Home > Midtown Bank & Trust Company > Performance and Condition Ratios
Midtown Bank & Trust Company, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 1,482 |
| Cost of funding earning assets | 0.9306% | 341 |
| Net interest margin | 3.7028% | 3,014 |
| Noninterest income to average assets | 0.9482% | 1,368 |
| Noninterest expense to average assets | 3.6648% | 1,182 |
| Loan and lease loss provision to assets | -0.0259% | 6,120 |
| Net operating income to assets | 0.4442% | 5,100 |
| Return on assets (ROA) | 0.4628% | 5,100 |
| Pretax return on assets | 0.7767% | 4,442 |
| Return on Equity (ROE) | 4.6363% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.6363% | 3,334 |
| Net charge-offs to loans | 0.2009% | 1,858 |
| Credit loss provision to net charge-offs | -19.2308% | 5,274 |
| Earnings coverage of net charge-offs (x) | 5.3605% | 3,281 |
| Efficiency ratio | 83.5473% | 1,443 |
| Assets per employee ($millions) | 4.5834% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 3,068 |
| Loan loss allowance to noncurrent loans | 70.5026% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 1,858 |
| Noncurrent loans to loans | 2.0175% | 1,567 |
| Net loans and leases to total assets | 68.5907% | 2,454 |
| Net loans and leases to deposits | 85.2821% | 1,995 |
| Net loans and leases to core deposits | 95.7596% | 1,690 |
| Total domestic deposits to total assets | 80.4280% | 4,983 |
| Equity capital to assets | 9.8111% | 4,406 |
| Core capital (leverage) ratio | 9.0406% | 5,021 |
| Tier 1 risk-based capital ratio | 10.6421% | 6,158 |
| Total risk-based capital ratio | 11.8749% | 6,115 |
| Memoranda: | ||
| Average total assets | $205,991,000 | 2,947 |
| Average earning assets | $191,273,750 | 2,921 |
| Average equity | $20,561,750 | 3,109 |
| Average total loans | $138,032,000 | 2,759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 1,450 |
| Cost of funding earning assets | 0.9347% | 344 |
| Net interest margin | 3.6952% | 2,982 |
| Noninterest income to average assets | 0.7789% | 1,921 |
| Noninterest expense to average assets | 3.5149% | 1,449 |
| Loan and lease loss provision to assets | -0.0394% | 6,280 |
| Net operating income to assets | 0.4330% | 5,084 |
| Return on assets (ROA) | 0.4614% | 5,035 |
| Pretax return on assets | 0.7740% | 4,367 |
| Return on Equity (ROE) | 4.5948% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.5948% | 3,235 |
| Net charge-offs to loans | -0.1104% | 6,179 |
| Credit loss provision to net charge-offs | 54.0541% | 2,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5873% | 1,561 |
| Assets per employee ($millions) | 4.1087% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 1,956 |
| Loan loss allowance to noncurrent loans | 95.4905% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 2,224 |
| Noncurrent loans to loans | 1.8411% | 1,864 |
| Net loans and leases to total assets | 65.6623% | 2,810 |
| Net loans and leases to deposits | 82.3071% | 2,215 |
| Net loans and leases to core deposits | 90.2247% | 2,107 |
| Total domestic deposits to total assets | 79.7772% | 5,294 |
| Equity capital to assets | 10.1706% | 3,871 |
| Core capital (leverage) ratio | 9.4081% | 4,459 |
| Tier 1 risk-based capital ratio | 11.3712% | 5,868 |
| Total risk-based capital ratio | 12.6247% | 5,815 |
| Memoranda: | ||
| Average total assets | $202,848,000 | 3,000 |
| Average earning assets | $188,082,000 | 2,979 |
| Average equity | $20,370,670 | 3,131 |
| Average total loans | $134,079,330 | 2,808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 1,208 |
| Cost of funding earning assets | 0.9444% | 349 |
| Net interest margin | 3.7798% | 2,553 |
| Noninterest income to average assets | 0.6668% | 2,364 |
| Noninterest expense to average assets | 3.3698% | 1,783 |
| Loan and lease loss provision to assets | -0.0794% | 6,482 |
| Net operating income to assets | 0.5382% | 4,509 |
| Return on assets (ROA) | 0.5954% | 4,299 |
| Pretax return on assets | 0.9685% | 3,450 |
| Return on Equity (ROE) | 5.9675% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.9675% | 2,566 |
| Net charge-offs to loans | -0.1178% | 6,184 |
| Credit loss provision to net charge-offs | 102.5641% | 1,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8187% | 2,078 |
| Assets per employee ($millions) | 4.4446% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,121 |
| Loan loss allowance to noncurrent loans | 100.8478% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4200% | 2,498 |
| Noncurrent loans to loans | 1.7584% | 2,197 |
| Net loans and leases to total assets | 65.8869% | 2,585 |
| Net loans and leases to deposits | 82.8645% | 1,962 |
| Net loans and leases to core deposits | 90.5802% | 1,866 |
| Total domestic deposits to total assets | 79.5115% | 5,594 |
| Equity capital to assets | 10.2157% | 3,577 |
| Core capital (leverage) ratio | 9.2625% | 4,629 |
| Tier 1 risk-based capital ratio | 11.3012% | 6,016 |
| Total risk-based capital ratio | 12.5544% | 5,963 |
| Memoranda: | ||
| Average total assets | $201,554,000 | 3,030 |
| Average earning assets | $186,780,000 | 3,012 |
| Average equity | $20,109,000 | 3,167 |
| Average total loans | $132,465,000 | 2,841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,178 |
| Cost of funding earning assets | 1.0048% | 430 |
| Net interest margin | 3.8552% | 2,453 |
| Noninterest income to average assets | 1.7277% | 493 |
| Noninterest expense to average assets | 3.8919% | 1,005 |
| Loan and lease loss provision to assets | -0.1289% | 6,519 |
| Net operating income to assets | 0.9594% | 2,515 |
| Return on assets (ROA) | 0.9551% | 2,616 |
| Pretax return on assets | 1.5411% | 1,323 |
| Return on Equity (ROE) | 8.3626% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.3626% | 938 |
| Net charge-offs to loans | 0.0558% | 4,451 |
| Credit loss provision to net charge-offs | -337.8378% | 6,075 |
| Earnings coverage of net charge-offs (x) | 37.2027% | 1,007 |
| Efficiency ratio | 73.2822% | 3,246 |
| Assets per employee ($millions) | 4.6160% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,006 |
| Loan loss allowance to noncurrent loans | 114.1487% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 2,888 |
| Noncurrent loans to loans | 1.5944% | 2,511 |
| Net loans and leases to total assets | 63.2162% | 3,177 |
| Net loans and leases to deposits | 78.8695% | 2,603 |
| Net loans and leases to core deposits | 85.6445% | 2,491 |
| Total domestic deposits to total assets | 80.1529% | 5,410 |
| Equity capital to assets | 9.7419% | 4,115 |
| Core capital (leverage) ratio | 8.7226% | 5,393 |
| Tier 1 risk-based capital ratio | 10.9791% | 6,181 |
| Total risk-based capital ratio | 12.2327% | 6,127 |
| Memoranda: | ||
| Average total assets | $194,017,800 | 3,097 |
| Average earning assets | $180,325,800 | 3,063 |
| Average equity | $22,158,200 | 2,912 |
| Average total loans | $132,712,600 | 2,809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 1,205 |
| Cost of funding earning assets | 1.0144% | 458 |
| Net interest margin | 3.8514% | 2,459 |
| Noninterest income to average assets | 2.0242% | 413 |
| Noninterest expense to average assets | 4.0831% | 782 |
| Loan and lease loss provision to assets | -0.1738% | 6,700 |
| Net operating income to assets | 1.0528% | 2,174 |
| Return on assets (ROA) | 1.0479% | 2,274 |
| Pretax return on assets | 1.6897% | 1,120 |
| Return on Equity (ROE) | 8.8315% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.8315% | 1,106 |
| Net charge-offs to loans | -0.0060% | 5,806 |
| Credit loss provision to net charge-offs | 4,166.6667% | 76 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8265% | 3,256 |
| Assets per employee ($millions) | 4.3125% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,048 |
| Loan loss allowance to noncurrent loans | 109.8705% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 2,863 |
| Noncurrent loans to loans | 1.7141% | 2,626 |
| Net loans and leases to total assets | 64.6076% | 2,900 |
| Net loans and leases to deposits | 84.2637% | 1,845 |
| Net loans and leases to core deposits | 91.9148% | 1,772 |
| Total domestic deposits to total assets | 76.6731% | 6,093 |
| Equity capital to assets | 11.5599% | 2,258 |
| Core capital (leverage) ratio | 10.2721% | 3,282 |
| Tier 1 risk-based capital ratio | 12.4288% | 5,500 |
| Total risk-based capital ratio | 13.6832% | 5,431 |
| Memoranda: | ||
| Average total assets | $191,746,500 | 3,157 |
| Average earning assets | $178,357,000 | 3,119 |
| Average equity | $22,751,250 | 2,878 |
| Average total loans | $133,197,250 | 2,817 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,158 |
| Cost of funding earning assets | 1.0272% | 473 |
| Net interest margin | 3.8478% | 2,386 |
| Noninterest income to average assets | 2.0946% | 418 |
| Noninterest expense to average assets | 4.2641% | 649 |
| Loan and lease loss provision to assets | -0.2638% | 6,814 |
| Net operating income to assets | 1.0352% | 2,179 |
| Return on assets (ROA) | 1.0278% | 2,328 |
| Pretax return on assets | 1.6598% | 1,213 |
| Return on Equity (ROE) | 8.5849% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.5849% | 1,260 |
| Net charge-offs to loans | 0.0462% | 4,035 |
| Credit loss provision to net charge-offs | -806.4516% | 5,996 |
| Earnings coverage of net charge-offs (x) | 43.0323% | 883 |
| Efficiency ratio | 75.1814% | 2,920 |
| Assets per employee ($millions) | 4.1623% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 2,220 |
| Loan loss allowance to noncurrent loans | 74.9691% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 2,062 |
| Noncurrent loans to loans | 2.4839% | 1,874 |
| Net loans and leases to total assets | 66.6940% | 2,468 |
| Net loans and leases to deposits | 86.3921% | 1,537 |
| Net loans and leases to core deposits | 92.8213% | 1,628 |
| Total domestic deposits to total assets | 77.1992% | 6,101 |
| Equity capital to assets | 11.7958% | 2,056 |
| Core capital (leverage) ratio | 10.1194% | 3,334 |
| Tier 1 risk-based capital ratio | 12.6468% | 5,396 |
| Total risk-based capital ratio | 13.9017% | 5,333 |
| Memoranda: | ||
| Average total assets | $189,536,670 | 3,203 |
| Average earning assets | $176,203,670 | 3,169 |
| Average equity | $22,691,000 | 2,902 |
| Average total loans | $134,054,330 | 2,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 942 |
| Cost of funding earning assets | 1.0252% | 535 |
| Net interest margin | 3.9500% | 1,946 |
| Noninterest income to average assets | 2.5136% | 318 |
| Noninterest expense to average assets | 4.7409% | 443 |
| Loan and lease loss provision to assets | -0.5303% | 6,959 |
| Net operating income to assets | 1.2261% | 1,445 |
| Return on assets (ROA) | 1.2112% | 1,608 |
| Pretax return on assets | 1.9494% | 664 |
| Return on Equity (ROE) | 10.0422% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.0422% | 1,095 |
| Net charge-offs to loans | -0.0265% | 5,844 |
| Credit loss provision to net charge-offs | 2,777.7778% | 114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6724% | 2,816 |
| Assets per employee ($millions) | 4.4810% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,423 |
| Loan loss allowance to noncurrent loans | 110.9459% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 2,689 |
| Noncurrent loans to loans | 1.6757% | 3,033 |
| Net loans and leases to total assets | 70.7680% | 1,547 |
| Net loans and leases to deposits | 95.3462% | 575 |
| Net loans and leases to core deposits | 104.2263% | 710 |
| Total domestic deposits to total assets | 74.2222% | 6,520 |
| Equity capital to assets | 12.5180% | 1,701 |
| Core capital (leverage) ratio | 10.4745% | 2,814 |
| Tier 1 risk-based capital ratio | 12.8527% | 5,337 |
| Total risk-based capital ratio | 14.1076% | 5,276 |
| Memoranda: | ||
| Average total assets | $188,571,500 | 3,241 |
| Average earning assets | $175,190,000 | 3,210 |
| Average equity | $22,744,000 | 2,952 |
| Average total loans | $136,021,500 | 2,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 1,241 |
| Cost of funding earning assets | 1.2863% | 394 |
| Net interest margin | 3.8446% | 3,043 |
| Noninterest income to average assets | 2.2896% | 354 |
| Noninterest expense to average assets | 4.4432% | 606 |
| Loan and lease loss provision to assets | 0.1164% | 4,172 |
| Net operating income to assets | 0.7687% | 3,424 |
| Return on assets (ROA) | 0.8296% | 3,394 |
| Pretax return on assets | 1.3399% | 2,253 |
| Return on Equity (ROE) | 7.4141% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.4141% | 1,371 |
| Net charge-offs to loans | 0.4547% | 2,413 |
| Credit loss provision to net charge-offs | 38.7931% | 4,955 |
| Earnings coverage of net charge-offs (x) | 4.5345% | 3,338 |
| Efficiency ratio | 76.5493% | 2,654 |
| Assets per employee ($millions) | 4.8356% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9374% | 2,179 |
| Loan loss allowance to noncurrent loans | 119.8051% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7940% | 2,719 |
| Noncurrent loans to loans | 1.6172% | 3,202 |
| Net loans and leases to total assets | 70.7574% | 1,690 |
| Net loans and leases to deposits | 94.0755% | 744 |
| Net loans and leases to core deposits | 101.4507% | 922 |
| Total domestic deposits to total assets | 75.2134% | 6,428 |
| Equity capital to assets | 11.6274% | 2,328 |
| Core capital (leverage) ratio | 9.9552% | 3,457 |
| Tier 1 risk-based capital ratio | 12.5101% | 5,469 |
| Total risk-based capital ratio | 13.7673% | 5,418 |
| Memoranda: | ||
| Average total assets | $193,217,600 | 3,134 |
| Average earning assets | $176,635,200 | 3,136 |
| Average equity | $21,621,000 | 3,022 |
| Average total loans | $127,560,600 | 2,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 1,306 |
| Cost of funding earning assets | 1.3377% | 377 |
| Net interest margin | 3.8091% | 3,301 |
| Noninterest income to average assets | 2.3627% | 329 |
| Noninterest expense to average assets | 4.3464% | 632 |
| Loan and lease loss provision to assets | 0.1553% | 3,578 |
| Net operating income to assets | 0.8215% | 3,338 |
| Return on assets (ROA) | 0.8683% | 3,382 |
| Pretax return on assets | 1.4012% | 2,233 |
| Return on Equity (ROE) | 7.8364% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.8364% | 1,688 |
| Net charge-offs to loans | 0.8521% | 1,292 |
| Credit loss provision to net charge-offs | 28.2663% | 4,824 |
| Earnings coverage of net charge-offs (x) | 2.6997% | 3,954 |
| Efficiency ratio | 74.5560% | 2,896 |
| Assets per employee ($millions) | 4.8175% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 2,329 |
| Loan loss allowance to noncurrent loans | 85.0889% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.8049% | 1,876 |
| Noncurrent loans to loans | 2.2898% | 2,524 |
| Net loans and leases to total assets | 64.9754% | 2,848 |
| Net loans and leases to deposits | 86.6610% | 1,521 |
| Net loans and leases to core deposits | 94.6795% | 1,515 |
| Total domestic deposits to total assets | 74.9765% | 6,523 |
| Equity capital to assets | 11.5174% | 2,725 |
| Core capital (leverage) ratio | 9.4570% | 4,338 |
| Tier 1 risk-based capital ratio | 12.1152% | 5,876 |
| Total risk-based capital ratio | 13.3709% | 5,849 |
| Memoranda: | ||
| Average total assets | $193,166,250 | 3,173 |
| Average earning assets | $175,819,750 | 3,187 |
| Average equity | $21,403,750 | 3,078 |
| Average total loans | $124,559,500 | 3,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 1,206 |
| Cost of funding earning assets | 1.3877% | 365 |
| Net interest margin | 3.8301% | 3,219 |
| Noninterest income to average assets | 1.9222% | 424 |
| Noninterest expense to average assets | 4.0120% | 928 |
| Loan and lease loss provision to assets | 0.2328% | 2,741 |
| Net operating income to assets | 0.7099% | 3,818 |
| Return on assets (ROA) | 0.7800% | 3,736 |
| Pretax return on assets | 1.2621% | 2,684 |
| Return on Equity (ROE) | 7.1333% | 3,713 |
| Retained earnings to average equity (ytd only) | 7.1333% | 2,030 |
| Net charge-offs to loans | 1.2824% | 837 |
| Credit loss provision to net charge-offs | 28.4091% | 4,466 |
| Earnings coverage of net charge-offs (x) | 1.6907% | 4,142 |
| Efficiency ratio | 74.3339% | 3,024 |
| Assets per employee ($millions) | 4.4700% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9917% | 2,255 |
| Loan loss allowance to noncurrent loans | 69.2800% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 3.6907% | 1,412 |
| Noncurrent loans to loans | 2.8749% | 2,086 |
| Net loans and leases to total assets | 63.7978% | 3,083 |
| Net loans and leases to deposits | 84.7310% | 1,753 |
| Net loans and leases to core deposits | 93.8757% | 1,617 |
| Total domestic deposits to total assets | 75.2945% | 6,558 |
| Equity capital to assets | 11.2542% | 2,839 |
| Core capital (leverage) ratio | 9.0166% | 4,886 |
| Tier 1 risk-based capital ratio | 11.7121% | 6,100 |
| Total risk-based capital ratio | 12.9675% | 6,082 |
| Memoranda: | ||
| Average total assets | $193,322,000 | 3,172 |
| Average earning assets | $175,401,000 | 3,198 |
| Average equity | $21,140,330 | 3,097 |
| Average total loans | $123,514,330 | 3,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 1,378 |
| Cost of funding earning assets | 1.4102% | 413 |
| Net interest margin | 3.7613% | 3,558 |
| Noninterest income to average assets | 1.7888% | 482 |
| Noninterest expense to average assets | 3.6848% | 1,404 |
| Loan and lease loss provision to assets | 0.3095% | 2,037 |
| Net operating income to assets | 0.7641% | 3,547 |
| Return on assets (ROA) | 0.7654% | 3,778 |
| Pretax return on assets | 1.2358% | 2,781 |
| Return on Equity (ROE) | 7.1023% | 3,725 |
| Retained earnings to average equity (ytd only) | 7.1023% | 2,377 |
| Net charge-offs to loans | 0.1597% | 3,136 |
| Credit loss provision to net charge-offs | 306.1224% | 963 |
| Earnings coverage of net charge-offs (x) | 15.2653% | 1,428 |
| Efficiency ratio | 70.4815% | 3,723 |
| Assets per employee ($millions) | 4.7140% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5256% | 1,316 |
| Loan loss allowance to noncurrent loans | 65.7375% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 4.1542% | 1,316 |
| Noncurrent loans to loans | 3.8419% | 1,610 |
| Net loans and leases to total assets | 63.1010% | 3,021 |
| Net loans and leases to deposits | 83.7165% | 1,700 |
| Net loans and leases to core deposits | 91.8497% | 1,667 |
| Total domestic deposits to total assets | 75.3746% | 6,605 |
| Equity capital to assets | 10.8803% | 3,050 |
| Core capital (leverage) ratio | 8.6600% | 5,360 |
| Tier 1 risk-based capital ratio | 11.3585% | 6,356 |
| Total risk-based capital ratio | 12.6200% | 6,330 |
| Memoranda: | ||
| Average total assets | $193,877,000 | 3,181 |
| Average earning assets | $177,281,000 | 3,188 |
| Average equity | $20,894,500 | 3,117 |
| Average total loans | $122,712,000 | 3,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,088 |
| Cost of funding earning assets | 1.6570% | 386 |
| Net interest margin | 3.2979% | 5,808 |
| Noninterest income to average assets | 1.3177% | 745 |
| Noninterest expense to average assets | 3.5290% | 1,918 |
| Loan and lease loss provision to assets | 0.5559% | 1,878 |
| Net operating income to assets | 0.0813% | 5,902 |
| Return on assets (ROA) | 0.1008% | 5,980 |
| Pretax return on assets | 0.2182% | 5,741 |
| Return on Equity (ROE) | 0.9477% | 5,975 |
| Retained earnings to average equity (ytd only) | 0.9477% | 5,416 |
| Net charge-offs to loans | 3.2357% | 268 |
| Credit loss provision to net charge-offs | 26.4193% | 5,840 |
| Earnings coverage of net charge-offs (x) | 0.3534% | 5,557 |
| Efficiency ratio | 82.5950% | 1,938 |
| Assets per employee ($millions) | 4.6304% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 1,256 |
| Loan loss allowance to noncurrent loans | 60.2403% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 4.3249% | 1,286 |
| Noncurrent loans to loans | 4.2209% | 1,453 |
| Net loans and leases to total assets | 60.2875% | 3,937 |
| Net loans and leases to deposits | 80.0806% | 2,503 |
| Net loans and leases to core deposits | 88.1079% | 2,362 |
| Total domestic deposits to total assets | 75.2836% | 6,563 |
| Equity capital to assets | 10.6747% | 3,336 |
| Core capital (leverage) ratio | 8.5102% | 5,540 |
| Tier 1 risk-based capital ratio | 11.3392% | 6,260 |
| Total risk-based capital ratio | 12.6007% | 6,246 |
| Memoranda: | ||
| Average total assets | $193,369,800 | 3,138 |
| Average earning assets | $173,262,800 | 3,183 |
| Average equity | $20,577,200 | 3,056 |
| Average total loans | $125,753,600 | 3,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 3,351 |
| Cost of funding earning assets | 1.7259% | 354 |
| Net interest margin | 3.2201% | 6,113 |
| Noninterest income to average assets | 1.2022% | 912 |
| Noninterest expense to average assets | 3.4152% | 2,151 |
| Loan and lease loss provision to assets | 0.5006% | 1,980 |
| Net operating income to assets | 0.0952% | 5,971 |
| Return on assets (ROA) | 0.0974% | 6,084 |
| Pretax return on assets | 0.1602% | 5,976 |
| Return on Equity (ROE) | 0.9157% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.9157% | 5,640 |
| Net charge-offs to loans | 3.2620% | 264 |
| Credit loss provision to net charge-offs | 23.3119% | 5,516 |
| Earnings coverage of net charge-offs (x) | 0.3061% | 5,376 |
| Efficiency ratio | 83.8589% | 1,745 |
| Assets per employee ($millions) | 4.6593% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9955% | 865 |
| Loan loss allowance to noncurrent loans | 56.4395% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 5.7153% | 961 |
| Noncurrent loans to loans | 5.3075% | 1,143 |
| Net loans and leases to total assets | 62.1798% | 3,679 |
| Net loans and leases to deposits | 84.3389% | 1,945 |
| Net loans and leases to core deposits | 92.9815% | 1,888 |
| Total domestic deposits to total assets | 73.7261% | 6,793 |
| Equity capital to assets | 10.8533% | 3,284 |
| Core capital (leverage) ratio | 8.5016% | 5,712 |
| Tier 1 risk-based capital ratio | 11.1354% | 6,463 |
| Total risk-based capital ratio | 12.4029% | 6,443 |
| Memoranda: | ||
| Average total assets | $193,092,750 | 3,162 |
| Average earning assets | $172,122,500 | 3,216 |
| Average equity | $20,531,500 | 3,070 |
| Average total loans | $127,115,750 | 3,062 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 3,043 |
| Cost of funding earning assets | 1.8014% | 309 |
| Net interest margin | 3.2227% | 6,091 |
| Noninterest income to average assets | 1.1559% | 962 |
| Noninterest expense to average assets | 3.2336% | 2,794 |
| Loan and lease loss provision to assets | 0.4902% | 2,009 |
| Net operating income to assets | 0.1848% | 5,797 |
| Return on assets (ROA) | 0.1868% | 5,891 |
| Pretax return on assets | 0.3045% | 5,662 |
| Return on Equity (ROE) | 1.7689% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.7689% | 5,111 |
| Net charge-offs to loans | 4.8356% | 139 |
| Credit loss provision to net charge-offs | 15.2684% | 5,194 |
| Earnings coverage of net charge-offs (x) | 0.2465% | 5,125 |
| Efficiency ratio | 80.3333% | 2,333 |
| Assets per employee ($millions) | 4.9212% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9133% | 970 |
| Loan loss allowance to noncurrent loans | 46.8596% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 6.0806% | 922 |
| Noncurrent loans to loans | 6.2170% | 931 |
| Net loans and leases to total assets | 60.8936% | 4,109 |
| Net loans and leases to deposits | 82.0524% | 2,447 |
| Net loans and leases to core deposits | 91.3704% | 2,209 |
| Total domestic deposits to total assets | 74.2130% | 6,812 |
| Equity capital to assets | 11.0617% | 2,894 |
| Core capital (leverage) ratio | 8.4064% | 5,697 |
| Tier 1 risk-based capital ratio | 11.5802% | 6,106 |
| Total risk-based capital ratio | 12.8456% | 6,085 |
| Memoranda: | ||
| Average total assets | $193,780,330 | 3,173 |
| Average earning assets | $172,528,000 | 3,234 |
| Average equity | $20,464,330 | 3,066 |
| Average total loans | $128,671,000 | 3,063 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 3,449 |
| Cost of funding earning assets | 1.8117% | 361 |
| Net interest margin | 3.1138% | 6,311 |
| Noninterest income to average assets | 1.0874% | 1,109 |
| Noninterest expense to average assets | 3.3007% | 2,559 |
| Loan and lease loss provision to assets | 0.4057% | 2,162 |
| Net operating income to assets | 0.1014% | 6,093 |
| Return on assets (ROA) | 0.1014% | 6,146 |
| Pretax return on assets | 0.1704% | 6,004 |
| Return on Equity (ROE) | 0.9826% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.9826% | 5,435 |
| Net charge-offs to loans | 0.5805% | 2,038 |
| Credit loss provision to net charge-offs | 102.5641% | 2,587 |
| Earnings coverage of net charge-offs (x) | 1.4564% | 3,615 |
| Efficiency ratio | 85.1387% | 1,821 |
| Assets per employee ($millions) | 4.7895% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6688% | 247 |
| Loan loss allowance to noncurrent loans | 59.8085% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 7.4793% | 676 |
| Noncurrent loans to loans | 7.8063% | 656 |
| Net loans and leases to total assets | 62.9921% | 3,663 |
| Net loans and leases to deposits | 83.2399% | 2,149 |
| Net loans and leases to core deposits | 93.1306% | 1,994 |
| Total domestic deposits to total assets | 75.6754% | 6,721 |
| Equity capital to assets | 10.3479% | 3,352 |
| Core capital (leverage) ratio | 7.9033% | 6,360 |
| Tier 1 risk-based capital ratio | 10.5693% | 6,768 |
| Total risk-based capital ratio | 11.8562% | 6,726 |
| Memoranda: | ||
| Average total assets | $197,168,000 | 3,149 |
| Average earning assets | $176,633,000 | 3,202 |
| Average equity | $20,353,500 | 3,064 |
| Average total loans | $134,361,000 | 2,997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 4,180 |
| Cost of funding earning assets | 2.1476% | 363 |
| Net interest margin | 2.9343% | 6,845 |
| Noninterest income to average assets | 0.9440% | 1,685 |
| Noninterest expense to average assets | 3.5268% | 2,105 |
| Loan and lease loss provision to assets | 1.6521% | 863 |
| Net operating income to assets | -1.0043% | 6,683 |
| Return on assets (ROA) | -0.9668% | 6,701 |
| Pretax return on assets | -1.5713% | 6,880 |
| Return on Equity (ROE) | -8.6833% | 6,660 |
| Retained earnings to average equity (ytd only) | -8.8431% | 6,585 |
| Net charge-offs to loans | 5.7066% | 112 |
| Credit loss provision to net charge-offs | 41.2751% | 6,366 |
| Earnings coverage of net charge-offs (x) | 0.0056% | 6,123 |
| Efficiency ratio | 99.3698% | 803 |
| Assets per employee ($millions) | 5.0761% | 2,050 |
| Cash dividends to net income (ytd only)* | -1.8402% | 7,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3557% | 294 |
| Loan loss allowance to noncurrent loans | 52.5297% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 7.4714% | 698 |
| Noncurrent loans to loans | 8.2919% | 607 |
| Net loans and leases to total assets | 67.1395% | 3,184 |
| Net loans and leases to deposits | 89.6565% | 1,575 |
| Net loans and leases to core deposits | 101.4131% | 1,501 |
| Total domestic deposits to total assets | 74.8852% | 6,785 |
| Equity capital to assets | 10.2982% | 3,390 |
| Core capital (leverage) ratio | 7.7557% | 6,490 |
| Tier 1 risk-based capital ratio | 10.2431% | 6,851 |
| Total risk-based capital ratio | 11.5293% | 6,811 |
| Memoranda: | ||
| Average total assets | $196,722,200 | 3,138 |
| Average earning assets | $174,659,200 | 3,193 |
| Average equity | $21,904,000 | 2,891 |
| Average total loans | $137,980,600 | 2,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 3,704 |
| Cost of funding earning assets | 2.2226% | 359 |
| Net interest margin | 3.0025% | 6,827 |
| Noninterest income to average assets | 0.7874% | 2,299 |
| Noninterest expense to average assets | 3.0615% | 3,529 |
| Loan and lease loss provision to assets | 0.4582% | 3,180 |
| Net operating income to assets | -0.0364% | 6,071 |
| Return on assets (ROA) | 0.0136% | 6,099 |
| Pretax return on assets | -0.0068% | 6,098 |
| Return on Equity (ROE) | 0.1197% | 6,094 |
| Retained earnings to average equity (ytd only) | -0.0898% | 5,808 |
| Net charge-offs to loans | 5.3387% | 147 |
| Credit loss provision to net charge-offs | 12.2393% | 6,318 |
| Earnings coverage of net charge-offs (x) | 0.0997% | 5,923 |
| Efficiency ratio | 89.1304% | 1,355 |
| Assets per employee ($millions) | 5.2098% | 1,925 |
| Cash dividends to net income (ytd only)* | 174.9906% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3873% | 268 |
| Loan loss allowance to noncurrent loans | 44.5845% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 8.9924% | 505 |
| Noncurrent loans to loans | 9.8404% | 441 |
| Net loans and leases to total assets | 65.9914% | 3,693 |
| Net loans and leases to deposits | 90.4821% | 1,653 |
| Net loans and leases to core deposits | 100.6424% | 1,786 |
| Total domestic deposits to total assets | 72.9331% | 7,036 |
| Equity capital to assets | 11.6729% | 2,379 |
| Core capital (leverage) ratio | 11.0923% | 2,196 |
| Tier 1 risk-based capital ratio | 13.9521% | 3,879 |
| Total risk-based capital ratio | 15.2331% | 3,820 |
| Memoranda: | ||
| Average total assets | $196,411,000 | 3,184 |
| Average earning assets | $173,183,000 | 3,264 |
| Average equity | $22,283,250 | 2,892 |
| Average total loans | $137,734,000 | 3,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 3,591 |
| Cost of funding earning assets | 2.2492% | 398 |
| Net interest margin | 3.0236% | 6,782 |
| Noninterest income to average assets | 0.5991% | 3,339 |
| Noninterest expense to average assets | 2.8620% | 4,217 |
| Loan and lease loss provision to assets | 0.5566% | 2,544 |
| Net operating income to assets | -0.0634% | 6,173 |
| Return on assets (ROA) | 0.0091% | 6,173 |
| Pretax return on assets | -0.0233% | 6,174 |
| Return on Equity (ROE) | 0.0810% | 6,174 |
| Retained earnings to average equity (ytd only) | -0.2341% | 5,778 |
| Net charge-offs to loans | 6.8745% | 89 |
| Credit loss provision to net charge-offs | 11.4871% | 5,928 |
| Earnings coverage of net charge-offs (x) | 0.0867% | 5,640 |
| Efficiency ratio | 87.2032% | 1,586 |
| Assets per employee ($millions) | 5.4719% | 1,648 |
| Cash dividends to net income (ytd only)* | 388.8889% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7967% | 204 |
| Loan loss allowance to noncurrent loans | 58.4142% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 7.8325% | 637 |
| Noncurrent loans to loans | 8.2115% | 624 |
| Net loans and leases to total assets | 64.8770% | 4,067 |
| Net loans and leases to deposits | 90.2243% | 1,817 |
| Net loans and leases to core deposits | 102.9226% | 1,742 |
| Total domestic deposits to total assets | 71.9064% | 7,188 |
| Equity capital to assets | 11.3707% | 2,542 |
| Core capital (leverage) ratio | 11.1422% | 2,140 |
| Tier 1 risk-based capital ratio | 13.1548% | 4,320 |
| Total risk-based capital ratio | 14.4376% | 4,252 |
| Memoranda: | ||
| Average total assets | $197,627,000 | 3,197 |
| Average earning assets | $175,351,670 | 3,251 |
| Average equity | $22,210,670 | 2,896 |
| Average total loans | $139,297,330 | 3,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 3,537 |
| Cost of funding earning assets | 2.2543% | 493 |
| Net interest margin | 3.0484% | 6,713 |
| Noninterest income to average assets | 0.4830% | 4,181 |
| Noninterest expense to average assets | 2.8230% | 4,394 |
| Loan and lease loss provision to assets | 0.7578% | 1,675 |
| Net operating income to assets | -0.1872% | 6,532 |
| Return on assets (ROA) | -0.1859% | 6,601 |
| Pretax return on assets | -0.3496% | 6,684 |
| Return on Equity (ROE) | -1.6639% | 6,597 |
| Retained earnings to average equity (ytd only) | -2.9480% | 6,357 |
| Net charge-offs to loans | 12.4829% | 30 |
| Credit loss provision to net charge-offs | 8.4727% | 5,061 |
| Earnings coverage of net charge-offs (x) | 0.0454% | 4,997 |
| Efficiency ratio | 87.4218% | 1,646 |
| Assets per employee ($millions) | 5.4718% | 1,694 |
| Cash dividends to net income (ytd only)* | -77.1739% | 7,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7754% | 206 |
| Loan loss allowance to noncurrent loans | 42.8756% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 9.6094% | 424 |
| Noncurrent loans to loans | 11.1378% | 346 |
| Net loans and leases to total assets | 67.0747% | 3,611 |
| Net loans and leases to deposits | 92.7904% | 1,502 |
| Net loans and leases to core deposits | 107.9019% | 1,424 |
| Total domestic deposits to total assets | 72.2862% | 7,236 |
| Equity capital to assets | 11.2597% | 2,532 |
| Core capital (leverage) ratio | 10.8770% | 2,314 |
| Tier 1 risk-based capital ratio | 12.5366% | 4,709 |
| Total risk-based capital ratio | 13.8184% | 4,646 |
| Memoranda: | ||
| Average total assets | $197,946,500 | 3,244 |
| Average earning assets | $178,324,500 | 3,276 |
| Average equity | $22,116,500 | 2,931 |
| Average total loans | $141,826,500 | 3,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 5,747 |
| Cost of funding earning assets | 2.6277% | 717 |
| Net interest margin | 2.5517% | 7,369 |
| Noninterest income to average assets | 0.4012% | 5,190 |
| Noninterest expense to average assets | 2.4844% | 6,190 |
| Loan and lease loss provision to assets | 5.3561% | 163 |
| Net operating income to assets | -3.1685% | 7,440 |
| Return on assets (ROA) | -3.2026% | 7,446 |
| Pretax return on assets | -5.1461% | 7,723 |
| Return on Equity (ROE) | -26.8869% | 7,339 |
| Retained earnings to average equity (ytd only) | -27.8192% | 7,339 |
| Net charge-offs to loans | 2.5100% | 921 |
| Credit loss provision to net charge-offs | 295.9601% | 1,126 |
| Earnings coverage of net charge-offs (x) | 0.1455% | 6,016 |
| Efficiency ratio | 90.4176% | 1,674 |
| Assets per employee ($millions) | 5.8502% | 1,360 |
| Cash dividends to net income (ytd only)* | -3.4677% | 7,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3685% | 54 |
| Loan loss allowance to noncurrent loans | 57.7760% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 10.6698% | 325 |
| Noncurrent loans to loans | 12.7536% | 251 |
| Net loans and leases to total assets | 67.4799% | 3,819 |
| Net loans and leases to deposits | 93.8524% | 1,608 |
| Net loans and leases to core deposits | 129.9062% | 1,296 |
| Total domestic deposits to total assets | 71.9001% | 7,254 |
| Equity capital to assets | 11.0870% | 2,638 |
| Core capital (leverage) ratio | 10.3552% | 2,728 |
| Tier 1 risk-based capital ratio | 12.5770% | 4,465 |
| Total risk-based capital ratio | 13.8878% | 4,349 |
| Memoranda: | ||
| Average total assets | $216,107,000 | 3,002 |
| Average earning assets | $198,728,400 | 2,986 |
| Average equity | $25,741,200 | 2,546 |
| Average total loans | $155,818,600 | 2,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 6,115 |
| Cost of funding earning assets | 2.6825% | 827 |
| Net interest margin | 2.4663% | 7,493 |
| Noninterest income to average assets | 0.4023% | 5,266 |
| Noninterest expense to average assets | 2.4288% | 6,317 |
| Loan and lease loss provision to assets | 1.9509% | 936 |
| Net operating income to assets | -1.0767% | 6,881 |
| Return on assets (ROA) | -1.1336% | 6,921 |
| Pretax return on assets | -1.7894% | 7,084 |
| Return on Equity (ROE) | -9.3710% | 6,851 |
| Retained earnings to average equity (ytd only) | -10.2111% | 6,824 |
| Net charge-offs to loans | 1.4262% | 1,451 |
| Credit loss provision to net charge-offs | 190.1533% | 2,390 |
| Earnings coverage of net charge-offs (x) | 0.2441% | 5,771 |
| Efficiency ratio | 90.6525% | 1,630 |
| Assets per employee ($millions) | 6.4704% | 995 |
| Cash dividends to net income (ytd only)* | -8.9646% | 7,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9944% | 672 |
| Loan loss allowance to noncurrent loans | 30.9928% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 8.3625% | 491 |
| Noncurrent loans to loans | 9.6617% | 421 |
| Net loans and leases to total assets | 66.8829% | 4,219 |
| Net loans and leases to deposits | 92.6422% | 2,128 |
| Net loans and leases to core deposits | 135.6020% | 1,120 |
| Total domestic deposits to total assets | 72.1948% | 7,184 |
| Equity capital to assets | 12.4912% | 1,962 |
| Core capital (leverage) ratio | 11.9965% | 1,801 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,276 |
| Total risk-based capital ratio | 15.7756% | 3,212 |
| Memoranda: | ||
| Average total assets | $220,406,750 | 2,953 |
| Average earning assets | $203,483,000 | 2,939 |
| Average equity | $26,663,250 | 2,493 |
| Average total loans | $158,548,250 | 2,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 6,646 |
| Cost of funding earning assets | 2.7780% | 835 |
| Net interest margin | 2.2635% | 7,702 |
| Noninterest income to average assets | 0.2956% | 6,142 |
| Noninterest expense to average assets | 2.3950% | 6,477 |
| Loan and lease loss provision to assets | 2.9246% | 521 |
| Net operating income to assets | -1.8608% | 7,389 |
| Return on assets (ROA) | -1.9461% | 7,410 |
| Pretax return on assets | -3.0706% | 7,587 |
| Return on Equity (ROE) | -16.2631% | 7,390 |
| Retained earnings to average equity (ytd only) | -17.0134% | 7,344 |
| Net charge-offs to loans | 2.1090% | 876 |
| Credit loss provision to net charge-offs | 190.1533% | 2,406 |
| Earnings coverage of net charge-offs (x) | -0.0083% | 5,696 |
| Efficiency ratio | 100.5329% | 1,151 |
| Assets per employee ($millions) | 6.4677% | 978 |
| Cash dividends to net income (ytd only)* | -4.6132% | 7,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9121% | 608 |
| Loan loss allowance to noncurrent loans | 35.1684% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 7.3248% | 555 |
| Noncurrent loans to loans | 8.2803% | 515 |
| Net loans and leases to total assets | 66.8955% | 4,378 |
| Net loans and leases to deposits | 91.3241% | 2,595 |
| Net loans and leases to core deposits | 137.1301% | 1,149 |
| Total domestic deposits to total assets | 73.2506% | 7,074 |
| Equity capital to assets | 11.7671% | 2,346 |
| Core capital (leverage) ratio | 11.8111% | 1,914 |
| Tier 1 risk-based capital ratio | 14.0723% | 3,475 |
| Total risk-based capital ratio | 15.3324% | 3,407 |
| Memoranda: | ||
| Average total assets | $220,544,000 | 2,967 |
| Average earning assets | $203,312,670 | 2,957 |
| Average equity | $26,391,000 | 2,527 |
| Average total loans | $160,837,330 | 2,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 6,551 |
| Cost of funding earning assets | 2.8781% | 810 |
| Net interest margin | 2.2567% | 7,753 |
| Noninterest income to average assets | 0.1287% | 7,370 |
| Noninterest expense to average assets | 2.0457% | 7,237 |
| Loan and lease loss provision to assets | 0.1378% | 5,202 |
| Net operating income to assets | 0.0453% | 6,142 |
| Return on assets (ROA) | 0.0478% | 6,285 |
| Pretax return on assets | 0.0717% | 6,229 |
| Return on Equity (ROE) | 0.3959% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.3959% | 5,496 |
| Net charge-offs to loans | 0.0857% | 4,309 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,248 |
| Efficiency ratio | 90.8571% | 1,658 |
| Assets per employee ($millions) | 6.9591% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 1,681 |
| Loan loss allowance to noncurrent loans | 42.3792% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 4.9086% | 933 |
| Noncurrent loans to loans | 4.4228% | 1,311 |
| Net loans and leases to total assets | 71.7733% | 3,292 |
| Net loans and leases to deposits | 99.7703% | 1,444 |
| Net loans and leases to core deposits | 137.8254% | 1,212 |
| Total domestic deposits to total assets | 71.9386% | 7,212 |
| Equity capital to assets | 12.9341% | 1,780 |
| Core capital (leverage) ratio | 13.1788% | 1,424 |
| Tier 1 risk-based capital ratio | 16.3207% | 2,574 |
| Total risk-based capital ratio | 17.5764% | 2,521 |
| Memoranda: | ||
| Average total assets | $217,632,000 | 3,019 |
| Average earning assets | $204,720,500 | 2,953 |
| Average equity | $26,268,000 | 2,546 |
| Average total loans | $163,270,000 | 2,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0946% | 5,072 |
| Cost of funding earning assets | 3.6620% | 303 |
| Net interest margin | 2.4325% | 7,821 |
| Noninterest income to average assets | -0.1792% | 8,222 |
| Noninterest expense to average assets | 2.0891% | 7,260 |
| Loan and lease loss provision to assets | 1.1563% | 1,259 |
| Net operating income to assets | -0.6723% | 7,049 |
| Return on assets (ROA) | -0.6649% | 6,940 |
| Pretax return on assets | -1.1178% | 7,069 |
| Return on Equity (ROE) | -5.6757% | 6,934 |
| Retained earnings to average equity (ytd only) | -5.6757% | 6,618 |
| Net charge-offs to loans | 0.6843% | 1,795 |
| Credit loss provision to net charge-offs | 224.7191% | 2,116 |
| Earnings coverage of net charge-offs (x) | 0.0524% | 6,217 |
| Efficiency ratio | 98.7250% | 1,033 |
| Assets per employee ($millions) | 6.6429% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,548 |
| Loan loss allowance to noncurrent loans | 39.3548% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 4.6986% | 773 |
| Noncurrent loans to loans | 4.6781% | 998 |
| Net loans and leases to total assets | 75.5699% | 2,741 |
| Net loans and leases to deposits | 98.5316% | 2,046 |
| Net loans and leases to core deposits | 140.0797% | 1,264 |
| Total domestic deposits to total assets | 76.6961% | 6,070 |
| Equity capital to assets | 11.1646% | 2,905 |
| Core capital (leverage) ratio | 11.0118% | 2,584 |
| Tier 1 risk-based capital ratio | 13.4583% | 3,846 |
| Total risk-based capital ratio | 14.7146% | 3,740 |
| Memoranda: | ||
| Average total assets | $207,556,800 | 3,036 |
| Average earning assets | $195,847,000 | 2,946 |
| Average equity | $24,314,000 | 2,707 |
| Average total loans | $156,066,000 | 2,834 |