Home > Parkway Bank > Performance and Condition Ratios
Parkway Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,414 |
| Cost of funding earning assets | 0.8682% | 1,158 |
| Net interest margin | 3.5643% | 3,412 |
| Noninterest income to average assets | 0.9532% | 1,604 |
| Noninterest expense to average assets | 4.2382% | 672 |
| Loan and lease loss provision to assets | 0.0733% | 3,408 |
| Net operating income to assets | -0.3630% | 6,609 |
| Return on assets (ROA) | -0.3630% | 6,642 |
| Pretax return on assets | -0.3630% | 6,618 |
| Return on Equity (ROE) | -24.5277% | 6,917 |
| Retained earnings to average equity (ytd only) | -24.5277% | 6,873 |
| Net charge-offs to loans | 0.3022% | 1,756 |
| Credit loss provision to net charge-offs | 35.0877% | 2,813 |
| Earnings coverage of net charge-offs (x) | -1.3860% | 3,990 |
| Efficiency ratio | 107.3352% | 371 |
| Assets per employee ($millions) | 3.4263% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8340% | 790 |
| Loan loss allowance to noncurrent loans | 76.3214% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 7.9477% | 316 |
| Noncurrent loans to loans | 3.7132% | 1,271 |
| Net loans and leases to total assets | 67.7332% | 2,063 |
| Net loans and leases to deposits | 70.9242% | 3,336 |
| Net loans and leases to core deposits | 73.7624% | 3,612 |
| Total domestic deposits to total assets | 95.5008% | 37 |
| Equity capital to assets | 1.3936% | 7,012 |
| Core capital (leverage) ratio | 1.4896% | 7,011 |
| Tier 1 risk-based capital ratio | 1.9617% | 7,011 |
| Total risk-based capital ratio | 3.2280% | 7,011 |
| Memoranda: | ||
| Average total assets | $109,103,500 | 4,631 |
| Average earning assets | $91,686,000 | 4,850 |
| Average equity | $1,614,500 | 6,939 |
| Average total loans | $75,445,500 | 4,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 4,290 |
| Cost of funding earning assets | 0.9390% | 1,715 |
| Net interest margin | 3.3377% | 5,115 |
| Noninterest income to average assets | 1.0313% | 1,452 |
| Noninterest expense to average assets | 4.6318% | 502 |
| Loan and lease loss provision to assets | 1.0448% | 376 |
| Net operating income to assets | -1.8066% | 6,909 |
| Return on assets (ROA) | -1.2020% | 6,808 |
| Pretax return on assets | -1.2020% | 6,785 |
| Return on Equity (ROE) | -49.1189% | 7,018 |
| Retained earnings to average equity (ytd only) | -49.1189% | 7,012 |
| Net charge-offs to loans | 1.9652% | 373 |
| Credit loss provision to net charge-offs | 80.3177% | 3,823 |
| Earnings coverage of net charge-offs (x) | -0.5856% | 5,689 |
| Efficiency ratio | 119.6843% | 214 |
| Assets per employee ($millions) | 3.2898% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9586% | 691 |
| Loan loss allowance to noncurrent loans | 85.2554% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 7.7309% | 381 |
| Noncurrent loans to loans | 3.4703% | 1,439 |
| Net loans and leases to total assets | 66.5574% | 2,448 |
| Net loans and leases to deposits | 69.6718% | 3,755 |
| Net loans and leases to core deposits | 72.8488% | 3,933 |
| Total domestic deposits to total assets | 95.5299% | 36 |
| Equity capital to assets | 1.5668% | 7,073 |
| Core capital (leverage) ratio | 1.6014% | 7,071 |
| Tier 1 risk-based capital ratio | 2.1224% | 7,074 |
| Total risk-based capital ratio | 3.3896% | 7,074 |
| Memoranda: | ||
| Average total assets | $111,316,600 | 4,565 |
| Average earning assets | $94,675,400 | 4,737 |
| Average equity | $2,724,000 | 6,841 |
| Average total loans | $73,681,000 | 4,218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 4,624 |
| Cost of funding earning assets | 0.9538% | 1,835 |
| Net interest margin | 3.3020% | 5,388 |
| Noninterest income to average assets | 1.0356% | 1,411 |
| Noninterest expense to average assets | 4.5699% | 519 |
| Loan and lease loss provision to assets | 0.7595% | 646 |
| Net operating income to assets | -1.4749% | 6,964 |
| Return on assets (ROA) | -0.9273% | 6,869 |
| Pretax return on assets | -0.9273% | 6,845 |
| Return on Equity (ROE) | -34.8566% | 7,083 |
| Retained earnings to average equity (ytd only) | -34.8566% | 7,075 |
| Net charge-offs to loans | 1.9268% | 390 |
| Credit loss provision to net charge-offs | 60.0753% | 4,143 |
| Earnings coverage of net charge-offs (x) | -0.5659% | 5,513 |
| Efficiency ratio | 118.5608% | 206 |
| Assets per employee ($millions) | 3.2281% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8405% | 852 |
| Loan loss allowance to noncurrent loans | 52.3327% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 8.9198% | 306 |
| Noncurrent loans to loans | 5.4277% | 796 |
| Net loans and leases to total assets | 64.3245% | 2,973 |
| Net loans and leases to deposits | 67.8311% | 4,211 |
| Net loans and leases to core deposits | 71.7057% | 4,290 |
| Total domestic deposits to total assets | 94.8304% | 43 |
| Equity capital to assets | 2.2240% | 7,159 |
| Core capital (leverage) ratio | 2.0703% | 7,162 |
| Tier 1 risk-based capital ratio | 2.8267% | 7,164 |
| Total risk-based capital ratio | 4.0922% | 7,164 |
| Memoranda: | ||
| Average total assets | $112,004,500 | 4,587 |
| Average earning assets | $95,617,250 | 4,748 |
| Average equity | $2,979,750 | 6,876 |
| Average total loans | $73,486,000 | 4,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 4,696 |
| Cost of funding earning assets | 0.9696% | 1,936 |
| Net interest margin | 3.2974% | 5,445 |
| Noninterest income to average assets | 1.0465% | 1,324 |
| Noninterest expense to average assets | 4.5586% | 526 |
| Loan and lease loss provision to assets | 0.4257% | 1,532 |
| Net operating income to assets | -1.1086% | 6,935 |
| Return on assets (ROA) | -0.2927% | 6,670 |
| Pretax return on assets | -0.2927% | 6,634 |
| Return on Equity (ROE) | -10.4453% | 6,914 |
| Retained earnings to average equity (ytd only) | -10.4453% | 6,845 |
| Net charge-offs to loans | 1.7842% | 497 |
| Credit loss provision to net charge-offs | 36.4742% | 4,327 |
| Earnings coverage of net charge-offs (x) | -0.5851% | 5,254 |
| Efficiency ratio | 117.6201% | 247 |
| Assets per employee ($millions) | 2.5369% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9127% | 859 |
| Loan loss allowance to noncurrent loans | 40.7240% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 8.7722% | 358 |
| Noncurrent loans to loans | 7.1522% | 536 |
| Net loans and leases to total assets | 61.8132% | 3,476 |
| Net loans and leases to deposits | 65.5068% | 4,575 |
| Net loans and leases to core deposits | 69.3771% | 4,615 |
| Total domestic deposits to total assets | 94.3615% | 70 |
| Equity capital to assets | 2.6473% | 7,195 |
| Core capital (leverage) ratio | 2.5802% | 7,197 |
| Tier 1 risk-based capital ratio | 3.6864% | 7,196 |
| Total risk-based capital ratio | 4.9533% | 7,195 |
| Memoranda: | ||
| Average total assets | $112,754,000 | 4,598 |
| Average earning assets | $96,742,000 | 4,742 |
| Average equity | $3,159,330 | 6,874 |
| Average total loans | $73,760,000 | 4,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 4,226 |
| Cost of funding earning assets | 1.0206% | 1,865 |
| Net interest margin | 3.4035% | 5,109 |
| Noninterest income to average assets | 0.8754% | 1,849 |
| Noninterest expense to average assets | 4.5006% | 551 |
| Loan and lease loss provision to assets | 0.4659% | 1,317 |
| Net operating income to assets | -1.1719% | 7,031 |
| Return on assets (ROA) | 0.4518% | 5,220 |
| Pretax return on assets | 0.4518% | 5,577 |
| Return on Equity (ROE) | 15.6983% | 850 |
| Retained earnings to average equity (ytd only) | 15.6983% | 388 |
| Net charge-offs to loans | 2.7215% | 287 |
| Credit loss provision to net charge-offs | 25.8317% | 3,695 |
| Earnings coverage of net charge-offs (x) | -0.3914% | 4,484 |
| Efficiency ratio | 118.6047% | 233 |
| Assets per employee ($millions) | 2.5677% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8028% | 1,003 |
| Loan loss allowance to noncurrent loans | 52.8307% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 7.3819% | 554 |
| Noncurrent loans to loans | 5.3053% | 1,027 |
| Net loans and leases to total assets | 64.7342% | 2,703 |
| Net loans and leases to deposits | 68.5899% | 3,952 |
| Net loans and leases to core deposits | 72.2231% | 4,117 |
| Total domestic deposits to total assets | 94.3786% | 76 |
| Equity capital to assets | 2.7917% | 7,246 |
| Core capital (leverage) ratio | 2.8430% | 7,244 |
| Tier 1 risk-based capital ratio | 3.8750% | 7,250 |
| Total risk-based capital ratio | 5.1412% | 7,250 |
| Memoranda: | ||
| Average total assets | $113,318,500 | 4,612 |
| Average earning assets | $97,194,000 | 4,772 |
| Average equity | $3,261,500 | 6,907 |
| Average total loans | $75,105,500 | 4,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 4,161 |
| Cost of funding earning assets | 1.3675% | 1,172 |
| Net interest margin | 3.3538% | 5,637 |
| Noninterest income to average assets | 0.8081% | 2,016 |
| Noninterest expense to average assets | 4.3794% | 665 |
| Loan and lease loss provision to assets | 1.1893% | 741 |
| Net operating income to assets | -1.8313% | 6,995 |
| Return on assets (ROA) | -1.8218% | 7,011 |
| Pretax return on assets | -1.8218% | 6,987 |
| Return on Equity (ROE) | -49.7252% | 7,202 |
| Retained earnings to average equity (ytd only) | -49.7252% | 7,199 |
| Net charge-offs to loans | 3.6506% | 193 |
| Credit loss provision to net charge-offs | 46.8157% | 5,495 |
| Earnings coverage of net charge-offs (x) | -0.2527% | 5,987 |
| Efficiency ratio | 117.1771% | 331 |
| Assets per employee ($millions) | 2.5831% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3188% | 614 |
| Loan loss allowance to noncurrent loans | 41.0426% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 8.4332% | 451 |
| Noncurrent loans to loans | 8.0863% | 497 |
| Net loans and leases to total assets | 63.7685% | 3,242 |
| Net loans and leases to deposits | 67.7345% | 4,478 |
| Net loans and leases to core deposits | 73.0515% | 4,374 |
| Total domestic deposits to total assets | 94.1447% | 87 |
| Equity capital to assets | 2.9642% | 7,281 |
| Core capital (leverage) ratio | 2.6584% | 7,285 |
| Tier 1 risk-based capital ratio | 3.7440% | 7,292 |
| Total risk-based capital ratio | 5.0270% | 7,291 |
| Memoranda: | ||
| Average total assets | $116,202,800 | 4,495 |
| Average earning assets | $101,497,600 | 4,598 |
| Average equity | $4,257,400 | 6,673 |
| Average total loans | $80,864,400 | 4,119 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 4,071 |
| Cost of funding earning assets | 1.4031% | 1,222 |
| Net interest margin | 3.3848% | 5,623 |
| Noninterest income to average assets | 0.8365% | 1,898 |
| Noninterest expense to average assets | 4.2736% | 736 |
| Loan and lease loss provision to assets | 1.4572% | 481 |
| Net operating income to assets | -1.9240% | 7,124 |
| Return on assets (ROA) | -1.9240% | 7,135 |
| Pretax return on assets | -1.9240% | 7,111 |
| Return on Equity (ROE) | -50.1828% | 7,293 |
| Retained earnings to average equity (ytd only) | -50.1828% | 7,287 |
| Net charge-offs to loans | 4.7526% | 108 |
| Credit loss provision to net charge-offs | 43.5094% | 5,173 |
| Earnings coverage of net charge-offs (x) | -0.1394% | 5,689 |
| Efficiency ratio | 112.2602% | 391 |
| Assets per employee ($millions) | 3.0484% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1513% | 764 |
| Loan loss allowance to noncurrent loans | 45.5322% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 7.7272% | 596 |
| Noncurrent loans to loans | 6.9210% | 722 |
| Net loans and leases to total assets | 63.6751% | 3,375 |
| Net loans and leases to deposits | 67.8715% | 4,632 |
| Net loans and leases to core deposits | 73.1899% | 4,565 |
| Total domestic deposits to total assets | 93.8172% | 94 |
| Equity capital to assets | 3.3081% | 7,351 |
| Core capital (leverage) ratio | 2.9940% | 7,353 |
| Tier 1 risk-based capital ratio | 4.1639% | 7,360 |
| Total risk-based capital ratio | 5.4450% | 7,362 |
| Memoranda: | ||
| Average total assets | $116,839,000 | 4,510 |
| Average earning assets | $102,533,500 | 4,606 |
| Average equity | $4,479,500 | 6,651 |
| Average total loans | $82,339,000 | 4,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 4,700 |
| Cost of funding earning assets | 1.4174% | 1,340 |
| Net interest margin | 3.2435% | 6,014 |
| Noninterest income to average assets | 0.7988% | 2,024 |
| Noninterest expense to average assets | 4.2911% | 753 |
| Loan and lease loss provision to assets | 2.2241% | 254 |
| Net operating income to assets | -2.8454% | 7,295 |
| Return on assets (ROA) | -2.8454% | 7,299 |
| Pretax return on assets | -2.8454% | 7,289 |
| Return on Equity (ROE) | -71.0067% | 7,402 |
| Retained earnings to average equity (ytd only) | -71.0067% | 7,399 |
| Net charge-offs to loans | 5.0830% | 119 |
| Credit loss provision to net charge-offs | 60.7459% | 4,324 |
| Earnings coverage of net charge-offs (x) | -0.1697% | 5,387 |
| Efficiency ratio | 116.9302% | 379 |
| Assets per employee ($millions) | 3.1347% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8240% | 464 |
| Loan loss allowance to noncurrent loans | 39.5426% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 8.4579% | 518 |
| Noncurrent loans to loans | 9.6705% | 408 |
| Net loans and leases to total assets | 67.9027% | 2,634 |
| Net loans and leases to deposits | 72.2007% | 4,081 |
| Net loans and leases to core deposits | 78.8414% | 3,956 |
| Total domestic deposits to total assets | 94.0471% | 78 |
| Equity capital to assets | 3.1414% | 7,425 |
| Core capital (leverage) ratio | 2.9337% | 7,423 |
| Tier 1 risk-based capital ratio | 3.9639% | 7,433 |
| Total risk-based capital ratio | 5.2433% | 7,434 |
| Memoranda: | ||
| Average total assets | $117,172,670 | 4,531 |
| Average earning assets | $103,714,000 | 4,610 |
| Average equity | $4,695,330 | 6,629 |
| Average total loans | $84,398,670 | 4,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 4,742 |
| Cost of funding earning assets | 1.4447% | 1,411 |
| Net interest margin | 3.2061% | 6,052 |
| Noninterest income to average assets | 0.7917% | 2,063 |
| Noninterest expense to average assets | 4.2031% | 816 |
| Loan and lease loss provision to assets | 0.4716% | 1,861 |
| Net operating income to assets | -1.0258% | 7,053 |
| Return on assets (ROA) | -1.0258% | 7,056 |
| Pretax return on assets | -1.0258% | 7,007 |
| Return on Equity (ROE) | -23.0472% | 7,256 |
| Retained earnings to average equity (ytd only) | -23.0472% | 7,208 |
| Net charge-offs to loans | 0.0426% | 4,518 |
| Credit loss provision to net charge-offs | 1,522.2222% | 252 |
| Earnings coverage of net charge-offs (x) | -17.8889% | 5,075 |
| Efficiency ratio | 115.1887% | 407 |
| Assets per employee ($millions) | 3.1156% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8738% | 221 |
| Loan loss allowance to noncurrent loans | 35.9962% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 10.8408% | 348 |
| Noncurrent loans to loans | 13.5399% | 205 |
| Net loans and leases to total assets | 70.8730% | 1,956 |
| Net loans and leases to deposits | 76.3582% | 3,363 |
| Net loans and leases to core deposits | 83.7160% | 3,205 |
| Total domestic deposits to total assets | 92.8165% | 151 |
| Equity capital to assets | 4.3451% | 7,417 |
| Core capital (leverage) ratio | 4.1284% | 7,427 |
| Tier 1 risk-based capital ratio | 5.3746% | 7,443 |
| Total risk-based capital ratio | 6.6435% | 7,443 |
| Memoranda: | ||
| Average total assets | $116,199,500 | 4,584 |
| Average earning assets | $103,552,000 | 4,647 |
| Average equity | $5,172,000 | 6,496 |
| Average total loans | $84,547,500 | 4,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 4,976 |
| Cost of funding earning assets | 1.6658% | 1,750 |
| Net interest margin | 3.2444% | 6,154 |
| Noninterest income to average assets | 1.0501% | 1,356 |
| Noninterest expense to average assets | 4.3416% | 773 |
| Loan and lease loss provision to assets | 1.9887% | 664 |
| Net operating income to assets | -2.4627% | 7,166 |
| Return on assets (ROA) | -2.4593% | 7,183 |
| Pretax return on assets | -2.4593% | 7,152 |
| Return on Equity (ROE) | -40.7409% | 7,356 |
| Retained earnings to average equity (ytd only) | -40.7409% | 7,349 |
| Net charge-offs to loans | 1.8689% | 1,109 |
| Credit loss provision to net charge-offs | 146.6123% | 2,506 |
| Earnings coverage of net charge-offs (x) | -0.3494% | 6,389 |
| Efficiency ratio | 112.2552% | 503 |
| Assets per employee ($millions) | 3.0821% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8769% | 207 |
| Loan loss allowance to noncurrent loans | 44.1567% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 8.5237% | 551 |
| Noncurrent loans to loans | 11.0446% | 351 |
| Net loans and leases to total assets | 67.5797% | 3,082 |
| Net loans and leases to deposits | 72.9419% | 4,361 |
| Net loans and leases to core deposits | 82.2312% | 3,876 |
| Total domestic deposits to total assets | 92.6486% | 172 |
| Equity capital to assets | 4.5551% | 7,475 |
| Core capital (leverage) ratio | 4.4014% | 7,468 |
| Tier 1 risk-based capital ratio | 5.7820% | 7,489 |
| Total risk-based capital ratio | 7.0723% | 7,491 |
| Memoranda: | ||
| Average total assets | $117,515,400 | 4,540 |
| Average earning assets | $102,053,400 | 4,667 |
| Average equity | $7,093,600 | 6,000 |
| Average total loans | $85,289,800 | 4,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 5,045 |
| Cost of funding earning assets | 1.6914% | 1,920 |
| Net interest margin | 3.2573% | 6,149 |
| Noninterest income to average assets | 1.1325% | 1,090 |
| Noninterest expense to average assets | 4.3316% | 718 |
| Loan and lease loss provision to assets | 1.4454% | 928 |
| Net operating income to assets | -1.8217% | 7,187 |
| Return on assets (ROA) | -1.8172% | 7,201 |
| Pretax return on assets | -1.8172% | 7,141 |
| Return on Equity (ROE) | -28.3713% | 7,362 |
| Retained earnings to average equity (ytd only) | -28.3713% | 7,353 |
| Net charge-offs to loans | 2.2343% | 798 |
| Credit loss provision to net charge-offs | 88.6648% | 4,820 |
| Earnings coverage of net charge-offs (x) | -0.2309% | 6,197 |
| Efficiency ratio | 109.5156% | 535 |
| Assets per employee ($millions) | 3.0486% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7950% | 434 |
| Loan loss allowance to noncurrent loans | 31.7582% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 9.3185% | 464 |
| Noncurrent loans to loans | 11.9496% | 295 |
| Net loans and leases to total assets | 68.9758% | 2,993 |
| Net loans and leases to deposits | 75.6554% | 4,235 |
| Net loans and leases to core deposits | 86.1361% | 3,631 |
| Total domestic deposits to total assets | 91.1710% | 391 |
| Equity capital to assets | 5.8613% | 7,504 |
| Core capital (leverage) ratio | 5.5059% | 7,496 |
| Tier 1 risk-based capital ratio | 6.9423% | 7,552 |
| Total risk-based capital ratio | 8.2287% | 7,554 |
| Memoranda: | ||
| Average total assets | $117,614,000 | 4,593 |
| Average earning assets | $101,922,250 | 4,731 |
| Average equity | $7,533,250 | 5,933 |
| Average total loans | $85,810,250 | 4,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 5,129 |
| Cost of funding earning assets | 1.6848% | 2,198 |
| Net interest margin | 3.2761% | 6,090 |
| Noninterest income to average assets | 1.2555% | 821 |
| Noninterest expense to average assets | 4.4280% | 625 |
| Loan and lease loss provision to assets | 1.8933% | 657 |
| Net operating income to assets | -2.2199% | 7,357 |
| Return on assets (ROA) | -2.2131% | 7,366 |
| Pretax return on assets | -2.2131% | 7,297 |
| Return on Equity (ROE) | -33.6204% | 7,473 |
| Retained earnings to average equity (ytd only) | -33.6204% | 7,464 |
| Net charge-offs to loans | 1.8587% | 1,003 |
| Credit loss provision to net charge-offs | 138.8337% | 2,891 |
| Earnings coverage of net charge-offs (x) | -0.2395% | 5,896 |
| Efficiency ratio | 107.9620% | 589 |
| Assets per employee ($millions) | 3.1335% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2557% | 300 |
| Loan loss allowance to noncurrent loans | 41.0036% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 8.4830% | 551 |
| Noncurrent loans to loans | 10.3788% | 417 |
| Net loans and leases to total assets | 68.5487% | 3,235 |
| Net loans and leases to deposits | 75.8127% | 4,371 |
| Net loans and leases to core deposits | 89.4714% | 3,349 |
| Total domestic deposits to total assets | 90.4185% | 712 |
| Equity capital to assets | 5.8897% | 7,555 |
| Core capital (leverage) ratio | 5.6842% | 7,529 |
| Tier 1 risk-based capital ratio | 7.0690% | 7,599 |
| Total risk-based capital ratio | 8.3504% | 7,602 |
| Memoranda: | ||
| Average total assets | $118,203,670 | 4,613 |
| Average earning assets | $102,682,330 | 4,728 |
| Average equity | $7,781,000 | 5,877 |
| Average total loans | $86,728,000 | 4,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 4,377 |
| Cost of funding earning assets | 1.7175% | 2,302 |
| Net interest margin | 3.4154% | 5,520 |
| Noninterest income to average assets | 1.4707% | 550 |
| Noninterest expense to average assets | 3.9263% | 1,134 |
| Loan and lease loss provision to assets | 0.6929% | 1,838 |
| Net operating income to assets | -0.1766% | 6,515 |
| Return on assets (ROA) | -0.1766% | 6,589 |
| Pretax return on assets | -0.1766% | 6,536 |
| Return on Equity (ROE) | -2.5475% | 6,702 |
| Retained earnings to average equity (ytd only) | -2.5475% | 6,301 |
| Net charge-offs to loans | 3.3293% | 438 |
| Credit loss provision to net charge-offs | 28.0220% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.2088% | 4,856 |
| Efficiency ratio | 88.3792% | 1,550 |
| Assets per employee ($millions) | 3.3913% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2362% | 675 |
| Loan loss allowance to noncurrent loans | 46.3621% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 6.9336% | 784 |
| Noncurrent loans to loans | 6.9803% | 854 |
| Net loans and leases to total assets | 70.3067% | 2,858 |
| Net loans and leases to deposits | 77.8870% | 4,066 |
| Net loans and leases to core deposits | 87.7232% | 3,655 |
| Total domestic deposits to total assets | 90.2677% | 845 |
| Equity capital to assets | 6.8696% | 7,421 |
| Core capital (leverage) ratio | 6.8634% | 7,320 |
| Tier 1 risk-based capital ratio | 8.0397% | 7,607 |
| Total risk-based capital ratio | 9.3020% | 7,614 |
| Memoranda: | ||
| Average total assets | $117,769,000 | 4,678 |
| Average earning assets | $102,477,000 | 4,798 |
| Average equity | $8,165,000 | 5,787 |
| Average total loans | $87,466,500 | 4,272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 5,037 |
| Cost of funding earning assets | 2.4705% | 1,091 |
| Net interest margin | 2.8571% | 6,945 |
| Noninterest income to average assets | 0.7921% | 2,445 |
| Noninterest expense to average assets | 3.5235% | 2,322 |
| Loan and lease loss provision to assets | 2.7250% | 688 |
| Net operating income to assets | -3.4669% | 7,499 |
| Return on assets (ROA) | -3.4669% | 7,505 |
| Pretax return on assets | -2.9502% | 7,280 |
| Return on Equity (ROE) | -39.6990% | 7,566 |
| Retained earnings to average equity (ytd only) | -39.6990% | 7,550 |
| Net charge-offs to loans | 3.4783% | 558 |
| Credit loss provision to net charge-offs | 105.4029% | 5,254 |
| Earnings coverage of net charge-offs (x) | -0.0871% | 6,320 |
| Efficiency ratio | 106.8299% | 883 |
| Assets per employee ($millions) | 3.1579% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7377% | 429 |
| Loan loss allowance to noncurrent loans | 53.7277% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 6.3839% | 867 |
| Noncurrent loans to loans | 6.9568% | 810 |
| Net loans and leases to total assets | 73.0694% | 2,490 |
| Net loans and leases to deposits | 81.0964% | 3,777 |
| Net loans and leases to core deposits | 112.1791% | 2,681 |
| Total domestic deposits to total assets | 90.1019% | 915 |
| Equity capital to assets | 6.9975% | 7,371 |
| Core capital (leverage) ratio | 6.6387% | 7,433 |
| Tier 1 risk-based capital ratio | 8.1509% | 7,631 |
| Total risk-based capital ratio | 9.4367% | 7,639 |
| Memoranda: | ||
| Average total assets | $123,855,400 | 4,477 |
| Average earning assets | $108,640,000 | 4,608 |
| Average equity | $10,816,400 | 5,076 |
| Average total loans | $92,056,400 | 4,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 5,475 |
| Cost of funding earning assets | 2.6341% | 942 |
| Net interest margin | 2.6571% | 7,282 |
| Noninterest income to average assets | 0.7207% | 2,880 |
| Noninterest expense to average assets | 3.5060% | 2,268 |
| Loan and lease loss provision to assets | 2.0868% | 849 |
| Net operating income to assets | -2.5422% | 7,475 |
| Return on assets (ROA) | -2.5422% | 7,476 |
| Pretax return on assets | -2.5422% | 7,361 |
| Return on Equity (ROE) | -27.8242% | 7,562 |
| Retained earnings to average equity (ytd only) | -27.8242% | 7,547 |
| Net charge-offs to loans | 3.3025% | 483 |
| Credit loss provision to net charge-offs | 85.4411% | 5,612 |
| Earnings coverage of net charge-offs (x) | -0.1864% | 6,275 |
| Efficiency ratio | 114.9269% | 676 |
| Assets per employee ($millions) | 3.3282% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1018% | 612 |
| Loan loss allowance to noncurrent loans | 36.9196% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 7.2826% | 631 |
| Noncurrent loans to loans | 8.4015% | 554 |
| Net loans and leases to total assets | 71.2091% | 3,223 |
| Net loans and leases to deposits | 80.2300% | 4,345 |
| Net loans and leases to core deposits | 116.4962% | 2,570 |
| Total domestic deposits to total assets | 88.7562% | 1,309 |
| Equity capital to assets | 8.2847% | 6,522 |
| Core capital (leverage) ratio | 8.0508% | 6,274 |
| Tier 1 risk-based capital ratio | 9.9195% | 7,042 |
| Total risk-based capital ratio | 11.1926% | 6,985 |
| Memoranda: | ||
| Average total assets | $125,609,000 | 4,462 |
| Average earning assets | $110,141,500 | 4,589 |
| Average equity | $11,476,500 | 4,929 |
| Average total loans | $92,898,000 | 4,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 4,981 |
| Cost of funding earning assets | 2.8528% | 684 |
| Net interest margin | 2.5806% | 7,379 |
| Noninterest income to average assets | 0.7087% | 2,940 |
| Noninterest expense to average assets | 3.5197% | 2,282 |
| Loan and lease loss provision to assets | 2.0280% | 801 |
| Net operating income to assets | -2.1213% | 7,456 |
| Return on assets (ROA) | -2.1213% | 7,453 |
| Pretax return on assets | -2.5896% | 7,443 |
| Return on Equity (ROE) | -22.5353% | 7,576 |
| Retained earnings to average equity (ytd only) | -22.5353% | 7,533 |
| Net charge-offs to loans | 4.6468% | 273 |
| Credit loss provision to net charge-offs | 58.8884% | 5,612 |
| Earnings coverage of net charge-offs (x) | -0.1631% | 5,854 |
| Efficiency ratio | 118.9840% | 681 |
| Assets per employee ($millions) | 3.2820% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 961 |
| Loan loss allowance to noncurrent loans | 37.3628% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 5.7783% | 852 |
| Noncurrent loans to loans | 6.5011% | 814 |
| Net loans and leases to total assets | 70.5173% | 3,579 |
| Net loans and leases to deposits | 78.0816% | 4,856 |
| Net loans and leases to core deposits | 107.7654% | 3,635 |
| Total domestic deposits to total assets | 90.3123% | 703 |
| Equity capital to assets | 8.6900% | 5,768 |
| Core capital (leverage) ratio | 8.6292% | 5,212 |
| Tier 1 risk-based capital ratio | 10.3307% | 6,562 |
| Total risk-based capital ratio | 11.5822% | 6,496 |
| Memoranda: | ||
| Average total assets | $126,431,000 | 4,461 |
| Average earning assets | $110,208,330 | 4,617 |
| Average equity | $11,901,330 | 4,839 |
| Average total loans | $93,698,670 | 4,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 5,003 |
| Cost of funding earning assets | 2.8995% | 771 |
| Net interest margin | 2.5829% | 7,394 |
| Noninterest income to average assets | 0.7895% | 2,390 |
| Noninterest expense to average assets | 3.4541% | 2,218 |
| Loan and lease loss provision to assets | 1.8019% | 684 |
| Net operating income to assets | -1.2384% | 7,385 |
| Return on assets (ROA) | -1.2384% | 7,402 |
| Pretax return on assets | -2.1807% | 7,584 |
| Return on Equity (ROE) | -12.6602% | 7,505 |
| Retained earnings to average equity (ytd only) | -12.6602% | 7,302 |
| Net charge-offs to loans | 5.7522% | 171 |
| Credit loss provision to net charge-offs | 41.7404% | 4,801 |
| Earnings coverage of net charge-offs (x) | -0.0878% | 5,062 |
| Efficiency ratio | 112.3188% | 764 |
| Assets per employee ($millions) | 3.1504% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5184% | 750 |
| Loan loss allowance to noncurrent loans | 113.9050% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 2.7346% | 2,079 |
| Noncurrent loans to loans | 2.2110% | 2,960 |
| Net loans and leases to total assets | 72.2144% | 3,198 |
| Net loans and leases to deposits | 80.7226% | 4,498 |
| Net loans and leases to core deposits | 110.8228% | 3,331 |
| Total domestic deposits to total assets | 89.4600% | 1,025 |
| Equity capital to assets | 9.6139% | 4,504 |
| Core capital (leverage) ratio | 9.5031% | 3,984 |
| Tier 1 risk-based capital ratio | 11.2823% | 5,615 |
| Total risk-based capital ratio | 12.5445% | 5,518 |
| Memoranda: | ||
| Average total assets | $125,648,000 | 4,506 |
| Average earning assets | $111,193,500 | 4,600 |
| Average equity | $12,290,500 | 4,754 |
| Average total loans | $94,294,500 | 4,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3124% | 3,899 |
| Cost of funding earning assets | 3.2381% | 1,073 |
| Net interest margin | 3.0742% | 6,725 |
| Noninterest income to average assets | 0.8419% | 2,284 |
| Noninterest expense to average assets | 3.3097% | 2,936 |
| Loan and lease loss provision to assets | 3.0200% | 303 |
| Net operating income to assets | -1.5467% | 7,486 |
| Return on assets (ROA) | -1.6029% | 7,450 |
| Pretax return on assets | -2.7780% | 7,655 |
| Return on Equity (ROE) | -13.5989% | 7,525 |
| Retained earnings to average equity (ytd only) | -13.5989% | 7,378 |
| Net charge-offs to loans | 1.5027% | 772 |
| Credit loss provision to net charge-offs | 264.8729% | 1,749 |
| Earnings coverage of net charge-offs (x) | 0.2892% | 6,059 |
| Efficiency ratio | 90.9389% | 1,445 |
| Assets per employee ($millions) | 2.9829% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2991% | 341 |
| Loan loss allowance to noncurrent loans | 72.2797% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.6694% | 1,191 |
| Noncurrent loans to loans | 4.5644% | 1,041 |
| Net loans and leases to total assets | 73.5107% | 3,226 |
| Net loans and leases to deposits | 82.3659% | 4,668 |
| Net loans and leases to core deposits | 108.3853% | 3,925 |
| Total domestic deposits to total assets | 89.2490% | 941 |
| Equity capital to assets | 9.9504% | 4,103 |
| Core capital (leverage) ratio | 9.8279% | 3,612 |
| Tier 1 risk-based capital ratio | 11.5169% | 5,224 |
| Total risk-based capital ratio | 12.7872% | 5,100 |
| Memoranda: | ||
| Average total assets | $117,351,800 | 4,583 |
| Average earning assets | $106,790,600 | 4,599 |
| Average equity | $13,832,000 | 4,379 |
| Average total loans | $89,042,000 | 4,257 |