Home > Herald National Bank > Performance and Condition Ratios
Herald National Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 6,594 |
| Cost of funding earning assets | 0.3882% | 5,992 |
| Net interest margin | 2.9024% | 6,220 |
| Noninterest income to average assets | 0.1780% | 6,125 |
| Noninterest expense to average assets | 2.7985% | 4,026 |
| Loan and lease loss provision to assets | 0.3483% | 1,920 |
| Net operating income to assets | -0.1729% | 6,355 |
| Return on assets (ROA) | -0.1729% | 6,427 |
| Pretax return on assets | -0.2754% | 6,463 |
| Return on Equity (ROE) | -1.0491% | 6,392 |
| Retained earnings to average equity (ytd only) | -1.0491% | 6,023 |
| Net charge-offs to loans | 0.0013% | 5,971 |
| Credit loss provision to net charge-offs | 43,825.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 91.7500% | 423 |
| Efficiency ratio | 95.0872% | 745 |
| Assets per employee ($millions) | 11.6783% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 6,703 |
| Loan loss allowance to noncurrent loans | 86.6700% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 5,461 |
| Noncurrent loans to loans | 0.7476% | 4,684 |
| Net loans and leases to total assets | 54.6754% | 4,516 |
| Net loans and leases to deposits | 69.2466% | 3,802 |
| Net loans and leases to core deposits | 83.0802% | 2,660 |
| Total domestic deposits to total assets | 78.9575% | 5,901 |
| Equity capital to assets | 20.5048% | 205 |
| Core capital (leverage) ratio | 18.7757% | 243 |
| Tier 1 risk-based capital ratio | 31.6708% | 444 |
| Total risk-based capital ratio | 32.2779% | 460 |
| Memoranda: | ||
| Average total assets | $503,313,800 | 1,323 |
| Average earning assets | $467,061,600 | 1,308 |
| Average equity | $82,924,600 | 847 |
| Average total loans | $302,023,200 | 1,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1527% | 6,825 |
| Cost of funding earning assets | 0.3645% | 6,304 |
| Net interest margin | 2.7882% | 6,519 |
| Noninterest income to average assets | 0.1690% | 6,293 |
| Noninterest expense to average assets | 2.7665% | 4,106 |
| Loan and lease loss provision to assets | 0.4620% | 1,344 |
| Net operating income to assets | -0.3024% | 6,573 |
| Return on assets (ROA) | -0.3024% | 6,631 |
| Pretax return on assets | -0.4820% | 6,697 |
| Return on Equity (ROE) | -1.9512% | 6,564 |
| Retained earnings to average equity (ytd only) | -1.9512% | 6,390 |
| Net charge-offs to loans | 0.0275% | 5,273 |
| Credit loss provision to net charge-offs | 2,742.1875% | 99 |
| Earnings coverage of net charge-offs (x) | -1.1875% | 5,594 |
| Efficiency ratio | 98.4282% | 588 |
| Assets per employee ($millions) | 11.1481% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 6,917 |
| Loan loss allowance to noncurrent loans | 76.8986% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 5,516 |
| Noncurrent loans to loans | 0.7190% | 4,994 |
| Net loans and leases to total assets | 63.4464% | 3,125 |
| Net loans and leases to deposits | 80.8226% | 2,272 |
| Net loans and leases to core deposits | 98.8132% | 1,205 |
| Total domestic deposits to total assets | 78.5008% | 5,965 |
| Equity capital to assets | 20.9105% | 206 |
| Core capital (leverage) ratio | 18.6585% | 263 |
| Tier 1 risk-based capital ratio | 28.6697% | 608 |
| Total risk-based capital ratio | 29.2058% | 649 |
| Memoranda: | ||
| Average total assets | $506,520,000 | 1,336 |
| Average earning assets | $468,247,250 | 1,321 |
| Average equity | $78,512,250 | 902 |
| Average total loans | $310,047,500 | 1,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7177% | 7,073 |
| Cost of funding earning assets | 0.3113% | 6,683 |
| Net interest margin | 2.4064% | 6,953 |
| Noninterest income to average assets | 0.1548% | 6,424 |
| Noninterest expense to average assets | 2.7174% | 4,337 |
| Loan and lease loss provision to assets | 0.2533% | 2,547 |
| Net operating income to assets | -0.3786% | 6,665 |
| Return on assets (ROA) | -0.3786% | 6,717 |
| Pretax return on assets | -0.6032% | 6,776 |
| Return on Equity (ROE) | -2.7389% | 6,662 |
| Retained earnings to average equity (ytd only) | -2.7389% | 6,439 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5348% | 301 |
| Assets per employee ($millions) | 10.0073% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2061% | 7,145 |
| Loan loss allowance to noncurrent loans | 33.8342% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 5,839 |
| Noncurrent loans to loans | 0.6093% | 5,296 |
| Net loans and leases to total assets | 61.9400% | 3,454 |
| Net loans and leases to deposits | 81.6489% | 2,161 |
| Net loans and leases to core deposits | 99.8538% | 1,105 |
| Total domestic deposits to total assets | 75.8614% | 6,482 |
| Equity capital to assets | 15.6117% | 661 |
| Core capital (leverage) ratio | 13.9451% | 820 |
| Tier 1 risk-based capital ratio | 20.3104% | 1,637 |
| Total risk-based capital ratio | 20.4997% | 1,876 |
| Memoranda: | ||
| Average total assets | $515,571,000 | 1,312 |
| Average earning assets | $474,078,000 | 1,307 |
| Average equity | $71,270,330 | 988 |
| Average total loans | $311,452,670 | 1,362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3427% | 7,275 |
| Cost of funding earning assets | 0.1506% | 7,186 |
| Net interest margin | 1.1921% | 7,262 |
| Noninterest income to average assets | 0.0949% | 6,772 |
| Noninterest expense to average assets | 1.4590% | 7,082 |
| Loan and lease loss provision to assets | 0.0216% | 5,067 |
| Net operating income to assets | -0.1830% | 6,616 |
| Return on assets (ROA) | -0.1830% | 6,673 |
| Pretax return on assets | -0.2918% | 6,724 |
| Return on Equity (ROE) | -1.4135% | 6,649 |
| Retained earnings to average equity (ytd only) | -1.4135% | 6,210 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5195% | 216 |
| Assets per employee ($millions) | 9.8490% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0089% | 7,242 |
| Loan loss allowance to noncurrent loans | 26.9231% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,857 |
| Noncurrent loans to loans | 0.0332% | 6,681 |
| Net loans and leases to total assets | 61.1239% | 3,425 |
| Net loans and leases to deposits | 74.3392% | 3,074 |
| Net loans and leases to core deposits | 85.9830% | 2,291 |
| Total domestic deposits to total assets | 82.2230% | 5,220 |
| Equity capital to assets | 15.6111% | 637 |
| Core capital (leverage) ratio | 13.6761% | 883 |
| Tier 1 risk-based capital ratio | 21.0524% | 1,482 |
| Total risk-based capital ratio | 21.0619% | 1,727 |
| Memoranda: | ||
| Average total assets | $518,170,000 | 1,313 |
| Average earning assets | $475,471,000 | 1,310 |
| Average equity | $67,066,500 | 1,043 |
| Average total loans | $308,790,000 | 1,373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 4,318 |
| Cost of funding earning assets | 0.7440% | 5,250 |
| Net interest margin | 3.9392% | 3,158 |
| Noninterest income to average assets | 0.3176% | 5,267 |
| Noninterest expense to average assets | 3.8104% | 1,331 |
| Loan and lease loss provision to assets | 0.0200% | 6,320 |
| Net operating income to assets | 0.1083% | 5,850 |
| Return on assets (ROA) | 0.1492% | 5,874 |
| Pretax return on assets | 0.1738% | 5,849 |
| Return on Equity (ROE) | 1.4255% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.4255% | 5,187 |
| Net charge-offs to loans | 0.1756% | 4,743 |
| Credit loss provision to net charge-offs | 17.8253% | 5,942 |
| Earnings coverage of net charge-offs (x) | 1.3048% | 4,800 |
| Efficiency ratio | 96.3047% | 809 |
| Assets per employee ($millions) | 9.7072% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,413 |
| Loan loss allowance to noncurrent loans | 3,516.5680% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,891 |
| Noncurrent loans to loans | 0.0555% | 6,683 |
| Net loans and leases to total assets | 56.9570% | 4,553 |
| Net loans and leases to deposits | 64.1059% | 4,993 |
| Net loans and leases to core deposits | 73.3767% | 4,328 |
| Total domestic deposits to total assets | 88.8483% | 1,638 |
| Equity capital to assets | 10.3361% | 3,735 |
| Core capital (leverage) ratio | 10.6281% | 2,586 |
| Tier 1 risk-based capital ratio | 15.9690% | 3,065 |
| Total risk-based capital ratio | 17.2263% | 3,021 |
| Memoranda: | ||
| Average total assets | $500,652,600 | 1,340 |
| Average earning assets | $462,506,200 | 1,326 |
| Average equity | $52,403,000 | 1,296 |
| Average total loans | $319,462,400 | 1,331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 4,182 |
| Cost of funding earning assets | 0.7898% | 5,216 |
| Net interest margin | 3.9712% | 3,047 |
| Noninterest income to average assets | 0.2765% | 5,640 |
| Noninterest expense to average assets | 3.8549% | 1,222 |
| Loan and lease loss provision to assets | 0.0269% | 6,104 |
| Net operating income to assets | 0.0717% | 6,023 |
| Return on assets (ROA) | 0.1256% | 6,019 |
| Pretax return on assets | 0.1496% | 6,000 |
| Return on Equity (ROE) | 1.1958% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.1958% | 5,535 |
| Net charge-offs to loans | 0.2389% | 3,930 |
| Credit loss provision to net charge-offs | 17.2712% | 5,597 |
| Earnings coverage of net charge-offs (x) | 0.7202% | 5,082 |
| Efficiency ratio | 97.1675% | 764 |
| Assets per employee ($millions) | 8.3917% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,750 |
| Loan loss allowance to noncurrent loans | 514.6829% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 6,469 |
| Noncurrent loans to loans | 0.3612% | 6,130 |
| Net loans and leases to total assets | 64.2481% | 3,260 |
| Net loans and leases to deposits | 75.5172% | 3,407 |
| Net loans and leases to core deposits | 87.5972% | 2,546 |
| Total domestic deposits to total assets | 85.0774% | 3,735 |
| Equity capital to assets | 11.0487% | 3,091 |
| Core capital (leverage) ratio | 10.9397% | 2,441 |
| Tier 1 risk-based capital ratio | 15.8674% | 3,184 |
| Total risk-based capital ratio | 17.1244% | 3,135 |
| Memoranda: | ||
| Average total assets | $494,768,250 | 1,353 |
| Average earning assets | $459,838,500 | 1,335 |
| Average equity | $51,958,500 | 1,311 |
| Average total loans | $323,201,500 | 1,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 4,069 |
| Cost of funding earning assets | 0.8431% | 5,113 |
| Net interest margin | 3.9654% | 3,013 |
| Noninterest income to average assets | 0.2404% | 5,928 |
| Noninterest expense to average assets | 3.7628% | 1,416 |
| Loan and lease loss provision to assets | 0.0402% | 5,806 |
| Net operating income to assets | 0.0751% | 6,069 |
| Return on assets (ROA) | 0.1134% | 6,069 |
| Pretax return on assets | 0.1375% | 6,040 |
| Return on Equity (ROE) | 1.0983% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.0983% | 5,420 |
| Net charge-offs to loans | 0.2414% | 3,671 |
| Credit loss provision to net charge-offs | 25.5102% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.8316% | 4,677 |
| Efficiency ratio | 96.6340% | 848 |
| Assets per employee ($millions) | 8.2466% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 2,625 |
| Loan loss allowance to noncurrent loans | 423.8558% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 6,394 |
| Noncurrent loans to loans | 0.4516% | 6,005 |
| Net loans and leases to total assets | 64.3641% | 3,388 |
| Net loans and leases to deposits | 72.6644% | 4,011 |
| Net loans and leases to core deposits | 84.9668% | 3,079 |
| Total domestic deposits to total assets | 88.5771% | 1,799 |
| Equity capital to assets | 10.7518% | 3,225 |
| Core capital (leverage) ratio | 10.5753% | 2,637 |
| Tier 1 risk-based capital ratio | 15.8600% | 3,052 |
| Total risk-based capital ratio | 17.1091% | 3,027 |
| Memoranda: | ||
| Average total assets | $497,451,670 | 1,352 |
| Average earning assets | $458,310,000 | 1,341 |
| Average equity | $51,352,670 | 1,308 |
| Average total loans | $324,725,000 | 1,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 4,473 |
| Cost of funding earning assets | 0.8445% | 5,306 |
| Net interest margin | 3.8662% | 3,316 |
| Noninterest income to average assets | 0.1790% | 6,440 |
| Noninterest expense to average assets | 3.5999% | 1,770 |
| Loan and lease loss provision to assets | 0.0795% | 5,014 |
| Net operating income to assets | 0.0837% | 6,135 |
| Return on assets (ROA) | 0.1631% | 5,957 |
| Pretax return on assets | 0.1893% | 5,964 |
| Return on Equity (ROE) | 1.6119% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.6119% | 5,145 |
| Net charge-offs to loans | 0.2920% | 2,886 |
| Credit loss provision to net charge-offs | 41.8410% | 3,909 |
| Earnings coverage of net charge-offs (x) | 0.9289% | 3,957 |
| Efficiency ratio | 95.3243% | 965 |
| Assets per employee ($millions) | 8.6399% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 2,554 |
| Loan loss allowance to noncurrent loans | 376.0504% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,365 |
| Noncurrent loans to loans | 0.5174% | 5,992 |
| Net loans and leases to total assets | 63.0046% | 3,658 |
| Net loans and leases to deposits | 72.2245% | 4,040 |
| Net loans and leases to core deposits | 82.6109% | 3,366 |
| Total domestic deposits to total assets | 87.2344% | 2,808 |
| Equity capital to assets | 10.1905% | 3,550 |
| Core capital (leverage) ratio | 10.6052% | 2,502 |
| Tier 1 risk-based capital ratio | 15.5270% | 3,152 |
| Total risk-based capital ratio | 16.7849% | 3,096 |
| Memoranda: | ||
| Average total assets | $502,902,000 | 1,343 |
| Average earning assets | $467,947,000 | 1,322 |
| Average equity | $50,872,500 | 1,310 |
| Average total loans | $327,449,500 | 1,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 4,059 |
| Cost of funding earning assets | 1.0082% | 5,652 |
| Net interest margin | 4.1021% | 2,552 |
| Noninterest income to average assets | 0.1200% | 6,807 |
| Noninterest expense to average assets | 4.2855% | 826 |
| Loan and lease loss provision to assets | 0.9456% | 1,728 |
| Net operating income to assets | -1.2295% | 6,795 |
| Return on assets (ROA) | -1.1670% | 6,793 |
| Pretax return on assets | -1.1449% | 6,717 |
| Return on Equity (ROE) | -10.9262% | 6,766 |
| Retained earnings to average equity (ytd only) | -10.9262% | 6,708 |
| Net charge-offs to loans | 0.6223% | 3,168 |
| Credit loss provision to net charge-offs | 209.4712% | 1,466 |
| Earnings coverage of net charge-offs (x) | -0.5798% | 6,491 |
| Efficiency ratio | 106.5049% | 615 |
| Assets per employee ($millions) | 8.0110% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 2,486 |
| Loan loss allowance to noncurrent loans | 1,478.9838% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 7,022 |
| Noncurrent loans to loans | 0.1301% | 6,812 |
| Net loans and leases to total assets | 64.6942% | 3,728 |
| Net loans and leases to deposits | 75.8309% | 3,871 |
| Net loans and leases to core deposits | 86.7236% | 3,222 |
| Total domestic deposits to total assets | 85.3138% | 3,711 |
| Equity capital to assets | 10.0416% | 3,698 |
| Core capital (leverage) ratio | 10.9718% | 2,181 |
| Tier 1 risk-based capital ratio | 15.1027% | 3,190 |
| Total risk-based capital ratio | 16.3597% | 3,133 |
| Memoranda: | ||
| Average total assets | $460,758,000 | 1,441 |
| Average earning assets | $438,486,200 | 1,389 |
| Average equity | $49,212,000 | 1,358 |
| Average total loans | $334,254,000 | 1,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 3,747 |
| Cost of funding earning assets | 1.0812% | 5,545 |
| Net interest margin | 4.1375% | 2,456 |
| Noninterest income to average assets | 0.1192% | 6,953 |
| Noninterest expense to average assets | 4.5559% | 556 |
| Loan and lease loss provision to assets | 1.1958% | 1,199 |
| Net operating income to assets | -1.7170% | 7,166 |
| Return on assets (ROA) | -1.6316% | 7,152 |
| Pretax return on assets | -1.6088% | 7,078 |
| Return on Equity (ROE) | -15.0239% | 7,106 |
| Retained earnings to average equity (ytd only) | -15.0239% | 7,079 |
| Net charge-offs to loans | 1.0389% | 1,946 |
| Credit loss provision to net charge-offs | 154.7372% | 2,483 |
| Earnings coverage of net charge-offs (x) | -0.6448% | 6,371 |
| Efficiency ratio | 112.2808% | 485 |
| Assets per employee ($millions) | 6.8635% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,567 |
| Loan loss allowance to noncurrent loans | 1,124.2915% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 7,077 |
| Noncurrent loans to loans | 0.1413% | 6,895 |
| Net loans and leases to total assets | 78.3127% | 981 |
| Net loans and leases to deposits | 91.5695% | 1,508 |
| Net loans and leases to core deposits | 104.2664% | 1,457 |
| Total domestic deposits to total assets | 85.5227% | 3,333 |
| Equity capital to assets | 11.9062% | 2,219 |
| Core capital (leverage) ratio | 10.9763% | 2,279 |
| Tier 1 risk-based capital ratio | 14.9591% | 3,269 |
| Total risk-based capital ratio | 16.2137% | 3,253 |
| Memoranda: | ||
| Average total assets | $449,775,000 | 1,503 |
| Average earning assets | $428,137,250 | 1,435 |
| Average equity | $48,845,250 | 1,377 |
| Average total loans | $334,590,250 | 1,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 4,029 |
| Cost of funding earning assets | 1.1380% | 5,472 |
| Net interest margin | 4.0457% | 2,813 |
| Noninterest income to average assets | 0.0957% | 7,114 |
| Noninterest expense to average assets | 4.8425% | 421 |
| Loan and lease loss provision to assets | 1.6502% | 782 |
| Net operating income to assets | -2.5702% | 7,434 |
| Return on assets (ROA) | -2.5702% | 7,443 |
| Pretax return on assets | -2.5477% | 7,377 |
| Return on Equity (ROE) | -24.4267% | 7,362 |
| Retained earnings to average equity (ytd only) | -24.4267% | 7,348 |
| Net charge-offs to loans | 0.6256% | 2,662 |
| Credit loss provision to net charge-offs | 362.7546% | 1,008 |
| Earnings coverage of net charge-offs (x) | -1.9728% | 6,206 |
| Efficiency ratio | 122.7491% | 381 |
| Assets per employee ($millions) | 6.6301% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 2,207 |
| Loan loss allowance to noncurrent loans | 315.6510% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 6,279 |
| Noncurrent loans to loans | 0.6312% | 5,984 |
| Net loans and leases to total assets | 72.4676% | 2,285 |
| Net loans and leases to deposits | 82.4427% | 3,193 |
| Net loans and leases to core deposits | 95.1293% | 2,570 |
| Total domestic deposits to total assets | 87.9006% | 2,053 |
| Equity capital to assets | 11.2664% | 2,618 |
| Core capital (leverage) ratio | 10.7264% | 2,448 |
| Tier 1 risk-based capital ratio | 14.2527% | 3,572 |
| Total risk-based capital ratio | 15.5111% | 3,538 |
| Memoranda: | ||
| Average total assets | $453,278,000 | 1,510 |
| Average earning assets | $431,272,000 | 1,443 |
| Average equity | $47,693,670 | 1,406 |
| Average total loans | $329,602,000 | 1,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 4,392 |
| Cost of funding earning assets | 1.2087% | 5,352 |
| Net interest margin | 3.9218% | 3,235 |
| Noninterest income to average assets | 0.0929% | 7,243 |
| Noninterest expense to average assets | 4.8854% | 399 |
| Loan and lease loss provision to assets | 0.6136% | 2,073 |
| Net operating income to assets | -1.6952% | 7,384 |
| Return on assets (ROA) | -1.6952% | 7,387 |
| Pretax return on assets | -1.6737% | 7,309 |
| Return on Equity (ROE) | -16.7238% | 7,361 |
| Retained earnings to average equity (ytd only) | -16.7238% | 7,268 |
| Net charge-offs to loans | 0.2862% | 3,262 |
| Credit loss provision to net charge-offs | 297.4026% | 1,336 |
| Earnings coverage of net charge-offs (x) | -5.1385% | 5,537 |
| Efficiency ratio | 127.7142% | 359 |
| Assets per employee ($millions) | 6.4648% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,772 |
| Loan loss allowance to noncurrent loans | 369.3795% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,792 |
| Noncurrent loans to loans | 0.3603% | 6,583 |
| Net loans and leases to total assets | 75.1063% | 1,716 |
| Net loans and leases to deposits | 86.6549% | 2,474 |
| Net loans and leases to core deposits | 98.9960% | 2,234 |
| Total domestic deposits to total assets | 86.6729% | 2,800 |
| Equity capital to assets | 12.2792% | 1,890 |
| Core capital (leverage) ratio | 11.9359% | 1,674 |
| Tier 1 risk-based capital ratio | 15.2019% | 3,006 |
| Total risk-based capital ratio | 16.4548% | 2,968 |
| Memoranda: | ||
| Average total assets | $447,865,000 | 1,562 |
| Average earning assets | $426,232,500 | 1,498 |
| Average equity | $45,396,500 | 1,483 |
| Average total loans | $322,822,000 | 1,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 7,737 |
| Cost of funding earning assets | 1.4065% | 5,907 |
| Net interest margin | 2.4756% | 7,446 |
| Noninterest income to average assets | 0.1137% | 7,189 |
| Noninterest expense to average assets | 9.9783% | 102 |
| Loan and lease loss provision to assets | 1.5402% | 1,496 |
| Net operating income to assets | -9.1646% | 7,961 |
| Return on assets (ROA) | -9.1562% | 7,962 |
| Pretax return on assets | -9.1343% | 7,951 |
| Return on Equity (ROE) | -60.9492% | 7,758 |
| Retained earnings to average equity (ytd only) | -60.9492% | 7,754 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 420.0032% | 42 |
| Assets per employee ($millions) | 4.7655% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,384 |
| Loan loss allowance to noncurrent loans | 323.4326% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 6,730 |
| Noncurrent loans to loans | 0.4237% | 6,423 |
| Net loans and leases to total assets | 67.0248% | 3,924 |
| Net loans and leases to deposits | 73.4131% | 5,134 |
| Net loans and leases to core deposits | 78.4485% | 6,229 |
| Total domestic deposits to total assets | 91.2982% | 435 |
| Equity capital to assets | 7.9480% | 6,633 |
| Core capital (leverage) ratio | 8.5207% | 5,249 |
| Tier 1 risk-based capital ratio | 10.6296% | 6,269 |
| Total risk-based capital ratio | 11.8827% | 6,239 |
| Memoranda: | ||
| Average total assets | $261,135,800 | 2,503 |
| Average earning assets | $238,609,600 | 2,514 |
| Average equity | $39,229,400 | 1,710 |
| Average total loans | $135,738,200 | 3,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 7,952 |
| Cost of funding earning assets | 1.3679% | 6,343 |
| Net interest margin | 1.9872% | 7,818 |
| Noninterest income to average assets | 0.0909% | 7,447 |
| Noninterest expense to average assets | 12.8710% | 78 |
| Loan and lease loss provision to assets | 1.5094% | 1,270 |
| Net operating income to assets | -12.5346% | 8,060 |
| Return on assets (ROA) | -12.5210% | 8,062 |
| Pretax return on assets | -12.5000% | 8,062 |
| Return on Equity (ROE) | -67.1083% | 7,922 |
| Retained earnings to average equity (ytd only) | -67.1083% | 7,918 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 689.4667% | 17 |
| Assets per employee ($millions) | 3.9793% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.8326% | 5,452 |
| Net loans and leases to deposits | 68.2562% | 6,110 |
| Net loans and leases to core deposits | 74.7267% | 6,685 |
| Total domestic deposits to total assets | 89.1239% | 1,142 |
| Equity capital to assets | 8.5543% | 6,180 |
| Core capital (leverage) ratio | 10.3555% | 2,917 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,921 |
| Total risk-based capital ratio | 13.0530% | 5,095 |
| Memoranda: | ||
| Average total assets | $215,621,250 | 3,020 |
| Average earning assets | $192,699,500 | 3,082 |
| Average equity | $40,230,500 | 1,683 |
| Average total loans | $94,378,500 | 4,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8749% | 8,085 |
| Cost of funding earning assets | 1.3176% | 6,743 |
| Net interest margin | 1.5573% | 8,003 |
| Noninterest income to average assets | 0.1112% | 7,427 |
| Noninterest expense to average assets | 18.0946% | 61 |
| Loan and lease loss provision to assets | 1.1930% | 1,441 |
| Net operating income to assets | -17.8275% | 8,168 |
| Return on assets (ROA) | -17.8275% | 8,166 |
| Pretax return on assets | -17.8178% | 8,165 |
| Return on Equity (ROE) | -68.2798% | 8,015 |
| Retained earnings to average equity (ytd only) | -68.2798% | 8,008 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,231.0855% | 16 |
| Assets per employee ($millions) | 2.9053% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.4385% | 7,658 |
| Net loans and leases to deposits | 45.2673% | 7,662 |
| Net loans and leases to core deposits | 49.7689% | 7,765 |
| Total domestic deposits to total assets | 82.7054% | 4,379 |
| Equity capital to assets | 13.8358% | 1,372 |
| Core capital (leverage) ratio | 16.9004% | 626 |
| Tier 1 risk-based capital ratio | 24.3360% | 995 |
| Total risk-based capital ratio | 25.0731% | 1,034 |
| Memoranda: | ||
| Average total assets | $165,463,330 | 3,714 |
| Average earning assets | $144,352,000 | 3,854 |
| Average equity | $43,201,670 | 1,575 |
| Average total loans | $50,754,330 | 5,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3043% | 8,174 |
| Cost of funding earning assets | 1.1319% | 7,461 |
| Net interest margin | 1.1724% | 8,135 |
| Noninterest income to average assets | 0.0681% | 7,725 |
| Noninterest expense to average assets | 26.1915% | 46 |
| Loan and lease loss provision to assets | 1.2055% | 1,074 |
| Net operating income to assets | -26.3550% | 8,232 |
| Return on assets (ROA) | -26.3550% | 8,228 |
| Pretax return on assets | -26.3413% | 8,228 |
| Return on Equity (ROE) | -66.2671% | 8,102 |
| Retained earnings to average equity (ytd only) | -66.2671% | 8,088 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,480.9677% | 6 |
| Assets per employee ($millions) | 1.4168% | 8,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.5825% | 7,991 |
| Net loans and leases to deposits | 37.1086% | 7,918 |
| Net loans and leases to core deposits | 39.5726% | 7,989 |
| Total domestic deposits to total assets | 71.6342% | 7,262 |
| Equity capital to assets | 26.8573% | 185 |
| Core capital (leverage) ratio | 37.7333% | 104 |
| Tier 1 risk-based capital ratio | 52.9996% | 175 |
| Total risk-based capital ratio | 53.5643% | 181 |
| Memoranda: | ||
| Average total assets | $117,458,000 | 4,716 |
| Average earning assets | $98,944,500 | 4,944 |
| Average equity | $46,714,000 | 1,479 |
| Average total loans | $26,639,500 | 6,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5290% | 8,282 |
| Cost of funding earning assets | 0.0213% | 8,285 |
| Net interest margin | 0.5077% | 8,263 |
| Noninterest income to average assets | 0.0013% | 8,104 |
| Noninterest expense to average assets | 23.4984% | 47 |
| Loan and lease loss provision to assets | 0.1403% | 5,558 |
| Net operating income to assets | -23.3340% | 8,302 |
| Return on assets (ROA) | -23.3340% | 8,302 |
| Pretax return on assets | -23.1909% | 8,302 |
| Return on Equity (ROE) | -34.6183% | 8,018 |
| Retained earnings to average equity (ytd only) | -34.6183% | 7,981 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,248.0597% | 2 |
| Assets per employee ($millions) | 0.8407% | 8,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 5,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 13.5756% | 8,200 |
| Net loans and leases to deposits | 46.0238% | 7,778 |
| Net loans and leases to core deposits | 51.8452% | 7,848 |
| Total domestic deposits to total assets | 29.4969% | 8,218 |
| Equity capital to assets | 67.4036% | 46 |
| Core capital (leverage) ratio | 189.8734% | 2 |
| Tier 1 risk-based capital ratio | 139.3241% | 55 |
| Total risk-based capital ratio | 139.6145% | 57 |
| Memoranda: | ||
| Average total assets | $74,818,000 | 5,881 |
| Average earning assets | $65,787,000 | 5,970 |
| Average equity | $50,430,000 | 1,339 |
| Average total loans | $10,262,000 | 7,924 |