Home > Gilmore Bank > Performance and Condition Ratios
Gilmore Bank, Performance and Condition Ratios
| 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 | 4.9855% | 932 |
| Cost of funding earning assets | 0.1811% | 6,568 |
| Net interest margin | 4.8045% | 430 |
| Noninterest income to average assets | 0.7658% | 2,348 |
| Noninterest expense to average assets | 4.6550% | 469 |
| Loan and lease loss provision to assets | 0.2341% | 1,591 |
| Net operating income to assets | 0.2784% | 5,673 |
| Return on assets (ROA) | 0.3602% | 5,540 |
| Pretax return on assets | 0.3602% | 5,730 |
| Return on Equity (ROE) | 3.3889% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.3889% | 4,162 |
| Net charge-offs to loans | -0.1989% | 6,663 |
| Credit loss provision to net charge-offs | -162.2047% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0836% | 1,051 |
| Assets per employee ($millions) | 4.8886% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 2,069 |
| Loan loss allowance to noncurrent loans | 61.9533% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 5.0888% | 600 |
| Noncurrent loans to loans | 3.0947% | 1,429 |
| Net loans and leases to total assets | 74.5386% | 1,169 |
| Net loans and leases to deposits | 84.6561% | 1,715 |
| Net loans and leases to core deposits | 85.4703% | 2,387 |
| Total domestic deposits to total assets | 88.0486% | 2,209 |
| Equity capital to assets | 10.6626% | 3,104 |
| Core capital (leverage) ratio | 10.8075% | 2,550 |
| Tier 1 risk-based capital ratio | 15.7911% | 3,320 |
| Total risk-based capital ratio | 17.0579% | 3,262 |
| Memoranda: | ||
| Average total assets | $176,024,000 | 3,359 |
| Average earning assets | $161,266,330 | 3,375 |
| Average equity | $18,708,000 | 3,368 |
| Average total loans | $127,677,670 | 2,923 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,179 |
| Cost of funding earning assets | 0.1818% | 6,664 |
| Net interest margin | 4.6782% | 491 |
| Noninterest income to average assets | 0.5580% | 3,380 |
| Noninterest expense to average assets | 4.8699% | 402 |
| Loan and lease loss provision to assets | 0.4617% | 608 |
| Net operating income to assets | -0.5065% | 6,672 |
| Return on assets (ROA) | -0.4841% | 6,690 |
| Pretax return on assets | -0.4841% | 6,669 |
| Return on Equity (ROE) | -4.5618% | 6,679 |
| Retained earnings to average equity (ytd only) | -4.5618% | 6,331 |
| Net charge-offs to loans | -0.2182% | 6,701 |
| Credit loss provision to net charge-offs | -298.5507% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9289% | 512 |
| Assets per employee ($millions) | 5.3613% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 2,473 |
| Loan loss allowance to noncurrent loans | 59.5064% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 5.0762% | 714 |
| Noncurrent loans to loans | 3.0944% | 1,608 |
| Net loans and leases to total assets | 73.3674% | 1,157 |
| Net loans and leases to deposits | 84.5776% | 1,520 |
| Net loans and leases to core deposits | 85.3759% | 2,171 |
| Total domestic deposits to total assets | 86.7456% | 3,107 |
| Equity capital to assets | 10.5809% | 3,451 |
| Core capital (leverage) ratio | 10.4971% | 2,779 |
| Tier 1 risk-based capital ratio | 14.9960% | 3,836 |
| Total risk-based capital ratio | 16.2565% | 3,788 |
| Memoranda: | ||
| Average total assets | $178,485,000 | 3,362 |
| Average earning assets | $162,798,500 | 3,392 |
| Average equity | $18,940,000 | 3,386 |
| Average total loans | $126,501,500 | 2,956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 1,321 |
| Cost of funding earning assets | 0.2450% | 6,689 |
| Net interest margin | 4.8532% | 496 |
| Noninterest income to average assets | 0.5791% | 3,395 |
| Noninterest expense to average assets | 4.7750% | 447 |
| Loan and lease loss provision to assets | 0.0169% | 5,691 |
| Net operating income to assets | 0.2143% | 5,748 |
| Return on assets (ROA) | 0.5171% | 4,883 |
| Pretax return on assets | 0.5233% | 5,213 |
| Return on Equity (ROE) | 4.8053% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.8053% | 2,845 |
| Net charge-offs to loans | 0.1558% | 4,144 |
| Credit loss provision to net charge-offs | 16.7598% | 5,316 |
| Earnings coverage of net charge-offs (x) | 2.3240% | 4,252 |
| Efficiency ratio | 95.3222% | 733 |
| Assets per employee ($millions) | 4.8662% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 2,628 |
| Loan loss allowance to noncurrent loans | 44.0906% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 5.4580% | 680 |
| Noncurrent loans to loans | 4.0566% | 1,151 |
| Net loans and leases to total assets | 65.8741% | 2,545 |
| Net loans and leases to deposits | 74.0254% | 3,083 |
| Net loans and leases to core deposits | 75.0000% | 3,659 |
| Total domestic deposits to total assets | 88.9885% | 1,570 |
| Equity capital to assets | 10.6416% | 3,347 |
| Core capital (leverage) ratio | 10.6476% | 2,599 |
| Tier 1 risk-based capital ratio | 15.8710% | 3,235 |
| Total risk-based capital ratio | 17.1301% | 3,188 |
| Memoranda: | ||
| Average total assets | $177,528,600 | 3,342 |
| Average earning assets | $162,059,000 | 3,346 |
| Average equity | $19,104,000 | 3,318 |
| Average total loans | $114,869,400 | 3,191 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 1,119 |
| Cost of funding earning assets | 0.2572% | 6,784 |
| Net interest margin | 4.9809% | 417 |
| Noninterest income to average assets | 0.5992% | 3,278 |
| Noninterest expense to average assets | 4.7589% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3883% | 5,300 |
| Return on assets (ROA) | 0.5404% | 4,924 |
| Pretax return on assets | 0.5487% | 5,307 |
| Return on Equity (ROE) | 5.0078% | 4,814 |
| Retained earnings to average equity (ytd only) | 5.0078% | 3,357 |
| Net charge-offs to loans | -0.0212% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3640% | 871 |
| Assets per employee ($millions) | 4.9868% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 1,960 |
| Loan loss allowance to noncurrent loans | 47.5199% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 5.6836% | 736 |
| Noncurrent loans to loans | 4.3711% | 1,101 |
| Net loans and leases to total assets | 62.8803% | 3,227 |
| Net loans and leases to deposits | 71.0637% | 3,738 |
| Net loans and leases to core deposits | 72.3711% | 4,205 |
| Total domestic deposits to total assets | 88.4845% | 1,732 |
| Equity capital to assets | 11.1305% | 3,120 |
| Core capital (leverage) ratio | 10.6519% | 2,755 |
| Tier 1 risk-based capital ratio | 16.5447% | 2,971 |
| Total risk-based capital ratio | 17.8072% | 2,936 |
| Memoranda: | ||
| Average total assets | $176,898,750 | 3,395 |
| Average earning assets | $161,707,000 | 3,392 |
| Average equity | $19,090,000 | 3,343 |
| Average total loans | $113,395,500 | 3,251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 624 |
| Cost of funding earning assets | 0.2667% | 6,844 |
| Net interest margin | 5.2953% | 245 |
| Noninterest income to average assets | 0.5932% | 3,294 |
| Noninterest expense to average assets | 4.6138% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7971% | 3,406 |
| Return on assets (ROA) | 0.8296% | 3,510 |
| Pretax return on assets | 0.8622% | 4,222 |
| Return on Equity (ROE) | 7.7670% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.7670% | 1,733 |
| Net charge-offs to loans | -0.1318% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7777% | 1,557 |
| Assets per employee ($millions) | 4.8275% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,784 |
| Loan loss allowance to noncurrent loans | 95.7831% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 3.8782% | 1,338 |
| Noncurrent loans to loans | 2.2889% | 2,626 |
| Net loans and leases to total assets | 61.2227% | 3,585 |
| Net loans and leases to deposits | 69.2801% | 4,001 |
| Net loans and leases to core deposits | 70.6229% | 4,454 |
| Total domestic deposits to total assets | 88.3699% | 1,913 |
| Equity capital to assets | 11.1773% | 2,920 |
| Core capital (leverage) ratio | 10.2638% | 3,082 |
| Tier 1 risk-based capital ratio | 16.7802% | 2,770 |
| Total risk-based capital ratio | 18.0433% | 2,721 |
| Memoranda: | ||
| Average total assets | $177,685,670 | 3,398 |
| Average earning assets | $162,709,000 | 3,374 |
| Average equity | $18,977,670 | 3,358 |
| Average total loans | $113,834,670 | 3,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 2,878 |
| Cost of funding earning assets | 0.2825% | 6,896 |
| Net interest margin | 4.4591% | 1,092 |
| Noninterest income to average assets | 0.4431% | 4,344 |
| Noninterest expense to average assets | 4.4246% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0875% | 6,262 |
| Return on assets (ROA) | 0.1202% | 6,322 |
| Pretax return on assets | 0.1314% | 6,332 |
| Return on Equity (ROE) | 1.1518% | 6,317 |
| Retained earnings to average equity (ytd only) | 1.1518% | 5,626 |
| Net charge-offs to loans | -0.8353% | 7,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8818% | 641 |
| Assets per employee ($millions) | 5.2367% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1910% | 1,900 |
| Loan loss allowance to noncurrent loans | 43.1664% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 5.7882% | 828 |
| Noncurrent loans to loans | 5.0756% | 1,098 |
| Net loans and leases to total assets | 62.1580% | 3,228 |
| Net loans and leases to deposits | 69.6324% | 3,780 |
| Net loans and leases to core deposits | 70.9194% | 4,303 |
| Total domestic deposits to total assets | 89.2660% | 1,505 |
| Equity capital to assets | 10.2239% | 3,821 |
| Core capital (leverage) ratio | 9.9340% | 3,451 |
| Tier 1 risk-based capital ratio | 15.4794% | 3,461 |
| Total risk-based capital ratio | 16.6807% | 3,454 |
| Memoranda: | ||
| Average total assets | $179,633,500 | 3,384 |
| Average earning assets | $164,249,500 | 3,372 |
| Average equity | $18,754,000 | 3,386 |
| Average total loans | $116,360,000 | 3,222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 2,451 |
| Cost of funding earning assets | 0.3954% | 6,896 |
| Net interest margin | 4.7060% | 746 |
| Noninterest income to average assets | 1.6209% | 520 |
| Noninterest expense to average assets | 5.0274% | 374 |
| Loan and lease loss provision to assets | 0.1458% | 4,789 |
| Net operating income to assets | 0.7011% | 3,484 |
| Return on assets (ROA) | 0.7339% | 3,497 |
| Pretax return on assets | 0.7659% | 4,095 |
| Return on Equity (ROE) | 7.0693% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.0693% | 1,470 |
| Net charge-offs to loans | 0.0041% | 6,385 |
| Credit loss provision to net charge-offs | 5,200.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 116 |
| Efficiency ratio | 85.1405% | 1,658 |
| Assets per employee ($millions) | 5.0280% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 2,323 |
| Loan loss allowance to noncurrent loans | 36.8673% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 5.9967% | 815 |
| Noncurrent loans to loans | 5.3879% | 1,002 |
| Net loans and leases to total assets | 64.7411% | 3,035 |
| Net loans and leases to deposits | 72.9875% | 3,670 |
| Net loans and leases to core deposits | 74.2494% | 4,203 |
| Total domestic deposits to total assets | 88.7016% | 1,722 |
| Equity capital to assets | 10.6654% | 3,350 |
| Core capital (leverage) ratio | 10.1416% | 3,179 |
| Tier 1 risk-based capital ratio | 15.4910% | 3,330 |
| Total risk-based capital ratio | 16.7519% | 3,277 |
| Memoranda: | ||
| Average total assets | $178,362,400 | 3,358 |
| Average earning assets | $162,366,200 | 3,361 |
| Average equity | $18,516,600 | 3,358 |
| Average total loans | $121,894,000 | 3,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1227% | 2,505 |
| Cost of funding earning assets | 0.4169% | 6,972 |
| Net interest margin | 4.7058% | 754 |
| Noninterest income to average assets | 1.9267% | 403 |
| Noninterest expense to average assets | 4.8345% | 426 |
| Loan and lease loss provision to assets | 0.1937% | 4,082 |
| Net operating income to assets | 1.1324% | 1,869 |
| Return on assets (ROA) | 1.1488% | 1,934 |
| Pretax return on assets | 1.1965% | 2,648 |
| Return on Equity (ROE) | 11.1412% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.1412% | 606 |
| Net charge-offs to loans | -0.1698% | 7,245 |
| Credit loss provision to net charge-offs | -165.6051% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8805% | 2,562 |
| Assets per employee ($millions) | 5.0201% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 2,067 |
| Loan loss allowance to noncurrent loans | 39.9386% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 6.3823% | 818 |
| Noncurrent loans to loans | 5.2559% | 1,157 |
| Net loans and leases to total assets | 65.5904% | 2,988 |
| Net loans and leases to deposits | 74.2018% | 3,631 |
| Net loans and leases to core deposits | 75.2493% | 4,286 |
| Total domestic deposits to total assets | 88.3947% | 1,812 |
| Equity capital to assets | 10.9872% | 3,161 |
| Core capital (leverage) ratio | 10.3421% | 3,048 |
| Tier 1 risk-based capital ratio | 15.6289% | 3,317 |
| Total risk-based capital ratio | 16.8916% | 3,281 |
| Memoranda: | ||
| Average total assets | $178,957,750 | 3,365 |
| Average earning assets | $162,801,500 | 3,370 |
| Average equity | $18,453,500 | 3,362 |
| Average total loans | $123,307,250 | 3,142 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 2,458 |
| Cost of funding earning assets | 0.4478% | 7,014 |
| Net interest margin | 4.7029% | 719 |
| Noninterest income to average assets | 2.3406% | 295 |
| Noninterest expense to average assets | 4.5223% | 581 |
| Loan and lease loss provision to assets | 0.2888% | 3,077 |
| Net operating income to assets | 1.7439% | 550 |
| Return on assets (ROA) | 1.7685% | 576 |
| Pretax return on assets | 1.8362% | 817 |
| Return on Equity (ROE) | 17.5237% | 509 |
| Retained earnings to average equity (ytd only) | 17.5237% | 148 |
| Net charge-offs to loans | -0.2045% | 7,289 |
| Credit loss provision to net charge-offs | -203.1250% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2939% | 4,464 |
| Assets per employee ($millions) | 5.0731% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,344 |
| Loan loss allowance to noncurrent loans | 119.0732% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 4.1474% | 1,537 |
| Noncurrent loans to loans | 1.6879% | 3,896 |
| Net loans and leases to total assets | 67.0284% | 2,817 |
| Net loans and leases to deposits | 75.6491% | 3,536 |
| Net loans and leases to core deposits | 76.8766% | 4,201 |
| Total domestic deposits to total assets | 88.6044% | 1,781 |
| Equity capital to assets | 10.7728% | 3,204 |
| Core capital (leverage) ratio | 10.1145% | 3,127 |
| Tier 1 risk-based capital ratio | 15.4781% | 3,256 |
| Total risk-based capital ratio | 16.7403% | 3,192 |
| Memoranda: | ||
| Average total assets | $180,042,330 | 3,369 |
| Average earning assets | $163,900,000 | 3,370 |
| Average equity | $18,169,670 | 3,389 |
| Average total loans | $125,171,000 | 3,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 2,610 |
| Cost of funding earning assets | 0.4868% | 7,018 |
| Net interest margin | 4.6206% | 830 |
| Noninterest income to average assets | 2.3543% | 295 |
| Noninterest expense to average assets | 4.3556% | 688 |
| Loan and lease loss provision to assets | 0.3530% | 2,436 |
| Net operating income to assets | 1.7784% | 511 |
| Return on assets (ROA) | 1.7784% | 541 |
| Pretax return on assets | 1.8557% | 734 |
| Return on Equity (ROE) | 18.2245% | 458 |
| Retained earnings to average equity (ytd only) | 18.2245% | 228 |
| Net charge-offs to loans | -0.3527% | 7,365 |
| Credit loss provision to net charge-offs | -142.8571% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3529% | 4,977 |
| Assets per employee ($millions) | 5.1276% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 2,792 |
| Loan loss allowance to noncurrent loans | 111.1855% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 4.0121% | 1,665 |
| Noncurrent loans to loans | 1.6801% | 3,963 |
| Net loans and leases to total assets | 66.1957% | 2,957 |
| Net loans and leases to deposits | 77.9181% | 3,070 |
| Net loans and leases to core deposits | 79.3140% | 3,844 |
| Total domestic deposits to total assets | 84.9555% | 4,048 |
| Equity capital to assets | 9.7816% | 4,055 |
| Core capital (leverage) ratio | 9.5466% | 3,731 |
| Tier 1 risk-based capital ratio | 14.7117% | 3,604 |
| Total risk-based capital ratio | 15.9726% | 3,550 |
| Memoranda: | ||
| Average total assets | $181,284,000 | 3,373 |
| Average earning assets | $165,174,500 | 3,373 |
| Average equity | $17,690,500 | 3,451 |
| Average total loans | $127,028,500 | 3,119 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2898% | 3,176 |
| Cost of funding earning assets | 0.8883% | 6,210 |
| Net interest margin | 4.4015% | 1,468 |
| Noninterest income to average assets | 0.6090% | 3,413 |
| Noninterest expense to average assets | 4.3280% | 783 |
| Loan and lease loss provision to assets | 0.2776% | 4,588 |
| Net operating income to assets | 0.1792% | 5,341 |
| Return on assets (ROA) | 0.2205% | 5,363 |
| Pretax return on assets | 0.0622% | 5,776 |
| Return on Equity (ROE) | 2.3786% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.3786% | 4,208 |
| Net charge-offs to loans | 0.5325% | 3,485 |
| Credit loss provision to net charge-offs | 76.5991% | 5,677 |
| Earnings coverage of net charge-offs (x) | 0.8237% | 5,306 |
| Efficiency ratio | 93.5468% | 1,086 |
| Assets per employee ($millions) | 4.9438% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,642 |
| Loan loss allowance to noncurrent loans | 95.8898% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 4.1888% | 1,602 |
| Noncurrent loans to loans | 1.6528% | 4,027 |
| Net loans and leases to total assets | 71.6310% | 2,173 |
| Net loans and leases to deposits | 85.1837% | 2,239 |
| Net loans and leases to core deposits | 86.4423% | 3,261 |
| Total domestic deposits to total assets | 84.0900% | 4,316 |
| Equity capital to assets | 9.7345% | 4,073 |
| Core capital (leverage) ratio | 9.4630% | 3,750 |
| Tier 1 risk-based capital ratio | 13.6653% | 4,085 |
| Total risk-based capital ratio | 14.9175% | 4,058 |
| Memoranda: | ||
| Average total assets | $176,848,200 | 3,423 |
| Average earning assets | $161,423,800 | 3,421 |
| Average equity | $16,396,000 | 3,689 |
| Average total loans | $120,366,400 | 3,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 3,585 |
| Cost of funding earning assets | 0.9904% | 5,979 |
| Net interest margin | 4.2585% | 2,001 |
| Noninterest income to average assets | 0.6026% | 3,422 |
| Noninterest expense to average assets | 4.2295% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2598% | 5,315 |
| Return on assets (ROA) | 0.3149% | 5,282 |
| Pretax return on assets | 0.3149% | 5,464 |
| Return on Equity (ROE) | 3.4397% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.4397% | 4,031 |
| Net charge-offs to loans | -0.3557% | 7,660 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2136% | 990 |
| Assets per employee ($millions) | 4.6929% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 2,179 |
| Loan loss allowance to noncurrent loans | 68.3397% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 5.1591% | 1,232 |
| Noncurrent loans to loans | 2.9506% | 2,702 |
| Net loans and leases to total assets | 72.4536% | 2,146 |
| Net loans and leases to deposits | 88.1799% | 1,986 |
| Net loans and leases to core deposits | 90.0229% | 3,087 |
| Total domestic deposits to total assets | 82.1657% | 4,927 |
| Equity capital to assets | 10.5017% | 3,514 |
| Core capital (leverage) ratio | 9.8957% | 3,361 |
| Tier 1 risk-based capital ratio | 13.8155% | 3,967 |
| Total risk-based capital ratio | 15.0774% | 3,926 |
| Memoranda: | ||
| Average total assets | $176,566,250 | 3,471 |
| Average earning assets | $161,147,750 | 3,477 |
| Average equity | $16,163,750 | 3,778 |
| Average total loans | $118,073,250 | 3,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 4,180 |
| Cost of funding earning assets | 1.1217% | 5,565 |
| Net interest margin | 4.0314% | 2,871 |
| Noninterest income to average assets | 0.6019% | 3,325 |
| Noninterest expense to average assets | 4.3538% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0759% | 6,194 |
| Return on assets (ROA) | -0.1027% | 6,306 |
| Pretax return on assets | -0.1027% | 6,248 |
| Return on Equity (ROE) | -1.1766% | 6,341 |
| Retained earnings to average equity (ytd only) | -1.1766% | 6,009 |
| Net charge-offs to loans | -0.6011% | 7,745 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7750% | 743 |
| Assets per employee ($millions) | 5.0626% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,787 |
| Loan loss allowance to noncurrent loans | 62.3564% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 5.2990% | 1,184 |
| Noncurrent loans to loans | 3.5077% | 2,256 |
| Net loans and leases to total assets | 66.2749% | 3,774 |
| Net loans and leases to deposits | 81.4452% | 3,354 |
| Net loans and leases to core deposits | 84.5817% | 4,057 |
| Total domestic deposits to total assets | 81.3736% | 5,259 |
| Equity capital to assets | 9.8904% | 4,152 |
| Core capital (leverage) ratio | 9.1211% | 4,431 |
| Tier 1 risk-based capital ratio | 14.0418% | 3,697 |
| Total risk-based capital ratio | 15.3055% | 3,654 |
| Memoranda: | ||
| Average total assets | $179,107,000 | 3,452 |
| Average earning assets | $163,318,670 | 3,457 |
| Average equity | $15,637,670 | 3,861 |
| Average total loans | $115,789,330 | 3,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 5,242 |
| Cost of funding earning assets | 1.2500% | 5,112 |
| Net interest margin | 3.6971% | 4,262 |
| Noninterest income to average assets | 0.4359% | 4,595 |
| Noninterest expense to average assets | 4.3440% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5455% | 6,863 |
| Return on assets (ROA) | -0.5980% | 6,929 |
| Pretax return on assets | -0.5980% | 6,845 |
| Return on Equity (ROE) | -7.3070% | 7,015 |
| Retained earnings to average equity (ytd only) | -7.3070% | 6,768 |
| Net charge-offs to loans | -0.0035% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3599% | 524 |
| Assets per employee ($millions) | 5.1528% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,380 |
| Loan loss allowance to noncurrent loans | 57.8023% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 5.0553% | 1,264 |
| Noncurrent loans to loans | 3.3252% | 2,403 |
| Net loans and leases to total assets | 62.3603% | 4,684 |
| Net loans and leases to deposits | 74.2760% | 4,699 |
| Net loans and leases to core deposits | 77.0387% | 5,136 |
| Total domestic deposits to total assets | 83.9576% | 4,165 |
| Equity capital to assets | 9.0537% | 5,201 |
| Core capital (leverage) ratio | 8.8081% | 4,846 |
| Tier 1 risk-based capital ratio | 14.0585% | 3,621 |
| Total risk-based capital ratio | 15.3187% | 3,573 |
| Memoranda: | ||
| Average total assets | $182,597,000 | 3,463 |
| Average earning assets | $166,074,500 | 3,464 |
| Average equity | $14,944,500 | 4,030 |
| Average total loans | $115,370,000 | 3,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 4,658 |
| Cost of funding earning assets | 1.6211% | 4,926 |
| Net interest margin | 3.7883% | 3,758 |
| Noninterest income to average assets | 0.7724% | 2,548 |
| Noninterest expense to average assets | 4.9775% | 526 |
| Loan and lease loss provision to assets | 1.8609% | 1,206 |
| Net operating income to assets | -2.6328% | 7,304 |
| Return on assets (ROA) | -3.0885% | 7,426 |
| Pretax return on assets | -3.0885% | 7,320 |
| Return on Equity (ROE) | -35.0180% | 7,490 |
| Retained earnings to average equity (ytd only) | -35.0180% | 7,479 |
| Net charge-offs to loans | 5.0266% | 257 |
| Credit loss provision to net charge-offs | 49.3391% | 6,754 |
| Earnings coverage of net charge-offs (x) | -0.2046% | 6,451 |
| Efficiency ratio | 118.3517% | 633 |
| Assets per employee ($millions) | 4.4011% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,265 |
| Loan loss allowance to noncurrent loans | 43.3065% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 7.1221% | 702 |
| Noncurrent loans to loans | 4.3827% | 1,636 |
| Net loans and leases to total assets | 61.6012% | 5,081 |
| Net loans and leases to deposits | 70.9812% | 5,472 |
| Net loans and leases to core deposits | 87.5584% | 5,376 |
| Total domestic deposits to total assets | 86.7853% | 2,616 |
| Equity capital to assets | 7.3363% | 7,171 |
| Core capital (leverage) ratio | 7.3986% | 6,888 |
| Tier 1 risk-based capital ratio | 11.1607% | 5,765 |
| Total risk-based capital ratio | 12.4195% | 5,712 |
| Memoranda: | ||
| Average total assets | $170,505,800 | 3,604 |
| Average earning assets | $154,527,600 | 3,626 |
| Average equity | $15,038,000 | 4,050 |
| Average total loans | $127,938,400 | 3,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 3,898 |
| Cost of funding earning assets | 1.6790% | 5,010 |
| Net interest margin | 3.9153% | 3,178 |
| Noninterest income to average assets | 0.8020% | 2,423 |
| Noninterest expense to average assets | 4.8078% | 560 |
| Loan and lease loss provision to assets | 2.6567% | 605 |
| Net operating income to assets | -3.1104% | 7,616 |
| Return on assets (ROA) | -3.0289% | 7,602 |
| Pretax return on assets | -3.0289% | 7,512 |
| Return on Equity (ROE) | -32.8149% | 7,659 |
| Retained earnings to average equity (ytd only) | -32.8149% | 7,650 |
| Net charge-offs to loans | 5.2851% | 191 |
| Credit loss provision to net charge-offs | 64.0971% | 6,104 |
| Earnings coverage of net charge-offs (x) | -0.1095% | 6,197 |
| Efficiency ratio | 110.4201% | 762 |
| Assets per employee ($millions) | 4.0392% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 696 |
| Loan loss allowance to noncurrent loans | 57.7992% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 6.9821% | 693 |
| Noncurrent loans to loans | 5.0922% | 1,277 |
| Net loans and leases to total assets | 69.9382% | 3,530 |
| Net loans and leases to deposits | 82.2095% | 3,983 |
| Net loans and leases to core deposits | 100.5628% | 4,314 |
| Total domestic deposits to total assets | 85.0731% | 3,194 |
| Equity capital to assets | 8.4829% | 6,269 |
| Core capital (leverage) ratio | 8.4792% | 5,533 |
| Tier 1 risk-based capital ratio | 12.1563% | 4,833 |
| Total risk-based capital ratio | 13.4299% | 4,758 |
| Memoranda: | ||
| Average total assets | $166,920,500 | 3,681 |
| Average earning assets | $151,438,250 | 3,698 |
| Average equity | $15,407,250 | 4,024 |
| Average total loans | $130,905,250 | 3,286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7694% | 3,196 |
| Cost of funding earning assets | 1.7310% | 5,118 |
| Net interest margin | 4.0385% | 2,544 |
| Noninterest income to average assets | 0.6228% | 3,517 |
| Noninterest expense to average assets | 4.9719% | 521 |
| Loan and lease loss provision to assets | 2.1468% | 746 |
| Net operating income to assets | -2.8588% | 7,645 |
| Return on assets (ROA) | -2.8588% | 7,641 |
| Pretax return on assets | -2.8588% | 7,528 |
| Return on Equity (ROE) | -30.1410% | 7,707 |
| Retained earnings to average equity (ytd only) | -30.1410% | 7,684 |
| Net charge-offs to loans | 1.9448% | 956 |
| Credit loss provision to net charge-offs | 136.9716% | 3,411 |
| Earnings coverage of net charge-offs (x) | -0.4543% | 6,050 |
| Efficiency ratio | 116.7138% | 725 |
| Assets per employee ($millions) | 3.9009% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5608% | 165 |
| Loan loss allowance to noncurrent loans | 51.6157% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 10.5721% | 250 |
| Noncurrent loans to loans | 8.8361% | 455 |
| Net loans and leases to total assets | 75.8931% | 2,208 |
| Net loans and leases to deposits | 92.8313% | 2,310 |
| Net loans and leases to core deposits | 108.3657% | 3,568 |
| Total domestic deposits to total assets | 81.7538% | 4,795 |
| Equity capital to assets | 9.7750% | 4,251 |
| Core capital (leverage) ratio | 9.6578% | 3,690 |
| Tier 1 risk-based capital ratio | 12.5816% | 4,455 |
| Total risk-based capital ratio | 13.8755% | 4,340 |
| Memoranda: | ||
| Average total assets | $166,011,670 | 3,706 |
| Average earning assets | $149,512,330 | 3,757 |
| Average equity | $15,746,000 | 3,970 |
| Average total loans | $133,791,670 | 3,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 3,609 |
| Cost of funding earning assets | 1.7741% | 5,245 |
| Net interest margin | 3.9616% | 2,809 |
| Noninterest income to average assets | 0.4859% | 4,453 |
| Noninterest expense to average assets | 4.4812% | 723 |
| Loan and lease loss provision to assets | 0.2585% | 3,897 |
| Net operating income to assets | -0.6511% | 7,010 |
| Return on assets (ROA) | -0.6511% | 7,048 |
| Pretax return on assets | -0.6511% | 6,935 |
| Return on Equity (ROE) | -6.9692% | 7,142 |
| Retained earnings to average equity (ytd only) | -6.9692% | 6,790 |
| Net charge-offs to loans | -0.0030% | 7,132 |
| Credit loss provision to net charge-offs | -10,800.0000% | 6,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6019% | 820 |
| Assets per employee ($millions) | 4.3107% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1432% | 198 |
| Loan loss allowance to noncurrent loans | 64.5049% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 8.7749% | 295 |
| Noncurrent loans to loans | 6.4231% | 699 |
| Net loans and leases to total assets | 76.6536% | 2,126 |
| Net loans and leases to deposits | 100.1967% | 1,388 |
| Net loans and leases to core deposits | 115.6027% | 2,839 |
| Total domestic deposits to total assets | 76.5031% | 6,404 |
| Equity capital to assets | 9.2282% | 5,047 |
| Core capital (leverage) ratio | 8.8009% | 4,985 |
| Tier 1 risk-based capital ratio | 11.3481% | 5,550 |
| Total risk-based capital ratio | 12.6370% | 5,416 |
| Memoranda: | ||
| Average total assets | $167,099,000 | 3,708 |
| Average earning assets | $151,960,500 | 3,711 |
| Average equity | $15,611,500 | 4,020 |
| Average total loans | $135,546,000 | 3,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3804% | 3,523 |
| Cost of funding earning assets | 2.5206% | 4,090 |
| Net interest margin | 3.8598% | 3,744 |
| Noninterest income to average assets | 0.5194% | 4,468 |
| Noninterest expense to average assets | 4.4168% | 935 |
| Loan and lease loss provision to assets | 3.2766% | 263 |
| Net operating income to assets | -3.5339% | 7,918 |
| Return on assets (ROA) | -3.5339% | 7,901 |
| Pretax return on assets | -3.5333% | 7,812 |
| Return on Equity (ROE) | -31.9114% | 7,988 |
| Retained earnings to average equity (ytd only) | -34.6195% | 7,982 |
| Net charge-offs to loans | 0.8592% | 1,460 |
| Credit loss provision to net charge-offs | 486.4648% | 899 |
| Earnings coverage of net charge-offs (x) | -0.3811% | 6,449 |
| Efficiency ratio | 106.1707% | 807 |
| Assets per employee ($millions) | 4.2585% | 3,022 |
| Cash dividends to net income (ytd only)* | -8.4861% | 7,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9962% | 188 |
| Loan loss allowance to noncurrent loans | 70.3828% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 7.3590% | 334 |
| Noncurrent loans to loans | 5.6778% | 677 |
| Net loans and leases to total assets | 78.9935% | 1,889 |
| Net loans and leases to deposits | 116.2810% | 511 |
| Net loans and leases to core deposits | 133.6151% | 1,620 |
| Total domestic deposits to total assets | 67.9333% | 7,477 |
| Equity capital to assets | 9.4586% | 4,745 |
| Core capital (leverage) ratio | 9.3225% | 4,269 |
| Tier 1 risk-based capital ratio | 11.4606% | 5,276 |
| Total risk-based capital ratio | 12.7491% | 5,131 |
| Memoranda: | ||
| Average total assets | $166,726,400 | 3,602 |
| Average earning assets | $157,262,400 | 3,524 |
| Average equity | $18,463,600 | 3,487 |
| Average total loans | $130,700,600 | 3,258 |