Home > Pisgah Community Bank > Performance and Condition Ratios
Pisgah Community Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 5,983 |
| Cost of funding earning assets | 1.2850% | 170 |
| Net interest margin | 2.0955% | 6,813 |
| Noninterest income to average assets | -1.1300% | 7,008 |
| Noninterest expense to average assets | 7.1056% | 147 |
| Loan and lease loss provision to assets | -6.4036% | 7,019 |
| Net operating income to assets | -0.0171% | 6,367 |
| Return on assets (ROA) | -0.0171% | 6,434 |
| Pretax return on assets | -0.0171% | 6,425 |
| Return on Equity (ROE) | -0.7124% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.7124% | 5,915 |
| Net charge-offs to loans | 2.6419% | 148 |
| Credit loss provision to net charge-offs | -406.5217% | 5,431 |
| Earnings coverage of net charge-offs (x) | -4.0761% | 4,061 |
| Efficiency ratio | 1,037.5000% | 6 |
| Assets per employee ($millions) | 4.3760% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5259% | 54 |
| Loan loss allowance to noncurrent loans | 34.2835% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 18.4918% | 35 |
| Noncurrent loans to loans | 19.0352% | 31 |
| Net loans and leases to total assets | 57.4771% | 3,851 |
| Net loans and leases to deposits | 59.1923% | 4,891 |
| Net loans and leases to core deposits | 59.1923% | 5,228 |
| Total domestic deposits to total assets | 97.1024% | 12 |
| Equity capital to assets | 2.5640% | 6,991 |
| Core capital (leverage) ratio | 2.4829% | 6,986 |
| Tier 1 risk-based capital ratio | 3.7005% | 6,984 |
| Total risk-based capital ratio | 5.0066% | 6,983 |
| Memoranda: | ||
| Average total assets | $23,362,000 | 6,850 |
| Average earning assets | $20,234,000 | 6,846 |
| Average equity | $561,500 | 7,011 |
| Average total loans | $13,929,500 | 6,626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 6,396 |
| Cost of funding earning assets | 1.3802% | 266 |
| Net interest margin | 2.0809% | 6,907 |
| Noninterest income to average assets | -1.7024% | 7,073 |
| Noninterest expense to average assets | 7.3933% | 129 |
| Loan and lease loss provision to assets | 0.0037% | 5,877 |
| Net operating income to assets | -7.2892% | 7,075 |
| Return on assets (ROA) | -7.2892% | 7,075 |
| Pretax return on assets | -7.2892% | 7,076 |
| Return on Equity (ROE) | -340.9249% | 7,083 |
| Retained earnings to average equity (ytd only) | -340.9249% | 7,083 |
| Net charge-offs to loans | 3.4261% | 115 |
| Credit loss provision to net charge-offs | 0.1718% | 5,481 |
| Earnings coverage of net charge-offs (x) | -3.3677% | 5,883 |
| Efficiency ratio | 6,858.6207% | 1 |
| Assets per employee ($millions) | 4.9688% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3301% | 19 |
| Loan loss allowance to noncurrent loans | 45.5285% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 19.9807% | 25 |
| Noncurrent loans to loans | 20.4929% | 24 |
| Net loans and leases to total assets | 52.5720% | 4,830 |
| Net loans and leases to deposits | 53.9755% | 5,651 |
| Net loans and leases to core deposits | 53.9755% | 5,876 |
| Total domestic deposits to total assets | 97.3998% | 12 |
| Equity capital to assets | 2.2621% | 7,057 |
| Core capital (leverage) ratio | 2.1424% | 7,059 |
| Tier 1 risk-based capital ratio | 3.4298% | 7,047 |
| Total risk-based capital ratio | 4.7663% | 7,047 |
| Memoranda: | ||
| Average total assets | $26,902,800 | 6,824 |
| Average earning assets | $23,403,000 | 6,830 |
| Average equity | $575,200 | 7,079 |
| Average total loans | $16,987,400 | 6,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 6,379 |
| Cost of funding earning assets | 1.3419% | 370 |
| Net interest margin | 2.2701% | 6,957 |
| Noninterest income to average assets | -2.1543% | 7,177 |
| Noninterest expense to average assets | 7.4111% | 125 |
| Loan and lease loss provision to assets | 0.0049% | 5,748 |
| Net operating income to assets | -7.5959% | 7,175 |
| Return on assets (ROA) | -7.5959% | 7,175 |
| Pretax return on assets | -7.5959% | 7,175 |
| Return on Equity (ROE) | -360.0017% | 7,179 |
| Retained earnings to average equity (ytd only) | -360.0017% | 7,179 |
| Net charge-offs to loans | 3.6370% | 115 |
| Credit loss provision to net charge-offs | 0.2079% | 5,156 |
| Earnings coverage of net charge-offs (x) | -3.2453% | 5,681 |
| Efficiency ratio | -4,118.9189% | 7,181 |
| Assets per employee ($millions) | 5.4252% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8901% | 21 |
| Loan loss allowance to noncurrent loans | 29.3044% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 26.5797% | 12 |
| Noncurrent loans to loans | 30.3371% | 8 |
| Net loans and leases to total assets | 54.5934% | 4,654 |
| Net loans and leases to deposits | 55.9548% | 5,642 |
| Net loans and leases to core deposits | 55.9548% | 5,891 |
| Total domestic deposits to total assets | 97.5669% | 9 |
| Equity capital to assets | 1.9870% | 7,168 |
| Core capital (leverage) ratio | 1.9990% | 7,168 |
| Tier 1 risk-based capital ratio | 2.8910% | 7,160 |
| Total risk-based capital ratio | 4.2212% | 7,160 |
| Memoranda: | ||
| Average total assets | $27,417,500 | 6,904 |
| Average earning assets | $23,845,250 | 6,908 |
| Average equity | $578,500 | 7,178 |
| Average total loans | $17,633,000 | 6,612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 6,429 |
| Cost of funding earning assets | 1.3670% | 396 |
| Net interest margin | 2.2756% | 7,015 |
| Noninterest income to average assets | -2.9512% | 7,243 |
| Noninterest expense to average assets | 8.1411% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -9.1079% | 7,241 |
| Return on assets (ROA) | -9.1079% | 7,240 |
| Pretax return on assets | -9.1079% | 7,240 |
| Return on Equity (ROE) | -423.5469% | 7,242 |
| Retained earnings to average equity (ytd only) | -423.5469% | 7,242 |
| Net charge-offs to loans | 4.9744% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.7844% | 5,407 |
| Efficiency ratio | -842.1053% | 7,243 |
| Assets per employee ($millions) | 5.4544% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7688% | 27 |
| Loan loss allowance to noncurrent loans | 34.5514% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 23.2070% | 22 |
| Noncurrent loans to loans | 25.3790% | 17 |
| Net loans and leases to total assets | 56.2702% | 4,423 |
| Net loans and leases to deposits | 57.6549% | 5,488 |
| Net loans and leases to core deposits | 57.6549% | 5,798 |
| Total domestic deposits to total assets | 97.5983% | 10 |
| Equity capital to assets | 2.0607% | 7,224 |
| Core capital (leverage) ratio | 2.0339% | 7,220 |
| Tier 1 risk-based capital ratio | 2.9268% | 7,217 |
| Total risk-based capital ratio | 4.2548% | 7,217 |
| Memoranda: | ||
| Average total assets | $27,514,670 | 6,961 |
| Average earning assets | $23,993,330 | 6,962 |
| Average equity | $591,670 | 7,238 |
| Average total loans | $18,092,670 | 6,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 6,600 |
| Cost of funding earning assets | 1.3861% | 445 |
| Net interest margin | 2.1946% | 7,094 |
| Noninterest income to average assets | -2.5908% | 7,303 |
| Noninterest expense to average assets | 7.5409% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -8.2067% | 7,292 |
| Return on assets (ROA) | -8.2067% | 7,293 |
| Pretax return on assets | -8.2067% | 7,293 |
| Return on Equity (ROE) | -373.9489% | 7,301 |
| Retained earnings to average equity (ytd only) | -373.9489% | 7,301 |
| Net charge-offs to loans | -0.1709% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -1,132.6087% | 7,302 |
| Assets per employee ($millions) | 5.4304% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9184% | 14 |
| Loan loss allowance to noncurrent loans | 42.9174% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 25.0295% | 17 |
| Noncurrent loans to loans | 25.4406% | 19 |
| Net loans and leases to total assets | 58.0841% | 4,019 |
| Net loans and leases to deposits | 59.5987% | 5,200 |
| Net loans and leases to core deposits | 59.5987% | 5,568 |
| Total domestic deposits to total assets | 97.4588% | 15 |
| Equity capital to assets | 2.2024% | 7,272 |
| Core capital (leverage) ratio | 2.2036% | 7,271 |
| Tier 1 risk-based capital ratio | 3.2018% | 7,270 |
| Total risk-based capital ratio | 4.5618% | 7,269 |
| Memoranda: | ||
| Average total assets | $27,636,000 | 7,010 |
| Average earning assets | $24,241,500 | 7,009 |
| Average equity | $606,500 | 7,300 |
| Average total loans | $18,728,500 | 6,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 6,769 |
| Cost of funding earning assets | 1.5724% | 531 |
| Net interest margin | 2.1881% | 7,182 |
| Noninterest income to average assets | -1.7583% | 7,347 |
| Noninterest expense to average assets | 6.2846% | 184 |
| Loan and lease loss provision to assets | 2.9403% | 129 |
| Net operating income to assets | -9.0200% | 7,349 |
| Return on assets (ROA) | -9.0200% | 7,350 |
| Pretax return on assets | -9.0200% | 7,350 |
| Return on Equity (ROE) | -477.3656% | 7,356 |
| Retained earnings to average equity (ytd only) | -477.3656% | 7,356 |
| Net charge-offs to loans | 1.3785% | 1,188 |
| Credit loss provision to net charge-offs | 303.6810% | 769 |
| Earnings coverage of net charge-offs (x) | -6.2791% | 6,374 |
| Efficiency ratio | 3,066.6667% | 1 |
| Assets per employee ($millions) | 4.0171% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7454% | 16 |
| Loan loss allowance to noncurrent loans | 51.8030% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 20.6579% | 48 |
| Noncurrent loans to loans | 18.8123% | 63 |
| Net loans and leases to total assets | 63.3997% | 3,309 |
| Net loans and leases to deposits | 64.9779% | 4,876 |
| Net loans and leases to core deposits | 68.0796% | 5,019 |
| Total domestic deposits to total assets | 97.5711% | 14 |
| Equity capital to assets | 2.1871% | 7,316 |
| Core capital (leverage) ratio | 2.0857% | 7,317 |
| Tier 1 risk-based capital ratio | 2.9304% | 7,317 |
| Total risk-based capital ratio | 4.2788% | 7,316 |
| Memoranda: | ||
| Average total assets | $33,669,800 | 6,867 |
| Average earning assets | $30,208,400 | 6,865 |
| Average equity | $636,200 | 7,349 |
| Average total loans | $23,648,800 | 6,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 6,885 |
| Cost of funding earning assets | 1.5862% | 619 |
| Net interest margin | 2.1683% | 7,264 |
| Noninterest income to average assets | -2.0499% | 7,428 |
| Noninterest expense to average assets | 6.0547% | 195 |
| Loan and lease loss provision to assets | 3.7652% | 72 |
| Net operating income to assets | -9.9150% | 7,429 |
| Return on assets (ROA) | -9.9150% | 7,429 |
| Pretax return on assets | -9.9150% | 7,429 |
| Return on Equity (ROE) | -541.8410% | 7,435 |
| Retained earnings to average equity (ytd only) | -541.8410% | 7,435 |
| Net charge-offs to loans | 1.7273% | 799 |
| Credit loss provision to net charge-offs | 310.3448% | 912 |
| Earnings coverage of net charge-offs (x) | -5.0690% | 6,101 |
| Efficiency ratio | -6,368.0000% | 7,436 |
| Assets per employee ($millions) | 4.3323% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6886% | 23 |
| Loan loss allowance to noncurrent loans | 37.2398% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 23.7684% | 25 |
| Noncurrent loans to loans | 23.3315% | 35 |
| Net loans and leases to total assets | 66.9525% | 2,682 |
| Net loans and leases to deposits | 68.4951% | 4,522 |
| Net loans and leases to core deposits | 74.2078% | 4,422 |
| Total domestic deposits to total assets | 97.7478% | 9 |
| Equity capital to assets | 1.9620% | 7,408 |
| Core capital (leverage) ratio | 2.0249% | 7,398 |
| Tier 1 risk-based capital ratio | 2.5432% | 7,408 |
| Total risk-based capital ratio | 3.8810% | 7,409 |
| Memoranda: | ||
| Average total assets | $35,057,250 | 6,895 |
| Average earning assets | $31,606,000 | 6,884 |
| Average equity | $641,500 | 7,424 |
| Average total loans | $24,622,750 | 6,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 7,056 |
| Cost of funding earning assets | 1.6420% | 582 |
| Net interest margin | 2.0103% | 7,364 |
| Noninterest income to average assets | -2.7624% | 7,507 |
| Noninterest expense to average assets | 5.9452% | 198 |
| Loan and lease loss provision to assets | 5.3938% | 38 |
| Net operating income to assets | -12.2836% | 7,506 |
| Return on assets (ROA) | -12.2836% | 7,506 |
| Pretax return on assets | -12.2836% | 7,507 |
| Return on Equity (ROE) | -684.9315% | 7,512 |
| Retained earnings to average equity (ytd only) | -684.9315% | 7,512 |
| Net charge-offs to loans | 0.6767% | 2,145 |
| Credit loss provision to net charge-offs | 1,148.8372% | 297 |
| Earnings coverage of net charge-offs (x) | -14.6744% | 5,837 |
| Efficiency ratio | -629.4798% | 7,512 |
| Assets per employee ($millions) | 4.3247% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1300% | 21 |
| Loan loss allowance to noncurrent loans | 39.2345% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 24.3550% | 30 |
| Noncurrent loans to loans | 23.2704% | 38 |
| Net loans and leases to total assets | 71.1129% | 1,979 |
| Net loans and leases to deposits | 73.1051% | 3,931 |
| Net loans and leases to core deposits | 84.5031% | 3,135 |
| Total domestic deposits to total assets | 97.2748% | 14 |
| Equity capital to assets | 2.3189% | 7,463 |
| Core capital (leverage) ratio | 2.0809% | 7,471 |
| Tier 1 risk-based capital ratio | 2.8636% | 7,470 |
| Total risk-based capital ratio | 4.2056% | 7,470 |
| Memoranda: | ||
| Average total assets | $36,634,330 | 6,896 |
| Average earning assets | $33,130,000 | 6,900 |
| Average equity | $657,000 | 7,502 |
| Average total loans | $25,418,330 | 6,515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 6,969 |
| Cost of funding earning assets | 1.6931% | 569 |
| Net interest margin | 2.0915% | 7,390 |
| Noninterest income to average assets | -3.5263% | 7,569 |
| Noninterest expense to average assets | 5.5356% | 252 |
| Loan and lease loss provision to assets | 9.2628% | 17 |
| Net operating income to assets | -16.4260% | 7,570 |
| Return on assets (ROA) | -16.4260% | 7,570 |
| Pretax return on assets | -16.4260% | 7,570 |
| Return on Equity (ROE) | -1,030.7329% | 7,571 |
| Retained earnings to average equity (ytd only) | -1,030.7329% | 7,571 |
| Net charge-offs to loans | -2.7243% | 7,521 |
| Credit loss provision to net charge-offs | -515.0838% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -340.1235% | 7,569 |
| Assets per employee ($millions) | 7.4508% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2653% | 27 |
| Loan loss allowance to noncurrent loans | 37.5995% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 21.2353% | 50 |
| Noncurrent loans to loans | 24.6421% | 37 |
| Net loans and leases to total assets | 62.0900% | 3,837 |
| Net loans and leases to deposits | 64.0429% | 5,248 |
| Net loans and leases to core deposits | 84.6297% | 3,079 |
| Total domestic deposits to total assets | 96.9507% | 18 |
| Equity capital to assets | 2.7299% | 7,497 |
| Core capital (leverage) ratio | 2.4779% | 7,502 |
| Tier 1 risk-based capital ratio | 3.6228% | 7,501 |
| Total risk-based capital ratio | 4.9622% | 7,500 |
| Memoranda: | ||
| Average total assets | $39,815,000 | 6,842 |
| Average earning assets | $36,146,000 | 6,840 |
| Average equity | $634,500 | 7,559 |
| Average total loans | $26,282,000 | 6,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 7,400 |
| Cost of funding earning assets | 1.8918% | 869 |
| Net interest margin | 1.5733% | 7,540 |
| Noninterest income to average assets | 0.0217% | 7,215 |
| Noninterest expense to average assets | 3.4978% | 2,187 |
| Loan and lease loss provision to assets | 16.7296% | 2 |
| Net operating income to assets | -18.7014% | 7,654 |
| Return on assets (ROA) | -18.7014% | 7,654 |
| Pretax return on assets | -18.7014% | 7,654 |
| Return on Equity (ROE) | -481.5662% | 7,658 |
| Retained earnings to average equity (ytd only) | -481.5662% | 7,658 |
| Net charge-offs to loans | 26.1177% | 1 |
| Credit loss provision to net charge-offs | 101.0177% | 4,495 |
| Earnings coverage of net charge-offs (x) | -0.1191% | 6,237 |
| Efficiency ratio | 229.2162% | 65 |
| Assets per employee ($millions) | 7.0627% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6581% | 245 |
| Loan loss allowance to noncurrent loans | 18.0996% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 19.1240% | 77 |
| Noncurrent loans to loans | 25.7360% | 36 |
| Net loans and leases to total assets | 60.9071% | 4,505 |
| Net loans and leases to deposits | 61.3545% | 5,918 |
| Net loans and leases to core deposits | 82.7615% | 3,784 |
| Total domestic deposits to total assets | 99.2708% | 5 |
| Equity capital to assets | 0.5947% | 7,641 |
| Core capital (leverage) ratio | 0.5095% | 7,642 |
| Tier 1 risk-based capital ratio | 0.9102% | 7,639 |
| Total risk-based capital ratio | 1.8204% | 7,639 |
| Memoranda: | ||
| Average total assets | $55,177,800 | 6,365 |
| Average earning assets | $52,754,000 | 6,261 |
| Average equity | $2,142,800 | 7,484 |
| Average total loans | $34,987,800 | 6,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 7,543 |
| Cost of funding earning assets | 1.8867% | 1,071 |
| Net interest margin | 1.5790% | 7,662 |
| Noninterest income to average assets | 0.0069% | 7,421 |
| Noninterest expense to average assets | 3.2112% | 2,887 |
| Loan and lease loss provision to assets | 18.1570% | 2 |
| Net operating income to assets | -19.8494% | 7,758 |
| Return on assets (ROA) | -19.8494% | 7,758 |
| Pretax return on assets | -19.8494% | 7,757 |
| Return on Equity (ROE) | -443.0400% | 7,758 |
| Retained earnings to average equity (ytd only) | -443.0400% | 7,758 |
| Net charge-offs to loans | 28.2696% | 2 |
| Credit loss provision to net charge-offs | 101.4289% | 4,250 |
| Earnings coverage of net charge-offs (x) | -0.0945% | 6,105 |
| Efficiency ratio | 211.4286% | 71 |
| Assets per employee ($millions) | 8.8730% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2129% | 310 |
| Loan loss allowance to noncurrent loans | 24.3810% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 11.3697% | 309 |
| Noncurrent loans to loans | 17.2794% | 116 |
| Net loans and leases to total assets | 54.6658% | 5,748 |
| Net loans and leases to deposits | 56.4099% | 6,589 |
| Net loans and leases to core deposits | 82.1538% | 4,226 |
| Total domestic deposits to total assets | 96.9082% | 14 |
| Equity capital to assets | 2.7800% | 7,701 |
| Core capital (leverage) ratio | 2.6597% | 7,693 |
| Tier 1 risk-based capital ratio | 4.7567% | 7,649 |
| Total risk-based capital ratio | 6.0423% | 7,654 |
| Memoranda: | ||
| Average total assets | $58,378,250 | 6,332 |
| Average earning assets | $55,898,500 | 6,198 |
| Average equity | $2,615,500 | 7,467 |
| Average total loans | $36,967,000 | 6,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 7,642 |
| Cost of funding earning assets | 1.8616% | 1,373 |
| Net interest margin | 1.5294% | 7,738 |
| Noninterest income to average assets | 0.0965% | 7,111 |
| Noninterest expense to average assets | 2.9988% | 3,717 |
| Loan and lease loss provision to assets | 24.4393% | 1 |
| Net operating income to assets | -25.8705% | 7,827 |
| Return on assets (ROA) | -25.8705% | 7,827 |
| Pretax return on assets | -25.8705% | 7,827 |
| Return on Equity (ROE) | -519.2385% | 7,827 |
| Retained earnings to average equity (ytd only) | -519.2385% | 7,827 |
| Net charge-offs to loans | 35.5296% | 1 |
| Credit loss provision to net charge-offs | 105.5484% | 3,859 |
| Earnings coverage of net charge-offs (x) | -0.0618% | 5,773 |
| Efficiency ratio | 191.2951% | 113 |
| Assets per employee ($millions) | 8.2360% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5564% | 243 |
| Loan loss allowance to noncurrent loans | 20.8227% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 13.0594% | 217 |
| Noncurrent loans to loans | 21.8818% | 56 |
| Net loans and leases to total assets | 56.4629% | 5,632 |
| Net loans and leases to deposits | 58.3578% | 6,552 |
| Net loans and leases to core deposits | 87.0537% | 3,686 |
| Total domestic deposits to total assets | 96.7529% | 15 |
| Equity capital to assets | 3.1187% | 7,747 |
| Core capital (leverage) ratio | 3.0341% | 7,742 |
| Tier 1 risk-based capital ratio | 5.3380% | 7,682 |
| Total risk-based capital ratio | 6.6295% | 7,682 |
| Memoranda: | ||
| Average total assets | $60,091,670 | 6,298 |
| Average earning assets | $57,798,670 | 6,176 |
| Average equity | $2,994,000 | 7,415 |
| Average total loans | $39,161,670 | 6,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 7,685 |
| Cost of funding earning assets | 1.8362% | 1,714 |
| Net interest margin | 1.7410% | 7,790 |
| Noninterest income to average assets | 0.0979% | 7,215 |
| Noninterest expense to average assets | 3.0728% | 3,379 |
| Loan and lease loss provision to assets | 41.3756% | 2 |
| Net operating income to assets | -42.6804% | 7,931 |
| Return on assets (ROA) | -42.6804% | 7,931 |
| Pretax return on assets | -42.6804% | 7,931 |
| Return on Equity (ROE) | -728.5078% | 7,924 |
| Retained earnings to average equity (ytd only) | -728.5078% | 7,924 |
| Net charge-offs to loans | 60.8882% | 2 |
| Credit loss provision to net charge-offs | 99.9370% | 3,456 |
| Earnings coverage of net charge-offs (x) | -0.0315% | 5,052 |
| Efficiency ratio | 173.8007% | 133 |
| Assets per employee ($millions) | 5.9850% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0404% | 792 |
| Loan loss allowance to noncurrent loans | 18.0074% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 10.9106% | 336 |
| Noncurrent loans to loans | 16.8839% | 136 |
| Net loans and leases to total assets | 62.0234% | 4,747 |
| Net loans and leases to deposits | 63.0548% | 6,164 |
| Net loans and leases to core deposits | 97.7614% | 2,366 |
| Total domestic deposits to total assets | 98.3642% | 13 |
| Equity capital to assets | 1.5388% | 7,896 |
| Core capital (leverage) ratio | 1.4832% | 7,896 |
| Tier 1 risk-based capital ratio | 2.3749% | 7,891 |
| Total risk-based capital ratio | 3.6461% | 7,890 |
| Memoranda: | ||
| Average total assets | $61,311,500 | 6,333 |
| Average earning assets | $58,816,000 | 6,212 |
| Average equity | $3,592,000 | 7,315 |
| Average total loans | $41,689,500 | 6,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 6,994 |
| Cost of funding earning assets | 1.9078% | 3,425 |
| Net interest margin | 2.8698% | 6,915 |
| Noninterest income to average assets | 0.2235% | 6,515 |
| Noninterest expense to average assets | 2.9952% | 4,161 |
| Loan and lease loss provision to assets | 1.6583% | 1,384 |
| Net operating income to assets | -2.7776% | 7,348 |
| Return on assets (ROA) | -2.7776% | 7,358 |
| Pretax return on assets | -1.6466% | 6,783 |
| Return on Equity (ROE) | -20.0186% | 7,145 |
| Retained earnings to average equity (ytd only) | -20.0186% | 7,109 |
| Net charge-offs to loans | 0.3851% | 4,280 |
| Credit loss provision to net charge-offs | 552.9412% | 544 |
| Earnings coverage of net charge-offs (x) | 0.0392% | 6,144 |
| Efficiency ratio | 99.6089% | 1,123 |
| Assets per employee ($millions) | 5.7066% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5901% | 1,126 |
| Loan loss allowance to noncurrent loans | 291.2718% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,861 |
| Noncurrent loans to loans | 0.8893% | 5,528 |
| Net loans and leases to total assets | 69.9759% | 3,262 |
| Net loans and leases to deposits | 77.8071% | 4,421 |
| Net loans and leases to core deposits | 77.9452% | 6,260 |
| Total domestic deposits to total assets | 89.9352% | 993 |
| Equity capital to assets | 9.9772% | 3,790 |
| Core capital (leverage) ratio | 10.1652% | 2,931 |
| Tier 1 risk-based capital ratio | 14.3894% | 3,271 |
| Total risk-based capital ratio | 15.6577% | 3,211 |
| Memoranda: | ||
| Average total assets | $51,015,200 | 6,667 |
| Average earning assets | $49,481,600 | 6,544 |
| Average equity | $7,078,400 | 6,246 |
| Average total loans | $39,729,000 | 6,124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 7,286 |
| Cost of funding earning assets | 1.8909% | 3,927 |
| Net interest margin | 2.8091% | 7,041 |
| Noninterest income to average assets | 0.2635% | 6,343 |
| Noninterest expense to average assets | 3.0313% | 3,926 |
| Loan and lease loss provision to assets | 1.6446% | 1,142 |
| Net operating income to assets | -3.2892% | 7,651 |
| Return on assets (ROA) | -3.2892% | 7,656 |
| Pretax return on assets | -1.6890% | 7,044 |
| Return on Equity (ROE) | -21.7143% | 7,435 |
| Retained earnings to average equity (ytd only) | -21.7143% | 7,402 |
| Net charge-offs to loans | 0.5210% | 3,133 |
| Credit loss provision to net charge-offs | 395.3333% | 1,010 |
| Earnings coverage of net charge-offs (x) | -0.1067% | 6,191 |
| Efficiency ratio | 101.4856% | 999 |
| Assets per employee ($millions) | 5.8705% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 1,782 |
| Loan loss allowance to noncurrent loans | 219.0931% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,700 |
| Noncurrent loans to loans | 0.9163% | 5,459 |
| Net loans and leases to total assets | 76.3325% | 1,925 |
| Net loans and leases to deposits | 85.9387% | 3,327 |
| Net loans and leases to core deposits | 85.9387% | 5,873 |
| Total domestic deposits to total assets | 88.8221% | 1,283 |
| Equity capital to assets | 11.0621% | 2,960 |
| Core capital (leverage) ratio | 11.7269% | 1,952 |
| Tier 1 risk-based capital ratio | 14.5638% | 3,243 |
| Total risk-based capital ratio | 15.8242% | 3,183 |
| Memoranda: | ||
| Average total assets | $48,075,750 | 6,835 |
| Average earning assets | $46,608,500 | 6,708 |
| Average equity | $7,282,250 | 6,234 |
| Average total loans | $38,387,750 | 6,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 7,525 |
| Cost of funding earning assets | 1.9182% | 4,173 |
| Net interest margin | 2.6874% | 7,227 |
| Noninterest income to average assets | 0.2919% | 6,185 |
| Noninterest expense to average assets | 3.1393% | 3,541 |
| Loan and lease loss provision to assets | 1.5270% | 1,117 |
| Net operating income to assets | -1.0868% | 7,045 |
| Return on assets (ROA) | -1.0868% | 7,044 |
| Pretax return on assets | -1.7695% | 7,204 |
| Return on Equity (ROE) | -6.4148% | 6,751 |
| Retained earnings to average equity (ytd only) | -6.4148% | 6,502 |
| Net charge-offs to loans | 0.5565% | 2,662 |
| Credit loss provision to net charge-offs | 340.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | -0.5400% | 6,094 |
| Efficiency ratio | 108.3721% | 898 |
| Assets per employee ($millions) | 5.1983% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 2,629 |
| Loan loss allowance to noncurrent loans | 616.3793% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,943 |
| Noncurrent loans to loans | 0.2639% | 6,866 |
| Net loans and leases to total assets | 83.1830% | 761 |
| Net loans and leases to deposits | 97.2691% | 1,631 |
| Net loans and leases to core deposits | 97.4950% | 4,741 |
| Total domestic deposits to total assets | 85.5183% | 3,010 |
| Equity capital to assets | 14.3085% | 1,222 |
| Core capital (leverage) ratio | 14.1060% | 1,115 |
| Tier 1 risk-based capital ratio | 15.8216% | 2,684 |
| Total risk-based capital ratio | 17.0758% | 2,625 |
| Memoranda: | ||
| Average total assets | $44,532,670 | 7,035 |
| Average earning assets | $43,164,670 | 6,917 |
| Average equity | $7,545,000 | 6,166 |
| Average total loans | $35,940,670 | 6,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 7,819 |
| Cost of funding earning assets | 1.9397% | 4,435 |
| Net interest margin | 2.4246% | 7,591 |
| Noninterest income to average assets | 0.1176% | 7,436 |
| Noninterest expense to average assets | 3.1563% | 3,166 |
| Loan and lease loss provision to assets | 1.9114% | 637 |
| Net operating income to assets | -1.5977% | 7,541 |
| Return on assets (ROA) | -1.5977% | 7,542 |
| Pretax return on assets | -2.5976% | 7,680 |
| Return on Equity (ROE) | -8.5806% | 7,276 |
| Retained earnings to average equity (ytd only) | -8.5806% | 6,970 |
| Net charge-offs to loans | 1.2526% | 1,122 |
| Credit loss provision to net charge-offs | 195.0000% | 2,265 |
| Earnings coverage of net charge-offs (x) | -0.7000% | 5,302 |
| Efficiency ratio | 127.7778% | 527 |
| Assets per employee ($millions) | 4.4718% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,611 |
| Loan loss allowance to noncurrent loans | 491.3793% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 6,732 |
| Noncurrent loans to loans | 0.3212% | 6,640 |
| Net loans and leases to total assets | 79.4982% | 1,475 |
| Net loans and leases to deposits | 95.6725% | 1,994 |
| Net loans and leases to core deposits | 95.9359% | 4,975 |
| Total domestic deposits to total assets | 83.0941% | 4,097 |
| Equity capital to assets | 16.8098% | 747 |
| Core capital (leverage) ratio | 17.9496% | 563 |
| Tier 1 risk-based capital ratio | 18.7902% | 1,862 |
| Total risk-based capital ratio | 20.0434% | 1,810 |
| Memoranda: | ||
| Average total assets | $40,807,500 | 7,213 |
| Average earning assets | $39,594,500 | 7,110 |
| Average equity | $7,598,500 | 6,189 |
| Average total loans | $31,933,000 | 6,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4403% | 8,202 |
| Cost of funding earning assets | 1.2275% | 7,912 |
| Net interest margin | 1.2128% | 8,213 |
| Noninterest income to average assets | 0.2603% | 6,589 |
| Noninterest expense to average assets | 5.0201% | 615 |
| Loan and lease loss provision to assets | 1.6710% | 780 |
| Net operating income to assets | -3.2365% | 7,874 |
| Return on assets (ROA) | -3.2365% | 7,854 |
| Pretax return on assets | -5.2663% | 8,048 |
| Return on Equity (ROE) | -11.6850% | 7,404 |
| Retained earnings to average equity (ytd only) | -11.6850% | 7,224 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 352.3457% | 79 |
| Assets per employee ($millions) | 3.6897% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,875 |
| Loan loss allowance to noncurrent loans | 475.0000% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 6,492 |
| Noncurrent loans to loans | 0.3604% | 6,286 |
| Net loans and leases to total assets | 73.9112% | 3,123 |
| Net loans and leases to deposits | 93.5380% | 2,848 |
| Net loans and leases to core deposits | 94.8524% | 5,371 |
| Total domestic deposits to total assets | 79.0173% | 5,375 |
| Equity capital to assets | 20.8147% | 418 |
| Core capital (leverage) ratio | 22.8628% | 313 |
| Tier 1 risk-based capital ratio | 25.1131% | 975 |
| Total risk-based capital ratio | 26.3683% | 957 |
| Memoranda: | ||
| Average total assets | $28,426,000 | 7,708 |
| Average earning assets | $27,291,670 | 7,649 |
| Average equity | $7,873,330 | 6,136 |
| Average total loans | $20,257,330 | 7,318 |