Home > Herrin Security Bank > Performance and Condition Ratios
Herrin Security Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,924 |
| Cost of funding earning assets | 0.4373% | 3,394 |
| Net interest margin | 3.5233% | 3,741 |
| Noninterest income to average assets | 0.4184% | 4,113 |
| Noninterest expense to average assets | 2.5688% | 4,290 |
| Loan and lease loss provision to assets | 0.0465% | 3,457 |
| Net operating income to assets | 1.1223% | 1,954 |
| Return on assets (ROA) | 1.1520% | 1,918 |
| Pretax return on assets | 1.1520% | 2,978 |
| Return on Equity (ROE) | 10.6983% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.4675% | 1,165 |
| Net charge-offs to loans | 0.2175% | 1,734 |
| Credit loss provision to net charge-offs | 43.3735% | 3,229 |
| Earnings coverage of net charge-offs (x) | 10.9040% | 2,492 |
| Efficiency ratio | 68.7284% | 3,719 |
| Assets per employee ($millions) | 4.0766% | 3,717 |
| Cash dividends to net income (ytd only)* | 20.8518% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 4,400 |
| Loan loss allowance to noncurrent loans | 35.1254% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,621 |
| Noncurrent loans to loans | 3.3210% | 746 |
| Net loans and leases to total assets | 48.8824% | 5,119 |
| Net loans and leases to deposits | 55.3570% | 5,286 |
| Net loans and leases to core deposits | 56.1576% | 5,437 |
| Total domestic deposits to total assets | 88.3039% | 1,605 |
| Equity capital to assets | 11.4920% | 2,496 |
| Core capital (leverage) ratio | 10.7895% | 2,704 |
| Tier 1 risk-based capital ratio | 21.4493% | 1,361 |
| Total risk-based capital ratio | 22.5659% | 1,360 |
| Memoranda: | ||
| Average total assets | $103,237,750 | 4,564 |
| Average earning assets | $97,254,250 | 4,518 |
| Average equity | $11,116,750 | 4,570 |
| Average total loans | $50,876,250 | 4,838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,984 |
| Cost of funding earning assets | 0.4426% | 3,411 |
| Net interest margin | 3.4955% | 3,805 |
| Noninterest income to average assets | 0.4128% | 4,148 |
| Noninterest expense to average assets | 2.5502% | 4,415 |
| Loan and lease loss provision to assets | 0.0463% | 3,386 |
| Net operating income to assets | 1.1073% | 1,914 |
| Return on assets (ROA) | 1.1516% | 1,828 |
| Pretax return on assets | 1.1516% | 2,873 |
| Return on Equity (ROE) | 10.9357% | 1,760 |
| Retained earnings to average equity (ytd only) | 9.1955% | 917 |
| Net charge-offs to loans | 0.3449% | 1,181 |
| Credit loss provision to net charge-offs | 27.2727% | 3,092 |
| Earnings coverage of net charge-offs (x) | 6.7955% | 2,722 |
| Efficiency ratio | 68.8542% | 3,856 |
| Assets per employee ($millions) | 3.9249% | 4,007 |
| Cash dividends to net income (ytd only)* | 15.9129% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 4,812 |
| Loan loss allowance to noncurrent loans | 30.6199% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8981% | 1,708 |
| Noncurrent loans to loans | 3.6576% | 706 |
| Net loans and leases to total assets | 49.1421% | 5,061 |
| Net loans and leases to deposits | 55.5300% | 5,235 |
| Net loans and leases to core deposits | 56.3302% | 5,389 |
| Total domestic deposits to total assets | 88.4965% | 1,641 |
| Equity capital to assets | 11.3311% | 2,577 |
| Core capital (leverage) ratio | 11.1229% | 2,312 |
| Tier 1 risk-based capital ratio | 21.5067% | 1,345 |
| Total risk-based capital ratio | 22.6081% | 1,347 |
| Memoranda: | ||
| Average total assets | $103,679,000 | 4,592 |
| Average earning assets | $97,612,330 | 4,539 |
| Average equity | $10,918,330 | 4,626 |
| Average total loans | $51,033,000 | 4,858 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,877 |
| Cost of funding earning assets | 0.4525% | 3,402 |
| Net interest margin | 3.5017% | 3,682 |
| Noninterest income to average assets | 0.3904% | 4,272 |
| Noninterest expense to average assets | 2.3504% | 5,069 |
| Loan and lease loss provision to assets | 0.0459% | 3,179 |
| Net operating income to assets | 1.2824% | 1,260 |
| Return on assets (ROA) | 1.2824% | 1,310 |
| Pretax return on assets | 1.2824% | 2,160 |
| Return on Equity (ROE) | 12.6463% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.0600% | 1,227 |
| Net charge-offs to loans | -0.1797% | 6,351 |
| Credit loss provision to net charge-offs | -52.1739% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8918% | 4,873 |
| Assets per employee ($millions) | 4.1654% | 3,602 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,026 |
| Loan loss allowance to noncurrent loans | 33.0570% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0608% | 1,640 |
| Noncurrent loans to loans | 3.9855% | 676 |
| Net loans and leases to total assets | 48.7670% | 5,029 |
| Net loans and leases to deposits | 54.5344% | 5,231 |
| Net loans and leases to core deposits | 56.2120% | 5,342 |
| Total domestic deposits to total assets | 89.4242% | 1,410 |
| Equity capital to assets | 10.4193% | 3,330 |
| Core capital (leverage) ratio | 10.3453% | 3,121 |
| Tier 1 risk-based capital ratio | 20.6980% | 1,536 |
| Total risk-based capital ratio | 21.9498% | 1,507 |
| Memoranda: | ||
| Average total assets | $104,495,000 | 4,618 |
| Average earning assets | $98,124,000 | 4,561 |
| Average equity | $10,596,000 | 4,706 |
| Average total loans | $51,191,500 | 4,892 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 4,011 |
| Cost of funding earning assets | 0.5164% | 3,437 |
| Net interest margin | 3.5056% | 3,875 |
| Noninterest income to average assets | 0.3895% | 4,520 |
| Noninterest expense to average assets | 2.5343% | 4,661 |
| Loan and lease loss provision to assets | 0.0569% | 4,009 |
| Net operating income to assets | 1.0795% | 2,001 |
| Return on assets (ROA) | 1.1288% | 1,902 |
| Pretax return on assets | 1.1288% | 2,854 |
| Return on Equity (ROE) | 10.9350% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.8470% | 3,466 |
| Net charge-offs to loans | 0.0641% | 4,311 |
| Credit loss provision to net charge-offs | 176.4706% | 1,296 |
| Earnings coverage of net charge-offs (x) | 35.2647% | 1,053 |
| Efficiency ratio | 69.0421% | 4,008 |
| Assets per employee ($millions) | 4.0329% | 3,799 |
| Cash dividends to net income (ytd only)* | 64.8195% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,376 |
| Loan loss allowance to noncurrent loans | 33.4908% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9074% | 1,893 |
| Noncurrent loans to loans | 3.7410% | 798 |
| Net loans and leases to total assets | 47.9553% | 5,294 |
| Net loans and leases to deposits | 53.3240% | 5,524 |
| Net loans and leases to core deposits | 55.0979% | 5,606 |
| Total domestic deposits to total assets | 89.9319% | 1,111 |
| Equity capital to assets | 9.8631% | 3,948 |
| Core capital (leverage) ratio | 10.0129% | 3,551 |
| Tier 1 risk-based capital ratio | 20.3991% | 1,561 |
| Total risk-based capital ratio | 21.6223% | 1,540 |
| Memoranda: | ||
| Average total assets | $105,513,200 | 4,609 |
| Average earning assets | $98,756,600 | 4,542 |
| Average equity | $10,891,600 | 4,657 |
| Average total loans | $53,015,000 | 4,841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 4,111 |
| Cost of funding earning assets | 0.5304% | 3,462 |
| Net interest margin | 3.4757% | 3,994 |
| Noninterest income to average assets | 0.3823% | 4,660 |
| Noninterest expense to average assets | 2.4527% | 4,870 |
| Loan and lease loss provision to assets | 0.0568% | 3,915 |
| Net operating income to assets | 1.1305% | 1,881 |
| Return on assets (ROA) | 1.1961% | 1,724 |
| Pretax return on assets | 1.1961% | 2,711 |
| Return on Equity (ROE) | 11.4604% | 1,664 |
| Retained earnings to average equity (ytd only) | 9.1997% | 1,003 |
| Net charge-offs to loans | -0.0025% | 5,703 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3830% | 4,212 |
| Assets per employee ($millions) | 3.9905% | 3,844 |
| Cash dividends to net income (ytd only)* | 19.7259% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,584 |
| Loan loss allowance to noncurrent loans | 28.3434% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 2.3132% | 1,707 |
| Noncurrent loans to loans | 4.4527% | 734 |
| Net loans and leases to total assets | 49.5417% | 5,188 |
| Net loans and leases to deposits | 55.3395% | 5,430 |
| Net loans and leases to core deposits | 57.5915% | 5,482 |
| Total domestic deposits to total assets | 89.5232% | 1,281 |
| Equity capital to assets | 10.2725% | 3,543 |
| Core capital (leverage) ratio | 10.3260% | 3,204 |
| Tier 1 risk-based capital ratio | 22.1940% | 1,287 |
| Total risk-based capital ratio | 23.4650% | 1,259 |
| Memoranda: | ||
| Average total assets | $105,677,500 | 4,649 |
| Average earning assets | $99,048,250 | 4,586 |
| Average equity | $11,029,000 | 4,679 |
| Average total loans | $53,538,250 | 4,871 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,740 |
| Cost of funding earning assets | 0.5521% | 3,386 |
| Net interest margin | 3.5465% | 3,576 |
| Noninterest income to average assets | 0.3480% | 4,908 |
| Noninterest expense to average assets | 2.4511% | 4,895 |
| Loan and lease loss provision to assets | 0.0564% | 3,874 |
| Net operating income to assets | 1.1513% | 1,737 |
| Return on assets (ROA) | 1.1663% | 1,794 |
| Pretax return on assets | 1.1663% | 2,821 |
| Return on Equity (ROE) | 11.1184% | 1,782 |
| Retained earnings to average equity (ytd only) | 9.4686% | 974 |
| Net charge-offs to loans | 0.0148% | 4,551 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 307 |
| Efficiency ratio | 66.9923% | 4,365 |
| Assets per employee ($millions) | 3.8541% | 4,101 |
| Cash dividends to net income (ytd only)* | 14.8387% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,820 |
| Loan loss allowance to noncurrent loans | 68.4378% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 3,720 |
| Noncurrent loans to loans | 1.8024% | 2,637 |
| Net loans and leases to total assets | 49.5522% | 5,155 |
| Net loans and leases to deposits | 55.3795% | 5,401 |
| Net loans and leases to core deposits | 57.8680% | 5,433 |
| Total domestic deposits to total assets | 89.4774% | 1,340 |
| Equity capital to assets | 10.3496% | 3,492 |
| Core capital (leverage) ratio | 10.1342% | 3,315 |
| Tier 1 risk-based capital ratio | 22.1040% | 1,266 |
| Total risk-based capital ratio | 23.3746% | 1,239 |
| Memoranda: | ||
| Average total assets | $106,319,000 | 4,660 |
| Average earning assets | $99,251,670 | 4,609 |
| Average equity | $11,152,670 | 4,692 |
| Average total loans | $54,031,670 | 4,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 3,571 |
| Cost of funding earning assets | 0.5673% | 3,403 |
| Net interest margin | 3.5687% | 3,389 |
| Noninterest income to average assets | 0.3127% | 5,189 |
| Noninterest expense to average assets | 2.3565% | 5,252 |
| Loan and lease loss provision to assets | 0.0558% | 3,707 |
| Net operating income to assets | 1.2024% | 1,517 |
| Return on assets (ROA) | 1.2322% | 1,539 |
| Pretax return on assets | 1.2322% | 2,461 |
| Return on Equity (ROE) | 11.6714% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.6714% | 756 |
| Net charge-offs to loans | 0.0291% | 3,620 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 445 |
| Efficiency ratio | 65.1905% | 4,795 |
| Assets per employee ($millions) | 4.1627% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 5,379 |
| Loan loss allowance to noncurrent loans | 62.0240% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 3,725 |
| Noncurrent loans to loans | 1.8639% | 2,779 |
| Net loans and leases to total assets | 48.9000% | 5,125 |
| Net loans and leases to deposits | 54.7782% | 5,377 |
| Net loans and leases to core deposits | 57.2374% | 5,413 |
| Total domestic deposits to total assets | 89.2690% | 1,509 |
| Equity capital to assets | 10.5646% | 3,472 |
| Core capital (leverage) ratio | 9.9537% | 3,451 |
| Tier 1 risk-based capital ratio | 20.7234% | 1,611 |
| Total risk-based capital ratio | 21.9883% | 1,577 |
| Memoranda: | ||
| Average total assets | $107,447,500 | 4,667 |
| Average earning assets | $99,419,500 | 4,644 |
| Average equity | $11,344,000 | 4,708 |
| Average total loans | $54,943,000 | 4,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 3,359 |
| Cost of funding earning assets | 0.6538% | 3,883 |
| Net interest margin | 3.8553% | 2,999 |
| Noninterest income to average assets | 0.4356% | 4,357 |
| Noninterest expense to average assets | 2.7106% | 4,364 |
| Loan and lease loss provision to assets | 0.0838% | 4,654 |
| Net operating income to assets | 1.2417% | 1,472 |
| Return on assets (ROA) | 1.2771% | 1,521 |
| Pretax return on assets | 1.2771% | 2,495 |
| Return on Equity (ROE) | 11.5701% | 1,631 |
| Retained earnings to average equity (ytd only) | -4.9586% | 6,421 |
| Net charge-offs to loans | 0.0827% | 4,852 |
| Credit loss provision to net charge-offs | 204.5455% | 1,254 |
| Earnings coverage of net charge-offs (x) | 32.3636% | 954 |
| Efficiency ratio | 67.1587% | 4,300 |
| Assets per employee ($millions) | 4.1025% | 3,732 |
| Cash dividends to net income (ytd only)* | 142.8571% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 5,641 |
| Loan loss allowance to noncurrent loans | 53.9556% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 3,291 |
| Noncurrent loans to loans | 1.9967% | 2,701 |
| Net loans and leases to total assets | 52.2528% | 4,894 |
| Net loans and leases to deposits | 58.5628% | 5,175 |
| Net loans and leases to core deposits | 60.4014% | 5,329 |
| Total domestic deposits to total assets | 89.2252% | 1,423 |
| Equity capital to assets | 10.5507% | 3,465 |
| Core capital (leverage) ratio | 9.6091% | 3,947 |
| Tier 1 risk-based capital ratio | 19.3985% | 1,841 |
| Total risk-based capital ratio | 20.6000% | 1,828 |
| Memoranda: | ||
| Average total assets | $107,429,800 | 4,652 |
| Average earning assets | $100,329,600 | 4,590 |
| Average equity | $11,858,200 | 4,596 |
| Average total loans | $53,225,600 | 4,975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 3,641 |
| Cost of funding earning assets | 0.6595% | 4,107 |
| Net interest margin | 3.8399% | 3,161 |
| Noninterest income to average assets | 0.4076% | 4,575 |
| Noninterest expense to average assets | 2.5670% | 4,853 |
| Loan and lease loss provision to assets | 0.0929% | 4,430 |
| Net operating income to assets | 1.3615% | 1,303 |
| Return on assets (ROA) | 1.3925% | 1,367 |
| Pretax return on assets | 1.3925% | 2,261 |
| Return on Equity (ROE) | 12.4790% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.7090% | 4,928 |
| Net charge-offs to loans | 0.1297% | 4,079 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 23.0190% | 1,330 |
| Efficiency ratio | 63.8324% | 4,830 |
| Assets per employee ($millions) | 4.0908% | 3,698 |
| Cash dividends to net income (ytd only)* | 78.2915% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,971 |
| Loan loss allowance to noncurrent loans | 28.3229% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 2,279 |
| Noncurrent loans to loans | 3.6335% | 1,488 |
| Net loans and leases to total assets | 52.9856% | 4,915 |
| Net loans and leases to deposits | 60.1355% | 5,190 |
| Net loans and leases to core deposits | 62.2182% | 5,337 |
| Total domestic deposits to total assets | 88.1103% | 1,981 |
| Equity capital to assets | 11.6876% | 2,546 |
| Core capital (leverage) ratio | 10.2934% | 3,171 |
| Tier 1 risk-based capital ratio | 20.7835% | 1,577 |
| Total risk-based capital ratio | 21.9320% | 1,567 |
| Memoranda: | ||
| Average total assets | $107,620,750 | 4,693 |
| Average earning assets | $101,283,750 | 4,613 |
| Average equity | $12,009,250 | 4,613 |
| Average total loans | $52,446,250 | 5,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 3,891 |
| Cost of funding earning assets | 0.6668% | 4,304 |
| Net interest margin | 3.8057% | 3,329 |
| Noninterest income to average assets | 0.3462% | 5,066 |
| Noninterest expense to average assets | 2.5213% | 5,070 |
| Loan and lease loss provision to assets | 0.1111% | 4,141 |
| Net operating income to assets | 1.2847% | 1,480 |
| Return on assets (ROA) | 1.3014% | 1,590 |
| Pretax return on assets | 1.3014% | 2,553 |
| Return on Equity (ROE) | 11.8463% | 1,717 |
| Retained earnings to average equity (ytd only) | -2.9826% | 6,457 |
| Net charge-offs to loans | 0.0236% | 5,063 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 125.6667% | 354 |
| Efficiency ratio | 64.3667% | 4,818 |
| Assets per employee ($millions) | 4.5065% | 2,894 |
| Cash dividends to net income (ytd only)* | 125.1778% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,690 |
| Loan loss allowance to noncurrent loans | 41.3863% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6439% | 3,259 |
| Noncurrent loans to loans | 2.7091% | 2,215 |
| Net loans and leases to total assets | 50.1479% | 5,334 |
| Net loans and leases to deposits | 56.4456% | 5,602 |
| Net loans and leases to core deposits | 58.5035% | 5,737 |
| Total domestic deposits to total assets | 88.8430% | 1,609 |
| Equity capital to assets | 10.9832% | 3,139 |
| Core capital (leverage) ratio | 9.8875% | 3,594 |
| Tier 1 risk-based capital ratio | 19.3233% | 1,893 |
| Total risk-based capital ratio | 20.4865% | 1,880 |
| Memoranda: | ||
| Average total assets | $108,040,670 | 4,717 |
| Average earning assets | $101,373,670 | 4,636 |
| Average equity | $11,868,670 | 4,636 |
| Average total loans | $50,947,670 | 5,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 3,960 |
| Cost of funding earning assets | 0.6714% | 4,525 |
| Net interest margin | 3.8190% | 3,296 |
| Noninterest income to average assets | 0.3482% | 5,073 |
| Noninterest expense to average assets | 2.2967% | 5,780 |
| Loan and lease loss provision to assets | 0.0556% | 4,710 |
| Net operating income to assets | 1.5780% | 899 |
| Return on assets (ROA) | 1.5780% | 1,005 |
| Pretax return on assets | 1.5780% | 1,643 |
| Return on Equity (ROE) | 14.3634% | 1,115 |
| Retained earnings to average equity (ytd only) | -15.3075% | 6,981 |
| Net charge-offs to loans | -0.0082% | 5,893 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4354% | 5,857 |
| Assets per employee ($millions) | 4.1902% | 3,600 |
| Cash dividends to net income (ytd only)* | 206.5728% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,697 |
| Loan loss allowance to noncurrent loans | 35.9006% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 1.7339% | 3,256 |
| Noncurrent loans to loans | 3.2155% | 1,998 |
| Net loans and leases to total assets | 45.4288% | 5,850 |
| Net loans and leases to deposits | 50.9586% | 6,077 |
| Net loans and leases to core deposits | 52.6505% | 6,154 |
| Total domestic deposits to total assets | 89.1486% | 1,600 |
| Equity capital to assets | 10.6752% | 3,295 |
| Core capital (leverage) ratio | 9.6749% | 3,804 |
| Tier 1 risk-based capital ratio | 20.2039% | 1,657 |
| Total risk-based capital ratio | 21.3803% | 1,650 |
| Memoranda: | ||
| Average total assets | $107,983,000 | 4,753 |
| Average earning assets | $101,283,500 | 4,667 |
| Average equity | $11,863,500 | 4,643 |
| Average total loans | $48,995,000 | 5,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 4,882 |
| Cost of funding earning assets | 0.8022% | 4,852 |
| Net interest margin | 3.7457% | 4,102 |
| Noninterest income to average assets | 0.4100% | 4,536 |
| Noninterest expense to average assets | 2.9669% | 3,719 |
| Loan and lease loss provision to assets | 0.0958% | 5,396 |
| Net operating income to assets | 0.8507% | 2,818 |
| Return on assets (ROA) | 0.9261% | 2,623 |
| Pretax return on assets | 0.9261% | 3,535 |
| Return on Equity (ROE) | 8.6515% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.4810% | 2,312 |
| Net charge-offs to loans | 0.3408% | 3,697 |
| Credit loss provision to net charge-offs | 65.1899% | 5,023 |
| Earnings coverage of net charge-offs (x) | 6.4430% | 2,519 |
| Efficiency ratio | 75.8137% | 2,911 |
| Assets per employee ($millions) | 4.1162% | 3,618 |
| Cash dividends to net income (ytd only)* | 36.6466% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,517 |
| Loan loss allowance to noncurrent loans | 32.7506% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 3,124 |
| Noncurrent loans to loans | 3.5810% | 1,786 |
| Net loans and leases to total assets | 44.2507% | 6,184 |
| Net loans and leases to deposits | 50.0127% | 6,364 |
| Net loans and leases to core deposits | 51.5725% | 6,451 |
| Total domestic deposits to total assets | 88.4790% | 1,865 |
| Equity capital to assets | 11.3033% | 2,690 |
| Core capital (leverage) ratio | 10.0218% | 3,311 |
| Tier 1 risk-based capital ratio | 21.9247% | 1,246 |
| Total risk-based capital ratio | 23.1149% | 1,225 |
| Memoranda: | ||
| Average total assets | $107,552,400 | 4,693 |
| Average earning assets | $100,595,800 | 4,624 |
| Average equity | $11,512,400 | 4,659 |
| Average total loans | $46,365,600 | 5,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 5,152 |
| Cost of funding earning assets | 0.8292% | 4,955 |
| Net interest margin | 3.7034% | 4,316 |
| Noninterest income to average assets | 0.4717% | 4,112 |
| Noninterest expense to average assets | 2.8366% | 4,208 |
| Loan and lease loss provision to assets | 0.0371% | 5,976 |
| Net operating income to assets | 1.0599% | 2,104 |
| Return on assets (ROA) | 1.0599% | 2,248 |
| Pretax return on assets | 1.0599% | 3,168 |
| Return on Equity (ROE) | 10.0411% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.7596% | 2,698 |
| Net charge-offs to loans | 0.2726% | 3,733 |
| Credit loss provision to net charge-offs | 31.9149% | 5,382 |
| Earnings coverage of net charge-offs (x) | 9.4255% | 2,048 |
| Efficiency ratio | 72.1121% | 3,533 |
| Assets per employee ($millions) | 4.0166% | 3,810 |
| Cash dividends to net income (ytd only)* | 42.6400% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,674 |
| Loan loss allowance to noncurrent loans | 29.5913% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 2.2508% | 2,840 |
| Noncurrent loans to loans | 3.8922% | 1,715 |
| Net loans and leases to total assets | 42.9723% | 6,434 |
| Net loans and leases to deposits | 48.5372% | 6,598 |
| Net loans and leases to core deposits | 50.3055% | 6,655 |
| Total domestic deposits to total assets | 88.5347% | 1,734 |
| Equity capital to assets | 11.2274% | 2,939 |
| Core capital (leverage) ratio | 9.9241% | 3,540 |
| Tier 1 risk-based capital ratio | 21.2159% | 1,418 |
| Total risk-based capital ratio | 22.3011% | 1,424 |
| Memoranda: | ||
| Average total assets | $107,685,000 | 4,722 |
| Average earning assets | $100,662,250 | 4,656 |
| Average equity | $11,366,250 | 4,723 |
| Average total loans | $45,977,000 | 5,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 5,266 |
| Cost of funding earning assets | 0.8697% | 4,907 |
| Net interest margin | 3.6596% | 4,474 |
| Noninterest income to average assets | 0.4971% | 3,883 |
| Noninterest expense to average assets | 2.9228% | 3,932 |
| Loan and lease loss provision to assets | 0.0279% | 5,955 |
| Net operating income to assets | 0.9774% | 2,322 |
| Return on assets (ROA) | 0.9774% | 2,423 |
| Pretax return on assets | 0.9774% | 3,326 |
| Return on Equity (ROE) | 9.4626% | 2,321 |
| Retained earnings to average equity (ytd only) | 2.8838% | 4,450 |
| Net charge-offs to loans | 0.4256% | 2,862 |
| Credit loss provision to net charge-offs | 15.4639% | 5,192 |
| Earnings coverage of net charge-offs (x) | 5.5670% | 2,584 |
| Efficiency ratio | 74.4076% | 3,288 |
| Assets per employee ($millions) | 3.1294% | 5,807 |
| Cash dividends to net income (ytd only)* | 69.5238% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 5,144 |
| Loan loss allowance to noncurrent loans | 29.3776% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 2.5903% | 2,566 |
| Noncurrent loans to loans | 4.3612% | 1,545 |
| Net loans and leases to total assets | 40.3363% | 6,719 |
| Net loans and leases to deposits | 45.3246% | 6,859 |
| Net loans and leases to core deposits | 46.1126% | 6,932 |
| Total domestic deposits to total assets | 88.9942% | 1,532 |
| Equity capital to assets | 10.8226% | 3,156 |
| Core capital (leverage) ratio | 9.5791% | 3,848 |
| Tier 1 risk-based capital ratio | 22.1688% | 1,231 |
| Total risk-based capital ratio | 23.3711% | 1,207 |
| Memoranda: | ||
| Average total assets | $107,430,330 | 4,769 |
| Average earning assets | $100,721,670 | 4,693 |
| Average equity | $11,096,330 | 4,782 |
| Average total loans | $45,587,330 | 5,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 5,425 |
| Cost of funding earning assets | 0.9117% | 4,840 |
| Net interest margin | 3.5636% | 4,754 |
| Noninterest income to average assets | 0.3187% | 5,372 |
| Noninterest expense to average assets | 2.6865% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9634% | 2,302 |
| Return on assets (ROA) | 0.9634% | 2,369 |
| Pretax return on assets | 0.9634% | 3,272 |
| Return on Equity (ROE) | 9.5527% | 2,265 |
| Retained earnings to average equity (ytd only) | -3.8578% | 6,397 |
| Net charge-offs to loans | 0.0257% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 359 |
| Efficiency ratio | 73.6041% | 3,593 |
| Assets per employee ($millions) | 3.0055% | 6,130 |
| Cash dividends to net income (ytd only)* | 140.3846% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,717 |
| Loan loss allowance to noncurrent loans | 33.6325% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.6608% | 2,584 |
| Noncurrent loans to loans | 4.1313% | 1,741 |
| Net loans and leases to total assets | 41.7823% | 6,644 |
| Net loans and leases to deposits | 46.5807% | 6,814 |
| Net loans and leases to core deposits | 48.1207% | 6,870 |
| Total domestic deposits to total assets | 89.6986% | 1,356 |
| Equity capital to assets | 10.0897% | 3,656 |
| Core capital (leverage) ratio | 9.3549% | 4,045 |
| Tier 1 risk-based capital ratio | 19.0001% | 1,802 |
| Total risk-based capital ratio | 20.2078% | 1,773 |
| Memoranda: | ||
| Average total assets | $107,946,500 | 4,794 |
| Average earning assets | $100,909,000 | 4,712 |
| Average equity | $10,887,000 | 4,821 |
| Average total loans | $46,644,000 | 5,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 4,856 |
| Cost of funding earning assets | 1.2400% | 4,287 |
| Net interest margin | 3.6957% | 4,365 |
| Noninterest income to average assets | 0.4051% | 4,872 |
| Noninterest expense to average assets | 3.0253% | 3,752 |
| Loan and lease loss provision to assets | 0.1495% | 5,701 |
| Net operating income to assets | 0.6879% | 3,274 |
| Return on assets (ROA) | 0.6879% | 3,398 |
| Pretax return on assets | 0.6879% | 4,016 |
| Return on Equity (ROE) | 7.0027% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.0027% | 1,323 |
| Net charge-offs to loans | 0.8589% | 2,483 |
| Credit loss provision to net charge-offs | 37.2460% | 6,418 |
| Earnings coverage of net charge-offs (x) | 2.0858% | 4,154 |
| Efficiency ratio | 78.3200% | 2,648 |
| Assets per employee ($millions) | 3.1675% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,753 |
| Loan loss allowance to noncurrent loans | 34.3901% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 2,642 |
| Noncurrent loans to loans | 3.9226% | 1,863 |
| Net loans and leases to total assets | 43.4592% | 6,755 |
| Net loans and leases to deposits | 48.4854% | 6,929 |
| Net loans and leases to core deposits | 50.4930% | 6,961 |
| Total domestic deposits to total assets | 89.6336% | 1,300 |
| Equity capital to assets | 10.0813% | 3,643 |
| Core capital (leverage) ratio | 9.2395% | 4,110 |
| Tier 1 risk-based capital ratio | 19.0803% | 1,697 |
| Total risk-based capital ratio | 20.2860% | 1,680 |
| Memoranda: | ||
| Average total assets | $110,335,800 | 4,707 |
| Average earning assets | $103,229,400 | 4,631 |
| Average equity | $10,838,600 | 4,902 |
| Average total loans | $51,579,800 | 5,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 4,865 |
| Cost of funding earning assets | 1.3050% | 4,179 |
| Net interest margin | 3.6854% | 4,483 |
| Noninterest income to average assets | 0.4396% | 4,640 |
| Noninterest expense to average assets | 2.9946% | 3,765 |
| Loan and lease loss provision to assets | 0.1622% | 5,413 |
| Net operating income to assets | 0.7327% | 3,270 |
| Return on assets (ROA) | 0.7327% | 3,430 |
| Pretax return on assets | 0.7327% | 4,137 |
| Return on Equity (ROE) | 7.5070% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.5070% | 1,595 |
| Net charge-offs to loans | 0.8641% | 2,285 |
| Credit loss provision to net charge-offs | 39.5894% | 6,021 |
| Earnings coverage of net charge-offs (x) | 2.1847% | 4,087 |
| Efficiency ratio | 76.9920% | 2,764 |
| Assets per employee ($millions) | 3.0031% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,566 |
| Loan loss allowance to noncurrent loans | 32.4806% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 2.7657% | 2,617 |
| Noncurrent loans to loans | 4.2516% | 1,713 |
| Net loans and leases to total assets | 46.9652% | 6,615 |
| Net loans and leases to deposits | 52.6046% | 6,860 |
| Net loans and leases to core deposits | 55.5039% | 6,886 |
| Total domestic deposits to total assets | 89.2796% | 1,240 |
| Equity capital to assets | 10.4216% | 3,613 |
| Core capital (leverage) ratio | 9.2437% | 4,290 |
| Tier 1 risk-based capital ratio | 17.7784% | 2,085 |
| Total risk-based capital ratio | 19.0451% | 2,045 |
| Memoranda: | ||
| Average total assets | $110,996,250 | 4,740 |
| Average earning assets | $103,902,250 | 4,673 |
| Average equity | $10,834,000 | 4,965 |
| Average total loans | $52,614,000 | 5,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 4,542 |
| Cost of funding earning assets | 1.3753% | 4,028 |
| Net interest margin | 3.7087% | 4,323 |
| Noninterest income to average assets | 0.3376% | 5,451 |
| Noninterest expense to average assets | 2.8725% | 4,175 |
| Loan and lease loss provision to assets | 0.0625% | 6,324 |
| Net operating income to assets | 0.8807% | 2,618 |
| Return on assets (ROA) | 0.8807% | 2,749 |
| Pretax return on assets | 0.8807% | 3,575 |
| Return on Equity (ROE) | 9.2239% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.2239% | 1,039 |
| Net charge-offs to loans | 0.4378% | 3,234 |
| Credit loss provision to net charge-offs | 30.1724% | 5,733 |
| Earnings coverage of net charge-offs (x) | 4.5517% | 2,918 |
| Efficiency ratio | 75.2809% | 3,213 |
| Assets per employee ($millions) | 3.2949% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,527 |
| Loan loss allowance to noncurrent loans | 31.4286% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 3.0387% | 2,340 |
| Noncurrent loans to loans | 5.0328% | 1,368 |
| Net loans and leases to total assets | 47.8396% | 6,634 |
| Net loans and leases to deposits | 53.4319% | 6,898 |
| Net loans and leases to core deposits | 53.4319% | 7,061 |
| Total domestic deposits to total assets | 89.5339% | 1,158 |
| Equity capital to assets | 10.2104% | 3,756 |
| Core capital (leverage) ratio | 8.8139% | 4,892 |
| Tier 1 risk-based capital ratio | 17.2805% | 2,174 |
| Total risk-based capital ratio | 18.5334% | 2,139 |
| Memoranda: | ||
| Average total assets | $111,957,670 | 4,750 |
| Average earning assets | $104,995,670 | 4,667 |
| Average equity | $10,689,670 | 5,006 |
| Average total loans | $52,990,000 | 5,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 4,582 |
| Cost of funding earning assets | 1.4171% | 4,069 |
| Net interest margin | 3.6717% | 4,387 |
| Noninterest income to average assets | 0.3135% | 5,645 |
| Noninterest expense to average assets | 2.7718% | 4,598 |
| Loan and lease loss provision to assets | 0.0352% | 6,323 |
| Net operating income to assets | 0.9650% | 2,312 |
| Return on assets (ROA) | 0.9650% | 2,378 |
| Pretax return on assets | 0.9650% | 3,219 |
| Return on Equity (ROE) | 10.4545% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.4545% | 1,055 |
| Net charge-offs to loans | 0.5428% | 2,442 |
| Credit loss provision to net charge-offs | 13.8889% | 5,010 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 2,740 |
| Efficiency ratio | 73.4827% | 3,667 |
| Assets per employee ($millions) | 3.1413% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,335 |
| Loan loss allowance to noncurrent loans | 28.5762% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 3.1568% | 2,274 |
| Noncurrent loans to loans | 5.6990% | 1,194 |
| Net loans and leases to total assets | 45.6680% | 6,853 |
| Net loans and leases to deposits | 50.5669% | 7,105 |
| Net loans and leases to core deposits | 52.6517% | 7,169 |
| Total domestic deposits to total assets | 90.3120% | 824 |
| Equity capital to assets | 9.3812% | 4,706 |
| Core capital (leverage) ratio | 8.4789% | 5,411 |
| Tier 1 risk-based capital ratio | 16.6681% | 2,385 |
| Total risk-based capital ratio | 17.9368% | 2,332 |
| Memoranda: | ||
| Average total assets | $113,570,500 | 4,778 |
| Average earning assets | $106,981,500 | 4,675 |
| Average equity | $10,483,500 | 5,106 |
| Average total loans | $53,058,500 | 5,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 6,726 |
| Cost of funding earning assets | 1.8952% | 3,485 |
| Net interest margin | 2.9970% | 6,656 |
| Noninterest income to average assets | 0.3248% | 5,758 |
| Noninterest expense to average assets | 3.1178% | 3,663 |
| Loan and lease loss provision to assets | 0.1226% | 6,414 |
| Net operating income to assets | -0.0841% | 5,649 |
| Return on assets (ROA) | 0.0061% | 5,514 |
| Pretax return on assets | 0.0061% | 5,429 |
| Return on Equity (ROE) | 0.0695% | 5,513 |
| Retained earnings to average equity (ytd only) | 0.0695% | 4,865 |
| Net charge-offs to loans | 1.4000% | 1,792 |
| Credit loss provision to net charge-offs | 18.1818% | 6,943 |
| Earnings coverage of net charge-offs (x) | 0.0571% | 6,119 |
| Efficiency ratio | 98.7795% | 1,165 |
| Assets per employee ($millions) | 3.4562% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 2,867 |
| Loan loss allowance to noncurrent loans | 25.0410% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 3.4221% | 1,974 |
| Noncurrent loans to loans | 6.8299% | 847 |
| Net loans and leases to total assets | 46.2066% | 6,953 |
| Net loans and leases to deposits | 51.0273% | 7,202 |
| Net loans and leases to core deposits | 62.4097% | 7,176 |
| Total domestic deposits to total assets | 90.5526% | 717 |
| Equity capital to assets | 9.0817% | 5,009 |
| Core capital (leverage) ratio | 8.0171% | 6,156 |
| Tier 1 risk-based capital ratio | 16.1392% | 2,458 |
| Total risk-based capital ratio | 17.4072% | 2,386 |
| Memoranda: | ||
| Average total assets | $114,215,400 | 4,718 |
| Average earning assets | $107,906,400 | 4,631 |
| Average equity | $10,070,000 | 5,279 |
| Average total loans | $54,998,800 | 5,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 6,955 |
| Cost of funding earning assets | 1.9661% | 3,539 |
| Net interest margin | 2.9048% | 6,849 |
| Noninterest income to average assets | 0.3256% | 5,881 |
| Noninterest expense to average assets | 3.1636% | 3,425 |
| Loan and lease loss provision to assets | 0.1634% | 5,717 |
| Net operating income to assets | -0.2497% | 6,141 |
| Return on assets (ROA) | -0.2497% | 6,147 |
| Pretax return on assets | -0.2497% | 6,041 |
| Return on Equity (ROE) | -2.8539% | 6,222 |
| Retained earnings to average equity (ytd only) | -2.8539% | 5,908 |
| Net charge-offs to loans | 1.7900% | 1,129 |
| Credit loss provision to net charge-offs | 18.8425% | 6,582 |
| Earnings coverage of net charge-offs (x) | -0.0996% | 6,178 |
| Efficiency ratio | 102.8062% | 952 |
| Assets per employee ($millions) | 3.2269% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 2,397 |
| Loan loss allowance to noncurrent loans | 22.5891% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 3.7256% | 1,745 |
| Noncurrent loans to loans | 7.8136% | 637 |
| Net loans and leases to total assets | 45.2268% | 7,157 |
| Net loans and leases to deposits | 51.7233% | 7,315 |
| Net loans and leases to core deposits | 62.5074% | 7,306 |
| Total domestic deposits to total assets | 87.4400% | 1,927 |
| Equity capital to assets | 8.8939% | 5,644 |
| Core capital (leverage) ratio | 8.0675% | 6,242 |
| Tier 1 risk-based capital ratio | 15.6019% | 2,771 |
| Total risk-based capital ratio | 16.8725% | 2,703 |
| Memoranda: | ||
| Average total assets | $114,256,000 | 4,739 |
| Average earning assets | $108,233,000 | 4,643 |
| Average equity | $9,998,000 | 5,337 |
| Average total loans | $55,344,250 | 5,491 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 6,995 |
| Cost of funding earning assets | 2.0402% | 3,576 |
| Net interest margin | 2.8744% | 6,857 |
| Noninterest income to average assets | 0.3169% | 5,975 |
| Noninterest expense to average assets | 3.1351% | 3,558 |
| Loan and lease loss provision to assets | 0.2464% | 4,611 |
| Net operating income to assets | -0.3415% | 6,380 |
| Return on assets (ROA) | -0.3415% | 6,395 |
| Pretax return on assets | -0.3415% | 6,276 |
| Return on Equity (ROE) | -3.9245% | 6,472 |
| Retained earnings to average equity (ytd only) | -3.9245% | 6,125 |
| Net charge-offs to loans | 2.8339% | 578 |
| Credit loss provision to net charge-offs | 17.6545% | 6,148 |
| Earnings coverage of net charge-offs (x) | -0.0681% | 5,769 |
| Efficiency ratio | 103.1268% | 1,057 |
| Assets per employee ($millions) | 2.6872% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 2,421 |
| Loan loss allowance to noncurrent loans | 18.8767% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 4.3194% | 1,335 |
| Noncurrent loans to loans | 8.8931% | 448 |
| Net loans and leases to total assets | 46.3934% | 7,169 |
| Net loans and leases to deposits | 53.1735% | 7,328 |
| Net loans and leases to core deposits | 59.7919% | 7,460 |
| Total domestic deposits to total assets | 87.2491% | 2,127 |
| Equity capital to assets | 8.5998% | 5,894 |
| Core capital (leverage) ratio | 8.0389% | 6,256 |
| Tier 1 risk-based capital ratio | 16.2208% | 2,543 |
| Total risk-based capital ratio | 17.3001% | 2,549 |
| Memoranda: | ||
| Average total assets | $113,618,000 | 4,781 |
| Average earning assets | $107,638,670 | 4,688 |
| Average equity | $9,886,670 | 5,389 |
| Average total loans | $55,964,330 | 5,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 7,064 |
| Cost of funding earning assets | 2.1056% | 3,625 |
| Net interest margin | 2.8397% | 6,900 |
| Noninterest income to average assets | 0.1509% | 7,220 |
| Noninterest expense to average assets | 3.1335% | 3,251 |
| Loan and lease loss provision to assets | 0.3509% | 3,210 |
| Net operating income to assets | -0.6456% | 7,004 |
| Return on assets (ROA) | -0.6456% | 7,043 |
| Pretax return on assets | -0.6456% | 6,930 |
| Return on Equity (ROE) | -7.3770% | 7,181 |
| Retained earnings to average equity (ytd only) | -7.3770% | 6,839 |
| Net charge-offs to loans | 3.6149% | 338 |
| Credit loss provision to net charge-offs | 19.3050% | 5,080 |
| Earnings coverage of net charge-offs (x) | -0.1622% | 5,114 |
| Efficiency ratio | 110.3832% | 801 |
| Assets per employee ($millions) | 2.8617% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 1,407 |
| Loan loss allowance to noncurrent loans | 19.9929% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 5.1369% | 867 |
| Noncurrent loans to loans | 10.0229% | 291 |
| Net loans and leases to total assets | 48.2340% | 7,007 |
| Net loans and leases to deposits | 55.3704% | 7,198 |
| Net loans and leases to core deposits | 67.7448% | 7,150 |
| Total domestic deposits to total assets | 87.1116% | 2,163 |
| Equity capital to assets | 8.7265% | 5,727 |
| Core capital (leverage) ratio | 8.0319% | 6,406 |
| Tier 1 risk-based capital ratio | 15.4629% | 2,869 |
| Total risk-based capital ratio | 16.7147% | 2,801 |
| Memoranda: | ||
| Average total assets | $113,995,500 | 4,802 |
| Average earning assets | $107,900,500 | 4,689 |
| Average equity | $9,977,000 | 5,392 |
| Average total loans | $57,319,000 | 5,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 7,260 |
| Cost of funding earning assets | 2.7439% | 2,955 |
| Net interest margin | 2.7737% | 7,375 |
| Noninterest income to average assets | 0.2144% | 6,901 |
| Noninterest expense to average assets | 3.2337% | 3,213 |
| Loan and lease loss provision to assets | 0.3074% | 3,910 |
| Net operating income to assets | -0.6996% | 7,064 |
| Return on assets (ROA) | -0.6689% | 6,945 |
| Pretax return on assets | -0.6689% | 6,788 |
| Return on Equity (ROE) | -8.6684% | 7,171 |
| Retained earnings to average equity (ytd only) | -8.6684% | 6,938 |
| Net charge-offs to loans | 2.4023% | 418 |
| Credit loss provision to net charge-offs | 24.1199% | 6,564 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 6,420 |
| Efficiency ratio | 113.8012% | 635 |
| Assets per employee ($millions) | 2.6401% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 1,324 |
| Loan loss allowance to noncurrent loans | 22.4886% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 5.1822% | 653 |
| Noncurrent loans to loans | 8.6574% | 293 |
| Net loans and leases to total assets | 50.3523% | 6,995 |
| Net loans and leases to deposits | 57.8580% | 7,213 |
| Net loans and leases to core deposits | 69.8665% | 7,196 |
| Total domestic deposits to total assets | 87.0274% | 1,922 |
| Equity capital to assets | 8.7779% | 5,691 |
| Core capital (leverage) ratio | 8.1662% | 6,226 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,263 |
| Total risk-based capital ratio | 15.8332% | 3,177 |
| Memoranda: | ||
| Average total assets | $120,355,800 | 4,509 |
| Average earning assets | $113,999,000 | 4,415 |
| Average equity | $9,286,600 | 5,642 |
| Average total loans | $63,854,800 | 5,104 |