Home > Harbor National Bank > Performance and Condition Ratios
Harbor National Bank, 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 | 4.2145% | 2,940 |
| Cost of funding earning assets | 0.4786% | 2,972 |
| Net interest margin | 3.7359% | 2,867 |
| Noninterest income to average assets | 1.4879% | 570 |
| Noninterest expense to average assets | 3.7371% | 1,067 |
| Loan and lease loss provision to assets | -0.1453% | 6,345 |
| Net operating income to assets | 0.8714% | 3,065 |
| Return on assets (ROA) | 0.9592% | 2,721 |
| Pretax return on assets | 1.5200% | 1,582 |
| Return on Equity (ROE) | 8.9671% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.9671% | 1,017 |
| Net charge-offs to loans | -0.1348% | 6,212 |
| Credit loss provision to net charge-offs | 128.3019% | 1,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1246% | 2,644 |
| Assets per employee ($millions) | 4.5187% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 3,176 |
| Loan loss allowance to noncurrent loans | 133.9456% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 3,175 |
| Noncurrent loans to loans | 1.0456% | 2,981 |
| Net loans and leases to total assets | 85.2154% | 248 |
| Net loans and leases to deposits | 103.9535% | 409 |
| Net loans and leases to core deposits | 113.6516% | 595 |
| Total domestic deposits to total assets | 81.9745% | 4,483 |
| Equity capital to assets | 10.6133% | 3,416 |
| Core capital (leverage) ratio | 10.5319% | 3,012 |
| Tier 1 risk-based capital ratio | 13.3637% | 4,630 |
| Total risk-based capital ratio | 14.6172% | 4,562 |
| Memoranda: | ||
| Average total assets | $311,925,000 | 2,099 |
| Average earning assets | $291,115,500 | 2,077 |
| Average equity | $33,365,500 | 2,093 |
| Average total loans | $262,026,000 | 1,622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 3,138 |
| Cost of funding earning assets | 0.4849% | 2,976 |
| Net interest margin | 3.6674% | 3,082 |
| Noninterest income to average assets | 1.3166% | 692 |
| Noninterest expense to average assets | 3.6715% | 1,185 |
| Loan and lease loss provision to assets | -0.1399% | 6,418 |
| Net operating income to assets | 0.7988% | 3,345 |
| Return on assets (ROA) | 0.7975% | 3,451 |
| Pretax return on assets | 1.2464% | 2,475 |
| Return on Equity (ROE) | 7.4354% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4354% | 1,548 |
| Net charge-offs to loans | -0.1768% | 6,318 |
| Credit loss provision to net charge-offs | 95.1327% | 2,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8100% | 2,483 |
| Assets per employee ($millions) | 4.2412% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 2,986 |
| Loan loss allowance to noncurrent loans | 105.3127% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 2,390 |
| Noncurrent loans to loans | 1.4069% | 2,447 |
| Net loans and leases to total assets | 84.1146% | 291 |
| Net loans and leases to deposits | 102.6066% | 419 |
| Net loans and leases to core deposits | 111.0037% | 649 |
| Total domestic deposits to total assets | 81.9777% | 4,660 |
| Equity capital to assets | 10.5945% | 3,320 |
| Core capital (leverage) ratio | 10.8543% | 2,575 |
| Tier 1 risk-based capital ratio | 13.3367% | 4,699 |
| Total risk-based capital ratio | 14.5913% | 4,634 |
| Memoranda: | ||
| Average total assets | $307,451,670 | 2,124 |
| Average earning assets | $290,345,670 | 2,072 |
| Average equity | $32,977,330 | 2,099 |
| Average total loans | $255,640,670 | 1,657 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 3,030 |
| Cost of funding earning assets | 0.4978% | 2,926 |
| Net interest margin | 3.6627% | 3,012 |
| Noninterest income to average assets | 0.9559% | 1,242 |
| Noninterest expense to average assets | 3.5322% | 1,426 |
| Loan and lease loss provision to assets | -0.2184% | 6,578 |
| Net operating income to assets | 0.7043% | 3,667 |
| Return on assets (ROA) | 0.7043% | 3,746 |
| Pretax return on assets | 1.1002% | 2,893 |
| Return on Equity (ROE) | 6.5244% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.5244% | 2,271 |
| Net charge-offs to loans | -0.3408% | 6,506 |
| Credit loss provision to net charge-offs | 78.1991% | 1,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0240% | 2,205 |
| Assets per employee ($millions) | 4.1899% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,689 |
| Loan loss allowance to noncurrent loans | 111.2360% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 2,598 |
| Noncurrent loans to loans | 1.4411% | 2,627 |
| Net loans and leases to total assets | 81.4582% | 402 |
| Net loans and leases to deposits | 99.8553% | 442 |
| Net loans and leases to core deposits | 107.8664% | 682 |
| Total domestic deposits to total assets | 81.5762% | 5,069 |
| Equity capital to assets | 10.7544% | 2,981 |
| Core capital (leverage) ratio | 10.9651% | 2,420 |
| Tier 1 risk-based capital ratio | 13.4287% | 4,745 |
| Total risk-based capital ratio | 14.6842% | 4,674 |
| Memoranda: | ||
| Average total assets | $302,132,500 | 2,165 |
| Average earning assets | $285,254,000 | 2,108 |
| Average equity | $32,616,000 | 2,115 |
| Average total loans | $247,669,000 | 1,711 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,633 |
| Cost of funding earning assets | 0.5275% | 3,317 |
| Net interest margin | 3.8584% | 2,434 |
| Noninterest income to average assets | 0.9883% | 1,425 |
| Noninterest expense to average assets | 3.4493% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7853% | 3,368 |
| Return on assets (ROA) | 0.7867% | 3,464 |
| Pretax return on assets | 1.2030% | 2,567 |
| Return on Equity (ROE) | 7.0923% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.0923% | 1,404 |
| Net charge-offs to loans | 0.0374% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 39.0920% | 970 |
| Efficiency ratio | 74.1762% | 3,101 |
| Assets per employee ($millions) | 4.1444% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,542 |
| Loan loss allowance to noncurrent loans | 108.2255% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 2,593 |
| Noncurrent loans to loans | 1.5314% | 2,595 |
| Net loans and leases to total assets | 79.7968% | 615 |
| Net loans and leases to deposits | 97.9788% | 591 |
| Net loans and leases to core deposits | 109.1896% | 643 |
| Total domestic deposits to total assets | 81.4430% | 5,055 |
| Equity capital to assets | 10.8372% | 2,778 |
| Core capital (leverage) ratio | 11.1442% | 2,243 |
| Tier 1 risk-based capital ratio | 13.4333% | 4,698 |
| Total risk-based capital ratio | 14.6890% | 4,631 |
| Memoranda: | ||
| Average total assets | $283,213,000 | 2,247 |
| Average earning assets | $268,793,000 | 2,193 |
| Average equity | $31,414,400 | 2,160 |
| Average total loans | $232,499,000 | 1,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 2,581 |
| Cost of funding earning assets | 0.5374% | 3,386 |
| Net interest margin | 3.8673% | 2,391 |
| Noninterest income to average assets | 0.9844% | 1,496 |
| Noninterest expense to average assets | 3.4724% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7854% | 3,421 |
| Return on assets (ROA) | 0.7864% | 3,551 |
| Pretax return on assets | 1.1915% | 2,740 |
| Return on Equity (ROE) | 7.0463% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.0463% | 1,847 |
| Net charge-offs to loans | -0.0516% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4755% | 2,987 |
| Assets per employee ($millions) | 3.8391% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 2,414 |
| Loan loss allowance to noncurrent loans | 99.4539% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 2,407 |
| Noncurrent loans to loans | 1.7729% | 2,537 |
| Net loans and leases to total assets | 83.2773% | 282 |
| Net loans and leases to deposits | 101.8730% | 387 |
| Net loans and leases to core deposits | 112.8149% | 479 |
| Total domestic deposits to total assets | 81.7462% | 5,012 |
| Equity capital to assets | 11.3433% | 2,438 |
| Core capital (leverage) ratio | 10.9172% | 2,559 |
| Tier 1 risk-based capital ratio | 13.6151% | 4,678 |
| Total risk-based capital ratio | 14.8724% | 4,636 |
| Memoranda: | ||
| Average total assets | $279,416,500 | 2,284 |
| Average earning assets | $265,740,000 | 2,218 |
| Average equity | $31,183,500 | 2,196 |
| Average total loans | $230,092,250 | 1,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,462 |
| Cost of funding earning assets | 0.5408% | 3,495 |
| Net interest margin | 3.8882% | 2,249 |
| Noninterest income to average assets | 0.9236% | 1,736 |
| Noninterest expense to average assets | 3.3618% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8283% | 3,156 |
| Return on assets (ROA) | 0.8283% | 3,308 |
| Pretax return on assets | 1.2553% | 2,464 |
| Return on Equity (ROE) | 7.4626% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.4626% | 1,687 |
| Net charge-offs to loans | -0.0369% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8119% | 3,337 |
| Assets per employee ($millions) | 4.1959% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,558 |
| Loan loss allowance to noncurrent loans | 95.2184% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7814% | 2,434 |
| Noncurrent loans to loans | 1.8502% | 2,561 |
| Net loans and leases to total assets | 82.1593% | 349 |
| Net loans and leases to deposits | 100.3825% | 403 |
| Net loans and leases to core deposits | 107.1479% | 679 |
| Total domestic deposits to total assets | 81.8463% | 5,097 |
| Equity capital to assets | 11.1749% | 2,581 |
| Core capital (leverage) ratio | 10.9205% | 2,433 |
| Tier 1 risk-based capital ratio | 13.3010% | 4,917 |
| Total risk-based capital ratio | 14.5580% | 4,853 |
| Memoranda: | ||
| Average total assets | $279,137,330 | 2,295 |
| Average earning assets | $265,159,670 | 2,226 |
| Average equity | $30,981,330 | 2,221 |
| Average total loans | $227,597,330 | 1,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,932 |
| Cost of funding earning assets | 0.5734% | 3,345 |
| Net interest margin | 3.7150% | 2,793 |
| Noninterest income to average assets | 0.7838% | 2,195 |
| Noninterest expense to average assets | 3.1336% | 2,565 |
| Loan and lease loss provision to assets | 0.0719% | 3,430 |
| Net operating income to assets | 0.7377% | 3,490 |
| Return on assets (ROA) | 0.7377% | 3,627 |
| Pretax return on assets | 1.1188% | 2,888 |
| Return on Equity (ROE) | 6.6700% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.6700% | 2,331 |
| Net charge-offs to loans | 0.0768% | 3,072 |
| Credit loss provision to net charge-offs | 116.2791% | 1,631 |
| Earnings coverage of net charge-offs (x) | 19.2558% | 1,228 |
| Efficiency ratio | 72.4643% | 3,526 |
| Assets per employee ($millions) | 4.7982% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 2,516 |
| Loan loss allowance to noncurrent loans | 82.9529% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 2,320 |
| Noncurrent loans to loans | 2.2058% | 2,379 |
| Net loans and leases to total assets | 77.8335% | 631 |
| Net loans and leases to deposits | 93.4017% | 704 |
| Net loans and leases to core deposits | 99.8785% | 956 |
| Total domestic deposits to total assets | 83.3320% | 4,743 |
| Equity capital to assets | 10.9614% | 2,996 |
| Core capital (leverage) ratio | 10.8746% | 2,373 |
| Tier 1 risk-based capital ratio | 13.3035% | 5,010 |
| Total risk-based capital ratio | 14.5609% | 4,959 |
| Memoranda: | ||
| Average total assets | $278,145,000 | 2,324 |
| Average earning assets | $265,087,500 | 2,254 |
| Average equity | $30,764,500 | 2,256 |
| Average total loans | $223,841,000 | 1,838 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 2,791 |
| Cost of funding earning assets | 0.7181% | 3,344 |
| Net interest margin | 3.9323% | 2,684 |
| Noninterest income to average assets | 0.5586% | 3,517 |
| Noninterest expense to average assets | 3.0312% | 3,159 |
| Loan and lease loss provision to assets | 0.4187% | 1,524 |
| Net operating income to assets | 0.5584% | 4,438 |
| Return on assets (ROA) | 0.5616% | 4,678 |
| Pretax return on assets | 0.8533% | 4,090 |
| Return on Equity (ROE) | 4.9917% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.9917% | 2,712 |
| Net charge-offs to loans | 0.5711% | 2,013 |
| Credit loss provision to net charge-offs | 89.4866% | 3,500 |
| Earnings coverage of net charge-offs (x) | 2.7082% | 4,075 |
| Efficiency ratio | 70.5225% | 3,706 |
| Assets per employee ($millions) | 4.8785% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,476 |
| Loan loss allowance to noncurrent loans | 76.1374% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.4470% | 1,999 |
| Noncurrent loans to loans | 2.4123% | 2,211 |
| Net loans and leases to total assets | 80.2109% | 454 |
| Net loans and leases to deposits | 96.6063% | 584 |
| Net loans and leases to core deposits | 107.5874% | 625 |
| Total domestic deposits to total assets | 83.0287% | 4,717 |
| Equity capital to assets | 11.1634% | 2,776 |
| Core capital (leverage) ratio | 10.7917% | 2,450 |
| Tier 1 risk-based capital ratio | 13.3838% | 4,827 |
| Total risk-based capital ratio | 14.6418% | 4,781 |
| Memoranda: | ||
| Average total assets | $262,269,600 | 2,412 |
| Average earning assets | $249,422,800 | 2,334 |
| Average equity | $29,508,800 | 2,279 |
| Average total loans | $214,847,600 | 1,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 2,948 |
| Cost of funding earning assets | 0.7383% | 3,451 |
| Net interest margin | 3.9253% | 2,822 |
| Noninterest income to average assets | 0.3889% | 4,723 |
| Noninterest expense to average assets | 3.0428% | 3,083 |
| Loan and lease loss provision to assets | 0.5641% | 1,017 |
| Net operating income to assets | 0.3379% | 5,485 |
| Return on assets (ROA) | 0.3427% | 5,666 |
| Pretax return on assets | 0.5204% | 5,405 |
| Return on Equity (ROE) | 3.0392% | 5,664 |
| Retained earnings to average equity (ytd only) | 3.0392% | 4,726 |
| Net charge-offs to loans | 0.6154% | 1,791 |
| Credit loss provision to net charge-offs | 111.8126% | 2,618 |
| Earnings coverage of net charge-offs (x) | 2.1354% | 4,197 |
| Efficiency ratio | 73.8529% | 3,011 |
| Assets per employee ($millions) | 4.9389% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,402 |
| Loan loss allowance to noncurrent loans | 67.4794% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 3.0415% | 1,713 |
| Noncurrent loans to loans | 2.8530% | 1,974 |
| Net loans and leases to total assets | 81.4837% | 386 |
| Net loans and leases to deposits | 98.5578% | 515 |
| Net loans and leases to core deposits | 112.1604% | 492 |
| Total domestic deposits to total assets | 82.6761% | 4,764 |
| Equity capital to assets | 10.9641% | 3,312 |
| Core capital (leverage) ratio | 10.9029% | 2,485 |
| Tier 1 risk-based capital ratio | 13.0157% | 5,232 |
| Total risk-based capital ratio | 14.2747% | 5,187 |
| Memoranda: | ||
| Average total assets | $259,538,000 | 2,464 |
| Average earning assets | $246,699,000 | 2,380 |
| Average equity | $29,261,500 | 2,318 |
| Average total loans | $212,751,250 | 1,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,801 |
| Cost of funding earning assets | 0.7719% | 3,430 |
| Net interest margin | 3.9584% | 2,686 |
| Noninterest income to average assets | 0.2669% | 5,667 |
| Noninterest expense to average assets | 2.9495% | 3,443 |
| Loan and lease loss provision to assets | 0.5072% | 1,239 |
| Net operating income to assets | 0.3734% | 5,333 |
| Return on assets (ROA) | 0.3734% | 5,557 |
| Pretax return on assets | 0.5675% | 5,254 |
| Return on Equity (ROE) | 3.2797% | 5,571 |
| Retained earnings to average equity (ytd only) | 3.2797% | 4,425 |
| Net charge-offs to loans | 0.7033% | 1,577 |
| Credit loss provision to net charge-offs | 88.4038% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.8731% | 4,039 |
| Efficiency ratio | 73.2931% | 3,192 |
| Assets per employee ($millions) | 5.7281% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 2,359 |
| Loan loss allowance to noncurrent loans | 63.0458% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 3.3026% | 1,639 |
| Noncurrent loans to loans | 3.1006% | 1,898 |
| Net loans and leases to total assets | 80.6355% | 438 |
| Net loans and leases to deposits | 98.3193% | 509 |
| Net loans and leases to core deposits | 112.4456% | 497 |
| Total domestic deposits to total assets | 82.0138% | 5,125 |
| Equity capital to assets | 11.4294% | 2,660 |
| Core capital (leverage) ratio | 11.1912% | 2,132 |
| Tier 1 risk-based capital ratio | 13.4308% | 4,883 |
| Total risk-based capital ratio | 14.6894% | 4,832 |
| Memoranda: | ||
| Average total assets | $255,503,330 | 2,495 |
| Average earning assets | $242,521,670 | 2,420 |
| Average equity | $29,087,670 | 2,317 |
| Average total loans | $208,438,670 | 1,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 2,627 |
| Cost of funding earning assets | 0.8233% | 3,290 |
| Net interest margin | 3.9790% | 2,596 |
| Noninterest income to average assets | 0.1620% | 6,416 |
| Noninterest expense to average assets | 2.7692% | 4,164 |
| Loan and lease loss provision to assets | 0.4953% | 1,227 |
| Net operating income to assets | 0.4403% | 5,079 |
| Return on assets (ROA) | 0.4403% | 5,271 |
| Pretax return on assets | 0.6667% | 4,893 |
| Return on Equity (ROE) | 3.8753% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.8753% | 4,266 |
| Net charge-offs to loans | 1.1826% | 867 |
| Credit loss provision to net charge-offs | 51.5548% | 3,252 |
| Earnings coverage of net charge-offs (x) | 1.2095% | 3,733 |
| Efficiency ratio | 70.4400% | 3,732 |
| Assets per employee ($millions) | 6.2155% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 2,631 |
| Loan loss allowance to noncurrent loans | 75.4315% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 3.0883% | 1,889 |
| Noncurrent loans to loans | 2.5398% | 2,563 |
| Net loans and leases to total assets | 79.0161% | 485 |
| Net loans and leases to deposits | 95.0928% | 591 |
| Net loans and leases to core deposits | 107.0324% | 640 |
| Total domestic deposits to total assets | 83.0937% | 4,889 |
| Equity capital to assets | 11.4070% | 2,520 |
| Core capital (leverage) ratio | 11.2201% | 2,096 |
| Tier 1 risk-based capital ratio | 13.4485% | 4,861 |
| Total risk-based capital ratio | 14.7059% | 4,850 |
| Memoranda: | ||
| Average total assets | $254,372,500 | 2,526 |
| Average earning assets | $240,967,500 | 2,442 |
| Average equity | $28,901,000 | 2,327 |
| Average total loans | $206,661,000 | 1,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 2,602 |
| Cost of funding earning assets | 1.0290% | 3,164 |
| Net interest margin | 4.0324% | 2,721 |
| Noninterest income to average assets | 0.2014% | 6,064 |
| Noninterest expense to average assets | 2.7225% | 4,656 |
| Loan and lease loss provision to assets | 0.4536% | 2,330 |
| Net operating income to assets | 0.5539% | 4,214 |
| Return on assets (ROA) | 0.5597% | 4,376 |
| Pretax return on assets | 0.8416% | 3,813 |
| Return on Equity (ROE) | 4.8592% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,742 |
| Net charge-offs to loans | 0.4209% | 3,323 |
| Credit loss provision to net charge-offs | 128.3879% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.6414% | 3,442 |
| Efficiency ratio | 67.9090% | 4,380 |
| Assets per employee ($millions) | 6.8625% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 2,173 |
| Loan loss allowance to noncurrent loans | 77.4259% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 3.2984% | 1,806 |
| Noncurrent loans to loans | 2.6256% | 2,482 |
| Net loans and leases to total assets | 80.2643% | 465 |
| Net loans and leases to deposits | 96.6825% | 642 |
| Net loans and leases to core deposits | 111.8465% | 569 |
| Total domestic deposits to total assets | 83.0185% | 4,742 |
| Equity capital to assets | 11.3162% | 2,670 |
| Core capital (leverage) ratio | 11.3353% | 2,017 |
| Tier 1 risk-based capital ratio | 13.1019% | 4,991 |
| Total risk-based capital ratio | 14.3606% | 4,957 |
| Memoranda: | ||
| Average total assets | $242,275,800 | 2,608 |
| Average earning assets | $228,770,200 | 2,521 |
| Average equity | $27,906,000 | 2,333 |
| Average total loans | $203,390,200 | 2,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 2,574 |
| Cost of funding earning assets | 1.0828% | 3,092 |
| Net interest margin | 4.0239% | 2,812 |
| Noninterest income to average assets | 0.2055% | 6,135 |
| Noninterest expense to average assets | 2.8447% | 4,170 |
| Loan and lease loss provision to assets | 0.3894% | 2,522 |
| Net operating income to assets | 0.5108% | 4,503 |
| Return on assets (ROA) | 0.5152% | 4,665 |
| Pretax return on assets | 0.7726% | 4,230 |
| Return on Equity (ROE) | 4.4525% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.4525% | 3,551 |
| Net charge-offs to loans | 0.4707% | 2,853 |
| Credit loss provision to net charge-offs | 97.8992% | 3,493 |
| Earnings coverage of net charge-offs (x) | 2.9047% | 3,691 |
| Efficiency ratio | 71.1182% | 3,717 |
| Assets per employee ($millions) | 7.0563% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 2,434 |
| Loan loss allowance to noncurrent loans | 98.7074% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 2.9611% | 2,173 |
| Noncurrent loans to loans | 1.9908% | 3,381 |
| Net loans and leases to total assets | 80.2162% | 493 |
| Net loans and leases to deposits | 94.9849% | 762 |
| Net loans and leases to core deposits | 109.8810% | 680 |
| Total domestic deposits to total assets | 84.4516% | 4,031 |
| Equity capital to assets | 11.5022% | 2,680 |
| Core capital (leverage) ratio | 11.3993% | 2,100 |
| Tier 1 risk-based capital ratio | 13.6298% | 4,634 |
| Total risk-based capital ratio | 14.8880% | 4,591 |
| Memoranda: | ||
| Average total assets | $239,367,000 | 2,654 |
| Average earning assets | $225,711,500 | 2,558 |
| Average equity | $27,699,250 | 2,348 |
| Average total loans | $202,230,500 | 2,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 2,501 |
| Cost of funding earning assets | 1.1326% | 3,024 |
| Net interest margin | 4.0092% | 2,791 |
| Noninterest income to average assets | 0.2018% | 6,225 |
| Noninterest expense to average assets | 2.8999% | 4,022 |
| Loan and lease loss provision to assets | 0.4146% | 2,358 |
| Net operating income to assets | 0.4375% | 4,782 |
| Return on assets (ROA) | 0.4442% | 4,887 |
| Pretax return on assets | 0.6730% | 4,486 |
| Return on Equity (ROE) | 3.8306% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.8306% | 3,773 |
| Net charge-offs to loans | 0.3826% | 3,027 |
| Credit loss provision to net charge-offs | 126.8734% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.2972% | 3,221 |
| Efficiency ratio | 72.9087% | 3,558 |
| Assets per employee ($millions) | 6.9336% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 2,288 |
| Loan loss allowance to noncurrent loans | 58.5205% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 4.7949% | 1,295 |
| Noncurrent loans to loans | 3.4676% | 2,041 |
| Net loans and leases to total assets | 81.3682% | 420 |
| Net loans and leases to deposits | 96.3149% | 701 |
| Net loans and leases to core deposits | 111.6135% | 665 |
| Total domestic deposits to total assets | 84.4814% | 4,131 |
| Equity capital to assets | 11.4725% | 2,525 |
| Core capital (leverage) ratio | 11.3372% | 2,022 |
| Tier 1 risk-based capital ratio | 13.2029% | 4,769 |
| Total risk-based capital ratio | 14.4622% | 4,737 |
| Memoranda: | ||
| Average total assets | $236,832,670 | 2,685 |
| Average earning assets | $223,036,330 | 2,611 |
| Average equity | $27,463,330 | 2,352 |
| Average total loans | $202,280,330 | 2,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 2,387 |
| Cost of funding earning assets | 1.1798% | 2,946 |
| Net interest margin | 3.9797% | 2,774 |
| Noninterest income to average assets | 0.2103% | 6,231 |
| Noninterest expense to average assets | 2.9344% | 3,922 |
| Loan and lease loss provision to assets | 0.5130% | 1,696 |
| Net operating income to assets | 0.3416% | 5,215 |
| Return on assets (ROA) | 0.3540% | 5,233 |
| Pretax return on assets | 0.5370% | 4,907 |
| Return on Equity (ROE) | 3.0358% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.0358% | 4,339 |
| Net charge-offs to loans | 0.5902% | 2,019 |
| Credit loss provision to net charge-offs | 100.3344% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.0167% | 3,294 |
| Efficiency ratio | 73.9974% | 3,512 |
| Assets per employee ($millions) | 6.4837% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 2,530 |
| Loan loss allowance to noncurrent loans | 48.2863% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 5.2919% | 1,164 |
| Noncurrent loans to loans | 4.0478% | 1,790 |
| Net loans and leases to total assets | 85.6863% | 144 |
| Net loans and leases to deposits | 101.8781% | 382 |
| Net loans and leases to core deposits | 116.4251% | 516 |
| Total domestic deposits to total assets | 84.1066% | 4,449 |
| Equity capital to assets | 11.7385% | 2,091 |
| Core capital (leverage) ratio | 11.3000% | 1,957 |
| Tier 1 risk-based capital ratio | 12.8888% | 4,913 |
| Total risk-based capital ratio | 14.1472% | 4,891 |
| Memoranda: | ||
| Average total assets | $233,911,000 | 2,737 |
| Average earning assets | $220,718,000 | 2,653 |
| Average equity | $27,274,500 | 2,353 |
| Average total loans | $202,645,000 | 2,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 3,410 |
| Cost of funding earning assets | 1.5202% | 2,531 |
| Net interest margin | 3.7198% | 4,268 |
| Noninterest income to average assets | 0.1898% | 6,401 |
| Noninterest expense to average assets | 2.3317% | 6,268 |
| Loan and lease loss provision to assets | 1.3952% | 1,076 |
| Net operating income to assets | 0.0073% | 5,819 |
| Return on assets (ROA) | 0.0478% | 5,846 |
| Pretax return on assets | 0.0353% | 5,825 |
| Return on Equity (ROE) | 0.4106% | 5,849 |
| Retained earnings to average equity (ytd only) | 0.4106% | 5,371 |
| Net charge-offs to loans | 1.5548% | 1,406 |
| Credit loss provision to net charge-offs | 101.7896% | 4,452 |
| Earnings coverage of net charge-offs (x) | 1.0141% | 5,097 |
| Efficiency ratio | 62.6503% | 5,595 |
| Assets per employee ($millions) | 6.6974% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 2,353 |
| Loan loss allowance to noncurrent loans | 43.5581% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 5.4089% | 1,146 |
| Noncurrent loans to loans | 4.5459% | 1,551 |
| Net loans and leases to total assets | 84.1752% | 288 |
| Net loans and leases to deposits | 99.9240% | 586 |
| Net loans and leases to core deposits | 116.0868% | 636 |
| Total domestic deposits to total assets | 84.2392% | 4,255 |
| Equity capital to assets | 11.5823% | 2,197 |
| Core capital (leverage) ratio | 11.2327% | 1,988 |
| Tier 1 risk-based capital ratio | 12.6459% | 4,899 |
| Total risk-based capital ratio | 13.9043% | 4,874 |
| Memoranda: | ||
| Average total assets | $232,367,000 | 2,717 |
| Average earning assets | $220,630,200 | 2,627 |
| Average equity | $27,036,600 | 2,375 |
| Average total loans | $204,855,400 | 2,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 3,523 |
| Cost of funding earning assets | 1.5916% | 2,437 |
| Net interest margin | 3.6708% | 4,536 |
| Noninterest income to average assets | 0.1708% | 6,658 |
| Noninterest expense to average assets | 2.3077% | 6,303 |
| Loan and lease loss provision to assets | 1.6343% | 787 |
| Net operating income to assets | -0.1863% | 6,305 |
| Return on assets (ROA) | -0.1507% | 6,329 |
| Pretax return on assets | -0.2277% | 6,339 |
| Return on Equity (ROE) | -1.2934% | 6,313 |
| Retained earnings to average equity (ytd only) | -1.2934% | 6,060 |
| Net charge-offs to loans | 1.8152% | 1,060 |
| Credit loss provision to net charge-offs | 101.4638% | 4,249 |
| Earnings coverage of net charge-offs (x) | 0.8397% | 5,212 |
| Efficiency ratio | 63.0479% | 5,424 |
| Assets per employee ($millions) | 6.6153% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9823% | 2,272 |
| Loan loss allowance to noncurrent loans | 40.3742% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 5.8284% | 1,038 |
| Noncurrent loans to loans | 4.9098% | 1,428 |
| Net loans and leases to total assets | 84.7817% | 280 |
| Net loans and leases to deposits | 101.3088% | 568 |
| Net loans and leases to core deposits | 119.0757% | 644 |
| Total domestic deposits to total assets | 83.6864% | 4,279 |
| Equity capital to assets | 11.6409% | 2,420 |
| Core capital (leverage) ratio | 11.1482% | 2,162 |
| Tier 1 risk-based capital ratio | 12.6054% | 4,885 |
| Total risk-based capital ratio | 13.8640% | 4,860 |
| Memoranda: | ||
| Average total assets | $231,856,250 | 2,760 |
| Average earning assets | $220,399,500 | 2,664 |
| Average equity | $27,008,250 | 2,412 |
| Average total loans | $205,744,000 | 2,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 3,637 |
| Cost of funding earning assets | 1.6504% | 2,384 |
| Net interest margin | 3.6120% | 4,764 |
| Noninterest income to average assets | 0.1526% | 6,798 |
| Noninterest expense to average assets | 2.2969% | 6,363 |
| Loan and lease loss provision to assets | 1.7606% | 702 |
| Net operating income to assets | -0.3064% | 6,478 |
| Return on assets (ROA) | -0.2837% | 6,503 |
| Pretax return on assets | -0.4285% | 6,538 |
| Return on Equity (ROE) | -2.4346% | 6,460 |
| Retained earnings to average equity (ytd only) | -2.4346% | 6,214 |
| Net charge-offs to loans | 1.6631% | 1,135 |
| Credit loss provision to net charge-offs | 118.3082% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.8720% | 4,895 |
| Efficiency ratio | 63.9002% | 5,359 |
| Assets per employee ($millions) | 6.6286% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 2,039 |
| Loan loss allowance to noncurrent loans | 59.1638% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 4.5198% | 1,464 |
| Noncurrent loans to loans | 3.4922% | 2,270 |
| Net loans and leases to total assets | 86.7289% | 180 |
| Net loans and leases to deposits | 103.5675% | 506 |
| Net loans and leases to core deposits | 124.8647% | 549 |
| Total domestic deposits to total assets | 83.7414% | 4,231 |
| Equity capital to assets | 11.5857% | 2,374 |
| Core capital (leverage) ratio | 10.8153% | 2,386 |
| Tier 1 risk-based capital ratio | 12.2766% | 5,054 |
| Total risk-based capital ratio | 13.5367% | 5,023 |
| Memoranda: | ||
| Average total assets | $231,962,670 | 2,780 |
| Average earning assets | $221,041,000 | 2,668 |
| Average equity | $27,026,670 | 2,412 |
| Average total loans | $207,568,330 | 2,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 4,043 |
| Cost of funding earning assets | 1.6830% | 2,470 |
| Net interest margin | 3.5125% | 5,108 |
| Noninterest income to average assets | 0.1569% | 6,845 |
| Noninterest expense to average assets | 2.3126% | 6,344 |
| Loan and lease loss provision to assets | 1.4659% | 806 |
| Net operating income to assets | -0.1805% | 6,522 |
| Return on assets (ROA) | -0.1828% | 6,597 |
| Pretax return on assets | -0.2777% | 6,613 |
| Return on Equity (ROE) | -1.5645% | 6,585 |
| Retained earnings to average equity (ytd only) | -1.5645% | 6,135 |
| Net charge-offs to loans | 1.5032% | 1,152 |
| Credit loss provision to net charge-offs | 108.4184% | 3,176 |
| Earnings coverage of net charge-offs (x) | 0.8814% | 4,258 |
| Efficiency ratio | 65.9941% | 5,115 |
| Assets per employee ($millions) | 6.7325% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,484 |
| Loan loss allowance to noncurrent loans | 36.0788% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 4.7331% | 1,396 |
| Noncurrent loans to loans | 5.2317% | 1,367 |
| Net loans and leases to total assets | 88.1262% | 119 |
| Net loans and leases to deposits | 107.6472% | 354 |
| Net loans and leases to core deposits | 127.7329% | 543 |
| Total domestic deposits to total assets | 81.8658% | 5,127 |
| Equity capital to assets | 11.4889% | 2,372 |
| Core capital (leverage) ratio | 11.2872% | 2,040 |
| Tier 1 risk-based capital ratio | 12.3629% | 4,860 |
| Total risk-based capital ratio | 13.6209% | 4,810 |
| Memoranda: | ||
| Average total assets | $231,943,500 | 2,854 |
| Average earning assets | $221,037,500 | 2,725 |
| Average equity | $27,100,500 | 2,430 |
| Average total loans | $208,624,000 | 2,192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 4,170 |
| Cost of funding earning assets | 2.2928% | 1,688 |
| Net interest margin | 3.2020% | 6,088 |
| Noninterest income to average assets | 0.1447% | 7,017 |
| Noninterest expense to average assets | 2.2265% | 6,922 |
| Loan and lease loss provision to assets | 1.0776% | 2,123 |
| Net operating income to assets | -0.0411% | 5,565 |
| Return on assets (ROA) | -0.0411% | 5,594 |
| Pretax return on assets | -0.0943% | 5,592 |
| Return on Equity (ROE) | -0.3239% | 5,590 |
| Retained earnings to average equity (ytd only) | -0.3239% | 5,033 |
| Net charge-offs to loans | 0.4194% | 4,125 |
| Credit loss provision to net charge-offs | 282.6193% | 1,194 |
| Earnings coverage of net charge-offs (x) | 2.5789% | 3,824 |
| Efficiency ratio | 69.3661% | 4,758 |
| Assets per employee ($millions) | 6.7132% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 2,235 |
| Loan loss allowance to noncurrent loans | 82.8030% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 3,206 |
| Noncurrent loans to loans | 2.3079% | 3,279 |
| Net loans and leases to total assets | 88.3531% | 158 |
| Net loans and leases to deposits | 108.8692% | 424 |
| Net loans and leases to core deposits | 141.2821% | 763 |
| Total domestic deposits to total assets | 81.1553% | 5,291 |
| Equity capital to assets | 11.8857% | 2,089 |
| Core capital (leverage) ratio | 11.3964% | 1,972 |
| Tier 1 risk-based capital ratio | 12.7321% | 4,341 |
| Total risk-based capital ratio | 13.9908% | 4,275 |
| Memoranda: | ||
| Average total assets | $214,279,400 | 3,022 |
| Average earning assets | $205,124,600 | 2,903 |
| Average equity | $27,164,800 | 2,431 |
| Average total loans | $194,798,400 | 2,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 4,564 |
| Cost of funding earning assets | 2.4161% | 1,575 |
| Net interest margin | 3.0568% | 6,441 |
| Noninterest income to average assets | 0.1404% | 7,175 |
| Noninterest expense to average assets | 2.2461% | 6,851 |
| Loan and lease loss provision to assets | 1.0253% | 1,872 |
| Net operating income to assets | -0.1455% | 5,978 |
| Return on assets (ROA) | -0.1455% | 5,994 |
| Pretax return on assets | -0.2068% | 5,990 |
| Return on Equity (ROE) | -1.1285% | 5,955 |
| Retained earnings to average equity (ytd only) | -1.1285% | 5,525 |
| Net charge-offs to loans | 0.2061% | 4,756 |
| Credit loss provision to net charge-offs | 545.7912% | 720 |
| Earnings coverage of net charge-offs (x) | 4.3569% | 3,165 |
| Efficiency ratio | 73.2921% | 3,995 |
| Assets per employee ($millions) | 6.7826% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 2,219 |
| Loan loss allowance to noncurrent loans | 123.2787% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 4,125 |
| Noncurrent loans to loans | 1.4758% | 4,464 |
| Net loans and leases to total assets | 90.6530% | 89 |
| Net loans and leases to deposits | 112.2946% | 379 |
| Net loans and leases to core deposits | 144.5051% | 745 |
| Total domestic deposits to total assets | 80.7278% | 5,184 |
| Equity capital to assets | 12.0902% | 2,196 |
| Core capital (leverage) ratio | 11.7744% | 1,921 |
| Tier 1 risk-based capital ratio | 12.6392% | 4,445 |
| Total risk-based capital ratio | 13.8967% | 4,390 |
| Memoranda: | ||
| Average total assets | $210,786,750 | 3,079 |
| Average earning assets | $201,640,750 | 2,962 |
| Average equity | $27,173,750 | 2,459 |
| Average total loans | $192,099,250 | 2,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 5,133 |
| Cost of funding earning assets | 2.5487% | 1,455 |
| Net interest margin | 2.8553% | 6,899 |
| Noninterest income to average assets | 0.1434% | 7,231 |
| Noninterest expense to average assets | 2.2176% | 7,014 |
| Loan and lease loss provision to assets | 0.8496% | 1,970 |
| Net operating income to assets | -0.1308% | 6,068 |
| Return on assets (ROA) | -0.1308% | 6,098 |
| Pretax return on assets | -0.1986% | 6,122 |
| Return on Equity (ROE) | -0.9922% | 6,070 |
| Retained earnings to average equity (ytd only) | -0.9922% | 5,482 |
| Net charge-offs to loans | 0.0523% | 5,760 |
| Credit loss provision to net charge-offs | 1,789.7959% | 295 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,717 |
| Efficiency ratio | 77.3050% | 3,454 |
| Assets per employee ($millions) | 6.7579% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 2,471 |
| Loan loss allowance to noncurrent loans | 143.7693% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 4,868 |
| Noncurrent loans to loans | 1.1578% | 4,899 |
| Net loans and leases to total assets | 89.1959% | 174 |
| Net loans and leases to deposits | 111.7207% | 489 |
| Net loans and leases to core deposits | 145.1497% | 791 |
| Total domestic deposits to total assets | 79.8383% | 5,529 |
| Equity capital to assets | 12.5271% | 1,911 |
| Core capital (leverage) ratio | 12.3128% | 1,691 |
| Tier 1 risk-based capital ratio | 13.4436% | 3,852 |
| Total risk-based capital ratio | 14.6990% | 3,789 |
| Memoranda: | ||
| Average total assets | $206,440,670 | 3,148 |
| Average earning assets | $197,039,330 | 3,038 |
| Average equity | $27,211,330 | 2,457 |
| Average total loans | $187,244,330 | 2,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 5,550 |
| Cost of funding earning assets | 2.6459% | 1,428 |
| Net interest margin | 2.7287% | 7,142 |
| Noninterest income to average assets | 0.1171% | 7,440 |
| Noninterest expense to average assets | 2.1674% | 6,964 |
| Loan and lease loss provision to assets | 0.5954% | 2,109 |
| Net operating income to assets | -0.0198% | 6,289 |
| Return on assets (ROA) | -0.0198% | 6,418 |
| Pretax return on assets | -0.0298% | 6,412 |
| Return on Equity (ROE) | -0.1467% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.1467% | 5,678 |
| Net charge-offs to loans | 0.1072% | 4,113 |
| Credit loss provision to net charge-offs | 612.2449% | 927 |
| Earnings coverage of net charge-offs (x) | 5.8163% | 2,602 |
| Efficiency ratio | 79.3028% | 2,945 |
| Assets per employee ($millions) | 6.9152% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,245 |
| Loan loss allowance to noncurrent loans | 533.3333% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 6,785 |
| Noncurrent loans to loans | 0.2715% | 6,754 |
| Net loans and leases to total assets | 88.1989% | 249 |
| Net loans and leases to deposits | 111.6595% | 535 |
| Net loans and leases to core deposits | 151.4715% | 658 |
| Total domestic deposits to total assets | 78.9892% | 5,729 |
| Equity capital to assets | 13.1257% | 1,691 |
| Core capital (leverage) ratio | 13.1531% | 1,436 |
| Tier 1 risk-based capital ratio | 13.8554% | 3,668 |
| Total risk-based capital ratio | 15.1073% | 3,588 |
| Memoranda: | ||
| Average total assets | $201,535,000 | 3,218 |
| Average earning assets | $193,205,500 | 3,110 |
| Average equity | $27,272,000 | 2,469 |
| Average total loans | $182,790,000 | 2,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1784% | 4,624 |
| Cost of funding earning assets | 3.0305% | 1,750 |
| Net interest margin | 3.1479% | 6,529 |
| Noninterest income to average assets | 0.1137% | 7,553 |
| Noninterest expense to average assets | 2.4659% | 6,146 |
| Loan and lease loss provision to assets | 0.5558% | 2,592 |
| Net operating income to assets | 0.1553% | 5,973 |
| Return on assets (ROA) | 0.1553% | 5,796 |
| Pretax return on assets | 0.1577% | 5,824 |
| Return on Equity (ROE) | 0.9363% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.9363% | 4,669 |
| Net charge-offs to loans | 0.0047% | 6,919 |
| Credit loss provision to net charge-offs | 12,985.7143% | 48 |
| Earnings coverage of net charge-offs (x) | 166.7143% | 276 |
| Efficiency ratio | 77.5577% | 2,985 |
| Assets per employee ($millions) | 6.7453% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,453 |
| Loan loss allowance to noncurrent loans | 272.9003% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 5,855 |
| Noncurrent loans to loans | 0.4963% | 5,862 |
| Net loans and leases to total assets | 90.7303% | 149 |
| Net loans and leases to deposits | 117.0679% | 476 |
| Net loans and leases to core deposits | 157.7618% | 626 |
| Total domestic deposits to total assets | 77.5022% | 5,873 |
| Equity capital to assets | 13.9631% | 1,435 |
| Core capital (leverage) ratio | 13.9955% | 1,254 |
| Tier 1 risk-based capital ratio | 14.6795% | 3,216 |
| Total risk-based capital ratio | 15.9307% | 3,134 |
| Memoranda: | ||
| Average total assets | $163,550,200 | 3,654 |
| Average earning assets | $159,282,000 | 3,484 |
| Average equity | $27,129,400 | 2,465 |
| Average total loans | $148,617,400 | 2,954 |