Home > Idaho Banking Company > Performance and Condition Ratios
Idaho Banking Company, Performance and Condition Ratios
| 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 | 3.8761% | 4,239 |
| Cost of funding earning assets | 0.4325% | 3,520 |
| Net interest margin | 3.4436% | 4,005 |
| Noninterest income to average assets | 0.9288% | 1,399 |
| Noninterest expense to average assets | 4.2009% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3526% | 6,393 |
| Return on assets (ROA) | -0.3526% | 6,400 |
| Pretax return on assets | -0.3526% | 6,380 |
| Return on Equity (ROE) | -10.3499% | 6,515 |
| Retained earnings to average equity (ytd only) | -10.3499% | 6,424 |
| Net charge-offs to loans | 1.0727% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.5521% | 4,179 |
| Efficiency ratio | 109.1623% | 244 |
| Assets per employee ($millions) | 3.0946% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9426% | 30 |
| Loan loss allowance to noncurrent loans | 101.7938% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 9.1449% | 111 |
| Noncurrent loans to loans | 6.8203% | 184 |
| Net loans and leases to total assets | 53.1214% | 4,630 |
| Net loans and leases to deposits | 55.2537% | 5,260 |
| Net loans and leases to core deposits | 57.3569% | 5,313 |
| Total domestic deposits to total assets | 96.1411% | 16 |
| Equity capital to assets | 3.4493% | 6,623 |
| Core capital (leverage) ratio | 3.3277% | 6,628 |
| Tier 1 risk-based capital ratio | 4.5855% | 6,632 |
| Total risk-based capital ratio | 5.8862% | 6,633 |
| Memoranda: | ||
| Average total assets | $99,263,330 | 4,703 |
| Average earning assets | $84,157,000 | 4,864 |
| Average equity | $3,381,670 | 6,319 |
| Average total loans | $59,101,330 | 4,579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,431 |
| Cost of funding earning assets | 0.4304% | 3,645 |
| Net interest margin | 3.3826% | 4,208 |
| Noninterest income to average assets | 0.8798% | 1,453 |
| Noninterest expense to average assets | 4.2406% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4954% | 6,467 |
| Return on assets (ROA) | -0.4954% | 6,468 |
| Pretax return on assets | -0.4954% | 6,451 |
| Return on Equity (ROE) | -14.6284% | 6,602 |
| Retained earnings to average equity (ytd only) | -14.6284% | 6,459 |
| Net charge-offs to loans | 1.6256% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.5020% | 3,481 |
| Efficiency ratio | 113.2275% | 235 |
| Assets per employee ($millions) | 3.4029% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4155% | 38 |
| Loan loss allowance to noncurrent loans | 76.9078% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 9.6947% | 120 |
| Noncurrent loans to loans | 8.3418% | 149 |
| Net loans and leases to total assets | 55.2989% | 4,235 |
| Net loans and leases to deposits | 57.4316% | 4,993 |
| Net loans and leases to core deposits | 59.4737% | 5,088 |
| Total domestic deposits to total assets | 96.2865% | 17 |
| Equity capital to assets | 3.2903% | 6,688 |
| Core capital (leverage) ratio | 3.3568% | 6,694 |
| Tier 1 risk-based capital ratio | 4.3531% | 6,704 |
| Total risk-based capital ratio | 5.6507% | 6,707 |
| Memoranda: | ||
| Average total assets | $100,928,500 | 4,713 |
| Average earning assets | $85,497,500 | 4,882 |
| Average equity | $3,418,000 | 6,360 |
| Average total loans | $61,270,500 | 4,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,793 |
| Cost of funding earning assets | 0.5236% | 3,362 |
| Net interest margin | 3.5629% | 3,628 |
| Noninterest income to average assets | 1.1578% | 1,054 |
| Noninterest expense to average assets | 4.0779% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0646% | 6,106 |
| Return on assets (ROA) | 0.0646% | 6,155 |
| Pretax return on assets | 0.0646% | 6,135 |
| Return on Equity (ROE) | 1.9806% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.9806% | 4,825 |
| Net charge-offs to loans | 1.0053% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0978% | 5,054 |
| Efficiency ratio | 98.4408% | 531 |
| Assets per employee ($millions) | 3.2184% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6203% | 31 |
| Loan loss allowance to noncurrent loans | 83.0611% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 10.6204% | 115 |
| Noncurrent loans to loans | 7.9704% | 190 |
| Net loans and leases to total assets | 58.2329% | 3,998 |
| Net loans and leases to deposits | 60.5709% | 4,885 |
| Net loans and leases to core deposits | 62.7751% | 4,991 |
| Total domestic deposits to total assets | 96.1401% | 26 |
| Equity capital to assets | 3.4850% | 6,753 |
| Core capital (leverage) ratio | 3.4349% | 6,765 |
| Tier 1 risk-based capital ratio | 4.3912% | 6,775 |
| Total risk-based capital ratio | 5.6909% | 6,778 |
| Memoranda: | ||
| Average total assets | $103,729,400 | 4,656 |
| Average earning assets | $86,895,200 | 4,858 |
| Average equity | $3,382,800 | 6,456 |
| Average total loans | $68,136,800 | 4,338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 3,581 |
| Cost of funding earning assets | 0.5411% | 3,355 |
| Net interest margin | 3.6051% | 3,422 |
| Noninterest income to average assets | 1.0402% | 1,343 |
| Noninterest expense to average assets | 4.1392% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0879% | 6,371 |
| Return on assets (ROA) | -0.0879% | 6,410 |
| Pretax return on assets | -0.0879% | 6,389 |
| Return on Equity (ROE) | -2.7387% | 6,508 |
| Retained earnings to average equity (ytd only) | -2.7387% | 6,333 |
| Net charge-offs to loans | 1.3368% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.0989% | 4,883 |
| Efficiency ratio | 102.1684% | 399 |
| Assets per employee ($millions) | 3.2964% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3883% | 38 |
| Loan loss allowance to noncurrent loans | 82.0216% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 12.2920% | 78 |
| Noncurrent loans to loans | 7.7885% | 234 |
| Net loans and leases to total assets | 58.8797% | 3,873 |
| Net loans and leases to deposits | 61.1575% | 4,853 |
| Net loans and leases to core deposits | 63.3201% | 4,974 |
| Total domestic deposits to total assets | 96.2755% | 21 |
| Equity capital to assets | 3.2724% | 6,838 |
| Core capital (leverage) ratio | 3.2103% | 6,852 |
| Tier 1 risk-based capital ratio | 4.0129% | 6,867 |
| Total risk-based capital ratio | 5.3088% | 6,865 |
| Memoranda: | ||
| Average total assets | $104,719,250 | 4,674 |
| Average earning assets | $87,465,750 | 4,882 |
| Average equity | $3,359,250 | 6,537 |
| Average total loans | $69,616,500 | 4,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 3,371 |
| Cost of funding earning assets | 0.5605% | 3,303 |
| Net interest margin | 3.6389% | 3,213 |
| Noninterest income to average assets | 0.8639% | 1,946 |
| Noninterest expense to average assets | 4.2193% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3050% | 6,552 |
| Return on assets (ROA) | -0.3050% | 6,583 |
| Pretax return on assets | -0.3050% | 6,556 |
| Return on Equity (ROE) | -9.5710% | 6,733 |
| Retained earnings to average equity (ytd only) | -9.5710% | 6,653 |
| Net charge-offs to loans | 0.6219% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.7252% | 4,686 |
| Efficiency ratio | 107.7928% | 313 |
| Assets per employee ($millions) | 3.3596% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7243% | 33 |
| Loan loss allowance to noncurrent loans | 80.3014% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 12.7520% | 89 |
| Noncurrent loans to loans | 8.3738% | 229 |
| Net loans and leases to total assets | 61.0276% | 3,479 |
| Net loans and leases to deposits | 63.2762% | 4,588 |
| Net loans and leases to core deposits | 64.4654% | 4,843 |
| Total domestic deposits to total assets | 96.4464% | 17 |
| Equity capital to assets | 3.0946% | 6,897 |
| Core capital (leverage) ratio | 3.0782% | 6,902 |
| Tier 1 risk-based capital ratio | 3.6876% | 6,918 |
| Total risk-based capital ratio | 4.9877% | 6,918 |
| Memoranda: | ||
| Average total assets | $105,563,000 | 4,687 |
| Average earning assets | $88,488,330 | 4,886 |
| Average equity | $3,364,330 | 6,586 |
| Average total loans | $71,397,330 | 4,260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,992 |
| Cost of funding earning assets | 0.5939% | 3,164 |
| Net interest margin | 3.6840% | 2,920 |
| Noninterest income to average assets | 0.9184% | 1,696 |
| Noninterest expense to average assets | 4.2834% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2597% | 6,553 |
| Return on assets (ROA) | -0.2597% | 6,586 |
| Pretax return on assets | -0.2597% | 6,578 |
| Return on Equity (ROE) | -8.0349% | 6,765 |
| Retained earnings to average equity (ytd only) | -8.0349% | 6,530 |
| Net charge-offs to loans | 1.1667% | 506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3239% | 3,899 |
| Efficiency ratio | 106.4546% | 383 |
| Assets per employee ($millions) | 3.3350% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4146% | 60 |
| Loan loss allowance to noncurrent loans | 92.8976% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 11.8900% | 133 |
| Noncurrent loans to loans | 6.9050% | 435 |
| Net loans and leases to total assets | 62.7624% | 2,925 |
| Net loans and leases to deposits | 67.2591% | 3,877 |
| Net loans and leases to core deposits | 68.5463% | 4,238 |
| Total domestic deposits to total assets | 93.3143% | 101 |
| Equity capital to assets | 3.1878% | 6,972 |
| Core capital (leverage) ratio | 3.1977% | 6,963 |
| Tier 1 risk-based capital ratio | 3.7741% | 6,982 |
| Total risk-based capital ratio | 5.0697% | 6,982 |
| Memoranda: | ||
| Average total assets | $106,270,500 | 4,708 |
| Average earning assets | $89,576,500 | 4,896 |
| Average equity | $3,435,000 | 6,636 |
| Average total loans | $73,025,500 | 4,234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 2,738 |
| Cost of funding earning assets | 0.7705% | 2,909 |
| Net interest margin | 3.8934% | 2,861 |
| Noninterest income to average assets | 0.3117% | 5,224 |
| Noninterest expense to average assets | 4.0528% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4429% | 6,541 |
| Return on assets (ROA) | -0.3393% | 6,519 |
| Pretax return on assets | -0.3393% | 6,499 |
| Return on Equity (ROE) | -10.3204% | 6,729 |
| Retained earnings to average equity (ytd only) | -10.3204% | 6,649 |
| Net charge-offs to loans | 1.6163% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.3755% | 5,639 |
| Efficiency ratio | 112.2698% | 302 |
| Assets per employee ($millions) | 3.4136% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4501% | 51 |
| Loan loss allowance to noncurrent loans | 79.0522% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 12.8944% | 113 |
| Noncurrent loans to loans | 8.1592% | 351 |
| Net loans and leases to total assets | 65.8433% | 2,552 |
| Net loans and leases to deposits | 70.4852% | 3,639 |
| Net loans and leases to core deposits | 71.8406% | 4,061 |
| Total domestic deposits to total assets | 93.4144% | 97 |
| Equity capital to assets | 3.2772% | 7,028 |
| Core capital (leverage) ratio | 3.0998% | 7,028 |
| Tier 1 risk-based capital ratio | 3.7532% | 7,042 |
| Total risk-based capital ratio | 5.0528% | 7,041 |
| Memoranda: | ||
| Average total assets | $115,821,000 | 4,442 |
| Average earning assets | $98,115,600 | 4,631 |
| Average equity | $3,808,000 | 6,609 |
| Average total loans | $84,516,000 | 3,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 2,879 |
| Cost of funding earning assets | 0.8169% | 2,806 |
| Net interest margin | 3.8652% | 3,050 |
| Noninterest income to average assets | 0.8496% | 2,035 |
| Noninterest expense to average assets | 4.6099% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4868% | 6,695 |
| Return on assets (ROA) | -0.3516% | 6,666 |
| Pretax return on assets | -0.3516% | 6,630 |
| Return on Equity (ROE) | -10.6856% | 6,871 |
| Retained earnings to average equity (ytd only) | -10.6856% | 6,830 |
| Net charge-offs to loans | 1.7052% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.3881% | 5,469 |
| Efficiency ratio | 111.8065% | 279 |
| Assets per employee ($millions) | 3.4581% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3634% | 57 |
| Loan loss allowance to noncurrent loans | 60.5774% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 15.7918% | 79 |
| Noncurrent loans to loans | 10.5046% | 223 |
| Net loans and leases to total assets | 65.2082% | 2,799 |
| Net loans and leases to deposits | 69.8458% | 3,911 |
| Net loans and leases to core deposits | 72.4630% | 4,196 |
| Total domestic deposits to total assets | 93.3603% | 88 |
| Equity capital to assets | 3.2371% | 7,128 |
| Core capital (leverage) ratio | 3.2154% | 7,122 |
| Tier 1 risk-based capital ratio | 3.7261% | 7,143 |
| Total risk-based capital ratio | 5.0246% | 7,143 |
| Memoranda: | ||
| Average total assets | $118,321,000 | 4,435 |
| Average earning assets | $100,209,000 | 4,638 |
| Average equity | $3,893,000 | 6,671 |
| Average total loans | $87,025,000 | 3,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 2,415 |
| Cost of funding earning assets | 0.8577% | 2,738 |
| Net interest margin | 3.9657% | 2,653 |
| Noninterest income to average assets | 0.7484% | 2,423 |
| Noninterest expense to average assets | 4.9197% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.8035% | 6,861 |
| Return on assets (ROA) | -0.6031% | 6,805 |
| Pretax return on assets | -0.6031% | 6,775 |
| Return on Equity (ROE) | -18.2354% | 7,018 |
| Retained earnings to average equity (ytd only) | -18.2354% | 6,992 |
| Net charge-offs to loans | 1.5657% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.6862% | 5,267 |
| Efficiency ratio | 119.5211% | 232 |
| Assets per employee ($millions) | 3.3551% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4062% | 66 |
| Loan loss allowance to noncurrent loans | 45.5143% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 17.4298% | 63 |
| Noncurrent loans to loans | 14.0750% | 120 |
| Net loans and leases to total assets | 70.0434% | 1,913 |
| Net loans and leases to deposits | 76.2613% | 2,948 |
| Net loans and leases to core deposits | 79.1634% | 3,345 |
| Total domestic deposits to total assets | 91.8466% | 248 |
| Equity capital to assets | 3.1961% | 7,175 |
| Core capital (leverage) ratio | 3.0774% | 7,175 |
| Tier 1 risk-based capital ratio | 3.5078% | 7,200 |
| Total risk-based capital ratio | 4.8086% | 7,200 |
| Memoranda: | ||
| Average total assets | $119,722,670 | 4,426 |
| Average earning assets | $101,673,000 | 4,633 |
| Average equity | $3,959,330 | 6,695 |
| Average total loans | $89,543,330 | 3,820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 1,930 |
| Cost of funding earning assets | 0.9323% | 2,420 |
| Net interest margin | 4.0566% | 2,268 |
| Noninterest income to average assets | 0.9009% | 1,742 |
| Noninterest expense to average assets | 4.1519% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1861% | 6,024 |
| Return on assets (ROA) | 0.5777% | 4,676 |
| Pretax return on assets | 0.5777% | 5,194 |
| Return on Equity (ROE) | 17.2012% | 641 |
| Retained earnings to average equity (ytd only) | 17.2012% | 297 |
| Net charge-offs to loans | 1.5759% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1579% | 4,291 |
| Efficiency ratio | 95.7111% | 736 |
| Assets per employee ($millions) | 3.3389% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4386% | 60 |
| Loan loss allowance to noncurrent loans | 53.9118% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 16.5089% | 82 |
| Noncurrent loans to loans | 11.9428% | 208 |
| Net loans and leases to total assets | 70.2260% | 1,719 |
| Net loans and leases to deposits | 76.5602% | 2,718 |
| Net loans and leases to core deposits | 80.8391% | 2,965 |
| Total domestic deposits to total assets | 91.7264% | 322 |
| Equity capital to assets | 3.4791% | 7,214 |
| Core capital (leverage) ratio | 3.3763% | 7,217 |
| Tier 1 risk-based capital ratio | 3.7430% | 7,253 |
| Total risk-based capital ratio | 5.0443% | 7,253 |
| Memoranda: | ||
| Average total assets | $122,546,500 | 4,392 |
| Average earning assets | $103,830,500 | 4,603 |
| Average equity | $4,116,000 | 6,687 |
| Average total loans | $91,629,500 | 3,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 3,031 |
| Cost of funding earning assets | 1.6734% | 358 |
| Net interest margin | 3.2953% | 5,818 |
| Noninterest income to average assets | -1.9197% | 7,348 |
| Noninterest expense to average assets | 4.2299% | 786 |
| Loan and lease loss provision to assets | 0.1285% | 5,006 |
| Net operating income to assets | -3.5115% | 7,227 |
| Return on assets (ROA) | -3.1823% | 7,205 |
| Pretax return on assets | -3.1823% | 7,204 |
| Return on Equity (ROE) | -83.3662% | 7,291 |
| Retained earnings to average equity (ytd only) | -83.3662% | 7,291 |
| Net charge-offs to loans | 3.1460% | 286 |
| Credit loss provision to net charge-offs | 5.8421% | 6,037 |
| Earnings coverage of net charge-offs (x) | -1.5378% | 6,253 |
| Efficiency ratio | 499.4078% | 10 |
| Assets per employee ($millions) | 3.4692% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6318% | 63 |
| Loan loss allowance to noncurrent loans | 60.9624% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 16.5761% | 89 |
| Noncurrent loans to loans | 10.8785% | 270 |
| Net loans and leases to total assets | 69.5543% | 2,124 |
| Net loans and leases to deposits | 75.3596% | 3,287 |
| Net loans and leases to core deposits | 81.5882% | 3,238 |
| Total domestic deposits to total assets | 92.2965% | 199 |
| Equity capital to assets | 3.2428% | 7,264 |
| Core capital (leverage) ratio | 2.8815% | 7,274 |
| Tier 1 risk-based capital ratio | 3.4393% | 7,302 |
| Total risk-based capital ratio | 4.7402% | 7,302 |
| Memoranda: | ||
| Average total assets | $159,506,400 | 3,637 |
| Average earning assets | $133,919,400 | 3,855 |
| Average equity | $6,088,800 | 6,132 |
| Average total loans | $111,537,200 | 3,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 3,267 |
| Cost of funding earning assets | 1.8018% | 257 |
| Net interest margin | 3.1641% | 6,249 |
| Noninterest income to average assets | -1.7586% | 7,424 |
| Noninterest expense to average assets | 4.8413% | 424 |
| Loan and lease loss provision to assets | 0.1625% | 4,435 |
| Net operating income to assets | -4.1087% | 7,339 |
| Return on assets (ROA) | -3.7463% | 7,322 |
| Pretax return on assets | -3.7463% | 7,318 |
| Return on Equity (ROE) | -95.4738% | 7,375 |
| Retained earnings to average equity (ytd only) | -95.4738% | 7,375 |
| Net charge-offs to loans | 3.5076% | 220 |
| Credit loss provision to net charge-offs | 6.7081% | 5,690 |
| Earnings coverage of net charge-offs (x) | -1.6286% | 5,998 |
| Efficiency ratio | 540.8326% | 7 |
| Assets per employee ($millions) | 3.8913% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6610% | 56 |
| Loan loss allowance to noncurrent loans | 59.2026% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 16.7102% | 95 |
| Noncurrent loans to loans | 11.2511% | 279 |
| Net loans and leases to total assets | 62.7634% | 3,553 |
| Net loans and leases to deposits | 67.5210% | 4,688 |
| Net loans and leases to core deposits | 74.9962% | 4,321 |
| Total domestic deposits to total assets | 92.9539% | 136 |
| Equity capital to assets | 3.0243% | 7,361 |
| Core capital (leverage) ratio | 2.7996% | 7,358 |
| Tier 1 risk-based capital ratio | 3.5221% | 7,377 |
| Total risk-based capital ratio | 4.8232% | 7,379 |
| Memoranda: | ||
| Average total assets | $168,160,250 | 3,550 |
| Average earning assets | $141,038,250 | 3,743 |
| Average equity | $6,598,500 | 6,028 |
| Average total loans | $116,162,250 | 3,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 2,901 |
| Cost of funding earning assets | 1.5538% | 830 |
| Net interest margin | 3.5011% | 5,161 |
| Noninterest income to average assets | -2.4411% | 7,506 |
| Noninterest expense to average assets | 4.4705% | 614 |
| Loan and lease loss provision to assets | 0.2344% | 3,567 |
| Net operating income to assets | -4.2064% | 7,402 |
| Return on assets (ROA) | -4.0829% | 7,399 |
| Pretax return on assets | -4.0829% | 7,394 |
| Return on Equity (ROE) | -97.7375% | 7,439 |
| Retained earnings to average equity (ytd only) | -97.7375% | 7,437 |
| Net charge-offs to loans | 3.5173% | 253 |
| Credit loss provision to net charge-offs | 9.5750% | 5,250 |
| Earnings coverage of net charge-offs (x) | -1.6226% | 5,693 |
| Efficiency ratio | 896.7890% | 8 |
| Assets per employee ($millions) | 3.3680% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8006% | 61 |
| Loan loss allowance to noncurrent loans | 60.0064% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 15.4321% | 135 |
| Noncurrent loans to loans | 11.3331% | 296 |
| Net loans and leases to total assets | 62.5966% | 3,773 |
| Net loans and leases to deposits | 70.1805% | 4,417 |
| Net loans and leases to core deposits | 77.6981% | 4,090 |
| Total domestic deposits to total assets | 89.1937% | 1,422 |
| Equity capital to assets | 3.5066% | 7,414 |
| Core capital (leverage) ratio | 3.1919% | 7,416 |
| Tier 1 risk-based capital ratio | 4.1394% | 7,427 |
| Total risk-based capital ratio | 5.4447% | 7,426 |
| Memoranda: | ||
| Average total assets | $174,924,330 | 3,449 |
| Average earning assets | $146,868,670 | 3,669 |
| Average equity | $7,307,330 | 5,834 |
| Average total loans | $121,739,670 | 3,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 2,904 |
| Cost of funding earning assets | 1.5787% | 883 |
| Net interest margin | 3.4620% | 5,172 |
| Noninterest income to average assets | -2.0148% | 7,559 |
| Noninterest expense to average assets | 4.2342% | 789 |
| Loan and lease loss provision to assets | 1.2342% | 562 |
| Net operating income to assets | -4.6011% | 7,475 |
| Return on assets (ROA) | -4.5922% | 7,475 |
| Pretax return on assets | -4.5922% | 7,464 |
| Return on Equity (ROE) | -102.3861% | 7,497 |
| Retained earnings to average equity (ytd only) | -102.3861% | 7,492 |
| Net charge-offs to loans | 3.8180% | 246 |
| Credit loss provision to net charge-offs | 45.7166% | 3,842 |
| Earnings coverage of net charge-offs (x) | -1.2471% | 4,922 |
| Efficiency ratio | 488.2051% | 9 |
| Assets per employee ($millions) | 3.4135% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2059% | 54 |
| Loan loss allowance to noncurrent loans | 51.5829% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 17.8991% | 91 |
| Noncurrent loans to loans | 13.9695% | 184 |
| Net loans and leases to total assets | 65.2065% | 3,198 |
| Net loans and leases to deposits | 73.3057% | 3,872 |
| Net loans and leases to core deposits | 85.2901% | 2,991 |
| Total domestic deposits to total assets | 88.9515% | 1,802 |
| Equity capital to assets | 4.0669% | 7,436 |
| Core capital (leverage) ratio | 3.8653% | 7,448 |
| Tier 1 risk-based capital ratio | 4.7224% | 7,468 |
| Total risk-based capital ratio | 6.0316% | 7,468 |
| Memoranda: | ||
| Average total assets | $179,870,000 | 3,388 |
| Average earning assets | $149,741,500 | 3,646 |
| Average equity | $8,067,500 | 5,585 |
| Average total loans | $127,188,000 | 3,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 2,854 |
| Cost of funding earning assets | 1.8384% | 1,035 |
| Net interest margin | 3.5225% | 5,150 |
| Noninterest income to average assets | 0.1592% | 6,584 |
| Noninterest expense to average assets | 4.0195% | 1,131 |
| Loan and lease loss provision to assets | 3.9431% | 164 |
| Net operating income to assets | -4.6865% | 7,511 |
| Return on assets (ROA) | -4.2075% | 7,473 |
| Pretax return on assets | -4.2075% | 7,466 |
| Return on Equity (ROE) | -66.2327% | 7,509 |
| Retained earnings to average equity (ytd only) | -66.2327% | 7,508 |
| Net charge-offs to loans | 4.5890% | 232 |
| Credit loss provision to net charge-offs | 113.0723% | 3,853 |
| Earnings coverage of net charge-offs (x) | -0.2132% | 6,300 |
| Efficiency ratio | 122.6919% | 383 |
| Assets per employee ($millions) | 3.5703% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1748% | 54 |
| Loan loss allowance to noncurrent loans | 50.0899% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 17.5898% | 100 |
| Noncurrent loans to loans | 14.3239% | 187 |
| Net loans and leases to total assets | 66.0216% | 3,464 |
| Net loans and leases to deposits | 75.8489% | 3,867 |
| Net loans and leases to core deposits | 88.7797% | 2,931 |
| Total domestic deposits to total assets | 87.0436% | 2,795 |
| Equity capital to assets | 4.8774% | 7,442 |
| Core capital (leverage) ratio | 4.6720% | 7,443 |
| Tier 1 risk-based capital ratio | 5.7863% | 7,488 |
| Total risk-based capital ratio | 7.0960% | 7,489 |
| Memoranda: | ||
| Average total assets | $207,960,200 | 3,001 |
| Average earning assets | $184,018,000 | 3,077 |
| Average equity | $13,211,000 | 4,326 |
| Average total loans | $158,030,600 | 2,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,301 |
| Cost of funding earning assets | 1.8583% | 1,171 |
| Net interest margin | 3.4519% | 5,488 |
| Noninterest income to average assets | 0.2385% | 6,183 |
| Noninterest expense to average assets | 3.9780% | 1,070 |
| Loan and lease loss provision to assets | 3.9649% | 166 |
| Net operating income to assets | -4.5936% | 7,618 |
| Return on assets (ROA) | -4.0804% | 7,588 |
| Pretax return on assets | -4.0804% | 7,571 |
| Return on Equity (ROE) | -61.1447% | 7,605 |
| Retained earnings to average equity (ytd only) | -61.1447% | 7,604 |
| Net charge-offs to loans | 3.9069% | 321 |
| Credit loss provision to net charge-offs | 131.7154% | 3,063 |
| Earnings coverage of net charge-offs (x) | -0.2089% | 6,181 |
| Efficiency ratio | 118.7733% | 409 |
| Assets per employee ($millions) | 3.0055% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8000% | 70 |
| Loan loss allowance to noncurrent loans | 56.3211% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 16.6390% | 115 |
| Noncurrent loans to loans | 12.0736% | 285 |
| Net loans and leases to total assets | 70.5431% | 2,604 |
| Net loans and leases to deposits | 84.2275% | 2,666 |
| Net loans and leases to core deposits | 106.0843% | 1,316 |
| Total domestic deposits to total assets | 83.7531% | 4,252 |
| Equity capital to assets | 5.9311% | 7,496 |
| Core capital (leverage) ratio | 5.5773% | 7,486 |
| Tier 1 risk-based capital ratio | 6.5540% | 7,578 |
| Total risk-based capital ratio | 7.8608% | 7,580 |
| Memoranda: | ||
| Average total assets | $213,537,000 | 2,997 |
| Average earning assets | $192,429,500 | 3,004 |
| Average equity | $14,250,000 | 4,148 |
| Average total loans | $164,527,000 | 2,595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 3,731 |
| Cost of funding earning assets | 1.8690% | 1,343 |
| Net interest margin | 3.3778% | 5,725 |
| Noninterest income to average assets | -0.0310% | 7,571 |
| Noninterest expense to average assets | 3.8216% | 1,328 |
| Loan and lease loss provision to assets | 5.3280% | 92 |
| Net operating income to assets | -6.0976% | 7,742 |
| Return on assets (ROA) | -5.5138% | 7,721 |
| Pretax return on assets | -5.5138% | 7,704 |
| Return on Equity (ROE) | -79.9859% | 7,700 |
| Retained earnings to average equity (ytd only) | -79.9859% | 7,698 |
| Net charge-offs to loans | 5.1364% | 196 |
| Credit loss provision to net charge-offs | 133.9286% | 3,001 |
| Earnings coverage of net charge-offs (x) | -0.1935% | 5,871 |
| Efficiency ratio | 125.2164% | 354 |
| Assets per employee ($millions) | 2.9923% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3629% | 86 |
| Loan loss allowance to noncurrent loans | 62.6557% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 12.5933% | 241 |
| Noncurrent loans to loans | 10.1554% | 437 |
| Net loans and leases to total assets | 70.3132% | 2,835 |
| Net loans and leases to deposits | 81.4478% | 3,352 |
| Net loans and leases to core deposits | 103.6950% | 1,670 |
| Total domestic deposits to total assets | 86.3291% | 2,916 |
| Equity capital to assets | 5.7548% | 7,568 |
| Core capital (leverage) ratio | 5.4217% | 7,562 |
| Tier 1 risk-based capital ratio | 6.5926% | 7,630 |
| Total risk-based capital ratio | 7.8969% | 7,632 |
| Memoranda: | ||
| Average total assets | $219,596,000 | 2,944 |
| Average earning assets | $200,429,000 | 2,945 |
| Average equity | $15,137,670 | 3,965 |
| Average total loans | $170,080,000 | 2,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 3,615 |
| Cost of funding earning assets | 1.8739% | 1,556 |
| Net interest margin | 3.4116% | 5,532 |
| Noninterest income to average assets | -0.1620% | 7,788 |
| Noninterest expense to average assets | 3.6339% | 1,657 |
| Loan and lease loss provision to assets | 4.7182% | 173 |
| Net operating income to assets | -5.3698% | 7,800 |
| Return on assets (ROA) | -4.7520% | 7,777 |
| Pretax return on assets | -4.7520% | 7,745 |
| Return on Equity (ROE) | -64.0067% | 7,753 |
| Retained earnings to average equity (ytd only) | -64.0067% | 7,745 |
| Net charge-offs to loans | 3.2820% | 450 |
| Credit loss provision to net charge-offs | 183.0110% | 2,000 |
| Earnings coverage of net charge-offs (x) | -0.2528% | 5,186 |
| Efficiency ratio | 121.8507% | 422 |
| Assets per employee ($millions) | 3.1118% | 5,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7649% | 116 |
| Loan loss allowance to noncurrent loans | 46.3857% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 11.7580% | 280 |
| Noncurrent loans to loans | 12.4282% | 269 |
| Net loans and leases to total assets | 71.9733% | 2,454 |
| Net loans and leases to deposits | 83.9858% | 2,946 |
| Net loans and leases to core deposits | 111.1207% | 1,213 |
| Total domestic deposits to total assets | 85.6970% | 3,315 |
| Equity capital to assets | 6.9702% | 7,387 |
| Core capital (leverage) ratio | 6.6651% | 7,405 |
| Tier 1 risk-based capital ratio | 8.0768% | 7,602 |
| Total risk-based capital ratio | 9.3759% | 7,605 |
| Memoranda: | ||
| Average total assets | $224,664,000 | 2,933 |
| Average earning assets | $207,056,000 | 2,911 |
| Average equity | $16,679,500 | 3,722 |
| Average total loans | $176,477,000 | 2,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8171% | 2,590 |
| Cost of funding earning assets | 2.0663% | 2,648 |
| Net interest margin | 3.7509% | 3,909 |
| Noninterest income to average assets | 0.4999% | 4,415 |
| Noninterest expense to average assets | 3.3504% | 2,832 |
| Loan and lease loss provision to assets | 4.7691% | 225 |
| Net operating income to assets | -4.5937% | 7,687 |
| Return on assets (ROA) | -4.7365% | 7,705 |
| Pretax return on assets | -4.2858% | 7,594 |
| Return on Equity (ROE) | -49.6885% | 7,680 |
| Retained earnings to average equity (ytd only) | -51.4661% | 7,689 |
| Net charge-offs to loans | 3.7160% | 498 |
| Credit loss provision to net charge-offs | 154.5367% | 2,952 |
| Earnings coverage of net charge-offs (x) | 0.2029% | 5,937 |
| Efficiency ratio | 84.2548% | 2,320 |
| Assets per employee ($millions) | 3.2627% | 5,583 |
| Cash dividends to net income (ytd only)* | -3.5775% | 7,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6284% | 225 |
| Loan loss allowance to noncurrent loans | 38.0676% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 10.9178% | 311 |
| Noncurrent loans to loans | 12.1585% | 273 |
| Net loans and leases to total assets | 76.9227% | 1,598 |
| Net loans and leases to deposits | 90.5470% | 2,136 |
| Net loans and leases to core deposits | 103.0786% | 3,679 |
| Total domestic deposits to total assets | 84.9533% | 3,569 |
| Equity capital to assets | 7.8633% | 6,706 |
| Core capital (leverage) ratio | 7.4839% | 6,803 |
| Tier 1 risk-based capital ratio | 8.8427% | 7,523 |
| Total risk-based capital ratio | 10.1299% | 7,535 |
| Memoranda: | ||
| Average total assets | $236,060,000 | 2,754 |
| Average earning assets | $218,801,800 | 2,718 |
| Average equity | $22,502,200 | 2,888 |
| Average total loans | $196,041,600 | 2,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9116% | 2,399 |
| Cost of funding earning assets | 2.0870% | 2,947 |
| Net interest margin | 3.8246% | 3,555 |
| Noninterest income to average assets | 0.5709% | 3,914 |
| Noninterest expense to average assets | 3.5465% | 2,155 |
| Loan and lease loss provision to assets | 4.7622% | 194 |
| Net operating income to assets | -3.9922% | 7,751 |
| Return on assets (ROA) | -3.9885% | 7,751 |
| Pretax return on assets | -4.1835% | 7,716 |
| Return on Equity (ROE) | -40.1547% | 7,751 |
| Retained earnings to average equity (ytd only) | -42.4109% | 7,770 |
| Net charge-offs to loans | 3.0472% | 537 |
| Credit loss provision to net charge-offs | 186.8953% | 2,438 |
| Earnings coverage of net charge-offs (x) | 0.2256% | 5,792 |
| Efficiency ratio | 86.0522% | 2,064 |
| Assets per employee ($millions) | 2.9896% | 6,186 |
| Cash dividends to net income (ytd only)* | -5.6188% | 7,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3259% | 233 |
| Loan loss allowance to noncurrent loans | 43.5083% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 8.8715% | 442 |
| Noncurrent loans to loans | 9.9427% | 400 |
| Net loans and leases to total assets | 78.6471% | 1,458 |
| Net loans and leases to deposits | 94.7092% | 1,765 |
| Net loans and leases to core deposits | 105.6640% | 3,740 |
| Total domestic deposits to total assets | 83.0406% | 4,199 |
| Equity capital to assets | 9.0513% | 5,411 |
| Core capital (leverage) ratio | 9.2135% | 4,316 |
| Tier 1 risk-based capital ratio | 9.5892% | 7,310 |
| Total risk-based capital ratio | 10.8710% | 7,255 |
| Memoranda: | ||
| Average total assets | $237,977,750 | 2,751 |
| Average earning assets | $220,916,250 | 2,709 |
| Average equity | $23,638,000 | 2,796 |
| Average total loans | $198,999,750 | 2,328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0269% | 2,070 |
| Cost of funding earning assets | 2.1271% | 3,151 |
| Net interest margin | 3.8998% | 3,116 |
| Noninterest income to average assets | 0.5716% | 3,888 |
| Noninterest expense to average assets | 3.5559% | 2,175 |
| Loan and lease loss provision to assets | 5.8086% | 150 |
| Net operating income to assets | -4.8775% | 7,921 |
| Return on assets (ROA) | -4.8775% | 7,920 |
| Pretax return on assets | -5.1705% | 7,881 |
| Return on Equity (ROE) | -47.6846% | 7,901 |
| Retained earnings to average equity (ytd only) | -49.3306% | 7,902 |
| Net charge-offs to loans | 3.8739% | 370 |
| Credit loss provision to net charge-offs | 178.2946% | 2,572 |
| Earnings coverage of net charge-offs (x) | 0.1959% | 5,477 |
| Efficiency ratio | 84.7852% | 2,384 |
| Assets per employee ($millions) | 2.8395% | 6,541 |
| Cash dividends to net income (ytd only)* | -3.4518% | 7,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8622% | 290 |
| Loan loss allowance to noncurrent loans | 52.2713% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 6.8477% | 641 |
| Noncurrent loans to loans | 7.3887% | 639 |
| Net loans and leases to total assets | 81.0691% | 1,123 |
| Net loans and leases to deposits | 98.8127% | 1,422 |
| Net loans and leases to core deposits | 110.2591% | 3,350 |
| Total domestic deposits to total assets | 82.0432% | 4,681 |
| Equity capital to assets | 9.7850% | 4,234 |
| Core capital (leverage) ratio | 9.8702% | 3,429 |
| Tier 1 risk-based capital ratio | 10.2504% | 6,652 |
| Total risk-based capital ratio | 11.5270% | 6,554 |
| Memoranda: | ||
| Average total assets | $237,580,000 | 2,774 |
| Average earning assets | $220,677,000 | 2,738 |
| Average equity | $24,301,330 | 2,724 |
| Average total loans | $199,797,670 | 2,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2161% | 1,550 |
| Cost of funding earning assets | 2.2011% | 3,163 |
| Net interest margin | 4.0150% | 2,585 |
| Noninterest income to average assets | 0.7885% | 2,392 |
| Noninterest expense to average assets | 3.5707% | 1,927 |
| Loan and lease loss provision to assets | 1.1669% | 1,113 |
| Net operating income to assets | -0.1000% | 6,409 |
| Return on assets (ROA) | -0.1000% | 6,528 |
| Pretax return on assets | -0.2150% | 6,588 |
| Return on Equity (ROE) | -0.9577% | 6,532 |
| Retained earnings to average equity (ytd only) | -0.9577% | 5,876 |
| Net charge-offs to loans | 2.2528% | 644 |
| Credit loss provision to net charge-offs | 61.6740% | 4,486 |
| Earnings coverage of net charge-offs (x) | 0.5031% | 4,583 |
| Efficiency ratio | 78.9532% | 3,013 |
| Assets per employee ($millions) | 2.8082% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 1,182 |
| Loan loss allowance to noncurrent loans | 53.9217% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 3.9969% | 1,288 |
| Noncurrent loans to loans | 3.9487% | 1,534 |
| Net loans and leases to total assets | 81.2114% | 1,152 |
| Net loans and leases to deposits | 103.6990% | 1,028 |
| Net loans and leases to core deposits | 118.4466% | 2,555 |
| Total domestic deposits to total assets | 78.3146% | 5,922 |
| Equity capital to assets | 12.2856% | 2,083 |
| Core capital (leverage) ratio | 11.9962% | 1,902 |
| Tier 1 risk-based capital ratio | 12.8233% | 4,307 |
| Total risk-based capital ratio | 14.0809% | 4,223 |
| Memoranda: | ||
| Average total assets | $239,952,000 | 2,766 |
| Average earning assets | $223,162,500 | 2,729 |
| Average equity | $25,060,500 | 2,644 |
| Average total loans | $201,526,000 | 2,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8197% | 1,612 |
| Cost of funding earning assets | 2.7896% | 2,748 |
| Net interest margin | 4.0301% | 2,979 |
| Noninterest income to average assets | 0.4744% | 4,841 |
| Noninterest expense to average assets | 3.4317% | 2,573 |
| Loan and lease loss provision to assets | 1.9647% | 618 |
| Net operating income to assets | -0.6788% | 7,052 |
| Return on assets (ROA) | -0.6788% | 6,953 |
| Pretax return on assets | -1.1457% | 7,088 |
| Return on Equity (ROE) | -6.9165% | 7,039 |
| Retained earnings to average equity (ytd only) | -6.9590% | 6,781 |
| Net charge-offs to loans | 1.4093% | 834 |
| Credit loss provision to net charge-offs | 169.4494% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.7064% | 5,800 |
| Efficiency ratio | 80.7322% | 2,493 |
| Assets per employee ($millions) | 2.9038% | 6,291 |
| Cash dividends to net income (ytd only)* | -0.6146% | 7,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 976 |
| Loan loss allowance to noncurrent loans | 41.7477% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 4.7847% | 754 |
| Noncurrent loans to loans | 5.2021% | 819 |
| Net loans and leases to total assets | 83.0929% | 1,031 |
| Net loans and leases to deposits | 110.5324% | 801 |
| Net loans and leases to core deposits | 123.8010% | 2,340 |
| Total domestic deposits to total assets | 75.1752% | 6,415 |
| Equity capital to assets | 8.7049% | 5,802 |
| Core capital (leverage) ratio | 9.1787% | 4,475 |
| Tier 1 risk-based capital ratio | 9.4213% | 7,393 |
| Total risk-based capital ratio | 10.6800% | 7,301 |
| Memoranda: | ||
| Average total assets | $239,675,600 | 2,658 |
| Average earning assets | $224,585,200 | 2,605 |
| Average equity | $23,523,400 | 2,786 |
| Average total loans | $197,195,600 | 2,327 |