Home > Simmons First Bank of Northwest Arkansas > Performance and Condition Ratios
Simmons First Bank of Northwest Arkansas, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 4,531 |
| Cost of funding earning assets | 0.4266% | 4,530 |
| Net interest margin | 3.4667% | 4,028 |
| Noninterest income to average assets | 0.8045% | 2,118 |
| Noninterest expense to average assets | 3.1959% | 2,382 |
| Loan and lease loss provision to assets | 0.1354% | 2,587 |
| Net operating income to assets | 0.2107% | 5,884 |
| Return on assets (ROA) | 0.2107% | 5,970 |
| Pretax return on assets | 0.2248% | 6,001 |
| Return on Equity (ROE) | 1.3801% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.3801% | 5,430 |
| Net charge-offs to loans | 0.6703% | 899 |
| Credit loss provision to net charge-offs | 36.9822% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 4,516 |
| Efficiency ratio | 89.8690% | 1,004 |
| Assets per employee ($millions) | 3.2741% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 1,587 |
| Loan loss allowance to noncurrent loans | 241.5205% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 5.4049% | 489 |
| Noncurrent loans to loans | 0.8537% | 4,112 |
| Net loans and leases to total assets | 55.9266% | 4,332 |
| Net loans and leases to deposits | 68.5485% | 3,993 |
| Net loans and leases to core deposits | 77.1790% | 3,472 |
| Total domestic deposits to total assets | 81.5869% | 5,059 |
| Equity capital to assets | 15.3661% | 647 |
| Core capital (leverage) ratio | 14.1413% | 837 |
| Tier 1 risk-based capital ratio | 20.0374% | 1,727 |
| Total risk-based capital ratio | 21.2944% | 1,699 |
| Memoranda: | ||
| Average total assets | $246,102,000 | 2,582 |
| Average earning assets | $195,340,000 | 2,907 |
| Average equity | $37,581,000 | 1,858 |
| Average total loans | $134,466,500 | 2,793 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 4,506 |
| Cost of funding earning assets | 0.4438% | 4,498 |
| Net interest margin | 3.4496% | 4,006 |
| Noninterest income to average assets | 0.6984% | 2,649 |
| Noninterest expense to average assets | 3.2361% | 2,258 |
| Loan and lease loss provision to assets | 0.1348% | 2,644 |
| Net operating income to assets | 0.1088% | 6,114 |
| Return on assets (ROA) | 0.1088% | 6,204 |
| Pretax return on assets | 0.0609% | 6,292 |
| Return on Equity (ROE) | 0.7141% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.7141% | 5,611 |
| Net charge-offs to loans | 1.0034% | 605 |
| Credit loss provision to net charge-offs | 24.9624% | 3,663 |
| Earnings coverage of net charge-offs (x) | 0.3624% | 4,419 |
| Efficiency ratio | 94.2972% | 753 |
| Assets per employee ($millions) | 3.1727% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1337% | 1,559 |
| Loan loss allowance to noncurrent loans | 307.6419% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 5.5441% | 524 |
| Noncurrent loans to loans | 0.6936% | 4,547 |
| Net loans and leases to total assets | 52.9092% | 4,753 |
| Net loans and leases to deposits | 65.2368% | 4,352 |
| Net loans and leases to core deposits | 73.0861% | 3,913 |
| Total domestic deposits to total assets | 81.1033% | 5,315 |
| Equity capital to assets | 15.3351% | 647 |
| Core capital (leverage) ratio | 13.8078% | 875 |
| Tier 1 risk-based capital ratio | 20.7149% | 1,565 |
| Total risk-based capital ratio | 21.9721% | 1,532 |
| Memoranda: | ||
| Average total assets | $246,284,670 | 2,586 |
| Average earning assets | $195,154,330 | 2,926 |
| Average equity | $37,530,670 | 1,868 |
| Average total loans | $132,548,330 | 2,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,576 |
| Cost of funding earning assets | 0.4492% | 4,601 |
| Net interest margin | 3.4229% | 4,037 |
| Noninterest income to average assets | 0.7732% | 2,239 |
| Noninterest expense to average assets | 3.2255% | 2,278 |
| Loan and lease loss provision to assets | 0.1213% | 2,707 |
| Net operating income to assets | 0.1585% | 6,011 |
| Return on assets (ROA) | 0.1585% | 6,109 |
| Pretax return on assets | 0.1504% | 6,171 |
| Return on Equity (ROE) | 1.0435% | 6,212 |
| Retained earnings to average equity (ytd only) | 1.0435% | 5,434 |
| Net charge-offs to loans | 0.4549% | 1,309 |
| Credit loss provision to net charge-offs | 49.6689% | 2,606 |
| Earnings coverage of net charge-offs (x) | 1.1126% | 3,467 |
| Efficiency ratio | 92.2294% | 959 |
| Assets per employee ($millions) | 3.1775% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4120% | 1,234 |
| Loan loss allowance to noncurrent loans | 115.9986% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 5.9261% | 539 |
| Noncurrent loans to loans | 2.0793% | 2,534 |
| Net loans and leases to total assets | 52.2378% | 4,672 |
| Net loans and leases to deposits | 64.0465% | 4,306 |
| Net loans and leases to core deposits | 72.0994% | 3,805 |
| Total domestic deposits to total assets | 81.5624% | 5,336 |
| Equity capital to assets | 14.9818% | 760 |
| Core capital (leverage) ratio | 13.9002% | 823 |
| Tier 1 risk-based capital ratio | 20.6459% | 1,626 |
| Total risk-based capital ratio | 21.9061% | 1,591 |
| Memoranda: | ||
| Average total assets | $247,279,000 | 2,610 |
| Average earning assets | $196,790,000 | 2,938 |
| Average equity | $37,564,500 | 1,884 |
| Average total loans | $132,786,000 | 2,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 5,081 |
| Cost of funding earning assets | 0.5659% | 4,683 |
| Net interest margin | 3.4992% | 4,506 |
| Noninterest income to average assets | 0.8672% | 1,965 |
| Noninterest expense to average assets | 3.2631% | 2,446 |
| Loan and lease loss provision to assets | 0.4878% | 1,247 |
| Net operating income to assets | 0.0068% | 6,153 |
| Return on assets (ROA) | 0.0068% | 6,296 |
| Pretax return on assets | -0.1221% | 6,377 |
| Return on Equity (ROE) | 0.0453% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.0453% | 5,811 |
| Net charge-offs to loans | 0.8947% | 1,273 |
| Credit loss provision to net charge-offs | 102.5231% | 2,934 |
| Earnings coverage of net charge-offs (x) | 0.7687% | 5,094 |
| Efficiency ratio | 89.9206% | 1,078 |
| Assets per employee ($millions) | 3.0066% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5282% | 1,100 |
| Loan loss allowance to noncurrent loans | 100.1812% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 6.3568% | 524 |
| Noncurrent loans to loans | 2.5236% | 2,091 |
| Net loans and leases to total assets | 52.5120% | 4,843 |
| Net loans and leases to deposits | 65.2100% | 4,389 |
| Net loans and leases to core deposits | 73.2431% | 3,884 |
| Total domestic deposits to total assets | 80.5275% | 5,538 |
| Equity capital to assets | 15.4069% | 656 |
| Core capital (leverage) ratio | 13.8677% | 836 |
| Tier 1 risk-based capital ratio | 20.9487% | 1,473 |
| Total risk-based capital ratio | 22.2102% | 1,443 |
| Memoranda: | ||
| Average total assets | $249,885,400 | 2,533 |
| Average earning assets | $197,218,400 | 2,872 |
| Average equity | $37,509,600 | 1,852 |
| Average total loans | $132,897,200 | 2,829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 5,300 |
| Cost of funding earning assets | 0.5873% | 4,772 |
| Net interest margin | 3.4786% | 4,719 |
| Noninterest income to average assets | 0.9406% | 1,705 |
| Noninterest expense to average assets | 3.2549% | 2,407 |
| Loan and lease loss provision to assets | 0.5668% | 1,014 |
| Net operating income to assets | -0.0005% | 6,283 |
| Return on assets (ROA) | -0.0005% | 6,408 |
| Pretax return on assets | -0.1331% | 6,501 |
| Return on Equity (ROE) | -0.0035% | 6,408 |
| Retained earnings to average equity (ytd only) | -0.0035% | 6,074 |
| Net charge-offs to loans | 1.1371% | 884 |
| Credit loss provision to net charge-offs | 94.0193% | 3,174 |
| Earnings coverage of net charge-offs (x) | 0.7194% | 4,968 |
| Efficiency ratio | 88.2421% | 1,167 |
| Assets per employee ($millions) | 2.9885% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4409% | 1,286 |
| Loan loss allowance to noncurrent loans | 96.9286% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 6.7028% | 546 |
| Noncurrent loans to loans | 2.5182% | 2,268 |
| Net loans and leases to total assets | 51.8702% | 5,069 |
| Net loans and leases to deposits | 64.2556% | 4,682 |
| Net loans and leases to core deposits | 71.9995% | 4,252 |
| Total domestic deposits to total assets | 80.7248% | 5,444 |
| Equity capital to assets | 15.1243% | 796 |
| Core capital (leverage) ratio | 13.6510% | 962 |
| Tier 1 risk-based capital ratio | 20.4500% | 1,644 |
| Total risk-based capital ratio | 21.7100% | 1,611 |
| Memoranda: | ||
| Average total assets | $251,473,500 | 2,541 |
| Average earning assets | $198,656,500 | 2,878 |
| Average equity | $37,506,750 | 1,875 |
| Average total loans | $133,321,250 | 2,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 5,469 |
| Cost of funding earning assets | 0.6143% | 4,770 |
| Net interest margin | 3.4412% | 4,919 |
| Noninterest income to average assets | 1.1100% | 1,163 |
| Noninterest expense to average assets | 3.2460% | 2,449 |
| Loan and lease loss provision to assets | 0.7205% | 737 |
| Net operating income to assets | 0.0055% | 6,313 |
| Return on assets (ROA) | 0.0055% | 6,449 |
| Pretax return on assets | -0.1243% | 6,535 |
| Return on Equity (ROE) | 0.0373% | 6,451 |
| Retained earnings to average equity (ytd only) | 0.0373% | 6,021 |
| Net charge-offs to loans | 1.5575% | 621 |
| Credit loss provision to net charge-offs | 87.3321% | 3,123 |
| Earnings coverage of net charge-offs (x) | 0.7226% | 4,689 |
| Efficiency ratio | 84.4838% | 1,583 |
| Assets per employee ($millions) | 2.9746% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 1,447 |
| Loan loss allowance to noncurrent loans | 101.1218% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 6.9568% | 569 |
| Noncurrent loans to loans | 2.3527% | 2,547 |
| Net loans and leases to total assets | 51.8103% | 5,122 |
| Net loans and leases to deposits | 64.1698% | 4,745 |
| Net loans and leases to core deposits | 71.6810% | 4,329 |
| Total domestic deposits to total assets | 80.7395% | 5,546 |
| Equity capital to assets | 15.0135% | 783 |
| Core capital (leverage) ratio | 13.5102% | 978 |
| Tier 1 risk-based capital ratio | 20.2488% | 1,650 |
| Total risk-based capital ratio | 21.5085% | 1,614 |
| Memoranda: | ||
| Average total assets | $252,616,670 | 2,520 |
| Average earning assets | $200,567,670 | 2,863 |
| Average equity | $37,504,000 | 1,862 |
| Average total loans | $133,801,670 | 2,855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 5,617 |
| Cost of funding earning assets | 0.6530% | 4,705 |
| Net interest margin | 3.3931% | 5,147 |
| Noninterest income to average assets | 1.1071% | 1,155 |
| Noninterest expense to average assets | 3.2222% | 2,526 |
| Loan and lease loss provision to assets | 0.7213% | 717 |
| Net operating income to assets | 0.0031% | 6,408 |
| Return on assets (ROA) | 0.0031% | 6,521 |
| Pretax return on assets | -0.1276% | 6,616 |
| Return on Equity (ROE) | 0.0213% | 6,523 |
| Retained earnings to average equity (ytd only) | 0.0213% | 5,969 |
| Net charge-offs to loans | 3.7055% | 168 |
| Credit loss provision to net charge-offs | 36.7871% | 3,500 |
| Earnings coverage of net charge-offs (x) | 0.3028% | 4,212 |
| Efficiency ratio | 84.4408% | 1,644 |
| Assets per employee ($millions) | 3.1857% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 2,706 |
| Loan loss allowance to noncurrent loans | 93.3881% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 6.7152% | 656 |
| Noncurrent loans to loans | 2.0239% | 3,118 |
| Net loans and leases to total assets | 50.2905% | 5,265 |
| Net loans and leases to deposits | 61.9731% | 4,923 |
| Net loans and leases to core deposits | 69.5685% | 4,488 |
| Total domestic deposits to total assets | 81.1489% | 5,563 |
| Equity capital to assets | 14.5352% | 854 |
| Core capital (leverage) ratio | 13.4221% | 975 |
| Tier 1 risk-based capital ratio | 20.2947% | 1,641 |
| Total risk-based capital ratio | 21.5493% | 1,610 |
| Memoranda: | ||
| Average total assets | $253,990,500 | 2,530 |
| Average earning assets | $202,766,500 | 2,864 |
| Average equity | $37,499,000 | 1,863 |
| Average total loans | $134,396,000 | 2,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 5,936 |
| Cost of funding earning assets | 0.8763% | 4,279 |
| Net interest margin | 3.3672% | 5,590 |
| Noninterest income to average assets | 0.9787% | 1,428 |
| Noninterest expense to average assets | 3.1085% | 3,166 |
| Loan and lease loss provision to assets | 0.6677% | 1,532 |
| Net operating income to assets | 0.0348% | 5,983 |
| Return on assets (ROA) | 0.0348% | 6,096 |
| Pretax return on assets | -0.0482% | 6,172 |
| Return on Equity (ROE) | 0.2429% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.2429% | 5,715 |
| Net charge-offs to loans | 0.7001% | 2,403 |
| Credit loss provision to net charge-offs | 172.3593% | 1,543 |
| Earnings coverage of net charge-offs (x) | 1.5992% | 4,573 |
| Efficiency ratio | 83.3812% | 1,833 |
| Assets per employee ($millions) | 2.9404% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 1,453 |
| Loan loss allowance to noncurrent loans | 59.8289% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 7.5903% | 568 |
| Noncurrent loans to loans | 4.0243% | 1,551 |
| Net loans and leases to total assets | 53.3068% | 5,128 |
| Net loans and leases to deposits | 66.0290% | 4,724 |
| Net loans and leases to core deposits | 74.8401% | 4,125 |
| Total domestic deposits to total assets | 80.7324% | 5,536 |
| Equity capital to assets | 15.0001% | 782 |
| Core capital (leverage) ratio | 13.2219% | 1,065 |
| Tier 1 risk-based capital ratio | 20.1992% | 1,594 |
| Total risk-based capital ratio | 21.4592% | 1,564 |
| Memoranda: | ||
| Average total assets | $261,475,800 | 2,416 |
| Average earning assets | $213,500,600 | 2,690 |
| Average equity | $37,466,600 | 1,789 |
| Average total loans | $144,694,200 | 2,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 6,041 |
| Cost of funding earning assets | 0.9181% | 4,287 |
| Net interest margin | 3.3479% | 5,729 |
| Noninterest income to average assets | 0.9517% | 1,482 |
| Noninterest expense to average assets | 3.0841% | 3,222 |
| Loan and lease loss provision to assets | 0.6607% | 1,469 |
| Net operating income to assets | 0.0303% | 6,111 |
| Return on assets (ROA) | 0.0303% | 6,208 |
| Pretax return on assets | -0.0509% | 6,282 |
| Return on Equity (ROE) | 0.2136% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.2136% | 5,895 |
| Net charge-offs to loans | 0.7269% | 2,102 |
| Credit loss provision to net charge-offs | 163.7500% | 1,864 |
| Earnings coverage of net charge-offs (x) | 1.5113% | 4,503 |
| Efficiency ratio | 83.4926% | 1,790 |
| Assets per employee ($millions) | 3.0161% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 1,957 |
| Loan loss allowance to noncurrent loans | 38.7946% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 7.7114% | 597 |
| Noncurrent loans to loans | 5.5515% | 1,061 |
| Net loans and leases to total assets | 53.6672% | 5,218 |
| Net loans and leases to deposits | 66.0898% | 4,894 |
| Net loans and leases to core deposits | 74.7848% | 4,343 |
| Total domestic deposits to total assets | 81.2034% | 5,368 |
| Equity capital to assets | 14.4528% | 1,010 |
| Core capital (leverage) ratio | 13.0912% | 1,190 |
| Tier 1 risk-based capital ratio | 19.9745% | 1,691 |
| Total risk-based capital ratio | 21.2328% | 1,661 |
| Memoranda: | ||
| Average total assets | $264,360,250 | 2,399 |
| Average earning assets | $216,528,500 | 2,664 |
| Average equity | $37,460,500 | 1,800 |
| Average total loans | $146,737,500 | 2,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 5,881 |
| Cost of funding earning assets | 0.9731% | 4,143 |
| Net interest margin | 3.3646% | 5,662 |
| Noninterest income to average assets | 0.9443% | 1,486 |
| Noninterest expense to average assets | 3.0795% | 3,333 |
| Loan and lease loss provision to assets | 0.6541% | 1,472 |
| Net operating income to assets | 0.0496% | 6,121 |
| Return on assets (ROA) | 0.0496% | 6,204 |
| Pretax return on assets | -0.0286% | 6,291 |
| Return on Equity (ROE) | 0.3525% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.3525% | 5,705 |
| Net charge-offs to loans | 1.0578% | 1,486 |
| Credit loss provision to net charge-offs | 110.9694% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.0612% | 4,496 |
| Efficiency ratio | 83.1169% | 1,942 |
| Assets per employee ($millions) | 3.0370% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 2,952 |
| Loan loss allowance to noncurrent loans | 40.0303% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 7.2225% | 688 |
| Noncurrent loans to loans | 4.5253% | 1,459 |
| Net loans and leases to total assets | 54.1583% | 5,270 |
| Net loans and leases to deposits | 66.4384% | 4,928 |
| Net loans and leases to core deposits | 74.7447% | 4,478 |
| Total domestic deposits to total assets | 81.5166% | 5,345 |
| Equity capital to assets | 14.1914% | 1,033 |
| Core capital (leverage) ratio | 12.9684% | 1,179 |
| Tier 1 risk-based capital ratio | 19.4818% | 1,720 |
| Total risk-based capital ratio | 20.7368% | 1,691 |
| Memoranda: | ||
| Average total assets | $266,019,670 | 2,393 |
| Average earning assets | $218,273,330 | 2,665 |
| Average equity | $37,451,330 | 1,791 |
| Average total loans | $148,227,670 | 2,712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 5,723 |
| Cost of funding earning assets | 1.0553% | 3,812 |
| Net interest margin | 3.3372% | 5,652 |
| Noninterest income to average assets | 0.9276% | 1,554 |
| Noninterest expense to average assets | 3.1170% | 3,188 |
| Loan and lease loss provision to assets | 0.6564% | 1,308 |
| Net operating income to assets | 0.0045% | 6,340 |
| Return on assets (ROA) | 0.0045% | 6,373 |
| Pretax return on assets | -0.1019% | 6,451 |
| Return on Equity (ROE) | 0.0321% | 6,377 |
| Retained earnings to average equity (ytd only) | 0.0321% | 5,778 |
| Net charge-offs to loans | 0.0589% | 4,346 |
| Credit loss provision to net charge-offs | 1,990.9091% | 202 |
| Earnings coverage of net charge-offs (x) | 16.8182% | 1,248 |
| Efficiency ratio | 84.8980% | 1,858 |
| Assets per employee ($millions) | 2.9350% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 2,420 |
| Loan loss allowance to noncurrent loans | 58.9520% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 6.8178% | 800 |
| Noncurrent loans to loans | 3.3921% | 2,211 |
| Net loans and leases to total assets | 55.1021% | 5,144 |
| Net loans and leases to deposits | 68.1564% | 4,660 |
| Net loans and leases to core deposits | 75.7162% | 4,338 |
| Total domestic deposits to total assets | 80.8466% | 5,706 |
| Equity capital to assets | 14.1698% | 955 |
| Core capital (leverage) ratio | 12.6952% | 1,243 |
| Tier 1 risk-based capital ratio | 18.6961% | 1,900 |
| Total risk-based capital ratio | 19.9521% | 1,851 |
| Memoranda: | ||
| Average total assets | $266,921,500 | 2,409 |
| Average earning assets | $219,463,500 | 2,669 |
| Average equity | $37,429,000 | 1,778 |
| Average total loans | $149,474,000 | 2,721 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 5,573 |
| Cost of funding earning assets | 1.3471% | 3,595 |
| Net interest margin | 3.4153% | 5,571 |
| Noninterest income to average assets | 0.9538% | 1,660 |
| Noninterest expense to average assets | 3.1580% | 3,244 |
| Loan and lease loss provision to assets | 0.6441% | 2,560 |
| Net operating income to assets | 0.0455% | 5,712 |
| Return on assets (ROA) | 0.0455% | 5,849 |
| Pretax return on assets | -0.0118% | 5,913 |
| Return on Equity (ROE) | 0.3514% | 5,871 |
| Retained earnings to average equity (ytd only) | 0.3514% | 5,402 |
| Net charge-offs to loans | 1.2936% | 1,724 |
| Credit loss provision to net charge-offs | 82.5510% | 5,465 |
| Earnings coverage of net charge-offs (x) | 0.8103% | 5,320 |
| Efficiency ratio | 83.3187% | 2,014 |
| Assets per employee ($millions) | 3.0303% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 3,224 |
| Loan loss allowance to noncurrent loans | 102.1600% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 5.7027% | 1,073 |
| Noncurrent loans to loans | 1.6619% | 4,009 |
| Net loans and leases to total assets | 54.8297% | 5,522 |
| Net loans and leases to deposits | 69.1582% | 4,939 |
| Net loans and leases to core deposits | 77.3290% | 4,545 |
| Total domestic deposits to total assets | 79.2816% | 6,015 |
| Equity capital to assets | 13.8782% | 1,075 |
| Core capital (leverage) ratio | 12.3799% | 1,358 |
| Tier 1 risk-based capital ratio | 18.3708% | 1,886 |
| Total risk-based capital ratio | 19.6238% | 1,844 |
| Memoranda: | ||
| Average total assets | $270,299,200 | 2,358 |
| Average earning assets | $224,488,000 | 2,574 |
| Average equity | $34,999,600 | 1,895 |
| Average total loans | $163,030,600 | 2,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 5,539 |
| Cost of funding earning assets | 1.3917% | 3,628 |
| Net interest margin | 3.4410% | 5,525 |
| Noninterest income to average assets | 0.9357% | 1,665 |
| Noninterest expense to average assets | 3.1778% | 3,006 |
| Loan and lease loss provision to assets | 0.6424% | 2,379 |
| Net operating income to assets | 0.0375% | 5,908 |
| Return on assets (ROA) | 0.0375% | 6,046 |
| Pretax return on assets | -0.0187% | 6,113 |
| Return on Equity (ROE) | 0.2946% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.2946% | 5,667 |
| Net charge-offs to loans | 1.2941% | 1,578 |
| Credit loss provision to net charge-offs | 80.7812% | 5,108 |
| Earnings coverage of net charge-offs (x) | 0.7843% | 5,268 |
| Efficiency ratio | 83.5949% | 1,881 |
| Assets per employee ($millions) | 3.0260% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,225 |
| Loan loss allowance to noncurrent loans | 168.1906% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 5.6826% | 1,072 |
| Noncurrent loans to loans | 0.9983% | 5,239 |
| Net loans and leases to total assets | 56.1636% | 5,526 |
| Net loans and leases to deposits | 70.6760% | 5,055 |
| Net loans and leases to core deposits | 79.2868% | 4,619 |
| Total domestic deposits to total assets | 79.4663% | 5,878 |
| Equity capital to assets | 13.7423% | 1,261 |
| Core capital (leverage) ratio | 12.5155% | 1,400 |
| Tier 1 risk-based capital ratio | 17.8946% | 2,053 |
| Total risk-based capital ratio | 19.1476% | 2,017 |
| Memoranda: | ||
| Average total assets | $270,449,750 | 2,388 |
| Average earning assets | $225,236,750 | 2,599 |
| Average equity | $34,392,250 | 1,949 |
| Average total loans | $166,181,250 | 2,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 5,552 |
| Cost of funding earning assets | 1.4465% | 3,584 |
| Net interest margin | 3.4198% | 5,561 |
| Noninterest income to average assets | 0.9503% | 1,516 |
| Noninterest expense to average assets | 3.1651% | 3,033 |
| Loan and lease loss provision to assets | 0.6434% | 2,235 |
| Net operating income to assets | 0.0326% | 6,033 |
| Return on assets (ROA) | 0.0326% | 6,126 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.2636% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.2636% | 5,650 |
| Net charge-offs to loans | 1.3540% | 1,407 |
| Credit loss provision to net charge-offs | 75.5440% | 4,823 |
| Earnings coverage of net charge-offs (x) | 0.7554% | 4,996 |
| Efficiency ratio | 83.1063% | 2,027 |
| Assets per employee ($millions) | 2.8531% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,346 |
| Loan loss allowance to noncurrent loans | 65.2099% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 5.7768% | 1,041 |
| Noncurrent loans to loans | 2.4918% | 3,161 |
| Net loans and leases to total assets | 59.6186% | 5,137 |
| Net loans and leases to deposits | 75.2438% | 4,479 |
| Net loans and leases to core deposits | 85.6844% | 3,877 |
| Total domestic deposits to total assets | 79.2340% | 5,965 |
| Equity capital to assets | 13.9489% | 1,175 |
| Core capital (leverage) ratio | 12.3995% | 1,449 |
| Tier 1 risk-based capital ratio | 17.6707% | 2,047 |
| Total risk-based capital ratio | 18.9236% | 2,018 |
| Memoranda: | ||
| Average total assets | $269,819,000 | 2,425 |
| Average earning assets | $225,508,670 | 2,617 |
| Average equity | $33,381,000 | 1,993 |
| Average total loans | $169,718,670 | 2,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 5,129 |
| Cost of funding earning assets | 1.5052% | 3,520 |
| Net interest margin | 3.4721% | 5,280 |
| Noninterest income to average assets | 0.9149% | 1,573 |
| Noninterest expense to average assets | 3.1290% | 3,147 |
| Loan and lease loss provision to assets | 0.6429% | 1,969 |
| Net operating income to assets | 0.0961% | 6,034 |
| Return on assets (ROA) | 0.0961% | 6,134 |
| Pretax return on assets | 0.0547% | 6,245 |
| Return on Equity (ROE) | 0.8289% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.8289% | 5,483 |
| Net charge-offs to loans | 1.1217% | 1,501 |
| Credit loss provision to net charge-offs | 89.5062% | 3,671 |
| Earnings coverage of net charge-offs (x) | 0.9712% | 4,190 |
| Efficiency ratio | 81.7690% | 2,300 |
| Assets per employee ($millions) | 2.8000% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,124 |
| Loan loss allowance to noncurrent loans | 86.5280% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 5.2065% | 1,212 |
| Noncurrent loans to loans | 1.9461% | 3,865 |
| Net loans and leases to total assets | 62.3584% | 4,686 |
| Net loans and leases to deposits | 76.4665% | 4,330 |
| Net loans and leases to core deposits | 87.1342% | 3,728 |
| Total domestic deposits to total assets | 81.5499% | 5,250 |
| Equity capital to assets | 11.6633% | 2,257 |
| Core capital (leverage) ratio | 10.1808% | 2,952 |
| Tier 1 risk-based capital ratio | 13.9663% | 3,675 |
| Total risk-based capital ratio | 15.2202% | 3,637 |
| Memoranda: | ||
| Average total assets | $270,632,000 | 2,466 |
| Average earning assets | $226,953,500 | 2,665 |
| Average equity | $31,366,500 | 2,121 |
| Average total loans | $173,311,000 | 2,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 5,985 |
| Cost of funding earning assets | 2.0418% | 2,764 |
| Net interest margin | 3.0823% | 6,422 |
| Noninterest income to average assets | 0.9283% | 1,836 |
| Noninterest expense to average assets | 3.0488% | 3,951 |
| Loan and lease loss provision to assets | 0.6261% | 3,304 |
| Net operating income to assets | 0.0165% | 5,439 |
| Return on assets (ROA) | 0.0165% | 5,484 |
| Pretax return on assets | -0.0727% | 5,561 |
| Return on Equity (ROE) | 0.1551% | 5,490 |
| Retained earnings to average equity (ytd only) | 0.1551% | 4,817 |
| Net charge-offs to loans | 1.3086% | 1,900 |
| Credit loss provision to net charge-offs | 71.8838% | 6,453 |
| Earnings coverage of net charge-offs (x) | 0.6353% | 5,459 |
| Efficiency ratio | 84.6371% | 2,278 |
| Assets per employee ($millions) | 2.7246% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,050 |
| Loan loss allowance to noncurrent loans | 40.5890% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 5.1416% | 1,173 |
| Noncurrent loans to loans | 4.0873% | 1,804 |
| Net loans and leases to total assets | 63.5716% | 4,683 |
| Net loans and leases to deposits | 79.0876% | 4,157 |
| Net loans and leases to core deposits | 108.0119% | 3,100 |
| Total domestic deposits to total assets | 80.3812% | 5,558 |
| Equity capital to assets | 11.5179% | 2,305 |
| Core capital (leverage) ratio | 9.8994% | 3,193 |
| Tier 1 risk-based capital ratio | 13.6425% | 3,727 |
| Total risk-based capital ratio | 14.8963% | 3,664 |
| Memoranda: | ||
| Average total assets | $284,608,400 | 2,312 |
| Average earning assets | $246,893,800 | 2,436 |
| Average equity | $30,301,200 | 2,206 |
| Average total loans | $189,435,000 | 2,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 6,182 |
| Cost of funding earning assets | 2.1251% | 2,771 |
| Net interest margin | 3.0012% | 6,609 |
| Noninterest income to average assets | 0.9080% | 1,951 |
| Noninterest expense to average assets | 3.0314% | 3,923 |
| Loan and lease loss provision to assets | 0.6837% | 2,685 |
| Net operating income to assets | -0.0556% | 5,813 |
| Return on assets (ROA) | -0.0556% | 5,862 |
| Pretax return on assets | -0.1887% | 5,964 |
| Return on Equity (ROE) | -0.5328% | 5,859 |
| Retained earnings to average equity (ytd only) | -0.5328% | 5,357 |
| Net charge-offs to loans | 1.4781% | 1,389 |
| Credit loss provision to net charge-offs | 69.0220% | 6,001 |
| Earnings coverage of net charge-offs (x) | 0.4998% | 5,530 |
| Efficiency ratio | 85.9621% | 2,068 |
| Assets per employee ($millions) | 2.6879% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,939 |
| Loan loss allowance to noncurrent loans | 44.0620% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 4.0098% | 1,594 |
| Noncurrent loans to loans | 3.6635% | 2,040 |
| Net loans and leases to total assets | 64.4738% | 4,758 |
| Net loans and leases to deposits | 79.8172% | 4,417 |
| Net loans and leases to core deposits | 106.8664% | 3,608 |
| Total domestic deposits to total assets | 80.7768% | 5,164 |
| Equity capital to assets | 11.1903% | 2,841 |
| Core capital (leverage) ratio | 9.5721% | 3,821 |
| Tier 1 risk-based capital ratio | 13.3350% | 3,963 |
| Total risk-based capital ratio | 14.5888% | 3,909 |
| Memoranda: | ||
| Average total assets | $287,644,750 | 2,309 |
| Average earning assets | $250,958,500 | 2,417 |
| Average equity | $30,031,000 | 2,252 |
| Average total loans | $192,761,000 | 2,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 6,483 |
| Cost of funding earning assets | 2.2354% | 2,643 |
| Net interest margin | 2.8521% | 6,908 |
| Noninterest income to average assets | 0.8307% | 2,267 |
| Noninterest expense to average assets | 3.0260% | 3,980 |
| Loan and lease loss provision to assets | 0.8032% | 2,082 |
| Net operating income to assets | -0.2487% | 6,260 |
| Return on assets (ROA) | -0.2487% | 6,274 |
| Pretax return on assets | -0.5008% | 6,424 |
| Return on Equity (ROE) | -2.4380% | 6,288 |
| Retained earnings to average equity (ytd only) | -2.4380% | 5,847 |
| Net charge-offs to loans | 2.2169% | 821 |
| Credit loss provision to net charge-offs | 53.6832% | 5,707 |
| Earnings coverage of net charge-offs (x) | 0.2021% | 5,470 |
| Efficiency ratio | 90.9147% | 1,736 |
| Assets per employee ($millions) | 2.7737% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 3,832 |
| Loan loss allowance to noncurrent loans | 35.6432% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 3.8567% | 1,570 |
| Noncurrent loans to loans | 3.8725% | 1,755 |
| Net loans and leases to total assets | 65.3497% | 4,694 |
| Net loans and leases to deposits | 80.5581% | 4,466 |
| Net loans and leases to core deposits | 106.4165% | 3,789 |
| Total domestic deposits to total assets | 81.1212% | 5,030 |
| Equity capital to assets | 10.8665% | 3,045 |
| Core capital (leverage) ratio | 9.3246% | 4,135 |
| Tier 1 risk-based capital ratio | 12.8600% | 4,237 |
| Total risk-based capital ratio | 14.1110% | 4,155 |
| Memoranda: | ||
| Average total assets | $290,347,330 | 2,316 |
| Average earning assets | $254,271,670 | 2,405 |
| Average equity | $29,614,330 | 2,295 |
| Average total loans | $195,953,000 | 2,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 6,356 |
| Cost of funding earning assets | 2.4348% | 2,159 |
| Net interest margin | 2.7502% | 7,089 |
| Noninterest income to average assets | 0.8077% | 2,286 |
| Noninterest expense to average assets | 2.8044% | 4,542 |
| Loan and lease loss provision to assets | 0.8924% | 1,466 |
| Net operating income to assets | -0.2255% | 6,594 |
| Return on assets (ROA) | -0.2255% | 6,669 |
| Pretax return on assets | -0.4701% | 6,803 |
| Return on Equity (ROE) | -2.2838% | 6,695 |
| Retained earnings to average equity (ytd only) | -2.2838% | 6,154 |
| Net charge-offs to loans | 3.4726% | 352 |
| Credit loss provision to net charge-offs | 37.7457% | 4,843 |
| Earnings coverage of net charge-offs (x) | 0.1786% | 4,841 |
| Efficiency ratio | 86.9123% | 1,977 |
| Assets per employee ($millions) | 2.9562% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,101 |
| Loan loss allowance to noncurrent loans | 29.2083% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 3.3930% | 1,603 |
| Noncurrent loans to loans | 4.4365% | 1,304 |
| Net loans and leases to total assets | 64.8494% | 4,829 |
| Net loans and leases to deposits | 79.3278% | 4,720 |
| Net loans and leases to core deposits | 103.9418% | 4,146 |
| Total domestic deposits to total assets | 81.7487% | 4,658 |
| Equity capital to assets | 10.4755% | 3,486 |
| Core capital (leverage) ratio | 9.2210% | 4,374 |
| Tier 1 risk-based capital ratio | 12.4217% | 4,596 |
| Total risk-based capital ratio | 13.6673% | 4,524 |
| Memoranda: | ||
| Average total assets | $292,678,000 | 2,316 |
| Average earning assets | $257,438,000 | 2,392 |
| Average equity | $28,899,500 | 2,354 |
| Average total loans | $199,275,500 | 2,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2270% | 4,376 |
| Cost of funding earning assets | 3.2208% | 1,128 |
| Net interest margin | 3.0061% | 6,896 |
| Noninterest income to average assets | 0.7952% | 2,544 |
| Noninterest expense to average assets | 2.7745% | 4,932 |
| Loan and lease loss provision to assets | 1.0257% | 1,430 |
| Net operating income to assets | -0.1645% | 6,577 |
| Return on assets (ROA) | -0.1645% | 6,424 |
| Pretax return on assets | -0.3755% | 6,525 |
| Return on Equity (ROE) | -1.7914% | 6,478 |
| Retained earnings to average equity (ytd only) | -1.7914% | 5,812 |
| Net charge-offs to loans | 1.0953% | 1,113 |
| Credit loss provision to net charge-offs | 130.6754% | 4,072 |
| Earnings coverage of net charge-offs (x) | 0.8283% | 5,736 |
| Efficiency ratio | 81.0147% | 2,444 |
| Assets per employee ($millions) | 2.6801% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 1,660 |
| Loan loss allowance to noncurrent loans | 42.3671% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 3.5366% | 1,257 |
| Noncurrent loans to loans | 4.2208% | 1,156 |
| Net loans and leases to total assets | 69.3094% | 4,192 |
| Net loans and leases to deposits | 83.6875% | 4,468 |
| Net loans and leases to core deposits | 114.6964% | 3,265 |
| Total domestic deposits to total assets | 82.8193% | 3,847 |
| Equity capital to assets | 9.2480% | 5,004 |
| Core capital (leverage) ratio | 7.7123% | 6,907 |
| Tier 1 risk-based capital ratio | 10.1269% | 6,600 |
| Total risk-based capital ratio | 11.3830% | 6,459 |
| Memoranda: | ||
| Average total assets | $292,378,400 | 2,240 |
| Average earning assets | $255,743,000 | 2,318 |
| Average equity | $26,850,800 | 2,489 |
| Average total loans | $209,535,000 | 2,209 |