Home > Frontier Bank > Performance and Condition Ratios
Frontier Bank, Performance and Condition Ratios
| 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 | 3.5656% | 6,275 |
| Cost of funding earning assets | 1.5072% | 159 |
| Net interest margin | 2.0585% | 6,913 |
| Noninterest income to average assets | 2.0134% | 432 |
| Noninterest expense to average assets | 3.9396% | 1,053 |
| Loan and lease loss provision to assets | 1.7951% | 143 |
| Net operating income to assets | -2.1382% | 6,945 |
| Return on assets (ROA) | -1.8817% | 6,923 |
| Pretax return on assets | -1.8817% | 6,914 |
| Return on Equity (ROE) | -95.1795% | 7,070 |
| Retained earnings to average equity (ytd only) | -95.1795% | 7,070 |
| Net charge-offs to loans | 5.0485% | 34 |
| Credit loss provision to net charge-offs | 74.2952% | 4,033 |
| Earnings coverage of net charge-offs (x) | -0.1420% | 5,554 |
| Efficiency ratio | 109.5381% | 338 |
| Assets per employee ($millions) | 2.6412% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0664% | 273 |
| Loan loss allowance to noncurrent loans | 19.9441% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 27.5734% | 7 |
| Noncurrent loans to loans | 20.3891% | 25 |
| Net loans and leases to total assets | 40.9964% | 6,098 |
| Net loans and leases to deposits | 47.3499% | 6,151 |
| Net loans and leases to core deposits | 49.9729% | 6,151 |
| Total domestic deposits to total assets | 86.5817% | 3,050 |
| Equity capital to assets | 0.4733% | 7,080 |
| Core capital (leverage) ratio | 0.4069% | 7,081 |
| Tier 1 risk-based capital ratio | 0.6485% | 7,081 |
| Total risk-based capital ratio | 1.2969% | 7,081 |
| Memoranda: | ||
| Average total assets | $287,721,600 | 2,221 |
| Average earning assets | $221,278,400 | 2,601 |
| Average equity | $5,688,200 | 6,104 |
| Average total loans | $137,705,400 | 2,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 6,195 |
| Cost of funding earning assets | 1.5001% | 202 |
| Net interest margin | 2.2181% | 6,981 |
| Noninterest income to average assets | 3.1341% | 235 |
| Noninterest expense to average assets | 3.5292% | 1,690 |
| Loan and lease loss provision to assets | 1.7621% | 164 |
| Net operating income to assets | -0.4267% | 6,660 |
| Return on assets (ROA) | -0.1514% | 6,535 |
| Pretax return on assets | -0.1514% | 6,516 |
| Return on Equity (ROE) | -6.5647% | 6,773 |
| Retained earnings to average equity (ytd only) | -6.5647% | 6,697 |
| Net charge-offs to loans | 4.7609% | 49 |
| Credit loss provision to net charge-offs | 75.5573% | 3,752 |
| Earnings coverage of net charge-offs (x) | 0.5726% | 5,032 |
| Efficiency ratio | 72.5490% | 3,223 |
| Assets per employee ($millions) | 2.9112% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0350% | 299 |
| Loan loss allowance to noncurrent loans | 22.3836% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 24.8832% | 14 |
| Noncurrent loans to loans | 18.0265% | 59 |
| Net loans and leases to total assets | 42.3126% | 6,100 |
| Net loans and leases to deposits | 49.2383% | 6,172 |
| Net loans and leases to core deposits | 51.7751% | 6,192 |
| Total domestic deposits to total assets | 85.9344% | 3,292 |
| Equity capital to assets | 2.2568% | 7,156 |
| Core capital (leverage) ratio | 2.1038% | 7,160 |
| Tier 1 risk-based capital ratio | 3.2457% | 7,154 |
| Total risk-based capital ratio | 4.5140% | 7,154 |
| Memoranda: | ||
| Average total assets | $294,942,000 | 2,195 |
| Average earning assets | $230,105,000 | 2,523 |
| Average equity | $6,804,000 | 5,883 |
| Average total loans | $144,478,500 | 2,683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 6,228 |
| Cost of funding earning assets | 1.5279% | 214 |
| Net interest margin | 2.2325% | 7,037 |
| Noninterest income to average assets | 4.2771% | 167 |
| Noninterest expense to average assets | 3.4855% | 1,814 |
| Loan and lease loss provision to assets | 2.6063% | 80 |
| Net operating income to assets | -0.0435% | 6,372 |
| Return on assets (ROA) | 0.0415% | 6,409 |
| Pretax return on assets | 0.0415% | 6,400 |
| Return on Equity (ROE) | 1.7848% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.7848% | 5,301 |
| Net charge-offs to loans | 5.8676% | 37 |
| Credit loss provision to net charge-offs | 87.9116% | 3,105 |
| Earnings coverage of net charge-offs (x) | 0.8645% | 4,622 |
| Efficiency ratio | 57.6277% | 5,913 |
| Assets per employee ($millions) | 3.0559% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3312% | 264 |
| Loan loss allowance to noncurrent loans | 25.2382% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 23.5831% | 19 |
| Noncurrent loans to loans | 17.1614% | 70 |
| Net loans and leases to total assets | 43.2848% | 6,084 |
| Net loans and leases to deposits | 50.1315% | 6,172 |
| Net loans and leases to core deposits | 53.0716% | 6,155 |
| Total domestic deposits to total assets | 86.3425% | 3,169 |
| Equity capital to assets | 2.3489% | 7,208 |
| Core capital (leverage) ratio | 2.1045% | 7,214 |
| Tier 1 risk-based capital ratio | 3.3099% | 7,205 |
| Total risk-based capital ratio | 4.5986% | 7,205 |
| Memoranda: | ||
| Average total assets | $299,125,670 | 2,162 |
| Average earning assets | $237,313,330 | 2,457 |
| Average equity | $6,947,670 | 5,862 |
| Average total loans | $151,134,330 | 2,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 6,291 |
| Cost of funding earning assets | 1.5267% | 252 |
| Net interest margin | 2.2550% | 7,077 |
| Noninterest income to average assets | 7.7430% | 89 |
| Noninterest expense to average assets | 3.3563% | 2,127 |
| Loan and lease loss provision to assets | 5.1629% | 19 |
| Net operating income to assets | 1.0569% | 2,264 |
| Return on assets (ROA) | 1.0569% | 2,455 |
| Pretax return on assets | 1.0569% | 3,478 |
| Return on Equity (ROE) | 45.7569% | 37 |
| Retained earnings to average equity (ytd only) | 45.7569% | 24 |
| Net charge-offs to loans | 2.3102% | 370 |
| Credit loss provision to net charge-offs | 420.9503% | 753 |
| Earnings coverage of net charge-offs (x) | 5.0713% | 2,447 |
| Efficiency ratio | 35.0484% | 7,193 |
| Assets per employee ($millions) | 3.1242% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2561% | 68 |
| Loan loss allowance to noncurrent loans | 35.7121% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 21.7319% | 37 |
| Noncurrent loans to loans | 17.5182% | 75 |
| Net loans and leases to total assets | 45.3101% | 5,868 |
| Net loans and leases to deposits | 53.1579% | 5,891 |
| Net loans and leases to core deposits | 56.5253% | 5,857 |
| Total domestic deposits to total assets | 85.2369% | 3,918 |
| Equity capital to assets | 2.3987% | 7,264 |
| Core capital (leverage) ratio | 2.3440% | 7,263 |
| Tier 1 risk-based capital ratio | 3.5678% | 7,259 |
| Total risk-based capital ratio | 4.8731% | 7,258 |
| Memoranda: | ||
| Average total assets | $302,003,000 | 2,155 |
| Average earning assets | $245,493,500 | 2,406 |
| Average equity | $6,976,000 | 5,883 |
| Average total loans | $160,334,500 | 2,478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 3,705 |
| Cost of funding earning assets | 1.6355% | 419 |
| Net interest margin | 3.1862% | 6,136 |
| Noninterest income to average assets | 0.5081% | 3,790 |
| Noninterest expense to average assets | 4.0612% | 945 |
| Loan and lease loss provision to assets | 4.6928% | 28 |
| Net operating income to assets | -6.6497% | 7,328 |
| Return on assets (ROA) | -6.5091% | 7,328 |
| Pretax return on assets | -5.4081% | 7,317 |
| Return on Equity (ROE) | -111.3711% | 7,319 |
| Retained earnings to average equity (ytd only) | -111.3711% | 7,319 |
| Net charge-offs to loans | 6.7815% | 34 |
| Credit loss provision to net charge-offs | 111.8662% | 2,960 |
| Earnings coverage of net charge-offs (x) | -0.2040% | 5,960 |
| Efficiency ratio | 110.4175% | 432 |
| Assets per employee ($millions) | 2.9489% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6396% | 491 |
| Loan loss allowance to noncurrent loans | 17.2013% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 18.6776% | 64 |
| Noncurrent loans to loans | 21.1586% | 42 |
| Net loans and leases to total assets | 55.8696% | 4,729 |
| Net loans and leases to deposits | 65.6653% | 4,782 |
| Net loans and leases to core deposits | 70.0105% | 4,775 |
| Total domestic deposits to total assets | 85.0825% | 3,799 |
| Equity capital to assets | 2.2187% | 7,311 |
| Core capital (leverage) ratio | 2.0609% | 7,320 |
| Tier 1 risk-based capital ratio | 3.1363% | 7,311 |
| Total risk-based capital ratio | 4.4233% | 7,312 |
| Memoranda: | ||
| Average total assets | $309,366,600 | 2,069 |
| Average earning assets | $261,880,200 | 2,225 |
| Average equity | $18,081,000 | 3,413 |
| Average total loans | $191,374,800 | 2,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 3,120 |
| Cost of funding earning assets | 1.6680% | 442 |
| Net interest margin | 3.3245% | 5,786 |
| Noninterest income to average assets | 0.8399% | 1,877 |
| Noninterest expense to average assets | 3.4455% | 2,087 |
| Loan and lease loss provision to assets | 5.0770% | 29 |
| Net operating income to assets | -4.8657% | 7,374 |
| Return on assets (ROA) | -4.7397% | 7,371 |
| Pretax return on assets | -4.7397% | 7,371 |
| Return on Equity (ROE) | -70.6452% | 7,346 |
| Retained earnings to average equity (ytd only) | -70.6452% | 7,344 |
| Net charge-offs to loans | 6.7676% | 43 |
| Credit loss provision to net charge-offs | 119.4855% | 2,728 |
| Earnings coverage of net charge-offs (x) | 0.0497% | 5,560 |
| Efficiency ratio | 94.1383% | 910 |
| Assets per employee ($millions) | 2.8711% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6723% | 498 |
| Loan loss allowance to noncurrent loans | 24.4629% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 13.8301% | 164 |
| Noncurrent loans to loans | 15.0116% | 138 |
| Net loans and leases to total assets | 56.5424% | 4,753 |
| Net loans and leases to deposits | 68.3610% | 4,546 |
| Net loans and leases to core deposits | 70.2353% | 4,923 |
| Total domestic deposits to total assets | 82.7115% | 4,789 |
| Equity capital to assets | 5.0557% | 7,260 |
| Core capital (leverage) ratio | 3.3845% | 7,335 |
| Tier 1 risk-based capital ratio | 5.0284% | 7,321 |
| Total risk-based capital ratio | 6.3185% | 7,322 |
| Memoranda: | ||
| Average total assets | $312,248,750 | 2,061 |
| Average earning assets | $264,577,750 | 2,215 |
| Average equity | $20,949,250 | 3,016 |
| Average total loans | $196,047,000 | 2,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 2,490 |
| Cost of funding earning assets | 1.6721% | 525 |
| Net interest margin | 3.4720% | 5,283 |
| Noninterest income to average assets | 1.0052% | 1,301 |
| Noninterest expense to average assets | 3.7543% | 1,440 |
| Loan and lease loss provision to assets | 2.9287% | 159 |
| Net operating income to assets | -2.7268% | 7,285 |
| Return on assets (ROA) | -2.6322% | 7,284 |
| Pretax return on assets | -2.6322% | 7,270 |
| Return on Equity (ROE) | -36.2801% | 7,288 |
| Retained earnings to average equity (ytd only) | -36.2801% | 7,283 |
| Net charge-offs to loans | 5.4642% | 104 |
| Credit loss provision to net charge-offs | 83.5704% | 3,662 |
| Earnings coverage of net charge-offs (x) | 0.0576% | 5,247 |
| Efficiency ratio | 94.7827% | 933 |
| Assets per employee ($millions) | 2.8578% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,373 |
| Loan loss allowance to noncurrent loans | 18.1304% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 11.5664% | 282 |
| Noncurrent loans to loans | 11.0334% | 314 |
| Net loans and leases to total assets | 60.4558% | 4,192 |
| Net loans and leases to deposits | 74.9438% | 3,652 |
| Net loans and leases to core deposits | 76.9207% | 4,199 |
| Total domestic deposits to total assets | 80.6682% | 5,631 |
| Equity capital to assets | 7.0290% | 7,094 |
| Core capital (leverage) ratio | 5.6025% | 7,248 |
| Tier 1 risk-based capital ratio | 7.8522% | 7,255 |
| Total risk-based capital ratio | 9.1158% | 7,258 |
| Memoranda: | ||
| Average total assets | $312,970,330 | 2,054 |
| Average earning assets | $266,015,670 | 2,213 |
| Average equity | $22,706,670 | 2,789 |
| Average total loans | $200,725,000 | 2,077 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 1,602 |
| Cost of funding earning assets | 1.6820% | 599 |
| Net interest margin | 3.7052% | 4,073 |
| Noninterest income to average assets | 0.5661% | 3,396 |
| Noninterest expense to average assets | 4.3161% | 711 |
| Loan and lease loss provision to assets | 4.1287% | 100 |
| Net operating income to assets | -4.7216% | 7,480 |
| Return on assets (ROA) | -4.7216% | 7,479 |
| Pretax return on assets | -4.7216% | 7,469 |
| Return on Equity (ROE) | -64.0865% | 7,452 |
| Retained earnings to average equity (ytd only) | -64.0865% | 7,443 |
| Net charge-offs to loans | 7.8573% | 56 |
| Credit loss provision to net charge-offs | 80.4073% | 3,150 |
| Earnings coverage of net charge-offs (x) | -0.1155% | 4,649 |
| Efficiency ratio | 115.7877% | 397 |
| Assets per employee ($millions) | 2.9299% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 2,492 |
| Loan loss allowance to noncurrent loans | 25.0586% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 9.3447% | 458 |
| Noncurrent loans to loans | 7.8661% | 643 |
| Net loans and leases to total assets | 62.1757% | 3,816 |
| Net loans and leases to deposits | 76.9429% | 3,265 |
| Net loans and leases to core deposits | 80.3768% | 3,691 |
| Total domestic deposits to total assets | 80.8075% | 5,717 |
| Equity capital to assets | 6.7801% | 7,146 |
| Core capital (leverage) ratio | 5.6897% | 7,295 |
| Tier 1 risk-based capital ratio | 7.7143% | 7,313 |
| Total risk-based capital ratio | 8.9743% | 7,318 |
| Memoranda: | ||
| Average total assets | $313,707,000 | 2,075 |
| Average earning assets | $267,296,500 | 2,218 |
| Average equity | $23,112,500 | 2,735 |
| Average total loans | $205,006,500 | 2,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5218% | 2,198 |
| Cost of funding earning assets | 1.8856% | 892 |
| Net interest margin | 3.6362% | 4,643 |
| Noninterest income to average assets | 0.7131% | 2,765 |
| Noninterest expense to average assets | 3.2611% | 2,864 |
| Loan and lease loss provision to assets | 0.7966% | 2,046 |
| Net operating income to assets | 0.0065% | 5,822 |
| Return on assets (ROA) | 0.0512% | 5,841 |
| Pretax return on assets | -0.1254% | 6,019 |
| Return on Equity (ROE) | 0.6523% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.6523% | 5,248 |
| Net charge-offs to loans | 1.6406% | 1,320 |
| Credit loss provision to net charge-offs | 71.9048% | 5,814 |
| Earnings coverage of net charge-offs (x) | 0.5429% | 5,566 |
| Efficiency ratio | 84.3014% | 1,885 |
| Assets per employee ($millions) | 2.8017% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,746 |
| Loan loss allowance to noncurrent loans | 27.2154% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 9.5801% | 446 |
| Noncurrent loans to loans | 8.3295% | 603 |
| Net loans and leases to total assets | 65.7813% | 3,509 |
| Net loans and leases to deposits | 82.6153% | 2,696 |
| Net loans and leases to core deposits | 88.6879% | 2,950 |
| Total domestic deposits to total assets | 79.6237% | 5,931 |
| Equity capital to assets | 7.9653% | 6,525 |
| Core capital (leverage) ratio | 7.2576% | 6,872 |
| Tier 1 risk-based capital ratio | 9.6257% | 7,100 |
| Total risk-based capital ratio | 10.8902% | 7,099 |
| Memoranda: | ||
| Average total assets | $322,250,200 | 2,017 |
| Average earning assets | $279,112,800 | 2,118 |
| Average equity | $25,296,400 | 2,519 |
| Average total loans | $217,601,200 | 1,987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 2,348 |
| Cost of funding earning assets | 1.9244% | 949 |
| Net interest margin | 3.5966% | 4,896 |
| Noninterest income to average assets | 0.9594% | 1,589 |
| Noninterest expense to average assets | 3.2325% | 2,810 |
| Loan and lease loss provision to assets | 0.9745% | 1,535 |
| Net operating income to assets | -0.0488% | 6,096 |
| Return on assets (ROA) | 0.0103% | 6,106 |
| Pretax return on assets | -0.0308% | 6,139 |
| Return on Equity (ROE) | 0.1311% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.1311% | 5,725 |
| Net charge-offs to loans | 1.8755% | 1,022 |
| Credit loss provision to net charge-offs | 76.8932% | 5,230 |
| Earnings coverage of net charge-offs (x) | 0.6718% | 5,372 |
| Efficiency ratio | 79.0298% | 2,482 |
| Assets per employee ($millions) | 2.9004% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 1,599 |
| Loan loss allowance to noncurrent loans | 25.6510% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 9.0687% | 495 |
| Noncurrent loans to loans | 9.0390% | 530 |
| Net loans and leases to total assets | 65.8750% | 3,720 |
| Net loans and leases to deposits | 82.4999% | 3,013 |
| Net loans and leases to core deposits | 89.0240% | 3,230 |
| Total domestic deposits to total assets | 79.8486% | 5,755 |
| Equity capital to assets | 8.0859% | 6,726 |
| Core capital (leverage) ratio | 7.5526% | 6,813 |
| Tier 1 risk-based capital ratio | 9.9974% | 7,072 |
| Total risk-based capital ratio | 11.2682% | 7,044 |
| Memoranda: | ||
| Average total assets | $325,065,750 | 2,026 |
| Average earning assets | $282,407,750 | 2,129 |
| Average equity | $25,427,750 | 2,546 |
| Average total loans | $219,672,250 | 2,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5766% | 2,220 |
| Cost of funding earning assets | 1.9830% | 947 |
| Net interest margin | 3.5936% | 4,843 |
| Noninterest income to average assets | 1.2297% | 858 |
| Noninterest expense to average assets | 3.1824% | 2,967 |
| Loan and lease loss provision to assets | 0.4759% | 2,929 |
| Net operating income to assets | 0.4937% | 4,356 |
| Return on assets (ROA) | 0.4937% | 4,516 |
| Pretax return on assets | 0.6955% | 4,255 |
| Return on Equity (ROE) | 6.3822% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.3822% | 2,127 |
| Net charge-offs to loans | 0.7509% | 2,362 |
| Credit loss provision to net charge-offs | 93.7198% | 4,305 |
| Earnings coverage of net charge-offs (x) | 2.3068% | 3,844 |
| Efficiency ratio | 72.9821% | 3,662 |
| Assets per employee ($millions) | 2.8333% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6036% | 1,188 |
| Loan loss allowance to noncurrent loans | 25.3234% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 9.1809% | 478 |
| Noncurrent loans to loans | 10.2814% | 427 |
| Net loans and leases to total assets | 65.3955% | 3,965 |
| Net loans and leases to deposits | 81.8598% | 3,294 |
| Net loans and leases to core deposits | 87.7944% | 3,574 |
| Total domestic deposits to total assets | 79.8872% | 5,761 |
| Equity capital to assets | 8.1838% | 6,561 |
| Core capital (leverage) ratio | 7.5997% | 6,734 |
| Tier 1 risk-based capital ratio | 10.2293% | 6,894 |
| Total risk-based capital ratio | 11.5010% | 6,857 |
| Memoranda: | ||
| Average total assets | $326,106,670 | 2,035 |
| Average earning assets | $283,506,670 | 2,128 |
| Average equity | $25,226,330 | 2,568 |
| Average total loans | $220,525,000 | 2,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5535% | 2,350 |
| Cost of funding earning assets | 1.9888% | 1,133 |
| Net interest margin | 3.5647% | 4,880 |
| Noninterest income to average assets | 0.6633% | 2,863 |
| Noninterest expense to average assets | 3.1179% | 3,195 |
| Loan and lease loss provision to assets | 0.2158% | 4,348 |
| Net operating income to assets | 0.3053% | 5,281 |
| Return on assets (ROA) | 0.3053% | 5,405 |
| Pretax return on assets | 0.4304% | 5,191 |
| Return on Equity (ROE) | 4.0641% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.0641% | 3,715 |
| Net charge-offs to loans | 0.6829% | 2,125 |
| Credit loss provision to net charge-offs | 46.5608% | 4,532 |
| Earnings coverage of net charge-offs (x) | 1.3942% | 3,908 |
| Efficiency ratio | 82.7036% | 2,175 |
| Assets per employee ($millions) | 2.6606% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5155% | 1,273 |
| Loan loss allowance to noncurrent loans | 21.5471% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 9.3369% | 455 |
| Noncurrent loans to loans | 11.6744% | 307 |
| Net loans and leases to total assets | 64.6255% | 4,189 |
| Net loans and leases to deposits | 80.2233% | 3,620 |
| Net loans and leases to core deposits | 86.5392% | 3,817 |
| Total domestic deposits to total assets | 80.5571% | 5,603 |
| Equity capital to assets | 7.4784% | 7,087 |
| Core capital (leverage) ratio | 7.3508% | 6,985 |
| Tier 1 risk-based capital ratio | 9.7682% | 7,166 |
| Total risk-based capital ratio | 11.0353% | 7,160 |
| Memoranda: | ||
| Average total assets | $326,246,000 | 2,084 |
| Average earning assets | $283,783,000 | 2,184 |
| Average equity | $24,507,000 | 2,664 |
| Average total loans | $221,401,000 | 2,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0796% | 1,578 |
| Cost of funding earning assets | 2.1355% | 2,306 |
| Net interest margin | 3.9441% | 3,105 |
| Noninterest income to average assets | 0.9774% | 1,643 |
| Noninterest expense to average assets | 3.1670% | 3,488 |
| Loan and lease loss provision to assets | 4.6398% | 248 |
| Net operating income to assets | -1.9228% | 7,058 |
| Return on assets (ROA) | -1.9010% | 7,049 |
| Pretax return on assets | -3.3060% | 7,373 |
| Return on Equity (ROE) | -21.4140% | 7,186 |
| Retained earnings to average equity (ytd only) | -21.4140% | 7,157 |
| Net charge-offs to loans | 5.2400% | 229 |
| Credit loss provision to net charge-offs | 123.1045% | 4,290 |
| Earnings coverage of net charge-offs (x) | 0.3449% | 5,769 |
| Efficiency ratio | 70.7861% | 4,478 |
| Assets per employee ($millions) | 2.8063% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5854% | 1,130 |
| Loan loss allowance to noncurrent loans | 26.0291% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 8.5065% | 497 |
| Noncurrent loans to loans | 9.9326% | 419 |
| Net loans and leases to total assets | 67.6987% | 3,769 |
| Net loans and leases to deposits | 84.5643% | 3,171 |
| Net loans and leases to core deposits | 99.7733% | 4,028 |
| Total domestic deposits to total assets | 80.0559% | 5,658 |
| Equity capital to assets | 7.5466% | 6,991 |
| Core capital (leverage) ratio | 7.3377% | 6,949 |
| Tier 1 risk-based capital ratio | 9.5150% | 7,215 |
| Total risk-based capital ratio | 10.7812% | 7,182 |
| Memoranda: | ||
| Average total assets | $318,092,200 | 2,120 |
| Average earning assets | $281,433,600 | 2,177 |
| Average equity | $28,238,600 | 2,356 |
| Average total loans | $228,798,400 | 2,034 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0911% | 1,680 |
| Cost of funding earning assets | 2.1722% | 2,544 |
| Net interest margin | 3.9189% | 3,163 |
| Noninterest income to average assets | 1.1485% | 1,190 |
| Noninterest expense to average assets | 3.1486% | 3,469 |
| Loan and lease loss provision to assets | 1.2005% | 1,617 |
| Net operating income to assets | 0.1704% | 5,248 |
| Return on assets (ROA) | 0.1704% | 5,318 |
| Pretax return on assets | 0.2859% | 5,102 |
| Return on Equity (ROE) | 1.8499% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.8499% | 4,281 |
| Net charge-offs to loans | 0.9611% | 2,054 |
| Credit loss provision to net charge-offs | 172.1854% | 2,693 |
| Earnings coverage of net charge-offs (x) | 2.1319% | 4,222 |
| Efficiency ratio | 67.8229% | 5,016 |
| Assets per employee ($millions) | 2.6130% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 2,254 |
| Loan loss allowance to noncurrent loans | 126.5374% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 2.5919% | 2,685 |
| Noncurrent loans to loans | 1.4288% | 4,531 |
| Net loans and leases to total assets | 70.0142% | 3,514 |
| Net loans and leases to deposits | 89.1971% | 2,744 |
| Net loans and leases to core deposits | 104.2192% | 3,911 |
| Total domestic deposits to total assets | 78.4938% | 5,950 |
| Equity capital to assets | 9.1290% | 5,291 |
| Core capital (leverage) ratio | 8.7335% | 5,076 |
| Tier 1 risk-based capital ratio | 11.1808% | 5,778 |
| Total risk-based capital ratio | 12.4419% | 5,715 |
| Memoranda: | ||
| Average total assets | $317,635,500 | 2,132 |
| Average earning assets | $282,588,750 | 2,183 |
| Average equity | $29,262,500 | 2,306 |
| Average total loans | $230,415,750 | 2,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0905% | 1,822 |
| Cost of funding earning assets | 2.2108% | 2,745 |
| Net interest margin | 3.8796% | 3,210 |
| Noninterest income to average assets | 1.0288% | 1,501 |
| Noninterest expense to average assets | 3.1707% | 3,428 |
| Loan and lease loss provision to assets | 0.1204% | 5,917 |
| Net operating income to assets | 0.8431% | 2,682 |
| Return on assets (ROA) | 0.8431% | 2,781 |
| Pretax return on assets | 1.1905% | 2,329 |
| Return on Equity (ROE) | 9.1230% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.1230% | 907 |
| Net charge-offs to loans | 0.1955% | 4,314 |
| Credit loss provision to net charge-offs | 84.4444% | 5,076 |
| Earnings coverage of net charge-offs (x) | 9.1911% | 2,162 |
| Efficiency ratio | 70.6365% | 4,646 |
| Assets per employee ($millions) | 2.5476% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,509 |
| Loan loss allowance to noncurrent loans | 86.2291% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2772% | 2,862 |
| Noncurrent loans to loans | 1.4662% | 4,294 |
| Net loans and leases to total assets | 71.5978% | 3,321 |
| Net loans and leases to deposits | 91.6150% | 2,543 |
| Net loans and leases to core deposits | 109.9722% | 3,370 |
| Total domestic deposits to total assets | 78.1507% | 6,036 |
| Equity capital to assets | 9.1899% | 5,030 |
| Core capital (leverage) ratio | 9.1085% | 4,449 |
| Tier 1 risk-based capital ratio | 11.3491% | 5,552 |
| Total risk-based capital ratio | 12.5144% | 5,538 |
| Memoranda: | ||
| Average total assets | $315,509,670 | 2,169 |
| Average earning assets | $280,799,670 | 2,218 |
| Average equity | $29,157,000 | 2,329 |
| Average total loans | $230,210,330 | 2,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 2,056 |
| Cost of funding earning assets | 2.3062% | 2,668 |
| Net interest margin | 3.7666% | 3,595 |
| Noninterest income to average assets | 1.0807% | 1,280 |
| Noninterest expense to average assets | 3.1692% | 3,117 |
| Loan and lease loss provision to assets | 0.0703% | 6,079 |
| Net operating income to assets | 0.8390% | 2,955 |
| Return on assets (ROA) | 0.8390% | 3,104 |
| Pretax return on assets | 1.1958% | 2,643 |
| Return on Equity (ROE) | 9.0528% | 2,693 |
| Retained earnings to average equity (ytd only) | 9.0528% | 1,465 |
| Net charge-offs to loans | 0.0978% | 4,198 |
| Credit loss provision to net charge-offs | 98.2143% | 3,837 |
| Earnings coverage of net charge-offs (x) | 17.6786% | 1,498 |
| Efficiency ratio | 71.3379% | 4,305 |
| Assets per employee ($millions) | 2.5102% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,213 |
| Loan loss allowance to noncurrent loans | 63.0186% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8913% | 3,072 |
| Noncurrent loans to loans | 2.0295% | 3,225 |
| Net loans and leases to total assets | 72.6524% | 3,082 |
| Net loans and leases to deposits | 94.4686% | 2,197 |
| Net loans and leases to core deposits | 112.1489% | 3,209 |
| Total domestic deposits to total assets | 76.9064% | 6,298 |
| Equity capital to assets | 9.1969% | 5,089 |
| Core capital (leverage) ratio | 9.0171% | 4,680 |
| Tier 1 risk-based capital ratio | 11.2736% | 5,623 |
| Total risk-based capital ratio | 12.4738% | 5,590 |
| Memoranda: | ||
| Average total assets | $312,763,000 | 2,199 |
| Average earning assets | $278,553,000 | 2,246 |
| Average equity | $28,985,500 | 2,346 |
| Average total loans | $228,928,500 | 2,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7146% | 1,979 |
| Cost of funding earning assets | 2.6267% | 3,548 |
| Net interest margin | 4.0879% | 2,767 |
| Noninterest income to average assets | 1.1013% | 1,295 |
| Noninterest expense to average assets | 3.4452% | 2,542 |
| Loan and lease loss provision to assets | 0.0615% | 6,637 |
| Net operating income to assets | 0.8363% | 3,279 |
| Return on assets (ROA) | 0.8493% | 3,063 |
| Pretax return on assets | 1.2103% | 2,604 |
| Return on Equity (ROE) | 9.3514% | 2,496 |
| Retained earnings to average equity (ytd only) | 4.9652% | 2,048 |
| Net charge-offs to loans | 1.2928% | 925 |
| Credit loss provision to net charge-offs | 6.6232% | 6,632 |
| Earnings coverage of net charge-offs (x) | 1.3497% | 5,452 |
| Efficiency ratio | 73.2162% | 3,709 |
| Assets per employee ($millions) | 2.3427% | 7,499 |
| Cash dividends to net income (ytd only)* | 46.9043% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 3,634 |
| Loan loss allowance to noncurrent loans | 125.5481% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 3,909 |
| Noncurrent loans to loans | 1.0538% | 4,467 |
| Net loans and leases to total assets | 71.8253% | 3,625 |
| Net loans and leases to deposits | 95.1587% | 2,586 |
| Net loans and leases to core deposits | 114.9710% | 3,239 |
| Total domestic deposits to total assets | 75.4795% | 6,346 |
| Equity capital to assets | 9.3398% | 4,883 |
| Core capital (leverage) ratio | 9.0126% | 4,721 |
| Tier 1 risk-based capital ratio | 11.3406% | 5,401 |
| Total risk-based capital ratio | 12.5753% | 5,315 |
| Memoranda: | ||
| Average total assets | $313,798,400 | 2,130 |
| Average earning assets | $276,129,600 | 2,193 |
| Average equity | $28,498,400 | 2,372 |
| Average total loans | $225,410,800 | 2,081 |