Home > Florida Bank > Performance and Condition Ratios
Florida Bank, 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 | 3.8000% | 4,494 |
| Cost of funding earning assets | 0.5768% | 1,987 |
| Net interest margin | 3.2232% | 4,849 |
| Noninterest income to average assets | 0.3704% | 4,425 |
| Noninterest expense to average assets | 3.0686% | 2,628 |
| Loan and lease loss provision to assets | -0.5454% | 6,454 |
| Net operating income to assets | 7.6291% | 25 |
| Return on assets (ROA) | 7.6291% | 25 |
| Pretax return on assets | 0.8094% | 4,223 |
| Return on Equity (ROE) | 65.6626% | 10 |
| Retained earnings to average equity (ytd only) | 65.6626% | 3 |
| Net charge-offs to loans | -0.3734% | 6,361 |
| Credit loss provision to net charge-offs | 238.1224% | 1,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0781% | 697 |
| Assets per employee ($millions) | 5.2813% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 905 |
| Loan loss allowance to noncurrent loans | 447.0434% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 4,629 |
| Noncurrent loans to loans | 0.4765% | 4,229 |
| Net loans and leases to total assets | 55.3174% | 4,404 |
| Net loans and leases to deposits | 76.4094% | 3,154 |
| Net loans and leases to core deposits | 80.4043% | 3,247 |
| Total domestic deposits to total assets | 72.3961% | 6,057 |
| Equity capital to assets | 16.6165% | 466 |
| Core capital (leverage) ratio | 11.8213% | 1,751 |
| Tier 1 risk-based capital ratio | 18.3782% | 2,024 |
| Total risk-based capital ratio | 19.6389% | 1,989 |
| Memoranda: | ||
| Average total assets | $534,832,600 | 1,253 |
| Average earning assets | $491,532,200 | 1,248 |
| Average equity | $62,140,400 | 1,174 |
| Average total loans | $328,086,800 | 1,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,388 |
| Cost of funding earning assets | 0.5863% | 1,957 |
| Net interest margin | 3.2592% | 4,763 |
| Noninterest income to average assets | 0.3866% | 4,342 |
| Noninterest expense to average assets | 3.1927% | 2,198 |
| Loan and lease loss provision to assets | -0.5786% | 6,546 |
| Net operating income to assets | 0.9771% | 2,556 |
| Return on assets (ROA) | 0.9771% | 2,627 |
| Pretax return on assets | 0.8074% | 4,337 |
| Return on Equity (ROE) | 9.5052% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.5052% | 837 |
| Net charge-offs to loans | -0.4126% | 6,432 |
| Credit loss provision to net charge-offs | 223.8748% | 1,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3117% | 629 |
| Assets per employee ($millions) | 4.7102% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 901 |
| Loan loss allowance to noncurrent loans | 565.7277% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 4,705 |
| Noncurrent loans to loans | 0.3945% | 4,726 |
| Net loans and leases to total assets | 61.1265% | 3,611 |
| Net loans and leases to deposits | 79.3286% | 2,798 |
| Net loans and leases to core deposits | 83.7383% | 2,912 |
| Total domestic deposits to total assets | 77.0548% | 5,665 |
| Equity capital to assets | 10.9194% | 3,047 |
| Core capital (leverage) ratio | 10.8387% | 2,651 |
| Tier 1 risk-based capital ratio | 17.3853% | 2,436 |
| Total risk-based capital ratio | 18.6471% | 2,394 |
| Memoranda: | ||
| Average total assets | $527,265,250 | 1,280 |
| Average earning assets | $490,992,750 | 1,264 |
| Average equity | $54,200,500 | 1,353 |
| Average total loans | $330,257,500 | 1,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 4,328 |
| Cost of funding earning assets | 0.5894% | 1,983 |
| Net interest margin | 3.2625% | 4,727 |
| Noninterest income to average assets | 0.3956% | 4,273 |
| Noninterest expense to average assets | 3.2339% | 2,090 |
| Loan and lease loss provision to assets | -0.4650% | 6,579 |
| Net operating income to assets | 0.9790% | 2,415 |
| Return on assets (ROA) | 0.9790% | 2,491 |
| Pretax return on assets | 0.6660% | 4,747 |
| Return on Equity (ROE) | 9.7213% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.7213% | 785 |
| Net charge-offs to loans | -0.4652% | 6,505 |
| Credit loss provision to net charge-offs | 159.5084% | 1,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1480% | 631 |
| Assets per employee ($millions) | 4.7172% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4453% | 771 |
| Loan loss allowance to noncurrent loans | 436.2649% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 4,332 |
| Noncurrent loans to loans | 0.5605% | 4,339 |
| Net loans and leases to total assets | 61.2290% | 3,535 |
| Net loans and leases to deposits | 79.0084% | 2,655 |
| Net loans and leases to core deposits | 83.7440% | 2,767 |
| Total domestic deposits to total assets | 77.4968% | 5,722 |
| Equity capital to assets | 10.6005% | 3,310 |
| Core capital (leverage) ratio | 10.5095% | 2,937 |
| Tier 1 risk-based capital ratio | 16.7492% | 2,729 |
| Total risk-based capital ratio | 18.0137% | 2,691 |
| Memoranda: | ||
| Average total assets | $530,313,000 | 1,267 |
| Average earning assets | $494,039,330 | 1,253 |
| Average equity | $53,408,670 | 1,366 |
| Average total loans | $332,363,330 | 1,313 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 4,127 |
| Cost of funding earning assets | 0.5953% | 2,014 |
| Net interest margin | 3.2934% | 4,568 |
| Noninterest income to average assets | 0.4257% | 3,980 |
| Noninterest expense to average assets | 3.5116% | 1,464 |
| Loan and lease loss provision to assets | -0.4617% | 6,656 |
| Net operating income to assets | 0.8057% | 3,126 |
| Return on assets (ROA) | 0.8057% | 3,203 |
| Pretax return on assets | 0.4527% | 5,302 |
| Return on Equity (ROE) | 8.2123% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.2123% | 1,531 |
| Net charge-offs to loans | -0.4308% | 6,530 |
| Credit loss provision to net charge-offs | 171.1111% | 1,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2568% | 460 |
| Assets per employee ($millions) | 4.8267% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 817 |
| Loan loss allowance to noncurrent loans | 283.8443% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 3,809 |
| Noncurrent loans to loans | 0.8761% | 3,700 |
| Net loans and leases to total assets | 60.8603% | 3,420 |
| Net loans and leases to deposits | 77.8267% | 2,583 |
| Net loans and leases to core deposits | 82.4279% | 2,695 |
| Total domestic deposits to total assets | 78.1997% | 5,799 |
| Equity capital to assets | 10.0448% | 3,794 |
| Core capital (leverage) ratio | 10.0715% | 3,467 |
| Tier 1 risk-based capital ratio | 16.3023% | 3,008 |
| Total risk-based capital ratio | 17.5677% | 2,964 |
| Memoranda: | ||
| Average total assets | $533,667,000 | 1,269 |
| Average earning assets | $498,574,500 | 1,243 |
| Average equity | $52,360,500 | 1,382 |
| Average total loans | $334,228,000 | 1,316 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 4,751 |
| Cost of funding earning assets | 0.6590% | 2,136 |
| Net interest margin | 3.1583% | 5,132 |
| Noninterest income to average assets | -0.0675% | 6,710 |
| Noninterest expense to average assets | 3.2413% | 2,306 |
| Loan and lease loss provision to assets | 0.3133% | 1,061 |
| Net operating income to assets | -0.9128% | 6,592 |
| Return on assets (ROA) | -0.9128% | 6,594 |
| Pretax return on assets | -0.6974% | 6,537 |
| Return on Equity (ROE) | -11.8240% | 6,606 |
| Retained earnings to average equity (ytd only) | -11.8240% | 6,568 |
| Net charge-offs to loans | 1.3220% | 380 |
| Credit loss provision to net charge-offs | 37.4841% | 4,090 |
| Earnings coverage of net charge-offs (x) | -0.4597% | 5,189 |
| Efficiency ratio | 113.4463% | 231 |
| Assets per employee ($millions) | 4.5458% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 813 |
| Loan loss allowance to noncurrent loans | 209.2096% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 2,753 |
| Noncurrent loans to loans | 1.2047% | 3,135 |
| Net loans and leases to total assets | 61.2588% | 3,490 |
| Net loans and leases to deposits | 79.2345% | 2,559 |
| Net loans and leases to core deposits | 84.4332% | 2,631 |
| Total domestic deposits to total assets | 77.3132% | 5,931 |
| Equity capital to assets | 9.5805% | 4,313 |
| Core capital (leverage) ratio | 9.6389% | 4,067 |
| Tier 1 risk-based capital ratio | 15.6238% | 3,291 |
| Total risk-based capital ratio | 16.8893% | 3,242 |
| Memoranda: | ||
| Average total assets | $564,058,600 | 1,172 |
| Average earning assets | $522,338,000 | 1,160 |
| Average equity | $43,547,200 | 1,609 |
| Average total loans | $356,589,200 | 1,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,980 |
| Cost of funding earning assets | 0.6765% | 2,126 |
| Net interest margin | 3.0895% | 5,347 |
| Noninterest income to average assets | -0.1459% | 6,820 |
| Noninterest expense to average assets | 3.2468% | 2,213 |
| Loan and lease loss provision to assets | 0.7872% | 251 |
| Net operating income to assets | -1.4903% | 6,760 |
| Return on assets (ROA) | -1.4903% | 6,764 |
| Pretax return on assets | -1.3250% | 6,738 |
| Return on Equity (ROE) | -20.4613% | 6,776 |
| Retained earnings to average equity (ytd only) | -20.4613% | 6,761 |
| Net charge-offs to loans | 1.7561% | 239 |
| Credit loss provision to net charge-offs | 70.8045% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.4837% | 4,952 |
| Efficiency ratio | 119.8517% | 173 |
| Assets per employee ($millions) | 4.6921% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9953% | 554 |
| Loan loss allowance to noncurrent loans | 141.6913% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 1,724 |
| Noncurrent loans to loans | 2.1140% | 2,113 |
| Net loans and leases to total assets | 59.8159% | 3,724 |
| Net loans and leases to deposits | 76.9935% | 2,820 |
| Net loans and leases to core deposits | 81.7050% | 2,904 |
| Total domestic deposits to total assets | 77.6895% | 5,949 |
| Equity capital to assets | 9.3644% | 4,726 |
| Core capital (leverage) ratio | 9.2599% | 4,735 |
| Tier 1 risk-based capital ratio | 15.2931% | 3,571 |
| Total risk-based capital ratio | 16.5644% | 3,515 |
| Memoranda: | ||
| Average total assets | $570,973,250 | 1,175 |
| Average earning assets | $527,629,500 | 1,160 |
| Average equity | $41,586,500 | 1,697 |
| Average total loans | $361,464,500 | 1,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,947 |
| Cost of funding earning assets | 0.6996% | 2,063 |
| Net interest margin | 3.0644% | 5,382 |
| Noninterest income to average assets | 0.1697% | 6,196 |
| Noninterest expense to average assets | 3.2676% | 2,168 |
| Loan and lease loss provision to assets | 0.6157% | 408 |
| Net operating income to assets | -1.1513% | 6,776 |
| Return on assets (ROA) | -1.1513% | 6,779 |
| Pretax return on assets | -0.8854% | 6,717 |
| Return on Equity (ROE) | -17.3587% | 6,811 |
| Retained earnings to average equity (ytd only) | -17.3587% | 6,780 |
| Net charge-offs to loans | 1.7899% | 264 |
| Credit loss provision to net charge-offs | 53.8949% | 3,143 |
| Earnings coverage of net charge-offs (x) | -0.2361% | 4,626 |
| Efficiency ratio | 108.9968% | 294 |
| Assets per employee ($millions) | 4.6550% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8495% | 674 |
| Loan loss allowance to noncurrent loans | 107.3857% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 3.2862% | 1,198 |
| Noncurrent loans to loans | 2.6535% | 1,724 |
| Net loans and leases to total assets | 60.5209% | 3,574 |
| Net loans and leases to deposits | 74.7633% | 3,047 |
| Net loans and leases to core deposits | 79.4068% | 3,105 |
| Total domestic deposits to total assets | 80.9500% | 5,351 |
| Equity capital to assets | 6.4283% | 6,700 |
| Core capital (leverage) ratio | 6.3722% | 6,714 |
| Tier 1 risk-based capital ratio | 10.3387% | 6,558 |
| Total risk-based capital ratio | 11.6081% | 6,524 |
| Memoranda: | ||
| Average total assets | $579,868,670 | 1,157 |
| Average earning assets | $535,186,000 | 1,142 |
| Average equity | $38,459,000 | 1,824 |
| Average total loans | $370,078,330 | 1,147 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 4,801 |
| Cost of funding earning assets | 0.7480% | 1,867 |
| Net interest margin | 3.0603% | 5,397 |
| Noninterest income to average assets | 0.4898% | 3,846 |
| Noninterest expense to average assets | 3.2691% | 2,164 |
| Loan and lease loss provision to assets | 1.0439% | 167 |
| Net operating income to assets | -1.0262% | 6,814 |
| Return on assets (ROA) | -1.0262% | 6,824 |
| Pretax return on assets | -0.9992% | 6,804 |
| Return on Equity (ROE) | -15.2514% | 6,869 |
| Retained earnings to average equity (ytd only) | -15.2514% | 6,749 |
| Net charge-offs to loans | 2.1159% | 213 |
| Credit loss provision to net charge-offs | 76.4385% | 2,208 |
| Earnings coverage of net charge-offs (x) | 0.0327% | 3,818 |
| Efficiency ratio | 98.6509% | 605 |
| Assets per employee ($millions) | 4.7170% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9631% | 684 |
| Loan loss allowance to noncurrent loans | 79.5821% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 4.0786% | 965 |
| Noncurrent loans to loans | 3.7234% | 1,259 |
| Net loans and leases to total assets | 62.9303% | 2,897 |
| Net loans and leases to deposits | 77.8573% | 2,357 |
| Net loans and leases to core deposits | 82.7220% | 2,479 |
| Total domestic deposits to total assets | 80.8277% | 5,542 |
| Equity capital to assets | 6.8230% | 6,744 |
| Core capital (leverage) ratio | 6.5710% | 6,734 |
| Tier 1 risk-based capital ratio | 10.2290% | 6,654 |
| Total risk-based capital ratio | 11.5008% | 6,638 |
| Memoranda: | ||
| Average total assets | $590,500,500 | 1,149 |
| Average earning assets | $544,922,500 | 1,135 |
| Average equity | $39,734,000 | 1,793 |
| Average total loans | $381,123,000 | 1,120 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 4,941 |
| Cost of funding earning assets | 1.2269% | 508 |
| Net interest margin | 2.8750% | 6,270 |
| Noninterest income to average assets | 0.0226% | 6,774 |
| Noninterest expense to average assets | 3.0224% | 3,191 |
| Loan and lease loss provision to assets | 0.6693% | 791 |
| Net operating income to assets | -1.0565% | 6,763 |
| Return on assets (ROA) | -0.8700% | 6,724 |
| Pretax return on assets | -0.8218% | 6,681 |
| Return on Equity (ROE) | -13.0944% | 6,794 |
| Retained earnings to average equity (ytd only) | -13.0944% | 6,734 |
| Net charge-offs to loans | 2.8609% | 190 |
| Credit loss provision to net charge-offs | 35.7629% | 5,009 |
| Earnings coverage of net charge-offs (x) | -0.1811% | 5,564 |
| Efficiency ratio | 112.6306% | 294 |
| Assets per employee ($millions) | 5.0020% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9184% | 721 |
| Loan loss allowance to noncurrent loans | 68.2065% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 4.7148% | 856 |
| Noncurrent loans to loans | 4.2788% | 1,035 |
| Net loans and leases to total assets | 62.3777% | 3,196 |
| Net loans and leases to deposits | 76.2379% | 2,768 |
| Net loans and leases to core deposits | 82.0841% | 2,759 |
| Total domestic deposits to total assets | 81.8197% | 5,157 |
| Equity capital to assets | 6.6408% | 6,826 |
| Core capital (leverage) ratio | 6.4823% | 6,797 |
| Tier 1 risk-based capital ratio | 9.9179% | 6,722 |
| Total risk-based capital ratio | 11.1889% | 6,683 |
| Memoranda: | ||
| Average total assets | $667,090,800 | 989 |
| Average earning assets | $617,400,800 | 975 |
| Average equity | $44,324,200 | 1,574 |
| Average total loans | $436,396,000 | 957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 4,938 |
| Cost of funding earning assets | 1.2931% | 449 |
| Net interest margin | 2.8715% | 6,405 |
| Noninterest income to average assets | 0.1288% | 6,491 |
| Noninterest expense to average assets | 3.0006% | 3,232 |
| Loan and lease loss provision to assets | 0.5863% | 960 |
| Net operating income to assets | -0.8251% | 6,815 |
| Return on assets (ROA) | -0.5816% | 6,759 |
| Pretax return on assets | -0.5548% | 6,726 |
| Return on Equity (ROE) | -8.7524% | 6,833 |
| Retained earnings to average equity (ytd only) | -8.7524% | 6,776 |
| Net charge-offs to loans | 2.9120% | 189 |
| Credit loss provision to net charge-offs | 30.6559% | 4,791 |
| Earnings coverage of net charge-offs (x) | -0.1108% | 5,380 |
| Efficiency ratio | 107.6000% | 347 |
| Assets per employee ($millions) | 5.1331% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0804% | 665 |
| Loan loss allowance to noncurrent loans | 50.2336% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 5.6566% | 740 |
| Noncurrent loans to loans | 6.1321% | 654 |
| Net loans and leases to total assets | 62.7087% | 3,258 |
| Net loans and leases to deposits | 76.4673% | 2,914 |
| Net loans and leases to core deposits | 83.5539% | 2,749 |
| Total domestic deposits to total assets | 82.0072% | 5,021 |
| Equity capital to assets | 6.8596% | 6,904 |
| Core capital (leverage) ratio | 6.6456% | 6,857 |
| Tier 1 risk-based capital ratio | 10.2006% | 6,750 |
| Total risk-based capital ratio | 11.4742% | 6,725 |
| Memoranda: | ||
| Average total assets | $681,302,500 | 970 |
| Average earning assets | $631,111,500 | 962 |
| Average equity | $45,274,000 | 1,548 |
| Average total loans | $447,470,250 | 926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 4,981 |
| Cost of funding earning assets | 1.3726% | 389 |
| Net interest margin | 2.8192% | 6,544 |
| Noninterest income to average assets | 0.1192% | 6,589 |
| Noninterest expense to average assets | 2.9938% | 3,278 |
| Loan and lease loss provision to assets | 0.5774% | 1,050 |
| Net operating income to assets | -0.9388% | 6,891 |
| Return on assets (ROA) | -0.5814% | 6,800 |
| Pretax return on assets | -0.4797% | 6,738 |
| Return on Equity (ROE) | -8.8362% | 6,881 |
| Retained earnings to average equity (ytd only) | -8.8362% | 6,801 |
| Net charge-offs to loans | 2.4369% | 296 |
| Credit loss provision to net charge-offs | 35.9121% | 4,343 |
| Earnings coverage of net charge-offs (x) | -0.1615% | 5,151 |
| Efficiency ratio | 109.4978% | 336 |
| Assets per employee ($millions) | 5.4893% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6256% | 452 |
| Loan loss allowance to noncurrent loans | 48.6352% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 6.3155% | 658 |
| Noncurrent loans to loans | 7.4548% | 497 |
| Net loans and leases to total assets | 63.5354% | 3,138 |
| Net loans and leases to deposits | 76.8316% | 2,865 |
| Net loans and leases to core deposits | 84.8879% | 2,577 |
| Total domestic deposits to total assets | 82.6945% | 4,879 |
| Equity capital to assets | 6.6623% | 6,961 |
| Core capital (leverage) ratio | 6.4065% | 6,946 |
| Tier 1 risk-based capital ratio | 9.9020% | 6,848 |
| Total risk-based capital ratio | 11.1823% | 6,828 |
| Memoranda: | ||
| Average total assets | $696,233,330 | 950 |
| Average earning assets | $645,792,000 | 936 |
| Average equity | $45,811,330 | 1,522 |
| Average total loans | $459,349,330 | 894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1671% | 5,224 |
| Cost of funding earning assets | 1.4370% | 369 |
| Net interest margin | 2.7301% | 6,739 |
| Noninterest income to average assets | 0.1404% | 6,538 |
| Noninterest expense to average assets | 2.9911% | 3,283 |
| Loan and lease loss provision to assets | -0.0747% | 7,168 |
| Net operating income to assets | -0.2497% | 6,674 |
| Return on assets (ROA) | -0.0017% | 6,533 |
| Pretax return on assets | 0.1466% | 6,302 |
| Return on Equity (ROE) | -0.0258% | 6,534 |
| Retained earnings to average equity (ytd only) | -0.0258% | 5,989 |
| Net charge-offs to loans | 1.2542% | 806 |
| Credit loss provision to net charge-offs | -9.0231% | 5,350 |
| Earnings coverage of net charge-offs (x) | -0.3813% | 4,483 |
| Efficiency ratio | 111.7968% | 314 |
| Assets per employee ($millions) | 5.6072% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8794% | 408 |
| Loan loss allowance to noncurrent loans | 44.4036% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 6.8262% | 637 |
| Noncurrent loans to loans | 8.7366% | 406 |
| Net loans and leases to total assets | 63.6318% | 2,918 |
| Net loans and leases to deposits | 76.5309% | 2,722 |
| Net loans and leases to core deposits | 85.0698% | 2,398 |
| Total domestic deposits to total assets | 83.1452% | 4,867 |
| Equity capital to assets | 6.6765% | 6,983 |
| Core capital (leverage) ratio | 6.3906% | 6,985 |
| Tier 1 risk-based capital ratio | 9.9643% | 6,888 |
| Total risk-based capital ratio | 11.2475% | 6,876 |
| Memoranda: | ||
| Average total assets | $712,248,000 | 936 |
| Average earning assets | $661,378,000 | 922 |
| Average equity | $46,591,500 | 1,493 |
| Average total loans | $470,083,500 | 876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 5,097 |
| Cost of funding earning assets | 1.6590% | 379 |
| Net interest margin | 2.8344% | 6,781 |
| Noninterest income to average assets | -0.0787% | 7,089 |
| Noninterest expense to average assets | 2.8126% | 4,301 |
| Loan and lease loss provision to assets | 2.0401% | 286 |
| Net operating income to assets | -2.1933% | 7,056 |
| Return on assets (ROA) | -2.1829% | 7,072 |
| Pretax return on assets | -2.2743% | 7,080 |
| Return on Equity (ROE) | -35.4060% | 7,134 |
| Retained earnings to average equity (ytd only) | -35.4060% | 7,126 |
| Net charge-offs to loans | 3.2055% | 274 |
| Credit loss provision to net charge-offs | 92.1115% | 3,917 |
| Earnings coverage of net charge-offs (x) | -0.1106% | 5,898 |
| Efficiency ratio | 109.5425% | 444 |
| Assets per employee ($millions) | 5.2461% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0558% | 370 |
| Loan loss allowance to noncurrent loans | 48.6879% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 6.4104% | 740 |
| Noncurrent loans to loans | 8.3301% | 464 |
| Net loans and leases to total assets | 63.1403% | 3,372 |
| Net loans and leases to deposits | 75.2838% | 3,298 |
| Net loans and leases to core deposits | 85.4461% | 2,707 |
| Total domestic deposits to total assets | 83.8697% | 4,372 |
| Equity capital to assets | 6.4127% | 7,052 |
| Core capital (leverage) ratio | 6.2064% | 7,028 |
| Tier 1 risk-based capital ratio | 9.5629% | 6,949 |
| Total risk-based capital ratio | 10.8476% | 6,938 |
| Memoranda: | ||
| Average total assets | $782,407,200 | 842 |
| Average earning assets | $730,494,000 | 815 |
| Average equity | $48,237,600 | 1,414 |
| Average total loans | $540,609,800 | 778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 5,167 |
| Cost of funding earning assets | 1.6848% | 421 |
| Net interest margin | 2.8448% | 6,835 |
| Noninterest income to average assets | -0.1086% | 7,214 |
| Noninterest expense to average assets | 2.8011% | 4,338 |
| Loan and lease loss provision to assets | 2.6225% | 158 |
| Net operating income to assets | -2.8735% | 7,253 |
| Return on assets (ROA) | -2.8593% | 7,261 |
| Pretax return on assets | -2.8593% | 7,255 |
| Return on Equity (ROE) | -46.8074% | 7,280 |
| Retained earnings to average equity (ytd only) | -46.8074% | 7,274 |
| Net charge-offs to loans | 3.3940% | 243 |
| Credit loss provision to net charge-offs | 110.6234% | 2,982 |
| Earnings coverage of net charge-offs (x) | -0.1059% | 5,668 |
| Efficiency ratio | 109.8430% | 430 |
| Assets per employee ($millions) | 5.5949% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3572% | 297 |
| Loan loss allowance to noncurrent loans | 46.0968% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 7.2527% | 663 |
| Noncurrent loans to loans | 9.4522% | 393 |
| Net loans and leases to total assets | 65.8801% | 2,929 |
| Net loans and leases to deposits | 78.3965% | 2,903 |
| Net loans and leases to core deposits | 89.5455% | 2,306 |
| Total domestic deposits to total assets | 84.0344% | 4,213 |
| Equity capital to assets | 6.4009% | 7,144 |
| Core capital (leverage) ratio | 5.9721% | 7,145 |
| Tier 1 risk-based capital ratio | 9.0362% | 7,109 |
| Total risk-based capital ratio | 10.3254% | 7,102 |
| Memoranda: | ||
| Average total assets | $795,707,750 | 831 |
| Average earning assets | $743,664,500 | 805 |
| Average equity | $48,606,500 | 1,406 |
| Average total loans | $555,791,000 | 763 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 5,301 |
| Cost of funding earning assets | 1.7068% | 455 |
| Net interest margin | 2.8107% | 6,913 |
| Noninterest income to average assets | 0.1400% | 6,623 |
| Noninterest expense to average assets | 2.7922% | 4,454 |
| Loan and lease loss provision to assets | 3.3199% | 127 |
| Net operating income to assets | -3.3436% | 7,345 |
| Return on assets (ROA) | -3.3330% | 7,353 |
| Pretax return on assets | -3.3330% | 7,344 |
| Return on Equity (ROE) | -55.3707% | 7,358 |
| Retained earnings to average equity (ytd only) | -55.3707% | 7,355 |
| Net charge-offs to loans | 4.5335% | 159 |
| Credit loss provision to net charge-offs | 104.4023% | 2,960 |
| Earnings coverage of net charge-offs (x) | -0.0074% | 5,290 |
| Efficiency ratio | 100.8531% | 696 |
| Assets per employee ($millions) | 5.7564% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9364% | 434 |
| Loan loss allowance to noncurrent loans | 40.8206% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 7.5190% | 638 |
| Noncurrent loans to loans | 9.6431% | 410 |
| Net loans and leases to total assets | 66.7055% | 2,888 |
| Net loans and leases to deposits | 78.6354% | 3,014 |
| Net loans and leases to core deposits | 90.0661% | 2,366 |
| Total domestic deposits to total assets | 84.8289% | 3,952 |
| Equity capital to assets | 6.0816% | 7,232 |
| Core capital (leverage) ratio | 5.9008% | 7,212 |
| Tier 1 risk-based capital ratio | 9.0235% | 7,175 |
| Total risk-based capital ratio | 10.3076% | 7,172 |
| Memoranda: | ||
| Average total assets | $812,904,000 | 824 |
| Average earning assets | $760,237,000 | 796 |
| Average equity | $48,932,000 | 1,382 |
| Average total loans | $570,201,670 | 757 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 5,322 |
| Cost of funding earning assets | 1.7017% | 547 |
| Net interest margin | 2.8033% | 6,901 |
| Noninterest income to average assets | 0.0807% | 6,992 |
| Noninterest expense to average assets | 2.8008% | 4,438 |
| Loan and lease loss provision to assets | 3.7463% | 114 |
| Net operating income to assets | -3.8439% | 7,441 |
| Return on assets (ROA) | -3.8439% | 7,445 |
| Pretax return on assets | -3.8439% | 7,430 |
| Return on Equity (ROE) | -64.1710% | 7,454 |
| Retained earnings to average equity (ytd only) | -64.1710% | 7,445 |
| Net charge-offs to loans | 4.9961% | 150 |
| Credit loss provision to net charge-offs | 106.3941% | 2,509 |
| Earnings coverage of net charge-offs (x) | -0.0277% | 4,601 |
| Efficiency ratio | 103.6104% | 637 |
| Assets per employee ($millions) | 5.9179% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7094% | 526 |
| Loan loss allowance to noncurrent loans | 36.5346% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 7.9451% | 601 |
| Noncurrent loans to loans | 10.1531% | 392 |
| Net loans and leases to total assets | 67.6907% | 2,618 |
| Net loans and leases to deposits | 80.1898% | 2,686 |
| Net loans and leases to core deposits | 93.5905% | 1,943 |
| Total domestic deposits to total assets | 84.4132% | 4,320 |
| Equity capital to assets | 5.6296% | 7,328 |
| Core capital (leverage) ratio | 5.9761% | 7,256 |
| Tier 1 risk-based capital ratio | 8.7057% | 7,244 |
| Total risk-based capital ratio | 9.9868% | 7,249 |
| Memoranda: | ||
| Average total assets | $827,918,500 | 811 |
| Average earning assets | $774,520,000 | 785 |
| Average equity | $49,592,500 | 1,346 |
| Average total loans | $583,492,500 | 743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 4,716 |
| Cost of funding earning assets | 2.0696% | 471 |
| Net interest margin | 2.8965% | 6,898 |
| Noninterest income to average assets | 0.0542% | 7,084 |
| Noninterest expense to average assets | 2.9061% | 4,202 |
| Loan and lease loss provision to assets | 2.9930% | 320 |
| Net operating income to assets | -5.4842% | 7,566 |
| Return on assets (ROA) | -5.0983% | 7,547 |
| Pretax return on assets | -2.8002% | 7,245 |
| Return on Equity (ROE) | -52.5842% | 7,435 |
| Retained earnings to average equity (ytd only) | -52.5842% | 7,432 |
| Net charge-offs to loans | 4.0183% | 312 |
| Credit loss provision to net charge-offs | 100.3731% | 4,536 |
| Earnings coverage of net charge-offs (x) | -0.0647% | 6,186 |
| Efficiency ratio | 107.1158% | 599 |
| Assets per employee ($millions) | 5.5944% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5134% | 595 |
| Loan loss allowance to noncurrent loans | 36.5093% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 7.6352% | 673 |
| Noncurrent loans to loans | 9.6233% | 450 |
| Net loans and leases to total assets | 68.1687% | 2,945 |
| Net loans and leases to deposits | 80.0734% | 3,162 |
| Net loans and leases to core deposits | 94.6980% | 2,174 |
| Total domestic deposits to total assets | 85.1328% | 3,782 |
| Equity capital to assets | 6.3407% | 7,286 |
| Core capital (leverage) ratio | 6.4773% | 7,195 |
| Tier 1 risk-based capital ratio | 9.6989% | 7,079 |
| Total risk-based capital ratio | 10.9770% | 7,074 |
| Memoranda: | ||
| Average total assets | $836,023,400 | 809 |
| Average earning assets | $767,453,000 | 793 |
| Average equity | $81,056,600 | 811 |
| Average total loans | $620,381,600 | 715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 4,367 |
| Cost of funding earning assets | 2.1203% | 506 |
| Net interest margin | 2.9709% | 6,893 |
| Noninterest income to average assets | 0.0830% | 7,121 |
| Noninterest expense to average assets | 2.7190% | 4,799 |
| Loan and lease loss provision to assets | 1.8733% | 662 |
| Net operating income to assets | -1.1327% | 6,959 |
| Return on assets (ROA) | -0.8031% | 6,828 |
| Pretax return on assets | -1.2802% | 6,969 |
| Return on Equity (ROE) | -7.6209% | 6,819 |
| Retained earnings to average equity (ytd only) | -7.6209% | 6,748 |
| Net charge-offs to loans | 2.3635% | 741 |
| Credit loss provision to net charge-offs | 105.5401% | 4,058 |
| Earnings coverage of net charge-offs (x) | 0.0440% | 5,985 |
| Efficiency ratio | 97.2092% | 855 |
| Assets per employee ($millions) | 6.3217% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4512% | 560 |
| Loan loss allowance to noncurrent loans | 39.4797% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 6.6812% | 841 |
| Noncurrent loans to loans | 8.7417% | 563 |
| Net loans and leases to total assets | 69.4803% | 2,858 |
| Net loans and leases to deposits | 87.1568% | 2,131 |
| Net loans and leases to core deposits | 99.2048% | 1,926 |
| Total domestic deposits to total assets | 79.7188% | 5,797 |
| Equity capital to assets | 10.7821% | 3,190 |
| Core capital (leverage) ratio | 8.5867% | 5,369 |
| Tier 1 risk-based capital ratio | 11.5901% | 5,836 |
| Total risk-based capital ratio | 12.8680% | 5,801 |
| Memoranda: | ||
| Average total assets | $835,239,000 | 807 |
| Average earning assets | $763,021,500 | 800 |
| Average equity | $88,018,500 | 757 |
| Average total loans | $627,258,250 | 707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 4,127 |
| Cost of funding earning assets | 2.1918% | 480 |
| Net interest margin | 2.9708% | 6,894 |
| Noninterest income to average assets | 0.0341% | 7,417 |
| Noninterest expense to average assets | 2.7388% | 4,744 |
| Loan and lease loss provision to assets | 2.6220% | 422 |
| Net operating income to assets | -1.6341% | 7,197 |
| Return on assets (ROA) | -1.6340% | 7,208 |
| Pretax return on assets | -2.6124% | 7,389 |
| Return on Equity (ROE) | -15.6307% | 7,160 |
| Retained earnings to average equity (ytd only) | -15.6307% | 7,122 |
| Net charge-offs to loans | 1.9555% | 937 |
| Credit loss provision to net charge-offs | 175.9942% | 2,227 |
| Earnings coverage of net charge-offs (x) | 0.0063% | 5,710 |
| Efficiency ratio | 99.6568% | 815 |
| Assets per employee ($millions) | 5.4143% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0764% | 347 |
| Loan loss allowance to noncurrent loans | 73.6676% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 4.3997% | 1,515 |
| Noncurrent loans to loans | 5.5335% | 1,193 |
| Net loans and leases to total assets | 70.8175% | 2,710 |
| Net loans and leases to deposits | 88.1126% | 2,156 |
| Net loans and leases to core deposits | 99.1409% | 2,107 |
| Total domestic deposits to total assets | 80.3716% | 5,606 |
| Equity capital to assets | 9.9384% | 4,091 |
| Core capital (leverage) ratio | 7.6210% | 6,708 |
| Tier 1 risk-based capital ratio | 9.9891% | 7,033 |
| Total risk-based capital ratio | 11.2741% | 6,991 |
| Memoranda: | ||
| Average total assets | $827,068,330 | 823 |
| Average earning assets | $755,625,000 | 815 |
| Average equity | $86,458,330 | 756 |
| Average total loans | $630,107,330 | 709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 4,285 |
| Cost of funding earning assets | 2.2456% | 505 |
| Net interest margin | 2.9063% | 7,009 |
| Noninterest income to average assets | 0.2273% | 6,329 |
| Noninterest expense to average assets | 2.8640% | 4,208 |
| Loan and lease loss provision to assets | 1.6820% | 676 |
| Net operating income to assets | -1.0388% | 7,128 |
| Return on assets (ROA) | -1.0388% | 7,152 |
| Pretax return on assets | -1.6654% | 7,306 |
| Return on Equity (ROE) | -9.6904% | 7,127 |
| Retained earnings to average equity (ytd only) | -9.6904% | 6,948 |
| Net charge-offs to loans | 0.8109% | 1,911 |
| Credit loss provision to net charge-offs | 267.9907% | 1,474 |
| Earnings coverage of net charge-offs (x) | 0.0265% | 5,007 |
| Efficiency ratio | 99.4230% | 859 |
| Assets per employee ($millions) | 4.8697% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6511% | 487 |
| Loan loss allowance to noncurrent loans | 65.6609% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 5.0310% | 1,273 |
| Noncurrent loans to loans | 5.5605% | 1,250 |
| Net loans and leases to total assets | 73.4116% | 2,105 |
| Net loans and leases to deposits | 92.2442% | 1,580 |
| Net loans and leases to core deposits | 103.0090% | 1,821 |
| Total domestic deposits to total assets | 79.5839% | 5,919 |
| Equity capital to assets | 10.6215% | 3,126 |
| Core capital (leverage) ratio | 8.7104% | 5,010 |
| Tier 1 risk-based capital ratio | 10.8879% | 6,260 |
| Total risk-based capital ratio | 12.1670% | 6,217 |
| Memoranda: | ||
| Average total assets | $818,287,500 | 844 |
| Average earning assets | $747,058,500 | 841 |
| Average equity | $87,716,000 | 754 |
| Average total loans | $633,378,500 | 724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 5,590 |
| Cost of funding earning assets | 2.7516% | 515 |
| Net interest margin | 2.4616% | 7,466 |
| Noninterest income to average assets | 0.0846% | 7,333 |
| Noninterest expense to average assets | 2.9026% | 4,520 |
| Loan and lease loss provision to assets | 2.0918% | 1,014 |
| Net operating income to assets | -1.8573% | 7,030 |
| Return on assets (ROA) | -1.8431% | 7,026 |
| Pretax return on assets | -2.6143% | 7,180 |
| Return on Equity (ROE) | -17.8917% | 7,074 |
| Retained earnings to average equity (ytd only) | -17.8917% | 7,028 |
| Net charge-offs to loans | 2.2276% | 1,061 |
| Credit loss provision to net charge-offs | 121.9854% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.3164% | 6,560 |
| Efficiency ratio | 97.8197% | 1,221 |
| Assets per employee ($millions) | 5.5726% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2417% | 640 |
| Loan loss allowance to noncurrent loans | 50.9847% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 5.8073% | 983 |
| Noncurrent loans to loans | 6.3581% | 957 |
| Net loans and leases to total assets | 76.0776% | 1,779 |
| Net loans and leases to deposits | 96.6558% | 1,250 |
| Net loans and leases to core deposits | 124.3110% | 1,620 |
| Total domestic deposits to total assets | 78.7098% | 6,060 |
| Equity capital to assets | 10.8186% | 2,852 |
| Core capital (leverage) ratio | 8.5703% | 5,153 |
| Tier 1 risk-based capital ratio | 11.0653% | 5,858 |
| Total risk-based capital ratio | 12.3396% | 5,792 |
| Memoranda: | ||
| Average total assets | $845,358,000 | 799 |
| Average earning assets | $781,436,800 | 788 |
| Average equity | $87,085,200 | 734 |
| Average total loans | $650,754,200 | 719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 5,858 |
| Cost of funding earning assets | 2.8399% | 537 |
| Net interest margin | 2.3647% | 7,588 |
| Noninterest income to average assets | 0.0934% | 7,438 |
| Noninterest expense to average assets | 2.1889% | 7,009 |
| Loan and lease loss provision to assets | 0.6252% | 2,890 |
| Net operating income to assets | -0.3307% | 6,240 |
| Return on assets (ROA) | -0.3138% | 6,229 |
| Pretax return on assets | -0.5031% | 6,303 |
| Return on Equity (ROE) | -3.0826% | 6,257 |
| Retained earnings to average equity (ytd only) | -3.0826% | 5,955 |
| Net charge-offs to loans | 1.7305% | 1,169 |
| Credit loss provision to net charge-offs | 47.1705% | 6,354 |
| Earnings coverage of net charge-offs (x) | 0.0722% | 5,975 |
| Efficiency ratio | 94.9935% | 1,331 |
| Assets per employee ($millions) | 7.7800% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 1,725 |
| Loan loss allowance to noncurrent loans | 50.6040% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.5533% | 1,861 |
| Noncurrent loans to loans | 4.0157% | 1,829 |
| Net loans and leases to total assets | 72.9579% | 2,808 |
| Net loans and leases to deposits | 92.8998% | 2,076 |
| Net loans and leases to core deposits | 119.7119% | 2,271 |
| Total domestic deposits to total assets | 78.5339% | 5,944 |
| Equity capital to assets | 11.5807% | 2,523 |
| Core capital (leverage) ratio | 10.0844% | 3,198 |
| Tier 1 risk-based capital ratio | 12.9420% | 4,234 |
| Total risk-based capital ratio | 14.2014% | 4,153 |
| Memoranda: | ||
| Average total assets | $853,297,250 | 808 |
| Average earning assets | $790,674,750 | 787 |
| Average equity | $86,851,500 | 747 |
| Average total loans | $653,516,500 | 736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 5,826 |
| Cost of funding earning assets | 2.9685% | 512 |
| Net interest margin | 2.2919% | 7,684 |
| Noninterest income to average assets | 0.1617% | 7,118 |
| Noninterest expense to average assets | 2.0573% | 7,361 |
| Loan and lease loss provision to assets | 0.1767% | 5,280 |
| Net operating income to assets | 0.0306% | 5,757 |
| Return on assets (ROA) | 0.0560% | 5,783 |
| Pretax return on assets | 0.0897% | 5,701 |
| Return on Equity (ROE) | 0.5772% | 5,764 |
| Retained earnings to average equity (ytd only) | 0.5772% | 4,964 |
| Net charge-offs to loans | 1.6920% | 1,118 |
| Credit loss provision to net charge-offs | 13.5121% | 6,169 |
| Earnings coverage of net charge-offs (x) | 0.1733% | 5,496 |
| Efficiency ratio | 89.2530% | 1,882 |
| Assets per employee ($millions) | 7.9100% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 1,572 |
| Loan loss allowance to noncurrent loans | 61.9133% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.9239% | 2,182 |
| Noncurrent loans to loans | 3.2274% | 2,208 |
| Net loans and leases to total assets | 74.5397% | 2,560 |
| Net loans and leases to deposits | 93.2782% | 2,218 |
| Net loans and leases to core deposits | 120.3104% | 2,344 |
| Total domestic deposits to total assets | 79.9112% | 5,500 |
| Equity capital to assets | 9.9036% | 4,077 |
| Core capital (leverage) ratio | 8.4842% | 5,476 |
| Tier 1 risk-based capital ratio | 11.0052% | 5,869 |
| Total risk-based capital ratio | 12.2641% | 5,791 |
| Memoranda: | ||
| Average total assets | $849,869,000 | 827 |
| Average earning assets | $786,934,000 | 813 |
| Average equity | $82,465,670 | 796 |
| Average total loans | $656,982,000 | 751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 6,268 |
| Cost of funding earning assets | 3.0749% | 495 |
| Net interest margin | 2.1320% | 7,833 |
| Noninterest income to average assets | 0.1632% | 7,137 |
| Noninterest expense to average assets | 1.9019% | 7,541 |
| Loan and lease loss provision to assets | 0.0005% | 6,743 |
| Net operating income to assets | 0.1393% | 5,861 |
| Return on assets (ROA) | 0.1641% | 5,941 |
| Pretax return on assets | 0.2721% | 5,755 |
| Return on Equity (ROE) | 1.7085% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.7085% | 4,893 |
| Net charge-offs to loans | 1.5547% | 930 |
| Credit loss provision to net charge-offs | 0.0386% | 5,247 |
| Earnings coverage of net charge-offs (x) | 0.1930% | 4,825 |
| Efficiency ratio | 88.1786% | 1,882 |
| Assets per employee ($millions) | 7.5290% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 1,021 |
| Loan loss allowance to noncurrent loans | 62.5680% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.9358% | 1,936 |
| Noncurrent loans to loans | 3.5914% | 1,755 |
| Net loans and leases to total assets | 75.8234% | 2,310 |
| Net loans and leases to deposits | 94.6567% | 2,157 |
| Net loans and leases to core deposits | 123.3965% | 2,126 |
| Total domestic deposits to total assets | 80.1036% | 5,330 |
| Equity capital to assets | 9.5860% | 4,548 |
| Core capital (leverage) ratio | 8.3026% | 5,899 |
| Tier 1 risk-based capital ratio | 10.4421% | 6,454 |
| Total risk-based capital ratio | 11.7040% | 6,352 |
| Memoranda: | ||
| Average total assets | $855,573,000 | 821 |
| Average earning assets | $791,564,500 | 805 |
| Average equity | $82,179,500 | 802 |
| Average total loans | $666,608,500 | 744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2239% | 4,395 |
| Cost of funding earning assets | 3.6635% | 301 |
| Net interest margin | 2.5604% | 7,683 |
| Noninterest income to average assets | 0.1662% | 7,234 |
| Noninterest expense to average assets | 2.7856% | 4,881 |
| Loan and lease loss provision to assets | 1.3711% | 1,017 |
| Net operating income to assets | -0.9979% | 7,249 |
| Return on assets (ROA) | -0.9712% | 7,156 |
| Pretax return on assets | -1.5431% | 7,277 |
| Return on Equity (ROE) | -10.8237% | 7,328 |
| Retained earnings to average equity (ytd only) | -10.8237% | 7,144 |
| Net charge-offs to loans | 0.3016% | 3,387 |
| Credit loss provision to net charge-offs | 564.1120% | 778 |
| Earnings coverage of net charge-offs (x) | -0.8791% | 6,575 |
| Efficiency ratio | 107.1593% | 780 |
| Assets per employee ($millions) | 7.6533% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4703% | 704 |
| Loan loss allowance to noncurrent loans | 49.0588% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 3.8307% | 1,106 |
| Noncurrent loans to loans | 5.0354% | 865 |
| Net loans and leases to total assets | 74.1956% | 3,061 |
| Net loans and leases to deposits | 98.6090% | 2,035 |
| Net loans and leases to core deposits | 126.3903% | 2,133 |
| Total domestic deposits to total assets | 75.2422% | 6,392 |
| Equity capital to assets | 8.9986% | 5,367 |
| Core capital (leverage) ratio | 7.9572% | 6,559 |
| Tier 1 risk-based capital ratio | 9.8719% | 6,882 |
| Total risk-based capital ratio | 11.1361% | 6,744 |
| Memoranda: | ||
| Average total assets | $558,304,400 | 1,216 |
| Average earning assets | $524,558,000 | 1,176 |
| Average equity | $50,093,600 | 1,348 |
| Average total loans | $449,882,800 | 1,069 |