Home > Heritage Bank of North Florida > Performance and Condition Ratios
Heritage Bank of North Florida, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 5,434 |
| Cost of funding earning assets | 0.6431% | 2,717 |
| Net interest margin | 2.9632% | 5,668 |
| Noninterest income to average assets | 0.1452% | 6,375 |
| Noninterest expense to average assets | 5.2874% | 300 |
| Loan and lease loss provision to assets | 17.7762% | 1 |
| Net operating income to assets | -20.2933% | 7,017 |
| Return on assets (ROA) | -20.2933% | 7,017 |
| Pretax return on assets | -20.2933% | 7,017 |
| Return on Equity (ROE) | 4,037.0370% | 1 |
| Retained earnings to average equity (ytd only) | 4,037.0370% | 1 |
| Net charge-offs to loans | 9.2021% | 14 |
| Credit loss provision to net charge-offs | 248.0000% | 933 |
| Earnings coverage of net charge-offs (x) | -0.3512% | 3,903 |
| Efficiency ratio | 190.8602% | 43 |
| Assets per employee ($millions) | 4.1584% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3998% | 25 |
| Loan loss allowance to noncurrent loans | 22.1473% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 35.3655% | 2 |
| Noncurrent loans to loans | 37.9269% | 3 |
| Net loans and leases to total assets | 71.3611% | 1,461 |
| Net loans and leases to deposits | 69.7587% | 3,522 |
| Net loans and leases to core deposits | 70.3021% | 4,039 |
| Total domestic deposits to total assets | 102.2970% | 1 |
| Equity capital to assets | -3.1512% | 7,019 |
| Core capital (leverage) ratio | -3.1229% | 7,019 |
| Tier 1 risk-based capital ratio | -4.0509% | 7,017 |
| Total risk-based capital ratio | -4.0509% | 7,017 |
| Memoranda: | ||
| Average total assets | $107,424,500 | 4,668 |
| Average earning assets | $95,168,500 | 4,760 |
| Average equity | $-540,000 | 7,019 |
| Average total loans | $83,677,000 | 3,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 3,397 |
| Cost of funding earning assets | 0.7941% | 2,712 |
| Net interest margin | 3.7041% | 3,624 |
| Noninterest income to average assets | 0.0989% | 6,510 |
| Noninterest expense to average assets | 3.2749% | 2,410 |
| Loan and lease loss provision to assets | 1.7450% | 150 |
| Net operating income to assets | -1.6335% | 6,885 |
| Return on assets (ROA) | -1.4824% | 6,861 |
| Pretax return on assets | -1.4824% | 6,840 |
| Return on Equity (ROE) | -53.4116% | 7,025 |
| Retained earnings to average equity (ytd only) | -53.4116% | 7,021 |
| Net charge-offs to loans | 2.9591% | 176 |
| Credit loss provision to net charge-offs | 79.2101% | 3,860 |
| Earnings coverage of net charge-offs (x) | 0.0506% | 5,466 |
| Efficiency ratio | 96.7064% | 679 |
| Assets per employee ($millions) | 4.4356% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5783% | 174 |
| Loan loss allowance to noncurrent loans | 19.7740% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 24.1052% | 15 |
| Noncurrent loans to loans | 23.1532% | 15 |
| Net loans and leases to total assets | 74.3176% | 1,150 |
| Net loans and leases to deposits | 75.9882% | 2,812 |
| Net loans and leases to core deposits | 76.2131% | 3,501 |
| Total domestic deposits to total assets | 97.8014% | 7 |
| Equity capital to assets | 1.9804% | 7,068 |
| Core capital (leverage) ratio | 1.7507% | 7,069 |
| Tier 1 risk-based capital ratio | 2.2281% | 7,072 |
| Total risk-based capital ratio | 3.5149% | 7,071 |
| Memoranda: | ||
| Average total assets | $126,416,600 | 4,220 |
| Average earning assets | $112,201,000 | 4,286 |
| Average equity | $3,508,600 | 6,687 |
| Average total loans | $94,116,600 | 3,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 3,281 |
| Cost of funding earning assets | 0.8225% | 2,755 |
| Net interest margin | 3.7588% | 3,508 |
| Noninterest income to average assets | 0.1668% | 6,305 |
| Noninterest expense to average assets | 3.3031% | 2,269 |
| Loan and lease loss provision to assets | 1.3835% | 242 |
| Net operating income to assets | -1.1809% | 6,902 |
| Return on assets (ROA) | -0.9854% | 6,887 |
| Pretax return on assets | -0.9854% | 6,862 |
| Return on Equity (ROE) | -33.4650% | 7,077 |
| Retained earnings to average equity (ytd only) | -33.4650% | 7,069 |
| Net charge-offs to loans | 1.1146% | 908 |
| Credit loss provision to net charge-offs | 168.3686% | 1,653 |
| Earnings coverage of net charge-offs (x) | 0.2466% | 5,204 |
| Efficiency ratio | 94.2207% | 760 |
| Assets per employee ($millions) | 5.0871% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6678% | 90 |
| Loan loss allowance to noncurrent loans | 35.2309% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 17.8388% | 59 |
| Noncurrent loans to loans | 16.0877% | 83 |
| Net loans and leases to total assets | 66.4934% | 2,563 |
| Net loans and leases to deposits | 68.4000% | 4,113 |
| Net loans and leases to core deposits | 68.5764% | 4,659 |
| Total domestic deposits to total assets | 97.2126% | 13 |
| Equity capital to assets | 2.4713% | 7,152 |
| Core capital (leverage) ratio | 2.3384% | 7,154 |
| Tier 1 risk-based capital ratio | 2.9969% | 7,157 |
| Total risk-based capital ratio | 4.2959% | 7,157 |
| Memoranda: | ||
| Average total assets | $130,298,500 | 4,181 |
| Average earning assets | $115,743,000 | 4,253 |
| Average equity | $3,836,750 | 6,684 |
| Average total loans | $96,054,750 | 3,653 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 2,953 |
| Cost of funding earning assets | 0.8788% | 2,574 |
| Net interest margin | 3.8119% | 3,306 |
| Noninterest income to average assets | 0.1508% | 6,441 |
| Noninterest expense to average assets | 3.5252% | 1,734 |
| Loan and lease loss provision to assets | 0.7188% | 741 |
| Net operating income to assets | -0.7111% | 6,822 |
| Return on assets (ROA) | -0.7111% | 6,859 |
| Pretax return on assets | -0.7111% | 6,825 |
| Return on Equity (ROE) | -22.9597% | 7,058 |
| Retained earnings to average equity (ytd only) | -22.9597% | 7,041 |
| Net charge-offs to loans | 1.2404% | 867 |
| Credit loss provision to net charge-offs | 77.5041% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 5,075 |
| Efficiency ratio | 99.7845% | 569 |
| Assets per employee ($millions) | 5.0642% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6150% | 212 |
| Loan loss allowance to noncurrent loans | 43.4933% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 14.3778% | 113 |
| Noncurrent loans to loans | 10.6109% | 233 |
| Net loans and leases to total assets | 71.7484% | 1,598 |
| Net loans and leases to deposits | 74.1720% | 3,267 |
| Net loans and leases to core deposits | 74.3639% | 3,971 |
| Total domestic deposits to total assets | 96.7324% | 24 |
| Equity capital to assets | 2.9754% | 7,183 |
| Core capital (leverage) ratio | 2.6782% | 7,193 |
| Tier 1 risk-based capital ratio | 3.3909% | 7,203 |
| Total risk-based capital ratio | 4.6778% | 7,203 |
| Memoranda: | ||
| Average total assets | $131,338,670 | 4,179 |
| Average earning assets | $116,528,670 | 4,259 |
| Average equity | $4,068,000 | 6,660 |
| Average total loans | $98,191,000 | 3,619 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 3,060 |
| Cost of funding earning assets | 0.9594% | 2,236 |
| Net interest margin | 3.7397% | 3,634 |
| Noninterest income to average assets | 0.1915% | 6,237 |
| Noninterest expense to average assets | 3.1861% | 2,647 |
| Loan and lease loss provision to assets | 0.2244% | 2,704 |
| Net operating income to assets | 0.0927% | 6,248 |
| Return on assets (ROA) | 0.0927% | 6,374 |
| Pretax return on assets | 0.0927% | 6,394 |
| Return on Equity (ROE) | 2.9394% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.9394% | 4,782 |
| Net charge-offs to loans | 2.7330% | 282 |
| Credit loss provision to net charge-offs | 11.0132% | 3,891 |
| Earnings coverage of net charge-offs (x) | 0.1557% | 4,293 |
| Efficiency ratio | 90.9479% | 1,021 |
| Assets per employee ($millions) | 5.1870% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0311% | 361 |
| Loan loss allowance to noncurrent loans | 39.0198% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 14.8025% | 108 |
| Noncurrent loans to loans | 10.3310% | 284 |
| Net loans and leases to total assets | 69.2871% | 1,890 |
| Net loans and leases to deposits | 71.7102% | 3,470 |
| Net loans and leases to core deposits | 71.8840% | 4,170 |
| Total domestic deposits to total assets | 96.6210% | 26 |
| Equity capital to assets | 3.1529% | 7,230 |
| Core capital (leverage) ratio | 2.9882% | 7,236 |
| Tier 1 risk-based capital ratio | 3.6916% | 7,255 |
| Total risk-based capital ratio | 4.9710% | 7,255 |
| Memoranda: | ||
| Average total assets | $133,705,500 | 4,149 |
| Average earning assets | $118,406,500 | 4,240 |
| Average equity | $4,218,500 | 6,658 |
| Average total loans | $99,670,500 | 3,602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 3,160 |
| Cost of funding earning assets | 1.3101% | 1,433 |
| Net interest margin | 3.6289% | 4,614 |
| Noninterest income to average assets | 0.3909% | 4,692 |
| Noninterest expense to average assets | 3.2881% | 2,556 |
| Loan and lease loss provision to assets | 1.2649% | 663 |
| Net operating income to assets | -0.9545% | 6,719 |
| Return on assets (ROA) | -0.9296% | 6,738 |
| Pretax return on assets | -0.9296% | 6,705 |
| Return on Equity (ROE) | -25.7858% | 7,054 |
| Retained earnings to average equity (ytd only) | -25.7858% | 7,044 |
| Net charge-offs to loans | 1.8171% | 805 |
| Credit loss provision to net charge-offs | 89.1181% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.2187% | 5,664 |
| Efficiency ratio | 91.3751% | 1,087 |
| Assets per employee ($millions) | 5.0980% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4443% | 264 |
| Loan loss allowance to noncurrent loans | 32.5926% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 17.4720% | 80 |
| Noncurrent loans to loans | 13.6358% | 161 |
| Net loans and leases to total assets | 73.5139% | 1,354 |
| Net loans and leases to deposits | 76.0855% | 3,165 |
| Net loans and leases to core deposits | 76.4329% | 3,918 |
| Total domestic deposits to total assets | 96.6201% | 27 |
| Equity capital to assets | 3.1573% | 7,268 |
| Core capital (leverage) ratio | 2.9592% | 7,272 |
| Tier 1 risk-based capital ratio | 3.5749% | 7,295 |
| Total risk-based capital ratio | 4.8594% | 7,296 |
| Memoranda: | ||
| Average total assets | $136,615,400 | 4,040 |
| Average earning assets | $120,754,200 | 4,119 |
| Average equity | $4,925,200 | 6,468 |
| Average total loans | $106,706,200 | 3,455 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 2,956 |
| Cost of funding earning assets | 1.3733% | 1,352 |
| Net interest margin | 3.6538% | 4,550 |
| Noninterest income to average assets | 0.1657% | 6,407 |
| Noninterest expense to average assets | 2.9072% | 3,903 |
| Loan and lease loss provision to assets | 1.6740% | 376 |
| Net operating income to assets | -1.1886% | 6,955 |
| Return on assets (ROA) | -1.1557% | 6,962 |
| Pretax return on assets | -1.1557% | 6,923 |
| Return on Equity (ROE) | -31.1263% | 7,202 |
| Retained earnings to average equity (ytd only) | -31.1263% | 7,195 |
| Net charge-offs to loans | 2.4209% | 460 |
| Credit loss provision to net charge-offs | 88.2083% | 3,839 |
| Earnings coverage of net charge-offs (x) | 0.2557% | 5,402 |
| Efficiency ratio | 85.6939% | 1,569 |
| Assets per employee ($millions) | 5.5262% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3337% | 303 |
| Loan loss allowance to noncurrent loans | 33.5240% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 17.6382% | 78 |
| Noncurrent loans to loans | 12.9271% | 205 |
| Net loans and leases to total assets | 72.0951% | 1,684 |
| Net loans and leases to deposits | 74.6532% | 3,564 |
| Net loans and leases to core deposits | 75.1210% | 4,309 |
| Total domestic deposits to total assets | 96.5734% | 27 |
| Equity capital to assets | 3.0668% | 7,359 |
| Core capital (leverage) ratio | 2.9088% | 7,355 |
| Tier 1 risk-based capital ratio | 3.5217% | 7,378 |
| Total risk-based capital ratio | 4.8051% | 7,380 |
| Memoranda: | ||
| Average total assets | $137,632,000 | 4,042 |
| Average earning assets | $121,552,000 | 4,119 |
| Average equity | $5,110,250 | 6,463 |
| Average total loans | $107,889,250 | 3,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 2,940 |
| Cost of funding earning assets | 1.4146% | 1,355 |
| Net interest margin | 3.6327% | 4,590 |
| Noninterest income to average assets | 0.1542% | 6,548 |
| Noninterest expense to average assets | 2.5099% | 5,495 |
| Loan and lease loss provision to assets | 0.5558% | 1,738 |
| Net operating income to assets | 0.3055% | 5,354 |
| Return on assets (ROA) | 0.3550% | 5,291 |
| Pretax return on assets | 0.3550% | 5,530 |
| Return on Equity (ROE) | 9.0348% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.0348% | 1,095 |
| Net charge-offs to loans | 1.5722% | 938 |
| Credit loss provision to net charge-offs | 44.5221% | 4,718 |
| Earnings coverage of net charge-offs (x) | 0.6900% | 4,776 |
| Efficiency ratio | 74.4497% | 3,280 |
| Assets per employee ($millions) | 5.1802% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9922% | 418 |
| Loan loss allowance to noncurrent loans | 28.1065% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 18.1704% | 86 |
| Noncurrent loans to loans | 14.2039% | 155 |
| Net loans and leases to total assets | 73.3507% | 1,528 |
| Net loans and leases to deposits | 76.6035% | 3,357 |
| Net loans and leases to core deposits | 77.3002% | 4,150 |
| Total domestic deposits to total assets | 95.7538% | 34 |
| Equity capital to assets | 3.9681% | 7,391 |
| Core capital (leverage) ratio | 3.9644% | 7,377 |
| Tier 1 risk-based capital ratio | 4.6904% | 7,412 |
| Total risk-based capital ratio | 5.9696% | 7,411 |
| Memoranda: | ||
| Average total assets | $137,457,670 | 4,073 |
| Average earning assets | $121,727,670 | 4,152 |
| Average equity | $5,401,330 | 6,406 |
| Average total loans | $109,147,330 | 3,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2983% | 1,871 |
| Cost of funding earning assets | 1.4815% | 1,250 |
| Net interest margin | 3.8168% | 3,524 |
| Noninterest income to average assets | 0.1761% | 6,468 |
| Noninterest expense to average assets | 1.4796% | 7,373 |
| Loan and lease loss provision to assets | 0.9189% | 862 |
| Net operating income to assets | 1.1508% | 1,662 |
| Return on assets (ROA) | 1.1508% | 1,708 |
| Pretax return on assets | 1.1508% | 2,557 |
| Return on Equity (ROE) | 29.4350% | 87 |
| Retained earnings to average equity (ytd only) | 29.4350% | 62 |
| Net charge-offs to loans | 1.1352% | 1,222 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.2524% | 3,188 |
| Efficiency ratio | 41.6873% | 7,352 |
| Assets per employee ($millions) | 4.9950% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3659% | 322 |
| Loan loss allowance to noncurrent loans | 34.9392% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 17.4767% | 98 |
| Noncurrent loans to loans | 12.4957% | 255 |
| Net loans and leases to total assets | 77.0356% | 870 |
| Net loans and leases to deposits | 80.7358% | 2,564 |
| Net loans and leases to core deposits | 81.5648% | 3,520 |
| Total domestic deposits to total assets | 95.4169% | 47 |
| Equity capital to assets | 4.0841% | 7,434 |
| Core capital (leverage) ratio | 3.9313% | 7,445 |
| Tier 1 risk-based capital ratio | 4.6674% | 7,470 |
| Total risk-based capital ratio | 5.9515% | 7,470 |
| Memoranda: | ||
| Average total assets | $136,254,000 | 4,131 |
| Average earning assets | $120,416,500 | 4,211 |
| Average equity | $5,327,000 | 6,447 |
| Average total loans | $110,292,000 | 3,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 2,225 |
| Cost of funding earning assets | 1.8454% | 1,009 |
| Net interest margin | 3.6687% | 4,497 |
| Noninterest income to average assets | 0.0914% | 6,940 |
| Noninterest expense to average assets | 6.0469% | 228 |
| Loan and lease loss provision to assets | 2.2913% | 532 |
| Net operating income to assets | -6.0940% | 7,586 |
| Return on assets (ROA) | -6.0940% | 7,588 |
| Pretax return on assets | -5.0590% | 7,543 |
| Return on Equity (ROE) | -77.9261% | 7,545 |
| Retained earnings to average equity (ytd only) | -77.9261% | 7,543 |
| Net charge-offs to loans | 0.8033% | 2,626 |
| Credit loss provision to net charge-offs | 366.7020% | 692 |
| Earnings coverage of net charge-offs (x) | -4.4295% | 6,767 |
| Efficiency ratio | 184.4009% | 109 |
| Assets per employee ($millions) | 5.2940% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2368% | 325 |
| Loan loss allowance to noncurrent loans | 33.7724% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 17.1800% | 115 |
| Noncurrent loans to loans | 12.5452% | 255 |
| Net loans and leases to total assets | 77.8855% | 965 |
| Net loans and leases to deposits | 81.6699% | 2,873 |
| Net loans and leases to core deposits | 82.3196% | 3,860 |
| Total domestic deposits to total assets | 95.3663% | 52 |
| Equity capital to assets | 3.7387% | 7,520 |
| Core capital (leverage) ratio | 3.5535% | 7,525 |
| Tier 1 risk-based capital ratio | 4.4038% | 7,547 |
| Total risk-based capital ratio | 5.6886% | 7,551 |
| Memoranda: | ||
| Average total assets | $150,919,800 | 3,856 |
| Average earning assets | $131,137,400 | 3,990 |
| Average equity | $11,802,200 | 4,671 |
| Average total loans | $117,383,800 | 3,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 2,109 |
| Cost of funding earning assets | 1.9115% | 995 |
| Net interest margin | 3.6760% | 4,518 |
| Noninterest income to average assets | 0.0985% | 7,053 |
| Noninterest expense to average assets | 5.4330% | 282 |
| Loan and lease loss provision to assets | 1.2776% | 1,099 |
| Net operating income to assets | -2.1421% | 7,274 |
| Return on assets (ROA) | -2.1421% | 7,288 |
| Pretax return on assets | -3.4335% | 7,489 |
| Return on Equity (ROE) | -24.5348% | 7,311 |
| Retained earnings to average equity (ytd only) | -24.5348% | 7,299 |
| Net charge-offs to loans | 0.8657% | 2,281 |
| Credit loss provision to net charge-offs | 191.6991% | 1,869 |
| Earnings coverage of net charge-offs (x) | -3.2348% | 6,565 |
| Efficiency ratio | 165.7874% | 146 |
| Assets per employee ($millions) | 5.5219% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 1,203 |
| Loan loss allowance to noncurrent loans | 21.2373% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 17.0438% | 104 |
| Noncurrent loans to loans | 12.2604% | 271 |
| Net loans and leases to total assets | 73.6364% | 1,878 |
| Net loans and leases to deposits | 80.9673% | 3,273 |
| Net loans and leases to core deposits | 85.2091% | 3,767 |
| Total domestic deposits to total assets | 90.9459% | 470 |
| Equity capital to assets | 8.0802% | 6,733 |
| Core capital (leverage) ratio | 6.0324% | 7,428 |
| Tier 1 risk-based capital ratio | 6.8522% | 7,559 |
| Total risk-based capital ratio | 8.1143% | 7,565 |
| Memoranda: | ||
| Average total assets | $154,239,000 | 3,856 |
| Average earning assets | $133,366,000 | 3,999 |
| Average equity | $13,466,250 | 4,335 |
| Average total loans | $118,743,000 | 3,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 2,214 |
| Cost of funding earning assets | 1.9915% | 930 |
| Net interest margin | 3.5874% | 4,872 |
| Noninterest income to average assets | 0.1270% | 6,959 |
| Noninterest expense to average assets | 2.8175% | 4,408 |
| Loan and lease loss provision to assets | 1.3324% | 1,019 |
| Net operating income to assets | -0.9182% | 6,909 |
| Return on assets (ROA) | -0.9182% | 6,927 |
| Pretax return on assets | -0.9182% | 6,852 |
| Return on Equity (ROE) | -10.2731% | 6,976 |
| Retained earnings to average equity (ytd only) | -10.2731% | 6,927 |
| Net charge-offs to loans | 0.2286% | 4,228 |
| Credit loss provision to net charge-offs | 752.8986% | 492 |
| Earnings coverage of net charge-offs (x) | 2.3406% | 3,825 |
| Efficiency ratio | 87.1825% | 1,587 |
| Assets per employee ($millions) | 4.8796% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6381% | 1,150 |
| Loan loss allowance to noncurrent loans | 19.5416% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 17.8598% | 81 |
| Noncurrent loans to loans | 13.4999% | 213 |
| Net loans and leases to total assets | 76.3412% | 1,429 |
| Net loans and leases to deposits | 84.8225% | 2,738 |
| Net loans and leases to core deposits | 85.8861% | 3,850 |
| Total domestic deposits to total assets | 90.0011% | 919 |
| Equity capital to assets | 9.1170% | 5,267 |
| Core capital (leverage) ratio | 8.2929% | 5,785 |
| Tier 1 risk-based capital ratio | 9.8767% | 7,093 |
| Total risk-based capital ratio | 11.0860% | 7,097 |
| Memoranda: | ||
| Average total assets | $155,954,670 | 3,860 |
| Average earning assets | $134,974,000 | 4,002 |
| Average equity | $13,939,330 | 4,216 |
| Average total loans | $120,750,330 | 3,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6004% | 2,147 |
| Cost of funding earning assets | 2.0590% | 915 |
| Net interest margin | 3.5414% | 4,986 |
| Noninterest income to average assets | 0.1011% | 7,203 |
| Noninterest expense to average assets | 2.9463% | 3,874 |
| Loan and lease loss provision to assets | 0.3790% | 3,094 |
| Net operating income to assets | -0.1516% | 6,482 |
| Return on assets (ROA) | -0.1516% | 6,559 |
| Pretax return on assets | -0.1516% | 6,509 |
| Return on Equity (ROE) | -1.7126% | 6,607 |
| Retained earnings to average equity (ytd only) | -1.7126% | 6,161 |
| Net charge-offs to loans | -0.0919% | 7,505 |
| Credit loss provision to net charge-offs | -535.7143% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8344% | 1,216 |
| Assets per employee ($millions) | 5.1259% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 2,275 |
| Loan loss allowance to noncurrent loans | 16.2522% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 15.4024% | 127 |
| Noncurrent loans to loans | 12.0893% | 289 |
| Net loans and leases to total assets | 75.5179% | 1,641 |
| Net loans and leases to deposits | 83.6757% | 2,995 |
| Net loans and leases to core deposits | 87.1246% | 3,730 |
| Total domestic deposits to total assets | 90.2507% | 859 |
| Equity capital to assets | 8.8015% | 5,551 |
| Core capital (leverage) ratio | 8.1371% | 6,011 |
| Tier 1 risk-based capital ratio | 9.6414% | 7,232 |
| Total risk-based capital ratio | 10.8987% | 7,223 |
| Memoranda: | ||
| Average total assets | $158,298,500 | 3,880 |
| Average earning assets | $137,348,000 | 4,008 |
| Average equity | $14,013,500 | 4,240 |
| Average total loans | $121,821,500 | 3,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3596% | 916 |
| Cost of funding earning assets | 2.9414% | 271 |
| Net interest margin | 3.4182% | 5,299 |
| Noninterest income to average assets | 0.1568% | 6,948 |
| Noninterest expense to average assets | 3.1820% | 3,435 |
| Loan and lease loss provision to assets | 2.2823% | 897 |
| Net operating income to assets | -1.5140% | 6,863 |
| Return on assets (ROA) | -1.5140% | 6,873 |
| Pretax return on assets | -2.4447% | 7,131 |
| Return on Equity (ROE) | -17.3202% | 7,048 |
| Retained earnings to average equity (ytd only) | -17.6364% | 7,013 |
| Net charge-offs to loans | 3.3630% | 594 |
| Credit loss provision to net charge-offs | 90.6159% | 5,981 |
| Earnings coverage of net charge-offs (x) | -0.0645% | 6,288 |
| Efficiency ratio | 105.3802% | 923 |
| Assets per employee ($millions) | 4.6380% | 2,705 |
| Cash dividends to net income (ytd only)* | -1.8256% | 7,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,433 |
| Loan loss allowance to noncurrent loans | 14.8092% | 7,270 |
| Noncurrent assets plus other real estate owned to assets | 15.8181% | 119 |
| Noncurrent loans to loans | 12.4038% | 264 |
| Net loans and leases to total assets | 75.4694% | 1,930 |
| Net loans and leases to deposits | 83.7267% | 3,327 |
| Net loans and leases to core deposits | 133.6215% | 1,079 |
| Total domestic deposits to total assets | 90.1378% | 902 |
| Equity capital to assets | 8.9040% | 5,271 |
| Core capital (leverage) ratio | 7.5912% | 6,690 |
| Tier 1 risk-based capital ratio | 9.7649% | 7,051 |
| Total risk-based capital ratio | 11.0104% | 7,038 |
| Memoranda: | ||
| Average total assets | $177,280,200 | 3,480 |
| Average earning assets | $148,467,800 | 3,743 |
| Average equity | $15,496,400 | 3,971 |
| Average total loans | $132,769,400 | 3,217 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3649% | 995 |
| Cost of funding earning assets | 3.1601% | 207 |
| Net interest margin | 3.2048% | 6,010 |
| Noninterest income to average assets | 0.1544% | 7,084 |
| Noninterest expense to average assets | 3.2854% | 2,974 |
| Loan and lease loss provision to assets | 2.3098% | 736 |
| Net operating income to assets | -1.7243% | 7,206 |
| Return on assets (ROA) | -1.7243% | 7,204 |
| Pretax return on assets | -2.7657% | 7,440 |
| Return on Equity (ROE) | -19.8058% | 7,367 |
| Retained earnings to average equity (ytd only) | -20.2178% | 7,344 |
| Net charge-offs to loans | 2.3589% | 785 |
| Credit loss provision to net charge-offs | 131.5000% | 3,803 |
| Earnings coverage of net charge-offs (x) | -0.2596% | 6,329 |
| Efficiency ratio | 116.1148% | 654 |
| Assets per employee ($millions) | 5.6795% | 1,451 |
| Cash dividends to net income (ytd only)* | -2.0797% | 7,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6351% | 936 |
| Loan loss allowance to noncurrent loans | 31.8569% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 12.6658% | 197 |
| Noncurrent loans to loans | 8.2716% | 576 |
| Net loans and leases to total assets | 71.3958% | 3,181 |
| Net loans and leases to deposits | 78.7899% | 4,600 |
| Net loans and leases to core deposits | 128.3902% | 1,547 |
| Total domestic deposits to total assets | 90.6154% | 549 |
| Equity capital to assets | 8.2072% | 6,633 |
| Core capital (leverage) ratio | 7.4530% | 7,033 |
| Tier 1 risk-based capital ratio | 10.0617% | 6,914 |
| Total risk-based capital ratio | 11.3267% | 6,850 |
| Memoranda: | ||
| Average total assets | $182,177,000 | 3,430 |
| Average earning assets | $152,059,750 | 3,692 |
| Average equity | $15,860,250 | 3,941 |
| Average total loans | $135,652,500 | 3,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2879% | 1,239 |
| Cost of funding earning assets | 3.1743% | 286 |
| Net interest margin | 3.1136% | 6,194 |
| Noninterest income to average assets | 0.1531% | 7,174 |
| Noninterest expense to average assets | 3.1604% | 3,469 |
| Loan and lease loss provision to assets | 1.4874% | 1,148 |
| Net operating income to assets | -1.1367% | 7,078 |
| Return on assets (ROA) | -1.1367% | 7,082 |
| Pretax return on assets | -1.8240% | 7,225 |
| Return on Equity (ROE) | -12.8228% | 7,220 |
| Retained earnings to average equity (ytd only) | -13.4229% | 7,148 |
| Net charge-offs to loans | 2.2447% | 803 |
| Credit loss provision to net charge-offs | 88.5585% | 4,966 |
| Earnings coverage of net charge-offs (x) | -0.2004% | 5,886 |
| Efficiency ratio | 111.9185% | 798 |
| Assets per employee ($millions) | 6.4637% | 980 |
| Cash dividends to net income (ytd only)* | -4.6800% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 1,944 |
| Loan loss allowance to noncurrent loans | 22.6087% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 8.4884% | 420 |
| Noncurrent loans to loans | 8.1415% | 539 |
| Net loans and leases to total assets | 67.9272% | 4,162 |
| Net loans and leases to deposits | 74.6939% | 5,351 |
| Net loans and leases to core deposits | 121.0363% | 2,275 |
| Total domestic deposits to total assets | 90.9407% | 471 |
| Equity capital to assets | 8.0428% | 6,703 |
| Core capital (leverage) ratio | 8.0229% | 6,284 |
| Tier 1 risk-based capital ratio | 11.0338% | 5,842 |
| Total risk-based capital ratio | 12.2908% | 5,756 |
| Memoranda: | ||
| Average total assets | $184,214,330 | 3,418 |
| Average earning assets | $158,018,000 | 3,596 |
| Average equity | $16,330,330 | 3,849 |
| Average total loans | $137,835,000 | 3,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1370% | 1,805 |
| Cost of funding earning assets | 3.1256% | 424 |
| Net interest margin | 3.0114% | 6,452 |
| Noninterest income to average assets | 0.1606% | 7,160 |
| Noninterest expense to average assets | 2.1743% | 6,939 |
| Loan and lease loss provision to assets | 0.6913% | 1,825 |
| Net operating income to assets | 0.0379% | 6,169 |
| Return on assets (ROA) | 0.0379% | 6,317 |
| Pretax return on assets | 0.0602% | 6,256 |
| Return on Equity (ROE) | 0.4072% | 6,306 |
| Retained earnings to average equity (ytd only) | -0.7666% | 5,831 |
| Net charge-offs to loans | 0.1690% | 3,614 |
| Credit loss provision to net charge-offs | 525.4237% | 1,048 |
| Earnings coverage of net charge-offs (x) | 5.7119% | 2,618 |
| Efficiency ratio | 74.3140% | 3,768 |
| Assets per employee ($millions) | 5.9300% | 1,239 |
| Cash dividends to net income (ytd only)* | 288.2353% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0683% | 1,297 |
| Loan loss allowance to noncurrent loans | 21.3010% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 10.1414% | 219 |
| Noncurrent loans to loans | 9.7100% | 313 |
| Net loans and leases to total assets | 74.6425% | 2,589 |
| Net loans and leases to deposits | 83.0043% | 4,132 |
| Net loans and leases to core deposits | 126.7690% | 1,865 |
| Total domestic deposits to total assets | 89.9261% | 833 |
| Equity capital to assets | 9.0725% | 5,265 |
| Core capital (leverage) ratio | 9.3135% | 4,227 |
| Tier 1 risk-based capital ratio | 11.5043% | 5,411 |
| Total risk-based capital ratio | 12.7632% | 5,293 |
| Memoranda: | ||
| Average total assets | $179,365,500 | 3,515 |
| Average earning assets | $164,705,500 | 3,499 |
| Average equity | $16,697,500 | 3,795 |
| Average total loans | $139,658,000 | 3,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9593% | 1,236 |
| Cost of funding earning assets | 3.6934% | 275 |
| Net interest margin | 3.2658% | 6,155 |
| Noninterest income to average assets | 0.1965% | 7,046 |
| Noninterest expense to average assets | 2.2378% | 6,869 |
| Loan and lease loss provision to assets | 2.5141% | 410 |
| Net operating income to assets | -0.9239% | 7,203 |
| Return on assets (ROA) | -0.9239% | 7,126 |
| Pretax return on assets | -1.4818% | 7,245 |
| Return on Equity (ROE) | -8.4398% | 7,152 |
| Retained earnings to average equity (ytd only) | -10.5661% | 7,119 |
| Net charge-offs to loans | 2.1515% | 489 |
| Credit loss provision to net charge-offs | 139.6495% | 3,800 |
| Earnings coverage of net charge-offs (x) | 0.5734% | 5,882 |
| Efficiency ratio | 68.4326% | 4,649 |
| Assets per employee ($millions) | 5.6419% | 1,360 |
| Cash dividends to net income (ytd only)* | -25.1933% | 7,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 1,412 |
| Loan loss allowance to noncurrent loans | 25.4470% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 7.7353% | 307 |
| Noncurrent loans to loans | 7.4726% | 384 |
| Net loans and leases to total assets | 78.0760% | 2,117 |
| Net loans and leases to deposits | 87.2316% | 3,905 |
| Net loans and leases to core deposits | 130.4799% | 1,819 |
| Total domestic deposits to total assets | 89.5043% | 847 |
| Equity capital to assets | 9.5580% | 4,600 |
| Core capital (leverage) ratio | 9.5998% | 3,878 |
| Tier 1 risk-based capital ratio | 11.6735% | 5,078 |
| Total risk-based capital ratio | 12.9311% | 4,968 |
| Memoranda: | ||
| Average total assets | $167,974,600 | 3,584 |
| Average earning assets | $158,090,800 | 3,506 |
| Average equity | $18,389,000 | 3,497 |
| Average total loans | $140,553,800 | 3,088 |