Home > Montgomery Bank & Trust > Performance and Condition Ratios
Montgomery Bank & Trust, 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 | 4.9534% | 1,921 |
| Cost of funding earning assets | 2.1584% | 22 |
| Net interest margin | 2.7950% | 6,588 |
| Noninterest income to average assets | -2.7451% | 7,239 |
| Noninterest expense to average assets | 24.4006% | 30 |
| Loan and lease loss provision to assets | 3.7113% | 35 |
| Net operating income to assets | -28.6816% | 7,244 |
| Return on assets (ROA) | -28.9671% | 7,244 |
| Pretax return on assets | -28.9671% | 7,244 |
| Return on Equity (ROE) | 1,585.2163% | 1 |
| Retained earnings to average equity (ytd only) | 1,585.2163% | 1 |
| Net charge-offs to loans | 6.7760% | 26 |
| Credit loss provision to net charge-offs | 87.7301% | 3,113 |
| Earnings coverage of net charge-offs (x) | -5.9027% | 5,451 |
| Efficiency ratio | -4,282.4017% | 7,245 |
| Assets per employee ($millions) | 3.6478% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6979% | 1,038 |
| Loan loss allowance to noncurrent loans | 22.4240% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 23.8506% | 16 |
| Noncurrent loans to loans | 12.0312% | 170 |
| Net loans and leases to total assets | 63.3714% | 3,172 |
| Net loans and leases to deposits | 59.1360% | 5,321 |
| Net loans and leases to core deposits | 64.6280% | 5,140 |
| Total domestic deposits to total assets | 107.1622% | 1 |
| Equity capital to assets | -10.9048% | 7,245 |
| Core capital (leverage) ratio | -9.7884% | 7,245 |
| Tier 1 risk-based capital ratio | -14.3390% | 7,245 |
| Total risk-based capital ratio | -14.3390% | 7,245 |
| Memoranda: | ||
| Average total assets | $169,537,000 | 3,502 |
| Average earning assets | $131,950,670 | 3,920 |
| Average equity | $-3,098,000 | 7,245 |
| Average total loans | $105,844,330 | 3,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 1,884 |
| Cost of funding earning assets | 2.1708% | 25 |
| Net interest margin | 2.8295% | 6,588 |
| Noninterest income to average assets | -5.9065% | 7,308 |
| Noninterest expense to average assets | 4.0112% | 924 |
| Loan and lease loss provision to assets | 1.0535% | 386 |
| Net operating income to assets | -8.7473% | 7,296 |
| Return on assets (ROA) | -8.7563% | 7,298 |
| Pretax return on assets | -8.7563% | 7,297 |
| Return on Equity (ROE) | -419.8030% | 7,303 |
| Retained earnings to average equity (ytd only) | -419.8030% | 7,303 |
| Net charge-offs to loans | 9.7690% | 21 |
| Credit loss provision to net charge-offs | 17.6006% | 3,812 |
| Earnings coverage of net charge-offs (x) | -1.2854% | 4,573 |
| Efficiency ratio | -108.9242% | 7,299 |
| Assets per employee ($millions) | 3.8586% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,523 |
| Loan loss allowance to noncurrent loans | 6.2700% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 22.7932% | 27 |
| Noncurrent loans to loans | 14.4252% | 133 |
| Net loans and leases to total assets | 59.3135% | 3,804 |
| Net loans and leases to deposits | 62.6370% | 4,818 |
| Net loans and leases to core deposits | 72.6513% | 4,062 |
| Total domestic deposits to total assets | 94.6940% | 68 |
| Equity capital to assets | 2.0837% | 7,277 |
| Core capital (leverage) ratio | 2.0357% | 7,281 |
| Tier 1 risk-based capital ratio | 2.8935% | 7,278 |
| Total risk-based capital ratio | 3.6507% | 7,293 |
| Memoranda: | ||
| Average total assets | $177,701,500 | 3,414 |
| Average earning assets | $139,671,000 | 3,823 |
| Average equity | $3,706,500 | 6,796 |
| Average total loans | $108,875,500 | 3,380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 4,879 |
| Cost of funding earning assets | 2.4113% | 31 |
| Net interest margin | 2.1370% | 7,196 |
| Noninterest income to average assets | -1.5408% | 7,341 |
| Noninterest expense to average assets | 4.0412% | 978 |
| Loan and lease loss provision to assets | 3.1178% | 115 |
| Net operating income to assets | -6.9541% | 7,335 |
| Return on assets (ROA) | -6.8066% | 7,333 |
| Pretax return on assets | -6.8066% | 7,335 |
| Return on Equity (ROE) | -156.4841% | 7,339 |
| Retained earnings to average equity (ytd only) | -156.4841% | 7,339 |
| Net charge-offs to loans | 5.1632% | 74 |
| Credit loss provision to net charge-offs | 100.8575% | 3,454 |
| Earnings coverage of net charge-offs (x) | -1.2410% | 6,225 |
| Efficiency ratio | 1,972.9412% | 2 |
| Assets per employee ($millions) | 3.9515% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7508% | 1,034 |
| Loan loss allowance to noncurrent loans | 16.7129% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 24.3464% | 24 |
| Noncurrent loans to loans | 16.4590% | 101 |
| Net loans and leases to total assets | 60.8969% | 3,809 |
| Net loans and leases to deposits | 64.2872% | 4,973 |
| Net loans and leases to core deposits | 74.4927% | 4,178 |
| Total domestic deposits to total assets | 94.7262% | 70 |
| Equity capital to assets | 2.0878% | 7,320 |
| Core capital (leverage) ratio | 2.0517% | 7,322 |
| Tier 1 risk-based capital ratio | 2.6446% | 7,326 |
| Total risk-based capital ratio | 3.9059% | 7,328 |
| Memoranda: | ||
| Average total assets | $207,488,400 | 2,975 |
| Average earning assets | $169,493,200 | 3,258 |
| Average equity | $9,025,200 | 5,268 |
| Average total loans | $124,224,600 | 3,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 4,666 |
| Cost of funding earning assets | 2.4349% | 33 |
| Net interest margin | 2.2181% | 7,252 |
| Noninterest income to average assets | -2.0256% | 7,427 |
| Noninterest expense to average assets | 4.0095% | 993 |
| Loan and lease loss provision to assets | 3.3171% | 88 |
| Net operating income to assets | -7.5279% | 7,415 |
| Return on assets (ROA) | -7.4774% | 7,416 |
| Pretax return on assets | -7.4774% | 7,416 |
| Return on Equity (ROE) | -154.8049% | 7,414 |
| Retained earnings to average equity (ytd only) | -154.8049% | 7,414 |
| Net charge-offs to loans | 5.5540% | 72 |
| Credit loss provision to net charge-offs | 100.7382% | 3,338 |
| Earnings coverage of net charge-offs (x) | -1.2788% | 5,963 |
| Efficiency ratio | -1,991.6409% | 7,434 |
| Assets per employee ($millions) | 4.5877% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 1,371 |
| Loan loss allowance to noncurrent loans | 18.1242% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 22.5572% | 32 |
| Noncurrent loans to loans | 13.8962% | 165 |
| Net loans and leases to total assets | 64.0985% | 3,290 |
| Net loans and leases to deposits | 67.9846% | 4,610 |
| Net loans and leases to core deposits | 78.9308% | 3,784 |
| Total domestic deposits to total assets | 94.2837% | 74 |
| Equity capital to assets | 2.6205% | 7,377 |
| Core capital (leverage) ratio | 2.3737% | 7,380 |
| Tier 1 risk-based capital ratio | 3.3304% | 7,385 |
| Total risk-based capital ratio | 4.5919% | 7,387 |
| Memoranda: | ||
| Average total assets | $213,918,500 | 2,913 |
| Average earning assets | $175,940,000 | 3,157 |
| Average equity | $10,332,750 | 4,950 |
| Average total loans | $126,825,250 | 3,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 5,824 |
| Cost of funding earning assets | 2.4129% | 43 |
| Net interest margin | 1.9476% | 7,380 |
| Noninterest income to average assets | -2.8967% | 7,508 |
| Noninterest expense to average assets | 3.8288% | 1,311 |
| Loan and lease loss provision to assets | 4.3141% | 63 |
| Net operating income to assets | -9.4218% | 7,497 |
| Return on assets (ROA) | -9.3912% | 7,497 |
| Pretax return on assets | -9.3912% | 7,499 |
| Return on Equity (ROE) | -172.2268% | 7,481 |
| Retained earnings to average equity (ytd only) | -172.2268% | 7,481 |
| Net charge-offs to loans | 6.9397% | 55 |
| Credit loss provision to net charge-offs | 108.1812% | 2,829 |
| Earnings coverage of net charge-offs (x) | -1.2808% | 5,667 |
| Efficiency ratio | -299.3675% | 7,509 |
| Assets per employee ($millions) | 3.5657% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7988% | 1,079 |
| Loan loss allowance to noncurrent loans | 19.7689% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 19.7341% | 65 |
| Noncurrent loans to loans | 14.1576% | 159 |
| Net loans and leases to total assets | 56.7719% | 4,857 |
| Net loans and leases to deposits | 60.2954% | 5,698 |
| Net loans and leases to core deposits | 68.4555% | 5,245 |
| Total domestic deposits to total assets | 94.1562% | 74 |
| Equity capital to assets | 3.0231% | 7,430 |
| Core capital (leverage) ratio | 2.8156% | 7,430 |
| Tier 1 risk-based capital ratio | 4.3999% | 7,422 |
| Total risk-based capital ratio | 5.6640% | 7,421 |
| Memoranda: | ||
| Average total assets | $222,526,330 | 2,832 |
| Average earning assets | $184,839,330 | 3,061 |
| Average equity | $12,134,000 | 4,522 |
| Average total loans | $127,873,330 | 3,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 6,204 |
| Cost of funding earning assets | 2.3711% | 53 |
| Net interest margin | 1.8596% | 7,442 |
| Noninterest income to average assets | -2.9431% | 7,568 |
| Noninterest expense to average assets | 3.0796% | 3,337 |
| Loan and lease loss provision to assets | 1.3998% | 473 |
| Net operating income to assets | -5.8705% | 7,504 |
| Return on assets (ROA) | -5.8110% | 7,504 |
| Pretax return on assets | -5.8110% | 7,500 |
| Return on Equity (ROE) | -88.4362% | 7,490 |
| Retained earnings to average equity (ytd only) | -88.4362% | 7,483 |
| Net charge-offs to loans | 2.5895% | 430 |
| Credit loss provision to net charge-offs | 94.7867% | 2,853 |
| Earnings coverage of net charge-offs (x) | -3.0273% | 4,988 |
| Efficiency ratio | -221.3836% | 7,568 |
| Assets per employee ($millions) | 3.9926% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3495% | 1,685 |
| Loan loss allowance to noncurrent loans | 9.6175% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 23.8219% | 33 |
| Noncurrent loans to loans | 24.4291% | 38 |
| Net loans and leases to total assets | 55.3745% | 5,097 |
| Net loans and leases to deposits | 60.4834% | 5,672 |
| Net loans and leases to core deposits | 68.3215% | 5,252 |
| Total domestic deposits to total assets | 91.5532% | 403 |
| Equity capital to assets | 5.8816% | 7,298 |
| Core capital (leverage) ratio | 5.8354% | 7,276 |
| Tier 1 risk-based capital ratio | 8.6733% | 7,248 |
| Total risk-based capital ratio | 9.9321% | 7,253 |
| Memoranda: | ||
| Average total assets | $228,601,000 | 2,783 |
| Average earning assets | $190,794,500 | 2,999 |
| Average equity | $15,021,000 | 3,899 |
| Average total loans | $130,373,000 | 3,057 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 4,592 |
| Cost of funding earning assets | 2.9717% | 27 |
| Net interest margin | 2.0220% | 7,451 |
| Noninterest income to average assets | 1.5098% | 637 |
| Noninterest expense to average assets | 3.9590% | 1,221 |
| Loan and lease loss provision to assets | 2.0576% | 628 |
| Net operating income to assets | -2.8606% | 7,266 |
| Return on assets (ROA) | -2.7717% | 7,261 |
| Pretax return on assets | -2.7717% | 7,237 |
| Return on Equity (ROE) | -77.0375% | 7,542 |
| Retained earnings to average equity (ytd only) | -77.0375% | 7,539 |
| Net charge-offs to loans | 2.4924% | 755 |
| Credit loss provision to net charge-offs | 133.4640% | 2,927 |
| Earnings coverage of net charge-offs (x) | -0.5209% | 6,466 |
| Efficiency ratio | 125.4446% | 352 |
| Assets per employee ($millions) | 4.2523% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 1,639 |
| Loan loss allowance to noncurrent loans | 9.0452% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 25.4052% | 24 |
| Noncurrent loans to loans | 25.8225% | 33 |
| Net loans and leases to total assets | 56.0124% | 5,345 |
| Net loans and leases to deposits | 62.2156% | 5,831 |
| Net loans and leases to core deposits | 69.0449% | 5,548 |
| Total domestic deposits to total assets | 90.0294% | 1,081 |
| Equity capital to assets | 7.2540% | 7,015 |
| Core capital (leverage) ratio | 7.8174% | 6,418 |
| Tier 1 risk-based capital ratio | 10.4100% | 6,754 |
| Total risk-based capital ratio | 11.6680% | 6,733 |
| Memoranda: | ||
| Average total assets | $231,627,000 | 2,731 |
| Average earning assets | $188,578,800 | 3,025 |
| Average equity | $8,333,600 | 5,606 |
| Average total loans | $143,273,600 | 2,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 3,661 |
| Cost of funding earning assets | 3.1216% | 22 |
| Net interest margin | 2.1134% | 7,544 |
| Noninterest income to average assets | 1.1631% | 1,030 |
| Noninterest expense to average assets | 3.8139% | 1,356 |
| Loan and lease loss provision to assets | 2.7375% | 354 |
| Net operating income to assets | -3.6749% | 7,540 |
| Return on assets (ROA) | -3.5566% | 7,538 |
| Pretax return on assets | -3.5566% | 7,507 |
| Return on Equity (ROE) | -132.0345% | 7,719 |
| Retained earnings to average equity (ytd only) | -132.0345% | 7,719 |
| Net charge-offs to loans | 2.8451% | 566 |
| Credit loss provision to net charge-offs | 152.8054% | 2,530 |
| Earnings coverage of net charge-offs (x) | -0.5232% | 6,332 |
| Efficiency ratio | 132.5879% | 280 |
| Assets per employee ($millions) | 3.5384% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5879% | 1,224 |
| Loan loss allowance to noncurrent loans | 10.0944% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 26.7071% | 14 |
| Noncurrent loans to loans | 25.6365% | 28 |
| Net loans and leases to total assets | 60.5347% | 4,809 |
| Net loans and leases to deposits | 63.1769% | 6,009 |
| Net loans and leases to core deposits | 72.8247% | 5,420 |
| Total domestic deposits to total assets | 95.8178% | 27 |
| Equity capital to assets | 1.3415% | 7,736 |
| Core capital (leverage) ratio | 1.3178% | 7,729 |
| Tier 1 risk-based capital ratio | 1.8237% | 7,731 |
| Total risk-based capital ratio | 3.0852% | 7,731 |
| Memoranda: | ||
| Average total assets | $232,127,250 | 2,757 |
| Average earning assets | $188,188,500 | 3,067 |
| Average equity | $6,252,750 | 6,376 |
| Average total loans | $146,168,250 | 2,868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 1,986 |
| Cost of funding earning assets | 3.1703% | 26 |
| Net interest margin | 2.4689% | 7,434 |
| Noninterest income to average assets | 1.3216% | 728 |
| Noninterest expense to average assets | 3.8388% | 1,289 |
| Loan and lease loss provision to assets | 3.9784% | 194 |
| Net operating income to assets | -4.4971% | 7,661 |
| Return on assets (ROA) | -4.4607% | 7,664 |
| Pretax return on assets | -4.4607% | 7,645 |
| Return on Equity (ROE) | -143.3388% | 7,775 |
| Retained earnings to average equity (ytd only) | -143.3388% | 7,775 |
| Net charge-offs to loans | 3.6722% | 382 |
| Credit loss provision to net charge-offs | 171.3557% | 2,284 |
| Earnings coverage of net charge-offs (x) | -0.2234% | 5,884 |
| Efficiency ratio | 115.6218% | 471 |
| Assets per employee ($millions) | 3.5583% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7132% | 1,079 |
| Loan loss allowance to noncurrent loans | 15.0999% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 21.1628% | 43 |
| Noncurrent loans to loans | 17.9684% | 108 |
| Net loans and leases to total assets | 60.4461% | 4,978 |
| Net loans and leases to deposits | 63.3416% | 6,104 |
| Net loans and leases to core deposits | 76.6175% | 5,124 |
| Total domestic deposits to total assets | 95.4288% | 37 |
| Equity capital to assets | 1.7134% | 7,800 |
| Core capital (leverage) ratio | 1.6500% | 7,789 |
| Tier 1 risk-based capital ratio | 2.2910% | 7,791 |
| Total risk-based capital ratio | 3.5535% | 7,790 |
| Memoranda: | ||
| Average total assets | $236,376,330 | 2,737 |
| Average earning assets | $191,337,000 | 3,044 |
| Average equity | $7,356,000 | 6,013 |
| Average total loans | $149,448,000 | 2,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 1,724 |
| Cost of funding earning assets | 3.2885% | 26 |
| Net interest margin | 2.4256% | 7,515 |
| Noninterest income to average assets | 2.2800% | 282 |
| Noninterest expense to average assets | 3.6078% | 1,719 |
| Loan and lease loss provision to assets | 0.9655% | 1,301 |
| Net operating income to assets | -0.3174% | 6,683 |
| Return on assets (ROA) | -0.3174% | 6,733 |
| Pretax return on assets | -0.3174% | 6,654 |
| Return on Equity (ROE) | -8.4113% | 7,072 |
| Retained earnings to average equity (ytd only) | -8.4113% | 6,859 |
| Net charge-offs to loans | 1.8745% | 919 |
| Credit loss provision to net charge-offs | 80.8067% | 3,859 |
| Earnings coverage of net charge-offs (x) | 0.5424% | 4,551 |
| Efficiency ratio | 84.7716% | 1,935 |
| Assets per employee ($millions) | 3.3271% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,723 |
| Loan loss allowance to noncurrent loans | 5.9057% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 21.2380% | 46 |
| Noncurrent loans to loans | 19.6151% | 83 |
| Net loans and leases to total assets | 62.9587% | 4,539 |
| Net loans and leases to deposits | 67.3418% | 5,672 |
| Net loans and leases to core deposits | 81.5904% | 4,546 |
| Total domestic deposits to total assets | 93.4913% | 92 |
| Equity capital to assets | 3.8231% | 7,808 |
| Core capital (leverage) ratio | 3.6445% | 7,807 |
| Tier 1 risk-based capital ratio | 4.9722% | 7,802 |
| Total risk-based capital ratio | 5.9387% | 7,823 |
| Memoranda: | ||
| Average total assets | $240,699,500 | 2,758 |
| Average earning assets | $196,077,000 | 3,043 |
| Average equity | $9,083,000 | 5,520 |
| Average total loans | $153,425,500 | 2,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1695% | 1,323 |
| Cost of funding earning assets | 3.3579% | 78 |
| Net interest margin | 2.8116% | 7,042 |
| Noninterest income to average assets | 0.5626% | 3,920 |
| Noninterest expense to average assets | 3.3120% | 2,974 |
| Loan and lease loss provision to assets | 5.9798% | 113 |
| Net operating income to assets | -4.8830% | 7,729 |
| Return on assets (ROA) | -4.7498% | 7,708 |
| Pretax return on assets | -6.2003% | 7,822 |
| Return on Equity (ROE) | -75.4462% | 7,842 |
| Retained earnings to average equity (ytd only) | -75.4462% | 7,838 |
| Net charge-offs to loans | 9.7579% | 42 |
| Credit loss provision to net charge-offs | 87.7278% | 6,076 |
| Earnings coverage of net charge-offs (x) | -0.0577% | 6,280 |
| Efficiency ratio | 113.4827% | 727 |
| Assets per employee ($millions) | 2.8181% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,338 |
| Loan loss allowance to noncurrent loans | 6.3136% | 7,414 |
| Noncurrent assets plus other real estate owned to assets | 20.2218% | 55 |
| Noncurrent loans to loans | 19.0511% | 81 |
| Net loans and leases to total assets | 63.0176% | 4,803 |
| Net loans and leases to deposits | 70.4279% | 5,549 |
| Net loans and leases to core deposits | 106.6346% | 3,258 |
| Total domestic deposits to total assets | 89.4782% | 1,216 |
| Equity capital to assets | 3.7259% | 7,878 |
| Core capital (leverage) ratio | 3.5648% | 7,870 |
| Tier 1 risk-based capital ratio | 4.8889% | 7,879 |
| Total risk-based capital ratio | 5.8932% | 7,890 |
| Memoranda: | ||
| Average total assets | $258,454,200 | 2,537 |
| Average earning assets | $216,564,600 | 2,748 |
| Average equity | $16,271,200 | 3,826 |
| Average total loans | $180,541,400 | 2,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4669% | 807 |
| Cost of funding earning assets | 3.4300% | 93 |
| Net interest margin | 3.0369% | 6,503 |
| Noninterest income to average assets | 0.6484% | 3,356 |
| Noninterest expense to average assets | 3.2124% | 3,260 |
| Loan and lease loss provision to assets | 3.1436% | 452 |
| Net operating income to assets | -1.9405% | 7,291 |
| Return on assets (ROA) | -1.8815% | 7,272 |
| Pretax return on assets | -3.0575% | 7,523 |
| Return on Equity (ROE) | -27.2785% | 7,553 |
| Retained earnings to average equity (ytd only) | -27.2785% | 7,537 |
| Net charge-offs to loans | 3.9453% | 363 |
| Credit loss provision to net charge-offs | 111.7913% | 4,540 |
| Earnings coverage of net charge-offs (x) | -0.0022% | 6,070 |
| Efficiency ratio | 100.1906% | 1,051 |
| Assets per employee ($millions) | 3.0504% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7647% | 822 |
| Loan loss allowance to noncurrent loans | 22.1907% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 17.2102% | 78 |
| Noncurrent loans to loans | 12.4587% | 248 |
| Net loans and leases to total assets | 62.9318% | 5,080 |
| Net loans and leases to deposits | 72.6431% | 5,560 |
| Net loans and leases to core deposits | 102.4246% | 4,115 |
| Total domestic deposits to total assets | 86.6315% | 2,362 |
| Equity capital to assets | 6.8493% | 7,665 |
| Core capital (leverage) ratio | 6.2370% | 7,753 |
| Tier 1 risk-based capital ratio | 8.0400% | 7,788 |
| Total risk-based capital ratio | 9.3034% | 7,803 |
| Memoranda: | ||
| Average total assets | $261,773,750 | 2,514 |
| Average earning assets | $220,482,500 | 2,713 |
| Average equity | $18,055,250 | 3,529 |
| Average total loans | $186,580,500 | 2,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6458% | 605 |
| Cost of funding earning assets | 3.4568% | 127 |
| Net interest margin | 3.1890% | 5,957 |
| Noninterest income to average assets | 0.7133% | 2,907 |
| Noninterest expense to average assets | 3.1240% | 3,605 |
| Loan and lease loss provision to assets | 4.3458% | 271 |
| Net operating income to assets | -2.4969% | 7,558 |
| Return on assets (ROA) | -2.4084% | 7,535 |
| Pretax return on assets | -3.9046% | 7,731 |
| Return on Equity (ROE) | -34.8368% | 7,781 |
| Retained earnings to average equity (ytd only) | -34.8368% | 7,758 |
| Net charge-offs to loans | 5.3471% | 222 |
| Credit loss provision to net charge-offs | 110.6267% | 4,185 |
| Earnings coverage of net charge-offs (x) | 0.0771% | 5,599 |
| Efficiency ratio | 91.1647% | 1,715 |
| Assets per employee ($millions) | 3.0786% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5608% | 850 |
| Loan loss allowance to noncurrent loans | 54.4043% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 12.3650% | 167 |
| Noncurrent loans to loans | 4.7069% | 1,339 |
| Net loans and leases to total assets | 65.9518% | 4,571 |
| Net loans and leases to deposits | 75.5717% | 5,233 |
| Net loans and leases to core deposits | 106.3862% | 3,795 |
| Total domestic deposits to total assets | 87.2705% | 2,112 |
| Equity capital to assets | 6.1070% | 7,909 |
| Core capital (leverage) ratio | 5.5874% | 7,975 |
| Tier 1 risk-based capital ratio | 6.9097% | 8,017 |
| Total risk-based capital ratio | 8.1714% | 8,024 |
| Memoranda: | ||
| Average total assets | $261,587,330 | 2,524 |
| Average earning assets | $222,577,670 | 2,716 |
| Average equity | $18,084,330 | 3,537 |
| Average total loans | $192,179,000 | 2,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6403% | 650 |
| Cost of funding earning assets | 3.4094% | 191 |
| Net interest margin | 3.2309% | 5,753 |
| Noninterest income to average assets | 0.7508% | 2,593 |
| Noninterest expense to average assets | 3.0385% | 3,598 |
| Loan and lease loss provision to assets | 0.1477% | 5,051 |
| Net operating income to assets | 0.2519% | 5,479 |
| Return on assets (ROA) | 0.4385% | 4,878 |
| Pretax return on assets | 0.6554% | 4,575 |
| Return on Equity (ROE) | 5.9868% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.9868% | 2,631 |
| Net charge-offs to loans | 2.5369% | 548 |
| Credit loss provision to net charge-offs | 7.6190% | 5,215 |
| Earnings coverage of net charge-offs (x) | 0.2706% | 4,756 |
| Efficiency ratio | 85.2763% | 2,161 |
| Assets per employee ($millions) | 2.9130% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 3,183 |
| Loan loss allowance to noncurrent loans | 13.4715% | 7,449 |
| Noncurrent assets plus other real estate owned to assets | 11.9716% | 145 |
| Noncurrent loans to loans | 10.8275% | 235 |
| Net loans and leases to total assets | 75.0219% | 2,499 |
| Net loans and leases to deposits | 87.9946% | 3,293 |
| Net loans and leases to core deposits | 124.9032% | 2,001 |
| Total domestic deposits to total assets | 85.2574% | 3,084 |
| Equity capital to assets | 7.3495% | 7,456 |
| Core capital (leverage) ratio | 7.3932% | 7,281 |
| Tier 1 risk-based capital ratio | 9.0221% | 7,783 |
| Total risk-based capital ratio | 10.2733% | 7,808 |
| Memoranda: | ||
| Average total assets | $259,999,500 | 2,552 |
| Average earning assets | $226,314,500 | 2,689 |
| Average equity | $19,042,000 | 3,411 |
| Average total loans | $198,666,000 | 2,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6906% | 284 |
| Cost of funding earning assets | 3.7979% | 201 |
| Net interest margin | 3.8927% | 3,593 |
| Noninterest income to average assets | 0.8443% | 2,269 |
| Noninterest expense to average assets | 3.2956% | 2,977 |
| Loan and lease loss provision to assets | 0.8111% | 1,834 |
| Net operating income to assets | 0.2031% | 5,839 |
| Return on assets (ROA) | 0.2812% | 5,420 |
| Pretax return on assets | 0.3638% | 5,345 |
| Return on Equity (ROE) | 3.7297% | 4,928 |
| Retained earnings to average equity (ytd only) | 0.7553% | 4,776 |
| Net charge-offs to loans | 0.1527% | 4,677 |
| Credit loss provision to net charge-offs | 688.7417% | 613 |
| Earnings coverage of net charge-offs (x) | 9.1159% | 2,755 |
| Efficiency ratio | 75.3659% | 3,346 |
| Assets per employee ($millions) | 2.9297% | 6,221 |
| Cash dividends to net income (ytd only)* | 79.7503% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 1,182 |
| Loan loss allowance to noncurrent loans | 48.1883% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 5.3359% | 616 |
| Noncurrent loans to loans | 4.1959% | 1,161 |
| Net loans and leases to total assets | 75.1358% | 2,847 |
| Net loans and leases to deposits | 88.3008% | 3,756 |
| Net loans and leases to core deposits | 187.2373% | 230 |
| Total domestic deposits to total assets | 85.0907% | 2,800 |
| Equity capital to assets | 7.2983% | 7,562 |
| Core capital (leverage) ratio | 7.2271% | 7,494 |
| Tier 1 risk-based capital ratio | 8.9190% | 7,834 |
| Total risk-based capital ratio | 10.1770% | 7,849 |
| Memoranda: | ||
| Average total assets | $256,430,600 | 2,496 |
| Average earning assets | $232,206,200 | 2,533 |
| Average equity | $19,331,200 | 3,340 |
| Average total loans | $197,798,600 | 2,320 |