Home > Highland Community Bank > Performance and Condition Ratios
Highland Community Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 5,641 |
| Cost of funding earning assets | 0.2260% | 5,551 |
| Net interest margin | 3.1123% | 5,173 |
| Noninterest income to average assets | 1.2885% | 736 |
| Noninterest expense to average assets | 4.8903% | 333 |
| Loan and lease loss provision to assets | 0.3274% | 595 |
| Net operating income to assets | -0.9758% | 6,376 |
| Return on assets (ROA) | -0.9758% | 6,377 |
| Pretax return on assets | -0.9758% | 6,370 |
| Return on Equity (ROE) | -58.3284% | 6,490 |
| Retained earnings to average equity (ytd only) | -58.3284% | 6,489 |
| Net charge-offs to loans | 0.8210% | 422 |
| Credit loss provision to net charge-offs | 83.6820% | 2,791 |
| Earnings coverage of net charge-offs (x) | -1.6569% | 4,826 |
| Efficiency ratio | 115.2837% | 157 |
| Assets per employee ($millions) | 2.1891% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1194% | 69 |
| Loan loss allowance to noncurrent loans | 41.4164% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 6.3205% | 181 |
| Noncurrent loans to loans | 12.3608% | 42 |
| Net loans and leases to total assets | 42.9751% | 5,541 |
| Net loans and leases to deposits | 43.9994% | 5,877 |
| Net loans and leases to core deposits | 53.3553% | 5,538 |
| Total domestic deposits to total assets | 97.6721% | 3 |
| Equity capital to assets | 1.5970% | 6,505 |
| Core capital (leverage) ratio | 1.6498% | 6,506 |
| Tier 1 risk-based capital ratio | 3.5554% | 6,501 |
| Total risk-based capital ratio | 4.8500% | 6,501 |
| Memoranda: | ||
| Average total assets | $61,080,400 | 5,523 |
| Average earning assets | $57,964,200 | 5,459 |
| Average equity | $1,021,800 | 6,497 |
| Average total loans | $29,112,200 | 5,598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 5,752 |
| Cost of funding earning assets | 0.2329% | 5,569 |
| Net interest margin | 3.0768% | 5,317 |
| Noninterest income to average assets | 1.5084% | 550 |
| Noninterest expense to average assets | 4.8316% | 348 |
| Loan and lease loss provision to assets | 0.4255% | 381 |
| Net operating income to assets | -0.8255% | 6,440 |
| Return on assets (ROA) | -0.8255% | 6,437 |
| Pretax return on assets | -0.8255% | 6,423 |
| Return on Equity (ROE) | -48.8614% | 6,566 |
| Retained earnings to average equity (ytd only) | -48.8614% | 6,564 |
| Net charge-offs to loans | 0.0839% | 3,002 |
| Credit loss provision to net charge-offs | 1,052.6316% | 313 |
| Earnings coverage of net charge-offs (x) | -9.8958% | 4,635 |
| Efficiency ratio | 109.0254% | 231 |
| Assets per employee ($millions) | 2.1603% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4498% | 60 |
| Loan loss allowance to noncurrent loans | 46.8976% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 6.1685% | 218 |
| Noncurrent loans to loans | 11.6207% | 57 |
| Net loans and leases to total assets | 44.2884% | 5,504 |
| Net loans and leases to deposits | 45.3704% | 5,913 |
| Net loans and leases to core deposits | 54.3109% | 5,549 |
| Total domestic deposits to total assets | 97.6153% | 7 |
| Equity capital to assets | 1.5721% | 6,580 |
| Core capital (leverage) ratio | 1.9109% | 6,582 |
| Tier 1 risk-based capital ratio | 4.0007% | 6,573 |
| Total risk-based capital ratio | 5.2994% | 6,572 |
| Memoranda: | ||
| Average total assets | $62,668,750 | 5,545 |
| Average earning assets | $59,541,000 | 5,468 |
| Average equity | $1,058,750 | 6,573 |
| Average total loans | $30,193,250 | 5,610 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 5,791 |
| Cost of funding earning assets | 0.2393% | 5,591 |
| Net interest margin | 3.0615% | 5,368 |
| Noninterest income to average assets | 1.9496% | 360 |
| Noninterest expense to average assets | 4.8288% | 347 |
| Loan and lease loss provision to assets | 0.6239% | 228 |
| Net operating income to assets | -0.5896% | 6,456 |
| Return on assets (ROA) | -0.5896% | 6,461 |
| Pretax return on assets | -0.5896% | 6,445 |
| Return on Equity (ROE) | -34.1772% | 6,619 |
| Retained earnings to average equity (ytd only) | -34.1772% | 6,601 |
| Net charge-offs to loans | -0.2247% | 6,367 |
| Credit loss provision to net charge-offs | -571.4286% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2944% | 423 |
| Assets per employee ($millions) | 2.2669% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3977% | 67 |
| Loan loss allowance to noncurrent loans | 48.1285% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 5.6972% | 285 |
| Noncurrent loans to loans | 11.2153% | 57 |
| Net loans and leases to total assets | 44.1843% | 5,522 |
| Net loans and leases to deposits | 45.3825% | 5,918 |
| Net loans and leases to core deposits | 53.8534% | 5,563 |
| Total domestic deposits to total assets | 97.3597% | 3 |
| Equity capital to assets | 1.8528% | 6,649 |
| Core capital (leverage) ratio | 2.1519% | 6,649 |
| Tier 1 risk-based capital ratio | 4.5539% | 6,633 |
| Total risk-based capital ratio | 5.8536% | 6,635 |
| Memoranda: | ||
| Average total assets | $64,115,330 | 5,558 |
| Average earning assets | $61,016,000 | 5,478 |
| Average equity | $1,106,000 | 6,636 |
| Average total loans | $31,150,330 | 5,622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 5,603 |
| Cost of funding earning assets | 0.2434% | 5,651 |
| Net interest margin | 3.1765% | 4,999 |
| Noninterest income to average assets | 2.9647% | 192 |
| Noninterest expense to average assets | 4.9595% | 324 |
| Loan and lease loss provision to assets | 1.2201% | 88 |
| Net operating income to assets | -0.1891% | 6,348 |
| Return on assets (ROA) | -0.1891% | 6,352 |
| Pretax return on assets | -0.1891% | 6,340 |
| Return on Equity (ROE) | -11.3553% | 6,577 |
| Retained earnings to average equity (ytd only) | -11.3553% | 6,399 |
| Net charge-offs to loans | -0.0370% | 5,678 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7902% | 1,826 |
| Assets per employee ($millions) | 2.2816% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8598% | 96 |
| Loan loss allowance to noncurrent loans | 52.7768% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 4.9510% | 414 |
| Noncurrent loans to loans | 9.2082% | 118 |
| Net loans and leases to total assets | 46.3028% | 5,307 |
| Net loans and leases to deposits | 47.5052% | 5,762 |
| Net loans and leases to core deposits | 55.9229% | 5,357 |
| Total domestic deposits to total assets | 97.4689% | 7 |
| Equity capital to assets | 1.8251% | 6,717 |
| Core capital (leverage) ratio | 2.3086% | 6,715 |
| Tier 1 risk-based capital ratio | 4.5611% | 6,700 |
| Total risk-based capital ratio | 5.8514% | 6,702 |
| Memoranda: | ||
| Average total assets | $65,570,500 | 5,577 |
| Average earning assets | $62,458,000 | 5,487 |
| Average equity | $1,092,000 | 6,704 |
| Average total loans | $32,432,500 | 5,615 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 5,312 |
| Cost of funding earning assets | 0.2857% | 5,703 |
| Net interest margin | 3.3513% | 4,478 |
| Noninterest income to average assets | 0.3867% | 4,542 |
| Noninterest expense to average assets | 4.7162% | 439 |
| Loan and lease loss provision to assets | 0.6401% | 378 |
| Net operating income to assets | -1.7691% | 6,697 |
| Return on assets (ROA) | -1.7691% | 6,696 |
| Pretax return on assets | -1.7691% | 6,692 |
| Return on Equity (ROE) | -67.9313% | 6,793 |
| Retained earnings to average equity (ytd only) | -67.9313% | 6,791 |
| Net charge-offs to loans | 2.8939% | 87 |
| Credit loss provision to net charge-offs | 41.7018% | 4,005 |
| Earnings coverage of net charge-offs (x) | -0.7355% | 5,236 |
| Efficiency ratio | 131.4708% | 114 |
| Assets per employee ($millions) | 2.4020% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8729% | 222 |
| Loan loss allowance to noncurrent loans | 45.6226% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 4.7089% | 516 |
| Noncurrent loans to loans | 8.4890% | 169 |
| Net loans and leases to total assets | 48.2715% | 5,268 |
| Net loans and leases to deposits | 49.3367% | 5,808 |
| Net loans and leases to core deposits | 57.5315% | 5,423 |
| Total domestic deposits to total assets | 97.8411% | 7 |
| Equity capital to assets | 1.5136% | 6,796 |
| Core capital (leverage) ratio | 2.1498% | 6,795 |
| Tier 1 risk-based capital ratio | 4.2021% | 6,777 |
| Total risk-based capital ratio | 5.4816% | 6,781 |
| Memoranda: | ||
| Average total assets | $77,329,200 | 5,296 |
| Average earning assets | $73,852,800 | 5,195 |
| Average equity | $2,013,800 | 6,682 |
| Average total loans | $41,018,000 | 5,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 5,503 |
| Cost of funding earning assets | 0.2884% | 5,823 |
| Net interest margin | 3.2897% | 4,682 |
| Noninterest income to average assets | 0.3707% | 4,746 |
| Noninterest expense to average assets | 4.6988% | 438 |
| Loan and lease loss provision to assets | 0.8265% | 224 |
| Net operating income to assets | -2.0121% | 6,806 |
| Return on assets (ROA) | -2.0121% | 6,809 |
| Pretax return on assets | -2.0121% | 6,804 |
| Return on Equity (ROE) | -71.0034% | 6,871 |
| Retained earnings to average equity (ytd only) | -71.0034% | 6,868 |
| Net charge-offs to loans | 2.3068% | 144 |
| Credit loss provision to net charge-offs | 66.8016% | 3,136 |
| Earnings coverage of net charge-offs (x) | -0.9582% | 5,006 |
| Efficiency ratio | 133.7452% | 113 |
| Assets per employee ($millions) | 2.6170% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7056% | 143 |
| Loan loss allowance to noncurrent loans | 64.7710% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 4.1051% | 754 |
| Noncurrent loans to loans | 7.2649% | 277 |
| Net loans and leases to total assets | 48.4763% | 5,301 |
| Net loans and leases to deposits | 49.6575% | 5,860 |
| Net loans and leases to core deposits | 57.3789% | 5,501 |
| Total domestic deposits to total assets | 97.6213% | 6 |
| Equity capital to assets | 1.7359% | 6,880 |
| Core capital (leverage) ratio | 2.1708% | 6,881 |
| Tier 1 risk-based capital ratio | 4.2241% | 6,864 |
| Total risk-based capital ratio | 5.5137% | 6,864 |
| Memoranda: | ||
| Average total assets | $79,847,750 | 5,290 |
| Average earning assets | $76,276,750 | 5,187 |
| Average equity | $2,262,750 | 6,733 |
| Average total loans | $42,829,250 | 5,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 5,398 |
| Cost of funding earning assets | 0.2934% | 5,880 |
| Net interest margin | 3.3190% | 4,491 |
| Noninterest income to average assets | 0.3291% | 5,062 |
| Noninterest expense to average assets | 4.5637% | 495 |
| Loan and lease loss provision to assets | 0.8411% | 246 |
| Net operating income to assets | -1.9040% | 6,843 |
| Return on assets (ROA) | -1.9040% | 6,845 |
| Pretax return on assets | -1.9040% | 6,835 |
| Return on Equity (ROE) | -60.2391% | 6,918 |
| Retained earnings to average equity (ytd only) | -60.2391% | 6,915 |
| Net charge-offs to loans | 1.6472% | 301 |
| Credit loss provision to net charge-offs | 93.7500% | 2,357 |
| Earnings coverage of net charge-offs (x) | -1.1848% | 4,725 |
| Efficiency ratio | 130.3621% | 127 |
| Assets per employee ($millions) | 2.3938% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8444% | 133 |
| Loan loss allowance to noncurrent loans | 65.6375% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 4.3532% | 765 |
| Noncurrent loans to loans | 7.3805% | 304 |
| Net loans and leases to total assets | 47.7128% | 5,356 |
| Net loans and leases to deposits | 49.2093% | 5,905 |
| Net loans and leases to core deposits | 56.0442% | 5,591 |
| Total domestic deposits to total assets | 96.9590% | 11 |
| Equity capital to assets | 2.3934% | 6,920 |
| Core capital (leverage) ratio | 2.5121% | 6,917 |
| Tier 1 risk-based capital ratio | 4.8352% | 6,901 |
| Total risk-based capital ratio | 6.1259% | 6,902 |
| Memoranda: | ||
| Average total assets | $82,038,670 | 5,273 |
| Average earning assets | $78,398,000 | 5,157 |
| Average equity | $2,593,000 | 6,732 |
| Average total loans | $44,680,670 | 5,239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,894 |
| Cost of funding earning assets | 0.2954% | 6,003 |
| Net interest margin | 3.4841% | 3,771 |
| Noninterest income to average assets | 0.3011% | 5,290 |
| Noninterest expense to average assets | 4.7060% | 453 |
| Loan and lease loss provision to assets | 0.3400% | 981 |
| Net operating income to assets | -1.4230% | 6,875 |
| Return on assets (ROA) | -1.4230% | 6,880 |
| Pretax return on assets | -1.4230% | 6,872 |
| Return on Equity (ROE) | -40.1989% | 6,954 |
| Retained earnings to average equity (ytd only) | -40.1989% | 6,935 |
| Net charge-offs to loans | 0.7808% | 785 |
| Credit loss provision to net charge-offs | 76.9231% | 2,196 |
| Earnings coverage of net charge-offs (x) | -2.4505% | 4,037 |
| Efficiency ratio | 129.8928% | 151 |
| Assets per employee ($millions) | 2.3358% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4645% | 201 |
| Loan loss allowance to noncurrent loans | 45.4943% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 5.8029% | 566 |
| Noncurrent loans to loans | 9.8134% | 220 |
| Net loans and leases to total assets | 51.8006% | 4,733 |
| Net loans and leases to deposits | 53.9630% | 5,439 |
| Net loans and leases to core deposits | 61.5049% | 4,999 |
| Total domestic deposits to total assets | 95.9928% | 25 |
| Equity capital to assets | 3.3981% | 6,961 |
| Core capital (leverage) ratio | 3.0893% | 6,966 |
| Tier 1 risk-based capital ratio | 5.5172% | 6,943 |
| Total risk-based capital ratio | 6.8031% | 6,946 |
| Memoranda: | ||
| Average total assets | $82,363,500 | 5,309 |
| Average earning assets | $78,527,500 | 5,194 |
| Average equity | $2,915,500 | 6,743 |
| Average total loans | $46,616,000 | 5,190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 5,171 |
| Cost of funding earning assets | 0.3851% | 6,015 |
| Net interest margin | 3.6592% | 3,832 |
| Noninterest income to average assets | 0.5273% | 3,730 |
| Noninterest expense to average assets | 4.8768% | 418 |
| Loan and lease loss provision to assets | 1.5954% | 187 |
| Net operating income to assets | -2.4911% | 6,976 |
| Return on assets (ROA) | -2.4707% | 6,979 |
| Pretax return on assets | -2.4662% | 6,977 |
| Return on Equity (ROE) | -53.7282% | 7,026 |
| Retained earnings to average equity (ytd only) | -53.7282% | 7,022 |
| Net charge-offs to loans | 6.2616% | 12 |
| Credit loss provision to net charge-offs | 41.2006% | 4,913 |
| Earnings coverage of net charge-offs (x) | -0.2302% | 5,583 |
| Efficiency ratio | 122.3613% | 192 |
| Assets per employee ($millions) | 2.1276% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0896% | 268 |
| Loan loss allowance to noncurrent loans | 40.8163% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 6.5731% | 502 |
| Noncurrent loans to loans | 10.0194% | 232 |
| Net loans and leases to total assets | 56.5291% | 4,201 |
| Net loans and leases to deposits | 59.1428% | 5,116 |
| Net loans and leases to core deposits | 67.5621% | 4,583 |
| Total domestic deposits to total assets | 95.5806% | 34 |
| Equity capital to assets | 3.6794% | 7,015 |
| Core capital (leverage) ratio | 3.3560% | 7,020 |
| Tier 1 risk-based capital ratio | 5.4868% | 7,007 |
| Total risk-based capital ratio | 6.7689% | 7,008 |
| Memoranda: | ||
| Average total assets | $88,192,600 | 5,136 |
| Average earning assets | $83,350,600 | 5,033 |
| Average equity | $4,055,600 | 6,554 |
| Average total loans | $54,538,400 | 4,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 5,372 |
| Cost of funding earning assets | 0.3994% | 6,122 |
| Net interest margin | 3.6466% | 4,018 |
| Noninterest income to average assets | 0.4410% | 4,356 |
| Noninterest expense to average assets | 4.5602% | 523 |
| Loan and lease loss provision to assets | 2.0365% | 111 |
| Net operating income to assets | -2.7203% | 7,102 |
| Return on assets (ROA) | -2.6935% | 7,104 |
| Pretax return on assets | -2.6876% | 7,094 |
| Return on Equity (ROE) | -55.9793% | 7,133 |
| Retained earnings to average equity (ytd only) | -55.9793% | 7,129 |
| Net charge-offs to loans | 7.8716% | 11 |
| Credit loss provision to net charge-offs | 41.3866% | 4,587 |
| Earnings coverage of net charge-offs (x) | -0.1378% | 5,395 |
| Efficiency ratio | 117.4597% | 213 |
| Assets per employee ($millions) | 2.1691% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0071% | 306 |
| Loan loss allowance to noncurrent loans | 42.6513% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 6.5027% | 580 |
| Noncurrent loans to loans | 9.3951% | 285 |
| Net loans and leases to total assets | 58.6742% | 4,010 |
| Net loans and leases to deposits | 61.5472% | 5,020 |
| Net loans and leases to core deposits | 69.5796% | 4,550 |
| Total domestic deposits to total assets | 95.3319% | 35 |
| Equity capital to assets | 4.1113% | 7,099 |
| Core capital (leverage) ratio | 3.6675% | 7,107 |
| Tier 1 risk-based capital ratio | 5.7661% | 7,091 |
| Total risk-based capital ratio | 7.0457% | 7,091 |
| Memoranda: | ||
| Average total assets | $89,497,000 | 5,157 |
| Average earning assets | $84,460,750 | 5,059 |
| Average equity | $4,306,250 | 6,563 |
| Average total loans | $55,946,750 | 4,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 5,256 |
| Cost of funding earning assets | 0.4175% | 6,177 |
| Net interest margin | 3.6995% | 3,821 |
| Noninterest income to average assets | 0.4411% | 4,361 |
| Noninterest expense to average assets | 4.5144% | 545 |
| Loan and lease loss provision to assets | 2.2056% | 113 |
| Net operating income to assets | -2.7982% | 7,143 |
| Return on assets (ROA) | -2.7587% | 7,145 |
| Pretax return on assets | -2.7587% | 7,134 |
| Return on Equity (ROE) | -54.8629% | 7,178 |
| Retained earnings to average equity (ytd only) | -54.8629% | 7,173 |
| Net charge-offs to loans | 3.8459% | 119 |
| Credit loss provision to net charge-offs | 91.1151% | 3,007 |
| Earnings coverage of net charge-offs (x) | -0.2448% | 5,174 |
| Efficiency ratio | 115.1091% | 266 |
| Assets per employee ($millions) | 2.2606% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2223% | 43 |
| Loan loss allowance to noncurrent loans | 57.6016% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 8.4308% | 393 |
| Noncurrent loans to loans | 12.5383% | 156 |
| Net loans and leases to total assets | 56.9705% | 4,334 |
| Net loans and leases to deposits | 60.0476% | 5,232 |
| Net loans and leases to core deposits | 66.9564% | 4,903 |
| Total domestic deposits to total assets | 94.8755% | 54 |
| Equity capital to assets | 4.5335% | 7,112 |
| Core capital (leverage) ratio | 4.1415% | 7,122 |
| Tier 1 risk-based capital ratio | 6.7035% | 7,108 |
| Total risk-based capital ratio | 8.0224% | 7,105 |
| Memoranda: | ||
| Average total assets | $91,130,670 | 5,133 |
| Average earning assets | $85,741,000 | 5,057 |
| Average equity | $4,582,330 | 6,522 |
| Average total loans | $57,359,670 | 4,897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 5,390 |
| Cost of funding earning assets | 0.4200% | 6,316 |
| Net interest margin | 3.6986% | 3,835 |
| Noninterest income to average assets | 0.5010% | 3,904 |
| Noninterest expense to average assets | 4.4313% | 581 |
| Loan and lease loss provision to assets | 2.0083% | 138 |
| Net operating income to assets | -2.4014% | 7,183 |
| Return on assets (ROA) | -2.3323% | 7,177 |
| Pretax return on assets | -2.3323% | 7,162 |
| Return on Equity (ROE) | -44.3077% | 7,212 |
| Retained earnings to average equity (ytd only) | -44.3077% | 7,199 |
| Net charge-offs to loans | 0.1560% | 3,160 |
| Credit loss provision to net charge-offs | 2,021.7391% | 158 |
| Earnings coverage of net charge-offs (x) | -3.9565% | 4,653 |
| Efficiency ratio | 109.7326% | 339 |
| Assets per employee ($millions) | 2.3208% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6357% | 39 |
| Loan loss allowance to noncurrent loans | 54.3677% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 9.2642% | 363 |
| Noncurrent loans to loans | 14.0445% | 144 |
| Net loans and leases to total assets | 59.4730% | 3,782 |
| Net loans and leases to deposits | 62.8888% | 4,786 |
| Net loans and leases to core deposits | 69.9723% | 4,421 |
| Total domestic deposits to total assets | 94.5686% | 72 |
| Equity capital to assets | 5.0691% | 7,136 |
| Core capital (leverage) ratio | 4.6675% | 7,143 |
| Tier 1 risk-based capital ratio | 7.4693% | 7,111 |
| Total risk-based capital ratio | 8.7939% | 7,111 |
| Memoranda: | ||
| Average total assets | $92,613,500 | 5,136 |
| Average earning assets | $88,574,500 | 5,005 |
| Average equity | $4,875,000 | 6,464 |
| Average total loans | $58,970,500 | 4,858 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 5,915 |
| Cost of funding earning assets | 0.6104% | 6,047 |
| Net interest margin | 3.6404% | 4,561 |
| Noninterest income to average assets | 0.7154% | 2,515 |
| Noninterest expense to average assets | 4.3868% | 657 |
| Loan and lease loss provision to assets | 1.4067% | 549 |
| Net operating income to assets | -1.5843% | 6,926 |
| Return on assets (ROA) | -1.5833% | 6,946 |
| Pretax return on assets | -1.6004% | 6,919 |
| Return on Equity (ROE) | -25.9232% | 7,055 |
| Retained earnings to average equity (ytd only) | -25.9232% | 7,045 |
| Net charge-offs to loans | 0.2219% | 4,397 |
| Credit loss provision to net charge-offs | 1,008.6331% | 225 |
| Earnings coverage of net charge-offs (x) | -1.3957% | 6,239 |
| Efficiency ratio | 104.6434% | 549 |
| Assets per employee ($millions) | 2.3679% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7178% | 58 |
| Loan loss allowance to noncurrent loans | 53.9871% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 8.0492% | 504 |
| Noncurrent loans to loans | 12.4434% | 197 |
| Net loans and leases to total assets | 58.7582% | 4,237 |
| Net loans and leases to deposits | 62.5748% | 5,167 |
| Net loans and leases to core deposits | 71.6720% | 4,571 |
| Total domestic deposits to total assets | 93.9008% | 97 |
| Equity capital to assets | 5.4499% | 7,135 |
| Core capital (leverage) ratio | 5.1699% | 7,128 |
| Tier 1 risk-based capital ratio | 8.2412% | 7,097 |
| Total risk-based capital ratio | 9.5556% | 7,094 |
| Memoranda: | ||
| Average total assets | $99,663,400 | 4,899 |
| Average earning assets | $95,181,200 | 4,780 |
| Average equity | $6,087,200 | 6,133 |
| Average total loans | $62,653,400 | 4,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 5,978 |
| Cost of funding earning assets | 0.6529% | 6,017 |
| Net interest margin | 3.6368% | 4,633 |
| Noninterest income to average assets | 0.4744% | 4,088 |
| Noninterest expense to average assets | 4.1320% | 858 |
| Loan and lease loss provision to assets | 1.0175% | 841 |
| Net operating income to assets | -1.1787% | 6,950 |
| Return on assets (ROA) | -1.1774% | 6,971 |
| Pretax return on assets | -1.1998% | 6,940 |
| Return on Equity (ROE) | -18.8015% | 7,084 |
| Retained earnings to average equity (ytd only) | -18.8015% | 7,067 |
| Net charge-offs to loans | -0.3007% | 7,305 |
| Credit loss provision to net charge-offs | -538.4615% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6519% | 534 |
| Assets per employee ($millions) | 2.6062% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0470% | 87 |
| Loan loss allowance to noncurrent loans | 47.6674% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 8.1851% | 530 |
| Noncurrent loans to loans | 12.6858% | 210 |
| Net loans and leases to total assets | 57.3894% | 4,609 |
| Net loans and leases to deposits | 63.3980% | 5,247 |
| Net loans and leases to core deposits | 72.7721% | 4,611 |
| Total domestic deposits to total assets | 90.5224% | 628 |
| Equity capital to assets | 5.9313% | 7,194 |
| Core capital (leverage) ratio | 5.6526% | 7,166 |
| Tier 1 risk-based capital ratio | 9.1109% | 7,103 |
| Total risk-based capital ratio | 10.4162% | 7,091 |
| Memoranda: | ||
| Average total assets | $100,900,000 | 4,900 |
| Average earning assets | $96,383,750 | 4,763 |
| Average equity | $6,318,500 | 6,107 |
| Average total loans | $63,401,250 | 4,785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 5,920 |
| Cost of funding earning assets | 0.6745% | 6,105 |
| Net interest margin | 3.6533% | 4,502 |
| Noninterest income to average assets | 0.4787% | 4,040 |
| Noninterest expense to average assets | 4.2454% | 789 |
| Loan and lease loss provision to assets | 0.3940% | 2,444 |
| Net operating income to assets | -0.6718% | 6,802 |
| Return on assets (ROA) | -0.6698% | 6,806 |
| Pretax return on assets | -0.6698% | 6,750 |
| Return on Equity (ROE) | -10.5155% | 6,957 |
| Retained earnings to average equity (ytd only) | -10.5155% | 6,902 |
| Net charge-offs to loans | -0.4194% | 7,378 |
| Credit loss provision to net charge-offs | -148.1481% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0010% | 535 |
| Assets per employee ($millions) | 2.7038% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8899% | 201 |
| Loan loss allowance to noncurrent loans | 42.8313% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 7.1975% | 691 |
| Noncurrent loans to loans | 11.4166% | 291 |
| Net loans and leases to total assets | 58.3071% | 4,577 |
| Net loans and leases to deposits | 64.5960% | 5,196 |
| Net loans and leases to core deposits | 73.7898% | 4,602 |
| Total domestic deposits to total assets | 90.2642% | 833 |
| Equity capital to assets | 6.2096% | 7,221 |
| Core capital (leverage) ratio | 6.1313% | 7,178 |
| Tier 1 risk-based capital ratio | 9.5793% | 7,085 |
| Total risk-based capital ratio | 10.8716% | 7,083 |
| Memoranda: | ||
| Average total assets | $101,522,000 | 4,915 |
| Average earning assets | $96,954,330 | 4,784 |
| Average equity | $6,466,670 | 6,095 |
| Average total loans | $64,370,670 | 4,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 5,534 |
| Cost of funding earning assets | 0.6903% | 6,192 |
| Net interest margin | 3.7549% | 3,821 |
| Noninterest income to average assets | 0.4995% | 3,896 |
| Noninterest expense to average assets | 4.1224% | 898 |
| Loan and lease loss provision to assets | 0.0595% | 5,255 |
| Net operating income to assets | -0.1031% | 6,462 |
| Return on assets (ROA) | -0.1031% | 6,481 |
| Pretax return on assets | -0.1031% | 6,453 |
| Return on Equity (ROE) | -1.5975% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.5975% | 6,089 |
| Net charge-offs to loans | -0.9345% | 7,480 |
| Credit loss provision to net charge-offs | -9.8684% | 5,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0690% | 705 |
| Assets per employee ($millions) | 2.6302% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6072% | 264 |
| Loan loss allowance to noncurrent loans | 35.5469% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 8.4003% | 540 |
| Noncurrent loans to loans | 12.9610% | 232 |
| Net loans and leases to total assets | 60.3238% | 4,204 |
| Net loans and leases to deposits | 67.0981% | 4,814 |
| Net loans and leases to core deposits | 77.0016% | 4,162 |
| Total domestic deposits to total assets | 89.9039% | 1,205 |
| Equity capital to assets | 6.5253% | 7,200 |
| Core capital (leverage) ratio | 6.5641% | 7,156 |
| Tier 1 risk-based capital ratio | 9.9079% | 7,034 |
| Total risk-based capital ratio | 11.1962% | 7,022 |
| Memoranda: | ||
| Average total assets | $100,911,000 | 4,984 |
| Average earning assets | $96,195,000 | 4,848 |
| Average equity | $6,510,000 | 6,089 |
| Average total loans | $65,062,500 | 4,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 6,541 |
| Cost of funding earning assets | 0.9355% | 6,004 |
| Net interest margin | 3.5049% | 5,227 |
| Noninterest income to average assets | 0.9961% | 1,515 |
| Noninterest expense to average assets | 4.2579% | 852 |
| Loan and lease loss provision to assets | 1.8262% | 757 |
| Net operating income to assets | -1.7965% | 6,997 |
| Return on assets (ROA) | -1.5370% | 6,939 |
| Pretax return on assets | -1.5221% | 6,863 |
| Return on Equity (ROE) | -22.2203% | 7,077 |
| Retained earnings to average equity (ytd only) | -22.2203% | 7,055 |
| Net charge-offs to loans | 4.4441% | 249 |
| Credit loss provision to net charge-offs | 67.2458% | 5,924 |
| Earnings coverage of net charge-offs (x) | 0.0164% | 6,107 |
| Efficiency ratio | 97.2177% | 904 |
| Assets per employee ($millions) | 2.6121% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1019% | 365 |
| Loan loss allowance to noncurrent loans | 36.0994% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 8.1759% | 599 |
| Noncurrent loans to loans | 11.3628% | 332 |
| Net loans and leases to total assets | 62.9951% | 4,074 |
| Net loans and leases to deposits | 69.9295% | 4,822 |
| Net loans and leases to core deposits | 80.0506% | 4,213 |
| Total domestic deposits to total assets | 90.0837% | 1,045 |
| Equity capital to assets | 6.3785% | 7,278 |
| Core capital (leverage) ratio | 6.0816% | 7,284 |
| Tier 1 risk-based capital ratio | 9.4961% | 7,138 |
| Total risk-based capital ratio | 10.7787% | 7,138 |
| Memoranda: | ||
| Average total assets | $114,447,200 | 4,601 |
| Average earning assets | $107,962,200 | 4,514 |
| Average equity | $7,916,200 | 5,741 |
| Average total loans | $69,936,200 | 4,684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 6,399 |
| Cost of funding earning assets | 0.9761% | 6,051 |
| Net interest margin | 3.6011% | 4,871 |
| Noninterest income to average assets | 1.1463% | 1,066 |
| Noninterest expense to average assets | 3.9832% | 1,062 |
| Loan and lease loss provision to assets | 2.2337% | 497 |
| Net operating income to assets | -1.6974% | 7,158 |
| Return on assets (ROA) | -1.3708% | 7,084 |
| Pretax return on assets | -1.3515% | 6,993 |
| Return on Equity (ROE) | -19.4899% | 7,210 |
| Retained earnings to average equity (ytd only) | -19.4899% | 7,193 |
| Net charge-offs to loans | 5.8621% | 113 |
| Credit loss provision to net charge-offs | 63.3848% | 5,608 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,863 |
| Efficiency ratio | 87.2596% | 1,508 |
| Assets per employee ($millions) | 2.8409% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8344% | 423 |
| Loan loss allowance to noncurrent loans | 43.0469% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 6.8045% | 813 |
| Noncurrent loans to loans | 8.9075% | 545 |
| Net loans and leases to total assets | 59.4202% | 5,018 |
| Net loans and leases to deposits | 68.0603% | 5,414 |
| Net loans and leases to core deposits | 77.0935% | 4,908 |
| Total domestic deposits to total assets | 87.3053% | 2,368 |
| Equity capital to assets | 6.6421% | 7,403 |
| Core capital (leverage) ratio | 6.0770% | 7,422 |
| Tier 1 risk-based capital ratio | 9.4214% | 7,271 |
| Total risk-based capital ratio | 10.6988% | 7,268 |
| Memoranda: | ||
| Average total assets | $117,590,750 | 4,595 |
| Average earning assets | $110,778,500 | 4,516 |
| Average equity | $8,270,750 | 5,701 |
| Average total loans | $70,690,250 | 4,725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 6,328 |
| Cost of funding earning assets | 0.9880% | 6,206 |
| Net interest margin | 3.6575% | 4,550 |
| Noninterest income to average assets | 0.4756% | 4,314 |
| Noninterest expense to average assets | 3.8563% | 1,254 |
| Loan and lease loss provision to assets | 0.0918% | 6,004 |
| Net operating income to assets | -0.0133% | 6,097 |
| Return on assets (ROA) | 0.3638% | 5,074 |
| Pretax return on assets | 0.3638% | 5,330 |
| Return on Equity (ROE) | 5.0847% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.0847% | 2,857 |
| Net charge-offs to loans | 3.0014% | 527 |
| Credit loss provision to net charge-offs | 5.1306% | 5,984 |
| Earnings coverage of net charge-offs (x) | 0.0438% | 5,672 |
| Efficiency ratio | 97.4555% | 900 |
| Assets per employee ($millions) | 3.0529% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9639% | 389 |
| Loan loss allowance to noncurrent loans | 29.5873% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 8.9716% | 497 |
| Noncurrent loans to loans | 13.3971% | 218 |
| Net loans and leases to total assets | 55.8770% | 5,722 |
| Net loans and leases to deposits | 64.1099% | 6,028 |
| Net loans and leases to core deposits | 74.8773% | 5,337 |
| Total domestic deposits to total assets | 87.1583% | 2,453 |
| Equity capital to assets | 7.3111% | 7,218 |
| Core capital (leverage) ratio | 6.7805% | 7,291 |
| Tier 1 risk-based capital ratio | 10.9575% | 6,283 |
| Total risk-based capital ratio | 12.2352% | 6,241 |
| Memoranda: | ||
| Average total assets | $119,856,330 | 4,570 |
| Average earning assets | $113,356,000 | 4,465 |
| Average equity | $8,574,670 | 5,616 |
| Average total loans | $71,434,000 | 4,737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 6,168 |
| Cost of funding earning assets | 0.9927% | 6,410 |
| Net interest margin | 3.7288% | 4,104 |
| Noninterest income to average assets | 0.4956% | 4,079 |
| Noninterest expense to average assets | 3.8320% | 1,273 |
| Loan and lease loss provision to assets | 0.1331% | 5,237 |
| Net operating income to assets | 0.0359% | 6,201 |
| Return on assets (ROA) | 0.0466% | 6,278 |
| Pretax return on assets | 0.0832% | 6,180 |
| Return on Equity (ROE) | 0.6581% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.6581% | 5,560 |
| Net charge-offs to loans | -0.0110% | 6,911 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4719% | 1,111 |
| Assets per employee ($millions) | 3.1421% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2781% | 146 |
| Loan loss allowance to noncurrent loans | 35.9981% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 8.6255% | 540 |
| Noncurrent loans to loans | 14.6622% | 192 |
| Net loans and leases to total assets | 55.7233% | 5,787 |
| Net loans and leases to deposits | 63.5972% | 6,093 |
| Net loans and leases to core deposits | 73.8607% | 5,511 |
| Total domestic deposits to total assets | 87.6190% | 2,285 |
| Equity capital to assets | 6.9829% | 7,378 |
| Core capital (leverage) ratio | 6.7652% | 7,369 |
| Tier 1 risk-based capital ratio | 10.7795% | 6,366 |
| Total risk-based capital ratio | 12.0745% | 6,303 |
| Memoranda: | ||
| Average total assets | $120,252,000 | 4,622 |
| Average earning assets | $114,031,000 | 4,512 |
| Average equity | $8,509,500 | 5,687 |
| Average total loans | $72,513,000 | 4,763 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 6,403 |
| Cost of funding earning assets | 1.1946% | 6,677 |
| Net interest margin | 3.8164% | 3,635 |
| Noninterest income to average assets | 1.0348% | 1,455 |
| Noninterest expense to average assets | 4.0082% | 1,351 |
| Loan and lease loss provision to assets | 2.3828% | 850 |
| Net operating income to assets | -3.0508% | 7,404 |
| Return on assets (ROA) | -2.5972% | 7,296 |
| Pretax return on assets | -1.3139% | 6,601 |
| Return on Equity (ROE) | -27.6956% | 7,357 |
| Retained earnings to average equity (ytd only) | -27.6956% | 7,333 |
| Net charge-offs to loans | 1.8851% | 1,320 |
| Credit loss provision to net charge-offs | 204.0816% | 1,896 |
| Earnings coverage of net charge-offs (x) | 0.5270% | 5,587 |
| Efficiency ratio | 86.2139% | 2,086 |
| Assets per employee ($millions) | 3.0246% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1593% | 158 |
| Loan loss allowance to noncurrent loans | 37.1214% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 8.5935% | 485 |
| Noncurrent loans to loans | 13.8985% | 209 |
| Net loans and leases to total assets | 58.6406% | 5,545 |
| Net loans and leases to deposits | 67.2569% | 5,914 |
| Net loans and leases to core deposits | 96.0296% | 4,467 |
| Total domestic deposits to total assets | 87.1890% | 2,394 |
| Equity capital to assets | 7.1736% | 7,281 |
| Core capital (leverage) ratio | 6.7265% | 7,399 |
| Tier 1 risk-based capital ratio | 10.6115% | 6,292 |
| Total risk-based capital ratio | 11.9049% | 6,221 |
| Memoranda: | ||
| Average total assets | $117,509,200 | 4,645 |
| Average earning assets | $110,498,200 | 4,553 |
| Average equity | $11,019,800 | 5,016 |
| Average total loans | $72,782,600 | 4,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3060% | 5,392 |
| Cost of funding earning assets | 1.2201% | 6,836 |
| Net interest margin | 4.0859% | 2,457 |
| Noninterest income to average assets | 1.1925% | 1,089 |
| Noninterest expense to average assets | 4.2726% | 945 |
| Loan and lease loss provision to assets | 1.0619% | 1,826 |
| Net operating income to assets | -0.1943% | 6,054 |
| Return on assets (ROA) | 0.1931% | 5,257 |
| Pretax return on assets | 0.3010% | 5,062 |
| Return on Equity (ROE) | 1.9440% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.9440% | 4,243 |
| Net charge-offs to loans | 2.2452% | 851 |
| Credit loss provision to net charge-offs | 76.3265% | 5,857 |
| Earnings coverage of net charge-offs (x) | 0.5445% | 5,485 |
| Efficiency ratio | 84.4886% | 2,242 |
| Assets per employee ($millions) | 2.9637% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8583% | 747 |
| Loan loss allowance to noncurrent loans | 21.7854% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 7.7251% | 569 |
| Noncurrent loans to loans | 13.1200% | 217 |
| Net loans and leases to total assets | 57.1972% | 6,010 |
| Net loans and leases to deposits | 67.6070% | 6,163 |
| Net loans and leases to core deposits | 98.3542% | 4,568 |
| Total domestic deposits to total assets | 84.6025% | 3,430 |
| Equity capital to assets | 9.7002% | 4,494 |
| Core capital (leverage) ratio | 8.4207% | 5,636 |
| Tier 1 risk-based capital ratio | 12.0881% | 4,889 |
| Total risk-based capital ratio | 13.3521% | 4,824 |
| Memoranda: | ||
| Average total assets | $117,396,250 | 4,660 |
| Average earning assets | $110,262,750 | 4,584 |
| Average equity | $11,659,250 | 4,879 |
| Average total loans | $72,744,250 | 4,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 5,231 |
| Cost of funding earning assets | 1.2623% | 6,918 |
| Net interest margin | 4.1214% | 2,249 |
| Noninterest income to average assets | 0.4723% | 4,696 |
| Noninterest expense to average assets | 4.1767% | 1,095 |
| Loan and lease loss provision to assets | 1.5945% | 1,061 |
| Net operating income to assets | -1.4325% | 7,211 |
| Return on assets (ROA) | -0.6843% | 6,741 |
| Pretax return on assets | -0.6843% | 6,587 |
| Return on Equity (ROE) | -6.8350% | 6,781 |
| Retained earnings to average equity (ytd only) | -6.8350% | 6,540 |
| Net charge-offs to loans | 0.2926% | 3,728 |
| Credit loss provision to net charge-offs | 864.4860% | 553 |
| Earnings coverage of net charge-offs (x) | 0.8785% | 4,873 |
| Efficiency ratio | 95.7489% | 1,395 |
| Assets per employee ($millions) | 2.7049% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3093% | 203 |
| Loan loss allowance to noncurrent loans | 33.7147% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 7.8579% | 491 |
| Noncurrent loans to loans | 12.7815% | 187 |
| Net loans and leases to total assets | 58.8292% | 5,858 |
| Net loans and leases to deposits | 69.1172% | 6,082 |
| Net loans and leases to core deposits | 109.5199% | 3,430 |
| Total domestic deposits to total assets | 85.1152% | 3,209 |
| Equity capital to assets | 9.2745% | 4,914 |
| Core capital (leverage) ratio | 8.0157% | 6,303 |
| Tier 1 risk-based capital ratio | 11.2574% | 5,632 |
| Total risk-based capital ratio | 12.5386% | 5,509 |
| Memoranda: | ||
| Average total assets | $116,024,000 | 4,729 |
| Average earning assets | $108,847,670 | 4,663 |
| Average equity | $11,616,670 | 4,914 |
| Average total loans | $73,143,330 | 4,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 5,235 |
| Cost of funding earning assets | 1.3532% | 6,864 |
| Net interest margin | 4.0856% | 2,332 |
| Noninterest income to average assets | 0.4331% | 4,931 |
| Noninterest expense to average assets | 3.7580% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3323% | 5,152 |
| Return on assets (ROA) | 0.3982% | 5,046 |
| Pretax return on assets | 0.6147% | 4,713 |
| Return on Equity (ROE) | 3.8300% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.8300% | 3,758 |
| Net charge-offs to loans | -0.1203% | 7,929 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4898% | 1,936 |
| Assets per employee ($millions) | 2.6101% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1962% | 404 |
| Loan loss allowance to noncurrent loans | 31.6248% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 6.3454% | 598 |
| Noncurrent loans to loans | 10.1066% | 281 |
| Net loans and leases to total assets | 60.7777% | 5,540 |
| Net loans and leases to deposits | 72.1730% | 5,723 |
| Net loans and leases to core deposits | 108.5354% | 3,610 |
| Total domestic deposits to total assets | 84.2111% | 3,598 |
| Equity capital to assets | 10.2098% | 3,760 |
| Core capital (leverage) ratio | 9.0476% | 4,623 |
| Tier 1 risk-based capital ratio | 12.4600% | 4,569 |
| Total risk-based capital ratio | 13.7304% | 4,481 |
| Memoranda: | ||
| Average total assets | $114,529,000 | 4,790 |
| Average earning assets | $107,596,500 | 4,701 |
| Average equity | $11,906,000 | 4,863 |
| Average total loans | $73,131,000 | 4,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3652% | 3,607 |
| Cost of funding earning assets | 1.9397% | 6,615 |
| Net interest margin | 4.4255% | 1,612 |
| Noninterest income to average assets | 1.3059% | 858 |
| Noninterest expense to average assets | 4.9302% | 645 |
| Loan and lease loss provision to assets | 1.5495% | 861 |
| Net operating income to assets | 0.4421% | 4,985 |
| Return on assets (ROA) | 0.5742% | 4,288 |
| Pretax return on assets | -0.8234% | 6,892 |
| Return on Equity (ROE) | 5.5717% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.5717% | 1,729 |
| Net charge-offs to loans | 0.2534% | 3,744 |
| Credit loss provision to net charge-offs | 945.1977% | 470 |
| Earnings coverage of net charge-offs (x) | 3.1695% | 4,501 |
| Efficiency ratio | 89.5139% | 1,551 |
| Assets per employee ($millions) | 2.5364% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2199% | 359 |
| Loan loss allowance to noncurrent loans | 27.8175% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 7.5214% | 322 |
| Noncurrent loans to loans | 11.5751% | 144 |
| Net loans and leases to total assets | 62.8869% | 5,476 |
| Net loans and leases to deposits | 77.5280% | 5,400 |
| Net loans and leases to core deposits | 112.0382% | 3,558 |
| Total domestic deposits to total assets | 81.1150% | 4,588 |
| Equity capital to assets | 10.5912% | 3,401 |
| Core capital (leverage) ratio | 8.9666% | 4,788 |
| Tier 1 risk-based capital ratio | 12.2877% | 4,593 |
| Total risk-based capital ratio | 13.5579% | 4,466 |
| Memoranda: | ||
| Average total assets | $107,967,800 | 4,832 |
| Average earning assets | $101,096,600 | 4,773 |
| Average equity | $11,127,600 | 5,091 |
| Average total loans | $69,839,200 | 4,875 |