Home > Patriot State Bank > Performance and Condition Ratios
Patriot State Bank, Performance and Condition Ratios
| 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 | 4.6647% | 2,733 |
| Cost of funding earning assets | 1.1648% | 678 |
| Net interest margin | 3.4999% | 4,500 |
| Noninterest income to average assets | 0.2555% | 5,633 |
| Noninterest expense to average assets | 2.9121% | 3,588 |
| Loan and lease loss provision to assets | 0.1606% | 3,608 |
| Net operating income to assets | 0.4555% | 4,860 |
| Return on assets (ROA) | 0.5672% | 4,653 |
| Pretax return on assets | 0.5672% | 5,088 |
| Return on Equity (ROE) | 4.8788% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.8788% | 2,787 |
| Net charge-offs to loans | 0.2374% | 3,515 |
| Credit loss provision to net charge-offs | 83.6502% | 3,707 |
| Earnings coverage of net charge-offs (x) | 3.2091% | 3,825 |
| Efficiency ratio | 82.5367% | 1,800 |
| Assets per employee ($millions) | 5.0936% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 2,928 |
| Loan loss allowance to noncurrent loans | 289.6296% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3932% | 3,310 |
| Noncurrent loans to loans | 0.5873% | 5,063 |
| Net loans and leases to total assets | 82.1488% | 319 |
| Net loans and leases to deposits | 94.7380% | 700 |
| Net loans and leases to core deposits | 115.9466% | 361 |
| Total domestic deposits to total assets | 86.7116% | 2,986 |
| Equity capital to assets | 11.8269% | 2,160 |
| Core capital (leverage) ratio | 11.6400% | 1,776 |
| Tier 1 risk-based capital ratio | 14.2028% | 4,245 |
| Total risk-based capital ratio | 15.4584% | 4,197 |
| Memoranda: | ||
| Average total assets | $136,981,000 | 4,007 |
| Average earning assets | $128,089,200 | 3,942 |
| Average equity | $15,926,200 | 3,784 |
| Average total loans | $110,783,200 | 3,283 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 2,974 |
| Cost of funding earning assets | 1.2012% | 686 |
| Net interest margin | 3.4579% | 4,813 |
| Noninterest income to average assets | 0.2494% | 5,781 |
| Noninterest expense to average assets | 2.8577% | 3,759 |
| Loan and lease loss provision to assets | 0.2046% | 3,026 |
| Net operating income to assets | 0.4209% | 5,160 |
| Return on assets (ROA) | 0.5856% | 4,732 |
| Pretax return on assets | 0.5856% | 5,215 |
| Return on Equity (ROE) | 5.0583% | 4,798 |
| Retained earnings to average equity (ytd only) | 5.0583% | 3,328 |
| Net charge-offs to loans | 0.0401% | 5,087 |
| Credit loss provision to net charge-offs | 636.3636% | 422 |
| Earnings coverage of net charge-offs (x) | 19.4541% | 1,496 |
| Efficiency ratio | 82.0420% | 1,806 |
| Assets per employee ($millions) | 4.9124% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,478 |
| Loan loss allowance to noncurrent loans | 158.1818% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 2,736 |
| Noncurrent loans to loans | 1.2008% | 4,047 |
| Net loans and leases to total assets | 81.6716% | 370 |
| Net loans and leases to deposits | 92.9826% | 876 |
| Net loans and leases to core deposits | 111.8573% | 502 |
| Total domestic deposits to total assets | 87.8353% | 2,143 |
| Equity capital to assets | 11.7415% | 2,491 |
| Core capital (leverage) ratio | 11.4679% | 2,009 |
| Tier 1 risk-based capital ratio | 14.1259% | 4,435 |
| Total risk-based capital ratio | 15.3841% | 4,391 |
| Memoranda: | ||
| Average total assets | $136,844,750 | 4,044 |
| Average earning assets | $127,975,500 | 3,979 |
| Average equity | $15,841,500 | 3,841 |
| Average total loans | $109,746,250 | 3,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 3,307 |
| Cost of funding earning assets | 1.2286% | 719 |
| Net interest margin | 3.3834% | 5,144 |
| Noninterest income to average assets | 0.2460% | 5,816 |
| Noninterest expense to average assets | 2.7275% | 4,298 |
| Loan and lease loss provision to assets | 0.2577% | 2,514 |
| Net operating income to assets | 0.4216% | 5,141 |
| Return on assets (ROA) | 0.5797% | 4,725 |
| Pretax return on assets | 0.5797% | 5,210 |
| Return on Equity (ROE) | 5.0322% | 4,796 |
| Retained earnings to average equity (ytd only) | 5.0322% | 3,266 |
| Net charge-offs to loans | 0.0536% | 4,657 |
| Credit loss provision to net charge-offs | 606.8966% | 513 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,617 |
| Efficiency ratio | 80.0602% | 2,162 |
| Assets per employee ($millions) | 4.9550% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 2,444 |
| Loan loss allowance to noncurrent loans | 153.9842% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 2,546 |
| Noncurrent loans to loans | 1.2533% | 4,041 |
| Net loans and leases to total assets | 78.5678% | 668 |
| Net loans and leases to deposits | 89.1102% | 1,243 |
| Net loans and leases to core deposits | 109.0410% | 613 |
| Total domestic deposits to total assets | 88.1692% | 2,032 |
| Equity capital to assets | 11.5064% | 2,591 |
| Core capital (leverage) ratio | 11.3710% | 1,988 |
| Tier 1 risk-based capital ratio | 14.1285% | 4,353 |
| Total risk-based capital ratio | 15.3873% | 4,318 |
| Memoranda: | ||
| Average total assets | $136,611,000 | 4,064 |
| Average earning assets | $127,623,000 | 4,003 |
| Average equity | $15,738,670 | 3,845 |
| Average total loans | $108,158,000 | 3,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 3,499 |
| Cost of funding earning assets | 1.2245% | 872 |
| Net interest margin | 3.3761% | 5,217 |
| Noninterest income to average assets | 0.2508% | 5,847 |
| Noninterest expense to average assets | 2.6854% | 4,479 |
| Loan and lease loss provision to assets | 0.1623% | 3,360 |
| Net operating income to assets | 0.5518% | 4,585 |
| Return on assets (ROA) | 0.6758% | 4,217 |
| Pretax return on assets | 0.6758% | 4,869 |
| Return on Equity (ROE) | 5.8620% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.8620% | 3,034 |
| Net charge-offs to loans | -0.0263% | 6,288 |
| Credit loss provision to net charge-offs | -785.7143% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9931% | 2,352 |
| Assets per employee ($millions) | 4.8604% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,710 |
| Loan loss allowance to noncurrent loans | 110.7527% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 2.7665% | 2,117 |
| Noncurrent loans to loans | 1.7060% | 3,554 |
| Net loans and leases to total assets | 78.6011% | 534 |
| Net loans and leases to deposits | 89.1795% | 1,043 |
| Net loans and leases to core deposits | 107.9405% | 611 |
| Total domestic deposits to total assets | 88.1381% | 2,225 |
| Equity capital to assets | 11.5577% | 2,389 |
| Core capital (leverage) ratio | 11.6711% | 1,794 |
| Tier 1 risk-based capital ratio | 14.1981% | 4,320 |
| Total risk-based capital ratio | 15.4556% | 4,290 |
| Memoranda: | ||
| Average total assets | $135,546,500 | 4,115 |
| Average earning assets | $126,417,000 | 4,051 |
| Average equity | $15,626,000 | 3,868 |
| Average total loans | $106,662,000 | 3,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 4,411 |
| Cost of funding earning assets | 1.4700% | 802 |
| Net interest margin | 3.1927% | 6,115 |
| Noninterest income to average assets | 0.2273% | 5,905 |
| Noninterest expense to average assets | 2.9988% | 3,593 |
| Loan and lease loss provision to assets | 0.8145% | 1,196 |
| Net operating income to assets | -0.5931% | 6,549 |
| Return on assets (ROA) | -0.5657% | 6,573 |
| Pretax return on assets | -0.5657% | 6,532 |
| Return on Equity (ROE) | -4.8202% | 6,520 |
| Retained earnings to average equity (ytd only) | -4.8202% | 6,434 |
| Net charge-offs to loans | 0.7675% | 2,239 |
| Credit loss provision to net charge-offs | 136.8159% | 2,180 |
| Earnings coverage of net charge-offs (x) | 0.3719% | 5,539 |
| Efficiency ratio | 93.1249% | 973 |
| Assets per employee ($millions) | 4.6552% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,518 |
| Loan loss allowance to noncurrent loans | 106.2766% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 2,153 |
| Noncurrent loans to loans | 1.8026% | 3,465 |
| Net loans and leases to total assets | 75.7744% | 975 |
| Net loans and leases to deposits | 85.9242% | 1,680 |
| Net loans and leases to core deposits | 100.0235% | 1,176 |
| Total domestic deposits to total assets | 88.1876% | 2,033 |
| Equity capital to assets | 11.4983% | 2,508 |
| Core capital (leverage) ratio | 11.3150% | 2,026 |
| Tier 1 risk-based capital ratio | 14.4492% | 4,006 |
| Total risk-based capital ratio | 15.7077% | 3,978 |
| Memoranda: | ||
| Average total assets | $135,054,800 | 4,070 |
| Average earning assets | $126,602,200 | 4,005 |
| Average equity | $15,850,000 | 3,751 |
| Average total loans | $104,751,800 | 3,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 4,636 |
| Cost of funding earning assets | 1.5124% | 822 |
| Net interest margin | 3.1477% | 6,293 |
| Noninterest income to average assets | 0.1994% | 6,172 |
| Noninterest expense to average assets | 3.0137% | 3,505 |
| Loan and lease loss provision to assets | 1.0049% | 852 |
| Net operating income to assets | -0.8628% | 6,828 |
| Return on assets (ROA) | -0.8776% | 6,873 |
| Pretax return on assets | -0.8776% | 6,823 |
| Return on Equity (ROE) | -7.4399% | 6,789 |
| Retained earnings to average equity (ytd only) | -7.4399% | 6,731 |
| Net charge-offs to loans | 1.0248% | 1,564 |
| Credit loss provision to net charge-offs | 126.3027% | 2,538 |
| Earnings coverage of net charge-offs (x) | 0.1787% | 5,465 |
| Efficiency ratio | 95.4958% | 847 |
| Assets per employee ($millions) | 4.5061% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,913 |
| Loan loss allowance to noncurrent loans | 66.6899% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.2142% | 1,981 |
| Noncurrent loans to loans | 2.7121% | 2,582 |
| Net loans and leases to total assets | 76.8660% | 860 |
| Net loans and leases to deposits | 87.2188% | 1,530 |
| Net loans and leases to core deposits | 103.4806% | 1,009 |
| Total domestic deposits to total assets | 88.1301% | 1,971 |
| Equity capital to assets | 11.5089% | 2,671 |
| Core capital (leverage) ratio | 11.3985% | 2,102 |
| Tier 1 risk-based capital ratio | 14.2541% | 4,157 |
| Total risk-based capital ratio | 15.5114% | 4,116 |
| Memoranda: | ||
| Average total assets | $135,068,000 | 4,097 |
| Average earning assets | $126,861,000 | 4,016 |
| Average equity | $15,931,750 | 3,752 |
| Average total loans | $104,866,000 | 3,523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 4,929 |
| Cost of funding earning assets | 1.5310% | 891 |
| Net interest margin | 3.0778% | 6,452 |
| Noninterest income to average assets | 0.2266% | 6,040 |
| Noninterest expense to average assets | 3.0275% | 3,530 |
| Loan and lease loss provision to assets | 0.6798% | 1,415 |
| Net operating income to assets | -0.5865% | 6,750 |
| Return on assets (ROA) | -0.6088% | 6,776 |
| Pretax return on assets | -0.6088% | 6,711 |
| Return on Equity (ROE) | -5.1195% | 6,725 |
| Retained earnings to average equity (ytd only) | -5.1195% | 6,579 |
| Net charge-offs to loans | 0.4036% | 2,940 |
| Credit loss provision to net charge-offs | 217.5355% | 1,372 |
| Earnings coverage of net charge-offs (x) | 0.2986% | 5,088 |
| Efficiency ratio | 97.0100% | 835 |
| Assets per employee ($millions) | 4.4518% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 2,680 |
| Loan loss allowance to noncurrent loans | 32.1995% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 5.2870% | 1,144 |
| Noncurrent loans to loans | 5.8889% | 1,030 |
| Net loans and leases to total assets | 75.5410% | 1,146 |
| Net loans and leases to deposits | 86.1400% | 1,774 |
| Net loans and leases to core deposits | 105.5490% | 955 |
| Total domestic deposits to total assets | 87.6956% | 2,344 |
| Equity capital to assets | 11.9562% | 2,120 |
| Core capital (leverage) ratio | 11.7129% | 1,775 |
| Tier 1 risk-based capital ratio | 15.1964% | 3,399 |
| Total risk-based capital ratio | 16.4540% | 3,358 |
| Memoranda: | ||
| Average total assets | $135,030,000 | 4,125 |
| Average earning assets | $126,975,330 | 4,047 |
| Average equity | $16,056,330 | 3,725 |
| Average total loans | $104,547,000 | 3,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 4,726 |
| Cost of funding earning assets | 1.5223% | 1,084 |
| Net interest margin | 3.1324% | 6,262 |
| Noninterest income to average assets | 0.2740% | 5,715 |
| Noninterest expense to average assets | 3.1554% | 3,049 |
| Loan and lease loss provision to assets | 0.0412% | 5,472 |
| Net operating income to assets | 0.0236% | 6,294 |
| Return on assets (ROA) | 0.0236% | 6,329 |
| Pretax return on assets | 0.0236% | 6,314 |
| Return on Equity (ROE) | 0.1988% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.1988% | 5,736 |
| Net charge-offs to loans | 0.4250% | 2,419 |
| Credit loss provision to net charge-offs | 12.5000% | 4,364 |
| Earnings coverage of net charge-offs (x) | 0.1964% | 4,464 |
| Efficiency ratio | 97.9872% | 830 |
| Assets per employee ($millions) | 4.5653% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 4,024 |
| Loan loss allowance to noncurrent loans | 24.4214% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 5.7578% | 1,027 |
| Noncurrent loans to loans | 6.2898% | 976 |
| Net loans and leases to total assets | 77.6608% | 775 |
| Net loans and leases to deposits | 88.7779% | 1,379 |
| Net loans and leases to core deposits | 108.7882% | 796 |
| Total domestic deposits to total assets | 87.4776% | 2,678 |
| Equity capital to assets | 12.2074% | 1,789 |
| Core capital (leverage) ratio | 11.8172% | 1,668 |
| Tier 1 risk-based capital ratio | 14.9654% | 3,444 |
| Total risk-based capital ratio | 16.2191% | 3,405 |
| Memoranda: | ||
| Average total assets | $135,768,000 | 4,140 |
| Average earning assets | $127,698,000 | 4,066 |
| Average equity | $16,100,500 | 3,708 |
| Average total loans | $105,401,500 | 3,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 5,292 |
| Cost of funding earning assets | 1.5851% | 2,162 |
| Net interest margin | 3.2505% | 6,132 |
| Noninterest income to average assets | 0.1753% | 6,483 |
| Noninterest expense to average assets | 2.8091% | 4,567 |
| Loan and lease loss provision to assets | 0.1761% | 5,469 |
| Net operating income to assets | 0.2590% | 5,085 |
| Return on assets (ROA) | 0.2590% | 5,235 |
| Pretax return on assets | 0.2590% | 5,339 |
| Return on Equity (ROE) | 2.2263% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.2263% | 4,326 |
| Net charge-offs to loans | 1.1669% | 1,910 |
| Credit loss provision to net charge-offs | 18.9588% | 6,562 |
| Earnings coverage of net charge-offs (x) | 0.4685% | 5,644 |
| Efficiency ratio | 86.5881% | 1,617 |
| Assets per employee ($millions) | 4.7980% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,569 |
| Loan loss allowance to noncurrent loans | 40.2936% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 3.7617% | 1,824 |
| Noncurrent loans to loans | 3.9707% | 1,835 |
| Net loans and leases to total assets | 75.2316% | 1,428 |
| Net loans and leases to deposits | 85.3101% | 2,224 |
| Net loans and leases to core deposits | 110.1746% | 908 |
| Total domestic deposits to total assets | 88.1861% | 2,128 |
| Equity capital to assets | 11.5272% | 2,238 |
| Core capital (leverage) ratio | 11.2252% | 1,992 |
| Tier 1 risk-based capital ratio | 14.8691% | 3,321 |
| Total risk-based capital ratio | 16.1232% | 3,280 |
| Memoranda: | ||
| Average total assets | $138,586,600 | 4,084 |
| Average earning assets | $130,839,800 | 3,996 |
| Average equity | $16,125,600 | 3,735 |
| Average total loans | $110,293,800 | 3,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 5,340 |
| Cost of funding earning assets | 1.5845% | 2,478 |
| Net interest margin | 3.2983% | 6,023 |
| Noninterest income to average assets | 0.1522% | 6,768 |
| Noninterest expense to average assets | 2.7629% | 4,628 |
| Loan and lease loss provision to assets | 0.2071% | 4,988 |
| Net operating income to assets | 0.2995% | 5,171 |
| Return on assets (ROA) | 0.2995% | 5,339 |
| Pretax return on assets | 0.2995% | 5,510 |
| Return on Equity (ROE) | 2.5680% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.5680% | 4,624 |
| Net charge-offs to loans | 0.3966% | 3,697 |
| Credit loss provision to net charge-offs | 64.9547% | 5,564 |
| Earnings coverage of net charge-offs (x) | 1.5891% | 4,525 |
| Efficiency ratio | 84.5066% | 1,784 |
| Assets per employee ($millions) | 4.5518% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 1,419 |
| Loan loss allowance to noncurrent loans | 50.5480% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.1642% | 1,651 |
| Noncurrent loans to loans | 4.8203% | 1,460 |
| Net loans and leases to total assets | 74.6015% | 1,662 |
| Net loans and leases to deposits | 84.7548% | 2,563 |
| Net loans and leases to core deposits | 116.7763% | 727 |
| Total domestic deposits to total assets | 88.0204% | 1,945 |
| Equity capital to assets | 11.6075% | 2,446 |
| Core capital (leverage) ratio | 11.4323% | 1,981 |
| Tier 1 risk-based capital ratio | 14.8999% | 3,303 |
| Total risk-based capital ratio | 16.1653% | 3,276 |
| Memoranda: | ||
| Average total assets | $138,448,000 | 4,138 |
| Average earning assets | $130,850,000 | 4,049 |
| Average equity | $16,147,250 | 3,782 |
| Average total loans | $111,272,250 | 3,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 5,363 |
| Cost of funding earning assets | 1.6161% | 2,569 |
| Net interest margin | 3.2891% | 6,052 |
| Noninterest income to average assets | 0.1701% | 6,689 |
| Noninterest expense to average assets | 2.7711% | 4,617 |
| Loan and lease loss provision to assets | 0.1207% | 5,694 |
| Net operating income to assets | 0.3882% | 4,802 |
| Return on assets (ROA) | 0.3882% | 4,972 |
| Pretax return on assets | 0.3882% | 5,267 |
| Return on Equity (ROE) | 3.3230% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.3230% | 3,994 |
| Net charge-offs to loans | 0.5534% | 2,871 |
| Credit loss provision to net charge-offs | 26.6881% | 5,782 |
| Earnings coverage of net charge-offs (x) | 1.1254% | 4,663 |
| Efficiency ratio | 84.4858% | 1,864 |
| Assets per employee ($millions) | 4.5276% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 1,728 |
| Loan loss allowance to noncurrent loans | 66.0803% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 3.1948% | 2,220 |
| Noncurrent loans to loans | 3.3557% | 2,381 |
| Net loans and leases to total assets | 79.0802% | 939 |
| Net loans and leases to deposits | 89.9829% | 1,856 |
| Net loans and leases to core deposits | 132.8192% | 379 |
| Total domestic deposits to total assets | 87.8836% | 2,060 |
| Equity capital to assets | 11.6839% | 2,292 |
| Core capital (leverage) ratio | 11.6114% | 1,852 |
| Tier 1 risk-based capital ratio | 13.8615% | 3,830 |
| Total risk-based capital ratio | 15.1234% | 3,781 |
| Memoranda: | ||
| Average total assets | $137,561,670 | 4,185 |
| Average earning assets | $130,066,330 | 4,083 |
| Average equity | $16,070,000 | 3,786 |
| Average total loans | $112,397,330 | 3,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 5,827 |
| Cost of funding earning assets | 1.6689% | 2,545 |
| Net interest margin | 3.1489% | 6,458 |
| Noninterest income to average assets | 0.1968% | 6,552 |
| Noninterest expense to average assets | 2.7937% | 4,500 |
| Loan and lease loss provision to assets | 0.1528% | 5,012 |
| Net operating income to assets | 0.2379% | 5,554 |
| Return on assets (ROA) | 0.2379% | 5,664 |
| Pretax return on assets | 0.2379% | 5,772 |
| Return on Equity (ROE) | 2.0370% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.0370% | 4,908 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7306% | 1,617 |
| Assets per employee ($millions) | 5.0027% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4577% | 1,351 |
| Loan loss allowance to noncurrent loans | 55.1133% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 4.3791% | 1,553 |
| Noncurrent loans to loans | 4.4593% | 1,681 |
| Net loans and leases to total assets | 82.1844% | 573 |
| Net loans and leases to deposits | 93.6145% | 1,393 |
| Net loans and leases to core deposits | 139.2119% | 338 |
| Total domestic deposits to total assets | 87.7903% | 2,185 |
| Equity capital to assets | 11.8699% | 2,122 |
| Core capital (leverage) ratio | 11.5640% | 1,874 |
| Tier 1 risk-based capital ratio | 13.7544% | 3,835 |
| Total risk-based capital ratio | 15.0194% | 3,770 |
| Memoranda: | ||
| Average total assets | $136,165,000 | 4,269 |
| Average earning assets | $129,187,000 | 4,166 |
| Average equity | $15,905,500 | 3,845 |
| Average total loans | $111,841,000 | 3,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 6,301 |
| Cost of funding earning assets | 1.9974% | 2,973 |
| Net interest margin | 3.0449% | 6,529 |
| Noninterest income to average assets | 0.2104% | 6,602 |
| Noninterest expense to average assets | 3.1193% | 3,651 |
| Loan and lease loss provision to assets | 1.6179% | 1,412 |
| Net operating income to assets | -1.6229% | 6,918 |
| Return on assets (ROA) | -1.6229% | 6,924 |
| Pretax return on assets | -1.6229% | 6,772 |
| Return on Equity (ROE) | -11.8625% | 6,756 |
| Retained earnings to average equity (ytd only) | -11.8625% | 6,667 |
| Net charge-offs to loans | 0.3797% | 4,310 |
| Credit loss provision to net charge-offs | 528.5326% | 574 |
| Earnings coverage of net charge-offs (x) | -0.0163% | 6,221 |
| Efficiency ratio | 100.1603% | 1,090 |
| Assets per employee ($millions) | 5.0836% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4983% | 1,229 |
| Loan loss allowance to noncurrent loans | 109.3190% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4960% | 2,798 |
| Noncurrent loans to loans | 2.2853% | 3,302 |
| Net loans and leases to total assets | 78.0514% | 1,369 |
| Net loans and leases to deposits | 88.4956% | 2,475 |
| Net loans and leases to core deposits | 117.7639% | 2,156 |
| Total domestic deposits to total assets | 88.1981% | 1,884 |
| Equity capital to assets | 11.4952% | 2,324 |
| Core capital (leverage) ratio | 11.2713% | 2,063 |
| Tier 1 risk-based capital ratio | 13.7623% | 3,652 |
| Total risk-based capital ratio | 15.0266% | 3,585 |
| Memoranda: | ||
| Average total assets | $120,219,400 | 4,555 |
| Average earning assets | $114,650,200 | 4,433 |
| Average equity | $16,446,800 | 3,791 |
| Average total loans | $96,925,800 | 4,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 6,552 |
| Cost of funding earning assets | 2.0490% | 3,126 |
| Net interest margin | 2.9681% | 6,692 |
| Noninterest income to average assets | 0.2587% | 6,383 |
| Noninterest expense to average assets | 3.2321% | 3,183 |
| Loan and lease loss provision to assets | 0.8497% | 2,254 |
| Net operating income to assets | -0.9900% | 6,821 |
| Return on assets (ROA) | -0.9900% | 6,832 |
| Pretax return on assets | -0.9900% | 6,681 |
| Return on Equity (ROE) | -6.9097% | 6,650 |
| Retained earnings to average equity (ytd only) | -6.9097% | 6,499 |
| Net charge-offs to loans | 0.4582% | 3,397 |
| Credit loss provision to net charge-offs | 229.5031% | 1,900 |
| Earnings coverage of net charge-offs (x) | -0.3789% | 6,411 |
| Efficiency ratio | 104.5370% | 896 |
| Assets per employee ($millions) | 4.7558% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,397 |
| Loan loss allowance to noncurrent loans | 137.1107% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.6641% | 3,876 |
| Noncurrent loans to loans | 1.0991% | 5,117 |
| Net loans and leases to total assets | 77.7970% | 1,612 |
| Net loans and leases to deposits | 89.2346% | 2,734 |
| Net loans and leases to core deposits | 121.6987% | 2,098 |
| Total domestic deposits to total assets | 87.1825% | 2,086 |
| Equity capital to assets | 12.4457% | 1,986 |
| Core capital (leverage) ratio | 13.0349% | 1,368 |
| Tier 1 risk-based capital ratio | 15.3107% | 2,908 |
| Total risk-based capital ratio | 16.5636% | 2,850 |
| Memoranda: | ||
| Average total assets | $115,960,000 | 4,700 |
| Average earning assets | $110,683,750 | 4,571 |
| Average equity | $16,614,000 | 3,781 |
| Average total loans | $93,688,250 | 4,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 6,808 |
| Cost of funding earning assets | 2.1444% | 3,066 |
| Net interest margin | 2.8453% | 6,922 |
| Noninterest income to average assets | 0.2758% | 6,291 |
| Noninterest expense to average assets | 3.3531% | 2,778 |
| Loan and lease loss provision to assets | 0.7693% | 2,152 |
| Net operating income to assets | -1.1286% | 7,071 |
| Return on assets (ROA) | -1.1286% | 7,077 |
| Pretax return on assets | -1.1286% | 6,895 |
| Return on Equity (ROE) | -7.4815% | 6,852 |
| Retained earnings to average equity (ytd only) | -7.4815% | 6,618 |
| Net charge-offs to loans | 0.1313% | 4,854 |
| Credit loss provision to net charge-offs | 718.6441% | 660 |
| Earnings coverage of net charge-offs (x) | -3.3559% | 6,417 |
| Efficiency ratio | 112.0000% | 794 |
| Assets per employee ($millions) | 4.5204% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,208 |
| Loan loss allowance to noncurrent loans | 54.1314% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 2,570 |
| Noncurrent loans to loans | 2.7690% | 2,600 |
| Net loans and leases to total assets | 82.5408% | 859 |
| Net loans and leases to deposits | 97.3202% | 1,625 |
| Net loans and leases to core deposits | 128.0405% | 1,708 |
| Total domestic deposits to total assets | 84.8136% | 3,351 |
| Equity capital to assets | 13.5092% | 1,491 |
| Core capital (leverage) ratio | 14.4372% | 1,035 |
| Tier 1 risk-based capital ratio | 15.9334% | 2,647 |
| Total risk-based capital ratio | 17.1863% | 2,590 |
| Memoranda: | ||
| Average total assets | $110,226,000 | 4,880 |
| Average earning assets | $105,297,330 | 4,748 |
| Average equity | $16,627,670 | 3,787 |
| Average total loans | $89,857,330 | 4,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 7,006 |
| Cost of funding earning assets | 2.2793% | 2,794 |
| Net interest margin | 2.6933% | 7,218 |
| Noninterest income to average assets | 0.2876% | 6,139 |
| Noninterest expense to average assets | 3.3438% | 2,521 |
| Loan and lease loss provision to assets | 0.6711% | 1,885 |
| Net operating income to assets | -1.1580% | 7,339 |
| Return on assets (ROA) | -1.1580% | 7,351 |
| Pretax return on assets | -1.1580% | 7,231 |
| Return on Equity (ROE) | -7.2346% | 7,168 |
| Retained earnings to average equity (ytd only) | -7.2346% | 6,819 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0470% | 677 |
| Assets per employee ($millions) | 3.9675% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,988 |
| Loan loss allowance to noncurrent loans | 45.0822% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 2.8841% | 1,979 |
| Noncurrent loans to loans | 3.3280% | 1,924 |
| Net loans and leases to total assets | 79.3681% | 1,500 |
| Net loans and leases to deposits | 93.6047% | 2,344 |
| Net loans and leases to core deposits | 126.2204% | 1,902 |
| Total domestic deposits to total assets | 84.7907% | 3,305 |
| Equity capital to assets | 14.7934% | 1,165 |
| Core capital (leverage) ratio | 16.6270% | 698 |
| Tier 1 risk-based capital ratio | 18.2000% | 2,002 |
| Total risk-based capital ratio | 19.4626% | 1,953 |
| Memoranda: | ||
| Average total assets | $104,314,000 | 5,060 |
| Average earning assets | $99,506,000 | 4,929 |
| Average equity | $16,697,500 | 3,795 |
| Average total loans | $83,649,000 | 4,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7573% | 6,567 |
| Cost of funding earning assets | 2.5542% | 3,930 |
| Net interest margin | 3.2030% | 6,356 |
| Noninterest income to average assets | 0.2390% | 6,737 |
| Noninterest expense to average assets | 3.9338% | 1,511 |
| Loan and lease loss provision to assets | 1.1134% | 1,302 |
| Net operating income to assets | -1.7292% | 7,538 |
| Return on assets (ROA) | -1.7240% | 7,487 |
| Pretax return on assets | -1.7240% | 7,352 |
| Return on Equity (ROE) | -7.4629% | 7,087 |
| Retained earnings to average equity (ytd only) | -7.4629% | 6,828 |
| Net charge-offs to loans | 0.4383% | 2,637 |
| Credit loss provision to net charge-offs | 309.4891% | 1,458 |
| Earnings coverage of net charge-offs (x) | -1.7117% | 6,690 |
| Efficiency ratio | 118.5596% | 585 |
| Assets per employee ($millions) | 3.7515% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 2,680 |
| Loan loss allowance to noncurrent loans | 102.9982% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 3,408 |
| Noncurrent loans to loans | 1.4579% | 3,613 |
| Net loans and leases to total assets | 78.5509% | 1,992 |
| Net loans and leases to deposits | 96.1028% | 2,434 |
| Net loans and leases to core deposits | 116.6555% | 3,045 |
| Total domestic deposits to total assets | 81.7363% | 4,303 |
| Equity capital to assets | 17.3891% | 731 |
| Core capital (leverage) ratio | 20.0119% | 446 |
| Tier 1 risk-based capital ratio | 21.2249% | 1,430 |
| Total risk-based capital ratio | 22.4894% | 1,390 |
| Memoranda: | ||
| Average total assets | $76,160,800 | 5,828 |
| Average earning assets | $73,211,800 | 5,700 |
| Average equity | $17,593,600 | 3,627 |
| Average total loans | $62,516,000 | 5,156 |