Home > Frontier Bank, FSB > Performance and Condition Ratios
Frontier Bank, FSB, Performance and Condition Ratios
| 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 | 3.8539% | 4,356 |
| Cost of funding earning assets | 0.4554% | 3,182 |
| Net interest margin | 3.3985% | 4,248 |
| Noninterest income to average assets | 0.4136% | 4,148 |
| Noninterest expense to average assets | 8.5362% | 96 |
| Loan and lease loss provision to assets | -1.1989% | 6,575 |
| Net operating income to assets | -3.9040% | 6,569 |
| Return on assets (ROA) | -3.9040% | 6,570 |
| Pretax return on assets | -3.9040% | 6,570 |
| Return on Equity (ROE) | -126.2197% | 6,584 |
| Retained earnings to average equity (ytd only) | -126.2197% | 6,584 |
| Net charge-offs to loans | 0.5197% | 741 |
| Credit loss provision to net charge-offs | -394.0887% | 5,702 |
| Earnings coverage of net charge-offs (x) | -16.7734% | 4,648 |
| Efficiency ratio | 248.6251% | 14 |
| Assets per employee ($millions) | 2.8834% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3406% | 121 |
| Loan loss allowance to noncurrent loans | 61.1420% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 5.6778% | 257 |
| Noncurrent loans to loans | 7.0992% | 160 |
| Net loans and leases to total assets | 56.9956% | 4,202 |
| Net loans and leases to deposits | 60.2745% | 4,914 |
| Net loans and leases to core deposits | 62.7682% | 4,980 |
| Total domestic deposits to total assets | 94.5600% | 32 |
| Equity capital to assets | 2.1316% | 6,572 |
| Core capital (leverage) ratio | 2.0548% | 6,580 |
| Tier 1 risk-based capital ratio | 3.7403% | 6,574 |
| Total risk-based capital ratio | 5.0344% | 6,574 |
| Memoranda: | ||
| Average total assets | $88,967,500 | 4,917 |
| Average earning assets | $79,051,750 | 4,963 |
| Average equity | $2,751,750 | 6,384 |
| Average total loans | $52,081,000 | 4,791 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,727 |
| Cost of funding earning assets | 0.4794% | 3,032 |
| Net interest margin | 3.2621% | 4,729 |
| Noninterest income to average assets | 0.3707% | 4,473 |
| Noninterest expense to average assets | 9.4056% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -6.1410% | 6,651 |
| Return on assets (ROA) | -6.1410% | 6,651 |
| Pretax return on assets | -6.1410% | 6,651 |
| Return on Equity (ROE) | -181.9515% | 6,653 |
| Retained earnings to average equity (ytd only) | -181.9515% | 6,653 |
| Net charge-offs to loans | 0.6479% | 599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -16.2775% | 4,330 |
| Efficiency ratio | 288.1096% | 8 |
| Assets per employee ($millions) | 2.9778% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8640% | 52 |
| Loan loss allowance to noncurrent loans | 77.1958% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 5.9393% | 253 |
| Noncurrent loans to loans | 7.5963% | 148 |
| Net loans and leases to total assets | 54.2434% | 4,511 |
| Net loans and leases to deposits | 57.0296% | 5,120 |
| Net loans and leases to core deposits | 60.8888% | 5,064 |
| Total domestic deposits to total assets | 95.1145% | 28 |
| Equity capital to assets | 1.7428% | 6,650 |
| Core capital (leverage) ratio | 1.6779% | 6,651 |
| Tier 1 risk-based capital ratio | 3.1977% | 6,648 |
| Total risk-based capital ratio | 4.5117% | 6,648 |
| Memoranda: | ||
| Average total assets | $91,711,330 | 4,884 |
| Average earning assets | $81,359,670 | 4,953 |
| Average equity | $3,095,330 | 6,372 |
| Average total loans | $53,406,670 | 4,771 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,649 |
| Cost of funding earning assets | 0.4890% | 3,022 |
| Net interest margin | 3.5187% | 3,610 |
| Noninterest income to average assets | 0.4619% | 3,696 |
| Noninterest expense to average assets | 6.9119% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -3.3394% | 6,697 |
| Return on assets (ROA) | -3.3394% | 6,696 |
| Pretax return on assets | -3.3394% | 6,695 |
| Return on Equity (ROE) | -81.0179% | 6,712 |
| Retained earnings to average equity (ytd only) | -81.0179% | 6,705 |
| Net charge-offs to loans | 0.1811% | 1,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -31.5200% | 3,632 |
| Efficiency ratio | 193.4757% | 30 |
| Assets per employee ($millions) | 3.2267% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7653% | 62 |
| Loan loss allowance to noncurrent loans | 76.2876% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 4.8539% | 436 |
| Noncurrent loans to loans | 7.5574% | 192 |
| Net loans and leases to total assets | 53.5555% | 4,480 |
| Net loans and leases to deposits | 57.3682% | 5,000 |
| Net loans and leases to core deposits | 61.1818% | 4,948 |
| Total domestic deposits to total assets | 93.3539% | 87 |
| Equity capital to assets | 3.7510% | 6,679 |
| Core capital (leverage) ratio | 3.7161% | 6,682 |
| Tier 1 risk-based capital ratio | 7.0989% | 6,650 |
| Total risk-based capital ratio | 8.4121% | 6,650 |
| Memoranda: | ||
| Average total assets | $94,388,500 | 4,863 |
| Average earning assets | $83,440,500 | 4,933 |
| Average equity | $3,890,500 | 6,270 |
| Average total loans | $55,229,500 | 4,754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,844 |
| Cost of funding earning assets | 0.5358% | 3,243 |
| Net interest margin | 3.2559% | 4,817 |
| Noninterest income to average assets | 0.9042% | 1,665 |
| Noninterest expense to average assets | 5.1685% | 309 |
| Loan and lease loss provision to assets | -0.8702% | 6,790 |
| Net operating income to assets | -0.4323% | 6,467 |
| Return on assets (ROA) | -0.4323% | 6,479 |
| Pretax return on assets | -0.4323% | 6,466 |
| Return on Equity (ROE) | -16.2932% | 6,659 |
| Retained earnings to average equity (ytd only) | -16.2932% | 6,636 |
| Net charge-offs to loans | 1.2610% | 413 |
| Credit loss provision to net charge-offs | -117.8691% | 5,906 |
| Earnings coverage of net charge-offs (x) | -1.7643% | 5,313 |
| Efficiency ratio | 133.6911% | 104 |
| Assets per employee ($millions) | 3.1734% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3964% | 76 |
| Loan loss allowance to noncurrent loans | 57.0822% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 6.2425% | 299 |
| Noncurrent loans to loans | 9.4537% | 129 |
| Net loans and leases to total assets | 56.9184% | 4,203 |
| Net loans and leases to deposits | 61.4788% | 4,776 |
| Net loans and leases to core deposits | 65.1596% | 4,762 |
| Total domestic deposits to total assets | 92.5822% | 181 |
| Equity capital to assets | 4.4862% | 6,725 |
| Core capital (leverage) ratio | 4.4782% | 6,732 |
| Tier 1 risk-based capital ratio | 8.0295% | 6,695 |
| Total risk-based capital ratio | 9.3366% | 6,693 |
| Memoranda: | ||
| Average total assets | $161,459,800 | 3,539 |
| Average earning assets | $146,871,800 | 3,557 |
| Average equity | $4,284,000 | 6,268 |
| Average total loans | $94,531,800 | 3,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 5,240 |
| Cost of funding earning assets | 0.5267% | 3,501 |
| Net interest margin | 3.1471% | 5,156 |
| Noninterest income to average assets | 0.0741% | 6,561 |
| Noninterest expense to average assets | 4.4338% | 556 |
| Loan and lease loss provision to assets | -0.3782% | 6,800 |
| Net operating income to assets | -1.1084% | 6,722 |
| Return on assets (ROA) | -1.1084% | 6,720 |
| Pretax return on assets | -1.1084% | 6,712 |
| Return on Equity (ROE) | -46.0267% | 6,855 |
| Retained earnings to average equity (ytd only) | -46.0267% | 6,852 |
| Net charge-offs to loans | 0.0205% | 4,722 |
| Credit loss provision to net charge-offs | -3,156.2500% | 6,320 |
| Earnings coverage of net charge-offs (x) | -124.0788% | 5,203 |
| Efficiency ratio | 150.4447% | 73 |
| Assets per employee ($millions) | 4.4364% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8375% | 63 |
| Loan loss allowance to noncurrent loans | 66.4737% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 6.0135% | 402 |
| Noncurrent loans to loans | 8.7817% | 185 |
| Net loans and leases to total assets | 50.7755% | 5,034 |
| Net loans and leases to deposits | 52.8392% | 5,638 |
| Net loans and leases to core deposits | 55.8446% | 5,638 |
| Total domestic deposits to total assets | 96.0944% | 23 |
| Equity capital to assets | 2.1426% | 6,874 |
| Core capital (leverage) ratio | 2.1211% | 6,882 |
| Tier 1 risk-based capital ratio | 4.6027% | 6,855 |
| Total risk-based capital ratio | 5.9276% | 6,856 |
| Memoranda: | ||
| Average total assets | $178,024,000 | 3,323 |
| Average earning assets | $162,518,500 | 3,335 |
| Average equity | $4,287,250 | 6,340 |
| Average total loans | $103,845,000 | 3,392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,903 |
| Cost of funding earning assets | 0.5518% | 3,392 |
| Net interest margin | 3.2254% | 4,856 |
| Noninterest income to average assets | 0.2748% | 5,484 |
| Noninterest expense to average assets | 4.2256% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.0063% | 6,756 |
| Return on assets (ROA) | -1.0063% | 6,759 |
| Pretax return on assets | -1.0063% | 6,737 |
| Return on Equity (ROE) | -40.4489% | 6,891 |
| Retained earnings to average equity (ytd only) | -40.4489% | 6,885 |
| Net charge-offs to loans | 0.1285% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -13.1286% | 4,869 |
| Efficiency ratio | 131.2585% | 118 |
| Assets per employee ($millions) | 4.1765% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7052% | 79 |
| Loan loss allowance to noncurrent loans | 71.0510% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 5.9906% | 457 |
| Noncurrent loans to loans | 8.0298% | 256 |
| Net loans and leases to total assets | 54.2252% | 4,558 |
| Net loans and leases to deposits | 56.5405% | 5,287 |
| Net loans and leases to core deposits | 60.8565% | 5,187 |
| Total domestic deposits to total assets | 95.9051% | 26 |
| Equity capital to assets | 2.3920% | 6,921 |
| Core capital (leverage) ratio | 2.3612% | 6,926 |
| Tier 1 risk-based capital ratio | 4.8746% | 6,899 |
| Total risk-based capital ratio | 6.1927% | 6,899 |
| Memoranda: | ||
| Average total assets | $182,649,330 | 3,286 |
| Average earning assets | $166,739,670 | 3,304 |
| Average equity | $4,544,000 | 6,323 |
| Average total loans | $108,955,330 | 3,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 5,344 |
| Cost of funding earning assets | 0.5650% | 3,429 |
| Net interest margin | 3.0715% | 5,363 |
| Noninterest income to average assets | 0.2124% | 5,962 |
| Noninterest expense to average assets | 4.3938% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.3761% | 6,874 |
| Return on assets (ROA) | -1.3761% | 6,878 |
| Pretax return on assets | -1.3761% | 6,870 |
| Return on Equity (ROE) | -54.3624% | 6,974 |
| Retained earnings to average equity (ytd only) | -54.3624% | 6,968 |
| Net charge-offs to loans | 0.7356% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.0857% | 4,048 |
| Efficiency ratio | 145.6017% | 95 |
| Assets per employee ($millions) | 4.2025% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9462% | 142 |
| Loan loss allowance to noncurrent loans | 54.2806% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 6.8763% | 414 |
| Noncurrent loans to loans | 9.1123% | 258 |
| Net loans and leases to total assets | 56.9326% | 3,937 |
| Net loans and leases to deposits | 59.3166% | 4,872 |
| Net loans and leases to core deposits | 65.8555% | 4,553 |
| Total domestic deposits to total assets | 95.9807% | 26 |
| Equity capital to assets | 2.4066% | 6,994 |
| Core capital (leverage) ratio | 2.3342% | 6,993 |
| Tier 1 risk-based capital ratio | 4.5947% | 6,965 |
| Total risk-based capital ratio | 5.9018% | 6,966 |
| Memoranda: | ||
| Average total assets | $188,356,000 | 3,243 |
| Average earning assets | $172,032,000 | 3,255 |
| Average equity | $4,768,000 | 6,313 |
| Average total loans | $114,197,500 | 3,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 5,311 |
| Cost of funding earning assets | 0.8012% | 2,656 |
| Net interest margin | 3.1968% | 5,574 |
| Noninterest income to average assets | 0.5160% | 3,801 |
| Noninterest expense to average assets | 4.9140% | 401 |
| Loan and lease loss provision to assets | 0.2611% | 2,556 |
| Net operating income to assets | -1.7490% | 6,905 |
| Return on assets (ROA) | -1.6026% | 6,893 |
| Pretax return on assets | -1.6026% | 6,873 |
| Return on Equity (ROE) | -51.9263% | 7,023 |
| Retained earnings to average equity (ytd only) | -51.9263% | 7,018 |
| Net charge-offs to loans | 1.0893% | 973 |
| Credit loss provision to net charge-offs | 38.4615% | 4,962 |
| Earnings coverage of net charge-offs (x) | -2.1920% | 5,841 |
| Efficiency ratio | 143.4297% | 107 |
| Assets per employee ($millions) | 4.4605% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8350% | 146 |
| Loan loss allowance to noncurrent loans | 52.5014% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 7.5896% | 392 |
| Noncurrent loans to loans | 9.2092% | 277 |
| Net loans and leases to total assets | 58.3701% | 3,905 |
| Net loans and leases to deposits | 62.6728% | 4,700 |
| Net loans and leases to core deposits | 69.5412% | 4,372 |
| Total domestic deposits to total assets | 93.1346% | 115 |
| Equity capital to assets | 2.6517% | 7,044 |
| Core capital (leverage) ratio | 2.5877% | 7,040 |
| Tier 1 risk-based capital ratio | 4.8987% | 7,021 |
| Total risk-based capital ratio | 6.2033% | 7,020 |
| Memoranda: | ||
| Average total assets | $243,222,200 | 2,599 |
| Average earning assets | $221,408,200 | 2,599 |
| Average equity | $7,506,800 | 5,638 |
| Average total loans | $151,558,600 | 2,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 5,194 |
| Cost of funding earning assets | 0.7981% | 2,960 |
| Net interest margin | 3.2998% | 5,399 |
| Noninterest income to average assets | 0.3957% | 4,671 |
| Noninterest expense to average assets | 4.6907% | 462 |
| Loan and lease loss provision to assets | 0.1926% | 3,174 |
| Net operating income to assets | -1.4823% | 6,965 |
| Return on assets (ROA) | -1.3667% | 6,958 |
| Pretax return on assets | -1.3667% | 6,935 |
| Return on Equity (ROE) | -43.1448% | 7,105 |
| Retained earnings to average equity (ytd only) | -43.1448% | 7,098 |
| Net charge-offs to loans | 1.5021% | 570 |
| Credit loss provision to net charge-offs | 20.5214% | 4,945 |
| Earnings coverage of net charge-offs (x) | -1.3738% | 5,608 |
| Efficiency ratio | 137.9210% | 123 |
| Assets per employee ($millions) | 4.4072% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7109% | 391 |
| Loan loss allowance to noncurrent loans | 36.8601% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 7.5562% | 436 |
| Noncurrent loans to loans | 10.0674% | 243 |
| Net loans and leases to total assets | 55.4171% | 4,535 |
| Net loans and leases to deposits | 62.3060% | 4,934 |
| Net loans and leases to core deposits | 68.1694% | 4,710 |
| Total domestic deposits to total assets | 88.9434% | 1,467 |
| Equity capital to assets | 2.6547% | 7,144 |
| Core capital (leverage) ratio | 2.5292% | 7,146 |
| Tier 1 risk-based capital ratio | 4.7630% | 7,121 |
| Total risk-based capital ratio | 6.0474% | 7,121 |
| Memoranda: | ||
| Average total assets | $256,077,250 | 2,497 |
| Average earning assets | $233,217,000 | 2,498 |
| Average equity | $8,112,000 | 5,525 |
| Average total loans | $160,037,500 | 2,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 4,607 |
| Cost of funding earning assets | 0.8292% | 2,959 |
| Net interest margin | 3.4633% | 4,827 |
| Noninterest income to average assets | 0.5687% | 3,460 |
| Noninterest expense to average assets | 4.5754% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.8512% | 6,872 |
| Return on assets (ROA) | -0.6799% | 6,847 |
| Pretax return on assets | -0.6799% | 6,815 |
| Return on Equity (ROE) | -20.4124% | 7,043 |
| Retained earnings to average equity (ytd only) | -20.4124% | 7,019 |
| Net charge-offs to loans | 1.2636% | 853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.0515% | 5,313 |
| Efficiency ratio | 122.8554% | 206 |
| Assets per employee ($millions) | 4.3530% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7261% | 416 |
| Loan loss allowance to noncurrent loans | 49.9956% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 5.9515% | 719 |
| Noncurrent loans to loans | 7.4529% | 498 |
| Net loans and leases to total assets | 56.8913% | 4,343 |
| Net loans and leases to deposits | 65.8983% | 4,520 |
| Net loans and leases to core deposits | 72.6035% | 4,228 |
| Total domestic deposits to total assets | 86.3319% | 3,176 |
| Equity capital to assets | 3.1971% | 7,174 |
| Core capital (leverage) ratio | 3.1020% | 7,172 |
| Tier 1 risk-based capital ratio | 5.7908% | 7,135 |
| Total risk-based capital ratio | 7.0743% | 7,134 |
| Memoranda: | ||
| Average total assets | $259,168,670 | 2,473 |
| Average earning assets | $236,130,330 | 2,465 |
| Average equity | $8,632,000 | 5,371 |
| Average total loans | $166,036,000 | 2,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 3,655 |
| Cost of funding earning assets | 0.8492% | 3,073 |
| Net interest margin | 3.7159% | 3,760 |
| Noninterest income to average assets | 0.3411% | 5,125 |
| Noninterest expense to average assets | 4.7123% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.9895% | 6,993 |
| Return on assets (ROA) | -0.9895% | 7,012 |
| Pretax return on assets | -0.9895% | 6,977 |
| Return on Equity (ROE) | -29.1320% | 7,162 |
| Retained earnings to average equity (ytd only) | -29.1320% | 7,127 |
| Net charge-offs to loans | 0.9193% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.6181% | 4,598 |
| Efficiency ratio | 126.5786% | 180 |
| Assets per employee ($millions) | 4.1172% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8079% | 431 |
| Loan loss allowance to noncurrent loans | 53.7092% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 6.5976% | 677 |
| Noncurrent loans to loans | 7.0899% | 621 |
| Net loans and leases to total assets | 61.4132% | 3,371 |
| Net loans and leases to deposits | 70.7485% | 3,621 |
| Net loans and leases to core deposits | 78.2704% | 3,288 |
| Total domestic deposits to total assets | 86.8049% | 3,065 |
| Equity capital to assets | 3.3001% | 7,222 |
| Core capital (leverage) ratio | 3.1593% | 7,226 |
| Tier 1 risk-based capital ratio | 5.4568% | 7,189 |
| Total risk-based capital ratio | 6.7487% | 7,190 |
| Memoranda: | ||
| Average total assets | $260,340,500 | 2,478 |
| Average earning assets | $236,929,000 | 2,476 |
| Average equity | $8,842,500 | 5,329 |
| Average total loans | $173,171,000 | 2,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 3,196 |
| Cost of funding earning assets | 0.9433% | 3,763 |
| Net interest margin | 3.9886% | 2,941 |
| Noninterest income to average assets | 0.2866% | 5,486 |
| Noninterest expense to average assets | 4.8941% | 410 |
| Loan and lease loss provision to assets | 1.8827% | 338 |
| Net operating income to assets | -2.8698% | 7,163 |
| Return on assets (ROA) | -2.8506% | 7,169 |
| Pretax return on assets | -2.8429% | 7,169 |
| Return on Equity (ROE) | -57.2349% | 7,235 |
| Retained earnings to average equity (ytd only) | -57.2349% | 7,235 |
| Net charge-offs to loans | 2.1806% | 595 |
| Credit loss provision to net charge-offs | 119.2053% | 2,682 |
| Earnings coverage of net charge-offs (x) | -0.6201% | 6,121 |
| Efficiency ratio | 123.1920% | 282 |
| Assets per employee ($millions) | 4.1476% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 772 |
| Loan loss allowance to noncurrent loans | 36.5686% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 7.4651% | 591 |
| Noncurrent loans to loans | 8.3684% | 457 |
| Net loans and leases to total assets | 67.0536% | 2,575 |
| Net loans and leases to deposits | 77.4374% | 2,931 |
| Net loans and leases to core deposits | 85.6835% | 2,672 |
| Total domestic deposits to total assets | 86.5907% | 2,981 |
| Equity capital to assets | 3.4922% | 7,253 |
| Core capital (leverage) ratio | 3.3709% | 7,248 |
| Tier 1 risk-based capital ratio | 5.3241% | 7,232 |
| Total risk-based capital ratio | 6.5999% | 7,232 |
| Memoranda: | ||
| Average total assets | $286,816,000 | 2,224 |
| Average earning assets | $260,892,000 | 2,231 |
| Average equity | $14,285,000 | 4,049 |
| Average total loans | $207,742,800 | 1,974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 3,312 |
| Cost of funding earning assets | 0.9506% | 4,041 |
| Net interest margin | 4.0026% | 2,904 |
| Noninterest income to average assets | 0.5089% | 3,803 |
| Noninterest expense to average assets | 4.8080% | 434 |
| Loan and lease loss provision to assets | 0.5061% | 1,956 |
| Net operating income to assets | -1.1755% | 6,948 |
| Return on assets (ROA) | -1.1664% | 6,966 |
| Pretax return on assets | -1.1564% | 6,924 |
| Return on Equity (ROE) | -21.9577% | 7,122 |
| Retained earnings to average equity (ytd only) | -21.9577% | 7,109 |
| Net charge-offs to loans | 1.1978% | 1,310 |
| Credit loss provision to net charge-offs | 57.7582% | 4,858 |
| Earnings coverage of net charge-offs (x) | -0.7525% | 5,892 |
| Efficiency ratio | 113.9537% | 374 |
| Assets per employee ($millions) | 4.7645% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 2,389 |
| Loan loss allowance to noncurrent loans | 19.5181% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 8.3674% | 510 |
| Noncurrent loans to loans | 10.1486% | 349 |
| Net loans and leases to total assets | 67.1579% | 2,641 |
| Net loans and leases to deposits | 78.5245% | 2,886 |
| Net loans and leases to core deposits | 87.8473% | 2,515 |
| Total domestic deposits to total assets | 85.5249% | 3,475 |
| Equity capital to assets | 5.2255% | 7,247 |
| Core capital (leverage) ratio | 5.1276% | 7,221 |
| Tier 1 risk-based capital ratio | 8.2582% | 7,170 |
| Total risk-based capital ratio | 9.5194% | 7,172 |
| Memoranda: | ||
| Average total assets | $293,195,750 | 2,185 |
| Average earning assets | $266,621,000 | 2,200 |
| Average equity | $15,575,000 | 3,810 |
| Average total loans | $214,493,500 | 1,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,077 |
| Cost of funding earning assets | 0.9418% | 4,383 |
| Net interest margin | 4.0751% | 2,510 |
| Noninterest income to average assets | 0.6318% | 2,937 |
| Noninterest expense to average assets | 4.8939% | 400 |
| Loan and lease loss provision to assets | 0.5471% | 1,776 |
| Net operating income to assets | -1.1056% | 6,977 |
| Return on assets (ROA) | -1.1089% | 6,985 |
| Pretax return on assets | -1.1150% | 6,932 |
| Return on Equity (ROE) | -20.7683% | 7,159 |
| Retained earnings to average equity (ytd only) | -20.7683% | 7,144 |
| Net charge-offs to loans | 0.3246% | 3,263 |
| Credit loss provision to net charge-offs | 225.8333% | 1,326 |
| Earnings coverage of net charge-offs (x) | -2.3306% | 5,728 |
| Efficiency ratio | 110.7554% | 467 |
| Assets per employee ($millions) | 4.7349% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 1,501 |
| Loan loss allowance to noncurrent loans | 24.7408% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 9.4024% | 438 |
| Noncurrent loans to loans | 9.9717% | 387 |
| Net loans and leases to total assets | 73.1591% | 1,563 |
| Net loans and leases to deposits | 86.1665% | 1,771 |
| Net loans and leases to core deposits | 95.5468% | 1,729 |
| Total domestic deposits to total assets | 84.9043% | 3,921 |
| Equity capital to assets | 5.6398% | 7,282 |
| Core capital (leverage) ratio | 5.5775% | 7,249 |
| Tier 1 risk-based capital ratio | 8.6721% | 7,204 |
| Total risk-based capital ratio | 9.9423% | 7,205 |
| Memoranda: | ||
| Average total assets | $297,226,670 | 2,166 |
| Average earning assets | $269,683,330 | 2,183 |
| Average equity | $15,870,330 | 3,754 |
| Average total loans | $221,792,000 | 1,899 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 3,642 |
| Cost of funding earning assets | 0.9516% | 4,551 |
| Net interest margin | 3.9388% | 2,960 |
| Noninterest income to average assets | 0.5834% | 3,283 |
| Noninterest expense to average assets | 5.6397% | 238 |
| Loan and lease loss provision to assets | 0.9244% | 857 |
| Net operating income to assets | -2.3920% | 7,327 |
| Return on assets (ROA) | -2.3920% | 7,325 |
| Pretax return on assets | -2.3959% | 7,307 |
| Return on Equity (ROE) | -45.9484% | 7,395 |
| Retained earnings to average equity (ytd only) | -45.9484% | 7,381 |
| Net charge-offs to loans | 0.9439% | 1,417 |
| Credit loss provision to net charge-offs | 131.5498% | 2,107 |
| Earnings coverage of net charge-offs (x) | -2.0941% | 4,963 |
| Efficiency ratio | 132.3795% | 248 |
| Assets per employee ($millions) | 4.1064% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1680% | 2,032 |
| Loan loss allowance to noncurrent loans | 17.9821% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 10.1331% | 406 |
| Noncurrent loans to loans | 12.0565% | 274 |
| Net loans and leases to total assets | 71.7247% | 1,780 |
| Net loans and leases to deposits | 83.0674% | 2,179 |
| Net loans and leases to core deposits | 91.1995% | 2,213 |
| Total domestic deposits to total assets | 86.3451% | 3,313 |
| Equity capital to assets | 4.9826% | 7,378 |
| Core capital (leverage) ratio | 4.9576% | 7,368 |
| Tier 1 risk-based capital ratio | 7.9537% | 7,297 |
| Total risk-based capital ratio | 9.1948% | 7,303 |
| Memoranda: | ||
| Average total assets | $308,529,000 | 2,107 |
| Average earning assets | $280,793,500 | 2,107 |
| Average equity | $16,061,500 | 3,716 |
| Average total loans | $229,691,500 | 1,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 2,222 |
| Cost of funding earning assets | 1.0140% | 5,620 |
| Net interest margin | 4.5003% | 1,223 |
| Noninterest income to average assets | 1.1258% | 1,167 |
| Noninterest expense to average assets | 5.7640% | 258 |
| Loan and lease loss provision to assets | 2.4653% | 457 |
| Net operating income to assets | -4.1054% | 7,446 |
| Return on assets (ROA) | -3.8917% | 7,436 |
| Pretax return on assets | -2.8052% | 7,248 |
| Return on Equity (ROE) | -53.2624% | 7,438 |
| Retained earnings to average equity (ytd only) | -53.2624% | 7,435 |
| Net charge-offs to loans | 2.4206% | 780 |
| Credit loss provision to net charge-offs | 135.7362% | 2,849 |
| Earnings coverage of net charge-offs (x) | -0.3048% | 6,362 |
| Efficiency ratio | 108.8399% | 561 |
| Assets per employee ($millions) | 2.2694% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 2,372 |
| Loan loss allowance to noncurrent loans | 17.5989% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 10.0450% | 406 |
| Noncurrent loans to loans | 11.2131% | 342 |
| Net loans and leases to total assets | 74.0560% | 1,651 |
| Net loans and leases to deposits | 86.6630% | 1,984 |
| Net loans and leases to core deposits | 95.8634% | 2,031 |
| Total domestic deposits to total assets | 85.4529% | 3,629 |
| Equity capital to assets | 5.4224% | 7,406 |
| Core capital (leverage) ratio | 5.4046% | 7,371 |
| Tier 1 risk-based capital ratio | 8.0706% | 7,343 |
| Total risk-based capital ratio | 9.3325% | 7,349 |
| Memoranda: | ||
| Average total assets | $340,649,000 | 1,917 |
| Average earning assets | $309,177,000 | 1,923 |
| Average equity | $24,890,000 | 2,569 |
| Average total loans | $255,598,400 | 1,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 2,122 |
| Cost of funding earning assets | 1.0193% | 5,849 |
| Net interest margin | 4.5658% | 1,116 |
| Noninterest income to average assets | 0.9853% | 1,504 |
| Noninterest expense to average assets | 5.0552% | 365 |
| Loan and lease loss provision to assets | 2.9086% | 313 |
| Net operating income to assets | -4.2529% | 7,590 |
| Return on assets (ROA) | -3.9740% | 7,584 |
| Pretax return on assets | -2.5560% | 7,336 |
| Return on Equity (ROE) | -51.4025% | 7,568 |
| Retained earnings to average equity (ytd only) | -51.4025% | 7,566 |
| Net charge-offs to loans | 2.6072% | 635 |
| Credit loss provision to net charge-offs | 148.9098% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.0377% | 5,994 |
| Efficiency ratio | 96.7385% | 879 |
| Assets per employee ($millions) | 2.4342% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,309 |
| Loan loss allowance to noncurrent loans | 16.6948% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 10.4966% | 366 |
| Noncurrent loans to loans | 11.7655% | 304 |
| Net loans and leases to total assets | 74.5979% | 1,666 |
| Net loans and leases to deposits | 87.2960% | 2,110 |
| Net loans and leases to core deposits | 96.6042% | 2,190 |
| Total domestic deposits to total assets | 85.4539% | 3,376 |
| Equity capital to assets | 6.0078% | 7,488 |
| Core capital (leverage) ratio | 5.9939% | 7,436 |
| Tier 1 risk-based capital ratio | 8.9056% | 7,380 |
| Total risk-based capital ratio | 10.1674% | 7,395 |
| Memoranda: | ||
| Average total assets | $347,515,750 | 1,908 |
| Average earning assets | $315,382,250 | 1,911 |
| Average equity | $26,867,000 | 2,428 |
| Average total loans | $260,348,250 | 1,725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 2,785 |
| Cost of funding earning assets | 1.0173% | 6,061 |
| Net interest margin | 4.4256% | 1,375 |
| Noninterest income to average assets | 0.2193% | 6,343 |
| Noninterest expense to average assets | 3.9416% | 1,114 |
| Loan and lease loss provision to assets | 2.0600% | 600 |
| Net operating income to assets | -1.7298% | 7,235 |
| Return on assets (ROA) | -1.7059% | 7,229 |
| Pretax return on assets | -1.7428% | 7,159 |
| Return on Equity (ROE) | -20.6282% | 7,286 |
| Retained earnings to average equity (ytd only) | -20.6282% | 7,267 |
| Net charge-offs to loans | 2.3841% | 730 |
| Credit loss provision to net charge-offs | 115.9069% | 3,504 |
| Earnings coverage of net charge-offs (x) | 0.1648% | 5,558 |
| Efficiency ratio | 91.8785% | 1,195 |
| Assets per employee ($millions) | 3.1401% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,961 |
| Loan loss allowance to noncurrent loans | 15.8111% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 7.1920% | 724 |
| Noncurrent loans to loans | 6.9283% | 828 |
| Net loans and leases to total assets | 79.4587% | 884 |
| Net loans and leases to deposits | 98.8917% | 808 |
| Net loans and leases to core deposits | 107.8433% | 1,309 |
| Total domestic deposits to total assets | 80.3492% | 5,614 |
| Equity capital to assets | 8.1828% | 6,563 |
| Core capital (leverage) ratio | 7.4787% | 6,843 |
| Tier 1 risk-based capital ratio | 10.4299% | 6,736 |
| Total risk-based capital ratio | 11.6666% | 6,734 |
| Memoranda: | ||
| Average total assets | $353,004,000 | 1,892 |
| Average earning assets | $320,270,670 | 1,894 |
| Average equity | $29,193,000 | 2,248 |
| Average total loans | $263,162,670 | 1,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 3,975 |
| Cost of funding earning assets | 1.0561% | 6,107 |
| Net interest margin | 4.1517% | 2,225 |
| Noninterest income to average assets | 0.2456% | 6,190 |
| Noninterest expense to average assets | 3.5562% | 1,827 |
| Loan and lease loss provision to assets | 0.4160% | 2,879 |
| Net operating income to assets | 0.0432% | 6,182 |
| Return on assets (ROA) | 0.0432% | 6,293 |
| Pretax return on assets | 0.0575% | 6,236 |
| Return on Equity (ROE) | 0.5193% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.5193% | 5,619 |
| Net charge-offs to loans | -0.2849% | 7,732 |
| Credit loss provision to net charge-offs | -203.2432% | 6,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8479% | 1,703 |
| Assets per employee ($millions) | 3.5060% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,811 |
| Loan loss allowance to noncurrent loans | 16.3313% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 6.0775% | 977 |
| Noncurrent loans to loans | 6.9960% | 849 |
| Net loans and leases to total assets | 73.7675% | 2,021 |
| Net loans and leases to deposits | 90.8486% | 1,777 |
| Net loans and leases to core deposits | 99.5044% | 2,182 |
| Total domestic deposits to total assets | 81.1982% | 5,381 |
| Equity capital to assets | 8.5609% | 5,927 |
| Core capital (leverage) ratio | 7.9560% | 6,303 |
| Tier 1 risk-based capital ratio | 11.5781% | 5,599 |
| Total risk-based capital ratio | 12.8270% | 5,575 |
| Memoranda: | ||
| Average total assets | $361,508,000 | 1,894 |
| Average earning assets | $329,503,000 | 1,900 |
| Average equity | $30,042,500 | 2,216 |
| Average total loans | $259,776,500 | 1,803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 4,044 |
| Cost of funding earning assets | 1.7968% | 4,008 |
| Net interest margin | 3.7219% | 4,033 |
| Noninterest income to average assets | -0.3275% | 7,902 |
| Noninterest expense to average assets | 3.2658% | 3,138 |
| Loan and lease loss provision to assets | 1.9235% | 1,147 |
| Net operating income to assets | -1.2824% | 6,755 |
| Return on assets (ROA) | -1.2114% | 6,713 |
| Pretax return on assets | -1.9962% | 6,941 |
| Return on Equity (ROE) | -13.5116% | 6,856 |
| Retained earnings to average equity (ytd only) | -14.2138% | 6,831 |
| Net charge-offs to loans | 2.5118% | 919 |
| Credit loss provision to net charge-offs | 106.5789% | 5,200 |
| Earnings coverage of net charge-offs (x) | -0.1017% | 6,336 |
| Efficiency ratio | 104.6407% | 939 |
| Assets per employee ($millions) | 4.1921% | 3,454 |
| Cash dividends to net income (ytd only)* | -5.1972% | 7,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,269 |
| Loan loss allowance to noncurrent loans | 17.8156% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 4.6809% | 1,360 |
| Noncurrent loans to loans | 5.7270% | 1,114 |
| Net loans and leases to total assets | 68.5028% | 3,590 |
| Net loans and leases to deposits | 83.2617% | 3,409 |
| Net loans and leases to core deposits | 113.0936% | 2,590 |
| Total domestic deposits to total assets | 82.2741% | 4,828 |
| Equity capital to assets | 8.0698% | 6,502 |
| Core capital (leverage) ratio | 7.4878% | 6,798 |
| Tier 1 risk-based capital ratio | 11.5770% | 5,319 |
| Total risk-based capital ratio | 12.6757% | 5,440 |
| Memoranda: | ||
| Average total assets | $362,145,600 | 1,877 |
| Average earning assets | $331,762,600 | 1,871 |
| Average equity | $32,468,400 | 2,062 |
| Average total loans | $260,213,800 | 1,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6137% | 3,784 |
| Cost of funding earning assets | 1.9254% | 3,742 |
| Net interest margin | 3.6883% | 4,120 |
| Noninterest income to average assets | -0.4036% | 8,032 |
| Noninterest expense to average assets | 3.4112% | 2,544 |
| Loan and lease loss provision to assets | 0.6813% | 2,696 |
| Net operating income to assets | -0.6767% | 6,584 |
| Return on assets (ROA) | -0.6758% | 6,593 |
| Pretax return on assets | -1.1119% | 6,767 |
| Return on Equity (ROE) | -7.3498% | 6,689 |
| Retained earnings to average equity (ytd only) | -8.2670% | 6,629 |
| Net charge-offs to loans | 0.1362% | 5,337 |
| Credit loss provision to net charge-offs | 689.8876% | 542 |
| Earnings coverage of net charge-offs (x) | -4.3745% | 6,839 |
| Efficiency ratio | 113.2729% | 710 |
| Assets per employee ($millions) | 4.7163% | 2,529 |
| Cash dividends to net income (ytd only)* | -12.4794% | 7,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,376 |
| Loan loss allowance to noncurrent loans | 42.3023% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 3.5252% | 1,880 |
| Noncurrent loans to loans | 3.5726% | 2,092 |
| Net loans and leases to total assets | 66.8886% | 4,215 |
| Net loans and leases to deposits | 81.5986% | 4,097 |
| Net loans and leases to core deposits | 116.6817% | 2,554 |
| Total domestic deposits to total assets | 81.9728% | 4,690 |
| Equity capital to assets | 8.5376% | 6,206 |
| Core capital (leverage) ratio | 8.4537% | 5,572 |
| Tier 1 risk-based capital ratio | 13.3114% | 3,984 |
| Total risk-based capital ratio | 14.5614% | 3,924 |
| Memoranda: | ||
| Average total assets | $360,455,500 | 1,900 |
| Average earning assets | $330,589,750 | 1,897 |
| Average equity | $33,143,000 | 2,048 |
| Average total loans | $261,438,250 | 1,843 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 3,643 |
| Cost of funding earning assets | 2.0633% | 3,456 |
| Net interest margin | 3.6202% | 4,280 |
| Noninterest income to average assets | -0.6109% | 8,133 |
| Noninterest expense to average assets | 3.3159% | 2,893 |
| Loan and lease loss provision to assets | 0.6958% | 2,344 |
| Net operating income to assets | -1.3078% | 7,168 |
| Return on assets (ROA) | -1.3078% | 7,173 |
| Pretax return on assets | -1.3078% | 6,993 |
| Return on Equity (ROE) | -13.8660% | 7,276 |
| Retained earnings to average equity (ytd only) | -15.2346% | 7,253 |
| Net charge-offs to loans | 0.1969% | 4,301 |
| Credit loss provision to net charge-offs | 476.3566% | 975 |
| Earnings coverage of net charge-offs (x) | -4.1899% | 6,441 |
| Efficiency ratio | 121.1474% | 647 |
| Assets per employee ($millions) | 4.3987% | 2,937 |
| Cash dividends to net income (ytd only)* | -9.8701% | 7,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,474 |
| Loan loss allowance to noncurrent loans | 82.9250% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 2,809 |
| Noncurrent loans to loans | 1.5299% | 4,204 |
| Net loans and leases to total assets | 68.2379% | 4,120 |
| Net loans and leases to deposits | 83.3048% | 3,995 |
| Net loans and leases to core deposits | 118.6849% | 2,484 |
| Total domestic deposits to total assets | 81.9135% | 4,723 |
| Equity capital to assets | 8.4050% | 6,185 |
| Core capital (leverage) ratio | 8.4018% | 5,615 |
| Tier 1 risk-based capital ratio | 12.9547% | 4,180 |
| Total risk-based capital ratio | 14.2048% | 4,096 |
| Memoranda: | ||
| Average total assets | $353,268,330 | 1,956 |
| Average earning assets | $323,463,000 | 1,961 |
| Average equity | $33,319,000 | 2,043 |
| Average total loans | $262,102,000 | 1,874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 2,744 |
| Cost of funding earning assets | 2.1731% | 3,308 |
| Net interest margin | 3.7376% | 3,728 |
| Noninterest income to average assets | 0.0575% | 7,791 |
| Noninterest expense to average assets | 3.2117% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2559% | 5,463 |
| Return on assets (ROA) | 0.2559% | 5,624 |
| Pretax return on assets | 0.2559% | 5,802 |
| Return on Equity (ROE) | 2.5586% | 5,546 |
| Retained earnings to average equity (ytd only) | -0.1174% | 5,672 |
| Net charge-offs to loans | 0.1128% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.9459% | 3,324 |
| Efficiency ratio | 91.4353% | 1,619 |
| Assets per employee ($millions) | 4.2559% | 3,156 |
| Cash dividends to net income (ytd only)* | 104.5872% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,958 |
| Loan loss allowance to noncurrent loans | 57.5601% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.4033% | 2,384 |
| Noncurrent loans to loans | 1.7859% | 3,579 |
| Net loans and leases to total assets | 71.3256% | 3,397 |
| Net loans and leases to deposits | 88.4410% | 3,209 |
| Net loans and leases to core deposits | 125.8875% | 1,921 |
| Total domestic deposits to total assets | 80.6477% | 5,114 |
| Equity capital to assets | 9.4337% | 4,766 |
| Core capital (leverage) ratio | 9.4718% | 4,017 |
| Tier 1 risk-based capital ratio | 13.9766% | 3,602 |
| Total risk-based capital ratio | 15.0693% | 3,608 |
| Memoranda: | ||
| Average total assets | $340,759,000 | 2,039 |
| Average earning assets | $310,898,500 | 2,058 |
| Average equity | $34,081,000 | 2,000 |
| Average total loans | $262,427,000 | 1,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8453% | 1,543 |
| Cost of funding earning assets | 2.3752% | 4,831 |
| Net interest margin | 4.4700% | 1,492 |
| Noninterest income to average assets | 0.2146% | 6,896 |
| Noninterest expense to average assets | 3.3635% | 2,783 |
| Loan and lease loss provision to assets | 0.4998% | 2,814 |
| Net operating income to assets | 0.7045% | 3,875 |
| Return on assets (ROA) | 0.7045% | 3,709 |
| Pretax return on assets | 0.4436% | 5,145 |
| Return on Equity (ROE) | 8.2210% | 2,967 |
| Retained earnings to average equity (ytd only) | 4.5354% | 2,298 |
| Net charge-offs to loans | 0.0683% | 5,794 |
| Credit loss provision to net charge-offs | 879.2135% | 502 |
| Earnings coverage of net charge-offs (x) | 16.5955% | 1,834 |
| Efficiency ratio | 77.1837% | 3,053 |
| Assets per employee ($millions) | 4.1528% | 3,204 |
| Cash dividends to net income (ytd only)* | 44.8323% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,506 |
| Loan loss allowance to noncurrent loans | 139.8709% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.9020% | 2,581 |
| Noncurrent loans to loans | 0.7624% | 5,129 |
| Net loans and leases to total assets | 81.7271% | 1,280 |
| Net loans and leases to deposits | 104.4668% | 1,295 |
| Net loans and leases to core deposits | 145.3400% | 1,034 |
| Total domestic deposits to total assets | 78.2326% | 5,634 |
| Equity capital to assets | 10.6438% | 3,351 |
| Core capital (leverage) ratio | 10.7120% | 2,809 |
| Tier 1 risk-based capital ratio | 14.1679% | 3,470 |
| Total risk-based capital ratio | 15.3322% | 3,426 |
| Memoranda: | ||
| Average total assets | $313,128,400 | 2,136 |
| Average earning assets | $286,664,600 | 2,121 |
| Average equity | $26,833,600 | 2,491 |
| Average total loans | $260,770,200 | 1,828 |