Home > Metropolitan National Bank > Performance and Condition Ratios

Metropolitan National Bank, Performance and Condition Ratios

2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.4471%6,128
Cost of funding earning assets0.0610%6,089
Net interest margin1.3861%6,115
Noninterest income to average assets0.1897%5,457
Noninterest expense to average assets0.9181%6,132
Loan and lease loss provision to assets0.1386%1,710
Net operating income to assets0.2374%5,506
Return on assets (ROA)0.2271%5,588
Pretax return on assets0.3680%5,385
Return on Equity (ROE)1.8732%5,598
Retained earnings to average equity (ytd only)1.8732%4,661
Net charge-offs to loans0.0028%4,370
Credit loss provision to net charge-offs6,220.0000%57
Earnings coverage of net charge-offs (x)234.5000%300
Efficiency ratio62.1906%4,572
Assets per employee ($millions)3.0595%5,469
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.1677%6,096
Loan loss allowance to noncurrent loans29.1151%5,348
Noncurrent assets plus other real estate owned to assets0.6032%3,272
Noncurrent loans to loans0.5761%3,445
Net loans and leases to total assets79.8983%856
Net loans and leases to deposits92.3164%1,368
Net loans and leases to core deposits95.0851%1,932
Total domestic deposits to total assets86.5482%2,354
Equity capital to assets11.6269%2,252
Core capital (leverage) ratio8.3028%5,602
Tier 1 risk-based capital ratio10.0345%5,945
Total risk-based capital ratio10.2014%6,097
Memoranda:
Average total assets$448,654,6001,495
Average earning assets$404,946,8001,516
Average equity$54,400,2001,375
Average total loans$357,309,2001,267
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9796%3,411
Cost of funding earning assets0.2753%4,609
Net interest margin3.7043%2,752
Noninterest income to average assets0.8435%1,639
Noninterest expense to average assets3.7837%870
Loan and lease loss provision to assets-0.2647%6,139
Net operating income to assets0.6767%4,002
Return on assets (ROA)0.6767%4,116
Pretax return on assets0.6892%4,715
Return on Equity (ROE)5.5232%4,394
Retained earnings to average equity (ytd only)-38.0682%6,241
Net charge-offs to loans-0.0323%5,387
Credit loss provision to net charge-offs1,031.3953%353
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.9107%709
Assets per employee ($millions)2.9733%5,576
Cash dividends to net income (ytd only)*789.2428%14
Condition Ratios (%)
Loss allowance to loans1.5549%1,947
Loan loss allowance to noncurrent loans206.3980%2,196
Noncurrent assets plus other real estate owned to assets0.6432%3,336
Noncurrent loans to loans0.7533%3,079
Net loans and leases to total assets81.2660%672
Net loans and leases to deposits99.7913%673
Net loans and leases to core deposits101.3371%1,423
Total domestic deposits to total assets81.4360%4,355
Equity capital to assets9.4272%4,849
Core capital (leverage) ratio8.2064%5,773
Tier 1 risk-based capital ratio9.7508%6,090
Total risk-based capital ratio11.0048%6,065
Memoranda:
Average total assets$446,851,7501,513
Average earning assets$405,896,2501,524
Average equity$54,749,5001,371
Average total loans$355,426,2501,279
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9466%3,506
Cost of funding earning assets0.2764%4,651
Net interest margin3.6702%2,836
Noninterest income to average assets0.8754%1,527
Noninterest expense to average assets3.9152%750
Loan and lease loss provision to assets0.0018%4,046
Net operating income to assets0.2814%5,491
Return on assets (ROA)0.2814%5,580
Pretax return on assets0.2832%5,685
Return on Equity (ROE)2.1293%5,648
Retained earnings to average equity (ytd only)2.1293%4,644
Net charge-offs to loans0.0247%3,181
Credit loss provision to net charge-offs9.3023%3,103
Earnings coverage of net charge-offs (x)14.7209%2,038
Efficiency ratio93.2140%562
Assets per employee ($millions)2.7400%5,876
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.8233%1,328
Loan loss allowance to noncurrent loans191.2779%2,304
Noncurrent assets plus other real estate owned to assets0.8198%2,923
Noncurrent loans to loans0.9532%2,740
Net loans and leases to total assets80.0743%794
Net loans and leases to deposits95.3188%1,020
Net loans and leases to core deposits96.7049%1,739
Total domestic deposits to total assets84.0068%3,560
Equity capital to assets13.2546%1,275
Core capital (leverage) ratio12.0353%1,641
Tier 1 risk-based capital ratio14.7042%3,525
Total risk-based capital ratio15.9615%3,449
Memoranda:
Average total assets$444,163,3301,533
Average earning assets$402,374,3301,544
Average equity$58,704,0001,298
Average total loans$348,724,3301,301
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8134%3,957
Cost of funding earning assets0.2813%4,654
Net interest margin3.5321%3,294
Noninterest income to average assets0.7337%2,002
Noninterest expense to average assets3.8217%855
Loan and lease loss provision to assets0.0009%3,699
Net operating income to assets0.0954%5,884
Return on assets (ROA)0.0954%5,940
Pretax return on assets0.0990%5,950
Return on Equity (ROE)0.7231%5,955
Retained earnings to average equity (ytd only)0.7231%5,162
Net charge-offs to loans0.1427%1,396
Credit loss provision to net charge-offs0.8197%2,488
Earnings coverage of net charge-offs (x)0.9098%2,994
Efficiency ratio97.4518%451
Assets per employee ($millions)2.7143%5,955
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9170%1,247
Loan loss allowance to noncurrent loans186.5236%2,353
Noncurrent assets plus other real estate owned to assets0.8989%2,839
Noncurrent loans to loans1.0278%2,711
Net loans and leases to total assets75.3872%1,295
Net loans and leases to deposits89.0438%1,498
Net loans and leases to core deposits90.2096%2,107
Total domestic deposits to total assets84.6631%3,555
Equity capital to assets13.3086%1,257
Core capital (leverage) ratio11.9671%1,656
Tier 1 risk-based capital ratio15.6809%3,068
Total risk-based capital ratio16.9396%3,006
Memoranda:
Average total assets$444,303,5001,542
Average earning assets$401,002,5001,557
Average equity$58,638,5001,305
Average total loans$342,068,0001,322
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9122%4,085
Cost of funding earning assets0.3042%4,755
Net interest margin3.6080%3,386
Noninterest income to average assets0.7813%1,945
Noninterest expense to average assets3.8892%868
Loan and lease loss provision to assets-0.2757%6,354
Net operating income to assets0.4323%5,098
Return on assets (ROA)0.4359%5,177
Pretax return on assets0.4392%5,405
Return on Equity (ROE)3.4021%5,328
Retained earnings to average equity (ytd only)2.7122%4,318
Net charge-offs to loans0.0762%3,398
Credit loss provision to net charge-offs-488.4462%5,782
Earnings coverage of net charge-offs (x)2.8327%4,052
Efficiency ratio96.0509%502
Assets per employee ($millions)2.7347%5,997
Cash dividends to net income (ytd only)*20.2786%3,804
Condition Ratios (%)
Loss allowance to loans1.9298%1,240
Loan loss allowance to noncurrent loans199.8796%2,239
Noncurrent assets plus other real estate owned to assets0.8760%3,018
Noncurrent loans to loans0.9655%2,910
Net loans and leases to total assets75.6997%1,316
Net loans and leases to deposits89.1184%1,604
Net loans and leases to core deposits90.2708%2,251
Total domestic deposits to total assets84.9429%3,308
Equity capital to assets13.0598%1,344
Core capital (leverage) ratio11.6343%1,880
Tier 1 risk-based capital ratio16.1683%2,875
Total risk-based capital ratio17.4284%2,813
Memoranda:
Average total assets$444,646,8001,492
Average earning assets$402,716,8001,517
Average equity$56,965,6001,287
Average total loans$329,515,8001,329
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8251%4,452
Cost of funding earning assets0.3083%4,801
Net interest margin3.5168%3,765
Noninterest income to average assets0.8194%1,818
Noninterest expense to average assets3.8180%948
Loan and lease loss provision to assets-0.3718%6,500
Net operating income to assets0.5560%4,649
Return on assets (ROA)0.5572%4,721
Pretax return on assets0.5608%5,154
Return on Equity (ROE)4.3703%5,014
Retained earnings to average equity (ytd only)4.3703%3,541
Net charge-offs to loans0.0904%2,922
Credit loss provision to net charge-offs-560.6335%5,773
Earnings coverage of net charge-offs (x)2.8326%3,815
Efficiency ratio95.3112%530
Assets per employee ($millions)2.8444%5,918
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.9639%1,322
Loan loss allowance to noncurrent loans100.5893%3,660
Noncurrent assets plus other real estate owned to assets1.8655%1,579
Noncurrent loans to loans1.9524%1,632
Net loans and leases to total assets73.9441%1,536
Net loans and leases to deposits87.7498%1,703
Net loans and leases to core deposits88.9686%2,331
Total domestic deposits to total assets84.2670%3,651
Equity capital to assets12.9200%1,470
Core capital (leverage) ratio11.7292%1,890
Tier 1 risk-based capital ratio16.3102%2,898
Total risk-based capital ratio17.5707%2,845
Memoranda:
Average total assets$444,369,5001,506
Average earning assets$402,631,0001,527
Average equity$56,653,2501,301
Average total loans$325,875,7501,348
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7984%4,532
Cost of funding earning assets0.3139%4,838
Net interest margin3.4845%3,841
Noninterest income to average assets0.7938%1,857
Noninterest expense to average assets3.8402%922
Loan and lease loss provision to assets-0.5616%6,605
Net operating income to assets0.6660%4,016
Return on assets (ROA)0.6677%4,105
Pretax return on assets0.6718%4,730
Return on Equity (ROE)5.2614%4,548
Retained earnings to average equity (ytd only)5.2614%2,789
Net charge-offs to loans0.0323%3,552
Credit loss provision to net charge-offs-2,390.3846%5,836
Earnings coverage of net charge-offs (x)4.6154%3,075
Efficiency ratio97.2540%498
Assets per employee ($millions)2.7182%6,115
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.0576%1,265
Loan loss allowance to noncurrent loans100.4269%3,636
Noncurrent assets plus other real estate owned to assets1.9391%1,663
Noncurrent loans to loans2.0488%1,641
Net loans and leases to total assets72.4030%1,669
Net loans and leases to deposits86.8414%1,733
Net loans and leases to core deposits88.0618%2,311
Total domestic deposits to total assets83.3738%4,165
Equity capital to assets12.8178%1,478
Core capital (leverage) ratio11.9281%1,704
Tier 1 risk-based capital ratio16.5712%2,792
Total risk-based capital ratio17.8328%2,756
Memoranda:
Average total assets$442,686,6701,513
Average earning assets$400,799,0001,527
Average equity$56,182,6701,295
Average total loans$321,509,3301,356
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7486%4,677
Cost of funding earning assets0.3225%4,828
Net interest margin3.4261%4,005
Noninterest income to average assets0.7549%1,941
Noninterest expense to average assets3.8738%897
Loan and lease loss provision to assets-0.9050%6,699
Net operating income to assets0.8941%2,684
Return on assets (ROA)0.8941%2,744
Pretax return on assets0.8977%3,705
Return on Equity (ROE)7.0809%3,428
Retained earnings to average equity (ytd only)7.0809%2,003
Net charge-offs to loans0.0038%3,599
Credit loss provision to net charge-offs-33,166.6667%5,677
Earnings coverage of net charge-offs (x)-2.6667%3,549
Efficiency ratio100.1882%461
Assets per employee ($millions)2.6460%6,251
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.2213%1,126
Loan loss allowance to noncurrent loans62.4967%4,748
Noncurrent assets plus other real estate owned to assets2.7607%1,087
Noncurrent loans to loans3.5543%810
Net loans and leases to total assets71.3443%1,676
Net loans and leases to deposits84.1036%1,810
Net loans and leases to core deposits85.2311%2,397
Total domestic deposits to total assets84.8291%3,944
Equity capital to assets12.8421%1,387
Core capital (leverage) ratio11.8344%1,741
Tier 1 risk-based capital ratio17.3196%2,548
Total risk-based capital ratio18.5841%2,510
Memoranda:
Average total assets$439,775,5001,531
Average earning assets$399,404,0001,539
Average equity$55,529,5001,302
Average total loans$316,486,0001,376
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8009%4,814
Cost of funding earning assets0.3739%4,905
Net interest margin3.4269%4,177
Noninterest income to average assets0.8295%1,939
Noninterest expense to average assets3.8255%1,097
Loan and lease loss provision to assets0.0058%5,009
Net operating income to assets0.1148%6,010
Return on assets (ROA)0.1148%6,072
Pretax return on assets0.1148%6,072
Return on Equity (ROE)0.9228%6,095
Retained earnings to average equity (ytd only)0.9228%5,424
Net charge-offs to loans0.2004%2,870
Credit loss provision to net charge-offs4.3845%4,657
Earnings coverage of net charge-offs (x)0.9140%4,780
Efficiency ratio96.9432%590
Assets per employee ($millions)2.6054%6,311
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.5976%725
Loan loss allowance to noncurrent loans99.2056%3,636
Noncurrent assets plus other real estate owned to assets1.9588%1,844
Noncurrent loans to loans2.6184%1,422
Net loans and leases to total assets69.1246%2,154
Net loans and leases to deposits80.6178%2,370
Net loans and leases to core deposits81.9574%2,900
Total domestic deposits to total assets85.7436%3,396
Equity capital to assets12.4120%1,559
Core capital (leverage) ratio11.5821%1,902
Tier 1 risk-based capital ratio17.4818%2,426
Total risk-based capital ratio18.7511%2,393
Memoranda:
Average total assets$449,328,4001,481
Average earning assets$408,644,2001,486
Average equity$55,918,4001,277
Average total loans$295,979,4001,425
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7250%5,098
Cost of funding earning assets0.3860%4,941
Net interest margin3.3390%4,501
Noninterest income to average assets0.8633%1,884
Noninterest expense to average assets3.7955%1,086
Loan and lease loss provision to assets0.0059%4,852
Net operating income to assets0.0986%6,142
Return on assets (ROA)0.0986%6,200
Pretax return on assets0.0986%6,212
Return on Equity (ROE)0.7919%6,215
Retained earnings to average equity (ytd only)0.7919%5,664
Net charge-offs to loans0.4966%1,296
Credit loss provision to net charge-offs1.8399%4,321
Earnings coverage of net charge-offs (x)0.3257%4,755
Efficiency ratio97.3200%558
Assets per employee ($millions)2.5437%6,435
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.4738%964
Loan loss allowance to noncurrent loans86.3410%3,866
Noncurrent assets plus other real estate owned to assets2.1489%1,860
Noncurrent loans to loans2.8652%1,438
Net loans and leases to total assets67.8470%2,317
Net loans and leases to deposits79.9753%2,411
Net loans and leases to core deposits81.3112%2,959
Total domestic deposits to total assets84.8349%3,826
Equity capital to assets12.3987%1,637
Core capital (leverage) ratio11.4403%2,094
Tier 1 risk-based capital ratio17.5172%2,502
Total risk-based capital ratio18.7846%2,465
Memoranda:
Average total assets$451,581,7501,477
Average earning assets$410,689,5001,485
Average equity$56,235,0001,279
Average total loans$291,853,5001,453
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6393%5,324
Cost of funding earning assets0.4051%4,891
Net interest margin3.2342%4,825
Noninterest income to average assets0.8487%2,005
Noninterest expense to average assets3.7741%1,135
Loan and lease loss provision to assets0.0070%4,706
Net operating income to assets0.0075%6,293
Return on assets (ROA)0.0075%6,358
Pretax return on assets0.0075%6,344
Return on Equity (ROE)0.0600%6,362
Retained earnings to average equity (ytd only)0.0600%5,831
Net charge-offs to loans0.4377%1,484
Credit loss provision to net charge-offs2.5518%3,977
Earnings coverage of net charge-offs (x)0.0526%4,531
Efficiency ratio99.6168%500
Assets per employee ($millions)2.6056%6,394
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.7299%763
Loan loss allowance to noncurrent loans78.5235%4,088
Noncurrent assets plus other real estate owned to assets2.4842%1,708
Noncurrent loans to loans3.4766%1,228
Net loans and leases to total assets64.1850%2,883
Net loans and leases to deposits76.1106%2,857
Net loans and leases to core deposits77.1968%3,399
Total domestic deposits to total assets84.3312%4,185
Equity capital to assets12.2818%1,720
Core capital (leverage) ratio11.2189%2,158
Tier 1 risk-based capital ratio18.2785%2,219
Total risk-based capital ratio19.5497%2,176
Memoranda:
Average total assets$454,577,0001,468
Average earning assets$413,211,0001,475
Average equity$56,688,0001,272
Average total loans$286,503,0001,476
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6233%5,380
Cost of funding earning assets0.4168%4,939
Net interest margin3.2064%4,913
Noninterest income to average assets0.7759%2,232
Noninterest expense to average assets3.7013%1,245
Loan and lease loss provision to assets0.0052%4,368
Net operating income to assets-0.0201%6,371
Return on assets (ROA)-0.0201%6,436
Pretax return on assets-0.0201%6,426
Return on Equity (ROE)-0.1600%6,438
Retained earnings to average equity (ytd only)-0.1600%5,808
Net charge-offs to loans1.3211%430
Credit loss provision to net charge-offs0.6445%3,235
Earnings coverage of net charge-offs (x)-0.0183%3,830
Efficiency ratio100.4029%533
Assets per employee ($millions)2.6606%6,444
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.7717%848
Loan loss allowance to noncurrent loans63.7918%4,563
Noncurrent assets plus other real estate owned to assets2.9569%1,522
Noncurrent loans to loans4.3449%986
Net loans and leases to total assets59.8247%3,456
Net loans and leases to deposits70.9320%3,334
Net loans and leases to core deposits71.7762%3,851
Total domestic deposits to total assets84.3410%4,338
Equity capital to assets12.5964%1,655
Core capital (leverage) ratio11.1151%2,166
Tier 1 risk-based capital ratio19.4150%1,937
Total risk-based capital ratio20.6869%1,902
Memoranda:
Average total assets$457,786,5001,470
Average earning assets$415,538,0001,484
Average equity$57,511,0001,270
Average total loans$281,893,0001,510
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9304%5,490
Cost of funding earning assets0.5864%4,478
Net interest margin3.3441%5,092
Noninterest income to average assets0.8134%2,203
Noninterest expense to average assets3.4842%1,851
Loan and lease loss provision to assets0.3909%1,666
Net operating income to assets-0.0140%6,188
Return on assets (ROA)-0.0140%6,318
Pretax return on assets-0.0140%6,298
Return on Equity (ROE)-0.1130%6,319
Retained earnings to average equity (ytd only)-0.1130%5,870
Net charge-offs to loans0.7942%1,475
Credit loss provision to net charge-offs76.9983%3,930
Earnings coverage of net charge-offs (x)0.7423%5,107
Efficiency ratio90.2404%1,047
Assets per employee ($millions)2.8258%6,277
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.0594%629
Loan loss allowance to noncurrent loans63.9941%4,490
Noncurrent assets plus other real estate owned to assets3.2720%1,409
Noncurrent loans to loans4.7808%860
Net loans and leases to total assets59.7387%3,648
Net loans and leases to deposits70.3054%3,666
Net loans and leases to core deposits71.0596%4,161
Total domestic deposits to total assets84.9703%3,878
Equity capital to assets12.5297%1,688
Core capital (leverage) ratio11.0234%2,236
Tier 1 risk-based capital ratio19.3886%1,844
Total risk-based capital ratio20.6652%1,803
Memoranda:
Average total assets$463,347,6001,423
Average earning assets$422,270,0001,426
Average equity$57,529,8001,237
Average total loans$296,157,0001,418
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9661%5,614
Cost of funding earning assets0.6166%4,483
Net interest margin3.3494%5,215
Noninterest income to average assets0.8324%2,109
Noninterest expense to average assets3.4638%1,850
Loan and lease loss provision to assets0.5201%1,157
Net operating income to assets-0.0940%6,400
Return on assets (ROA)-0.0940%6,493
Pretax return on assets-0.0940%6,476
Return on Equity (ROE)-0.7585%6,484
Retained earnings to average equity (ytd only)-0.7585%6,235
Net charge-offs to loans0.5329%2,010
Credit loss provision to net charge-offs151.3378%1,866
Earnings coverage of net charge-offs (x)1.2400%4,668
Efficiency ratio89.0456%1,111
Assets per employee ($millions)2.7465%6,437
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.4492%485
Loan loss allowance to noncurrent loans48.9600%5,185
Noncurrent assets plus other real estate owned to assets4.7109%965
Noncurrent loans to loans7.0449%514
Net loans and leases to total assets60.4088%3,692
Net loans and leases to deposits72.1144%3,596
Net loans and leases to core deposits73.0131%4,118
Total domestic deposits to total assets83.7679%4,330
Equity capital to assets12.6398%1,802
Core capital (leverage) ratio10.9162%2,468
Tier 1 risk-based capital ratio19.3502%1,905
Total risk-based capital ratio20.6322%1,875
Memoranda:
Average total assets$464,032,2501,441
Average earning assets$423,583,2501,440
Average equity$57,484,0001,243
Average total loans$299,234,7501,414
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0506%5,484
Cost of funding earning assets0.6548%4,400
Net interest margin3.3957%5,106
Noninterest income to average assets0.8724%1,884
Noninterest expense to average assets3.4088%2,008
Loan and lease loss provision to assets0.7730%666
Net operating income to assets-0.2117%6,559
Return on assets (ROA)-0.2117%6,622
Pretax return on assets-0.2117%6,594
Return on Equity (ROE)-1.7202%6,601
Retained earnings to average equity (ytd only)-1.7202%6,320
Net charge-offs to loans0.6956%1,592
Credit loss provision to net charge-offs170.6717%1,642
Earnings coverage of net charge-offs (x)1.2394%4,388
Efficiency ratio85.8608%1,448
Assets per employee ($millions)2.8545%6,309
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.3834%545
Loan loss allowance to noncurrent loans50.1635%5,112
Noncurrent assets plus other real estate owned to assets4.6733%1,039
Noncurrent loans to loans6.7448%598
Net loans and leases to total assets61.5781%3,514
Net loans and leases to deposits73.5772%3,364
Net loans and leases to core deposits74.5092%3,954
Total domestic deposits to total assets83.6918%4,443
Equity capital to assets12.3792%1,895
Core capital (leverage) ratio10.8022%2,478
Tier 1 risk-based capital ratio19.0701%1,949
Total risk-based capital ratio20.3524%1,920
Memoranda:
Average total assets$466,735,0001,431
Average earning assets$425,768,0001,436
Average equity$57,436,0001,233
Average total loans$303,894,0001,390
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1417%5,307
Cost of funding earning assets0.7018%4,272
Net interest margin3.4399%4,956
Noninterest income to average assets0.7047%2,638
Noninterest expense to average assets3.2767%2,367
Loan and lease loss provision to assets0.7678%650
Net operating income to assets-0.1996%6,638
Return on assets (ROA)-0.1996%6,687
Pretax return on assets-0.1996%6,663
Return on Equity (ROE)-1.6269%6,661
Retained earnings to average equity (ytd only)-1.6269%6,234
Net charge-offs to loans0.0428%4,092
Credit loss provision to net charge-offs2,727.2727%107
Earnings coverage of net charge-offs (x)20.1818%1,197
Efficiency ratio85.2230%1,559
Assets per employee ($millions)3.0597%6,042
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.3245%610
Loan loss allowance to noncurrent loans55.8155%4,750
Noncurrent assets plus other real estate owned to assets4.2058%1,291
Noncurrent loans to loans5.9562%842
Net loans and leases to total assets63.1036%3,020
Net loans and leases to deposits75.9725%2,797
Net loans and leases to core deposits76.8810%3,489
Total domestic deposits to total assets83.0612%4,900
Equity capital to assets12.3675%1,810
Core capital (leverage) ratio10.8501%2,389
Tier 1 risk-based capital ratio18.5630%2,124
Total risk-based capital ratio19.8442%2,079
Memoranda:
Average total assets$468,884,0001,430
Average earning assets$428,032,5001,434
Average equity$57,531,0001,232
Average total loans$308,475,0001,376
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5577%4,844
Cost of funding earning assets0.8824%4,236
Net interest margin3.6753%4,412
Noninterest income to average assets0.4591%4,151
Noninterest expense to average assets3.1988%2,873
Loan and lease loss provision to assets2.0314%288
Net operating income to assets-1.4228%6,887
Return on assets (ROA)-1.4232%6,908
Pretax return on assets-1.4161%6,872
Return on Equity (ROE)-11.7809%6,793
Retained earnings to average equity (ytd only)-11.7809%6,760
Net charge-offs to loans2.9458%336
Credit loss provision to net charge-offs98.0142%3,666
Earnings coverage of net charge-offs (x)0.2971%5,602
Efficiency ratio83.8572%1,779
Assets per employee ($millions)3.0497%5,994
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.9437%856
Loan loss allowance to noncurrent loans50.3686%4,998
Noncurrent assets plus other real estate owned to assets4.3681%1,265
Noncurrent loans to loans5.8443%869
Net loans and leases to total assets64.3449%3,106
Net loans and leases to deposits78.2266%2,800
Net loans and leases to core deposits79.2006%3,552
Total domestic deposits to total assets82.2545%5,046
Equity capital to assets12.1737%1,995
Core capital (leverage) ratio10.6103%2,610
Tier 1 risk-based capital ratio18.1592%2,143
Total risk-based capital ratio19.4354%2,109
Memoranda:
Average total assets$502,942,4001,332
Average earning assets$459,177,2001,331
Average equity$60,759,4001,110
Average total loans$353,857,6001,197
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6206%4,788
Cost of funding earning assets0.9278%4,214
Net interest margin3.6928%4,373
Noninterest income to average assets0.5717%3,370
Noninterest expense to average assets3.1633%2,947
Loan and lease loss provision to assets2.0126%268
Net operating income to assets-1.2390%6,973
Return on assets (ROA)-1.2390%6,991
Pretax return on assets-1.2320%6,950
Return on Equity (ROE)-10.2743%6,896
Retained earnings to average equity (ytd only)-10.2743%6,861
Net charge-offs to loans2.3342%499
Credit loss provision to net charge-offs120.9353%2,681
Earnings coverage of net charge-offs (x)0.4691%5,272
Efficiency ratio80.2066%2,230
Assets per employee ($millions)3.2186%5,633
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.1887%729
Loan loss allowance to noncurrent loans48.3387%5,121
Noncurrent assets plus other real estate owned to assets5.5973%990
Noncurrent loans to loans6.5966%795
Net loans and leases to total assets67.7034%2,535
Net loans and leases to deposits83.0225%2,170
Net loans and leases to core deposits84.3539%3,011
Total domestic deposits to total assets81.5483%5,238
Equity capital to assets12.4440%1,953
Core capital (leverage) ratio10.9680%2,419
Tier 1 risk-based capital ratio17.6297%2,387
Total risk-based capital ratio18.9092%2,342
Memoranda:
Average total assets$510,502,7501,317
Average earning assets$466,193,7501,313
Average equity$61,563,0001,100
Average total loans$363,976,0001,177
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6561%4,728
Cost of funding earning assets0.9839%4,058
Net interest margin3.6722%4,396
Noninterest income to average assets0.6218%2,996
Noninterest expense to average assets3.3343%2,453
Loan and lease loss provision to assets2.2323%252
Net operating income to assets-1.5908%7,122
Return on assets (ROA)-1.5908%7,134
Pretax return on assets-1.5839%7,093
Return on Equity (ROE)-13.3230%7,021
Retained earnings to average equity (ytd only)-13.3230%6,983
Net charge-offs to loans3.3244%282
Credit loss provision to net charge-offs93.6249%3,357
Earnings coverage of net charge-offs (x)0.2719%5,107
Efficiency ratio83.7198%1,852
Assets per employee ($millions)3.3044%5,417
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.5528%1,364
Loan loss allowance to noncurrent loans50.9069%4,969
Noncurrent assets plus other real estate owned to assets4.6869%1,333
Noncurrent loans to loans5.0145%1,301
Net loans and leases to total assets69.1381%2,388
Net loans and leases to deposits84.8995%1,962
Net loans and leases to core deposits86.1950%2,877
Total domestic deposits to total assets81.4353%5,373
Equity capital to assets12.1005%2,026
Core capital (leverage) ratio10.4823%2,728
Tier 1 risk-based capital ratio17.0005%2,519
Total risk-based capital ratio18.2708%2,488
Memoranda:
Average total assets$519,742,0001,295
Average earning assets$475,682,0001,292
Average equity$62,058,0001,088
Average total loans$372,758,6701,170
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6512%4,741
Cost of funding earning assets1.0382%3,932
Net interest margin3.6130%4,513
Noninterest income to average assets0.6745%2,708
Noninterest expense to average assets3.2113%2,861
Loan and lease loss provision to assets1.4276%459
Net operating income to assets-0.6572%6,898
Return on assets (ROA)-0.6572%6,900
Pretax return on assets-0.6504%6,844
Return on Equity (ROE)-5.5391%6,839
Retained earnings to average equity (ytd only)-5.5391%6,557
Net charge-offs to loans1.8015%720
Credit loss provision to net charge-offs109.9361%2,429
Earnings coverage of net charge-offs (x)0.5985%4,178
Efficiency ratio80.5146%2,438
Assets per employee ($millions)3.3411%5,389
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.5979%1,316
Loan loss allowance to noncurrent loans45.5940%5,268
Noncurrent assets plus other real estate owned to assets5.2369%1,188
Noncurrent loans to loans5.6979%1,141
Net loans and leases to total assets69.5246%2,217
Net loans and leases to deposits86.1108%1,713
Net loans and leases to core deposits88.1188%2,582
Total domestic deposits to total assets80.7385%5,737
Equity capital to assets12.0806%1,869
Core capital (leverage) ratio10.7817%2,370
Tier 1 risk-based capital ratio17.2655%2,385
Total risk-based capital ratio18.5367%2,350
Memoranda:
Average total assets$530,132,0001,278
Average earning assets$486,244,5001,266
Average equity$62,898,5001,067
Average total loans$382,133,0001,151
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1468%3,870
Cost of funding earning assets1.3672%3,473
Net interest margin3.7796%4,031
Noninterest income to average assets0.7428%2,575
Noninterest expense to average assets3.3848%2,476
Loan and lease loss provision to assets0.7667%2,134
Net operating income to assets0.0545%5,684
Return on assets (ROA)0.1888%5,480
Pretax return on assets0.1888%5,513
Return on Equity (ROE)1.6457%5,512
Retained earnings to average equity (ytd only)1.6457%4,694
Net charge-offs to loans1.8141%1,162
Credit loss provision to net charge-offs55.2301%6,174
Earnings coverage of net charge-offs (x)0.5916%5,513
Efficiency ratio80.4740%2,350
Assets per employee ($millions)3.2873%5,461
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.3901%1,555
Loan loss allowance to noncurrent loans75.7347%3,699
Noncurrent assets plus other real estate owned to assets3.5177%1,965
Noncurrent loans to loans3.1559%2,411
Net loans and leases to total assets71.0155%2,299
Net loans and leases to deposits88.7862%1,679
Net loans and leases to core deposits91.8501%2,519
Total domestic deposits to total assets79.9849%5,836
Equity capital to assets11.6585%2,154
Core capital (leverage) ratio10.4730%2,589
Tier 1 risk-based capital ratio16.4926%2,521
Total risk-based capital ratio17.7609%2,489
Memoranda:
Average total assets$555,724,4001,210
Average earning assets$509,208,4001,207
Average equity$63,743,6001,046
Average total loans$425,269,0001,049
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1740%3,964
Cost of funding earning assets1.4259%3,420
Net interest margin3.7481%4,195
Noninterest income to average assets0.7369%2,597
Noninterest expense to average assets3.3508%2,428
Loan and lease loss provision to assets0.6022%2,536
Net operating income to assets0.2180%5,453
Return on assets (ROA)0.3456%5,159
Pretax return on assets0.3456%5,381
Return on Equity (ROE)3.0248%5,209
Retained earnings to average equity (ytd only)3.0248%4,315
Net charge-offs to loans1.9984%945
Credit loss provision to net charge-offs38.9120%6,030
Earnings coverage of net charge-offs (x)0.5300%5,497
Efficiency ratio80.3362%2,291
Assets per employee ($millions)3.2141%5,645
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.1618%1,871
Loan loss allowance to noncurrent loans53.7794%4,711
Noncurrent assets plus other real estate owned to assets4.1355%1,666
Noncurrent loans to loans4.0198%1,870
Net loans and leases to total assets73.0399%2,010
Net loans and leases to deposits92.8739%1,346
Net loans and leases to core deposits96.1981%2,234
Total domestic deposits to total assets78.6442%6,107
Equity capital to assets11.6948%2,363
Core capital (leverage) ratio10.4873%2,702
Tier 1 risk-based capital ratio15.5975%2,945
Total risk-based capital ratio16.8620%2,905
Memoranda:
Average total assets$559,055,2501,206
Average earning assets$512,215,0001,212
Average equity$63,870,5001,045
Average total loans$432,931,0001,041
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2716%3,597
Cost of funding earning assets1.4883%3,314
Net interest margin3.7833%3,970
Noninterest income to average assets0.6205%3,192
Noninterest expense to average assets3.3429%2,421
Loan and lease loss provision to assets0.4320%3,157
Net operating income to assets0.3076%5,147
Return on assets (ROA)0.3076%5,301
Pretax return on assets0.3076%5,473
Return on Equity (ROE)2.7134%5,363
Retained earnings to average equity (ytd only)2.7134%4,409
Net charge-offs to loans1.5170%1,259
Credit loss provision to net charge-offs36.3418%5,655
Earnings coverage of net charge-offs (x)0.6222%5,117
Efficiency ratio81.8841%2,184
Assets per employee ($millions)3.2273%5,612
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.4968%1,304
Loan loss allowance to noncurrent loans56.0310%4,572
Noncurrent assets plus other real estate owned to assets4.5198%1,463
Noncurrent loans to loans4.4561%1,639
Net loans and leases to total assets75.7201%1,540
Net loans and leases to deposits96.2623%1,021
Net loans and leases to core deposits99.9273%2,023
Total domestic deposits to total assets78.6601%6,121
Equity capital to assets11.6097%2,351
Core capital (leverage) ratio10.3245%2,800
Tier 1 risk-based capital ratio14.3757%3,504
Total risk-based capital ratio15.6439%3,469
Memoranda:
Average total assets$561,131,0001,211
Average earning assets$513,471,6701,208
Average equity$63,610,0001,049
Average total loans$439,672,3301,033
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3099%3,497
Cost of funding earning assets1.5653%3,171
Net interest margin3.7446%4,036
Noninterest income to average assets0.5757%3,452
Noninterest expense to average assets3.3310%2,427
Loan and lease loss provision to assets0.4283%2,818
Net operating income to assets0.2311%5,573
Return on assets (ROA)0.2311%5,692
Pretax return on assets0.2375%5,773
Return on Equity (ROE)2.0635%5,739
Retained earnings to average equity (ytd only)2.0635%4,891
Net charge-offs to loans1.7839%972
Credit loss provision to net charge-offs30.5051%4,805
Earnings coverage of net charge-offs (x)0.4742%4,599
Efficiency ratio83.3422%2,096
Assets per employee ($millions)3.1172%5,962
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.6234%1,151
Loan loss allowance to noncurrent loans94.1744%2,927
Noncurrent assets plus other real estate owned to assets3.8151%1,820
Noncurrent loans to loans2.7857%2,872
Net loans and leases to total assets76.1424%1,512
Net loans and leases to deposits96.8644%1,012
Net loans and leases to core deposits100.2833%2,102
Total domestic deposits to total assets78.6073%6,172
Equity capital to assets11.3222%2,486
Core capital (leverage) ratio10.1036%3,037
Tier 1 risk-based capital ratio13.6902%3,871
Total risk-based capital ratio14.9593%3,810
Memoranda:
Average total assets$564,152,5001,234
Average earning assets$515,414,0001,231
Average equity$63,193,0001,058
Average total loans$443,970,5001,050
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5655%3,784
Cost of funding earning assets2.1382%2,289
Net interest margin3.4273%5,263
Noninterest income to average assets0.5474%4,048
Noninterest expense to average assets3.2417%3,224
Loan and lease loss provision to assets1.4461%1,593
Net operating income to assets-0.9928%6,574
Return on assets (ROA)-0.9928%6,577
Pretax return on assets-0.9866%6,402
Return on Equity (ROE)-9.1245%6,549
Retained earnings to average equity (ytd only)-9.1245%6,444
Net charge-offs to loans0.8893%2,618
Credit loss provision to net charge-offs202.7407%1,913
Earnings coverage of net charge-offs (x)0.6442%5,451
Efficiency ratio87.5855%1,922
Assets per employee ($millions)2.9088%6,434
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.8686%868
Loan loss allowance to noncurrent loans105.4415%2,670
Noncurrent assets plus other real estate owned to assets3.4980%1,922
Noncurrent loans to loans2.7206%2,844
Net loans and leases to total assets76.9228%1,597
Net loans and leases to deposits96.6310%1,254
Net loans and leases to core deposits111.6446%2,731
Total domestic deposits to total assets79.6047%5,813
Equity capital to assets11.0819%2,644
Core capital (leverage) ratio9.7706%3,367
Tier 1 risk-based capital ratio13.3194%3,933
Total risk-based capital ratio14.5918%3,866
Memoranda:
Average total assets$588,264,2001,170
Average earning assets$541,335,4001,165
Average equity$64,003,8001,034
Average total loans$471,853,2001,020
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5550%4,122
Cost of funding earning assets2.2399%2,235
Net interest margin3.3151%5,580
Noninterest income to average assets0.5445%4,124
Noninterest expense to average assets3.0587%3,810
Loan and lease loss provision to assets1.0336%1,855
Net operating income to assets-0.4974%6,421
Return on assets (ROA)-0.4962%6,425
Pretax return on assets-0.4902%6,284
Return on Equity (ROE)-4.5812%6,409
Retained earnings to average equity (ytd only)-4.5812%6,202
Net charge-offs to loans0.9108%2,148
Credit loss provision to net charge-offs141.0484%3,482
Earnings coverage of net charge-offs (x)0.7400%5,300
Efficiency ratio84.9407%2,194
Assets per employee ($millions)3.1257%5,841
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.1503%1,501
Loan loss allowance to noncurrent loans90.5305%3,037
Noncurrent assets plus other real estate owned to assets3.1772%2,136
Noncurrent loans to loans2.3752%3,173
Net loans and leases to total assets77.1821%1,747
Net loans and leases to deposits97.8954%1,343
Net loans and leases to core deposits117.2183%2,505
Total domestic deposits to total assets78.8415%5,855
Equity capital to assets11.4071%2,665
Core capital (leverage) ratio10.1086%3,165
Tier 1 risk-based capital ratio13.6434%3,751
Total risk-based capital ratio14.9059%3,682
Memoranda:
Average total assets$593,527,0001,175
Average earning assets$547,215,0001,165
Average equity$64,290,2501,044
Average total loans$477,516,0001,024
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5690%4,223
Cost of funding earning assets2.3420%2,194
Net interest margin3.2270%5,815
Noninterest income to average assets0.5016%4,430
Noninterest expense to average assets2.8773%4,591
Loan and lease loss provision to assets1.1657%1,475
Net operating income to assets-0.5770%6,629
Return on assets (ROA)-0.5753%6,638
Pretax return on assets-0.5693%6,496
Return on Equity (ROE)-5.4052%6,648
Retained earnings to average equity (ytd only)-5.4052%6,355
Net charge-offs to loans0.8783%1,938
Credit loss provision to net charge-offs163.9321%2,798
Earnings coverage of net charge-offs (x)0.8364%4,912
Efficiency ratio82.8698%2,619
Assets per employee ($millions)3.3020%5,314
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.1056%1,383
Loan loss allowance to noncurrent loans98.0549%2,947
Noncurrent assets plus other real estate owned to assets2.5131%2,562
Noncurrent loans to loans2.1473%3,316
Net loans and leases to total assets75.9938%2,180
Net loans and leases to deposits94.7950%1,976
Net loans and leases to core deposits117.8010%2,557
Total domestic deposits to total assets80.1665%5,410
Equity capital to assets10.4630%3,449
Core capital (leverage) ratio9.5173%3,859
Tier 1 risk-based capital ratio12.6685%4,382
Total risk-based capital ratio13.9303%4,289
Memoranda:
Average total assets$596,532,3301,190
Average earning assets$549,110,6701,179
Average equity$63,495,0001,070
Average total loans$483,004,0001,040
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5637%4,554
Cost of funding earning assets2.3682%2,424
Net interest margin3.1956%5,872
Noninterest income to average assets0.4406%4,867
Noninterest expense to average assets2.8764%4,244
Loan and lease loss provision to assets0.8744%1,502
Net operating income to assets-0.3756%6,758
Return on assets (ROA)-0.3756%6,836
Pretax return on assets-0.3695%6,724
Return on Equity (ROE)-3.4984%6,839
Retained earnings to average equity (ytd only)-3.4984%6,364
Net charge-offs to loans0.7932%1,628
Credit loss provision to net charge-offs133.3333%3,026
Earnings coverage of net charge-offs (x)0.7699%4,407
Efficiency ratio85.0681%2,187
Assets per employee ($millions)3.2588%5,428
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.8326%1,775
Loan loss allowance to noncurrent loans77.2530%3,788
Noncurrent assets plus other real estate owned to assets2.6366%2,178
Noncurrent loans to loans2.3722%2,772
Net loans and leases to total assets78.2153%1,771
Net loans and leases to deposits97.3925%1,757
Net loans and leases to core deposits123.9005%2,090
Total domestic deposits to total assets80.3094%5,239
Equity capital to assets10.3730%3,588
Core capital (leverage) ratio9.6972%3,762
Tier 1 risk-based capital ratio11.9868%4,977
Total risk-based capital ratio13.2448%4,852
Memoranda:
Average total assets$591,010,0001,207
Average earning assets$543,879,0001,194
Average equity$63,457,0001,075
Average total loans$488,680,0001,035
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3839%3,503
Cost of funding earning assets2.6784%3,271
Net interest margin3.7055%4,451
Noninterest income to average assets0.4802%4,796
Noninterest expense to average assets2.7887%4,869
Loan and lease loss provision to assets0.7493%1,990
Net operating income to assets0.3477%5,360
Return on assets (ROA)0.3477%5,173
Pretax return on assets0.3542%5,380
Return on Equity (ROE)2.9864%5,241
Retained earnings to average equity (ytd only)-1.9915%5,866
Net charge-offs to loans0.2945%3,434
Credit loss provision to net charge-offs294.5186%1,535
Earnings coverage of net charge-offs (x)4.3373%4,013
Efficiency ratio71.6491%4,005
Assets per employee ($millions)3.0622%5,887
Cash dividends to net income (ytd only)*166.6838%412
Condition Ratios (%)
Loss allowance to loans1.7435%1,787
Loan loss allowance to noncurrent loans85.7243%3,935
Noncurrent assets plus other real estate owned to assets2.4380%1,988
Noncurrent loans to loans2.0338%2,721
Net loans and leases to total assets84.3914%822
Net loans and leases to deposits108.0499%969
Net loans and leases to core deposits131.4423%1,761
Total domestic deposits to total assets78.1041%5,676
Equity capital to assets11.1244%2,945
Core capital (leverage) ratio10.2094%3,254
Tier 1 risk-based capital ratio11.7042%5,054
Total risk-based capital ratio12.9605%4,949
Memoranda:
Average total assets$559,338,6001,212
Average earning assets$515,016,6001,203
Average equity$65,128,4001,029
Average total loans$483,202,000991