Home > Independent Banker's Bank of Florida > Performance and Condition Ratios
Independent Banker's Bank of Florida, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 5,886 |
| Cost of funding earning assets | 1.4235% | 19 |
| Net interest margin | 1.5505% | 6,278 |
| Noninterest income to average assets | 2.3898% | 287 |
| Noninterest expense to average assets | 5.8469% | 188 |
| Loan and lease loss provision to assets | -1.0342% | 6,327 |
| Net operating income to assets | -1.1432% | 6,271 |
| Return on assets (ROA) | -1.1432% | 6,271 |
| Pretax return on assets | -1.1432% | 6,265 |
| Return on Equity (ROE) | -27.0444% | 6,311 |
| Retained earnings to average equity (ytd only) | -27.0444% | 6,294 |
| Net charge-offs to loans | 1.2064% | 152 |
| Credit loss provision to net charge-offs | -178.5714% | 5,015 |
| Earnings coverage of net charge-offs (x) | -3.7595% | 3,813 |
| Efficiency ratio | 159.3386% | 35 |
| Assets per employee ($millions) | 5.1100% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2035% | 92 |
| Loan loss allowance to noncurrent loans | 26.0699% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 8.9774% | 74 |
| Noncurrent loans to loans | 16.1238% | 18 |
| Net loans and leases to total assets | 46.0857% | 5,236 |
| Net loans and leases to deposits | 73.6932% | 3,526 |
| Net loans and leases to core deposits | 73.6932% | 3,979 |
| Total domestic deposits to total assets | 62.5372% | 6,220 |
| Equity capital to assets | 3.8726% | 6,320 |
| Core capital (leverage) ratio | 4.2357% | 6,315 |
| Tier 1 risk-based capital ratio | 7.4641% | 6,295 |
| Total risk-based capital ratio | 8.7407% | 6,295 |
| Memoranda: | ||
| Average total assets | $145,034,670 | 3,708 |
| Average earning assets | $119,706,000 | 3,949 |
| Average equity | $6,130,670 | 5,521 |
| Average total loans | $69,630,670 | 4,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8472% | 6,033 |
| Cost of funding earning assets | 1.3760% | 28 |
| Net interest margin | 1.4712% | 6,351 |
| Noninterest income to average assets | 2.3208% | 300 |
| Noninterest expense to average assets | 5.6082% | 213 |
| Loan and lease loss provision to assets | -2.0193% | 6,412 |
| Net operating income to assets | -0.0619% | 6,067 |
| Return on assets (ROA) | -0.0619% | 6,101 |
| Pretax return on assets | -0.0619% | 6,091 |
| Return on Equity (ROE) | -1.4101% | 6,146 |
| Retained earnings to average equity (ytd only) | -1.4101% | 5,603 |
| Net charge-offs to loans | 2.4867% | 61 |
| Credit loss provision to net charge-offs | -169.3002% | 4,579 |
| Earnings coverage of net charge-offs (x) | -1.7449% | 3,199 |
| Efficiency ratio | 159.0076% | 38 |
| Assets per employee ($millions) | 5.3042% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0339% | 125 |
| Loan loss allowance to noncurrent loans | 25.1226% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 8.9398% | 82 |
| Noncurrent loans to loans | 16.0570% | 21 |
| Net loans and leases to total assets | 45.9637% | 5,202 |
| Net loans and leases to deposits | 71.0273% | 3,638 |
| Net loans and leases to core deposits | 71.0273% | 4,062 |
| Total domestic deposits to total assets | 64.7127% | 6,264 |
| Equity capital to assets | 4.6797% | 6,383 |
| Core capital (leverage) ratio | 4.5772% | 6,379 |
| Tier 1 risk-based capital ratio | 8.1520% | 6,351 |
| Total risk-based capital ratio | 9.4259% | 6,349 |
| Memoranda: | ||
| Average total assets | $148,567,500 | 3,676 |
| Average earning assets | $121,802,500 | 3,940 |
| Average equity | $6,524,500 | 5,494 |
| Average total loans | $71,259,000 | 4,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1827% | 5,853 |
| Cost of funding earning assets | 1.2393% | 70 |
| Net interest margin | 1.9434% | 6,381 |
| Noninterest income to average assets | 2.7378% | 213 |
| Noninterest expense to average assets | 5.2286% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8643% | 6,355 |
| Return on assets (ROA) | -0.8643% | 6,355 |
| Pretax return on assets | -0.8643% | 6,347 |
| Return on Equity (ROE) | -22.8301% | 6,452 |
| Retained earnings to average equity (ytd only) | -22.8301% | 6,440 |
| Net charge-offs to loans | 0.0134% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -122.8333% | 4,961 |
| Efficiency ratio | 119.8038% | 130 |
| Assets per employee ($millions) | 5.4972% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3568% | 61 |
| Loan loss allowance to noncurrent loans | 33.6049% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 8.8181% | 100 |
| Noncurrent loans to loans | 15.9405% | 18 |
| Net loans and leases to total assets | 45.4548% | 5,371 |
| Net loans and leases to deposits | 68.4616% | 4,082 |
| Net loans and leases to core deposits | 68.4616% | 4,455 |
| Total domestic deposits to total assets | 66.3947% | 6,315 |
| Equity capital to assets | 4.1235% | 6,476 |
| Core capital (leverage) ratio | 4.2584% | 6,475 |
| Tier 1 risk-based capital ratio | 8.2941% | 6,434 |
| Total risk-based capital ratio | 9.5871% | 6,435 |
| Memoranda: | ||
| Average total assets | $170,541,400 | 3,331 |
| Average earning assets | $142,738,800 | 3,557 |
| Average equity | $6,456,400 | 5,539 |
| Average total loans | $89,705,200 | 3,637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2285% | 5,871 |
| Cost of funding earning assets | 1.2012% | 89 |
| Net interest margin | 2.0274% | 6,441 |
| Noninterest income to average assets | 2.8124% | 208 |
| Noninterest expense to average assets | 5.1616% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6449% | 6,405 |
| Return on assets (ROA) | -0.6449% | 6,405 |
| Pretax return on assets | -0.6449% | 6,392 |
| Return on Equity (ROE) | -17.3764% | 6,496 |
| Retained earnings to average equity (ytd only) | -17.3764% | 6,469 |
| Net charge-offs to loans | -0.1637% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2785% | 179 |
| Assets per employee ($millions) | 5.8948% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9067% | 89 |
| Loan loss allowance to noncurrent loans | 24.3622% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 12.5475% | 56 |
| Noncurrent loans to loans | 20.1407% | 11 |
| Net loans and leases to total assets | 47.9888% | 5,204 |
| Net loans and leases to deposits | 69.2163% | 4,005 |
| Net loans and leases to core deposits | 69.2163% | 4,395 |
| Total domestic deposits to total assets | 69.3317% | 6,303 |
| Equity capital to assets | 3.9696% | 6,554 |
| Core capital (leverage) ratio | 4.5058% | 6,544 |
| Tier 1 risk-based capital ratio | 7.8234% | 6,512 |
| Total risk-based capital ratio | 9.1102% | 6,513 |
| Memoranda: | ||
| Average total assets | $174,696,250 | 3,298 |
| Average earning assets | $146,852,750 | 3,523 |
| Average equity | $6,483,750 | 5,581 |
| Average total loans | $93,650,250 | 3,594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,927 |
| Cost of funding earning assets | 1.1574% | 106 |
| Net interest margin | 2.0588% | 6,501 |
| Noninterest income to average assets | 2.7115% | 219 |
| Noninterest expense to average assets | 5.2285% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7633% | 6,498 |
| Return on assets (ROA) | -0.7633% | 6,497 |
| Pretax return on assets | -0.7633% | 6,483 |
| Return on Equity (ROE) | -21.0184% | 6,577 |
| Retained earnings to average equity (ytd only) | -21.0184% | 6,538 |
| Net charge-offs to loans | -0.4675% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0947% | 161 |
| Assets per employee ($millions) | 5.8250% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5772% | 110 |
| Loan loss allowance to noncurrent loans | 22.5619% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 14.8664% | 39 |
| Noncurrent loans to loans | 20.2873% | 9 |
| Net loans and leases to total assets | 51.8206% | 4,759 |
| Net loans and leases to deposits | 74.1056% | 3,301 |
| Net loans and leases to core deposits | 74.1056% | 3,826 |
| Total domestic deposits to total assets | 69.9281% | 6,356 |
| Equity capital to assets | 4.0326% | 6,612 |
| Core capital (leverage) ratio | 4.3871% | 6,605 |
| Tier 1 risk-based capital ratio | 7.2789% | 6,586 |
| Total risk-based capital ratio | 8.5626% | 6,584 |
| Memoranda: | ||
| Average total assets | $177,910,670 | 3,274 |
| Average earning assets | $151,544,000 | 3,456 |
| Average equity | $6,461,000 | 5,611 |
| Average total loans | $97,102,330 | 3,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 5,813 |
| Cost of funding earning assets | 1.1133% | 152 |
| Net interest margin | 2.2007% | 6,524 |
| Noninterest income to average assets | 2.4627% | 246 |
| Noninterest expense to average assets | 5.5043% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1732% | 6,597 |
| Return on assets (ROA) | -1.1732% | 6,593 |
| Pretax return on assets | -1.1732% | 6,585 |
| Return on Equity (ROE) | -34.0466% | 6,672 |
| Retained earnings to average equity (ytd only) | -34.0466% | 6,634 |
| Net charge-offs to loans | -0.2646% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0886% | 139 |
| Assets per employee ($millions) | 6.1045% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1591% | 168 |
| Loan loss allowance to noncurrent loans | 21.4297% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 14.8533% | 45 |
| Noncurrent loans to loans | 19.4080% | 20 |
| Net loans and leases to total assets | 52.5620% | 4,601 |
| Net loans and leases to deposits | 73.4391% | 3,135 |
| Net loans and leases to core deposits | 73.4391% | 3,705 |
| Total domestic deposits to total assets | 71.5722% | 6,384 |
| Equity capital to assets | 3.5593% | 6,682 |
| Core capital (leverage) ratio | 4.1826% | 6,672 |
| Tier 1 risk-based capital ratio | 6.8976% | 6,656 |
| Total risk-based capital ratio | 8.1757% | 6,655 |
| Memoranda: | ||
| Average total assets | $182,403,500 | 3,252 |
| Average earning assets | $154,860,000 | 3,419 |
| Average equity | $6,285,500 | 5,692 |
| Average total loans | $99,785,000 | 3,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8538% | 6,464 |
| Cost of funding earning assets | 0.9747% | 516 |
| Net interest margin | 1.8791% | 6,671 |
| Noninterest income to average assets | 2.3018% | 322 |
| Noninterest expense to average assets | 5.3601% | 270 |
| Loan and lease loss provision to assets | 1.7174% | 63 |
| Net operating income to assets | -3.1692% | 6,768 |
| Return on assets (ROA) | -3.1692% | 6,765 |
| Pretax return on assets | -3.1692% | 6,765 |
| Return on Equity (ROE) | -66.8173% | 6,792 |
| Retained earnings to average equity (ytd only) | -66.8173% | 6,790 |
| Net charge-offs to loans | 4.0851% | 37 |
| Credit loss provision to net charge-offs | 77.1889% | 3,111 |
| Earnings coverage of net charge-offs (x) | -0.6525% | 5,226 |
| Efficiency ratio | 137.1452% | 91 |
| Assets per employee ($millions) | 6.0573% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8758% | 221 |
| Loan loss allowance to noncurrent loans | 17.3905% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 16.9122% | 31 |
| Noncurrent loans to loans | 22.2871% | 11 |
| Net loans and leases to total assets | 52.4609% | 4,794 |
| Net loans and leases to deposits | 71.9727% | 3,524 |
| Net loans and leases to core deposits | 72.1572% | 4,049 |
| Total domestic deposits to total assets | 72.8900% | 6,366 |
| Equity capital to assets | 3.3391% | 6,756 |
| Core capital (leverage) ratio | 4.1335% | 6,747 |
| Tier 1 risk-based capital ratio | 6.9737% | 6,730 |
| Total risk-based capital ratio | 8.2485% | 6,730 |
| Memoranda: | ||
| Average total assets | $214,568,400 | 2,865 |
| Average earning assets | $183,442,600 | 3,035 |
| Average equity | $10,177,000 | 4,803 |
| Average total loans | $116,864,400 | 3,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8539% | 6,528 |
| Cost of funding earning assets | 0.9466% | 657 |
| Net interest margin | 1.9073% | 6,746 |
| Noninterest income to average assets | 2.4013% | 310 |
| Noninterest expense to average assets | 5.1352% | 312 |
| Loan and lease loss provision to assets | 2.9436% | 15 |
| Net operating income to assets | -4.0433% | 6,872 |
| Return on assets (ROA) | -4.0433% | 6,872 |
| Pretax return on assets | -4.0433% | 6,870 |
| Return on Equity (ROE) | -80.2102% | 6,876 |
| Retained earnings to average equity (ytd only) | -80.2102% | 6,873 |
| Net charge-offs to loans | 6.6919% | 13 |
| Credit loss provision to net charge-offs | 80.7972% | 2,831 |
| Earnings coverage of net charge-offs (x) | -0.3019% | 4,928 |
| Efficiency ratio | 127.2510% | 137 |
| Assets per employee ($millions) | 6.6716% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5974% | 307 |
| Loan loss allowance to noncurrent loans | 16.5444% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 15.2118% | 49 |
| Noncurrent loans to loans | 21.7437% | 15 |
| Net loans and leases to total assets | 50.5333% | 5,074 |
| Net loans and leases to deposits | 67.0183% | 4,175 |
| Net loans and leases to core deposits | 67.1690% | 4,606 |
| Total domestic deposits to total assets | 75.4023% | 6,237 |
| Equity capital to assets | 3.3285% | 6,836 |
| Core capital (leverage) ratio | 3.8713% | 6,831 |
| Tier 1 risk-based capital ratio | 6.7537% | 6,812 |
| Total risk-based capital ratio | 8.0268% | 6,812 |
| Memoranda: | ||
| Average total assets | $221,266,500 | 2,824 |
| Average earning assets | $189,582,250 | 2,978 |
| Average equity | $11,153,750 | 4,659 |
| Average total loans | $120,460,250 | 3,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9034% | 6,530 |
| Cost of funding earning assets | 0.9284% | 781 |
| Net interest margin | 1.9750% | 6,775 |
| Noninterest income to average assets | 2.0692% | 423 |
| Noninterest expense to average assets | 5.1672% | 318 |
| Loan and lease loss provision to assets | 1.8719% | 61 |
| Net operating income to assets | -3.2855% | 6,904 |
| Return on assets (ROA) | -3.2855% | 6,904 |
| Pretax return on assets | -3.2855% | 6,898 |
| Return on Equity (ROE) | -59.0602% | 6,917 |
| Retained earnings to average equity (ytd only) | -59.0602% | 6,913 |
| Net charge-offs to loans | 7.6850% | 13 |
| Credit loss provision to net charge-offs | 44.2400% | 3,336 |
| Earnings coverage of net charge-offs (x) | -0.3341% | 4,640 |
| Efficiency ratio | 137.6620% | 105 |
| Assets per employee ($millions) | 6.8377% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 1,677 |
| Loan loss allowance to noncurrent loans | 9.7674% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 14.9850% | 60 |
| Noncurrent loans to loans | 21.2960% | 16 |
| Net loans and leases to total assets | 51.5061% | 4,929 |
| Net loans and leases to deposits | 68.3345% | 3,966 |
| Net loans and leases to core deposits | 68.5632% | 4,442 |
| Total domestic deposits to total assets | 75.3735% | 6,321 |
| Equity capital to assets | 4.2636% | 6,858 |
| Core capital (leverage) ratio | 5.0572% | 6,826 |
| Tier 1 risk-based capital ratio | 8.5245% | 6,787 |
| Total risk-based capital ratio | 9.7816% | 6,788 |
| Memoranda: | ||
| Average total assets | $226,082,000 | 2,781 |
| Average earning assets | $192,809,670 | 2,960 |
| Average equity | $12,577,000 | 4,410 |
| Average total loans | $124,476,000 | 2,979 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 6,523 |
| Cost of funding earning assets | 0.9125% | 933 |
| Net interest margin | 2.0803% | 6,820 |
| Noninterest income to average assets | 2.2654% | 363 |
| Noninterest expense to average assets | 5.2394% | 312 |
| Loan and lease loss provision to assets | 3.3589% | 22 |
| Net operating income to assets | -4.5586% | 6,994 |
| Return on assets (ROA) | -4.5586% | 6,994 |
| Pretax return on assets | -4.5586% | 6,993 |
| Return on Equity (ROE) | -73.7413% | 6,989 |
| Retained earnings to average equity (ytd only) | -73.7413% | 6,987 |
| Net charge-offs to loans | 7.5344% | 24 |
| Credit loss provision to net charge-offs | 79.2848% | 2,162 |
| Earnings coverage of net charge-offs (x) | -0.2832% | 3,890 |
| Efficiency ratio | 129.6983% | 153 |
| Assets per employee ($millions) | 6.9300% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6959% | 360 |
| Loan loss allowance to noncurrent loans | 17.0802% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 15.4060% | 69 |
| Noncurrent loans to loans | 21.6383% | 19 |
| Net loans and leases to total assets | 51.9231% | 4,715 |
| Net loans and leases to deposits | 69.1637% | 3,616 |
| Net loans and leases to core deposits | 69.3860% | 4,147 |
| Total domestic deposits to total assets | 75.0728% | 6,450 |
| Equity capital to assets | 5.5612% | 6,858 |
| Core capital (leverage) ratio | 5.3763% | 6,855 |
| Tier 1 risk-based capital ratio | 8.8965% | 6,816 |
| Total risk-based capital ratio | 10.1712% | 6,820 |
| Memoranda: | ||
| Average total assets | $229,720,500 | 2,777 |
| Average earning assets | $195,937,000 | 2,948 |
| Average equity | $14,201,000 | 4,157 |
| Average total loans | $129,168,000 | 2,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 6,599 |
| Cost of funding earning assets | 0.8080% | 2,605 |
| Net interest margin | 2.4758% | 6,726 |
| Noninterest income to average assets | 2.2043% | 380 |
| Noninterest expense to average assets | 4.9153% | 400 |
| Loan and lease loss provision to assets | 1.0063% | 410 |
| Net operating income to assets | -1.6024% | 6,877 |
| Return on assets (ROA) | -1.3136% | 6,832 |
| Pretax return on assets | -1.3136% | 6,805 |
| Return on Equity (ROE) | -18.6116% | 6,863 |
| Retained earnings to average equity (ytd only) | -18.6116% | 6,824 |
| Net charge-offs to loans | 5.8812% | 20 |
| Credit loss provision to net charge-offs | 28.4027% | 5,147 |
| Earnings coverage of net charge-offs (x) | -0.1683% | 5,561 |
| Efficiency ratio | 113.8020% | 278 |
| Assets per employee ($millions) | 6.5929% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7479% | 342 |
| Loan loss allowance to noncurrent loans | 15.5164% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 17.8695% | 46 |
| Noncurrent loans to loans | 24.1543% | 13 |
| Net loans and leases to total assets | 56.3269% | 4,231 |
| Net loans and leases to deposits | 76.0386% | 2,803 |
| Net loans and leases to core deposits | 76.3737% | 3,483 |
| Total domestic deposits to total assets | 74.0768% | 6,521 |
| Equity capital to assets | 6.7969% | 6,803 |
| Core capital (leverage) ratio | 6.3380% | 6,820 |
| Tier 1 risk-based capital ratio | 10.0248% | 6,694 |
| Total risk-based capital ratio | 11.3003% | 6,656 |
| Memoranda: | ||
| Average total assets | $241,390,800 | 2,621 |
| Average earning assets | $206,195,200 | 2,789 |
| Average equity | $17,037,800 | 3,626 |
| Average total loans | $145,413,200 | 2,643 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 6,690 |
| Cost of funding earning assets | 0.7790% | 3,121 |
| Net interest margin | 2.5626% | 6,785 |
| Noninterest income to average assets | 2.2295% | 361 |
| Noninterest expense to average assets | 5.3654% | 294 |
| Loan and lease loss provision to assets | 1.7777% | 160 |
| Net operating income to assets | -2.7283% | 7,103 |
| Return on assets (ROA) | -2.4798% | 7,091 |
| Pretax return on assets | -2.4798% | 7,076 |
| Return on Equity (ROE) | -34.8283% | 7,082 |
| Retained earnings to average equity (ytd only) | -34.8283% | 7,074 |
| Net charge-offs to loans | 5.3942% | 30 |
| Credit loss provision to net charge-offs | 54.3420% | 4,297 |
| Earnings coverage of net charge-offs (x) | -0.2906% | 5,441 |
| Efficiency ratio | 121.5320% | 185 |
| Assets per employee ($millions) | 6.5452% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8662% | 72 |
| Loan loss allowance to noncurrent loans | 20.9231% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 19.1479% | 44 |
| Noncurrent loans to loans | 28.0369% | 11 |
| Net loans and leases to total assets | 54.5182% | 4,666 |
| Net loans and leases to deposits | 71.9854% | 3,612 |
| Net loans and leases to core deposits | 72.2732% | 4,214 |
| Total domestic deposits to total assets | 75.7351% | 6,425 |
| Equity capital to assets | 5.9928% | 6,987 |
| Core capital (leverage) ratio | 5.6331% | 6,971 |
| Tier 1 risk-based capital ratio | 8.8762% | 6,951 |
| Total risk-based capital ratio | 10.1774% | 6,948 |
| Memoranda: | ||
| Average total assets | $244,050,750 | 2,610 |
| Average earning assets | $208,117,250 | 2,786 |
| Average equity | $17,376,250 | 3,590 |
| Average total loans | $148,007,500 | 2,634 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 6,675 |
| Cost of funding earning assets | 0.8093% | 3,120 |
| Net interest margin | 2.6372% | 6,790 |
| Noninterest income to average assets | 2.0520% | 387 |
| Noninterest expense to average assets | 5.6537% | 249 |
| Loan and lease loss provision to assets | -0.5353% | 7,206 |
| Net operating income to assets | -0.8330% | 6,870 |
| Return on assets (ROA) | -0.6499% | 6,833 |
| Pretax return on assets | -0.6499% | 6,800 |
| Return on Equity (ROE) | -8.6593% | 6,877 |
| Retained earnings to average equity (ytd only) | -8.6593% | 6,794 |
| Net charge-offs to loans | 7.3248% | 18 |
| Credit loss provision to net charge-offs | -11.8669% | 5,931 |
| Earnings coverage of net charge-offs (x) | -0.3033% | 5,192 |
| Efficiency ratio | 131.9284% | 155 |
| Assets per employee ($millions) | 5.8128% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5500% | 475 |
| Loan loss allowance to noncurrent loans | 12.4855% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 19.8420% | 41 |
| Noncurrent loans to loans | 28.4330% | 10 |
| Net loans and leases to total assets | 57.7527% | 4,210 |
| Net loans and leases to deposits | 80.9097% | 2,244 |
| Net loans and leases to core deposits | 81.8684% | 2,980 |
| Total domestic deposits to total assets | 71.3792% | 6,835 |
| Equity capital to assets | 7.6531% | 6,732 |
| Core capital (leverage) ratio | 7.1429% | 6,770 |
| Tier 1 risk-based capital ratio | 11.1696% | 6,416 |
| Total risk-based capital ratio | 12.4438% | 6,387 |
| Memoranda: | ||
| Average total assets | $242,495,330 | 2,632 |
| Average earning assets | $205,368,330 | 2,818 |
| Average equity | $18,200,000 | 3,471 |
| Average total loans | $149,328,000 | 2,627 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 6,649 |
| Cost of funding earning assets | 0.8338% | 3,196 |
| Net interest margin | 2.7040% | 6,764 |
| Noninterest income to average assets | 1.9478% | 426 |
| Noninterest expense to average assets | 6.0135% | 209 |
| Loan and lease loss provision to assets | -1.0614% | 7,288 |
| Net operating income to assets | -0.7343% | 6,928 |
| Return on assets (ROA) | -0.7343% | 6,949 |
| Pretax return on assets | -0.7343% | 6,909 |
| Return on Equity (ROE) | -9.8787% | 6,986 |
| Retained earnings to average equity (ytd only) | -9.8787% | 6,837 |
| Net charge-offs to loans | 12.4817% | 11 |
| Credit loss provision to net charge-offs | -13.6259% | 5,358 |
| Earnings coverage of net charge-offs (x) | -0.2305% | 4,448 |
| Efficiency ratio | 142.5746% | 125 |
| Assets per employee ($millions) | 5.7606% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8863% | 404 |
| Loan loss allowance to noncurrent loans | 13.6793% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 20.3868% | 44 |
| Noncurrent loans to loans | 28.4099% | 13 |
| Net loans and leases to total assets | 59.0008% | 3,858 |
| Net loans and leases to deposits | 82.5593% | 1,854 |
| Net loans and leases to core deposits | 83.5215% | 2,603 |
| Total domestic deposits to total assets | 71.4647% | 6,908 |
| Equity capital to assets | 7.4165% | 6,811 |
| Core capital (leverage) ratio | 7.2119% | 6,759 |
| Tier 1 risk-based capital ratio | 10.9746% | 6,550 |
| Total risk-based capital ratio | 12.2524% | 6,523 |
| Memoranda: | ||
| Average total assets | $244,581,500 | 2,618 |
| Average earning assets | $205,325,500 | 2,829 |
| Average equity | $18,180,500 | 3,467 |
| Average total loans | $152,640,000 | 2,589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 6,806 |
| Cost of funding earning assets | 0.9424% | 3,771 |
| Net interest margin | 2.7926% | 6,829 |
| Noninterest income to average assets | 2.4174% | 280 |
| Noninterest expense to average assets | 5.0529% | 370 |
| Loan and lease loss provision to assets | 0.5925% | 1,749 |
| Net operating income to assets | -1.4413% | 6,892 |
| Return on assets (ROA) | -1.4413% | 6,915 |
| Pretax return on assets | -0.8589% | 6,671 |
| Return on Equity (ROE) | -18.7563% | 6,967 |
| Retained earnings to average equity (ytd only) | -18.7563% | 6,953 |
| Net charge-offs to loans | 2.0930% | 646 |
| Credit loss provision to net charge-offs | 44.0187% | 5,553 |
| Earnings coverage of net charge-offs (x) | -0.1979% | 5,955 |
| Efficiency ratio | 105.5650% | 527 |
| Assets per employee ($millions) | 5.7492% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1346% | 49 |
| Loan loss allowance to noncurrent loans | 24.9832% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 21.1244% | 42 |
| Noncurrent loans to loans | 28.5574% | 18 |
| Net loans and leases to total assets | 58.8851% | 4,213 |
| Net loans and leases to deposits | 82.6519% | 2,113 |
| Net loans and leases to core deposits | 83.0054% | 3,021 |
| Total domestic deposits to total assets | 71.2447% | 6,911 |
| Equity capital to assets | 7.4497% | 6,833 |
| Core capital (leverage) ratio | 7.1060% | 6,830 |
| Tier 1 risk-based capital ratio | 11.0170% | 6,449 |
| Total risk-based capital ratio | 12.3345% | 6,389 |
| Memoranda: | ||
| Average total assets | $269,546,000 | 2,342 |
| Average earning assets | $228,674,800 | 2,522 |
| Average equity | $20,713,000 | 3,042 |
| Average total loans | $173,338,200 | 2,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 6,856 |
| Cost of funding earning assets | 0.9374% | 4,135 |
| Net interest margin | 2.8498% | 6,833 |
| Noninterest income to average assets | 2.3979% | 280 |
| Noninterest expense to average assets | 5.0138% | 365 |
| Loan and lease loss provision to assets | 0.7739% | 1,217 |
| Net operating income to assets | -0.9634% | 6,871 |
| Return on assets (ROA) | -0.9634% | 6,904 |
| Pretax return on assets | -0.9634% | 6,862 |
| Return on Equity (ROE) | -12.4517% | 6,958 |
| Retained earnings to average equity (ytd only) | -12.4517% | 6,930 |
| Net charge-offs to loans | 1.3161% | 1,167 |
| Credit loss provision to net charge-offs | 91.1530% | 3,733 |
| Earnings coverage of net charge-offs (x) | -0.2232% | 5,731 |
| Efficiency ratio | 103.9277% | 554 |
| Assets per employee ($millions) | 5.8813% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7319% | 35 |
| Loan loss allowance to noncurrent loans | 28.2708% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 19.5508% | 58 |
| Noncurrent loans to loans | 27.3493% | 20 |
| Net loans and leases to total assets | 60.2260% | 4,090 |
| Net loans and leases to deposits | 80.5973% | 2,578 |
| Net loans and leases to core deposits | 80.9111% | 3,500 |
| Total domestic deposits to total assets | 74.7246% | 6,677 |
| Equity capital to assets | 7.8450% | 6,784 |
| Core capital (leverage) ratio | 6.8310% | 6,996 |
| Tier 1 risk-based capital ratio | 10.5956% | 6,737 |
| Total risk-based capital ratio | 11.9223% | 6,700 |
| Memoranda: | ||
| Average total assets | $275,128,250 | 2,318 |
| Average earning assets | $234,257,500 | 2,469 |
| Average equity | $21,287,000 | 2,973 |
| Average total loans | $177,483,250 | 2,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 6,857 |
| Cost of funding earning assets | 0.9525% | 4,298 |
| Net interest margin | 2.9070% | 6,779 |
| Noninterest income to average assets | 2.2860% | 303 |
| Noninterest expense to average assets | 5.0702% | 352 |
| Loan and lease loss provision to assets | 1.1227% | 718 |
| Net operating income to assets | -1.4463% | 7,079 |
| Return on assets (ROA) | -1.4463% | 7,094 |
| Pretax return on assets | -1.4463% | 7,046 |
| Return on Equity (ROE) | -18.7734% | 7,138 |
| Retained earnings to average equity (ytd only) | -18.7734% | 7,121 |
| Net charge-offs to loans | 1.6835% | 861 |
| Credit loss provision to net charge-offs | 103.7549% | 2,980 |
| Earnings coverage of net charge-offs (x) | -0.2991% | 5,453 |
| Efficiency ratio | 106.8178% | 541 |
| Assets per employee ($millions) | 5.8520% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6361% | 39 |
| Loan loss allowance to noncurrent loans | 26.3051% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 21.6122% | 45 |
| Noncurrent loans to loans | 29.0288% | 17 |
| Net loans and leases to total assets | 60.9607% | 4,093 |
| Net loans and leases to deposits | 82.5972% | 2,357 |
| Net loans and leases to core deposits | 83.4290% | 3,305 |
| Total domestic deposits to total assets | 73.8048% | 6,862 |
| Equity capital to assets | 7.6927% | 6,859 |
| Core capital (leverage) ratio | 6.6136% | 7,102 |
| Tier 1 risk-based capital ratio | 9.8816% | 7,012 |
| Total risk-based capital ratio | 11.2039% | 6,994 |
| Memoranda: | ||
| Average total assets | $280,578,670 | 2,288 |
| Average earning assets | $237,491,670 | 2,452 |
| Average equity | $21,615,670 | 2,913 |
| Average total loans | $180,340,670 | 2,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 6,670 |
| Cost of funding earning assets | 0.9526% | 4,546 |
| Net interest margin | 3.0614% | 6,437 |
| Noninterest income to average assets | 2.1480% | 331 |
| Noninterest expense to average assets | 4.6764% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0719% | 6,172 |
| Return on assets (ROA) | 0.0719% | 6,223 |
| Pretax return on assets | 0.0719% | 6,234 |
| Return on Equity (ROE) | 0.9330% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.9330% | 5,456 |
| Net charge-offs to loans | -0.1525% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4853% | 807 |
| Assets per employee ($millions) | 6.2826% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3538% | 48 |
| Loan loss allowance to noncurrent loans | 32.1990% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 16.6020% | 112 |
| Noncurrent loans to loans | 22.8384% | 47 |
| Net loans and leases to total assets | 59.2005% | 4,428 |
| Net loans and leases to deposits | 81.5863% | 2,430 |
| Net loans and leases to core deposits | 82.3895% | 3,402 |
| Total domestic deposits to total assets | 72.5618% | 7,033 |
| Equity capital to assets | 7.8955% | 6,601 |
| Core capital (leverage) ratio | 6.9535% | 7,030 |
| Tier 1 risk-based capital ratio | 10.9775% | 6,525 |
| Total risk-based capital ratio | 12.2995% | 6,460 |
| Memoranda: | ||
| Average total assets | $289,197,000 | 2,237 |
| Average earning assets | $245,642,500 | 2,392 |
| Average equity | $22,294,500 | 2,833 |
| Average total loans | $183,607,500 | 2,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 7,369 |
| Cost of funding earning assets | 1.0776% | 5,274 |
| Net interest margin | 2.4668% | 7,289 |
| Noninterest income to average assets | 2.0947% | 367 |
| Noninterest expense to average assets | 4.5632% | 611 |
| Loan and lease loss provision to assets | 2.3158% | 517 |
| Net operating income to assets | -2.6487% | 7,217 |
| Return on assets (ROA) | -2.5987% | 7,226 |
| Pretax return on assets | -2.5987% | 7,197 |
| Return on Equity (ROE) | -37.8671% | 7,322 |
| Retained earnings to average equity (ytd only) | -37.8671% | 7,313 |
| Net charge-offs to loans | 4.6040% | 225 |
| Credit loss provision to net charge-offs | 85.0600% | 5,342 |
| Earnings coverage of net charge-offs (x) | -0.1223% | 6,241 |
| Efficiency ratio | 107.8686% | 580 |
| Assets per employee ($millions) | 6.1599% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0835% | 56 |
| Loan loss allowance to noncurrent loans | 38.0233% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 13.9116% | 197 |
| Noncurrent loans to loans | 18.6295% | 89 |
| Net loans and leases to total assets | 58.6265% | 4,933 |
| Net loans and leases to deposits | 82.0055% | 2,805 |
| Net loans and leases to core deposits | 82.6767% | 3,794 |
| Total domestic deposits to total assets | 71.4910% | 7,132 |
| Equity capital to assets | 7.5309% | 6,869 |
| Core capital (leverage) ratio | 6.5956% | 7,172 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,728 |
| Total risk-based capital ratio | 11.7727% | 6,664 |
| Memoranda: | ||
| Average total assets | $364,105,200 | 1,798 |
| Average earning assets | $315,229,400 | 1,881 |
| Average equity | $24,987,400 | 2,559 |
| Average total loans | $215,312,600 | 2,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 7,510 |
| Cost of funding earning assets | 1.0523% | 5,689 |
| Net interest margin | 2.5096% | 7,374 |
| Noninterest income to average assets | 2.0681% | 360 |
| Noninterest expense to average assets | 3.9463% | 1,125 |
| Loan and lease loss provision to assets | 2.7305% | 357 |
| Net operating income to assets | -2.4266% | 7,331 |
| Return on assets (ROA) | -2.3797% | 7,333 |
| Pretax return on assets | -2.3797% | 7,291 |
| Return on Equity (ROE) | -35.3434% | 7,453 |
| Retained earnings to average equity (ytd only) | -35.3434% | 7,450 |
| Net charge-offs to loans | 3.8531% | 327 |
| Credit loss provision to net charge-offs | 121.4152% | 3,391 |
| Earnings coverage of net charge-offs (x) | 0.1351% | 5,888 |
| Efficiency ratio | 92.8489% | 1,069 |
| Assets per employee ($millions) | 6.6321% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1665% | 37 |
| Loan loss allowance to noncurrent loans | 41.7350% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 14.5508% | 170 |
| Noncurrent loans to loans | 19.5674% | 85 |
| Net loans and leases to total assets | 57.9849% | 5,271 |
| Net loans and leases to deposits | 75.9378% | 4,190 |
| Net loans and leases to core deposits | 76.1778% | 5,035 |
| Total domestic deposits to total assets | 76.3584% | 6,594 |
| Equity capital to assets | 7.8278% | 6,914 |
| Core capital (leverage) ratio | 6.7722% | 7,263 |
| Tier 1 risk-based capital ratio | 11.1505% | 6,242 |
| Total risk-based capital ratio | 12.4810% | 6,158 |
| Memoranda: | ||
| Average total assets | $381,212,750 | 1,749 |
| Average earning assets | $331,464,750 | 1,830 |
| Average equity | $25,667,500 | 2,524 |
| Average total loans | $222,501,000 | 1,979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 7,590 |
| Cost of funding earning assets | 0.9967% | 6,162 |
| Net interest margin | 2.5634% | 7,377 |
| Noninterest income to average assets | 2.1168% | 326 |
| Noninterest expense to average assets | 3.7717% | 1,407 |
| Loan and lease loss provision to assets | 1.7246% | 727 |
| Net operating income to assets | -1.1420% | 7,005 |
| Return on assets (ROA) | -1.0757% | 6,993 |
| Pretax return on assets | -1.0757% | 6,924 |
| Return on Equity (ROE) | -16.6731% | 7,193 |
| Retained earnings to average equity (ytd only) | -16.6731% | 7,156 |
| Net charge-offs to loans | 5.1718% | 191 |
| Credit loss provision to net charge-offs | 58.3598% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.1972% | 5,530 |
| Efficiency ratio | 86.6197% | 1,638 |
| Assets per employee ($millions) | 6.6007% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7692% | 117 |
| Loan loss allowance to noncurrent loans | 38.8369% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 11.8986% | 276 |
| Noncurrent loans to loans | 14.8549% | 175 |
| Net loans and leases to total assets | 61.6506% | 4,751 |
| Net loans and leases to deposits | 83.4641% | 2,983 |
| Net loans and leases to core deposits | 89.6506% | 3,327 |
| Total domestic deposits to total assets | 73.8648% | 6,988 |
| Equity capital to assets | 8.9678% | 5,496 |
| Core capital (leverage) ratio | 7.2296% | 7,049 |
| Tier 1 risk-based capital ratio | 12.2714% | 5,060 |
| Total risk-based capital ratio | 13.5728% | 4,996 |
| Memoranda: | ||
| Average total assets | $404,380,670 | 1,677 |
| Average earning assets | $352,969,330 | 1,733 |
| Average equity | $26,090,000 | 2,485 |
| Average total loans | $231,062,330 | 1,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 7,732 |
| Cost of funding earning assets | 0.8469% | 6,953 |
| Net interest margin | 2.5571% | 7,421 |
| Noninterest income to average assets | 1.8999% | 364 |
| Noninterest expense to average assets | 3.6686% | 1,575 |
| Loan and lease loss provision to assets | 1.3488% | 884 |
| Net operating income to assets | -0.8614% | 7,044 |
| Return on assets (ROA) | -0.7670% | 7,017 |
| Pretax return on assets | -0.7670% | 6,932 |
| Return on Equity (ROE) | -13.8516% | 7,288 |
| Retained earnings to average equity (ytd only) | -13.8516% | 7,167 |
| Net charge-offs to loans | 1.4552% | 1,187 |
| Credit loss provision to net charge-offs | 171.2329% | 2,120 |
| Earnings coverage of net charge-offs (x) | 0.6187% | 4,474 |
| Efficiency ratio | 88.2735% | 1,563 |
| Assets per employee ($millions) | 7.8493% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6830% | 71 |
| Loan loss allowance to noncurrent loans | 46.9090% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 8.8619% | 512 |
| Noncurrent loans to loans | 14.2468% | 204 |
| Net loans and leases to total assets | 51.4205% | 6,332 |
| Net loans and leases to deposits | 75.5987% | 4,478 |
| Net loans and leases to core deposits | 75.7996% | 5,285 |
| Total domestic deposits to total assets | 68.0177% | 7,525 |
| Equity capital to assets | 5.8745% | 7,635 |
| Core capital (leverage) ratio | 5.3720% | 7,667 |
| Tier 1 risk-based capital ratio | 9.7617% | 7,170 |
| Total risk-based capital ratio | 11.0742% | 7,134 |
| Memoranda: | ||
| Average total assets | $444,854,000 | 1,579 |
| Average earning assets | $392,476,500 | 1,615 |
| Average equity | $24,632,500 | 2,650 |
| Average total loans | $240,790,000 | 1,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 7,622 |
| Cost of funding earning assets | 0.8637% | 7,464 |
| Net interest margin | 3.2969% | 5,759 |
| Noninterest income to average assets | 2.4176% | 288 |
| Noninterest expense to average assets | 4.3952% | 877 |
| Loan and lease loss provision to assets | 4.8256% | 215 |
| Net operating income to assets | -3.3748% | 7,479 |
| Return on assets (ROA) | -3.1625% | 7,440 |
| Pretax return on assets | -3.7301% | 7,470 |
| Return on Equity (ROE) | -39.5840% | 7,564 |
| Retained earnings to average equity (ytd only) | -39.5840% | 7,548 |
| Net charge-offs to loans | 6.5295% | 147 |
| Credit loss provision to net charge-offs | 123.0897% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.2157% | 5,916 |
| Efficiency ratio | 83.8626% | 2,367 |
| Assets per employee ($millions) | 6.5791% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8238% | 107 |
| Loan loss allowance to noncurrent loans | 44.3171% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 7.8439% | 586 |
| Noncurrent loans to loans | 13.1412% | 235 |
| Net loans and leases to total assets | 50.1690% | 6,624 |
| Net loans and leases to deposits | 74.3946% | 4,969 |
| Net loans and leases to core deposits | 80.8851% | 6,007 |
| Total domestic deposits to total assets | 67.4363% | 7,584 |
| Equity capital to assets | 5.2409% | 7,767 |
| Core capital (leverage) ratio | 5.1158% | 7,754 |
| Tier 1 risk-based capital ratio | 8.8081% | 7,536 |
| Total risk-based capital ratio | 10.1093% | 7,546 |
| Memoranda: | ||
| Average total assets | $443,987,800 | 1,568 |
| Average earning assets | $380,208,600 | 1,655 |
| Average equity | $35,471,400 | 1,900 |
| Average total loans | $266,576,200 | 1,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 7,600 |
| Cost of funding earning assets | 0.9696% | 7,446 |
| Net interest margin | 3.4400% | 5,113 |
| Noninterest income to average assets | 2.6433% | 252 |
| Noninterest expense to average assets | 4.4205% | 815 |
| Loan and lease loss provision to assets | 2.7411% | 574 |
| Net operating income to assets | -0.9391% | 6,788 |
| Return on assets (ROA) | -0.7223% | 6,639 |
| Pretax return on assets | -1.2757% | 6,852 |
| Return on Equity (ROE) | -8.2691% | 6,754 |
| Retained earnings to average equity (ytd only) | -8.2691% | 6,630 |
| Net charge-offs to loans | 2.7985% | 632 |
| Credit loss provision to net charge-offs | 158.2892% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.6506% | 5,379 |
| Efficiency ratio | 79.6895% | 2,901 |
| Assets per employee ($millions) | 7.0692% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0759% | 128 |
| Loan loss allowance to noncurrent loans | 48.1889% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 6.7859% | 719 |
| Noncurrent loans to loans | 10.5334% | 360 |
| Net loans and leases to total assets | 51.3718% | 6,669 |
| Net loans and leases to deposits | 82.3206% | 3,953 |
| Net loans and leases to core deposits | 83.8711% | 6,046 |
| Total domestic deposits to total assets | 62.4045% | 7,812 |
| Equity capital to assets | 7.2342% | 7,464 |
| Core capital (leverage) ratio | 6.7356% | 7,565 |
| Tier 1 risk-based capital ratio | 11.9024% | 5,059 |
| Total risk-based capital ratio | 13.1948% | 4,961 |
| Memoranda: | ||
| Average total assets | $436,561,500 | 1,595 |
| Average earning assets | $368,518,750 | 1,717 |
| Average equity | $38,132,750 | 1,788 |
| Average total loans | $270,134,500 | 1,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 7,000 |
| Cost of funding earning assets | 1.2338% | 7,006 |
| Net interest margin | 3.6797% | 4,042 |
| Noninterest income to average assets | 2.2084% | 320 |
| Noninterest expense to average assets | 4.7199% | 632 |
| Loan and lease loss provision to assets | 1.1881% | 1,450 |
| Net operating income to assets | -0.3259% | 6,354 |
| Return on assets (ROA) | 0.0078% | 5,892 |
| Pretax return on assets | -0.1397% | 6,053 |
| Return on Equity (ROE) | 0.0830% | 5,892 |
| Retained earnings to average equity (ytd only) | 0.0830% | 5,168 |
| Net charge-offs to loans | 1.4786% | 1,282 |
| Credit loss provision to net charge-offs | 123.4879% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.5479% | 5,162 |
| Efficiency ratio | 89.9538% | 1,818 |
| Assets per employee ($millions) | 5.3095% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1524% | 228 |
| Loan loss allowance to noncurrent loans | 64.7811% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 6.3622% | 730 |
| Noncurrent loans to loans | 6.4099% | 832 |
| Net loans and leases to total assets | 64.5902% | 4,860 |
| Net loans and leases to deposits | 88.5998% | 3,070 |
| Net loans and leases to core deposits | 90.2316% | 5,514 |
| Total domestic deposits to total assets | 72.9011% | 7,123 |
| Equity capital to assets | 9.7850% | 4,235 |
| Core capital (leverage) ratio | 6.8597% | 7,627 |
| Tier 1 risk-based capital ratio | 11.8014% | 5,098 |
| Total risk-based capital ratio | 13.0776% | 4,992 |
| Memoranda: | ||
| Average total assets | $412,420,670 | 1,705 |
| Average earning assets | $340,575,670 | 1,865 |
| Average equity | $38,570,000 | 1,766 |
| Average total loans | $268,360,670 | 1,836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 7,124 |
| Cost of funding earning assets | 1.4418% | 6,606 |
| Net interest margin | 3.4788% | 4,808 |
| Noninterest income to average assets | 1.9269% | 387 |
| Noninterest expense to average assets | 4.5270% | 693 |
| Loan and lease loss provision to assets | 0.0477% | 6,375 |
| Net operating income to assets | 0.2279% | 5,571 |
| Return on assets (ROA) | 0.3595% | 5,206 |
| Pretax return on assets | 0.5244% | 5,005 |
| Return on Equity (ROE) | 3.9299% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,704 |
| Net charge-offs to loans | 3.2866% | 380 |
| Credit loss provision to net charge-offs | 2.2676% | 5,240 |
| Earnings coverage of net charge-offs (x) | 0.1814% | 4,836 |
| Efficiency ratio | 92.2300% | 1,554 |
| Assets per employee ($millions) | 5.0938% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2436% | 392 |
| Loan loss allowance to noncurrent loans | 63.6255% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 5.7317% | 717 |
| Noncurrent loans to loans | 5.0979% | 1,066 |
| Net loans and leases to total assets | 64.8135% | 4,840 |
| Net loans and leases to deposits | 85.9726% | 3,635 |
| Net loans and leases to core deposits | 88.7489% | 5,673 |
| Total domestic deposits to total assets | 75.3886% | 6,628 |
| Equity capital to assets | 9.9030% | 4,113 |
| Core capital (leverage) ratio | 7.3159% | 7,364 |
| Tier 1 risk-based capital ratio | 12.0640% | 4,909 |
| Total risk-based capital ratio | 13.3319% | 4,787 |
| Memoranda: | ||
| Average total assets | $419,525,000 | 1,701 |
| Average earning assets | $359,551,000 | 1,789 |
| Average equity | $38,372,500 | 1,774 |
| Average total loans | $268,366,500 | 1,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 7,412 |
| Cost of funding earning assets | 2.1332% | 5,912 |
| Net interest margin | 3.3068% | 6,014 |
| Noninterest income to average assets | 2.3283% | 279 |
| Noninterest expense to average assets | 3.4632% | 2,488 |
| Loan and lease loss provision to assets | 4.1175% | 155 |
| Net operating income to assets | -1.4103% | 7,428 |
| Return on assets (ROA) | -1.6719% | 7,475 |
| Pretax return on assets | -2.7304% | 7,648 |
| Return on Equity (ROE) | -17.6847% | 7,698 |
| Retained earnings to average equity (ytd only) | -17.6847% | 7,606 |
| Net charge-offs to loans | 4.5772% | 121 |
| Credit loss provision to net charge-offs | 142.9322% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.6234% | 5,849 |
| Efficiency ratio | 65.8524% | 5,155 |
| Assets per employee ($millions) | 5.7285% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8968% | 205 |
| Loan loss allowance to noncurrent loans | 103.8114% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 4.0994% | 987 |
| Noncurrent loans to loans | 3.7537% | 1,330 |
| Net loans and leases to total assets | 58.9312% | 6,068 |
| Net loans and leases to deposits | 74.8953% | 5,749 |
| Net loans and leases to core deposits | 92.1640% | 5,621 |
| Total domestic deposits to total assets | 78.6848% | 5,488 |
| Equity capital to assets | 8.4827% | 6,115 |
| Core capital (leverage) ratio | 8.0454% | 6,414 |
| Tier 1 risk-based capital ratio | 11.7526% | 5,017 |
| Total risk-based capital ratio | 13.0287% | 4,910 |
| Memoranda: | ||
| Average total assets | $435,900,800 | 1,567 |
| Average earning assets | $386,322,000 | 1,604 |
| Average equity | $41,210,800 | 1,621 |
| Average total loans | $274,337,200 | 1,745 |