Home > Minnwest Bank Metro > Performance and Condition Ratios
Minnwest Bank Metro, Performance and Condition Ratios
| 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 | 4.6554% | 1,360 |
| Cost of funding earning assets | 0.7203% | 1,122 |
| Net interest margin | 3.9351% | 1,967 |
| Noninterest income to average assets | 0.2237% | 5,564 |
| Noninterest expense to average assets | 3.3096% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2616% | 5,624 |
| Return on assets (ROA) | 0.2616% | 5,667 |
| Pretax return on assets | 0.4454% | 5,320 |
| Return on Equity (ROE) | 2.5234% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,555 |
| Net charge-offs to loans | 0.2120% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6111% | 2,841 |
| Efficiency ratio | 88.1373% | 1,216 |
| Assets per employee ($millions) | 4.8704% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 1,515 |
| Loan loss allowance to noncurrent loans | 116.0896% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 6.3654% | 259 |
| Noncurrent loans to loans | 1.7227% | 2,248 |
| Net loans and leases to total assets | 80.0237% | 548 |
| Net loans and leases to deposits | 100.3022% | 425 |
| Net loans and leases to core deposits | 103.0080% | 922 |
| Total domestic deposits to total assets | 79.7826% | 5,526 |
| Equity capital to assets | 10.4733% | 3,267 |
| Core capital (leverage) ratio | 10.6774% | 2,728 |
| Tier 1 risk-based capital ratio | 11.7769% | 5,776 |
| Total risk-based capital ratio | 13.0342% | 5,704 |
| Memoranda: | ||
| Average total assets | $211,024,500 | 2,915 |
| Average earning assets | $189,373,500 | 2,981 |
| Average equity | $21,875,000 | 2,958 |
| Average total loans | $169,818,500 | 2,350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,886 |
| Cost of funding earning assets | 0.8483% | 953 |
| Net interest margin | 3.4703% | 4,022 |
| Noninterest income to average assets | -0.1819% | 6,750 |
| Noninterest expense to average assets | 3.2006% | 2,415 |
| Loan and lease loss provision to assets | -0.1035% | 6,488 |
| Net operating income to assets | -0.0921% | 6,295 |
| Return on assets (ROA) | -0.0921% | 6,314 |
| Pretax return on assets | -0.1687% | 6,333 |
| Return on Equity (ROE) | -0.9536% | 6,321 |
| Retained earnings to average equity (ytd only) | -0.9536% | 6,054 |
| Net charge-offs to loans | -0.3095% | 6,678 |
| Credit loss provision to net charge-offs | 47.9592% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2960% | 280 |
| Assets per employee ($millions) | 4.6222% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 1,368 |
| Loan loss allowance to noncurrent loans | 122.5987% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 6.2821% | 296 |
| Noncurrent loans to loans | 1.6979% | 2,366 |
| Net loans and leases to total assets | 77.6570% | 863 |
| Net loans and leases to deposits | 97.0911% | 657 |
| Net loans and leases to core deposits | 100.0600% | 1,157 |
| Total domestic deposits to total assets | 79.9836% | 5,449 |
| Equity capital to assets | 10.2605% | 3,435 |
| Core capital (leverage) ratio | 10.3632% | 3,069 |
| Tier 1 risk-based capital ratio | 11.9335% | 5,655 |
| Total risk-based capital ratio | 13.1919% | 5,595 |
| Memoranda: | ||
| Average total assets | $227,019,600 | 2,746 |
| Average earning assets | $203,467,200 | 2,792 |
| Average equity | $21,915,800 | 2,932 |
| Average total loans | $158,304,800 | 2,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,364 |
| Cost of funding earning assets | 0.8757% | 925 |
| Net interest margin | 3.3319% | 4,525 |
| Noninterest income to average assets | -0.2983% | 6,850 |
| Noninterest expense to average assets | 3.0745% | 2,745 |
| Loan and lease loss provision to assets | 0.0867% | 3,326 |
| Net operating income to assets | -0.2688% | 6,506 |
| Return on assets (ROA) | -0.2688% | 6,522 |
| Pretax return on assets | -0.4746% | 6,588 |
| Return on Equity (ROE) | -2.8257% | 6,512 |
| Retained earnings to average equity (ytd only) | -2.8257% | 6,340 |
| Net charge-offs to loans | -0.5394% | 6,787 |
| Credit loss provision to net charge-offs | -23.8095% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4394% | 216 |
| Assets per employee ($millions) | 4.9662% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6016% | 832 |
| Loan loss allowance to noncurrent loans | 199.6536% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 5.8624% | 421 |
| Noncurrent loans to loans | 1.3031% | 3,230 |
| Net loans and leases to total assets | 69.1309% | 2,113 |
| Net loans and leases to deposits | 85.1546% | 1,724 |
| Net loans and leases to core deposits | 89.1520% | 2,055 |
| Total domestic deposits to total assets | 81.1828% | 5,173 |
| Equity capital to assets | 9.8731% | 4,084 |
| Core capital (leverage) ratio | 9.7408% | 4,045 |
| Tier 1 risk-based capital ratio | 12.6482% | 5,361 |
| Total risk-based capital ratio | 13.9120% | 5,294 |
| Memoranda: | ||
| Average total assets | $230,619,250 | 2,729 |
| Average earning assets | $206,603,500 | 2,781 |
| Average equity | $21,940,750 | 2,971 |
| Average total loans | $155,724,750 | 2,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,533 |
| Cost of funding earning assets | 0.8933% | 931 |
| Net interest margin | 3.2584% | 4,739 |
| Noninterest income to average assets | 0.1432% | 6,335 |
| Noninterest expense to average assets | 3.0948% | 2,673 |
| Loan and lease loss provision to assets | 0.1278% | 2,717 |
| Net operating income to assets | -0.0784% | 6,388 |
| Return on assets (ROA) | -0.0784% | 6,434 |
| Pretax return on assets | -0.1602% | 6,470 |
| Return on Equity (ROE) | -0.8340% | 6,438 |
| Retained earnings to average equity (ytd only) | -0.8340% | 6,016 |
| Net charge-offs to loans | -0.8401% | 6,859 |
| Credit loss provision to net charge-offs | -22.9008% | 5,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0576% | 456 |
| Assets per employee ($millions) | 4.8932% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5274% | 958 |
| Loan loss allowance to noncurrent loans | 185.8124% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 6.5863% | 371 |
| Noncurrent loans to loans | 1.3602% | 3,284 |
| Net loans and leases to total assets | 69.5633% | 1,956 |
| Net loans and leases to deposits | 84.8335% | 1,701 |
| Net loans and leases to core deposits | 88.7862% | 2,024 |
| Total domestic deposits to total assets | 81.9998% | 5,061 |
| Equity capital to assets | 9.7553% | 4,236 |
| Core capital (leverage) ratio | 9.3585% | 4,456 |
| Tier 1 risk-based capital ratio | 12.0157% | 5,786 |
| Total risk-based capital ratio | 13.2785% | 5,727 |
| Memoranda: | ||
| Average total assets | $234,654,670 | 2,700 |
| Average earning assets | $210,227,670 | 2,741 |
| Average equity | $22,063,000 | 2,976 |
| Average total loans | $155,934,670 | 2,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 3,750 |
| Cost of funding earning assets | 0.9134% | 928 |
| Net interest margin | 3.1809% | 4,996 |
| Noninterest income to average assets | 0.1236% | 6,484 |
| Noninterest expense to average assets | 2.7364% | 3,928 |
| Loan and lease loss provision to assets | 0.1253% | 2,667 |
| Net operating income to assets | 0.0869% | 6,175 |
| Return on assets (ROA) | 0.0869% | 6,262 |
| Pretax return on assets | 0.1186% | 6,225 |
| Return on Equity (ROE) | 0.9405% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.9405% | 5,469 |
| Net charge-offs to loans | -0.7813% | 6,908 |
| Credit loss provision to net charge-offs | -25.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8161% | 1,001 |
| Assets per employee ($millions) | 5.0246% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3314% | 1,359 |
| Loan loss allowance to noncurrent loans | 83.9112% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 6.1244% | 519 |
| Noncurrent loans to loans | 2.7785% | 1,827 |
| Net loans and leases to total assets | 64.3933% | 2,632 |
| Net loans and leases to deposits | 77.7197% | 2,381 |
| Net loans and leases to core deposits | 81.6933% | 2,615 |
| Total domestic deposits to total assets | 82.8532% | 4,905 |
| Equity capital to assets | 9.3748% | 5,027 |
| Core capital (leverage) ratio | 9.0581% | 4,791 |
| Tier 1 risk-based capital ratio | 12.4948% | 5,580 |
| Total risk-based capital ratio | 13.7555% | 5,527 |
| Memoranda: | ||
| Average total assets | $239,438,500 | 2,679 |
| Average earning assets | $215,032,000 | 2,716 |
| Average equity | $22,115,500 | 3,012 |
| Average total loans | $153,583,000 | 2,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 3,094 |
| Cost of funding earning assets | 1.0750% | 1,000 |
| Net interest margin | 3.5011% | 4,495 |
| Noninterest income to average assets | -0.0030% | 6,840 |
| Noninterest expense to average assets | 3.4760% | 1,878 |
| Loan and lease loss provision to assets | 0.1950% | 3,198 |
| Net operating income to assets | -0.3606% | 6,489 |
| Return on assets (ROA) | -0.3606% | 6,536 |
| Pretax return on assets | -0.5972% | 6,613 |
| Return on Equity (ROE) | -3.7643% | 6,539 |
| Retained earnings to average equity (ytd only) | -3.7643% | 6,339 |
| Net charge-offs to loans | 0.4125% | 2,602 |
| Credit loss provision to net charge-offs | 70.0935% | 4,157 |
| Earnings coverage of net charge-offs (x) | -1.4455% | 5,799 |
| Efficiency ratio | 111.6453% | 307 |
| Assets per employee ($millions) | 5.0567% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,649 |
| Loan loss allowance to noncurrent loans | 75.8918% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 6.5993% | 499 |
| Noncurrent loans to loans | 2.8316% | 1,859 |
| Net loans and leases to total assets | 61.0629% | 3,405 |
| Net loans and leases to deposits | 74.3966% | 3,038 |
| Net loans and leases to core deposits | 78.2941% | 3,220 |
| Total domestic deposits to total assets | 82.0774% | 5,069 |
| Equity capital to assets | 9.1018% | 5,398 |
| Core capital (leverage) ratio | 9.2375% | 4,516 |
| Tier 1 risk-based capital ratio | 12.8702% | 5,201 |
| Total risk-based capital ratio | 14.1313% | 5,132 |
| Memoranda: | ||
| Average total assets | $230,755,400 | 2,716 |
| Average earning assets | $202,792,600 | 2,819 |
| Average equity | $22,102,200 | 2,959 |
| Average total loans | $155,628,200 | 2,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 2,915 |
| Cost of funding earning assets | 1.1227% | 972 |
| Net interest margin | 3.5505% | 4,436 |
| Noninterest income to average assets | 0.0468% | 6,814 |
| Noninterest expense to average assets | 3.5082% | 1,736 |
| Loan and lease loss provision to assets | 0.2195% | 2,861 |
| Net operating income to assets | -0.3430% | 6,608 |
| Return on assets (ROA) | -0.3430% | 6,661 |
| Pretax return on assets | -0.5690% | 6,731 |
| Return on Equity (ROE) | -3.5346% | 6,652 |
| Retained earnings to average equity (ytd only) | -3.5346% | 6,521 |
| Net charge-offs to loans | 0.5804% | 1,887 |
| Credit loss provision to net charge-offs | 54.9853% | 4,280 |
| Earnings coverage of net charge-offs (x) | -0.8754% | 5,562 |
| Efficiency ratio | 109.3588% | 318 |
| Assets per employee ($millions) | 4.8564% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 2,179 |
| Loan loss allowance to noncurrent loans | 61.1728% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 7.9380% | 397 |
| Noncurrent loans to loans | 3.2631% | 1,689 |
| Net loans and leases to total assets | 69.0092% | 2,112 |
| Net loans and leases to deposits | 85.5150% | 1,661 |
| Net loans and leases to core deposits | 88.9388% | 2,112 |
| Total domestic deposits to total assets | 80.6983% | 5,451 |
| Equity capital to assets | 9.7827% | 4,807 |
| Core capital (leverage) ratio | 9.5143% | 4,245 |
| Tier 1 risk-based capital ratio | 12.1098% | 5,881 |
| Total risk-based capital ratio | 13.3665% | 5,853 |
| Memoranda: | ||
| Average total assets | $227,763,750 | 2,777 |
| Average earning assets | $199,629,000 | 2,869 |
| Average equity | $22,104,750 | 2,984 |
| Average total loans | $156,668,250 | 2,507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 3,216 |
| Cost of funding earning assets | 1.1957% | 835 |
| Net interest margin | 3.4375% | 4,936 |
| Noninterest income to average assets | 0.0986% | 6,682 |
| Noninterest expense to average assets | 3.5756% | 1,630 |
| Loan and lease loss provision to assets | 0.2618% | 2,482 |
| Net operating income to assets | -0.4371% | 6,704 |
| Return on assets (ROA) | -0.4371% | 6,749 |
| Pretax return on assets | -0.7286% | 6,829 |
| Return on Equity (ROE) | -4.5159% | 6,753 |
| Retained earnings to average equity (ytd only) | -4.5159% | 6,591 |
| Net charge-offs to loans | 0.4717% | 2,178 |
| Credit loss provision to net charge-offs | 81.3008% | 3,283 |
| Earnings coverage of net charge-offs (x) | -1.4499% | 5,350 |
| Efficiency ratio | 113.3034% | 292 |
| Assets per employee ($millions) | 5.0151% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 1,887 |
| Loan loss allowance to noncurrent loans | 104.0665% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 7.5168% | 484 |
| Noncurrent loans to loans | 2.0658% | 2,867 |
| Net loans and leases to total assets | 68.1276% | 2,273 |
| Net loans and leases to deposits | 84.3220% | 1,811 |
| Net loans and leases to core deposits | 89.2562% | 2,067 |
| Total domestic deposits to total assets | 80.7946% | 5,530 |
| Equity capital to assets | 9.7350% | 4,712 |
| Core capital (leverage) ratio | 9.2373% | 4,543 |
| Tier 1 risk-based capital ratio | 11.7262% | 6,095 |
| Total risk-based capital ratio | 12.9850% | 6,073 |
| Memoranda: | ||
| Average total assets | $229,220,000 | 2,769 |
| Average earning assets | $200,724,670 | 2,861 |
| Average equity | $22,188,330 | 2,966 |
| Average total loans | $156,456,670 | 2,513 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 3,983 |
| Cost of funding earning assets | 1.2831% | 675 |
| Net interest margin | 3.2027% | 5,775 |
| Noninterest income to average assets | -0.0831% | 7,160 |
| Noninterest expense to average assets | 3.4166% | 1,965 |
| Loan and lease loss provision to assets | 0.2598% | 2,380 |
| Net operating income to assets | -0.5732% | 6,867 |
| Return on assets (ROA) | -0.5732% | 6,891 |
| Pretax return on assets | -0.9542% | 6,969 |
| Return on Equity (ROE) | -5.9379% | 6,884 |
| Retained earnings to average equity (ytd only) | -5.9379% | 6,652 |
| Net charge-offs to loans | 0.3920% | 2,126 |
| Credit loss provision to net charge-offs | 98.0392% | 2,405 |
| Earnings coverage of net charge-offs (x) | -2.6209% | 4,634 |
| Efficiency ratio | 123.5369% | 192 |
| Assets per employee ($millions) | 5.0496% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1915% | 1,896 |
| Loan loss allowance to noncurrent loans | 36.8185% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 9.6915% | 320 |
| Noncurrent loans to loans | 5.9522% | 844 |
| Net loans and leases to total assets | 67.6447% | 2,180 |
| Net loans and leases to deposits | 84.3971% | 1,611 |
| Net loans and leases to core deposits | 90.2255% | 1,830 |
| Total domestic deposits to total assets | 80.1505% | 5,823 |
| Equity capital to assets | 9.7474% | 4,460 |
| Core capital (leverage) ratio | 8.9015% | 4,993 |
| Tier 1 risk-based capital ratio | 11.6529% | 6,191 |
| Total risk-based capital ratio | 12.9118% | 6,162 |
| Memoranda: | ||
| Average total assets | $230,989,500 | 2,759 |
| Average earning assets | $202,329,000 | 2,868 |
| Average equity | $22,297,500 | 2,943 |
| Average total loans | $156,120,500 | 2,539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 5,386 |
| Cost of funding earning assets | 1.5979% | 481 |
| Net interest margin | 2.8105% | 6,812 |
| Noninterest income to average assets | -1.0658% | 7,328 |
| Noninterest expense to average assets | 3.8576% | 1,244 |
| Loan and lease loss provision to assets | 0.2602% | 3,609 |
| Net operating income to assets | -1.6739% | 6,952 |
| Return on assets (ROA) | -1.6739% | 6,969 |
| Pretax return on assets | -2.7535% | 7,158 |
| Return on Equity (ROE) | -19.5692% | 6,978 |
| Retained earnings to average equity (ytd only) | -19.5692% | 6,962 |
| Net charge-offs to loans | 1.1328% | 1,500 |
| Credit loss provision to net charge-offs | 37.1831% | 5,675 |
| Earnings coverage of net charge-offs (x) | -3.5623% | 6,341 |
| Efficiency ratio | 279.1908% | 26 |
| Assets per employee ($millions) | 4.9947% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2226% | 1,760 |
| Loan loss allowance to noncurrent loans | 33.5507% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 10.1070% | 326 |
| Noncurrent loans to loans | 6.6246% | 698 |
| Net loans and leases to total assets | 64.5971% | 3,059 |
| Net loans and leases to deposits | 80.2130% | 2,484 |
| Net loans and leases to core deposits | 86.5027% | 2,568 |
| Total domestic deposits to total assets | 80.5320% | 5,582 |
| Equity capital to assets | 9.5617% | 4,789 |
| Core capital (leverage) ratio | 8.5353% | 5,506 |
| Tier 1 risk-based capital ratio | 11.9296% | 5,874 |
| Total risk-based capital ratio | 13.1893% | 5,844 |
| Memoranda: | ||
| Average total assets | $253,605,200 | 2,486 |
| Average earning assets | $219,284,000 | 2,621 |
| Average equity | $21,692,200 | 2,925 |
| Average total loans | $156,696,800 | 2,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 5,557 |
| Cost of funding earning assets | 1.6540% | 466 |
| Net interest margin | 2.7623% | 6,931 |
| Noninterest income to average assets | -1.1716% | 7,410 |
| Noninterest expense to average assets | 3.5325% | 1,852 |
| Loan and lease loss provision to assets | 0.3407% | 2,841 |
| Net operating income to assets | -1.6217% | 7,068 |
| Return on assets (ROA) | -1.6217% | 7,077 |
| Pretax return on assets | -2.6649% | 7,239 |
| Return on Equity (ROE) | -19.4814% | 7,090 |
| Retained earnings to average equity (ytd only) | -19.4814% | 7,075 |
| Net charge-offs to loans | 0.6501% | 2,301 |
| Credit loss provision to net charge-offs | 86.1619% | 3,919 |
| Earnings coverage of net charge-offs (x) | -5.8786% | 6,108 |
| Efficiency ratio | 288.4238% | 22 |
| Assets per employee ($millions) | 5.3013% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 931 |
| Loan loss allowance to noncurrent loans | 31.3803% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 11.5456% | 251 |
| Noncurrent loans to loans | 9.2468% | 409 |
| Net loans and leases to total assets | 61.1457% | 3,914 |
| Net loans and leases to deposits | 75.0908% | 3,495 |
| Net loans and leases to core deposits | 81.3005% | 3,440 |
| Total domestic deposits to total assets | 81.4291% | 5,282 |
| Equity capital to assets | 9.0716% | 5,665 |
| Core capital (leverage) ratio | 8.0476% | 6,346 |
| Tier 1 risk-based capital ratio | 11.4308% | 6,283 |
| Total risk-based capital ratio | 12.6967% | 6,267 |
| Memoranda: | ||
| Average total assets | $258,319,250 | 2,455 |
| Average earning assets | $222,563,500 | 2,598 |
| Average equity | $21,503,750 | 2,945 |
| Average total loans | $157,099,000 | 2,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 5,344 |
| Cost of funding earning assets | 1.6989% | 467 |
| Net interest margin | 2.8049% | 6,919 |
| Noninterest income to average assets | -0.7958% | 7,460 |
| Noninterest expense to average assets | 3.4111% | 2,227 |
| Loan and lease loss provision to assets | 0.5016% | 1,953 |
| Net operating income to assets | -1.4008% | 7,069 |
| Return on assets (ROA) | -1.4008% | 7,080 |
| Pretax return on assets | -2.3030% | 7,223 |
| Return on Equity (ROE) | -17.3071% | 7,122 |
| Retained earnings to average equity (ytd only) | -17.3071% | 7,103 |
| Net charge-offs to loans | 0.8959% | 1,737 |
| Credit loss provision to net charge-offs | 93.0889% | 3,374 |
| Earnings coverage of net charge-offs (x) | -3.3427% | 5,762 |
| Efficiency ratio | 209.0179% | 53 |
| Assets per employee ($millions) | 5.4154% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 926 |
| Loan loss allowance to noncurrent loans | 32.7718% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 11.9204% | 265 |
| Noncurrent loans to loans | 9.0375% | 459 |
| Net loans and leases to total assets | 56.8835% | 4,835 |
| Net loans and leases to deposits | 68.8738% | 4,580 |
| Net loans and leases to core deposits | 74.0618% | 4,577 |
| Total domestic deposits to total assets | 82.5910% | 4,951 |
| Equity capital to assets | 8.4404% | 6,250 |
| Core capital (leverage) ratio | 7.7755% | 6,531 |
| Tier 1 risk-based capital ratio | 11.1719% | 6,399 |
| Total risk-based capital ratio | 12.4375% | 6,382 |
| Memoranda: | ||
| Average total assets | $263,139,000 | 2,425 |
| Average earning assets | $225,673,000 | 2,573 |
| Average equity | $21,297,670 | 2,960 |
| Average total loans | $158,276,670 | 2,564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 5,483 |
| Cost of funding earning assets | 1.7557% | 438 |
| Net interest margin | 2.7053% | 7,013 |
| Noninterest income to average assets | -0.0348% | 7,341 |
| Noninterest expense to average assets | 3.2696% | 2,647 |
| Loan and lease loss provision to assets | 0.4986% | 1,752 |
| Net operating income to assets | -0.9202% | 7,019 |
| Return on assets (ROA) | -0.9202% | 7,019 |
| Pretax return on assets | -1.4958% | 7,159 |
| Return on Equity (ROE) | -11.6130% | 7,069 |
| Retained earnings to average equity (ytd only) | -11.6130% | 6,931 |
| Net charge-offs to loans | 0.2580% | 3,037 |
| Credit loss provision to net charge-offs | 317.3077% | 1,021 |
| Earnings coverage of net charge-offs (x) | -6.3462% | 5,037 |
| Efficiency ratio | 141.8218% | 208 |
| Assets per employee ($millions) | 5.7899% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0293% | 894 |
| Loan loss allowance to noncurrent loans | 28.7861% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 15.3469% | 150 |
| Noncurrent loans to loans | 10.5236% | 364 |
| Net loans and leases to total assets | 58.8251% | 4,494 |
| Net loans and leases to deposits | 71.1374% | 4,178 |
| Net loans and leases to core deposits | 76.3963% | 4,251 |
| Total domestic deposits to total assets | 82.6922% | 5,029 |
| Equity capital to assets | 8.2553% | 6,215 |
| Core capital (leverage) ratio | 7.5689% | 6,684 |
| Tier 1 risk-based capital ratio | 10.5538% | 6,780 |
| Total risk-based capital ratio | 11.8202% | 6,759 |
| Memoranda: | ||
| Average total assets | $264,738,500 | 2,428 |
| Average earning assets | $225,780,000 | 2,593 |
| Average equity | $20,976,500 | 2,987 |
| Average total loans | $161,227,000 | 2,547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 5,719 |
| Cost of funding earning assets | 1.9188% | 788 |
| Net interest margin | 2.8038% | 7,024 |
| Noninterest income to average assets | -0.5344% | 7,571 |
| Noninterest expense to average assets | 4.2915% | 818 |
| Loan and lease loss provision to assets | 2.3218% | 516 |
| Net operating income to assets | -3.1880% | 7,333 |
| Return on assets (ROA) | -3.1880% | 7,348 |
| Pretax return on assets | -4.6993% | 7,520 |
| Return on Equity (ROE) | -42.1876% | 7,371 |
| Retained earnings to average equity (ytd only) | -42.1876% | 7,364 |
| Net charge-offs to loans | 3.1147% | 518 |
| Credit loss provision to net charge-offs | 116.8574% | 3,668 |
| Earnings coverage of net charge-offs (x) | -1.1965% | 6,640 |
| Efficiency ratio | 177.3931% | 125 |
| Assets per employee ($millions) | 6.7233% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7750% | 1,088 |
| Loan loss allowance to noncurrent loans | 32.7636% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 13.8802% | 199 |
| Noncurrent loans to loans | 8.4696% | 583 |
| Net loans and leases to total assets | 59.4344% | 4,768 |
| Net loans and leases to deposits | 71.0630% | 4,674 |
| Net loans and leases to core deposits | 75.9198% | 4,728 |
| Total domestic deposits to total assets | 83.6363% | 4,534 |
| Equity capital to assets | 7.6020% | 6,814 |
| Core capital (leverage) ratio | 6.5018% | 7,191 |
| Tier 1 risk-based capital ratio | 9.6234% | 7,101 |
| Total risk-based capital ratio | 10.8868% | 7,101 |
| Memoranda: | ||
| Average total assets | $307,815,000 | 2,104 |
| Average earning assets | $268,812,000 | 2,189 |
| Average equity | $23,260,400 | 2,727 |
| Average total loans | $196,356,400 | 2,193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 5,832 |
| Cost of funding earning assets | 1.9315% | 931 |
| Net interest margin | 2.8241% | 7,100 |
| Noninterest income to average assets | -0.5022% | 7,679 |
| Noninterest expense to average assets | 4.3601% | 697 |
| Loan and lease loss provision to assets | 2.5428% | 407 |
| Net operating income to assets | -3.4234% | 7,510 |
| Return on assets (ROA) | -3.4234% | 7,521 |
| Pretax return on assets | -4.9261% | 7,634 |
| Return on Equity (ROE) | -45.3604% | 7,532 |
| Retained earnings to average equity (ytd only) | -45.3604% | 7,530 |
| Net charge-offs to loans | 3.1991% | 456 |
| Credit loss provision to net charge-offs | 123.5162% | 3,318 |
| Earnings coverage of net charge-offs (x) | -1.1577% | 6,471 |
| Efficiency ratio | 162.6381% | 156 |
| Assets per employee ($millions) | 6.1177% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5174% | 1,295 |
| Loan loss allowance to noncurrent loans | 25.1018% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 13.6190% | 206 |
| Noncurrent loans to loans | 10.0286% | 419 |
| Net loans and leases to total assets | 61.7692% | 4,581 |
| Net loans and leases to deposits | 73.3105% | 4,637 |
| Net loans and leases to core deposits | 80.5593% | 4,433 |
| Total domestic deposits to total assets | 84.2570% | 3,980 |
| Equity capital to assets | 7.0533% | 7,326 |
| Core capital (leverage) ratio | 6.7606% | 7,268 |
| Tier 1 risk-based capital ratio | 9.2819% | 7,306 |
| Total risk-based capital ratio | 10.5435% | 7,311 |
| Memoranda: | ||
| Average total assets | $317,536,250 | 2,078 |
| Average earning assets | $278,737,250 | 2,157 |
| Average equity | $23,964,500 | 2,699 |
| Average total loans | $204,345,750 | 2,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 5,759 |
| Cost of funding earning assets | 1.9369% | 1,085 |
| Net interest margin | 2.8737% | 7,042 |
| Noninterest income to average assets | -0.4037% | 7,735 |
| Noninterest expense to average assets | 3.1711% | 3,011 |
| Loan and lease loss provision to assets | 1.1920% | 1,177 |
| Net operating income to assets | -1.3585% | 7,101 |
| Return on assets (ROA) | -1.3585% | 7,114 |
| Pretax return on assets | -2.2335% | 7,306 |
| Return on Equity (ROE) | -17.6536% | 7,220 |
| Retained earnings to average equity (ytd only) | -17.6536% | 7,188 |
| Net charge-offs to loans | 0.7556% | 2,354 |
| Credit loss provision to net charge-offs | 244.0252% | 1,579 |
| Earnings coverage of net charge-offs (x) | -2.1321% | 6,216 |
| Efficiency ratio | 147.1437% | 220 |
| Assets per employee ($millions) | 6.1180% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 1,553 |
| Loan loss allowance to noncurrent loans | 37.8715% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 11.3557% | 303 |
| Noncurrent loans to loans | 6.1261% | 1,031 |
| Net loans and leases to total assets | 64.3582% | 4,186 |
| Net loans and leases to deposits | 77.8488% | 4,001 |
| Net loans and leases to core deposits | 84.1617% | 4,120 |
| Total domestic deposits to total assets | 82.6708% | 4,705 |
| Equity capital to assets | 8.0804% | 6,672 |
| Core capital (leverage) ratio | 6.9479% | 7,221 |
| Tier 1 risk-based capital ratio | 9.4393% | 7,292 |
| Total risk-based capital ratio | 10.6956% | 7,292 |
| Memoranda: | ||
| Average total assets | $325,499,000 | 2,038 |
| Average earning assets | $286,946,000 | 2,106 |
| Average equity | $25,048,670 | 2,583 |
| Average total loans | $210,438,330 | 2,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 6,045 |
| Cost of funding earning assets | 1.9300% | 1,322 |
| Net interest margin | 2.8275% | 7,141 |
| Noninterest income to average assets | 0.0203% | 7,594 |
| Noninterest expense to average assets | 2.9609% | 3,816 |
| Loan and lease loss provision to assets | 0.5261% | 2,396 |
| Net operating income to assets | -0.5786% | 6,881 |
| Return on assets (ROA) | -0.5786% | 6,913 |
| Pretax return on assets | -0.9448% | 7,027 |
| Return on Equity (ROE) | -7.6941% | 7,037 |
| Retained earnings to average equity (ytd only) | -7.6941% | 6,803 |
| Net charge-offs to loans | 1.2193% | 1,395 |
| Credit loss provision to net charge-offs | 67.3282% | 4,158 |
| Earnings coverage of net charge-offs (x) | -0.5359% | 5,292 |
| Efficiency ratio | 115.0164% | 515 |
| Assets per employee ($millions) | 6.0883% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,512 |
| Loan loss allowance to noncurrent loans | 26.4957% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 9.0219% | 496 |
| Noncurrent loans to loans | 5.9878% | 1,101 |
| Net loans and leases to total assets | 62.5852% | 4,637 |
| Net loans and leases to deposits | 75.4334% | 4,509 |
| Net loans and leases to core deposits | 80.8309% | 4,655 |
| Total domestic deposits to total assets | 82.9675% | 4,646 |
| Equity capital to assets | 7.5960% | 6,994 |
| Core capital (leverage) ratio | 6.7138% | 7,383 |
| Tier 1 risk-based capital ratio | 9.4052% | 7,349 |
| Total risk-based capital ratio | 10.6575% | 7,348 |
| Memoranda: | ||
| Average total assets | $335,299,000 | 2,041 |
| Average earning assets | $299,063,500 | 2,081 |
| Average equity | $25,214,000 | 2,590 |
| Average total loans | $214,884,000 | 2,129 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 5,525 |
| Cost of funding earning assets | 2.4840% | 1,059 |
| Net interest margin | 2.7420% | 7,151 |
| Noninterest income to average assets | -0.1028% | 7,805 |
| Noninterest expense to average assets | 3.1801% | 3,444 |
| Loan and lease loss provision to assets | 3.0268% | 573 |
| Net operating income to assets | -2.2978% | 7,197 |
| Return on assets (ROA) | -2.2978% | 7,198 |
| Pretax return on assets | -3.8079% | 7,485 |
| Return on Equity (ROE) | -26.1160% | 7,317 |
| Retained earnings to average equity (ytd only) | -26.1160% | 7,290 |
| Net charge-offs to loans | 3.7292% | 494 |
| Credit loss provision to net charge-offs | 109.4968% | 5,034 |
| Earnings coverage of net charge-offs (x) | -0.2826% | 6,529 |
| Efficiency ratio | 130.9814% | 470 |
| Assets per employee ($millions) | 6.2151% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,283 |
| Loan loss allowance to noncurrent loans | 21.4455% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 8.6288% | 476 |
| Noncurrent loans to loans | 7.4606% | 714 |
| Net loans and leases to total assets | 63.5286% | 4,700 |
| Net loans and leases to deposits | 77.0870% | 4,546 |
| Net loans and leases to core deposits | 94.4988% | 4,628 |
| Total domestic deposits to total assets | 82.4115% | 4,770 |
| Equity capital to assets | 7.4466% | 7,082 |
| Core capital (leverage) ratio | 6.4488% | 7,510 |
| Tier 1 risk-based capital ratio | 9.1976% | 7,377 |
| Total risk-based capital ratio | 10.4504% | 7,377 |
| Memoranda: | ||
| Average total assets | $324,925,600 | 2,082 |
| Average earning assets | $296,459,800 | 2,097 |
| Average equity | $28,587,800 | 2,326 |
| Average total loans | $240,855,000 | 1,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 4,829 |
| Cost of funding earning assets | 2.5050% | 1,283 |
| Net interest margin | 2.9191% | 6,804 |
| Noninterest income to average assets | -0.0861% | 7,920 |
| Noninterest expense to average assets | 3.0092% | 4,010 |
| Loan and lease loss provision to assets | 2.5444% | 647 |
| Net operating income to assets | -1.7869% | 7,232 |
| Return on assets (ROA) | -1.7869% | 7,231 |
| Pretax return on assets | -2.9643% | 7,490 |
| Return on Equity (ROE) | -19.5108% | 7,357 |
| Retained earnings to average equity (ytd only) | -19.5108% | 7,322 |
| Net charge-offs to loans | 2.3088% | 815 |
| Credit loss provision to net charge-offs | 143.7295% | 3,404 |
| Earnings coverage of net charge-offs (x) | -0.2372% | 6,315 |
| Efficiency ratio | 114.7399% | 679 |
| Assets per employee ($millions) | 6.3151% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 1,997 |
| Loan loss allowance to noncurrent loans | 27.6526% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 7.0025% | 690 |
| Noncurrent loans to loans | 6.9224% | 782 |
| Net loans and leases to total assets | 66.9764% | 4,190 |
| Net loans and leases to deposits | 82.3481% | 3,951 |
| Net loans and leases to core deposits | 98.8720% | 4,502 |
| Total domestic deposits to total assets | 81.3332% | 4,948 |
| Equity capital to assets | 8.2670% | 6,541 |
| Core capital (leverage) ratio | 7.1961% | 7,270 |
| Tier 1 risk-based capital ratio | 9.8856% | 7,065 |
| Total risk-based capital ratio | 11.1423% | 7,024 |
| Memoranda: | ||
| Average total assets | $320,699,000 | 2,120 |
| Average earning assets | $293,914,250 | 2,122 |
| Average equity | $29,371,000 | 2,297 |
| Average total loans | $245,895,750 | 1,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 3,740 |
| Cost of funding earning assets | 2.4940% | 1,634 |
| Net interest margin | 3.1707% | 6,014 |
| Noninterest income to average assets | 0.1417% | 7,240 |
| Noninterest expense to average assets | 3.0460% | 3,889 |
| Loan and lease loss provision to assets | 0.4907% | 3,081 |
| Net operating income to assets | -0.2700% | 6,292 |
| Return on assets (ROA) | -0.2700% | 6,304 |
| Pretax return on assets | -0.4830% | 6,408 |
| Return on Equity (ROE) | -2.8456% | 6,342 |
| Retained earnings to average equity (ytd only) | -2.8456% | 5,940 |
| Net charge-offs to loans | 0.3384% | 3,485 |
| Credit loss provision to net charge-offs | 181.7102% | 2,525 |
| Earnings coverage of net charge-offs (x) | 0.0285% | 5,647 |
| Efficiency ratio | 98.4667% | 1,253 |
| Assets per employee ($millions) | 6.1005% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 4,734 |
| Loan loss allowance to noncurrent loans | 28.6445% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 5.9750% | 813 |
| Noncurrent loans to loans | 4.3004% | 1,527 |
| Net loans and leases to total assets | 72.2161% | 3,158 |
| Net loans and leases to deposits | 93.5902% | 2,160 |
| Net loans and leases to core deposits | 112.8180% | 3,039 |
| Total domestic deposits to total assets | 77.1620% | 6,281 |
| Equity capital to assets | 9.3235% | 4,833 |
| Core capital (leverage) ratio | 8.7879% | 4,957 |
| Tier 1 risk-based capital ratio | 10.3116% | 6,583 |
| Total risk-based capital ratio | 11.4304% | 6,667 |
| Memoranda: | ||
| Average total assets | $311,821,000 | 2,186 |
| Average earning assets | $286,372,670 | 2,187 |
| Average equity | $29,590,000 | 2,297 |
| Average total loans | $248,804,000 | 1,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7807% | 3,401 |
| Cost of funding earning assets | 2.5745% | 1,641 |
| Net interest margin | 3.2062% | 5,840 |
| Noninterest income to average assets | 0.2200% | 6,716 |
| Noninterest expense to average assets | 2.9550% | 3,959 |
| Loan and lease loss provision to assets | 0.6001% | 2,099 |
| Net operating income to assets | -0.2000% | 6,555 |
| Return on assets (ROA) | -0.2000% | 6,641 |
| Pretax return on assets | -0.3707% | 6,727 |
| Return on Equity (ROE) | -2.0874% | 6,672 |
| Retained earnings to average equity (ytd only) | -2.0874% | 6,121 |
| Net charge-offs to loans | 0.7280% | 1,732 |
| Credit loss provision to net charge-offs | 98.6842% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.3772% | 4,677 |
| Efficiency ratio | 91.4992% | 1,610 |
| Assets per employee ($millions) | 5.6176% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,768 |
| Loan loss allowance to noncurrent loans | 16.0375% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 7.0272% | 480 |
| Noncurrent loans to loans | 6.5925% | 654 |
| Net loans and leases to total assets | 82.4308% | 940 |
| Net loans and leases to deposits | 109.8733% | 616 |
| Net loans and leases to core deposits | 129.6955% | 1,680 |
| Total domestic deposits to total assets | 75.0235% | 6,712 |
| Equity capital to assets | 9.4650% | 4,722 |
| Core capital (leverage) ratio | 8.3402% | 5,832 |
| Tier 1 risk-based capital ratio | 9.7059% | 7,250 |
| Total risk-based capital ratio | 10.7309% | 7,390 |
| Memoranda: | ||
| Average total assets | $299,967,000 | 2,265 |
| Average earning assets | $277,336,500 | 2,252 |
| Average equity | $28,743,500 | 2,365 |
| Average total loans | $250,542,000 | 1,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6552% | 2,223 |
| Cost of funding earning assets | 3.0202% | 1,802 |
| Net interest margin | 3.6350% | 4,735 |
| Noninterest income to average assets | 0.0618% | 7,840 |
| Noninterest expense to average assets | 3.0319% | 3,965 |
| Loan and lease loss provision to assets | 1.2192% | 1,177 |
| Net operating income to assets | -0.4813% | 6,909 |
| Return on assets (ROA) | -0.4774% | 6,784 |
| Pretax return on assets | -0.8052% | 6,880 |
| Return on Equity (ROE) | -4.7847% | 6,842 |
| Retained earnings to average equity (ytd only) | -4.7847% | 6,478 |
| Net charge-offs to loans | 0.8568% | 1,462 |
| Credit loss provision to net charge-offs | 173.2007% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.5793% | 5,875 |
| Efficiency ratio | 86.6723% | 1,788 |
| Assets per employee ($millions) | 5.2962% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,430 |
| Loan loss allowance to noncurrent loans | 23.4193% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 5.4591% | 598 |
| Noncurrent loans to loans | 4.6042% | 1,029 |
| Net loans and leases to total assets | 82.8366% | 1,072 |
| Net loans and leases to deposits | 109.3850% | 874 |
| Net loans and leases to core deposits | 132.0816% | 1,718 |
| Total domestic deposits to total assets | 75.7294% | 6,300 |
| Equity capital to assets | 9.7021% | 4,421 |
| Core capital (leverage) ratio | 8.6837% | 5,224 |
| Tier 1 risk-based capital ratio | 9.7949% | 6,964 |
| Total risk-based capital ratio | 10.8268% | 7,126 |
| Memoranda: | ||
| Average total assets | $242,787,200 | 2,629 |
| Average earning assets | $225,611,600 | 2,590 |
| Average equity | $24,222,800 | 2,712 |
| Average total loans | $199,459,000 | 2,305 |