Home > Liberty Bank, F.S.B. > Performance and Condition Ratios
Liberty Bank, F.S.B., Performance and Condition Ratios
| 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 | 3.4111% | 5,859 |
| Cost of funding earning assets | 1.0458% | 394 |
| Net interest margin | 2.3653% | 6,543 |
| Noninterest income to average assets | 1.3365% | 824 |
| Noninterest expense to average assets | 5.9262% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.4484% | 6,819 |
| Return on assets (ROA) | -2.4484% | 6,821 |
| Pretax return on assets | -2.4484% | 6,817 |
| Return on Equity (ROE) | -41.6931% | 6,850 |
| Retained earnings to average equity (ytd only) | -41.6931% | 6,847 |
| Net charge-offs to loans | 2.7347% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.5931% | 5,054 |
| Efficiency ratio | 170.3986% | 48 |
| Assets per employee ($millions) | 2.7292% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1230% | 26 |
| Loan loss allowance to noncurrent loans | 64.7550% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 10.3684% | 127 |
| Noncurrent loans to loans | 11.0000% | 103 |
| Net loans and leases to total assets | 48.0543% | 5,340 |
| Net loans and leases to deposits | 57.2709% | 5,254 |
| Net loans and leases to core deposits | 58.6198% | 5,396 |
| Total domestic deposits to total assets | 83.9070% | 4,230 |
| Equity capital to assets | 5.8742% | 6,709 |
| Core capital (leverage) ratio | 5.9264% | 6,724 |
| Tier 1 risk-based capital ratio | 11.3230% | 6,140 |
| Total risk-based capital ratio | 12.6445% | 6,073 |
| Memoranda: | ||
| Average total assets | $317,427,250 | 2,034 |
| Average earning assets | $287,369,000 | 2,075 |
| Average equity | $18,640,500 | 3,354 |
| Average total loans | $178,394,000 | 2,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 5,360 |
| Cost of funding earning assets | 1.0768% | 368 |
| Net interest margin | 2.5489% | 6,391 |
| Noninterest income to average assets | 1.3045% | 913 |
| Noninterest expense to average assets | 6.0979% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.4850% | 6,875 |
| Return on assets (ROA) | -2.4850% | 6,876 |
| Pretax return on assets | -2.4850% | 6,869 |
| Return on Equity (ROE) | -42.3204% | 6,896 |
| Retained earnings to average equity (ytd only) | -42.3204% | 6,890 |
| Net charge-offs to loans | 3.3818% | 86 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.2804% | 4,731 |
| Efficiency ratio | 168.7821% | 47 |
| Assets per employee ($millions) | 2.8959% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1844% | 52 |
| Loan loss allowance to noncurrent loans | 43.4970% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 13.1913% | 82 |
| Noncurrent loans to loans | 14.2179% | 61 |
| Net loans and leases to total assets | 53.8201% | 4,614 |
| Net loans and leases to deposits | 63.7613% | 4,537 |
| Net loans and leases to core deposits | 65.7771% | 4,713 |
| Total domestic deposits to total assets | 84.4087% | 4,164 |
| Equity capital to assets | 6.0148% | 6,741 |
| Core capital (leverage) ratio | 6.0542% | 6,749 |
| Tier 1 risk-based capital ratio | 10.3208% | 6,563 |
| Total risk-based capital ratio | 11.6301% | 6,515 |
| Memoranda: | ||
| Average total assets | $334,083,670 | 1,941 |
| Average earning assets | $302,559,000 | 1,975 |
| Average equity | $19,617,000 | 3,244 |
| Average total loans | $191,731,330 | 2,084 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2922% | 6,163 |
| Cost of funding earning assets | 1.0924% | 390 |
| Net interest margin | 2.1997% | 6,755 |
| Noninterest income to average assets | 1.2135% | 1,032 |
| Noninterest expense to average assets | 5.8956% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.6863% | 6,950 |
| Return on assets (ROA) | -2.6863% | 6,951 |
| Pretax return on assets | -2.6863% | 6,947 |
| Return on Equity (ROE) | -46.2047% | 6,965 |
| Retained earnings to average equity (ytd only) | -46.2047% | 6,955 |
| Net charge-offs to loans | 0.6962% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -6.7219% | 4,088 |
| Efficiency ratio | 183.7006% | 45 |
| Assets per employee ($millions) | 3.1668% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7196% | 48 |
| Loan loss allowance to noncurrent loans | 48.0625% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 12.8097% | 116 |
| Noncurrent loans to loans | 13.9809% | 96 |
| Net loans and leases to total assets | 54.9410% | 4,250 |
| Net loans and leases to deposits | 64.0541% | 4,305 |
| Net loans and leases to core deposits | 67.3177% | 4,373 |
| Total domestic deposits to total assets | 85.7729% | 3,652 |
| Equity capital to assets | 5.8238% | 6,838 |
| Core capital (leverage) ratio | 5.8045% | 6,822 |
| Tier 1 risk-based capital ratio | 9.6294% | 6,747 |
| Total risk-based capital ratio | 10.9449% | 6,715 |
| Memoranda: | ||
| Average total assets | $356,333,000 | 1,856 |
| Average earning assets | $323,312,500 | 1,870 |
| Average equity | $20,716,500 | 3,175 |
| Average total loans | $204,532,500 | 1,989 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 6,672 |
| Cost of funding earning assets | 1.1748% | 650 |
| Net interest margin | 2.0046% | 6,934 |
| Noninterest income to average assets | 4.1143% | 182 |
| Noninterest expense to average assets | 5.3664% | 291 |
| Loan and lease loss provision to assets | 0.5467% | 1,048 |
| Net operating income to assets | 0.0300% | 6,119 |
| Return on assets (ROA) | 0.0300% | 6,261 |
| Pretax return on assets | 0.0301% | 6,248 |
| Return on Equity (ROE) | 0.7764% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.7764% | 5,475 |
| Net charge-offs to loans | 3.4241% | 117 |
| Credit loss provision to net charge-offs | 27.0688% | 5,169 |
| Earnings coverage of net charge-offs (x) | 0.2856% | 5,338 |
| Efficiency ratio | 90.2941% | 1,039 |
| Assets per employee ($millions) | 2.8370% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3390% | 59 |
| Loan loss allowance to noncurrent loans | 44.8962% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 12.4868% | 122 |
| Noncurrent loans to loans | 14.1193% | 95 |
| Net loans and leases to total assets | 52.5323% | 4,836 |
| Net loans and leases to deposits | 60.4223% | 4,980 |
| Net loans and leases to core deposits | 64.0624% | 4,950 |
| Total domestic deposits to total assets | 86.9418% | 2,872 |
| Equity capital to assets | 5.8050% | 6,902 |
| Core capital (leverage) ratio | 5.7112% | 6,880 |
| Tier 1 risk-based capital ratio | 9.8305% | 6,740 |
| Total risk-based capital ratio | 11.1409% | 6,694 |
| Memoranda: | ||
| Average total assets | $640,209,600 | 1,031 |
| Average earning assets | $584,096,200 | 1,038 |
| Average equity | $24,728,400 | 2,685 |
| Average total loans | $377,622,800 | 1,103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1441% | 6,831 |
| Cost of funding earning assets | 1.1695% | 799 |
| Net interest margin | 1.9746% | 7,043 |
| Noninterest income to average assets | 4.6995% | 153 |
| Noninterest expense to average assets | 5.0513% | 353 |
| Loan and lease loss provision to assets | 0.6617% | 788 |
| Net operating income to assets | 0.7889% | 3,507 |
| Return on assets (ROA) | 0.7889% | 3,750 |
| Pretax return on assets | 0.7891% | 4,533 |
| Return on Equity (ROE) | 21.9106% | 241 |
| Retained earnings to average equity (ytd only) | 21.9106% | 64 |
| Net charge-offs to loans | 3.5676% | 121 |
| Credit loss provision to net charge-offs | 31.2388% | 4,784 |
| Earnings coverage of net charge-offs (x) | 0.6849% | 4,981 |
| Efficiency ratio | 77.6867% | 2,434 |
| Assets per employee ($millions) | 3.3350% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7900% | 81 |
| Loan loss allowance to noncurrent loans | 33.8133% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 14.1651% | 103 |
| Noncurrent loans to loans | 17.1235% | 70 |
| Net loans and leases to total assets | 51.6412% | 5,094 |
| Net loans and leases to deposits | 58.2246% | 5,412 |
| Net loans and leases to core deposits | 61.4264% | 5,412 |
| Total domestic deposits to total assets | 88.6932% | 1,600 |
| Equity capital to assets | 5.4264% | 7,026 |
| Core capital (leverage) ratio | 5.3452% | 6,993 |
| Tier 1 risk-based capital ratio | 9.1752% | 6,927 |
| Total risk-based capital ratio | 10.4770% | 6,924 |
| Memoranda: | ||
| Average total assets | $705,223,750 | 941 |
| Average earning assets | $643,817,000 | 941 |
| Average equity | $25,393,500 | 2,648 |
| Average total loans | $418,723,750 | 1,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2137% | 6,864 |
| Cost of funding earning assets | 1.1860% | 871 |
| Net interest margin | 2.0277% | 7,097 |
| Noninterest income to average assets | 5.8222% | 120 |
| Noninterest expense to average assets | 4.7443% | 448 |
| Loan and lease loss provision to assets | 0.8972% | 521 |
| Net operating income to assets | 2.0348% | 371 |
| Return on assets (ROA) | 2.0348% | 416 |
| Pretax return on assets | 2.0351% | 646 |
| Return on Equity (ROE) | 63.0718% | 11 |
| Retained earnings to average equity (ytd only) | 63.0718% | 5 |
| Net charge-offs to loans | 4.1547% | 103 |
| Credit loss provision to net charge-offs | 35.8056% | 4,344 |
| Earnings coverage of net charge-offs (x) | 1.1702% | 4,428 |
| Efficiency ratio | 61.8025% | 5,280 |
| Assets per employee ($millions) | 3.3628% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3877% | 117 |
| Loan loss allowance to noncurrent loans | 39.0870% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 12.1864% | 169 |
| Noncurrent loans to loans | 13.7838% | 124 |
| Net loans and leases to total assets | 51.2108% | 5,193 |
| Net loans and leases to deposits | 60.9881% | 5,135 |
| Net loans and leases to core deposits | 63.6107% | 5,246 |
| Total domestic deposits to total assets | 83.9686% | 4,325 |
| Equity capital to assets | 5.1675% | 7,092 |
| Core capital (leverage) ratio | 5.1489% | 7,058 |
| Tier 1 risk-based capital ratio | 8.8784% | 6,991 |
| Total risk-based capital ratio | 10.1751% | 6,991 |
| Memoranda: | ||
| Average total assets | $780,217,000 | 855 |
| Average earning assets | $713,510,330 | 847 |
| Average equity | $25,171,330 | 2,654 |
| Average total loans | $470,549,670 | 878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5255% | 6,665 |
| Cost of funding earning assets | 1.1640% | 1,132 |
| Net interest margin | 2.3615% | 7,036 |
| Noninterest income to average assets | 4.1941% | 158 |
| Noninterest expense to average assets | 4.5717% | 520 |
| Loan and lease loss provision to assets | 0.5201% | 1,158 |
| Net operating income to assets | 1.2667% | 1,550 |
| Return on assets (ROA) | 1.2667% | 1,719 |
| Pretax return on assets | 1.2667% | 2,664 |
| Return on Equity (ROE) | 48.7417% | 34 |
| Retained earnings to average equity (ytd only) | 48.7417% | 23 |
| Net charge-offs to loans | 2.1266% | 426 |
| Credit loss provision to net charge-offs | 39.2491% | 3,461 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 3,656 |
| Efficiency ratio | 71.8990% | 3,464 |
| Assets per employee ($millions) | 3.2485% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3344% | 280 |
| Loan loss allowance to noncurrent loans | 37.9428% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 10.5517% | 265 |
| Noncurrent loans to loans | 11.4234% | 230 |
| Net loans and leases to total assets | 55.9565% | 4,395 |
| Net loans and leases to deposits | 63.0410% | 4,765 |
| Net loans and leases to core deposits | 65.4759% | 4,974 |
| Total domestic deposits to total assets | 88.7621% | 1,843 |
| Equity capital to assets | 2.9227% | 7,241 |
| Core capital (leverage) ratio | 2.9104% | 7,241 |
| Tier 1 risk-based capital ratio | 4.8126% | 7,222 |
| Total risk-based capital ratio | 6.0994% | 7,223 |
| Memoranda: | ||
| Average total assets | $884,489,500 | 750 |
| Average earning assets | $810,661,500 | 743 |
| Average equity | $22,986,500 | 2,854 |
| Average total loans | $551,110,000 | 756 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 5,714 |
| Cost of funding earning assets | 1.2874% | 1,540 |
| Net interest margin | 3.0289% | 6,486 |
| Noninterest income to average assets | 0.4264% | 4,389 |
| Noninterest expense to average assets | 3.9677% | 1,087 |
| Loan and lease loss provision to assets | 0.5045% | 2,085 |
| Net operating income to assets | -1.2357% | 6,833 |
| Return on assets (ROA) | -1.2357% | 6,856 |
| Pretax return on assets | -1.2357% | 6,823 |
| Return on Equity (ROE) | -47.1677% | 7,194 |
| Retained earnings to average equity (ytd only) | -47.1677% | 7,191 |
| Net charge-offs to loans | 3.0803% | 302 |
| Credit loss provision to net charge-offs | 21.0995% | 5,905 |
| Earnings coverage of net charge-offs (x) | -0.3058% | 6,009 |
| Efficiency ratio | 122.5940% | 288 |
| Assets per employee ($millions) | 3.2776% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7378% | 449 |
| Loan loss allowance to noncurrent loans | 40.1681% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 10.1055% | 327 |
| Noncurrent loans to loans | 9.3054% | 368 |
| Net loans and leases to total assets | 63.2629% | 3,340 |
| Net loans and leases to deposits | 70.0518% | 4,088 |
| Net loans and leases to core deposits | 72.1708% | 4,501 |
| Total domestic deposits to total assets | 90.3087% | 808 |
| Equity capital to assets | 2.3094% | 7,307 |
| Core capital (leverage) ratio | 2.3015% | 7,303 |
| Tier 1 risk-based capital ratio | 3.4809% | 7,300 |
| Total risk-based capital ratio | 4.7614% | 7,300 |
| Memoranda: | ||
| Average total assets | $1,010,326,800 | 653 |
| Average earning assets | $937,331,400 | 633 |
| Average equity | $26,469,400 | 2,440 |
| Average total loans | $784,246,200 | 520 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 5,368 |
| Cost of funding earning assets | 1.2919% | 1,752 |
| Net interest margin | 3.1728% | 6,224 |
| Noninterest income to average assets | 0.3542% | 5,025 |
| Noninterest expense to average assets | 3.9589% | 1,053 |
| Loan and lease loss provision to assets | 0.5304% | 1,865 |
| Net operating income to assets | -1.1837% | 6,953 |
| Return on assets (ROA) | -1.1837% | 6,974 |
| Pretax return on assets | -1.1837% | 6,934 |
| Return on Equity (ROE) | -43.9992% | 7,272 |
| Retained earnings to average equity (ytd only) | -43.9992% | 7,266 |
| Net charge-offs to loans | 3.8665% | 181 |
| Credit loss provision to net charge-offs | 17.0782% | 5,599 |
| Earnings coverage of net charge-offs (x) | -0.2104% | 5,724 |
| Efficiency ratio | 119.7641% | 309 |
| Assets per employee ($millions) | 3.2946% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1387% | 770 |
| Loan loss allowance to noncurrent loans | 27.2717% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 11.3481% | 261 |
| Noncurrent loans to loans | 11.5090% | 255 |
| Net loans and leases to total assets | 70.5399% | 1,973 |
| Net loans and leases to deposits | 77.9148% | 3,014 |
| Net loans and leases to core deposits | 80.4188% | 3,574 |
| Total domestic deposits to total assets | 90.5346% | 620 |
| Equity capital to assets | 2.5117% | 7,380 |
| Core capital (leverage) ratio | 2.4972% | 7,374 |
| Tier 1 risk-based capital ratio | 3.4881% | 7,382 |
| Total risk-based capital ratio | 4.7621% | 7,383 |
| Memoranda: | ||
| Average total assets | $1,029,381,250 | 647 |
| Average earning assets | $957,520,250 | 626 |
| Average equity | $27,693,750 | 2,349 |
| Average total loans | $826,835,250 | 508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 4,950 |
| Cost of funding earning assets | 1.2991% | 1,947 |
| Net interest margin | 3.3029% | 5,847 |
| Noninterest income to average assets | 0.3839% | 4,808 |
| Noninterest expense to average assets | 3.8711% | 1,244 |
| Loan and lease loss provision to assets | 1.3451% | 549 |
| Net operating income to assets | -1.7568% | 7,150 |
| Return on assets (ROA) | -1.7568% | 7,161 |
| Pretax return on assets | -1.7568% | 7,125 |
| Return on Equity (ROE) | -63.9490% | 7,381 |
| Retained earnings to average equity (ytd only) | -63.9490% | 7,378 |
| Net charge-offs to loans | 4.1993% | 181 |
| Credit loss provision to net charge-offs | 38.7254% | 4,839 |
| Earnings coverage of net charge-offs (x) | -0.1186% | 5,359 |
| Efficiency ratio | 111.9036% | 446 |
| Assets per employee ($millions) | 3.2415% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3288% | 686 |
| Loan loss allowance to noncurrent loans | 31.9236% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 10.8305% | 325 |
| Noncurrent loans to loans | 10.4275% | 361 |
| Net loans and leases to total assets | 76.7552% | 953 |
| Net loans and leases to deposits | 85.1601% | 1,918 |
| Net loans and leases to core deposits | 88.3572% | 2,586 |
| Total domestic deposits to total assets | 90.1305% | 908 |
| Equity capital to assets | 2.9608% | 7,434 |
| Core capital (leverage) ratio | 2.9513% | 7,422 |
| Tier 1 risk-based capital ratio | 3.8272% | 7,437 |
| Total risk-based capital ratio | 5.1009% | 7,439 |
| Memoranda: | ||
| Average total assets | $1,040,851,000 | 646 |
| Average earning assets | $969,152,000 | 624 |
| Average equity | $28,594,670 | 2,276 |
| Average total loans | $860,915,330 | 498 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 4,032 |
| Cost of funding earning assets | 1.3055% | 2,145 |
| Net interest margin | 3.5000% | 5,009 |
| Noninterest income to average assets | 0.9016% | 1,660 |
| Noninterest expense to average assets | 3.9296% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2331% | 5,669 |
| Return on assets (ROA) | 0.2331% | 5,735 |
| Pretax return on assets | 0.2331% | 5,858 |
| Return on Equity (ROE) | 8.8101% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.8101% | 1,446 |
| Net charge-offs to loans | 0.8533% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3240% | 4,371 |
| Efficiency ratio | 94.4010% | 1,020 |
| Assets per employee ($millions) | 3.1756% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0671% | 405 |
| Loan loss allowance to noncurrent loans | 33.4942% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 12.7804% | 224 |
| Noncurrent loans to loans | 12.1427% | 266 |
| Net loans and leases to total assets | 81.3619% | 408 |
| Net loans and leases to deposits | 89.9253% | 1,239 |
| Net loans and leases to core deposits | 102.0997% | 1,194 |
| Total domestic deposits to total assets | 90.4772% | 852 |
| Equity capital to assets | 2.7231% | 7,498 |
| Core capital (leverage) ratio | 2.7209% | 7,492 |
| Tier 1 risk-based capital ratio | 3.3219% | 7,509 |
| Total risk-based capital ratio | 4.6071% | 7,509 |
| Memoranda: | ||
| Average total assets | $1,057,217,500 | 638 |
| Average earning assets | $985,038,000 | 616 |
| Average equity | $27,968,000 | 2,307 |
| Average total loans | $891,159,000 | 488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 2,002 |
| Cost of funding earning assets | 1.4506% | 2,949 |
| Net interest margin | 4.1213% | 2,474 |
| Noninterest income to average assets | 0.9159% | 1,790 |
| Noninterest expense to average assets | 5.9054% | 242 |
| Loan and lease loss provision to assets | 8.1184% | 15 |
| Net operating income to assets | -9.3859% | 7,634 |
| Return on assets (ROA) | -9.3831% | 7,635 |
| Pretax return on assets | -9.3249% | 7,637 |
| Return on Equity (ROE) | -100.8410% | 7,594 |
| Retained earnings to average equity (ytd only) | -100.8410% | 7,594 |
| Net charge-offs to loans | 6.9337% | 55 |
| Credit loss provision to net charge-offs | 135.2053% | 2,878 |
| Earnings coverage of net charge-offs (x) | -0.2014% | 6,294 |
| Efficiency ratio | 81.4438% | 2,229 |
| Assets per employee ($millions) | 3.3006% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3501% | 297 |
| Loan loss allowance to noncurrent loans | 36.8840% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 11.8632% | 285 |
| Noncurrent loans to loans | 11.7939% | 304 |
| Net loans and leases to total assets | 80.1476% | 645 |
| Net loans and leases to deposits | 88.1274% | 1,765 |
| Net loans and leases to core deposits | 101.9780% | 1,456 |
| Total domestic deposits to total assets | 90.9452% | 625 |
| Equity capital to assets | 2.5705% | 7,583 |
| Core capital (leverage) ratio | 2.5685% | 7,583 |
| Tier 1 risk-based capital ratio | 3.2298% | 7,593 |
| Total risk-based capital ratio | 4.5188% | 7,593 |
| Memoranda: | ||
| Average total assets | $1,163,397,000 | 572 |
| Average earning assets | $1,067,105,600 | 567 |
| Average equity | $108,252,600 | 622 |
| Average total loans | $1,007,487,600 | 443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 2,089 |
| Cost of funding earning assets | 1.4516% | 3,262 |
| Net interest margin | 4.1419% | 2,442 |
| Noninterest income to average assets | 0.8990% | 1,800 |
| Noninterest expense to average assets | 3.8567% | 1,267 |
| Loan and lease loss provision to assets | 1.3400% | 1,023 |
| Net operating income to assets | -0.4884% | 6,581 |
| Return on assets (ROA) | -0.4850% | 6,624 |
| Pretax return on assets | -0.5104% | 6,562 |
| Return on Equity (ROE) | -4.4765% | 6,603 |
| Retained earnings to average equity (ytd only) | -4.4765% | 6,509 |
| Net charge-offs to loans | 1.3956% | 1,454 |
| Credit loss provision to net charge-offs | 110.0619% | 3,852 |
| Earnings coverage of net charge-offs (x) | 0.6785% | 5,367 |
| Efficiency ratio | 81.0243% | 2,202 |
| Assets per employee ($millions) | 3.7577% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,794 |
| Loan loss allowance to noncurrent loans | 27.2926% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 6.5582% | 862 |
| Noncurrent loans to loans | 5.6292% | 1,163 |
| Net loans and leases to total assets | 83.5079% | 364 |
| Net loans and leases to deposits | 103.5257% | 458 |
| Net loans and leases to core deposits | 117.0595% | 715 |
| Total domestic deposits to total assets | 80.6639% | 5,490 |
| Equity capital to assets | 10.9924% | 2,969 |
| Core capital (leverage) ratio | 9.1750% | 4,412 |
| Tier 1 risk-based capital ratio | 10.8103% | 6,538 |
| Total risk-based capital ratio | 12.0642% | 6,518 |
| Memoranda: | ||
| Average total assets | $1,185,243,500 | 559 |
| Average earning assets | $1,082,727,500 | 553 |
| Average equity | $128,401,000 | 516 |
| Average total loans | $1,033,955,000 | 431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 1,499 |
| Cost of funding earning assets | 1.4704% | 3,424 |
| Net interest margin | 4.3048% | 1,754 |
| Noninterest income to average assets | 0.8292% | 1,974 |
| Noninterest expense to average assets | 4.0324% | 1,005 |
| Loan and lease loss provision to assets | 0.5495% | 2,578 |
| Net operating income to assets | 0.1658% | 5,674 |
| Return on assets (ROA) | 0.1709% | 5,788 |
| Pretax return on assets | 0.1801% | 5,816 |
| Return on Equity (ROE) | 1.5858% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.5858% | 5,069 |
| Net charge-offs to loans | 0.8682% | 2,096 |
| Credit loss provision to net charge-offs | 71.8694% | 4,916 |
| Earnings coverage of net charge-offs (x) | 0.9472% | 4,831 |
| Efficiency ratio | 83.4344% | 1,986 |
| Assets per employee ($millions) | 3.6515% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,178 |
| Loan loss allowance to noncurrent loans | 23.3087% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 6.3901% | 888 |
| Noncurrent loans to loans | 5.3664% | 1,240 |
| Net loans and leases to total assets | 86.2278% | 217 |
| Net loans and leases to deposits | 107.1675% | 344 |
| Net loans and leases to core deposits | 116.8908% | 814 |
| Total domestic deposits to total assets | 80.4608% | 5,573 |
| Equity capital to assets | 11.2733% | 2,612 |
| Core capital (leverage) ratio | 9.4743% | 3,859 |
| Tier 1 risk-based capital ratio | 10.7993% | 6,450 |
| Total risk-based capital ratio | 12.0496% | 6,432 |
| Memoranda: | ||
| Average total assets | $1,178,250,000 | 567 |
| Average earning assets | $1,074,932,670 | 562 |
| Average equity | $127,003,670 | 518 |
| Average total loans | $1,037,603,670 | 434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 1,289 |
| Cost of funding earning assets | 1.4715% | 3,727 |
| Net interest margin | 4.3904% | 1,415 |
| Noninterest income to average assets | 0.7451% | 2,324 |
| Noninterest expense to average assets | 3.9538% | 1,097 |
| Loan and lease loss provision to assets | 0.4575% | 2,678 |
| Net operating income to assets | 0.3146% | 5,236 |
| Return on assets (ROA) | 0.3146% | 5,365 |
| Pretax return on assets | 0.3312% | 5,522 |
| Return on Equity (ROE) | 2.9913% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.9913% | 4,334 |
| Net charge-offs to loans | 0.5928% | 2,325 |
| Credit loss provision to net charge-offs | 87.2607% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.5043% | 3,832 |
| Efficiency ratio | 81.9966% | 2,270 |
| Assets per employee ($millions) | 3.6438% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 4,694 |
| Loan loss allowance to noncurrent loans | 25.7518% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 6.3779% | 904 |
| Noncurrent loans to loans | 5.2307% | 1,368 |
| Net loans and leases to total assets | 85.8592% | 223 |
| Net loans and leases to deposits | 105.4334% | 456 |
| Net loans and leases to core deposits | 116.2553% | 935 |
| Total domestic deposits to total assets | 81.4345% | 5,296 |
| Equity capital to assets | 10.3738% | 3,371 |
| Core capital (leverage) ratio | 8.5583% | 5,279 |
| Tier 1 risk-based capital ratio | 9.4067% | 7,347 |
| Total risk-based capital ratio | 10.6576% | 7,347 |
| Memoranda: | ||
| Average total assets | $1,155,740,500 | 589 |
| Average earning assets | $1,052,291,000 | 583 |
| Average equity | $121,554,000 | 553 |
| Average total loans | $1,022,326,000 | 463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 2,236 |
| Cost of funding earning assets | 2.0826% | 2,557 |
| Net interest margin | 3.8173% | 3,631 |
| Noninterest income to average assets | 0.9112% | 1,903 |
| Noninterest expense to average assets | 3.3282% | 2,914 |
| Loan and lease loss provision to assets | 1.5055% | 1,526 |
| Net operating income to assets | -0.4291% | 6,109 |
| Return on assets (ROA) | -0.3718% | 6,038 |
| Pretax return on assets | -0.3913% | 5,907 |
| Return on Equity (ROE) | -3.5306% | 6,059 |
| Retained earnings to average equity (ytd only) | -3.5306% | 5,798 |
| Net charge-offs to loans | 1.1004% | 2,219 |
| Credit loss provision to net charge-offs | 156.7484% | 2,882 |
| Earnings coverage of net charge-offs (x) | 1.0972% | 5,011 |
| Efficiency ratio | 75.0060% | 3,711 |
| Assets per employee ($millions) | 3.3537% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 3,705 |
| Loan loss allowance to noncurrent loans | 52.1308% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 3.8629% | 1,723 |
| Noncurrent loans to loans | 2.8849% | 2,676 |
| Net loans and leases to total assets | 88.7266% | 139 |
| Net loans and leases to deposits | 109.8594% | 387 |
| Net loans and leases to core deposits | 140.8110% | 780 |
| Total domestic deposits to total assets | 80.7638% | 5,417 |
| Equity capital to assets | 10.6812% | 2,983 |
| Core capital (leverage) ratio | 8.6942% | 4,932 |
| Tier 1 risk-based capital ratio | 9.3155% | 7,325 |
| Total risk-based capital ratio | 10.5683% | 7,308 |
| Memoranda: | ||
| Average total assets | $1,142,472,200 | 582 |
| Average earning assets | $1,038,785,400 | 584 |
| Average equity | $120,320,000 | 548 |
| Average total loans | $997,208,800 | 476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,469 |
| Cost of funding earning assets | 2.1719% | 2,546 |
| Net interest margin | 3.7240% | 3,975 |
| Noninterest income to average assets | 0.8782% | 2,068 |
| Noninterest expense to average assets | 3.3550% | 2,707 |
| Loan and lease loss provision to assets | 0.6735% | 2,719 |
| Net operating income to assets | 0.2264% | 5,071 |
| Return on assets (ROA) | 0.3017% | 4,890 |
| Pretax return on assets | 0.3177% | 5,012 |
| Return on Equity (ROE) | 2.8747% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.8747% | 3,722 |
| Net charge-offs to loans | 0.6481% | 2,739 |
| Credit loss provision to net charge-offs | 119.9508% | 4,235 |
| Earnings coverage of net charge-offs (x) | 1.6242% | 4,578 |
| Efficiency ratio | 77.6543% | 3,219 |
| Assets per employee ($millions) | 3.6768% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 6,524 |
| Loan loss allowance to noncurrent loans | 40.3651% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 3.3237% | 2,032 |
| Noncurrent loans to loans | 2.3606% | 3,194 |
| Net loans and leases to total assets | 83.3565% | 629 |
| Net loans and leases to deposits | 107.1525% | 597 |
| Net loans and leases to core deposits | 140.2922% | 905 |
| Total domestic deposits to total assets | 77.7924% | 6,146 |
| Equity capital to assets | 10.4535% | 3,565 |
| Core capital (leverage) ratio | 8.6074% | 5,295 |
| Tier 1 risk-based capital ratio | 9.6803% | 7,253 |
| Total risk-based capital ratio | 10.6007% | 7,446 |
| Memoranda: | ||
| Average total assets | $1,158,117,750 | 589 |
| Average earning assets | $1,053,848,000 | 583 |
| Average equity | $121,563,750 | 555 |
| Average total loans | $1,003,316,000 | 492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9795% | 2,269 |
| Cost of funding earning assets | 2.3056% | 2,340 |
| Net interest margin | 3.6740% | 4,069 |
| Noninterest income to average assets | 0.9043% | 1,967 |
| Noninterest expense to average assets | 3.2565% | 3,131 |
| Loan and lease loss provision to assets | 0.7765% | 2,140 |
| Net operating income to assets | 0.2003% | 5,259 |
| Return on assets (ROA) | 0.3125% | 4,953 |
| Pretax return on assets | 0.3309% | 5,125 |
| Return on Equity (ROE) | 2.9734% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.9734% | 3,665 |
| Net charge-offs to loans | 0.6956% | 2,311 |
| Credit loss provision to net charge-offs | 127.6196% | 3,647 |
| Earnings coverage of net charge-offs (x) | 1.6239% | 4,324 |
| Efficiency ratio | 75.7061% | 3,740 |
| Assets per employee ($millions) | 3.8346% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,556 |
| Loan loss allowance to noncurrent loans | 74.0714% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.8097% | 2,285 |
| Noncurrent loans to loans | 1.2826% | 4,636 |
| Net loans and leases to total assets | 84.1056% | 618 |
| Net loans and leases to deposits | 105.2563% | 813 |
| Net loans and leases to core deposits | 138.0688% | 1,104 |
| Total domestic deposits to total assets | 79.9055% | 5,506 |
| Equity capital to assets | 10.5197% | 3,382 |
| Core capital (leverage) ratio | 8.6481% | 5,183 |
| Tier 1 risk-based capital ratio | 9.7018% | 7,230 |
| Total risk-based capital ratio | 10.6257% | 7,467 |
| Memoranda: | ||
| Average total assets | $1,154,421,330 | 599 |
| Average earning assets | $1,049,546,330 | 595 |
| Average equity | $121,344,000 | 566 |
| Average total loans | $1,009,759,330 | 505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9761% | 2,458 |
| Cost of funding earning assets | 2.4361% | 2,149 |
| Net interest margin | 3.5400% | 4,565 |
| Noninterest income to average assets | 0.8708% | 1,982 |
| Noninterest expense to average assets | 3.1842% | 3,057 |
| Loan and lease loss provision to assets | 0.6476% | 1,956 |
| Net operating income to assets | 0.2600% | 5,442 |
| Return on assets (ROA) | 0.3518% | 5,245 |
| Pretax return on assets | 0.3706% | 5,479 |
| Return on Equity (ROE) | 3.3482% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.3482% | 4,018 |
| Net charge-offs to loans | 0.6995% | 1,787 |
| Credit loss provision to net charge-offs | 104.3113% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.4843% | 3,994 |
| Efficiency ratio | 76.3949% | 3,423 |
| Assets per employee ($millions) | 3.4296% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,550 |
| Loan loss allowance to noncurrent loans | 63.9236% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.7263% | 2,085 |
| Noncurrent loans to loans | 1.4715% | 4,092 |
| Net loans and leases to total assets | 87.1483% | 329 |
| Net loans and leases to deposits | 109.3405% | 652 |
| Net loans and leases to core deposits | 146.4981% | 834 |
| Total domestic deposits to total assets | 79.7036% | 5,464 |
| Equity capital to assets | 10.5676% | 3,394 |
| Core capital (leverage) ratio | 8.6684% | 5,214 |
| Tier 1 risk-based capital ratio | 9.5942% | 7,348 |
| Total risk-based capital ratio | 10.5296% | 7,578 |
| Memoranda: | ||
| Average total assets | $1,150,691,000 | 603 |
| Average earning assets | $1,051,515,000 | 603 |
| Average equity | $120,902,500 | 566 |
| Average total loans | $1,021,348,500 | 505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4676% | 3,129 |
| Cost of funding earning assets | 2.9150% | 2,196 |
| Net interest margin | 3.5526% | 5,087 |
| Noninterest income to average assets | 0.8850% | 2,030 |
| Noninterest expense to average assets | 3.1232% | 3,605 |
| Loan and lease loss provision to assets | 0.6220% | 2,345 |
| Net operating income to assets | 0.3574% | 5,322 |
| Return on assets (ROA) | 0.4257% | 4,870 |
| Pretax return on assets | 0.4478% | 5,124 |
| Return on Equity (ROE) | 4.0713% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.0713% | 2,594 |
| Net charge-offs to loans | 0.6015% | 2,032 |
| Credit loss provision to net charge-offs | 114.4342% | 4,720 |
| Earnings coverage of net charge-offs (x) | 1.8360% | 5,155 |
| Efficiency ratio | 74.5154% | 3,491 |
| Assets per employee ($millions) | 3.5680% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 6,591 |
| Loan loss allowance to noncurrent loans | 62.3738% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 2,282 |
| Noncurrent loans to loans | 1.4680% | 3,597 |
| Net loans and leases to total assets | 88.7210% | 303 |
| Net loans and leases to deposits | 114.2654% | 601 |
| Net loans and leases to core deposits | 153.3846% | 736 |
| Total domestic deposits to total assets | 77.6447% | 5,823 |
| Equity capital to assets | 10.4464% | 3,562 |
| Core capital (leverage) ratio | 8.5405% | 5,498 |
| Tier 1 risk-based capital ratio | 9.3754% | 7,433 |
| Total risk-based capital ratio | 10.2946% | 7,730 |
| Memoranda: | ||
| Average total assets | $1,115,358,800 | 596 |
| Average earning assets | $1,015,988,600 | 591 |
| Average equity | $116,621,600 | 585 |
| Average total loans | $1,007,799,400 | 491 |