Home > HarVest Bank of Maryland > Performance and Condition Ratios
HarVest Bank of Maryland, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 6,221 |
| Cost of funding earning assets | 1.7605% | 102 |
| Net interest margin | 2.0513% | 7,151 |
| Noninterest income to average assets | 0.0538% | 6,913 |
| Noninterest expense to average assets | 4.6310% | 489 |
| Loan and lease loss provision to assets | 0.7625% | 661 |
| Net operating income to assets | -3.7537% | 7,251 |
| Return on assets (ROA) | -3.6022% | 7,246 |
| Pretax return on assets | -3.6022% | 7,234 |
| Return on Equity (ROE) | -291.5925% | 7,297 |
| Retained earnings to average equity (ytd only) | -291.5925% | 7,296 |
| Net charge-offs to loans | 2.6962% | 292 |
| Credit loss provision to net charge-offs | 50.0803% | 3,276 |
| Earnings coverage of net charge-offs (x) | -1.9647% | 4,611 |
| Efficiency ratio | 281.5201% | 21 |
| Assets per employee ($millions) | 8.1510% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8036% | 1,002 |
| Loan loss allowance to noncurrent loans | 13.1726% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 15.8951% | 92 |
| Noncurrent loans to loans | 21.2837% | 37 |
| Net loans and leases to total assets | 53.2085% | 4,852 |
| Net loans and leases to deposits | 59.6012% | 5,199 |
| Net loans and leases to core deposits | 60.1855% | 5,511 |
| Total domestic deposits to total assets | 89.2743% | 1,495 |
| Equity capital to assets | 0.7570% | 7,301 |
| Core capital (leverage) ratio | 0.5934% | 7,303 |
| Tier 1 risk-based capital ratio | 0.9694% | 7,303 |
| Total risk-based capital ratio | 1.9388% | 7,303 |
| Memoranda: | ||
| Average total assets | $163,679,500 | 3,629 |
| Average earning assets | $126,554,500 | 4,048 |
| Average equity | $2,022,000 | 7,146 |
| Average total loans | $92,425,000 | 3,771 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 5,948 |
| Cost of funding earning assets | 1.7756% | 235 |
| Net interest margin | 2.4628% | 7,071 |
| Noninterest income to average assets | 0.0434% | 6,860 |
| Noninterest expense to average assets | 4.6041% | 526 |
| Loan and lease loss provision to assets | 0.8768% | 1,104 |
| Net operating income to assets | -3.3967% | 7,217 |
| Return on assets (ROA) | -1.7599% | 6,990 |
| Pretax return on assets | -1.7599% | 6,960 |
| Return on Equity (ROE) | -63.8890% | 7,256 |
| Retained earnings to average equity (ytd only) | -63.8890% | 7,256 |
| Net charge-offs to loans | 1.2897% | 1,279 |
| Credit loss provision to net charge-offs | 101.0870% | 3,443 |
| Earnings coverage of net charge-offs (x) | -2.9051% | 6,319 |
| Efficiency ratio | 220.1448% | 46 |
| Assets per employee ($millions) | 6.8475% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9422% | 861 |
| Loan loss allowance to noncurrent loans | 14.6571% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 15.4448% | 104 |
| Noncurrent loans to loans | 20.0736% | 50 |
| Net loans and leases to total assets | 56.4653% | 4,628 |
| Net loans and leases to deposits | 63.7701% | 5,040 |
| Net loans and leases to core deposits | 66.0355% | 5,248 |
| Total domestic deposits to total assets | 88.5451% | 1,825 |
| Equity capital to assets | 1.7099% | 7,334 |
| Core capital (leverage) ratio | 1.4989% | 7,337 |
| Tier 1 risk-based capital ratio | 2.3938% | 7,331 |
| Total risk-based capital ratio | 3.6625% | 7,333 |
| Memoranda: | ||
| Average total assets | $159,096,400 | 3,643 |
| Average earning assets | $131,843,800 | 3,894 |
| Average equity | $4,382,600 | 6,633 |
| Average total loans | $107,003,000 | 3,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 6,230 |
| Cost of funding earning assets | 1.7731% | 291 |
| Net interest margin | 2.4173% | 7,171 |
| Noninterest income to average assets | 0.0313% | 7,014 |
| Noninterest expense to average assets | 3.7806% | 1,337 |
| Loan and lease loss provision to assets | 1.2346% | 623 |
| Net operating income to assets | -2.9229% | 7,259 |
| Return on assets (ROA) | -0.8095% | 6,838 |
| Pretax return on assets | -0.8095% | 6,788 |
| Return on Equity (ROE) | -26.7455% | 7,177 |
| Retained earnings to average equity (ytd only) | -26.7455% | 7,168 |
| Net charge-offs to loans | 1.0681% | 1,490 |
| Credit loss provision to net charge-offs | 166.0227% | 1,835 |
| Earnings coverage of net charge-offs (x) | -2.2705% | 6,035 |
| Efficiency ratio | 179.9677% | 74 |
| Assets per employee ($millions) | 6.8967% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1978% | 724 |
| Loan loss allowance to noncurrent loans | 14.5315% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 17.5876% | 80 |
| Noncurrent loans to loans | 22.0060% | 44 |
| Net loans and leases to total assets | 64.4654% | 3,214 |
| Net loans and leases to deposits | 76.4578% | 3,257 |
| Net loans and leases to core deposits | 79.8340% | 3,662 |
| Total domestic deposits to total assets | 84.3150% | 4,092 |
| Equity capital to assets | 3.0147% | 7,363 |
| Core capital (leverage) ratio | 2.7288% | 7,362 |
| Tier 1 risk-based capital ratio | 3.8914% | 7,365 |
| Total risk-based capital ratio | 5.1634% | 7,366 |
| Memoranda: | ||
| Average total assets | $157,785,500 | 3,696 |
| Average earning assets | $134,527,500 | 3,876 |
| Average equity | $4,775,750 | 6,566 |
| Average total loans | $109,851,750 | 3,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 6,129 |
| Cost of funding earning assets | 1.8453% | 265 |
| Net interest margin | 2.4173% | 7,225 |
| Noninterest income to average assets | 0.0267% | 7,129 |
| Noninterest expense to average assets | 3.9008% | 1,190 |
| Loan and lease loss provision to assets | 1.9555% | 322 |
| Net operating income to assets | -3.7637% | 7,377 |
| Return on assets (ROA) | -1.4349% | 7,091 |
| Pretax return on assets | -1.4349% | 7,042 |
| Return on Equity (ROE) | -47.3430% | 7,337 |
| Retained earnings to average equity (ytd only) | -47.3430% | 7,334 |
| Net charge-offs to loans | 0.7640% | 1,969 |
| Credit loss provision to net charge-offs | 362.3529% | 845 |
| Earnings coverage of net charge-offs (x) | -3.3506% | 5,763 |
| Efficiency ratio | 185.6189% | 75 |
| Assets per employee ($millions) | 6.5344% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6135% | 555 |
| Loan loss allowance to noncurrent loans | 17.4107% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 16.3622% | 115 |
| Noncurrent loans to loans | 20.7543% | 51 |
| Net loans and leases to total assets | 66.5391% | 2,924 |
| Net loans and leases to deposits | 78.9986% | 2,966 |
| Net loans and leases to core deposits | 83.0290% | 3,358 |
| Total domestic deposits to total assets | 84.2283% | 4,250 |
| Equity capital to assets | 2.7139% | 7,442 |
| Core capital (leverage) ratio | 2.6455% | 7,439 |
| Tier 1 risk-based capital ratio | 3.7260% | 7,442 |
| Total risk-based capital ratio | 5.0046% | 7,442 |
| Memoranda: | ||
| Average total assets | $157,506,330 | 3,723 |
| Average earning assets | $134,611,330 | 3,892 |
| Average equity | $4,773,670 | 6,609 |
| Average total loans | $111,257,330 | 3,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 6,397 |
| Cost of funding earning assets | 1.8632% | 296 |
| Net interest margin | 2.2857% | 7,318 |
| Noninterest income to average assets | -0.0634% | 7,366 |
| Noninterest expense to average assets | 4.3967% | 652 |
| Loan and lease loss provision to assets | 1.8093% | 319 |
| Net operating income to assets | -4.2953% | 7,457 |
| Return on assets (ROA) | 0.3497% | 5,256 |
| Pretax return on assets | 0.3497% | 5,511 |
| Return on Equity (ROE) | 10.9687% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.9687% | 906 |
| Net charge-offs to loans | 1.6283% | 825 |
| Credit loss provision to net charge-offs | 155.5556% | 1,843 |
| Earnings coverage of net charge-offs (x) | -2.1373% | 4,965 |
| Efficiency ratio | 229.3103% | 52 |
| Assets per employee ($millions) | 6.1514% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7323% | 1,178 |
| Loan loss allowance to noncurrent loans | 13.1984% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 17.1018% | 103 |
| Noncurrent loans to loans | 20.7017% | 62 |
| Net loans and leases to total assets | 70.6499% | 1,993 |
| Net loans and leases to deposits | 84.8562% | 1,902 |
| Net loans and leases to core deposits | 89.9412% | 2,355 |
| Total domestic deposits to total assets | 83.2584% | 4,812 |
| Equity capital to assets | 3.3027% | 7,474 |
| Core capital (leverage) ratio | 3.3929% | 7,470 |
| Tier 1 risk-based capital ratio | 4.7044% | 7,469 |
| Total risk-based capital ratio | 5.9718% | 7,469 |
| Memoranda: | ||
| Average total assets | $157,847,000 | 3,742 |
| Average earning assets | $136,327,500 | 3,889 |
| Average equity | $5,032,500 | 6,548 |
| Average total loans | $112,755,000 | 3,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 5,863 |
| Cost of funding earning assets | 2.2484% | 258 |
| Net interest margin | 2.4314% | 7,309 |
| Noninterest income to average assets | 0.1411% | 6,683 |
| Noninterest expense to average assets | 4.3172% | 796 |
| Loan and lease loss provision to assets | 2.2086% | 551 |
| Net operating income to assets | -6.5237% | 7,592 |
| Return on assets (ROA) | -6.3040% | 7,592 |
| Pretax return on assets | -4.0878% | 7,450 |
| Return on Equity (ROE) | -97.8835% | 7,589 |
| Retained earnings to average equity (ytd only) | -97.8835% | 7,589 |
| Net charge-offs to loans | 2.5127% | 745 |
| Credit loss provision to net charge-offs | 132.4810% | 2,966 |
| Earnings coverage of net charge-offs (x) | -1.2591% | 6,646 |
| Efficiency ratio | 194.0517% | 98 |
| Assets per employee ($millions) | 5.5831% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4585% | 1,459 |
| Loan loss allowance to noncurrent loans | 16.6577% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 12.8146% | 238 |
| Noncurrent loans to loans | 14.7589% | 171 |
| Net loans and leases to total assets | 68.5638% | 2,848 |
| Net loans and leases to deposits | 81.5640% | 2,894 |
| Net loans and leases to core deposits | 90.9881% | 2,620 |
| Total domestic deposits to total assets | 84.0614% | 4,337 |
| Equity capital to assets | 3.0795% | 7,559 |
| Core capital (leverage) ratio | 3.0642% | 7,550 |
| Tier 1 risk-based capital ratio | 4.4583% | 7,545 |
| Total risk-based capital ratio | 5.7222% | 7,550 |
| Memoranda: | ||
| Average total assets | $197,049,600 | 3,135 |
| Average earning assets | $168,341,800 | 3,310 |
| Average equity | $12,690,600 | 4,429 |
| Average total loans | $130,733,600 | 3,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 6,170 |
| Cost of funding earning assets | 2.3160% | 258 |
| Net interest margin | 2.3395% | 7,465 |
| Noninterest income to average assets | 0.1820% | 6,576 |
| Noninterest expense to average assets | 4.0439% | 995 |
| Loan and lease loss provision to assets | 2.1862% | 516 |
| Net operating income to assets | -6.8765% | 7,716 |
| Return on assets (ROA) | -6.6012% | 7,711 |
| Pretax return on assets | -3.7725% | 7,540 |
| Return on Equity (ROE) | -92.9595% | 7,682 |
| Retained earnings to average equity (ytd only) | -92.9595% | 7,682 |
| Net charge-offs to loans | 2.8333% | 570 |
| Credit loss provision to net charge-offs | 117.6778% | 3,524 |
| Earnings coverage of net charge-offs (x) | -1.0021% | 6,445 |
| Efficiency ratio | 184.7432% | 109 |
| Assets per employee ($millions) | 5.7176% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,683 |
| Loan loss allowance to noncurrent loans | 10.1121% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 14.1784% | 182 |
| Noncurrent loans to loans | 18.1187% | 103 |
| Net loans and leases to total assets | 69.8762% | 2,759 |
| Net loans and leases to deposits | 83.7793% | 2,744 |
| Net loans and leases to core deposits | 98.6721% | 1,971 |
| Total domestic deposits to total assets | 83.4051% | 4,414 |
| Equity capital to assets | 4.5188% | 7,612 |
| Core capital (leverage) ratio | 4.0002% | 7,620 |
| Tier 1 risk-based capital ratio | 6.1317% | 7,598 |
| Total risk-based capital ratio | 7.3892% | 7,602 |
| Memoranda: | ||
| Average total assets | $205,834,750 | 3,069 |
| Average earning assets | $175,988,500 | 3,213 |
| Average equity | $14,616,750 | 4,072 |
| Average total loans | $134,964,750 | 3,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 5,938 |
| Cost of funding earning assets | 2.3743% | 256 |
| Net interest margin | 2.3839% | 7,492 |
| Noninterest income to average assets | 0.1749% | 6,653 |
| Noninterest expense to average assets | 3.7023% | 1,555 |
| Loan and lease loss provision to assets | 0.7990% | 1,810 |
| Net operating income to assets | -1.3849% | 7,117 |
| Return on assets (ROA) | -1.2841% | 7,079 |
| Pretax return on assets | -2.1209% | 7,271 |
| Return on Equity (ROE) | -16.5037% | 7,189 |
| Retained earnings to average equity (ytd only) | -16.5037% | 7,152 |
| Net charge-offs to loans | 0.8215% | 2,197 |
| Credit loss provision to net charge-offs | 151.7483% | 2,589 |
| Earnings coverage of net charge-offs (x) | -2.8094% | 6,252 |
| Efficiency ratio | 166.0041% | 161 |
| Assets per employee ($millions) | 6.4696% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,989 |
| Loan loss allowance to noncurrent loans | 10.9745% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 9.5924% | 442 |
| Noncurrent loans to loans | 13.5546% | 212 |
| Net loans and leases to total assets | 64.8081% | 4,083 |
| Net loans and leases to deposits | 81.0324% | 3,423 |
| Net loans and leases to core deposits | 102.7571% | 1,759 |
| Total domestic deposits to total assets | 79.9781% | 5,734 |
| Equity capital to assets | 8.0762% | 6,676 |
| Core capital (leverage) ratio | 5.2537% | 7,575 |
| Tier 1 risk-based capital ratio | 8.0562% | 7,520 |
| Total risk-based capital ratio | 9.3092% | 7,528 |
| Memoranda: | ||
| Average total assets | $217,270,000 | 2,971 |
| Average earning assets | $186,665,000 | 3,109 |
| Average equity | $16,905,330 | 3,650 |
| Average total loans | $139,254,670 | 3,033 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 4,070 |
| Cost of funding earning assets | 2.4636% | 251 |
| Net interest margin | 2.7279% | 7,269 |
| Noninterest income to average assets | 0.1547% | 6,860 |
| Noninterest expense to average assets | 3.0559% | 3,453 |
| Loan and lease loss provision to assets | 1.0792% | 1,143 |
| Net operating income to assets | -0.9727% | 7,091 |
| Return on assets (ROA) | -0.9497% | 7,109 |
| Pretax return on assets | -1.5684% | 7,282 |
| Return on Equity (ROE) | -12.4250% | 7,237 |
| Retained earnings to average equity (ytd only) | -12.4250% | 7,097 |
| Net charge-offs to loans | 1.4348% | 1,207 |
| Credit loss provision to net charge-offs | 118.8119% | 2,936 |
| Earnings coverage of net charge-offs (x) | -0.5782% | 5,309 |
| Efficiency ratio | 120.3269% | 440 |
| Assets per employee ($millions) | 6.7841% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,830 |
| Loan loss allowance to noncurrent loans | 12.2452% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 7.3135% | 713 |
| Noncurrent loans to loans | 10.7736% | 373 |
| Net loans and leases to total assets | 62.9162% | 4,555 |
| Net loans and leases to deposits | 77.9476% | 4,057 |
| Net loans and leases to core deposits | 102.3952% | 1,861 |
| Total domestic deposits to total assets | 80.7160% | 5,556 |
| Equity capital to assets | 7.8768% | 6,783 |
| Core capital (leverage) ratio | 5.7514% | 7,616 |
| Tier 1 risk-based capital ratio | 9.0957% | 7,458 |
| Total risk-based capital ratio | 10.3458% | 7,467 |
| Memoranda: | ||
| Average total assets | $222,391,000 | 2,960 |
| Average earning assets | $193,701,500 | 3,079 |
| Average equity | $16,998,000 | 3,655 |
| Average total loans | $140,783,500 | 3,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 5,413 |
| Cost of funding earning assets | 2.9211% | 287 |
| Net interest margin | 2.3287% | 7,565 |
| Noninterest income to average assets | -0.0116% | 7,728 |
| Noninterest expense to average assets | 2.8358% | 4,813 |
| Loan and lease loss provision to assets | 1.0381% | 2,207 |
| Net operating income to assets | -0.9326% | 6,527 |
| Return on assets (ROA) | -0.7498% | 6,398 |
| Pretax return on assets | -1.5307% | 6,723 |
| Return on Equity (ROE) | -9.5941% | 6,590 |
| Retained earnings to average equity (ytd only) | -9.5941% | 6,487 |
| Net charge-offs to loans | 1.4302% | 1,756 |
| Credit loss provision to net charge-offs | 103.7587% | 5,325 |
| Earnings coverage of net charge-offs (x) | -0.7777% | 6,836 |
| Efficiency ratio | 137.4097% | 403 |
| Assets per employee ($millions) | 7.1153% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,302 |
| Loan loss allowance to noncurrent loans | 17.0307% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 4.8628% | 1,288 |
| Noncurrent loans to loans | 7.1000% | 783 |
| Net loans and leases to total assets | 62.1125% | 4,967 |
| Net loans and leases to deposits | 79.4370% | 4,095 |
| Net loans and leases to core deposits | 148.7093% | 542 |
| Total domestic deposits to total assets | 78.1910% | 6,177 |
| Equity capital to assets | 7.4206% | 7,104 |
| Core capital (leverage) ratio | 6.1915% | 7,589 |
| Tier 1 risk-based capital ratio | 9.3292% | 7,314 |
| Total risk-based capital ratio | 10.5101% | 7,349 |
| Memoranda: | ||
| Average total assets | $215,387,200 | 3,013 |
| Average earning assets | $191,397,600 | 3,079 |
| Average equity | $16,833,200 | 3,706 |
| Average total loans | $150,673,200 | 2,904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2494% | 5,689 |
| Cost of funding earning assets | 2.9768% | 353 |
| Net interest margin | 2.2726% | 7,674 |
| Noninterest income to average assets | -0.0289% | 7,878 |
| Noninterest expense to average assets | 2.7983% | 4,906 |
| Loan and lease loss provision to assets | 0.9552% | 2,010 |
| Net operating income to assets | -0.7547% | 6,652 |
| Return on assets (ROA) | -0.5960% | 6,519 |
| Pretax return on assets | -1.5034% | 6,965 |
| Return on Equity (ROE) | -7.5237% | 6,696 |
| Retained earnings to average equity (ytd only) | -7.5237% | 6,548 |
| Net charge-offs to loans | 1.1939% | 1,699 |
| Credit loss provision to net charge-offs | 111.3470% | 4,567 |
| Earnings coverage of net charge-offs (x) | -0.9283% | 6,613 |
| Efficiency ratio | 139.3977% | 393 |
| Assets per employee ($millions) | 7.1973% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,009 |
| Loan loss allowance to noncurrent loans | 15.0806% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 5.6208% | 1,004 |
| Noncurrent loans to loans | 8.0859% | 597 |
| Net loans and leases to total assets | 65.5345% | 4,524 |
| Net loans and leases to deposits | 81.1358% | 4,177 |
| Net loans and leases to core deposits | 157.0987% | 440 |
| Total domestic deposits to total assets | 80.7714% | 5,167 |
| Equity capital to assets | 7.8188% | 7,019 |
| Core capital (leverage) ratio | 6.4543% | 7,690 |
| Tier 1 risk-based capital ratio | 9.4531% | 7,404 |
| Total risk-based capital ratio | 10.6808% | 7,388 |
| Memoranda: | ||
| Average total assets | $212,311,500 | 3,061 |
| Average earning assets | $189,731,250 | 3,120 |
| Average equity | $16,817,500 | 3,743 |
| Average total loans | $152,552,750 | 2,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 6,159 |
| Cost of funding earning assets | 2.9733% | 508 |
| Net interest margin | 2.2030% | 7,749 |
| Noninterest income to average assets | -0.0901% | 8,026 |
| Noninterest expense to average assets | 2.9064% | 4,479 |
| Loan and lease loss provision to assets | 1.0359% | 1,637 |
| Net operating income to assets | -1.0122% | 6,995 |
| Return on assets (ROA) | -0.8270% | 6,851 |
| Pretax return on assets | -1.7642% | 7,201 |
| Return on Equity (ROE) | -10.3924% | 7,065 |
| Retained earnings to average equity (ytd only) | -10.3924% | 6,912 |
| Net charge-offs to loans | 1.3903% | 1,347 |
| Credit loss provision to net charge-offs | 100.9337% | 4,525 |
| Earnings coverage of net charge-offs (x) | -0.9916% | 6,228 |
| Efficiency ratio | 153.5769% | 355 |
| Assets per employee ($millions) | 6.6097% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,558 |
| Loan loss allowance to noncurrent loans | 16.6968% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 4.9704% | 1,071 |
| Noncurrent loans to loans | 6.6270% | 779 |
| Net loans and leases to total assets | 70.1439% | 3,670 |
| Net loans and leases to deposits | 89.5252% | 2,894 |
| Net loans and leases to core deposits | 179.3046% | 225 |
| Total domestic deposits to total assets | 78.3510% | 5,985 |
| Equity capital to assets | 7.7050% | 7,071 |
| Core capital (leverage) ratio | 6.6193% | 7,733 |
| Tier 1 risk-based capital ratio | 9.0584% | 7,672 |
| Total risk-based capital ratio | 10.1926% | 7,757 |
| Memoranda: | ||
| Average total assets | $208,710,000 | 3,123 |
| Average earning assets | $187,470,000 | 3,174 |
| Average equity | $16,608,330 | 3,792 |
| Average total loans | $154,062,670 | 2,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4162% | 5,336 |
| Cost of funding earning assets | 2.9881% | 619 |
| Net interest margin | 2.4281% | 7,589 |
| Noninterest income to average assets | -0.0019% | 8,087 |
| Noninterest expense to average assets | 2.4080% | 6,165 |
| Loan and lease loss provision to assets | 1.5938% | 788 |
| Net operating income to assets | -1.0898% | 7,304 |
| Return on assets (ROA) | -0.8663% | 7,193 |
| Pretax return on assets | -1.4375% | 7,345 |
| Return on Equity (ROE) | -10.7134% | 7,410 |
| Retained earnings to average equity (ytd only) | -10.7134% | 7,177 |
| Net charge-offs to loans | 2.3526% | 617 |
| Credit loss provision to net charge-offs | 89.9782% | 4,009 |
| Earnings coverage of net charge-offs (x) | -0.1089% | 5,083 |
| Efficiency ratio | 108.7108% | 845 |
| Assets per employee ($millions) | 6.6917% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,211 |
| Loan loss allowance to noncurrent loans | 13.1200% | 7,459 |
| Noncurrent assets plus other real estate owned to assets | 6.0720% | 649 |
| Noncurrent loans to loans | 7.5975% | 494 |
| Net loans and leases to total assets | 74.5954% | 2,599 |
| Net loans and leases to deposits | 95.9254% | 1,960 |
| Net loans and leases to core deposits | 176.4137% | 274 |
| Total domestic deposits to total assets | 77.7640% | 6,090 |
| Equity capital to assets | 8.1179% | 6,652 |
| Core capital (leverage) ratio | 6.7676% | 7,777 |
| Tier 1 risk-based capital ratio | 9.2783% | 7,607 |
| Total risk-based capital ratio | 10.3204% | 7,766 |
| Memoranda: | ||
| Average total assets | $207,309,500 | 3,151 |
| Average earning assets | $189,283,500 | 3,164 |
| Average equity | $16,764,000 | 3,780 |
| Average total loans | $156,083,000 | 2,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8984% | 6,046 |
| Cost of funding earning assets | 3.1693% | 1,288 |
| Net interest margin | 2.7291% | 7,448 |
| Noninterest income to average assets | 0.1381% | 7,413 |
| Noninterest expense to average assets | 2.2349% | 6,878 |
| Loan and lease loss provision to assets | 1.0270% | 1,427 |
| Net operating income to assets | -0.2997% | 6,734 |
| Return on assets (ROA) | -0.2206% | 6,489 |
| Pretax return on assets | -0.5055% | 6,658 |
| Return on Equity (ROE) | -2.6444% | 6,581 |
| Retained earnings to average equity (ytd only) | -2.6444% | 6,027 |
| Net charge-offs to loans | 0.9405% | 1,313 |
| Credit loss provision to net charge-offs | 153.8996% | 3,390 |
| Earnings coverage of net charge-offs (x) | 0.5961% | 5,868 |
| Efficiency ratio | 84.8894% | 1,964 |
| Assets per employee ($millions) | 6.6831% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 5,558 |
| Loan loss allowance to noncurrent loans | 22.2297% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 4.0048% | 1,025 |
| Noncurrent loans to loans | 4.7592% | 967 |
| Net loans and leases to total assets | 74.4372% | 3,004 |
| Net loans and leases to deposits | 95.7174% | 2,486 |
| Net loans and leases to core deposits | 173.5943% | 351 |
| Total domestic deposits to total assets | 77.7677% | 5,784 |
| Equity capital to assets | 8.0550% | 6,771 |
| Core capital (leverage) ratio | 6.9387% | 7,733 |
| Tier 1 risk-based capital ratio | 9.1610% | 7,656 |
| Total risk-based capital ratio | 10.2299% | 7,794 |
| Memoranda: | ||
| Average total assets | $194,059,400 | 3,210 |
| Average earning assets | $177,387,600 | 3,219 |
| Average equity | $16,185,400 | 3,889 |
| Average total loans | $137,690,000 | 3,131 |