Home > First National Bank of the Rockies > Performance and Condition Ratios
First National Bank of the Rockies, Performance and Condition Ratios
| 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 | 3.3313% | 5,750 |
| Cost of funding earning assets | 0.2531% | 5,453 |
| Net interest margin | 3.0781% | 5,321 |
| Noninterest income to average assets | 0.7641% | 1,992 |
| Noninterest expense to average assets | 3.0277% | 2,732 |
| Loan and lease loss provision to assets | -0.1458% | 6,423 |
| Net operating income to assets | 0.5418% | 4,641 |
| Return on assets (ROA) | 0.6136% | 4,385 |
| Pretax return on assets | 0.6136% | 4,913 |
| Return on Equity (ROE) | 6.2904% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.2904% | 2,162 |
| Net charge-offs to loans | -0.0635% | 5,979 |
| Credit loss provision to net charge-offs | 595.2381% | 512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4327% | 1,046 |
| Assets per employee ($millions) | 3.9255% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,174 |
| Loan loss allowance to noncurrent loans | 90.5920% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.9833% | 1,620 |
| Noncurrent loans to loans | 1.3780% | 2,508 |
| Net loans and leases to total assets | 39.2509% | 5,878 |
| Net loans and leases to deposits | 44.3523% | 5,963 |
| Net loans and leases to core deposits | 48.9223% | 5,853 |
| Total domestic deposits to total assets | 88.4979% | 1,640 |
| Equity capital to assets | 10.1140% | 3,950 |
| Core capital (leverage) ratio | 9.8112% | 3,871 |
| Tier 1 risk-based capital ratio | 16.5239% | 2,815 |
| Total risk-based capital ratio | 17.3627% | 2,977 |
| Memoranda: | ||
| Average total assets | $342,902,670 | 1,905 |
| Average earning assets | $296,284,000 | 2,028 |
| Average equity | $33,447,670 | 2,074 |
| Average total loans | $132,202,000 | 2,829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 5,854 |
| Cost of funding earning assets | 0.2606% | 5,478 |
| Net interest margin | 3.0344% | 5,431 |
| Noninterest income to average assets | 0.9894% | 1,153 |
| Noninterest expense to average assets | 3.0255% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5948% | 4,224 |
| Return on assets (ROA) | 0.7306% | 3,616 |
| Pretax return on assets | 0.7306% | 4,384 |
| Return on Equity (ROE) | 7.6324% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.6324% | 1,757 |
| Net charge-offs to loans | -0.3054% | 6,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5705% | 1,721 |
| Assets per employee ($millions) | 3.8137% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 2,995 |
| Loan loss allowance to noncurrent loans | 87.9078% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 1,395 |
| Noncurrent loans to loans | 1.7469% | 2,214 |
| Net loans and leases to total assets | 37.7541% | 5,960 |
| Net loans and leases to deposits | 42.4979% | 6,053 |
| Net loans and leases to core deposits | 46.7699% | 5,950 |
| Total domestic deposits to total assets | 88.8375% | 1,760 |
| Equity capital to assets | 9.8019% | 4,109 |
| Core capital (leverage) ratio | 9.7891% | 3,879 |
| Tier 1 risk-based capital ratio | 16.7261% | 2,800 |
| Total risk-based capital ratio | 17.7401% | 2,873 |
| Memoranda: | ||
| Average total assets | $341,633,000 | 1,920 |
| Average earning assets | $296,201,000 | 2,039 |
| Average equity | $32,702,500 | 2,105 |
| Average total loans | $129,651,500 | 2,885 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 5,618 |
| Cost of funding earning assets | 0.2878% | 5,688 |
| Net interest margin | 3.2250% | 4,912 |
| Noninterest income to average assets | 0.9136% | 1,637 |
| Noninterest expense to average assets | 3.9068% | 982 |
| Loan and lease loss provision to assets | -0.4799% | 6,738 |
| Net operating income to assets | 0.9148% | 2,706 |
| Return on assets (ROA) | 1.0674% | 2,129 |
| Pretax return on assets | 0.4373% | 5,392 |
| Return on Equity (ROE) | 10.8423% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.8423% | 442 |
| Net charge-offs to loans | -0.0721% | 6,414 |
| Credit loss provision to net charge-offs | 1,770.7865% | 138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2593% | 350 |
| Assets per employee ($millions) | 3.8206% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,154 |
| Loan loss allowance to noncurrent loans | 58.8668% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.4539% | 1,412 |
| Noncurrent loans to loans | 2.5568% | 1,468 |
| Net loans and leases to total assets | 36.9892% | 6,159 |
| Net loans and leases to deposits | 43.3006% | 6,156 |
| Net loans and leases to core deposits | 47.8447% | 6,042 |
| Total domestic deposits to total assets | 85.4242% | 3,544 |
| Equity capital to assets | 9.3407% | 4,634 |
| Core capital (leverage) ratio | 9.8631% | 3,752 |
| Tier 1 risk-based capital ratio | 16.4786% | 2,866 |
| Total risk-based capital ratio | 17.4467% | 2,962 |
| Memoranda: | ||
| Average total assets | $328,374,200 | 1,964 |
| Average earning assets | $284,901,200 | 2,077 |
| Average equity | $32,327,200 | 2,112 |
| Average total loans | $123,443,000 | 2,975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 5,675 |
| Cost of funding earning assets | 0.2998% | 5,742 |
| Net interest margin | 3.2071% | 4,975 |
| Noninterest income to average assets | 0.9496% | 1,605 |
| Noninterest expense to average assets | 4.0598% | 798 |
| Loan and lease loss provision to assets | -0.6456% | 6,850 |
| Net operating income to assets | 0.3183% | 5,552 |
| Return on assets (ROA) | 0.5166% | 4,884 |
| Pretax return on assets | 0.5166% | 5,306 |
| Return on Equity (ROE) | 5.1782% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.1782% | 2,949 |
| Net charge-offs to loans | -0.0730% | 6,418 |
| Credit loss provision to net charge-offs | 2,352.2388% | 140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7696% | 287 |
| Assets per employee ($millions) | 3.6309% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,510 |
| Loan loss allowance to noncurrent loans | 41.4938% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 3.1326% | 1,160 |
| Noncurrent loans to loans | 3.5852% | 1,055 |
| Net loans and leases to total assets | 38.9348% | 6,111 |
| Net loans and leases to deposits | 43.8131% | 6,211 |
| Net loans and leases to core deposits | 47.5528% | 6,145 |
| Total domestic deposits to total assets | 88.8656% | 1,634 |
| Equity capital to assets | 9.3949% | 4,680 |
| Core capital (leverage) ratio | 10.0826% | 3,555 |
| Tier 1 risk-based capital ratio | 16.9815% | 2,712 |
| Total risk-based capital ratio | 17.9772% | 2,791 |
| Memoranda: | ||
| Average total assets | $325,458,500 | 1,991 |
| Average earning assets | $282,411,500 | 2,108 |
| Average equity | $32,468,500 | 2,125 |
| Average total loans | $122,379,000 | 3,012 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 5,497 |
| Cost of funding earning assets | 0.2998% | 5,830 |
| Net interest margin | 3.2800% | 4,655 |
| Noninterest income to average assets | 0.9509% | 1,651 |
| Noninterest expense to average assets | 3.6085% | 1,405 |
| Loan and lease loss provision to assets | -0.6131% | 6,884 |
| Net operating income to assets | 0.8062% | 3,256 |
| Return on assets (ROA) | 1.0931% | 2,065 |
| Pretax return on assets | 1.0931% | 3,118 |
| Return on Equity (ROE) | 10.7502% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.7502% | 691 |
| Net charge-offs to loans | 0.0232% | 4,374 |
| Credit loss provision to net charge-offs | -7,142.8571% | 6,253 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,365 |
| Efficiency ratio | 94.9202% | 712 |
| Assets per employee ($millions) | 3.6516% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,972 |
| Loan loss allowance to noncurrent loans | 51.3068% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.6215% | 1,038 |
| Noncurrent loans to loans | 3.7972% | 1,071 |
| Net loans and leases to total assets | 37.9423% | 6,182 |
| Net loans and leases to deposits | 42.9713% | 6,285 |
| Net loans and leases to core deposits | 46.6240% | 6,205 |
| Total domestic deposits to total assets | 88.2967% | 2,048 |
| Equity capital to assets | 9.9774% | 3,944 |
| Core capital (leverage) ratio | 10.1016% | 3,366 |
| Tier 1 risk-based capital ratio | 17.8274% | 2,383 |
| Total risk-based capital ratio | 19.0797% | 2,346 |
| Memoranda: | ||
| Average total assets | $326,227,000 | 1,991 |
| Average earning assets | $283,538,330 | 2,103 |
| Average equity | $33,171,330 | 2,100 |
| Average total loans | $120,599,000 | 3,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 5,493 |
| Cost of funding earning assets | 0.3098% | 5,894 |
| Net interest margin | 3.2732% | 4,619 |
| Noninterest income to average assets | 0.9029% | 1,751 |
| Noninterest expense to average assets | 3.5147% | 1,596 |
| Loan and lease loss provision to assets | -1.2103% | 6,999 |
| Net operating income to assets | 1.4499% | 956 |
| Return on assets (ROA) | 1.5347% | 868 |
| Pretax return on assets | 1.5347% | 1,471 |
| Return on Equity (ROE) | 14.9579% | 779 |
| Retained earnings to average equity (ytd only) | 14.9579% | 358 |
| Net charge-offs to loans | -0.3249% | 6,792 |
| Credit loss provision to net charge-offs | 1,030.9278% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6170% | 860 |
| Assets per employee ($millions) | 3.6272% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 1,898 |
| Loan loss allowance to noncurrent loans | 48.1553% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.8473% | 1,064 |
| Noncurrent loans to loans | 4.2745% | 1,007 |
| Net loans and leases to total assets | 36.1248% | 6,285 |
| Net loans and leases to deposits | 42.0540% | 6,316 |
| Net loans and leases to core deposits | 45.5432% | 6,236 |
| Total domestic deposits to total assets | 85.9011% | 3,580 |
| Equity capital to assets | 10.3628% | 3,718 |
| Core capital (leverage) ratio | 9.7819% | 3,683 |
| Tier 1 risk-based capital ratio | 16.8731% | 2,819 |
| Total risk-based capital ratio | 18.1167% | 2,791 |
| Memoranda: | ||
| Average total assets | $330,496,500 | 1,987 |
| Average earning assets | $287,913,000 | 2,101 |
| Average equity | $33,908,500 | 2,081 |
| Average total loans | $119,432,000 | 3,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 5,924 |
| Cost of funding earning assets | 0.3548% | 6,183 |
| Net interest margin | 3.4064% | 4,861 |
| Noninterest income to average assets | 0.9744% | 1,617 |
| Noninterest expense to average assets | 3.9284% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0015% | 6,167 |
| Return on assets (ROA) | 0.0994% | 6,158 |
| Pretax return on assets | 0.0994% | 6,163 |
| Return on Equity (ROE) | 1.0639% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.0639% | 5,341 |
| Net charge-offs to loans | 1.2220% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0034% | 5,481 |
| Efficiency ratio | 99.9621% | 561 |
| Assets per employee ($millions) | 3.4833% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9107% | 729 |
| Loan loss allowance to noncurrent loans | 69.5289% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.8333% | 1,144 |
| Noncurrent loans to loans | 4.1863% | 1,087 |
| Net loans and leases to total assets | 34.3620% | 6,529 |
| Net loans and leases to deposits | 38.8421% | 6,603 |
| Net loans and leases to core deposits | 41.9969% | 6,550 |
| Total domestic deposits to total assets | 88.4657% | 1,915 |
| Equity capital to assets | 10.1572% | 3,953 |
| Core capital (leverage) ratio | 9.3561% | 4,326 |
| Tier 1 risk-based capital ratio | 16.8593% | 2,721 |
| Total risk-based capital ratio | 18.1167% | 2,681 |
| Memoranda: | ||
| Average total assets | $335,912,000 | 1,924 |
| Average earning assets | $291,451,200 | 2,034 |
| Average equity | $31,394,200 | 2,176 |
| Average total loans | $118,983,800 | 3,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 5,976 |
| Cost of funding earning assets | 0.3660% | 6,295 |
| Net interest margin | 3.4531% | 4,834 |
| Noninterest income to average assets | 1.0017% | 1,495 |
| Noninterest expense to average assets | 3.9296% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0680% | 6,178 |
| Return on assets (ROA) | 0.2879% | 5,857 |
| Pretax return on assets | 0.2879% | 5,982 |
| Return on Equity (ROE) | 3.1474% | 5,629 |
| Retained earnings to average equity (ytd only) | 3.1474% | 4,662 |
| Net charge-offs to loans | 1.5537% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1236% | 5,274 |
| Efficiency ratio | 98.2985% | 594 |
| Assets per employee ($millions) | 3.4349% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8493% | 847 |
| Loan loss allowance to noncurrent loans | 45.5572% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 4.1043% | 1,170 |
| Noncurrent loans to loans | 6.2544% | 630 |
| Net loans and leases to total assets | 35.1573% | 6,603 |
| Net loans and leases to deposits | 39.6281% | 6,686 |
| Net loans and leases to core deposits | 42.7910% | 6,640 |
| Total domestic deposits to total assets | 88.7183% | 1,586 |
| Equity capital to assets | 10.0219% | 4,461 |
| Core capital (leverage) ratio | 9.5868% | 4,134 |
| Tier 1 risk-based capital ratio | 16.4954% | 3,004 |
| Total risk-based capital ratio | 17.7521% | 2,966 |
| Memoranda: | ||
| Average total assets | $337,160,500 | 1,936 |
| Average earning assets | $292,518,750 | 2,044 |
| Average equity | $30,839,750 | 2,226 |
| Average total loans | $119,450,000 | 3,124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 5,976 |
| Cost of funding earning assets | 0.3810% | 6,372 |
| Net interest margin | 3.4929% | 4,699 |
| Noninterest income to average assets | 0.9018% | 1,784 |
| Noninterest expense to average assets | 3.8804% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0433% | 6,266 |
| Return on assets (ROA) | 0.3207% | 5,746 |
| Pretax return on assets | 0.3207% | 5,922 |
| Return on Equity (ROE) | 3.6218% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.6218% | 4,186 |
| Net charge-offs to loans | 1.4967% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.0822% | 5,040 |
| Efficiency ratio | 98.8969% | 597 |
| Assets per employee ($millions) | 3.3645% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4244% | 528 |
| Loan loss allowance to noncurrent loans | 42.6015% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 4.9221% | 975 |
| Noncurrent loans to loans | 8.0382% | 429 |
| Net loans and leases to total assets | 34.0086% | 6,722 |
| Net loans and leases to deposits | 38.1575% | 6,798 |
| Net loans and leases to core deposits | 41.4245% | 6,755 |
| Total domestic deposits to total assets | 89.1267% | 1,436 |
| Equity capital to assets | 9.6107% | 4,901 |
| Core capital (leverage) ratio | 9.3109% | 4,437 |
| Tier 1 risk-based capital ratio | 16.8235% | 2,750 |
| Total risk-based capital ratio | 18.0856% | 2,704 |
| Memoranda: | ||
| Average total assets | $337,339,330 | 1,931 |
| Average earning assets | $291,847,670 | 2,039 |
| Average equity | $29,874,330 | 2,262 |
| Average total loans | $118,660,330 | 3,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 5,838 |
| Cost of funding earning assets | 0.4004% | 6,410 |
| Net interest margin | 3.5754% | 4,372 |
| Noninterest income to average assets | 0.9157% | 1,682 |
| Noninterest expense to average assets | 3.9478% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0668% | 6,301 |
| Return on assets (ROA) | 0.4022% | 5,432 |
| Pretax return on assets | 0.4022% | 5,719 |
| Return on Equity (ROE) | 4.7363% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.7363% | 3,721 |
| Net charge-offs to loans | 2.2645% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0839% | 4,327 |
| Efficiency ratio | 98.3353% | 618 |
| Assets per employee ($millions) | 3.3502% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5334% | 523 |
| Loan loss allowance to noncurrent loans | 43.1696% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 4.6807% | 1,127 |
| Noncurrent loans to loans | 8.1850% | 463 |
| Net loans and leases to total assets | 33.4271% | 6,766 |
| Net loans and leases to deposits | 37.1470% | 6,850 |
| Net loans and leases to core deposits | 40.6856% | 6,796 |
| Total domestic deposits to total assets | 89.9860% | 1,096 |
| Equity capital to assets | 8.8303% | 5,712 |
| Core capital (leverage) ratio | 9.2582% | 4,429 |
| Tier 1 risk-based capital ratio | 16.0417% | 3,154 |
| Total risk-based capital ratio | 17.3043% | 3,115 |
| Memoranda: | ||
| Average total assets | $341,150,500 | 1,922 |
| Average earning assets | $295,685,000 | 2,010 |
| Average equity | $28,967,500 | 2,323 |
| Average total loans | $119,936,500 | 3,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 5,087 |
| Cost of funding earning assets | 0.5815% | 6,179 |
| Net interest margin | 3.9151% | 3,269 |
| Noninterest income to average assets | 0.8532% | 1,832 |
| Noninterest expense to average assets | 4.0858% | 927 |
| Loan and lease loss provision to assets | 0.5448% | 1,921 |
| Net operating income to assets | -0.4159% | 6,429 |
| Return on assets (ROA) | -0.1828% | 6,313 |
| Pretax return on assets | -0.1716% | 6,262 |
| Return on Equity (ROE) | -2.3073% | 6,360 |
| Retained earnings to average equity (ytd only) | -2.3073% | 6,191 |
| Net charge-offs to loans | 3.2672% | 259 |
| Credit loss provision to net charge-offs | 42.4729% | 5,582 |
| Earnings coverage of net charge-offs (x) | 0.1092% | 5,753 |
| Efficiency ratio | 96.6839% | 787 |
| Assets per employee ($millions) | 3.3390% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0038% | 384 |
| Loan loss allowance to noncurrent loans | 44.4434% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 4.6075% | 1,186 |
| Noncurrent loans to loans | 9.0087% | 394 |
| Net loans and leases to total assets | 34.2353% | 6,857 |
| Net loans and leases to deposits | 37.7726% | 6,952 |
| Net loans and leases to core deposits | 42.1023% | 6,882 |
| Total domestic deposits to total assets | 90.6353% | 652 |
| Equity capital to assets | 8.1508% | 6,483 |
| Core capital (leverage) ratio | 9.1500% | 4,549 |
| Tier 1 risk-based capital ratio | 15.8739% | 3,111 |
| Total risk-based capital ratio | 17.1392% | 3,064 |
| Memoranda: | ||
| Average total assets | $330,390,600 | 1,954 |
| Average earning assets | $284,618,600 | 2,064 |
| Average equity | $26,178,000 | 2,465 |
| Average total loans | $129,712,200 | 2,984 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 4,945 |
| Cost of funding earning assets | 0.6087% | 6,250 |
| Net interest margin | 3.9712% | 3,046 |
| Noninterest income to average assets | 0.8113% | 1,998 |
| Noninterest expense to average assets | 4.0974% | 902 |
| Loan and lease loss provision to assets | 0.4177% | 2,376 |
| Net operating income to assets | -0.3091% | 6,507 |
| Return on assets (ROA) | -0.1834% | 6,444 |
| Pretax return on assets | -0.1684% | 6,385 |
| Return on Equity (ROE) | -2.3323% | 6,508 |
| Retained earnings to average equity (ytd only) | -2.3323% | 6,337 |
| Net charge-offs to loans | 3.4168% | 241 |
| Credit loss provision to net charge-offs | 30.4116% | 5,409 |
| Earnings coverage of net charge-offs (x) | 0.0900% | 5,534 |
| Efficiency ratio | 97.0710% | 769 |
| Assets per employee ($millions) | 3.3327% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0532% | 374 |
| Loan loss allowance to noncurrent loans | 36.6570% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 5.4816% | 1,021 |
| Noncurrent loans to loans | 11.0572% | 286 |
| Net loans and leases to total assets | 35.5282% | 6,888 |
| Net loans and leases to deposits | 39.3616% | 6,996 |
| Net loans and leases to core deposits | 44.3730% | 6,909 |
| Total domestic deposits to total assets | 90.2610% | 739 |
| Equity capital to assets | 8.5340% | 6,266 |
| Core capital (leverage) ratio | 9.5730% | 4,033 |
| Tier 1 risk-based capital ratio | 16.3523% | 2,941 |
| Total risk-based capital ratio | 17.6197% | 2,895 |
| Memoranda: | ||
| Average total assets | $327,843,750 | 1,975 |
| Average earning assets | $281,484,250 | 2,090 |
| Average equity | $25,782,500 | 2,502 |
| Average total loans | $131,775,000 | 2,980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 4,375 |
| Cost of funding earning assets | 0.6397% | 6,277 |
| Net interest margin | 4.0942% | 2,432 |
| Noninterest income to average assets | 0.8333% | 1,876 |
| Noninterest expense to average assets | 4.0349% | 996 |
| Loan and lease loss provision to assets | 0.5851% | 1,654 |
| Net operating income to assets | -0.2886% | 6,548 |
| Return on assets (ROA) | -0.2134% | 6,520 |
| Pretax return on assets | -0.2134% | 6,463 |
| Return on Equity (ROE) | -2.7930% | 6,576 |
| Retained earnings to average equity (ytd only) | -2.7930% | 6,352 |
| Net charge-offs to loans | 3.6999% | 237 |
| Credit loss provision to net charge-offs | 38.3260% | 4,845 |
| Earnings coverage of net charge-offs (x) | 0.1942% | 5,164 |
| Efficiency ratio | 93.1546% | 1,033 |
| Assets per employee ($millions) | 3.2832% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5867% | 259 |
| Loan loss allowance to noncurrent loans | 38.7700% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 5.7953% | 986 |
| Noncurrent loans to loans | 11.8305% | 266 |
| Net loans and leases to total assets | 36.8762% | 6,917 |
| Net loans and leases to deposits | 40.6115% | 7,045 |
| Net loans and leases to core deposits | 45.4753% | 6,961 |
| Total domestic deposits to total assets | 90.8023% | 589 |
| Equity capital to assets | 8.0175% | 6,670 |
| Core capital (leverage) ratio | 9.5837% | 3,838 |
| Tier 1 risk-based capital ratio | 16.5563% | 2,714 |
| Total risk-based capital ratio | 17.8315% | 2,657 |
| Memoranda: | ||
| Average total assets | $327,144,670 | 1,986 |
| Average earning assets | $279,518,000 | 2,107 |
| Average equity | $24,991,000 | 2,560 |
| Average total loans | $134,975,330 | 2,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 2,956 |
| Cost of funding earning assets | 0.6781% | 6,258 |
| Net interest margin | 4.3521% | 1,420 |
| Noninterest income to average assets | 0.7605% | 2,216 |
| Noninterest expense to average assets | 4.4766% | 606 |
| Loan and lease loss provision to assets | 1.1676% | 605 |
| Net operating income to assets | -1.1761% | 7,089 |
| Return on assets (ROA) | -1.0262% | 7,057 |
| Pretax return on assets | -1.0262% | 7,008 |
| Return on Equity (ROE) | -13.7714% | 7,123 |
| Retained earnings to average equity (ytd only) | -13.7714% | 7,005 |
| Net charge-offs to loans | 3.9785% | 226 |
| Credit loss provision to net charge-offs | 68.9705% | 3,369 |
| Earnings coverage of net charge-offs (x) | -0.0050% | 4,582 |
| Efficiency ratio | 100.1909% | 738 |
| Assets per employee ($millions) | 3.2718% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1345% | 177 |
| Loan loss allowance to noncurrent loans | 38.2240% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 6.5256% | 852 |
| Noncurrent loans to loans | 13.4325% | 206 |
| Net loans and leases to total assets | 39.1878% | 6,839 |
| Net loans and leases to deposits | 42.8926% | 6,991 |
| Net loans and leases to core deposits | 48.5647% | 6,853 |
| Total domestic deposits to total assets | 91.3626% | 459 |
| Equity capital to assets | 7.4944% | 6,871 |
| Core capital (leverage) ratio | 9.2787% | 4,155 |
| Tier 1 risk-based capital ratio | 15.8145% | 2,991 |
| Total risk-based capital ratio | 17.0927% | 2,944 |
| Memoranda: | ||
| Average total assets | $328,197,500 | 1,994 |
| Average earning assets | $279,587,000 | 2,114 |
| Average equity | $24,456,500 | 2,601 |
| Average total loans | $139,651,000 | 2,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 3,567 |
| Cost of funding earning assets | 0.9018% | 6,170 |
| Net interest margin | 4.3060% | 1,804 |
| Noninterest income to average assets | 0.7697% | 2,424 |
| Noninterest expense to average assets | 4.3590% | 761 |
| Loan and lease loss provision to assets | 2.5681% | 427 |
| Net operating income to assets | -2.6681% | 7,222 |
| Return on assets (ROA) | -2.7678% | 7,260 |
| Pretax return on assets | -2.6449% | 7,213 |
| Return on Equity (ROE) | -30.6616% | 7,239 |
| Retained earnings to average equity (ytd only) | -30.6616% | 7,227 |
| Net charge-offs to loans | 4.5392% | 239 |
| Credit loss provision to net charge-offs | 121.5081% | 3,459 |
| Earnings coverage of net charge-offs (x) | 0.0109% | 6,115 |
| Efficiency ratio | 83.4963% | 1,985 |
| Assets per employee ($millions) | 3.0786% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0186% | 188 |
| Loan loss allowance to noncurrent loans | 43.7901% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 5.9398% | 1,010 |
| Noncurrent loans to loans | 11.4605% | 325 |
| Net loans and leases to total assets | 41.5648% | 6,871 |
| Net loans and leases to deposits | 45.6543% | 7,057 |
| Net loans and leases to core deposits | 45.6543% | 7,152 |
| Total domestic deposits to total assets | 91.0424% | 583 |
| Equity capital to assets | 7.4102% | 6,932 |
| Core capital (leverage) ratio | 9.1471% | 4,268 |
| Tier 1 risk-based capital ratio | 15.0803% | 3,198 |
| Total risk-based capital ratio | 16.3581% | 3,134 |
| Memoranda: | ||
| Average total assets | $357,029,000 | 1,830 |
| Average earning assets | $299,511,800 | 1,981 |
| Average equity | $32,229,200 | 2,042 |
| Average total loans | $166,240,200 | 2,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 3,580 |
| Cost of funding earning assets | 0.9496% | 6,177 |
| Net interest margin | 4.2997% | 1,850 |
| Noninterest income to average assets | 0.7945% | 2,265 |
| Noninterest expense to average assets | 4.4864% | 609 |
| Loan and lease loss provision to assets | 2.3787% | 455 |
| Net operating income to assets | -1.5752% | 7,125 |
| Return on assets (ROA) | -1.6102% | 7,147 |
| Pretax return on assets | -2.5281% | 7,322 |
| Return on Equity (ROE) | -17.1356% | 7,162 |
| Retained earnings to average equity (ytd only) | -17.1356% | 7,140 |
| Net charge-offs to loans | 3.6975% | 354 |
| Credit loss provision to net charge-offs | 136.2852% | 2,941 |
| Earnings coverage of net charge-offs (x) | -0.0543% | 6,072 |
| Efficiency ratio | 81.2573% | 2,160 |
| Assets per employee ($millions) | 3.4786% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7639% | 206 |
| Loan loss allowance to noncurrent loans | 41.4767% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 6.2897% | 917 |
| Noncurrent loans to loans | 11.4857% | 321 |
| Net loans and leases to total assets | 42.1292% | 6,969 |
| Net loans and leases to deposits | 48.9189% | 7,047 |
| Net loans and leases to core deposits | 48.9536% | 7,164 |
| Total domestic deposits to total assets | 86.1204% | 3,017 |
| Equity capital to assets | 9.9600% | 4,206 |
| Core capital (leverage) ratio | 9.7950% | 3,493 |
| Tier 1 risk-based capital ratio | 15.4274% | 3,037 |
| Total risk-based capital ratio | 16.7031% | 2,995 |
| Memoranda: | ||
| Average total assets | $363,164,250 | 1,826 |
| Average earning assets | $303,828,750 | 1,983 |
| Average equity | $34,127,000 | 1,961 |
| Average total loans | $171,425,250 | 2,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 3,864 |
| Cost of funding earning assets | 0.9701% | 6,290 |
| Net interest margin | 4.2473% | 1,974 |
| Noninterest income to average assets | 0.7802% | 2,235 |
| Noninterest expense to average assets | 3.4333% | 2,183 |
| Loan and lease loss provision to assets | 2.7932% | 376 |
| Net operating income to assets | -0.8673% | 6,889 |
| Return on assets (ROA) | -0.8673% | 6,906 |
| Pretax return on assets | -1.8899% | 7,208 |
| Return on Equity (ROE) | -9.4094% | 6,946 |
| Retained earnings to average equity (ytd only) | -9.4094% | 6,889 |
| Net charge-offs to loans | 4.1435% | 304 |
| Credit loss provision to net charge-offs | 140.0055% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.4528% | 5,260 |
| Efficiency ratio | 79.1709% | 2,551 |
| Assets per employee ($millions) | 3.3230% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3467% | 285 |
| Loan loss allowance to noncurrent loans | 29.8463% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 7.8774% | 630 |
| Noncurrent loans to loans | 14.5635% | 181 |
| Net loans and leases to total assets | 43.8054% | 6,935 |
| Net loans and leases to deposits | 52.5392% | 6,945 |
| Net loans and leases to core deposits | 52.5766% | 7,107 |
| Total domestic deposits to total assets | 83.3767% | 4,401 |
| Equity capital to assets | 9.4787% | 4,733 |
| Core capital (leverage) ratio | 9.7965% | 3,410 |
| Tier 1 risk-based capital ratio | 14.9836% | 3,157 |
| Total risk-based capital ratio | 16.2557% | 3,119 |
| Memoranda: | ||
| Average total assets | $367,107,000 | 1,822 |
| Average earning assets | $307,393,000 | 1,981 |
| Average equity | $33,838,330 | 1,972 |
| Average total loans | $176,760,670 | 2,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 3,339 |
| Cost of funding earning assets | 1.0199% | 6,280 |
| Net interest margin | 4.3208% | 1,627 |
| Noninterest income to average assets | 0.7564% | 2,262 |
| Noninterest expense to average assets | 3.2768% | 2,606 |
| Loan and lease loss provision to assets | 3.3533% | 278 |
| Net operating income to assets | -1.0790% | 7,156 |
| Return on assets (ROA) | -1.0355% | 7,146 |
| Pretax return on assets | -2.1766% | 7,454 |
| Return on Equity (ROE) | -11.3901% | 7,188 |
| Retained earnings to average equity (ytd only) | -11.3901% | 7,038 |
| Net charge-offs to loans | 2.8946% | 537 |
| Credit loss provision to net charge-offs | 235.0453% | 1,629 |
| Earnings coverage of net charge-offs (x) | 0.7772% | 4,340 |
| Efficiency ratio | 74.7174% | 3,447 |
| Assets per employee ($millions) | 3.4048% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1943% | 314 |
| Loan loss allowance to noncurrent loans | 31.5769% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 6.7253% | 823 |
| Noncurrent loans to loans | 13.2827% | 235 |
| Net loans and leases to total assets | 46.3839% | 6,805 |
| Net loans and leases to deposits | 55.2689% | 6,826 |
| Net loans and leases to core deposits | 55.4432% | 7,021 |
| Total domestic deposits to total assets | 83.9241% | 4,174 |
| Equity capital to assets | 9.1353% | 5,084 |
| Core capital (leverage) ratio | 9.7986% | 3,400 |
| Tier 1 risk-based capital ratio | 14.6000% | 3,318 |
| Total risk-based capital ratio | 15.8668% | 3,274 |
| Memoranda: | ||
| Average total assets | $371,217,000 | 1,849 |
| Average earning assets | $311,791,000 | 2,002 |
| Average equity | $33,748,500 | 1,999 |
| Average total loans | $182,963,000 | 2,454 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7214% | 2,999 |
| Cost of funding earning assets | 1.2646% | 6,424 |
| Net interest margin | 4.4568% | 1,279 |
| Noninterest income to average assets | 0.8136% | 2,340 |
| Noninterest expense to average assets | 3.3225% | 2,937 |
| Loan and lease loss provision to assets | 2.4311% | 830 |
| Net operating income to assets | -0.4236% | 6,104 |
| Return on assets (ROA) | -0.3676% | 6,036 |
| Pretax return on assets | -1.0020% | 6,409 |
| Return on Equity (ROE) | -4.3845% | 6,149 |
| Retained earnings to average equity (ytd only) | -4.3845% | 5,926 |
| Net charge-offs to loans | 2.7929% | 796 |
| Credit loss provision to net charge-offs | 166.9714% | 2,588 |
| Earnings coverage of net charge-offs (x) | 0.9215% | 5,192 |
| Efficiency ratio | 71.2340% | 4,406 |
| Assets per employee ($millions) | 3.4065% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0224% | 759 |
| Loan loss allowance to noncurrent loans | 29.0337% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 5.2888% | 1,121 |
| Noncurrent loans to loans | 10.4100% | 382 |
| Net loans and leases to total assets | 48.6283% | 6,762 |
| Net loans and leases to deposits | 57.8525% | 6,792 |
| Net loans and leases to core deposits | 74.1034% | 6,528 |
| Total domestic deposits to total assets | 84.0557% | 4,003 |
| Equity capital to assets | 9.0482% | 5,065 |
| Core capital (leverage) ratio | 9.7046% | 3,448 |
| Tier 1 risk-based capital ratio | 14.4695% | 3,227 |
| Total risk-based capital ratio | 15.7320% | 3,170 |
| Memoranda: | ||
| Average total assets | $398,221,800 | 1,725 |
| Average earning assets | $344,059,600 | 1,814 |
| Average equity | $33,390,400 | 2,009 |
| Average total loans | $207,599,200 | 2,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 2,882 |
| Cost of funding earning assets | 1.3515% | 6,392 |
| Net interest margin | 4.4505% | 1,314 |
| Noninterest income to average assets | 0.8156% | 2,355 |
| Noninterest expense to average assets | 3.1203% | 3,579 |
| Loan and lease loss provision to assets | 2.0641% | 859 |
| Net operating income to assets | 0.1422% | 5,345 |
| Return on assets (ROA) | 0.1481% | 5,390 |
| Pretax return on assets | -0.4883% | 6,279 |
| Return on Equity (ROE) | 1.7998% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.7998% | 4,308 |
| Net charge-offs to loans | 1.9963% | 985 |
| Credit loss provision to net charge-offs | 196.6059% | 2,284 |
| Earnings coverage of net charge-offs (x) | 1.4921% | 4,668 |
| Efficiency ratio | 66.5751% | 5,276 |
| Assets per employee ($millions) | 3.5631% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4540% | 1,104 |
| Loan loss allowance to noncurrent loans | 31.8530% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 3.9666% | 1,623 |
| Noncurrent loans to loans | 7.7042% | 656 |
| Net loans and leases to total assets | 49.3898% | 6,831 |
| Net loans and leases to deposits | 60.3412% | 6,808 |
| Net loans and leases to core deposits | 78.1037% | 6,479 |
| Total domestic deposits to total assets | 81.8509% | 4,740 |
| Equity capital to assets | 9.4927% | 4,754 |
| Core capital (leverage) ratio | 9.9944% | 3,291 |
| Tier 1 risk-based capital ratio | 14.1637% | 3,462 |
| Total risk-based capital ratio | 15.4209% | 3,405 |
| Memoranda: | ||
| Average total assets | $404,098,250 | 1,711 |
| Average earning assets | $351,501,000 | 1,794 |
| Average equity | $33,261,750 | 2,043 |
| Average total loans | $212,524,750 | 2,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8318% | 2,894 |
| Cost of funding earning assets | 1.4299% | 6,377 |
| Net interest margin | 4.4019% | 1,407 |
| Noninterest income to average assets | 0.7762% | 2,544 |
| Noninterest expense to average assets | 3.0180% | 4,014 |
| Loan and lease loss provision to assets | 2.6583% | 579 |
| Net operating income to assets | -0.1454% | 6,097 |
| Return on assets (ROA) | -0.1852% | 6,188 |
| Pretax return on assets | -1.1354% | 6,897 |
| Return on Equity (ROE) | -2.3664% | 6,280 |
| Retained earnings to average equity (ytd only) | -2.3664% | 5,831 |
| Net charge-offs to loans | 2.7401% | 616 |
| Credit loss provision to net charge-offs | 182.2917% | 2,520 |
| Earnings coverage of net charge-offs (x) | 1.0870% | 4,697 |
| Efficiency ratio | 65.5631% | 5,620 |
| Assets per employee ($millions) | 3.6978% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 1,503 |
| Loan loss allowance to noncurrent loans | 29.0415% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 3.6570% | 1,685 |
| Noncurrent loans to loans | 7.0087% | 695 |
| Net loans and leases to total assets | 50.2288% | 6,850 |
| Net loans and leases to deposits | 59.7681% | 6,906 |
| Net loans and leases to core deposits | 74.2415% | 6,776 |
| Total domestic deposits to total assets | 84.0394% | 3,745 |
| Equity capital to assets | 7.9795% | 6,778 |
| Core capital (leverage) ratio | 9.4382% | 3,978 |
| Tier 1 risk-based capital ratio | 12.9804% | 4,163 |
| Total risk-based capital ratio | 14.2360% | 4,079 |
| Memoranda: | ||
| Average total assets | $408,150,000 | 1,723 |
| Average earning assets | $354,850,000 | 1,794 |
| Average equity | $31,947,000 | 2,116 |
| Average total loans | $217,216,330 | 2,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 2,674 |
| Cost of funding earning assets | 1.5323% | 6,300 |
| Net interest margin | 4.3918% | 1,366 |
| Noninterest income to average assets | 0.6819% | 2,993 |
| Noninterest expense to average assets | 3.0877% | 3,421 |
| Loan and lease loss provision to assets | 3.8861% | 248 |
| Net operating income to assets | -1.2896% | 7,411 |
| Return on assets (ROA) | -1.1975% | 7,379 |
| Pretax return on assets | -2.3148% | 7,618 |
| Return on Equity (ROE) | -15.4487% | 7,620 |
| Retained earnings to average equity (ytd only) | -15.4487% | 7,456 |
| Net charge-offs to loans | 2.3959% | 601 |
| Credit loss provision to net charge-offs | 299.3218% | 1,632 |
| Earnings coverage of net charge-offs (x) | 1.0995% | 4,204 |
| Efficiency ratio | 68.3857% | 4,896 |
| Assets per employee ($millions) | 3.5967% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 1,340 |
| Loan loss allowance to noncurrent loans | 98.5575% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 4,464 |
| Noncurrent loans to loans | 2.0675% | 3,173 |
| Net loans and leases to total assets | 52.0706% | 6,674 |
| Net loans and leases to deposits | 61.4742% | 6,772 |
| Net loans and leases to core deposits | 76.9269% | 6,615 |
| Total domestic deposits to total assets | 84.7032% | 3,359 |
| Equity capital to assets | 7.3325% | 7,467 |
| Core capital (leverage) ratio | 9.2127% | 4,382 |
| Tier 1 risk-based capital ratio | 12.5969% | 4,477 |
| Total risk-based capital ratio | 13.8461% | 4,400 |
| Memoranda: | ||
| Average total assets | $408,846,500 | 1,727 |
| Average earning assets | $356,845,500 | 1,799 |
| Average equity | $31,692,000 | 2,135 |
| Average total loans | $221,547,500 | 2,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6038% | 2,472 |
| Cost of funding earning assets | 2.0089% | 6,385 |
| Net interest margin | 4.5949% | 1,194 |
| Noninterest income to average assets | 0.3928% | 5,532 |
| Noninterest expense to average assets | 3.0930% | 3,721 |
| Loan and lease loss provision to assets | 0.2758% | 4,185 |
| Net operating income to assets | 1.1489% | 1,947 |
| Return on assets (ROA) | 0.1359% | 5,848 |
| Pretax return on assets | 0.0562% | 6,035 |
| Return on Equity (ROE) | 1.6401% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.6401% | 4,226 |
| Net charge-offs to loans | 0.0855% | 5,533 |
| Credit loss provision to net charge-offs | 602.5907% | 713 |
| Earnings coverage of net charge-offs (x) | 29.3834% | 1,182 |
| Efficiency ratio | 69.6932% | 4,401 |
| Assets per employee ($millions) | 3.5760% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 7,117 |
| Loan loss allowance to noncurrent loans | 311.8056% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 6,956 |
| Noncurrent loans to loans | 0.2558% | 6,615 |
| Net loans and leases to total assets | 54.7886% | 6,567 |
| Net loans and leases to deposits | 66.1583% | 6,634 |
| Net loans and leases to core deposits | 80.0963% | 6,610 |
| Total domestic deposits to total assets | 82.8144% | 3,848 |
| Equity capital to assets | 8.1731% | 6,589 |
| Core capital (leverage) ratio | 9.5950% | 3,884 |
| Tier 1 risk-based capital ratio | 12.9390% | 4,144 |
| Total risk-based capital ratio | 13.5415% | 4,474 |
| Memoranda: | ||
| Average total assets | $421,633,000 | 1,615 |
| Average earning assets | $371,193,600 | 1,678 |
| Average equity | $34,936,000 | 1,936 |
| Average total loans | $225,619,400 | 2,078 |