Home > KeySource Commercial Bank > Performance and Condition Ratios
KeySource Commercial Bank, 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 | 4.7711% | 2,635 |
| Cost of funding earning assets | 1.3560% | 415 |
| Net interest margin | 3.4151% | 5,022 |
| Noninterest income to average assets | 0.9038% | 1,774 |
| Noninterest expense to average assets | 3.2088% | 2,559 |
| Loan and lease loss provision to assets | 1.8651% | 166 |
| Net operating income to assets | -0.5901% | 6,775 |
| Return on assets (ROA) | -0.6938% | 6,853 |
| Pretax return on assets | -1.1295% | 6,929 |
| Return on Equity (ROE) | -5.9305% | 6,797 |
| Retained earnings to average equity (ytd only) | -5.9305% | 6,668 |
| Net charge-offs to loans | 2.4703% | 287 |
| Credit loss provision to net charge-offs | 97.8082% | 2,833 |
| Earnings coverage of net charge-offs (x) | 0.4707% | 4,840 |
| Efficiency ratio | 78.1425% | 2,442 |
| Assets per employee ($millions) | 6.7728% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 3,474 |
| Loan loss allowance to noncurrent loans | 28.0000% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 4.7658% | 1,013 |
| Noncurrent loans to loans | 5.8465% | 775 |
| Net loans and leases to total assets | 75.6729% | 1,006 |
| Net loans and leases to deposits | 90.5279% | 1,091 |
| Net loans and leases to core deposits | 133.6630% | 185 |
| Total domestic deposits to total assets | 83.5907% | 4,491 |
| Equity capital to assets | 12.0011% | 2,147 |
| Core capital (leverage) ratio | 11.1113% | 2,194 |
| Tier 1 risk-based capital ratio | 14.3069% | 4,237 |
| Total risk-based capital ratio | 17.9093% | 2,776 |
| Memoranda: | ||
| Average total assets | $191,411,000 | 3,198 |
| Average earning assets | $179,498,000 | 3,140 |
| Average equity | $22,392,670 | 2,936 |
| Average total loans | $147,756,000 | 2,648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 2,924 |
| Cost of funding earning assets | 1.3537% | 504 |
| Net interest margin | 3.3777% | 5,206 |
| Noninterest income to average assets | 1.1304% | 1,101 |
| Noninterest expense to average assets | 3.0866% | 2,965 |
| Loan and lease loss provision to assets | 0.4047% | 1,563 |
| Net operating income to assets | 0.5002% | 4,831 |
| Return on assets (ROA) | 0.4845% | 5,091 |
| Pretax return on assets | 0.7870% | 4,465 |
| Return on Equity (ROE) | 4.1917% | 5,203 |
| Retained earnings to average equity (ytd only) | 4.1917% | 4,074 |
| Net charge-offs to loans | 0.1454% | 3,226 |
| Credit loss provision to net charge-offs | 360.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 10.8182% | 1,727 |
| Efficiency ratio | 71.7340% | 3,491 |
| Assets per employee ($millions) | 6.7232% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,475 |
| Loan loss allowance to noncurrent loans | 22.3220% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 5.9423% | 797 |
| Noncurrent loans to loans | 7.4708% | 564 |
| Net loans and leases to total assets | 75.1828% | 896 |
| Net loans and leases to deposits | 92.8195% | 740 |
| Net loans and leases to core deposits | 146.9824% | 118 |
| Total domestic deposits to total assets | 80.9990% | 5,610 |
| Equity capital to assets | 11.6528% | 2,299 |
| Core capital (leverage) ratio | 11.4074% | 1,956 |
| Tier 1 risk-based capital ratio | 14.0967% | 4,402 |
| Total risk-based capital ratio | 17.5725% | 2,964 |
| Memoranda: | ||
| Average total assets | $195,683,500 | 3,161 |
| Average earning assets | $183,792,000 | 3,096 |
| Average equity | $22,616,000 | 2,896 |
| Average total loans | $151,292,500 | 2,612 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 3,899 |
| Cost of funding earning assets | 1.5160% | 671 |
| Net interest margin | 3.2648% | 5,920 |
| Noninterest income to average assets | 0.7639% | 2,267 |
| Noninterest expense to average assets | 2.7173% | 4,680 |
| Loan and lease loss provision to assets | 0.6721% | 1,524 |
| Net operating income to assets | 0.2716% | 5,363 |
| Return on assets (ROA) | 0.2297% | 5,633 |
| Pretax return on assets | 0.4180% | 5,233 |
| Return on Equity (ROE) | 2.3149% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.3149% | 4,566 |
| Net charge-offs to loans | 1.0830% | 1,595 |
| Credit loss provision to net charge-offs | 80.4507% | 4,429 |
| Earnings coverage of net charge-offs (x) | 1.3831% | 4,733 |
| Efficiency ratio | 70.1629% | 3,910 |
| Assets per employee ($millions) | 7.0140% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,906 |
| Loan loss allowance to noncurrent loans | 21.5945% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 5.7823% | 874 |
| Noncurrent loans to loans | 7.0679% | 625 |
| Net loans and leases to total assets | 76.9727% | 829 |
| Net loans and leases to deposits | 98.0961% | 555 |
| Net loans and leases to core deposits | 160.2198% | 109 |
| Total domestic deposits to total assets | 78.4666% | 6,100 |
| Equity capital to assets | 11.4627% | 2,534 |
| Core capital (leverage) ratio | 11.0588% | 2,223 |
| Tier 1 risk-based capital ratio | 14.1261% | 4,236 |
| Total risk-based capital ratio | 17.6303% | 2,845 |
| Memoranda: | ||
| Average total assets | $212,457,400 | 2,914 |
| Average earning assets | $202,306,400 | 2,821 |
| Average equity | $21,081,000 | 3,000 |
| Average total loans | $163,898,600 | 2,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 4,282 |
| Cost of funding earning assets | 1.5505% | 718 |
| Net interest margin | 3.1893% | 6,186 |
| Noninterest income to average assets | 0.7742% | 2,173 |
| Noninterest expense to average assets | 2.6090% | 5,044 |
| Loan and lease loss provision to assets | 0.7871% | 1,190 |
| Net operating income to assets | 0.2277% | 5,626 |
| Return on assets (ROA) | 0.1780% | 5,882 |
| Pretax return on assets | 0.3474% | 5,609 |
| Return on Equity (ROE) | 1.8594% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.8594% | 5,212 |
| Net charge-offs to loans | 1.3990% | 1,074 |
| Credit loss provision to net charge-offs | 73.1540% | 4,378 |
| Earnings coverage of net charge-offs (x) | 1.1265% | 4,783 |
| Efficiency ratio | 68.2785% | 4,266 |
| Assets per employee ($millions) | 7.0963% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,505 |
| Loan loss allowance to noncurrent loans | 20.9568% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 5.6153% | 980 |
| Noncurrent loans to loans | 6.7389% | 757 |
| Net loans and leases to total assets | 75.3404% | 1,086 |
| Net loans and leases to deposits | 93.4795% | 881 |
| Net loans and leases to core deposits | 159.5731% | 113 |
| Total domestic deposits to total assets | 80.5956% | 5,567 |
| Equity capital to assets | 10.8565% | 3,281 |
| Core capital (leverage) ratio | 10.4738% | 2,897 |
| Tier 1 risk-based capital ratio | 13.5716% | 4,685 |
| Total risk-based capital ratio | 17.0052% | 3,209 |
| Memoranda: | ||
| Average total assets | $216,473,500 | 2,887 |
| Average earning assets | $206,814,750 | 2,771 |
| Average equity | $20,723,250 | 3,048 |
| Average total loans | $166,495,250 | 2,424 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 4,350 |
| Cost of funding earning assets | 1.5860% | 738 |
| Net interest margin | 3.1540% | 6,275 |
| Noninterest income to average assets | 0.8435% | 1,826 |
| Noninterest expense to average assets | 2.6996% | 4,825 |
| Loan and lease loss provision to assets | 0.7508% | 1,242 |
| Net operating income to assets | 0.2060% | 5,719 |
| Return on assets (ROA) | 0.1618% | 5,949 |
| Pretax return on assets | 0.3481% | 5,551 |
| Return on Equity (ROE) | 1.7638% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.7638% | 5,115 |
| Net charge-offs to loans | 1.9178% | 708 |
| Credit loss provision to net charge-offs | 50.7995% | 4,564 |
| Earnings coverage of net charge-offs (x) | 0.7903% | 4,706 |
| Efficiency ratio | 69.8002% | 4,153 |
| Assets per employee ($millions) | 7.4836% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,733 |
| Loan loss allowance to noncurrent loans | 21.8245% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 4.4198% | 1,428 |
| Noncurrent loans to loans | 5.3051% | 1,210 |
| Net loans and leases to total assets | 74.3465% | 1,353 |
| Net loans and leases to deposits | 91.0106% | 1,155 |
| Net loans and leases to core deposits | 151.2359% | 142 |
| Total domestic deposits to total assets | 81.6900% | 5,277 |
| Equity capital to assets | 10.0289% | 4,108 |
| Core capital (leverage) ratio | 9.5863% | 3,833 |
| Tier 1 risk-based capital ratio | 12.7970% | 5,097 |
| Total risk-based capital ratio | 16.2853% | 3,447 |
| Memoranda: | ||
| Average total assets | $220,033,330 | 2,865 |
| Average earning assets | $210,973,330 | 2,750 |
| Average equity | $20,183,670 | 3,097 |
| Average total loans | $169,571,330 | 2,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 3,759 |
| Cost of funding earning assets | 1.5526% | 970 |
| Net interest margin | 3.3102% | 5,737 |
| Noninterest income to average assets | 0.6247% | 3,007 |
| Noninterest expense to average assets | 2.5025% | 5,540 |
| Loan and lease loss provision to assets | 0.8053% | 1,047 |
| Net operating income to assets | 0.2022% | 5,777 |
| Return on assets (ROA) | 0.1733% | 5,922 |
| Pretax return on assets | 0.4514% | 5,182 |
| Return on Equity (ROE) | 1.9801% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.9801% | 4,940 |
| Net charge-offs to loans | -0.0046% | 6,231 |
| Credit loss provision to net charge-offs | -22,300.0000% | 6,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7807% | 5,068 |
| Assets per employee ($millions) | 8.6620% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,997 |
| Loan loss allowance to noncurrent loans | 38.1288% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 3.7654% | 1,796 |
| Noncurrent loans to loans | 4.7338% | 1,459 |
| Net loans and leases to total assets | 75.8036% | 1,055 |
| Net loans and leases to deposits | 91.8965% | 1,028 |
| Net loans and leases to core deposits | 162.0776% | 125 |
| Total domestic deposits to total assets | 82.4880% | 5,111 |
| Equity capital to assets | 8.6457% | 5,722 |
| Core capital (leverage) ratio | 8.8210% | 4,896 |
| Tier 1 risk-based capital ratio | 10.9104% | 6,562 |
| Total risk-based capital ratio | 15.5268% | 3,844 |
| Memoranda: | ||
| Average total assets | $221,538,500 | 2,863 |
| Average earning assets | $212,799,500 | 2,746 |
| Average equity | $19,393,000 | 3,205 |
| Average total loans | $172,737,500 | 2,395 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 3,468 |
| Cost of funding earning assets | 1.7394% | 1,427 |
| Net interest margin | 3.4895% | 5,283 |
| Noninterest income to average assets | 0.5709% | 3,669 |
| Noninterest expense to average assets | 2.5863% | 5,469 |
| Loan and lease loss provision to assets | 0.8407% | 1,953 |
| Net operating income to assets | 0.5608% | 3,844 |
| Return on assets (ROA) | 0.4508% | 4,475 |
| Pretax return on assets | 0.3538% | 5,070 |
| Return on Equity (ROE) | 5.0429% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.0429% | 2,385 |
| Net charge-offs to loans | 0.5952% | 3,247 |
| Credit loss provision to net charge-offs | 177.0325% | 1,877 |
| Earnings coverage of net charge-offs (x) | 2.7470% | 3,705 |
| Efficiency ratio | 66.4723% | 4,878 |
| Assets per employee ($millions) | 8.0691% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,711 |
| Loan loss allowance to noncurrent loans | 59.7114% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1825% | 3,118 |
| Noncurrent loans to loans | 2.6250% | 2,899 |
| Net loans and leases to total assets | 77.5380% | 1,012 |
| Net loans and leases to deposits | 96.1621% | 858 |
| Net loans and leases to core deposits | 162.2741% | 137 |
| Total domestic deposits to total assets | 80.6326% | 5,647 |
| Equity capital to assets | 8.8655% | 5,333 |
| Core capital (leverage) ratio | 8.8029% | 4,848 |
| Tier 1 risk-based capital ratio | 10.9017% | 6,412 |
| Total risk-based capital ratio | 15.5331% | 3,641 |
| Memoranda: | ||
| Average total assets | $207,203,600 | 3,010 |
| Average earning assets | $197,132,200 | 2,912 |
| Average equity | $18,521,000 | 3,348 |
| Average total loans | $165,310,000 | 2,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 3,522 |
| Cost of funding earning assets | 1.7611% | 1,582 |
| Net interest margin | 3.5016% | 5,284 |
| Noninterest income to average assets | 0.5241% | 3,996 |
| Noninterest expense to average assets | 2.6166% | 5,253 |
| Loan and lease loss provision to assets | 0.9022% | 1,682 |
| Net operating income to assets | 0.5573% | 4,064 |
| Return on assets (ROA) | 0.4504% | 4,724 |
| Pretax return on assets | 0.2203% | 5,680 |
| Return on Equity (ROE) | 5.0283% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.0283% | 2,970 |
| Net charge-offs to loans | 0.5822% | 2,992 |
| Credit loss provision to net charge-offs | 193.5664% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.6378% | 3,836 |
| Efficiency ratio | 68.0339% | 4,460 |
| Assets per employee ($millions) | 8.4886% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,876 |
| Loan loss allowance to noncurrent loans | 69.3415% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 3,733 |
| Noncurrent loans to loans | 2.1904% | 3,462 |
| Net loans and leases to total assets | 76.4146% | 1,328 |
| Net loans and leases to deposits | 94.8826% | 1,107 |
| Net loans and leases to core deposits | 157.4799% | 160 |
| Total domestic deposits to total assets | 80.5359% | 5,533 |
| Equity capital to assets | 8.6138% | 6,137 |
| Core capital (leverage) ratio | 8.8865% | 4,867 |
| Tier 1 risk-based capital ratio | 10.7957% | 6,550 |
| Total risk-based capital ratio | 15.4483% | 3,663 |
| Memoranda: | ||
| Average total assets | $204,538,000 | 3,085 |
| Average earning assets | $194,040,000 | 2,990 |
| Average equity | $18,322,500 | 3,423 |
| Average total loans | $163,732,750 | 2,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 3,438 |
| Cost of funding earning assets | 1.8179% | 1,579 |
| Net interest margin | 3.4893% | 5,288 |
| Noninterest income to average assets | 0.5072% | 4,054 |
| Noninterest expense to average assets | 2.6382% | 5,175 |
| Loan and lease loss provision to assets | 0.9048% | 1,610 |
| Net operating income to assets | 0.2641% | 5,322 |
| Return on assets (ROA) | 0.2641% | 5,468 |
| Pretax return on assets | 0.2641% | 5,615 |
| Return on Equity (ROE) | 2.9072% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.9072% | 4,286 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2957% | 4,318 |
| Assets per employee ($millions) | 7.9333% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 3,148 |
| Loan loss allowance to noncurrent loans | 217.9231% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 5,623 |
| Noncurrent loans to loans | 0.7715% | 5,726 |
| Net loans and leases to total assets | 80.3239% | 753 |
| Net loans and leases to deposits | 99.4424% | 771 |
| Net loans and leases to core deposits | 148.3445% | 226 |
| Total domestic deposits to total assets | 80.7742% | 5,483 |
| Equity capital to assets | 8.9419% | 5,538 |
| Core capital (leverage) ratio | 9.2988% | 4,122 |
| Tier 1 risk-based capital ratio | 10.2052% | 6,910 |
| Total risk-based capital ratio | 13.0020% | 5,502 |
| Memoranda: | ||
| Average total assets | $199,149,330 | 3,177 |
| Average earning assets | $188,345,000 | 3,088 |
| Average equity | $18,093,000 | 3,454 |
| Average total loans | $161,226,670 | 2,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 4,581 |
| Cost of funding earning assets | 1.8903% | 1,490 |
| Net interest margin | 3.1989% | 6,300 |
| Noninterest income to average assets | 0.4888% | 4,138 |
| Noninterest expense to average assets | 2.6791% | 5,003 |
| Loan and lease loss provision to assets | 1.4479% | 818 |
| Net operating income to assets | -0.5788% | 6,882 |
| Return on assets (ROA) | -0.5788% | 6,914 |
| Pretax return on assets | -0.5788% | 6,836 |
| Return on Equity (ROE) | -6.3178% | 6,952 |
| Retained earnings to average equity (ytd only) | -6.3178% | 6,683 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5043% | 3,302 |
| Assets per employee ($millions) | 7.6396% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,196 |
| Loan loss allowance to noncurrent loans | 207.7105% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 5,532 |
| Noncurrent loans to loans | 0.8015% | 5,711 |
| Net loans and leases to total assets | 78.5113% | 1,060 |
| Net loans and leases to deposits | 96.1461% | 1,088 |
| Net loans and leases to core deposits | 167.6940% | 163 |
| Total domestic deposits to total assets | 81.6584% | 5,212 |
| Equity capital to assets | 8.9735% | 5,319 |
| Core capital (leverage) ratio | 9.0634% | 4,451 |
| Tier 1 risk-based capital ratio | 10.6102% | 6,529 |
| Total risk-based capital ratio | 12.1929% | 6,191 |
| Memoranda: | ||
| Average total assets | $195,591,500 | 3,280 |
| Average earning assets | $187,063,500 | 3,163 |
| Average equity | $17,917,500 | 3,501 |
| Average total loans | $157,583,500 | 2,784 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 4,310 |
| Cost of funding earning assets | 2.1961% | 2,056 |
| Net interest margin | 3.2765% | 5,833 |
| Noninterest income to average assets | 1.0278% | 1,476 |
| Noninterest expense to average assets | 3.0354% | 4,008 |
| Loan and lease loss provision to assets | 0.3497% | 4,708 |
| Net operating income to assets | 0.7646% | 2,659 |
| Return on assets (ROA) | 0.8194% | 2,544 |
| Pretax return on assets | 0.8194% | 3,187 |
| Return on Equity (ROE) | 8.3461% | 2,256 |
| Retained earnings to average equity (ytd only) | 8.3461% | 619 |
| Net charge-offs to loans | 0.1391% | 5,828 |
| Credit loss provision to net charge-offs | 304.5226% | 1,085 |
| Earnings coverage of net charge-offs (x) | 9.7035% | 1,763 |
| Efficiency ratio | 73.1470% | 4,066 |
| Assets per employee ($millions) | 8.0230% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,148 |
| Loan loss allowance to noncurrent loans | 325.2525% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 6,174 |
| Noncurrent loans to loans | 0.3794% | 6,517 |
| Net loans and leases to total assets | 80.3145% | 939 |
| Net loans and leases to deposits | 98.4774% | 1,053 |
| Net loans and leases to core deposits | 121.3677% | 1,850 |
| Total domestic deposits to total assets | 81.5562% | 5,130 |
| Equity capital to assets | 9.3538% | 4,629 |
| Core capital (leverage) ratio | 9.6439% | 3,530 |
| Tier 1 risk-based capital ratio | 10.8034% | 6,113 |
| Total risk-based capital ratio | 11.9525% | 6,184 |
| Memoranda: | ||
| Average total assets | $173,287,600 | 3,549 |
| Average earning assets | $165,114,600 | 3,419 |
| Average equity | $17,014,000 | 3,668 |
| Average total loans | $143,090,600 | 3,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 4,303 |
| Cost of funding earning assets | 2.2701% | 2,109 |
| Net interest margin | 3.2538% | 5,812 |
| Noninterest income to average assets | 1.0360% | 1,477 |
| Noninterest expense to average assets | 2.9710% | 4,160 |
| Loan and lease loss provision to assets | 0.3593% | 4,166 |
| Net operating income to assets | 0.8025% | 2,808 |
| Return on assets (ROA) | 0.8777% | 2,586 |
| Pretax return on assets | 0.8777% | 3,290 |
| Return on Equity (ROE) | 8.8199% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.8199% | 887 |
| Net charge-offs to loans | 0.1107% | 5,570 |
| Credit loss provision to net charge-offs | 391.3793% | 1,027 |
| Earnings coverage of net charge-offs (x) | 12.6554% | 1,740 |
| Efficiency ratio | 71.8882% | 4,261 |
| Assets per employee ($millions) | 8.0370% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 4,907 |
| Loan loss allowance to noncurrent loans | 240.3871% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 5,675 |
| Noncurrent loans to loans | 0.5154% | 6,272 |
| Net loans and leases to total assets | 80.3349% | 1,117 |
| Net loans and leases to deposits | 99.9737% | 1,107 |
| Net loans and leases to core deposits | 117.3525% | 2,481 |
| Total domestic deposits to total assets | 80.3560% | 5,312 |
| Equity capital to assets | 9.5770% | 4,647 |
| Core capital (leverage) ratio | 9.5540% | 3,839 |
| Tier 1 risk-based capital ratio | 11.0479% | 5,899 |
| Total risk-based capital ratio | 12.2049% | 5,957 |
| Memoranda: | ||
| Average total assets | $168,471,250 | 3,655 |
| Average earning assets | $160,342,750 | 3,540 |
| Average equity | $16,764,750 | 3,754 |
| Average total loans | $139,718,250 | 3,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 4,678 |
| Cost of funding earning assets | 2.3332% | 2,224 |
| Net interest margin | 3.1593% | 6,064 |
| Noninterest income to average assets | 1.1140% | 1,281 |
| Noninterest expense to average assets | 3.1151% | 3,643 |
| Loan and lease loss provision to assets | 0.5398% | 2,871 |
| Net operating income to assets | 0.4527% | 4,279 |
| Return on assets (ROA) | 0.5693% | 3,922 |
| Pretax return on assets | 0.5693% | 4,410 |
| Return on Equity (ROE) | 5.6407% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.6407% | 2,188 |
| Net charge-offs to loans | 0.1704% | 4,527 |
| Credit loss provision to net charge-offs | 379.3103% | 1,226 |
| Earnings coverage of net charge-offs (x) | 6.9741% | 2,519 |
| Efficiency ratio | 75.8363% | 3,721 |
| Assets per employee ($millions) | 7.7663% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,630 |
| Loan loss allowance to noncurrent loans | 269.9270% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 5,616 |
| Noncurrent loans to loans | 0.4618% | 6,372 |
| Net loans and leases to total assets | 82.0035% | 958 |
| Net loans and leases to deposits | 101.8914% | 1,079 |
| Net loans and leases to core deposits | 120.9403% | 2,284 |
| Total domestic deposits to total assets | 80.4813% | 5,284 |
| Equity capital to assets | 9.2994% | 4,871 |
| Core capital (leverage) ratio | 10.0465% | 3,247 |
| Tier 1 risk-based capital ratio | 10.5320% | 6,349 |
| Total risk-based capital ratio | 11.6750% | 6,401 |
| Memoranda: | ||
| Average total assets | $163,011,670 | 3,758 |
| Average earning assets | $154,464,330 | 3,658 |
| Average equity | $16,452,000 | 3,826 |
| Average total loans | $136,170,330 | 3,227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 4,992 |
| Cost of funding earning assets | 2.4627% | 2,058 |
| Net interest margin | 3.0207% | 6,422 |
| Noninterest income to average assets | 1.0335% | 1,392 |
| Noninterest expense to average assets | 2.9793% | 3,853 |
| Loan and lease loss provision to assets | 0.8995% | 1,455 |
| Net operating income to assets | 0.0567% | 6,105 |
| Return on assets (ROA) | 0.3015% | 5,466 |
| Pretax return on assets | 0.3015% | 5,678 |
| Return on Equity (ROE) | 2.8585% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.8585% | 4,280 |
| Net charge-offs to loans | 0.1445% | 3,807 |
| Credit loss provision to net charge-offs | 742.5532% | 819 |
| Earnings coverage of net charge-offs (x) | 7.8936% | 2,276 |
| Efficiency ratio | 75.7040% | 3,535 |
| Assets per employee ($millions) | 7.2514% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,031 |
| Loan loss allowance to noncurrent loans | 104.4000% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 3,768 |
| Noncurrent loans to loans | 1.2525% | 4,465 |
| Net loans and leases to total assets | 82.6804% | 900 |
| Net loans and leases to deposits | 102.1346% | 1,168 |
| Net loans and leases to core deposits | 118.8533% | 2,519 |
| Total domestic deposits to total assets | 80.9524% | 4,991 |
| Equity capital to assets | 9.7936% | 4,248 |
| Core capital (leverage) ratio | 10.6896% | 2,749 |
| Tier 1 risk-based capital ratio | 10.9416% | 5,956 |
| Total risk-based capital ratio | 12.1444% | 5,907 |
| Memoranda: | ||
| Average total assets | $155,205,500 | 3,922 |
| Average earning assets | $149,103,000 | 3,771 |
| Average equity | $16,372,500 | 3,868 |
| Average total loans | $130,092,000 | 3,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 4,690 |
| Cost of funding earning assets | 2.7514% | 2,920 |
| Net interest margin | 3.4147% | 5,599 |
| Noninterest income to average assets | 0.6988% | 3,131 |
| Noninterest expense to average assets | 3.7788% | 1,797 |
| Loan and lease loss provision to assets | 0.7956% | 1,866 |
| Net operating income to assets | -0.5694% | 6,981 |
| Return on assets (ROA) | -0.5694% | 6,870 |
| Pretax return on assets | -0.5694% | 6,709 |
| Return on Equity (ROE) | -3.5987% | 6,693 |
| Retained earnings to average equity (ytd only) | -3.5987% | 6,242 |
| Net charge-offs to loans | 0.0109% | 6,774 |
| Credit loss provision to net charge-offs | 9,222.2222% | 65 |
| Earnings coverage of net charge-offs (x) | 26.2222% | 1,298 |
| Efficiency ratio | 94.3514% | 1,257 |
| Assets per employee ($millions) | 5.9845% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,016 |
| Loan loss allowance to noncurrent loans | 215.3955% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 5,724 |
| Noncurrent loans to loans | 0.5877% | 5,615 |
| Net loans and leases to total assets | 82.8078% | 1,077 |
| Net loans and leases to deposits | 104.2832% | 1,315 |
| Net loans and leases to core deposits | 114.1475% | 3,326 |
| Total domestic deposits to total assets | 79.4067% | 5,238 |
| Equity capital to assets | 11.4260% | 2,682 |
| Core capital (leverage) ratio | 12.2584% | 1,858 |
| Tier 1 risk-based capital ratio | 12.1161% | 4,728 |
| Total risk-based capital ratio | 13.2406% | 4,718 |
| Memoranda: | ||
| Average total assets | $104,319,600 | 4,921 |
| Average earning assets | $101,003,400 | 4,775 |
| Average equity | $16,506,000 | 3,824 |
| Average total loans | $82,926,200 | 4,427 |