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Inland Community Bank, Performance and Condition Ratios

2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7831%2,451
Cost of funding earning assets0.4645%5,685
Net interest margin4.3187%1,421
Noninterest income to average assets0.8222%2,150
Noninterest expense to average assets4.0917%838
Loan and lease loss provision to assets0.1237%4,006
Net operating income to assets0.2305%5,838
Return on assets (ROA)0.2314%6,018
Pretax return on assets0.3353%5,883
Return on Equity (ROE)1.7792%6,082
Retained earnings to average equity (ytd only)1.7792%5,439
Net charge-offs to loans0.3943%2,513
Credit loss provision to net charge-offs43.1965%4,547
Earnings coverage of net charge-offs (x)1.5983%4,485
Efficiency ratio86.3884%1,350
Assets per employee ($millions)3.7909%4,321
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.3953%1,374
Loan loss allowance to noncurrent loans48.0732%5,227
Noncurrent assets plus other real estate owned to assets5.3148%815
Noncurrent loans to loans4.9825%911
Net loans and leases to total assets75.6661%1,018
Net loans and leases to deposits92.5124%918
Net loans and leases to core deposits97.7312%1,284
Total domestic deposits to total assets81.7902%5,091
Equity capital to assets13.4329%1,380
Core capital (leverage) ratio13.5106%1,004
Tier 1 risk-based capital ratio17.1353%2,679
Total risk-based capital ratio18.4002%2,623
Memoranda:
Average total assets$215,519,2502,911
Average earning assets$186,009,5003,036
Average equity$28,026,0002,408
Average total loans$156,561,0002,508
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7208%2,837
Cost of funding earning assets0.5102%5,555
Net interest margin4.2106%1,722
Noninterest income to average assets0.7147%2,582
Noninterest expense to average assets4.1958%731
Loan and lease loss provision to assets0.1847%3,257
Net operating income to assets0.0084%6,311
Return on assets (ROA)0.0102%6,443
Pretax return on assets-0.0203%6,468
Return on Equity (ROE)0.0790%6,446
Retained earnings to average equity (ytd only)0.0790%6,015
Net charge-offs to loans0.4289%2,326
Credit loss provision to net charge-offs60.6061%3,780
Earnings coverage of net charge-offs (x)0.5303%4,804
Efficiency ratio92.6044%887
Assets per employee ($millions)3.3714%5,270
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.8048%936
Loan loss allowance to noncurrent loans48.7379%5,183
Noncurrent assets plus other real estate owned to assets5.5637%795
Noncurrent loans to loans5.7549%787
Net loans and leases to total assets68.6472%2,178
Net loans and leases to deposits80.1741%2,355
Net loans and leases to core deposits88.6406%2,132
Total domestic deposits to total assets85.6226%3,553
Equity capital to assets13.6762%1,229
Core capital (leverage) ratio12.5774%1,320
Tier 1 risk-based capital ratio17.6750%2,402
Total risk-based capital ratio18.9419%2,366
Memoranda:
Average total assets$216,595,0002,910
Average earning assets$187,384,3303,027
Average equity$27,862,3302,405
Average total loans$153,889,6702,553
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8110%2,586
Cost of funding earning assets0.5251%5,639
Net interest margin4.2859%1,515
Noninterest income to average assets0.7836%2,245
Noninterest expense to average assets4.0727%862
Loan and lease loss provision to assets0.1351%3,658
Net operating income to assets0.2048%5,971
Return on assets (ROA)0.2071%6,107
Pretax return on assets0.3134%5,949
Return on Equity (ROE)1.6588%6,170
Retained earnings to average equity (ytd only)1.6588%5,404
Net charge-offs to loans0.2301%2,777
Credit loss provision to net charge-offs82.4176%2,685
Earnings coverage of net charge-offs (x)2.7143%3,094
Efficiency ratio86.6826%1,413
Assets per employee ($millions)3.6820%4,698
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.9498%875
Loan loss allowance to noncurrent loans44.4680%5,387
Noncurrent assets plus other real estate owned to assets4.3536%1,238
Noncurrent loans to loans6.6334%718
Net loans and leases to total assets62.3710%3,174
Net loans and leases to deposits72.0840%3,423
Net loans and leases to core deposits88.9100%1,963
Total domestic deposits to total assets86.5254%3,228
Equity capital to assets12.5706%1,676
Core capital (leverage) ratio12.2658%1,454
Tier 1 risk-based capital ratio18.3524%2,186
Total risk-based capital ratio19.6223%2,149
Memoranda:
Average total assets$222,064,5002,861
Average earning assets$193,471,5002,980
Average equity$27,730,5002,406
Average total loans$158,209,0002,505
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9593%3,073
Cost of funding earning assets0.6719%5,700
Net interest margin4.2874%1,741
Noninterest income to average assets0.4216%4,433
Noninterest expense to average assets4.0154%1,019
Loan and lease loss provision to assets0.5690%1,831
Net operating income to assets-0.2455%6,296
Return on assets (ROA)-0.2406%6,355
Pretax return on assets-0.3823%6,412
Return on Equity (ROE)-2.1319%6,348
Retained earnings to average equity (ytd only)-2.1319%6,173
Net charge-offs to loans0.9526%1,814
Credit loss provision to net charge-offs91.3524%3,949
Earnings coverage of net charge-offs (x)0.2874%5,610
Efficiency ratio90.7213%1,136
Assets per employee ($millions)3.6001%4,769
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.4100%1,450
Loan loss allowance to noncurrent loans39.9962%5,607
Noncurrent assets plus other real estate owned to assets4.7986%1,129
Noncurrent loans to loans6.0256%821
Net loans and leases to total assets76.2675%917
Net loans and leases to deposits87.5749%1,440
Net loans and leases to core deposits110.7190%600
Total domestic deposits to total assets87.0883%2,714
Equity capital to assets12.4054%1,853
Core capital (leverage) ratio11.6392%1,796
Tier 1 risk-based capital ratio15.9902%3,057
Total risk-based capital ratio17.2563%3,005
Memoranda:
Average total assets$246,925,8002,557
Average earning assets$217,289,4002,644
Average equity$27,862,2002,338
Average total loans$161,447,2002,480
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9081%3,517
Cost of funding earning assets0.6958%5,798
Net interest margin4.2123%2,046
Noninterest income to average assets0.6285%3,004
Noninterest expense to average assets4.0275%976
Loan and lease loss provision to assets0.7145%1,341
Net operating income to assets-0.2541%6,442
Return on assets (ROA)-0.2484%6,508
Pretax return on assets-0.3886%6,558
Return on Equity (ROE)-2.2504%6,501
Retained earnings to average equity (ytd only)-2.2504%6,326
Net charge-offs to loans1.0198%1,572
Credit loss provision to net charge-offs111.9835%2,925
Earnings coverage of net charge-offs (x)0.4967%5,248
Efficiency ratio87.9840%1,345
Assets per employee ($millions)4.0019%3,837
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.9721%881
Loan loss allowance to noncurrent loans55.8992%4,655
Noncurrent assets plus other real estate owned to assets3.7691%1,649
Noncurrent loans to loans5.3168%1,138
Net loans and leases to total assets60.9393%3,955
Net loans and leases to deposits69.4763%4,387
Net loans and leases to core deposits87.5870%2,549
Total domestic deposits to total assets87.7123%2,225
Equity capital to assets11.5851%2,606
Core capital (leverage) ratio11.1182%2,300
Tier 1 risk-based capital ratio16.5755%2,827
Total risk-based capital ratio17.8434%2,778
Memoranda:
Average total assets$252,855,0002,503
Average earning assets$223,056,5002,591
Average equity$27,905,2502,337
Average total loans$158,199,0002,545
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8999%3,621
Cost of funding earning assets0.7444%5,706
Net interest margin4.1555%2,209
Noninterest income to average assets0.6215%2,997
Noninterest expense to average assets3.5744%1,801
Loan and lease loss provision to assets0.2528%3,381
Net operating income to assets0.2701%5,481
Return on assets (ROA)0.2746%5,589
Pretax return on assets0.4706%5,170
Return on Equity (ROE)2.5273%5,595
Retained earnings to average equity (ytd only)2.5273%4,681
Net charge-offs to loans0.6125%2,297
Credit loss provision to net charge-offs66.0569%4,175
Earnings coverage of net charge-offs (x)1.8720%3,929
Efficiency ratio78.5896%2,612
Assets per employee ($millions)4.2470%3,262
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.6622%1,221
Loan loss allowance to noncurrent loans46.3849%5,234
Noncurrent assets plus other real estate owned to assets4.2536%1,494
Noncurrent loans to loans5.7393%1,072
Net loans and leases to total assets59.8351%4,300
Net loans and leases to deposits67.7100%4,755
Net loans and leases to core deposits85.5496%2,988
Total domestic deposits to total assets88.3697%1,933
Equity capital to assets11.1712%2,791
Core capital (leverage) ratio10.9515%2,296
Tier 1 risk-based capital ratio15.9515%2,996
Total risk-based capital ratio17.2161%2,958
Memoranda:
Average total assets$257,103,0002,480
Average earning assets$227,023,0002,562
Average equity$27,934,6702,317
Average total loans$160,664,0002,528
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9719%3,239
Cost of funding earning assets0.8208%5,460
Net interest margin4.1512%2,077
Noninterest income to average assets0.5266%3,678
Noninterest expense to average assets3.6616%1,623
Loan and lease loss provision to assets0.2323%3,325
Net operating income to assets0.1903%5,813
Return on assets (ROA)0.1983%5,848
Pretax return on assets0.3191%5,601
Return on Equity (ROE)1.8504%5,843
Retained earnings to average equity (ytd only)1.8504%5,005
Net charge-offs to loans0.6073%1,981
Credit loss provision to net charge-offs60.7287%3,533
Earnings coverage of net charge-offs (x)1.4089%3,646
Efficiency ratio82.3746%2,171
Assets per employee ($millions)4.5099%2,870
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.6452%1,264
Loan loss allowance to noncurrent loans40.8124%5,575
Noncurrent assets plus other real estate owned to assets4.4030%1,481
Noncurrent loans to loans6.4814%923
Net loans and leases to total assets61.7885%3,900
Net loans and leases to deposits69.8338%4,367
Net loans and leases to core deposits88.1131%2,584
Total domestic deposits to total assets88.4793%2,093
Equity capital to assets10.9826%2,707
Core capital (leverage) ratio10.8139%2,342
Tier 1 risk-based capital ratio15.4886%3,167
Total risk-based capital ratio16.7537%3,110
Memoranda:
Average total assets$258,246,0002,489
Average earning assets$228,563,0002,559
Average equity$27,669,0002,324
Average total loans$162,676,0002,526
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3092%3,085
Cost of funding earning assets1.0625%5,352
Net interest margin4.2467%2,011
Noninterest income to average assets0.6350%3,248
Noninterest expense to average assets3.3275%2,649
Loan and lease loss provision to assets0.2112%5,142
Net operating income to assets0.5467%3,899
Return on assets (ROA)0.5606%4,002
Pretax return on assets0.8721%3,400
Return on Equity (ROE)5.6474%3,762
Retained earnings to average equity (ytd only)5.6474%2,018
Net charge-offs to loans0.1979%5,105
Credit loss provision to net charge-offs153.5433%2,316
Earnings coverage of net charge-offs (x)7.7192%2,076
Efficiency ratio74.8088%3,235
Assets per employee ($millions)4.3990%3,030
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.6281%1,259
Loan loss allowance to noncurrent loans47.2652%5,155
Noncurrent assets plus other real estate owned to assets3.7589%1,826
Noncurrent loans to loans5.5603%1,177
Net loans and leases to total assets60.8948%4,511
Net loans and leases to deposits68.3798%5,053
Net loans and leases to core deposits88.8351%2,925
Total domestic deposits to total assets89.0538%1,620
Equity capital to assets10.4574%3,201
Core capital (leverage) ratio10.0603%3,018
Tier 1 risk-based capital ratio14.8673%3,322
Total risk-based capital ratio16.1320%3,274
Memoranda:
Average total assets$277,022,4002,309
Average earning assets$244,895,0002,381
Average equity$27,499,2002,342
Average total loans$192,568,8002,224
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4195%2,794
Cost of funding earning assets1.1157%5,343
Net interest margin4.3039%1,839
Noninterest income to average assets0.6759%2,973
Noninterest expense to average assets3.3317%2,477
Loan and lease loss provision to assets0.1903%5,142
Net operating income to assets0.6193%3,796
Return on assets (ROA)0.6193%3,962
Pretax return on assets0.9561%3,345
Return on Equity (ROE)6.3186%3,672
Retained earnings to average equity (ytd only)6.3186%2,192
Net charge-offs to loans0.1157%5,384
Credit loss provision to net charge-offs231.2139%1,481
Earnings coverage of net charge-offs (x)13.9307%1,552
Efficiency ratio73.4226%3,430
Assets per employee ($millions)4.9223%2,286
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.0856%2,037
Loan loss allowance to noncurrent loans1,141.6230%327
Noncurrent assets plus other real estate owned to assets0.7990%5,500
Noncurrent loans to loans0.1827%6,821
Net loans and leases to total assets71.7148%2,313
Net loans and leases to deposits85.3156%2,462
Net loans and leases to core deposits113.0477%884
Total domestic deposits to total assets84.0583%4,100
Equity capital to assets9.8951%4,297
Core capital (leverage) ratio9.8727%3,397
Tier 1 risk-based capital ratio12.6946%4,816
Total risk-based capital ratio13.9565%4,788
Memoranda:
Average total assets$280,293,7502,313
Average earning assets$247,616,0002,398
Average equity$27,473,7502,380
Average total loans$199,445,5002,191
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3540%3,197
Cost of funding earning assets1.1984%5,139
Net interest margin4.1556%2,314
Noninterest income to average assets0.7438%2,436
Noninterest expense to average assets3.3149%2,516
Loan and lease loss provision to assets0.1436%5,464
Net operating income to assets0.6182%3,791
Return on assets (ROA)0.6182%3,925
Pretax return on assets0.9427%3,336
Return on Equity (ROE)6.3274%3,634
Retained earnings to average equity (ytd only)6.3274%2,154
Net charge-offs to loans0.1621%4,648
Credit loss provision to net charge-offs125.7862%3,205
Earnings coverage of net charge-offs (x)9.5157%2,012
Efficiency ratio74.3230%3,408
Assets per employee ($millions)4.6350%2,672
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0484%2,071
Loan loss allowance to noncurrent loans225.0674%1,249
Noncurrent assets plus other real estate owned to assets1.1138%4,903
Noncurrent loans to loans0.9101%5,458
Net loans and leases to total assets73.0052%2,170
Net loans and leases to deposits81.9352%3,284
Net loans and leases to core deposits105.7980%1,468
Total domestic deposits to total assets89.1011%1,377
Equity capital to assets10.1321%3,852
Core capital (leverage) ratio9.8553%3,334
Tier 1 risk-based capital ratio12.8725%4,550
Total risk-based capital ratio14.1328%4,495
Memoranda:
Average total assets$278,559,6702,341
Average earning assets$245,161,6702,439
Average equity$27,215,0002,397
Average total loans$196,226,0002,252
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3547%3,274
Cost of funding earning assets1.2917%4,863
Net interest margin4.0631%2,598
Noninterest income to average assets0.8025%2,006
Noninterest expense to average assets3.3382%2,401
Loan and lease loss provision to assets0.1423%5,127
Net operating income to assets0.5848%3,963
Return on assets (ROA)0.5848%4,108
Pretax return on assets0.8893%3,510
Return on Equity (ROE)6.0960%3,829
Retained earnings to average equity (ytd only)6.0960%2,578
Net charge-offs to loans0.0104%5,444
Credit loss provision to net charge-offs2,000.0000%254
Earnings coverage of net charge-offs (x)145.0000%227
Efficiency ratio75.4152%3,326
Assets per employee ($millions)4.6699%2,688
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.3173%1,550
Loan loss allowance to noncurrent loans135.2095%2,066
Noncurrent assets plus other real estate owned to assets2.4961%2,911
Noncurrent loans to loans1.7139%4,173
Net loans and leases to total assets63.6077%4,405
Net loans and leases to deposits70.9822%5,204
Net loans and leases to core deposits97.4120%2,403
Total domestic deposits to total assets89.6108%1,177
Equity capital to assets9.7118%4,212
Core capital (leverage) ratio9.2096%4,207
Tier 1 risk-based capital ratio13.0257%4,313
Total risk-based capital ratio14.2871%4,280
Memoranda:
Average total assets$281,106,0002,386
Average earning assets$246,809,5002,482
Average equity$26,968,5002,439
Average total loans$192,429,0002,347
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7414%2,902
Cost of funding earning assets1.4713%5,630
Net interest margin4.2702%1,816
Noninterest income to average assets0.7033%2,946
Noninterest expense to average assets4.3331%952
Loan and lease loss provision to assets2.5043%793
Net operating income to assets-1.7761%7,007
Return on assets (ROA)-1.7761%7,002
Pretax return on assets-2.3799%7,102
Return on Equity (ROE)-16.0382%6,991
Retained earnings to average equity (ytd only)-16.0382%6,939
Net charge-offs to loans2.5103%920
Credit loss provision to net charge-offs128.2128%4,025
Earnings coverage of net charge-offs (x)0.0637%6,102
Efficiency ratio77.6473%3,251
Assets per employee ($millions)4.7003%2,614
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.0419%1,936
Loan loss allowance to noncurrent loans72.3311%3,794
Noncurrent assets plus other real estate owned to assets2.0594%3,320
Noncurrent loans to loans2.8231%2,732
Net loans and leases to total assets70.3047%3,183
Net loans and leases to deposits78.1158%4,345
Net loans and leases to core deposits90.8600%5,040
Total domestic deposits to total assets90.0006%959
Equity capital to assets9.4763%4,445
Core capital (leverage) ratio9.2687%4,027
Tier 1 risk-based capital ratio12.4374%4,568
Total risk-based capital ratio13.7022%4,510
Memoranda:
Average total assets$273,292,8002,395
Average earning assets$240,270,6002,498
Average equity$30,265,2002,212
Average total loans$212,640,6002,166
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8058%2,862
Cost of funding earning assets1.5270%5,724
Net interest margin4.2788%1,785
Noninterest income to average assets0.6939%3,058
Noninterest expense to average assets3.2660%3,050
Loan and lease loss provision to assets0.9836%1,948
Net operating income to assets0.1249%5,392
Return on assets (ROA)0.1249%5,457
Pretax return on assets0.1928%5,318
Return on Equity (ROE)1.0872%5,467
Retained earnings to average equity (ytd only)1.0872%4,712
Net charge-offs to loans0.9232%2,124
Credit loss provision to net charge-offs134.2282%3,714
Earnings coverage of net charge-offs (x)1.6054%4,597
Efficiency ratio72.6558%4,115
Assets per employee ($millions)4.8462%2,336
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5012%3,429
Loan loss allowance to noncurrent loans36.0119%6,003
Noncurrent assets plus other real estate owned to assets3.4678%1,925
Noncurrent loans to loans4.1685%1,739
Net loans and leases to total assets75.8462%2,019
Net loans and leases to deposits86.5610%3,212
Net loans and leases to core deposits100.1197%4,360
Total domestic deposits to total assets87.6217%1,839
Equity capital to assets11.7442%2,399
Core capital (leverage) ratio10.6933%2,640
Tier 1 risk-based capital ratio13.7899%3,670
Total risk-based capital ratio15.0128%3,631
Memoranda:
Average total assets$271,111,5002,414
Average earning assets$237,504,2502,546
Average equity$31,150,2502,174
Average total loans$215,199,5002,172
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7860%3,119
Cost of funding earning assets1.5817%5,805
Net interest margin4.2043%1,983
Noninterest income to average assets0.6376%3,427
Noninterest expense to average assets3.3673%2,734
Loan and lease loss provision to assets0.8117%2,063
Net operating income to assets0.0981%5,571
Return on assets (ROA)0.0981%5,664
Pretax return on assets0.1424%5,578
Return on Equity (ROE)0.8606%5,673
Retained earnings to average equity (ytd only)0.8606%4,839
Net charge-offs to loans0.7180%2,261
Credit loss provision to net charge-offs141.0256%3,307
Earnings coverage of net charge-offs (x)1.6577%4,300
Efficiency ratio77.0321%3,510
Assets per employee ($millions)4.7860%2,345
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3629%3,921
Loan loss allowance to noncurrent loans33.9712%6,194
Noncurrent assets plus other real estate owned to assets3.4365%1,816
Noncurrent loans to loans4.0118%1,687
Net loans and leases to total assets78.1840%1,704
Net loans and leases to deposits89.1326%2,969
Net loans and leases to core deposits96.3139%4,867
Total domestic deposits to total assets87.7165%1,921
Equity capital to assets11.6252%2,449
Core capital (leverage) ratio10.3683%2,933
Tier 1 risk-based capital ratio13.6163%3,747
Total risk-based capital ratio14.8688%3,670
Memoranda:
Average total assets$271,020,0002,438
Average earning assets$237,471,0002,548
Average equity$30,909,6702,191
Average total loans$217,275,0002,179
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6070%4,311
Cost of funding earning assets1.6187%5,951
Net interest margin3.9883%2,691
Noninterest income to average assets0.6234%3,394
Noninterest expense to average assets3.3821%2,410
Loan and lease loss provision to assets1.3623%941
Net operating income to assets-0.3791%6,762
Return on assets (ROA)-0.3791%6,841
Pretax return on assets-0.6293%6,924
Return on Equity (ROE)-3.3566%6,816
Retained earnings to average equity (ytd only)-3.3566%6,336
Net charge-offs to loans1.5078%959
Credit loss provision to net charge-offs112.0585%3,455
Earnings coverage of net charge-offs (x)0.6029%4,514
Efficiency ratio81.2522%2,647
Assets per employee ($millions)4.5737%2,604
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1959%4,837
Loan loss allowance to noncurrent loans32.2604%6,393
Noncurrent assets plus other real estate owned to assets3.1279%1,793
Noncurrent loans to loans3.7071%1,681
Net loans and leases to total assets78.1613%1,782
Net loans and leases to deposits102.2723%1,149
Net loans and leases to core deposits109.1500%3,548
Total domestic deposits to total assets76.4247%6,426
Equity capital to assets10.8966%3,077
Core capital (leverage) ratio10.9477%2,544
Tier 1 risk-based capital ratio12.9380%4,219
Total risk-based capital ratio14.1882%4,150
Memoranda:
Average total assets$270,128,0002,460
Average earning assets$236,489,0002,567
Average equity$30,507,5002,230
Average total loans$217,794,5002,193
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8541%1,525
Cost of funding earning assets2.0547%6,217
Net interest margin4.7994%781
Noninterest income to average assets0.6127%3,760
Noninterest expense to average assets3.4367%2,563
Loan and lease loss provision to assets1.0855%1,338
Net operating income to assets0.1410%6,001
Return on assets (ROA)0.1415%5,827
Pretax return on assets0.2223%5,681
Return on Equity (ROE)1.1657%5,870
Retained earnings to average equity (ytd only)-2.8082%6,058
Net charge-offs to loans0.9934%1,248
Credit loss provision to net charge-offs137.1951%3,882
Earnings coverage of net charge-offs (x)1.6519%5,259
Efficiency ratio69.8788%4,377
Assets per employee ($millions)4.0663%3,380
Cash dividends to net income (ytd only)*340.9091%161
Condition Ratios (%)
Loss allowance to loans1.2651%4,019
Loan loss allowance to noncurrent loans61.5944%4,923
Noncurrent assets plus other real estate owned to assets1.9646%2,504
Noncurrent loans to loans2.0540%2,691
Net loans and leases to total assets81.3205%1,353
Net loans and leases to deposits96.6970%2,336
Net loans and leases to core deposits104.1663%4,377
Total domestic deposits to total assets84.0983%3,277
Equity capital to assets11.7476%2,470
Core capital (leverage) ratio10.7900%2,753
Tier 1 risk-based capital ratio12.4866%4,448
Total risk-based capital ratio13.7367%4,350
Memoranda:
Average total assets$248,723,4002,571
Average earning assets$214,091,2002,721
Average equity$30,197,6002,249
Average total loans$198,111,2002,317