Home > NBRS Financial > Performance and Condition Ratios
NBRS Financial, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,890 |
| Cost of funding earning assets | 0.5534% | 2,254 |
| Net interest margin | 3.4146% | 4,175 |
| Noninterest income to average assets | 1.1951% | 842 |
| Noninterest expense to average assets | 4.9681% | 315 |
| Loan and lease loss provision to assets | 2.9475% | 17 |
| Net operating income to assets | -3.5253% | 6,563 |
| Return on assets (ROA) | -3.4802% | 6,562 |
| Pretax return on assets | -3.4802% | 6,561 |
| Return on Equity (ROE) | -156.4131% | 6,585 |
| Retained earnings to average equity (ytd only) | -156.4131% | 6,585 |
| Net charge-offs to loans | -0.0602% | 5,980 |
| Credit loss provision to net charge-offs | -7,329.8246% | 6,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1609% | 190 |
| Assets per employee ($millions) | 3.3772% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6652% | 14 |
| Loan loss allowance to noncurrent loans | 90.1143% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 8.1260% | 128 |
| Noncurrent loans to loans | 9.6158% | 81 |
| Net loans and leases to total assets | 60.9818% | 3,631 |
| Net loans and leases to deposits | 62.5083% | 4,695 |
| Net loans and leases to core deposits | 64.9293% | 4,806 |
| Total domestic deposits to total assets | 97.5578% | 8 |
| Equity capital to assets | 1.0672% | 6,585 |
| Core capital (leverage) ratio | 1.1791% | 6,586 |
| Tier 1 risk-based capital ratio | 2.1615% | 6,585 |
| Total risk-based capital ratio | 3.5128% | 6,584 |
| Memoranda: | ||
| Average total assets | $188,989,000 | 3,139 |
| Average earning assets | $176,843,750 | 3,107 |
| Average equity | $4,205,000 | 6,109 |
| Average total loans | $126,213,250 | 2,951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,487 |
| Cost of funding earning assets | 0.5522% | 2,330 |
| Net interest margin | 3.2581% | 4,748 |
| Noninterest income to average assets | 0.9201% | 1,425 |
| Noninterest expense to average assets | 4.5015% | 450 |
| Loan and lease loss provision to assets | 4.0989% | 7 |
| Net operating income to assets | -4.6214% | 6,644 |
| Return on assets (ROA) | -4.5604% | 6,644 |
| Pretax return on assets | -4.5604% | 6,644 |
| Return on Equity (ROE) | -180.6490% | 6,652 |
| Retained earnings to average equity (ytd only) | -180.6490% | 6,652 |
| Net charge-offs to loans | 0.6955% | 551 |
| Credit loss provision to net charge-offs | 882.3656% | 372 |
| Earnings coverage of net charge-offs (x) | -1.1247% | 4,213 |
| Efficiency ratio | 113.1308% | 198 |
| Assets per employee ($millions) | 3.4860% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5465% | 38 |
| Loan loss allowance to noncurrent loans | 65.9568% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 8.2308% | 130 |
| Noncurrent loans to loans | 9.9254% | 79 |
| Net loans and leases to total assets | 63.6474% | 3,131 |
| Net loans and leases to deposits | 65.4269% | 4,329 |
| Net loans and leases to core deposits | 70.3050% | 4,234 |
| Total domestic deposits to total assets | 97.2801% | 5 |
| Equity capital to assets | 1.2006% | 6,653 |
| Core capital (leverage) ratio | 1.2359% | 6,655 |
| Tier 1 risk-based capital ratio | 2.0330% | 6,653 |
| Total risk-based capital ratio | 3.3546% | 6,653 |
| Memoranda: | ||
| Average total assets | $200,201,000 | 3,034 |
| Average earning assets | $187,963,330 | 2,980 |
| Average equity | $5,054,000 | 5,944 |
| Average total loans | $133,709,330 | 2,812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,162 |
| Cost of funding earning assets | 0.5220% | 2,693 |
| Net interest margin | 3.3590% | 4,297 |
| Noninterest income to average assets | 1.0050% | 1,118 |
| Noninterest expense to average assets | 4.1110% | 669 |
| Loan and lease loss provision to assets | 0.1455% | 1,678 |
| Net operating income to assets | -0.0931% | 6,279 |
| Return on assets (ROA) | 0.0252% | 6,193 |
| Pretax return on assets | 0.0252% | 6,186 |
| Return on Equity (ROE) | 0.8061% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.8061% | 5,271 |
| Net charge-offs to loans | 0.3136% | 1,130 |
| Credit loss provision to net charge-offs | 70.0935% | 2,002 |
| Earnings coverage of net charge-offs (x) | 0.2523% | 3,386 |
| Efficiency ratio | 98.7418% | 512 |
| Assets per employee ($millions) | 3.8171% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5269% | 263 |
| Loan loss allowance to noncurrent loans | 96.9013% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 3.6080% | 712 |
| Noncurrent loans to loans | 3.6397% | 780 |
| Net loans and leases to total assets | 62.6631% | 3,130 |
| Net loans and leases to deposits | 65.6870% | 4,131 |
| Net loans and leases to core deposits | 71.1313% | 3,968 |
| Total domestic deposits to total assets | 95.3964% | 29 |
| Equity capital to assets | 3.2233% | 6,689 |
| Core capital (leverage) ratio | 3.4239% | 6,692 |
| Tier 1 risk-based capital ratio | 5.4770% | 6,691 |
| Total risk-based capital ratio | 6.7573% | 6,690 |
| Memoranda: | ||
| Average total assets | $206,179,000 | 2,984 |
| Average earning assets | $193,867,000 | 2,922 |
| Average equity | $6,451,000 | 5,649 |
| Average total loans | $136,461,000 | 2,790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,697 |
| Cost of funding earning assets | 0.5389% | 3,206 |
| Net interest margin | 3.5703% | 3,602 |
| Noninterest income to average assets | 0.4374% | 4,177 |
| Noninterest expense to average assets | 4.3423% | 604 |
| Loan and lease loss provision to assets | 1.1491% | 147 |
| Net operating income to assets | -1.7110% | 6,694 |
| Return on assets (ROA) | -1.7110% | 6,689 |
| Pretax return on assets | -1.7110% | 6,682 |
| Return on Equity (ROE) | -39.3687% | 6,756 |
| Retained earnings to average equity (ytd only) | -39.3687% | 6,753 |
| Net charge-offs to loans | 2.0596% | 177 |
| Credit loss provision to net charge-offs | 82.3292% | 2,979 |
| Earnings coverage of net charge-offs (x) | -0.4026% | 5,182 |
| Efficiency ratio | 114.8627% | 214 |
| Assets per employee ($millions) | 3.8192% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4185% | 310 |
| Loan loss allowance to noncurrent loans | 86.0427% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 3.8243% | 715 |
| Noncurrent loans to loans | 3.9730% | 733 |
| Net loans and leases to total assets | 65.1121% | 2,840 |
| Net loans and leases to deposits | 68.1230% | 4,037 |
| Net loans and leases to core deposits | 73.8701% | 3,851 |
| Total domestic deposits to total assets | 95.5803% | 34 |
| Equity capital to assets | 3.0344% | 6,763 |
| Core capital (leverage) ratio | 3.3727% | 6,767 |
| Tier 1 risk-based capital ratio | 5.4146% | 6,764 |
| Total risk-based capital ratio | 6.6948% | 6,764 |
| Memoranda: | ||
| Average total assets | $212,860,800 | 2,882 |
| Average earning assets | $199,308,600 | 2,833 |
| Average equity | $9,251,000 | 5,030 |
| Average total loans | $144,253,400 | 2,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 3,687 |
| Cost of funding earning assets | 0.5361% | 3,407 |
| Net interest margin | 3.5823% | 3,528 |
| Noninterest income to average assets | 0.7446% | 2,388 |
| Noninterest expense to average assets | 4.0350% | 820 |
| Loan and lease loss provision to assets | 1.5203% | 77 |
| Net operating income to assets | -1.4587% | 6,756 |
| Return on assets (ROA) | -1.4587% | 6,760 |
| Pretax return on assets | -1.4587% | 6,752 |
| Return on Equity (ROE) | -31.2949% | 6,818 |
| Retained earnings to average equity (ytd only) | -31.2949% | 6,813 |
| Net charge-offs to loans | 2.4622% | 129 |
| Credit loss provision to net charge-offs | 90.9970% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.0368% | 4,845 |
| Efficiency ratio | 98.4980% | 516 |
| Assets per employee ($millions) | 3.9818% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6177% | 306 |
| Loan loss allowance to noncurrent loans | 80.7668% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 4.3182% | 706 |
| Noncurrent loans to loans | 4.4792% | 724 |
| Net loans and leases to total assets | 64.7855% | 2,852 |
| Net loans and leases to deposits | 68.2256% | 4,034 |
| Net loans and leases to core deposits | 74.0530% | 3,839 |
| Total domestic deposits to total assets | 94.9578% | 44 |
| Equity capital to assets | 3.7497% | 6,822 |
| Core capital (leverage) ratio | 3.9674% | 6,828 |
| Tier 1 risk-based capital ratio | 6.1486% | 6,823 |
| Total risk-based capital ratio | 7.4291% | 6,822 |
| Memoranda: | ||
| Average total assets | $214,517,250 | 2,892 |
| Average earning assets | $200,721,000 | 2,846 |
| Average equity | $9,999,250 | 4,906 |
| Average total loans | $145,557,500 | 2,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,633 |
| Cost of funding earning assets | 0.5329% | 3,576 |
| Net interest margin | 3.5942% | 3,384 |
| Noninterest income to average assets | 0.7677% | 2,338 |
| Noninterest expense to average assets | 3.9962% | 868 |
| Loan and lease loss provision to assets | 0.2028% | 1,870 |
| Net operating income to assets | -0.0682% | 6,377 |
| Return on assets (ROA) | -0.0682% | 6,424 |
| Pretax return on assets | -0.0682% | 6,412 |
| Return on Equity (ROE) | -1.3775% | 6,486 |
| Retained earnings to average equity (ytd only) | -1.3775% | 6,107 |
| Net charge-offs to loans | 2.8886% | 109 |
| Credit loss provision to net charge-offs | 10.3141% | 3,895 |
| Earnings coverage of net charge-offs (x) | 0.0684% | 4,523 |
| Efficiency ratio | 96.7425% | 628 |
| Assets per employee ($millions) | 4.0873% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3601% | 1,156 |
| Loan loss allowance to noncurrent loans | 57.8875% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 4.0223% | 856 |
| Noncurrent loans to loans | 4.0771% | 944 |
| Net loans and leases to total assets | 65.4993% | 2,679 |
| Net loans and leases to deposits | 69.8191% | 3,738 |
| Net loans and leases to core deposits | 75.1209% | 3,658 |
| Total domestic deposits to total assets | 93.8129% | 71 |
| Equity capital to assets | 4.8848% | 6,830 |
| Core capital (leverage) ratio | 4.9241% | 6,834 |
| Tier 1 risk-based capital ratio | 7.5820% | 6,819 |
| Total risk-based capital ratio | 8.8467% | 6,819 |
| Memoranda: | ||
| Average total assets | $217,005,000 | 2,882 |
| Average earning assets | $203,046,670 | 2,836 |
| Average equity | $10,744,330 | 4,783 |
| Average total loans | $147,684,670 | 2,604 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,445 |
| Cost of funding earning assets | 0.5335% | 3,739 |
| Net interest margin | 3.6314% | 3,133 |
| Noninterest income to average assets | 0.7973% | 2,135 |
| Noninterest expense to average assets | 4.0175% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1824% | 5,942 |
| Return on assets (ROA) | 0.1824% | 6,056 |
| Pretax return on assets | 0.1824% | 6,109 |
| Return on Equity (ROE) | 3.6612% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.6612% | 4,044 |
| Net charge-offs to loans | 2.5479% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1045% | 3,784 |
| Efficiency ratio | 95.6560% | 747 |
| Assets per employee ($millions) | 4.2049% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9242% | 714 |
| Loan loss allowance to noncurrent loans | 65.7634% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 4.2734% | 890 |
| Noncurrent loans to loans | 4.4465% | 947 |
| Net loans and leases to total assets | 65.5893% | 2,445 |
| Net loans and leases to deposits | 70.0022% | 3,482 |
| Net loans and leases to core deposits | 76.2643% | 3,283 |
| Total domestic deposits to total assets | 93.6960% | 87 |
| Equity capital to assets | 4.9827% | 6,891 |
| Core capital (leverage) ratio | 4.9556% | 6,879 |
| Tier 1 risk-based capital ratio | 7.4813% | 6,878 |
| Total risk-based capital ratio | 8.7530% | 6,880 |
| Memoranda: | ||
| Average total assets | $219,238,500 | 2,878 |
| Average earning assets | $205,433,000 | 2,836 |
| Average equity | $10,925,500 | 4,783 |
| Average total loans | $150,239,000 | 2,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 3,446 |
| Cost of funding earning assets | 0.6476% | 3,931 |
| Net interest margin | 3.8412% | 3,055 |
| Noninterest income to average assets | 0.3265% | 5,121 |
| Noninterest expense to average assets | 4.5714% | 537 |
| Loan and lease loss provision to assets | 0.6417% | 834 |
| Net operating income to assets | -1.2658% | 6,811 |
| Return on assets (ROA) | -1.2406% | 6,819 |
| Pretax return on assets | -1.2727% | 6,794 |
| Return on Equity (ROE) | -23.5226% | 6,914 |
| Retained earnings to average equity (ytd only) | -23.5226% | 6,885 |
| Net charge-offs to loans | 2.3871% | 269 |
| Credit loss provision to net charge-offs | 36.9024% | 4,991 |
| Earnings coverage of net charge-offs (x) | -0.3777% | 5,640 |
| Efficiency ratio | 116.7810% | 240 |
| Assets per employee ($millions) | 4.2273% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4555% | 443 |
| Loan loss allowance to noncurrent loans | 53.0026% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 5.7752% | 622 |
| Noncurrent loans to loans | 6.5194% | 517 |
| Net loans and leases to total assets | 67.0841% | 2,350 |
| Net loans and leases to deposits | 71.6225% | 3,476 |
| Net loans and leases to core deposits | 78.6371% | 3,176 |
| Total domestic deposits to total assets | 93.6635% | 82 |
| Equity capital to assets | 4.9841% | 6,954 |
| Core capital (leverage) ratio | 4.8018% | 6,945 |
| Tier 1 risk-based capital ratio | 7.1971% | 6,945 |
| Total risk-based capital ratio | 8.4761% | 6,944 |
| Memoranda: | ||
| Average total assets | $230,934,600 | 2,712 |
| Average earning assets | $215,714,400 | 2,665 |
| Average equity | $12,179,800 | 4,529 |
| Average total loans | $168,240,400 | 2,327 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 3,398 |
| Cost of funding earning assets | 0.6750% | 3,977 |
| Net interest margin | 3.8826% | 2,976 |
| Noninterest income to average assets | 0.5391% | 3,675 |
| Noninterest expense to average assets | 4.4053% | 599 |
| Loan and lease loss provision to assets | 0.7068% | 719 |
| Net operating income to assets | -0.9504% | 6,843 |
| Return on assets (ROA) | -0.9162% | 6,863 |
| Pretax return on assets | -0.9162% | 6,839 |
| Return on Equity (ROE) | -17.1498% | 6,959 |
| Retained earnings to average equity (ytd only) | -17.1498% | 6,938 |
| Net charge-offs to loans | 2.4905% | 251 |
| Credit loss provision to net charge-offs | 38.5381% | 4,645 |
| Earnings coverage of net charge-offs (x) | -0.1328% | 5,393 |
| Efficiency ratio | 105.8533% | 386 |
| Assets per employee ($millions) | 4.0936% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6842% | 399 |
| Loan loss allowance to noncurrent loans | 55.7786% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 5.9579% | 672 |
| Noncurrent loans to loans | 6.6050% | 573 |
| Net loans and leases to total assets | 67.7535% | 2,329 |
| Net loans and leases to deposits | 72.5024% | 3,534 |
| Net loans and leases to core deposits | 79.4249% | 3,278 |
| Total domestic deposits to total assets | 93.4501% | 87 |
| Equity capital to assets | 5.2552% | 7,034 |
| Core capital (leverage) ratio | 5.1299% | 7,012 |
| Tier 1 risk-based capital ratio | 7.5882% | 7,017 |
| Total risk-based capital ratio | 8.8698% | 7,016 |
| Memoranda: | ||
| Average total assets | $233,713,000 | 2,716 |
| Average earning assets | $218,062,500 | 2,663 |
| Average equity | $12,485,750 | 4,508 |
| Average total loans | $172,114,750 | 2,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 3,766 |
| Cost of funding earning assets | 0.6960% | 4,045 |
| Net interest margin | 3.8031% | 3,343 |
| Noninterest income to average assets | 0.4540% | 4,263 |
| Noninterest expense to average assets | 4.3252% | 636 |
| Loan and lease loss provision to assets | 0.7093% | 759 |
| Net operating income to assets | -1.0280% | 6,920 |
| Return on assets (ROA) | -0.9773% | 6,922 |
| Pretax return on assets | -0.9773% | 6,890 |
| Return on Equity (ROE) | -18.1995% | 7,016 |
| Retained earnings to average equity (ytd only) | -18.1995% | 6,990 |
| Net charge-offs to loans | 2.7449% | 231 |
| Credit loss provision to net charge-offs | 34.5979% | 4,364 |
| Earnings coverage of net charge-offs (x) | -0.1555% | 5,147 |
| Efficiency ratio | 107.9553% | 365 |
| Assets per employee ($millions) | 3.4129% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7055% | 425 |
| Loan loss allowance to noncurrent loans | 32.6721% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 8.8427% | 354 |
| Noncurrent loans to loans | 11.3414% | 196 |
| Net loans and leases to total assets | 69.7162% | 1,969 |
| Net loans and leases to deposits | 74.6088% | 3,189 |
| Net loans and leases to core deposits | 81.3945% | 3,036 |
| Total domestic deposits to total assets | 93.4423% | 99 |
| Equity capital to assets | 5.2814% | 7,083 |
| Core capital (leverage) ratio | 5.1744% | 7,056 |
| Tier 1 risk-based capital ratio | 7.5465% | 7,061 |
| Total risk-based capital ratio | 8.8291% | 7,063 |
| Memoranda: | ||
| Average total assets | $236,568,330 | 2,696 |
| Average earning assets | $220,975,000 | 2,637 |
| Average equity | $12,703,670 | 4,457 |
| Average total loans | $176,693,000 | 2,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 4,400 |
| Cost of funding earning assets | 0.7353% | 3,982 |
| Net interest margin | 3.6460% | 4,063 |
| Noninterest income to average assets | 0.2010% | 6,188 |
| Noninterest expense to average assets | 4.2544% | 697 |
| Loan and lease loss provision to assets | 0.9447% | 454 |
| Net operating income to assets | -1.6012% | 7,107 |
| Return on assets (ROA) | -1.5008% | 7,098 |
| Pretax return on assets | -1.5008% | 7,077 |
| Return on Equity (ROE) | -27.7249% | 7,156 |
| Retained earnings to average equity (ytd only) | -27.7249% | 7,114 |
| Net charge-offs to loans | 4.8412% | 100 |
| Credit loss provision to net charge-offs | 25.7417% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.1789% | 4,429 |
| Efficiency ratio | 118.2495% | 238 |
| Assets per employee ($millions) | 3.4494% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4589% | 551 |
| Loan loss allowance to noncurrent loans | 26.4647% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 11.2181% | 235 |
| Noncurrent loans to loans | 13.0698% | 163 |
| Net loans and leases to total assets | 73.5858% | 1,130 |
| Net loans and leases to deposits | 78.6994% | 2,383 |
| Net loans and leases to core deposits | 85.7697% | 2,319 |
| Total domestic deposits to total assets | 93.5023% | 114 |
| Equity capital to assets | 5.2835% | 7,124 |
| Core capital (leverage) ratio | 5.1835% | 7,104 |
| Tier 1 risk-based capital ratio | 7.1626% | 7,120 |
| Total risk-based capital ratio | 8.4416% | 7,120 |
| Memoranda: | ||
| Average total assets | $238,813,500 | 2,683 |
| Average earning assets | $222,488,500 | 2,633 |
| Average equity | $12,927,000 | 4,416 |
| Average total loans | $181,028,500 | 2,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 3,293 |
| Cost of funding earning assets | 1.0090% | 3,304 |
| Net interest margin | 3.9052% | 3,317 |
| Noninterest income to average assets | 0.3349% | 5,138 |
| Noninterest expense to average assets | 3.9437% | 1,123 |
| Loan and lease loss provision to assets | 1.5697% | 458 |
| Net operating income to assets | -1.5521% | 6,916 |
| Return on assets (ROA) | -1.4991% | 6,928 |
| Pretax return on assets | -1.4991% | 6,896 |
| Return on Equity (ROE) | -24.7924% | 7,044 |
| Retained earnings to average equity (ytd only) | -24.7924% | 7,034 |
| Net charge-offs to loans | 1.0074% | 1,727 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 0.0224% | 5,803 |
| Efficiency ratio | 99.5571% | 691 |
| Assets per employee ($millions) | 3.4724% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2620% | 306 |
| Loan loss allowance to noncurrent loans | 44.2249% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 8.6132% | 433 |
| Noncurrent loans to loans | 9.6371% | 345 |
| Net loans and leases to total assets | 72.1856% | 1,617 |
| Net loans and leases to deposits | 77.3708% | 2,944 |
| Net loans and leases to core deposits | 83.6356% | 2,939 |
| Total domestic deposits to total assets | 93.2982% | 123 |
| Equity capital to assets | 5.5380% | 7,128 |
| Core capital (leverage) ratio | 5.3360% | 7,112 |
| Tier 1 risk-based capital ratio | 7.4469% | 7,136 |
| Total risk-based capital ratio | 8.7356% | 7,137 |
| Memoranda: | ||
| Average total assets | $256,484,400 | 2,456 |
| Average earning assets | $238,167,200 | 2,420 |
| Average equity | $15,508,800 | 3,816 |
| Average total loans | $199,814,000 | 2,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 3,164 |
| Cost of funding earning assets | 1.0651% | 3,212 |
| Net interest margin | 3.9198% | 3,281 |
| Noninterest income to average assets | 0.5747% | 3,337 |
| Noninterest expense to average assets | 3.8839% | 1,180 |
| Loan and lease loss provision to assets | 0.4618% | 2,146 |
| Net operating income to assets | -0.1319% | 6,315 |
| Return on assets (ROA) | -0.0621% | 6,332 |
| Pretax return on assets | -0.0621% | 6,295 |
| Return on Equity (ROE) | -1.0070% | 6,380 |
| Retained earnings to average equity (ytd only) | -1.0070% | 6,156 |
| Net charge-offs to loans | 0.8675% | 1,831 |
| Credit loss provision to net charge-offs | 67.8222% | 4,553 |
| Earnings coverage of net charge-offs (x) | 0.4846% | 5,257 |
| Efficiency ratio | 92.1700% | 1,023 |
| Assets per employee ($millions) | 3.6243% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8410% | 993 |
| Loan loss allowance to noncurrent loans | 43.2076% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 5.5787% | 992 |
| Noncurrent loans to loans | 6.5753% | 796 |
| Net loans and leases to total assets | 73.4639% | 1,415 |
| Net loans and leases to deposits | 79.8659% | 2,672 |
| Net loans and leases to core deposits | 85.7215% | 2,816 |
| Total domestic deposits to total assets | 91.9840% | 216 |
| Equity capital to assets | 6.8068% | 7,087 |
| Core capital (leverage) ratio | 6.6961% | 7,036 |
| Tier 1 risk-based capital ratio | 9.2712% | 7,086 |
| Total risk-based capital ratio | 10.4598% | 7,085 |
| Memoranda: | ||
| Average total assets | $259,838,500 | 2,438 |
| Average earning assets | $241,228,000 | 2,399 |
| Average equity | $16,020,750 | 3,733 |
| Average total loans | $203,949,750 | 2,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 2,756 |
| Cost of funding earning assets | 1.0995% | 3,245 |
| Net interest margin | 3.9853% | 2,910 |
| Noninterest income to average assets | 0.6066% | 3,088 |
| Noninterest expense to average assets | 3.8823% | 1,224 |
| Loan and lease loss provision to assets | 0.2661% | 3,273 |
| Net operating income to assets | 0.1452% | 5,897 |
| Return on assets (ROA) | 0.1452% | 5,992 |
| Pretax return on assets | 0.1452% | 6,030 |
| Return on Equity (ROE) | 2.4351% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.4351% | 4,738 |
| Net charge-offs to loans | 0.6204% | 2,285 |
| Credit loss provision to net charge-offs | 54.0123% | 4,488 |
| Earnings coverage of net charge-offs (x) | 0.8349% | 4,674 |
| Efficiency ratio | 90.4214% | 1,215 |
| Assets per employee ($millions) | 3.8805% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7736% | 1,103 |
| Loan loss allowance to noncurrent loans | 47.5043% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 4.8086% | 1,291 |
| Noncurrent loans to loans | 5.8385% | 1,044 |
| Net loans and leases to total assets | 74.1703% | 1,382 |
| Net loans and leases to deposits | 80.4445% | 2,716 |
| Net loans and leases to core deposits | 86.1648% | 2,880 |
| Total domestic deposits to total assets | 92.2005% | 202 |
| Equity capital to assets | 6.6260% | 7,166 |
| Core capital (leverage) ratio | 6.6028% | 7,105 |
| Tier 1 risk-based capital ratio | 8.9344% | 7,184 |
| Total risk-based capital ratio | 10.2051% | 7,181 |
| Memoranda: | ||
| Average total assets | $263,093,330 | 2,427 |
| Average earning assets | $243,393,330 | 2,386 |
| Average equity | $15,687,000 | 3,786 |
| Average total loans | $208,904,330 | 2,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 3,016 |
| Cost of funding earning assets | 1.1205% | 3,375 |
| Net interest margin | 3.8987% | 3,143 |
| Noninterest income to average assets | 0.6847% | 2,659 |
| Noninterest expense to average assets | 3.7892% | 1,357 |
| Loan and lease loss provision to assets | 0.2267% | 3,391 |
| Net operating income to assets | 0.2554% | 5,595 |
| Return on assets (ROA) | 0.2554% | 5,659 |
| Pretax return on assets | 0.2554% | 5,794 |
| Return on Equity (ROE) | 4.5317% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.5317% | 3,453 |
| Net charge-offs to loans | -0.3418% | 7,356 |
| Credit loss provision to net charge-offs | -81.9672% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7120% | 1,440 |
| Assets per employee ($millions) | 3.8654% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 969 |
| Loan loss allowance to noncurrent loans | 40.2019% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 6.3169% | 893 |
| Noncurrent loans to loans | 7.3077% | 725 |
| Net loans and leases to total assets | 75.9589% | 1,036 |
| Net loans and leases to deposits | 81.5943% | 2,428 |
| Net loans and leases to core deposits | 88.0303% | 2,596 |
| Total domestic deposits to total assets | 93.0934% | 131 |
| Equity capital to assets | 5.6293% | 7,329 |
| Core capital (leverage) ratio | 5.8426% | 7,275 |
| Tier 1 risk-based capital ratio | 7.3993% | 7,334 |
| Total risk-based capital ratio | 8.6737% | 7,337 |
| Memoranda: | ||
| Average total assets | $264,644,500 | 2,430 |
| Average earning assets | $243,464,500 | 2,414 |
| Average equity | $14,917,000 | 3,916 |
| Average total loans | $214,188,000 | 1,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 1,776 |
| Cost of funding earning assets | 1.5950% | 2,098 |
| Net interest margin | 4.0428% | 2,832 |
| Noninterest income to average assets | 0.5766% | 3,613 |
| Noninterest expense to average assets | 3.9683% | 1,209 |
| Loan and lease loss provision to assets | 2.1630% | 581 |
| Net operating income to assets | -2.6488% | 7,218 |
| Return on assets (ROA) | -2.5218% | 7,200 |
| Pretax return on assets | -1.7389% | 6,937 |
| Return on Equity (ROE) | -34.2834% | 7,286 |
| Retained earnings to average equity (ytd only) | -34.2834% | 7,275 |
| Net charge-offs to loans | 1.7410% | 1,236 |
| Credit loss provision to net charge-offs | 147.9051% | 2,471 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 5,905 |
| Efficiency ratio | 92.8435% | 1,129 |
| Assets per employee ($millions) | 3.6982% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6401% | 1,241 |
| Loan loss allowance to noncurrent loans | 56.3119% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 4.8946% | 1,319 |
| Noncurrent loans to loans | 4.6883% | 1,484 |
| Net loans and leases to total assets | 81.4442% | 496 |
| Net loans and leases to deposits | 87.6471% | 1,842 |
| Net loans and leases to core deposits | 96.3293% | 1,968 |
| Total domestic deposits to total assets | 92.9228% | 145 |
| Equity capital to assets | 5.6441% | 7,388 |
| Core capital (leverage) ratio | 5.6288% | 7,350 |
| Tier 1 risk-based capital ratio | 7.0243% | 7,420 |
| Total risk-based capital ratio | 8.2925% | 7,422 |
| Memoranda: | ||
| Average total assets | $270,920,000 | 2,355 |
| Average earning assets | $247,205,400 | 2,362 |
| Average equity | $19,928,000 | 3,156 |
| Average total loans | $227,574,000 | 1,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 1,691 |
| Cost of funding earning assets | 1.6551% | 2,073 |
| Net interest margin | 4.0507% | 2,855 |
| Noninterest income to average assets | 0.5382% | 3,878 |
| Noninterest expense to average assets | 3.7278% | 1,513 |
| Loan and lease loss provision to assets | 2.4956% | 423 |
| Net operating income to assets | -1.9931% | 7,238 |
| Return on assets (ROA) | -1.8251% | 7,204 |
| Pretax return on assets | -1.8251% | 7,146 |
| Return on Equity (ROE) | -23.4970% | 7,286 |
| Retained earnings to average equity (ytd only) | -23.4970% | 7,276 |
| Net charge-offs to loans | 1.1326% | 1,800 |
| Credit loss provision to net charge-offs | 262.0513% | 1,261 |
| Earnings coverage of net charge-offs (x) | 0.5277% | 5,500 |
| Efficiency ratio | 87.8665% | 1,458 |
| Assets per employee ($millions) | 3.5261% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1209% | 749 |
| Loan loss allowance to noncurrent loans | 72.6889% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 4.0615% | 1,713 |
| Noncurrent loans to loans | 4.2934% | 1,695 |
| Net loans and leases to total assets | 82.8837% | 418 |
| Net loans and leases to deposits | 90.2173% | 1,698 |
| Net loans and leases to core deposits | 100.8322% | 1,765 |
| Total domestic deposits to total assets | 91.8712% | 212 |
| Equity capital to assets | 6.8930% | 7,368 |
| Core capital (leverage) ratio | 6.3540% | 7,371 |
| Tier 1 risk-based capital ratio | 7.7255% | 7,502 |
| Total risk-based capital ratio | 8.9996% | 7,504 |
| Memoranda: | ||
| Average total assets | $273,006,250 | 2,370 |
| Average earning assets | $248,840,250 | 2,388 |
| Average equity | $21,205,000 | 3,021 |
| Average total loans | $229,554,750 | 1,922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 1,487 |
| Cost of funding earning assets | 1.7079% | 2,082 |
| Net interest margin | 4.0702% | 2,699 |
| Noninterest income to average assets | 0.5865% | 3,435 |
| Noninterest expense to average assets | 3.6679% | 1,627 |
| Loan and lease loss provision to assets | 0.2900% | 4,066 |
| Net operating income to assets | 0.2936% | 5,205 |
| Return on assets (ROA) | 0.2936% | 5,356 |
| Pretax return on assets | 0.3350% | 5,408 |
| Return on Equity (ROE) | 3.6491% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.6491% | 3,778 |
| Net charge-offs to loans | 1.5564% | 1,225 |
| Credit loss provision to net charge-offs | 22.2841% | 5,830 |
| Earnings coverage of net charge-offs (x) | 0.4802% | 5,240 |
| Efficiency ratio | 85.0701% | 1,811 |
| Assets per employee ($millions) | 3.7118% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 5,988 |
| Loan loss allowance to noncurrent loans | 30.5572% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 3.7081% | 1,886 |
| Noncurrent loans to loans | 3.5695% | 2,209 |
| Net loans and leases to total assets | 82.7328% | 464 |
| Net loans and leases to deposits | 93.5507% | 1,333 |
| Net loans and leases to core deposits | 104.4234% | 1,599 |
| Total domestic deposits to total assets | 88.4363% | 1,767 |
| Equity capital to assets | 8.1738% | 6,572 |
| Core capital (leverage) ratio | 7.8002% | 6,497 |
| Tier 1 risk-based capital ratio | 9.1704% | 7,381 |
| Total risk-based capital ratio | 10.2573% | 7,427 |
| Memoranda: | ||
| Average total assets | $275,856,330 | 2,363 |
| Average earning assets | $251,192,330 | 2,383 |
| Average equity | $22,197,000 | 2,900 |
| Average total loans | $230,655,670 | 1,939 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8207% | 1,400 |
| Cost of funding earning assets | 1.8370% | 1,710 |
| Net interest margin | 3.9837% | 2,941 |
| Noninterest income to average assets | 0.6540% | 2,906 |
| Noninterest expense to average assets | 3.5927% | 1,753 |
| Loan and lease loss provision to assets | 0.2604% | 3,953 |
| Net operating income to assets | 0.3487% | 5,085 |
| Return on assets (ROA) | 0.3487% | 5,207 |
| Pretax return on assets | 0.4312% | 5,187 |
| Return on Equity (ROE) | 4.3679% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.3679% | 3,530 |
| Net charge-offs to loans | 2.1254% | 799 |
| Credit loss provision to net charge-offs | 14.6580% | 5,003 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 4,687 |
| Efficiency ratio | 83.1138% | 2,128 |
| Assets per employee ($millions) | 3.9814% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 5,332 |
| Loan loss allowance to noncurrent loans | 53.8810% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7453% | 2,649 |
| Noncurrent loans to loans | 2.2834% | 3,410 |
| Net loans and leases to total assets | 82.1817% | 574 |
| Net loans and leases to deposits | 92.3283% | 1,568 |
| Net loans and leases to core deposits | 103.7611% | 1,763 |
| Total domestic deposits to total assets | 89.0102% | 1,511 |
| Equity capital to assets | 7.9711% | 6,687 |
| Core capital (leverage) ratio | 7.7132% | 6,611 |
| Tier 1 risk-based capital ratio | 9.0252% | 7,470 |
| Total risk-based capital ratio | 10.2525% | 7,489 |
| Memoranda: | ||
| Average total assets | $276,449,000 | 2,416 |
| Average earning assets | $251,927,000 | 2,426 |
| Average equity | $22,070,000 | 2,937 |
| Average total loans | $231,109,000 | 1,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7801% | 2,741 |
| Cost of funding earning assets | 2.1486% | 2,242 |
| Net interest margin | 3.6315% | 4,423 |
| Noninterest income to average assets | 0.7228% | 2,834 |
| Noninterest expense to average assets | 4.5723% | 737 |
| Loan and lease loss provision to assets | 2.0486% | 1,043 |
| Net operating income to assets | -1.5020% | 6,857 |
| Return on assets (ROA) | -1.4715% | 6,847 |
| Pretax return on assets | -2.5291% | 7,152 |
| Return on Equity (ROE) | -17.0145% | 7,032 |
| Retained earnings to average equity (ytd only) | -17.0145% | 6,987 |
| Net charge-offs to loans | 1.4754% | 1,697 |
| Credit loss provision to net charge-offs | 168.7361% | 2,541 |
| Earnings coverage of net charge-offs (x) | -0.4349% | 6,655 |
| Efficiency ratio | 94.8867% | 1,355 |
| Assets per employee ($millions) | 3.9172% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 2,912 |
| Loan loss allowance to noncurrent loans | 84.6939% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.7750% | 2,517 |
| Noncurrent loans to loans | 1.9998% | 3,651 |
| Net loans and leases to total assets | 82.5767% | 599 |
| Net loans and leases to deposits | 94.1931% | 1,572 |
| Net loans and leases to core deposits | 119.9861% | 1,947 |
| Total domestic deposits to total assets | 87.6675% | 2,138 |
| Equity capital to assets | 7.9959% | 6,587 |
| Core capital (leverage) ratio | 8.1356% | 5,937 |
| Tier 1 risk-based capital ratio | 9.4522% | 7,258 |
| Total risk-based capital ratio | 10.7073% | 7,231 |
| Memoranda: | ||
| Average total assets | $258,710,800 | 2,534 |
| Average earning assets | $236,624,200 | 2,535 |
| Average equity | $22,375,000 | 2,901 |
| Average total loans | $212,890,600 | 2,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8673% | 2,595 |
| Cost of funding earning assets | 2.2154% | 2,332 |
| Net interest margin | 3.6519% | 4,266 |
| Noninterest income to average assets | 0.7042% | 2,990 |
| Noninterest expense to average assets | 3.5420% | 2,166 |
| Loan and lease loss provision to assets | 2.5794% | 633 |
| Net operating income to assets | -2.0513% | 7,342 |
| Return on assets (ROA) | -1.9876% | 7,314 |
| Pretax return on assets | -2.0065% | 7,187 |
| Return on Equity (ROE) | -22.5246% | 7,455 |
| Retained earnings to average equity (ytd only) | -22.5246% | 7,423 |
| Net charge-offs to loans | 1.1912% | 1,704 |
| Credit loss provision to net charge-offs | 264.6269% | 1,605 |
| Earnings coverage of net charge-offs (x) | 0.5217% | 5,507 |
| Efficiency ratio | 86.2439% | 2,036 |
| Assets per employee ($millions) | 3.8556% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1942% | 1,432 |
| Loan loss allowance to noncurrent loans | 78.3793% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 3.8241% | 1,689 |
| Noncurrent loans to loans | 2.7994% | 2,715 |
| Net loans and leases to total assets | 81.7278% | 855 |
| Net loans and leases to deposits | 93.8839% | 1,900 |
| Net loans and leases to core deposits | 119.2206% | 2,314 |
| Total domestic deposits to total assets | 87.0520% | 2,154 |
| Equity capital to assets | 8.2195% | 6,616 |
| Core capital (leverage) ratio | 7.5631% | 6,905 |
| Tier 1 risk-based capital ratio | 8.8401% | 7,669 |
| Total risk-based capital ratio | 10.1058% | 7,691 |
| Memoranda: | ||
| Average total assets | $254,838,000 | 2,577 |
| Average earning assets | $233,513,500 | 2,581 |
| Average equity | $22,487,500 | 2,914 |
| Average total loans | $208,531,250 | 2,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9851% | 2,243 |
| Cost of funding earning assets | 2.2376% | 2,636 |
| Net interest margin | 3.7475% | 3,762 |
| Noninterest income to average assets | 0.6894% | 3,060 |
| Noninterest expense to average assets | 3.3995% | 2,629 |
| Loan and lease loss provision to assets | 0.6577% | 2,458 |
| Net operating income to assets | 0.1315% | 5,471 |
| Return on assets (ROA) | 0.1315% | 5,578 |
| Pretax return on assets | 0.0681% | 5,744 |
| Return on Equity (ROE) | 1.4561% | 5,475 |
| Retained earnings to average equity (ytd only) | 1.4561% | 4,518 |
| Net charge-offs to loans | 0.2117% | 4,189 |
| Credit loss provision to net charge-offs | 382.4885% | 1,212 |
| Earnings coverage of net charge-offs (x) | 4.2212% | 3,170 |
| Efficiency ratio | 81.2140% | 2,847 |
| Assets per employee ($millions) | 3.7533% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 5,502 |
| Loan loss allowance to noncurrent loans | 55.4194% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.4465% | 2,637 |
| Noncurrent loans to loans | 2.0098% | 3,504 |
| Net loans and leases to total assets | 81.8166% | 986 |
| Net loans and leases to deposits | 96.6038% | 1,713 |
| Net loans and leases to core deposits | 120.7492% | 2,296 |
| Total domestic deposits to total assets | 84.6929% | 3,398 |
| Equity capital to assets | 9.3750% | 4,780 |
| Core capital (leverage) ratio | 8.7871% | 4,960 |
| Tier 1 risk-based capital ratio | 10.3486% | 6,532 |
| Total risk-based capital ratio | 11.4554% | 6,635 |
| Memoranda: | ||
| Average total assets | $252,390,670 | 2,608 |
| Average earning assets | $231,407,330 | 2,618 |
| Average equity | $22,800,000 | 2,876 |
| Average total loans | $205,014,670 | 2,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 2,724 |
| Cost of funding earning assets | 2.1998% | 3,168 |
| Net interest margin | 3.7167% | 3,823 |
| Noninterest income to average assets | 0.6200% | 3,412 |
| Noninterest expense to average assets | 3.4203% | 2,299 |
| Loan and lease loss provision to assets | 0.2470% | 3,999 |
| Net operating income to assets | 0.3331% | 5,147 |
| Return on assets (ROA) | 0.3331% | 5,334 |
| Pretax return on assets | 0.3698% | 5,483 |
| Return on Equity (ROE) | 3.7596% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.7596% | 3,808 |
| Net charge-offs to loans | 0.0733% | 4,454 |
| Credit loss provision to net charge-offs | 418.9189% | 1,260 |
| Earnings coverage of net charge-offs (x) | 10.4595% | 1,951 |
| Efficiency ratio | 83.4978% | 2,357 |
| Assets per employee ($millions) | 3.6444% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,731 |
| Loan loss allowance to noncurrent loans | 33.5441% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 2.9541% | 1,914 |
| Noncurrent loans to loans | 2.6928% | 2,440 |
| Net loans and leases to total assets | 79.8608% | 1,415 |
| Net loans and leases to deposits | 98.0853% | 1,650 |
| Net loans and leases to core deposits | 119.9690% | 2,416 |
| Total domestic deposits to total assets | 81.4198% | 4,785 |
| Equity capital to assets | 9.3346% | 4,881 |
| Core capital (leverage) ratio | 8.7975% | 4,993 |
| Tier 1 risk-based capital ratio | 10.5903% | 6,303 |
| Total risk-based capital ratio | 11.4842% | 6,590 |
| Memoranda: | ||
| Average total assets | $250,975,000 | 2,632 |
| Average earning assets | $230,743,500 | 2,637 |
| Average equity | $22,236,500 | 2,949 |
| Average total loans | $201,939,000 | 2,349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6448% | 2,269 |
| Cost of funding earning assets | 2.7803% | 2,784 |
| Net interest margin | 3.8645% | 3,728 |
| Noninterest income to average assets | 0.6617% | 3,394 |
| Noninterest expense to average assets | 3.3257% | 2,878 |
| Loan and lease loss provision to assets | 0.4502% | 3,039 |
| Net operating income to assets | 0.2821% | 5,604 |
| Return on assets (ROA) | 0.2821% | 5,413 |
| Pretax return on assets | 0.4057% | 5,249 |
| Return on Equity (ROE) | 3.2090% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.2090% | 3,153 |
| Net charge-offs to loans | 0.2773% | 3,548 |
| Credit loss provision to net charge-offs | 203.1873% | 2,392 |
| Earnings coverage of net charge-offs (x) | 3.8625% | 4,203 |
| Efficiency ratio | 78.2118% | 2,887 |
| Assets per employee ($millions) | 3.2913% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,795 |
| Loan loss allowance to noncurrent loans | 54.1224% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 3,629 |
| Noncurrent loans to loans | 1.6148% | 3,347 |
| Net loans and leases to total assets | 79.6285% | 1,746 |
| Net loans and leases to deposits | 102.8120% | 1,492 |
| Net loans and leases to core deposits | 129.5077% | 1,886 |
| Total domestic deposits to total assets | 77.4506% | 5,888 |
| Equity capital to assets | 8.3696% | 6,310 |
| Core capital (leverage) ratio | 8.3724% | 5,814 |
| Tier 1 risk-based capital ratio | 9.5173% | 7,285 |
| Total risk-based capital ratio | 10.3964% | 7,635 |
| Memoranda: | ||
| Average total assets | $226,541,600 | 2,810 |
| Average earning assets | $206,341,800 | 2,814 |
| Average equity | $19,913,000 | 3,240 |
| Average total loans | $181,042,200 | 2,490 |