Home > Mountain National Bank > Performance and Condition Ratios
Mountain National Bank, Performance and Condition Ratios
| 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 | 3.9798% | 4,198 |
| Cost of funding earning assets | 1.4239% | 77 |
| Net interest margin | 2.5560% | 6,433 |
| Noninterest income to average assets | 0.8061% | 2,102 |
| Noninterest expense to average assets | 3.5908% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7478% | 6,753 |
| Return on assets (ROA) | -0.7361% | 6,765 |
| Pretax return on assets | -0.7361% | 6,743 |
| Return on Equity (ROE) | -35.6347% | 6,943 |
| Retained earnings to average equity (ytd only) | -35.6347% | 6,917 |
| Net charge-offs to loans | 0.2919% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -4.3385% | 4,065 |
| Efficiency ratio | 126.3025% | 172 |
| Assets per employee ($millions) | 3.4432% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6131% | 178 |
| Loan loss allowance to noncurrent loans | 36.3040% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 13.9496% | 92 |
| Noncurrent loans to loans | 12.7068% | 118 |
| Net loans and leases to total assets | 56.7487% | 3,970 |
| Net loans and leases to deposits | 66.4635% | 3,995 |
| Net loans and leases to core deposits | 69.5643% | 4,132 |
| Total domestic deposits to total assets | 85.3833% | 3,854 |
| Equity capital to assets | 1.9708% | 7,005 |
| Core capital (leverage) ratio | 1.9114% | 7,005 |
| Tier 1 risk-based capital ratio | 2.6160% | 7,004 |
| Total risk-based capital ratio | 3.8961% | 7,004 |
| Memoranda: | ||
| Average total assets | $445,580,000 | 1,505 |
| Average earning assets | $355,089,000 | 1,716 |
| Average equity | $9,204,500 | 5,180 |
| Average total loans | $263,123,500 | 1,595 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 4,501 |
| Cost of funding earning assets | 1.5307% | 146 |
| Net interest margin | 2.6916% | 6,532 |
| Noninterest income to average assets | 0.9623% | 1,658 |
| Noninterest expense to average assets | 3.1396% | 2,811 |
| Loan and lease loss provision to assets | 0.5839% | 952 |
| Net operating income to assets | -0.5342% | 6,588 |
| Return on assets (ROA) | -0.3054% | 6,499 |
| Pretax return on assets | -0.3054% | 6,481 |
| Return on Equity (ROE) | -12.5027% | 6,781 |
| Retained earnings to average equity (ytd only) | -12.5027% | 6,717 |
| Net charge-offs to loans | 1.9069% | 398 |
| Credit loss provision to net charge-offs | 51.7702% | 4,655 |
| Earnings coverage of net charge-offs (x) | 0.0441% | 5,468 |
| Efficiency ratio | 98.4412% | 611 |
| Assets per employee ($millions) | 3.6022% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5818% | 173 |
| Loan loss allowance to noncurrent loans | 39.5998% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 13.1423% | 110 |
| Noncurrent loans to loans | 11.5703% | 163 |
| Net loans and leases to total assets | 55.9406% | 4,299 |
| Net loans and leases to deposits | 65.0182% | 4,422 |
| Net loans and leases to core deposits | 69.0535% | 4,432 |
| Total domestic deposits to total assets | 86.0383% | 3,343 |
| Equity capital to assets | 2.1572% | 7,063 |
| Core capital (leverage) ratio | 2.0033% | 7,065 |
| Tier 1 risk-based capital ratio | 2.7845% | 7,064 |
| Total risk-based capital ratio | 4.0641% | 7,065 |
| Memoranda: | ||
| Average total assets | $490,797,600 | 1,356 |
| Average earning assets | $406,084,600 | 1,483 |
| Average equity | $11,989,400 | 4,568 |
| Average total loans | $290,308,200 | 1,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 4,421 |
| Cost of funding earning assets | 1.5458% | 162 |
| Net interest margin | 2.7630% | 6,562 |
| Noninterest income to average assets | 1.0743% | 1,307 |
| Noninterest expense to average assets | 3.0824% | 2,939 |
| Loan and lease loss provision to assets | 0.0027% | 5,768 |
| Net operating income to assets | 0.2941% | 5,632 |
| Return on assets (ROA) | 0.5936% | 4,683 |
| Pretax return on assets | 0.5936% | 5,188 |
| Return on Equity (ROE) | 23.6696% | 176 |
| Retained earnings to average equity (ytd only) | 23.6696% | 54 |
| Net charge-offs to loans | 0.9236% | 1,171 |
| Credit loss provision to net charge-offs | 0.4871% | 5,154 |
| Earnings coverage of net charge-offs (x) | 0.5421% | 5,049 |
| Efficiency ratio | 91.2175% | 947 |
| Assets per employee ($millions) | 3.7237% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7352% | 170 |
| Loan loss allowance to noncurrent loans | 88.5420% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 8.9729% | 303 |
| Noncurrent loans to loans | 5.3480% | 816 |
| Net loans and leases to total assets | 54.5386% | 4,662 |
| Net loans and leases to deposits | 64.4735% | 4,662 |
| Net loans and leases to core deposits | 68.5053% | 4,674 |
| Total domestic deposits to total assets | 84.5908% | 3,935 |
| Equity capital to assets | 2.8853% | 7,136 |
| Core capital (leverage) ratio | 2.6247% | 7,142 |
| Tier 1 risk-based capital ratio | 3.8889% | 7,140 |
| Total risk-based capital ratio | 5.1718% | 7,140 |
| Memoranda: | ||
| Average total assets | $500,027,500 | 1,352 |
| Average earning assets | $417,115,500 | 1,458 |
| Average equity | $12,539,000 | 4,494 |
| Average total loans | $296,361,750 | 1,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 4,754 |
| Cost of funding earning assets | 1.5311% | 212 |
| Net interest margin | 2.7213% | 6,686 |
| Noninterest income to average assets | 1.2266% | 948 |
| Noninterest expense to average assets | 2.8028% | 4,011 |
| Loan and lease loss provision to assets | 0.0039% | 5,596 |
| Net operating income to assets | 0.7131% | 3,796 |
| Return on assets (ROA) | 1.1543% | 2,073 |
| Pretax return on assets | 1.1543% | 3,100 |
| Return on Equity (ROE) | 48.2814% | 22 |
| Retained earnings to average equity (ytd only) | 48.2814% | 14 |
| Net charge-offs to loans | 0.4651% | 2,208 |
| Credit loss provision to net charge-offs | 1.4104% | 4,803 |
| Earnings coverage of net charge-offs (x) | 2.5740% | 3,723 |
| Efficiency ratio | 79.6294% | 2,248 |
| Assets per employee ($millions) | 4.0651% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8768% | 177 |
| Loan loss allowance to noncurrent loans | 50.8436% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 9.1696% | 324 |
| Noncurrent loans to loans | 9.5919% | 289 |
| Net loans and leases to total assets | 54.3696% | 4,733 |
| Net loans and leases to deposits | 63.3371% | 4,846 |
| Net loans and leases to core deposits | 67.9374% | 4,793 |
| Total domestic deposits to total assets | 85.8417% | 3,433 |
| Equity capital to assets | 2.6938% | 7,192 |
| Core capital (leverage) ratio | 2.7557% | 7,190 |
| Tier 1 risk-based capital ratio | 4.0746% | 7,189 |
| Total risk-based capital ratio | 5.3609% | 7,189 |
| Memoranda: | ||
| Average total assets | $509,066,330 | 1,331 |
| Average earning assets | $428,981,000 | 1,427 |
| Average equity | $12,170,330 | 4,568 |
| Average total loans | $304,902,670 | 1,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 4,452 |
| Cost of funding earning assets | 1.5559% | 227 |
| Net interest margin | 2.8121% | 6,618 |
| Noninterest income to average assets | 0.9978% | 1,430 |
| Noninterest expense to average assets | 3.0867% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2975% | 5,667 |
| Return on assets (ROA) | 1.1791% | 1,986 |
| Pretax return on assets | 1.1791% | 2,994 |
| Return on Equity (ROE) | 52.6486% | 27 |
| Retained earnings to average equity (ytd only) | 52.6486% | 19 |
| Net charge-offs to loans | 0.5536% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8773% | 3,890 |
| Efficiency ratio | 91.2085% | 999 |
| Assets per employee ($millions) | 3.8509% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6035% | 234 |
| Loan loss allowance to noncurrent loans | 40.4570% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 8.9819% | 391 |
| Noncurrent loans to loans | 11.3788% | 231 |
| Net loans and leases to total assets | 57.9520% | 4,046 |
| Net loans and leases to deposits | 67.3532% | 4,171 |
| Net loans and leases to core deposits | 72.7973% | 4,046 |
| Total domestic deposits to total assets | 86.0420% | 3,505 |
| Equity capital to assets | 2.3096% | 7,268 |
| Core capital (leverage) ratio | 2.4539% | 7,258 |
| Tier 1 risk-based capital ratio | 3.4808% | 7,262 |
| Total risk-based capital ratio | 4.7656% | 7,262 |
| Memoranda: | ||
| Average total assets | $509,533,000 | 1,335 |
| Average earning assets | $432,417,000 | 1,417 |
| Average equity | $11,411,500 | 4,746 |
| Average total loans | $312,137,000 | 1,364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 4,455 |
| Cost of funding earning assets | 1.7166% | 303 |
| Net interest margin | 2.9329% | 6,637 |
| Noninterest income to average assets | -0.2151% | 7,164 |
| Noninterest expense to average assets | 3.3922% | 2,263 |
| Loan and lease loss provision to assets | 6.3791% | 11 |
| Net operating income to assets | -7.4046% | 7,339 |
| Return on assets (ROA) | -7.3677% | 7,340 |
| Pretax return on assets | -7.4828% | 7,342 |
| Return on Equity (ROE) | -127.9478% | 7,333 |
| Retained earnings to average equity (ytd only) | -127.9478% | 7,333 |
| Net charge-offs to loans | 8.1860% | 14 |
| Credit loss provision to net charge-offs | 118.7383% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.2124% | 5,963 |
| Efficiency ratio | 150.7043% | 140 |
| Assets per employee ($millions) | 3.5932% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7822% | 204 |
| Loan loss allowance to noncurrent loans | 40.7910% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 9.3849% | 370 |
| Noncurrent loans to loans | 11.7238% | 230 |
| Net loans and leases to total assets | 58.8288% | 4,222 |
| Net loans and leases to deposits | 68.4773% | 4,369 |
| Net loans and leases to core deposits | 73.8389% | 4,262 |
| Total domestic deposits to total assets | 85.9099% | 3,369 |
| Equity capital to assets | 2.1678% | 7,317 |
| Core capital (leverage) ratio | 2.0993% | 7,316 |
| Tier 1 risk-based capital ratio | 3.0680% | 7,314 |
| Total risk-based capital ratio | 4.3547% | 7,314 |
| Memoranda: | ||
| Average total assets | $526,674,400 | 1,273 |
| Average earning assets | $442,843,200 | 1,363 |
| Average equity | $30,328,000 | 2,170 |
| Average total loans | $345,651,200 | 1,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 4,558 |
| Cost of funding earning assets | 1.7368% | 339 |
| Net interest margin | 2.9407% | 6,687 |
| Noninterest income to average assets | -0.4656% | 7,345 |
| Noninterest expense to average assets | 3.3276% | 2,412 |
| Loan and lease loss provision to assets | 5.9745% | 16 |
| Net operating income to assets | -7.0826% | 7,412 |
| Return on assets (ROA) | -7.0345% | 7,413 |
| Pretax return on assets | -7.2495% | 7,414 |
| Return on Equity (ROE) | -106.4821% | 7,382 |
| Retained earnings to average equity (ytd only) | -106.4821% | 7,382 |
| Net charge-offs to loans | 6.9813% | 36 |
| Credit loss provision to net charge-offs | 128.6176% | 2,477 |
| Earnings coverage of net charge-offs (x) | -0.2852% | 5,758 |
| Efficiency ratio | 166.1292% | 97 |
| Assets per employee ($millions) | 3.4892% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4429% | 275 |
| Loan loss allowance to noncurrent loans | 34.5812% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 9.9621% | 359 |
| Noncurrent loans to loans | 12.8478% | 207 |
| Net loans and leases to total assets | 61.9412% | 3,739 |
| Net loans and leases to deposits | 73.6006% | 3,704 |
| Net loans and leases to core deposits | 79.8915% | 3,654 |
| Total domestic deposits to total assets | 84.1585% | 4,150 |
| Equity capital to assets | 4.2589% | 7,300 |
| Core capital (leverage) ratio | 4.1376% | 7,292 |
| Tier 1 risk-based capital ratio | 5.7769% | 7,305 |
| Total risk-based capital ratio | 7.0608% | 7,306 |
| Memoranda: | ||
| Average total assets | $532,582,750 | 1,253 |
| Average earning assets | $447,094,000 | 1,368 |
| Average equity | $35,183,750 | 1,919 |
| Average total loans | $354,365,000 | 1,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 4,551 |
| Cost of funding earning assets | 1.7530% | 380 |
| Net interest margin | 2.9405% | 6,714 |
| Noninterest income to average assets | -1.0629% | 7,482 |
| Noninterest expense to average assets | 3.3265% | 2,471 |
| Loan and lease loss provision to assets | 7.5702% | 9 |
| Net operating income to assets | -9.3093% | 7,493 |
| Return on assets (ROA) | -9.2918% | 7,494 |
| Pretax return on assets | -9.4848% | 7,501 |
| Return on Equity (ROE) | -126.2940% | 7,455 |
| Retained earnings to average equity (ytd only) | -126.2940% | 7,455 |
| Net charge-offs to loans | 8.7197% | 26 |
| Credit loss provision to net charge-offs | 129.4121% | 2,358 |
| Earnings coverage of net charge-offs (x) | -0.3303% | 5,466 |
| Efficiency ratio | 238.6133% | 37 |
| Assets per employee ($millions) | 3.4138% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1175% | 382 |
| Loan loss allowance to noncurrent loans | 31.7386% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 10.4017% | 356 |
| Noncurrent loans to loans | 12.9733% | 208 |
| Net loans and leases to total assets | 63.2640% | 3,625 |
| Net loans and leases to deposits | 75.4461% | 3,570 |
| Net loans and leases to core deposits | 82.3938% | 3,448 |
| Total domestic deposits to total assets | 83.8532% | 4,411 |
| Equity capital to assets | 4.6953% | 7,339 |
| Core capital (leverage) ratio | 4.6134% | 7,331 |
| Tier 1 risk-based capital ratio | 6.4130% | 7,344 |
| Total risk-based capital ratio | 7.6934% | 7,346 |
| Memoranda: | ||
| Average total assets | $537,977,670 | 1,240 |
| Average earning assets | $449,520,330 | 1,363 |
| Average equity | $39,580,670 | 1,688 |
| Average total loans | $360,908,330 | 1,202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 4,913 |
| Cost of funding earning assets | 1.7729% | 415 |
| Net interest margin | 2.8343% | 6,862 |
| Noninterest income to average assets | 0.6500% | 2,849 |
| Noninterest expense to average assets | 3.1183% | 3,183 |
| Loan and lease loss provision to assets | 2.1986% | 244 |
| Net operating income to assets | -2.3832% | 7,326 |
| Return on assets (ROA) | -2.3832% | 7,324 |
| Pretax return on assets | -2.3107% | 7,300 |
| Return on Equity (ROE) | -27.6126% | 7,302 |
| Retained earnings to average equity (ytd only) | -27.6126% | 7,269 |
| Net charge-offs to loans | 2.7346% | 399 |
| Credit loss provision to net charge-offs | 118.9061% | 2,290 |
| Earnings coverage of net charge-offs (x) | -0.0606% | 4,623 |
| Efficiency ratio | 103.7299% | 634 |
| Assets per employee ($millions) | 3.5638% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7492% | 1,156 |
| Loan loss allowance to noncurrent loans | 18.4211% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 12.5668% | 237 |
| Noncurrent loans to loans | 14.9241% | 153 |
| Net loans and leases to total assets | 66.4257% | 2,894 |
| Net loans and leases to deposits | 82.6943% | 2,234 |
| Net loans and leases to core deposits | 90.9517% | 2,246 |
| Total domestic deposits to total assets | 80.3269% | 5,859 |
| Equity capital to assets | 8.5596% | 5,828 |
| Core capital (leverage) ratio | 8.6181% | 5,238 |
| Tier 1 risk-based capital ratio | 11.4746% | 6,122 |
| Total risk-based capital ratio | 12.7398% | 6,091 |
| Memoranda: | ||
| Average total assets | $545,812,500 | 1,234 |
| Average earning assets | $453,730,500 | 1,365 |
| Average equity | $47,109,000 | 1,421 |
| Average total loans | $369,051,000 | 1,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 6,163 |
| Cost of funding earning assets | 2.0233% | 559 |
| Net interest margin | 2.5590% | 7,235 |
| Noninterest income to average assets | 0.7000% | 2,840 |
| Noninterest expense to average assets | 2.8831% | 4,306 |
| Loan and lease loss provision to assets | 1.2767% | 1,212 |
| Net operating income to assets | -1.8977% | 7,031 |
| Return on assets (ROA) | -1.6481% | 6,979 |
| Pretax return on assets | -1.0459% | 6,667 |
| Return on Equity (ROE) | -17.2449% | 6,981 |
| Retained earnings to average equity (ytd only) | -17.2449% | 6,949 |
| Net charge-offs to loans | 2.4116% | 784 |
| Credit loss provision to net charge-offs | 81.1745% | 5,515 |
| Earnings coverage of net charge-offs (x) | -0.0120% | 6,142 |
| Efficiency ratio | 100.6576% | 757 |
| Assets per employee ($millions) | 3.7137% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 1,328 |
| Loan loss allowance to noncurrent loans | 18.3668% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 11.6589% | 301 |
| Noncurrent loans to loans | 13.9570% | 197 |
| Net loans and leases to total assets | 65.2379% | 3,613 |
| Net loans and leases to deposits | 80.8224% | 3,022 |
| Net loans and leases to core deposits | 91.2321% | 2,585 |
| Total domestic deposits to total assets | 80.7176% | 5,617 |
| Equity capital to assets | 8.6995% | 5,587 |
| Core capital (leverage) ratio | 8.4126% | 5,513 |
| Tier 1 risk-based capital ratio | 11.9654% | 5,503 |
| Total risk-based capital ratio | 13.2285% | 5,477 |
| Memoranda: | ||
| Average total assets | $605,246,600 | 1,105 |
| Average earning assets | $511,884,000 | 1,202 |
| Average equity | $57,843,200 | 1,151 |
| Average total loans | $394,710,800 | 1,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 6,453 |
| Cost of funding earning assets | 2.0347% | 673 |
| Net interest margin | 2.5229% | 7,358 |
| Noninterest income to average assets | 0.7501% | 2,501 |
| Noninterest expense to average assets | 2.8602% | 4,244 |
| Loan and lease loss provision to assets | 0.1516% | 5,528 |
| Net operating income to assets | -0.1058% | 6,189 |
| Return on assets (ROA) | 0.2205% | 5,609 |
| Pretax return on assets | 0.2153% | 5,695 |
| Return on Equity (ROE) | 2.2617% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.2617% | 4,810 |
| Net charge-offs to loans | 0.6388% | 2,833 |
| Credit loss provision to net charge-offs | 36.6197% | 6,070 |
| Earnings coverage of net charge-offs (x) | 0.0981% | 5,925 |
| Efficiency ratio | 98.6001% | 798 |
| Assets per employee ($millions) | 3.8370% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 1,232 |
| Loan loss allowance to noncurrent loans | 15.1576% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 14.0093% | 190 |
| Noncurrent loans to loans | 17.0451% | 119 |
| Net loans and leases to total assets | 65.5417% | 3,788 |
| Net loans and leases to deposits | 82.5520% | 3,000 |
| Net loans and leases to core deposits | 95.5466% | 2,315 |
| Total domestic deposits to total assets | 79.3944% | 5,897 |
| Equity capital to assets | 10.4196% | 3,615 |
| Core capital (leverage) ratio | 9.8168% | 3,464 |
| Tier 1 risk-based capital ratio | 13.1441% | 4,462 |
| Total risk-based capital ratio | 14.4069% | 4,438 |
| Memoranda: | ||
| Average total assets | $617,293,750 | 1,085 |
| Average earning assets | $526,196,500 | 1,175 |
| Average equity | $60,188,750 | 1,108 |
| Average total loans | $400,145,000 | 1,140 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 6,784 |
| Cost of funding earning assets | 2.0543% | 762 |
| Net interest margin | 2.4039% | 7,472 |
| Noninterest income to average assets | 0.7193% | 2,583 |
| Noninterest expense to average assets | 2.7847% | 4,557 |
| Loan and lease loss provision to assets | 0.1740% | 5,127 |
| Net operating income to assets | -0.1807% | 6,333 |
| Return on assets (ROA) | 0.1985% | 5,698 |
| Pretax return on assets | 0.1918% | 5,786 |
| Return on Equity (ROE) | 2.0802% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.0802% | 4,816 |
| Net charge-offs to loans | 0.7578% | 2,347 |
| Credit loss provision to net charge-offs | 35.8453% | 5,661 |
| Earnings coverage of net charge-offs (x) | -0.0275% | 5,746 |
| Efficiency ratio | 100.4821% | 785 |
| Assets per employee ($millions) | 3.9088% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 1,172 |
| Loan loss allowance to noncurrent loans | 17.3307% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 12.4099% | 250 |
| Noncurrent loans to loans | 15.0984% | 171 |
| Net loans and leases to total assets | 64.1385% | 4,239 |
| Net loans and leases to deposits | 81.7696% | 3,307 |
| Net loans and leases to core deposits | 99.2415% | 2,099 |
| Total domestic deposits to total assets | 78.4381% | 6,169 |
| Equity capital to assets | 10.0498% | 3,956 |
| Core capital (leverage) ratio | 9.3460% | 4,047 |
| Tier 1 risk-based capital ratio | 13.1512% | 4,324 |
| Total risk-based capital ratio | 14.4147% | 4,270 |
| Memoranda: | ||
| Average total assets | $628,649,670 | 1,075 |
| Average earning assets | $536,630,670 | 1,148 |
| Average equity | $59,995,000 | 1,105 |
| Average total loans | $402,728,670 | 1,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 7,003 |
| Cost of funding earning assets | 2.0560% | 928 |
| Net interest margin | 2.3364% | 7,571 |
| Noninterest income to average assets | 0.6368% | 3,025 |
| Noninterest expense to average assets | 2.8698% | 4,189 |
| Loan and lease loss provision to assets | 0.1321% | 5,251 |
| Net operating income to assets | -0.3491% | 6,710 |
| Return on assets (ROA) | 0.2505% | 5,615 |
| Pretax return on assets | 0.2648% | 5,699 |
| Return on Equity (ROE) | 2.6914% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.6914% | 4,530 |
| Net charge-offs to loans | 0.5825% | 2,350 |
| Credit loss provision to net charge-offs | 35.8714% | 4,721 |
| Earnings coverage of net charge-offs (x) | -0.6362% | 5,321 |
| Efficiency ratio | 108.8889% | 627 |
| Assets per employee ($millions) | 4.0360% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7164% | 1,070 |
| Loan loss allowance to noncurrent loans | 19.1152% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 11.0927% | 326 |
| Noncurrent loans to loans | 14.2107% | 206 |
| Net loans and leases to total assets | 60.8665% | 4,961 |
| Net loans and leases to deposits | 75.9115% | 4,434 |
| Net loans and leases to core deposits | 110.9796% | 1,222 |
| Total domestic deposits to total assets | 80.1808% | 5,725 |
| Equity capital to assets | 9.2620% | 4,892 |
| Core capital (leverage) ratio | 9.0128% | 4,545 |
| Tier 1 risk-based capital ratio | 13.1828% | 4,221 |
| Total risk-based capital ratio | 14.4477% | 4,165 |
| Memoranda: | ||
| Average total assets | $641,997,500 | 1,079 |
| Average earning assets | $549,214,500 | 1,138 |
| Average equity | $59,745,000 | 1,116 |
| Average total loans | $405,864,000 | 1,163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 4,053 |
| Cost of funding earning assets | 2.2806% | 1,727 |
| Net interest margin | 3.2369% | 5,968 |
| Noninterest income to average assets | 0.4049% | 5,167 |
| Noninterest expense to average assets | 2.9811% | 4,231 |
| Loan and lease loss provision to assets | 1.7824% | 1,273 |
| Net operating income to assets | -0.8549% | 6,477 |
| Return on assets (ROA) | -0.6045% | 6,268 |
| Pretax return on assets | -1.1574% | 6,517 |
| Return on Equity (ROE) | -6.2932% | 6,334 |
| Retained earnings to average equity (ytd only) | -6.2932% | 6,178 |
| Net charge-offs to loans | 1.3570% | 1,842 |
| Credit loss provision to net charge-offs | 208.0378% | 1,850 |
| Earnings coverage of net charge-offs (x) | 0.2729% | 5,839 |
| Efficiency ratio | 92.7286% | 1,507 |
| Assets per employee ($millions) | 3.5262% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7846% | 945 |
| Loan loss allowance to noncurrent loans | 27.9520% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 8.6083% | 481 |
| Noncurrent loans to loans | 9.9622% | 415 |
| Net loans and leases to total assets | 62.1007% | 4,971 |
| Net loans and leases to deposits | 77.6047% | 4,452 |
| Net loans and leases to core deposits | 96.1007% | 4,456 |
| Total domestic deposits to total assets | 80.0218% | 5,666 |
| Equity capital to assets | 9.3508% | 4,632 |
| Core capital (leverage) ratio | 9.1356% | 4,224 |
| Tier 1 risk-based capital ratio | 12.7533% | 4,321 |
| Total risk-based capital ratio | 14.0179% | 4,252 |
| Memoranda: | ||
| Average total assets | $654,915,800 | 1,059 |
| Average earning assets | $568,537,600 | 1,109 |
| Average equity | $62,909,200 | 1,053 |
| Average total loans | $413,481,600 | 1,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6681% | 3,484 |
| Cost of funding earning assets | 2.3224% | 1,900 |
| Net interest margin | 3.3456% | 5,460 |
| Noninterest income to average assets | 0.5996% | 3,706 |
| Noninterest expense to average assets | 2.9396% | 4,278 |
| Loan and lease loss provision to assets | 1.1737% | 1,652 |
| Net operating income to assets | -0.2553% | 6,145 |
| Return on assets (ROA) | -0.0342% | 5,831 |
| Pretax return on assets | -0.2531% | 6,047 |
| Return on Equity (ROE) | -0.3536% | 5,838 |
| Retained earnings to average equity (ytd only) | -0.3536% | 5,306 |
| Net charge-offs to loans | 0.8133% | 2,335 |
| Credit loss provision to net charge-offs | 229.2375% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.1233% | 4,938 |
| Efficiency ratio | 83.6365% | 2,334 |
| Assets per employee ($millions) | 3.4891% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 1,640 |
| Loan loss allowance to noncurrent loans | 36.0369% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 6.0851% | 873 |
| Noncurrent loans to loans | 5.7506% | 1,061 |
| Net loans and leases to total assets | 62.3432% | 5,185 |
| Net loans and leases to deposits | 81.4920% | 4,114 |
| Net loans and leases to core deposits | 101.3946% | 4,226 |
| Total domestic deposits to total assets | 76.5022% | 6,475 |
| Equity capital to assets | 10.0125% | 4,071 |
| Core capital (leverage) ratio | 9.5503% | 3,843 |
| Tier 1 risk-based capital ratio | 13.4895% | 3,859 |
| Total risk-based capital ratio | 14.7467% | 3,789 |
| Memoranda: | ||
| Average total assets | $659,085,750 | 1,066 |
| Average earning assets | $574,268,000 | 1,114 |
| Average equity | $63,716,500 | 1,051 |
| Average total loans | $414,926,500 | 1,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7069% | 3,499 |
| Cost of funding earning assets | 2.3806% | 2,046 |
| Net interest margin | 3.3263% | 5,452 |
| Noninterest income to average assets | 0.7146% | 2,900 |
| Noninterest expense to average assets | 2.9231% | 4,418 |
| Loan and lease loss provision to assets | 1.5642% | 1,086 |
| Net operating income to assets | -0.4268% | 6,469 |
| Return on assets (ROA) | -0.3795% | 6,435 |
| Pretax return on assets | -0.7998% | 6,681 |
| Return on Equity (ROE) | -3.9718% | 6,479 |
| Retained earnings to average equity (ytd only) | -3.9718% | 6,134 |
| Net charge-offs to loans | 1.1181% | 1,624 |
| Credit loss provision to net charge-offs | 223.0306% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.9845% | 4,797 |
| Efficiency ratio | 80.8923% | 2,903 |
| Assets per employee ($millions) | 3.4587% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 1,631 |
| Loan loss allowance to noncurrent loans | 48.6537% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 5.7363% | 862 |
| Noncurrent loans to loans | 4.0547% | 1,656 |
| Net loans and leases to total assets | 60.0381% | 5,673 |
| Net loans and leases to deposits | 75.0561% | 5,310 |
| Net loans and leases to core deposits | 92.0219% | 5,349 |
| Total domestic deposits to total assets | 79.9910% | 5,484 |
| Equity capital to assets | 9.2988% | 4,872 |
| Core capital (leverage) ratio | 9.1041% | 4,455 |
| Tier 1 risk-based capital ratio | 12.7427% | 4,323 |
| Total risk-based capital ratio | 13.9981% | 4,237 |
| Memoranda: | ||
| Average total assets | $662,454,670 | 1,074 |
| Average earning assets | $577,336,000 | 1,125 |
| Average equity | $63,295,670 | 1,076 |
| Average total loans | $415,516,670 | 1,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8365% | 3,110 |
| Cost of funding earning assets | 2.4072% | 2,262 |
| Net interest margin | 3.4293% | 5,017 |
| Noninterest income to average assets | 0.7068% | 2,844 |
| Noninterest expense to average assets | 2.6938% | 5,040 |
| Loan and lease loss provision to assets | 1.7122% | 727 |
| Net operating income to assets | -0.3130% | 6,695 |
| Return on assets (ROA) | -0.3528% | 6,818 |
| Pretax return on assets | -0.7580% | 7,008 |
| Return on Equity (ROE) | -3.6423% | 6,853 |
| Retained earnings to average equity (ytd only) | -3.6423% | 6,379 |
| Net charge-offs to loans | 1.1470% | 1,202 |
| Credit loss provision to net charge-offs | 235.1464% | 1,964 |
| Earnings coverage of net charge-offs (x) | 1.3958% | 4,039 |
| Efficiency ratio | 72.6063% | 4,083 |
| Assets per employee ($millions) | 3.7815% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 2,235 |
| Loan loss allowance to noncurrent loans | 29.5254% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 5.9611% | 671 |
| Noncurrent loans to loans | 5.6628% | 879 |
| Net loans and leases to total assets | 58.6891% | 5,847 |
| Net loans and leases to deposits | 72.9271% | 5,626 |
| Net loans and leases to core deposits | 91.3870% | 5,415 |
| Total domestic deposits to total assets | 80.4764% | 5,178 |
| Equity capital to assets | 9.2319% | 5,041 |
| Core capital (leverage) ratio | 9.8127% | 3,622 |
| Tier 1 risk-based capital ratio | 12.8556% | 4,285 |
| Total risk-based capital ratio | 14.1078% | 4,204 |
| Memoranda: | ||
| Average total assets | $656,459,500 | 1,084 |
| Average earning assets | $574,934,500 | 1,136 |
| Average equity | $63,586,000 | 1,073 |
| Average total loans | $416,738,500 | 1,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8003% | 1,673 |
| Cost of funding earning assets | 3.1246% | 1,437 |
| Net interest margin | 3.6757% | 4,575 |
| Noninterest income to average assets | 0.7076% | 3,077 |
| Noninterest expense to average assets | 2.7354% | 5,110 |
| Loan and lease loss provision to assets | 0.3934% | 3,336 |
| Net operating income to assets | 0.6320% | 4,181 |
| Return on assets (ROA) | 0.6556% | 3,931 |
| Pretax return on assets | 0.8561% | 3,864 |
| Return on Equity (ROE) | 6.2421% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.4296% | 1,798 |
| Net charge-offs to loans | 0.2306% | 3,935 |
| Credit loss provision to net charge-offs | 240.8568% | 1,943 |
| Earnings coverage of net charge-offs (x) | 7.4629% | 3,104 |
| Efficiency ratio | 69.1743% | 4,497 |
| Assets per employee ($millions) | 3.5480% | 4,551 |
| Cash dividends to net income (ytd only)* | 13.0174% | 4,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,059 |
| Loan loss allowance to noncurrent loans | 44.6997% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 3.4278% | 1,300 |
| Noncurrent loans to loans | 2.8159% | 1,927 |
| Net loans and leases to total assets | 66.8610% | 4,670 |
| Net loans and leases to deposits | 91.2128% | 3,256 |
| Net loans and leases to core deposits | 120.2229% | 2,666 |
| Total domestic deposits to total assets | 73.3021% | 6,778 |
| Equity capital to assets | 10.1925% | 3,814 |
| Core capital (leverage) ratio | 10.4097% | 3,060 |
| Tier 1 risk-based capital ratio | 13.1940% | 3,994 |
| Total risk-based capital ratio | 14.2947% | 3,991 |
| Memoranda: | ||
| Average total assets | $585,911,000 | 1,146 |
| Average earning assets | $517,532,200 | 1,197 |
| Average equity | $61,533,400 | 1,090 |
| Average total loans | $414,920,600 | 1,160 |