Home > Florida Gulf Bank > Performance and Condition Ratios
Florida Gulf Bank, Performance and Condition Ratios
| 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 | 4.2844% | 4,629 |
| Cost of funding earning assets | 0.6288% | 4,639 |
| Net interest margin | 3.6556% | 4,008 |
| Noninterest income to average assets | 0.4636% | 4,176 |
| Noninterest expense to average assets | 2.3683% | 5,571 |
| Loan and lease loss provision to assets | 0.6638% | 855 |
| Net operating income to assets | 0.4805% | 4,907 |
| Return on assets (ROA) | 0.5056% | 5,052 |
| Pretax return on assets | 0.8154% | 4,423 |
| Return on Equity (ROE) | 5.9916% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.9916% | 2,720 |
| Net charge-offs to loans | 1.2294% | 876 |
| Credit loss provision to net charge-offs | 76.2389% | 3,426 |
| Earnings coverage of net charge-offs (x) | 1.6537% | 4,162 |
| Efficiency ratio | 62.1877% | 5,216 |
| Assets per employee ($millions) | 5.0369% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8212% | 925 |
| Loan loss allowance to noncurrent loans | 201.4364% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 4,031 |
| Noncurrent loans to loans | 1.4006% | 3,819 |
| Net loans and leases to total assets | 67.5383% | 2,360 |
| Net loans and leases to deposits | 83.8643% | 1,870 |
| Net loans and leases to core deposits | 86.7400% | 2,331 |
| Total domestic deposits to total assets | 80.5327% | 5,605 |
| Equity capital to assets | 8.7347% | 5,987 |
| Core capital (leverage) ratio | 8.4489% | 5,715 |
| Tier 1 risk-based capital ratio | 11.8575% | 6,026 |
| Total risk-based capital ratio | 14.3453% | 5,100 |
| Memoranda: | ||
| Average total assets | $361,530,000 | 1,825 |
| Average earning assets | $330,779,000 | 1,819 |
| Average equity | $30,509,330 | 2,230 |
| Average total loans | $256,066,670 | 1,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 4,523 |
| Cost of funding earning assets | 0.6272% | 4,921 |
| Net interest margin | 3.7221% | 3,727 |
| Noninterest income to average assets | 0.5480% | 3,579 |
| Noninterest expense to average assets | 2.4430% | 5,332 |
| Loan and lease loss provision to assets | 0.7703% | 647 |
| Net operating income to assets | 0.4518% | 5,029 |
| Return on assets (ROA) | 0.5018% | 5,035 |
| Pretax return on assets | 0.8220% | 4,335 |
| Return on Equity (ROE) | 6.0507% | 4,263 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,928 |
| Net charge-offs to loans | 0.7851% | 1,309 |
| Credit loss provision to net charge-offs | 137.2549% | 1,793 |
| Earnings coverage of net charge-offs (x) | 2.6980% | 3,102 |
| Efficiency ratio | 61.7353% | 5,321 |
| Assets per employee ($millions) | 4.8267% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9491% | 877 |
| Loan loss allowance to noncurrent loans | 254.4844% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 4,539 |
| Noncurrent loans to loans | 1.1588% | 4,390 |
| Net loans and leases to total assets | 66.2233% | 2,425 |
| Net loans and leases to deposits | 82.3232% | 1,890 |
| Net loans and leases to core deposits | 84.8584% | 2,428 |
| Total domestic deposits to total assets | 80.4430% | 5,742 |
| Equity capital to assets | 8.0776% | 6,463 |
| Core capital (leverage) ratio | 8.4522% | 5,672 |
| Tier 1 risk-based capital ratio | 11.3429% | 6,367 |
| Total risk-based capital ratio | 13.8110% | 5,523 |
| Memoranda: | ||
| Average total assets | $363,484,500 | 1,817 |
| Average earning assets | $332,934,000 | 1,815 |
| Average equity | $30,145,500 | 2,253 |
| Average total loans | $259,828,500 | 1,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 4,738 |
| Cost of funding earning assets | 0.7673% | 5,080 |
| Net interest margin | 3.8165% | 3,739 |
| Noninterest income to average assets | 0.3912% | 4,687 |
| Noninterest expense to average assets | 2.4930% | 5,490 |
| Loan and lease loss provision to assets | 1.1364% | 792 |
| Net operating income to assets | 0.1512% | 5,729 |
| Return on assets (ROA) | 0.2154% | 5,681 |
| Pretax return on assets | 0.3568% | 5,412 |
| Return on Equity (ROE) | 2.5796% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.5796% | 4,390 |
| Net charge-offs to loans | 1.2899% | 1,278 |
| Credit loss provision to net charge-offs | 117.4053% | 2,741 |
| Earnings coverage of net charge-offs (x) | 1.4391% | 4,689 |
| Efficiency ratio | 64.1541% | 5,100 |
| Assets per employee ($millions) | 4.4365% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8109% | 968 |
| Loan loss allowance to noncurrent loans | 244.8939% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,480 |
| Noncurrent loans to loans | 1.1478% | 4,449 |
| Net loans and leases to total assets | 72.8633% | 1,481 |
| Net loans and leases to deposits | 91.0525% | 1,046 |
| Net loans and leases to core deposits | 94.1673% | 1,675 |
| Total domestic deposits to total assets | 80.0234% | 5,737 |
| Equity capital to assets | 8.5253% | 6,116 |
| Core capital (leverage) ratio | 8.5516% | 5,480 |
| Tier 1 risk-based capital ratio | 10.8961% | 6,509 |
| Total risk-based capital ratio | 13.3326% | 5,759 |
| Memoranda: | ||
| Average total assets | $351,980,800 | 1,842 |
| Average earning assets | $322,307,000 | 1,834 |
| Average equity | $29,384,200 | 2,240 |
| Average total loans | $264,133,800 | 1,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 4,757 |
| Cost of funding earning assets | 0.8024% | 5,133 |
| Net interest margin | 3.8259% | 3,744 |
| Noninterest income to average assets | 0.3810% | 4,802 |
| Noninterest expense to average assets | 2.4531% | 5,618 |
| Loan and lease loss provision to assets | 1.2771% | 591 |
| Net operating income to assets | 0.0921% | 5,980 |
| Return on assets (ROA) | 0.1200% | 6,029 |
| Pretax return on assets | 0.1964% | 5,902 |
| Return on Equity (ROE) | 1.4445% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.4445% | 5,423 |
| Net charge-offs to loans | 1.3410% | 1,129 |
| Credit loss provision to net charge-offs | 126.8797% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.4207% | 4,564 |
| Efficiency ratio | 63.1748% | 5,201 |
| Assets per employee ($millions) | 4.4520% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9021% | 930 |
| Loan loss allowance to noncurrent loans | 291.8740% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 4,758 |
| Noncurrent loans to loans | 0.9943% | 4,902 |
| Net loans and leases to total assets | 72.3284% | 1,639 |
| Net loans and leases to deposits | 91.3111% | 1,071 |
| Net loans and leases to core deposits | 94.5876% | 1,737 |
| Total domestic deposits to total assets | 79.2110% | 5,944 |
| Equity capital to assets | 8.6187% | 6,178 |
| Core capital (leverage) ratio | 8.3977% | 5,858 |
| Tier 1 risk-based capital ratio | 10.9564% | 6,569 |
| Total risk-based capital ratio | 13.3453% | 5,815 |
| Memoranda: | ||
| Average total assets | $352,354,750 | 1,845 |
| Average earning assets | $322,530,500 | 1,838 |
| Average equity | $29,260,250 | 2,249 |
| Average total loans | $264,477,000 | 1,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 4,804 |
| Cost of funding earning assets | 0.8525% | 5,046 |
| Net interest margin | 3.7852% | 3,861 |
| Noninterest income to average assets | 0.3751% | 4,879 |
| Noninterest expense to average assets | 2.5222% | 5,453 |
| Loan and lease loss provision to assets | 1.3134% | 565 |
| Net operating income to assets | 0.0002% | 6,224 |
| Return on assets (ROA) | 0.0418% | 6,221 |
| Pretax return on assets | 0.0684% | 6,151 |
| Return on Equity (ROE) | 0.5097% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.5097% | 5,648 |
| Net charge-offs to loans | 1.6914% | 857 |
| Credit loss provision to net charge-offs | 103.1957% | 2,997 |
| Earnings coverage of net charge-offs (x) | 1.0346% | 4,517 |
| Efficiency ratio | 65.7004% | 4,934 |
| Assets per employee ($millions) | 4.4874% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6612% | 1,224 |
| Loan loss allowance to noncurrent loans | 196.8454% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4091% | 4,105 |
| Noncurrent loans to loans | 1.3519% | 4,393 |
| Net loans and leases to total assets | 71.7287% | 1,837 |
| Net loans and leases to deposits | 90.0052% | 1,271 |
| Net loans and leases to core deposits | 92.9994% | 2,020 |
| Total domestic deposits to total assets | 79.6940% | 5,900 |
| Equity capital to assets | 8.3521% | 6,360 |
| Core capital (leverage) ratio | 8.1643% | 6,081 |
| Tier 1 risk-based capital ratio | 10.8667% | 6,621 |
| Total risk-based capital ratio | 13.2516% | 5,758 |
| Memoranda: | ||
| Average total assets | $354,054,670 | 1,852 |
| Average earning assets | $323,996,330 | 1,837 |
| Average equity | $29,037,330 | 2,241 |
| Average total loans | $266,412,330 | 1,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 4,720 |
| Cost of funding earning assets | 0.9174% | 4,796 |
| Net interest margin | 3.7383% | 3,898 |
| Noninterest income to average assets | 0.3213% | 5,350 |
| Noninterest expense to average assets | 2.5377% | 5,428 |
| Loan and lease loss provision to assets | 1.1234% | 643 |
| Net operating income to assets | 0.0532% | 6,224 |
| Return on assets (ROA) | 0.0798% | 6,200 |
| Pretax return on assets | 0.1303% | 6,102 |
| Return on Equity (ROE) | 0.9814% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.9814% | 5,437 |
| Net charge-offs to loans | 0.2586% | 3,035 |
| Credit loss provision to net charge-offs | 571.4286% | 651 |
| Earnings coverage of net charge-offs (x) | 6.1657% | 2,145 |
| Efficiency ratio | 67.6753% | 4,718 |
| Assets per employee ($millions) | 4.6720% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8409% | 1,069 |
| Loan loss allowance to noncurrent loans | 331.6500% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 4,841 |
| Noncurrent loans to loans | 0.8566% | 5,331 |
| Net loans and leases to total assets | 71.4942% | 1,816 |
| Net loans and leases to deposits | 92.2307% | 995 |
| Net loans and leases to core deposits | 96.1299% | 1,665 |
| Total domestic deposits to total assets | 77.5167% | 6,444 |
| Equity capital to assets | 7.9480% | 6,548 |
| Core capital (leverage) ratio | 8.1492% | 6,054 |
| Tier 1 risk-based capital ratio | 10.4651% | 6,825 |
| Total risk-based capital ratio | 12.8241% | 6,035 |
| Memoranda: | ||
| Average total assets | $356,072,500 | 1,851 |
| Average earning assets | $326,564,500 | 1,835 |
| Average equity | $28,939,000 | 2,235 |
| Average total loans | $270,654,500 | 1,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 4,399 |
| Cost of funding earning assets | 1.2007% | 4,560 |
| Net interest margin | 3.8327% | 3,806 |
| Noninterest income to average assets | 0.2735% | 5,828 |
| Noninterest expense to average assets | 2.4219% | 6,043 |
| Loan and lease loss provision to assets | 1.3135% | 1,163 |
| Net operating income to assets | 0.0188% | 5,776 |
| Return on assets (ROA) | 0.0979% | 5,733 |
| Pretax return on assets | 0.1607% | 5,569 |
| Return on Equity (ROE) | 1.2442% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.2442% | 4,934 |
| Net charge-offs to loans | 1.2265% | 1,831 |
| Credit loss provision to net charge-offs | 137.2436% | 2,780 |
| Earnings coverage of net charge-offs (x) | 1.4112% | 4,706 |
| Efficiency ratio | 64.1988% | 5,312 |
| Assets per employee ($millions) | 4.4581% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4869% | 1,425 |
| Loan loss allowance to noncurrent loans | 267.5463% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 5,043 |
| Noncurrent loans to loans | 0.9295% | 5,189 |
| Net loans and leases to total assets | 76.6004% | 1,159 |
| Net loans and leases to deposits | 99.0447% | 639 |
| Net loans and leases to core deposits | 103.4363% | 1,356 |
| Total domestic deposits to total assets | 77.3392% | 6,429 |
| Equity capital to assets | 8.3151% | 6,122 |
| Core capital (leverage) ratio | 8.2361% | 5,776 |
| Tier 1 risk-based capital ratio | 10.4032% | 6,756 |
| Total risk-based capital ratio | 13.1079% | 5,598 |
| Memoranda: | ||
| Average total assets | $361,620,400 | 1,811 |
| Average earning assets | $330,136,200 | 1,806 |
| Average equity | $28,452,600 | 2,288 |
| Average total loans | $282,195,800 | 1,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 4,490 |
| Cost of funding earning assets | 1.2580% | 4,509 |
| Net interest margin | 3.8103% | 3,930 |
| Noninterest income to average assets | 0.2279% | 6,269 |
| Noninterest expense to average assets | 2.4037% | 6,027 |
| Loan and lease loss provision to assets | 1.3877% | 971 |
| Net operating income to assets | -0.0592% | 6,117 |
| Return on assets (ROA) | 0.0453% | 6,025 |
| Pretax return on assets | 0.0741% | 5,963 |
| Return on Equity (ROE) | 0.5834% | 5,994 |
| Retained earnings to average equity (ytd only) | 0.5834% | 5,567 |
| Net charge-offs to loans | 1.4938% | 1,344 |
| Credit loss provision to net charge-offs | 119.2344% | 3,465 |
| Earnings coverage of net charge-offs (x) | 1.1158% | 4,938 |
| Efficiency ratio | 64.9240% | 5,067 |
| Assets per employee ($millions) | 4.4960% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2373% | 1,728 |
| Loan loss allowance to noncurrent loans | 236.3601% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 5,190 |
| Noncurrent loans to loans | 0.9466% | 5,341 |
| Net loans and leases to total assets | 76.2200% | 1,363 |
| Net loans and leases to deposits | 97.8364% | 808 |
| Net loans and leases to core deposits | 107.1112% | 1,230 |
| Total domestic deposits to total assets | 77.9056% | 6,279 |
| Equity capital to assets | 8.2680% | 6,540 |
| Core capital (leverage) ratio | 8.0643% | 6,256 |
| Tier 1 risk-based capital ratio | 10.2071% | 6,956 |
| Total risk-based capital ratio | 12.8855% | 5,781 |
| Memoranda: | ||
| Average total assets | $365,093,500 | 1,814 |
| Average earning assets | $332,913,500 | 1,820 |
| Average equity | $28,337,250 | 2,325 |
| Average total loans | $284,456,250 | 1,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 4,835 |
| Cost of funding earning assets | 1.3063% | 4,494 |
| Net interest margin | 3.7160% | 4,289 |
| Noninterest income to average assets | 0.3044% | 5,723 |
| Noninterest expense to average assets | 2.3899% | 6,089 |
| Loan and lease loss provision to assets | 1.2977% | 1,060 |
| Net operating income to assets | 0.0107% | 6,071 |
| Return on assets (ROA) | 0.0643% | 6,059 |
| Pretax return on assets | 0.1060% | 5,966 |
| Return on Equity (ROE) | 0.8464% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.8464% | 5,426 |
| Net charge-offs to loans | 1.2404% | 1,540 |
| Credit loss provision to net charge-offs | 134.3033% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.3660% | 4,462 |
| Efficiency ratio | 64.4221% | 5,253 |
| Assets per employee ($millions) | 4.6697% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1361% | 1,893 |
| Loan loss allowance to noncurrent loans | 348.1503% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 5,573 |
| Noncurrent loans to loans | 0.6136% | 6,022 |
| Net loans and leases to total assets | 76.9401% | 1,304 |
| Net loans and leases to deposits | 99.5337% | 763 |
| Net loans and leases to core deposits | 109.8156% | 1,175 |
| Total domestic deposits to total assets | 77.3006% | 6,432 |
| Equity capital to assets | 8.0285% | 6,727 |
| Core capital (leverage) ratio | 7.6941% | 6,615 |
| Tier 1 risk-based capital ratio | 9.8302% | 7,115 |
| Total risk-based capital ratio | 12.4552% | 6,018 |
| Memoranda: | ||
| Average total assets | $369,894,670 | 1,811 |
| Average earning assets | $338,965,000 | 1,807 |
| Average equity | $28,118,000 | 2,331 |
| Average total loans | $288,137,330 | 1,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 4,951 |
| Cost of funding earning assets | 1.3304% | 4,624 |
| Net interest margin | 3.6841% | 4,333 |
| Noninterest income to average assets | 0.2479% | 6,169 |
| Noninterest expense to average assets | 2.3996% | 6,087 |
| Loan and lease loss provision to assets | 1.1537% | 1,061 |
| Net operating income to assets | 0.0408% | 6,188 |
| Return on assets (ROA) | 0.0408% | 6,302 |
| Pretax return on assets | 0.0676% | 6,212 |
| Return on Equity (ROE) | 0.5516% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.5516% | 5,608 |
| Net charge-offs to loans | 1.8711% | 923 |
| Credit loss provision to net charge-offs | 79.5118% | 3,890 |
| Earnings coverage of net charge-offs (x) | 0.8417% | 4,293 |
| Efficiency ratio | 66.2715% | 5,059 |
| Assets per employee ($millions) | 4.9910% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,666 |
| Loan loss allowance to noncurrent loans | 230.9187% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 5,516 |
| Noncurrent loans to loans | 0.7889% | 5,740 |
| Net loans and leases to total assets | 74.2752% | 1,914 |
| Net loans and leases to deposits | 96.9458% | 1,004 |
| Net loans and leases to core deposits | 103.7331% | 1,766 |
| Total domestic deposits to total assets | 76.6152% | 6,636 |
| Equity capital to assets | 7.3772% | 7,161 |
| Core capital (leverage) ratio | 7.4533% | 6,893 |
| Tier 1 risk-based capital ratio | 9.4881% | 7,312 |
| Total risk-based capital ratio | 12.1147% | 6,263 |
| Memoranda: | ||
| Average total assets | $372,723,000 | 1,840 |
| Average earning assets | $341,254,000 | 1,835 |
| Average equity | $27,555,500 | 2,403 |
| Average total loans | $289,025,000 | 1,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1906% | 5,691 |
| Cost of funding earning assets | 1.6782% | 4,623 |
| Net interest margin | 3.5124% | 4,900 |
| Noninterest income to average assets | 0.3423% | 5,641 |
| Noninterest expense to average assets | 2.5113% | 6,084 |
| Loan and lease loss provision to assets | 1.0557% | 2,178 |
| Net operating income to assets | -0.0074% | 5,498 |
| Return on assets (ROA) | 0.0525% | 5,389 |
| Pretax return on assets | 0.1003% | 5,223 |
| Return on Equity (ROE) | 0.6984% | 5,331 |
| Retained earnings to average equity (ytd only) | 0.6984% | 4,518 |
| Net charge-offs to loans | 0.5281% | 3,674 |
| Credit loss provision to net charge-offs | 253.1646% | 1,394 |
| Earnings coverage of net charge-offs (x) | 2.5476% | 3,849 |
| Efficiency ratio | 70.2713% | 4,568 |
| Assets per employee ($millions) | 4.6940% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,285 |
| Loan loss allowance to noncurrent loans | 479.4425% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 6,060 |
| Noncurrent loans to loans | 0.3944% | 6,487 |
| Net loans and leases to total assets | 77.9997% | 1,383 |
| Net loans and leases to deposits | 101.0956% | 813 |
| Net loans and leases to core deposits | 121.1496% | 1,866 |
| Total domestic deposits to total assets | 77.1544% | 6,427 |
| Equity capital to assets | 7.4094% | 7,113 |
| Core capital (leverage) ratio | 7.3411% | 6,946 |
| Tier 1 risk-based capital ratio | 9.1611% | 7,394 |
| Total risk-based capital ratio | 11.7798% | 6,345 |
| Memoranda: | ||
| Average total assets | $359,939,800 | 1,887 |
| Average earning assets | $331,136,400 | 1,874 |
| Average equity | $27,063,400 | 2,446 |
| Average total loans | $284,247,800 | 1,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 6,006 |
| Cost of funding earning assets | 1.7529% | 4,623 |
| Net interest margin | 3.4177% | 5,185 |
| Noninterest income to average assets | 0.3296% | 5,851 |
| Noninterest expense to average assets | 2.5420% | 5,933 |
| Loan and lease loss provision to assets | 1.2277% | 1,583 |
| Net operating income to assets | -0.1799% | 6,028 |
| Return on assets (ROA) | -0.1544% | 6,006 |
| Pretax return on assets | -0.2530% | 6,046 |
| Return on Equity (ROE) | -2.0458% | 6,103 |
| Retained earnings to average equity (ytd only) | -2.0458% | 5,734 |
| Net charge-offs to loans | 0.6460% | 2,751 |
| Credit loss provision to net charge-offs | 241.0519% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.8356% | 4,428 |
| Efficiency ratio | 73.1115% | 4,037 |
| Assets per employee ($millions) | 4.8008% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,539 |
| Loan loss allowance to noncurrent loans | 225.2874% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,496 |
| Noncurrent loans to loans | 0.7644% | 5,775 |
| Net loans and leases to total assets | 77.6684% | 1,640 |
| Net loans and leases to deposits | 103.9866% | 777 |
| Net loans and leases to core deposits | 128.4047% | 1,545 |
| Total domestic deposits to total assets | 74.6908% | 6,828 |
| Equity capital to assets | 7.1559% | 7,522 |
| Core capital (leverage) ratio | 7.0964% | 7,363 |
| Tier 1 risk-based capital ratio | 8.8839% | 7,659 |
| Total risk-based capital ratio | 11.4904% | 6,682 |
| Memoranda: | ||
| Average total assets | $358,392,000 | 1,909 |
| Average earning assets | $330,037,750 | 1,899 |
| Average equity | $27,047,250 | 2,469 |
| Average total loans | $282,538,500 | 1,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 6,077 |
| Cost of funding earning assets | 1.8382% | 4,565 |
| Net interest margin | 3.3617% | 5,308 |
| Noninterest income to average assets | 0.3257% | 5,904 |
| Noninterest expense to average assets | 2.6111% | 5,699 |
| Loan and lease loss provision to assets | 0.5665% | 2,755 |
| Net operating income to assets | 0.1467% | 5,425 |
| Return on assets (ROA) | 0.1467% | 5,520 |
| Pretax return on assets | 0.2408% | 5,349 |
| Return on Equity (ROE) | 1.9093% | 5,338 |
| Retained earnings to average equity (ytd only) | 1.9093% | 4,281 |
| Net charge-offs to loans | 0.5121% | 2,791 |
| Credit loss provision to net charge-offs | 140.4494% | 3,324 |
| Earnings coverage of net charge-offs (x) | 2.0014% | 4,088 |
| Efficiency ratio | 76.3838% | 3,623 |
| Assets per employee ($millions) | 4.7617% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 4,897 |
| Loan loss allowance to noncurrent loans | 199.4801% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 5,769 |
| Noncurrent loans to loans | 0.6039% | 6,051 |
| Net loans and leases to total assets | 75.2791% | 2,373 |
| Net loans and leases to deposits | 101.3116% | 1,138 |
| Net loans and leases to core deposits | 125.1672% | 1,936 |
| Total domestic deposits to total assets | 74.3046% | 6,911 |
| Equity capital to assets | 7.2413% | 7,457 |
| Core capital (leverage) ratio | 7.4471% | 7,084 |
| Tier 1 risk-based capital ratio | 9.0916% | 7,641 |
| Total risk-based capital ratio | 11.6163% | 6,448 |
| Memoranda: | ||
| Average total assets | $353,035,670 | 1,959 |
| Average earning assets | $324,772,670 | 1,950 |
| Average equity | $27,131,000 | 2,466 |
| Average total loans | $278,073,330 | 1,782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 5,621 |
| Cost of funding earning assets | 1.9410% | 4,427 |
| Net interest margin | 3.4179% | 5,063 |
| Noninterest income to average assets | 0.2917% | 6,102 |
| Noninterest expense to average assets | 2.6896% | 5,055 |
| Loan and lease loss provision to assets | 0.4393% | 2,727 |
| Net operating income to assets | 0.1769% | 5,727 |
| Return on assets (ROA) | 0.1769% | 5,901 |
| Pretax return on assets | 0.2940% | 5,695 |
| Return on Equity (ROE) | 2.2307% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.2307% | 4,632 |
| Net charge-offs to loans | 0.2907% | 2,951 |
| Credit loss provision to net charge-offs | 188.4422% | 2,328 |
| Earnings coverage of net charge-offs (x) | 3.1457% | 3,272 |
| Efficiency ratio | 78.5763% | 3,066 |
| Assets per employee ($millions) | 4.4535% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,533 |
| Loan loss allowance to noncurrent loans | 348.9164% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 6,080 |
| Noncurrent loans to loans | 0.3549% | 6,542 |
| Net loans and leases to total assets | 77.6280% | 1,905 |
| Net loans and leases to deposits | 104.9780% | 945 |
| Net loans and leases to core deposits | 131.3459% | 1,578 |
| Total domestic deposits to total assets | 73.9469% | 6,904 |
| Equity capital to assets | 7.8403% | 7,019 |
| Core capital (leverage) ratio | 7.9551% | 6,537 |
| Tier 1 risk-based capital ratio | 9.5820% | 7,360 |
| Total risk-based capital ratio | 12.2136% | 5,844 |
| Memoranda: | ||
| Average total assets | $341,465,500 | 2,033 |
| Average earning assets | $312,823,000 | 2,047 |
| Average equity | $27,076,500 | 2,484 |
| Average total loans | $273,792,500 | 1,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9206% | 5,943 |
| Cost of funding earning assets | 2.5110% | 4,148 |
| Net interest margin | 3.4095% | 5,622 |
| Noninterest income to average assets | 0.2954% | 6,349 |
| Noninterest expense to average assets | 2.7663% | 4,979 |
| Loan and lease loss provision to assets | 0.4513% | 3,034 |
| Net operating income to assets | 0.1062% | 6,097 |
| Return on assets (ROA) | 0.1062% | 5,935 |
| Pretax return on assets | 0.1784% | 5,775 |
| Return on Equity (ROE) | 1.4618% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.1305% | 4,553 |
| Net charge-offs to loans | 0.4684% | 2,487 |
| Credit loss provision to net charge-offs | 122.6492% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.7114% | 5,223 |
| Efficiency ratio | 81.4582% | 2,380 |
| Assets per employee ($millions) | 4.1945% | 3,127 |
| Cash dividends to net income (ytd only)* | 22.6629% | 4,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 4,800 |
| Loan loss allowance to noncurrent loans | 346.4865% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 6,188 |
| Noncurrent loans to loans | 0.3369% | 6,368 |
| Net loans and leases to total assets | 80.8624% | 1,475 |
| Net loans and leases to deposits | 109.7675% | 851 |
| Net loans and leases to core deposits | 138.2599% | 1,358 |
| Total domestic deposits to total assets | 73.6670% | 6,705 |
| Equity capital to assets | 8.0218% | 6,816 |
| Core capital (leverage) ratio | 8.0132% | 6,466 |
| Tier 1 risk-based capital ratio | 9.5601% | 7,242 |
| Total risk-based capital ratio | 12.1376% | 5,740 |
| Memoranda: | ||
| Average total assets | $332,388,800 | 2,012 |
| Average earning assets | $302,269,200 | 2,023 |
| Average equity | $24,148,200 | 2,717 |
| Average total loans | $261,101,800 | 1,825 |