Home > Firstbank - West Michigan > Performance and Condition Ratios
Firstbank - West Michigan, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 2,908 |
| Cost of funding earning assets | 0.4730% | 5,400 |
| Net interest margin | 4.1494% | 1,820 |
| Noninterest income to average assets | 0.6370% | 3,070 |
| Noninterest expense to average assets | 3.4249% | 2,000 |
| Loan and lease loss provision to assets | 0.1468% | 3,770 |
| Net operating income to assets | 0.3853% | 5,157 |
| Return on assets (ROA) | 0.3870% | 5,386 |
| Pretax return on assets | 0.4540% | 5,414 |
| Return on Equity (ROE) | 2.4711% | 5,759 |
| Retained earnings to average equity (ytd only) | -16.2733% | 6,794 |
| Net charge-offs to loans | 1.0296% | 1,048 |
| Credit loss provision to net charge-offs | 24.7117% | 5,207 |
| Earnings coverage of net charge-offs (x) | 1.0082% | 4,969 |
| Efficiency ratio | 80.6907% | 2,053 |
| Assets per employee ($millions) | 3.8962% | 4,157 |
| Cash dividends to net income (ytd only)* | 758.5335% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,551 |
| Loan loss allowance to noncurrent loans | 573.6018% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 4,670 |
| Noncurrent loans to loans | 0.3834% | 5,538 |
| Net loans and leases to total assets | 55.2128% | 4,421 |
| Net loans and leases to deposits | 67.2001% | 4,103 |
| Net loans and leases to core deposits | 68.4594% | 4,486 |
| Total domestic deposits to total assets | 82.1618% | 5,040 |
| Equity capital to assets | 14.5515% | 855 |
| Core capital (leverage) ratio | 7.2857% | 6,594 |
| Tier 1 risk-based capital ratio | 11.5702% | 6,047 |
| Total risk-based capital ratio | 12.8318% | 6,008 |
| Memoranda: | ||
| Average total assets | $204,386,000 | 2,993 |
| Average earning assets | $166,818,000 | 3,275 |
| Average equity | $32,009,400 | 2,141 |
| Average total loans | $117,912,200 | 3,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 2,788 |
| Cost of funding earning assets | 0.4955% | 5,460 |
| Net interest margin | 4.2102% | 1,706 |
| Noninterest income to average assets | 0.5435% | 3,649 |
| Noninterest expense to average assets | 3.3585% | 2,109 |
| Loan and lease loss provision to assets | 0.2616% | 2,481 |
| Net operating income to assets | 0.3273% | 5,515 |
| Return on assets (ROA) | 0.3296% | 5,715 |
| Pretax return on assets | 0.3604% | 5,812 |
| Return on Equity (ROE) | 2.0677% | 6,003 |
| Retained earnings to average equity (ytd only) | -22.5475% | 7,002 |
| Net charge-offs to loans | 1.0261% | 1,030 |
| Credit loss provision to net charge-offs | 43.9560% | 4,529 |
| Earnings coverage of net charge-offs (x) | 1.0407% | 4,791 |
| Efficiency ratio | 79.8093% | 2,121 |
| Assets per employee ($millions) | 3.9103% | 4,056 |
| Cash dividends to net income (ytd only)* | 1,190.4819% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5170% | 1,188 |
| Loan loss allowance to noncurrent loans | 371.0000% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 4,244 |
| Noncurrent loans to loans | 0.6784% | 5,087 |
| Net loans and leases to total assets | 56.5331% | 4,368 |
| Net loans and leases to deposits | 68.8502% | 4,051 |
| Net loans and leases to core deposits | 70.1601% | 4,486 |
| Total domestic deposits to total assets | 82.1102% | 4,978 |
| Equity capital to assets | 14.6665% | 922 |
| Core capital (leverage) ratio | 7.1796% | 6,760 |
| Tier 1 risk-based capital ratio | 11.1023% | 6,440 |
| Total risk-based capital ratio | 12.3672% | 6,405 |
| Memoranda: | ||
| Average total assets | $203,857,250 | 3,031 |
| Average earning assets | $166,289,000 | 3,318 |
| Average equity | $32,499,500 | 2,139 |
| Average total loans | $118,245,500 | 3,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,816 |
| Cost of funding earning assets | 0.5150% | 5,518 |
| Net interest margin | 4.2112% | 1,718 |
| Noninterest income to average assets | 0.7097% | 2,616 |
| Noninterest expense to average assets | 3.4191% | 1,988 |
| Loan and lease loss provision to assets | 0.2941% | 2,225 |
| Net operating income to assets | 0.3963% | 5,221 |
| Return on assets (ROA) | 0.3999% | 5,447 |
| Pretax return on assets | 0.4313% | 5,632 |
| Return on Equity (ROE) | 2.4437% | 5,897 |
| Retained earnings to average equity (ytd only) | -33.4931% | 7,115 |
| Net charge-offs to loans | 1.2978% | 820 |
| Credit loss provision to net charge-offs | 39.0625% | 4,282 |
| Earnings coverage of net charge-offs (x) | 0.9583% | 4,556 |
| Efficiency ratio | 77.8646% | 2,477 |
| Assets per employee ($millions) | 3.5972% | 4,754 |
| Cash dividends to net income (ytd only)* | 1,470.5882% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5594% | 1,196 |
| Loan loss allowance to noncurrent loans | 319.1941% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 3,999 |
| Noncurrent loans to loans | 0.8018% | 4,905 |
| Net loans and leases to total assets | 57.9216% | 4,172 |
| Net loans and leases to deposits | 70.4389% | 3,831 |
| Net loans and leases to core deposits | 71.8117% | 4,318 |
| Total domestic deposits to total assets | 82.2295% | 5,045 |
| Equity capital to assets | 15.0011% | 788 |
| Core capital (leverage) ratio | 7.0550% | 6,803 |
| Tier 1 risk-based capital ratio | 11.3463% | 6,316 |
| Total risk-based capital ratio | 12.6126% | 6,280 |
| Memoranda: | ||
| Average total assets | $204,031,670 | 3,040 |
| Average earning assets | $166,224,330 | 3,324 |
| Average equity | $33,392,000 | 2,069 |
| Average total loans | $118,354,330 | 3,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 3,082 |
| Cost of funding earning assets | 0.5295% | 5,612 |
| Net interest margin | 4.1628% | 1,883 |
| Noninterest income to average assets | 0.7030% | 2,651 |
| Noninterest expense to average assets | 3.3004% | 2,285 |
| Loan and lease loss provision to assets | 0.2897% | 2,148 |
| Net operating income to assets | 0.3804% | 5,347 |
| Return on assets (ROA) | 0.3804% | 5,531 |
| Pretax return on assets | 0.4982% | 5,436 |
| Return on Equity (ROE) | 2.2356% | 5,993 |
| Retained earnings to average equity (ytd only) | 2.2356% | 5,139 |
| Net charge-offs to loans | 1.3375% | 763 |
| Credit loss provision to net charge-offs | 37.7834% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.0277% | 3,810 |
| Efficiency ratio | 76.0510% | 2,781 |
| Assets per employee ($millions) | 3.8493% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7406% | 1,069 |
| Loan loss allowance to noncurrent loans | 206.9827% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 3,536 |
| Noncurrent loans to loans | 1.3240% | 4,126 |
| Net loans and leases to total assets | 54.1608% | 4,693 |
| Net loans and leases to deposits | 67.0830% | 4,218 |
| Net loans and leases to core deposits | 68.1390% | 4,662 |
| Total domestic deposits to total assets | 80.7370% | 5,667 |
| Equity capital to assets | 16.7156% | 469 |
| Core capital (leverage) ratio | 9.8662% | 3,543 |
| Tier 1 risk-based capital ratio | 16.1325% | 3,104 |
| Total risk-based capital ratio | 17.4012% | 3,059 |
| Memoranda: | ||
| Average total assets | $207,125,000 | 3,024 |
| Average earning assets | $168,445,500 | 3,312 |
| Average equity | $35,248,500 | 1,964 |
| Average total loans | $118,729,000 | 3,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 2,179 |
| Cost of funding earning assets | 0.7583% | 5,151 |
| Net interest margin | 4.4129% | 1,366 |
| Noninterest income to average assets | 0.5592% | 3,435 |
| Noninterest expense to average assets | 3.4630% | 2,082 |
| Loan and lease loss provision to assets | 0.1848% | 4,344 |
| Net operating income to assets | 0.4009% | 4,861 |
| Return on assets (ROA) | 0.3759% | 5,145 |
| Pretax return on assets | 0.4508% | 5,125 |
| Return on Equity (ROE) | 2.2253% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.2253% | 4,628 |
| Net charge-offs to loans | 0.5999% | 2,650 |
| Credit loss provision to net charge-offs | 50.8820% | 5,402 |
| Earnings coverage of net charge-offs (x) | 1.8331% | 4,402 |
| Efficiency ratio | 78.7470% | 2,492 |
| Assets per employee ($millions) | 3.6825% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9090% | 885 |
| Loan loss allowance to noncurrent loans | 182.8601% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 3,177 |
| Noncurrent loans to loans | 1.5908% | 3,778 |
| Net loans and leases to total assets | 57.3147% | 4,495 |
| Net loans and leases to deposits | 71.4618% | 3,879 |
| Net loans and leases to core deposits | 72.6569% | 4,416 |
| Total domestic deposits to total assets | 80.2032% | 5,685 |
| Equity capital to assets | 17.3340% | 410 |
| Core capital (leverage) ratio | 9.7227% | 3,716 |
| Tier 1 risk-based capital ratio | 15.6819% | 3,221 |
| Total risk-based capital ratio | 16.9528% | 3,174 |
| Memoranda: | ||
| Average total assets | $202,972,600 | 3,026 |
| Average earning assets | $164,177,400 | 3,330 |
| Average equity | $34,287,800 | 1,952 |
| Average total loans | $122,854,200 | 3,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 2,218 |
| Cost of funding earning assets | 0.8049% | 5,118 |
| Net interest margin | 4.3932% | 1,426 |
| Noninterest income to average assets | 0.4556% | 4,254 |
| Noninterest expense to average assets | 3.4875% | 1,971 |
| Loan and lease loss provision to assets | 0.1970% | 4,055 |
| Net operating income to assets | 0.3120% | 5,352 |
| Return on assets (ROA) | 0.2968% | 5,580 |
| Pretax return on assets | 0.3204% | 5,663 |
| Return on Equity (ROE) | 1.7682% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.7682% | 5,256 |
| Net charge-offs to loans | 0.7147% | 2,122 |
| Credit loss provision to net charge-offs | 45.2489% | 5,138 |
| Earnings coverage of net charge-offs (x) | 1.2262% | 4,704 |
| Efficiency ratio | 81.3224% | 2,069 |
| Assets per employee ($millions) | 3.6844% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8867% | 946 |
| Loan loss allowance to noncurrent loans | 363.7029% | 880 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 3,770 |
| Noncurrent loans to loans | 0.7937% | 5,288 |
| Net loans and leases to total assets | 56.6925% | 4,729 |
| Net loans and leases to deposits | 70.0821% | 4,290 |
| Net loans and leases to core deposits | 71.3993% | 4,790 |
| Total domestic deposits to total assets | 80.8944% | 5,468 |
| Equity capital to assets | 16.8364% | 502 |
| Core capital (leverage) ratio | 9.5615% | 4,056 |
| Tier 1 risk-based capital ratio | 15.3822% | 3,442 |
| Total risk-based capital ratio | 16.6535% | 3,409 |
| Memoranda: | ||
| Average total assets | $203,081,250 | 3,042 |
| Average earning assets | $164,825,250 | 3,338 |
| Average equity | $34,082,750 | 1,966 |
| Average total loans | $123,677,250 | 3,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 2,023 |
| Cost of funding earning assets | 0.8540% | 5,033 |
| Net interest margin | 4.4069% | 1,349 |
| Noninterest income to average assets | 0.4941% | 3,916 |
| Noninterest expense to average assets | 3.5683% | 1,817 |
| Loan and lease loss provision to assets | 0.1980% | 3,948 |
| Net operating income to assets | 0.2904% | 5,406 |
| Return on assets (ROA) | 0.2673% | 5,617 |
| Pretax return on assets | 0.2752% | 5,725 |
| Return on Equity (ROE) | 1.5946% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.5946% | 5,190 |
| Net charge-offs to loans | 0.7198% | 2,072 |
| Credit loss provision to net charge-offs | 44.5434% | 4,716 |
| Earnings coverage of net charge-offs (x) | 1.1180% | 4,438 |
| Efficiency ratio | 82.1237% | 2,083 |
| Assets per employee ($millions) | 3.6554% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8930% | 992 |
| Loan loss allowance to noncurrent loans | 480.7229% | 691 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 3,786 |
| Noncurrent loans to loans | 0.6018% | 5,711 |
| Net loans and leases to total assets | 58.8846% | 4,488 |
| Net loans and leases to deposits | 72.5433% | 4,031 |
| Net loans and leases to core deposits | 74.5474% | 4,500 |
| Total domestic deposits to total assets | 81.1717% | 5,469 |
| Equity capital to assets | 16.8567% | 497 |
| Core capital (leverage) ratio | 9.6311% | 3,763 |
| Tier 1 risk-based capital ratio | 14.9080% | 3,542 |
| Total risk-based capital ratio | 16.1796% | 3,503 |
| Memoranda: | ||
| Average total assets | $201,999,330 | 3,072 |
| Average earning assets | $163,697,670 | 3,375 |
| Average equity | $33,864,330 | 1,964 |
| Average total loans | $124,753,330 | 3,129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 2,034 |
| Cost of funding earning assets | 0.9118% | 4,837 |
| Net interest margin | 4.3420% | 1,442 |
| Noninterest income to average assets | 0.4705% | 4,114 |
| Noninterest expense to average assets | 3.5844% | 1,804 |
| Loan and lease loss provision to assets | 0.1994% | 3,641 |
| Net operating income to assets | 0.2273% | 5,695 |
| Return on assets (ROA) | 0.2193% | 5,783 |
| Pretax return on assets | 0.1914% | 5,959 |
| Return on Equity (ROE) | 1.3117% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.3117% | 5,301 |
| Net charge-offs to loans | 0.6301% | 1,942 |
| Credit loss provision to net charge-offs | 50.7614% | 3,733 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 3,894 |
| Efficiency ratio | 84.1842% | 1,936 |
| Assets per employee ($millions) | 3.6721% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0372% | 886 |
| Loan loss allowance to noncurrent loans | 233.0635% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 1.8157% | 3,548 |
| Noncurrent loans to loans | 1.3032% | 4,523 |
| Net loans and leases to total assets | 59.1654% | 4,433 |
| Net loans and leases to deposits | 73.3754% | 3,866 |
| Net loans and leases to core deposits | 75.4643% | 4,365 |
| Total domestic deposits to total assets | 80.6339% | 5,775 |
| Equity capital to assets | 16.9157% | 450 |
| Core capital (leverage) ratio | 9.4488% | 3,887 |
| Tier 1 risk-based capital ratio | 14.8826% | 3,486 |
| Total risk-based capital ratio | 16.1565% | 3,440 |
| Memoranda: | ||
| Average total assets | $200,648,000 | 3,102 |
| Average earning assets | $162,323,000 | 3,416 |
| Average equity | $33,543,500 | 1,963 |
| Average total loans | $125,065,500 | 3,152 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8157% | 1,237 |
| Cost of funding earning assets | 1.6160% | 1,973 |
| Net interest margin | 4.1997% | 2,188 |
| Noninterest income to average assets | 0.2900% | 5,713 |
| Noninterest expense to average assets | 3.6572% | 1,793 |
| Loan and lease loss provision to assets | 0.2273% | 5,003 |
| Net operating income to assets | -0.0393% | 5,911 |
| Return on assets (ROA) | -0.0531% | 6,015 |
| Pretax return on assets | -0.2192% | 6,103 |
| Return on Equity (ROE) | -0.3404% | 6,005 |
| Retained earnings to average equity (ytd only) | -0.3404% | 5,678 |
| Net charge-offs to loans | 1.4282% | 1,555 |
| Credit loss provision to net charge-offs | 25.1856% | 6,525 |
| Earnings coverage of net charge-offs (x) | 0.0270% | 6,097 |
| Efficiency ratio | 92.8766% | 1,126 |
| Assets per employee ($millions) | 3.4367% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0261% | 849 |
| Loan loss allowance to noncurrent loans | 180.1126% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 3,257 |
| Noncurrent loans to loans | 1.6801% | 3,977 |
| Net loans and leases to total assets | 61.7338% | 4,339 |
| Net loans and leases to deposits | 77.3234% | 3,619 |
| Net loans and leases to core deposits | 79.3625% | 4,297 |
| Total domestic deposits to total assets | 79.8385% | 5,877 |
| Equity capital to assets | 16.5168% | 510 |
| Core capital (leverage) ratio | 8.7554% | 4,926 |
| Tier 1 risk-based capital ratio | 14.0849% | 3,819 |
| Total risk-based capital ratio | 15.3588% | 3,764 |
| Memoranda: | ||
| Average total assets | $208,959,800 | 2,990 |
| Average earning assets | $168,751,400 | 3,304 |
| Average equity | $32,604,400 | 2,012 |
| Average total loans | $132,057,800 | 3,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 1,491 |
| Cost of funding earning assets | 1.7084% | 1,832 |
| Net interest margin | 4.0589% | 2,819 |
| Noninterest income to average assets | 0.3898% | 5,040 |
| Noninterest expense to average assets | 3.6517% | 1,669 |
| Loan and lease loss provision to assets | 0.6150% | 2,481 |
| Net operating income to assets | -0.3045% | 6,431 |
| Return on assets (ROA) | -0.3186% | 6,494 |
| Pretax return on assets | -0.6169% | 6,626 |
| Return on Equity (ROE) | -2.0702% | 6,413 |
| Retained earnings to average equity (ytd only) | -2.0702% | 6,215 |
| Net charge-offs to loans | 1.5438% | 1,300 |
| Credit loss provision to net charge-offs | 63.1477% | 5,611 |
| Earnings coverage of net charge-offs (x) | 0.0162% | 6,012 |
| Efficiency ratio | 93.0169% | 1,058 |
| Assets per employee ($millions) | 3.3150% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6724% | 477 |
| Loan loss allowance to noncurrent loans | 123.8297% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 3.2739% | 2,182 |
| Noncurrent loans to loans | 2.9657% | 2,691 |
| Net loans and leases to total assets | 59.7518% | 4,955 |
| Net loans and leases to deposits | 78.5199% | 3,734 |
| Net loans and leases to core deposits | 80.2107% | 4,488 |
| Total domestic deposits to total assets | 76.0976% | 6,633 |
| Equity capital to assets | 15.9425% | 690 |
| Core capital (leverage) ratio | 8.2001% | 6,039 |
| Tier 1 risk-based capital ratio | 13.5289% | 4,182 |
| Total risk-based capital ratio | 14.8114% | 4,101 |
| Memoranda: | ||
| Average total assets | $211,367,250 | 3,021 |
| Average earning assets | $170,684,000 | 3,310 |
| Average equity | $32,524,750 | 2,037 |
| Average total loans | $133,348,750 | 3,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7440% | 1,578 |
| Cost of funding earning assets | 1.7197% | 2,019 |
| Net interest margin | 4.0243% | 2,904 |
| Noninterest income to average assets | 0.3647% | 5,220 |
| Noninterest expense to average assets | 3.6407% | 1,681 |
| Loan and lease loss provision to assets | 0.5157% | 2,737 |
| Net operating income to assets | -0.2645% | 6,431 |
| Return on assets (ROA) | -0.2822% | 6,502 |
| Pretax return on assets | -0.5635% | 6,636 |
| Return on Equity (ROE) | -1.8555% | 6,409 |
| Retained earnings to average equity (ytd only) | -1.8555% | 6,123 |
| Net charge-offs to loans | 1.6674% | 1,130 |
| Credit loss provision to net charge-offs | 48.7589% | 5,449 |
| Earnings coverage of net charge-offs (x) | -0.0230% | 5,739 |
| Efficiency ratio | 93.8294% | 1,074 |
| Assets per employee ($millions) | 3.4077% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5335% | 529 |
| Loan loss allowance to noncurrent loans | 112.1430% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 3.4283% | 2,053 |
| Noncurrent loans to loans | 3.1509% | 2,542 |
| Net loans and leases to total assets | 59.4243% | 5,169 |
| Net loans and leases to deposits | 79.8077% | 3,629 |
| Net loans and leases to core deposits | 81.2083% | 4,527 |
| Total domestic deposits to total assets | 74.4593% | 6,916 |
| Equity capital to assets | 15.1063% | 854 |
| Core capital (leverage) ratio | 7.9840% | 6,290 |
| Tier 1 risk-based capital ratio | 12.6859% | 4,700 |
| Total risk-based capital ratio | 13.9668% | 4,646 |
| Memoranda: | ||
| Average total assets | $213,312,330 | 3,017 |
| Average earning assets | $172,353,000 | 3,301 |
| Average equity | $32,444,000 | 2,034 |
| Average total loans | $135,301,330 | 3,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8911% | 1,218 |
| Cost of funding earning assets | 1.7287% | 2,242 |
| Net interest margin | 4.1624% | 2,182 |
| Noninterest income to average assets | 0.4741% | 4,257 |
| Noninterest expense to average assets | 3.7662% | 1,381 |
| Loan and lease loss provision to assets | 0.0941% | 5,684 |
| Net operating income to assets | 0.0663% | 6,115 |
| Return on assets (ROA) | 0.0696% | 6,212 |
| Pretax return on assets | -0.0339% | 6,396 |
| Return on Equity (ROE) | 0.4561% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.4561% | 5,652 |
| Net charge-offs to loans | 0.8419% | 1,851 |
| Credit loss provision to net charge-offs | 17.3611% | 4,974 |
| Earnings coverage of net charge-offs (x) | 0.0938% | 4,950 |
| Efficiency ratio | 92.1636% | 1,267 |
| Assets per employee ($millions) | 3.4282% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7139% | 465 |
| Loan loss allowance to noncurrent loans | 102.9998% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 3.8411% | 1,810 |
| Noncurrent loans to loans | 3.6058% | 2,207 |
| Net loans and leases to total assets | 60.1748% | 5,094 |
| Net loans and leases to deposits | 80.9660% | 3,470 |
| Net loans and leases to core deposits | 83.3024% | 4,298 |
| Total domestic deposits to total assets | 74.3211% | 7,003 |
| Equity capital to assets | 15.0992% | 859 |
| Core capital (leverage) ratio | 8.3309% | 5,688 |
| Tier 1 risk-based capital ratio | 12.5615% | 4,684 |
| Total risk-based capital ratio | 13.8448% | 4,612 |
| Memoranda: | ||
| Average total assets | $212,626,000 | 3,074 |
| Average earning assets | $170,766,000 | 3,394 |
| Average equity | $32,450,500 | 2,067 |
| Average total loans | $136,828,000 | 3,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3244% | 976 |
| Cost of funding earning assets | 1.9913% | 3,001 |
| Net interest margin | 4.3330% | 1,625 |
| Noninterest income to average assets | 0.6593% | 3,224 |
| Noninterest expense to average assets | 3.8034% | 1,691 |
| Loan and lease loss provision to assets | 3.2565% | 500 |
| Net operating income to assets | -1.8167% | 7,020 |
| Return on assets (ROA) | -1.8237% | 7,015 |
| Pretax return on assets | -2.9036% | 7,265 |
| Return on Equity (ROE) | -11.5247% | 6,736 |
| Retained earnings to average equity (ytd only) | -11.5247% | 6,644 |
| Net charge-offs to loans | 3.9734% | 422 |
| Credit loss provision to net charge-offs | 114.8492% | 4,758 |
| Earnings coverage of net charge-offs (x) | 0.1269% | 6,035 |
| Efficiency ratio | 85.0000% | 2,227 |
| Assets per employee ($millions) | 3.2699% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7865% | 412 |
| Loan loss allowance to noncurrent loans | 109.6242% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 3.6245% | 1,839 |
| Noncurrent loans to loans | 3.4540% | 2,200 |
| Net loans and leases to total assets | 63.7574% | 4,642 |
| Net loans and leases to deposits | 86.7423% | 2,786 |
| Net loans and leases to core deposits | 97.4012% | 4,300 |
| Total domestic deposits to total assets | 73.5021% | 7,087 |
| Equity capital to assets | 15.4296% | 809 |
| Core capital (leverage) ratio | 8.0460% | 6,090 |
| Tier 1 risk-based capital ratio | 11.9371% | 5,000 |
| Total risk-based capital ratio | 13.2212% | 4,921 |
| Memoranda: | ||
| Average total assets | $212,808,000 | 3,032 |
| Average earning assets | $172,096,000 | 3,322 |
| Average equity | $33,675,400 | 1,991 |
| Average total loans | $151,858,800 | 2,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2694% | 1,200 |
| Cost of funding earning assets | 2.0167% | 3,272 |
| Net interest margin | 4.2527% | 1,863 |
| Noninterest income to average assets | 0.6857% | 3,116 |
| Noninterest expense to average assets | 3.7542% | 1,697 |
| Loan and lease loss provision to assets | 2.9113% | 522 |
| Net operating income to assets | -1.5767% | 7,147 |
| Return on assets (ROA) | -1.5817% | 7,147 |
| Pretax return on assets | -2.5351% | 7,357 |
| Return on Equity (ROE) | -9.9346% | 6,888 |
| Retained earnings to average equity (ytd only) | -9.9346% | 6,798 |
| Net charge-offs to loans | 3.9323% | 367 |
| Credit loss provision to net charge-offs | 101.9668% | 4,993 |
| Earnings coverage of net charge-offs (x) | 0.1335% | 5,896 |
| Efficiency ratio | 84.2939% | 2,263 |
| Assets per employee ($millions) | 3.2183% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0560% | 644 |
| Loan loss allowance to noncurrent loans | 64.9949% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 4.0494% | 1,572 |
| Noncurrent loans to loans | 4.7019% | 1,459 |
| Net loans and leases to total assets | 67.4059% | 4,090 |
| Net loans and leases to deposits | 96.9593% | 1,448 |
| Net loans and leases to core deposits | 108.9177% | 3,351 |
| Total domestic deposits to total assets | 69.5197% | 7,453 |
| Equity capital to assets | 16.0643% | 781 |
| Core capital (leverage) ratio | 8.6232% | 5,275 |
| Tier 1 risk-based capital ratio | 12.7040% | 4,390 |
| Total risk-based capital ratio | 13.9803% | 4,319 |
| Memoranda: | ||
| Average total assets | $213,691,750 | 3,040 |
| Average earning assets | $173,346,000 | 3,330 |
| Average equity | $34,021,750 | 2,000 |
| Average total loans | $155,154,000 | 2,867 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3207% | 1,156 |
| Cost of funding earning assets | 2.0442% | 3,549 |
| Net interest margin | 4.2766% | 1,720 |
| Noninterest income to average assets | 0.6339% | 3,448 |
| Noninterest expense to average assets | 3.7334% | 1,772 |
| Loan and lease loss provision to assets | 3.0075% | 502 |
| Net operating income to assets | -1.6497% | 7,310 |
| Return on assets (ROA) | -1.6525% | 7,306 |
| Pretax return on assets | -2.6469% | 7,460 |
| Return on Equity (ROE) | -10.4096% | 7,067 |
| Retained earnings to average equity (ytd only) | -10.4096% | 6,916 |
| Net charge-offs to loans | 3.7705% | 391 |
| Credit loss provision to net charge-offs | 108.3724% | 4,269 |
| Earnings coverage of net charge-offs (x) | 0.1309% | 5,539 |
| Efficiency ratio | 84.3693% | 2,435 |
| Assets per employee ($millions) | 3.3694% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0379% | 553 |
| Loan loss allowance to noncurrent loans | 70.1875% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 3.8107% | 1,591 |
| Noncurrent loans to loans | 4.3282% | 1,504 |
| Net loans and leases to total assets | 69.2418% | 3,895 |
| Net loans and leases to deposits | 100.1752% | 1,271 |
| Net loans and leases to core deposits | 112.0675% | 3,130 |
| Total domestic deposits to total assets | 69.1208% | 7,546 |
| Equity capital to assets | 16.1152% | 803 |
| Core capital (leverage) ratio | 8.8800% | 4,818 |
| Tier 1 risk-based capital ratio | 12.6258% | 4,421 |
| Total risk-based capital ratio | 13.9012% | 4,315 |
| Memoranda: | ||
| Average total assets | $215,192,000 | 3,038 |
| Average earning assets | $174,252,330 | 3,341 |
| Average equity | $34,160,670 | 1,983 |
| Average total loans | $158,388,000 | 2,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4500% | 957 |
| Cost of funding earning assets | 2.0930% | 3,690 |
| Net interest margin | 4.3570% | 1,451 |
| Noninterest income to average assets | 0.5188% | 4,144 |
| Noninterest expense to average assets | 3.6353% | 1,780 |
| Loan and lease loss provision to assets | 0.5539% | 2,262 |
| Net operating income to assets | -0.0018% | 6,260 |
| Return on assets (ROA) | -0.0203% | 6,419 |
| Pretax return on assets | -0.1606% | 6,531 |
| Return on Equity (ROE) | -0.1289% | 6,421 |
| Retained earnings to average equity (ytd only) | -0.1289% | 5,674 |
| Net charge-offs to loans | 3.1696% | 402 |
| Credit loss provision to net charge-offs | 23.4009% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.1739% | 4,843 |
| Efficiency ratio | 83.0292% | 2,405 |
| Assets per employee ($millions) | 3.3178% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,198 |
| Loan loss allowance to noncurrent loans | 43.6070% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.2373% | 1,179 |
| Noncurrent loans to loans | 4.8551% | 1,131 |
| Net loans and leases to total assets | 72.3107% | 3,172 |
| Net loans and leases to deposits | 108.1196% | 717 |
| Net loans and leases to core deposits | 120.2466% | 2,398 |
| Total domestic deposits to total assets | 66.8803% | 7,675 |
| Equity capital to assets | 16.1887% | 840 |
| Core capital (leverage) ratio | 8.9711% | 4,759 |
| Tier 1 risk-based capital ratio | 12.4552% | 4,571 |
| Total risk-based capital ratio | 13.7181% | 4,488 |
| Memoranda: | ||
| Average total assets | $216,652,000 | 3,038 |
| Average earning assets | $175,442,500 | 3,348 |
| Average equity | $34,137,000 | 1,991 |
| Average total loans | $161,789,000 | 2,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 1,439 |
| Cost of funding earning assets | 2.5346% | 4,025 |
| Net interest margin | 4.3516% | 1,820 |
| Noninterest income to average assets | 0.4196% | 5,303 |
| Noninterest expense to average assets | 3.6554% | 2,033 |
| Loan and lease loss provision to assets | 2.2981% | 487 |
| Net operating income to assets | -1.2275% | 7,355 |
| Return on assets (ROA) | -1.2007% | 7,287 |
| Pretax return on assets | -1.9551% | 7,429 |
| Return on Equity (ROE) | -7.9761% | 7,124 |
| Retained earnings to average equity (ytd only) | -10.8977% | 7,155 |
| Net charge-offs to loans | 1.8141% | 605 |
| Credit loss provision to net charge-offs | 168.9845% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.2215% | 6,102 |
| Efficiency ratio | 85.3935% | 1,912 |
| Assets per employee ($millions) | 2.9815% | 6,098 |
| Cash dividends to net income (ytd only)* | -36.6300% | 8,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6513% | 585 |
| Loan loss allowance to noncurrent loans | 49.6863% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 4.8822% | 722 |
| Noncurrent loans to loans | 5.3360% | 789 |
| Net loans and leases to total assets | 73.4708% | 3,240 |
| Net loans and leases to deposits | 110.1758% | 820 |
| Net loans and leases to core deposits | 124.4006% | 2,291 |
| Total domestic deposits to total assets | 66.6850% | 7,602 |
| Equity capital to assets | 15.3285% | 1,081 |
| Core capital (leverage) ratio | 8.1102% | 6,308 |
| Tier 1 risk-based capital ratio | 11.0944% | 5,647 |
| Total risk-based capital ratio | 12.3655% | 5,509 |
| Memoranda: | ||
| Average total assets | $227,359,800 | 2,802 |
| Average earning assets | $184,804,200 | 3,118 |
| Average equity | $34,227,400 | 1,983 |
| Average total loans | $170,444,200 | 2,608 |