Home > Fortune Bank > Performance and Condition Ratios
Fortune Bank, Performance and Condition Ratios
| 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 | 4.0864% | 3,819 |
| Cost of funding earning assets | 0.3067% | 5,675 |
| Net interest margin | 3.7797% | 2,714 |
| Noninterest income to average assets | 0.8013% | 2,138 |
| Noninterest expense to average assets | 4.1205% | 750 |
| Loan and lease loss provision to assets | 0.0468% | 4,082 |
| Net operating income to assets | 2.5310% | 167 |
| Return on assets (ROA) | 2.5310% | 172 |
| Pretax return on assets | 0.1487% | 6,140 |
| Return on Equity (ROE) | 19.3886% | 345 |
| Retained earnings to average equity (ytd only) | 19.3886% | 87 |
| Net charge-offs to loans | 0.4861% | 1,321 |
| Credit loss provision to net charge-offs | 12.7877% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.5345% | 4,686 |
| Efficiency ratio | 95.4723% | 650 |
| Assets per employee ($millions) | 5.5250% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,371 |
| Loan loss allowance to noncurrent loans | 49.9640% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 4.0425% | 763 |
| Noncurrent loans to loans | 2.6096% | 1,631 |
| Net loans and leases to total assets | 73.1401% | 1,425 |
| Net loans and leases to deposits | 84.7839% | 1,765 |
| Net loans and leases to core deposits | 98.5785% | 1,198 |
| Total domestic deposits to total assets | 86.2665% | 3,097 |
| Equity capital to assets | 13.4467% | 1,139 |
| Core capital (leverage) ratio | 12.1832% | 1,568 |
| Tier 1 risk-based capital ratio | 14.8182% | 3,867 |
| Total risk-based capital ratio | 16.0409% | 3,839 |
| Memoranda: | ||
| Average total assets | $142,599,750 | 3,875 |
| Average earning assets | $132,598,000 | 3,826 |
| Average equity | $18,615,250 | 3,358 |
| Average total loans | $107,246,500 | 3,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,842 |
| Cost of funding earning assets | 0.3323% | 5,547 |
| Net interest margin | 3.7388% | 2,809 |
| Noninterest income to average assets | 0.9392% | 1,690 |
| Noninterest expense to average assets | 4.1940% | 699 |
| Loan and lease loss provision to assets | 0.0703% | 3,629 |
| Net operating income to assets | 3.7371% | 74 |
| Return on assets (ROA) | 3.7371% | 77 |
| Pretax return on assets | 0.1547% | 6,154 |
| Return on Equity (ROE) | 28.9201% | 79 |
| Retained earnings to average equity (ytd only) | 28.9201% | 37 |
| Net charge-offs to loans | 0.7292% | 892 |
| Credit loss provision to net charge-offs | 12.7551% | 3,861 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 4,403 |
| Efficiency ratio | 94.9093% | 713 |
| Assets per employee ($millions) | 5.2416% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,322 |
| Loan loss allowance to noncurrent loans | 48.3444% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 4.1675% | 814 |
| Noncurrent loans to loans | 2.7689% | 1,638 |
| Net loans and leases to total assets | 72.2335% | 1,536 |
| Net loans and leases to deposits | 84.6145% | 1,725 |
| Net loans and leases to core deposits | 101.3724% | 984 |
| Total domestic deposits to total assets | 85.3677% | 3,716 |
| Equity capital to assets | 13.6239% | 1,078 |
| Core capital (leverage) ratio | 12.1700% | 1,523 |
| Tier 1 risk-based capital ratio | 15.4925% | 3,487 |
| Total risk-based capital ratio | 16.7431% | 3,439 |
| Memoranda: | ||
| Average total assets | $142,250,000 | 3,905 |
| Average earning assets | $132,395,000 | 3,856 |
| Average equity | $18,381,670 | 3,412 |
| Average total loans | $107,511,000 | 3,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,709 |
| Cost of funding earning assets | 0.3601% | 5,448 |
| Net interest margin | 3.7441% | 2,681 |
| Noninterest income to average assets | 1.0013% | 1,454 |
| Noninterest expense to average assets | 4.2240% | 691 |
| Loan and lease loss provision to assets | 0.1402% | 2,487 |
| Net operating income to assets | 7.3121% | 29 |
| Return on assets (ROA) | 7.3121% | 31 |
| Pretax return on assets | 0.1655% | 6,145 |
| Return on Equity (ROE) | 58.1530% | 22 |
| Retained earnings to average equity (ytd only) | 58.1530% | 13 |
| Net charge-offs to loans | 0.4020% | 1,451 |
| Credit loss provision to net charge-offs | 45.4545% | 2,673 |
| Earnings coverage of net charge-offs (x) | 0.9909% | 3,507 |
| Efficiency ratio | 93.2508% | 895 |
| Assets per employee ($millions) | 5.0486% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,684 |
| Loan loss allowance to noncurrent loans | 23.5294% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 5.9514% | 536 |
| Noncurrent loans to loans | 6.5169% | 489 |
| Net loans and leases to total assets | 75.7707% | 868 |
| Net loans and leases to deposits | 88.4163% | 1,107 |
| Net loans and leases to core deposits | 105.9435% | 644 |
| Total domestic deposits to total assets | 85.6977% | 3,679 |
| Equity capital to assets | 13.6133% | 1,174 |
| Core capital (leverage) ratio | 12.2499% | 1,438 |
| Tier 1 risk-based capital ratio | 15.9038% | 3,320 |
| Total risk-based capital ratio | 17.1547% | 3,285 |
| Memoranda: | ||
| Average total assets | $142,613,500 | 3,933 |
| Average earning assets | $134,399,500 | 3,856 |
| Average equity | $17,932,000 | 3,533 |
| Average total loans | $109,459,500 | 3,297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 2,839 |
| Cost of funding earning assets | 0.4468% | 5,602 |
| Net interest margin | 4.1947% | 1,680 |
| Noninterest income to average assets | 1.4589% | 735 |
| Noninterest expense to average assets | 4.4980% | 584 |
| Loan and lease loss provision to assets | 0.7618% | 656 |
| Net operating income to assets | 0.4048% | 5,083 |
| Return on assets (ROA) | 0.4048% | 5,334 |
| Pretax return on assets | 0.1901% | 6,004 |
| Return on Equity (ROE) | 3.4294% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.4294% | 3,813 |
| Net charge-offs to loans | 1.1321% | 918 |
| Credit loss provision to net charge-offs | 88.6824% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.1081% | 4,905 |
| Efficiency ratio | 82.5346% | 1,801 |
| Assets per employee ($millions) | 4.3595% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,443 |
| Loan loss allowance to noncurrent loans | 22.6665% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 6.2225% | 539 |
| Noncurrent loans to loans | 6.9257% | 466 |
| Net loans and leases to total assets | 75.3561% | 1,007 |
| Net loans and leases to deposits | 85.5179% | 1,575 |
| Net loans and leases to core deposits | 101.3841% | 929 |
| Total domestic deposits to total assets | 88.1173% | 2,158 |
| Equity capital to assets | 11.5525% | 2,394 |
| Core capital (leverage) ratio | 11.8566% | 1,639 |
| Tier 1 risk-based capital ratio | 15.9683% | 3,180 |
| Total risk-based capital ratio | 17.2226% | 3,133 |
| Memoranda: | ||
| Average total assets | $137,839,600 | 3,993 |
| Average earning assets | $131,140,400 | 3,868 |
| Average equity | $16,271,200 | 3,745 |
| Average total loans | $104,587,200 | 3,408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 2,455 |
| Cost of funding earning assets | 0.4679% | 5,658 |
| Net interest margin | 4.3148% | 1,427 |
| Noninterest income to average assets | 1.5149% | 648 |
| Noninterest expense to average assets | 4.6405% | 480 |
| Loan and lease loss provision to assets | 0.5134% | 1,186 |
| Net operating income to assets | 0.4645% | 4,978 |
| Return on assets (ROA) | 0.4645% | 5,231 |
| Pretax return on assets | 0.4645% | 5,555 |
| Return on Equity (ROE) | 3.9132% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.9132% | 4,133 |
| Net charge-offs to loans | 0.7532% | 1,470 |
| Credit loss provision to net charge-offs | 90.0515% | 3,291 |
| Earnings coverage of net charge-offs (x) | 1.7153% | 4,412 |
| Efficiency ratio | 82.5936% | 1,744 |
| Assets per employee ($millions) | 4.0950% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 3,014 |
| Loan loss allowance to noncurrent loans | 273.8998% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 2.7624% | 1,905 |
| Noncurrent loans to loans | 0.6339% | 5,176 |
| Net loans and leases to total assets | 75.5968% | 1,030 |
| Net loans and leases to deposits | 86.6604% | 1,522 |
| Net loans and leases to core deposits | 101.7348% | 1,001 |
| Total domestic deposits to total assets | 87.2334% | 2,539 |
| Equity capital to assets | 12.1990% | 2,115 |
| Core capital (leverage) ratio | 12.7610% | 1,291 |
| Tier 1 risk-based capital ratio | 16.5340% | 2,979 |
| Total risk-based capital ratio | 17.7905% | 2,949 |
| Memoranda: | ||
| Average total assets | $136,333,250 | 4,056 |
| Average earning assets | $129,659,750 | 3,948 |
| Average equity | $16,184,000 | 3,789 |
| Average total loans | $103,199,000 | 3,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 2,867 |
| Cost of funding earning assets | 0.5017% | 5,606 |
| Net interest margin | 4.2098% | 1,725 |
| Noninterest income to average assets | 1.6002% | 581 |
| Noninterest expense to average assets | 4.4890% | 557 |
| Loan and lease loss provision to assets | 0.7679% | 673 |
| Net operating income to assets | 0.3569% | 5,395 |
| Return on assets (ROA) | 0.3569% | 5,617 |
| Pretax return on assets | 0.3569% | 5,810 |
| Return on Equity (ROE) | 3.0341% | 5,681 |
| Retained earnings to average equity (ytd only) | 3.0341% | 4,619 |
| Net charge-offs to loans | 1.5717% | 606 |
| Credit loss provision to net charge-offs | 64.8949% | 3,693 |
| Earnings coverage of net charge-offs (x) | 0.9506% | 4,558 |
| Efficiency ratio | 79.9635% | 2,185 |
| Assets per employee ($millions) | 4.1647% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,692 |
| Loan loss allowance to noncurrent loans | 67.0204% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 3.1695% | 1,720 |
| Noncurrent loans to loans | 2.3490% | 2,550 |
| Net loans and leases to total assets | 74.0746% | 1,233 |
| Net loans and leases to deposits | 84.8146% | 1,740 |
| Net loans and leases to core deposits | 102.0151% | 978 |
| Total domestic deposits to total assets | 87.3371% | 2,574 |
| Equity capital to assets | 12.1872% | 2,013 |
| Core capital (leverage) ratio | 12.4602% | 1,371 |
| Tier 1 risk-based capital ratio | 16.9902% | 2,665 |
| Total risk-based capital ratio | 18.2449% | 2,627 |
| Memoranda: | ||
| Average total assets | $136,733,000 | 4,059 |
| Average earning assets | $130,363,330 | 3,950 |
| Average equity | $16,083,670 | 3,795 |
| Average total loans | $102,944,670 | 3,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 2,966 |
| Cost of funding earning assets | 0.5523% | 5,484 |
| Net interest margin | 4.1693% | 1,853 |
| Noninterest income to average assets | 1.9500% | 425 |
| Noninterest expense to average assets | 4.4286% | 582 |
| Loan and lease loss provision to assets | 1.3346% | 278 |
| Net operating income to assets | 0.1560% | 6,104 |
| Return on assets (ROA) | 0.1560% | 6,235 |
| Pretax return on assets | 0.1560% | 6,280 |
| Return on Equity (ROE) | 1.3496% | 6,274 |
| Retained earnings to average equity (ytd only) | 1.3496% | 5,561 |
| Net charge-offs to loans | 2.9808% | 243 |
| Credit loss provision to net charge-offs | 59.4595% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.6641% | 4,003 |
| Efficiency ratio | 74.8170% | 2,973 |
| Assets per employee ($millions) | 4.4790% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,179 |
| Loan loss allowance to noncurrent loans | 51.1236% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 3.6884% | 1,536 |
| Noncurrent loans to loans | 2.9256% | 2,214 |
| Net loans and leases to total assets | 75.8240% | 820 |
| Net loans and leases to deposits | 86.5154% | 1,357 |
| Net loans and leases to core deposits | 107.9943% | 609 |
| Total domestic deposits to total assets | 87.6422% | 2,562 |
| Equity capital to assets | 11.9321% | 2,089 |
| Core capital (leverage) ratio | 11.5853% | 1,845 |
| Tier 1 risk-based capital ratio | 15.9573% | 3,198 |
| Total risk-based capital ratio | 17.2110% | 3,163 |
| Memoranda: | ||
| Average total assets | $138,464,000 | 4,064 |
| Average earning assets | $131,820,500 | 3,947 |
| Average equity | $16,004,500 | 3,816 |
| Average total loans | $104,267,500 | 3,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 4,648 |
| Cost of funding earning assets | 0.7781% | 5,015 |
| Net interest margin | 3.8302% | 3,674 |
| Noninterest income to average assets | 1.3779% | 675 |
| Noninterest expense to average assets | 4.1825% | 830 |
| Loan and lease loss provision to assets | 0.5852% | 1,769 |
| Net operating income to assets | 0.2793% | 5,333 |
| Return on assets (ROA) | 0.2793% | 5,489 |
| Pretax return on assets | 0.2793% | 5,611 |
| Return on Equity (ROE) | 2.6314% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.6314% | 4,354 |
| Net charge-offs to loans | 1.6026% | 989 |
| Credit loss provision to net charge-offs | 49.3537% | 5,438 |
| Earnings coverage of net charge-offs (x) | 0.7291% | 5,263 |
| Efficiency ratio | 82.8709% | 1,903 |
| Assets per employee ($millions) | 4.9158% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 2,958 |
| Loan loss allowance to noncurrent loans | 82.4336% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 2.9391% | 2,045 |
| Noncurrent loans to loans | 2.1503% | 3,007 |
| Net loans and leases to total assets | 72.4198% | 1,571 |
| Net loans and leases to deposits | 82.0082% | 2,197 |
| Net loans and leases to core deposits | 101.9533% | 1,030 |
| Total domestic deposits to total assets | 88.3080% | 1,960 |
| Equity capital to assets | 11.2066% | 2,788 |
| Core capital (leverage) ratio | 10.6322% | 2,578 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,817 |
| Total risk-based capital ratio | 15.9792% | 3,789 |
| Memoranda: | ||
| Average total assets | $143,550,600 | 3,919 |
| Average earning assets | $137,511,200 | 3,796 |
| Average equity | $15,239,200 | 3,863 |
| Average total loans | $106,203,600 | 3,468 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 4,933 |
| Cost of funding earning assets | 0.8152% | 5,046 |
| Net interest margin | 3.7671% | 4,026 |
| Noninterest income to average assets | 1.3973% | 668 |
| Noninterest expense to average assets | 4.2688% | 740 |
| Loan and lease loss provision to assets | 0.2225% | 3,792 |
| Net operating income to assets | 0.5220% | 4,448 |
| Return on assets (ROA) | 0.5220% | 4,634 |
| Pretax return on assets | 0.5220% | 5,075 |
| Return on Equity (ROE) | 4.9861% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.9861% | 3,181 |
| Net charge-offs to loans | 1.2196% | 1,279 |
| Credit loss provision to net charge-offs | 24.6407% | 5,497 |
| Earnings coverage of net charge-offs (x) | 0.8244% | 4,994 |
| Efficiency ratio | 85.1489% | 1,621 |
| Assets per employee ($millions) | 5.1088% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 2,524 |
| Loan loss allowance to noncurrent loans | 86.4525% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 3.5853% | 1,747 |
| Noncurrent loans to loans | 2.2370% | 3,065 |
| Net loans and leases to total assets | 65.8730% | 2,930 |
| Net loans and leases to deposits | 73.6723% | 3,696 |
| Net loans and leases to core deposits | 94.5212% | 1,743 |
| Total domestic deposits to total assets | 89.4136% | 1,186 |
| Equity capital to assets | 9.9978% | 4,344 |
| Core capital (leverage) ratio | 10.0278% | 3,396 |
| Tier 1 risk-based capital ratio | 14.3669% | 4,076 |
| Total risk-based capital ratio | 15.6246% | 4,038 |
| Memoranda: | ||
| Average total assets | $143,798,500 | 3,927 |
| Average earning assets | $138,034,750 | 3,802 |
| Average equity | $15,055,000 | 3,907 |
| Average total loans | $106,478,500 | 3,494 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 4,861 |
| Cost of funding earning assets | 0.8352% | 5,166 |
| Net interest margin | 3.7912% | 3,823 |
| Noninterest income to average assets | 1.6965% | 467 |
| Noninterest expense to average assets | 4.5178% | 583 |
| Loan and lease loss provision to assets | 0.1991% | 3,936 |
| Net operating income to assets | 0.6527% | 3,784 |
| Return on assets (ROA) | 0.6527% | 3,908 |
| Pretax return on assets | 0.6527% | 4,568 |
| Return on Equity (ROE) | 6.1340% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.1340% | 2,338 |
| Net charge-offs to loans | 0.8304% | 1,846 |
| Credit loss provision to net charge-offs | 31.3199% | 4,967 |
| Earnings coverage of net charge-offs (x) | 1.3400% | 4,285 |
| Efficiency ratio | 84.1367% | 1,800 |
| Assets per employee ($millions) | 4.9452% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 1,781 |
| Loan loss allowance to noncurrent loans | 41.4751% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 4.6536% | 1,343 |
| Noncurrent loans to loans | 5.4943% | 1,151 |
| Net loans and leases to total assets | 69.8936% | 2,242 |
| Net loans and leases to deposits | 78.3285% | 3,072 |
| Net loans and leases to core deposits | 100.7344% | 1,276 |
| Total domestic deposits to total assets | 89.2314% | 1,398 |
| Equity capital to assets | 10.2597% | 3,803 |
| Core capital (leverage) ratio | 10.3586% | 2,871 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,783 |
| Total risk-based capital ratio | 15.7765% | 3,746 |
| Memoranda: | ||
| Average total assets | $140,643,670 | 4,015 |
| Average earning assets | $136,262,000 | 3,853 |
| Average equity | $14,965,670 | 3,912 |
| Average total loans | $107,654,670 | 3,512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 4,370 |
| Cost of funding earning assets | 0.8720% | 5,118 |
| Net interest margin | 3.8580% | 3,350 |
| Noninterest income to average assets | 2.0353% | 347 |
| Noninterest expense to average assets | 4.9361% | 389 |
| Loan and lease loss provision to assets | 0.1901% | 3,727 |
| Net operating income to assets | 0.6609% | 3,703 |
| Return on assets (ROA) | 0.6609% | 3,777 |
| Pretax return on assets | 0.6609% | 4,452 |
| Return on Equity (ROE) | 6.0925% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.0925% | 2,582 |
| Net charge-offs to loans | 0.7120% | 1,790 |
| Credit loss provision to net charge-offs | 33.6788% | 4,057 |
| Earnings coverage of net charge-offs (x) | 1.5078% | 3,576 |
| Efficiency ratio | 85.2956% | 1,799 |
| Assets per employee ($millions) | 5.2382% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 1,650 |
| Loan loss allowance to noncurrent loans | 59.0764% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 3.3564% | 2,031 |
| Noncurrent loans to loans | 4.0051% | 1,816 |
| Net loans and leases to total assets | 75.7712% | 1,058 |
| Net loans and leases to deposits | 85.1339% | 1,860 |
| Net loans and leases to core deposits | 110.4123% | 699 |
| Total domestic deposits to total assets | 89.0024% | 1,771 |
| Equity capital to assets | 10.5797% | 3,097 |
| Core capital (leverage) ratio | 10.8843% | 2,274 |
| Tier 1 risk-based capital ratio | 13.7876% | 4,220 |
| Total risk-based capital ratio | 15.0518% | 4,191 |
| Memoranda: | ||
| Average total assets | $136,787,000 | 4,123 |
| Average earning assets | $133,023,000 | 3,957 |
| Average equity | $14,838,000 | 3,931 |
| Average total loans | $108,427,000 | 3,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 5,154 |
| Cost of funding earning assets | 1.0185% | 5,596 |
| Net interest margin | 3.8521% | 3,725 |
| Noninterest income to average assets | 1.0015% | 1,498 |
| Noninterest expense to average assets | 4.5705% | 607 |
| Loan and lease loss provision to assets | 0.3084% | 4,335 |
| Net operating income to assets | -0.1419% | 6,039 |
| Return on assets (ROA) | -0.1419% | 6,098 |
| Pretax return on assets | -0.1419% | 6,035 |
| Return on Equity (ROE) | -1.2546% | 6,092 |
| Retained earnings to average equity (ytd only) | -1.2546% | 5,849 |
| Net charge-offs to loans | 0.4622% | 3,769 |
| Credit loss provision to net charge-offs | 87.3362% | 5,233 |
| Earnings coverage of net charge-offs (x) | 0.4716% | 5,639 |
| Efficiency ratio | 96.4844% | 945 |
| Assets per employee ($millions) | 4.7194% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5445% | 1,358 |
| Loan loss allowance to noncurrent loans | 70.2682% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 3.5462% | 1,946 |
| Noncurrent loans to loans | 3.6212% | 2,068 |
| Net loans and leases to total assets | 78.9811% | 800 |
| Net loans and leases to deposits | 91.3633% | 1,344 |
| Net loans and leases to core deposits | 123.9231% | 428 |
| Total domestic deposits to total assets | 86.4473% | 3,108 |
| Equity capital to assets | 11.1342% | 2,563 |
| Core capital (leverage) ratio | 10.6437% | 2,423 |
| Tier 1 risk-based capital ratio | 13.7398% | 4,028 |
| Total risk-based capital ratio | 15.0021% | 4,000 |
| Memoranda: | ||
| Average total assets | $129,702,600 | 4,279 |
| Average earning assets | $125,774,200 | 4,108 |
| Average equity | $14,665,600 | 4,002 |
| Average total loans | $99,090,200 | 3,825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 5,651 |
| Cost of funding earning assets | 1.0127% | 5,881 |
| Net interest margin | 3.7894% | 4,010 |
| Noninterest income to average assets | 0.8634% | 1,941 |
| Noninterest expense to average assets | 4.4938% | 602 |
| Loan and lease loss provision to assets | 0.3202% | 4,027 |
| Net operating income to assets | -0.2789% | 6,411 |
| Return on assets (ROA) | -0.2789% | 6,460 |
| Pretax return on assets | -0.2789% | 6,394 |
| Return on Equity (ROE) | -2.4566% | 6,447 |
| Retained earnings to average equity (ytd only) | -2.4566% | 6,275 |
| Net charge-offs to loans | 0.3351% | 3,977 |
| Credit loss provision to net charge-offs | 127.0492% | 3,207 |
| Earnings coverage of net charge-offs (x) | 0.1639% | 5,858 |
| Efficiency ratio | 99.0890% | 774 |
| Assets per employee ($millions) | 4.6444% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7412% | 1,045 |
| Loan loss allowance to noncurrent loans | 106.5445% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 2.3246% | 3,056 |
| Noncurrent loans to loans | 2.5728% | 3,054 |
| Net loans and leases to total assets | 75.0499% | 1,577 |
| Net loans and leases to deposits | 87.2685% | 2,113 |
| Net loans and leases to core deposits | 127.7184% | 419 |
| Total domestic deposits to total assets | 85.9989% | 3,076 |
| Equity capital to assets | 10.8502% | 3,116 |
| Core capital (leverage) ratio | 10.9488% | 2,296 |
| Tier 1 risk-based capital ratio | 14.2460% | 3,667 |
| Total risk-based capital ratio | 15.5145% | 3,614 |
| Memoranda: | ||
| Average total assets | $129,092,500 | 4,346 |
| Average earning assets | $125,081,500 | 4,183 |
| Average equity | $14,653,750 | 4,066 |
| Average total loans | $97,089,500 | 3,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 6,100 |
| Cost of funding earning assets | 0.9971% | 6,157 |
| Net interest margin | 3.7161% | 4,288 |
| Noninterest income to average assets | 0.3789% | 5,094 |
| Noninterest expense to average assets | 4.1988% | 813 |
| Loan and lease loss provision to assets | 0.3301% | 3,758 |
| Net operating income to assets | -0.5471% | 6,694 |
| Return on assets (ROA) | -0.5471% | 6,727 |
| Pretax return on assets | -0.5471% | 6,624 |
| Return on Equity (ROE) | -4.7453% | 6,676 |
| Retained earnings to average equity (ytd only) | -4.7453% | 6,524 |
| Net charge-offs to loans | 0.3692% | 3,508 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | -0.7886% | 6,089 |
| Efficiency ratio | 105.4481% | 640 |
| Assets per employee ($millions) | 4.7234% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7934% | 1,004 |
| Loan loss allowance to noncurrent loans | 74.9269% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 2.7457% | 2,638 |
| Noncurrent loans to loans | 3.7281% | 2,091 |
| Net loans and leases to total assets | 71.5905% | 2,516 |
| Net loans and leases to deposits | 84.1831% | 2,842 |
| Net loans and leases to core deposits | 143.2867% | 253 |
| Total domestic deposits to total assets | 85.0415% | 3,602 |
| Equity capital to assets | 10.5892% | 3,298 |
| Core capital (leverage) ratio | 11.1201% | 2,153 |
| Tier 1 risk-based capital ratio | 15.2831% | 3,019 |
| Total risk-based capital ratio | 16.5547% | 2,967 |
| Memoranda: | ||
| Average total assets | $127,227,000 | 4,420 |
| Average earning assets | $123,355,000 | 4,244 |
| Average equity | $14,667,000 | 4,060 |
| Average total loans | $94,808,330 | 4,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 6,484 |
| Cost of funding earning assets | 0.9676% | 6,515 |
| Net interest margin | 3.6582% | 4,446 |
| Noninterest income to average assets | 0.3792% | 5,103 |
| Noninterest expense to average assets | 4.1487% | 859 |
| Loan and lease loss provision to assets | 0.2125% | 4,386 |
| Net operating income to assets | -0.4348% | 6,790 |
| Return on assets (ROA) | -0.4348% | 6,824 |
| Pretax return on assets | -0.4348% | 6,740 |
| Return on Equity (ROE) | -3.6073% | 6,792 |
| Retained earnings to average equity (ytd only) | -3.6073% | 6,450 |
| Net charge-offs to loans | 0.1438% | 4,071 |
| Credit loss provision to net charge-offs | 196.9697% | 1,881 |
| Earnings coverage of net charge-offs (x) | -2.0606% | 5,475 |
| Efficiency ratio | 105.6619% | 685 |
| Assets per employee ($millions) | 4.5078% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9719% | 845 |
| Loan loss allowance to noncurrent loans | 99.4348% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 3,221 |
| Noncurrent loans to loans | 2.9888% | 2,687 |
| Net loans and leases to total assets | 72.8137% | 2,255 |
| Net loans and leases to deposits | 82.8539% | 3,130 |
| Net loans and leases to core deposits | 137.4080% | 363 |
| Total domestic deposits to total assets | 87.8821% | 2,129 |
| Equity capital to assets | 11.6362% | 2,274 |
| Core capital (leverage) ratio | 12.3730% | 1,460 |
| Tier 1 risk-based capital ratio | 15.7785% | 2,739 |
| Total risk-based capital ratio | 17.0506% | 2,671 |
| Memoranda: | ||
| Average total assets | $122,351,000 | 4,574 |
| Average earning assets | $118,639,000 | 4,410 |
| Average equity | $14,748,000 | 4,070 |
| Average total loans | $91,771,500 | 4,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2344% | 5,491 |
| Cost of funding earning assets | 1.2576% | 6,449 |
| Net interest margin | 3.9768% | 2,957 |
| Noninterest income to average assets | 1.4388% | 703 |
| Noninterest expense to average assets | 4.6950% | 652 |
| Loan and lease loss provision to assets | 7.0770% | 64 |
| Net operating income to assets | -6.4932% | 7,862 |
| Return on assets (ROA) | -6.4932% | 7,857 |
| Pretax return on assets | -6.4932% | 7,838 |
| Return on Equity (ROE) | -32.9469% | 7,456 |
| Retained earnings to average equity (ytd only) | -32.9469% | 7,440 |
| Net charge-offs to loans | 6.4277% | 151 |
| Credit loss provision to net charge-offs | 134.6340% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.1111% | 6,047 |
| Efficiency ratio | 88.9402% | 1,805 |
| Assets per employee ($millions) | 4.3883% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1332% | 688 |
| Loan loss allowance to noncurrent loans | 126.6727% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 3,590 |
| Noncurrent loans to loans | 2.4734% | 3,073 |
| Net loans and leases to total assets | 72.6182% | 2,598 |
| Net loans and leases to deposits | 83.4669% | 3,364 |
| Net loans and leases to core deposits | 149.6053% | 519 |
| Total domestic deposits to total assets | 87.0025% | 2,508 |
| Equity capital to assets | 12.4987% | 1,750 |
| Core capital (leverage) ratio | 12.4720% | 1,471 |
| Tier 1 risk-based capital ratio | 16.1301% | 2,461 |
| Total risk-based capital ratio | 17.4025% | 2,388 |
| Memoranda: | ||
| Average total assets | $98,488,200 | 5,129 |
| Average earning assets | $95,102,200 | 4,971 |
| Average equity | $19,410,000 | 3,291 |
| Average total loans | $80,542,400 | 4,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 5,700 |
| Cost of funding earning assets | 1.3026% | 6,551 |
| Net interest margin | 3.9448% | 3,065 |
| Noninterest income to average assets | 1.3235% | 881 |
| Noninterest expense to average assets | 4.8732% | 533 |
| Loan and lease loss provision to assets | 1.5944% | 1,186 |
| Net operating income to assets | -1.3392% | 7,034 |
| Return on assets (ROA) | -1.3392% | 7,029 |
| Pretax return on assets | -1.3392% | 6,880 |
| Return on Equity (ROE) | -6.0893% | 6,564 |
| Retained earnings to average equity (ytd only) | -6.0893% | 6,396 |
| Net charge-offs to loans | 0.4248% | 3,558 |
| Credit loss provision to net charge-offs | 447.2000% | 884 |
| Earnings coverage of net charge-offs (x) | 0.7160% | 5,322 |
| Efficiency ratio | 95.0222% | 1,329 |
| Assets per employee ($millions) | 5.0928% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,544 |
| Loan loss allowance to noncurrent loans | 148.0478% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 4,933 |
| Noncurrent loans to loans | 1.4388% | 4,512 |
| Net loans and leases to total assets | 72.8783% | 2,826 |
| Net loans and leases to deposits | 88.5778% | 2,854 |
| Net loans and leases to core deposits | 145.2321% | 719 |
| Total domestic deposits to total assets | 82.2760% | 4,553 |
| Equity capital to assets | 17.2835% | 591 |
| Core capital (leverage) ratio | 18.4617% | 421 |
| Tier 1 risk-based capital ratio | 22.9391% | 1,118 |
| Total risk-based capital ratio | 24.2002% | 1,083 |
| Memoranda: | ||
| Average total assets | $93,489,250 | 5,315 |
| Average earning assets | $90,175,500 | 5,157 |
| Average equity | $20,560,250 | 3,162 |
| Average total loans | $78,472,000 | 4,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 5,676 |
| Cost of funding earning assets | 1.3630% | 6,611 |
| Net interest margin | 3.9324% | 2,968 |
| Noninterest income to average assets | 0.9088% | 1,947 |
| Noninterest expense to average assets | 5.2589% | 436 |
| Loan and lease loss provision to assets | 1.0046% | 1,677 |
| Net operating income to assets | -1.5396% | 7,265 |
| Return on assets (ROA) | -1.5396% | 7,269 |
| Pretax return on assets | -1.5396% | 7,104 |
| Return on Equity (ROE) | -6.3778% | 6,749 |
| Retained earnings to average equity (ytd only) | -6.3778% | 6,499 |
| Net charge-offs to loans | 0.4077% | 3,161 |
| Credit loss provision to net charge-offs | 279.2208% | 1,675 |
| Earnings coverage of net charge-offs (x) | -1.4870% | 6,310 |
| Efficiency ratio | 111.3254% | 813 |
| Assets per employee ($millions) | 4.3132% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,901 |
| Loan loss allowance to noncurrent loans | 124.3615% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,756 |
| Noncurrent loans to loans | 1.2567% | 4,687 |
| Net loans and leases to total assets | 84.0310% | 634 |
| Net loans and leases to deposits | 107.7090% | 666 |
| Net loans and leases to core deposits | 145.0159% | 798 |
| Total domestic deposits to total assets | 78.0167% | 6,072 |
| Equity capital to assets | 21.5544% | 301 |
| Core capital (leverage) ratio | 23.6091% | 237 |
| Tier 1 risk-based capital ratio | 23.3624% | 1,102 |
| Total risk-based capital ratio | 24.6143% | 1,079 |
| Memoranda: | ||
| Average total assets | $85,607,330 | 5,593 |
| Average earning assets | $83,053,000 | 5,439 |
| Average equity | $20,665,330 | 3,152 |
| Average total loans | $75,554,670 | 4,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 6,135 |
| Cost of funding earning assets | 1.4424% | 6,601 |
| Net interest margin | 3.8022% | 3,434 |
| Noninterest income to average assets | 0.8300% | 2,179 |
| Noninterest expense to average assets | 5.7407% | 326 |
| Loan and lease loss provision to assets | 1.3586% | 944 |
| Net operating income to assets | -2.5838% | 7,781 |
| Return on assets (ROA) | -2.5838% | 7,780 |
| Pretax return on assets | -2.5838% | 7,678 |
| Return on Equity (ROE) | -10.0715% | 7,370 |
| Retained earnings to average equity (ytd only) | -10.0715% | 7,123 |
| Net charge-offs to loans | 0.8458% | 1,542 |
| Credit loss provision to net charge-offs | 178.5714% | 2,429 |
| Earnings coverage of net charge-offs (x) | -1.6104% | 5,439 |
| Efficiency ratio | 127.1335% | 537 |
| Assets per employee ($millions) | 3.8365% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 3,386 |
| Loan loss allowance to noncurrent loans | 240.9978% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 5,743 |
| Noncurrent loans to loans | 0.5894% | 5,921 |
| Net loans and leases to total assets | 91.3498% | 82 |
| Net loans and leases to deposits | 121.5123% | 258 |
| Net loans and leases to core deposits | 177.5521% | 263 |
| Total domestic deposits to total assets | 75.1774% | 6,670 |
| Equity capital to assets | 24.3416% | 236 |
| Core capital (leverage) ratio | 25.1661% | 228 |
| Tier 1 risk-based capital ratio | 26.1061% | 884 |
| Total risk-based capital ratio | 27.3584% | 868 |
| Memoranda: | ||
| Average total assets | $80,966,000 | 5,785 |
| Average earning assets | $78,481,500 | 5,609 |
| Average equity | $20,771,500 | 3,143 |
| Average total loans | $72,830,500 | 4,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2104% | 4,464 |
| Cost of funding earning assets | 1.8231% | 6,947 |
| Net interest margin | 4.3873% | 1,725 |
| Noninterest income to average assets | 0.8198% | 2,403 |
| Noninterest expense to average assets | 6.3004% | 360 |
| Loan and lease loss provision to assets | 0.8090% | 1,836 |
| Net operating income to assets | -2.0867% | 7,622 |
| Return on assets (ROA) | -2.1625% | 7,598 |
| Pretax return on assets | -2.1625% | 7,491 |
| Return on Equity (ROE) | -6.4656% | 6,996 |
| Retained earnings to average equity (ytd only) | -6.4656% | 6,719 |
| Net charge-offs to loans | 0.1513% | 4,691 |
| Credit loss provision to net charge-offs | 630.1205% | 682 |
| Earnings coverage of net charge-offs (x) | -9.9518% | 6,894 |
| Efficiency ratio | 125.4389% | 506 |
| Assets per employee ($millions) | 3.3708% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 2,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 5,517 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.7202% | 639 |
| Net loans and leases to deposits | 118.4592% | 429 |
| Net loans and leases to core deposits | 169.4838% | 411 |
| Total domestic deposits to total assets | 72.3626% | 6,934 |
| Equity capital to assets | 27.0841% | 217 |
| Core capital (leverage) ratio | 27.8849% | 211 |
| Tier 1 risk-based capital ratio | 28.0422% | 760 |
| Total risk-based capital ratio | 29.2932% | 741 |
| Memoranda: | ||
| Average total assets | $64,646,400 | 6,206 |
| Average earning assets | $61,928,800 | 6,088 |
| Average equity | $21,622,000 | 3,025 |
| Average total loans | $54,861,400 | 5,495 |