Home > Focus Business Bank > Performance and Condition Ratios
Focus Business Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8659% | 5,972 |
| Cost of funding earning assets | 0.1693% | 5,699 |
| Net interest margin | 2.6966% | 5,764 |
| Noninterest income to average assets | 0.8187% | 1,704 |
| Noninterest expense to average assets | 2.8936% | 2,919 |
| Loan and lease loss provision to assets | 0.0251% | 3,633 |
| Net operating income to assets | 0.1800% | 5,740 |
| Return on assets (ROA) | 0.1806% | 5,800 |
| Pretax return on assets | 0.3461% | 5,583 |
| Return on Equity (ROE) | 2.4914% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.4914% | 4,467 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6566% | 862 |
| Assets per employee ($millions) | 9.9422% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,547 |
| Loan loss allowance to noncurrent loans | 1,674.8466% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,704 |
| Noncurrent loans to loans | 0.0862% | 5,397 |
| Net loans and leases to total assets | 45.7449% | 5,271 |
| Net loans and leases to deposits | 49.4163% | 5,537 |
| Net loans and leases to core deposits | 50.9920% | 5,576 |
| Total domestic deposits to total assets | 92.5705% | 76 |
| Equity capital to assets | 7.1423% | 6,172 |
| Core capital (leverage) ratio | 7.4032% | 6,121 |
| Tier 1 risk-based capital ratio | 13.6093% | 4,156 |
| Total risk-based capital ratio | 14.8421% | 4,098 |
| Memoranda: | ||
| Average total assets | $398,672,670 | 1,677 |
| Average earning assets | $361,498,000 | 1,694 |
| Average equity | $28,899,670 | 2,428 |
| Average total loans | $184,105,670 | 2,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9345% | 5,964 |
| Cost of funding earning assets | 0.1699% | 5,769 |
| Net interest margin | 2.7646% | 5,713 |
| Noninterest income to average assets | 1.2085% | 778 |
| Noninterest expense to average assets | 2.9772% | 2,652 |
| Loan and lease loss provision to assets | 0.0507% | 2,918 |
| Net operating income to assets | 0.4076% | 5,044 |
| Return on assets (ROA) | 0.4089% | 5,150 |
| Pretax return on assets | 0.6920% | 4,617 |
| Return on Equity (ROE) | 5.5987% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.5987% | 2,719 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0764% | 1,893 |
| Assets per employee ($millions) | 9.4549% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.8186% | 5,280 |
| Net loans and leases to deposits | 48.4740% | 5,546 |
| Net loans and leases to core deposits | 50.0971% | 5,588 |
| Total domestic deposits to total assets | 92.4592% | 99 |
| Equity capital to assets | 7.3260% | 6,217 |
| Core capital (leverage) ratio | 7.5072% | 6,135 |
| Tier 1 risk-based capital ratio | 14.1283% | 3,931 |
| Total risk-based capital ratio | 15.3907% | 3,853 |
| Memoranda: | ||
| Average total assets | $394,194,000 | 1,697 |
| Average earning assets | $357,811,500 | 1,717 |
| Average equity | $28,792,500 | 2,444 |
| Average total loans | $181,558,500 | 2,264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8322% | 6,186 |
| Cost of funding earning assets | 0.2060% | 5,694 |
| Net interest margin | 2.6262% | 6,038 |
| Noninterest income to average assets | 0.4949% | 3,551 |
| Noninterest expense to average assets | 2.3524% | 4,969 |
| Loan and lease loss provision to assets | 0.0826% | 2,830 |
| Net operating income to assets | 0.2965% | 5,524 |
| Return on assets (ROA) | 0.3185% | 5,545 |
| Pretax return on assets | 0.5018% | 5,245 |
| Return on Equity (ROE) | 4.1852% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,219 |
| Net charge-offs to loans | 0.1074% | 2,975 |
| Credit loss provision to net charge-offs | 177.5148% | 1,367 |
| Earnings coverage of net charge-offs (x) | 11.8225% | 2,447 |
| Efficiency ratio | 81.0508% | 1,763 |
| Assets per employee ($millions) | 10.0329% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 5,441 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.9338% | 5,327 |
| Net loans and leases to deposits | 49.7443% | 5,590 |
| Net loans and leases to core deposits | 51.2445% | 5,648 |
| Total domestic deposits to total assets | 92.3398% | 110 |
| Equity capital to assets | 7.2819% | 6,284 |
| Core capital (leverage) ratio | 7.0940% | 6,298 |
| Tier 1 risk-based capital ratio | 13.4564% | 4,443 |
| Total risk-based capital ratio | 14.7071% | 4,378 |
| Memoranda: | ||
| Average total assets | $363,281,000 | 1,792 |
| Average earning assets | $333,023,000 | 1,801 |
| Average equity | $27,644,800 | 2,435 |
| Average total loans | $157,381,000 | 2,462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7741% | 6,297 |
| Cost of funding earning assets | 0.2126% | 5,731 |
| Net interest margin | 2.5614% | 6,170 |
| Noninterest income to average assets | 0.5572% | 3,152 |
| Noninterest expense to average assets | 2.3561% | 4,952 |
| Loan and lease loss provision to assets | 0.0748% | 2,849 |
| Net operating income to assets | 0.2981% | 5,589 |
| Return on assets (ROA) | 0.3132% | 5,621 |
| Pretax return on assets | 0.5075% | 5,309 |
| Return on Equity (ROE) | 4.0680% | 5,145 |
| Retained earnings to average equity (ytd only) | 4.0680% | 3,751 |
| Net charge-offs to loans | 0.1500% | 2,289 |
| Credit loss provision to net charge-offs | 117.6471% | 1,942 |
| Earnings coverage of net charge-offs (x) | 8.7824% | 2,748 |
| Efficiency ratio | 80.8319% | 1,783 |
| Assets per employee ($millions) | 9.9281% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,621 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 40.7880% | 5,768 |
| Net loans and leases to deposits | 44.0035% | 5,970 |
| Net loans and leases to core deposits | 45.2704% | 5,985 |
| Total domestic deposits to total assets | 92.6926% | 101 |
| Equity capital to assets | 6.9068% | 6,399 |
| Core capital (leverage) ratio | 7.2212% | 6,348 |
| Tier 1 risk-based capital ratio | 13.9926% | 4,222 |
| Total risk-based capital ratio | 15.2435% | 4,162 |
| Memoranda: | ||
| Average total assets | $356,280,500 | 1,844 |
| Average earning assets | $327,932,750 | 1,838 |
| Average equity | $27,432,750 | 2,455 |
| Average total loans | $151,123,750 | 2,560 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8783% | 6,273 |
| Cost of funding earning assets | 0.2337% | 5,633 |
| Net interest margin | 2.6446% | 6,124 |
| Noninterest income to average assets | 0.6029% | 2,804 |
| Noninterest expense to average assets | 2.4152% | 4,838 |
| Loan and lease loss provision to assets | 0.1031% | 2,297 |
| Net operating income to assets | 0.3254% | 5,477 |
| Return on assets (ROA) | 0.3330% | 5,528 |
| Pretax return on assets | 0.5369% | 5,169 |
| Return on Equity (ROE) | 4.1535% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.1535% | 3,529 |
| Net charge-offs to loans | 0.2684% | 1,475 |
| Credit loss provision to net charge-offs | 89.7436% | 2,183 |
| Earnings coverage of net charge-offs (x) | 5.4667% | 2,924 |
| Efficiency ratio | 79.3571% | 2,115 |
| Assets per employee ($millions) | 10.5550% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,023 |
| Loan loss allowance to noncurrent loans | 2,123.5294% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,112 |
| Noncurrent loans to loans | 0.0817% | 5,774 |
| Net loans and leases to total assets | 38.7412% | 5,909 |
| Net loans and leases to deposits | 42.0411% | 6,066 |
| Net loans and leases to core deposits | 43.3847% | 6,092 |
| Total domestic deposits to total assets | 92.1508% | 152 |
| Equity capital to assets | 7.5276% | 6,343 |
| Core capital (leverage) ratio | 7.3913% | 6,342 |
| Tier 1 risk-based capital ratio | 12.4785% | 5,243 |
| Total risk-based capital ratio | 13.7262% | 5,166 |
| Memoranda: | ||
| Average total assets | $339,357,000 | 1,922 |
| Average earning assets | $313,165,670 | 1,917 |
| Average equity | $27,205,670 | 2,464 |
| Average total loans | $145,296,330 | 2,649 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 6,298 |
| Cost of funding earning assets | 0.2438% | 5,648 |
| Net interest margin | 2.6952% | 6,118 |
| Noninterest income to average assets | 0.6315% | 2,559 |
| Noninterest expense to average assets | 2.5259% | 4,535 |
| Loan and lease loss provision to assets | 0.1233% | 1,955 |
| Net operating income to assets | 0.3018% | 5,487 |
| Return on assets (ROA) | 0.3120% | 5,498 |
| Pretax return on assets | 0.4933% | 5,191 |
| Return on Equity (ROE) | 3.7615% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.7615% | 3,870 |
| Net charge-offs to loans | 0.3418% | 1,048 |
| Credit loss provision to net charge-offs | 80.6452% | 1,895 |
| Earnings coverage of net charge-offs (x) | 3.9274% | 2,600 |
| Efficiency ratio | 80.7890% | 2,081 |
| Assets per employee ($millions) | 9.8819% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,408 |
| Loan loss allowance to noncurrent loans | 1,320.9424% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 6,106 |
| Noncurrent loans to loans | 0.1274% | 5,726 |
| Net loans and leases to total assets | 43.8640% | 5,526 |
| Net loans and leases to deposits | 47.8682% | 5,740 |
| Net loans and leases to core deposits | 49.4883% | 5,794 |
| Total domestic deposits to total assets | 91.6351% | 347 |
| Equity capital to assets | 8.0697% | 6,004 |
| Core capital (leverage) ratio | 7.8942% | 6,180 |
| Tier 1 risk-based capital ratio | 12.3792% | 5,385 |
| Total risk-based capital ratio | 13.6292% | 5,325 |
| Memoranda: | ||
| Average total assets | $324,322,500 | 2,018 |
| Average earning assets | $300,232,000 | 2,009 |
| Average equity | $26,904,000 | 2,476 |
| Average total loans | $145,121,000 | 2,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1149% | 6,227 |
| Cost of funding earning assets | 0.2686% | 5,843 |
| Net interest margin | 2.8463% | 5,904 |
| Noninterest income to average assets | 0.6030% | 3,081 |
| Noninterest expense to average assets | 2.6954% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3317% | 5,406 |
| Return on assets (ROA) | 0.3339% | 5,501 |
| Pretax return on assets | 0.5253% | 5,120 |
| Return on Equity (ROE) | 3.2960% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.2960% | 3,888 |
| Net charge-offs to loans | -0.0024% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7793% | 1,651 |
| Assets per employee ($millions) | 9.7706% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 2,020 |
| Loan loss allowance to noncurrent loans | 231.9672% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 5,209 |
| Noncurrent loans to loans | 0.7824% | 4,016 |
| Net loans and leases to total assets | 44.0720% | 5,665 |
| Net loans and leases to deposits | 48.3467% | 5,876 |
| Net loans and leases to core deposits | 49.8748% | 5,944 |
| Total domestic deposits to total assets | 91.1581% | 514 |
| Equity capital to assets | 8.5381% | 5,543 |
| Core capital (leverage) ratio | 8.4979% | 5,676 |
| Tier 1 risk-based capital ratio | 13.5830% | 4,591 |
| Total risk-based capital ratio | 14.8352% | 4,538 |
| Memoranda: | ||
| Average total assets | $260,219,400 | 2,434 |
| Average earning assets | $239,009,200 | 2,430 |
| Average equity | $26,365,000 | 2,516 |
| Average total loans | $125,939,800 | 2,916 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 6,236 |
| Cost of funding earning assets | 0.2755% | 5,924 |
| Net interest margin | 2.8974% | 5,821 |
| Noninterest income to average assets | 0.5628% | 3,375 |
| Noninterest expense to average assets | 2.7847% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2995% | 5,614 |
| Return on assets (ROA) | 0.2995% | 5,731 |
| Pretax return on assets | 0.4279% | 5,560 |
| Return on Equity (ROE) | 2.8155% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.8155% | 4,634 |
| Net charge-offs to loans | -0.0022% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6812% | 1,297 |
| Assets per employee ($millions) | 8.7785% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 2,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.9077% | 5,457 |
| Net loans and leases to deposits | 51.9821% | 5,710 |
| Net loans and leases to core deposits | 53.8902% | 5,768 |
| Total domestic deposits to total assets | 90.2382% | 871 |
| Equity capital to assets | 9.3934% | 4,684 |
| Core capital (leverage) ratio | 9.1223% | 4,936 |
| Tier 1 risk-based capital ratio | 14.0437% | 4,391 |
| Total risk-based capital ratio | 15.2965% | 4,343 |
| Memoranda: | ||
| Average total assets | $247,109,500 | 2,572 |
| Average earning assets | $225,987,500 | 2,567 |
| Average equity | $26,282,500 | 2,556 |
| Average total loans | $122,339,250 | 3,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 6,160 |
| Cost of funding earning assets | 0.2762% | 6,010 |
| Net interest margin | 2.9717% | 5,639 |
| Noninterest income to average assets | 0.5054% | 3,792 |
| Noninterest expense to average assets | 2.8044% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2654% | 5,728 |
| Return on assets (ROA) | 0.2654% | 5,862 |
| Pretax return on assets | 0.4104% | 5,617 |
| Return on Equity (ROE) | 2.3850% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.3850% | 4,784 |
| Net charge-offs to loans | -0.0017% | 5,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2329% | 1,298 |
| Assets per employee ($millions) | 8.9887% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.0227% | 5,634 |
| Net loans and leases to deposits | 50.2871% | 5,820 |
| Net loans and leases to core deposits | 52.2308% | 5,871 |
| Total domestic deposits to total assets | 89.5312% | 1,308 |
| Equity capital to assets | 10.0494% | 3,854 |
| Core capital (leverage) ratio | 9.9489% | 3,590 |
| Tier 1 risk-based capital ratio | 15.7212% | 3,352 |
| Total risk-based capital ratio | 16.9762% | 3,300 |
| Memoranda: | ||
| Average total assets | $235,842,330 | 2,688 |
| Average earning assets | $215,030,000 | 2,691 |
| Average equity | $26,247,670 | 2,565 |
| Average total loans | $118,347,000 | 3,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 6,205 |
| Cost of funding earning assets | 0.2601% | 6,219 |
| Net interest margin | 3.0118% | 5,533 |
| Noninterest income to average assets | 0.4816% | 3,908 |
| Noninterest expense to average assets | 2.8734% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2703% | 5,662 |
| Return on assets (ROA) | 0.2703% | 5,781 |
| Pretax return on assets | 0.4064% | 5,542 |
| Return on Equity (ROE) | 2.2989% | 5,846 |
| Retained earnings to average equity (ytd only) | 2.2989% | 4,874 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6092% | 1,366 |
| Assets per employee ($millions) | 7.7808% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 1,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 48.4839% | 5,176 |
| Net loans and leases to deposits | 54.8590% | 5,367 |
| Net loans and leases to core deposits | 57.1792% | 5,423 |
| Total domestic deposits to total assets | 88.3791% | 2,079 |
| Equity capital to assets | 11.2893% | 2,642 |
| Core capital (leverage) ratio | 10.8238% | 2,432 |
| Tier 1 risk-based capital ratio | 16.8806% | 2,812 |
| Total risk-based capital ratio | 18.1374% | 2,780 |
| Memoranda: | ||
| Average total assets | $223,428,000 | 2,839 |
| Average earning assets | $207,584,000 | 2,816 |
| Average equity | $26,273,500 | 2,585 |
| Average total loans | $117,567,000 | 3,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 5,702 |
| Cost of funding earning assets | 0.2608% | 6,626 |
| Net interest margin | 3.5921% | 4,123 |
| Noninterest income to average assets | 0.6298% | 3,111 |
| Noninterest expense to average assets | 3.3060% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9050% | 427 |
| Return on assets (ROA) | 1.9172% | 460 |
| Pretax return on assets | 0.7119% | 4,629 |
| Return on Equity (ROE) | 14.3053% | 934 |
| Retained earnings to average equity (ytd only) | 14.3053% | 189 |
| Net charge-offs to loans | -0.0037% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5329% | 1,802 |
| Assets per employee ($millions) | 7.6226% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.7580% | 4,495 |
| Net loans and leases to deposits | 62.7128% | 4,693 |
| Net loans and leases to core deposits | 64.9814% | 4,839 |
| Total domestic deposits to total assets | 87.3154% | 2,637 |
| Equity capital to assets | 12.2732% | 1,875 |
| Core capital (leverage) ratio | 11.7746% | 1,684 |
| Tier 1 risk-based capital ratio | 16.8126% | 2,741 |
| Total risk-based capital ratio | 18.0698% | 2,701 |
| Memoranda: | ||
| Average total assets | $180,371,200 | 3,309 |
| Average earning assets | $169,508,600 | 3,236 |
| Average equity | $24,172,800 | 2,735 |
| Average total loans | $108,968,000 | 3,318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 5,746 |
| Cost of funding earning assets | 0.2624% | 6,760 |
| Net interest margin | 3.6553% | 3,984 |
| Noninterest income to average assets | 0.5500% | 3,613 |
| Noninterest expense to average assets | 3.3087% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.3551% | 222 |
| Return on assets (ROA) | 2.3760% | 234 |
| Pretax return on assets | 0.7042% | 4,850 |
| Return on Equity (ROE) | 17.2780% | 580 |
| Retained earnings to average equity (ytd only) | 17.2780% | 146 |
| Net charge-offs to loans | -0.0038% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8838% | 1,716 |
| Assets per employee ($millions) | 7.5845% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.8813% | 3,979 |
| Net loans and leases to deposits | 68.4525% | 4,105 |
| Net loans and leases to core deposits | 71.2287% | 4,349 |
| Total domestic deposits to total assets | 86.0178% | 3,248 |
| Equity capital to assets | 13.6020% | 1,305 |
| Core capital (leverage) ratio | 13.4032% | 1,045 |
| Tier 1 risk-based capital ratio | 17.6502% | 2,479 |
| Total risk-based capital ratio | 18.9083% | 2,446 |
| Memoranda: | ||
| Average total assets | $172,106,000 | 3,448 |
| Average earning assets | $162,059,750 | 3,388 |
| Average equity | $23,667,250 | 2,804 |
| Average total loans | $106,356,000 | 3,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 5,718 |
| Cost of funding earning assets | 0.2556% | 6,893 |
| Net interest margin | 3.7204% | 3,723 |
| Noninterest income to average assets | 0.5088% | 3,868 |
| Noninterest expense to average assets | 3.3608% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5816% | 4,446 |
| Return on assets (ROA) | 0.6098% | 4,581 |
| Pretax return on assets | 0.7001% | 4,832 |
| Return on Equity (ROE) | 4.4165% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.4165% | 3,665 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4279% | 1,690 |
| Assets per employee ($millions) | 6.4518% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2574% | 1,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 65.5884% | 2,755 |
| Net loans and leases to deposits | 76.5733% | 2,905 |
| Net loans and leases to core deposits | 80.9795% | 3,087 |
| Total domestic deposits to total assets | 85.6545% | 3,532 |
| Equity capital to assets | 13.8638% | 1,159 |
| Core capital (leverage) ratio | 13.8371% | 852 |
| Tier 1 risk-based capital ratio | 17.3344% | 2,532 |
| Total risk-based capital ratio | 18.5939% | 2,495 |
| Memoranda: | ||
| Average total assets | $166,270,670 | 3,563 |
| Average earning assets | $157,296,000 | 3,476 |
| Average equity | $22,959,330 | 2,857 |
| Average total loans | $103,744,670 | 3,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 6,070 |
| Cost of funding earning assets | 0.2414% | 7,028 |
| Net interest margin | 3.6384% | 4,090 |
| Noninterest income to average assets | 0.4857% | 4,015 |
| Noninterest expense to average assets | 3.2864% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5872% | 4,408 |
| Return on assets (ROA) | 0.5872% | 4,626 |
| Pretax return on assets | 0.6597% | 4,910 |
| Return on Equity (ROE) | 4.2611% | 5,157 |
| Retained earnings to average equity (ytd only) | 4.2611% | 4,031 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2823% | 1,761 |
| Assets per employee ($millions) | 6.7726% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5101% | 1,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.7178% | 3,507 |
| Net loans and leases to deposits | 71.0556% | 3,578 |
| Net loans and leases to core deposits | 75.4584% | 3,692 |
| Total domestic deposits to total assets | 85.4511% | 3,818 |
| Equity capital to assets | 14.1477% | 969 |
| Core capital (leverage) ratio | 14.1681% | 758 |
| Tier 1 risk-based capital ratio | 18.7272% | 2,074 |
| Total risk-based capital ratio | 19.9883% | 2,037 |
| Memoranda: | ||
| Average total assets | $165,533,000 | 3,588 |
| Average earning assets | $157,431,000 | 3,481 |
| Average equity | $22,811,000 | 2,873 |
| Average total loans | $99,335,500 | 3,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 6,812 |
| Cost of funding earning assets | 0.3027% | 7,104 |
| Net interest margin | 3.4278% | 5,397 |
| Noninterest income to average assets | 0.6336% | 2,985 |
| Noninterest expense to average assets | 3.5578% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3488% | 5,073 |
| Return on assets (ROA) | 0.4103% | 5,004 |
| Pretax return on assets | 0.4527% | 5,122 |
| Return on Equity (ROE) | 2.7257% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.7257% | 4,294 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2338% | 1,167 |
| Assets per employee ($millions) | 7.0218% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6078% | 1,184 |
| Loan loss allowance to noncurrent loans | 243.3908% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,410 |
| Noncurrent loans to loans | 1.0715% | 4,566 |
| Net loans and leases to total assets | 56.3107% | 4,649 |
| Net loans and leases to deposits | 65.3642% | 4,824 |
| Net loans and leases to core deposits | 68.9814% | 4,905 |
| Total domestic deposits to total assets | 86.1492% | 3,230 |
| Equity capital to assets | 13.4260% | 1,306 |
| Core capital (leverage) ratio | 13.8177% | 869 |
| Tier 1 risk-based capital ratio | 19.4824% | 1,768 |
| Total risk-based capital ratio | 20.7454% | 1,727 |
| Memoranda: | ||
| Average total assets | $146,468,000 | 3,863 |
| Average earning assets | $141,404,400 | 3,717 |
| Average equity | $22,049,000 | 2,889 |
| Average total loans | $82,369,800 | 4,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7327% | 6,905 |
| Cost of funding earning assets | 0.3222% | 7,177 |
| Net interest margin | 3.4104% | 5,540 |
| Noninterest income to average assets | 0.8031% | 2,042 |
| Noninterest expense to average assets | 3.7297% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3098% | 5,363 |
| Return on assets (ROA) | 0.3424% | 5,414 |
| Pretax return on assets | 0.4058% | 5,450 |
| Return on Equity (ROE) | 2.2034% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.2034% | 5,021 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0413% | 1,107 |
| Assets per employee ($millions) | 6.6418% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 978 |
| Loan loss allowance to noncurrent loans | 3,061.4458% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 6,912 |
| Noncurrent loans to loans | 0.0931% | 6,699 |
| Net loans and leases to total assets | 56.6715% | 4,736 |
| Net loans and leases to deposits | 66.8391% | 4,781 |
| Net loans and leases to core deposits | 71.1906% | 4,820 |
| Total domestic deposits to total assets | 84.7880% | 3,875 |
| Equity capital to assets | 14.6700% | 940 |
| Core capital (leverage) ratio | 15.4745% | 581 |
| Tier 1 risk-based capital ratio | 20.0412% | 1,675 |
| Total risk-based capital ratio | 21.3052% | 1,641 |
| Memoranda: | ||
| Average total assets | $140,954,000 | 3,977 |
| Average earning assets | $136,127,250 | 3,834 |
| Average equity | $21,904,750 | 2,896 |
| Average total loans | $78,602,750 | 4,220 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 7,129 |
| Cost of funding earning assets | 0.3484% | 7,228 |
| Net interest margin | 3.2096% | 6,131 |
| Noninterest income to average assets | 1.0626% | 1,166 |
| Noninterest expense to average assets | 3.9951% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1737% | 5,819 |
| Return on assets (ROA) | 0.2365% | 5,727 |
| Pretax return on assets | 0.2365% | 5,846 |
| Return on Equity (ROE) | 1.4906% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.4906% | 5,236 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8333% | 887 |
| Assets per employee ($millions) | 6.5154% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9087% | 973 |
| Loan loss allowance to noncurrent loans | 3,061.4458% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 6,956 |
| Noncurrent loans to loans | 0.0950% | 6,739 |
| Net loans and leases to total assets | 59.1741% | 4,431 |
| Net loans and leases to deposits | 70.4623% | 4,374 |
| Net loans and leases to core deposits | 75.4678% | 4,380 |
| Total domestic deposits to total assets | 83.9798% | 4,360 |
| Equity capital to assets | 15.4021% | 717 |
| Core capital (leverage) ratio | 16.1251% | 493 |
| Tier 1 risk-based capital ratio | 20.5629% | 1,504 |
| Total risk-based capital ratio | 21.8283% | 1,477 |
| Memoranda: | ||
| Average total assets | $137,018,330 | 4,085 |
| Average earning assets | $132,602,670 | 3,933 |
| Average equity | $21,736,330 | 2,904 |
| Average total loans | $75,099,330 | 4,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 7,254 |
| Cost of funding earning assets | 0.3825% | 7,259 |
| Net interest margin | 3.0418% | 6,486 |
| Noninterest income to average assets | 1.4822% | 584 |
| Noninterest expense to average assets | 4.4047% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0239% | 6,293 |
| Return on assets (ROA) | 0.1524% | 5,993 |
| Pretax return on assets | 0.1524% | 6,047 |
| Return on Equity (ROE) | 0.9459% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.9459% | 5,454 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4602% | 770 |
| Assets per employee ($millions) | 6.1736% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5582% | 580 |
| Loan loss allowance to noncurrent loans | 3,025.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 7,007 |
| Noncurrent loans to loans | 0.1176% | 6,753 |
| Net loans and leases to total assets | 50.7087% | 5,754 |
| Net loans and leases to deposits | 61.9392% | 5,502 |
| Net loans and leases to core deposits | 66.7190% | 5,438 |
| Total domestic deposits to total assets | 81.8685% | 5,359 |
| Equity capital to assets | 15.9337% | 585 |
| Core capital (leverage) ratio | 15.9273% | 516 |
| Tier 1 risk-based capital ratio | 23.7498% | 998 |
| Total risk-based capital ratio | 25.0208% | 975 |
| Memoranda: | ||
| Average total assets | $133,858,500 | 4,176 |
| Average earning assets | $129,661,500 | 4,033 |
| Average equity | $21,566,000 | 2,914 |
| Average total loans | $68,969,000 | 4,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 7,257 |
| Cost of funding earning assets | 0.4840% | 7,319 |
| Net interest margin | 3.3084% | 5,952 |
| Noninterest income to average assets | 0.3724% | 5,117 |
| Noninterest expense to average assets | 3.9249% | 1,269 |
| Loan and lease loss provision to assets | -0.1662% | 7,617 |
| Net operating income to assets | -0.1820% | 6,095 |
| Return on assets (ROA) | -0.1687% | 6,127 |
| Pretax return on assets | -0.1687% | 6,060 |
| Return on Equity (ROE) | -0.9551% | 6,063 |
| Retained earnings to average equity (ytd only) | -0.9551% | 5,798 |
| Net charge-offs to loans | -0.4647% | 7,588 |
| Credit loss provision to net charge-offs | 61.7284% | 6,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7374% | 539 |
| Assets per employee ($millions) | 5.9954% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8196% | 463 |
| Loan loss allowance to noncurrent loans | 2,954.6512% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 7,065 |
| Noncurrent loans to loans | 0.1293% | 6,814 |
| Net loans and leases to total assets | 48.5102% | 6,335 |
| Net loans and leases to deposits | 58.2700% | 6,231 |
| Net loans and leases to core deposits | 63.1355% | 6,137 |
| Total domestic deposits to total assets | 83.2507% | 4,694 |
| Equity capital to assets | 16.2937% | 541 |
| Core capital (leverage) ratio | 16.5293% | 446 |
| Tier 1 risk-based capital ratio | 27.1839% | 664 |
| Total risk-based capital ratio | 28.4596% | 654 |
| Memoranda: | ||
| Average total assets | $120,309,600 | 4,476 |
| Average earning assets | $116,521,600 | 4,304 |
| Average equity | $21,254,200 | 2,974 |
| Average total loans | $69,716,800 | 4,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 7,332 |
| Cost of funding earning assets | 0.5215% | 7,417 |
| Net interest margin | 3.3886% | 5,721 |
| Noninterest income to average assets | 0.3986% | 4,970 |
| Noninterest expense to average assets | 4.0324% | 1,013 |
| Loan and lease loss provision to assets | -0.0852% | 7,697 |
| Net operating income to assets | -0.2725% | 6,400 |
| Return on assets (ROA) | -0.2544% | 6,433 |
| Pretax return on assets | -0.2544% | 6,368 |
| Return on Equity (ROE) | -1.4091% | 6,328 |
| Retained earnings to average equity (ytd only) | -1.4091% | 6,085 |
| Net charge-offs to loans | -0.5937% | 7,687 |
| Credit loss provision to net charge-offs | 23.8854% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7342% | 530 |
| Assets per employee ($millions) | 5.6018% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8769% | 405 |
| Loan loss allowance to noncurrent loans | 3,018.1818% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 7,161 |
| Noncurrent loans to loans | 0.1285% | 6,923 |
| Net loans and leases to total assets | 53.4352% | 5,927 |
| Net loans and leases to deposits | 65.5645% | 5,713 |
| Net loans and leases to core deposits | 71.2286% | 5,609 |
| Total domestic deposits to total assets | 81.5002% | 5,203 |
| Equity capital to assets | 17.3500% | 483 |
| Core capital (leverage) ratio | 17.2363% | 408 |
| Tier 1 risk-based capital ratio | 26.6059% | 730 |
| Total risk-based capital ratio | 27.8833% | 705 |
| Memoranda: | ||
| Average total assets | $117,412,500 | 4,601 |
| Average earning assets | $113,514,500 | 4,444 |
| Average equity | $21,195,000 | 3,024 |
| Average total loans | $70,514,750 | 4,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 7,413 |
| Cost of funding earning assets | 0.5554% | 7,478 |
| Net interest margin | 3.3609% | 5,793 |
| Noninterest income to average assets | 0.5387% | 3,802 |
| Noninterest expense to average assets | 4.1465% | 867 |
| Loan and lease loss provision to assets | 0.1299% | 5,581 |
| Net operating income to assets | -0.4884% | 6,640 |
| Return on assets (ROA) | -0.4763% | 6,666 |
| Pretax return on assets | -0.4763% | 6,569 |
| Return on Equity (ROE) | -2.6026% | 6,476 |
| Retained earnings to average equity (ytd only) | -2.6026% | 6,238 |
| Net charge-offs to loans | 0.1686% | 4,607 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | -3.4500% | 6,271 |
| Efficiency ratio | 109.4650% | 558 |
| Assets per employee ($millions) | 5.5833% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3931% | 593 |
| Loan loss allowance to noncurrent loans | 440.5797% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 6,328 |
| Noncurrent loans to loans | 0.7702% | 5,729 |
| Net loans and leases to total assets | 56.3713% | 5,644 |
| Net loans and leases to deposits | 68.5992% | 5,474 |
| Net loans and leases to core deposits | 74.8319% | 5,344 |
| Total domestic deposits to total assets | 82.1748% | 4,920 |
| Equity capital to assets | 17.2984% | 490 |
| Core capital (leverage) ratio | 18.1067% | 349 |
| Tier 1 risk-based capital ratio | 25.0241% | 842 |
| Total risk-based capital ratio | 26.2953% | 823 |
| Memoranda: | ||
| Average total assets | $115,470,330 | 4,670 |
| Average earning assets | $111,636,000 | 4,518 |
| Average equity | $21,132,670 | 3,021 |
| Average total loans | $71,183,330 | 4,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 7,319 |
| Cost of funding earning assets | 0.6307% | 7,494 |
| Net interest margin | 3.5221% | 5,076 |
| Noninterest income to average assets | 0.1360% | 7,000 |
| Noninterest expense to average assets | 4.3832% | 649 |
| Loan and lease loss provision to assets | 0.2684% | 3,877 |
| Net operating income to assets | -1.0985% | 7,166 |
| Return on assets (ROA) | -1.0985% | 7,180 |
| Pretax return on assets | -1.0985% | 7,098 |
| Return on Equity (ROE) | -5.8268% | 6,930 |
| Retained earnings to average equity (ytd only) | -5.8268% | 6,649 |
| Net charge-offs to loans | 0.3440% | 3,034 |
| Credit loss provision to net charge-offs | 122.9508% | 2,845 |
| Earnings coverage of net charge-offs (x) | -3.8033% | 5,515 |
| Efficiency ratio | 123.3635% | 408 |
| Assets per employee ($millions) | 5.2576% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4381% | 570 |
| Loan loss allowance to noncurrent loans | 155.6338% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 4,491 |
| Noncurrent loans to loans | 2.2091% | 3,515 |
| Net loans and leases to total assets | 59.0281% | 5,284 |
| Net loans and leases to deposits | 75.2809% | 4,532 |
| Net loans and leases to core deposits | 84.3059% | 4,163 |
| Total domestic deposits to total assets | 78.4104% | 6,223 |
| Equity capital to assets | 18.1685% | 409 |
| Core capital (leverage) ratio | 18.8264% | 317 |
| Tier 1 risk-based capital ratio | 26.1872% | 759 |
| Total risk-based capital ratio | 27.4606% | 747 |
| Memoranda: | ||
| Average total assets | $111,789,500 | 4,828 |
| Average earning assets | $108,458,000 | 4,649 |
| Average equity | $21,075,000 | 3,060 |
| Average total loans | $70,938,000 | 4,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 7,692 |
| Cost of funding earning assets | 0.9297% | 7,344 |
| Net interest margin | 3.0776% | 6,444 |
| Noninterest income to average assets | 0.2669% | 6,204 |
| Noninterest expense to average assets | 4.6312% | 696 |
| Loan and lease loss provision to assets | 2.2028% | 944 |
| Net operating income to assets | -3.5725% | 7,525 |
| Return on assets (ROA) | -3.5725% | 7,531 |
| Pretax return on assets | -3.5725% | 7,435 |
| Return on Equity (ROE) | -15.9829% | 6,989 |
| Retained earnings to average equity (ytd only) | -15.9829% | 6,938 |
| Net charge-offs to loans | 1.4042% | 1,786 |
| Credit loss provision to net charge-offs | 217.9612% | 1,743 |
| Earnings coverage of net charge-offs (x) | -1.3553% | 6,935 |
| Efficiency ratio | 141.9976% | 368 |
| Assets per employee ($millions) | 4.4963% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3961% | 578 |
| Loan loss allowance to noncurrent loans | 45.0513% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 4.9716% | 1,240 |
| Noncurrent loans to loans | 7.5384% | 696 |
| Net loans and leases to total assets | 63.7112% | 4,651 |
| Net loans and leases to deposits | 79.6977% | 4,047 |
| Net loans and leases to core deposits | 104.3484% | 3,530 |
| Total domestic deposits to total assets | 79.9411% | 5,684 |
| Equity capital to assets | 19.5854% | 327 |
| Core capital (leverage) ratio | 19.4023% | 309 |
| Tier 1 risk-based capital ratio | 26.1799% | 747 |
| Total risk-based capital ratio | 27.4521% | 733 |
| Memoranda: | ||
| Average total assets | $101,916,400 | 5,045 |
| Average earning assets | $99,168,400 | 4,862 |
| Average equity | $22,780,600 | 2,854 |
| Average total loans | $73,351,400 | 4,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 7,765 |
| Cost of funding earning assets | 0.9906% | 7,409 |
| Net interest margin | 3.1314% | 6,226 |
| Noninterest income to average assets | 0.2934% | 6,129 |
| Noninterest expense to average assets | 4.6684% | 628 |
| Loan and lease loss provision to assets | 2.6157% | 620 |
| Net operating income to assets | -3.9434% | 7,742 |
| Return on assets (ROA) | -3.9434% | 7,744 |
| Pretax return on assets | -3.9434% | 7,679 |
| Return on Equity (ROE) | -17.0744% | 7,277 |
| Retained earnings to average equity (ytd only) | -17.0744% | 7,236 |
| Net charge-offs to loans | 1.4903% | 1,375 |
| Credit loss provision to net charge-offs | 238.4988% | 1,833 |
| Earnings coverage of net charge-offs (x) | -1.2106% | 6,661 |
| Efficiency ratio | 139.7456% | 392 |
| Assets per employee ($millions) | 4.4235% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1749% | 576 |
| Loan loss allowance to noncurrent loans | 48.8038% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 4.5279% | 1,345 |
| Noncurrent loans to loans | 6.5055% | 885 |
| Net loans and leases to total assets | 67.3917% | 4,093 |
| Net loans and leases to deposits | 85.4360% | 3,426 |
| Net loans and leases to core deposits | 114.0941% | 2,817 |
| Total domestic deposits to total assets | 78.8796% | 5,846 |
| Equity capital to assets | 20.5062% | 305 |
| Core capital (leverage) ratio | 19.9292% | 314 |
| Tier 1 risk-based capital ratio | 26.1737% | 811 |
| Total risk-based capital ratio | 27.4441% | 791 |
| Memoranda: | ||
| Average total assets | $100,417,500 | 5,113 |
| Average earning assets | $97,718,500 | 4,931 |
| Average equity | $23,192,000 | 2,833 |
| Average total loans | $73,897,000 | 4,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 7,802 |
| Cost of funding earning assets | 1.0357% | 7,486 |
| Net interest margin | 3.2052% | 5,897 |
| Noninterest income to average assets | 0.1279% | 7,330 |
| Noninterest expense to average assets | 4.8039% | 591 |
| Loan and lease loss provision to assets | 2.4263% | 653 |
| Net operating income to assets | -3.9857% | 7,828 |
| Return on assets (ROA) | -3.9857% | 7,821 |
| Pretax return on assets | -3.9857% | 7,746 |
| Return on Equity (ROE) | -16.5892% | 7,405 |
| Retained earnings to average equity (ytd only) | -16.5892% | 7,328 |
| Net charge-offs to loans | 2.1245% | 866 |
| Credit loss provision to net charge-offs | 152.2293% | 3,018 |
| Earnings coverage of net charge-offs (x) | -0.9783% | 6,223 |
| Efficiency ratio | 148.0601% | 383 |
| Assets per employee ($millions) | 4.6954% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 1,519 |
| Loan loss allowance to noncurrent loans | 55.1866% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.8277% | 2,268 |
| Noncurrent loans to loans | 3.6685% | 1,895 |
| Net loans and leases to total assets | 75.5206% | 2,308 |
| Net loans and leases to deposits | 97.4894% | 1,606 |
| Net loans and leases to core deposits | 133.0536% | 1,369 |
| Total domestic deposits to total assets | 77.4654% | 6,209 |
| Equity capital to assets | 21.8908% | 288 |
| Core capital (leverage) ratio | 22.3625% | 265 |
| Tier 1 risk-based capital ratio | 24.5874% | 974 |
| Total risk-based capital ratio | 25.8296% | 964 |
| Memoranda: | ||
| Average total assets | $98,502,330 | 5,200 |
| Average earning assets | $95,780,670 | 5,017 |
| Average equity | $23,666,000 | 2,796 |
| Average total loans | $73,899,000 | 4,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 7,850 |
| Cost of funding earning assets | 1.0817% | 7,543 |
| Net interest margin | 3.2152% | 5,814 |
| Noninterest income to average assets | 0.1831% | 6,983 |
| Noninterest expense to average assets | 4.4535% | 746 |
| Loan and lease loss provision to assets | 0.4162% | 2,838 |
| Net operating income to assets | -1.5566% | 7,523 |
| Return on assets (ROA) | -1.5566% | 7,523 |
| Pretax return on assets | -1.5566% | 7,390 |
| Return on Equity (ROE) | -6.1837% | 7,078 |
| Retained earnings to average equity (ytd only) | -6.1837% | 6,708 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.4221% | 464 |
| Assets per employee ($millions) | 4.6573% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 1,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.5806% | 3,331 |
| Net loans and leases to deposits | 95.6812% | 1,992 |
| Net loans and leases to core deposits | 132.6160% | 1,498 |
| Total domestic deposits to total assets | 74.8116% | 6,744 |
| Equity capital to assets | 24.5994% | 230 |
| Core capital (leverage) ratio | 24.9437% | 232 |
| Tier 1 risk-based capital ratio | 28.4808% | 719 |
| Total risk-based capital ratio | 29.7359% | 701 |
| Memoranda: | ||
| Average total assets | $96,104,000 | 5,302 |
| Average earning assets | $93,554,500 | 5,101 |
| Average equity | $24,192,500 | 2,745 |
| Average total loans | $71,036,500 | 4,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 7,716 |
| Cost of funding earning assets | 1.2214% | 7,920 |
| Net interest margin | 3.9383% | 3,406 |
| Noninterest income to average assets | 0.3193% | 6,173 |
| Noninterest expense to average assets | 5.1857% | 578 |
| Loan and lease loss provision to assets | 1.0188% | 1,443 |
| Net operating income to assets | -2.0996% | 7,627 |
| Return on assets (ROA) | -2.0996% | 7,588 |
| Pretax return on assets | -2.0996% | 7,469 |
| Return on Equity (ROE) | -6.7724% | 7,025 |
| Retained earnings to average equity (ytd only) | -6.7724% | 6,759 |
| Net charge-offs to loans | 0.0338% | 6,343 |
| Credit loss provision to net charge-offs | 4,555.5556% | 109 |
| Earnings coverage of net charge-offs (x) | -48.3333% | 6,983 |
| Efficiency ratio | 126.3317% | 496 |
| Assets per employee ($millions) | 4.4955% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.6836% | 3,191 |
| Net loans and leases to deposits | 100.1166% | 1,823 |
| Net loans and leases to core deposits | 137.7336% | 1,391 |
| Total domestic deposits to total assets | 73.5978% | 6,719 |
| Equity capital to assets | 25.7677% | 248 |
| Core capital (leverage) ratio | 26.0427% | 243 |
| Tier 1 risk-based capital ratio | 29.6194% | 660 |
| Total risk-based capital ratio | 30.8724% | 641 |
| Memoranda: | ||
| Average total assets | $80,490,400 | 5,685 |
| Average earning assets | $77,368,600 | 5,533 |
| Average equity | $24,954,400 | 2,637 |
| Average total loans | $53,176,200 | 5,569 |