Home > Franklin Community Bank > Performance and Condition Ratios
Franklin Community Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,326 |
| Cost of funding earning assets | 0.4446% | 3,224 |
| Net interest margin | 3.9242% | 2,143 |
| Noninterest income to average assets | 0.5379% | 3,255 |
| Noninterest expense to average assets | 3.2688% | 2,009 |
| Loan and lease loss provision to assets | 0.0916% | 2,634 |
| Net operating income to assets | 0.6204% | 4,275 |
| Return on assets (ROA) | 0.6204% | 4,381 |
| Pretax return on assets | 0.8993% | 3,907 |
| Return on Equity (ROE) | 4.3828% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,059 |
| Net charge-offs to loans | 1.0478% | 277 |
| Credit loss provision to net charge-offs | 11.5239% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.2472% | 4,459 |
| Efficiency ratio | 76.7393% | 2,403 |
| Assets per employee ($millions) | 5.8444% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,136 |
| Loan loss allowance to noncurrent loans | 67.6339% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 2,381 |
| Noncurrent loans to loans | 1.4568% | 2,016 |
| Net loans and leases to total assets | 74.4314% | 1,509 |
| Net loans and leases to deposits | 88.7685% | 1,642 |
| Net loans and leases to core deposits | 95.9252% | 1,730 |
| Total domestic deposits to total assets | 83.8489% | 3,786 |
| Equity capital to assets | 14.5647% | 793 |
| Core capital (leverage) ratio | 14.4471% | 712 |
| Tier 1 risk-based capital ratio | 19.8751% | 1,618 |
| Total risk-based capital ratio | 20.8815% | 1,638 |
| Memoranda: | ||
| Average total assets | $166,021,800 | 3,396 |
| Average earning assets | $157,457,200 | 3,323 |
| Average equity | $23,500,800 | 2,799 |
| Average total loans | $125,886,600 | 2,942 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,262 |
| Cost of funding earning assets | 0.4623% | 3,130 |
| Net interest margin | 3.9257% | 2,136 |
| Noninterest income to average assets | 0.5185% | 3,418 |
| Noninterest expense to average assets | 3.1249% | 2,397 |
| Loan and lease loss provision to assets | 0.0592% | 3,181 |
| Net operating income to assets | 0.7210% | 3,832 |
| Return on assets (ROA) | 0.7210% | 3,939 |
| Pretax return on assets | 1.0515% | 3,374 |
| Return on Equity (ROE) | 5.1299% | 4,662 |
| Retained earnings to average equity (ytd only) | 5.1299% | 3,000 |
| Net charge-offs to loans | 0.2612% | 1,493 |
| Credit loss provision to net charge-offs | 29.8387% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.5967% | 3,231 |
| Efficiency ratio | 73.7767% | 2,855 |
| Assets per employee ($millions) | 5.7471% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 1,898 |
| Loan loss allowance to noncurrent loans | 81.7878% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7292% | 1,732 |
| Noncurrent loans to loans | 2.1108% | 1,482 |
| Net loans and leases to total assets | 75.3106% | 1,319 |
| Net loans and leases to deposits | 89.2319% | 1,518 |
| Net loans and leases to core deposits | 96.4447% | 1,641 |
| Total domestic deposits to total assets | 84.3988% | 3,591 |
| Equity capital to assets | 14.3724% | 889 |
| Core capital (leverage) ratio | 13.9363% | 860 |
| Tier 1 risk-based capital ratio | 18.9744% | 1,910 |
| Total risk-based capital ratio | 20.2313% | 1,878 |
| Memoranda: | ||
| Average total assets | $166,616,750 | 3,411 |
| Average earning assets | $157,760,750 | 3,336 |
| Average equity | $23,417,500 | 2,816 |
| Average total loans | $126,605,000 | 2,944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 2,294 |
| Cost of funding earning assets | 0.4866% | 2,958 |
| Net interest margin | 3.8829% | 2,239 |
| Noninterest income to average assets | 0.5486% | 3,134 |
| Noninterest expense to average assets | 3.1152% | 2,436 |
| Loan and lease loss provision to assets | 0.1044% | 2,277 |
| Net operating income to assets | 0.6855% | 3,918 |
| Return on assets (ROA) | 0.6855% | 4,011 |
| Pretax return on assets | 0.9976% | 3,483 |
| Return on Equity (ROE) | 4.9142% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.9142% | 3,015 |
| Net charge-offs to loans | 0.3501% | 1,171 |
| Credit loss provision to net charge-offs | 39.3665% | 2,936 |
| Earnings coverage of net charge-offs (x) | 4.1538% | 3,166 |
| Efficiency ratio | 73.8685% | 2,996 |
| Assets per employee ($millions) | 5.5196% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 1,942 |
| Loan loss allowance to noncurrent loans | 75.5384% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 1,679 |
| Noncurrent loans to loans | 2.3359% | 1,377 |
| Net loans and leases to total assets | 75.4801% | 1,237 |
| Net loans and leases to deposits | 89.2649% | 1,444 |
| Net loans and leases to core deposits | 98.3205% | 1,419 |
| Total domestic deposits to total assets | 84.5575% | 3,697 |
| Equity capital to assets | 14.2836% | 868 |
| Core capital (leverage) ratio | 13.8043% | 882 |
| Tier 1 risk-based capital ratio | 18.6591% | 2,016 |
| Total risk-based capital ratio | 19.9170% | 1,973 |
| Memoranda: | ||
| Average total assets | $166,600,000 | 3,426 |
| Average earning assets | $157,407,330 | 3,358 |
| Average equity | $23,238,670 | 2,825 |
| Average total loans | $126,232,330 | 2,942 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,465 |
| Cost of funding earning assets | 0.5170% | 2,742 |
| Net interest margin | 3.7991% | 2,475 |
| Noninterest income to average assets | 0.5075% | 3,347 |
| Noninterest expense to average assets | 3.1094% | 2,497 |
| Loan and lease loss provision to assets | 0.1747% | 1,385 |
| Net operating income to assets | 0.5625% | 4,400 |
| Return on assets (ROA) | 0.5625% | 4,478 |
| Pretax return on assets | 0.8115% | 4,066 |
| Return on Equity (ROE) | 4.0813% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.0813% | 3,670 |
| Net charge-offs to loans | 0.3181% | 1,115 |
| Credit loss provision to net charge-offs | 73.0000% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 2,570 |
| Efficiency ratio | 75.9205% | 2,818 |
| Assets per employee ($millions) | 5.7190% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 1,884 |
| Loan loss allowance to noncurrent loans | 68.3721% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.5463% | 1,241 |
| Noncurrent loans to loans | 2.7133% | 1,242 |
| Net loans and leases to total assets | 75.0258% | 1,126 |
| Net loans and leases to deposits | 88.5057% | 1,306 |
| Net loans and leases to core deposits | 93.5325% | 1,594 |
| Total domestic deposits to total assets | 84.7695% | 3,964 |
| Equity capital to assets | 13.9873% | 919 |
| Core capital (leverage) ratio | 13.4296% | 993 |
| Tier 1 risk-based capital ratio | 18.2521% | 2,188 |
| Total risk-based capital ratio | 19.5104% | 2,150 |
| Memoranda: | ||
| Average total assets | $167,106,000 | 3,444 |
| Average earning assets | $157,827,000 | 3,379 |
| Average equity | $23,032,000 | 2,843 |
| Average total loans | $125,733,000 | 2,955 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 2,947 |
| Cost of funding earning assets | 0.6301% | 2,386 |
| Net interest margin | 3.6735% | 3,159 |
| Noninterest income to average assets | 0.5093% | 3,693 |
| Noninterest expense to average assets | 2.9864% | 3,090 |
| Loan and lease loss provision to assets | 0.9423% | 199 |
| Net operating income to assets | 0.0632% | 6,110 |
| Return on assets (ROA) | 0.0866% | 6,123 |
| Pretax return on assets | 0.0979% | 6,096 |
| Return on Equity (ROE) | 0.6655% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.6655% | 5,535 |
| Net charge-offs to loans | 1.4572% | 334 |
| Credit loss provision to net charge-offs | 88.1886% | 2,813 |
| Earnings coverage of net charge-offs (x) | 0.9486% | 4,766 |
| Efficiency ratio | 74.6604% | 3,019 |
| Assets per employee ($millions) | 5.6120% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 1,766 |
| Loan loss allowance to noncurrent loans | 59.3859% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.8118% | 1,157 |
| Noncurrent loans to loans | 3.2129% | 1,043 |
| Net loans and leases to total assets | 72.6439% | 1,569 |
| Net loans and leases to deposits | 85.2899% | 1,777 |
| Net loans and leases to core deposits | 92.3844% | 1,752 |
| Total domestic deposits to total assets | 85.1729% | 3,655 |
| Equity capital to assets | 13.5815% | 1,038 |
| Core capital (leverage) ratio | 12.9801% | 1,147 |
| Tier 1 risk-based capital ratio | 18.1533% | 2,198 |
| Total risk-based capital ratio | 19.4128% | 2,157 |
| Memoranda: | ||
| Average total assets | $176,698,200 | 3,311 |
| Average earning assets | $167,905,200 | 3,241 |
| Average equity | $22,989,800 | 2,824 |
| Average total loans | $129,566,000 | 2,873 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,061 |
| Cost of funding earning assets | 0.6475% | 2,378 |
| Net interest margin | 3.6372% | 3,291 |
| Noninterest income to average assets | 0.5228% | 3,646 |
| Noninterest expense to average assets | 2.9980% | 3,002 |
| Loan and lease loss provision to assets | 0.9889% | 171 |
| Net operating income to assets | 0.0075% | 6,288 |
| Return on assets (ROA) | 0.0425% | 6,286 |
| Pretax return on assets | 0.0313% | 6,287 |
| Return on Equity (ROE) | 0.3301% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.3301% | 5,834 |
| Net charge-offs to loans | 1.2213% | 443 |
| Credit loss provision to net charge-offs | 110.6845% | 2,131 |
| Earnings coverage of net charge-offs (x) | 1.1027% | 4,478 |
| Efficiency ratio | 75.2668% | 2,854 |
| Assets per employee ($millions) | 5.6098% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 1,372 |
| Loan loss allowance to noncurrent loans | 57.0652% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.9798% | 1,241 |
| Noncurrent loans to loans | 3.8079% | 950 |
| Net loans and leases to total assets | 70.6745% | 1,840 |
| Net loans and leases to deposits | 82.4628% | 2,081 |
| Net loans and leases to core deposits | 90.8684% | 1,885 |
| Total domestic deposits to total assets | 85.7047% | 3,403 |
| Equity capital to assets | 13.1522% | 1,264 |
| Core capital (leverage) ratio | 13.0438% | 1,187 |
| Tier 1 risk-based capital ratio | 18.9239% | 2,013 |
| Total risk-based capital ratio | 20.1865% | 1,967 |
| Memoranda: | ||
| Average total assets | $178,782,500 | 3,313 |
| Average earning assets | $170,089,000 | 3,239 |
| Average equity | $23,020,750 | 2,850 |
| Average total loans | $130,786,750 | 2,864 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,830 |
| Cost of funding earning assets | 0.6593% | 2,411 |
| Net interest margin | 3.6705% | 3,079 |
| Noninterest income to average assets | 0.5465% | 3,522 |
| Noninterest expense to average assets | 2.9477% | 3,177 |
| Loan and lease loss provision to assets | 1.3891% | 100 |
| Net operating income to assets | -0.1730% | 6,470 |
| Return on assets (ROA) | -0.1397% | 6,489 |
| Pretax return on assets | -0.2450% | 6,522 |
| Return on Equity (ROE) | -1.0923% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.0923% | 6,068 |
| Net charge-offs to loans | 1.4158% | 389 |
| Credit loss provision to net charge-offs | 133.5821% | 1,698 |
| Earnings coverage of net charge-offs (x) | 1.0501% | 4,185 |
| Efficiency ratio | 72.9693% | 3,314 |
| Assets per employee ($millions) | 5.9698% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2514% | 1,335 |
| Loan loss allowance to noncurrent loans | 54.8618% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.9934% | 1,354 |
| Noncurrent loans to loans | 4.1038% | 932 |
| Net loans and leases to total assets | 70.7139% | 1,764 |
| Net loans and leases to deposits | 81.9481% | 2,065 |
| Net loans and leases to core deposits | 89.9691% | 1,908 |
| Total domestic deposits to total assets | 86.2911% | 3,210 |
| Equity capital to assets | 12.6553% | 1,494 |
| Core capital (leverage) ratio | 12.6952% | 1,291 |
| Tier 1 risk-based capital ratio | 18.4173% | 2,169 |
| Total risk-based capital ratio | 19.6813% | 2,128 |
| Memoranda: | ||
| Average total assets | $180,409,000 | 3,306 |
| Average earning assets | $171,694,000 | 3,228 |
| Average equity | $23,070,330 | 2,859 |
| Average total loans | $132,504,000 | 2,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,556 |
| Cost of funding earning assets | 0.6678% | 2,500 |
| Net interest margin | 3.7227% | 2,767 |
| Noninterest income to average assets | 0.5125% | 3,693 |
| Noninterest expense to average assets | 2.9183% | 3,278 |
| Loan and lease loss provision to assets | 0.4153% | 731 |
| Net operating income to assets | 0.4926% | 4,705 |
| Return on assets (ROA) | 0.4926% | 4,859 |
| Pretax return on assets | 0.7136% | 4,515 |
| Return on Equity (ROE) | 3.8328% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.8328% | 3,929 |
| Net charge-offs to loans | 1.0718% | 563 |
| Credit loss provision to net charge-offs | 52.3677% | 2,568 |
| Earnings coverage of net charge-offs (x) | 1.4234% | 3,359 |
| Efficiency ratio | 72.1070% | 3,595 |
| Assets per employee ($millions) | 5.7951% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 2,490 |
| Loan loss allowance to noncurrent loans | 119.5770% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 3,018 |
| Noncurrent loans to loans | 1.5368% | 3,246 |
| Net loans and leases to total assets | 72.2847% | 1,312 |
| Net loans and leases to deposits | 84.1791% | 1,575 |
| Net loans and leases to core deposits | 92.6122% | 1,445 |
| Total domestic deposits to total assets | 85.8701% | 3,602 |
| Equity capital to assets | 13.0060% | 1,425 |
| Core capital (leverage) ratio | 13.0839% | 1,084 |
| Tier 1 risk-based capital ratio | 18.2865% | 2,267 |
| Total risk-based capital ratio | 19.5456% | 2,224 |
| Memoranda: | ||
| Average total assets | $181,066,000 | 3,335 |
| Average earning assets | $171,918,500 | 3,258 |
| Average equity | $23,273,000 | 2,887 |
| Average total loans | $133,975,000 | 2,820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,753 |
| Cost of funding earning assets | 1.0085% | 1,315 |
| Net interest margin | 3.6517% | 3,864 |
| Noninterest income to average assets | 1.1202% | 1,238 |
| Noninterest expense to average assets | 3.4601% | 1,924 |
| Loan and lease loss provision to assets | 0.2516% | 2,645 |
| Net operating income to assets | 0.9934% | 2,371 |
| Return on assets (ROA) | 0.9944% | 2,582 |
| Pretax return on assets | 0.8231% | 4,214 |
| Return on Equity (ROE) | 8.8456% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.8456% | 868 |
| Net charge-offs to loans | 0.8295% | 1,399 |
| Credit loss provision to net charge-offs | 42.0052% | 4,890 |
| Earnings coverage of net charge-offs (x) | 1.7926% | 4,534 |
| Efficiency ratio | 76.3188% | 2,694 |
| Assets per employee ($millions) | 6.0828% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,241 |
| Loan loss allowance to noncurrent loans | 171.2969% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.6226% | 2,966 |
| Noncurrent loans to loans | 1.1197% | 3,970 |
| Net loans and leases to total assets | 72.9154% | 1,349 |
| Net loans and leases to deposits | 88.0142% | 1,274 |
| Net loans and leases to core deposits | 96.8780% | 1,237 |
| Total domestic deposits to total assets | 82.8451% | 4,782 |
| Equity capital to assets | 12.7030% | 1,588 |
| Core capital (leverage) ratio | 12.4716% | 1,335 |
| Tier 1 risk-based capital ratio | 17.4155% | 2,481 |
| Total risk-based capital ratio | 18.6753% | 2,456 |
| Memoranda: | ||
| Average total assets | $193,174,800 | 3,136 |
| Average earning assets | $180,571,800 | 3,081 |
| Average equity | $21,717,000 | 3,009 |
| Average total loans | $139,480,200 | 2,724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 3,213 |
| Cost of funding earning assets | 1.0637% | 1,221 |
| Net interest margin | 3.5331% | 4,514 |
| Noninterest income to average assets | -0.2478% | 7,083 |
| Noninterest expense to average assets | 2.9607% | 3,368 |
| Loan and lease loss provision to assets | -0.0225% | 6,963 |
| Net operating income to assets | 0.1008% | 6,131 |
| Return on assets (ROA) | 0.1021% | 6,271 |
| Pretax return on assets | 0.1076% | 6,264 |
| Return on Equity (ROE) | 0.9367% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.9367% | 5,796 |
| Net charge-offs to loans | 0.7890% | 1,399 |
| Credit loss provision to net charge-offs | -3.9711% | 6,083 |
| Earnings coverage of net charge-offs (x) | 0.1480% | 5,260 |
| Efficiency ratio | 97.2496% | 627 |
| Assets per employee ($millions) | 6.4013% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 2,961 |
| Loan loss allowance to noncurrent loans | 66.1813% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 1,925 |
| Noncurrent loans to loans | 2.6472% | 2,142 |
| Net loans and leases to total assets | 72.7734% | 1,426 |
| Net loans and leases to deposits | 86.0116% | 1,599 |
| Net loans and leases to core deposits | 94.6461% | 1,518 |
| Total domestic deposits to total assets | 84.6088% | 3,929 |
| Equity capital to assets | 11.5720% | 2,679 |
| Core capital (leverage) ratio | 10.8865% | 2,503 |
| Tier 1 risk-based capital ratio | 15.7143% | 3,418 |
| Total risk-based capital ratio | 16.9717% | 3,379 |
| Memoranda: | ||
| Average total assets | $195,847,500 | 3,124 |
| Average earning assets | $182,500,250 | 3,083 |
| Average equity | $21,351,000 | 3,086 |
| Average total loans | $140,435,000 | 2,745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 3,564 |
| Cost of funding earning assets | 1.0810% | 1,307 |
| Net interest margin | 3.4680% | 4,807 |
| Noninterest income to average assets | 0.1044% | 6,656 |
| Noninterest expense to average assets | 2.8989% | 3,624 |
| Loan and lease loss provision to assets | 0.1747% | 3,357 |
| Net operating income to assets | 0.1952% | 5,928 |
| Return on assets (ROA) | 0.1967% | 6,109 |
| Pretax return on assets | 0.2529% | 6,053 |
| Return on Equity (ROE) | 1.8397% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.8397% | 5,279 |
| Net charge-offs to loans | 1.2488% | 859 |
| Credit loss provision to net charge-offs | 19.7055% | 4,609 |
| Earnings coverage of net charge-offs (x) | 0.4802% | 4,836 |
| Efficiency ratio | 87.1981% | 1,319 |
| Assets per employee ($millions) | 6.3248% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,768 |
| Loan loss allowance to noncurrent loans | 72.2864% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 3.2524% | 1,667 |
| Noncurrent loans to loans | 2.5254% | 2,388 |
| Net loans and leases to total assets | 70.3259% | 1,864 |
| Net loans and leases to deposits | 86.0901% | 1,586 |
| Net loans and leases to core deposits | 94.7170% | 1,536 |
| Total domestic deposits to total assets | 81.6887% | 5,237 |
| Equity capital to assets | 10.9308% | 3,194 |
| Core capital (leverage) ratio | 10.8965% | 2,395 |
| Tier 1 risk-based capital ratio | 15.0356% | 3,749 |
| Total risk-based capital ratio | 16.2933% | 3,701 |
| Memoranda: | ||
| Average total assets | $199,250,670 | 3,090 |
| Average earning assets | $185,006,000 | 3,057 |
| Average equity | $21,307,330 | 3,072 |
| Average total loans | $141,412,000 | 2,754 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 3,771 |
| Cost of funding earning assets | 1.1121% | 1,338 |
| Net interest margin | 3.4244% | 5,009 |
| Noninterest income to average assets | 0.2768% | 5,649 |
| Noninterest expense to average assets | 2.8361% | 3,877 |
| Loan and lease loss provision to assets | 0.4003% | 1,577 |
| Net operating income to assets | 0.1713% | 6,060 |
| Return on assets (ROA) | 0.1713% | 6,201 |
| Pretax return on assets | 0.2171% | 6,165 |
| Return on Equity (ROE) | 1.6192% | 6,185 |
| Retained earnings to average equity (ytd only) | 1.6192% | 5,427 |
| Net charge-offs to loans | 2.4046% | 350 |
| Credit loss provision to net charge-offs | 23.5639% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.3634% | 4,177 |
| Efficiency ratio | 82.1223% | 1,920 |
| Assets per employee ($millions) | 6.3986% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,750 |
| Loan loss allowance to noncurrent loans | 66.5566% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 4.3210% | 1,253 |
| Noncurrent loans to loans | 2.8181% | 2,287 |
| Net loans and leases to total assets | 69.1284% | 1,929 |
| Net loans and leases to deposits | 84.3614% | 1,620 |
| Net loans and leases to core deposits | 93.9964% | 1,467 |
| Total domestic deposits to total assets | 81.9432% | 5,316 |
| Equity capital to assets | 10.7226% | 3,234 |
| Core capital (leverage) ratio | 10.5308% | 2,717 |
| Tier 1 risk-based capital ratio | 14.7744% | 3,911 |
| Total risk-based capital ratio | 16.0315% | 3,866 |
| Memoranda: | ||
| Average total assets | $200,841,000 | 3,096 |
| Average earning assets | $186,311,500 | 3,065 |
| Average equity | $21,245,000 | 3,081 |
| Average total loans | $141,892,000 | 2,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 3,480 |
| Cost of funding earning assets | 1.3046% | 1,466 |
| Net interest margin | 3.5695% | 4,848 |
| Noninterest income to average assets | -0.0795% | 7,090 |
| Noninterest expense to average assets | 2.6711% | 4,849 |
| Loan and lease loss provision to assets | 0.7948% | 1,246 |
| Net operating income to assets | -0.1292% | 6,185 |
| Return on assets (ROA) | -0.0934% | 6,234 |
| Pretax return on assets | -0.1724% | 6,264 |
| Return on Equity (ROE) | -0.9245% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.9245% | 5,991 |
| Net charge-offs to loans | 1.2881% | 1,283 |
| Credit loss provision to net charge-offs | 84.2212% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.6002% | 5,373 |
| Efficiency ratio | 82.5052% | 1,955 |
| Assets per employee ($millions) | 6.5589% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 1,671 |
| Loan loss allowance to noncurrent loans | 46.3073% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 5.2330% | 1,001 |
| Noncurrent loans to loans | 4.9069% | 1,164 |
| Net loans and leases to total assets | 69.2335% | 2,173 |
| Net loans and leases to deposits | 83.9560% | 1,929 |
| Net loans and leases to core deposits | 93.7441% | 1,724 |
| Total domestic deposits to total assets | 82.4640% | 4,975 |
| Equity capital to assets | 10.4370% | 3,600 |
| Core capital (leverage) ratio | 10.2096% | 3,079 |
| Tier 1 risk-based capital ratio | 14.4438% | 4,011 |
| Total risk-based capital ratio | 15.7063% | 3,979 |
| Memoranda: | ||
| Average total assets | $208,868,400 | 2,957 |
| Average earning assets | $194,086,600 | 2,922 |
| Average equity | $21,092,000 | 2,998 |
| Average total loans | $153,014,600 | 2,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 3,358 |
| Cost of funding earning assets | 1.3491% | 1,459 |
| Net interest margin | 3.5957% | 4,789 |
| Noninterest income to average assets | -0.0780% | 7,195 |
| Noninterest expense to average assets | 2.7173% | 4,665 |
| Loan and lease loss provision to assets | 0.8523% | 1,073 |
| Net operating income to assets | -0.1845% | 6,367 |
| Return on assets (ROA) | -0.1845% | 6,449 |
| Pretax return on assets | -0.3095% | 6,498 |
| Return on Equity (ROE) | -1.8423% | 6,467 |
| Retained earnings to average equity (ytd only) | -1.8423% | 6,278 |
| Net charge-offs to loans | 1.4032% | 1,066 |
| Credit loss provision to net charge-offs | 82.2521% | 4,067 |
| Earnings coverage of net charge-offs (x) | 0.5239% | 5,240 |
| Efficiency ratio | 83.3495% | 1,814 |
| Assets per employee ($millions) | 6.6413% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 1,925 |
| Loan loss allowance to noncurrent loans | 43.6118% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 4.6639% | 1,273 |
| Noncurrent loans to loans | 4.9706% | 1,255 |
| Net loans and leases to total assets | 72.2068% | 1,666 |
| Net loans and leases to deposits | 87.3859% | 1,508 |
| Net loans and leases to core deposits | 97.4002% | 1,482 |
| Total domestic deposits to total assets | 82.6298% | 4,826 |
| Equity capital to assets | 10.3487% | 3,898 |
| Core capital (leverage) ratio | 9.9905% | 3,458 |
| Tier 1 risk-based capital ratio | 14.1139% | 4,272 |
| Total risk-based capital ratio | 15.3764% | 4,230 |
| Memoranda: | ||
| Average total assets | $210,254,250 | 2,954 |
| Average earning assets | $195,190,000 | 2,924 |
| Average equity | $21,059,750 | 3,000 |
| Average total loans | $155,257,750 | 2,587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 3,127 |
| Cost of funding earning assets | 1.3973% | 1,435 |
| Net interest margin | 3.6092% | 4,690 |
| Noninterest income to average assets | -0.2664% | 7,372 |
| Noninterest expense to average assets | 2.7443% | 4,647 |
| Loan and lease loss provision to assets | 0.8587% | 1,051 |
| Net operating income to assets | -0.3335% | 6,573 |
| Return on assets (ROA) | -0.3335% | 6,603 |
| Pretax return on assets | -0.5337% | 6,678 |
| Return on Equity (ROE) | -3.3655% | 6,612 |
| Retained earnings to average equity (ytd only) | -3.3655% | 6,414 |
| Net charge-offs to loans | 1.8291% | 756 |
| Credit loss provision to net charge-offs | 63.5664% | 4,252 |
| Earnings coverage of net charge-offs (x) | 0.2406% | 5,128 |
| Efficiency ratio | 89.4121% | 1,283 |
| Assets per employee ($millions) | 6.6013% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0031% | 2,368 |
| Loan loss allowance to noncurrent loans | 44.8069% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 5.4990% | 1,077 |
| Noncurrent loans to loans | 4.4706% | 1,490 |
| Net loans and leases to total assets | 70.9368% | 2,018 |
| Net loans and leases to deposits | 85.2629% | 1,901 |
| Net loans and leases to core deposits | 96.0650% | 1,677 |
| Total domestic deposits to total assets | 83.1978% | 4,674 |
| Equity capital to assets | 9.9872% | 4,167 |
| Core capital (leverage) ratio | 9.9038% | 3,382 |
| Tier 1 risk-based capital ratio | 13.8105% | 4,299 |
| Total risk-based capital ratio | 15.0703% | 4,264 |
| Memoranda: | ||
| Average total assets | $211,712,000 | 2,951 |
| Average earning assets | $195,669,330 | 2,928 |
| Average equity | $20,977,670 | 2,999 |
| Average total loans | $156,359,000 | 2,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 2,706 |
| Cost of funding earning assets | 1.4575% | 1,346 |
| Net interest margin | 3.6286% | 4,440 |
| Noninterest income to average assets | -0.2340% | 7,443 |
| Noninterest expense to average assets | 2.8328% | 4,323 |
| Loan and lease loss provision to assets | 1.6098% | 379 |
| Net operating income to assets | -0.8530% | 6,984 |
| Return on assets (ROA) | -0.8530% | 6,988 |
| Pretax return on assets | -1.3173% | 7,103 |
| Return on Equity (ROE) | -8.6433% | 6,982 |
| Retained earnings to average equity (ytd only) | -8.6433% | 6,795 |
| Net charge-offs to loans | 2.9276% | 371 |
| Credit loss provision to net charge-offs | 73.7252% | 3,287 |
| Earnings coverage of net charge-offs (x) | 0.1340% | 4,499 |
| Efficiency ratio | 90.6401% | 1,274 |
| Assets per employee ($millions) | 6.7688% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 2,195 |
| Loan loss allowance to noncurrent loans | 53.8853% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 5.8189% | 1,013 |
| Noncurrent loans to loans | 3.8908% | 1,888 |
| Net loans and leases to total assets | 72.9939% | 1,513 |
| Net loans and leases to deposits | 87.7084% | 1,494 |
| Net loans and leases to core deposits | 98.7168% | 1,453 |
| Total domestic deposits to total assets | 83.2234% | 4,839 |
| Equity capital to assets | 9.8730% | 3,931 |
| Core capital (leverage) ratio | 9.7467% | 3,453 |
| Tier 1 risk-based capital ratio | 13.2100% | 4,656 |
| Total risk-based capital ratio | 14.4702% | 4,630 |
| Memoranda: | ||
| Average total assets | $211,948,000 | 2,968 |
| Average earning assets | $196,220,000 | 2,928 |
| Average equity | $20,918,000 | 2,990 |
| Average total loans | $158,083,500 | 2,592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 3,827 |
| Cost of funding earning assets | 1.7560% | 1,360 |
| Net interest margin | 3.3994% | 5,636 |
| Noninterest income to average assets | 0.3797% | 5,065 |
| Noninterest expense to average assets | 2.7596% | 4,744 |
| Loan and lease loss provision to assets | 0.5826% | 2,808 |
| Net operating income to assets | 0.1433% | 5,463 |
| Return on assets (ROA) | 0.3458% | 4,918 |
| Pretax return on assets | 0.4996% | 4,622 |
| Return on Equity (ROE) | 3.6385% | 4,679 |
| Retained earnings to average equity (ytd only) | 3.6385% | 3,318 |
| Net charge-offs to loans | 0.6032% | 3,220 |
| Credit loss provision to net charge-offs | 131.0345% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.7738% | 4,387 |
| Efficiency ratio | 77.7735% | 2,746 |
| Assets per employee ($millions) | 5.7855% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2439% | 1,786 |
| Loan loss allowance to noncurrent loans | 40.8899% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 6.0347% | 983 |
| Noncurrent loans to loans | 5.4877% | 1,199 |
| Net loans and leases to total assets | 72.9401% | 1,890 |
| Net loans and leases to deposits | 87.4756% | 1,863 |
| Net loans and leases to core deposits | 97.9818% | 1,801 |
| Total domestic deposits to total assets | 83.3833% | 4,650 |
| Equity capital to assets | 9.8658% | 3,917 |
| Core capital (leverage) ratio | 9.5732% | 3,597 |
| Tier 1 risk-based capital ratio | 13.5112% | 4,189 |
| Total risk-based capital ratio | 14.7744% | 4,151 |
| Memoranda: | ||
| Average total assets | $221,774,000 | 2,844 |
| Average earning assets | $206,715,800 | 2,786 |
| Average equity | $21,080,000 | 2,996 |
| Average total loans | $163,450,600 | 2,569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 4,069 |
| Cost of funding earning assets | 1.7806% | 1,502 |
| Net interest margin | 3.3719% | 5,777 |
| Noninterest income to average assets | 0.3695% | 5,199 |
| Noninterest expense to average assets | 2.7661% | 4,620 |
| Loan and lease loss provision to assets | 0.6538% | 2,334 |
| Net operating income to assets | 0.0649% | 5,857 |
| Return on assets (ROA) | 0.3326% | 5,207 |
| Pretax return on assets | 0.4798% | 4,991 |
| Return on Equity (ROE) | 3.5310% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.5310% | 3,965 |
| Net charge-offs to loans | 0.7235% | 2,614 |
| Credit loss provision to net charge-offs | 122.9821% | 3,340 |
| Earnings coverage of net charge-offs (x) | 1.4025% | 4,682 |
| Efficiency ratio | 78.7678% | 2,521 |
| Assets per employee ($millions) | 5.3092% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 1,906 |
| Loan loss allowance to noncurrent loans | 60.9982% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 4.4415% | 1,527 |
| Noncurrent loans to loans | 3.5082% | 2,250 |
| Net loans and leases to total assets | 71.4290% | 2,374 |
| Net loans and leases to deposits | 85.0671% | 2,508 |
| Net loans and leases to core deposits | 94.9270% | 2,396 |
| Total domestic deposits to total assets | 83.9677% | 4,146 |
| Equity capital to assets | 9.5409% | 4,779 |
| Core capital (leverage) ratio | 9.3329% | 4,158 |
| Tier 1 risk-based capital ratio | 13.1665% | 4,444 |
| Total risk-based capital ratio | 14.4282% | 4,420 |
| Memoranda: | ||
| Average total assets | $223,702,000 | 2,863 |
| Average earning assets | $208,465,250 | 2,808 |
| Average equity | $21,070,250 | 3,042 |
| Average total loans | $164,383,000 | 2,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 4,247 |
| Cost of funding earning assets | 1.8195% | 1,571 |
| Net interest margin | 3.3207% | 5,941 |
| Noninterest income to average assets | 0.3697% | 5,183 |
| Noninterest expense to average assets | 2.7740% | 4,598 |
| Loan and lease loss provision to assets | 0.5287% | 2,672 |
| Net operating income to assets | 0.1109% | 5,833 |
| Return on assets (ROA) | 0.3697% | 5,055 |
| Pretax return on assets | 0.5359% | 4,793 |
| Return on Equity (ROE) | 3.9425% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.9425% | 3,571 |
| Net charge-offs to loans | 0.9277% | 1,982 |
| Credit loss provision to net charge-offs | 77.3856% | 4,779 |
| Earnings coverage of net charge-offs (x) | 1.0092% | 4,780 |
| Efficiency ratio | 80.0928% | 2,434 |
| Assets per employee ($millions) | 5.3636% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,388 |
| Loan loss allowance to noncurrent loans | 59.0529% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 4.1164% | 1,654 |
| Noncurrent loans to loans | 3.2328% | 2,477 |
| Net loans and leases to total assets | 70.8221% | 2,708 |
| Net loans and leases to deposits | 84.1532% | 2,849 |
| Net loans and leases to core deposits | 93.7164% | 2,763 |
| Total domestic deposits to total assets | 84.1586% | 4,037 |
| Equity capital to assets | 9.4549% | 4,774 |
| Core capital (leverage) ratio | 9.2831% | 4,153 |
| Tier 1 risk-based capital ratio | 12.9962% | 4,446 |
| Total risk-based capital ratio | 14.2546% | 4,395 |
| Memoranda: | ||
| Average total assets | $223,940,000 | 2,884 |
| Average earning assets | $208,632,000 | 2,826 |
| Average equity | $21,002,000 | 3,044 |
| Average total loans | $164,923,670 | 2,625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 3,881 |
| Cost of funding earning assets | 1.8441% | 1,679 |
| Net interest margin | 3.3844% | 5,640 |
| Noninterest income to average assets | 0.3350% | 5,460 |
| Noninterest expense to average assets | 2.8736% | 4,173 |
| Loan and lease loss provision to assets | 0.7041% | 1,807 |
| Net operating income to assets | -0.0584% | 6,380 |
| Return on assets (ROA) | 0.4533% | 4,729 |
| Pretax return on assets | 0.6629% | 4,366 |
| Return on Equity (ROE) | 4.8529% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.8529% | 3,240 |
| Net charge-offs to loans | 0.8792% | 1,799 |
| Credit loss provision to net charge-offs | 107.6712% | 3,194 |
| Earnings coverage of net charge-offs (x) | 0.9397% | 4,207 |
| Efficiency ratio | 82.3832% | 2,226 |
| Assets per employee ($millions) | 5.1570% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 2,141 |
| Loan loss allowance to noncurrent loans | 54.1346% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 4.9623% | 1,301 |
| Noncurrent loans to loans | 3.7275% | 2,134 |
| Net loans and leases to total assets | 72.3914% | 2,359 |
| Net loans and leases to deposits | 86.1425% | 2,559 |
| Net loans and leases to core deposits | 95.4581% | 2,644 |
| Total domestic deposits to total assets | 84.0367% | 4,132 |
| Equity capital to assets | 9.4037% | 4,672 |
| Core capital (leverage) ratio | 9.3411% | 3,988 |
| Tier 1 risk-based capital ratio | 12.9348% | 4,383 |
| Total risk-based capital ratio | 14.1952% | 4,353 |
| Memoranda: | ||
| Average total assets | $223,275,000 | 2,949 |
| Average earning assets | $208,012,000 | 2,899 |
| Average equity | $20,853,500 | 3,083 |
| Average total loans | $166,062,500 | 2,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5153% | 4,065 |
| Cost of funding earning assets | 2.2121% | 1,977 |
| Net interest margin | 3.3032% | 5,730 |
| Noninterest income to average assets | 0.1939% | 6,715 |
| Noninterest expense to average assets | 2.5222% | 6,047 |
| Loan and lease loss provision to assets | 0.7837% | 2,776 |
| Net operating income to assets | 0.0319% | 5,390 |
| Return on assets (ROA) | 0.0319% | 5,442 |
| Pretax return on assets | 0.0235% | 5,381 |
| Return on Equity (ROE) | 0.3430% | 5,431 |
| Retained earnings to average equity (ytd only) | 0.3430% | 4,721 |
| Net charge-offs to loans | 1.0933% | 2,232 |
| Credit loss provision to net charge-offs | 88.7437% | 6,048 |
| Earnings coverage of net charge-offs (x) | 0.9141% | 5,198 |
| Efficiency ratio | 75.7564% | 3,567 |
| Assets per employee ($millions) | 5.4829% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,151 |
| Loan loss allowance to noncurrent loans | 73.7790% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 3.5392% | 1,895 |
| Noncurrent loans to loans | 2.6401% | 2,915 |
| Net loans and leases to total assets | 73.4044% | 2,405 |
| Net loans and leases to deposits | 87.0725% | 2,724 |
| Net loans and leases to core deposits | 123.3109% | 1,689 |
| Total domestic deposits to total assets | 84.3027% | 3,890 |
| Equity capital to assets | 9.2768% | 4,727 |
| Core capital (leverage) ratio | 8.9397% | 4,522 |
| Tier 1 risk-based capital ratio | 12.3948% | 4,599 |
| Total risk-based capital ratio | 13.6544% | 4,559 |
| Memoranda: | ||
| Average total assets | $225,355,200 | 2,872 |
| Average earning assets | $213,912,600 | 2,780 |
| Average equity | $20,989,200 | 3,073 |
| Average total loans | $182,021,000 | 2,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 4,165 |
| Cost of funding earning assets | 2.3013% | 1,982 |
| Net interest margin | 3.2479% | 5,845 |
| Noninterest income to average assets | 0.3157% | 5,955 |
| Noninterest expense to average assets | 2.4828% | 6,131 |
| Loan and lease loss provision to assets | 0.3885% | 3,987 |
| Net operating income to assets | 0.3731% | 4,502 |
| Return on assets (ROA) | 0.3731% | 4,607 |
| Pretax return on assets | 0.5404% | 4,402 |
| Return on Equity (ROE) | 4.0019% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.0019% | 3,039 |
| Net charge-offs to loans | 0.2789% | 4,289 |
| Credit loss provision to net charge-offs | 169.3299% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.0490% | 3,285 |
| Efficiency ratio | 72.7730% | 4,087 |
| Assets per employee ($millions) | 5.2945% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 1,555 |
| Loan loss allowance to noncurrent loans | 42.7648% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.4021% | 1,394 |
| Noncurrent loans to loans | 4.9724% | 1,339 |
| Net loans and leases to total assets | 76.2388% | 1,945 |
| Net loans and leases to deposits | 90.6484% | 2,452 |
| Net loans and leases to core deposits | 130.0600% | 1,435 |
| Total domestic deposits to total assets | 84.1038% | 3,677 |
| Equity capital to assets | 9.4301% | 4,839 |
| Core capital (leverage) ratio | 9.1042% | 4,484 |
| Tier 1 risk-based capital ratio | 12.2909% | 4,717 |
| Total risk-based capital ratio | 13.5531% | 4,645 |
| Memoranda: | ||
| Average total assets | $225,494,750 | 2,890 |
| Average earning assets | $214,945,750 | 2,788 |
| Average equity | $21,023,000 | 3,097 |
| Average total loans | $185,454,000 | 2,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 3,945 |
| Cost of funding earning assets | 2.3534% | 2,148 |
| Net interest margin | 3.2704% | 5,659 |
| Noninterest income to average assets | 0.3025% | 6,102 |
| Noninterest expense to average assets | 2.4994% | 6,129 |
| Loan and lease loss provision to assets | 0.2376% | 4,685 |
| Net operating income to assets | 0.4663% | 4,231 |
| Return on assets (ROA) | 0.4663% | 4,343 |
| Pretax return on assets | 0.6816% | 4,060 |
| Return on Equity (ROE) | 5.0205% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.0205% | 2,492 |
| Net charge-offs to loans | 0.1116% | 5,042 |
| Credit loss provision to net charge-offs | 254.2857% | 1,830 |
| Earnings coverage of net charge-offs (x) | 9.8381% | 2,068 |
| Efficiency ratio | 73.1130% | 4,174 |
| Assets per employee ($millions) | 5.6892% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 1,561 |
| Loan loss allowance to noncurrent loans | 45.5438% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 4.0528% | 1,447 |
| Noncurrent loans to loans | 4.3967% | 1,474 |
| Net loans and leases to total assets | 78.7954% | 1,575 |
| Net loans and leases to deposits | 93.7938% | 2,121 |
| Net loans and leases to core deposits | 136.9300% | 1,164 |
| Total domestic deposits to total assets | 84.0092% | 3,766 |
| Equity capital to assets | 9.3119% | 4,851 |
| Core capital (leverage) ratio | 9.1551% | 4,373 |
| Tier 1 risk-based capital ratio | 11.5632% | 5,320 |
| Total risk-based capital ratio | 12.8232% | 5,240 |
| Memoranda: | ||
| Average total assets | $224,771,330 | 2,918 |
| Average earning assets | $214,160,670 | 2,817 |
| Average equity | $20,874,330 | 3,117 |
| Average total loans | $188,158,670 | 2,476 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 3,815 |
| Cost of funding earning assets | 2.4159% | 2,225 |
| Net interest margin | 3.2826% | 5,561 |
| Noninterest income to average assets | 0.2238% | 6,679 |
| Noninterest expense to average assets | 2.4551% | 6,007 |
| Loan and lease loss provision to assets | 0.2256% | 4,199 |
| Net operating income to assets | 0.4584% | 4,623 |
| Return on assets (ROA) | 0.4584% | 4,798 |
| Pretax return on assets | 0.6697% | 4,524 |
| Return on Equity (ROE) | 4.9430% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.9430% | 3,158 |
| Net charge-offs to loans | 0.2307% | 3,253 |
| Credit loss provision to net charge-offs | 114.5455% | 3,395 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 2,862 |
| Efficiency ratio | 73.2763% | 3,953 |
| Assets per employee ($millions) | 5.4268% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 1,667 |
| Loan loss allowance to noncurrent loans | 41.9809% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 4.1106% | 1,235 |
| Noncurrent loans to loans | 4.4826% | 1,284 |
| Net loans and leases to total assets | 82.4402% | 938 |
| Net loans and leases to deposits | 101.1408% | 1,269 |
| Net loans and leases to core deposits | 148.3353% | 763 |
| Total domestic deposits to total assets | 81.5103% | 4,745 |
| Equity capital to assets | 9.4132% | 4,789 |
| Core capital (leverage) ratio | 9.1308% | 4,499 |
| Tier 1 risk-based capital ratio | 11.2011% | 5,700 |
| Total risk-based capital ratio | 12.4595% | 5,605 |
| Memoranda: | ||
| Average total assets | $223,372,500 | 2,952 |
| Average earning assets | $212,758,000 | 2,848 |
| Average equity | $20,716,000 | 3,148 |
| Average total loans | $190,749,000 | 2,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6346% | 2,315 |
| Cost of funding earning assets | 3.2389% | 1,070 |
| Net interest margin | 3.3956% | 5,678 |
| Noninterest income to average assets | 0.3387% | 6,031 |
| Noninterest expense to average assets | 2.2600% | 6,810 |
| Loan and lease loss provision to assets | 0.8965% | 1,665 |
| Net operating income to assets | 0.2946% | 5,564 |
| Return on assets (ROA) | 0.3095% | 5,324 |
| Pretax return on assets | 0.4378% | 5,162 |
| Return on Equity (ROE) | 3.5214% | 5,029 |
| Retained earnings to average equity (ytd only) | 0.4259% | 4,994 |
| Net charge-offs to loans | 0.2963% | 3,416 |
| Credit loss provision to net charge-offs | 357.7413% | 1,246 |
| Earnings coverage of net charge-offs (x) | 5.2404% | 3,720 |
| Efficiency ratio | 63.2473% | 5,724 |
| Assets per employee ($millions) | 5.4695% | 1,477 |
| Cash dividends to net income (ytd only)* | 87.9056% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 1,633 |
| Loan loss allowance to noncurrent loans | 74.7811% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 1,846 |
| Noncurrent loans to loans | 2.4071% | 2,277 |
| Net loans and leases to total assets | 85.1963% | 703 |
| Net loans and leases to deposits | 110.7741% | 783 |
| Net loans and leases to core deposits | 157.0317% | 643 |
| Total domestic deposits to total assets | 76.9099% | 6,019 |
| Equity capital to assets | 9.1363% | 5,170 |
| Core capital (leverage) ratio | 8.9489% | 4,814 |
| Tier 1 risk-based capital ratio | 10.5990% | 6,104 |
| Total risk-based capital ratio | 11.8563% | 5,994 |
| Memoranda: | ||
| Average total assets | $219,069,600 | 2,884 |
| Average earning assets | $208,679,600 | 2,790 |
| Average equity | $19,253,600 | 3,351 |
| Average total loans | $185,316,200 | 2,449 |