Home > Jasper Banking Company > Performance and Condition Ratios
Jasper Banking Company, Performance and Condition Ratios
| 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 | 3.5685% | 6,521 |
| Cost of funding earning assets | 1.3926% | 358 |
| Net interest margin | 2.1760% | 7,051 |
| Noninterest income to average assets | -1.2828% | 7,229 |
| Noninterest expense to average assets | 2.8933% | 3,647 |
| Loan and lease loss provision to assets | 2.4512% | 91 |
| Net operating income to assets | -6.1659% | 7,221 |
| Return on assets (ROA) | -4.9477% | 7,211 |
| Pretax return on assets | -3.6224% | 7,178 |
| Return on Equity (ROE) | -264.6970% | 7,238 |
| Retained earnings to average equity (ytd only) | -264.6970% | 7,238 |
| Net charge-offs to loans | 3.0952% | 186 |
| Credit loss provision to net charge-offs | 162.7451% | 1,711 |
| Earnings coverage of net charge-offs (x) | -1.5864% | 5,359 |
| Efficiency ratio | 574.1758% | 5 |
| Assets per employee ($millions) | 4.9208% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5275% | 225 |
| Loan loss allowance to noncurrent loans | 18.9484% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 24.9448% | 12 |
| Noncurrent loans to loans | 23.8938% | 23 |
| Net loans and leases to total assets | 46.7717% | 5,746 |
| Net loans and leases to deposits | 47.3291% | 6,353 |
| Net loans and leases to core deposits | 48.6076% | 6,424 |
| Total domestic deposits to total assets | 98.8223% | 3 |
| Equity capital to assets | 0.8472% | 7,235 |
| Core capital (leverage) ratio | 0.3951% | 7,240 |
| Tier 1 risk-based capital ratio | 0.6763% | 7,240 |
| Total risk-based capital ratio | 1.0848% | 7,240 |
| Memoranda: | ||
| Average total assets | $216,706,670 | 2,906 |
| Average earning assets | $177,944,000 | 3,165 |
| Average equity | $4,050,670 | 6,663 |
| Average total loans | $105,452,330 | 3,447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 6,560 |
| Cost of funding earning assets | 1.4812% | 317 |
| Net interest margin | 2.1331% | 7,119 |
| Noninterest income to average assets | -2.9983% | 7,305 |
| Noninterest expense to average assets | 2.4986% | 5,155 |
| Loan and lease loss provision to assets | 3.2581% | 61 |
| Net operating income to assets | -7.0195% | 7,286 |
| Return on assets (ROA) | -4.8745% | 7,270 |
| Pretax return on assets | -4.8745% | 7,267 |
| Return on Equity (ROE) | -207.8262% | 7,286 |
| Retained earnings to average equity (ytd only) | -207.8262% | 7,283 |
| Net charge-offs to loans | 2.9306% | 249 |
| Credit loss provision to net charge-offs | 229.1878% | 1,223 |
| Earnings coverage of net charge-offs (x) | -2.6459% | 4,636 |
| Efficiency ratio | -197.8571% | 7,300 |
| Assets per employee ($millions) | 4.9245% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3263% | 283 |
| Loan loss allowance to noncurrent loans | 18.3237% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 24.3178% | 20 |
| Noncurrent loans to loans | 23.6101% | 25 |
| Net loans and leases to total assets | 46.7244% | 5,706 |
| Net loans and leases to deposits | 47.5029% | 6,321 |
| Net loans and leases to core deposits | 49.1535% | 6,384 |
| Total domestic deposits to total assets | 98.3612% | 4 |
| Equity capital to assets | 1.5719% | 7,292 |
| Core capital (leverage) ratio | 1.5359% | 7,294 |
| Tier 1 risk-based capital ratio | 2.6510% | 7,287 |
| Total risk-based capital ratio | 3.6250% | 7,295 |
| Memoranda: | ||
| Average total assets | $221,724,000 | 2,869 |
| Average earning assets | $180,398,500 | 3,140 |
| Average equity | $5,200,500 | 6,365 |
| Average total loans | $107,554,500 | 3,422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 5,882 |
| Cost of funding earning assets | 1.6758% | 353 |
| Net interest margin | 2.5851% | 7,011 |
| Noninterest income to average assets | -1.6251% | 7,342 |
| Noninterest expense to average assets | 2.8411% | 4,194 |
| Loan and lease loss provision to assets | 0.8074% | 1,211 |
| Net operating income to assets | -4.3286% | 7,271 |
| Return on assets (ROA) | -3.8718% | 7,253 |
| Pretax return on assets | -2.7295% | 7,152 |
| Return on Equity (ROE) | -71.8953% | 7,279 |
| Retained earnings to average equity (ytd only) | -71.8953% | 7,279 |
| Net charge-offs to loans | 1.2315% | 1,358 |
| Credit loss provision to net charge-offs | 128.4091% | 2,411 |
| Earnings coverage of net charge-offs (x) | -3.7834% | 6,348 |
| Efficiency ratio | 614.6860% | 8 |
| Assets per employee ($millions) | 5.0394% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2574% | 644 |
| Loan loss allowance to noncurrent loans | 14.0523% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 23.6415% | 28 |
| Noncurrent loans to loans | 23.1805% | 30 |
| Net loans and leases to total assets | 46.6241% | 5,952 |
| Net loans and leases to deposits | 48.2248% | 6,484 |
| Net loans and leases to core deposits | 49.0504% | 6,588 |
| Total domestic deposits to total assets | 96.6808% | 26 |
| Equity capital to assets | 3.0846% | 7,272 |
| Core capital (leverage) ratio | 2.8535% | 7,277 |
| Tier 1 risk-based capital ratio | 4.4662% | 7,263 |
| Total risk-based capital ratio | 5.4981% | 7,273 |
| Memoranda: | ||
| Average total assets | $223,927,000 | 2,797 |
| Average earning assets | $180,807,600 | 3,080 |
| Average equity | $12,059,200 | 4,536 |
| Average total loans | $114,331,200 | 3,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 5,661 |
| Cost of funding earning assets | 1.7467% | 318 |
| Net interest margin | 2.6369% | 7,045 |
| Noninterest income to average assets | -0.8261% | 7,394 |
| Noninterest expense to average assets | 2.9143% | 3,869 |
| Loan and lease loss provision to assets | 0.8786% | 1,034 |
| Net operating income to assets | -2.5099% | 7,208 |
| Return on assets (ROA) | -1.8989% | 7,132 |
| Pretax return on assets | -1.8989% | 7,104 |
| Return on Equity (ROE) | -31.8085% | 7,205 |
| Retained earnings to average equity (ytd only) | -31.8085% | 7,198 |
| Net charge-offs to loans | 0.6794% | 2,217 |
| Credit loss provision to net charge-offs | 249.7453% | 1,149 |
| Earnings coverage of net charge-offs (x) | -4.6367% | 6,093 |
| Efficiency ratio | 227.1415% | 33 |
| Assets per employee ($millions) | 4.6980% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5767% | 532 |
| Loan loss allowance to noncurrent loans | 23.1024% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 22.4917% | 33 |
| Noncurrent loans to loans | 15.4818% | 129 |
| Net loans and leases to total assets | 51.5432% | 5,503 |
| Net loans and leases to deposits | 55.0814% | 6,117 |
| Net loans and leases to core deposits | 56.9615% | 6,225 |
| Total domestic deposits to total assets | 93.5765% | 102 |
| Equity capital to assets | 6.0016% | 7,184 |
| Core capital (leverage) ratio | 4.8305% | 7,252 |
| Tier 1 risk-based capital ratio | 7.1659% | 7,235 |
| Total risk-based capital ratio | 8.2026% | 7,247 |
| Memoranda: | ||
| Average total assets | $223,216,000 | 2,815 |
| Average earning assets | $178,540,000 | 3,135 |
| Average equity | $13,325,250 | 4,285 |
| Average total loans | $115,591,500 | 3,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 5,726 |
| Cost of funding earning assets | 1.7825% | 337 |
| Net interest margin | 2.6088% | 7,112 |
| Noninterest income to average assets | -0.1356% | 7,307 |
| Noninterest expense to average assets | 2.7656% | 4,563 |
| Loan and lease loss provision to assets | 0.6604% | 1,456 |
| Net operating income to assets | -1.4766% | 7,089 |
| Return on assets (ROA) | -1.2969% | 7,042 |
| Pretax return on assets | -1.2969% | 6,993 |
| Return on Equity (ROE) | -21.7615% | 7,166 |
| Retained earnings to average equity (ytd only) | -21.7615% | 7,153 |
| Net charge-offs to loans | 0.6732% | 2,154 |
| Credit loss provision to net charge-offs | 191.3265% | 1,578 |
| Earnings coverage of net charge-offs (x) | -2.3648% | 5,729 |
| Efficiency ratio | 141.8699% | 188 |
| Assets per employee ($millions) | 3.9752% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0837% | 828 |
| Loan loss allowance to noncurrent loans | 19.0760% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 23.1943% | 38 |
| Noncurrent loans to loans | 16.1651% | 112 |
| Net loans and leases to total assets | 50.5713% | 5,743 |
| Net loans and leases to deposits | 54.6596% | 6,257 |
| Net loans and leases to core deposits | 57.0465% | 6,345 |
| Total domestic deposits to total assets | 92.5204% | 157 |
| Equity capital to assets | 6.4015% | 7,203 |
| Core capital (leverage) ratio | 5.0783% | 7,296 |
| Tier 1 risk-based capital ratio | 7.2433% | 7,299 |
| Total risk-based capital ratio | 8.2801% | 7,312 |
| Memoranda: | ||
| Average total assets | $227,151,000 | 2,782 |
| Average earning assets | $181,542,670 | 3,104 |
| Average equity | $13,537,670 | 4,216 |
| Average total loans | $116,452,000 | 3,310 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 5,976 |
| Cost of funding earning assets | 1.8010% | 376 |
| Net interest margin | 2.5137% | 7,187 |
| Noninterest income to average assets | 0.2420% | 5,964 |
| Noninterest expense to average assets | 2.6464% | 5,052 |
| Loan and lease loss provision to assets | 1.6421% | 370 |
| Net operating income to assets | -2.0103% | 7,283 |
| Return on assets (ROA) | -1.8789% | 7,265 |
| Pretax return on assets | -1.8789% | 7,235 |
| Return on Equity (ROE) | -32.6708% | 7,342 |
| Retained earnings to average equity (ytd only) | -32.6708% | 7,318 |
| Net charge-offs to loans | 1.3261% | 1,043 |
| Credit loss provision to net charge-offs | 243.5897% | 1,282 |
| Earnings coverage of net charge-offs (x) | -0.5462% | 4,808 |
| Efficiency ratio | 116.1608% | 393 |
| Assets per employee ($millions) | 4.1148% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1857% | 773 |
| Loan loss allowance to noncurrent loans | 22.3908% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 20.7377% | 57 |
| Noncurrent loans to loans | 14.2276% | 178 |
| Net loans and leases to total assets | 49.9545% | 5,856 |
| Net loans and leases to deposits | 52.9150% | 6,398 |
| Net loans and leases to core deposits | 55.2116% | 6,471 |
| Total domestic deposits to total assets | 94.4051% | 64 |
| Equity capital to assets | 5.4266% | 7,344 |
| Core capital (leverage) ratio | 5.3783% | 7,322 |
| Tier 1 risk-based capital ratio | 7.9427% | 7,300 |
| Total risk-based capital ratio | 8.9865% | 7,317 |
| Memoranda: | ||
| Average total assets | $231,408,500 | 2,762 |
| Average earning assets | $187,451,000 | 3,046 |
| Average equity | $13,308,500 | 4,266 |
| Average total loans | $117,635,500 | 3,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 6,204 |
| Cost of funding earning assets | 2.1818% | 322 |
| Net interest margin | 2.3819% | 7,328 |
| Noninterest income to average assets | -0.8606% | 7,613 |
| Noninterest expense to average assets | 2.4106% | 6,071 |
| Loan and lease loss provision to assets | 1.5581% | 939 |
| Net operating income to assets | -1.4292% | 6,890 |
| Return on assets (ROA) | -1.2500% | 6,829 |
| Pretax return on assets | -2.5052% | 7,164 |
| Return on Equity (ROE) | -17.5612% | 6,990 |
| Retained earnings to average equity (ytd only) | -17.5612% | 6,958 |
| Net charge-offs to loans | 3.0919% | 522 |
| Credit loss provision to net charge-offs | 92.2818% | 5,026 |
| Earnings coverage of net charge-offs (x) | -0.7269% | 6,533 |
| Efficiency ratio | 203.7050% | 88 |
| Assets per employee ($millions) | 4.3001% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 1,207 |
| Loan loss allowance to noncurrent loans | 15.9148% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 21.1873% | 56 |
| Noncurrent loans to loans | 16.7615% | 114 |
| Net loans and leases to total assets | 48.7673% | 6,299 |
| Net loans and leases to deposits | 51.9592% | 6,746 |
| Net loans and leases to core deposits | 54.4163% | 6,788 |
| Total domestic deposits to total assets | 93.8568% | 94 |
| Equity capital to assets | 6.0616% | 7,335 |
| Core capital (leverage) ratio | 6.2985% | 7,245 |
| Tier 1 risk-based capital ratio | 9.0438% | 7,237 |
| Total risk-based capital ratio | 10.0924% | 7,279 |
| Memoranda: | ||
| Average total assets | $246,328,600 | 2,582 |
| Average earning assets | $211,388,200 | 2,738 |
| Average equity | $17,533,000 | 3,502 |
| Average total loans | $134,512,600 | 3,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 5,672 |
| Cost of funding earning assets | 2.2568% | 317 |
| Net interest margin | 2.5393% | 7,350 |
| Noninterest income to average assets | 0.3082% | 5,687 |
| Noninterest expense to average assets | 2.3104% | 6,292 |
| Loan and lease loss provision to assets | 0.6694% | 2,285 |
| Net operating income to assets | -0.5483% | 6,626 |
| Return on assets (ROA) | -0.1785% | 6,365 |
| Pretax return on assets | -0.0959% | 6,218 |
| Return on Equity (ROE) | -2.4219% | 6,445 |
| Retained earnings to average equity (ytd only) | -2.4219% | 6,271 |
| Net charge-offs to loans | 1.2147% | 1,684 |
| Credit loss provision to net charge-offs | 98.9699% | 4,405 |
| Earnings coverage of net charge-offs (x) | 0.3011% | 5,727 |
| Efficiency ratio | 91.8994% | 1,136 |
| Assets per employee ($millions) | 4.0917% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7937% | 1,007 |
| Loan loss allowance to noncurrent loans | 21.4312% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 20.3681% | 56 |
| Noncurrent loans to loans | 13.0358% | 228 |
| Net loans and leases to total assets | 52.6624% | 6,018 |
| Net loans and leases to deposits | 57.6593% | 6,489 |
| Net loans and leases to core deposits | 60.7753% | 6,552 |
| Total domestic deposits to total assets | 91.3339% | 350 |
| Equity capital to assets | 8.0556% | 6,752 |
| Core capital (leverage) ratio | 7.2562% | 7,030 |
| Tier 1 risk-based capital ratio | 10.6868% | 6,644 |
| Total risk-based capital ratio | 11.7443% | 6,771 |
| Memoranda: | ||
| Average total assets | $248,784,500 | 2,588 |
| Average earning assets | $216,114,250 | 2,711 |
| Average equity | $18,332,250 | 3,421 |
| Average total loans | $138,516,250 | 3,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 6,103 |
| Cost of funding earning assets | 2.2333% | 418 |
| Net interest margin | 2.4793% | 7,430 |
| Noninterest income to average assets | 0.2694% | 5,995 |
| Noninterest expense to average assets | 2.1720% | 6,716 |
| Loan and lease loss provision to assets | 0.2350% | 4,564 |
| Net operating income to assets | 0.0299% | 6,038 |
| Return on assets (ROA) | 0.1762% | 5,771 |
| Pretax return on assets | 0.2937% | 5,515 |
| Return on Equity (ROE) | 2.4603% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.4603% | 4,584 |
| Net charge-offs to loans | 0.3894% | 3,419 |
| Credit loss provision to net charge-offs | 107.5269% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.3728% | 4,457 |
| Efficiency ratio | 87.8644% | 1,518 |
| Assets per employee ($millions) | 4.1421% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4656% | 1,346 |
| Loan loss allowance to noncurrent loans | 15.3779% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 15.5449% | 125 |
| Noncurrent loans to loans | 16.0336% | 145 |
| Net loans and leases to total assets | 55.7410% | 5,740 |
| Net loans and leases to deposits | 62.8199% | 6,155 |
| Net loans and leases to core deposits | 66.4755% | 6,204 |
| Total domestic deposits to total assets | 88.7316% | 1,586 |
| Equity capital to assets | 7.6286% | 7,037 |
| Core capital (leverage) ratio | 7.1581% | 7,093 |
| Tier 1 risk-based capital ratio | 10.7042% | 6,528 |
| Total risk-based capital ratio | 11.7670% | 6,662 |
| Memoranda: | ||
| Average total assets | $255,335,000 | 2,549 |
| Average earning assets | $226,840,330 | 2,611 |
| Average equity | $18,290,330 | 3,416 |
| Average total loans | $143,310,000 | 2,951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 4,090 |
| Cost of funding earning assets | 2.3243% | 398 |
| Net interest margin | 2.8636% | 7,080 |
| Noninterest income to average assets | 0.2010% | 6,527 |
| Noninterest expense to average assets | 2.1427% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4097% | 4,795 |
| Return on assets (ROA) | 0.4097% | 4,942 |
| Pretax return on assets | 0.6029% | 4,590 |
| Return on Equity (ROE) | 5.9033% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,665 |
| Net charge-offs to loans | 0.3640% | 2,959 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.9771% | 3,064 |
| Efficiency ratio | 78.0405% | 2,889 |
| Assets per employee ($millions) | 4.3382% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3220% | 1,539 |
| Loan loss allowance to noncurrent loans | 38.9716% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 9.4658% | 440 |
| Noncurrent loans to loans | 5.9581% | 1,109 |
| Net loans and leases to total assets | 55.0584% | 5,882 |
| Net loans and leases to deposits | 60.9444% | 6,370 |
| Net loans and leases to core deposits | 64.3349% | 6,430 |
| Total domestic deposits to total assets | 90.3419% | 810 |
| Equity capital to assets | 7.1615% | 7,305 |
| Core capital (leverage) ratio | 6.9262% | 7,294 |
| Tier 1 risk-based capital ratio | 10.4846% | 6,645 |
| Total risk-based capital ratio | 11.5504% | 6,802 |
| Memoranda: | ||
| Average total assets | $258,739,500 | 2,573 |
| Average earning assets | $229,922,500 | 2,645 |
| Average equity | $17,956,000 | 3,492 |
| Average total loans | $143,948,500 | 3,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1346% | 5,943 |
| Cost of funding earning assets | 2.8113% | 431 |
| Net interest margin | 2.3233% | 7,571 |
| Noninterest income to average assets | -0.0616% | 7,770 |
| Noninterest expense to average assets | 2.3813% | 6,521 |
| Loan and lease loss provision to assets | 1.1257% | 2,026 |
| Net operating income to assets | -0.9949% | 6,575 |
| Return on assets (ROA) | -0.9146% | 6,523 |
| Pretax return on assets | -1.3251% | 6,607 |
| Return on Equity (ROE) | -11.9849% | 6,766 |
| Retained earnings to average equity (ytd only) | -11.9849% | 6,680 |
| Net charge-offs to loans | 0.8492% | 2,702 |
| Credit loss provision to net charge-offs | 214.7590% | 1,781 |
| Earnings coverage of net charge-offs (x) | -0.6024% | 6,754 |
| Efficiency ratio | 115.2876% | 680 |
| Assets per employee ($millions) | 4.0235% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4244% | 1,327 |
| Loan loss allowance to noncurrent loans | 44.1710% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 9.0304% | 445 |
| Noncurrent loans to loans | 5.4886% | 1,181 |
| Net loans and leases to total assets | 53.5861% | 6,233 |
| Net loans and leases to deposits | 59.0385% | 6,701 |
| Net loans and leases to core deposits | 84.4667% | 5,677 |
| Total domestic deposits to total assets | 90.7646% | 634 |
| Equity capital to assets | 6.7228% | 7,491 |
| Core capital (leverage) ratio | 6.8027% | 7,365 |
| Tier 1 risk-based capital ratio | 10.2373% | 6,650 |
| Total risk-based capital ratio | 11.5019% | 6,605 |
| Memoranda: | ||
| Average total assets | $253,347,400 | 2,573 |
| Average earning assets | $231,954,600 | 2,579 |
| Average equity | $19,332,600 | 3,302 |
| Average total loans | $156,376,200 | 2,825 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 5,222 |
| Cost of funding earning assets | 2.8889% | 480 |
| Net interest margin | 2.4511% | 7,511 |
| Noninterest income to average assets | 0.1629% | 7,036 |
| Noninterest expense to average assets | 2.2432% | 6,860 |
| Loan and lease loss provision to assets | 0.5306% | 3,261 |
| Net operating income to assets | -0.3470% | 6,262 |
| Return on assets (ROA) | -0.3040% | 6,217 |
| Pretax return on assets | -0.3040% | 6,102 |
| Return on Equity (ROE) | -3.8643% | 6,330 |
| Retained earnings to average equity (ytd only) | -3.8643% | 6,093 |
| Net charge-offs to loans | 0.2532% | 4,466 |
| Credit loss provision to net charge-offs | 330.0330% | 1,247 |
| Earnings coverage of net charge-offs (x) | 1.1419% | 4,921 |
| Efficiency ratio | 92.4355% | 1,510 |
| Assets per employee ($millions) | 3.9323% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 2,764 |
| Loan loss allowance to noncurrent loans | 49.0301% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 5.3146% | 1,094 |
| Noncurrent loans to loans | 3.3885% | 2,225 |
| Net loans and leases to total assets | 61.4596% | 5,334 |
| Net loans and leases to deposits | 68.4933% | 6,087 |
| Net loans and leases to core deposits | 100.9985% | 4,266 |
| Total domestic deposits to total assets | 89.7308% | 874 |
| Equity capital to assets | 7.7762% | 7,061 |
| Core capital (leverage) ratio | 7.7228% | 6,702 |
| Tier 1 risk-based capital ratio | 11.0394% | 5,908 |
| Total risk-based capital ratio | 12.2913% | 5,868 |
| Memoranda: | ||
| Average total assets | $251,302,500 | 2,610 |
| Average earning assets | $232,103,750 | 2,596 |
| Average equity | $19,770,250 | 3,279 |
| Average total loans | $159,564,250 | 2,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 5,226 |
| Cost of funding earning assets | 2.9536% | 532 |
| Net interest margin | 2.4320% | 7,546 |
| Noninterest income to average assets | 0.3186% | 5,955 |
| Noninterest expense to average assets | 2.2764% | 6,832 |
| Loan and lease loss provision to assets | 0.8004% | 2,090 |
| Net operating income to assets | -0.5187% | 6,564 |
| Return on assets (ROA) | -0.5187% | 6,573 |
| Pretax return on assets | -0.5187% | 6,449 |
| Return on Equity (ROE) | -6.5670% | 6,767 |
| Retained earnings to average equity (ytd only) | -6.5670% | 6,519 |
| Net charge-offs to loans | 0.0552% | 5,720 |
| Credit loss provision to net charge-offs | 2,272.7273% | 232 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 88.9862% | 1,907 |
| Assets per employee ($millions) | 4.0994% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,026 |
| Loan loss allowance to noncurrent loans | 41.0166% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 2,147 |
| Noncurrent loans to loans | 4.4044% | 1,470 |
| Net loans and leases to total assets | 59.4213% | 5,775 |
| Net loans and leases to deposits | 65.8901% | 6,402 |
| Net loans and leases to core deposits | 94.4911% | 5,059 |
| Total domestic deposits to total assets | 90.1824% | 754 |
| Equity capital to assets | 7.1628% | 7,511 |
| Core capital (leverage) ratio | 7.7392% | 6,693 |
| Tier 1 risk-based capital ratio | 11.1271% | 5,744 |
| Total risk-based capital ratio | 12.3733% | 5,663 |
| Memoranda: | ||
| Average total assets | $249,870,330 | 2,637 |
| Average earning assets | $230,095,670 | 2,631 |
| Average equity | $19,735,000 | 3,285 |
| Average total loans | $159,504,330 | 2,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 5,360 |
| Cost of funding earning assets | 3.0312% | 566 |
| Net interest margin | 2.3813% | 7,638 |
| Noninterest income to average assets | 0.3577% | 5,585 |
| Noninterest expense to average assets | 2.0880% | 7,145 |
| Loan and lease loss provision to assets | 1.6558% | 750 |
| Net operating income to assets | -1.1657% | 7,346 |
| Return on assets (ROA) | -1.1657% | 7,356 |
| Pretax return on assets | -1.1657% | 7,236 |
| Return on Equity (ROE) | -14.0382% | 7,566 |
| Retained earnings to average equity (ytd only) | -14.0382% | 7,383 |
| Net charge-offs to loans | 0.0378% | 4,979 |
| Credit loss provision to net charge-offs | 6,666.6667% | 105 |
| Earnings coverage of net charge-offs (x) | 19.7333% | 1,408 |
| Efficiency ratio | 80.9891% | 2,675 |
| Assets per employee ($millions) | 3.7101% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 1,734 |
| Loan loss allowance to noncurrent loans | 44.8886% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0205% | 1,868 |
| Noncurrent loans to loans | 4.1280% | 1,446 |
| Net loans and leases to total assets | 64.6165% | 4,884 |
| Net loans and leases to deposits | 72.4331% | 5,690 |
| Net loans and leases to core deposits | 108.9372% | 3,569 |
| Total domestic deposits to total assets | 89.2086% | 1,139 |
| Equity capital to assets | 8.1247% | 6,642 |
| Core capital (leverage) ratio | 8.0165% | 6,419 |
| Tier 1 risk-based capital ratio | 11.7619% | 5,160 |
| Total risk-based capital ratio | 13.0170% | 5,075 |
| Memoranda: | ||
| Average total assets | $241,575,500 | 2,755 |
| Average earning assets | $225,259,000 | 2,703 |
| Average equity | $20,059,500 | 3,250 |
| Average total loans | $158,633,000 | 2,870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0736% | 5,185 |
| Cost of funding earning assets | 3.5022% | 516 |
| Net interest margin | 2.5713% | 7,674 |
| Noninterest income to average assets | 0.2478% | 6,676 |
| Noninterest expense to average assets | 2.3631% | 6,528 |
| Loan and lease loss provision to assets | 0.3953% | 3,320 |
| Net operating income to assets | 0.0312% | 6,279 |
| Return on assets (ROA) | 0.0434% | 6,106 |
| Pretax return on assets | -0.0587% | 6,220 |
| Return on Equity (ROE) | 0.5343% | 6,061 |
| Retained earnings to average equity (ytd only) | -3.0758% | 6,128 |
| Net charge-offs to loans | 0.6588% | 1,883 |
| Credit loss provision to net charge-offs | 96.9290% | 5,484 |
| Earnings coverage of net charge-offs (x) | 0.7783% | 5,761 |
| Efficiency ratio | 88.1571% | 1,667 |
| Assets per employee ($millions) | 3.7230% | 4,123 |
| Cash dividends to net income (ytd only)* | 675.6757% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,009 |
| Loan loss allowance to noncurrent loans | 31.1898% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 2.9430% | 1,570 |
| Noncurrent loans to loans | 4.0619% | 1,209 |
| Net loans and leases to total assets | 64.6664% | 5,138 |
| Net loans and leases to deposits | 73.0896% | 5,940 |
| Net loans and leases to core deposits | 109.1101% | 3,855 |
| Total domestic deposits to total assets | 88.4754% | 1,266 |
| Equity capital to assets | 8.4820% | 6,118 |
| Core capital (leverage) ratio | 8.0705% | 6,373 |
| Tier 1 risk-based capital ratio | 11.8989% | 4,901 |
| Total risk-based capital ratio | 13.0696% | 4,870 |
| Memoranda: | ||
| Average total assets | $255,470,600 | 2,505 |
| Average earning assets | $241,703,400 | 2,440 |
| Average equity | $20,775,000 | 3,123 |
| Average total loans | $158,164,800 | 2,798 |