |
| Net operating income to assets | -2.5346% | 6,739 |
| Return on assets (ROA) | -2.3861% | 6,731 |
| Pretax return on assets | -2.3861% | 6,728 |
| Return on Equity (ROE) | -60.1316% | 6,784 |
| Retained earnings to average equity (ytd only) | -60.1316% | 6,782 |
| Net charge-offs to loans | 2.8263% | 90 |
| Credit loss provision to net charge-offs | 41.7197% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.1380% | 5,331 |
| Efficiency ratio | 229.6010% | 18 |
| Assets per employee ($millions) | 3.6124% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4716% | 70 |
| Loan loss allowance to noncurrent loans | 304.2105% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 16.3967% | 38 |
| Noncurrent loans to loans | 1.7986% | 2,236 |
| Net loans and leases to total assets | 33.1709% | 6,327 |
| Net loans and leases to deposits | 34.1021% | 6,484 |
| Net loans and leases to core deposits | 34.9438% | 6,498 |
| Total domestic deposits to total assets | 97.2694% | 13 |
| Equity capital to assets | 2.4892% | 6,774 |
| Core capital (leverage) ratio | 3.0231% | 6,775 |
| Tier 1 risk-based capital ratio | 4.9441% | 6,770 |
| Total risk-based capital ratio | 6.2167% | 6,771 |
| Memoranda: | ||
| Average total assets | $94,965,000 | 4,869 |
| Average earning assets | $70,614,000 | 5,297 |
| Average equity | $3,768,400 | 6,377 |
| Average total loans | $33,329,800 | 5,607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 6,230 |
| Cost of funding earning assets | 0.3763% | 5,036 |
| Net interest margin | 2.7998% | 6,020 |
| Noninterest income to average assets | -0.8516% | 6,882 |
| Noninterest expense to average assets | 3.6020% | 1,392 |
| Loan and lease loss provision to assets | 0.5451% | 483 |
| Net operating income to assets | -2.9141% | 6,844 |
| Return on assets (ROA) | -2.7185% | 6,833 |
| Pretax return on assets | -2.7185% | 6,829 |
| Return on Equity (ROE) | -62.9931% | 6,869 |
| Retained earnings to average equity (ytd only) | -62.9931% | 6,866 |
| Net charge-offs to loans | 3.7502% | 49 |
| Credit loss provision to net charge-offs | 41.4120% | 3,684 |
| Earnings coverage of net charge-offs (x) | -1.7998% | 5,072 |
| Efficiency ratio | 292.1260% | 9 |
| Assets per employee ($millions) | 3.5817% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4303% | 83 |
| Loan loss allowance to noncurrent loans | 297.2461% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 16.6735% | 37 |
| Noncurrent loans to loans | 1.8269% | 2,461 |
| Net loans and leases to total assets | 32.2967% | 6,443 |
| Net loans and leases to deposits | 33.3344% | 6,584 |
| Net loans and leases to core deposits | 34.1346% | 6,609 |
| Total domestic deposits to total assets | 96.8869% | 10 |
| Equity capital to assets | 2.8092% | 6,850 |
| Core capital (leverage) ratio | 3.2202% | 6,851 |
| Tier 1 risk-based capital ratio | 5.3322% | 6,841 |
| Total risk-based capital ratio | 6.6031% | 6,842 |
| Memoranda: | ||
| Average total assets | $96,128,500 | 4,879 |
| Average earning assets | $71,575,250 | 5,315 |
| Average equity | $4,148,500 | 6,364 |
| Average total loans | $33,739,500 | 5,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0872% | 6,352 |
| Cost of funding earning assets | 0.3786% | 5,155 |
| Net interest margin | 2.7086% | 6,167 |
| Noninterest income to average assets | -0.4509% | 6,903 |
| Noninterest expense to average assets | 3.4305% | 1,759 |
| Loan and lease loss provision to assets | 0.8092% | 262 |
| Net operating income to assets | -2.6727% | 6,884 |
| Return on assets (ROA) | -2.3824% | 6,873 |
| Pretax return on assets | -2.3824% | 6,866 |
| Return on Equity (ROE) | -49.6638% | 6,904 |
| Retained earnings to average equity (ytd only) | -49.6638% | 6,899 |
| Net charge-offs to loans | 5.5955% | 26 |
| Credit loss provision to net charge-offs | 40.8524% | 3,404 |
| Earnings coverage of net charge-offs (x) | -0.9407% | 4,711 |
| Efficiency ratio | 218.9225% | 26 |
| Assets per employee ($millions) | 3.4182% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3011% | 100 |
| Loan loss allowance to noncurrent loans | 130.5407% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 18.0587% | 30 |
| Noncurrent loans to loans | 4.0609% | 950 |
| Net loans and leases to total assets | 31.9914% | 6,509 |
| Net loans and leases to deposits | 33.3417% | 6,633 |
| Net loans and leases to core deposits | 34.1657% | 6,647 |
| Total domestic deposits to total assets | 95.9503% | 25 |
| Equity capital to assets | 3.7958% | 6,872 |
| Core capital (leverage) ratio | 3.9831% | 6,876 |
| Tier 1 risk-based capital ratio | 6.7178% | 6,855 |
| Total risk-based capital ratio | 7.9885% | 6,858 |
| Memoranda: | ||
| Average total assets | $97,130,000 | 4,880 |
| Average earning assets | $72,363,330 | 5,322 |
| Average equity | $4,659,330 | 6,279 |
| Average total loans | $34,385,000 | 5,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0220% | 6,489 |
| Cost of funding earning assets | 0.3784% | 5,301 |
| Net interest margin | 2.6436% | 6,304 |
| Noninterest income to average assets | -0.2330% | 6,956 |
| Noninterest expense to average assets | 3.4669% | 1,691 |
| Loan and lease loss provision to assets | 1.6067% | 88 |
| Net operating income to assets | -3.3361% | 6,974 |
| Return on assets (ROA) | -3.3361% | 6,976 |
| Pretax return on assets | -3.3361% | 6,973 |
| Return on Equity (ROE) | -63.1029% | 6,983 |
| Retained earnings to average equity (ytd only) | -63.1029% | 6,978 |
| Net charge-offs to loans | 10.8893% | 10 |
| Credit loss provision to net charge-offs | 40.7676% | 2,736 |
| Earnings coverage of net charge-offs (x) | -0.4388% | 3,920 |
| Efficiency ratio | 199.5294% | 38 |
| Assets per employee ($millions) | 3.4732% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1347% | 124 |
| Loan loss allowance to noncurrent loans | 115.1984% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 18.1935% | 40 |
| Noncurrent loans to loans | 4.4573% | 943 |
| Net loans and leases to total assets | 32.5433% | 6,485 |
| Net loans and leases to deposits | 34.2600% | 6,629 |
| Net loans and leases to core deposits | 35.1017% | 6,645 |
| Total domestic deposits to total assets | 94.9892% | 47 |
| Equity capital to assets | 4.8237% | 6,899 |
| Core capital (leverage) ratio | 4.2927% | 6,919 |
| Tier 1 risk-based capital ratio | 6.9938% | 6,899 |
| Total risk-based capital ratio | 8.2641% | 6,900 |
| Memoranda: | ||
| Average total assets | $97,840,000 | 4,910 |
| Average earning assets | $72,931,500 | 5,360 |
| Average equity | $5,172,500 | 6,197 |
| Average total loans | $35,411,000 | 5,648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 6,337 |
| Cost of funding earning assets | 0.5264% | 5,018 |
| Net interest margin | 2.9950% | 6,064 |
| Noninterest income to average assets | -2.4648% | 7,081 |
| Noninterest expense to average assets | 3.5297% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -2.4438% | 6,972 |
| Return on assets (ROA) | -2.4438% | 6,975 |
| Pretax return on assets | -3.7415% | 7,041 |
| Return on Equity (ROE) | -39.0778% | 6,991 |
| Retained earnings to average equity (ytd only) | -39.0778% | 6,982 |
| Net charge-offs to loans | 1.6931% | 489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -5.6991% | 5,914 |
| Efficiency ratio | -1,666.2162% | 7,080 |
| Assets per employee ($millions) | 3.2810% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0943% | 64 |
| Loan loss allowance to noncurrent loans | 71.8829% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 18.2575% | 41 |
| Noncurrent loans to loans | 8.4782% | 333 |
| Net loans and leases to total assets | 35.7387% | 6,449 |
| Net loans and leases to deposits | 38.0188% | 6,636 |
| Net loans and leases to core deposits | 39.1619% | 6,639 |
| Total domestic deposits to total assets | 94.0029% | 68 |
| Equity capital to assets | 5.7441% | 6,906 |
| Core capital (leverage) ratio | 4.9874% | 6,935 |
| Tier 1 risk-based capital ratio | 8.0024% | 6,914 |
| Total risk-based capital ratio | 9.2815% | 6,915 |
| Memoranda: | ||
| Average total assets | $104,796,800 | 4,713 |
| Average earning assets | $78,830,400 | 5,164 |
| Average equity | $6,553,600 | 5,879 |
| Average total loans | $40,635,600 | 5,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 6,547 |
| Cost of funding earning assets | 0.5627% | 4,978 |
| Net interest margin | 2.9019% | 6,356 |
| Noninterest income to average assets | -2.0804% | 7,174 |
| Noninterest expense to average assets | 3.4727% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -3.3687% | 7,124 |
| Return on assets (ROA) | -3.3687% | 7,125 |
| Pretax return on assets | -3.3687% | 7,122 |
| Return on Equity (ROE) | -52.8717% | 7,127 |
| Retained earnings to average equity (ytd only) | -52.8717% | 7,122 |
| Net charge-offs to loans | 2.0339% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.2531% | 5,695 |
| Efficiency ratio | 3,338.5542% | 1 |
| Assets per employee ($millions) | 3.5256% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0796% | 63 |
| Loan loss allowance to noncurrent loans | 60.9909% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 18.8786% | 46 |
| Noncurrent loans to loans | 9.9680% | 248 |
| Net loans and leases to total assets | 35.3413% | 6,591 |
| Net loans and leases to deposits | 38.0550% | 6,750 |
| Net loans and leases to core deposits | 39.5235% | 6,759 |
| Total domestic deposits to total assets | 92.8689% | 124 |
| Equity capital to assets | 5.5231% | 7,019 |
| Core capital (leverage) ratio | 4.5588% | 7,053 |
| Tier 1 risk-based capital ratio | 7.6521% | 7,013 |
| Total risk-based capital ratio | 8.9321% | 7,012 |
| Memoranda: | ||
| Average total assets | $106,388,250 | 4,724 |
| Average earning assets | $80,082,750 | 5,177 |
| Average equity | $6,778,500 | 5,886 |
| Average total loans | $41,429,250 | 5,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 6,593 |
| Cost of funding earning assets | 0.6095% | 4,818 |
| Net interest margin | 2.9019% | 6,426 |
| Noninterest income to average assets | -2.7948% | 7,242 |
| Noninterest expense to average assets | 3.4054% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -4.0178% | 7,193 |
| Return on assets (ROA) | -4.0178% | 7,194 |
| Pretax return on assets | -4.0178% | 7,189 |
| Return on Equity (ROE) | -60.5115% | 7,184 |
| Retained earnings to average equity (ytd only) | -60.5115% | 7,179 |
| Net charge-offs to loans | 3.0367% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -3.3618% | 5,420 |
| Efficiency ratio | -556.0606% | 7,242 |
| Assets per employee ($millions) | 3.5244% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1155% | 77 |
| Loan loss allowance to noncurrent loans | 65.1736% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 19.3033% | 46 |
| Noncurrent loans to loans | 9.3835% | 305 |
| Net loans and leases to total assets | 33.8012% | 6,733 |
| Net loans and leases to deposits | 36.4527% | 6,859 |
| Net loans and leases to core deposits | 37.9339% | 6,873 |
| Total domestic deposits to total assets | 92.7260% | 145 |
| Equity capital to assets | 5.7466% | 7,044 |
| Core capital (leverage) ratio | 4.9805% | 7,071 |
| Tier 1 risk-based capital ratio | 8.2606% | 7,028 |
| Total risk-based capital ratio | 9.5394% | 7,028 |
| Memoranda: | ||
| Average total assets | $107,770,000 | 4,721 |
| Average earning assets | $81,049,000 | 5,177 |
| Average equity | $7,155,670 | 5,800 |
| Average total loans | $42,414,670 | 5,498 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 6,614 |
| Cost of funding earning assets | 0.6790% | 4,476 |
| Net interest margin | 2.8871% | 6,506 |
| Noninterest income to average assets | -3.0113% | 7,306 |
| Noninterest expense to average assets | 3.2651% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -4.1034% | 7,259 |
| Return on assets (ROA) | -4.1034% | 7,259 |
| Pretax return on assets | -4.1034% | 7,253 |
| Return on Equity (ROE) | -58.0079% | 7,237 |
| Retained earnings to average equity (ytd only) | -58.0079% | 7,227 |
| Net charge-offs to loans | -1.3367% | 7,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -389.4737% | 7,301 |
| Assets per employee ($millions) | 3.6545% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3796% | 43 |
| Loan loss allowance to noncurrent loans | 46.1402% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 20.3596% | 45 |
| Noncurrent loans to loans | 15.9938% | 102 |
| Net loans and leases to total assets | 35.7179% | 6,638 |
| Net loans and leases to deposits | 38.6427% | 6,799 |
| Net loans and leases to core deposits | 40.2783% | 6,809 |
| Total domestic deposits to total assets | 92.4312% | 197 |
| Equity capital to assets | 6.5098% | 7,009 |
| Core capital (leverage) ratio | 5.9090% | 7,047 |
| Tier 1 risk-based capital ratio | 9.5053% | 6,965 |
| Total risk-based capital ratio | 10.7965% | 6,951 |
| Memoranda: | ||
| Average total assets | $108,788,500 | 4,735 |
| Average earning assets | $81,882,000 | 5,193 |
| Average equity | $7,695,500 | 5,685 |
| Average total loans | $44,588,500 | 5,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 6,884 |
| Cost of funding earning assets | 0.8528% | 4,452 |
| Net interest margin | 2.8153% | 6,807 |
| Noninterest income to average assets | 3.2995% | 190 |
| Noninterest expense to average assets | 5.0710% | 368 |
| Loan and lease loss provision to assets | 0.4698% | 2,248 |
| Net operating income to assets | -1.0762% | 6,774 |
| Return on assets (ROA) | -1.0429% | 6,778 |
| Pretax return on assets | 0.0863% | 5,988 |
| Return on Equity (ROE) | -14.6847% | 6,883 |
| Retained earnings to average equity (ytd only) | -14.6847% | 6,861 |
| Net charge-offs to loans | 5.1999% | 71 |
| Credit loss provision to net charge-offs | 18.6314% | 5,933 |
| Earnings coverage of net charge-offs (x) | 0.1999% | 5,683 |
| Efficiency ratio | 90.9606% | 1,115 |
| Assets per employee ($millions) | 3.7222% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3350% | 71 |
| Loan loss allowance to noncurrent loans | 42.9025% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 22.7713% | 34 |
| Noncurrent loans to loans | 14.7661% | 132 |
| Net loans and leases to total assets | 40.6946% | 6,493 |
| Net loans and leases to deposits | 44.5706% | 6,695 |
| Net loans and leases to core deposits | 46.3668% | 6,722 |
| Total domestic deposits to total assets | 91.3037% | 401 |
| Equity capital to assets | 7.6466% | 6,750 |
| Core capital (leverage) ratio | 6.9210% | 6,887 |
| Tier 1 risk-based capital ratio | 10.0605% | 6,844 |
| Total risk-based capital ratio | 11.3439% | 6,817 |
| Memoranda: | ||
| Average total assets | $117,077,800 | 4,478 |
| Average earning assets | $94,627,400 | 4,792 |
| Average equity | $8,314,800 | 5,473 |
| Average total loans | $56,770,000 | 4,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 6,984 |
| Cost of funding earning assets | 0.8743% | 4,602 |
| Net interest margin | 2.7694% | 6,923 |
| Noninterest income to average assets | 4.1989% | 148 |
| Noninterest expense to average assets | 5.0881% | 347 |
| Loan and lease loss provision to assets | 0.6144% | 1,602 |
| Net operating income to assets | -0.6782% | 6,746 |
| Return on assets (ROA) | -0.6367% | 6,755 |
| Pretax return on assets | 0.8400% | 3,981 |
| Return on Equity (ROE) | -9.1234% | 6,866 |
| Retained earnings to average equity (ytd only) | -9.1234% | 6,822 |
| Net charge-offs to loans | 6.0860% | 57 |
| Credit loss provision to net charge-offs | 20.3402% | 5,551 |
| Earnings coverage of net charge-offs (x) | 0.4601% | 5,282 |
| Efficiency ratio | 78.5480% | 2,469 |
| Assets per employee ($millions) | 3.8273% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1204% | 83 |
| Loan loss allowance to noncurrent loans | 27.8532% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 22.3007% | 34 |
| Noncurrent loans to loans | 21.9736% | 45 |
| Net loans and leases to total assets | 44.4861% | 6,282 |
| Net loans and leases to deposits | 49.1793% | 6,546 |
| Net loans and leases to core deposits | 51.1118% | 6,613 |
| Total domestic deposits to total assets | 90.4570% | 654 |
| Equity capital to assets | 8.1664% | 6,587 |
| Core capital (leverage) ratio | 7.3422% | 6,835 |
| Tier 1 risk-based capital ratio | 10.7894% | 6,670 |
| Total risk-based capital ratio | 12.0765% | 6,626 |
| Memoranda: | ||
| Average total assets | $119,361,500 | 4,446 |
| Average earning assets | $98,214,500 | 4,714 |
| Average equity | $8,330,000 | 5,503 |
| Average total loans | $59,238,000 | 4,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 7,133 |
| Cost of funding earning assets | 0.9037% | 4,632 |
| Net interest margin | 2.6481% | 7,082 |
| Noninterest income to average assets | 5.9795% | 116 |
| Noninterest expense to average assets | 4.6401% | 514 |
| Loan and lease loss provision to assets | 0.9005% | 994 |
| Net operating income to assets | 0.4910% | 4,541 |
| Return on assets (ROA) | 0.5518% | 4,434 |
| Pretax return on assets | 2.7409% | 181 |
| Return on Equity (ROE) | 8.3361% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.3361% | 1,326 |
| Net charge-offs to loans | 9.3861% | 24 |
| Credit loss provision to net charge-offs | 19.0707% | 5,144 |
| Earnings coverage of net charge-offs (x) | 0.7510% | 4,739 |
| Efficiency ratio | 56.6800% | 6,334 |
| Assets per employee ($millions) | 3.7616% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3440% | 155 |
| Loan loss allowance to noncurrent loans | 23.0507% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 21.6638% | 44 |
| Noncurrent loans to loans | 23.1839% | 39 |
| Net loans and leases to total assets | 47.7000% | 6,083 |
| Net loans and leases to deposits | 53.0806% | 6,385 |
| Net loans and leases to core deposits | 55.7445% | 6,431 |
| Total domestic deposits to total assets | 89.8633% | 1,036 |
| Equity capital to assets | 8.8633% | 5,751 |
| Core capital (leverage) ratio | 7.5855% | 6,686 |
| Tier 1 risk-based capital ratio | 11.4361% | 6,219 |
| Total risk-based capital ratio | 12.7175% | 6,182 |
| Memoranda: | ||
| Average total assets | $122,151,330 | 4,385 |
| Average earning assets | $101,807,330 | 4,655 |
| Average equity | $8,085,330 | 5,586 |
| Average total loans | $61,452,330 | 4,893 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 7,234 |
| Cost of funding earning assets | 0.9229% | 4,761 |
| Net interest margin | 2.5277% | 7,174 |
| Noninterest income to average assets | 0.4795% | 4,053 |
| Noninterest expense to average assets | 3.9904% | 1,049 |
| Loan and lease loss provision to assets | 1.7350% | 337 |
| Net operating income to assets | -3.0946% | 7,400 |
| Return on assets (ROA) | -3.0946% | 7,403 |
| Pretax return on assets | -3.0946% | 7,381 |
| Return on Equity (ROE) | -55.0582% | 7,428 |
| Retained earnings to average equity (ytd only) | -55.0582% | 7,416 |
| Net charge-offs to loans | 16.7103% | 7 |
| Credit loss provision to net charge-offs | 20.6534% | 4,246 |
| Earnings coverage of net charge-offs (x) | -0.1618% | 4,674 |
| Efficiency ratio | 151.6787% | 152 |
| Assets per employee ($millions) | 3.9018% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4530% | 143 |
| Loan loss allowance to noncurrent loans | 21.3869% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 19.5810% | 70 |
| Noncurrent loans to loans | 25.4968% | 31 |
| Net loans and leases to total assets | 45.2714% | 6,353 |
| Net loans and leases to deposits | 48.0430% | 6,754 |
| Net loans and leases to core deposits | 50.1059% | 6,766 |
| Total domestic deposits to total assets | 94.2310% | 70 |
| Equity capital to assets | 5.2973% | 7,354 |
| Core capital (leverage) ratio | 4.4908% | 7,397 |
| Tier 1 risk-based capital ratio | 7.0752% | 7,358 |
| Total risk-based capital ratio | 8.3583% | 7,362 |
| Memoranda: | ||
| Average total assets | $126,803,500 | 4,326 |
| Average earning assets | $107,923,000 | 4,530 |
| Average equity | $7,127,000 | 5,889 |
| Average total loans | $63,745,000 | 4,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 7,320 |
| Cost of funding earning assets | 1.1477% | 4,865 |
| Net interest margin | 2.5251% | 7,255 |
| Noninterest income to average assets | 0.4690% | 4,385 |
| Noninterest expense to average assets | 3.1612% | 3,231 |
| Loan and lease loss provision to assets | 5.4811% | 57 |
| Net operating income to assets | -5.9379% | 7,582 |
| Return on assets (ROA) | -5.9379% | 7,586 |
| Pretax return on assets | -5.9616% | 7,583 |
| Return on Equity (ROE) | -75.5255% | 7,535 |
| Retained earnings to average equity (ytd only) | -75.5255% | 7,534 |
| Net charge-offs to loans | 7.2962% | 47 |
| Credit loss provision to net charge-offs | 139.4862% | 2,723 |
| Earnings coverage of net charge-offs (x) | -0.1223% | 6,242 |
| Efficiency ratio | 117.9220% | 431 |
| Assets per employee ($millions) | 4.2917% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9358% | 46 |
| Loan loss allowance to noncurrent loans | 31.0381% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 18.8465% | 80 |
| Noncurrent loans to loans | 25.5679% | 37 |
| Net loans and leases to total assets | 48.4136% | 6,350 |
| Net loans and leases to deposits | 51.7213% | 6,762 |
| Net loans and leases to core deposits | 53.8826% | 6,817 |
| Total domestic deposits to total assets | 93.6047% | 105 |
| Equity capital to assets | 5.9339% | 7,348 |
| Core capital (leverage) ratio | 5.0909% | 7,412 |
| Tier 1 risk-based capital ratio | 7.9541% | 7,353 |
| Total risk-based capital ratio | 9.2667% | 7,355 |
| Memoranda: | ||
| Average total assets | $139,661,000 | 4,060 |
| Average earning assets | $122,333,600 | 4,181 |
| Average equity | $10,980,400 | 4,869 |
| Average total loans | $75,217,200 | 4,477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 7,415 |
| Cost of funding earning assets | 1.1860% | 4,937 |
| Net interest margin | 2.5959% | 7,317 |
| Noninterest income to average assets | 0.4673% | 4,436 |
| Noninterest expense to average assets | 3.0713% | 3,471 |
| Loan and lease loss provision to assets | 6.2316% | 42 |
| Net operating income to assets | -6.5228% | 7,708 |
| Return on assets (ROA) | -6.5228% | 7,708 |
| Pretax return on assets | -6.5547% | 7,701 |
| Return on Equity (ROE) | -78.6067% | 7,656 |
| Retained earnings to average equity (ytd only) | -78.6067% | 7,655 |
| Net charge-offs to loans | 8.9705% | 31 |
| Credit loss provision to net charge-offs | 128.3015% | 3,167 |
| Earnings coverage of net charge-offs (x) | -0.0665% | 6,081 |
| Efficiency ratio | 111.7547% | 495 |
| Assets per employee ($millions) | 3.9145% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5382% | 84 |
| Loan loss allowance to noncurrent loans | 36.2945% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 13.5672% | 207 |
| Noncurrent loans to loans | 18.0142% | 106 |
| Net loans and leases to total assets | 50.2010% | 6,305 |
| Net loans and leases to deposits | 54.0995% | 6,764 |
| Net loans and leases to core deposits | 56.2933% | 6,840 |
| Total domestic deposits to total assets | 92.7938% | 116 |
| Equity capital to assets | 6.8554% | 7,374 |
| Core capital (leverage) ratio | 5.9947% | 7,435 |
| Tier 1 risk-based capital ratio | 9.3090% | 7,299 |
| Total risk-based capital ratio | 10.6102% | 7,296 |
| Memoranda: | ||
| Average total assets | $142,388,500 | 4,070 |
| Average earning assets | $125,118,000 | 4,182 |
| Average equity | $11,815,500 | 4,735 |
| Average total loans | $77,095,000 | 4,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 7,503 |
| Cost of funding earning assets | 1.2304% | 4,957 |
| Net interest margin | 2.5341% | 7,397 |
| Noninterest income to average assets | 0.4770% | 4,304 |
| Noninterest expense to average assets | 2.8924% | 4,106 |
| Loan and lease loss provision to assets | 8.9355% | 12 |
| Net operating income to assets | -9.0675% | 7,801 |
| Return on assets (ROA) | -9.0675% | 7,800 |
| Pretax return on assets | -9.1142% | 7,802 |
| Return on Equity (ROE) | -103.7705% | 7,741 |
| Retained earnings to average equity (ytd only) | -103.7705% | 7,740 |
| Net charge-offs to loans | 12.5323% | 19 |
| Credit loss provision to net charge-offs | 131.3662% | 3,065 |
| Earnings coverage of net charge-offs (x) | -0.0263% | 5,744 |
| Efficiency ratio | 106.5856% | 618 |
| Assets per employee ($millions) | 3.8281% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4464% | 79 |
| Loan loss allowance to noncurrent loans | 31.5915% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 15.2504% | 138 |
| Noncurrent loans to loans | 20.4054% | 78 |
| Net loans and leases to total assets | 50.1049% | 6,421 |
| Net loans and leases to deposits | 54.0855% | 6,858 |
| Net loans and leases to core deposits | 56.8377% | 6,896 |
| Total domestic deposits to total assets | 92.6400% | 137 |
| Equity capital to assets | 6.9326% | 7,372 |
| Core capital (leverage) ratio | 5.8882% | 7,499 |
| Tier 1 risk-based capital ratio | 9.3479% | 7,318 |
| Total risk-based capital ratio | 10.6473% | 7,306 |
| Memoranda: | ||
| Average total assets | $145,487,000 | 4,038 |
| Average earning assets | $128,409,000 | 4,125 |
| Average equity | $12,712,670 | 4,497 |
| Average total loans | $78,964,000 | 4,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 7,560 |
| Cost of funding earning assets | 1.3028% | 4,796 |
| Net interest margin | 2.5393% | 7,440 |
| Noninterest income to average assets | 0.4473% | 4,498 |
| Noninterest expense to average assets | 2.8154% | 4,434 |
| Loan and lease loss provision to assets | 7.5005% | 68 |
| Net operating income to assets | -7.5058% | 7,854 |
| Return on assets (ROA) | -7.5058% | 7,855 |
| Pretax return on assets | -7.6130% | 7,850 |
| Return on Equity (ROE) | -78.4215% | 7,795 |
| Retained earnings to average equity (ytd only) | -78.4215% | 7,790 |
| Net charge-offs to loans | 4.8760% | 251 |
| Credit loss provision to net charge-offs | 281.6901% | 1,404 |
| Earnings coverage of net charge-offs (x) | -0.0423% | 5,060 |
| Efficiency ratio | 104.1625% | 724 |
| Assets per employee ($millions) | 3.9626% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3304% | 85 |
| Loan loss allowance to noncurrent loans | 32.7989% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 13.8717% | 171 |
| Noncurrent loans to loans | 19.3005% | 90 |
| Net loans and leases to total assets | 50.5828% | 6,415 |
| Net loans and leases to deposits | 55.8609% | 6,784 |
| Net loans and leases to core deposits | 58.6999% | 6,836 |
| Total domestic deposits to total assets | 90.5514% | 713 |
| Equity capital to assets | 8.7876% | 5,572 |
| Core capital (leverage) ratio | 8.0878% | 6,104 |
| Tier 1 risk-based capital ratio | 12.8372% | 4,448 |
| Total risk-based capital ratio | 14.1363% | 4,390 |
| Memoranda: | ||
| Average total assets | $149,324,000 | 4,019 |
| Average earning assets | $132,632,500 | 4,105 |
| Average equity | $14,292,000 | 4,165 |
| Average total loans | $81,541,500 | 4,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 7,229 |
| Cost of funding earning assets | 1.6550% | 4,765 |
| Net interest margin | 2.9790% | 6,702 |
| Noninterest income to average assets | 0.1122% | 7,193 |
| Noninterest expense to average assets | 2.7350% | 5,222 |
| Loan and lease loss provision to assets | 2.0622% | 1,034 |
| Net operating income to assets | -2.0733% | 7,122 |
| Return on assets (ROA) | -2.0654% | 7,116 |
| Pretax return on assets | -2.0341% | 6,955 |
| Return on Equity (ROE) | -17.7478% | 7,066 |
| Retained earnings to average equity (ytd only) | -17.7478% | 7,017 |
| Net charge-offs to loans | 1.8383% | 1,355 |
| Credit loss provision to net charge-offs | 197.1304% | 2,002 |
| Earnings coverage of net charge-offs (x) | 0.0193% | 6,171 |
| Efficiency ratio | 99.2658% | 1,141 |
| Assets per employee ($millions) | 4.0009% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8208% | 400 |
| Loan loss allowance to noncurrent loans | 36.4029% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 8.5185% | 494 |
| Noncurrent loans to loans | 10.4959% | 377 |
| Net loans and leases to total assets | 53.0826% | 6,303 |
| Net loans and leases to deposits | 59.6554% | 6,658 |
| Net loans and leases to core deposits | 75.8580% | 6,410 |
| Total domestic deposits to total assets | 88.9820% | 1,491 |
| Equity capital to assets | 10.3267% | 3,370 |
| Core capital (leverage) ratio | 9.6456% | 3,526 |
| Tier 1 risk-based capital ratio | 14.9204% | 2,985 |
| Total risk-based capital ratio | 16.1942% | 2,920 |
| Memoranda: | ||
| Average total assets | $153,236,000 | 3,908 |
| Average earning assets | $135,950,200 | 3,977 |
| Average equity | $17,833,200 | 3,528 |
| Average total loans | $87,201,600 | 4,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 7,217 |
| Cost of funding earning assets | 1.7098% | 4,849 |
| Net interest margin | 3.0331% | 6,508 |
| Noninterest income to average assets | 0.4794% | 4,672 |
| Noninterest expense to average assets | 2.8240% | 4,791 |
| Loan and lease loss provision to assets | 0.9821% | 1,951 |
| Net operating income to assets | -0.6869% | 6,590 |
| Return on assets (ROA) | -0.6782% | 6,596 |
| Pretax return on assets | -0.6331% | 6,432 |
| Return on Equity (ROE) | -5.6696% | 6,522 |
| Retained earnings to average equity (ytd only) | -5.6696% | 6,347 |
| Net charge-offs to loans | 0.2832% | 4,264 |
| Credit loss provision to net charge-offs | 604.8128% | 632 |
| Earnings coverage of net charge-offs (x) | 2.0962% | 4,251 |
| Efficiency ratio | 89.2426% | 1,760 |
| Assets per employee ($millions) | 4.0802% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9754% | 678 |
| Loan loss allowance to noncurrent loans | 27.4015% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 9.0075% | 429 |
| Noncurrent loans to loans | 10.8587% | 339 |
| Net loans and leases to total assets | 54.5337% | 6,321 |
| Net loans and leases to deposits | 62.3394% | 6,638 |
| Net loans and leases to core deposits | 79.0564% | 6,419 |
| Total domestic deposits to total assets | 87.4788% | 1,901 |
| Equity capital to assets | 11.7105% | 2,424 |
| Core capital (leverage) ratio | 11.2647% | 2,207 |
| Tier 1 risk-based capital ratio | 16.4512% | 2,453 |
| Total risk-based capital ratio | 17.7159% | 2,389 |
| Memoranda: | ||
| Average total assets | $153,536,750 | 3,925 |
| Average earning assets | $135,920,500 | 4,007 |
| Average equity | $18,366,500 | 3,472 |
| Average total loans | $88,024,750 | 4,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 7,164 |
| Cost of funding earning assets | 1.7941% | 4,791 |
| Net interest margin | 3.0386% | 6,436 |
| Noninterest income to average assets | 0.5175% | 4,291 |
| Noninterest expense to average assets | 2.8164% | 4,888 |
| Loan and lease loss provision to assets | 1.4781% | 1,162 |
| Net operating income to assets | -1.1409% | 7,080 |
| Return on assets (ROA) | -1.1409% | 7,085 |
| Pretax return on assets | -1.0965% | 6,879 |
| Return on Equity (ROE) | -9.4704% | 6,990 |
| Retained earnings to average equity (ytd only) | -9.4704% | 6,812 |
| Net charge-offs to loans | 0.0543% | 5,732 |
| Credit loss provision to net charge-offs | 4,712.5000% | 106 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,839 |
| Efficiency ratio | 88.0670% | 2,011 |
| Assets per employee ($millions) | 3.8383% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0599% | 538 |
| Loan loss allowance to noncurrent loans | 40.6370% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 6.3264% | 740 |
| Noncurrent loans to loans | 7.5298% | 617 |
| Net loans and leases to total assets | 56.8699% | 6,104 |
| Net loans and leases to deposits | 64.9510% | 6,478 |
| Net loans and leases to core deposits | 82.1143% | 6,230 |
| Total domestic deposits to total assets | 87.5582% | 1,990 |
| Equity capital to assets | 11.6439% | 2,432 |
| Core capital (leverage) ratio | 11.3833% | 2,141 |
| Tier 1 risk-based capital ratio | 16.1663% | 2,562 |
| Total risk-based capital ratio | 17.4325% | 2,503 |
| Memoranda: | ||
| Average total assets | $153,032,670 | 3,948 |
| Average earning assets | $134,997,000 | 4,049 |
| Average equity | $18,436,330 | 3,482 |
| Average total loans | $88,317,330 | 4,325 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 6,980 |
| Cost of funding earning assets | 1.9600% | 4,329 |
| Net interest margin | 3.0209% | 6,421 |
| Noninterest income to average assets | 0.5603% | 3,833 |
| Noninterest expense to average assets | 2.7123% | 4,942 |
| Loan and lease loss provision to assets | 0.1964% | 4,475 |
| Net operating income to assets | 0.2461% | 5,500 |
| Return on assets (ROA) | 0.2461% | 5,665 |
| Pretax return on assets | 0.2906% | 5,700 |
| Return on Equity (ROE) | 2.0090% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,744 |
| Net charge-offs to loans | -0.0137% | 7,351 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7791% | 2,214 |
| Assets per employee ($millions) | 3.9333% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 1,465 |
| Loan loss allowance to noncurrent loans | 47.5365% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 6.4212% | 585 |
| Noncurrent loans to loans | 4.1616% | 1,432 |
| Net loans and leases to total assets | 55.7839% | 6,271 |
| Net loans and leases to deposits | 64.1181% | 6,554 |
| Net loans and leases to core deposits | 81.4173% | 6,275 |
| Total domestic deposits to total assets | 87.0019% | 2,217 |
| Equity capital to assets | 12.2595% | 2,104 |
| Core capital (leverage) ratio | 11.8994% | 1,941 |
| Tier 1 risk-based capital ratio | 16.8173% | 2,394 |
| Total risk-based capital ratio | 18.0714% | 2,328 |
| Memoranda: | ||
| Average total assets | $152,783,500 | 3,964 |
| Average earning assets | $133,471,000 | 4,080 |
| Average equity | $18,716,000 | 3,451 |
| Average total loans | $87,441,500 | 4,376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2465% | 4,261 |
| Cost of funding earning assets | 2.4957% | 4,229 |
| Net interest margin | 3.7508% | 4,221 |
| Noninterest income to average assets | 0.4558% | 4,999 |
| Noninterest expense to average assets | 2.7842% | 4,890 |
| Loan and lease loss provision to assets | 0.5025% | 2,802 |
| Net operating income to assets | 0.4786% | 4,836 |
| Return on assets (ROA) | 0.5265% | 4,482 |
| Pretax return on assets | 0.5265% | 4,913 |
| Return on Equity (ROE) | 4.5267% | 4,587 |
| Retained earnings to average equity (ytd only) | 2.8984% | 3,371 |
| Net charge-offs to loans | 0.6619% | 1,871 |
| Credit loss provision to net charge-offs | 133.1104% | 3,999 |
| Earnings coverage of net charge-offs (x) | 2.5987% | 4,790 |
| Efficiency ratio | 73.9437% | 3,585 |
| Assets per employee ($millions) | 3.6230% | 4,361 |
| Cash dividends to net income (ytd only)* | 35.9712% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 1,457 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 5.9861% | 499 |
| Noncurrent loans to loans | 2.9903% | 1,794 |
| Net loans and leases to total assets | 56.4738% | 6,379 |
| Net loans and leases to deposits | 65.0407% | 6,712 |
| Net loans and leases to core deposits | 84.8238% | 6,222 |
| Total domestic deposits to total assets | 86.8284% | 2,018 |
| Equity capital to assets | 12.2404% | 2,142 |
| Core capital (leverage) ratio | 11.7548% | 2,098 |
| Tier 1 risk-based capital ratio | 16.5284% | 2,476 |
| Total risk-based capital ratio | 17.7818% | 2,406 |
| Memoranda: | ||
| Average total assets | $158,394,600 | 3,749 |
| Average earning assets | $139,758,400 | 3,854 |
| Average equity | $18,424,000 | 3,491 |
| Average total loans | $90,348,200 | 4,215 |