Home > Mission Oaks National Bank > Performance and Condition Ratios
Mission Oaks National Bank, 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 | 4.3568% | 2,307 |
| Cost of funding earning assets | 0.3273% | 4,766 |
| Net interest margin | 4.0295% | 1,661 |
| Noninterest income to average assets | 0.5604% | 2,981 |
| Noninterest expense to average assets | 5.1258% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8117% | 6,540 |
| Return on assets (ROA) | -0.8117% | 6,542 |
| Pretax return on assets | -0.8117% | 6,532 |
| Return on Equity (ROE) | -8.3959% | 6,538 |
| Retained earnings to average equity (ytd only) | -8.3959% | 6,301 |
| Net charge-offs to loans | 0.3160% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -3.6481% | 3,565 |
| Efficiency ratio | 118.8157% | 180 |
| Assets per employee ($millions) | 3.5186% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7630% | 220 |
| Loan loss allowance to noncurrent loans | 34.6459% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 7.4237% | 194 |
| Noncurrent loans to loans | 10.8615% | 85 |
| Net loans and leases to total assets | 65.7772% | 2,607 |
| Net loans and leases to deposits | 73.1846% | 3,170 |
| Net loans and leases to core deposits | 75.6149% | 3,448 |
| Total domestic deposits to total assets | 89.8784% | 1,139 |
| Equity capital to assets | 9.4223% | 4,596 |
| Core capital (leverage) ratio | 9.3841% | 4,448 |
| Tier 1 risk-based capital ratio | 13.3877% | 4,774 |
| Total risk-based capital ratio | 14.6693% | 4,682 |
| Memoranda: | ||
| Average total assets | $97,077,000 | 4,796 |
| Average earning assets | $90,433,500 | 4,767 |
| Average equity | $9,385,500 | 4,963 |
| Average total loans | $68,357,500 | 4,318 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 1,453 |
| Cost of funding earning assets | 0.3613% | 5,038 |
| Net interest margin | 4.3859% | 936 |
| Noninterest income to average assets | 0.6693% | 2,708 |
| Noninterest expense to average assets | 4.9187% | 368 |
| Loan and lease loss provision to assets | -0.3968% | 6,714 |
| Net operating income to assets | 0.2267% | 5,756 |
| Return on assets (ROA) | 0.2516% | 5,758 |
| Pretax return on assets | 0.2526% | 5,843 |
| Return on Equity (ROE) | 2.6821% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.6821% | 4,331 |
| Net charge-offs to loans | 0.6339% | 1,030 |
| Credit loss provision to net charge-offs | -85.9914% | 5,853 |
| Earnings coverage of net charge-offs (x) | -0.3664% | 5,178 |
| Efficiency ratio | 103.5595% | 382 |
| Assets per employee ($millions) | 3.4154% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7304% | 239 |
| Loan loss allowance to noncurrent loans | 41.3155% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 6.5501% | 274 |
| Noncurrent loans to loans | 9.0291% | 141 |
| Net loans and leases to total assets | 69.8385% | 2,040 |
| Net loans and leases to deposits | 78.1494% | 2,703 |
| Net loans and leases to core deposits | 80.5441% | 3,061 |
| Total domestic deposits to total assets | 89.3655% | 1,404 |
| Equity capital to assets | 9.9214% | 3,871 |
| Core capital (leverage) ratio | 9.3718% | 4,446 |
| Tier 1 risk-based capital ratio | 13.2812% | 4,800 |
| Total risk-based capital ratio | 14.5621% | 4,720 |
| Memoranda: | ||
| Average total assets | $100,555,600 | 4,726 |
| Average earning assets | $93,549,600 | 4,690 |
| Average equity | $9,433,000 | 4,997 |
| Average total loans | $73,194,400 | 4,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,578 |
| Cost of funding earning assets | 0.3664% | 5,130 |
| Net interest margin | 4.3413% | 1,006 |
| Noninterest income to average assets | 0.4637% | 4,048 |
| Noninterest expense to average assets | 5.0208% | 333 |
| Loan and lease loss provision to assets | -0.5227% | 6,835 |
| Net operating income to assets | 0.0013% | 6,294 |
| Return on assets (ROA) | 0.0327% | 6,304 |
| Pretax return on assets | 0.0341% | 6,280 |
| Return on Equity (ROE) | 0.3538% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.3538% | 5,825 |
| Net charge-offs to loans | 0.8415% | 698 |
| Credit loss provision to net charge-offs | -85.2564% | 5,759 |
| Earnings coverage of net charge-offs (x) | -0.8504% | 4,997 |
| Efficiency ratio | 111.5866% | 247 |
| Assets per employee ($millions) | 3.4583% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4765% | 344 |
| Loan loss allowance to noncurrent loans | 60.2753% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 4.2745% | 716 |
| Noncurrent loans to loans | 5.7677% | 456 |
| Net loans and leases to total assets | 71.5351% | 1,674 |
| Net loans and leases to deposits | 79.5644% | 2,471 |
| Net loans and leases to core deposits | 82.1020% | 2,862 |
| Total domestic deposits to total assets | 89.9085% | 1,051 |
| Equity capital to assets | 9.2370% | 4,888 |
| Core capital (leverage) ratio | 9.1332% | 4,916 |
| Tier 1 risk-based capital ratio | 12.1365% | 5,694 |
| Total risk-based capital ratio | 13.4146% | 5,612 |
| Memoranda: | ||
| Average total assets | $101,786,500 | 4,743 |
| Average earning assets | $94,624,000 | 4,706 |
| Average equity | $9,419,250 | 5,050 |
| Average total loans | $74,149,000 | 4,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 1,570 |
| Cost of funding earning assets | 0.3682% | 5,243 |
| Net interest margin | 4.3321% | 973 |
| Noninterest income to average assets | 0.5064% | 3,788 |
| Noninterest expense to average assets | 4.9920% | 356 |
| Loan and lease loss provision to assets | -0.7802% | 6,905 |
| Net operating income to assets | 0.3192% | 5,526 |
| Return on assets (ROA) | 0.3676% | 5,511 |
| Pretax return on assets | 0.3696% | 5,708 |
| Return on Equity (ROE) | 3.9700% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.9700% | 3,766 |
| Net charge-offs to loans | 1.0258% | 591 |
| Credit loss provision to net charge-offs | -105.0000% | 5,627 |
| Earnings coverage of net charge-offs (x) | -0.6184% | 4,676 |
| Efficiency ratio | 110.1381% | 275 |
| Assets per employee ($millions) | 3.4246% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6461% | 335 |
| Loan loss allowance to noncurrent loans | 58.3024% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.1685% | 586 |
| Noncurrent loans to loans | 6.2538% | 424 |
| Net loans and leases to total assets | 71.0997% | 1,710 |
| Net loans and leases to deposits | 79.2690% | 2,425 |
| Net loans and leases to core deposits | 82.0154% | 2,802 |
| Total domestic deposits to total assets | 89.6943% | 1,210 |
| Equity capital to assets | 9.5415% | 4,530 |
| Core capital (leverage) ratio | 9.1795% | 4,726 |
| Tier 1 risk-based capital ratio | 12.4973% | 5,505 |
| Total risk-based capital ratio | 13.7765% | 5,419 |
| Memoranda: | ||
| Average total assets | $102,284,670 | 4,761 |
| Average earning assets | $95,058,670 | 4,723 |
| Average equity | $9,471,000 | 5,067 |
| Average total loans | $74,089,330 | 4,170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,670 |
| Cost of funding earning assets | 0.3721% | 5,348 |
| Net interest margin | 4.2786% | 1,007 |
| Noninterest income to average assets | 0.4549% | 4,089 |
| Noninterest expense to average assets | 4.9841% | 374 |
| Loan and lease loss provision to assets | -1.5419% | 7,005 |
| Net operating income to assets | 0.9984% | 2,230 |
| Return on assets (ROA) | 0.9984% | 2,347 |
| Pretax return on assets | 1.0022% | 3,341 |
| Return on Equity (ROE) | 10.9415% | 1,731 |
| Retained earnings to average equity (ytd only) | 10.9415% | 892 |
| Net charge-offs to loans | 0.8538% | 708 |
| Credit loss provision to net charge-offs | -251.5723% | 5,316 |
| Earnings coverage of net charge-offs (x) | -0.8805% | 3,957 |
| Efficiency ratio | 112.1422% | 301 |
| Assets per employee ($millions) | 3.6162% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9307% | 302 |
| Loan loss allowance to noncurrent loans | 55.5940% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 4.9604% | 745 |
| Noncurrent loans to loans | 7.0704% | 413 |
| Net loans and leases to total assets | 67.3990% | 2,122 |
| Net loans and leases to deposits | 74.7333% | 2,811 |
| Net loans and leases to core deposits | 77.1621% | 3,183 |
| Total domestic deposits to total assets | 90.1860% | 940 |
| Equity capital to assets | 9.1779% | 5,277 |
| Core capital (leverage) ratio | 9.1506% | 4,640 |
| Tier 1 risk-based capital ratio | 12.6270% | 5,495 |
| Total risk-based capital ratio | 13.9111% | 5,419 |
| Memoranda: | ||
| Average total assets | $103,770,000 | 4,774 |
| Average earning assets | $96,759,500 | 4,719 |
| Average equity | $9,468,500 | 5,116 |
| Average total loans | $74,492,000 | 4,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 1,879 |
| Cost of funding earning assets | 0.5394% | 4,909 |
| Net interest margin | 4.3485% | 1,291 |
| Noninterest income to average assets | -0.3102% | 6,998 |
| Noninterest expense to average assets | 5.3512% | 297 |
| Loan and lease loss provision to assets | 1.1569% | 312 |
| Net operating income to assets | -2.8636% | 7,001 |
| Return on assets (ROA) | -2.8636% | 7,004 |
| Pretax return on assets | -2.8627% | 7,007 |
| Return on Equity (ROE) | -33.0049% | 6,967 |
| Retained earnings to average equity (ytd only) | -33.0049% | 6,951 |
| Net charge-offs to loans | 2.3468% | 275 |
| Credit loss provision to net charge-offs | 71.7010% | 4,107 |
| Earnings coverage of net charge-offs (x) | -1.0572% | 5,763 |
| Efficiency ratio | 146.7944% | 98 |
| Assets per employee ($millions) | 3.5403% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5750% | 175 |
| Loan loss allowance to noncurrent loans | 69.8663% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 4.9372% | 789 |
| Noncurrent loans to loans | 6.5482% | 508 |
| Net loans and leases to total assets | 70.0893% | 1,825 |
| Net loans and leases to deposits | 77.6703% | 2,578 |
| Net loans and leases to core deposits | 80.2462% | 2,971 |
| Total domestic deposits to total assets | 90.2395% | 828 |
| Equity capital to assets | 9.0699% | 5,441 |
| Core capital (leverage) ratio | 8.5945% | 5,469 |
| Tier 1 risk-based capital ratio | 12.0658% | 5,749 |
| Total risk-based capital ratio | 13.3577% | 5,679 |
| Memoranda: | ||
| Average total assets | $120,235,200 | 4,356 |
| Average earning assets | $109,371,200 | 4,355 |
| Average equity | $10,431,800 | 4,883 |
| Average total loans | $82,664,800 | 3,952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 2,449 |
| Cost of funding earning assets | 0.5827% | 4,813 |
| Net interest margin | 4.2006% | 1,734 |
| Noninterest income to average assets | -0.4525% | 7,124 |
| Noninterest expense to average assets | 5.5086% | 265 |
| Loan and lease loss provision to assets | 1.6069% | 188 |
| Net operating income to assets | -3.7669% | 7,134 |
| Return on assets (ROA) | -3.7669% | 7,136 |
| Pretax return on assets | -3.7658% | 7,134 |
| Return on Equity (ROE) | -43.8262% | 7,108 |
| Retained earnings to average equity (ytd only) | -43.8262% | 7,101 |
| Net charge-offs to loans | 3.2386% | 155 |
| Credit loss provision to net charge-offs | 73.1969% | 3,817 |
| Earnings coverage of net charge-offs (x) | -0.9834% | 5,573 |
| Efficiency ratio | 164.4523% | 70 |
| Assets per employee ($millions) | 3.4567% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4075% | 230 |
| Loan loss allowance to noncurrent loans | 75.7409% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 5.1033% | 866 |
| Noncurrent loans to loans | 5.8192% | 716 |
| Net loans and leases to total assets | 67.6445% | 2,347 |
| Net loans and leases to deposits | 74.3086% | 3,237 |
| Net loans and leases to core deposits | 76.0672% | 3,719 |
| Total domestic deposits to total assets | 91.0320% | 403 |
| Equity capital to assets | 8.3470% | 6,387 |
| Core capital (leverage) ratio | 7.8920% | 6,405 |
| Tier 1 risk-based capital ratio | 11.2308% | 6,386 |
| Total risk-based capital ratio | 12.5255% | 6,335 |
| Memoranda: | ||
| Average total assets | $124,626,750 | 4,299 |
| Average earning assets | $112,807,250 | 4,323 |
| Average equity | $10,711,750 | 4,867 |
| Average total loans | $84,478,500 | 3,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 2,826 |
| Cost of funding earning assets | 0.6414% | 4,518 |
| Net interest margin | 4.0831% | 2,152 |
| Noninterest income to average assets | -0.2691% | 7,148 |
| Noninterest expense to average assets | 5.6490% | 250 |
| Loan and lease loss provision to assets | 2.1810% | 120 |
| Net operating income to assets | -4.4177% | 7,203 |
| Return on assets (ROA) | -4.4177% | 7,203 |
| Pretax return on assets | -4.4162% | 7,203 |
| Return on Equity (ROE) | -50.9787% | 7,169 |
| Retained earnings to average equity (ytd only) | -50.9787% | 7,164 |
| Net charge-offs to loans | 4.8760% | 69 |
| Credit loss provision to net charge-offs | 66.8246% | 3,642 |
| Earnings coverage of net charge-offs (x) | -0.6848% | 5,266 |
| Efficiency ratio | 165.4735% | 72 |
| Assets per employee ($millions) | 3.3589% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2360% | 293 |
| Loan loss allowance to noncurrent loans | 64.9606% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 8.8618% | 351 |
| Noncurrent loans to loans | 6.5209% | 646 |
| Net loans and leases to total assets | 63.4590% | 3,153 |
| Net loans and leases to deposits | 69.7877% | 3,932 |
| Net loans and leases to core deposits | 71.8795% | 4,309 |
| Total domestic deposits to total assets | 90.9315% | 470 |
| Equity capital to assets | 8.3727% | 6,324 |
| Core capital (leverage) ratio | 7.7420% | 6,490 |
| Tier 1 risk-based capital ratio | 11.4664% | 6,236 |
| Total risk-based capital ratio | 12.7531% | 6,193 |
| Memoranda: | ||
| Average total assets | $129,297,330 | 4,226 |
| Average earning assets | $116,628,330 | 4,253 |
| Average equity | $11,204,670 | 4,772 |
| Average total loans | $86,546,330 | 3,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 3,481 |
| Cost of funding earning assets | 0.7234% | 4,086 |
| Net interest margin | 3.8811% | 3,002 |
| Noninterest income to average assets | 0.2752% | 5,669 |
| Noninterest expense to average assets | 6.3981% | 177 |
| Loan and lease loss provision to assets | 1.9768% | 143 |
| Net operating income to assets | -4.5751% | 7,266 |
| Return on assets (ROA) | -4.5751% | 7,265 |
| Pretax return on assets | -4.5751% | 7,263 |
| Return on Equity (ROE) | -52.0298% | 7,230 |
| Retained earnings to average equity (ytd only) | -52.0298% | 7,220 |
| Net charge-offs to loans | 4.8554% | 99 |
| Credit loss provision to net charge-offs | 60.5621% | 3,101 |
| Earnings coverage of net charge-offs (x) | -0.7960% | 4,542 |
| Efficiency ratio | 168.3801% | 71 |
| Assets per employee ($millions) | 3.6856% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0464% | 355 |
| Loan loss allowance to noncurrent loans | 33.3209% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 10.1461% | 289 |
| Noncurrent loans to loans | 12.1437% | 199 |
| Net loans and leases to total assets | 63.7152% | 2,907 |
| Net loans and leases to deposits | 70.2551% | 3,700 |
| Net loans and leases to core deposits | 74.0010% | 3,903 |
| Total domestic deposits to total assets | 90.6912% | 691 |
| Equity capital to assets | 8.3848% | 6,189 |
| Core capital (leverage) ratio | 7.9926% | 6,269 |
| Tier 1 risk-based capital ratio | 11.6871% | 6,172 |
| Total risk-based capital ratio | 12.9705% | 6,128 |
| Memoranda: | ||
| Average total assets | $135,165,500 | 4,122 |
| Average earning assets | $122,749,000 | 4,140 |
| Average equity | $11,885,500 | 4,635 |
| Average total loans | $90,868,000 | 3,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 2,610 |
| Cost of funding earning assets | 0.8536% | 4,444 |
| Net interest margin | 4.2058% | 2,037 |
| Noninterest income to average assets | 0.0642% | 6,773 |
| Noninterest expense to average assets | 4.4128% | 639 |
| Loan and lease loss provision to assets | 1.6440% | 424 |
| Net operating income to assets | -2.2064% | 7,060 |
| Return on assets (ROA) | -2.0496% | 7,046 |
| Pretax return on assets | -2.0489% | 7,037 |
| Return on Equity (ROE) | -21.3922% | 7,001 |
| Retained earnings to average equity (ytd only) | -21.3922% | 6,987 |
| Net charge-offs to loans | 2.5452% | 455 |
| Credit loss provision to net charge-offs | 93.2873% | 3,864 |
| Earnings coverage of net charge-offs (x) | -0.3188% | 6,014 |
| Efficiency ratio | 114.5866% | 359 |
| Assets per employee ($millions) | 3.9329% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2720% | 301 |
| Loan loss allowance to noncurrent loans | 34.9253% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 10.9553% | 270 |
| Noncurrent loans to loans | 12.2318% | 210 |
| Net loans and leases to total assets | 65.1166% | 2,953 |
| Net loans and leases to deposits | 72.2818% | 3,758 |
| Net loans and leases to core deposits | 77.7592% | 3,710 |
| Total domestic deposits to total assets | 90.0872% | 946 |
| Equity capital to assets | 9.1871% | 5,312 |
| Core capital (leverage) ratio | 8.8539% | 5,015 |
| Tier 1 risk-based capital ratio | 12.2724% | 5,629 |
| Total risk-based capital ratio | 13.5605% | 5,581 |
| Memoranda: | ||
| Average total assets | $147,934,600 | 3,836 |
| Average earning assets | $133,198,000 | 3,866 |
| Average equity | $14,173,400 | 4,076 |
| Average total loans | $102,427,800 | 3,561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 2,589 |
| Cost of funding earning assets | 0.8845% | 4,511 |
| Net interest margin | 4.2192% | 2,024 |
| Noninterest income to average assets | 0.1355% | 6,576 |
| Noninterest expense to average assets | 4.3311% | 693 |
| Loan and lease loss provision to assets | 1.4369% | 496 |
| Net operating income to assets | -1.8462% | 7,109 |
| Return on assets (ROA) | -1.8462% | 7,121 |
| Pretax return on assets | -1.8462% | 7,093 |
| Return on Equity (ROE) | -19.0900% | 7,087 |
| Retained earnings to average equity (ytd only) | -19.0900% | 7,070 |
| Net charge-offs to loans | 2.2377% | 545 |
| Credit loss provision to net charge-offs | 92.3690% | 3,693 |
| Earnings coverage of net charge-offs (x) | -0.2631% | 5,747 |
| Efficiency ratio | 110.4360% | 421 |
| Assets per employee ($millions) | 3.9238% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0230% | 384 |
| Loan loss allowance to noncurrent loans | 22.6070% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 15.8159% | 112 |
| Noncurrent loans to loans | 17.7955% | 82 |
| Net loans and leases to total assets | 68.2487% | 2,432 |
| Net loans and leases to deposits | 76.1381% | 3,307 |
| Net loans and leases to core deposits | 82.6873% | 3,231 |
| Total domestic deposits to total assets | 89.6380% | 1,074 |
| Equity capital to assets | 9.6746% | 4,816 |
| Core capital (leverage) ratio | 9.1546% | 4,700 |
| Tier 1 risk-based capital ratio | 12.5002% | 5,484 |
| Total risk-based capital ratio | 13.7825% | 5,449 |
| Memoranda: | ||
| Average total assets | $150,505,750 | 3,815 |
| Average earning assets | $135,061,250 | 3,860 |
| Average equity | $14,555,250 | 4,020 |
| Average total loans | $104,626,500 | 3,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 2,538 |
| Cost of funding earning assets | 0.9207% | 4,516 |
| Net interest margin | 4.2118% | 1,988 |
| Noninterest income to average assets | 0.3047% | 5,459 |
| Noninterest expense to average assets | 4.1709% | 854 |
| Loan and lease loss provision to assets | 1.7176% | 392 |
| Net operating income to assets | -1.8191% | 7,166 |
| Return on assets (ROA) | -1.8191% | 7,171 |
| Pretax return on assets | -1.8191% | 7,134 |
| Return on Equity (ROE) | -18.8127% | 7,140 |
| Retained earnings to average equity (ytd only) | -18.8127% | 7,123 |
| Net charge-offs to loans | 2.0638% | 640 |
| Credit loss provision to net charge-offs | 120.5667% | 2,531 |
| Earnings coverage of net charge-offs (x) | -0.0713% | 5,323 |
| Efficiency ratio | 102.4960% | 647 |
| Assets per employee ($millions) | 4.1931% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2939% | 340 |
| Loan loss allowance to noncurrent loans | 29.7297% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 13.3574% | 197 |
| Noncurrent loans to loans | 14.4430% | 150 |
| Net loans and leases to total assets | 66.8257% | 2,855 |
| Net loans and leases to deposits | 74.6447% | 3,700 |
| Net loans and leases to core deposits | 80.8261% | 3,672 |
| Total domestic deposits to total assets | 89.5249% | 1,226 |
| Equity capital to assets | 9.7507% | 4,461 |
| Core capital (leverage) ratio | 9.2980% | 4,257 |
| Tier 1 risk-based capital ratio | 12.6718% | 5,201 |
| Total risk-based capital ratio | 13.9565% | 5,141 |
| Memoranda: | ||
| Average total assets | $153,588,670 | 3,788 |
| Average earning assets | $137,280,000 | 3,833 |
| Average equity | $14,851,670 | 3,935 |
| Average total loans | $106,019,670 | 3,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 1,991 |
| Cost of funding earning assets | 0.9769% | 4,379 |
| Net interest margin | 4.2888% | 1,591 |
| Noninterest income to average assets | 0.2548% | 5,861 |
| Noninterest expense to average assets | 4.2470% | 774 |
| Loan and lease loss provision to assets | 2.3694% | 219 |
| Net operating income to assets | -2.5477% | 7,347 |
| Return on assets (ROA) | -2.5477% | 7,347 |
| Pretax return on assets | -2.5477% | 7,332 |
| Return on Equity (ROE) | -26.4507% | 7,295 |
| Retained earnings to average equity (ytd only) | -26.4507% | 7,259 |
| Net charge-offs to loans | 2.2450% | 539 |
| Credit loss provision to net charge-offs | 153.7190% | 1,866 |
| Earnings coverage of net charge-offs (x) | -0.1157% | 4,650 |
| Efficiency ratio | 104.3832% | 614 |
| Assets per employee ($millions) | 4.3113% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1931% | 370 |
| Loan loss allowance to noncurrent loans | 26.3636% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 14.9181% | 159 |
| Noncurrent loans to loans | 15.9048% | 126 |
| Net loans and leases to total assets | 66.2470% | 2,947 |
| Net loans and leases to deposits | 73.7500% | 3,795 |
| Net loans and leases to core deposits | 82.6800% | 3,353 |
| Total domestic deposits to total assets | 89.8265% | 1,258 |
| Equity capital to assets | 9.4119% | 4,552 |
| Core capital (leverage) ratio | 9.1175% | 4,421 |
| Tier 1 risk-based capital ratio | 12.3099% | 5,429 |
| Total risk-based capital ratio | 13.5930% | 5,400 |
| Memoranda: | ||
| Average total assets | $157,004,000 | 3,759 |
| Average earning assets | $139,619,000 | 3,829 |
| Average equity | $15,122,500 | 3,879 |
| Average total loans | $107,793,500 | 3,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 2,946 |
| Cost of funding earning assets | 1.2379% | 4,304 |
| Net interest margin | 4.0994% | 2,560 |
| Noninterest income to average assets | -0.8888% | 7,618 |
| Noninterest expense to average assets | 5.0857% | 392 |
| Loan and lease loss provision to assets | 1.8364% | 749 |
| Net operating income to assets | -4.1581% | 7,457 |
| Return on assets (ROA) | -4.0792% | 7,458 |
| Pretax return on assets | -4.0792% | 7,447 |
| Return on Equity (ROE) | -46.9371% | 7,402 |
| Retained earnings to average equity (ytd only) | -46.9371% | 7,398 |
| Net charge-offs to loans | 2.8176% | 622 |
| Credit loss provision to net charge-offs | 94.9756% | 4,894 |
| Earnings coverage of net charge-offs (x) | -1.2007% | 6,641 |
| Efficiency ratio | 183.9928% | 111 |
| Assets per employee ($millions) | 3.9700% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8562% | 448 |
| Loan loss allowance to noncurrent loans | 36.3201% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 14.4432% | 185 |
| Noncurrent loans to loans | 10.6173% | 377 |
| Net loans and leases to total assets | 65.5487% | 3,554 |
| Net loans and leases to deposits | 75.9640% | 3,846 |
| Net loans and leases to core deposits | 85.4635% | 3,401 |
| Total domestic deposits to total assets | 86.2891% | 3,207 |
| Equity capital to assets | 9.8469% | 3,941 |
| Core capital (leverage) ratio | 9.2861% | 4,029 |
| Tier 1 risk-based capital ratio | 12.4349% | 5,077 |
| Total risk-based capital ratio | 13.7126% | 5,041 |
| Memoranda: | ||
| Average total assets | $180,131,600 | 3,375 |
| Average earning assets | $160,510,800 | 3,438 |
| Average equity | $15,655,000 | 3,830 |
| Average total loans | $123,617,200 | 3,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3233% | 3,239 |
| Cost of funding earning assets | 1.2888% | 4,300 |
| Net interest margin | 4.0345% | 2,936 |
| Noninterest income to average assets | -0.0647% | 7,511 |
| Noninterest expense to average assets | 4.8490% | 426 |
| Loan and lease loss provision to assets | 2.0920% | 553 |
| Net operating income to assets | -3.3961% | 7,502 |
| Return on assets (ROA) | -3.2947% | 7,502 |
| Pretax return on assets | -3.2947% | 7,471 |
| Return on Equity (ROE) | -39.0211% | 7,482 |
| Retained earnings to average equity (ytd only) | -39.0211% | 7,479 |
| Net charge-offs to loans | 3.0546% | 496 |
| Credit loss provision to net charge-offs | 99.6575% | 4,381 |
| Earnings coverage of net charge-offs (x) | -0.6212% | 6,368 |
| Efficiency ratio | 136.7877% | 265 |
| Assets per employee ($millions) | 3.6547% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7042% | 467 |
| Loan loss allowance to noncurrent loans | 39.5012% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 12.5021% | 243 |
| Noncurrent loans to loans | 9.3775% | 486 |
| Net loans and leases to total assets | 65.6822% | 3,756 |
| Net loans and leases to deposits | 76.8916% | 4,027 |
| Net loans and leases to core deposits | 88.1974% | 3,342 |
| Total domestic deposits to total assets | 85.4219% | 3,400 |
| Equity capital to assets | 10.7940% | 3,172 |
| Core capital (leverage) ratio | 10.2784% | 2,942 |
| Tier 1 risk-based capital ratio | 13.7329% | 4,032 |
| Total risk-based capital ratio | 15.0100% | 3,971 |
| Memoranda: | ||
| Average total assets | $185,464,250 | 3,338 |
| Average earning assets | $165,933,000 | 3,390 |
| Average equity | $15,659,500 | 3,866 |
| Average total loans | $127,454,750 | 3,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 3,383 |
| Cost of funding earning assets | 1.4035% | 3,856 |
| Net interest margin | 3.9135% | 3,384 |
| Noninterest income to average assets | -0.1579% | 7,665 |
| Noninterest expense to average assets | 4.7214% | 466 |
| Loan and lease loss provision to assets | 2.5312% | 442 |
| Net operating income to assets | -3.9005% | 7,611 |
| Return on assets (ROA) | -3.7521% | 7,606 |
| Pretax return on assets | -3.7521% | 7,574 |
| Return on Equity (ROE) | -48.5067% | 7,600 |
| Retained earnings to average equity (ytd only) | -48.5067% | 7,595 |
| Net charge-offs to loans | 3.4977% | 421 |
| Credit loss provision to net charge-offs | 105.0677% | 3,879 |
| Earnings coverage of net charge-offs (x) | -0.5684% | 6,034 |
| Efficiency ratio | 140.8477% | 251 |
| Assets per employee ($millions) | 3.7968% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6074% | 509 |
| Loan loss allowance to noncurrent loans | 33.7847% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 12.1350% | 262 |
| Noncurrent loans to loans | 10.6777% | 390 |
| Net loans and leases to total assets | 64.1439% | 4,238 |
| Net loans and leases to deposits | 72.2864% | 4,953 |
| Net loans and leases to core deposits | 86.2327% | 3,799 |
| Total domestic deposits to total assets | 88.7358% | 1,582 |
| Equity capital to assets | 6.7222% | 7,432 |
| Core capital (leverage) ratio | 6.3658% | 7,414 |
| Tier 1 risk-based capital ratio | 8.8796% | 7,438 |
| Total risk-based capital ratio | 10.1556% | 7,445 |
| Memoranda: | ||
| Average total assets | $190,028,670 | 3,301 |
| Average earning assets | $170,434,330 | 3,334 |
| Average equity | $14,699,000 | 4,051 |
| Average total loans | $130,885,330 | 3,182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 3,319 |
| Cost of funding earning assets | 1.4309% | 3,986 |
| Net interest margin | 3.9134% | 3,268 |
| Noninterest income to average assets | 0.1437% | 6,947 |
| Noninterest expense to average assets | 4.2224% | 784 |
| Loan and lease loss provision to assets | 0.4916% | 2,535 |
| Net operating income to assets | -1.0665% | 7,147 |
| Return on assets (ROA) | -1.0665% | 7,165 |
| Pretax return on assets | -1.0665% | 7,083 |
| Return on Equity (ROE) | -12.9657% | 7,253 |
| Retained earnings to average equity (ytd only) | -12.9657% | 7,115 |
| Net charge-offs to loans | 1.2676% | 1,344 |
| Credit loss provision to net charge-offs | 55.3991% | 4,396 |
| Earnings coverage of net charge-offs (x) | -0.6479% | 5,327 |
| Efficiency ratio | 115.7624% | 500 |
| Assets per employee ($millions) | 3.7312% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 722 |
| Loan loss allowance to noncurrent loans | 27.9045% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 12.3515% | 240 |
| Noncurrent loans to loans | 11.3167% | 336 |
| Net loans and leases to total assets | 68.3819% | 3,297 |
| Net loans and leases to deposits | 80.3697% | 3,584 |
| Net loans and leases to core deposits | 98.8639% | 2,252 |
| Total domestic deposits to total assets | 85.0842% | 3,628 |
| Equity capital to assets | 8.3415% | 6,243 |
| Core capital (leverage) ratio | 8.1759% | 5,948 |
| Tier 1 risk-based capital ratio | 10.4665% | 6,660 |
| Total risk-based capital ratio | 11.7375% | 6,636 |
| Memoranda: | ||
| Average total assets | $192,022,500 | 3,338 |
| Average earning assets | $171,922,500 | 3,371 |
| Average equity | $15,795,500 | 3,868 |
| Average total loans | $134,428,000 | 3,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 3,051 |
| Cost of funding earning assets | 2.0323% | 2,807 |
| Net interest margin | 3.6775% | 4,230 |
| Noninterest income to average assets | -0.1698% | 7,844 |
| Noninterest expense to average assets | 3.9357% | 1,461 |
| Loan and lease loss provision to assets | 4.1758% | 301 |
| Net operating income to assets | -4.4700% | 7,677 |
| Return on assets (ROA) | -4.3075% | 7,649 |
| Pretax return on assets | -4.7560% | 7,669 |
| Return on Equity (ROE) | -46.9435% | 7,653 |
| Retained earnings to average equity (ytd only) | -46.9435% | 7,641 |
| Net charge-offs to loans | 4.9535% | 270 |
| Credit loss provision to net charge-offs | 116.1812% | 4,674 |
| Earnings coverage of net charge-offs (x) | -0.2111% | 6,461 |
| Efficiency ratio | 123.8869% | 546 |
| Assets per employee ($millions) | 3.7261% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1724% | 668 |
| Loan loss allowance to noncurrent loans | 31.8565% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 10.4201% | 340 |
| Noncurrent loans to loans | 9.9583% | 416 |
| Net loans and leases to total assets | 67.2318% | 3,873 |
| Net loans and leases to deposits | 80.1105% | 3,967 |
| Net loans and leases to core deposits | 110.6341% | 2,828 |
| Total domestic deposits to total assets | 83.9238% | 4,055 |
| Equity capital to assets | 8.1166% | 6,442 |
| Core capital (leverage) ratio | 7.7262% | 6,529 |
| Tier 1 risk-based capital ratio | 10.4267% | 6,468 |
| Total risk-based capital ratio | 11.6981% | 6,420 |
| Memoranda: | ||
| Average total assets | $214,929,600 | 3,018 |
| Average earning assets | $195,593,000 | 3,025 |
| Average equity | $19,721,600 | 3,245 |
| Average total loans | $155,950,400 | 2,832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7979% | 2,907 |
| Cost of funding earning assets | 2.1610% | 2,593 |
| Net interest margin | 3.6369% | 4,339 |
| Noninterest income to average assets | 0.6159% | 3,581 |
| Noninterest expense to average assets | 3.8675% | 1,480 |
| Loan and lease loss provision to assets | 4.6427% | 206 |
| Net operating income to assets | -4.5801% | 7,801 |
| Return on assets (ROA) | -4.4628% | 7,795 |
| Pretax return on assets | -4.4628% | 7,748 |
| Return on Equity (ROE) | -47.4039% | 7,811 |
| Retained earnings to average equity (ytd only) | -47.4039% | 7,807 |
| Net charge-offs to loans | 4.4947% | 282 |
| Credit loss provision to net charge-offs | 140.9897% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.0190% | 6,037 |
| Efficiency ratio | 98.4066% | 1,145 |
| Assets per employee ($millions) | 3.8177% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5883% | 384 |
| Loan loss allowance to noncurrent loans | 35.4454% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 11.1725% | 273 |
| Noncurrent loans to loans | 10.1234% | 389 |
| Net loans and leases to total assets | 69.3352% | 3,648 |
| Net loans and leases to deposits | 82.8892% | 3,853 |
| Net loans and leases to core deposits | 113.3455% | 2,895 |
| Total domestic deposits to total assets | 83.6480% | 3,883 |
| Equity capital to assets | 8.7365% | 5,900 |
| Core capital (leverage) ratio | 8.1480% | 6,105 |
| Tier 1 risk-based capital ratio | 10.5979% | 6,346 |
| Total risk-based capital ratio | 11.8739% | 6,301 |
| Memoranda: | ||
| Average total assets | $219,291,000 | 2,970 |
| Average earning assets | $199,836,500 | 2,987 |
| Average equity | $20,644,750 | 3,149 |
| Average total loans | $160,657,500 | 2,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 3,052 |
| Cost of funding earning assets | 2.2946% | 2,375 |
| Net interest margin | 3.5036% | 4,779 |
| Noninterest income to average assets | 0.3809% | 5,459 |
| Noninterest expense to average assets | 3.9237% | 1,440 |
| Loan and lease loss provision to assets | 6.6026% | 109 |
| Net operating income to assets | -6.9451% | 8,048 |
| Return on assets (ROA) | -6.8387% | 8,036 |
| Pretax return on assets | -6.8387% | 8,016 |
| Return on Equity (ROE) | -71.0692% | 8,021 |
| Retained earnings to average equity (ytd only) | -71.0692% | 8,017 |
| Net charge-offs to loans | 6.1581% | 169 |
| Credit loss provision to net charge-offs | 145.5262% | 3,180 |
| Earnings coverage of net charge-offs (x) | -0.0755% | 5,777 |
| Efficiency ratio | 109.5630% | 861 |
| Assets per employee ($millions) | 3.7920% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4624% | 390 |
| Loan loss allowance to noncurrent loans | 45.8280% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 9.2106% | 362 |
| Noncurrent loans to loans | 7.5553% | 612 |
| Net loans and leases to total assets | 69.7865% | 3,757 |
| Net loans and leases to deposits | 82.6840% | 4,104 |
| Net loans and leases to core deposits | 113.7070% | 2,943 |
| Total domestic deposits to total assets | 84.4015% | 3,557 |
| Equity capital to assets | 8.1613% | 6,547 |
| Core capital (leverage) ratio | 7.6142% | 6,879 |
| Tier 1 risk-based capital ratio | 9.6454% | 7,279 |
| Total risk-based capital ratio | 10.9193% | 7,200 |
| Memoranda: | ||
| Average total assets | $223,668,670 | 2,929 |
| Average earning assets | $204,306,330 | 2,947 |
| Average equity | $21,522,670 | 3,027 |
| Average total loans | $164,790,000 | 2,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8129% | 3,236 |
| Cost of funding earning assets | 2.3665% | 2,431 |
| Net interest margin | 3.4465% | 4,955 |
| Noninterest income to average assets | 0.5259% | 4,091 |
| Noninterest expense to average assets | 3.7919% | 1,487 |
| Loan and lease loss provision to assets | 4.1648% | 224 |
| Net operating income to assets | -4.2597% | 8,002 |
| Return on assets (ROA) | -4.2175% | 7,993 |
| Pretax return on assets | -4.2175% | 7,930 |
| Return on Equity (ROE) | -40.8796% | 8,001 |
| Retained earnings to average equity (ytd only) | -40.8796% | 7,979 |
| Net charge-offs to loans | 4.6563% | 239 |
| Credit loss provision to net charge-offs | 120.3252% | 3,269 |
| Earnings coverage of net charge-offs (x) | -0.0274% | 5,004 |
| Efficiency ratio | 102.5690% | 1,033 |
| Assets per employee ($millions) | 4.1922% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0782% | 1,274 |
| Loan loss allowance to noncurrent loans | 38.2347% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 6.7294% | 529 |
| Noncurrent loans to loans | 5.4354% | 958 |
| Net loans and leases to total assets | 70.2469% | 3,618 |
| Net loans and leases to deposits | 87.3572% | 3,409 |
| Net loans and leases to core deposits | 122.4817% | 2,213 |
| Total domestic deposits to total assets | 80.4134% | 5,202 |
| Equity capital to assets | 9.5471% | 4,610 |
| Core capital (leverage) ratio | 9.4175% | 4,083 |
| Tier 1 risk-based capital ratio | 11.2709% | 5,626 |
| Total risk-based capital ratio | 12.5300% | 5,530 |
| Memoranda: | ||
| Average total assets | $227,432,000 | 2,900 |
| Average earning assets | $209,257,500 | 2,890 |
| Average equity | $23,464,000 | 2,824 |
| Average total loans | $169,061,000 | 2,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0352% | 1,042 |
| Cost of funding earning assets | 2.6279% | 3,541 |
| Net interest margin | 4.4073% | 1,667 |
| Noninterest income to average assets | 0.4523% | 5,020 |
| Noninterest expense to average assets | 3.6100% | 2,120 |
| Loan and lease loss provision to assets | 2.1244% | 544 |
| Net operating income to assets | -0.6518% | 7,040 |
| Return on assets (ROA) | -0.6480% | 6,929 |
| Pretax return on assets | -1.1586% | 7,094 |
| Return on Equity (ROE) | -5.4277% | 6,905 |
| Retained earnings to average equity (ytd only) | -5.4277% | 6,573 |
| Net charge-offs to loans | 2.1495% | 490 |
| Credit loss provision to net charge-offs | 127.4771% | 4,181 |
| Earnings coverage of net charge-offs (x) | 0.5759% | 5,877 |
| Efficiency ratio | 78.9980% | 2,751 |
| Assets per employee ($millions) | 3.6684% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 1,569 |
| Loan loss allowance to noncurrent loans | 34.4483% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 4.6488% | 789 |
| Noncurrent loans to loans | 5.3026% | 796 |
| Net loans and leases to total assets | 75.6963% | 2,709 |
| Net loans and leases to deposits | 96.8167% | 2,312 |
| Net loans and leases to core deposits | 126.1970% | 2,151 |
| Total domestic deposits to total assets | 78.1851% | 5,648 |
| Equity capital to assets | 11.1380% | 2,937 |
| Core capital (leverage) ratio | 10.5639% | 2,926 |
| Tier 1 risk-based capital ratio | 12.8299% | 4,198 |
| Total risk-based capital ratio | 14.0853% | 4,124 |
| Memoranda: | ||
| Average total assets | $216,206,800 | 2,921 |
| Average earning assets | $201,984,600 | 2,874 |
| Average equity | $25,812,200 | 2,576 |
| Average total loans | $167,618,200 | 2,650 |