Home > Millennium Bank > Performance and Condition Ratios
Millennium Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 2,290 |
| Cost of funding earning assets | 0.8146% | 3,078 |
| Net interest margin | 4.0392% | 2,343 |
| Noninterest income to average assets | 0.3658% | 4,899 |
| Noninterest expense to average assets | 3.7370% | 1,318 |
| Loan and lease loss provision to assets | 0.9804% | 454 |
| Net operating income to assets | -0.6695% | 6,807 |
| Return on assets (ROA) | -0.4545% | 6,757 |
| Pretax return on assets | -0.4545% | 6,729 |
| Return on Equity (ROE) | -6.4477% | 6,813 |
| Retained earnings to average equity (ytd only) | -6.4477% | 6,691 |
| Net charge-offs to loans | 1.8164% | 486 |
| Credit loss provision to net charge-offs | 80.6848% | 3,301 |
| Earnings coverage of net charge-offs (x) | 0.2558% | 4,950 |
| Efficiency ratio | 92.3211% | 911 |
| Assets per employee ($millions) | 4.6486% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6076% | 1,141 |
| Loan loss allowance to noncurrent loans | 63.2647% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 4.9163% | 977 |
| Noncurrent loans to loans | 4.1217% | 1,329 |
| Net loans and leases to total assets | 66.3165% | 2,608 |
| Net loans and leases to deposits | 73.6957% | 3,342 |
| Net loans and leases to core deposits | 100.1245% | 1,094 |
| Total domestic deposits to total assets | 89.9869% | 930 |
| Equity capital to assets | 7.1050% | 6,889 |
| Core capital (leverage) ratio | 6.6515% | 6,893 |
| Tier 1 risk-based capital ratio | 9.1721% | 6,964 |
| Total risk-based capital ratio | 10.4369% | 6,961 |
| Memoranda: | ||
| Average total assets | $254,806,330 | 2,500 |
| Average earning assets | $232,271,000 | 2,501 |
| Average equity | $17,960,000 | 3,506 |
| Average total loans | $170,451,670 | 2,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 2,250 |
| Cost of funding earning assets | 0.8443% | 3,110 |
| Net interest margin | 4.0534% | 2,282 |
| Noninterest income to average assets | 0.4332% | 4,430 |
| Noninterest expense to average assets | 3.8037% | 1,210 |
| Loan and lease loss provision to assets | 0.8305% | 575 |
| Net operating income to assets | -0.5127% | 6,833 |
| Return on assets (ROA) | -0.5127% | 6,863 |
| Pretax return on assets | -0.5127% | 6,836 |
| Return on Equity (ROE) | -7.3020% | 6,931 |
| Retained earnings to average equity (ytd only) | -7.3020% | 6,730 |
| Net charge-offs to loans | 2.0891% | 436 |
| Credit loss provision to net charge-offs | 59.9550% | 3,117 |
| Earnings coverage of net charge-offs (x) | 0.2295% | 4,251 |
| Efficiency ratio | 92.2873% | 930 |
| Assets per employee ($millions) | 4.7529% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6087% | 1,212 |
| Loan loss allowance to noncurrent loans | 54.4083% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 5.5101% | 890 |
| Noncurrent loans to loans | 4.7946% | 1,183 |
| Net loans and leases to total assets | 64.0027% | 2,849 |
| Net loans and leases to deposits | 71.6820% | 3,478 |
| Net loans and leases to core deposits | 97.5168% | 1,164 |
| Total domestic deposits to total assets | 89.2869% | 1,490 |
| Equity capital to assets | 6.9084% | 6,948 |
| Core capital (leverage) ratio | 6.6778% | 6,935 |
| Tier 1 risk-based capital ratio | 8.9899% | 7,031 |
| Total risk-based capital ratio | 10.2533% | 7,033 |
| Memoranda: | ||
| Average total assets | $256,698,500 | 2,501 |
| Average earning assets | $233,579,000 | 2,503 |
| Average equity | $18,022,500 | 3,502 |
| Average total loans | $170,214,500 | 2,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 1,711 |
| Cost of funding earning assets | 1.1040% | 2,645 |
| Net interest margin | 4.1925% | 2,089 |
| Noninterest income to average assets | 0.1091% | 6,601 |
| Noninterest expense to average assets | 3.7113% | 1,518 |
| Loan and lease loss provision to assets | 1.2311% | 701 |
| Net operating income to assets | -1.0114% | 6,744 |
| Return on assets (ROA) | -0.6654% | 6,625 |
| Pretax return on assets | -0.6654% | 6,581 |
| Return on Equity (ROE) | -9.2316% | 6,722 |
| Retained earnings to average equity (ytd only) | -9.2316% | 6,678 |
| Net charge-offs to loans | 2.7122% | 398 |
| Credit loss provision to net charge-offs | 65.9470% | 4,996 |
| Earnings coverage of net charge-offs (x) | 0.1177% | 5,747 |
| Efficiency ratio | 94.4095% | 897 |
| Assets per employee ($millions) | 4.8441% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 1,010 |
| Loan loss allowance to noncurrent loans | 46.9265% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 6.1420% | 790 |
| Noncurrent loans to loans | 5.9006% | 856 |
| Net loans and leases to total assets | 65.0486% | 2,977 |
| Net loans and leases to deposits | 73.0479% | 3,657 |
| Net loans and leases to core deposits | 100.5321% | 1,131 |
| Total domestic deposits to total assets | 89.0492% | 1,509 |
| Equity capital to assets | 7.1333% | 6,928 |
| Core capital (leverage) ratio | 6.7717% | 6,925 |
| Tier 1 risk-based capital ratio | 9.2663% | 6,994 |
| Total risk-based capital ratio | 10.5322% | 6,989 |
| Memoranda: | ||
| Average total assets | $263,010,400 | 2,399 |
| Average earning assets | $239,763,000 | 2,408 |
| Average equity | $18,956,600 | 3,287 |
| Average total loans | $181,036,600 | 2,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 1,571 |
| Cost of funding earning assets | 1.1478% | 2,645 |
| Net interest margin | 4.2324% | 1,978 |
| Noninterest income to average assets | 0.1547% | 6,486 |
| Noninterest expense to average assets | 3.6918% | 1,514 |
| Loan and lease loss provision to assets | 1.2654% | 599 |
| Net operating income to assets | -0.9393% | 6,859 |
| Return on assets (ROA) | -0.5846% | 6,730 |
| Pretax return on assets | -0.5846% | 6,670 |
| Return on Equity (ROE) | -8.0902% | 6,814 |
| Retained earnings to average equity (ytd only) | -8.0902% | 6,767 |
| Net charge-offs to loans | 2.5894% | 415 |
| Credit loss provision to net charge-offs | 70.5139% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 5,460 |
| Efficiency ratio | 91.8851% | 1,039 |
| Assets per employee ($millions) | 4.6527% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0884% | 811 |
| Loan loss allowance to noncurrent loans | 49.6217% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 6.4244% | 810 |
| Noncurrent loans to loans | 6.2238% | 876 |
| Net loans and leases to total assets | 65.9472% | 2,913 |
| Net loans and leases to deposits | 74.1250% | 3,640 |
| Net loans and leases to core deposits | 104.1394% | 972 |
| Total domestic deposits to total assets | 88.9676% | 1,447 |
| Equity capital to assets | 7.5412% | 6,921 |
| Core capital (leverage) ratio | 6.8176% | 7,002 |
| Tier 1 risk-based capital ratio | 9.3987% | 7,064 |
| Total risk-based capital ratio | 10.6687% | 7,061 |
| Memoranda: | ||
| Average total assets | $264,578,250 | 2,395 |
| Average earning assets | $241,497,250 | 2,395 |
| Average equity | $19,117,250 | 3,266 |
| Average total loans | $183,355,500 | 2,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 1,611 |
| Cost of funding earning assets | 1.1853% | 2,678 |
| Net interest margin | 4.1998% | 2,034 |
| Noninterest income to average assets | 0.1937% | 6,283 |
| Noninterest expense to average assets | 3.6639% | 1,595 |
| Loan and lease loss provision to assets | 1.4746% | 484 |
| Net operating income to assets | -1.1059% | 6,978 |
| Return on assets (ROA) | -0.7231% | 6,843 |
| Pretax return on assets | -0.7231% | 6,785 |
| Return on Equity (ROE) | -10.1485% | 6,943 |
| Retained earnings to average equity (ytd only) | -10.1485% | 6,883 |
| Net charge-offs to loans | 3.6046% | 245 |
| Credit loss provision to net charge-offs | 58.6905% | 4,373 |
| Earnings coverage of net charge-offs (x) | 0.1467% | 5,191 |
| Efficiency ratio | 90.8585% | 1,183 |
| Assets per employee ($millions) | 4.7039% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7408% | 1,138 |
| Loan loss allowance to noncurrent loans | 46.9055% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 6.2950% | 867 |
| Noncurrent loans to loans | 5.8433% | 1,042 |
| Net loans and leases to total assets | 69.1286% | 2,390 |
| Net loans and leases to deposits | 77.7101% | 3,174 |
| Net loans and leases to core deposits | 111.6197% | 664 |
| Total domestic deposits to total assets | 88.9570% | 1,559 |
| Equity capital to assets | 7.2327% | 7,048 |
| Core capital (leverage) ratio | 6.7135% | 7,077 |
| Tier 1 risk-based capital ratio | 9.2003% | 7,153 |
| Total risk-based capital ratio | 10.4665% | 7,150 |
| Memoranda: | ||
| Average total assets | $267,471,000 | 2,389 |
| Average earning assets | $244,487,670 | 2,373 |
| Average equity | $19,057,000 | 3,262 |
| Average total loans | $186,428,330 | 2,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 1,855 |
| Cost of funding earning assets | 1.2369% | 2,584 |
| Net interest margin | 4.0662% | 2,403 |
| Noninterest income to average assets | 0.2781% | 5,678 |
| Noninterest expense to average assets | 3.4990% | 2,002 |
| Loan and lease loss provision to assets | 1.1109% | 656 |
| Net operating income to assets | -0.6121% | 6,872 |
| Return on assets (ROA) | -0.6121% | 6,878 |
| Pretax return on assets | -0.6121% | 6,824 |
| Return on Equity (ROE) | -8.6534% | 6,983 |
| Retained earnings to average equity (ytd only) | -8.6534% | 6,797 |
| Net charge-offs to loans | 2.9451% | 368 |
| Credit loss provision to net charge-offs | 54.6310% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.2453% | 4,429 |
| Efficiency ratio | 87.5230% | 1,565 |
| Assets per employee ($millions) | 5.0079% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1447% | 811 |
| Loan loss allowance to noncurrent loans | 44.7297% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 6.9087% | 783 |
| Noncurrent loans to loans | 7.0304% | 781 |
| Net loans and leases to total assets | 66.0695% | 2,987 |
| Net loans and leases to deposits | 75.2804% | 3,542 |
| Net loans and leases to core deposits | 107.2398% | 880 |
| Total domestic deposits to total assets | 87.7645% | 2,512 |
| Equity capital to assets | 7.0589% | 7,069 |
| Core capital (leverage) ratio | 6.7495% | 7,098 |
| Tier 1 risk-based capital ratio | 9.1690% | 7,205 |
| Total risk-based capital ratio | 10.4389% | 7,204 |
| Memoranda: | ||
| Average total assets | $271,849,000 | 2,371 |
| Average earning assets | $248,682,000 | 2,356 |
| Average equity | $19,229,500 | 3,227 |
| Average total loans | $187,699,500 | 2,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 3,894 |
| Cost of funding earning assets | 1.4586% | 2,899 |
| Net interest margin | 3.6848% | 4,419 |
| Noninterest income to average assets | 0.0593% | 7,068 |
| Noninterest expense to average assets | 3.3879% | 2,468 |
| Loan and lease loss provision to assets | 2.7547% | 374 |
| Net operating income to assets | -2.8360% | 7,255 |
| Return on assets (ROA) | -2.6610% | 7,236 |
| Pretax return on assets | -2.5093% | 7,167 |
| Return on Equity (ROE) | -33.6718% | 7,275 |
| Retained earnings to average equity (ytd only) | -33.6718% | 7,265 |
| Net charge-offs to loans | 3.7682% | 356 |
| Credit loss provision to net charge-offs | 105.4731% | 4,252 |
| Earnings coverage of net charge-offs (x) | 0.0270% | 6,098 |
| Efficiency ratio | 97.9626% | 872 |
| Assets per employee ($millions) | 4.7942% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3667% | 647 |
| Loan loss allowance to noncurrent loans | 47.0537% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 7.1145% | 759 |
| Noncurrent loans to loans | 7.1550% | 779 |
| Net loans and leases to total assets | 67.5155% | 3,099 |
| Net loans and leases to deposits | 77.0935% | 3,663 |
| Net loans and leases to core deposits | 113.0486% | 776 |
| Total domestic deposits to total assets | 87.5761% | 2,503 |
| Equity capital to assets | 7.0882% | 7,082 |
| Core capital (leverage) ratio | 6.7824% | 7,116 |
| Tier 1 risk-based capital ratio | 9.1999% | 7,202 |
| Total risk-based capital ratio | 10.4730% | 7,203 |
| Memoranda: | ||
| Average total assets | $296,618,400 | 2,170 |
| Average earning assets | $273,613,600 | 2,159 |
| Average equity | $23,441,000 | 2,709 |
| Average total loans | $205,591,000 | 2,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 4,312 |
| Cost of funding earning assets | 1.5030% | 2,959 |
| Net interest margin | 3.5975% | 4,892 |
| Noninterest income to average assets | 0.0110% | 7,410 |
| Noninterest expense to average assets | 3.2868% | 2,613 |
| Loan and lease loss provision to assets | 3.3816% | 225 |
| Net operating income to assets | -3.3326% | 7,493 |
| Return on assets (ROA) | -3.1039% | 7,482 |
| Pretax return on assets | -3.1039% | 7,445 |
| Return on Equity (ROE) | -38.3821% | 7,475 |
| Retained earnings to average equity (ytd only) | -38.3821% | 7,473 |
| Net charge-offs to loans | 4.6857% | 199 |
| Credit loss provision to net charge-offs | 104.3106% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.0151% | 6,015 |
| Efficiency ratio | 98.5331% | 805 |
| Assets per employee ($millions) | 5.3063% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1525% | 733 |
| Loan loss allowance to noncurrent loans | 40.5895% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 7.4680% | 703 |
| Noncurrent loans to loans | 7.7668% | 687 |
| Net loans and leases to total assets | 67.7691% | 3,276 |
| Net loans and leases to deposits | 77.9382% | 3,840 |
| Net loans and leases to core deposits | 113.2781% | 873 |
| Total domestic deposits to total assets | 86.9523% | 2,559 |
| Equity capital to assets | 7.1752% | 7,281 |
| Core capital (leverage) ratio | 6.6788% | 7,292 |
| Tier 1 risk-based capital ratio | 9.0574% | 7,351 |
| Total risk-based capital ratio | 10.3278% | 7,364 |
| Memoranda: | ||
| Average total assets | $302,455,000 | 2,171 |
| Average earning assets | $279,518,750 | 2,146 |
| Average equity | $24,458,750 | 2,658 |
| Average total loans | $209,256,500 | 2,108 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 4,931 |
| Cost of funding earning assets | 1.5478% | 2,971 |
| Net interest margin | 3.4540% | 5,430 |
| Noninterest income to average assets | -0.0416% | 7,581 |
| Noninterest expense to average assets | 3.2051% | 2,879 |
| Loan and lease loss provision to assets | 2.6781% | 401 |
| Net operating income to assets | -2.7125% | 7,463 |
| Return on assets (ROA) | -2.5241% | 7,437 |
| Pretax return on assets | -2.5241% | 7,372 |
| Return on Equity (ROE) | -30.1572% | 7,437 |
| Retained earnings to average equity (ytd only) | -30.1572% | 7,421 |
| Net charge-offs to loans | 5.0600% | 202 |
| Credit loss provision to net charge-offs | 76.7697% | 4,799 |
| Earnings coverage of net charge-offs (x) | -0.0099% | 5,728 |
| Efficiency ratio | 101.0863% | 765 |
| Assets per employee ($millions) | 5.0765% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3700% | 1,474 |
| Loan loss allowance to noncurrent loans | 24.6056% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 8.5608% | 540 |
| Noncurrent loans to loans | 9.6321% | 472 |
| Net loans and leases to total assets | 66.5539% | 3,725 |
| Net loans and leases to deposits | 76.6068% | 4,219 |
| Net loans and leases to core deposits | 111.6233% | 1,053 |
| Total domestic deposits to total assets | 86.8772% | 2,604 |
| Equity capital to assets | 8.0632% | 6,684 |
| Core capital (leverage) ratio | 7.6275% | 6,699 |
| Tier 1 risk-based capital ratio | 10.4325% | 6,735 |
| Total risk-based capital ratio | 11.6937% | 6,711 |
| Memoranda: | ||
| Average total assets | $307,759,330 | 2,156 |
| Average earning assets | $286,218,670 | 2,111 |
| Average equity | $25,758,330 | 2,507 |
| Average total loans | $212,172,670 | 2,102 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 5,187 |
| Cost of funding earning assets | 1.6480% | 2,663 |
| Net interest margin | 3.3137% | 5,915 |
| Noninterest income to average assets | 0.2226% | 6,373 |
| Noninterest expense to average assets | 3.1525% | 3,043 |
| Loan and lease loss provision to assets | 1.6767% | 682 |
| Net operating income to assets | -1.5063% | 7,336 |
| Return on assets (ROA) | -1.2760% | 7,263 |
| Pretax return on assets | -1.2760% | 7,175 |
| Return on Equity (ROE) | -14.9886% | 7,312 |
| Retained earnings to average equity (ytd only) | -14.9886% | 7,211 |
| Net charge-offs to loans | 4.3341% | 300 |
| Credit loss provision to net charge-offs | 55.8238% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.0568% | 4,991 |
| Efficiency ratio | 94.8698% | 1,087 |
| Assets per employee ($millions) | 5.3784% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3569% | 1,481 |
| Loan loss allowance to noncurrent loans | 20.0032% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 9.0704% | 488 |
| Noncurrent loans to loans | 11.7828% | 303 |
| Net loans and leases to total assets | 67.0400% | 3,621 |
| Net loans and leases to deposits | 80.4025% | 3,575 |
| Net loans and leases to core deposits | 119.2944% | 809 |
| Total domestic deposits to total assets | 83.3806% | 4,436 |
| Equity capital to assets | 8.5765% | 5,903 |
| Core capital (leverage) ratio | 8.1662% | 5,966 |
| Tier 1 risk-based capital ratio | 11.3847% | 5,784 |
| Total risk-based capital ratio | 12.6464% | 5,742 |
| Memoranda: | ||
| Average total assets | $314,421,500 | 2,165 |
| Average earning assets | $294,172,000 | 2,120 |
| Average equity | $26,767,000 | 2,451 |
| Average total loans | $217,901,500 | 2,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 3,022 |
| Cost of funding earning assets | 2.1478% | 2,244 |
| Net interest margin | 3.5683% | 4,661 |
| Noninterest income to average assets | 0.2468% | 6,335 |
| Noninterest expense to average assets | 3.0688% | 3,876 |
| Loan and lease loss provision to assets | 1.6846% | 1,356 |
| Net operating income to assets | -1.1174% | 6,655 |
| Return on assets (ROA) | -0.9583% | 6,551 |
| Pretax return on assets | -0.9583% | 6,386 |
| Return on Equity (ROE) | -11.6813% | 6,749 |
| Retained earnings to average equity (ytd only) | -11.6813% | 6,660 |
| Net charge-offs to loans | 0.6117% | 3,377 |
| Credit loss provision to net charge-offs | 384.4101% | 827 |
| Earnings coverage of net charge-offs (x) | 1.2942% | 4,831 |
| Efficiency ratio | 84.4012% | 2,301 |
| Assets per employee ($millions) | 5.7549% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6647% | 1,052 |
| Loan loss allowance to noncurrent loans | 36.2999% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 5.6551% | 1,028 |
| Noncurrent loans to loans | 7.3407% | 728 |
| Net loans and leases to total assets | 68.0520% | 3,696 |
| Net loans and leases to deposits | 82.7447% | 3,494 |
| Net loans and leases to core deposits | 125.6742% | 1,541 |
| Total domestic deposits to total assets | 82.2434% | 4,841 |
| Equity capital to assets | 8.4527% | 5,965 |
| Core capital (leverage) ratio | 8.0862% | 6,017 |
| Tier 1 risk-based capital ratio | 11.2928% | 5,622 |
| Total risk-based capital ratio | 12.5586% | 5,550 |
| Memoranda: | ||
| Average total assets | $324,951,200 | 2,081 |
| Average earning assets | $308,636,800 | 2,016 |
| Average equity | $26,658,000 | 2,477 |
| Average total loans | $232,795,000 | 2,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 3,266 |
| Cost of funding earning assets | 2.2375% | 2,243 |
| Net interest margin | 3.4782% | 4,956 |
| Noninterest income to average assets | 0.2567% | 6,400 |
| Noninterest expense to average assets | 3.0890% | 3,687 |
| Loan and lease loss provision to assets | 1.9916% | 912 |
| Net operating income to assets | -1.5109% | 7,118 |
| Return on assets (ROA) | -1.3144% | 7,019 |
| Pretax return on assets | -1.3144% | 6,870 |
| Return on Equity (ROE) | -16.1431% | 7,242 |
| Retained earnings to average equity (ytd only) | -16.1431% | 7,194 |
| Net charge-offs to loans | 0.6716% | 2,679 |
| Credit loss provision to net charge-offs | 411.5059% | 968 |
| Earnings coverage of net charge-offs (x) | 0.9932% | 5,063 |
| Efficiency ratio | 86.5336% | 2,012 |
| Assets per employee ($millions) | 5.9951% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,154 |
| Loan loss allowance to noncurrent loans | 41.0428% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 4.5707% | 1,329 |
| Noncurrent loans to loans | 5.8885% | 1,020 |
| Net loans and leases to total assets | 67.7839% | 4,002 |
| Net loans and leases to deposits | 79.2910% | 4,512 |
| Net loans and leases to core deposits | 116.8029% | 2,540 |
| Total domestic deposits to total assets | 85.4874% | 2,973 |
| Equity capital to assets | 8.0921% | 6,754 |
| Core capital (leverage) ratio | 7.8186% | 6,597 |
| Tier 1 risk-based capital ratio | 10.7937% | 6,167 |
| Total risk-based capital ratio | 12.0567% | 6,115 |
| Memoranda: | ||
| Average total assets | $325,620,500 | 2,095 |
| Average earning assets | $310,153,500 | 2,026 |
| Average equity | $26,512,250 | 2,503 |
| Average total loans | $234,664,250 | 2,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 3,357 |
| Cost of funding earning assets | 2.3188% | 2,282 |
| Net interest margin | 3.4190% | 5,099 |
| Noninterest income to average assets | 0.2532% | 6,467 |
| Noninterest expense to average assets | 3.1000% | 3,702 |
| Loan and lease loss provision to assets | 1.4045% | 1,234 |
| Net operating income to assets | -0.9936% | 6,983 |
| Return on assets (ROA) | -0.7386% | 6,789 |
| Pretax return on assets | -0.7386% | 6,634 |
| Return on Equity (ROE) | -9.0515% | 6,968 |
| Retained earnings to average equity (ytd only) | -9.0515% | 6,775 |
| Net charge-offs to loans | 0.0995% | 5,167 |
| Credit loss provision to net charge-offs | 1,934.1880% | 276 |
| Earnings coverage of net charge-offs (x) | 5.6581% | 2,788 |
| Efficiency ratio | 88.2977% | 1,976 |
| Assets per employee ($millions) | 5.4899% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,239 |
| Loan loss allowance to noncurrent loans | 30.8201% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 3.9724% | 1,501 |
| Noncurrent loans to loans | 5.6180% | 1,023 |
| Net loans and leases to total assets | 69.4842% | 3,821 |
| Net loans and leases to deposits | 81.4939% | 4,301 |
| Net loans and leases to core deposits | 112.7586% | 3,049 |
| Total domestic deposits to total assets | 85.2630% | 3,130 |
| Equity capital to assets | 8.4907% | 6,059 |
| Core capital (leverage) ratio | 8.5027% | 5,445 |
| Tier 1 risk-based capital ratio | 11.5095% | 5,370 |
| Total risk-based capital ratio | 12.7644% | 5,290 |
| Memoranda: | ||
| Average total assets | $322,253,000 | 2,140 |
| Average earning assets | $307,049,000 | 2,074 |
| Average equity | $26,294,000 | 2,531 |
| Average total loans | $235,151,670 | 2,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8037% | 3,279 |
| Cost of funding earning assets | 2.3791% | 2,383 |
| Net interest margin | 3.4246% | 5,032 |
| Noninterest income to average assets | 0.1899% | 6,935 |
| Noninterest expense to average assets | 2.9867% | 3,826 |
| Loan and lease loss provision to assets | 0.5090% | 2,435 |
| Net operating income to assets | -0.0418% | 6,319 |
| Return on assets (ROA) | 0.1013% | 6,142 |
| Pretax return on assets | 0.1013% | 6,166 |
| Return on Equity (ROE) | 1.2686% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.2686% | 5,129 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4736% | 2,018 |
| Assets per employee ($millions) | 5.5759% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,091 |
| Loan loss allowance to noncurrent loans | 27.4752% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 2,154 |
| Noncurrent loans to loans | 3.6893% | 1,696 |
| Net loans and leases to total assets | 68.7705% | 3,958 |
| Net loans and leases to deposits | 79.7339% | 4,654 |
| Net loans and leases to core deposits | 109.9003% | 3,450 |
| Total domestic deposits to total assets | 86.2500% | 2,587 |
| Equity capital to assets | 7.5576% | 7,302 |
| Core capital (leverage) ratio | 7.9926% | 6,461 |
| Tier 1 risk-based capital ratio | 10.0261% | 6,889 |
| Total risk-based capital ratio | 10.9781% | 7,133 |
| Memoranda: | ||
| Average total assets | $315,937,000 | 2,179 |
| Average earning assets | $301,118,500 | 2,119 |
| Average equity | $25,224,000 | 2,627 |
| Average total loans | $234,331,500 | 2,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0846% | 939 |
| Cost of funding earning assets | 3.0081% | 1,845 |
| Net interest margin | 4.0765% | 2,802 |
| Noninterest income to average assets | 0.3564% | 5,878 |
| Noninterest expense to average assets | 3.4835% | 2,442 |
| Loan and lease loss provision to assets | 0.4178% | 3,193 |
| Net operating income to assets | 0.3738% | 5,257 |
| Return on assets (ROA) | 0.3738% | 5,067 |
| Pretax return on assets | 0.2851% | 5,541 |
| Return on Equity (ROE) | 4.5160% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.5160% | 2,318 |
| Net charge-offs to loans | 0.0316% | 6,384 |
| Credit loss provision to net charge-offs | 1,661.7647% | 261 |
| Earnings coverage of net charge-offs (x) | 27.9559% | 1,226 |
| Efficiency ratio | 83.2112% | 2,150 |
| Assets per employee ($millions) | 4.7955% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,994 |
| Loan loss allowance to noncurrent loans | 39.1348% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8001% | 2,730 |
| Noncurrent loans to loans | 2.1136% | 2,611 |
| Net loans and leases to total assets | 78.7967% | 1,936 |
| Net loans and leases to deposits | 93.4429% | 2,868 |
| Net loans and leases to core deposits | 114.4862% | 3,280 |
| Total domestic deposits to total assets | 84.3261% | 3,165 |
| Equity capital to assets | 8.4636% | 6,153 |
| Core capital (leverage) ratio | 8.3864% | 5,793 |
| Tier 1 risk-based capital ratio | 10.2055% | 6,512 |
| Total risk-based capital ratio | 11.0130% | 6,900 |
| Memoranda: | ||
| Average total assets | $270,475,400 | 2,380 |
| Average earning assets | $254,115,800 | 2,332 |
| Average equity | $22,387,200 | 2,925 |
| Average total loans | $215,105,800 | 2,172 |