Home > Panhandle State Bank > Performance and Condition Ratios
Panhandle State Bank, 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 | 3.8968% | 4,186 |
| Cost of funding earning assets | 0.2192% | 5,677 |
| Net interest margin | 3.6776% | 3,117 |
| Noninterest income to average assets | 0.9304% | 1,418 |
| Noninterest expense to average assets | 3.3490% | 1,792 |
| Loan and lease loss provision to assets | -0.0388% | 6,147 |
| Net operating income to assets | 0.6382% | 4,265 |
| Return on assets (ROA) | 0.7054% | 4,018 |
| Pretax return on assets | 1.0196% | 3,520 |
| Return on Equity (ROE) | 5.8899% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.8280% | 3,930 |
| Net charge-offs to loans | 0.0118% | 4,328 |
| Credit loss provision to net charge-offs | -580.4348% | 5,780 |
| Earnings coverage of net charge-offs (x) | 132.1996% | 451 |
| Efficiency ratio | 79.0596% | 2,047 |
| Assets per employee ($millions) | 3.5512% | 4,769 |
| Cash dividends to net income (ytd only)* | 35.0083% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,035 |
| Loan loss allowance to noncurrent loans | 274.3304% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 3,702 |
| Noncurrent loans to loans | 0.5210% | 4,375 |
| Net loans and leases to total assets | 55.9412% | 4,339 |
| Net loans and leases to deposits | 70.7509% | 3,825 |
| Net loans and leases to core deposits | 75.7312% | 3,775 |
| Total domestic deposits to total assets | 79.0679% | 5,310 |
| Equity capital to assets | 12.3991% | 1,773 |
| Core capital (leverage) ratio | 10.9191% | 2,563 |
| Tier 1 risk-based capital ratio | 17.0475% | 2,602 |
| Total risk-based capital ratio | 18.2977% | 2,548 |
| Memoranda: | ||
| Average total assets | $917,820,000 | 731 |
| Average earning assets | $824,067,750 | 742 |
| Average equity | $109,925,000 | 665 |
| Average total loans | $521,161,750 | 851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,256 |
| Cost of funding earning assets | 0.2266% | 5,691 |
| Net interest margin | 3.6454% | 3,164 |
| Noninterest income to average assets | 0.9099% | 1,466 |
| Noninterest expense to average assets | 3.3004% | 1,921 |
| Loan and lease loss provision to assets | 0.0215% | 3,846 |
| Net operating income to assets | 0.6059% | 4,331 |
| Return on assets (ROA) | 0.6328% | 4,293 |
| Pretax return on assets | 0.8934% | 3,912 |
| Return on Equity (ROE) | 5.3453% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.0608% | 3,585 |
| Net charge-offs to loans | 0.0398% | 3,434 |
| Credit loss provision to net charge-offs | 95.1923% | 2,094 |
| Earnings coverage of net charge-offs (x) | 38.8269% | 1,079 |
| Efficiency ratio | 78.8998% | 2,182 |
| Assets per employee ($millions) | 3.4484% | 4,953 |
| Cash dividends to net income (ytd only)* | 24.0302% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 3,112 |
| Loan loss allowance to noncurrent loans | 224.5835% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 3,649 |
| Noncurrent loans to loans | 0.6455% | 4,094 |
| Net loans and leases to total assets | 56.9428% | 4,123 |
| Net loans and leases to deposits | 73.6965% | 3,359 |
| Net loans and leases to core deposits | 78.8138% | 3,340 |
| Total domestic deposits to total assets | 77.2666% | 5,766 |
| Equity capital to assets | 12.1474% | 1,885 |
| Core capital (leverage) ratio | 10.7050% | 2,719 |
| Tier 1 risk-based capital ratio | 16.0587% | 3,060 |
| Total risk-based capital ratio | 17.3092% | 2,996 |
| Memoranda: | ||
| Average total assets | $920,727,670 | 728 |
| Average earning assets | $825,324,330 | 744 |
| Average equity | $108,993,330 | 668 |
| Average total loans | $522,904,330 | 839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,616 |
| Cost of funding earning assets | 0.2334% | 5,723 |
| Net interest margin | 3.5320% | 3,558 |
| Noninterest income to average assets | 0.8712% | 1,482 |
| Noninterest expense to average assets | 3.1247% | 2,459 |
| Loan and lease loss provision to assets | 0.0447% | 3,208 |
| Net operating income to assets | 0.6916% | 3,731 |
| Return on assets (ROA) | 0.6934% | 3,799 |
| Pretax return on assets | 0.8668% | 3,838 |
| Return on Equity (ROE) | 5.9344% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.8210% | 3,215 |
| Net charge-offs to loans | 0.0085% | 3,456 |
| Credit loss provision to net charge-offs | 936.3636% | 331 |
| Earnings coverage of net charge-offs (x) | 190.6364% | 258 |
| Efficiency ratio | 77.3299% | 2,589 |
| Assets per employee ($millions) | 3.4258% | 5,089 |
| Cash dividends to net income (ytd only)* | 18.7617% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,105 |
| Loan loss allowance to noncurrent loans | 172.1780% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 3,447 |
| Noncurrent loans to loans | 0.8765% | 3,698 |
| Net loans and leases to total assets | 55.9201% | 4,151 |
| Net loans and leases to deposits | 70.0012% | 3,601 |
| Net loans and leases to core deposits | 74.8755% | 3,547 |
| Total domestic deposits to total assets | 79.8846% | 5,505 |
| Equity capital to assets | 11.9847% | 1,880 |
| Core capital (leverage) ratio | 10.4134% | 3,029 |
| Tier 1 risk-based capital ratio | 16.0817% | 3,136 |
| Total risk-based capital ratio | 17.3328% | 3,087 |
| Memoranda: | ||
| Average total assets | $922,457,500 | 734 |
| Average earning assets | $826,049,500 | 751 |
| Average equity | $107,778,000 | 674 |
| Average total loans | $519,356,000 | 846 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 4,152 |
| Cost of funding earning assets | 0.2710% | 5,824 |
| Net interest margin | 3.7087% | 3,019 |
| Noninterest income to average assets | 1.0145% | 1,364 |
| Noninterest expense to average assets | 3.5363% | 1,574 |
| Loan and lease loss provision to assets | 0.0595% | 3,950 |
| Net operating income to assets | 1.0898% | 1,962 |
| Return on assets (ROA) | 1.1152% | 1,952 |
| Pretax return on assets | 0.7788% | 4,229 |
| Return on Equity (ROE) | 8.7751% | 2,655 |
| Retained earnings to average equity (ytd only) | -8.2306% | 6,500 |
| Net charge-offs to loans | 0.1553% | 3,253 |
| Credit loss provision to net charge-offs | 68.5890% | 3,343 |
| Earnings coverage of net charge-offs (x) | 9.3706% | 2,515 |
| Efficiency ratio | 81.1798% | 1,992 |
| Assets per employee ($millions) | 3.4578% | 4,983 |
| Cash dividends to net income (ytd only)* | 193.7947% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,336 |
| Loan loss allowance to noncurrent loans | 288.0105% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 4,213 |
| Noncurrent loans to loans | 0.5101% | 4,721 |
| Net loans and leases to total assets | 55.0202% | 4,456 |
| Net loans and leases to deposits | 71.5135% | 3,586 |
| Net loans and leases to core deposits | 73.4693% | 3,896 |
| Total domestic deposits to total assets | 76.9368% | 5,980 |
| Equity capital to assets | 11.3923% | 2,243 |
| Core capital (leverage) ratio | 10.0647% | 3,475 |
| Tier 1 risk-based capital ratio | 15.7017% | 3,250 |
| Total risk-based capital ratio | 16.9527% | 3,209 |
| Memoranda: | ||
| Average total assets | $939,334,400 | 706 |
| Average earning assets | $844,639,000 | 706 |
| Average equity | $119,371,600 | 598 |
| Average total loans | $524,745,800 | 811 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,192 |
| Cost of funding earning assets | 0.2806% | 5,885 |
| Net interest margin | 3.7040% | 3,019 |
| Noninterest income to average assets | 1.0077% | 1,431 |
| Noninterest expense to average assets | 3.3977% | 1,831 |
| Loan and lease loss provision to assets | 0.0488% | 4,037 |
| Net operating income to assets | 0.8940% | 2,862 |
| Return on assets (ROA) | 0.9395% | 2,753 |
| Pretax return on assets | 0.9395% | 3,723 |
| Return on Equity (ROE) | 7.2070% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,786 |
| Net charge-offs to loans | 0.0655% | 3,980 |
| Credit loss provision to net charge-offs | 133.3333% | 1,769 |
| Earnings coverage of net charge-offs (x) | 25.7598% | 1,375 |
| Efficiency ratio | 78.1489% | 2,398 |
| Assets per employee ($millions) | 3.4468% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,385 |
| Loan loss allowance to noncurrent loans | 281.7544% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 4,191 |
| Noncurrent loans to loans | 0.5386% | 4,846 |
| Net loans and leases to total assets | 56.4132% | 4,262 |
| Net loans and leases to deposits | 71.7841% | 3,538 |
| Net loans and leases to core deposits | 73.8144% | 3,872 |
| Total domestic deposits to total assets | 78.5874% | 5,817 |
| Equity capital to assets | 13.4296% | 1,152 |
| Core capital (leverage) ratio | 12.2611% | 1,543 |
| Tier 1 risk-based capital ratio | 18.8293% | 2,039 |
| Total risk-based capital ratio | 20.0805% | 2,003 |
| Memoranda: | ||
| Average total assets | $939,901,750 | 707 |
| Average earning assets | $845,687,500 | 707 |
| Average equity | $122,526,250 | 584 |
| Average total loans | $525,116,750 | 811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 4,196 |
| Cost of funding earning assets | 0.2901% | 5,902 |
| Net interest margin | 3.6875% | 3,000 |
| Noninterest income to average assets | 1.0187% | 1,476 |
| Noninterest expense to average assets | 3.3896% | 1,846 |
| Loan and lease loss provision to assets | 0.0901% | 3,283 |
| Net operating income to assets | 0.8581% | 3,003 |
| Return on assets (ROA) | 0.8878% | 3,016 |
| Pretax return on assets | 0.8878% | 3,958 |
| Return on Equity (ROE) | 6.8777% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.8777% | 1,943 |
| Net charge-offs to loans | 0.1249% | 3,127 |
| Credit loss provision to net charge-offs | 130.2752% | 1,740 |
| Earnings coverage of net charge-offs (x) | 13.7064% | 1,880 |
| Efficiency ratio | 77.9983% | 2,452 |
| Assets per employee ($millions) | 3.4851% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,532 |
| Loan loss allowance to noncurrent loans | 167.5417% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 3,754 |
| Noncurrent loans to loans | 0.9022% | 4,122 |
| Net loans and leases to total assets | 56.3093% | 4,233 |
| Net loans and leases to deposits | 73.3619% | 3,246 |
| Net loans and leases to core deposits | 75.3080% | 3,636 |
| Total domestic deposits to total assets | 76.7554% | 6,163 |
| Equity capital to assets | 13.0372% | 1,330 |
| Core capital (leverage) ratio | 12.1153% | 1,556 |
| Tier 1 risk-based capital ratio | 18.4673% | 2,154 |
| Total risk-based capital ratio | 19.7184% | 2,114 |
| Memoranda: | ||
| Average total assets | $945,292,330 | 700 |
| Average earning assets | $850,869,330 | 702 |
| Average equity | $122,017,330 | 588 |
| Average total loans | $523,777,000 | 802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 4,442 |
| Cost of funding earning assets | 0.3026% | 5,948 |
| Net interest margin | 3.6051% | 3,238 |
| Noninterest income to average assets | 0.9518% | 1,609 |
| Noninterest expense to average assets | 3.3417% | 1,981 |
| Loan and lease loss provision to assets | 0.0752% | 3,376 |
| Net operating income to assets | 0.7810% | 3,274 |
| Return on assets (ROA) | 0.7805% | 3,412 |
| Pretax return on assets | 0.7805% | 4,251 |
| Return on Equity (ROE) | 6.0767% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.0767% | 2,637 |
| Net charge-offs to loans | 0.3418% | 1,620 |
| Credit loss provision to net charge-offs | 40.3153% | 2,743 |
| Earnings coverage of net charge-offs (x) | 4.5923% | 2,519 |
| Efficiency ratio | 79.4359% | 2,411 |
| Assets per employee ($millions) | 3.4333% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,786 |
| Loan loss allowance to noncurrent loans | 149.4065% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 3,836 |
| Noncurrent loans to loans | 1.0103% | 4,108 |
| Net loans and leases to total assets | 53.6480% | 4,470 |
| Net loans and leases to deposits | 68.1226% | 3,761 |
| Net loans and leases to core deposits | 69.9455% | 4,092 |
| Total domestic deposits to total assets | 78.7521% | 6,005 |
| Equity capital to assets | 13.2191% | 1,331 |
| Core capital (leverage) ratio | 11.7674% | 1,693 |
| Tier 1 risk-based capital ratio | 19.2154% | 1,973 |
| Total risk-based capital ratio | 20.4666% | 1,953 |
| Memoranda: | ||
| Average total assets | $952,675,000 | 702 |
| Average earning assets | $857,777,000 | 703 |
| Average equity | $122,368,500 | 593 |
| Average total loans | $519,658,000 | 811 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 4,520 |
| Cost of funding earning assets | 0.4362% | 5,674 |
| Net interest margin | 3.7816% | 3,312 |
| Noninterest income to average assets | 1.0408% | 1,433 |
| Noninterest expense to average assets | 3.4249% | 1,999 |
| Loan and lease loss provision to assets | 0.4514% | 1,394 |
| Net operating income to assets | 0.5494% | 4,480 |
| Return on assets (ROA) | 0.5951% | 4,524 |
| Pretax return on assets | 0.5943% | 5,008 |
| Return on Equity (ROE) | 5.0823% | 4,643 |
| Retained earnings to average equity (ytd only) | 5.0823% | 2,656 |
| Net charge-offs to loans | 1.7354% | 473 |
| Credit loss provision to net charge-offs | 47.5701% | 4,751 |
| Earnings coverage of net charge-offs (x) | 1.0538% | 4,940 |
| Efficiency ratio | 77.1230% | 2,573 |
| Assets per employee ($millions) | 3.5981% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,756 |
| Loan loss allowance to noncurrent loans | 121.6572% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1817% | 3,683 |
| Noncurrent loans to loans | 1.2304% | 3,787 |
| Net loans and leases to total assets | 53.8037% | 4,643 |
| Net loans and leases to deposits | 68.3131% | 3,934 |
| Net loans and leases to core deposits | 70.6122% | 4,217 |
| Total domestic deposits to total assets | 78.7605% | 5,944 |
| Equity capital to assets | 12.4848% | 1,725 |
| Core capital (leverage) ratio | 11.5975% | 1,807 |
| Tier 1 risk-based capital ratio | 17.8230% | 2,326 |
| Total risk-based capital ratio | 19.0738% | 2,297 |
| Memoranda: | ||
| Average total assets | $954,063,800 | 692 |
| Average earning assets | $853,791,200 | 701 |
| Average equity | $111,720,400 | 641 |
| Average total loans | $521,736,600 | 791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 4,490 |
| Cost of funding earning assets | 0.4622% | 5,705 |
| Net interest margin | 3.8266% | 3,221 |
| Noninterest income to average assets | 1.0298% | 1,427 |
| Noninterest expense to average assets | 3.4119% | 1,971 |
| Loan and lease loss provision to assets | 0.5178% | 1,170 |
| Net operating income to assets | 0.5228% | 4,744 |
| Return on assets (ROA) | 0.5548% | 4,860 |
| Pretax return on assets | 0.5548% | 5,287 |
| Return on Equity (ROE) | 4.8196% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.8196% | 3,497 |
| Net charge-offs to loans | 1.8712% | 410 |
| Credit loss provision to net charge-offs | 50.5829% | 4,391 |
| Earnings coverage of net charge-offs (x) | 1.0166% | 4,807 |
| Efficiency ratio | 76.3519% | 2,621 |
| Assets per employee ($millions) | 3.5605% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,940 |
| Loan loss allowance to noncurrent loans | 161.2491% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 3,932 |
| Noncurrent loans to loans | 1.0896% | 4,261 |
| Net loans and leases to total assets | 53.2564% | 4,862 |
| Net loans and leases to deposits | 68.3152% | 4,134 |
| Net loans and leases to core deposits | 72.0822% | 4,239 |
| Total domestic deposits to total assets | 77.9569% | 6,089 |
| Equity capital to assets | 12.5501% | 1,859 |
| Core capital (leverage) ratio | 11.1149% | 2,286 |
| Tier 1 risk-based capital ratio | 18.0220% | 2,334 |
| Total risk-based capital ratio | 19.2772% | 2,305 |
| Memoranda: | ||
| Average total assets | $949,707,000 | 698 |
| Average earning assets | $849,465,000 | 711 |
| Average equity | $109,328,250 | 651 |
| Average total loans | $519,510,500 | 801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 4,438 |
| Cost of funding earning assets | 0.4711% | 5,822 |
| Net interest margin | 3.8618% | 3,081 |
| Noninterest income to average assets | 1.0154% | 1,418 |
| Noninterest expense to average assets | 3.4208% | 1,980 |
| Loan and lease loss provision to assets | 0.5345% | 1,161 |
| Net operating income to assets | 0.5077% | 4,783 |
| Return on assets (ROA) | 0.5630% | 4,806 |
| Pretax return on assets | 0.5630% | 5,267 |
| Return on Equity (ROE) | 5.0429% | 4,791 |
| Retained earnings to average equity (ytd only) | 5.0429% | 3,258 |
| Net charge-offs to loans | 1.9190% | 451 |
| Credit loss provision to net charge-offs | 50.7612% | 4,020 |
| Earnings coverage of net charge-offs (x) | 0.9898% | 4,537 |
| Efficiency ratio | 76.3694% | 2,691 |
| Assets per employee ($millions) | 3.5433% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,422 |
| Loan loss allowance to noncurrent loans | 155.1630% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 3,930 |
| Noncurrent loans to loans | 1.2491% | 4,053 |
| Net loans and leases to total assets | 54.1177% | 4,782 |
| Net loans and leases to deposits | 70.0530% | 3,889 |
| Net loans and leases to core deposits | 74.8389% | 3,912 |
| Total domestic deposits to total assets | 77.2525% | 6,291 |
| Equity capital to assets | 12.2323% | 1,983 |
| Core capital (leverage) ratio | 11.1665% | 2,151 |
| Tier 1 risk-based capital ratio | 17.1876% | 2,591 |
| Total risk-based capital ratio | 18.4304% | 2,559 |
| Memoranda: | ||
| Average total assets | $948,205,330 | 700 |
| Average earning assets | $846,504,000 | 709 |
| Average equity | $105,852,670 | 670 |
| Average total loans | $520,258,330 | 795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 4,671 |
| Cost of funding earning assets | 0.4942% | 5,852 |
| Net interest margin | 3.8235% | 3,276 |
| Noninterest income to average assets | 1.0229% | 1,366 |
| Noninterest expense to average assets | 3.4755% | 1,814 |
| Loan and lease loss provision to assets | 0.4064% | 1,554 |
| Net operating income to assets | 0.5471% | 4,611 |
| Return on assets (ROA) | 0.6805% | 4,193 |
| Pretax return on assets | 0.6805% | 4,860 |
| Return on Equity (ROE) | 6.4069% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.4069% | 2,738 |
| Net charge-offs to loans | 1.7637% | 540 |
| Credit loss provision to net charge-offs | 42.1168% | 3,418 |
| Earnings coverage of net charge-offs (x) | 0.9881% | 3,836 |
| Efficiency ratio | 78.1956% | 2,465 |
| Assets per employee ($millions) | 3.5246% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 1,831 |
| Loan loss allowance to noncurrent loans | 142.1322% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 3,519 |
| Noncurrent loans to loans | 1.5679% | 3,761 |
| Net loans and leases to total assets | 52.4294% | 4,959 |
| Net loans and leases to deposits | 67.6666% | 4,121 |
| Net loans and leases to core deposits | 72.3191% | 4,099 |
| Total domestic deposits to total assets | 77.4819% | 6,339 |
| Equity capital to assets | 12.1634% | 1,936 |
| Core capital (leverage) ratio | 11.2763% | 2,052 |
| Tier 1 risk-based capital ratio | 17.7502% | 2,383 |
| Total risk-based capital ratio | 18.9978% | 2,361 |
| Memoranda: | ||
| Average total assets | $943,966,000 | 703 |
| Average earning assets | $840,911,000 | 715 |
| Average equity | $100,267,000 | 713 |
| Average total loans | $516,403,500 | 803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 3,489 |
| Cost of funding earning assets | 0.6214% | 5,983 |
| Net interest margin | 4.2506% | 1,881 |
| Noninterest income to average assets | 1.0098% | 1,343 |
| Noninterest expense to average assets | 3.9317% | 1,139 |
| Loan and lease loss provision to assets | 0.7578% | 1,324 |
| Net operating income to assets | 0.1376% | 5,771 |
| Return on assets (ROA) | 0.1362% | 5,905 |
| Pretax return on assets | 0.1204% | 5,935 |
| Return on Equity (ROE) | 1.5950% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.5950% | 5,076 |
| Net charge-offs to loans | 1.2759% | 1,298 |
| Credit loss provision to net charge-offs | 103.3310% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.1994% | 4,888 |
| Efficiency ratio | 81.4532% | 2,090 |
| Assets per employee ($millions) | 3.4807% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4287% | 1,409 |
| Loan loss allowance to noncurrent loans | 136.5103% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 3,394 |
| Noncurrent loans to loans | 1.7791% | 3,495 |
| Net loans and leases to total assets | 54.4495% | 4,962 |
| Net loans and leases to deposits | 69.6770% | 4,161 |
| Net loans and leases to core deposits | 76.0644% | 3,973 |
| Total domestic deposits to total assets | 78.1456% | 6,164 |
| Equity capital to assets | 9.0551% | 5,489 |
| Core capital (leverage) ratio | 8.0736% | 6,169 |
| Tier 1 risk-based capital ratio | 12.4776% | 5,469 |
| Total risk-based capital ratio | 13.7386% | 5,442 |
| Memoranda: | ||
| Average total assets | $961,958,800 | 679 |
| Average earning assets | $860,331,600 | 681 |
| Average equity | $82,130,000 | 814 |
| Average total loans | $552,939,600 | 759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 3,408 |
| Cost of funding earning assets | 0.6542% | 6,014 |
| Net interest margin | 4.2797% | 1,794 |
| Noninterest income to average assets | 1.0033% | 1,330 |
| Noninterest expense to average assets | 3.9908% | 1,012 |
| Loan and lease loss provision to assets | 0.9065% | 983 |
| Net operating income to assets | -0.0552% | 6,228 |
| Return on assets (ROA) | -0.0536% | 6,323 |
| Pretax return on assets | -0.0536% | 6,283 |
| Return on Equity (ROE) | -0.6366% | 6,337 |
| Retained earnings to average equity (ytd only) | -0.6366% | 6,093 |
| Net charge-offs to loans | 1.1113% | 1,430 |
| Credit loss provision to net charge-offs | 140.9247% | 2,256 |
| Earnings coverage of net charge-offs (x) | 1.3234% | 4,626 |
| Efficiency ratio | 82.1571% | 1,949 |
| Assets per employee ($millions) | 3.1967% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 1,207 |
| Loan loss allowance to noncurrent loans | 139.0803% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 3,253 |
| Noncurrent loans to loans | 1.9031% | 3,498 |
| Net loans and leases to total assets | 57.0004% | 4,686 |
| Net loans and leases to deposits | 70.1376% | 4,279 |
| Net loans and leases to core deposits | 81.4574% | 3,417 |
| Total domestic deposits to total assets | 81.2694% | 5,351 |
| Equity capital to assets | 8.9713% | 5,786 |
| Core capital (leverage) ratio | 7.7400% | 6,604 |
| Tier 1 risk-based capital ratio | 11.4530% | 6,267 |
| Total risk-based capital ratio | 12.7160% | 6,255 |
| Memoranda: | ||
| Average total assets | $968,373,250 | 684 |
| Average earning assets | $868,605,750 | 686 |
| Average equity | $81,466,750 | 823 |
| Average total loans | $560,549,250 | 760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 3,672 |
| Cost of funding earning assets | 0.6495% | 6,234 |
| Net interest margin | 4.2400% | 1,876 |
| Noninterest income to average assets | 0.9791% | 1,380 |
| Noninterest expense to average assets | 3.8972% | 1,198 |
| Loan and lease loss provision to assets | 0.8848% | 1,009 |
| Net operating income to assets | 0.0055% | 6,212 |
| Return on assets (ROA) | 0.0055% | 6,294 |
| Pretax return on assets | 0.0055% | 6,262 |
| Return on Equity (ROE) | 0.0667% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.0667% | 5,809 |
| Net charge-offs to loans | 1.0991% | 1,433 |
| Credit loss provision to net charge-offs | 139.5760% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.4044% | 4,230 |
| Efficiency ratio | 81.1442% | 2,222 |
| Assets per employee ($millions) | 2.8952% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 1,548 |
| Loan loss allowance to noncurrent loans | 127.5226% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 3,334 |
| Noncurrent loans to loans | 1.9044% | 3,603 |
| Net loans and leases to total assets | 57.2100% | 4,786 |
| Net loans and leases to deposits | 74.2643% | 3,759 |
| Net loans and leases to core deposits | 86.3706% | 2,851 |
| Total domestic deposits to total assets | 77.0357% | 6,445 |
| Equity capital to assets | 8.5713% | 6,099 |
| Core capital (leverage) ratio | 7.5414% | 6,714 |
| Tier 1 risk-based capital ratio | 11.0471% | 6,491 |
| Total risk-based capital ratio | 12.3076% | 6,467 |
| Memoranda: | ||
| Average total assets | $982,147,670 | 682 |
| Average earning assets | $882,174,330 | 685 |
| Average equity | $80,899,670 | 829 |
| Average total loans | $566,469,330 | 761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 4,349 |
| Cost of funding earning assets | 0.6689% | 6,302 |
| Net interest margin | 4.0670% | 2,401 |
| Noninterest income to average assets | 0.9325% | 1,541 |
| Noninterest expense to average assets | 3.8436% | 1,262 |
| Loan and lease loss provision to assets | 0.6585% | 1,300 |
| Net operating income to assets | 0.0907% | 6,119 |
| Return on assets (ROA) | 0.0907% | 6,170 |
| Pretax return on assets | 0.0907% | 6,192 |
| Return on Equity (ROE) | 1.1228% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.1228% | 5,373 |
| Net charge-offs to loans | 1.1312% | 1,227 |
| Credit loss provision to net charge-offs | 101.7435% | 2,600 |
| Earnings coverage of net charge-offs (x) | 1.1575% | 3,792 |
| Efficiency ratio | 83.4167% | 2,030 |
| Assets per employee ($millions) | 2.8596% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 1,873 |
| Loan loss allowance to noncurrent loans | 66.6880% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.2839% | 2,966 |
| Noncurrent loans to loans | 3.3623% | 2,227 |
| Net loans and leases to total assets | 55.4820% | 5,081 |
| Net loans and leases to deposits | 70.6779% | 4,240 |
| Net loans and leases to core deposits | 78.1462% | 4,000 |
| Total domestic deposits to total assets | 78.4997% | 6,299 |
| Equity capital to assets | 8.1905% | 6,289 |
| Core capital (leverage) ratio | 7.2718% | 6,877 |
| Tier 1 risk-based capital ratio | 11.1258% | 6,417 |
| Total risk-based capital ratio | 12.3843% | 6,379 |
| Memoranda: | ||
| Average total assets | $992,624,000 | 678 |
| Average earning assets | $893,340,500 | 679 |
| Average equity | $80,156,000 | 829 |
| Average total loans | $567,910,500 | 768 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 4,366 |
| Cost of funding earning assets | 0.9862% | 5,758 |
| Net interest margin | 4.0547% | 2,780 |
| Noninterest income to average assets | 1.0270% | 1,424 |
| Noninterest expense to average assets | 5.2510% | 353 |
| Loan and lease loss provision to assets | 2.3029% | 524 |
| Net operating income to assets | -2.8581% | 7,265 |
| Return on assets (ROA) | -2.9027% | 7,293 |
| Pretax return on assets | -2.9874% | 7,290 |
| Return on Equity (ROE) | -31.9625% | 7,258 |
| Retained earnings to average equity (ytd only) | -31.9625% | 7,247 |
| Net charge-offs to loans | 4.3631% | 260 |
| Credit loss provision to net charge-offs | 87.2054% | 5,238 |
| Earnings coverage of net charge-offs (x) | -0.2418% | 6,314 |
| Efficiency ratio | 89.3274% | 1,377 |
| Assets per employee ($millions) | 2.8779% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1506% | 1,959 |
| Loan loss allowance to noncurrent loans | 108.1445% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.5876% | 3,923 |
| Noncurrent loans to loans | 1.9886% | 3,580 |
| Net loans and leases to total assets | 56.4207% | 5,273 |
| Net loans and leases to deposits | 72.5853% | 4,417 |
| Net loans and leases to core deposits | 81.4451% | 3,985 |
| Total domestic deposits to total assets | 77.7303% | 6,367 |
| Equity capital to assets | 7.9626% | 6,531 |
| Core capital (leverage) ratio | 7.2645% | 6,867 |
| Tier 1 risk-based capital ratio | 10.6831% | 6,583 |
| Total risk-based capital ratio | 11.9405% | 6,546 |
| Memoranda: | ||
| Average total assets | $1,042,706,600 | 647 |
| Average earning assets | $922,049,800 | 651 |
| Average equity | $94,695,200 | 709 |
| Average total loans | $631,091,000 | 702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 4,525 |
| Cost of funding earning assets | 1.0672% | 5,609 |
| Net interest margin | 3.9952% | 3,126 |
| Noninterest income to average assets | 1.0250% | 1,394 |
| Noninterest expense to average assets | 5.6603% | 254 |
| Loan and lease loss provision to assets | 2.7598% | 346 |
| Net operating income to assets | -3.7669% | 7,551 |
| Return on assets (ROA) | -3.7985% | 7,567 |
| Pretax return on assets | -3.9104% | 7,554 |
| Return on Equity (ROE) | -40.6313% | 7,501 |
| Retained earnings to average equity (ytd only) | -40.6313% | 7,499 |
| Net charge-offs to loans | 4.8490% | 187 |
| Credit loss provision to net charge-offs | 92.9858% | 4,659 |
| Earnings coverage of net charge-offs (x) | -0.3767% | 6,279 |
| Efficiency ratio | 91.8101% | 1,139 |
| Assets per employee ($millions) | 2.7843% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,550 |
| Loan loss allowance to noncurrent loans | 87.5894% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 3,080 |
| Noncurrent loans to loans | 2.6822% | 2,949 |
| Net loans and leases to total assets | 60.1086% | 4,894 |
| Net loans and leases to deposits | 75.2689% | 4,301 |
| Net loans and leases to core deposits | 83.5151% | 4,019 |
| Total domestic deposits to total assets | 79.8584% | 5,750 |
| Equity capital to assets | 8.1097% | 6,704 |
| Core capital (leverage) ratio | 7.1374% | 7,094 |
| Tier 1 risk-based capital ratio | 10.2800% | 6,911 |
| Total risk-based capital ratio | 11.5394% | 6,892 |
| Memoranda: | ||
| Average total assets | $1,052,283,250 | 633 |
| Average earning assets | $926,392,000 | 646 |
| Average equity | $98,375,000 | 681 |
| Average total loans | $644,077,500 | 686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 5,059 |
| Cost of funding earning assets | 1.1057% | 5,641 |
| Net interest margin | 3.8687% | 3,596 |
| Noninterest income to average assets | 0.9552% | 1,501 |
| Noninterest expense to average assets | 4.2158% | 802 |
| Loan and lease loss provision to assets | 2.1858% | 551 |
| Net operating income to assets | -1.1228% | 6,996 |
| Return on assets (ROA) | -1.1364% | 7,021 |
| Pretax return on assets | -2.0784% | 7,261 |
| Return on Equity (ROE) | -11.6794% | 7,027 |
| Retained earnings to average equity (ytd only) | -11.6794% | 6,985 |
| Net charge-offs to loans | 4.2591% | 288 |
| Credit loss provision to net charge-offs | 83.9937% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.0494% | 5,667 |
| Efficiency ratio | 96.7597% | 925 |
| Assets per employee ($millions) | 2.8862% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1450% | 1,878 |
| Loan loss allowance to noncurrent loans | 77.3730% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.4896% | 2,891 |
| Noncurrent loans to loans | 2.7723% | 2,885 |
| Net loans and leases to total assets | 58.8676% | 5,271 |
| Net loans and leases to deposits | 77.4621% | 4,086 |
| Net loans and leases to core deposits | 85.9469% | 3,844 |
| Total domestic deposits to total assets | 75.9954% | 6,694 |
| Equity capital to assets | 9.6689% | 4,437 |
| Core capital (leverage) ratio | 7.8381% | 6,453 |
| Tier 1 risk-based capital ratio | 10.8167% | 6,436 |
| Total risk-based capital ratio | 12.0738% | 6,415 |
| Memoranda: | ||
| Average total assets | $1,072,641,670 | 616 |
| Average earning assets | $939,704,330 | 636 |
| Average equity | $104,372,000 | 634 |
| Average total loans | $655,391,670 | 671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 5,384 |
| Cost of funding earning assets | 1.1788% | 5,516 |
| Net interest margin | 3.7365% | 4,070 |
| Noninterest income to average assets | 0.8621% | 1,760 |
| Noninterest expense to average assets | 4.2510% | 765 |
| Loan and lease loss provision to assets | 2.5298% | 419 |
| Net operating income to assets | -1.4933% | 7,328 |
| Return on assets (ROA) | -1.4852% | 7,337 |
| Pretax return on assets | -2.6435% | 7,536 |
| Return on Equity (ROE) | -15.2165% | 7,318 |
| Retained earnings to average equity (ytd only) | -15.2165% | 7,217 |
| Net charge-offs to loans | 2.7088% | 593 |
| Credit loss provision to net charge-offs | 151.6934% | 2,355 |
| Earnings coverage of net charge-offs (x) | -0.0758% | 5,081 |
| Efficiency ratio | 102.7658% | 763 |
| Assets per employee ($millions) | 2.7174% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8291% | 956 |
| Loan loss allowance to noncurrent loans | 80.0919% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 3.2033% | 2,242 |
| Noncurrent loans to loans | 3.5323% | 2,259 |
| Net loans and leases to total assets | 58.5506% | 5,339 |
| Net loans and leases to deposits | 75.9013% | 4,436 |
| Net loans and leases to core deposits | 85.3799% | 3,987 |
| Total domestic deposits to total assets | 77.1404% | 6,527 |
| Equity capital to assets | 9.6206% | 4,346 |
| Core capital (leverage) ratio | 8.1109% | 6,056 |
| Tier 1 risk-based capital ratio | 11.1000% | 6,060 |
| Total risk-based capital ratio | 12.3641% | 6,019 |
| Memoranda: | ||
| Average total assets | $1,076,452,500 | 630 |
| Average earning assets | $939,919,000 | 654 |
| Average equity | $105,070,000 | 630 |
| Average total loans | $662,740,000 | 681 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,078 |
| Cost of funding earning assets | 1.4729% | 5,622 |
| Net interest margin | 4.2329% | 1,964 |
| Noninterest income to average assets | 0.8367% | 2,242 |
| Noninterest expense to average assets | 4.5421% | 764 |
| Loan and lease loss provision to assets | 3.3910% | 465 |
| Net operating income to assets | -1.8985% | 7,049 |
| Return on assets (ROA) | -1.7912% | 7,006 |
| Pretax return on assets | -3.1315% | 7,328 |
| Return on Equity (ROE) | -16.7528% | 7,020 |
| Retained earnings to average equity (ytd only) | -26.3558% | 7,297 |
| Net charge-offs to loans | 4.9490% | 272 |
| Credit loss provision to net charge-offs | 100.4868% | 5,489 |
| Earnings coverage of net charge-offs (x) | 0.0272% | 6,163 |
| Efficiency ratio | 97.7400% | 1,226 |
| Assets per employee ($millions) | 2.6590% | 6,930 |
| Cash dividends to net income (ytd only)* | -57.3215% | 7,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 1,295 |
| Loan loss allowance to noncurrent loans | 85.3838% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 2.8706% | 2,446 |
| Noncurrent loans to loans | 2.8658% | 2,690 |
| Net loans and leases to total assets | 61.3329% | 5,135 |
| Net loans and leases to deposits | 80.3969% | 3,916 |
| Net loans and leases to core deposits | 98.5729% | 4,168 |
| Total domestic deposits to total assets | 76.2877% | 6,622 |
| Equity capital to assets | 9.9002% | 3,895 |
| Core capital (leverage) ratio | 8.6713% | 4,974 |
| Tier 1 risk-based capital ratio | 11.4641% | 5,435 |
| Total risk-based capital ratio | 12.7243% | 5,384 |
| Memoranda: | ||
| Average total assets | $1,071,324,400 | 630 |
| Average earning assets | $961,083,000 | 634 |
| Average equity | $114,547,800 | 573 |
| Average total loans | $730,511,200 | 629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 2,186 |
| Cost of funding earning assets | 1.5301% | 5,717 |
| Net interest margin | 4.4320% | 1,364 |
| Noninterest income to average assets | 0.8305% | 2,288 |
| Noninterest expense to average assets | 4.4530% | 784 |
| Loan and lease loss provision to assets | 3.1435% | 453 |
| Net operating income to assets | -1.5419% | 7,134 |
| Return on assets (ROA) | -1.3987% | 7,057 |
| Pretax return on assets | -2.5387% | 7,360 |
| Return on Equity (ROE) | -12.8413% | 7,064 |
| Retained earnings to average equity (ytd only) | -25.4341% | 7,494 |
| Net charge-offs to loans | 4.3097% | 305 |
| Credit loss provision to net charge-offs | 104.9062% | 4,843 |
| Earnings coverage of net charge-offs (x) | 0.1271% | 5,906 |
| Efficiency ratio | 91.8513% | 1,551 |
| Assets per employee ($millions) | 2.5847% | 7,080 |
| Cash dividends to net income (ytd only)* | -98.0654% | 7,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4439% | 1,119 |
| Loan loss allowance to noncurrent loans | 78.8795% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 3.4740% | 1,919 |
| Noncurrent loans to loans | 3.0982% | 2,436 |
| Net loans and leases to total assets | 66.5096% | 4,304 |
| Net loans and leases to deposits | 83.2451% | 3,788 |
| Net loans and leases to core deposits | 105.1343% | 3,803 |
| Total domestic deposits to total assets | 79.8961% | 5,473 |
| Equity capital to assets | 10.5796% | 3,430 |
| Core capital (leverage) ratio | 9.4359% | 3,996 |
| Tier 1 risk-based capital ratio | 11.5489% | 5,386 |
| Total risk-based capital ratio | 12.8100% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,069,268,250 | 640 |
| Average earning assets | $965,895,500 | 638 |
| Average equity | $116,465,500 | 573 |
| Average total loans | $743,457,250 | 636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0059% | 2,157 |
| Cost of funding earning assets | 1.5600% | 5,885 |
| Net interest margin | 4.4459% | 1,300 |
| Noninterest income to average assets | 0.8111% | 2,359 |
| Noninterest expense to average assets | 4.3352% | 909 |
| Loan and lease loss provision to assets | 3.9975% | 307 |
| Net operating income to assets | -1.9994% | 7,430 |
| Return on assets (ROA) | -1.8449% | 7,377 |
| Pretax return on assets | -3.2315% | 7,621 |
| Return on Equity (ROE) | -16.7803% | 7,415 |
| Retained earnings to average equity (ytd only) | -35.4231% | 7,773 |
| Net charge-offs to loans | 3.6182% | 423 |
| Credit loss provision to net charge-offs | 157.8936% | 2,918 |
| Earnings coverage of net charge-offs (x) | 0.2073% | 5,464 |
| Efficiency ratio | 88.9383% | 1,909 |
| Assets per employee ($millions) | 2.6324% | 6,996 |
| Cash dividends to net income (ytd only)* | -111.0999% | 8,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2881% | 453 |
| Loan loss allowance to noncurrent loans | 75.3652% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 4.2835% | 1,348 |
| Noncurrent loans to loans | 4.3630% | 1,486 |
| Net loans and leases to total assets | 66.7102% | 4,415 |
| Net loans and leases to deposits | 85.9814% | 3,556 |
| Net loans and leases to core deposits | 107.6404% | 3,646 |
| Total domestic deposits to total assets | 77.5867% | 6,182 |
| Equity capital to assets | 9.6905% | 4,361 |
| Core capital (leverage) ratio | 9.1269% | 4,417 |
| Tier 1 risk-based capital ratio | 11.1600% | 5,718 |
| Total risk-based capital ratio | 12.4247% | 5,622 |
| Memoranda: | ||
| Average total assets | $1,073,316,670 | 649 |
| Average earning assets | $977,444,000 | 641 |
| Average equity | $118,007,670 | 575 |
| Average total loans | $751,042,670 | 646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 2,599 |
| Cost of funding earning assets | 1.5955% | 6,046 |
| Net interest margin | 4.3461% | 1,475 |
| Noninterest income to average assets | 0.7302% | 2,703 |
| Noninterest expense to average assets | 3.9811% | 1,209 |
| Loan and lease loss provision to assets | 1.0314% | 1,272 |
| Net operating income to assets | -0.3031% | 6,681 |
| Return on assets (ROA) | 0.1791% | 5,893 |
| Pretax return on assets | 0.1757% | 5,993 |
| Return on Equity (ROE) | 1.5380% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5380% | 4,990 |
| Net charge-offs to loans | 0.9315% | 1,420 |
| Credit loss provision to net charge-offs | 157.1185% | 2,682 |
| Earnings coverage of net charge-offs (x) | 1.1044% | 4,199 |
| Efficiency ratio | 84.3184% | 2,267 |
| Assets per employee ($millions) | 2.6020% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 900 |
| Loan loss allowance to noncurrent loans | 59.3729% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.6017% | 1,477 |
| Noncurrent loans to loans | 3.9471% | 1,537 |
| Net loans and leases to total assets | 68.1189% | 4,108 |
| Net loans and leases to deposits | 89.0118% | 3,103 |
| Net loans and leases to core deposits | 110.7262% | 3,341 |
| Total domestic deposits to total assets | 76.5279% | 6,395 |
| Equity capital to assets | 11.7099% | 2,439 |
| Core capital (leverage) ratio | 11.2148% | 2,328 |
| Tier 1 risk-based capital ratio | 13.2581% | 4,019 |
| Total risk-based capital ratio | 14.5168% | 3,932 |
| Memoranda: | ||
| Average total assets | $1,074,286,000 | 644 |
| Average earning assets | $982,770,000 | 637 |
| Average equity | $125,100,500 | 546 |
| Average total loans | $757,055,000 | 647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9342% | 1,294 |
| Cost of funding earning assets | 2.0202% | 6,348 |
| Net interest margin | 4.9140% | 621 |
| Noninterest income to average assets | 0.9909% | 1,605 |
| Noninterest expense to average assets | 4.3656% | 978 |
| Loan and lease loss provision to assets | 1.0068% | 1,461 |
| Net operating income to assets | 0.1153% | 6,069 |
| Return on assets (ROA) | 0.3269% | 5,280 |
| Pretax return on assets | 0.3190% | 5,466 |
| Return on Equity (ROE) | 3.0485% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.0485% | 3,266 |
| Net charge-offs to loans | 0.7355% | 1,682 |
| Credit loss provision to net charge-offs | 181.7927% | 2,754 |
| Earnings coverage of net charge-offs (x) | 2.0119% | 5,067 |
| Efficiency ratio | 79.4058% | 2,684 |
| Assets per employee ($millions) | 2.5879% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,024 |
| Loan loss allowance to noncurrent loans | 60.0183% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.9509% | 1,562 |
| Noncurrent loans to loans | 3.5560% | 1,424 |
| Net loans and leases to total assets | 69.6585% | 4,105 |
| Net loans and leases to deposits | 94.5490% | 2,682 |
| Net loans and leases to core deposits | 114.4288% | 3,286 |
| Total domestic deposits to total assets | 73.6745% | 6,704 |
| Equity capital to assets | 11.5810% | 2,582 |
| Core capital (leverage) ratio | 11.3684% | 2,324 |
| Tier 1 risk-based capital ratio | 12.9678% | 4,132 |
| Total risk-based capital ratio | 14.2247% | 4,044 |
| Memoranda: | ||
| Average total assets | $1,031,336,400 | 644 |
| Average earning assets | $942,122,400 | 637 |
| Average equity | $110,580,600 | 610 |
| Average total loans | $776,639,400 | 613 |