Home > Heartland Community Bank > Performance and Condition Ratios
Heartland Community 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 | 4.2378% | 4,820 |
| Cost of funding earning assets | 0.4770% | 5,781 |
| Net interest margin | 3.7608% | 3,535 |
| Noninterest income to average assets | 0.7902% | 2,232 |
| Noninterest expense to average assets | 3.7969% | 1,220 |
| Loan and lease loss provision to assets | 0.5328% | 1,170 |
| Net operating income to assets | 0.0762% | 6,214 |
| Return on assets (ROA) | 0.1434% | 6,224 |
| Pretax return on assets | 0.0238% | 6,418 |
| Return on Equity (ROE) | 1.4454% | 6,205 |
| Retained earnings to average equity (ytd only) | 1.4454% | 5,472 |
| Net charge-offs to loans | -0.0147% | 6,366 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5829% | 1,184 |
| Assets per employee ($millions) | 3.1469% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9834% | 789 |
| Loan loss allowance to noncurrent loans | 43.9982% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 4.0245% | 1,263 |
| Noncurrent loans to loans | 6.7808% | 592 |
| Net loans and leases to total assets | 51.7333% | 5,131 |
| Net loans and leases to deposits | 58.1975% | 5,425 |
| Net loans and leases to core deposits | 60.6628% | 5,525 |
| Total domestic deposits to total assets | 88.8927% | 1,577 |
| Equity capital to assets | 9.8434% | 4,555 |
| Core capital (leverage) ratio | 9.1542% | 4,681 |
| Tier 1 risk-based capital ratio | 15.5452% | 3,413 |
| Total risk-based capital ratio | 16.8136% | 3,358 |
| Memoranda: | ||
| Average total assets | $243,990,330 | 2,612 |
| Average earning assets | $226,813,330 | 2,566 |
| Average equity | $24,214,000 | 2,748 |
| Average total loans | $135,615,670 | 2,826 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 4,194 |
| Cost of funding earning assets | 0.4865% | 5,894 |
| Net interest margin | 3.9451% | 2,745 |
| Noninterest income to average assets | 0.9765% | 1,494 |
| Noninterest expense to average assets | 3.5319% | 1,691 |
| Loan and lease loss provision to assets | 0.6620% | 814 |
| Net operating income to assets | 0.4402% | 5,081 |
| Return on assets (ROA) | 0.4402% | 5,273 |
| Pretax return on assets | 0.4469% | 5,593 |
| Return on Equity (ROE) | 4.4176% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.4176% | 3,946 |
| Net charge-offs to loans | -0.0146% | 6,070 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1056% | 2,772 |
| Assets per employee ($millions) | 2.6460% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7232% | 1,087 |
| Loan loss allowance to noncurrent loans | 49.0391% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.7461% | 1,495 |
| Noncurrent loans to loans | 5.5531% | 956 |
| Net loans and leases to total assets | 55.4996% | 4,469 |
| Net loans and leases to deposits | 62.5765% | 4,832 |
| Net loans and leases to core deposits | 65.3629% | 4,983 |
| Total domestic deposits to total assets | 88.6909% | 1,892 |
| Equity capital to assets | 10.1989% | 3,852 |
| Core capital (leverage) ratio | 9.7488% | 3,709 |
| Tier 1 risk-based capital ratio | 15.4608% | 3,469 |
| Total risk-based capital ratio | 16.7263% | 3,433 |
| Memoranda: | ||
| Average total assets | $241,684,500 | 2,648 |
| Average earning assets | $224,482,500 | 2,607 |
| Average equity | $24,085,500 | 2,760 |
| Average total loans | $137,141,000 | 2,823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 3,927 |
| Cost of funding earning assets | 0.6334% | 5,907 |
| Net interest margin | 4.1411% | 2,264 |
| Noninterest income to average assets | 1.0814% | 1,139 |
| Noninterest expense to average assets | 3.8304% | 1,286 |
| Loan and lease loss provision to assets | 1.0455% | 893 |
| Net operating income to assets | 0.0887% | 5,888 |
| Return on assets (ROA) | 0.2023% | 5,715 |
| Pretax return on assets | 0.1301% | 5,920 |
| Return on Equity (ROE) | 2.0700% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.0700% | 4,741 |
| Net charge-offs to loans | 1.5546% | 1,019 |
| Credit loss provision to net charge-offs | 111.8897% | 2,959 |
| Earnings coverage of net charge-offs (x) | 1.1365% | 4,936 |
| Efficiency ratio | 78.2939% | 2,555 |
| Assets per employee ($millions) | 2.7553% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3806% | 1,494 |
| Loan loss allowance to noncurrent loans | 45.6055% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 3.6053% | 1,632 |
| Noncurrent loans to loans | 5.2199% | 1,045 |
| Net loans and leases to total assets | 55.0996% | 4,864 |
| Net loans and leases to deposits | 61.7798% | 5,277 |
| Net loans and leases to core deposits | 64.1964% | 5,443 |
| Total domestic deposits to total assets | 89.1871% | 1,432 |
| Equity capital to assets | 9.7392% | 4,526 |
| Core capital (leverage) ratio | 9.4722% | 4,074 |
| Tier 1 risk-based capital ratio | 14.9090% | 3,692 |
| Total risk-based capital ratio | 16.1701% | 3,655 |
| Memoranda: | ||
| Average total assets | $236,738,000 | 2,665 |
| Average earning assets | $217,864,600 | 2,637 |
| Average equity | $23,139,600 | 2,764 |
| Average total loans | $142,290,400 | 2,747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 3,761 |
| Cost of funding earning assets | 0.6720% | 5,918 |
| Net interest margin | 4.1831% | 2,166 |
| Noninterest income to average assets | 1.0172% | 1,301 |
| Noninterest expense to average assets | 3.8036% | 1,299 |
| Loan and lease loss provision to assets | 1.0655% | 784 |
| Net operating income to assets | 0.0392% | 6,095 |
| Return on assets (ROA) | 0.1915% | 5,854 |
| Pretax return on assets | 0.1421% | 6,020 |
| Return on Equity (ROE) | 1.9575% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.9575% | 5,159 |
| Net charge-offs to loans | 0.5240% | 2,659 |
| Credit loss provision to net charge-offs | 333.0373% | 849 |
| Earnings coverage of net charge-offs (x) | 3.2984% | 3,494 |
| Efficiency ratio | 78.2807% | 2,511 |
| Assets per employee ($millions) | 2.5834% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0384% | 838 |
| Loan loss allowance to noncurrent loans | 72.4121% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 1,729 |
| Noncurrent loans to loans | 4.1960% | 1,566 |
| Net loans and leases to total assets | 58.9681% | 4,328 |
| Net loans and leases to deposits | 66.3236% | 4,854 |
| Net loans and leases to core deposits | 69.2204% | 5,039 |
| Total domestic deposits to total assets | 88.9097% | 1,478 |
| Equity capital to assets | 10.0558% | 4,268 |
| Core capital (leverage) ratio | 9.5616% | 4,055 |
| Tier 1 risk-based capital ratio | 14.6557% | 3,861 |
| Total risk-based capital ratio | 15.9247% | 3,831 |
| Memoranda: | ||
| Average total assets | $234,616,250 | 2,691 |
| Average earning assets | $215,466,250 | 2,674 |
| Average equity | $22,953,750 | 2,783 |
| Average total loans | $143,259,750 | 2,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 3,825 |
| Cost of funding earning assets | 0.6797% | 6,069 |
| Net interest margin | 4.1785% | 2,126 |
| Noninterest income to average assets | 1.1712% | 926 |
| Noninterest expense to average assets | 3.7038% | 1,520 |
| Loan and lease loss provision to assets | 1.3009% | 570 |
| Net operating income to assets | 0.0896% | 6,044 |
| Return on assets (ROA) | 0.1194% | 6,055 |
| Pretax return on assets | 0.0350% | 6,217 |
| Return on Equity (ROE) | 1.2321% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.2321% | 5,362 |
| Net charge-offs to loans | 0.7004% | 2,106 |
| Credit loss provision to net charge-offs | 303.7849% | 997 |
| Earnings coverage of net charge-offs (x) | 3.0498% | 3,328 |
| Efficiency ratio | 73.9316% | 3,369 |
| Assets per employee ($millions) | 2.6525% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 1,017 |
| Loan loss allowance to noncurrent loans | 78.4940% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 3.3110% | 2,012 |
| Noncurrent loans to loans | 3.6557% | 1,920 |
| Net loans and leases to total assets | 56.8641% | 4,839 |
| Net loans and leases to deposits | 67.4337% | 4,794 |
| Net loans and leases to core deposits | 70.3094% | 5,035 |
| Total domestic deposits to total assets | 84.3259% | 4,207 |
| Equity capital to assets | 9.6280% | 4,627 |
| Core capital (leverage) ratio | 9.2292% | 4,352 |
| Tier 1 risk-based capital ratio | 14.1601% | 4,053 |
| Total risk-based capital ratio | 15.4272% | 4,005 |
| Memoranda: | ||
| Average total assets | $234,459,000 | 2,709 |
| Average earning assets | $215,386,670 | 2,699 |
| Average equity | $22,725,000 | 2,786 |
| Average total loans | $143,356,000 | 2,785 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 3,548 |
| Cost of funding earning assets | 0.6906% | 6,188 |
| Net interest margin | 4.2172% | 1,845 |
| Noninterest income to average assets | 1.1775% | 930 |
| Noninterest expense to average assets | 3.7714% | 1,390 |
| Loan and lease loss provision to assets | 1.6017% | 384 |
| Net operating income to assets | -0.1011% | 6,461 |
| Return on assets (ROA) | -0.0623% | 6,439 |
| Pretax return on assets | -0.2545% | 6,582 |
| Return on Equity (ROE) | -0.6409% | 6,445 |
| Retained earnings to average equity (ytd only) | -0.6409% | 5,917 |
| Net charge-offs to loans | 1.3742% | 1,002 |
| Credit loss provision to net charge-offs | 186.4919% | 1,578 |
| Earnings coverage of net charge-offs (x) | 1.4980% | 3,587 |
| Efficiency ratio | 74.5635% | 3,414 |
| Assets per employee ($millions) | 2.5197% | 6,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4400% | 1,552 |
| Loan loss allowance to noncurrent loans | 70.5032% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.5134% | 1,938 |
| Noncurrent loans to loans | 3.4609% | 2,158 |
| Net loans and leases to total assets | 60.3511% | 4,195 |
| Net loans and leases to deposits | 72.2531% | 4,034 |
| Net loans and leases to core deposits | 75.7038% | 4,342 |
| Total domestic deposits to total assets | 83.5273% | 4,689 |
| Equity capital to assets | 9.7691% | 4,076 |
| Core capital (leverage) ratio | 9.5871% | 3,673 |
| Tier 1 risk-based capital ratio | 13.8124% | 4,202 |
| Total risk-based capital ratio | 15.0741% | 4,175 |
| Memoranda: | ||
| Average total assets | $230,999,000 | 2,764 |
| Average earning assets | $212,556,500 | 2,749 |
| Average equity | $22,467,500 | 2,805 |
| Average total loans | $144,377,500 | 2,797 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 4,814 |
| Cost of funding earning assets | 0.8822% | 6,231 |
| Net interest margin | 4.0619% | 2,735 |
| Noninterest income to average assets | 0.9742% | 1,592 |
| Noninterest expense to average assets | 3.8408% | 1,416 |
| Loan and lease loss provision to assets | 1.1420% | 1,394 |
| Net operating income to assets | -0.0517% | 5,933 |
| Return on assets (ROA) | 0.0120% | 5,935 |
| Pretax return on assets | -0.1478% | 6,044 |
| Return on Equity (ROE) | 0.1277% | 5,932 |
| Retained earnings to average equity (ytd only) | 0.1277% | 5,520 |
| Net charge-offs to loans | 2.0486% | 981 |
| Credit loss provision to net charge-offs | 87.6075% | 5,225 |
| Earnings coverage of net charge-offs (x) | 0.6862% | 5,425 |
| Efficiency ratio | 81.1102% | 2,277 |
| Assets per employee ($millions) | 2.5572% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 2,144 |
| Loan loss allowance to noncurrent loans | 64.5518% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.3764% | 2,074 |
| Noncurrent loans to loans | 3.1972% | 2,379 |
| Net loans and leases to total assets | 61.8299% | 4,320 |
| Net loans and leases to deposits | 73.1990% | 4,330 |
| Net loans and leases to core deposits | 74.6571% | 4,893 |
| Total domestic deposits to total assets | 84.4682% | 4,138 |
| Equity capital to assets | 9.6840% | 4,161 |
| Core capital (leverage) ratio | 9.2691% | 4,072 |
| Tier 1 risk-based capital ratio | 13.6355% | 4,106 |
| Total risk-based capital ratio | 14.8931% | 4,072 |
| Memoranda: | ||
| Average total assets | $240,810,200 | 2,628 |
| Average earning assets | $222,972,000 | 2,594 |
| Average equity | $22,713,000 | 2,801 |
| Average total loans | $153,223,800 | 2,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 5,095 |
| Cost of funding earning assets | 0.9248% | 6,288 |
| Net interest margin | 4.0115% | 3,047 |
| Noninterest income to average assets | 1.1827% | 997 |
| Noninterest expense to average assets | 3.7950% | 1,377 |
| Loan and lease loss provision to assets | 1.1530% | 1,257 |
| Net operating income to assets | 0.0307% | 5,930 |
| Return on assets (ROA) | 0.1614% | 5,766 |
| Pretax return on assets | 0.0829% | 5,944 |
| Return on Equity (ROE) | 1.7225% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.7225% | 5,102 |
| Net charge-offs to loans | 0.8475% | 2,331 |
| Credit loss provision to net charge-offs | 213.4146% | 1,645 |
| Earnings coverage of net charge-offs (x) | 2.0457% | 4,191 |
| Efficiency ratio | 77.4454% | 2,699 |
| Assets per employee ($millions) | 2.6087% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9621% | 852 |
| Loan loss allowance to noncurrent loans | 53.5972% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 4.6374% | 1,445 |
| Noncurrent loans to loans | 5.5266% | 1,197 |
| Net loans and leases to total assets | 62.6085% | 4,405 |
| Net loans and leases to deposits | 77.6566% | 3,893 |
| Net loans and leases to core deposits | 79.9241% | 4,528 |
| Total domestic deposits to total assets | 80.6223% | 5,510 |
| Equity capital to assets | 9.8923% | 4,301 |
| Core capital (leverage) ratio | 9.2474% | 4,281 |
| Tier 1 risk-based capital ratio | 13.5173% | 4,196 |
| Total risk-based capital ratio | 14.7862% | 4,125 |
| Memoranda: | ||
| Average total assets | $242,837,000 | 2,655 |
| Average earning assets | $225,049,750 | 2,604 |
| Average equity | $22,757,500 | 2,836 |
| Average total loans | $154,801,750 | 2,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 5,260 |
| Cost of funding earning assets | 0.9472% | 6,388 |
| Net interest margin | 3.9852% | 3,088 |
| Noninterest income to average assets | 1.1404% | 1,002 |
| Noninterest expense to average assets | 3.7000% | 1,560 |
| Loan and lease loss provision to assets | 1.1445% | 1,258 |
| Net operating income to assets | 0.0646% | 5,959 |
| Return on assets (ROA) | 0.2052% | 5,672 |
| Pretax return on assets | 0.1341% | 5,916 |
| Return on Equity (ROE) | 2.2296% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.2296% | 4,732 |
| Net charge-offs to loans | 1.1922% | 1,591 |
| Credit loss provision to net charge-offs | 151.1879% | 2,597 |
| Earnings coverage of net charge-offs (x) | 1.5032% | 4,362 |
| Efficiency ratio | 76.4785% | 2,985 |
| Assets per employee ($millions) | 2.5626% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5386% | 1,255 |
| Loan loss allowance to noncurrent loans | 67.0858% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 3.5066% | 2,000 |
| Noncurrent loans to loans | 3.7841% | 2,041 |
| Net loans and leases to total assets | 63.4280% | 4,369 |
| Net loans and leases to deposits | 78.4686% | 3,889 |
| Net loans and leases to core deposits | 80.7604% | 4,582 |
| Total domestic deposits to total assets | 80.8324% | 5,462 |
| Equity capital to assets | 9.7970% | 4,271 |
| Core capital (leverage) ratio | 9.0342% | 4,552 |
| Tier 1 risk-based capital ratio | 13.7501% | 3,905 |
| Total risk-based capital ratio | 14.9992% | 3,868 |
| Memoranda: | ||
| Average total assets | $244,650,670 | 2,660 |
| Average earning assets | $226,988,330 | 2,608 |
| Average equity | $22,515,330 | 2,859 |
| Average total loans | $155,346,670 | 2,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 5,550 |
| Cost of funding earning assets | 0.9564% | 6,551 |
| Net interest margin | 3.9257% | 3,219 |
| Noninterest income to average assets | 1.0984% | 1,045 |
| Noninterest expense to average assets | 3.6725% | 1,567 |
| Loan and lease loss provision to assets | 1.6058% | 720 |
| Net operating income to assets | -0.2067% | 6,550 |
| Return on assets (ROA) | -0.1831% | 6,598 |
| Pretax return on assets | -0.4978% | 6,779 |
| Return on Equity (ROE) | -2.0518% | 6,641 |
| Retained earnings to average equity (ytd only) | -2.0518% | 6,218 |
| Net charge-offs to loans | 1.6916% | 1,021 |
| Credit loss provision to net charge-offs | 151.2859% | 2,360 |
| Earnings coverage of net charge-offs (x) | 1.0091% | 4,166 |
| Efficiency ratio | 77.4204% | 2,993 |
| Assets per employee ($millions) | 2.7754% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4180% | 1,401 |
| Loan loss allowance to noncurrent loans | 72.2660% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.9193% | 2,455 |
| Noncurrent loans to loans | 3.3460% | 2,389 |
| Net loans and leases to total assets | 59.4287% | 5,211 |
| Net loans and leases to deposits | 72.0288% | 5,042 |
| Net loans and leases to core deposits | 75.6730% | 5,301 |
| Total domestic deposits to total assets | 82.5068% | 4,848 |
| Equity capital to assets | 8.8081% | 5,539 |
| Core capital (leverage) ratio | 8.7646% | 4,912 |
| Tier 1 risk-based capital ratio | 13.1639% | 4,233 |
| Total risk-based capital ratio | 14.4165% | 4,188 |
| Memoranda: | ||
| Average total assets | $249,097,500 | 2,663 |
| Average earning assets | $231,295,000 | 2,634 |
| Average equity | $22,224,500 | 2,913 |
| Average total loans | $156,304,500 | 2,809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 5,524 |
| Cost of funding earning assets | 1.2949% | 6,327 |
| Net interest margin | 3.9311% | 3,153 |
| Noninterest income to average assets | 1.0969% | 1,274 |
| Noninterest expense to average assets | 4.0522% | 1,299 |
| Loan and lease loss provision to assets | 1.5062% | 1,525 |
| Net operating income to assets | -0.3736% | 6,050 |
| Return on assets (ROA) | -0.3736% | 6,040 |
| Pretax return on assets | -0.7918% | 6,259 |
| Return on Equity (ROE) | -4.5965% | 6,179 |
| Retained earnings to average equity (ytd only) | -4.5965% | 5,972 |
| Net charge-offs to loans | 1.8782% | 1,326 |
| Credit loss provision to net charge-offs | 118.0393% | 4,585 |
| Earnings coverage of net charge-offs (x) | 0.5599% | 5,547 |
| Efficiency ratio | 85.0129% | 2,225 |
| Assets per employee ($millions) | 2.6398% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1775% | 1,691 |
| Loan loss allowance to noncurrent loans | 70.6089% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.0318% | 2,304 |
| Noncurrent loans to loans | 3.0839% | 2,484 |
| Net loans and leases to total assets | 63.2816% | 4,756 |
| Net loans and leases to deposits | 76.4604% | 4,658 |
| Net loans and leases to core deposits | 85.8107% | 5,538 |
| Total domestic deposits to total assets | 82.7639% | 4,636 |
| Equity capital to assets | 9.0418% | 5,075 |
| Core capital (leverage) ratio | 8.8101% | 4,755 |
| Tier 1 risk-based capital ratio | 12.5921% | 4,453 |
| Total risk-based capital ratio | 13.8518% | 4,387 |
| Memoranda: | ||
| Average total assets | $235,031,600 | 2,766 |
| Average earning assets | $219,401,600 | 2,710 |
| Average equity | $19,101,400 | 3,328 |
| Average total loans | $159,672,800 | 2,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 5,779 |
| Cost of funding earning assets | 1.3706% | 6,331 |
| Net interest margin | 3.8539% | 3,412 |
| Noninterest income to average assets | 1.1006% | 1,310 |
| Noninterest expense to average assets | 3.9901% | 1,285 |
| Loan and lease loss provision to assets | 1.3443% | 1,441 |
| Net operating income to assets | -0.2483% | 6,139 |
| Return on assets (ROA) | -0.2483% | 6,144 |
| Pretax return on assets | -0.6275% | 6,422 |
| Return on Equity (ROE) | -3.1471% | 6,264 |
| Retained earnings to average equity (ytd only) | -3.1471% | 5,964 |
| Net charge-offs to loans | 1.9769% | 1,003 |
| Credit loss provision to net charge-offs | 98.8641% | 5,176 |
| Earnings coverage of net charge-offs (x) | 0.5271% | 5,502 |
| Efficiency ratio | 84.7715% | 2,213 |
| Assets per employee ($millions) | 2.6011% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,336 |
| Loan loss allowance to noncurrent loans | 40.8155% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 3.4050% | 1,962 |
| Noncurrent loans to loans | 4.3651% | 1,624 |
| Net loans and leases to total assets | 65.7260% | 4,483 |
| Net loans and leases to deposits | 79.8450% | 4,413 |
| Net loans and leases to core deposits | 91.7706% | 5,253 |
| Total domestic deposits to total assets | 82.3170% | 4,536 |
| Equity capital to assets | 9.3858% | 4,904 |
| Core capital (leverage) ratio | 9.3553% | 4,106 |
| Tier 1 risk-based capital ratio | 13.4825% | 3,862 |
| Total risk-based capital ratio | 14.7382% | 3,793 |
| Memoranda: | ||
| Average total assets | $233,074,000 | 2,804 |
| Average earning assets | $218,093,250 | 2,744 |
| Average equity | $18,387,000 | 3,470 |
| Average total loans | $160,314,000 | 2,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 5,669 |
| Cost of funding earning assets | 1.4356% | 6,365 |
| Net interest margin | 3.8625% | 3,281 |
| Noninterest income to average assets | 1.0165% | 1,537 |
| Noninterest expense to average assets | 4.0156% | 1,293 |
| Loan and lease loss provision to assets | 0.6061% | 2,626 |
| Net operating income to assets | 0.1861% | 5,316 |
| Return on assets (ROA) | 0.1861% | 5,394 |
| Pretax return on assets | 0.0078% | 5,852 |
| Return on Equity (ROE) | 2.5251% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.5251% | 3,927 |
| Net charge-offs to loans | 1.9891% | 931 |
| Credit loss provision to net charge-offs | 43.8871% | 5,844 |
| Earnings coverage of net charge-offs (x) | 0.4445% | 5,256 |
| Efficiency ratio | 86.7402% | 2,153 |
| Assets per employee ($millions) | 2.5402% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 4,662 |
| Loan loss allowance to noncurrent loans | 33.6783% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 3.0133% | 2,109 |
| Noncurrent loans to loans | 3.6874% | 1,886 |
| Net loans and leases to total assets | 67.5470% | 4,243 |
| Net loans and leases to deposits | 81.3173% | 4,335 |
| Net loans and leases to core deposits | 93.8207% | 5,137 |
| Total domestic deposits to total assets | 83.0660% | 4,207 |
| Equity capital to assets | 7.4647% | 7,302 |
| Core capital (leverage) ratio | 7.7590% | 6,664 |
| Tier 1 risk-based capital ratio | 10.8599% | 6,024 |
| Total risk-based capital ratio | 12.0595% | 6,007 |
| Memoranda: | ||
| Average total assets | $230,999,330 | 2,849 |
| Average earning assets | $216,076,670 | 2,799 |
| Average equity | $17,029,330 | 3,707 |
| Average total loans | $160,374,000 | 2,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 5,830 |
| Cost of funding earning assets | 1.4902% | 6,434 |
| Net interest margin | 3.8243% | 3,360 |
| Noninterest income to average assets | 1.0712% | 1,294 |
| Noninterest expense to average assets | 4.1768% | 968 |
| Loan and lease loss provision to assets | 0.5225% | 2,378 |
| Net operating income to assets | 0.1864% | 5,697 |
| Return on assets (ROA) | 0.1864% | 5,872 |
| Pretax return on assets | -0.0523% | 6,434 |
| Return on Equity (ROE) | 2.5444% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.5444% | 4,463 |
| Net charge-offs to loans | 0.8790% | 1,489 |
| Credit loss provision to net charge-offs | 84.9858% | 4,103 |
| Earnings coverage of net charge-offs (x) | 0.7649% | 4,414 |
| Efficiency ratio | 89.8801% | 1,728 |
| Assets per employee ($millions) | 2.6057% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 2,001 |
| Loan loss allowance to noncurrent loans | 64.2062% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 2,111 |
| Noncurrent loans to loans | 2.7158% | 2,418 |
| Net loans and leases to total assets | 69.4725% | 3,800 |
| Net loans and leases to deposits | 87.0658% | 3,459 |
| Net loans and leases to core deposits | 99.5233% | 4,584 |
| Total domestic deposits to total assets | 79.7931% | 5,432 |
| Equity capital to assets | 7.4275% | 7,410 |
| Core capital (leverage) ratio | 7.9922% | 6,464 |
| Tier 1 risk-based capital ratio | 10.7892% | 6,109 |
| Total risk-based capital ratio | 12.0450% | 6,001 |
| Memoranda: | ||
| Average total assets | $229,648,500 | 2,876 |
| Average earning assets | $214,734,000 | 2,827 |
| Average equity | $16,821,500 | 3,761 |
| Average total loans | $160,639,500 | 2,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1695% | 4,670 |
| Cost of funding earning assets | 2.2563% | 5,345 |
| Net interest margin | 3.9132% | 3,504 |
| Noninterest income to average assets | 1.1090% | 1,275 |
| Noninterest expense to average assets | 3.9102% | 1,543 |
| Loan and lease loss provision to assets | 1.1506% | 1,267 |
| Net operating income to assets | -0.1112% | 6,510 |
| Return on assets (ROA) | -0.1112% | 6,363 |
| Pretax return on assets | -0.3920% | 6,541 |
| Return on Equity (ROE) | -1.3659% | 6,412 |
| Retained earnings to average equity (ytd only) | -5.2526% | 6,551 |
| Net charge-offs to loans | 1.0794% | 1,129 |
| Credit loss provision to net charge-offs | 149.0920% | 3,538 |
| Earnings coverage of net charge-offs (x) | 0.9830% | 5,639 |
| Efficiency ratio | 83.7513% | 2,085 |
| Assets per employee ($millions) | 2.3958% | 7,404 |
| Cash dividends to net income (ytd only)* | -284.5528% | 8,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 1,606 |
| Loan loss allowance to noncurrent loans | 58.2996% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.6618% | 1,795 |
| Noncurrent loans to loans | 3.1039% | 1,716 |
| Net loans and leases to total assets | 67.9451% | 4,475 |
| Net loans and leases to deposits | 88.6188% | 3,702 |
| Net loans and leases to core deposits | 101.3128% | 4,687 |
| Total domestic deposits to total assets | 76.6712% | 6,078 |
| Equity capital to assets | 7.2226% | 7,607 |
| Core capital (leverage) ratio | 7.7963% | 6,806 |
| Tier 1 risk-based capital ratio | 10.7728% | 5,936 |
| Total risk-based capital ratio | 12.0288% | 5,838 |
| Memoranda: | ||
| Average total assets | $221,193,000 | 2,861 |
| Average earning assets | $201,216,400 | 2,881 |
| Average equity | $18,010,000 | 3,555 |
| Average total loans | $158,149,000 | 2,799 |