Home > Heritage Bank of Florida > Performance and Condition Ratios
Heritage Bank of Florida, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 2,767 |
| Cost of funding earning assets | 1.2084% | 668 |
| Net interest margin | 3.5030% | 4,629 |
| Noninterest income to average assets | -0.6493% | 7,147 |
| Noninterest expense to average assets | 2.5690% | 4,851 |
| Loan and lease loss provision to assets | 4.2506% | 16 |
| Net operating income to assets | -4.3603% | 7,153 |
| Return on assets (ROA) | -4.3603% | 7,156 |
| Pretax return on assets | -4.3603% | 7,157 |
| Return on Equity (ROE) | -200.5690% | 7,176 |
| Retained earnings to average equity (ytd only) | -200.5690% | 7,176 |
| Net charge-offs to loans | 4.6631% | 53 |
| Credit loss provision to net charge-offs | 111.7809% | 2,620 |
| Earnings coverage of net charge-offs (x) | -0.0288% | 5,343 |
| Efficiency ratio | 104.4597% | 413 |
| Assets per employee ($millions) | 5.9336% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2651% | 121 |
| Loan loss allowance to noncurrent loans | 57.1001% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 13.8165% | 113 |
| Noncurrent loans to loans | 9.2208% | 293 |
| Net loans and leases to total assets | 76.1772% | 951 |
| Net loans and leases to deposits | 76.9167% | 2,830 |
| Net loans and leases to core deposits | 80.0901% | 3,196 |
| Total domestic deposits to total assets | 99.0385% | 1 |
| Equity capital to assets | 0.5526% | 7,177 |
| Core capital (leverage) ratio | 0.5393% | 7,179 |
| Tier 1 risk-based capital ratio | 0.7283% | 7,179 |
| Total risk-based capital ratio | 1.4566% | 7,179 |
| Memoranda: | ||
| Average total assets | $229,763,000 | 2,756 |
| Average earning assets | $203,895,750 | 2,830 |
| Average equity | $4,995,000 | 6,364 |
| Average total loans | $187,367,500 | 2,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 2,681 |
| Cost of funding earning assets | 1.2282% | 721 |
| Net interest margin | 3.5322% | 4,548 |
| Noninterest income to average assets | -0.9187% | 7,217 |
| Noninterest expense to average assets | 2.4222% | 5,378 |
| Loan and lease loss provision to assets | 6.3367% | 10 |
| Net operating income to assets | -6.5279% | 7,226 |
| Return on assets (ROA) | -6.5279% | 7,226 |
| Pretax return on assets | -6.5279% | 7,228 |
| Return on Equity (ROE) | -241.6781% | 7,236 |
| Retained earnings to average equity (ytd only) | -241.6781% | 7,236 |
| Net charge-offs to loans | 6.5105% | 28 |
| Credit loss provision to net charge-offs | 118.8159% | 2,318 |
| Earnings coverage of net charge-offs (x) | -0.0358% | 5,102 |
| Efficiency ratio | 108.5692% | 355 |
| Assets per employee ($millions) | 5.9705% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4172% | 113 |
| Loan loss allowance to noncurrent loans | 128.8791% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 9.4045% | 301 |
| Noncurrent loans to loans | 4.2033% | 1,299 |
| Net loans and leases to total assets | 76.4483% | 911 |
| Net loans and leases to deposits | 78.6778% | 2,568 |
| Net loans and leases to core deposits | 81.8392% | 2,985 |
| Total domestic deposits to total assets | 97.1663% | 16 |
| Equity capital to assets | 0.5351% | 7,238 |
| Core capital (leverage) ratio | 0.5165% | 7,238 |
| Tier 1 risk-based capital ratio | 0.6976% | 7,239 |
| Total risk-based capital ratio | 1.3951% | 7,239 |
| Memoranda: | ||
| Average total assets | $231,191,670 | 2,740 |
| Average earning assets | $206,161,000 | 2,807 |
| Average equity | $6,244,670 | 6,052 |
| Average total loans | $189,387,330 | 2,122 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 2,806 |
| Cost of funding earning assets | 1.2322% | 838 |
| Net interest margin | 3.5284% | 4,570 |
| Noninterest income to average assets | -0.2126% | 7,201 |
| Noninterest expense to average assets | 2.4273% | 5,381 |
| Loan and lease loss provision to assets | 0.5263% | 1,142 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 7.3787% | 38 |
| Credit loss provision to net charge-offs | 8.6503% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.0865% | 4,324 |
| Efficiency ratio | 82.1822% | 1,915 |
| Assets per employee ($millions) | 6.0068% | 1,280 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9249% | 893 |
| Loan loss allowance to noncurrent loans | 59.8766% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 9.6595% | 324 |
| Noncurrent loans to loans | 4.8849% | 1,161 |
| Net loans and leases to total assets | 78.3721% | 552 |
| Net loans and leases to deposits | 83.2695% | 1,759 |
| Net loans and leases to core deposits | 86.8574% | 2,190 |
| Total domestic deposits to total assets | 94.1187% | 87 |
| Equity capital to assets | 3.7393% | 7,200 |
| Core capital (leverage) ratio | 3.7610% | 7,195 |
| Tier 1 risk-based capital ratio | 4.8130% | 7,221 |
| Total risk-based capital ratio | 6.0849% | 7,224 |
| Memoranda: | ||
| Average total assets | $233,347,500 | 2,736 |
| Average earning assets | $209,388,500 | 2,785 |
| Average equity | $8,760,000 | 5,346 |
| Average total loans | $192,391,000 | 2,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 2,968 |
| Cost of funding earning assets | 1.4602% | 834 |
| Net interest margin | 3.5196% | 5,075 |
| Noninterest income to average assets | -0.0451% | 7,054 |
| Noninterest expense to average assets | 2.4625% | 5,590 |
| Loan and lease loss provision to assets | 2.5685% | 169 |
| Net operating income to assets | -1.9281% | 7,018 |
| Return on assets (ROA) | -1.9281% | 7,026 |
| Pretax return on assets | -1.9281% | 7,006 |
| Return on Equity (ROE) | -34.0930% | 7,124 |
| Retained earnings to average equity (ytd only) | -34.0930% | 7,118 |
| Net charge-offs to loans | 3.0569% | 309 |
| Credit loss provision to net charge-offs | 101.3956% | 3,426 |
| Earnings coverage of net charge-offs (x) | 0.2528% | 5,638 |
| Efficiency ratio | 79.3609% | 2,393 |
| Assets per employee ($millions) | 5.8107% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4845% | 260 |
| Loan loss allowance to noncurrent loans | 64.7241% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 10.6360% | 288 |
| Noncurrent loans to loans | 6.9287% | 643 |
| Net loans and leases to total assets | 80.4017% | 453 |
| Net loans and leases to deposits | 85.4306% | 1,741 |
| Net loans and leases to core deposits | 89.2389% | 2,229 |
| Total domestic deposits to total assets | 94.1134% | 88 |
| Equity capital to assets | 3.7689% | 7,235 |
| Core capital (leverage) ratio | 3.5691% | 7,235 |
| Tier 1 risk-based capital ratio | 4.7506% | 7,254 |
| Total risk-based capital ratio | 6.0440% | 7,253 |
| Memoranda: | ||
| Average total assets | $246,095,200 | 2,569 |
| Average earning assets | $220,111,800 | 2,610 |
| Average equity | $13,917,800 | 4,125 |
| Average total loans | $203,929,000 | 2,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 3,070 |
| Cost of funding earning assets | 1.4974% | 871 |
| Net interest margin | 3.5059% | 5,164 |
| Noninterest income to average assets | -0.0305% | 7,141 |
| Noninterest expense to average assets | 2.2507% | 6,165 |
| Loan and lease loss provision to assets | 3.0186% | 107 |
| Net operating income to assets | -1.3626% | 7,005 |
| Return on assets (ROA) | -1.3626% | 7,025 |
| Pretax return on assets | -2.1807% | 7,157 |
| Return on Equity (ROE) | -22.3572% | 7,127 |
| Retained earnings to average equity (ytd only) | -22.3572% | 7,116 |
| Net charge-offs to loans | 4.1870% | 145 |
| Credit loss provision to net charge-offs | 87.3242% | 3,880 |
| Earnings coverage of net charge-offs (x) | 0.2424% | 5,417 |
| Efficiency ratio | 72.8720% | 3,387 |
| Assets per employee ($millions) | 6.1680% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9177% | 420 |
| Loan loss allowance to noncurrent loans | 67.7489% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 9.0438% | 438 |
| Noncurrent loans to loans | 5.7826% | 990 |
| Net loans and leases to total assets | 78.2021% | 689 |
| Net loans and leases to deposits | 84.9264% | 1,850 |
| Net loans and leases to core deposits | 88.1561% | 2,464 |
| Total domestic deposits to total assets | 92.0821% | 203 |
| Equity capital to assets | 5.9156% | 7,197 |
| Core capital (leverage) ratio | 3.8831% | 7,310 |
| Tier 1 risk-based capital ratio | 4.9726% | 7,323 |
| Total risk-based capital ratio | 6.2583% | 7,323 |
| Memoranda: | ||
| Average total assets | $249,512,000 | 2,536 |
| Average earning assets | $221,981,750 | 2,604 |
| Average equity | $15,207,250 | 3,876 |
| Average total loans | $205,998,750 | 2,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 2,990 |
| Cost of funding earning assets | 1.5299% | 896 |
| Net interest margin | 3.5065% | 5,131 |
| Noninterest income to average assets | 0.2180% | 6,108 |
| Noninterest expense to average assets | 2.1714% | 6,449 |
| Loan and lease loss provision to assets | 4.5104% | 57 |
| Net operating income to assets | -2.0771% | 7,205 |
| Return on assets (ROA) | -2.0771% | 7,212 |
| Pretax return on assets | -3.3301% | 7,343 |
| Return on Equity (ROE) | -33.7544% | 7,273 |
| Retained earnings to average equity (ytd only) | -33.7544% | 7,266 |
| Net charge-offs to loans | 6.1031% | 80 |
| Credit loss provision to net charge-offs | 89.0992% | 3,478 |
| Earnings coverage of net charge-offs (x) | 0.2332% | 5,132 |
| Efficiency ratio | 64.7844% | 5,095 |
| Assets per employee ($millions) | 6.2096% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9220% | 440 |
| Loan loss allowance to noncurrent loans | 48.0413% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 10.6626% | 343 |
| Noncurrent loans to loans | 8.1637% | 543 |
| Net loans and leases to total assets | 78.8632% | 665 |
| Net loans and leases to deposits | 85.5171% | 1,857 |
| Net loans and leases to core deposits | 90.8131% | 2,280 |
| Total domestic deposits to total assets | 92.2192% | 196 |
| Equity capital to assets | 5.8555% | 7,262 |
| Core capital (leverage) ratio | 3.8131% | 7,388 |
| Tier 1 risk-based capital ratio | 4.7255% | 7,408 |
| Total risk-based capital ratio | 6.0103% | 7,407 |
| Memoranda: | ||
| Average total assets | $250,442,330 | 2,544 |
| Average earning assets | $223,812,330 | 2,598 |
| Average equity | $15,411,330 | 3,836 |
| Average total loans | $207,729,000 | 2,020 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 2,580 |
| Cost of funding earning assets | 1.5630% | 940 |
| Net interest margin | 3.5520% | 4,805 |
| Noninterest income to average assets | 0.2259% | 6,112 |
| Noninterest expense to average assets | 2.2969% | 6,196 |
| Loan and lease loss provision to assets | 7.7559% | 27 |
| Net operating income to assets | -4.1356% | 7,450 |
| Return on assets (ROA) | -4.1356% | 7,454 |
| Pretax return on assets | -6.6313% | 7,516 |
| Return on Equity (ROE) | -65.6358% | 7,459 |
| Retained earnings to average equity (ytd only) | -65.6358% | 7,450 |
| Net charge-offs to loans | 11.2681% | 29 |
| Credit loss provision to net charge-offs | 82.5601% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.1197% | 4,510 |
| Efficiency ratio | 67.1316% | 4,821 |
| Assets per employee ($millions) | 6.7314% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7113% | 524 |
| Loan loss allowance to noncurrent loans | 53.7258% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 8.9098% | 488 |
| Noncurrent loans to loans | 6.9079% | 816 |
| Net loans and leases to total assets | 79.7626% | 532 |
| Net loans and leases to deposits | 86.4821% | 1,655 |
| Net loans and leases to core deposits | 89.4643% | 2,412 |
| Total domestic deposits to total assets | 92.2301% | 233 |
| Equity capital to assets | 5.8399% | 7,304 |
| Core capital (leverage) ratio | 3.7978% | 7,452 |
| Tier 1 risk-based capital ratio | 4.8693% | 7,464 |
| Total risk-based capital ratio | 6.0488% | 7,466 |
| Memoranda: | ||
| Average total assets | $251,472,500 | 2,558 |
| Average earning assets | $226,238,000 | 2,590 |
| Average equity | $15,845,000 | 3,747 |
| Average total loans | $209,654,500 | 2,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 3,871 |
| Cost of funding earning assets | 1.9953% | 617 |
| Net interest margin | 3.1515% | 6,385 |
| Noninterest income to average assets | 0.2137% | 6,282 |
| Noninterest expense to average assets | 2.0905% | 6,871 |
| Loan and lease loss provision to assets | 5.5285% | 54 |
| Net operating income to assets | -2.8135% | 7,248 |
| Return on assets (ROA) | -2.8135% | 7,273 |
| Pretax return on assets | -4.5114% | 7,499 |
| Return on Equity (ROE) | -36.7220% | 7,309 |
| Retained earnings to average equity (ytd only) | -36.7220% | 7,299 |
| Net charge-offs to loans | 4.0888% | 305 |
| Credit loss provision to net charge-offs | 166.5491% | 2,052 |
| Earnings coverage of net charge-offs (x) | 0.3064% | 5,803 |
| Efficiency ratio | 67.2701% | 4,709 |
| Assets per employee ($millions) | 6.8617% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0785% | 371 |
| Loan loss allowance to noncurrent loans | 55.2819% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 9.2129% | 481 |
| Noncurrent loans to loans | 7.3777% | 742 |
| Net loans and leases to total assets | 80.4728% | 600 |
| Net loans and leases to deposits | 88.0888% | 1,776 |
| Net loans and leases to core deposits | 91.0942% | 2,606 |
| Total domestic deposits to total assets | 91.3543% | 439 |
| Equity capital to assets | 6.7531% | 7,189 |
| Core capital (leverage) ratio | 5.8761% | 7,316 |
| Tier 1 risk-based capital ratio | 7.8313% | 7,359 |
| Total risk-based capital ratio | 9.1203% | 7,363 |
| Memoranda: | ||
| Average total assets | $264,865,200 | 2,404 |
| Average earning assets | $243,219,600 | 2,402 |
| Average equity | $20,293,000 | 3,108 |
| Average total loans | $215,029,000 | 2,014 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 3,899 |
| Cost of funding earning assets | 2.0874% | 565 |
| Net interest margin | 3.0995% | 6,616 |
| Noninterest income to average assets | 0.2332% | 6,218 |
| Noninterest expense to average assets | 1.7876% | 7,339 |
| Loan and lease loss provision to assets | 7.0454% | 24 |
| Net operating income to assets | -3.5822% | 7,529 |
| Return on assets (ROA) | -3.5822% | 7,544 |
| Pretax return on assets | -5.7435% | 7,682 |
| Return on Equity (ROE) | -45.4764% | 7,533 |
| Retained earnings to average equity (ytd only) | -45.4764% | 7,531 |
| Net charge-offs to loans | 4.2473% | 267 |
| Credit loss provision to net charge-offs | 205.9569% | 1,721 |
| Earnings coverage of net charge-offs (x) | 0.3806% | 5,647 |
| Efficiency ratio | 57.8616% | 6,291 |
| Assets per employee ($millions) | 7.2641% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7044% | 217 |
| Loan loss allowance to noncurrent loans | 78.8030% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 6.6458% | 848 |
| Noncurrent loans to loans | 5.9698% | 1,049 |
| Net loans and leases to total assets | 76.2119% | 1,365 |
| Net loans and leases to deposits | 83.1039% | 2,888 |
| Net loans and leases to core deposits | 87.0595% | 3,514 |
| Total domestic deposits to total assets | 91.7068% | 254 |
| Equity capital to assets | 6.4765% | 7,431 |
| Core capital (leverage) ratio | 6.4075% | 7,358 |
| Tier 1 risk-based capital ratio | 7.8592% | 7,493 |
| Total risk-based capital ratio | 9.1500% | 7,490 |
| Memoranda: | ||
| Average total assets | $267,611,000 | 2,418 |
| Average earning assets | $246,611,000 | 2,407 |
| Average equity | $21,080,000 | 3,041 |
| Average total loans | $215,538,000 | 2,041 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3059% | 3,444 |
| Cost of funding earning assets | 2.2012% | 466 |
| Net interest margin | 3.1047% | 6,599 |
| Noninterest income to average assets | 0.2238% | 6,317 |
| Noninterest expense to average assets | 1.7596% | 7,439 |
| Loan and lease loss provision to assets | 9.7678% | 8 |
| Net operating income to assets | -5.2316% | 7,704 |
| Return on assets (ROA) | -5.2316% | 7,708 |
| Pretax return on assets | -8.4386% | 7,791 |
| Return on Equity (ROE) | -62.6784% | 7,663 |
| Retained earnings to average equity (ytd only) | -62.6784% | 7,661 |
| Net charge-offs to loans | 6.3050% | 117 |
| Credit loss provision to net charge-offs | 191.8983% | 2,053 |
| Earnings coverage of net charge-offs (x) | 0.2611% | 5,464 |
| Efficiency ratio | 56.9663% | 6,512 |
| Assets per employee ($millions) | 6.8181% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2337% | 310 |
| Loan loss allowance to noncurrent loans | 179.7626% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 3.7343% | 1,871 |
| Noncurrent loans to loans | 2.3551% | 3,310 |
| Net loans and leases to total assets | 79.3366% | 899 |
| Net loans and leases to deposits | 86.9030% | 2,356 |
| Net loans and leases to core deposits | 95.3961% | 2,521 |
| Total domestic deposits to total assets | 91.2932% | 389 |
| Equity capital to assets | 6.7958% | 7,412 |
| Core capital (leverage) ratio | 6.6019% | 7,346 |
| Tier 1 risk-based capital ratio | 7.7904% | 7,540 |
| Total risk-based capital ratio | 9.0744% | 7,544 |
| Memoranda: | ||
| Average total assets | $267,223,670 | 2,442 |
| Average earning assets | $246,592,670 | 2,426 |
| Average equity | $22,304,330 | 2,883 |
| Average total loans | $215,734,330 | 2,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 3,586 |
| Cost of funding earning assets | 2.3270% | 395 |
| Net interest margin | 2.9652% | 6,907 |
| Noninterest income to average assets | 0.1887% | 6,611 |
| Noninterest expense to average assets | 1.7103% | 7,572 |
| Loan and lease loss provision to assets | 0.9584% | 1,310 |
| Net operating income to assets | 0.1651% | 5,808 |
| Return on assets (ROA) | 0.1651% | 5,937 |
| Pretax return on assets | 0.2669% | 5,695 |
| Return on Equity (ROE) | 1.8172% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.8172% | 5,027 |
| Net charge-offs to loans | 1.2354% | 1,375 |
| Credit loss provision to net charge-offs | 97.3054% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.2440% | 4,014 |
| Efficiency ratio | 58.2622% | 6,448 |
| Assets per employee ($millions) | 7.1800% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,912 |
| Loan loss allowance to noncurrent loans | 57.1458% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.3221% | 2,153 |
| Noncurrent loans to loans | 2.2820% | 3,411 |
| Net loans and leases to total assets | 78.1952% | 1,112 |
| Net loans and leases to deposits | 89.5690% | 1,973 |
| Net loans and leases to core deposits | 98.3021% | 2,313 |
| Total domestic deposits to total assets | 87.3017% | 2,464 |
| Equity capital to assets | 9.0563% | 5,193 |
| Core capital (leverage) ratio | 8.9836% | 4,596 |
| Tier 1 risk-based capital ratio | 10.9698% | 6,189 |
| Total risk-based capital ratio | 12.2213% | 6,157 |
| Memoranda: | ||
| Average total assets | $271,292,500 | 2,460 |
| Average earning assets | $251,313,500 | 2,438 |
| Average equity | $24,653,000 | 2,646 |
| Average total loans | $216,283,000 | 2,111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 2,944 |
| Cost of funding earning assets | 2.9959% | 234 |
| Net interest margin | 2.7364% | 7,159 |
| Noninterest income to average assets | 0.1917% | 6,724 |
| Noninterest expense to average assets | 1.6834% | 7,711 |
| Loan and lease loss provision to assets | 0.6276% | 3,297 |
| Net operating income to assets | 0.2755% | 4,622 |
| Return on assets (ROA) | 0.2755% | 4,715 |
| Pretax return on assets | 0.4440% | 4,367 |
| Return on Equity (ROE) | 2.9348% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.9348% | 3,112 |
| Net charge-offs to loans | 0.6592% | 3,211 |
| Credit loss provision to net charge-offs | 115.8345% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.9779% | 4,237 |
| Efficiency ratio | 61.1025% | 6,318 |
| Assets per employee ($millions) | 7.2904% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,693 |
| Loan loss allowance to noncurrent loans | 59.8145% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.2894% | 2,087 |
| Noncurrent loans to loans | 2.1918% | 3,398 |
| Net loans and leases to total assets | 79.1719% | 1,150 |
| Net loans and leases to deposits | 92.7704% | 1,773 |
| Net loans and leases to core deposits | 129.0278% | 1,330 |
| Total domestic deposits to total assets | 85.3418% | 3,390 |
| Equity capital to assets | 9.1186% | 4,958 |
| Core capital (leverage) ratio | 9.0551% | 4,332 |
| Tier 1 risk-based capital ratio | 10.8668% | 6,048 |
| Total risk-based capital ratio | 12.1201% | 6,012 |
| Memoranda: | ||
| Average total assets | $258,765,600 | 2,532 |
| Average earning assets | $242,401,400 | 2,480 |
| Average equity | $24,294,800 | 2,686 |
| Average total loans | $212,695,200 | 2,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 2,892 |
| Cost of funding earning assets | 3.0919% | 251 |
| Net interest margin | 2.7079% | 7,200 |
| Noninterest income to average assets | 0.1979% | 6,802 |
| Noninterest expense to average assets | 1.6858% | 7,775 |
| Loan and lease loss provision to assets | 0.5208% | 3,306 |
| Net operating income to assets | 0.3328% | 4,667 |
| Return on assets (ROA) | 0.3328% | 4,770 |
| Pretax return on assets | 0.5369% | 4,407 |
| Return on Equity (ROE) | 3.5178% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.5178% | 3,324 |
| Net charge-offs to loans | 0.4930% | 3,257 |
| Credit loss provision to net charge-offs | 127.7139% | 3,930 |
| Earnings coverage of net charge-offs (x) | 2.5939% | 3,927 |
| Efficiency ratio | 61.4465% | 6,204 |
| Assets per employee ($millions) | 7.0882% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 4,265 |
| Loan loss allowance to noncurrent loans | 58.9263% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 3.2118% | 2,112 |
| Noncurrent loans to loans | 2.2728% | 3,303 |
| Net loans and leases to total assets | 77.4529% | 1,677 |
| Net loans and leases to deposits | 91.6085% | 2,308 |
| Net loans and leases to core deposits | 127.8801% | 1,591 |
| Total domestic deposits to total assets | 84.5477% | 3,453 |
| Equity capital to assets | 9.1048% | 5,324 |
| Core capital (leverage) ratio | 9.2857% | 4,209 |
| Tier 1 risk-based capital ratio | 10.8186% | 6,133 |
| Total risk-based capital ratio | 12.0679% | 6,097 |
| Memoranda: | ||
| Average total assets | $256,020,500 | 2,562 |
| Average earning assets | $240,669,750 | 2,510 |
| Average equity | $24,219,250 | 2,715 |
| Average total loans | $211,769,000 | 2,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 2,303 |
| Cost of funding earning assets | 3.1834% | 281 |
| Net interest margin | 2.7861% | 7,039 |
| Noninterest income to average assets | 0.1773% | 7,027 |
| Noninterest expense to average assets | 1.6472% | 7,884 |
| Loan and lease loss provision to assets | 0.5597% | 2,785 |
| Net operating income to assets | 0.3705% | 4,620 |
| Return on assets (ROA) | 0.3705% | 4,718 |
| Pretax return on assets | 0.5962% | 4,333 |
| Return on Equity (ROE) | 3.8644% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.8644% | 3,135 |
| Net charge-offs to loans | 0.3644% | 3,361 |
| Credit loss provision to net charge-offs | 182.3834% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.7668% | 3,315 |
| Efficiency ratio | 58.7635% | 6,729 |
| Assets per employee ($millions) | 6.7230% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 3,817 |
| Loan loss allowance to noncurrent loans | 39.8235% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 2,169 |
| Noncurrent loans to loans | 3.4754% | 2,024 |
| Net loans and leases to total assets | 81.8037% | 988 |
| Net loans and leases to deposits | 99.0399% | 1,385 |
| Net loans and leases to core deposits | 142.4769% | 915 |
| Total domestic deposits to total assets | 82.5967% | 4,426 |
| Equity capital to assets | 9.5317% | 4,566 |
| Core capital (leverage) ratio | 9.4908% | 3,901 |
| Tier 1 risk-based capital ratio | 10.3880% | 6,493 |
| Total risk-based capital ratio | 11.6392% | 6,431 |
| Memoranda: | ||
| Average total assets | $251,576,670 | 2,615 |
| Average earning assets | $237,107,330 | 2,554 |
| Average equity | $24,117,670 | 2,742 |
| Average total loans | $211,874,330 | 2,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2060% | 1,583 |
| Cost of funding earning assets | 3.2237% | 321 |
| Net interest margin | 2.9823% | 6,525 |
| Noninterest income to average assets | 0.1731% | 7,070 |
| Noninterest expense to average assets | 1.7867% | 7,717 |
| Loan and lease loss provision to assets | 0.6009% | 2,098 |
| Net operating income to assets | 0.3718% | 4,970 |
| Return on assets (ROA) | 0.3718% | 5,153 |
| Pretax return on assets | 0.5961% | 4,765 |
| Return on Equity (ROE) | 3.8665% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.8665% | 3,737 |
| Net charge-offs to loans | 0.3776% | 2,584 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 3.7350% | 3,083 |
| Efficiency ratio | 59.8818% | 6,424 |
| Assets per employee ($millions) | 6.9559% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 3,972 |
| Loan loss allowance to noncurrent loans | 67.0591% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 3,261 |
| Noncurrent loans to loans | 1.9659% | 3,311 |
| Net loans and leases to total assets | 81.1761% | 1,166 |
| Net loans and leases to deposits | 98.9781% | 1,535 |
| Net loans and leases to core deposits | 145.8522% | 868 |
| Total domestic deposits to total assets | 82.0142% | 4,542 |
| Equity capital to assets | 9.3706% | 4,844 |
| Core capital (leverage) ratio | 9.7588% | 3,680 |
| Tier 1 risk-based capital ratio | 10.8031% | 6,092 |
| Total risk-based capital ratio | 12.0533% | 5,991 |
| Memoranda: | ||
| Average total assets | $249,627,500 | 2,650 |
| Average earning assets | $235,256,500 | 2,583 |
| Average equity | $24,001,000 | 2,767 |
| Average total loans | $211,851,000 | 2,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2859% | 610 |
| Cost of funding earning assets | 3.6071% | 381 |
| Net interest margin | 3.6788% | 4,557 |
| Noninterest income to average assets | 0.2251% | 6,831 |
| Noninterest expense to average assets | 1.8362% | 7,708 |
| Loan and lease loss provision to assets | 0.3699% | 3,461 |
| Net operating income to assets | 0.9443% | 2,813 |
| Return on assets (ROA) | 0.9443% | 2,671 |
| Pretax return on assets | 1.4936% | 1,704 |
| Return on Equity (ROE) | 9.1409% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.3527% | 1,033 |
| Net charge-offs to loans | 0.2903% | 3,465 |
| Credit loss provision to net charge-offs | 141.9966% | 3,732 |
| Earnings coverage of net charge-offs (x) | 7.1532% | 3,175 |
| Efficiency ratio | 49.6303% | 7,686 |
| Assets per employee ($millions) | 6.5374% | 872 |
| Cash dividends to net income (ytd only)* | 19.5632% | 4,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,282 |
| Loan loss allowance to noncurrent loans | 71.9076% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 2,822 |
| Noncurrent loans to loans | 1.7161% | 3,194 |
| Net loans and leases to total assets | 86.5585% | 532 |
| Net loans and leases to deposits | 107.9905% | 977 |
| Net loans and leases to core deposits | 169.1608% | 418 |
| Total domestic deposits to total assets | 80.1538% | 4,958 |
| Equity capital to assets | 9.8745% | 4,189 |
| Core capital (leverage) ratio | 10.0889% | 3,367 |
| Tier 1 risk-based capital ratio | 11.4552% | 5,282 |
| Total risk-based capital ratio | 12.7098% | 5,177 |
| Memoranda: | ||
| Average total assets | $223,015,600 | 2,840 |
| Average earning assets | $210,638,400 | 2,767 |
| Average equity | $23,039,200 | 2,843 |
| Average total loans | $200,128,400 | 2,299 |