Home > Heartland Bank > Performance and Condition Ratios
Heartland Bank, Performance and Condition Ratios
| 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 | 3.4323% | 6,697 |
| Cost of funding earning assets | 1.1086% | 1,185 |
| Net interest margin | 2.3237% | 6,997 |
| Noninterest income to average assets | -1.1474% | 7,226 |
| Noninterest expense to average assets | 3.3326% | 2,210 |
| Loan and lease loss provision to assets | 0.3289% | 2,001 |
| Net operating income to assets | -2.6949% | 7,134 |
| Return on assets (ROA) | -2.6949% | 7,143 |
| Pretax return on assets | -2.6949% | 7,132 |
| Return on Equity (ROE) | -161.2612% | 7,225 |
| Retained earnings to average equity (ytd only) | -161.2612% | 7,225 |
| Net charge-offs to loans | 3.9088% | 114 |
| Credit loss provision to net charge-offs | 13.3432% | 4,698 |
| Earnings coverage of net charge-offs (x) | -0.9600% | 5,302 |
| Efficiency ratio | 344.8015% | 14 |
| Assets per employee ($millions) | 6.8573% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8328% | 188 |
| Loan loss allowance to noncurrent loans | 97.6795% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 6.3509% | 653 |
| Noncurrent loans to loans | 4.9476% | 1,008 |
| Net loans and leases to total assets | 63.8945% | 3,057 |
| Net loans and leases to deposits | 68.3660% | 4,140 |
| Net loans and leases to core deposits | 69.3813% | 4,614 |
| Total domestic deposits to total assets | 93.4595% | 98 |
| Equity capital to assets | 1.0114% | 7,234 |
| Core capital (leverage) ratio | 0.9883% | 7,236 |
| Tier 1 risk-based capital ratio | 1.4713% | 7,236 |
| Total risk-based capital ratio | 2.9426% | 7,236 |
| Memoranda: | ||
| Average total assets | $109,465,000 | 4,682 |
| Average earning assets | $99,582,330 | 4,677 |
| Average equity | $1,829,330 | 7,119 |
| Average total loans | $69,024,330 | 4,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3176% | 6,886 |
| Cost of funding earning assets | 1.1172% | 1,310 |
| Net interest margin | 2.2004% | 7,092 |
| Noninterest income to average assets | 0.1584% | 6,438 |
| Noninterest expense to average assets | 3.4562% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.2909% | 7,050 |
| Return on assets (ROA) | -1.2909% | 7,065 |
| Pretax return on assets | -1.2909% | 7,039 |
| Return on Equity (ROE) | -66.4158% | 7,248 |
| Retained earnings to average equity (ytd only) | -66.4158% | 7,239 |
| Net charge-offs to loans | -0.0898% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.6184% | 81 |
| Assets per employee ($millions) | 7.8571% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2238% | 70 |
| Loan loss allowance to noncurrent loans | 105.0574% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 7.0282% | 609 |
| Noncurrent loans to loans | 5.9242% | 851 |
| Net loans and leases to total assets | 58.9000% | 3,880 |
| Net loans and leases to deposits | 63.1666% | 4,748 |
| Net loans and leases to core deposits | 63.9838% | 5,116 |
| Total domestic deposits to total assets | 93.2455% | 125 |
| Equity capital to assets | 1.8827% | 7,288 |
| Core capital (leverage) ratio | 1.9485% | 7,286 |
| Tier 1 risk-based capital ratio | 2.8907% | 7,279 |
| Total risk-based capital ratio | 4.7582% | 7,263 |
| Memoranda: | ||
| Average total assets | $116,196,500 | 4,536 |
| Average earning assets | $105,980,500 | 4,546 |
| Average equity | $2,258,500 | 7,111 |
| Average total loans | $71,309,000 | 4,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 6,790 |
| Cost of funding earning assets | 1.2723% | 1,606 |
| Net interest margin | 2.4785% | 7,067 |
| Noninterest income to average assets | -0.4892% | 7,262 |
| Noninterest expense to average assets | 2.8183% | 4,278 |
| Loan and lease loss provision to assets | 1.7194% | 392 |
| Net operating income to assets | -2.7657% | 7,149 |
| Return on assets (ROA) | -2.7649% | 7,157 |
| Pretax return on assets | -2.7649% | 7,160 |
| Return on Equity (ROE) | -83.9473% | 7,292 |
| Retained earnings to average equity (ytd only) | -83.9473% | 7,292 |
| Net charge-offs to loans | 3.2739% | 258 |
| Credit loss provision to net charge-offs | 77.2838% | 4,586 |
| Earnings coverage of net charge-offs (x) | -0.4703% | 6,069 |
| Efficiency ratio | 159.0493% | 115 |
| Assets per employee ($millions) | 6.7996% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8264% | 102 |
| Loan loss allowance to noncurrent loans | 168.3962% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 5.1326% | 1,028 |
| Noncurrent loans to loans | 3.4599% | 1,857 |
| Net loans and leases to total assets | 56.5751% | 4,610 |
| Net loans and leases to deposits | 60.4039% | 5,444 |
| Net loans and leases to core deposits | 61.7572% | 5,682 |
| Total domestic deposits to total assets | 93.6614% | 108 |
| Equity capital to assets | 1.9985% | 7,325 |
| Core capital (leverage) ratio | 2.0550% | 7,321 |
| Tier 1 risk-based capital ratio | 3.1702% | 7,310 |
| Total risk-based capital ratio | 4.9911% | 7,293 |
| Memoranda: | ||
| Average total assets | $129,406,200 | 4,182 |
| Average earning assets | $118,054,000 | 4,181 |
| Average equity | $4,262,200 | 6,671 |
| Average total loans | $87,939,000 | 3,908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 6,789 |
| Cost of funding earning assets | 1.3026% | 1,686 |
| Net interest margin | 2.5428% | 7,112 |
| Noninterest income to average assets | -0.7228% | 7,384 |
| Noninterest expense to average assets | 2.9175% | 3,851 |
| Loan and lease loss provision to assets | 2.2618% | 218 |
| Net operating income to assets | -3.5844% | 7,306 |
| Return on assets (ROA) | -3.5833% | 7,309 |
| Pretax return on assets | -3.5833% | 7,307 |
| Return on Equity (ROE) | -99.6529% | 7,380 |
| Retained earnings to average equity (ytd only) | -99.6529% | 7,380 |
| Net charge-offs to loans | 4.2093% | 142 |
| Credit loss provision to net charge-offs | 76.9896% | 4,240 |
| Earnings coverage of net charge-offs (x) | -0.4502% | 5,814 |
| Efficiency ratio | 182.9191% | 66 |
| Assets per employee ($millions) | 7.1668% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6042% | 128 |
| Loan loss allowance to noncurrent loans | 177.8194% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 5.0658% | 1,132 |
| Noncurrent loans to loans | 3.1516% | 2,203 |
| Net loans and leases to total assets | 55.7917% | 4,874 |
| Net loans and leases to deposits | 59.5020% | 5,689 |
| Net loans and leases to core deposits | 60.7675% | 5,926 |
| Total domestic deposits to total assets | 93.7645% | 97 |
| Equity capital to assets | 1.9372% | 7,409 |
| Core capital (leverage) ratio | 2.0070% | 7,404 |
| Tier 1 risk-based capital ratio | 3.0937% | 7,390 |
| Total risk-based capital ratio | 4.8888% | 7,374 |
| Memoranda: | ||
| Average total assets | $131,159,500 | 4,177 |
| Average earning assets | $119,550,750 | 4,164 |
| Average equity | $4,716,250 | 6,580 |
| Average total loans | $91,541,750 | 3,852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 6,660 |
| Cost of funding earning assets | 1.3396% | 1,701 |
| Net interest margin | 2.6592% | 7,068 |
| Noninterest income to average assets | 0.0910% | 6,873 |
| Noninterest expense to average assets | 3.0013% | 3,637 |
| Loan and lease loss provision to assets | 1.0995% | 744 |
| Net operating income to assets | -1.5893% | 7,121 |
| Return on assets (ROA) | -1.5878% | 7,132 |
| Pretax return on assets | -1.5878% | 7,094 |
| Return on Equity (ROE) | -38.3845% | 7,300 |
| Retained earnings to average equity (ytd only) | -38.3845% | 7,294 |
| Net charge-offs to loans | 3.2843% | 290 |
| Credit loss provision to net charge-offs | 45.6837% | 4,685 |
| Earnings coverage of net charge-offs (x) | -0.2035% | 5,407 |
| Efficiency ratio | 119.5048% | 349 |
| Assets per employee ($millions) | 6.4276% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4993% | 274 |
| Loan loss allowance to noncurrent loans | 75.1060% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 8.2146% | 549 |
| Noncurrent loans to loans | 5.9907% | 997 |
| Net loans and leases to total assets | 67.3001% | 2,760 |
| Net loans and leases to deposits | 73.2601% | 3,905 |
| Net loans and leases to core deposits | 74.5421% | 4,501 |
| Total domestic deposits to total assets | 91.8647% | 268 |
| Equity capital to assets | 3.8716% | 7,400 |
| Core capital (leverage) ratio | 4.0035% | 7,374 |
| Tier 1 risk-based capital ratio | 5.2472% | 7,394 |
| Total risk-based capital ratio | 7.3780% | 7,362 |
| Memoranda: | ||
| Average total assets | $131,878,330 | 4,186 |
| Average earning assets | $120,034,000 | 4,186 |
| Average equity | $5,455,330 | 6,386 |
| Average total loans | $96,640,330 | 3,781 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 6,720 |
| Cost of funding earning assets | 1.4518% | 1,375 |
| Net interest margin | 2.5357% | 7,170 |
| Noninterest income to average assets | -0.1318% | 7,395 |
| Noninterest expense to average assets | 3.1211% | 3,177 |
| Loan and lease loss provision to assets | 1.0484% | 719 |
| Net operating income to assets | -1.9889% | 7,280 |
| Return on assets (ROA) | -1.9889% | 7,278 |
| Pretax return on assets | -1.9889% | 7,251 |
| Return on Equity (ROE) | -46.6415% | 7,399 |
| Retained earnings to average equity (ytd only) | -46.6415% | 7,385 |
| Net charge-offs to loans | 6.3934% | 96 |
| Credit loss provision to net charge-offs | 21.9711% | 4,237 |
| Earnings coverage of net charge-offs (x) | -0.1971% | 4,695 |
| Efficiency ratio | 143.1319% | 199 |
| Assets per employee ($millions) | 5.9655% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8494% | 471 |
| Loan loss allowance to noncurrent loans | 68.0730% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 8.2443% | 562 |
| Noncurrent loans to loans | 5.6548% | 1,154 |
| Net loans and leases to total assets | 70.3235% | 2,068 |
| Net loans and leases to deposits | 76.6555% | 3,312 |
| Net loans and leases to core deposits | 77.7999% | 4,048 |
| Total domestic deposits to total assets | 91.7397% | 357 |
| Equity capital to assets | 4.0856% | 7,433 |
| Core capital (leverage) ratio | 4.1579% | 7,424 |
| Tier 1 risk-based capital ratio | 5.2564% | 7,447 |
| Total risk-based capital ratio | 7.3198% | 7,424 |
| Memoranda: | ||
| Average total assets | $133,542,000 | 4,183 |
| Average earning assets | $121,781,500 | 4,181 |
| Average equity | $5,694,500 | 6,338 |
| Average total loans | $99,665,000 | 3,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 6,599 |
| Cost of funding earning assets | 1.8847% | 897 |
| Net interest margin | 2.5242% | 7,256 |
| Noninterest income to average assets | 0.1098% | 6,849 |
| Noninterest expense to average assets | 2.9588% | 4,003 |
| Loan and lease loss provision to assets | 5.7276% | 47 |
| Net operating income to assets | -8.3943% | 7,622 |
| Return on assets (ROA) | -8.3943% | 7,623 |
| Pretax return on assets | -6.2753% | 7,593 |
| Return on Equity (ROE) | -100.8501% | 7,595 |
| Retained earnings to average equity (ytd only) | -100.8501% | 7,595 |
| Net charge-offs to loans | 6.7933% | 64 |
| Credit loss provision to net charge-offs | 114.1979% | 3,803 |
| Earnings coverage of net charge-offs (x) | -0.1092% | 6,226 |
| Efficiency ratio | 111.6911% | 511 |
| Assets per employee ($millions) | 5.9062% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7784% | 222 |
| Loan loss allowance to noncurrent loans | 51.5234% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 9.9336% | 417 |
| Noncurrent loans to loans | 9.2742% | 485 |
| Net loans and leases to total assets | 72.4393% | 2,001 |
| Net loans and leases to deposits | 81.0735% | 2,975 |
| Net loans and leases to core deposits | 88.2704% | 3,015 |
| Total domestic deposits to total assets | 89.3501% | 1,466 |
| Equity capital to assets | 4.4368% | 7,483 |
| Core capital (leverage) ratio | 4.1214% | 7,489 |
| Tier 1 risk-based capital ratio | 5.6651% | 7,496 |
| Total risk-based capital ratio | 7.7095% | 7,462 |
| Memoranda: | ||
| Average total assets | $155,737,000 | 3,778 |
| Average earning assets | $141,985,400 | 3,783 |
| Average equity | $12,962,800 | 4,369 |
| Average total loans | $114,981,000 | 3,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 6,637 |
| Cost of funding earning assets | 1.9331% | 926 |
| Net interest margin | 2.5537% | 7,341 |
| Noninterest income to average assets | 0.0796% | 7,134 |
| Noninterest expense to average assets | 2.5884% | 5,368 |
| Loan and lease loss provision to assets | 5.4258% | 68 |
| Net operating income to assets | -8.3469% | 7,731 |
| Return on assets (ROA) | -8.3469% | 7,732 |
| Pretax return on assets | -5.6099% | 7,678 |
| Return on Equity (ROE) | -91.2741% | 7,678 |
| Retained earnings to average equity (ytd only) | -91.2741% | 7,678 |
| Net charge-offs to loans | 4.8767% | 185 |
| Credit loss provision to net charge-offs | 151.6698% | 2,564 |
| Earnings coverage of net charge-offs (x) | -0.0515% | 6,070 |
| Efficiency ratio | 107.6605% | 564 |
| Assets per employee ($millions) | 6.9525% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5481% | 126 |
| Loan loss allowance to noncurrent loans | 64.9962% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 8.6489% | 547 |
| Noncurrent loans to loans | 8.5361% | 581 |
| Net loans and leases to total assets | 67.4148% | 3,349 |
| Net loans and leases to deposits | 76.1052% | 4,161 |
| Net loans and leases to core deposits | 82.6726% | 4,137 |
| Total domestic deposits to total assets | 88.5810% | 1,637 |
| Equity capital to assets | 5.9082% | 7,499 |
| Core capital (leverage) ratio | 5.5468% | 7,490 |
| Tier 1 risk-based capital ratio | 7.6984% | 7,504 |
| Total risk-based capital ratio | 9.7139% | 7,448 |
| Memoranda: | ||
| Average total assets | $160,710,750 | 3,743 |
| Average earning assets | $146,291,500 | 3,743 |
| Average equity | $14,696,750 | 4,054 |
| Average total loans | $117,891,000 | 3,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 7,133 |
| Cost of funding earning assets | 2.0025% | 910 |
| Net interest margin | 2.2339% | 7,566 |
| Noninterest income to average assets | 0.0637% | 7,267 |
| Noninterest expense to average assets | 2.5830% | 5,392 |
| Loan and lease loss provision to assets | 5.0706% | 101 |
| Net operating income to assets | -5.5678% | 7,719 |
| Return on assets (ROA) | -5.5678% | 7,723 |
| Pretax return on assets | -5.5678% | 7,706 |
| Return on Equity (ROE) | -54.8261% | 7,634 |
| Retained earnings to average equity (ytd only) | -54.8261% | 7,630 |
| Net charge-offs to loans | 5.9422% | 136 |
| Credit loss provision to net charge-offs | 115.3525% | 3,520 |
| Earnings coverage of net charge-offs (x) | -0.1131% | 5,812 |
| Efficiency ratio | 123.8403% | 365 |
| Assets per employee ($millions) | 6.3671% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8152% | 430 |
| Loan loss allowance to noncurrent loans | 46.0423% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 8.2363% | 583 |
| Noncurrent loans to loans | 8.2862% | 615 |
| Net loans and leases to total assets | 72.2625% | 2,333 |
| Net loans and leases to deposits | 85.1014% | 2,681 |
| Net loans and leases to core deposits | 94.2088% | 2,680 |
| Total domestic deposits to total assets | 84.9134% | 3,678 |
| Equity capital to assets | 9.5242% | 4,669 |
| Core capital (leverage) ratio | 7.2268% | 7,052 |
| Tier 1 risk-based capital ratio | 9.8736% | 7,095 |
| Total risk-based capital ratio | 12.2307% | 6,247 |
| Memoranda: | ||
| Average total assets | $163,295,670 | 3,718 |
| Average earning assets | $147,812,330 | 3,744 |
| Average equity | $16,583,330 | 3,706 |
| Average total loans | $120,797,330 | 3,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 7,240 |
| Cost of funding earning assets | 2.1633% | 663 |
| Net interest margin | 2.0529% | 7,707 |
| Noninterest income to average assets | -0.1566% | 7,780 |
| Noninterest expense to average assets | 2.5608% | 5,514 |
| Loan and lease loss provision to assets | 3.8923% | 228 |
| Net operating income to assets | -4.7562% | 7,769 |
| Return on assets (ROA) | -4.7562% | 7,778 |
| Pretax return on assets | -4.7562% | 7,746 |
| Return on Equity (ROE) | -45.5506% | 7,690 |
| Retained earnings to average equity (ytd only) | -45.5506% | 7,680 |
| Net charge-offs to loans | 7.6127% | 105 |
| Credit loss provision to net charge-offs | 69.6095% | 4,105 |
| Earnings coverage of net charge-offs (x) | -0.1545% | 5,138 |
| Efficiency ratio | 150.9091% | 209 |
| Assets per employee ($millions) | 5.8893% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5467% | 1,235 |
| Loan loss allowance to noncurrent loans | 24.5408% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 10.5918% | 357 |
| Noncurrent loans to loans | 10.3772% | 398 |
| Net loans and leases to total assets | 74.9173% | 1,759 |
| Net loans and leases to deposits | 89.2965% | 2,016 |
| Net loans and leases to core deposits | 98.5384% | 2,290 |
| Total domestic deposits to total assets | 83.8972% | 4,192 |
| Equity capital to assets | 10.7515% | 3,004 |
| Core capital (leverage) ratio | 8.0299% | 6,193 |
| Tier 1 risk-based capital ratio | 11.0857% | 6,079 |
| Total risk-based capital ratio | 13.3313% | 5,079 |
| Memoranda: | ||
| Average total assets | $168,538,000 | 3,684 |
| Average earning assets | $152,171,500 | 3,719 |
| Average equity | $17,598,000 | 3,552 |
| Average total loans | $123,793,500 | 3,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 7,577 |
| Cost of funding earning assets | 2.5759% | 837 |
| Net interest margin | 1.6816% | 7,837 |
| Noninterest income to average assets | 0.2939% | 6,014 |
| Noninterest expense to average assets | 2.8512% | 4,744 |
| Loan and lease loss provision to assets | 1.0922% | 2,089 |
| Net operating income to assets | -1.8528% | 7,029 |
| Return on assets (ROA) | -1.8528% | 7,032 |
| Pretax return on assets | -2.1267% | 6,989 |
| Return on Equity (ROE) | -19.7538% | 7,134 |
| Retained earnings to average equity (ytd only) | -19.7538% | 7,098 |
| Net charge-offs to loans | 3.7526% | 489 |
| Credit loss provision to net charge-offs | 38.7763% | 6,837 |
| Earnings coverage of net charge-offs (x) | -0.3673% | 6,600 |
| Efficiency ratio | 144.0888% | 353 |
| Assets per employee ($millions) | 6.3595% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0547% | 739 |
| Loan loss allowance to noncurrent loans | 32.5291% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 10.5186% | 334 |
| Noncurrent loans to loans | 9.3907% | 458 |
| Net loans and leases to total assets | 68.2438% | 3,646 |
| Net loans and leases to deposits | 83.0218% | 3,445 |
| Net loans and leases to core deposits | 126.3231% | 1,487 |
| Total domestic deposits to total assets | 82.1999% | 4,866 |
| Equity capital to assets | 10.1648% | 3,541 |
| Core capital (leverage) ratio | 8.0799% | 6,034 |
| Tier 1 risk-based capital ratio | 10.7266% | 6,178 |
| Total risk-based capital ratio | 12.8787% | 5,223 |
| Memoranda: | ||
| Average total assets | $190,903,600 | 3,277 |
| Average earning assets | $172,872,200 | 3,308 |
| Average equity | $17,905,400 | 3,517 |
| Average total loans | $143,286,600 | 3,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 7,683 |
| Cost of funding earning assets | 2.6425% | 926 |
| Net interest margin | 1.6307% | 7,921 |
| Noninterest income to average assets | 0.2905% | 6,156 |
| Noninterest expense to average assets | 2.9618% | 4,200 |
| Loan and lease loss provision to assets | 1.4321% | 1,339 |
| Net operating income to assets | -1.8504% | 7,257 |
| Return on assets (ROA) | -1.8504% | 7,255 |
| Pretax return on assets | -2.6245% | 7,393 |
| Return on Equity (ROE) | -20.1151% | 7,374 |
| Retained earnings to average equity (ytd only) | -20.1151% | 7,340 |
| Net charge-offs to loans | 3.6623% | 399 |
| Credit loss provision to net charge-offs | 51.3673% | 6,287 |
| Earnings coverage of net charge-offs (x) | -0.4277% | 6,447 |
| Efficiency ratio | 150.0776% | 322 |
| Assets per employee ($millions) | 6.5390% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7746% | 340 |
| Loan loss allowance to noncurrent loans | 37.1035% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 9.0423% | 428 |
| Noncurrent loans to loans | 10.1732% | 386 |
| Net loans and leases to total assets | 69.1932% | 3,675 |
| Net loans and leases to deposits | 83.5313% | 3,724 |
| Net loans and leases to core deposits | 121.4602% | 2,119 |
| Total domestic deposits to total assets | 82.8350% | 4,310 |
| Equity capital to assets | 9.9900% | 4,099 |
| Core capital (leverage) ratio | 8.0390% | 6,297 |
| Tier 1 risk-based capital ratio | 10.6590% | 6,287 |
| Total risk-based capital ratio | 12.8026% | 5,328 |
| Memoranda: | ||
| Average total assets | $194,113,000 | 3,266 |
| Average earning assets | $176,039,250 | 3,293 |
| Average equity | $17,856,750 | 3,553 |
| Average total loans | $147,771,250 | 2,985 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 7,806 |
| Cost of funding earning assets | 2.7386% | 938 |
| Net interest margin | 1.5005% | 8,018 |
| Noninterest income to average assets | 0.2730% | 6,318 |
| Noninterest expense to average assets | 3.1768% | 3,406 |
| Loan and lease loss provision to assets | 0.9662% | 1,748 |
| Net operating income to assets | -1.8905% | 7,397 |
| Return on assets (ROA) | -1.8905% | 7,389 |
| Pretax return on assets | -2.5132% | 7,424 |
| Return on Equity (ROE) | -21.1383% | 7,533 |
| Retained earnings to average equity (ytd only) | -21.1383% | 7,488 |
| Net charge-offs to loans | 5.3571% | 220 |
| Credit loss provision to net charge-offs | 23.2759% | 6,095 |
| Earnings coverage of net charge-offs (x) | -0.3727% | 6,009 |
| Efficiency ratio | 166.9385% | 299 |
| Assets per employee ($millions) | 6.8942% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7200% | 733 |
| Loan loss allowance to noncurrent loans | 29.1007% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 8.8770% | 387 |
| Noncurrent loans to loans | 9.3467% | 406 |
| Net loans and leases to total assets | 74.2217% | 2,646 |
| Net loans and leases to deposits | 89.2535% | 2,943 |
| Net loans and leases to core deposits | 127.7266% | 1,727 |
| Total domestic deposits to total assets | 83.1582% | 4,165 |
| Equity capital to assets | 9.7333% | 4,302 |
| Core capital (leverage) ratio | 8.2239% | 5,938 |
| Tier 1 risk-based capital ratio | 10.0180% | 6,899 |
| Total risk-based capital ratio | 12.3410% | 5,706 |
| Memoranda: | ||
| Average total assets | $195,607,330 | 3,270 |
| Average earning assets | $176,880,000 | 3,302 |
| Average equity | $17,494,330 | 3,618 |
| Average total loans | $151,575,670 | 2,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 7,853 |
| Cost of funding earning assets | 2.8059% | 966 |
| Net interest margin | 1.4834% | 8,065 |
| Noninterest income to average assets | 0.2905% | 6,113 |
| Noninterest expense to average assets | 2.5131% | 5,792 |
| Loan and lease loss provision to assets | 0.5079% | 2,443 |
| Net operating income to assets | -1.1844% | 7,356 |
| Return on assets (ROA) | -1.1844% | 7,370 |
| Pretax return on assets | -1.3998% | 7,335 |
| Return on Equity (ROE) | -13.8422% | 7,562 |
| Retained earnings to average equity (ytd only) | -13.8422% | 7,376 |
| Net charge-offs to loans | 3.1693% | 403 |
| Credit loss provision to net charge-offs | 20.5255% | 5,068 |
| Earnings coverage of net charge-offs (x) | -0.3604% | 5,208 |
| Efficiency ratio | 155.0125% | 330 |
| Assets per employee ($millions) | 6.8190% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0535% | 210 |
| Loan loss allowance to noncurrent loans | 43.1396% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 8.9659% | 282 |
| Noncurrent loans to loans | 9.3963% | 332 |
| Net loans and leases to total assets | 73.6485% | 2,855 |
| Net loans and leases to deposits | 86.9726% | 3,475 |
| Net loans and leases to core deposits | 122.4617% | 2,215 |
| Total domestic deposits to total assets | 84.6802% | 3,378 |
| Equity capital to assets | 8.3717% | 6,280 |
| Core capital (leverage) ratio | 6.8917% | 7,701 |
| Tier 1 risk-based capital ratio | 8.1834% | 7,990 |
| Total risk-based capital ratio | 10.4730% | 7,646 |
| Memoranda: | ||
| Average total assets | $196,892,000 | 3,273 |
| Average earning assets | $176,625,000 | 3,328 |
| Average equity | $16,847,000 | 3,756 |
| Average total loans | $153,722,500 | 2,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8624% | 6,224 |
| Cost of funding earning assets | 3.4214% | 673 |
| Net interest margin | 2.4410% | 7,816 |
| Noninterest income to average assets | 0.4549% | 5,004 |
| Noninterest expense to average assets | 2.4362% | 6,273 |
| Loan and lease loss provision to assets | 3.6119% | 214 |
| Net operating income to assets | -1.2850% | 7,380 |
| Return on assets (ROA) | -1.2850% | 7,326 |
| Pretax return on assets | -3.3485% | 7,783 |
| Return on Equity (ROE) | -14.4189% | 7,561 |
| Retained earnings to average equity (ytd only) | -14.4189% | 7,422 |
| Net charge-offs to loans | 1.2551% | 954 |
| Credit loss provision to net charge-offs | 335.7855% | 1,347 |
| Earnings coverage of net charge-offs (x) | 0.2449% | 6,083 |
| Efficiency ratio | 90.2421% | 1,498 |
| Assets per employee ($millions) | 6.5345% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5749% | 129 |
| Loan loss allowance to noncurrent loans | 50.9043% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 9.5279% | 190 |
| Noncurrent loans to loans | 8.9874% | 266 |
| Net loans and leases to total assets | 75.7680% | 2,686 |
| Net loans and leases to deposits | 89.8206% | 3,482 |
| Net loans and leases to core deposits | 128.0970% | 1,996 |
| Total domestic deposits to total assets | 84.3548% | 3,151 |
| Equity capital to assets | 8.7429% | 5,744 |
| Core capital (leverage) ratio | 7.0058% | 7,693 |
| Tier 1 risk-based capital ratio | 7.9941% | 8,085 |
| Total risk-based capital ratio | 10.2585% | 7,771 |
| Memoranda: | ||
| Average total assets | $195,880,000 | 3,192 |
| Average earning assets | $180,129,600 | 3,187 |
| Average equity | $17,456,200 | 3,653 |
| Average total loans | $167,877,000 | 2,645 |