Home > Hot Springs Bank & Trust Company > Performance and Condition Ratios
Hot Springs Bank & Trust Company, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 3,389 |
| Cost of funding earning assets | 0.4645% | 4,122 |
| Net interest margin | 3.7367% | 2,900 |
| Noninterest income to average assets | 0.5304% | 3,586 |
| Noninterest expense to average assets | 4.0315% | 826 |
| Loan and lease loss provision to assets | 0.8553% | 212 |
| Net operating income to assets | -1.2256% | 6,734 |
| Return on assets (ROA) | -1.2256% | 6,735 |
| Pretax return on assets | -1.2256% | 6,726 |
| Return on Equity (ROE) | -10.6867% | 6,698 |
| Retained earnings to average equity (ytd only) | -10.6867% | 6,655 |
| Net charge-offs to loans | 1.7650% | 238 |
| Credit loss provision to net charge-offs | 73.7483% | 2,985 |
| Earnings coverage of net charge-offs (x) | -0.3194% | 4,933 |
| Efficiency ratio | 110.1157% | 265 |
| Assets per employee ($millions) | 3.1118% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6900% | 287 |
| Loan loss allowance to noncurrent loans | 70.0408% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 8.3034% | 214 |
| Noncurrent loans to loans | 5.2683% | 542 |
| Net loans and leases to total assets | 60.9391% | 3,533 |
| Net loans and leases to deposits | 69.3280% | 3,882 |
| Net loans and leases to core deposits | 69.9665% | 4,326 |
| Total domestic deposits to total assets | 87.8997% | 2,195 |
| Equity capital to assets | 11.6578% | 2,163 |
| Core capital (leverage) ratio | 10.8659% | 2,604 |
| Tier 1 risk-based capital ratio | 17.1475% | 2,647 |
| Total risk-based capital ratio | 18.4316% | 2,598 |
| Memoranda: | ||
| Average total assets | $84,961,500 | 5,163 |
| Average earning assets | $71,184,000 | 5,332 |
| Average equity | $9,744,000 | 4,964 |
| Average total loans | $55,826,250 | 4,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 3,277 |
| Cost of funding earning assets | 0.4899% | 3,989 |
| Net interest margin | 3.7322% | 2,835 |
| Noninterest income to average assets | 0.4194% | 4,381 |
| Noninterest expense to average assets | 4.0643% | 805 |
| Loan and lease loss provision to assets | 1.1933% | 135 |
| Net operating income to assets | -1.6962% | 6,827 |
| Return on assets (ROA) | -1.6962% | 6,829 |
| Pretax return on assets | -1.6962% | 6,820 |
| Return on Equity (ROE) | -14.8660% | 6,795 |
| Retained earnings to average equity (ytd only) | -14.8660% | 6,758 |
| Net charge-offs to loans | 2.3043% | 172 |
| Credit loss provision to net charge-offs | 77.9123% | 2,669 |
| Earnings coverage of net charge-offs (x) | -0.3283% | 4,637 |
| Efficiency ratio | 114.1184% | 230 |
| Assets per employee ($millions) | 2.9564% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5387% | 356 |
| Loan loss allowance to noncurrent loans | 70.6934% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 7.9209% | 261 |
| Noncurrent loans to loans | 5.0058% | 644 |
| Net loans and leases to total assets | 61.5851% | 3,372 |
| Net loans and leases to deposits | 69.5973% | 3,773 |
| Net loans and leases to core deposits | 70.4789% | 4,218 |
| Total domestic deposits to total assets | 88.4878% | 1,921 |
| Equity capital to assets | 11.0538% | 2,702 |
| Core capital (leverage) ratio | 10.7899% | 2,575 |
| Tier 1 risk-based capital ratio | 16.1255% | 3,123 |
| Total risk-based capital ratio | 17.4068% | 3,061 |
| Memoranda: | ||
| Average total assets | $86,313,000 | 5,145 |
| Average earning assets | $72,664,670 | 5,314 |
| Average equity | $9,848,000 | 4,977 |
| Average total loans | $57,370,670 | 4,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,233 |
| Cost of funding earning assets | 0.5098% | 3,975 |
| Net interest margin | 3.7057% | 2,829 |
| Noninterest income to average assets | 0.3095% | 5,214 |
| Noninterest expense to average assets | 4.2355% | 678 |
| Loan and lease loss provision to assets | 1.0993% | 156 |
| Net operating income to assets | -1.9030% | 6,920 |
| Return on assets (ROA) | -1.9030% | 6,921 |
| Pretax return on assets | -1.9030% | 6,911 |
| Return on Equity (ROE) | -16.4250% | 6,876 |
| Retained earnings to average equity (ytd only) | -16.4250% | 6,777 |
| Net charge-offs to loans | 4.4234% | 57 |
| Credit loss provision to net charge-offs | 36.6718% | 2,791 |
| Earnings coverage of net charge-offs (x) | -0.2681% | 3,886 |
| Efficiency ratio | 123.4186% | 190 |
| Assets per employee ($millions) | 3.1001% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9265% | 712 |
| Loan loss allowance to noncurrent loans | 86.2745% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 7.0402% | 395 |
| Noncurrent loans to loans | 3.3920% | 1,425 |
| Net loans and leases to total assets | 63.8948% | 2,728 |
| Net loans and leases to deposits | 72.4198% | 3,129 |
| Net loans and leases to core deposits | 73.3275% | 3,664 |
| Total domestic deposits to total assets | 88.2284% | 2,175 |
| Equity capital to assets | 11.3166% | 2,615 |
| Core capital (leverage) ratio | 10.9940% | 2,270 |
| Tier 1 risk-based capital ratio | 16.0132% | 3,260 |
| Total risk-based capital ratio | 17.2883% | 3,202 |
| Memoranda: | ||
| Average total assets | $86,602,000 | 5,182 |
| Average earning assets | $72,969,500 | 5,355 |
| Average equity | $10,033,500 | 4,978 |
| Average total loans | $58,687,500 | 4,751 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 2,707 |
| Cost of funding earning assets | 0.7129% | 3,383 |
| Net interest margin | 3.9574% | 2,576 |
| Noninterest income to average assets | 0.7763% | 2,361 |
| Noninterest expense to average assets | 3.9892% | 987 |
| Loan and lease loss provision to assets | 0.3349% | 2,013 |
| Net operating income to assets | -0.1405% | 6,330 |
| Return on assets (ROA) | -0.0725% | 6,365 |
| Pretax return on assets | -0.0725% | 6,343 |
| Return on Equity (ROE) | -0.6371% | 6,356 |
| Retained earnings to average equity (ytd only) | -0.6371% | 5,958 |
| Net charge-offs to loans | 0.2113% | 3,699 |
| Credit loss provision to net charge-offs | 231.0606% | 1,070 |
| Earnings coverage of net charge-offs (x) | 1.3409% | 4,787 |
| Efficiency ratio | 95.3543% | 731 |
| Assets per employee ($millions) | 2.8801% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4578% | 442 |
| Loan loss allowance to noncurrent loans | 117.4183% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 4.4883% | 922 |
| Noncurrent loans to loans | 2.9448% | 1,775 |
| Net loans and leases to total assets | 67.3109% | 2,316 |
| Net loans and leases to deposits | 76.8615% | 2,675 |
| Net loans and leases to core deposits | 77.8356% | 3,283 |
| Total domestic deposits to total assets | 87.5744% | 2,496 |
| Equity capital to assets | 11.8562% | 2,139 |
| Core capital (leverage) ratio | 11.3775% | 1,954 |
| Tier 1 risk-based capital ratio | 17.0748% | 2,614 |
| Total risk-based capital ratio | 18.3593% | 2,570 |
| Memoranda: | ||
| Average total assets | $91,071,800 | 5,056 |
| Average earning assets | $78,410,600 | 5,173 |
| Average equity | $10,359,400 | 4,901 |
| Average total loans | $62,461,200 | 4,611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 2,913 |
| Cost of funding earning assets | 0.7606% | 3,267 |
| Net interest margin | 3.9132% | 2,865 |
| Noninterest income to average assets | 0.7733% | 2,360 |
| Noninterest expense to average assets | 3.9505% | 998 |
| Loan and lease loss provision to assets | 0.2024% | 3,060 |
| Net operating income to assets | 0.0043% | 6,272 |
| Return on assets (ROA) | 0.0940% | 6,279 |
| Pretax return on assets | 0.0940% | 6,280 |
| Return on Equity (ROE) | 0.8342% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.8342% | 5,833 |
| Net charge-offs to loans | 0.1693% | 3,759 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 1.7875% | 4,374 |
| Efficiency ratio | 95.0278% | 711 |
| Assets per employee ($millions) | 2.7788% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1942% | 600 |
| Loan loss allowance to noncurrent loans | 121.3054% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 4.3296% | 1,078 |
| Noncurrent loans to loans | 2.6332% | 2,155 |
| Net loans and leases to total assets | 67.1420% | 2,434 |
| Net loans and leases to deposits | 76.4378% | 2,919 |
| Net loans and leases to core deposits | 77.3759% | 3,554 |
| Total domestic deposits to total assets | 87.8388% | 2,135 |
| Equity capital to assets | 11.6743% | 2,562 |
| Core capital (leverage) ratio | 11.2096% | 2,207 |
| Tier 1 risk-based capital ratio | 16.7640% | 2,861 |
| Total risk-based capital ratio | 18.0386% | 2,803 |
| Memoranda: | ||
| Average total assets | $92,239,250 | 5,070 |
| Average earning assets | $79,762,500 | 5,190 |
| Average equity | $10,388,250 | 4,941 |
| Average total loans | $63,016,250 | 4,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 3,060 |
| Cost of funding earning assets | 0.8284% | 2,965 |
| Net interest margin | 3.8395% | 3,179 |
| Noninterest income to average assets | 0.7863% | 2,251 |
| Noninterest expense to average assets | 3.8738% | 1,111 |
| Loan and lease loss provision to assets | 0.2143% | 2,931 |
| Net operating income to assets | 0.0150% | 6,302 |
| Return on assets (ROA) | 0.1478% | 6,217 |
| Pretax return on assets | 0.1478% | 6,233 |
| Return on Equity (ROE) | 1.3281% | 6,229 |
| Retained earnings to average equity (ytd only) | 1.3281% | 5,529 |
| Net charge-offs to loans | 0.0095% | 5,333 |
| Credit loss provision to net charge-offs | 3,333.3333% | 90 |
| Earnings coverage of net charge-offs (x) | 35.6667% | 963 |
| Efficiency ratio | 94.4125% | 785 |
| Assets per employee ($millions) | 2.8499% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2950% | 596 |
| Loan loss allowance to noncurrent loans | 113.4539% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 4.5452% | 1,087 |
| Noncurrent loans to loans | 2.9043% | 2,056 |
| Net loans and leases to total assets | 64.5895% | 2,909 |
| Net loans and leases to deposits | 73.3172% | 3,410 |
| Net loans and leases to core deposits | 74.1907% | 4,004 |
| Total domestic deposits to total assets | 88.0960% | 2,079 |
| Equity capital to assets | 11.3821% | 2,707 |
| Core capital (leverage) ratio | 10.9665% | 2,334 |
| Tier 1 risk-based capital ratio | 16.6713% | 2,821 |
| Total risk-based capital ratio | 17.9517% | 2,757 |
| Memoranda: | ||
| Average total assets | $93,345,000 | 5,085 |
| Average earning assets | $80,634,670 | 5,184 |
| Average equity | $10,390,670 | 4,940 |
| Average total loans | $63,463,670 | 4,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 2,071 |
| Cost of funding earning assets | 0.8726% | 2,890 |
| Net interest margin | 4.0737% | 2,200 |
| Noninterest income to average assets | 0.8981% | 1,755 |
| Noninterest expense to average assets | 3.7408% | 1,314 |
| Loan and lease loss provision to assets | 0.2965% | 2,104 |
| Net operating income to assets | 0.3813% | 5,339 |
| Return on assets (ROA) | 0.3813% | 5,524 |
| Pretax return on assets | 0.3813% | 5,779 |
| Return on Equity (ROE) | 3.4629% | 5,526 |
| Retained earnings to average equity (ytd only) | 3.4629% | 4,502 |
| Net charge-offs to loans | -0.0185% | 6,158 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6596% | 1,618 |
| Assets per employee ($millions) | 2.9035% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1012% | 761 |
| Loan loss allowance to noncurrent loans | 158.0080% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 4.0081% | 1,369 |
| Noncurrent loans to loans | 1.9627% | 3,207 |
| Net loans and leases to total assets | 66.6850% | 2,354 |
| Net loans and leases to deposits | 75.5303% | 2,881 |
| Net loans and leases to core deposits | 76.9639% | 3,476 |
| Total domestic deposits to total assets | 88.2890% | 2,140 |
| Equity capital to assets | 11.2331% | 2,690 |
| Core capital (leverage) ratio | 10.8067% | 2,433 |
| Tier 1 risk-based capital ratio | 15.9426% | 3,203 |
| Total risk-based capital ratio | 17.2196% | 3,157 |
| Memoranda: | ||
| Average total assets | $94,419,500 | 5,086 |
| Average earning assets | $81,596,500 | 5,204 |
| Average equity | $10,396,000 | 4,943 |
| Average total loans | $64,740,500 | 4,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 4,151 |
| Cost of funding earning assets | 1.0642% | 2,921 |
| Net interest margin | 3.6594% | 4,475 |
| Noninterest income to average assets | -0.0415% | 7,053 |
| Noninterest expense to average assets | 4.1321% | 877 |
| Loan and lease loss provision to assets | 1.3926% | 561 |
| Net operating income to assets | -2.3274% | 7,086 |
| Return on assets (ROA) | -2.3274% | 7,098 |
| Pretax return on assets | -2.3274% | 7,091 |
| Return on Equity (ROE) | -23.0251% | 7,027 |
| Retained earnings to average equity (ytd only) | -23.0251% | 7,014 |
| Net charge-offs to loans | 1.6463% | 948 |
| Credit loss provision to net charge-offs | 122.9875% | 2,568 |
| Earnings coverage of net charge-offs (x) | -0.8256% | 6,159 |
| Efficiency ratio | 129.2366% | 237 |
| Assets per employee ($millions) | 3.1975% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9143% | 880 |
| Loan loss allowance to noncurrent loans | 80.4888% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 4.6275% | 1,182 |
| Noncurrent loans to loans | 3.6207% | 1,761 |
| Net loans and leases to total assets | 66.3313% | 2,724 |
| Net loans and leases to deposits | 74.7908% | 3,377 |
| Net loans and leases to core deposits | 76.6144% | 3,885 |
| Total domestic deposits to total assets | 88.6892% | 1,726 |
| Equity capital to assets | 10.7948% | 3,200 |
| Core capital (leverage) ratio | 10.4786% | 2,755 |
| Tier 1 risk-based capital ratio | 15.4763% | 3,342 |
| Total risk-based capital ratio | 16.7471% | 3,282 |
| Memoranda: | ||
| Average total assets | $98,738,600 | 4,923 |
| Average earning assets | $87,390,200 | 5,011 |
| Average equity | $9,980,400 | 5,027 |
| Average total loans | $67,911,000 | 4,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 4,493 |
| Cost of funding earning assets | 1.1091% | 2,917 |
| Net interest margin | 3.5838% | 4,837 |
| Noninterest income to average assets | -0.1381% | 7,238 |
| Noninterest expense to average assets | 3.9030% | 1,150 |
| Loan and lease loss provision to assets | 1.3073% | 573 |
| Net operating income to assets | -2.1640% | 7,164 |
| Return on assets (ROA) | -2.1640% | 7,174 |
| Pretax return on assets | -2.1640% | 7,155 |
| Return on Equity (ROE) | -21.7660% | 7,117 |
| Retained earnings to average equity (ytd only) | -21.7660% | 7,104 |
| Net charge-offs to loans | 1.1950% | 1,313 |
| Credit loss provision to net charge-offs | 158.7948% | 1,947 |
| Earnings coverage of net charge-offs (x) | -1.0407% | 5,937 |
| Efficiency ratio | 128.1250% | 239 |
| Assets per employee ($millions) | 3.1199% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9853% | 871 |
| Loan loss allowance to noncurrent loans | 44.9453% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 5.6163% | 979 |
| Noncurrent loans to loans | 6.6420% | 784 |
| Net loans and leases to total assets | 67.6720% | 2,544 |
| Net loans and leases to deposits | 79.5476% | 2,712 |
| Net loans and leases to core deposits | 81.5020% | 3,408 |
| Total domestic deposits to total assets | 85.0710% | 3,737 |
| Equity capital to assets | 11.4291% | 2,754 |
| Core capital (leverage) ratio | 11.2349% | 2,206 |
| Tier 1 risk-based capital ratio | 16.3926% | 2,917 |
| Total risk-based capital ratio | 17.6651% | 2,873 |
| Memoranda: | ||
| Average total assets | $99,441,750 | 4,940 |
| Average earning assets | $88,358,250 | 5,013 |
| Average equity | $9,886,750 | 5,065 |
| Average total loans | $68,504,000 | 4,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 4,388 |
| Cost of funding earning assets | 1.1757% | 2,737 |
| Net interest margin | 3.5562% | 4,901 |
| Noninterest income to average assets | -0.3627% | 7,399 |
| Noninterest expense to average assets | 3.9143% | 1,167 |
| Loan and lease loss provision to assets | 1.7439% | 386 |
| Net operating income to assets | -2.8620% | 7,296 |
| Return on assets (ROA) | -2.8620% | 7,300 |
| Pretax return on assets | -2.8620% | 7,291 |
| Return on Equity (ROE) | -30.2390% | 7,248 |
| Retained earnings to average equity (ytd only) | -30.2390% | 7,241 |
| Net charge-offs to loans | 0.5781% | 2,375 |
| Credit loss provision to net charge-offs | 439.6985% | 689 |
| Earnings coverage of net charge-offs (x) | -2.8191% | 5,745 |
| Efficiency ratio | 139.9857% | 198 |
| Assets per employee ($millions) | 3.0822% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5314% | 585 |
| Loan loss allowance to noncurrent loans | 48.2494% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 5.8369% | 971 |
| Noncurrent loans to loans | 7.3190% | 679 |
| Net loans and leases to total assets | 66.5875% | 2,913 |
| Net loans and leases to deposits | 77.8311% | 3,147 |
| Net loans and leases to core deposits | 79.7531% | 3,817 |
| Total domestic deposits to total assets | 85.5539% | 3,593 |
| Equity capital to assets | 11.7240% | 2,312 |
| Core capital (leverage) ratio | 11.5603% | 1,871 |
| Tier 1 risk-based capital ratio | 17.2230% | 2,435 |
| Total risk-based capital ratio | 18.5096% | 2,399 |
| Memoranda: | ||
| Average total assets | $100,349,670 | 4,952 |
| Average earning assets | $89,141,330 | 5,019 |
| Average equity | $9,497,670 | 5,184 |
| Average total loans | $68,850,330 | 4,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 4,650 |
| Cost of funding earning assets | 1.2210% | 2,678 |
| Net interest margin | 3.4479% | 5,236 |
| Noninterest income to average assets | 0.3270% | 5,293 |
| Noninterest expense to average assets | 3.5659% | 1,837 |
| Loan and lease loss provision to assets | 2.7250% | 183 |
| Net operating income to assets | -2.9080% | 7,385 |
| Return on assets (ROA) | -2.9080% | 7,391 |
| Pretax return on assets | -2.9080% | 7,370 |
| Return on Equity (ROE) | -34.5613% | 7,352 |
| Retained earnings to average equity (ytd only) | -34.5613% | 7,328 |
| Net charge-offs to loans | -0.0057% | 6,265 |
| Credit loss provision to net charge-offs | -70,000.0000% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4085% | 590 |
| Assets per employee ($millions) | 3.2380% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3592% | 681 |
| Loan loss allowance to noncurrent loans | 44.5412% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 7.3631% | 695 |
| Noncurrent loans to loans | 7.5417% | 688 |
| Net loans and leases to total assets | 67.4673% | 2,665 |
| Net loans and leases to deposits | 78.1976% | 3,028 |
| Net loans and leases to core deposits | 80.0158% | 3,760 |
| Total domestic deposits to total assets | 86.2780% | 3,343 |
| Equity capital to assets | 8.2477% | 6,228 |
| Core capital (leverage) ratio | 7.9269% | 6,331 |
| Tier 1 risk-based capital ratio | 11.8420% | 5,824 |
| Total risk-based capital ratio | 13.1177% | 5,811 |
| Memoranda: | ||
| Average total assets | $102,750,500 | 4,925 |
| Average earning assets | $91,071,000 | 5,004 |
| Average equity | $8,645,500 | 5,423 |
| Average total loans | $70,299,500 | 4,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 3,022 |
| Cost of funding earning assets | 1.4982% | 2,649 |
| Net interest margin | 3.8232% | 3,851 |
| Noninterest income to average assets | 0.2707% | 5,848 |
| Noninterest expense to average assets | 3.7141% | 1,671 |
| Loan and lease loss provision to assets | 0.7794% | 2,099 |
| Net operating income to assets | -0.8546% | 6,604 |
| Return on assets (ROA) | -0.8546% | 6,632 |
| Pretax return on assets | -0.8546% | 6,546 |
| Return on Equity (ROE) | -9.1364% | 6,683 |
| Retained earnings to average equity (ytd only) | -9.1364% | 6,603 |
| Net charge-offs to loans | 0.8946% | 2,401 |
| Credit loss provision to net charge-offs | 119.1458% | 3,560 |
| Earnings coverage of net charge-offs (x) | -0.1149% | 6,234 |
| Efficiency ratio | 102.0651% | 720 |
| Assets per employee ($millions) | 3.6249% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 1,625 |
| Loan loss allowance to noncurrent loans | 107.7626% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 3.8232% | 1,789 |
| Noncurrent loans to loans | 2.1738% | 3,341 |
| Net loans and leases to total assets | 65.5144% | 3,563 |
| Net loans and leases to deposits | 73.4770% | 4,282 |
| Net loans and leases to core deposits | 75.4773% | 4,789 |
| Total domestic deposits to total assets | 89.1631% | 1,557 |
| Equity capital to assets | 8.5729% | 5,758 |
| Core capital (leverage) ratio | 8.0943% | 6,027 |
| Tier 1 risk-based capital ratio | 12.6067% | 4,929 |
| Total risk-based capital ratio | 13.8555% | 4,918 |
| Memoranda: | ||
| Average total assets | $103,793,000 | 4,876 |
| Average earning assets | $91,441,000 | 4,966 |
| Average equity | $9,708,400 | 5,206 |
| Average total loans | $75,902,200 | 4,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 2,587 |
| Cost of funding earning assets | 1.5327% | 2,758 |
| Net interest margin | 3.9306% | 3,403 |
| Noninterest income to average assets | 0.3132% | 5,648 |
| Noninterest expense to average assets | 3.2617% | 2,700 |
| Loan and lease loss provision to assets | 1.1199% | 1,299 |
| Net operating income to assets | -0.6147% | 6,675 |
| Return on assets (ROA) | -0.6147% | 6,719 |
| Pretax return on assets | -0.6147% | 6,622 |
| Return on Equity (ROE) | -6.4354% | 6,753 |
| Retained earnings to average equity (ytd only) | -6.4354% | 6,673 |
| Net charge-offs to loans | 1.3273% | 1,535 |
| Credit loss provision to net charge-offs | 113.0039% | 3,720 |
| Earnings coverage of net charge-offs (x) | 0.5097% | 5,512 |
| Efficiency ratio | 86.5891% | 1,569 |
| Assets per employee ($millions) | 3.8295% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 1,747 |
| Loan loss allowance to noncurrent loans | 76.9924% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 3.1327% | 2,305 |
| Noncurrent loans to loans | 2.8913% | 2,761 |
| Net loans and leases to total assets | 62.0495% | 4,524 |
| Net loans and leases to deposits | 69.6483% | 5,200 |
| Net loans and leases to core deposits | 71.9208% | 5,520 |
| Total domestic deposits to total assets | 89.0899% | 1,345 |
| Equity capital to assets | 8.4268% | 6,361 |
| Core capital (leverage) ratio | 8.4456% | 5,615 |
| Tier 1 risk-based capital ratio | 12.9656% | 4,604 |
| Total risk-based capital ratio | 14.2261% | 4,573 |
| Memoranda: | ||
| Average total assets | $103,460,750 | 4,951 |
| Average earning assets | $90,907,750 | 5,041 |
| Average equity | $9,882,500 | 5,232 |
| Average total loans | $77,247,250 | 4,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 1,733 |
| Cost of funding earning assets | 1.5415% | 3,003 |
| Net interest margin | 4.1653% | 2,275 |
| Noninterest income to average assets | 0.3693% | 5,188 |
| Noninterest expense to average assets | 3.3637% | 2,361 |
| Loan and lease loss provision to assets | 1.5092% | 879 |
| Net operating income to assets | -0.8811% | 6,894 |
| Return on assets (ROA) | -0.8811% | 6,913 |
| Pretax return on assets | -0.8811% | 6,833 |
| Return on Equity (ROE) | -8.8244% | 6,921 |
| Retained earnings to average equity (ytd only) | -8.8244% | 6,855 |
| Net charge-offs to loans | 0.6506% | 2,593 |
| Credit loss provision to net charge-offs | 293.7500% | 1,265 |
| Earnings coverage of net charge-offs (x) | 1.2227% | 4,587 |
| Efficiency ratio | 84.2634% | 1,893 |
| Assets per employee ($millions) | 3.3889% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5918% | 1,202 |
| Loan loss allowance to noncurrent loans | 48.6031% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 5.3439% | 1,173 |
| Noncurrent loans to loans | 5.3326% | 1,253 |
| Net loans and leases to total assets | 74.5984% | 1,786 |
| Net loans and leases to deposits | 86.5095% | 2,432 |
| Net loans and leases to core deposits | 88.3733% | 3,502 |
| Total domestic deposits to total assets | 86.2315% | 2,953 |
| Equity capital to assets | 9.5547% | 4,628 |
| Core capital (leverage) ratio | 9.5410% | 3,758 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,604 |
| Total risk-based capital ratio | 14.0844% | 4,535 |
| Memoranda: | ||
| Average total assets | $99,653,000 | 5,087 |
| Average earning assets | $86,668,670 | 5,218 |
| Average equity | $9,949,670 | 5,216 |
| Average total loans | $78,693,670 | 4,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8810% | 1,245 |
| Cost of funding earning assets | 1.5895% | 3,023 |
| Net interest margin | 4.2916% | 1,713 |
| Noninterest income to average assets | 0.4988% | 4,053 |
| Noninterest expense to average assets | 3.4710% | 2,057 |
| Loan and lease loss provision to assets | 1.3016% | 929 |
| Net operating income to assets | -0.5515% | 6,864 |
| Return on assets (ROA) | -0.5515% | 6,897 |
| Pretax return on assets | -0.5515% | 6,819 |
| Return on Equity (ROE) | -5.4035% | 6,907 |
| Retained earnings to average equity (ytd only) | -5.4035% | 6,620 |
| Net charge-offs to loans | 0.2022% | 3,701 |
| Credit loss provision to net charge-offs | 802.5000% | 564 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,588 |
| Efficiency ratio | 82.2286% | 2,248 |
| Assets per employee ($millions) | 3.3844% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 1,548 |
| Loan loss allowance to noncurrent loans | 69.2929% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.7751% | 1,840 |
| Noncurrent loans to loans | 3.3453% | 2,390 |
| Net loans and leases to total assets | 74.8308% | 1,784 |
| Net loans and leases to deposits | 87.7821% | 2,259 |
| Net loans and leases to core deposits | 91.3636% | 3,188 |
| Total domestic deposits to total assets | 85.2462% | 3,538 |
| Equity capital to assets | 9.8431% | 4,058 |
| Core capital (leverage) ratio | 10.0210% | 3,144 |
| Tier 1 risk-based capital ratio | 12.8893% | 4,411 |
| Total risk-based capital ratio | 14.1658% | 4,373 |
| Memoranda: | ||
| Average total assets | $98,646,000 | 5,188 |
| Average earning assets | $85,563,000 | 5,319 |
| Average equity | $10,067,500 | 5,219 |
| Average total loans | $79,110,500 | 4,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2746% | 1,071 |
| Cost of funding earning assets | 2.2029% | 2,020 |
| Net interest margin | 4.0718% | 2,561 |
| Noninterest income to average assets | 0.2863% | 6,057 |
| Noninterest expense to average assets | 3.2618% | 3,149 |
| Loan and lease loss provision to assets | 1.3398% | 1,714 |
| Net operating income to assets | -0.7079% | 6,375 |
| Return on assets (ROA) | -0.7079% | 6,369 |
| Pretax return on assets | -0.7079% | 6,200 |
| Return on Equity (ROE) | -7.5818% | 6,436 |
| Retained earnings to average equity (ytd only) | -7.5818% | 6,298 |
| Net charge-offs to loans | 0.6943% | 3,103 |
| Credit loss provision to net charge-offs | 233.5175% | 1,557 |
| Earnings coverage of net charge-offs (x) | 1.1013% | 5,008 |
| Efficiency ratio | 83.7720% | 2,378 |
| Assets per employee ($millions) | 2.9925% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8921% | 2,281 |
| Loan loss allowance to noncurrent loans | 79.0239% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 3.0211% | 2,315 |
| Noncurrent loans to loans | 2.3943% | 3,170 |
| Net loans and leases to total assets | 82.4131% | 628 |
| Net loans and leases to deposits | 98.2606% | 1,073 |
| Net loans and leases to core deposits | 127.2358% | 1,434 |
| Total domestic deposits to total assets | 83.8720% | 4,089 |
| Equity capital to assets | 10.5901% | 3,079 |
| Core capital (leverage) ratio | 10.1560% | 2,945 |
| Tier 1 risk-based capital ratio | 13.1617% | 4,035 |
| Total risk-based capital ratio | 14.4340% | 3,972 |
| Memoranda: | ||
| Average total assets | $94,641,400 | 5,252 |
| Average earning assets | $83,845,600 | 5,337 |
| Average equity | $8,837,000 | 5,654 |
| Average total loans | $78,204,400 | 4,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2880% | 1,162 |
| Cost of funding earning assets | 2.3759% | 1,720 |
| Net interest margin | 3.9120% | 3,190 |
| Noninterest income to average assets | 0.2685% | 6,314 |
| Noninterest expense to average assets | 3.1255% | 3,556 |
| Loan and lease loss provision to assets | 0.5129% | 3,337 |
| Net operating income to assets | 0.0989% | 5,466 |
| Return on assets (ROA) | 0.0989% | 5,517 |
| Pretax return on assets | 0.0989% | 5,527 |
| Return on Equity (ROE) | 1.0966% | 5,463 |
| Retained earnings to average equity (ytd only) | 1.0966% | 4,708 |
| Net charge-offs to loans | 0.0223% | 6,582 |
| Credit loss provision to net charge-offs | 2,792.3077% | 146 |
| Earnings coverage of net charge-offs (x) | 33.3133% | 864 |
| Efficiency ratio | 83.6295% | 2,335 |
| Assets per employee ($millions) | 3.4231% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 3,706 |
| Loan loss allowance to noncurrent loans | 53.3457% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.4408% | 2,820 |
| Noncurrent loans to loans | 2.7125% | 2,795 |
| Net loans and leases to total assets | 78.7620% | 1,431 |
| Net loans and leases to deposits | 93.2874% | 2,001 |
| Net loans and leases to core deposits | 119.7534% | 2,264 |
| Total domestic deposits to total assets | 84.4293% | 3,515 |
| Equity capital to assets | 10.6951% | 3,290 |
| Core capital (leverage) ratio | 10.6274% | 2,687 |
| Tier 1 risk-based capital ratio | 14.2306% | 3,421 |
| Total risk-based capital ratio | 15.4945% | 3,358 |
| Memoranda: | ||
| Average total assets | $94,362,000 | 5,293 |
| Average earning assets | $83,671,000 | 5,384 |
| Average equity | $8,511,000 | 5,820 |
| Average total loans | $77,645,500 | 4,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3184% | 1,159 |
| Cost of funding earning assets | 2.5317% | 1,502 |
| Net interest margin | 3.7867% | 3,603 |
| Noninterest income to average assets | 0.2782% | 6,276 |
| Noninterest expense to average assets | 3.1253% | 3,597 |
| Loan and lease loss provision to assets | 0.2696% | 4,425 |
| Net operating income to assets | 0.2480% | 5,092 |
| Return on assets (ROA) | 0.2480% | 5,190 |
| Pretax return on assets | 0.2480% | 5,333 |
| Return on Equity (ROE) | 2.9453% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.9453% | 3,685 |
| Net charge-offs to loans | 0.0026% | 6,591 |
| Credit loss provision to net charge-offs | 12,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 168 |
| Efficiency ratio | 85.7904% | 2,247 |
| Assets per employee ($millions) | 3.3314% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 5,074 |
| Loan loss allowance to noncurrent loans | 41.1528% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 2,808 |
| Noncurrent loans to loans | 2.8686% | 2,513 |
| Net loans and leases to total assets | 79.7994% | 1,348 |
| Net loans and leases to deposits | 92.8979% | 2,291 |
| Net loans and leases to core deposits | 116.2663% | 2,688 |
| Total domestic deposits to total assets | 85.9002% | 2,836 |
| Equity capital to assets | 8.1316% | 6,594 |
| Core capital (leverage) ratio | 8.0185% | 6,295 |
| Tier 1 risk-based capital ratio | 10.5366% | 6,342 |
| Total risk-based capital ratio | 11.8001% | 6,283 |
| Memoranda: | ||
| Average total assets | $92,726,000 | 5,377 |
| Average earning assets | $82,394,670 | 5,452 |
| Average equity | $7,809,000 | 6,084 |
| Average total loans | $77,082,330 | 4,695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4887% | 889 |
| Cost of funding earning assets | 2.7028% | 1,263 |
| Net interest margin | 3.7859% | 3,508 |
| Noninterest income to average assets | 0.2864% | 6,147 |
| Noninterest expense to average assets | 3.1063% | 3,351 |
| Loan and lease loss provision to assets | 0.1762% | 4,700 |
| Net operating income to assets | 0.3613% | 5,011 |
| Return on assets (ROA) | 0.3613% | 5,197 |
| Pretax return on assets | 0.3613% | 5,509 |
| Return on Equity (ROE) | 4.2130% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.2130% | 3,565 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2479% | 2,169 |
| Assets per employee ($millions) | 3.1758% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,607 |
| Loan loss allowance to noncurrent loans | 91.2759% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 4,706 |
| Noncurrent loans to loans | 1.1838% | 4,607 |
| Net loans and leases to total assets | 83.1994% | 824 |
| Net loans and leases to deposits | 101.5466% | 1,226 |
| Net loans and leases to core deposits | 132.3540% | 1,510 |
| Total domestic deposits to total assets | 81.9323% | 4,578 |
| Equity capital to assets | 8.4888% | 6,088 |
| Core capital (leverage) ratio | 8.2317% | 6,032 |
| Tier 1 risk-based capital ratio | 10.4178% | 6,480 |
| Total risk-based capital ratio | 11.5707% | 6,496 |
| Memoranda: | ||
| Average total assets | $90,783,500 | 5,459 |
| Average earning assets | $80,509,500 | 5,537 |
| Average equity | $7,785,500 | 6,127 |
| Average total loans | $76,615,500 | 4,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0077% | 1,116 |
| Cost of funding earning assets | 3.5688% | 434 |
| Net interest margin | 3.4389% | 5,506 |
| Noninterest income to average assets | 0.3023% | 6,287 |
| Noninterest expense to average assets | 3.4288% | 2,587 |
| Loan and lease loss provision to assets | 0.3586% | 3,533 |
| Net operating income to assets | -0.4329% | 6,858 |
| Return on assets (ROA) | -0.4329% | 6,737 |
| Pretax return on assets | -0.4329% | 6,584 |
| Return on Equity (ROE) | -4.3488% | 6,789 |
| Retained earnings to average equity (ytd only) | -4.3488% | 6,387 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2146% | 909 |
| Assets per employee ($millions) | 3.0851% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,608 |
| Loan loss allowance to noncurrent loans | 218.9560% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 5,994 |
| Noncurrent loans to loans | 0.4804% | 5,908 |
| Net loans and leases to total assets | 83.7966% | 924 |
| Net loans and leases to deposits | 105.1810% | 1,200 |
| Net loans and leases to core deposits | 141.2328% | 1,201 |
| Total domestic deposits to total assets | 79.6689% | 5,143 |
| Equity capital to assets | 8.6656% | 5,855 |
| Core capital (leverage) ratio | 8.0321% | 6,437 |
| Tier 1 risk-based capital ratio | 11.5476% | 5,200 |
| Total risk-based capital ratio | 12.7778% | 5,109 |
| Memoranda: | ||
| Average total assets | $78,073,200 | 5,763 |
| Average earning assets | $69,295,200 | 5,846 |
| Average equity | $7,772,200 | 6,180 |
| Average total loans | $64,565,200 | 5,074 |