Home > Hastings State Bank > Performance and Condition Ratios
Hastings State Bank, Performance and Condition Ratios
| 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 | 4.0947% | 5,210 |
| Cost of funding earning assets | 0.6831% | 3,914 |
| Net interest margin | 3.4115% | 4,996 |
| Noninterest income to average assets | 0.5668% | 3,493 |
| Noninterest expense to average assets | 3.4797% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2284% | 5,845 |
| Return on assets (ROA) | 0.6235% | 4,531 |
| Pretax return on assets | 0.6418% | 5,045 |
| Return on Equity (ROE) | 8.0255% | 3,277 |
| Retained earnings to average equity (ytd only) | 8.0255% | 1,608 |
| Net charge-offs to loans | -0.0529% | 6,725 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6886% | 797 |
| Assets per employee ($millions) | 3.0983% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4222% | 227 |
| Loan loss allowance to noncurrent loans | 540.5310% | 710 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 3,855 |
| Noncurrent loans to loans | 0.8181% | 4,778 |
| Net loans and leases to total assets | 48.4185% | 5,500 |
| Net loans and leases to deposits | 60.4157% | 5,156 |
| Net loans and leases to core deposits | 72.2087% | 4,223 |
| Total domestic deposits to total assets | 80.1422% | 5,613 |
| Equity capital to assets | 8.1996% | 6,487 |
| Core capital (leverage) ratio | 8.4409% | 5,833 |
| Tier 1 risk-based capital ratio | 14.2960% | 4,335 |
| Total risk-based capital ratio | 15.5770% | 4,280 |
| Memoranda: | ||
| Average total assets | $138,781,000 | 4,009 |
| Average earning assets | $128,033,750 | 3,978 |
| Average equity | $10,782,000 | 4,853 |
| Average total loans | $70,618,000 | 4,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 5,012 |
| Cost of funding earning assets | 0.7050% | 3,974 |
| Net interest margin | 3.4785% | 4,769 |
| Noninterest income to average assets | 0.6160% | 3,163 |
| Noninterest expense to average assets | 3.5430% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2635% | 5,724 |
| Return on assets (ROA) | 0.7708% | 3,784 |
| Pretax return on assets | 0.7980% | 4,481 |
| Return on Equity (ROE) | 10.1033% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.1033% | 949 |
| Net charge-offs to loans | -0.3149% | 7,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7955% | 876 |
| Assets per employee ($millions) | 3.2442% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4445% | 241 |
| Loan loss allowance to noncurrent loans | 369.1765% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.3190% | 3,794 |
| Noncurrent loans to loans | 1.2039% | 4,146 |
| Net loans and leases to total assets | 48.3624% | 5,581 |
| Net loans and leases to deposits | 61.1476% | 5,109 |
| Net loans and leases to core deposits | 72.7514% | 4,203 |
| Total domestic deposits to total assets | 79.0912% | 5,946 |
| Equity capital to assets | 7.9297% | 6,615 |
| Core capital (leverage) ratio | 8.0912% | 6,172 |
| Tier 1 risk-based capital ratio | 14.1242% | 4,357 |
| Total risk-based capital ratio | 15.4071% | 4,303 |
| Memoranda: | ||
| Average total assets | $139,600,000 | 4,021 |
| Average earning assets | $128,503,330 | 3,987 |
| Average equity | $10,650,000 | 4,883 |
| Average total loans | $71,137,330 | 4,386 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 4,992 |
| Cost of funding earning assets | 0.7300% | 4,025 |
| Net interest margin | 3.5010% | 4,694 |
| Noninterest income to average assets | 0.7877% | 2,224 |
| Noninterest expense to average assets | 3.3283% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6617% | 4,074 |
| Return on assets (ROA) | 0.6617% | 4,285 |
| Pretax return on assets | 0.6874% | 4,832 |
| Return on Equity (ROE) | 8.8472% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.8472% | 1,643 |
| Net charge-offs to loans | -0.4762% | 7,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8816% | 1,816 |
| Assets per employee ($millions) | 2.9555% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4198% | 262 |
| Loan loss allowance to noncurrent loans | 281.7935% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 3,653 |
| Noncurrent loans to loans | 1.5684% | 3,758 |
| Net loans and leases to total assets | 47.4233% | 5,629 |
| Net loans and leases to deposits | 61.5087% | 4,984 |
| Net loans and leases to core deposits | 72.7468% | 4,050 |
| Total domestic deposits to total assets | 77.1001% | 6,389 |
| Equity capital to assets | 7.4811% | 6,786 |
| Core capital (leverage) ratio | 7.8760% | 6,352 |
| Tier 1 risk-based capital ratio | 13.5777% | 4,771 |
| Total risk-based capital ratio | 14.8599% | 4,730 |
| Memoranda: | ||
| Average total assets | $139,649,500 | 4,040 |
| Average earning assets | $128,764,500 | 4,010 |
| Average equity | $10,444,000 | 4,930 |
| Average total loans | $71,404,000 | 4,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 4,596 |
| Cost of funding earning assets | 1.1148% | 2,575 |
| Net interest margin | 3.5034% | 5,134 |
| Noninterest income to average assets | 0.1784% | 6,214 |
| Noninterest expense to average assets | 3.7201% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3116% | 6,354 |
| Return on assets (ROA) | 0.1621% | 5,837 |
| Pretax return on assets | 0.1685% | 5,857 |
| Return on Equity (ROE) | 2.3906% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.3906% | 4,524 |
| Net charge-offs to loans | -0.7952% | 7,301 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5723% | 442 |
| Assets per employee ($millions) | 2.9877% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1784% | 330 |
| Loan loss allowance to noncurrent loans | 326.7819% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 1.5062% | 3,692 |
| Noncurrent loans to loans | 1.2787% | 4,235 |
| Net loans and leases to total assets | 50.4926% | 5,528 |
| Net loans and leases to deposits | 62.0803% | 5,230 |
| Net loans and leases to core deposits | 69.2610% | 4,876 |
| Total domestic deposits to total assets | 81.3343% | 5,350 |
| Equity capital to assets | 7.4763% | 6,818 |
| Core capital (leverage) ratio | 7.8734% | 6,380 |
| Tier 1 risk-based capital ratio | 13.0367% | 5,040 |
| Total risk-based capital ratio | 14.3168% | 4,988 |
| Memoranda: | ||
| Average total assets | $141,851,000 | 3,941 |
| Average earning assets | $130,244,000 | 3,927 |
| Average equity | $9,621,200 | 5,112 |
| Average total loans | $76,706,400 | 4,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 4,622 |
| Cost of funding earning assets | 1.1821% | 2,433 |
| Net interest margin | 3.4804% | 5,267 |
| Noninterest income to average assets | 0.1119% | 6,699 |
| Noninterest expense to average assets | 3.7661% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4523% | 6,612 |
| Return on assets (ROA) | 0.1184% | 6,034 |
| Pretax return on assets | 0.1184% | 6,062 |
| Return on Equity (ROE) | 1.7904% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.7904% | 5,241 |
| Net charge-offs to loans | -0.1988% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6504% | 380 |
| Assets per employee ($millions) | 2.9632% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1423% | 768 |
| Loan loss allowance to noncurrent loans | 84.7106% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 3.1285% | 2,044 |
| Noncurrent loans to loans | 3.7094% | 1,835 |
| Net loans and leases to total assets | 56.0398% | 4,834 |
| Net loans and leases to deposits | 70.5112% | 4,214 |
| Net loans and leases to core deposits | 79.3731% | 3,728 |
| Total domestic deposits to total assets | 79.4764% | 5,876 |
| Equity capital to assets | 7.5465% | 6,918 |
| Core capital (leverage) ratio | 7.7158% | 6,625 |
| Tier 1 risk-based capital ratio | 12.1105% | 5,810 |
| Total risk-based capital ratio | 13.3797% | 5,787 |
| Memoranda: | ||
| Average total assets | $142,955,250 | 3,947 |
| Average earning assets | $131,515,500 | 3,925 |
| Average equity | $9,457,750 | 5,187 |
| Average total loans | $77,778,000 | 4,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 4,498 |
| Cost of funding earning assets | 1.2327% | 2,363 |
| Net interest margin | 3.4763% | 5,266 |
| Noninterest income to average assets | 0.3745% | 4,883 |
| Noninterest expense to average assets | 4.1100% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.5396% | 6,719 |
| Return on assets (ROA) | -0.2691% | 6,563 |
| Pretax return on assets | -0.2691% | 6,508 |
| Return on Equity (ROE) | -4.2605% | 6,662 |
| Retained earnings to average equity (ytd only) | -4.2605% | 6,500 |
| Net charge-offs to loans | -0.2655% | 7,337 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1127% | 398 |
| Assets per employee ($millions) | 2.8448% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2903% | 709 |
| Loan loss allowance to noncurrent loans | 138.0482% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 2.2799% | 2,879 |
| Noncurrent loans to loans | 2.3835% | 3,005 |
| Net loans and leases to total assets | 52.0311% | 5,558 |
| Net loans and leases to deposits | 65.6568% | 5,051 |
| Net loans and leases to core deposits | 72.9404% | 4,712 |
| Total domestic deposits to total assets | 79.2470% | 6,024 |
| Equity capital to assets | 7.0262% | 7,095 |
| Core capital (leverage) ratio | 7.3108% | 6,858 |
| Tier 1 risk-based capital ratio | 12.1220% | 5,693 |
| Total risk-based capital ratio | 13.3931% | 5,647 |
| Memoranda: | ||
| Average total assets | $144,184,000 | 3,951 |
| Average earning assets | $132,556,330 | 3,934 |
| Average equity | $9,107,000 | 5,295 |
| Average total loans | $76,844,670 | 4,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 3,616 |
| Cost of funding earning assets | 1.2693% | 2,363 |
| Net interest margin | 3.6248% | 4,458 |
| Noninterest income to average assets | 0.3445% | 5,161 |
| Noninterest expense to average assets | 3.6347% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0386% | 6,261 |
| Return on assets (ROA) | 0.1405% | 6,027 |
| Pretax return on assets | 0.1405% | 6,076 |
| Return on Equity (ROE) | 2.3547% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.3547% | 4,734 |
| Net charge-offs to loans | -0.5350% | 7,419 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9497% | 792 |
| Assets per employee ($millions) | 2.7566% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3798% | 670 |
| Loan loss allowance to noncurrent loans | 1,090.4762% | 361 |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 4,128 |
| Noncurrent loans to loans | 0.3099% | 6,367 |
| Net loans and leases to total assets | 50.2372% | 5,820 |
| Net loans and leases to deposits | 60.9357% | 5,626 |
| Net loans and leases to core deposits | 67.4024% | 5,369 |
| Total domestic deposits to total assets | 82.4429% | 5,129 |
| Equity capital to assets | 6.2026% | 7,264 |
| Core capital (leverage) ratio | 7.3041% | 6,853 |
| Tier 1 risk-based capital ratio | 12.6685% | 5,100 |
| Total risk-based capital ratio | 13.9404% | 5,051 |
| Memoranda: | ||
| Average total assets | $145,156,000 | 3,974 |
| Average earning assets | $133,304,000 | 3,947 |
| Average equity | $8,663,500 | 5,417 |
| Average total loans | $77,003,500 | 4,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3531% | 2,881 |
| Cost of funding earning assets | 1.4887% | 2,710 |
| Net interest margin | 3.8644% | 3,667 |
| Noninterest income to average assets | 0.3666% | 5,174 |
| Noninterest expense to average assets | 4.1289% | 985 |
| Loan and lease loss provision to assets | 1.0902% | 1,468 |
| Net operating income to assets | -1.2732% | 6,819 |
| Return on assets (ROA) | -1.6744% | 6,986 |
| Pretax return on assets | -1.6744% | 6,920 |
| Return on Equity (ROE) | -26.1213% | 7,158 |
| Retained earnings to average equity (ytd only) | -26.1213% | 7,141 |
| Net charge-offs to loans | 1.2089% | 1,855 |
| Credit loss provision to net charge-offs | 141.2343% | 2,664 |
| Earnings coverage of net charge-offs (x) | -0.2370% | 6,309 |
| Efficiency ratio | 104.6369% | 655 |
| Assets per employee ($millions) | 2.9394% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0399% | 841 |
| Loan loss allowance to noncurrent loans | 678.6517% | 500 |
| Noncurrent assets plus other real estate owned to assets | 1.3792% | 4,278 |
| Noncurrent loans to loans | 0.4479% | 6,145 |
| Net loans and leases to total assets | 52.4332% | 5,856 |
| Net loans and leases to deposits | 64.6742% | 5,550 |
| Net loans and leases to core deposits | 71.9824% | 5,216 |
| Total domestic deposits to total assets | 81.0728% | 5,503 |
| Equity capital to assets | 5.7400% | 7,374 |
| Core capital (leverage) ratio | 7.2687% | 6,864 |
| Tier 1 risk-based capital ratio | 12.0362% | 5,439 |
| Total risk-based capital ratio | 13.2980% | 5,413 |
| Memoranda: | ||
| Average total assets | $144,831,800 | 3,970 |
| Average earning assets | $134,146,600 | 3,926 |
| Average equity | $9,283,600 | 5,332 |
| Average total loans | $92,477,200 | 3,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 2,375 |
| Cost of funding earning assets | 1.5335% | 2,753 |
| Net interest margin | 3.9815% | 3,180 |
| Noninterest income to average assets | 0.3899% | 5,038 |
| Noninterest expense to average assets | 3.9963% | 1,047 |
| Loan and lease loss provision to assets | 1.4590% | 923 |
| Net operating income to assets | -1.3684% | 7,059 |
| Return on assets (ROA) | -1.9302% | 7,236 |
| Pretax return on assets | -1.9302% | 7,181 |
| Return on Equity (ROE) | -29.3324% | 7,376 |
| Retained earnings to average equity (ytd only) | -29.3324% | 7,366 |
| Net charge-offs to loans | 1.4137% | 1,438 |
| Credit loss provision to net charge-offs | 155.5665% | 2,465 |
| Earnings coverage of net charge-offs (x) | 0.0965% | 5,928 |
| Efficiency ratio | 97.7843% | 825 |
| Assets per employee ($millions) | 2.8360% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8093% | 994 |
| Loan loss allowance to noncurrent loans | 205.6327% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 4,664 |
| Noncurrent loans to loans | 1.3662% | 4,576 |
| Net loans and leases to total assets | 61.4582% | 4,639 |
| Net loans and leases to deposits | 75.4445% | 4,274 |
| Net loans and leases to core deposits | 81.5124% | 4,313 |
| Total domestic deposits to total assets | 81.4615% | 5,213 |
| Equity capital to assets | 7.2023% | 7,263 |
| Core capital (leverage) ratio | 7.6497% | 6,722 |
| Tier 1 risk-based capital ratio | 10.9524% | 6,419 |
| Total risk-based capital ratio | 12.2192% | 6,386 |
| Memoranda: | ||
| Average total assets | $144,297,750 | 4,031 |
| Average earning assets | $133,982,000 | 3,989 |
| Average equity | $9,495,500 | 5,341 |
| Average total loans | $95,727,500 | 3,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6208% | 2,064 |
| Cost of funding earning assets | 1.5633% | 2,880 |
| Net interest margin | 4.0575% | 2,761 |
| Noninterest income to average assets | 0.4107% | 4,825 |
| Noninterest expense to average assets | 4.0088% | 1,036 |
| Loan and lease loss provision to assets | 1.6440% | 786 |
| Net operating income to assets | -1.4759% | 7,144 |
| Return on assets (ROA) | -2.0313% | 7,323 |
| Pretax return on assets | -2.0313% | 7,249 |
| Return on Equity (ROE) | -31.8485% | 7,453 |
| Retained earnings to average equity (ytd only) | -31.8485% | 7,442 |
| Net charge-offs to loans | 1.7535% | 1,068 |
| Credit loss provision to net charge-offs | 139.2065% | 2,882 |
| Earnings coverage of net charge-offs (x) | 0.1424% | 5,578 |
| Efficiency ratio | 95.9749% | 968 |
| Assets per employee ($millions) | 2.7865% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4879% | 1,317 |
| Loan loss allowance to noncurrent loans | 96.1797% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 3,473 |
| Noncurrent loans to loans | 2.5867% | 3,050 |
| Net loans and leases to total assets | 63.1881% | 4,422 |
| Net loans and leases to deposits | 77.6802% | 4,045 |
| Net loans and leases to core deposits | 85.3501% | 3,926 |
| Total domestic deposits to total assets | 81.3439% | 5,276 |
| Equity capital to assets | 6.6111% | 7,456 |
| Core capital (leverage) ratio | 7.3186% | 6,980 |
| Tier 1 risk-based capital ratio | 9.6166% | 7,215 |
| Total risk-based capital ratio | 10.8485% | 7,223 |
| Memoranda: | ||
| Average total assets | $145,129,670 | 4,045 |
| Average earning assets | $134,713,670 | 4,010 |
| Average equity | $9,256,330 | 5,431 |
| Average total loans | $97,747,330 | 3,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 1,913 |
| Cost of funding earning assets | 1.5604% | 3,206 |
| Net interest margin | 4.1024% | 2,427 |
| Noninterest income to average assets | 0.3737% | 5,149 |
| Noninterest expense to average assets | 3.7643% | 1,385 |
| Loan and lease loss provision to assets | 2.3350% | 457 |
| Net operating income to assets | -1.9176% | 7,445 |
| Return on assets (ROA) | -3.2488% | 7,657 |
| Pretax return on assets | -3.2488% | 7,621 |
| Return on Equity (ROE) | -51.8559% | 7,714 |
| Retained earnings to average equity (ytd only) | -51.8559% | 7,704 |
| Net charge-offs to loans | -0.1074% | 7,531 |
| Credit loss provision to net charge-offs | -3,170.3704% | 6,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0196% | 1,437 |
| Assets per employee ($millions) | 2.7777% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8955% | 906 |
| Loan loss allowance to noncurrent loans | 59.9620% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 3.5420% | 1,979 |
| Noncurrent loans to loans | 4.8289% | 1,520 |
| Net loans and leases to total assets | 65.8938% | 3,879 |
| Net loans and leases to deposits | 80.8737% | 3,483 |
| Net loans and leases to core deposits | 88.9197% | 3,510 |
| Total domestic deposits to total assets | 81.4774% | 5,278 |
| Equity capital to assets | 6.2192% | 7,586 |
| Core capital (leverage) ratio | 7.3028% | 7,027 |
| Tier 1 risk-based capital ratio | 9.4686% | 7,317 |
| Total risk-based capital ratio | 10.7346% | 7,307 |
| Memoranda: | ||
| Average total assets | $146,640,000 | 4,077 |
| Average earning assets | $136,117,000 | 4,036 |
| Average equity | $9,187,000 | 5,485 |
| Average total loans | $100,577,500 | 3,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 2,349 |
| Cost of funding earning assets | 2.3940% | 1,316 |
| Net interest margin | 3.4815% | 5,031 |
| Noninterest income to average assets | 0.3575% | 5,536 |
| Noninterest expense to average assets | 3.7124% | 1,887 |
| Loan and lease loss provision to assets | 1.1313% | 2,016 |
| Net operating income to assets | -1.2637% | 6,744 |
| Return on assets (ROA) | -1.0040% | 6,582 |
| Pretax return on assets | -1.0040% | 6,412 |
| Return on Equity (ROE) | -16.7904% | 7,024 |
| Retained earnings to average equity (ytd only) | -16.7904% | 6,978 |
| Net charge-offs to loans | 1.3496% | 1,847 |
| Credit loss provision to net charge-offs | 119.2049% | 4,504 |
| Earnings coverage of net charge-offs (x) | -0.1395% | 6,375 |
| Efficiency ratio | 103.6977% | 962 |
| Assets per employee ($millions) | 3.0376% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,164 |
| Loan loss allowance to noncurrent loans | 42.8694% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.3949% | 1,997 |
| Noncurrent loans to loans | 4.5278% | 1,568 |
| Net loans and leases to total assets | 67.9508% | 3,710 |
| Net loans and leases to deposits | 85.0306% | 3,077 |
| Net loans and leases to core deposits | 103.2041% | 3,664 |
| Total domestic deposits to total assets | 79.9133% | 5,694 |
| Equity capital to assets | 6.3095% | 7,613 |
| Core capital (leverage) ratio | 7.6725% | 6,581 |
| Tier 1 risk-based capital ratio | 9.5934% | 7,167 |
| Total risk-based capital ratio | 10.8480% | 7,146 |
| Memoranda: | ||
| Average total assets | $156,369,400 | 3,849 |
| Average earning assets | $144,738,200 | 3,799 |
| Average equity | $9,350,600 | 5,487 |
| Average total loans | $109,955,200 | 3,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,476 |
| Cost of funding earning assets | 2.5057% | 1,280 |
| Net interest margin | 3.3885% | 5,319 |
| Noninterest income to average assets | 0.3606% | 5,612 |
| Noninterest expense to average assets | 3.4788% | 2,334 |
| Loan and lease loss provision to assets | 1.0211% | 1,880 |
| Net operating income to assets | -1.0026% | 6,833 |
| Return on assets (ROA) | -0.8855% | 6,757 |
| Pretax return on assets | -0.8855% | 6,602 |
| Return on Equity (ROE) | -15.0024% | 7,189 |
| Retained earnings to average equity (ytd only) | -15.0024% | 7,133 |
| Net charge-offs to loans | 1.7517% | 1,153 |
| Credit loss provision to net charge-offs | 82.6176% | 5,691 |
| Earnings coverage of net charge-offs (x) | 0.0150% | 6,045 |
| Efficiency ratio | 99.4700% | 1,084 |
| Assets per employee ($millions) | 3.0914% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,482 |
| Loan loss allowance to noncurrent loans | 34.0634% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 3.1978% | 2,120 |
| Noncurrent loans to loans | 3.8263% | 1,941 |
| Net loans and leases to total assets | 73.0863% | 2,766 |
| Net loans and leases to deposits | 88.3234% | 2,900 |
| Net loans and leases to core deposits | 110.5520% | 3,178 |
| Total domestic deposits to total assets | 82.7485% | 4,341 |
| Equity capital to assets | 6.2670% | 7,813 |
| Core capital (leverage) ratio | 7.1344% | 7,328 |
| Tier 1 risk-based capital ratio | 9.0385% | 7,608 |
| Total risk-based capital ratio | 10.1951% | 7,663 |
| Memoranda: | ||
| Average total assets | $158,251,750 | 3,823 |
| Average earning assets | $146,491,250 | 3,786 |
| Average equity | $9,340,500 | 5,542 |
| Average total loans | $111,659,000 | 3,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 3,047 |
| Cost of funding earning assets | 2.5735% | 1,363 |
| Net interest margin | 3.2253% | 5,826 |
| Noninterest income to average assets | 0.3589% | 5,641 |
| Noninterest expense to average assets | 3.5337% | 2,234 |
| Loan and lease loss provision to assets | 1.2361% | 1,390 |
| Net operating income to assets | -1.4392% | 7,214 |
| Return on assets (ROA) | -1.4292% | 7,218 |
| Pretax return on assets | -1.4292% | 7,057 |
| Return on Equity (ROE) | -24.6941% | 7,621 |
| Retained earnings to average equity (ytd only) | -24.6941% | 7,587 |
| Net charge-offs to loans | 1.7724% | 1,070 |
| Credit loss provision to net charge-offs | 100.4049% | 4,546 |
| Earnings coverage of net charge-offs (x) | -0.1650% | 5,856 |
| Efficiency ratio | 106.0980% | 967 |
| Assets per employee ($millions) | 3.2526% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,977 |
| Loan loss allowance to noncurrent loans | 33.6198% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.5682% | 1,746 |
| Noncurrent loans to loans | 4.5898% | 1,391 |
| Net loans and leases to total assets | 68.8991% | 3,972 |
| Net loans and leases to deposits | 83.7337% | 3,935 |
| Net loans and leases to core deposits | 105.2001% | 3,936 |
| Total domestic deposits to total assets | 82.2836% | 4,574 |
| Equity capital to assets | 5.8051% | 7,960 |
| Core capital (leverage) ratio | 6.9998% | 7,542 |
| Tier 1 risk-based capital ratio | 9.3676% | 7,497 |
| Total risk-based capital ratio | 10.6135% | 7,479 |
| Memoranda: | ||
| Average total assets | $160,510,000 | 3,820 |
| Average earning assets | $147,891,330 | 3,781 |
| Average equity | $9,289,670 | 5,585 |
| Average total loans | $111,488,330 | 3,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8955% | 2,822 |
| Cost of funding earning assets | 2.6070% | 1,545 |
| Net interest margin | 3.2885% | 5,531 |
| Noninterest income to average assets | 0.3626% | 5,539 |
| Noninterest expense to average assets | 3.1662% | 3,129 |
| Loan and lease loss provision to assets | 0.5463% | 2,287 |
| Net operating income to assets | -0.3303% | 6,721 |
| Return on assets (ROA) | -0.3303% | 6,792 |
| Pretax return on assets | -0.3303% | 6,698 |
| Return on Equity (ROE) | -5.7152% | 7,037 |
| Retained earnings to average equity (ytd only) | -5.7152% | 6,647 |
| Net charge-offs to loans | 1.6866% | 855 |
| Credit loss provision to net charge-offs | 46.8085% | 4,730 |
| Earnings coverage of net charge-offs (x) | 0.1851% | 4,834 |
| Efficiency ratio | 93.6123% | 1,456 |
| Assets per employee ($millions) | 3.2734% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 3,958 |
| Loan loss allowance to noncurrent loans | 48.4959% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.9682% | 2,954 |
| Noncurrent loans to loans | 2.7229% | 2,410 |
| Net loans and leases to total assets | 68.3471% | 4,058 |
| Net loans and leases to deposits | 82.5761% | 4,197 |
| Net loans and leases to core deposits | 103.9010% | 4,148 |
| Total domestic deposits to total assets | 82.7686% | 4,261 |
| Equity capital to assets | 5.9047% | 8,014 |
| Core capital (leverage) ratio | 7.0009% | 7,634 |
| Tier 1 risk-based capital ratio | 9.4467% | 7,472 |
| Total risk-based capital ratio | 10.6854% | 7,435 |
| Memoranda: | ||
| Average total assets | $161,076,000 | 3,814 |
| Average earning assets | $147,910,500 | 3,792 |
| Average equity | $9,308,500 | 5,604 |
| Average total loans | $111,467,000 | 3,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5864% | 2,549 |
| Cost of funding earning assets | 3.0929% | 1,523 |
| Net interest margin | 3.4935% | 5,316 |
| Noninterest income to average assets | 0.3701% | 5,739 |
| Noninterest expense to average assets | 2.8229% | 4,724 |
| Loan and lease loss provision to assets | 1.2258% | 1,170 |
| Net operating income to assets | -0.4561% | 6,888 |
| Return on assets (ROA) | -0.4134% | 6,714 |
| Pretax return on assets | -0.4134% | 6,558 |
| Return on Equity (ROE) | -8.0909% | 7,132 |
| Retained earnings to average equity (ytd only) | -9.5748% | 7,037 |
| Net charge-offs to loans | 2.3903% | 421 |
| Credit loss provision to net charge-offs | 68.0816% | 6,106 |
| Earnings coverage of net charge-offs (x) | 0.4275% | 5,979 |
| Efficiency ratio | 78.5762% | 2,829 |
| Assets per employee ($millions) | 3.3699% | 5,038 |
| Cash dividends to net income (ytd only)* | -18.3406% | 7,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 2,526 |
| Loan loss allowance to noncurrent loans | 76.8921% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 3,366 |
| Noncurrent loans to loans | 1.9966% | 2,769 |
| Net loans and leases to total assets | 68.0803% | 4,455 |
| Net loans and leases to deposits | 86.0093% | 4,117 |
| Net loans and leases to core deposits | 107.1945% | 4,060 |
| Total domestic deposits to total assets | 79.1546% | 5,317 |
| Equity capital to assets | 5.6543% | 8,113 |
| Core capital (leverage) ratio | 7.0074% | 7,689 |
| Tier 1 risk-based capital ratio | 9.8303% | 6,918 |
| Total risk-based capital ratio | 11.0825% | 6,806 |
| Memoranda: | ||
| Average total assets | $166,176,000 | 3,610 |
| Average earning assets | $153,286,000 | 3,594 |
| Average equity | $8,491,000 | 5,908 |
| Average total loans | $125,170,200 | 3,344 |