Home > Highlands Independent Bank > Performance and Condition Ratios
Highlands Independent 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 | 3.4636% | 5,461 |
| Cost of funding earning assets | 0.1862% | 5,954 |
| Net interest margin | 3.2774% | 4,689 |
| Noninterest income to average assets | 0.6230% | 2,727 |
| Noninterest expense to average assets | 3.2566% | 2,005 |
| Loan and lease loss provision to assets | 0.0038% | 4,336 |
| Net operating income to assets | 0.3333% | 5,482 |
| Return on assets (ROA) | 0.2149% | 5,867 |
| Pretax return on assets | -0.0211% | 6,157 |
| Return on Equity (ROE) | 3.9665% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.9665% | 3,826 |
| Net charge-offs to loans | -0.1641% | 6,266 |
| Credit loss provision to net charge-offs | -4.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1004% | 542 |
| Assets per employee ($millions) | 3.6922% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7736% | 190 |
| Loan loss allowance to noncurrent loans | 149.7321% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 5.5583% | 268 |
| Noncurrent loans to loans | 2.5202% | 1,158 |
| Net loans and leases to total assets | 46.7856% | 5,308 |
| Net loans and leases to deposits | 50.1235% | 5,643 |
| Net loans and leases to core deposits | 50.9772% | 5,744 |
| Total domestic deposits to total assets | 93.3407% | 63 |
| Equity capital to assets | 5.6650% | 6,501 |
| Core capital (leverage) ratio | 5.5623% | 6,502 |
| Tier 1 risk-based capital ratio | 10.3707% | 6,246 |
| Total risk-based capital ratio | 11.6467% | 6,199 |
| Memoranda: | ||
| Average total assets | $246,346,000 | 2,571 |
| Average earning assets | $210,568,000 | 2,726 |
| Average equity | $13,344,750 | 4,156 |
| Average total loans | $121,899,250 | 3,019 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 5,571 |
| Cost of funding earning assets | 0.1905% | 5,996 |
| Net interest margin | 3.2334% | 4,831 |
| Noninterest income to average assets | 0.6431% | 2,586 |
| Noninterest expense to average assets | 3.2997% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3809% | 5,288 |
| Return on assets (ROA) | 0.2039% | 5,885 |
| Pretax return on assets | -0.1739% | 6,297 |
| Return on Equity (ROE) | 3.8207% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.8207% | 3,750 |
| Net charge-offs to loans | -0.2942% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9805% | 512 |
| Assets per employee ($millions) | 3.6439% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7405% | 206 |
| Loan loss allowance to noncurrent loans | 132.3616% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 5.7284% | 281 |
| Noncurrent loans to loans | 2.8260% | 1,065 |
| Net loans and leases to total assets | 46.0068% | 5,359 |
| Net loans and leases to deposits | 49.1709% | 5,698 |
| Net loans and leases to core deposits | 49.9365% | 5,796 |
| Total domestic deposits to total assets | 93.5652% | 62 |
| Equity capital to assets | 5.4528% | 6,564 |
| Core capital (leverage) ratio | 5.4726% | 6,565 |
| Tier 1 risk-based capital ratio | 9.9411% | 6,418 |
| Total risk-based capital ratio | 11.2162% | 6,366 |
| Memoranda: | ||
| Average total assets | $247,232,000 | 2,569 |
| Average earning assets | $210,982,670 | 2,728 |
| Average equity | $13,191,330 | 4,186 |
| Average total loans | $123,038,330 | 3,011 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 5,509 |
| Cost of funding earning assets | 0.2036% | 5,960 |
| Net interest margin | 3.2638% | 4,692 |
| Noninterest income to average assets | 0.6103% | 2,671 |
| Noninterest expense to average assets | 3.3353% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4518% | 4,922 |
| Return on assets (ROA) | 0.0946% | 6,070 |
| Pretax return on assets | -0.5107% | 6,458 |
| Return on Equity (ROE) | 1.7940% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.7940% | 4,887 |
| Net charge-offs to loans | -1.4879% | 6,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6011% | 520 |
| Assets per employee ($millions) | 3.3505% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8942% | 204 |
| Loan loss allowance to noncurrent loans | 138.3034% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 6.2738% | 263 |
| Noncurrent loans to loans | 2.8157% | 1,172 |
| Net loans and leases to total assets | 47.5494% | 5,179 |
| Net loans and leases to deposits | 50.7185% | 5,541 |
| Net loans and leases to core deposits | 51.4608% | 5,650 |
| Total domestic deposits to total assets | 93.7516% | 68 |
| Equity capital to assets | 5.3115% | 6,615 |
| Core capital (leverage) ratio | 5.4427% | 6,625 |
| Tier 1 risk-based capital ratio | 9.5369% | 6,542 |
| Total risk-based capital ratio | 10.8136% | 6,525 |
| Memoranda: | ||
| Average total assets | $245,133,000 | 2,594 |
| Average earning assets | $208,221,000 | 2,766 |
| Average equity | $12,932,000 | 4,251 |
| Average total loans | $124,472,500 | 2,980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 5,294 |
| Cost of funding earning assets | 0.2678% | 5,849 |
| Net interest margin | 3.3764% | 4,377 |
| Noninterest income to average assets | 0.5325% | 3,538 |
| Noninterest expense to average assets | 3.5428% | 1,564 |
| Loan and lease loss provision to assets | 0.0064% | 4,994 |
| Net operating income to assets | -0.3858% | 6,454 |
| Return on assets (ROA) | -0.3806% | 6,466 |
| Pretax return on assets | -0.1334% | 6,310 |
| Return on Equity (ROE) | -7.0732% | 6,537 |
| Retained earnings to average equity (ytd only) | -7.0732% | 6,464 |
| Net charge-offs to loans | 2.1964% | 151 |
| Credit loss provision to net charge-offs | 0.5459% | 4,701 |
| Earnings coverage of net charge-offs (x) | -0.1122% | 5,122 |
| Efficiency ratio | 103.8770% | 373 |
| Assets per employee ($millions) | 3.2311% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4163% | 311 |
| Loan loss allowance to noncurrent loans | 127.2566% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 6.4297% | 285 |
| Noncurrent loans to loans | 2.6846% | 1,368 |
| Net loans and leases to total assets | 50.3289% | 5,047 |
| Net loans and leases to deposits | 53.6368% | 5,498 |
| Net loans and leases to core deposits | 54.2584% | 5,655 |
| Total domestic deposits to total assets | 93.8328% | 86 |
| Equity capital to assets | 5.2387% | 6,672 |
| Core capital (leverage) ratio | 5.3210% | 6,700 |
| Tier 1 risk-based capital ratio | 9.3612% | 6,620 |
| Total risk-based capital ratio | 10.6332% | 6,601 |
| Memoranda: | ||
| Average total assets | $248,816,800 | 2,539 |
| Average earning assets | $212,090,000 | 2,696 |
| Average equity | $13,388,600 | 4,183 |
| Average total loans | $133,444,800 | 2,799 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 5,432 |
| Cost of funding earning assets | 0.2756% | 5,923 |
| Net interest margin | 3.3275% | 4,540 |
| Noninterest income to average assets | 0.5196% | 3,673 |
| Noninterest expense to average assets | 3.5457% | 1,506 |
| Loan and lease loss provision to assets | 0.0059% | 4,855 |
| Net operating income to assets | -0.1906% | 6,461 |
| Return on assets (ROA) | -0.1837% | 6,479 |
| Pretax return on assets | -0.1837% | 6,464 |
| Return on Equity (ROE) | -3.3918% | 6,540 |
| Retained earnings to average equity (ytd only) | -3.3918% | 6,386 |
| Net charge-offs to loans | 2.5160% | 120 |
| Credit loss provision to net charge-offs | 0.4310% | 4,338 |
| Earnings coverage of net charge-offs (x) | -0.1360% | 4,896 |
| Efficiency ratio | 105.4966% | 338 |
| Assets per employee ($millions) | 3.2844% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6697% | 292 |
| Loan loss allowance to noncurrent loans | 95.5175% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 6.6463% | 319 |
| Noncurrent loans to loans | 3.8419% | 934 |
| Net loans and leases to total assets | 49.9574% | 5,139 |
| Net loans and leases to deposits | 53.3707% | 5,598 |
| Net loans and leases to core deposits | 54.0410% | 5,762 |
| Total domestic deposits to total assets | 93.6046% | 89 |
| Equity capital to assets | 5.3874% | 6,745 |
| Core capital (leverage) ratio | 5.6065% | 6,753 |
| Tier 1 risk-based capital ratio | 9.7585% | 6,644 |
| Total risk-based capital ratio | 11.0334% | 6,624 |
| Memoranda: | ||
| Average total assets | $250,438,500 | 2,540 |
| Average earning assets | $213,848,250 | 2,698 |
| Average equity | $13,562,000 | 4,198 |
| Average total loans | $135,237,000 | 2,781 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 5,288 |
| Cost of funding earning assets | 0.2867% | 5,929 |
| Net interest margin | 3.3642% | 4,328 |
| Noninterest income to average assets | 0.5242% | 3,674 |
| Noninterest expense to average assets | 3.5543% | 1,496 |
| Loan and lease loss provision to assets | 0.0016% | 4,764 |
| Net operating income to assets | -0.1795% | 6,480 |
| Return on assets (ROA) | -0.1692% | 6,501 |
| Pretax return on assets | -0.1692% | 6,474 |
| Return on Equity (ROE) | -3.1188% | 6,585 |
| Retained earnings to average equity (ytd only) | -3.1188% | 6,323 |
| Net charge-offs to loans | 2.7822% | 119 |
| Credit loss provision to net charge-offs | 0.1044% | 4,000 |
| Earnings coverage of net charge-offs (x) | -0.1169% | 4,588 |
| Efficiency ratio | 105.2693% | 360 |
| Assets per employee ($millions) | 3.2903% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9498% | 266 |
| Loan loss allowance to noncurrent loans | 99.8497% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 6.9967% | 341 |
| Noncurrent loans to loans | 3.9557% | 991 |
| Net loans and leases to total assets | 51.6874% | 4,907 |
| Net loans and leases to deposits | 55.0950% | 5,432 |
| Net loans and leases to core deposits | 55.7740% | 5,617 |
| Total domestic deposits to total assets | 93.8151% | 70 |
| Equity capital to assets | 5.2219% | 6,809 |
| Core capital (leverage) ratio | 5.4776% | 6,798 |
| Tier 1 risk-based capital ratio | 9.3372% | 6,735 |
| Total risk-based capital ratio | 10.6154% | 6,719 |
| Memoranda: | ||
| Average total assets | $251,807,330 | 2,537 |
| Average earning assets | $213,481,330 | 2,702 |
| Average equity | $13,659,000 | 4,214 |
| Average total loans | $137,733,000 | 2,750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,312 |
| Cost of funding earning assets | 0.3001% | 5,966 |
| Net interest margin | 3.3475% | 4,328 |
| Noninterest income to average assets | 0.2707% | 5,519 |
| Noninterest expense to average assets | 3.6631% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5667% | 6,699 |
| Return on assets (ROA) | -0.5461% | 6,716 |
| Pretax return on assets | -0.5461% | 6,689 |
| Return on Equity (ROE) | -9.8857% | 6,804 |
| Retained earnings to average equity (ytd only) | -9.8857% | 6,612 |
| Net charge-offs to loans | 2.0414% | 227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.5035% | 3,925 |
| Efficiency ratio | 118.3027% | 228 |
| Assets per employee ($millions) | 3.3824% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7150% | 165 |
| Loan loss allowance to noncurrent loans | 79.1788% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 8.1666% | 302 |
| Noncurrent loans to loans | 5.9548% | 561 |
| Net loans and leases to total assets | 51.9247% | 4,714 |
| Net loans and leases to deposits | 55.4768% | 5,299 |
| Net loans and leases to core deposits | 56.2700% | 5,501 |
| Total domestic deposits to total assets | 93.5971% | 94 |
| Equity capital to assets | 5.5345% | 6,862 |
| Core capital (leverage) ratio | 5.5003% | 6,845 |
| Tier 1 risk-based capital ratio | 9.0378% | 6,809 |
| Total risk-based capital ratio | 10.3246% | 6,804 |
| Memoranda: | ||
| Average total assets | $252,680,500 | 2,556 |
| Average earning assets | $213,293,000 | 2,726 |
| Average equity | $13,959,500 | 4,207 |
| Average total loans | $139,317,000 | 2,738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 5,410 |
| Cost of funding earning assets | 0.4336% | 5,694 |
| Net interest margin | 3.5301% | 4,375 |
| Noninterest income to average assets | 0.3963% | 4,639 |
| Noninterest expense to average assets | 3.5681% | 1,687 |
| Loan and lease loss provision to assets | 1.3504% | 254 |
| Net operating income to assets | -1.6376% | 6,887 |
| Return on assets (ROA) | -1.3324% | 6,835 |
| Pretax return on assets | -1.2559% | 6,791 |
| Return on Equity (ROE) | -20.9245% | 6,892 |
| Retained earnings to average equity (ytd only) | -20.9245% | 6,863 |
| Net charge-offs to loans | 4.1041% | 63 |
| Credit loss provision to net charge-offs | 57.1637% | 4,521 |
| Earnings coverage of net charge-offs (x) | -0.0891% | 5,529 |
| Efficiency ratio | 106.2721% | 404 |
| Assets per employee ($millions) | 3.4956% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1491% | 117 |
| Loan loss allowance to noncurrent loans | 96.9555% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 8.8287% | 285 |
| Noncurrent loans to loans | 5.3108% | 714 |
| Net loans and leases to total assets | 52.9100% | 4,775 |
| Net loans and leases to deposits | 56.5234% | 5,389 |
| Net loans and leases to core deposits | 57.5245% | 5,591 |
| Total domestic deposits to total assets | 93.6074% | 88 |
| Equity capital to assets | 5.5145% | 6,921 |
| Core capital (leverage) ratio | 5.2400% | 6,917 |
| Tier 1 risk-based capital ratio | 8.8411% | 6,865 |
| Total risk-based capital ratio | 10.1339% | 6,865 |
| Memoranda: | ||
| Average total assets | $261,175,400 | 2,426 |
| Average earning assets | $219,087,000 | 2,619 |
| Average equity | $16,631,200 | 3,684 |
| Average total loans | $150,335,800 | 2,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 5,547 |
| Cost of funding earning assets | 0.4580% | 5,734 |
| Net interest margin | 3.5309% | 4,523 |
| Noninterest income to average assets | 0.7558% | 2,447 |
| Noninterest expense to average assets | 3.5287% | 1,693 |
| Loan and lease loss provision to assets | 1.5693% | 198 |
| Net operating income to assets | -1.3781% | 6,942 |
| Return on assets (ROA) | -0.9749% | 6,884 |
| Pretax return on assets | -0.9749% | 6,858 |
| Return on Equity (ROE) | -14.8348% | 6,931 |
| Retained earnings to average equity (ytd only) | -14.8348% | 6,905 |
| Net charge-offs to loans | 4.8090% | 45 |
| Credit loss provision to net charge-offs | 56.2772% | 4,254 |
| Earnings coverage of net charge-offs (x) | 0.0686% | 5,300 |
| Efficiency ratio | 94.8592% | 720 |
| Assets per employee ($millions) | 3.3403% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2818% | 119 |
| Loan loss allowance to noncurrent loans | 86.9190% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 9.5843% | 263 |
| Noncurrent loans to loans | 6.0767% | 665 |
| Net loans and leases to total assets | 52.7115% | 4,953 |
| Net loans and leases to deposits | 56.7414% | 5,565 |
| Net loans and leases to core deposits | 58.1549% | 5,720 |
| Total domestic deposits to total assets | 92.8977% | 122 |
| Equity capital to assets | 6.1273% | 6,979 |
| Core capital (leverage) ratio | 5.5188% | 6,978 |
| Tier 1 risk-based capital ratio | 9.3214% | 6,917 |
| Total risk-based capital ratio | 10.6147% | 6,907 |
| Memoranda: | ||
| Average total assets | $263,549,250 | 2,426 |
| Average earning assets | $221,238,500 | 2,623 |
| Average equity | $17,319,250 | 3,604 |
| Average total loans | $152,821,500 | 2,561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 5,159 |
| Cost of funding earning assets | 0.4765% | 5,789 |
| Net interest margin | 3.6663% | 3,970 |
| Noninterest income to average assets | 0.8606% | 1,928 |
| Noninterest expense to average assets | 3.4815% | 1,825 |
| Loan and lease loss provision to assets | 0.7954% | 632 |
| Net operating income to assets | -0.3359% | 6,643 |
| Return on assets (ROA) | 0.2616% | 5,920 |
| Pretax return on assets | 0.2616% | 6,032 |
| Return on Equity (ROE) | 3.8978% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.8978% | 4,017 |
| Net charge-offs to loans | 3.1059% | 185 |
| Credit loss provision to net charge-offs | 43.6087% | 4,178 |
| Earnings coverage of net charge-offs (x) | 0.2520% | 4,952 |
| Efficiency ratio | 88.3394% | 1,205 |
| Assets per employee ($millions) | 3.6406% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8167% | 88 |
| Loan loss allowance to noncurrent loans | 130.7491% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 8.5378% | 382 |
| Noncurrent loans to loans | 4.4487% | 1,199 |
| Net loans and leases to total assets | 51.0876% | 5,211 |
| Net loans and leases to deposits | 55.1988% | 5,742 |
| Net loans and leases to core deposits | 56.5943% | 5,895 |
| Total domestic deposits to total assets | 92.5520% | 156 |
| Equity capital to assets | 6.5508% | 6,973 |
| Core capital (leverage) ratio | 6.1698% | 6,964 |
| Tier 1 risk-based capital ratio | 10.3988% | 6,727 |
| Total risk-based capital ratio | 11.6983% | 6,698 |
| Memoranda: | ||
| Average total assets | $266,778,000 | 2,399 |
| Average earning assets | $224,151,000 | 2,595 |
| Average equity | $17,907,330 | 3,511 |
| Average total loans | $156,669,670 | 2,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 4,944 |
| Cost of funding earning assets | 0.5062% | 5,774 |
| Net interest margin | 3.7396% | 3,635 |
| Noninterest income to average assets | 0.7609% | 2,343 |
| Noninterest expense to average assets | 3.3466% | 2,154 |
| Loan and lease loss provision to assets | 0.1010% | 4,079 |
| Net operating income to assets | 0.4746% | 4,931 |
| Return on assets (ROA) | 1.6755% | 839 |
| Pretax return on assets | 1.6755% | 1,368 |
| Return on Equity (ROE) | 24.6604% | 194 |
| Retained earnings to average equity (ytd only) | 24.6604% | 99 |
| Net charge-offs to loans | 2.2058% | 403 |
| Credit loss provision to net charge-offs | 7.5028% | 3,933 |
| Earnings coverage of net charge-offs (x) | 0.4278% | 4,142 |
| Efficiency ratio | 85.3246% | 1,548 |
| Assets per employee ($millions) | 3.7036% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6634% | 101 |
| Loan loss allowance to noncurrent loans | 60.3765% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 9.4214% | 345 |
| Noncurrent loans to loans | 9.3802% | 343 |
| Net loans and leases to total assets | 55.7266% | 4,433 |
| Net loans and leases to deposits | 60.3293% | 5,111 |
| Net loans and leases to core deposits | 61.7501% | 5,348 |
| Total domestic deposits to total assets | 92.3706% | 207 |
| Equity capital to assets | 6.8027% | 6,967 |
| Core capital (leverage) ratio | 6.6468% | 6,941 |
| Tier 1 risk-based capital ratio | 10.2639% | 6,807 |
| Total risk-based capital ratio | 11.5631% | 6,791 |
| Memoranda: | ||
| Average total assets | $265,466,000 | 2,425 |
| Average earning assets | $224,407,000 | 2,608 |
| Average equity | $18,037,000 | 3,497 |
| Average total loans | $161,939,000 | 2,456 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 4,982 |
| Cost of funding earning assets | 0.6364% | 5,893 |
| Net interest margin | 3.8866% | 3,395 |
| Noninterest income to average assets | 0.5307% | 3,646 |
| Noninterest expense to average assets | 3.3135% | 2,480 |
| Loan and lease loss provision to assets | 1.8421% | 350 |
| Net operating income to assets | -1.3194% | 6,861 |
| Return on assets (ROA) | -1.1982% | 6,844 |
| Pretax return on assets | -1.1982% | 6,812 |
| Return on Equity (ROE) | -16.3781% | 6,921 |
| Retained earnings to average equity (ytd only) | -16.3781% | 6,900 |
| Net charge-offs to loans | 2.2144% | 579 |
| Credit loss provision to net charge-offs | 132.3576% | 2,300 |
| Earnings coverage of net charge-offs (x) | 0.3756% | 5,537 |
| Efficiency ratio | 86.3740% | 1,509 |
| Assets per employee ($millions) | 3.3840% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0127% | 92 |
| Loan loss allowance to noncurrent loans | 66.2217% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 10.0185% | 334 |
| Noncurrent loans to loans | 9.0797% | 386 |
| Net loans and leases to total assets | 59.2158% | 4,148 |
| Net loans and leases to deposits | 64.1204% | 4,992 |
| Net loans and leases to core deposits | 65.8625% | 5,262 |
| Total domestic deposits to total assets | 92.3510% | 193 |
| Equity capital to assets | 6.7859% | 7,014 |
| Core capital (leverage) ratio | 6.2323% | 7,021 |
| Tier 1 risk-based capital ratio | 9.5641% | 6,948 |
| Total risk-based capital ratio | 10.8690% | 6,932 |
| Memoranda: | ||
| Average total assets | $274,907,000 | 2,304 |
| Average earning assets | $233,806,000 | 2,460 |
| Average equity | $20,112,200 | 3,120 |
| Average total loans | $172,780,800 | 2,347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 4,908 |
| Cost of funding earning assets | 0.6572% | 6,000 |
| Net interest margin | 3.9313% | 3,229 |
| Noninterest income to average assets | 0.6607% | 2,818 |
| Noninterest expense to average assets | 3.2599% | 2,634 |
| Loan and lease loss provision to assets | 1.4621% | 477 |
| Net operating income to assets | -0.7114% | 6,763 |
| Return on assets (ROA) | -0.5520% | 6,710 |
| Pretax return on assets | -0.5424% | 6,646 |
| Return on Equity (ROE) | -7.4194% | 6,785 |
| Retained earnings to average equity (ytd only) | -7.4194% | 6,727 |
| Net charge-offs to loans | 2.5617% | 421 |
| Credit loss provision to net charge-offs | 90.8658% | 3,746 |
| Earnings coverage of net charge-offs (x) | 0.4725% | 5,267 |
| Efficiency ratio | 81.0885% | 2,097 |
| Assets per employee ($millions) | 3.3876% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0009% | 188 |
| Loan loss allowance to noncurrent loans | 89.5269% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 7.7991% | 576 |
| Noncurrent loans to loans | 5.5860% | 1,053 |
| Net loans and leases to total assets | 59.8572% | 4,157 |
| Net loans and leases to deposits | 65.4369% | 4,985 |
| Net loans and leases to core deposits | 67.2748% | 5,272 |
| Total domestic deposits to total assets | 91.4731% | 304 |
| Equity capital to assets | 7.5717% | 6,908 |
| Core capital (leverage) ratio | 6.8778% | 6,991 |
| Tier 1 risk-based capital ratio | 10.5665% | 6,748 |
| Total risk-based capital ratio | 11.8593% | 6,715 |
| Memoranda: | ||
| Average total assets | $278,491,500 | 2,285 |
| Average earning assets | $237,983,250 | 2,428 |
| Average equity | $20,719,750 | 3,049 |
| Average total loans | $174,933,750 | 2,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 5,120 |
| Cost of funding earning assets | 0.6796% | 6,071 |
| Net interest margin | 3.8847% | 3,383 |
| Noninterest income to average assets | 0.6256% | 2,975 |
| Noninterest expense to average assets | 3.2149% | 2,847 |
| Loan and lease loss provision to assets | 0.9102% | 983 |
| Net operating income to assets | -0.1575% | 6,427 |
| Return on assets (ROA) | 0.0777% | 6,146 |
| Pretax return on assets | 0.0777% | 6,136 |
| Return on Equity (ROE) | 1.0498% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.0498% | 5,441 |
| Net charge-offs to loans | 2.8726% | 375 |
| Credit loss provision to net charge-offs | 50.4896% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.4175% | 4,989 |
| Efficiency ratio | 81.0287% | 2,238 |
| Assets per employee ($millions) | 3.5968% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3724% | 313 |
| Loan loss allowance to noncurrent loans | 157.6257% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 5.5970% | 1,045 |
| Noncurrent loans to loans | 2.7739% | 2,626 |
| Net loans and leases to total assets | 58.1923% | 4,590 |
| Net loans and leases to deposits | 63.6238% | 5,323 |
| Net loans and leases to core deposits | 65.3958% | 5,574 |
| Total domestic deposits to total assets | 91.4632% | 350 |
| Equity capital to assets | 7.6829% | 6,864 |
| Core capital (leverage) ratio | 7.0070% | 6,993 |
| Tier 1 risk-based capital ratio | 11.0338% | 6,500 |
| Total risk-based capital ratio | 12.3185% | 6,460 |
| Memoranda: | ||
| Average total assets | $283,244,000 | 2,260 |
| Average earning assets | $243,673,000 | 2,382 |
| Average equity | $20,957,330 | 3,003 |
| Average total loans | $177,748,670 | 2,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 5,665 |
| Cost of funding earning assets | 0.7351% | 5,951 |
| Net interest margin | 3.6723% | 4,239 |
| Noninterest income to average assets | 0.3240% | 5,330 |
| Noninterest expense to average assets | 2.9415% | 3,885 |
| Loan and lease loss provision to assets | 1.1662% | 606 |
| Net operating income to assets | -0.5950% | 6,862 |
| Return on assets (ROA) | -0.1299% | 6,508 |
| Pretax return on assets | -0.1299% | 6,474 |
| Return on Equity (ROE) | -1.7887% | 6,564 |
| Retained earnings to average equity (ytd only) | -1.7887% | 6,115 |
| Net charge-offs to loans | 3.7531% | 259 |
| Credit loss provision to net charge-offs | 48.8019% | 3,776 |
| Earnings coverage of net charge-offs (x) | 0.2390% | 4,437 |
| Efficiency ratio | 83.7376% | 1,986 |
| Assets per employee ($millions) | 3.6300% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3322% | 338 |
| Loan loss allowance to noncurrent loans | 101.0026% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 6.0310% | 956 |
| Noncurrent loans to loans | 4.2892% | 1,661 |
| Net loans and leases to total assets | 59.7341% | 4,321 |
| Net loans and leases to deposits | 64.8946% | 5,144 |
| Net loans and leases to core deposits | 66.8857% | 5,418 |
| Total domestic deposits to total assets | 92.0480% | 268 |
| Equity capital to assets | 7.1640% | 7,031 |
| Core capital (leverage) ratio | 6.8613% | 7,062 |
| Tier 1 risk-based capital ratio | 10.5510% | 6,781 |
| Total risk-based capital ratio | 11.8368% | 6,743 |
| Memoranda: | ||
| Average total assets | $286,389,000 | 2,257 |
| Average earning assets | $248,673,000 | 2,358 |
| Average equity | $20,797,000 | 3,011 |
| Average total loans | $182,355,500 | 2,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 6,492 |
| Cost of funding earning assets | 1.0943% | 5,158 |
| Net interest margin | 3.3660% | 5,742 |
| Noninterest income to average assets | 0.2214% | 6,223 |
| Noninterest expense to average assets | 2.7560% | 4,761 |
| Loan and lease loss provision to assets | 2.5220% | 439 |
| Net operating income to assets | -3.4041% | 7,361 |
| Return on assets (ROA) | -3.2338% | 7,356 |
| Pretax return on assets | -1.9639% | 7,012 |
| Return on Equity (ROE) | -37.5106% | 7,317 |
| Retained earnings to average equity (ytd only) | -37.5106% | 7,307 |
| Net charge-offs to loans | 2.9682% | 560 |
| Credit loss provision to net charge-offs | 135.6706% | 2,856 |
| Earnings coverage of net charge-offs (x) | 0.2086% | 5,898 |
| Efficiency ratio | 87.6654% | 1,505 |
| Assets per employee ($millions) | 3.5310% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6495% | 247 |
| Loan loss allowance to noncurrent loans | 66.6924% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 6.8816% | 802 |
| Noncurrent loans to loans | 6.9715% | 810 |
| Net loans and leases to total assets | 61.8942% | 4,310 |
| Net loans and leases to deposits | 67.3888% | 5,185 |
| Net loans and leases to core deposits | 70.6871% | 5,376 |
| Total domestic deposits to total assets | 91.8464% | 310 |
| Equity capital to assets | 7.3599% | 6,965 |
| Core capital (leverage) ratio | 6.6740% | 7,150 |
| Tier 1 risk-based capital ratio | 10.4964% | 6,704 |
| Total risk-based capital ratio | 11.7870% | 6,652 |
| Memoranda: | ||
| Average total assets | $307,657,000 | 2,107 |
| Average earning assets | $267,110,800 | 2,203 |
| Average equity | $26,523,200 | 2,416 |
| Average total loans | $192,674,600 | 2,222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 5,958 |
| Cost of funding earning assets | 1.1196% | 5,320 |
| Net interest margin | 3.5969% | 4,894 |
| Noninterest income to average assets | 0.2615% | 6,029 |
| Noninterest expense to average assets | 2.7175% | 4,805 |
| Loan and lease loss provision to assets | 2.5272% | 411 |
| Net operating income to assets | -1.1218% | 6,954 |
| Return on assets (ROA) | -0.9787% | 6,932 |
| Pretax return on assets | -1.6580% | 7,089 |
| Return on Equity (ROE) | -10.9851% | 6,965 |
| Retained earnings to average equity (ytd only) | -10.9851% | 6,923 |
| Net charge-offs to loans | 2.9741% | 524 |
| Credit loss provision to net charge-offs | 136.8227% | 2,919 |
| Earnings coverage of net charge-offs (x) | 0.3496% | 5,674 |
| Efficiency ratio | 80.8028% | 2,245 |
| Assets per employee ($millions) | 3.6279% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3246% | 278 |
| Loan loss allowance to noncurrent loans | 64.8994% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 6.3266% | 910 |
| Noncurrent loans to loans | 6.6636% | 876 |
| Net loans and leases to total assets | 61.6520% | 4,600 |
| Net loans and leases to deposits | 69.5837% | 5,210 |
| Net loans and leases to core deposits | 73.6368% | 5,343 |
| Total domestic deposits to total assets | 88.6012% | 1,624 |
| Equity capital to assets | 9.1565% | 5,376 |
| Core capital (leverage) ratio | 7.4205% | 6,910 |
| Tier 1 risk-based capital ratio | 11.0482% | 6,334 |
| Total risk-based capital ratio | 12.3333% | 6,297 |
| Memoranda: | ||
| Average total assets | $313,069,000 | 2,104 |
| Average earning assets | $269,966,250 | 2,211 |
| Average equity | $27,891,500 | 2,345 |
| Average total loans | $194,429,500 | 2,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 6,092 |
| Cost of funding earning assets | 1.1729% | 5,273 |
| Net interest margin | 3.5427% | 5,078 |
| Noninterest income to average assets | 0.3481% | 5,368 |
| Noninterest expense to average assets | 2.6368% | 5,184 |
| Loan and lease loss provision to assets | 2.3789% | 484 |
| Net operating income to assets | -0.9409% | 6,922 |
| Return on assets (ROA) | -0.7306% | 6,840 |
| Pretax return on assets | -1.2834% | 7,003 |
| Return on Equity (ROE) | -8.2708% | 6,904 |
| Retained earnings to average equity (ytd only) | -8.2708% | 6,832 |
| Net charge-offs to loans | 2.9818% | 533 |
| Credit loss provision to net charge-offs | 129.9590% | 3,093 |
| Earnings coverage of net charge-offs (x) | 0.4189% | 5,302 |
| Efficiency ratio | 77.4692% | 2,817 |
| Assets per employee ($millions) | 3.7839% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8515% | 419 |
| Loan loss allowance to noncurrent loans | 55.3267% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 5.0636% | 1,259 |
| Noncurrent loans to loans | 6.9614% | 814 |
| Net loans and leases to total assets | 59.3598% | 5,185 |
| Net loans and leases to deposits | 67.0362% | 5,680 |
| Net loans and leases to core deposits | 72.0802% | 5,658 |
| Total domestic deposits to total assets | 88.5489% | 1,702 |
| Equity capital to assets | 9.3968% | 4,867 |
| Core capital (leverage) ratio | 7.5828% | 6,751 |
| Tier 1 risk-based capital ratio | 11.6813% | 5,600 |
| Total risk-based capital ratio | 12.9606% | 5,535 |
| Memoranda: | ||
| Average total assets | $319,473,330 | 2,074 |
| Average earning assets | $275,555,000 | 2,196 |
| Average equity | $28,219,670 | 2,323 |
| Average total loans | $196,120,330 | 2,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 6,165 |
| Cost of funding earning assets | 1.2433% | 5,155 |
| Net interest margin | 3.4784% | 5,248 |
| Noninterest income to average assets | 0.2831% | 5,874 |
| Noninterest expense to average assets | 2.6073% | 5,330 |
| Loan and lease loss provision to assets | 0.4966% | 2,516 |
| Net operating income to assets | 0.1788% | 5,761 |
| Return on assets (ROA) | 0.1788% | 5,889 |
| Pretax return on assets | 0.1664% | 5,978 |
| Return on Equity (ROE) | 2.0890% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.0890% | 4,882 |
| Net charge-offs to loans | 1.2473% | 1,364 |
| Credit loss provision to net charge-offs | 65.0407% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8683% | 4,266 |
| Efficiency ratio | 79.7267% | 2,609 |
| Assets per employee ($millions) | 3.9365% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2667% | 660 |
| Loan loss allowance to noncurrent loans | 48.4096% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 4.8798% | 1,336 |
| Noncurrent loans to loans | 6.7480% | 909 |
| Net loans and leases to total assets | 58.4999% | 5,349 |
| Net loans and leases to deposits | 65.4234% | 5,885 |
| Net loans and leases to core deposits | 70.4628% | 5,878 |
| Total domestic deposits to total assets | 89.4175% | 1,287 |
| Equity capital to assets | 8.6017% | 5,870 |
| Core capital (leverage) ratio | 7.2680% | 7,059 |
| Tier 1 risk-based capital ratio | 11.1008% | 6,059 |
| Total risk-based capital ratio | 12.3730% | 6,005 |
| Memoranda: | ||
| Average total assets | $322,177,000 | 2,109 |
| Average earning assets | $276,680,000 | 2,230 |
| Average equity | $27,573,500 | 2,402 |
| Average total loans | $197,232,000 | 2,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 6,269 |
| Cost of funding earning assets | 1.7107% | 4,449 |
| Net interest margin | 3.3383% | 5,591 |
| Noninterest income to average assets | 0.4425% | 4,862 |
| Noninterest expense to average assets | 2.7112% | 5,337 |
| Loan and lease loss provision to assets | 3.9708% | 345 |
| Net operating income to assets | -1.9761% | 7,080 |
| Return on assets (ROA) | -1.9312% | 7,064 |
| Pretax return on assets | -3.2202% | 7,350 |
| Return on Equity (ROE) | -20.9901% | 7,172 |
| Retained earnings to average equity (ytd only) | -22.5587% | 7,192 |
| Net charge-offs to loans | 4.9716% | 268 |
| Credit loss provision to net charge-offs | 122.6401% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.2118% | 5,922 |
| Efficiency ratio | 79.8126% | 2,917 |
| Assets per employee ($millions) | 3.9698% | 3,876 |
| Cash dividends to net income (ytd only)* | -7.4732% | 7,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3084% | 602 |
| Loan loss allowance to noncurrent loans | 45.1013% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 5.3667% | 1,098 |
| Noncurrent loans to loans | 7.3355% | 729 |
| Net loans and leases to total assets | 59.9144% | 5,355 |
| Net loans and leases to deposits | 69.4064% | 5,680 |
| Net loans and leases to core deposits | 92.8849% | 4,798 |
| Total domestic deposits to total assets | 86.3240% | 2,858 |
| Equity capital to assets | 8.5151% | 5,856 |
| Core capital (leverage) ratio | 7.0168% | 7,221 |
| Tier 1 risk-based capital ratio | 10.6805% | 6,226 |
| Total risk-based capital ratio | 11.9535% | 6,183 |
| Memoranda: | ||
| Average total assets | $323,583,800 | 2,098 |
| Average earning assets | $286,371,400 | 2,148 |
| Average equity | $29,771,200 | 2,244 |
| Average total loans | $210,738,200 | 2,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 6,242 |
| Cost of funding earning assets | 1.7930% | 4,415 |
| Net interest margin | 3.3133% | 5,592 |
| Noninterest income to average assets | 0.4863% | 4,611 |
| Noninterest expense to average assets | 2.7321% | 5,179 |
| Loan and lease loss provision to assets | 3.4759% | 380 |
| Net operating income to assets | -1.6543% | 7,177 |
| Return on assets (ROA) | -1.5946% | 7,152 |
| Pretax return on assets | -2.6819% | 7,414 |
| Return on Equity (ROE) | -17.0171% | 7,272 |
| Retained earnings to average equity (ytd only) | -19.0674% | 7,306 |
| Net charge-offs to loans | 0.9256% | 2,115 |
| Credit loss provision to net charge-offs | 569.7235% | 681 |
| Earnings coverage of net charge-offs (x) | 1.1598% | 4,906 |
| Efficiency ratio | 79.4283% | 2,933 |
| Assets per employee ($millions) | 3.8908% | 3,968 |
| Cash dividends to net income (ytd only)* | -12.0485% | 7,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3664% | 109 |
| Loan loss allowance to noncurrent loans | 48.3656% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 7.4095% | 612 |
| Noncurrent loans to loans | 11.0954% | 325 |
| Net loans and leases to total assets | 61.0835% | 5,408 |
| Net loans and leases to deposits | 71.4902% | 5,737 |
| Net loans and leases to core deposits | 98.6142% | 4,535 |
| Total domestic deposits to total assets | 85.4432% | 2,999 |
| Equity capital to assets | 9.3109% | 5,018 |
| Core capital (leverage) ratio | 8.3760% | 5,696 |
| Tier 1 risk-based capital ratio | 12.6758% | 4,411 |
| Total risk-based capital ratio | 13.9757% | 4,323 |
| Memoranda: | ||
| Average total assets | $324,090,500 | 2,101 |
| Average earning assets | $288,888,000 | 2,145 |
| Average equity | $30,368,750 | 2,225 |
| Average total loans | $213,610,000 | 2,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 6,508 |
| Cost of funding earning assets | 1.8641% | 4,447 |
| Net interest margin | 3.2170% | 5,853 |
| Noninterest income to average assets | 0.5085% | 4,373 |
| Noninterest expense to average assets | 2.7527% | 5,167 |
| Loan and lease loss provision to assets | 4.3806% | 266 |
| Net operating income to assets | -2.2615% | 7,495 |
| Return on assets (ROA) | -2.2615% | 7,494 |
| Pretax return on assets | -3.7433% | 7,709 |
| Return on Equity (ROE) | -24.0835% | 7,610 |
| Retained earnings to average equity (ytd only) | -24.5495% | 7,584 |
| Net charge-offs to loans | 0.9204% | 1,872 |
| Credit loss provision to net charge-offs | 717.1544% | 662 |
| Earnings coverage of net charge-offs (x) | 1.0434% | 4,742 |
| Efficiency ratio | 81.2000% | 2,852 |
| Assets per employee ($millions) | 3.8287% | 4,030 |
| Cash dividends to net income (ytd only)* | -1.9351% | 7,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9401% | 132 |
| Loan loss allowance to noncurrent loans | 70.8139% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 4.8289% | 1,133 |
| Noncurrent loans to loans | 6.9761% | 703 |
| Net loans and leases to total assets | 60.4045% | 5,613 |
| Net loans and leases to deposits | 69.3409% | 6,059 |
| Net loans and leases to core deposits | 94.9655% | 5,010 |
| Total domestic deposits to total assets | 87.1123% | 2,189 |
| Equity capital to assets | 9.1992% | 5,011 |
| Core capital (leverage) ratio | 8.4408% | 5,543 |
| Tier 1 risk-based capital ratio | 13.0197% | 4,136 |
| Total risk-based capital ratio | 14.3137% | 4,018 |
| Memoranda: | ||
| Average total assets | $324,475,670 | 2,125 |
| Average earning assets | $290,646,670 | 2,167 |
| Average equity | $30,469,000 | 2,236 |
| Average total loans | $215,331,330 | 2,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 6,722 |
| Cost of funding earning assets | 1.9250% | 4,511 |
| Net interest margin | 3.1514% | 6,014 |
| Noninterest income to average assets | 0.5328% | 4,040 |
| Noninterest expense to average assets | 2.7335% | 4,854 |
| Loan and lease loss provision to assets | 1.8095% | 683 |
| Net operating income to assets | -0.6657% | 7,021 |
| Return on assets (ROA) | -0.6657% | 7,060 |
| Pretax return on assets | -1.1860% | 7,249 |
| Return on Equity (ROE) | -7.0161% | 7,147 |
| Retained earnings to average equity (ytd only) | -7.0161% | 6,793 |
| Net charge-offs to loans | 0.0037% | 5,673 |
| Credit loss provision to net charge-offs | 72,850.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 171 |
| Efficiency ratio | 81.4280% | 2,619 |
| Assets per employee ($millions) | 3.7757% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 665 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 3.4401% | 1,571 |
| Noncurrent loans to loans | 4.8391% | 1,140 |
| Net loans and leases to total assets | 63.2361% | 5,117 |
| Net loans and leases to deposits | 74.1244% | 5,464 |
| Net loans and leases to core deposits | 97.5264% | 4,797 |
| Total domestic deposits to total assets | 85.3108% | 3,057 |
| Equity capital to assets | 10.1271% | 3,855 |
| Core capital (leverage) ratio | 10.4976% | 2,930 |
| Tier 1 risk-based capital ratio | 14.7603% | 3,175 |
| Total risk-based capital ratio | 16.0260% | 3,101 |
| Memoranda: | ||
| Average total assets | $322,080,000 | 2,152 |
| Average earning assets | $288,629,500 | 2,189 |
| Average equity | $30,558,500 | 2,224 |
| Average total loans | $218,383,000 | 2,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2181% | 4,423 |
| Cost of funding earning assets | 2.5789% | 3,803 |
| Net interest margin | 3.6392% | 4,724 |
| Noninterest income to average assets | 0.5897% | 3,921 |
| Noninterest expense to average assets | 2.7930% | 4,849 |
| Loan and lease loss provision to assets | 1.1543% | 1,264 |
| Net operating income to assets | 0.0538% | 6,220 |
| Return on assets (ROA) | 0.0538% | 6,077 |
| Pretax return on assets | -0.0380% | 6,195 |
| Return on Equity (ROE) | 0.6059% | 6,035 |
| Retained earnings to average equity (ytd only) | 0.6059% | 4,877 |
| Net charge-offs to loans | 1.0809% | 1,127 |
| Credit loss provision to net charge-offs | 151.2236% | 3,468 |
| Earnings coverage of net charge-offs (x) | 1.4624% | 5,381 |
| Efficiency ratio | 71.4450% | 4,045 |
| Assets per employee ($millions) | 3.3902% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 1,392 |
| Loan loss allowance to noncurrent loans | 59.6045% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 2.4206% | 2,005 |
| Noncurrent loans to loans | 3.2039% | 1,644 |
| Net loans and leases to total assets | 69.4975% | 4,145 |
| Net loans and leases to deposits | 80.8314% | 4,901 |
| Net loans and leases to core deposits | 108.6161% | 3,897 |
| Total domestic deposits to total assets | 85.9783% | 2,414 |
| Equity capital to assets | 8.8069% | 5,640 |
| Core capital (leverage) ratio | 8.4825% | 5,606 |
| Tier 1 risk-based capital ratio | 12.0441% | 4,788 |
| Total risk-based capital ratio | 13.3024% | 4,666 |
| Memoranda: | ||
| Average total assets | $310,496,000 | 2,150 |
| Average earning assets | $283,220,200 | 2,154 |
| Average equity | $27,564,400 | 2,431 |
| Average total loans | $219,251,600 | 2,133 |