Home > Talmer West Bank > Performance and Condition Ratios
Talmer West Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6253% | 220 |
| Cost of funding earning assets | 0.2856% | 4,554 |
| Net interest margin | 5.3397% | 158 |
| Noninterest income to average assets | 1.5465% | 537 |
| Noninterest expense to average assets | 4.1707% | 564 |
| Loan and lease loss provision to assets | 0.5278% | 185 |
| Net operating income to assets | 1.0242% | 2,266 |
| Return on assets (ROA) | 1.0242% | 2,381 |
| Pretax return on assets | 1.4728% | 1,717 |
| Return on Equity (ROE) | 5.3311% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.3311% | 2,651 |
| Net charge-offs to loans | -0.0825% | 5,714 |
| Credit loss provision to net charge-offs | -1,150.5376% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5921% | 3,901 |
| Assets per employee ($millions) | 7.2181% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 958 |
| Loan loss allowance to noncurrent loans | 24.1424% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 6.1752% | 151 |
| Noncurrent loans to loans | 8.3591% | 77 |
| Net loans and leases to total assets | 52.2034% | 4,737 |
| Net loans and leases to deposits | 65.7309% | 4,360 |
| Net loans and leases to core deposits | 68.1054% | 4,485 |
| Total domestic deposits to total assets | 79.4199% | 5,001 |
| Equity capital to assets | 19.7988% | 233 |
| Core capital (leverage) ratio | 16.5923% | 402 |
| Tier 1 risk-based capital ratio | 23.4512% | 1,017 |
| Total risk-based capital ratio | 24.7526% | 994 |
| Memoranda: | ||
| Average total assets | $810,981,330 | 874 |
| Average earning assets | $702,399,000 | 914 |
| Average equity | $155,801,670 | 498 |
| Average total loans | $451,131,330 | 1,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 346 |
| Cost of funding earning assets | 0.2928% | 4,524 |
| Net interest margin | 5.0252% | 242 |
| Noninterest income to average assets | 1.5268% | 524 |
| Noninterest expense to average assets | 4.2290% | 539 |
| Loan and lease loss provision to assets | 0.8317% | 104 |
| Net operating income to assets | 0.5960% | 4,308 |
| Return on assets (ROA) | 0.5960% | 4,406 |
| Pretax return on assets | 0.8308% | 4,125 |
| Return on Equity (ROE) | 3.1489% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.1489% | 4,093 |
| Net charge-offs to loans | 0.6664% | 364 |
| Credit loss provision to net charge-offs | 219.8710% | 993 |
| Earnings coverage of net charge-offs (x) | 4.3948% | 2,502 |
| Efficiency ratio | 70.7539% | 3,362 |
| Assets per employee ($millions) | 6.4949% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 2,177 |
| Loan loss allowance to noncurrent loans | 24.1772% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 5.2464% | 226 |
| Noncurrent loans to loans | 6.4655% | 159 |
| Net loans and leases to total assets | 54.5093% | 4,370 |
| Net loans and leases to deposits | 67.8773% | 3,966 |
| Net loans and leases to core deposits | 69.9753% | 4,161 |
| Total domestic deposits to total assets | 80.3057% | 4,991 |
| Equity capital to assets | 18.9279% | 268 |
| Core capital (leverage) ratio | 15.9374% | 474 |
| Tier 1 risk-based capital ratio | 21.1565% | 1,388 |
| Total risk-based capital ratio | 22.4336% | 1,359 |
| Memoranda: | ||
| Average total assets | $819,479,000 | 863 |
| Average earning assets | $711,768,500 | 907 |
| Average equity | $155,102,500 | 501 |
| Average total loans | $465,184,500 | 996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 616 |
| Cost of funding earning assets | 0.2080% | 5,679 |
| Net interest margin | 4.9027% | 352 |
| Noninterest income to average assets | 2.0329% | 332 |
| Noninterest expense to average assets | 4.8347% | 353 |
| Loan and lease loss provision to assets | 0.6699% | 193 |
| Net operating income to assets | 0.5315% | 4,678 |
| Return on assets (ROA) | 0.5315% | 4,766 |
| Pretax return on assets | 0.8069% | 4,231 |
| Return on Equity (ROE) | 3.6310% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.6310% | 3,637 |
| Net charge-offs to loans | -0.0427% | 5,880 |
| Credit loss provision to net charge-offs | -2,624.1228% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5295% | 2,587 |
| Assets per employee ($millions) | 4.4005% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 3,358 |
| Loan loss allowance to noncurrent loans | 28.9382% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 4.7412% | 309 |
| Noncurrent loans to loans | 4.5318% | 365 |
| Net loans and leases to total assets | 57.4123% | 4,134 |
| Net loans and leases to deposits | 71.1628% | 3,772 |
| Net loans and leases to core deposits | 73.8012% | 3,936 |
| Total domestic deposits to total assets | 80.6773% | 4,835 |
| Equity capital to assets | 18.9260% | 267 |
| Core capital (leverage) ratio | 12.4283% | 1,386 |
| Tier 1 risk-based capital ratio | 18.3832% | 2,023 |
| Total risk-based capital ratio | 19.5882% | 2,001 |
| Memoranda: | ||
| Average total assets | $893,128,600 | 745 |
| Average earning assets | $779,441,800 | 783 |
| Average equity | $130,736,000 | 555 |
| Average total loans | $534,275,400 | 826 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 792 |
| Cost of funding earning assets | 0.2009% | 5,818 |
| Net interest margin | 4.7843% | 449 |
| Noninterest income to average assets | 2.2313% | 289 |
| Noninterest expense to average assets | 4.9559% | 317 |
| Loan and lease loss provision to assets | 0.5667% | 248 |
| Net operating income to assets | 0.5730% | 4,580 |
| Return on assets (ROA) | 0.5730% | 4,655 |
| Pretax return on assets | 0.8934% | 4,016 |
| Return on Equity (ROE) | 4.1878% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.1878% | 3,667 |
| Net charge-offs to loans | -0.0570% | 5,960 |
| Credit loss provision to net charge-offs | -1,651.0638% | 5,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2071% | 2,460 |
| Assets per employee ($millions) | 3.6311% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,728 |
| Loan loss allowance to noncurrent loans | 18.3509% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 4.9455% | 353 |
| Noncurrent loans to loans | 4.6630% | 411 |
| Net loans and leases to total assets | 56.8418% | 4,223 |
| Net loans and leases to deposits | 70.3887% | 3,877 |
| Net loans and leases to core deposits | 73.2802% | 4,019 |
| Total domestic deposits to total assets | 80.7541% | 4,899 |
| Equity capital to assets | 18.1766% | 325 |
| Core capital (leverage) ratio | 11.5765% | 1,998 |
| Tier 1 risk-based capital ratio | 17.7342% | 2,302 |
| Total risk-based capital ratio | 18.5305% | 2,444 |
| Memoranda: | ||
| Average total assets | $912,885,500 | 734 |
| Average earning assets | $798,485,000 | 764 |
| Average equity | $124,900,750 | 581 |
| Average total loans | $549,443,000 | 801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,181 |
| Cost of funding earning assets | 0.1649% | 6,157 |
| Net interest margin | 4.5838% | 601 |
| Noninterest income to average assets | 1.8569% | 393 |
| Noninterest expense to average assets | 5.0555% | 302 |
| Loan and lease loss provision to assets | 0.4657% | 334 |
| Net operating income to assets | 0.2383% | 5,738 |
| Return on assets (ROA) | 0.2383% | 5,809 |
| Pretax return on assets | 0.3609% | 5,659 |
| Return on Equity (ROE) | 1.9306% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.9306% | 4,915 |
| Net charge-offs to loans | -0.1031% | 6,154 |
| Credit loss provision to net charge-offs | -740.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8377% | 1,405 |
| Assets per employee ($millions) | 3.4332% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4724% | 6,443 |
| Loan loss allowance to noncurrent loans | 9.6525% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 5.4641% | 309 |
| Noncurrent loans to loans | 4.8936% | 417 |
| Net loans and leases to total assets | 56.5360% | 4,195 |
| Net loans and leases to deposits | 68.4595% | 3,998 |
| Net loans and leases to core deposits | 71.4741% | 4,105 |
| Total domestic deposits to total assets | 82.5831% | 4,452 |
| Equity capital to assets | 16.2212% | 511 |
| Core capital (leverage) ratio | 9.9362% | 3,697 |
| Tier 1 risk-based capital ratio | 15.8198% | 3,185 |
| Total risk-based capital ratio | 16.2711% | 3,571 |
| Memoranda: | ||
| Average total assets | $937,588,670 | 714 |
| Average earning assets | $823,339,670 | 746 |
| Average equity | $115,714,000 | 614 |
| Average total loans | $572,294,000 | 763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,813 |
| Cost of funding earning assets | 0.1430% | 6,391 |
| Net interest margin | 4.3567% | 883 |
| Noninterest income to average assets | 2.1948% | 287 |
| Noninterest expense to average assets | 5.7607% | 211 |
| Loan and lease loss provision to assets | 0.1893% | 1,257 |
| Net operating income to assets | 0.1635% | 5,900 |
| Return on assets (ROA) | 0.1635% | 5,939 |
| Pretax return on assets | 0.1016% | 6,077 |
| Return on Equity (ROE) | 1.5649% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.5649% | 4,984 |
| Net charge-offs to loans | 0.2543% | 1,313 |
| Credit loss provision to net charge-offs | 117.9420% | 1,476 |
| Earnings coverage of net charge-offs (x) | 1.8127% | 3,015 |
| Efficiency ratio | 94.1222% | 743 |
| Assets per employee ($millions) | 3.3025% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0123% | 6,670 |
| Loan loss allowance to noncurrent loans | 0.2556% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 5.6884% | 323 |
| Noncurrent loans to loans | 4.8205% | 477 |
| Net loans and leases to total assets | 56.2536% | 4,115 |
| Net loans and leases to deposits | 66.8049% | 3,994 |
| Net loans and leases to core deposits | 69.8980% | 4,105 |
| Total domestic deposits to total assets | 84.2059% | 4,207 |
| Equity capital to assets | 15.1262% | 647 |
| Core capital (leverage) ratio | 9.4148% | 4,399 |
| Tier 1 risk-based capital ratio | 14.8795% | 3,771 |
| Total risk-based capital ratio | 14.8914% | 4,538 |
| Memoranda: | ||
| Average total assets | $944,615,000 | 721 |
| Average earning assets | $836,223,000 | 739 |
| Average equity | $98,666,500 | 737 |
| Average total loans | $596,137,000 | 730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 1,451 |
| Cost of funding earning assets | 0.6625% | 2,100 |
| Net interest margin | 4.0854% | 1,690 |
| Noninterest income to average assets | 1.4036% | 718 |
| Noninterest expense to average assets | 4.9736% | 355 |
| Loan and lease loss provision to assets | -1.9994% | 6,807 |
| Net operating income to assets | 2.0571% | 307 |
| Return on assets (ROA) | 2.0571% | 310 |
| Pretax return on assets | 2.0594% | 426 |
| Return on Equity (ROE) | 43.6893% | 21 |
| Retained earnings to average equity (ytd only) | 43.6893% | 9 |
| Net charge-offs to loans | 0.9096% | 670 |
| Credit loss provision to net charge-offs | -302.4547% | 6,056 |
| Earnings coverage of net charge-offs (x) | 0.0908% | 5,060 |
| Efficiency ratio | 98.8082% | 520 |
| Assets per employee ($millions) | 2.9109% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5003% | 69 |
| Loan loss allowance to noncurrent loans | 46.2548% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 11.8471% | 85 |
| Noncurrent loans to loans | 11.8912% | 77 |
| Net loans and leases to total assets | 64.2222% | 3,006 |
| Net loans and leases to deposits | 68.7819% | 3,940 |
| Net loans and leases to core deposits | 70.8086% | 4,209 |
| Total domestic deposits to total assets | 93.3709% | 105 |
| Equity capital to assets | 6.1290% | 6,614 |
| Core capital (leverage) ratio | 6.1311% | 6,637 |
| Tier 1 risk-based capital ratio | 9.0266% | 6,661 |
| Total risk-based capital ratio | 10.3291% | 6,639 |
| Memoranda: | ||
| Average total assets | $610,080,000 | 1,091 |
| Average earning assets | $542,071,800 | 1,116 |
| Average equity | $28,725,600 | 2,324 |
| Average total loans | $443,365,000 | 962 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 1,337 |
| Cost of funding earning assets | 0.6857% | 2,050 |
| Net interest margin | 4.1186% | 1,577 |
| Noninterest income to average assets | 1.4669% | 684 |
| Noninterest expense to average assets | 4.9363% | 352 |
| Loan and lease loss provision to assets | -2.6202% | 6,889 |
| Net operating income to assets | 2.8017% | 132 |
| Return on assets (ROA) | 2.8017% | 137 |
| Pretax return on assets | 2.8022% | 168 |
| Return on Equity (ROE) | 63.9123% | 10 |
| Retained earnings to average equity (ytd only) | 63.9123% | 4 |
| Net charge-offs to loans | 0.9693% | 595 |
| Credit loss provision to net charge-offs | -366.5264% | 5,994 |
| Earnings coverage of net charge-offs (x) | 0.2545% | 4,780 |
| Efficiency ratio | 96.4452% | 600 |
| Assets per employee ($millions) | 2.9030% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2937% | 91 |
| Loan loss allowance to noncurrent loans | 47.6297% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 12.1204% | 85 |
| Noncurrent loans to loans | 11.1143% | 100 |
| Net loans and leases to total assets | 66.8842% | 2,484 |
| Net loans and leases to deposits | 71.5929% | 3,563 |
| Net loans and leases to core deposits | 73.9012% | 3,858 |
| Total domestic deposits to total assets | 93.4229% | 99 |
| Equity capital to assets | 6.0181% | 6,695 |
| Core capital (leverage) ratio | 5.9780% | 6,720 |
| Tier 1 risk-based capital ratio | 8.4505% | 6,749 |
| Total risk-based capital ratio | 9.7496% | 6,750 |
| Memoranda: | ||
| Average total assets | $620,692,000 | 1,083 |
| Average earning assets | $550,268,750 | 1,111 |
| Average equity | $27,209,500 | 2,463 |
| Average total loans | $457,765,250 | 932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 1,227 |
| Cost of funding earning assets | 0.7083% | 2,015 |
| Net interest margin | 4.1370% | 1,444 |
| Noninterest income to average assets | 1.3728% | 833 |
| Noninterest expense to average assets | 4.9386% | 370 |
| Loan and lease loss provision to assets | -3.8597% | 6,939 |
| Net operating income to assets | 3.9470% | 66 |
| Return on assets (ROA) | 3.9470% | 70 |
| Pretax return on assets | 3.9477% | 85 |
| Return on Equity (ROE) | 101.7703% | 5 |
| Retained earnings to average equity (ytd only) | 101.7703% | 3 |
| Net charge-offs to loans | 1.3368% | 425 |
| Credit loss provision to net charge-offs | -386.4111% | 5,865 |
| Earnings coverage of net charge-offs (x) | 0.0881% | 4,516 |
| Efficiency ratio | 98.2501% | 556 |
| Assets per employee ($millions) | 2.8222% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9275% | 118 |
| Loan loss allowance to noncurrent loans | 44.1639% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 12.5355% | 91 |
| Noncurrent loans to loans | 11.1572% | 109 |
| Net loans and leases to total assets | 69.6060% | 1,948 |
| Net loans and leases to deposits | 74.2607% | 3,112 |
| Net loans and leases to core deposits | 76.7828% | 3,456 |
| Total domestic deposits to total assets | 93.7319% | 74 |
| Equity capital to assets | 5.6990% | 6,766 |
| Core capital (leverage) ratio | 5.7419% | 6,774 |
| Tier 1 risk-based capital ratio | 7.6969% | 6,814 |
| Total risk-based capital ratio | 8.9918% | 6,813 |
| Memoranda: | ||
| Average total assets | $632,122,670 | 1,066 |
| Average earning assets | $558,276,330 | 1,096 |
| Average equity | $24,516,000 | 2,715 |
| Average total loans | $472,309,670 | 898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 1,140 |
| Cost of funding earning assets | 0.7317% | 1,985 |
| Net interest margin | 4.1449% | 1,342 |
| Noninterest income to average assets | 1.3421% | 854 |
| Noninterest expense to average assets | 4.8332% | 412 |
| Loan and lease loss provision to assets | 0.0006% | 4,407 |
| Net operating income to assets | 0.1464% | 6,053 |
| Return on assets (ROA) | 0.1464% | 6,150 |
| Pretax return on assets | 0.1470% | 6,178 |
| Return on Equity (ROE) | 4.8645% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.8645% | 3,321 |
| Net charge-offs to loans | 0.0578% | 3,245 |
| Credit loss provision to net charge-offs | 1.4286% | 3,230 |
| Earnings coverage of net charge-offs (x) | 3.3857% | 2,778 |
| Efficiency ratio | 97.0353% | 679 |
| Assets per employee ($millions) | 2.8121% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9122% | 27 |
| Loan loss allowance to noncurrent loans | 65.4939% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 14.1692% | 86 |
| Noncurrent loans to loans | 12.0808% | 131 |
| Net loans and leases to total assets | 69.6890% | 1,715 |
| Net loans and leases to deposits | 72.7414% | 3,091 |
| Net loans and leases to core deposits | 75.5581% | 3,376 |
| Total domestic deposits to total assets | 95.8038% | 28 |
| Equity capital to assets | 3.6400% | 6,948 |
| Core capital (leverage) ratio | 3.5825% | 6,947 |
| Tier 1 risk-based capital ratio | 4.8206% | 6,961 |
| Total risk-based capital ratio | 6.1537% | 6,961 |
| Memoranda: | ||
| Average total assets | $641,980,500 | 1,057 |
| Average earning assets | $563,584,000 | 1,097 |
| Average equity | $19,323,500 | 3,336 |
| Average total loans | $484,282,000 | 878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,217 |
| Cost of funding earning assets | 0.8719% | 2,125 |
| Net interest margin | 4.2748% | 1,459 |
| Noninterest income to average assets | 1.3999% | 790 |
| Noninterest expense to average assets | 5.1447% | 348 |
| Loan and lease loss provision to assets | 0.0004% | 5,904 |
| Net operating income to assets | -0.2323% | 6,394 |
| Return on assets (ROA) | -0.2323% | 6,454 |
| Pretax return on assets | 0.0385% | 6,235 |
| Return on Equity (ROE) | -9.6104% | 6,711 |
| Retained earnings to average equity (ytd only) | -9.6104% | 6,623 |
| Net charge-offs to loans | 0.7588% | 1,542 |
| Credit loss provision to net charge-offs | 0.0713% | 5,482 |
| Earnings coverage of net charge-offs (x) | 0.0658% | 5,456 |
| Efficiency ratio | 99.2485% | 588 |
| Assets per employee ($millions) | 2.7953% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5483% | 34 |
| Loan loss allowance to noncurrent loans | 68.0174% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 13.5754% | 99 |
| Noncurrent loans to loans | 11.0975% | 182 |
| Net loans and leases to total assets | 69.5306% | 1,935 |
| Net loans and leases to deposits | 72.0879% | 3,400 |
| Net loans and leases to core deposits | 74.7962% | 3,684 |
| Total domestic deposits to total assets | 96.4525% | 20 |
| Equity capital to assets | 2.4137% | 7,055 |
| Core capital (leverage) ratio | 2.3349% | 7,052 |
| Tier 1 risk-based capital ratio | 3.1462% | 7,053 |
| Total risk-based capital ratio | 4.4730% | 7,052 |
| Memoranda: | ||
| Average total assets | $711,124,600 | 924 |
| Average earning assets | $629,428,600 | 953 |
| Average equity | $17,189,800 | 3,589 |
| Average total loans | $554,425,600 | 753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 1,223 |
| Cost of funding earning assets | 0.8978% | 2,185 |
| Net interest margin | 4.2903% | 1,499 |
| Noninterest income to average assets | 1.4466% | 718 |
| Noninterest expense to average assets | 5.2081% | 324 |
| Loan and lease loss provision to assets | 0.0006% | 5,789 |
| Net operating income to assets | 0.0372% | 6,228 |
| Return on assets (ROA) | 0.0372% | 6,361 |
| Pretax return on assets | 0.0459% | 6,343 |
| Return on Equity (ROE) | 1.5385% | 6,146 |
| Retained earnings to average equity (ytd only) | 1.5385% | 5,566 |
| Net charge-offs to loans | 1.0800% | 959 |
| Credit loss provision to net charge-offs | 0.0651% | 5,157 |
| Earnings coverage of net charge-offs (x) | 0.0547% | 5,308 |
| Efficiency ratio | 99.1168% | 565 |
| Assets per employee ($millions) | 2.8752% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1751% | 40 |
| Loan loss allowance to noncurrent loans | 64.8151% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 13.4048% | 118 |
| Noncurrent loans to loans | 11.0701% | 202 |
| Net loans and leases to total assets | 69.1676% | 2,074 |
| Net loans and leases to deposits | 71.8408% | 3,633 |
| Net loans and leases to core deposits | 74.4598% | 3,918 |
| Total domestic deposits to total assets | 96.2790% | 25 |
| Equity capital to assets | 2.5675% | 7,147 |
| Core capital (leverage) ratio | 2.4910% | 7,148 |
| Tier 1 risk-based capital ratio | 3.3839% | 7,151 |
| Total risk-based capital ratio | 4.7064% | 7,150 |
| Memoranda: | ||
| Average total assets | $723,986,000 | 922 |
| Average earning assets | $642,582,250 | 944 |
| Average equity | $17,506,500 | 3,569 |
| Average total loans | $569,000,000 | 731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 1,239 |
| Cost of funding earning assets | 0.9329% | 2,164 |
| Net interest margin | 4.2711% | 1,543 |
| Noninterest income to average assets | 1.3999% | 731 |
| Noninterest expense to average assets | 5.3000% | 310 |
| Loan and lease loss provision to assets | 0.0005% | 5,618 |
| Net operating income to assets | -0.0989% | 6,435 |
| Return on assets (ROA) | -0.0989% | 6,538 |
| Pretax return on assets | -0.1000% | 6,520 |
| Return on Equity (ROE) | -4.1696% | 6,731 |
| Retained earnings to average equity (ytd only) | -4.1696% | 6,562 |
| Net charge-offs to loans | 0.7931% | 1,389 |
| Credit loss provision to net charge-offs | 0.0860% | 4,807 |
| Earnings coverage of net charge-offs (x) | -0.1569% | 5,149 |
| Efficiency ratio | 101.9115% | 501 |
| Assets per employee ($millions) | 2.8492% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0337% | 48 |
| Loan loss allowance to noncurrent loans | 62.3547% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 14.0031% | 123 |
| Noncurrent loans to loans | 11.2801% | 199 |
| Net loans and leases to total assets | 73.5676% | 1,314 |
| Net loans and leases to deposits | 76.5863% | 2,901 |
| Net loans and leases to core deposits | 79.4863% | 3,293 |
| Total domestic deposits to total assets | 96.0584% | 35 |
| Equity capital to assets | 2.4319% | 7,203 |
| Core capital (leverage) ratio | 2.4436% | 7,202 |
| Tier 1 risk-based capital ratio | 3.0363% | 7,213 |
| Total risk-based capital ratio | 4.3573% | 7,211 |
| Memoranda: | ||
| Average total assets | $734,338,000 | 914 |
| Average earning assets | $653,458,330 | 927 |
| Average equity | $17,411,670 | 3,582 |
| Average total loans | $586,556,670 | 701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 1,197 |
| Cost of funding earning assets | 1.0133% | 1,900 |
| Net interest margin | 4.2413% | 1,632 |
| Noninterest income to average assets | 1.4675% | 675 |
| Noninterest expense to average assets | 5.2632% | 310 |
| Loan and lease loss provision to assets | 0.0011% | 5,248 |
| Net operating income to assets | -0.0096% | 6,432 |
| Return on assets (ROA) | -0.0096% | 6,541 |
| Pretax return on assets | -0.0128% | 6,544 |
| Return on Equity (ROE) | -0.4108% | 6,580 |
| Retained earnings to average equity (ytd only) | -0.4108% | 6,068 |
| Net charge-offs to loans | -0.0033% | 5,752 |
| Credit loss provision to net charge-offs | -40.0000% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2240% | 546 |
| Assets per employee ($millions) | 2.8436% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1798% | 47 |
| Loan loss allowance to noncurrent loans | 58.9167% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 14.9998% | 106 |
| Noncurrent loans to loans | 12.1864% | 196 |
| Net loans and leases to total assets | 74.8607% | 940 |
| Net loans and leases to deposits | 77.9139% | 2,528 |
| Net loans and leases to core deposits | 80.6997% | 2,981 |
| Total domestic deposits to total assets | 96.0814% | 37 |
| Equity capital to assets | 2.4350% | 7,259 |
| Core capital (leverage) ratio | 2.3369% | 7,264 |
| Tier 1 risk-based capital ratio | 2.9983% | 7,274 |
| Total risk-based capital ratio | 4.3215% | 7,275 |
| Memoranda: | ||
| Average total assets | $748,209,500 | 898 |
| Average earning assets | $667,535,000 | 915 |
| Average equity | $17,525,500 | 3,567 |
| Average total loans | $600,258,000 | 688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 2,384 |
| Cost of funding earning assets | 1.3174% | 1,400 |
| Net interest margin | 3.8000% | 3,817 |
| Noninterest income to average assets | 1.2568% | 824 |
| Noninterest expense to average assets | 5.0891% | 360 |
| Loan and lease loss provision to assets | 1.9839% | 302 |
| Net operating income to assets | -2.3736% | 7,093 |
| Return on assets (ROA) | -2.3736% | 7,105 |
| Pretax return on assets | -2.3704% | 7,097 |
| Return on Equity (ROE) | -111.7452% | 7,320 |
| Retained earnings to average equity (ytd only) | -111.7452% | 7,320 |
| Net charge-offs to loans | 4.6063% | 101 |
| Credit loss provision to net charge-offs | 51.9271% | 5,383 |
| Earnings coverage of net charge-offs (x) | -0.1011% | 5,897 |
| Efficiency ratio | 107.8023% | 481 |
| Assets per employee ($millions) | 2.9320% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7152% | 59 |
| Loan loss allowance to noncurrent loans | 48.3348% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 15.0451% | 120 |
| Noncurrent loans to loans | 13.8931% | 155 |
| Net loans and leases to total assets | 74.4711% | 1,183 |
| Net loans and leases to deposits | 77.5030% | 2,920 |
| Net loans and leases to core deposits | 81.4327% | 3,258 |
| Total domestic deposits to total assets | 96.0881% | 34 |
| Equity capital to assets | 2.2565% | 7,309 |
| Core capital (leverage) ratio | 2.1698% | 7,308 |
| Tier 1 risk-based capital ratio | 2.8371% | 7,320 |
| Total risk-based capital ratio | 4.1554% | 7,320 |
| Memoranda: | ||
| Average total assets | $856,327,200 | 759 |
| Average earning assets | $776,520,200 | 761 |
| Average equity | $18,189,600 | 3,400 |
| Average total loans | $710,268,000 | 582 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 2,297 |
| Cost of funding earning assets | 1.3625% | 1,410 |
| Net interest margin | 3.8119% | 3,813 |
| Noninterest income to average assets | 1.2029% | 910 |
| Noninterest expense to average assets | 5.0111% | 366 |
| Loan and lease loss provision to assets | 2.5851% | 165 |
| Net operating income to assets | -2.9275% | 7,261 |
| Return on assets (ROA) | -2.9275% | 7,267 |
| Pretax return on assets | -2.9321% | 7,264 |
| Return on Equity (ROE) | -139.7536% | 7,406 |
| Retained earnings to average equity (ytd only) | -139.7536% | 7,406 |
| Net charge-offs to loans | 5.5807% | 70 |
| Credit loss provision to net charge-offs | 55.3878% | 4,912 |
| Earnings coverage of net charge-offs (x) | -0.0743% | 5,644 |
| Efficiency ratio | 107.0310% | 484 |
| Assets per employee ($millions) | 2.9272% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6429% | 57 |
| Loan loss allowance to noncurrent loans | 48.7935% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 14.6084% | 142 |
| Noncurrent loans to loans | 13.6142% | 181 |
| Net loans and leases to total assets | 74.6614% | 1,208 |
| Net loans and leases to deposits | 77.5457% | 3,079 |
| Net loans and leases to core deposits | 81.6919% | 3,376 |
| Total domestic deposits to total assets | 96.2806% | 29 |
| Equity capital to assets | 2.2626% | 7,389 |
| Core capital (leverage) ratio | 2.1414% | 7,388 |
| Tier 1 risk-based capital ratio | 2.8008% | 7,398 |
| Total risk-based capital ratio | 4.1185% | 7,399 |
| Memoranda: | ||
| Average total assets | $876,163,250 | 752 |
| Average earning assets | $795,560,750 | 749 |
| Average equity | $18,353,750 | 3,385 |
| Average total loans | $732,764,750 | 570 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 2,387 |
| Cost of funding earning assets | 1.4054% | 1,396 |
| Net interest margin | 3.7621% | 3,979 |
| Noninterest income to average assets | 1.3029% | 740 |
| Noninterest expense to average assets | 5.1602% | 324 |
| Loan and lease loss provision to assets | 2.2341% | 251 |
| Net operating income to assets | -2.6648% | 7,280 |
| Return on assets (ROA) | -2.6648% | 7,287 |
| Pretax return on assets | -2.6708% | 7,273 |
| Return on Equity (ROE) | -130.4138% | 7,458 |
| Retained earnings to average equity (ytd only) | -130.4138% | 7,458 |
| Net charge-offs to loans | 5.0983% | 116 |
| Credit loss provision to net charge-offs | 51.7033% | 4,541 |
| Earnings coverage of net charge-offs (x) | -0.1011% | 5,348 |
| Efficiency ratio | 108.8515% | 498 |
| Assets per employee ($millions) | 2.9708% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8091% | 60 |
| Loan loss allowance to noncurrent loans | 47.9508% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 15.1616% | 139 |
| Noncurrent loans to loans | 14.2001% | 156 |
| Net loans and leases to total assets | 76.0724% | 1,063 |
| Net loans and leases to deposits | 79.4879% | 2,890 |
| Net loans and leases to core deposits | 85.5427% | 2,989 |
| Total domestic deposits to total assets | 95.7031% | 35 |
| Equity capital to assets | 2.8281% | 7,439 |
| Core capital (leverage) ratio | 2.7598% | 7,432 |
| Tier 1 risk-based capital ratio | 3.4395% | 7,450 |
| Total risk-based capital ratio | 4.7589% | 7,450 |
| Memoranda: | ||
| Average total assets | $894,036,670 | 747 |
| Average earning assets | $812,887,670 | 747 |
| Average equity | $18,268,000 | 3,377 |
| Average total loans | $757,746,330 | 558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 2,390 |
| Cost of funding earning assets | 1.4607% | 1,330 |
| Net interest margin | 3.6981% | 4,121 |
| Noninterest income to average assets | 1.4331% | 620 |
| Noninterest expense to average assets | 5.3050% | 290 |
| Loan and lease loss provision to assets | 2.8838% | 164 |
| Net operating income to assets | -3.3772% | 7,418 |
| Return on assets (ROA) | -3.3772% | 7,420 |
| Pretax return on assets | -3.3794% | 7,406 |
| Return on Equity (ROE) | -202.2204% | 7,540 |
| Retained earnings to average equity (ytd only) | -202.2204% | 7,537 |
| Net charge-offs to loans | 6.5943% | 94 |
| Credit loss provision to net charge-offs | 50.7081% | 3,734 |
| Earnings coverage of net charge-offs (x) | -0.0871% | 4,637 |
| Efficiency ratio | 109.9204% | 508 |
| Assets per employee ($millions) | 2.9076% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7580% | 69 |
| Loan loss allowance to noncurrent loans | 48.5731% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 15.3109% | 152 |
| Noncurrent loans to loans | 13.9130% | 186 |
| Net loans and leases to total assets | 79.6258% | 547 |
| Net loans and leases to deposits | 82.4049% | 2,289 |
| Net loans and leases to core deposits | 89.5262% | 2,404 |
| Total domestic deposits to total assets | 96.6275% | 21 |
| Equity capital to assets | 2.1087% | 7,528 |
| Core capital (leverage) ratio | 1.9932% | 7,536 |
| Tier 1 risk-based capital ratio | 2.4887% | 7,539 |
| Total risk-based capital ratio | 3.8088% | 7,540 |
| Memoranda: | ||
| Average total assets | $908,801,000 | 738 |
| Average earning assets | $829,722,500 | 729 |
| Average equity | $15,177,500 | 3,868 |
| Average total loans | $783,767,500 | 545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 3,925 |
| Cost of funding earning assets | 1.8170% | 1,106 |
| Net interest margin | 3.3180% | 5,918 |
| Noninterest income to average assets | 0.5837% | 3,571 |
| Noninterest expense to average assets | 4.2120% | 891 |
| Loan and lease loss provision to assets | 6.0634% | 38 |
| Net operating income to assets | -6.6630% | 7,595 |
| Return on assets (ROA) | -6.6612% | 7,599 |
| Pretax return on assets | -6.6532% | 7,600 |
| Return on Equity (ROE) | -246.3676% | 7,650 |
| Retained earnings to average equity (ytd only) | -246.3676% | 7,650 |
| Net charge-offs to loans | 6.7610% | 67 |
| Credit loss provision to net charge-offs | 106.5011% | 4,192 |
| Earnings coverage of net charge-offs (x) | -0.1039% | 6,223 |
| Efficiency ratio | 105.4304% | 637 |
| Assets per employee ($millions) | 2.9087% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0606% | 58 |
| Loan loss allowance to noncurrent loans | 49.9230% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 15.3121% | 155 |
| Noncurrent loans to loans | 14.1429% | 194 |
| Net loans and leases to total assets | 80.8962% | 556 |
| Net loans and leases to deposits | 84.4107% | 2,383 |
| Net loans and leases to core deposits | 95.8292% | 2,035 |
| Total domestic deposits to total assets | 95.8365% | 44 |
| Equity capital to assets | 1.2548% | 7,631 |
| Core capital (leverage) ratio | 1.1509% | 7,631 |
| Tier 1 risk-based capital ratio | 1.4594% | 7,632 |
| Total risk-based capital ratio | 2.7848% | 7,632 |
| Memoranda: | ||
| Average total assets | $1,104,753,600 | 599 |
| Average earning assets | $1,011,127,000 | 595 |
| Average equity | $29,870,000 | 2,189 |
| Average total loans | $930,296,800 | 485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,310 |
| Cost of funding earning assets | 1.8780% | 1,098 |
| Net interest margin | 3.2226% | 6,267 |
| Noninterest income to average assets | 0.1322% | 6,897 |
| Noninterest expense to average assets | 3.5495% | 1,909 |
| Loan and lease loss provision to assets | 6.9957% | 25 |
| Net operating income to assets | -7.4233% | 7,721 |
| Return on assets (ROA) | -7.4210% | 7,724 |
| Pretax return on assets | -7.4641% | 7,723 |
| Return on Equity (ROE) | -247.4908% | 7,752 |
| Retained earnings to average equity (ytd only) | -247.4908% | 7,752 |
| Net charge-offs to loans | 6.7186% | 77 |
| Credit loss provision to net charge-offs | 124.5017% | 3,291 |
| Earnings coverage of net charge-offs (x) | -0.0838% | 6,097 |
| Efficiency ratio | 114.8205% | 452 |
| Assets per employee ($millions) | 4.7648% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4709% | 49 |
| Loan loss allowance to noncurrent loans | 53.2072% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 14.5965% | 168 |
| Noncurrent loans to loans | 14.0411% | 185 |
| Net loans and leases to total assets | 79.4946% | 826 |
| Net loans and leases to deposits | 83.0054% | 2,911 |
| Net loans and leases to core deposits | 97.5318% | 2,090 |
| Total domestic deposits to total assets | 95.7703% | 29 |
| Equity capital to assets | 1.5784% | 7,730 |
| Core capital (leverage) ratio | 1.0441% | 7,736 |
| Tier 1 risk-based capital ratio | 1.3806% | 7,739 |
| Total risk-based capital ratio | 2.7119% | 7,738 |
| Memoranda: | ||
| Average total assets | $1,147,521,000 | 578 |
| Average earning assets | $1,049,189,750 | 569 |
| Average equity | $34,408,500 | 1,948 |
| Average total loans | $959,697,000 | 466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 4,508 |
| Cost of funding earning assets | 1.9224% | 1,146 |
| Net interest margin | 3.1677% | 6,409 |
| Noninterest income to average assets | 0.3623% | 5,250 |
| Noninterest expense to average assets | 3.3657% | 2,353 |
| Loan and lease loss provision to assets | 6.7940% | 52 |
| Net operating income to assets | -6.8448% | 7,764 |
| Return on assets (ROA) | -6.8415% | 7,768 |
| Pretax return on assets | -6.9064% | 7,757 |
| Return on Equity (ROE) | -201.1232% | 7,803 |
| Retained earnings to average equity (ytd only) | -201.1232% | 7,803 |
| Net charge-offs to loans | 6.5304% | 107 |
| Credit loss provision to net charge-offs | 125.3693% | 3,219 |
| Earnings coverage of net charge-offs (x) | -0.0214% | 5,736 |
| Efficiency ratio | 103.1294% | 707 |
| Assets per employee ($millions) | 5.3857% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5762% | 74 |
| Loan loss allowance to noncurrent loans | 53.3229% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 12.6426% | 240 |
| Noncurrent loans to loans | 12.3327% | 267 |
| Net loans and leases to total assets | 76.8646% | 1,315 |
| Net loans and leases to deposits | 83.9290% | 2,880 |
| Net loans and leases to core deposits | 102.9958% | 1,733 |
| Total domestic deposits to total assets | 91.5828% | 314 |
| Equity capital to assets | 2.5258% | 7,774 |
| Core capital (leverage) ratio | 2.0428% | 7,776 |
| Tier 1 risk-based capital ratio | 2.6254% | 7,784 |
| Total risk-based capital ratio | 3.9424% | 7,783 |
| Memoranda: | ||
| Average total assets | $1,191,727,000 | 560 |
| Average earning assets | $1,086,339,330 | 552 |
| Average equity | $40,538,330 | 1,640 |
| Average total loans | $988,951,330 | 460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 4,427 |
| Cost of funding earning assets | 1.9530% | 1,239 |
| Net interest margin | 3.1695% | 6,381 |
| Noninterest income to average assets | 0.0279% | 7,569 |
| Noninterest expense to average assets | 3.7185% | 1,483 |
| Loan and lease loss provision to assets | 8.1417% | 55 |
| Net operating income to assets | -8.9404% | 7,879 |
| Return on assets (ROA) | -8.9339% | 7,882 |
| Pretax return on assets | -8.9319% | 7,877 |
| Return on Equity (ROE) | -234.4989% | 7,892 |
| Retained earnings to average equity (ytd only) | -234.4989% | 7,891 |
| Net charge-offs to loans | 6.9779% | 140 |
| Credit loss provision to net charge-offs | 140.0440% | 2,526 |
| Earnings coverage of net charge-offs (x) | -0.1371% | 5,127 |
| Efficiency ratio | 127.2707% | 362 |
| Assets per employee ($millions) | 5.6405% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1251% | 93 |
| Loan loss allowance to noncurrent loans | 52.7373% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 11.9010% | 267 |
| Noncurrent loans to loans | 11.6144% | 313 |
| Net loans and leases to total assets | 76.6755% | 1,396 |
| Net loans and leases to deposits | 83.7827% | 2,970 |
| Net loans and leases to core deposits | 107.3343% | 1,471 |
| Total domestic deposits to total assets | 91.5170% | 367 |
| Equity capital to assets | 2.9593% | 7,851 |
| Core capital (leverage) ratio | 2.5886% | 7,862 |
| Tier 1 risk-based capital ratio | 3.1945% | 7,868 |
| Total risk-based capital ratio | 4.5054% | 7,868 |
| Memoranda: | ||
| Average total assets | $1,219,404,000 | 564 |
| Average earning assets | $1,113,363,500 | 557 |
| Average equity | $46,456,500 | 1,452 |
| Average total loans | $1,015,951,000 | 467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2741% | 5,306 |
| Cost of funding earning assets | 2.3299% | 1,537 |
| Net interest margin | 2.9442% | 6,774 |
| Noninterest income to average assets | -0.3662% | 7,909 |
| Noninterest expense to average assets | 3.1602% | 3,510 |
| Loan and lease loss provision to assets | 5.1722% | 172 |
| Net operating income to assets | -5.6491% | 7,810 |
| Return on assets (ROA) | -5.6491% | 7,801 |
| Pretax return on assets | -5.9690% | 7,800 |
| Return on Equity (ROE) | -82.6586% | 7,878 |
| Retained earnings to average equity (ytd only) | -82.6586% | 7,875 |
| Net charge-offs to loans | 4.5794% | 312 |
| Credit loss provision to net charge-offs | 130.6950% | 3,892 |
| Earnings coverage of net charge-offs (x) | -0.2013% | 6,442 |
| Efficiency ratio | 133.7112% | 442 |
| Assets per employee ($millions) | 5.6156% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0508% | 171 |
| Loan loss allowance to noncurrent loans | 43.5884% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 12.1927% | 245 |
| Noncurrent loans to loans | 11.5874% | 303 |
| Net loans and leases to total assets | 82.6686% | 581 |
| Net loans and leases to deposits | 92.3092% | 1,849 |
| Net loans and leases to core deposits | 118.9553% | 2,039 |
| Total domestic deposits to total assets | 89.5562% | 1,183 |
| Equity capital to assets | 4.4293% | 7,824 |
| Core capital (leverage) ratio | 3.9567% | 7,848 |
| Tier 1 risk-based capital ratio | 4.9143% | 7,876 |
| Total risk-based capital ratio | 6.2128% | 7,875 |
| Memoranda: | ||
| Average total assets | $1,209,304,600 | 553 |
| Average earning assets | $1,121,195,400 | 537 |
| Average equity | $82,647,200 | 782 |
| Average total loans | $1,045,068,600 | 462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 5,555 |
| Cost of funding earning assets | 2.3803% | 1,698 |
| Net interest margin | 2.8925% | 6,875 |
| Noninterest income to average assets | -0.3822% | 8,028 |
| Noninterest expense to average assets | 3.0953% | 3,661 |
| Loan and lease loss provision to assets | 3.9800% | 305 |
| Net operating income to assets | -5.6704% | 7,902 |
| Return on assets (ROA) | -5.6704% | 7,900 |
| Pretax return on assets | -4.7721% | 7,784 |
| Return on Equity (ROE) | -77.0137% | 7,951 |
| Retained earnings to average equity (ytd only) | -77.0137% | 7,949 |
| Net charge-offs to loans | 3.3148% | 478 |
| Credit loss provision to net charge-offs | 139.1656% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.2770% | 6,343 |
| Efficiency ratio | 134.3953% | 427 |
| Assets per employee ($millions) | 5.9630% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3552% | 229 |
| Loan loss allowance to noncurrent loans | 39.3238% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 11.2162% | 267 |
| Noncurrent loans to loans | 11.0753% | 326 |
| Net loans and leases to total assets | 80.7433% | 1,033 |
| Net loans and leases to deposits | 90.1668% | 2,545 |
| Net loans and leases to core deposits | 117.5281% | 2,466 |
| Total domestic deposits to total assets | 89.5488% | 941 |
| Equity capital to assets | 4.9527% | 7,953 |
| Core capital (leverage) ratio | 4.5702% | 7,951 |
| Tier 1 risk-based capital ratio | 5.7752% | 7,959 |
| Total risk-based capital ratio | 7.0655% | 7,965 |
| Memoranda: | ||
| Average total assets | $1,239,272,250 | 555 |
| Average earning assets | $1,150,482,250 | 543 |
| Average equity | $91,245,500 | 712 |
| Average total loans | $1,069,203,750 | 472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 5,286 |
| Cost of funding earning assets | 2.4506% | 1,773 |
| Net interest margin | 2.9232% | 6,749 |
| Noninterest income to average assets | -0.3763% | 8,107 |
| Noninterest expense to average assets | 2.8760% | 4,596 |
| Loan and lease loss provision to assets | 2.2207% | 718 |
| Net operating income to assets | -1.8289% | 7,378 |
| Return on assets (ROA) | -1.8289% | 7,371 |
| Pretax return on assets | -2.7683% | 7,497 |
| Return on Equity (ROE) | -22.5198% | 7,575 |
| Retained earnings to average equity (ytd only) | -22.5198% | 7,532 |
| Net charge-offs to loans | 2.1114% | 874 |
| Credit loss provision to net charge-offs | 121.0846% | 3,829 |
| Earnings coverage of net charge-offs (x) | -0.2986% | 5,953 |
| Efficiency ratio | 123.5169% | 611 |
| Assets per employee ($millions) | 6.1521% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3753% | 416 |
| Loan loss allowance to noncurrent loans | 39.9897% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 9.2804% | 353 |
| Noncurrent loans to loans | 8.4405% | 492 |
| Net loans and leases to total assets | 84.2012% | 607 |
| Net loans and leases to deposits | 97.1796% | 1,641 |
| Net loans and leases to core deposits | 125.9446% | 1,882 |
| Total domestic deposits to total assets | 86.6450% | 2,435 |
| Equity capital to assets | 7.9878% | 6,766 |
| Core capital (leverage) ratio | 6.8175% | 7,645 |
| Tier 1 risk-based capital ratio | 8.0724% | 7,904 |
| Total risk-based capital ratio | 9.3496% | 7,926 |
| Memoranda: | ||
| Average total assets | $1,256,817,330 | 560 |
| Average earning assets | $1,162,900,670 | 553 |
| Average equity | $102,070,330 | 661 |
| Average total loans | $1,091,685,330 | 481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 5,181 |
| Cost of funding earning assets | 2.5257% | 1,820 |
| Net interest margin | 2.9230% | 6,692 |
| Noninterest income to average assets | -0.3014% | 8,181 |
| Noninterest expense to average assets | 2.6919% | 5,049 |
| Loan and lease loss provision to assets | 1.5731% | 799 |
| Net operating income to assets | -1.2220% | 7,375 |
| Return on assets (ROA) | -1.2220% | 7,393 |
| Pretax return on assets | -1.8520% | 7,486 |
| Return on Equity (ROE) | -14.9301% | 7,601 |
| Retained earnings to average equity (ytd only) | -14.9301% | 7,434 |
| Net charge-offs to loans | 2.0143% | 717 |
| Credit loss provision to net charge-offs | 90.0483% | 4,001 |
| Earnings coverage of net charge-offs (x) | -0.1597% | 5,111 |
| Efficiency ratio | 111.5589% | 775 |
| Assets per employee ($millions) | 6.7738% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9875% | 486 |
| Loan loss allowance to noncurrent loans | 45.2470% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 7.4633% | 425 |
| Noncurrent loans to loans | 6.6027% | 653 |
| Net loans and leases to total assets | 82.4084% | 944 |
| Net loans and leases to deposits | 95.4764% | 2,035 |
| Net loans and leases to core deposits | 124.8780% | 2,003 |
| Total domestic deposits to total assets | 86.3128% | 2,547 |
| Equity capital to assets | 7.9372% | 6,905 |
| Core capital (leverage) ratio | 7.5723% | 7,061 |
| Tier 1 risk-based capital ratio | 8.9531% | 7,820 |
| Total risk-based capital ratio | 10.2255% | 7,839 |
| Memoranda: | ||
| Average total assets | $1,279,248,500 | 553 |
| Average earning assets | $1,187,963,000 | 537 |
| Average equity | $104,701,000 | 635 |
| Average total loans | $1,109,463,500 | 473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6035% | 2,476 |
| Cost of funding earning assets | 3.0402% | 1,714 |
| Net interest margin | 3.5633% | 5,049 |
| Noninterest income to average assets | 0.2806% | 6,453 |
| Noninterest expense to average assets | 1.7391% | 7,826 |
| Loan and lease loss provision to assets | 0.7654% | 1,949 |
| Net operating income to assets | 0.7146% | 3,829 |
| Return on assets (ROA) | 0.7146% | 3,660 |
| Pretax return on assets | 1.0830% | 3,079 |
| Return on Equity (ROE) | 9.1259% | 2,600 |
| Retained earnings to average equity (ytd only) | 0.9274% | 4,676 |
| Net charge-offs to loans | 0.7656% | 1,621 |
| Credit loss provision to net charge-offs | 110.6587% | 4,873 |
| Earnings coverage of net charge-offs (x) | 2.6723% | 4,745 |
| Efficiency ratio | 48.4760% | 7,770 |
| Assets per employee ($millions) | 6.5810% | 855 |
| Cash dividends to net income (ytd only)* | 89.8377% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 2,780 |
| Loan loss allowance to noncurrent loans | 127.5668% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6264% | 2,993 |
| Noncurrent loans to loans | 1.1621% | 4,204 |
| Net loans and leases to total assets | 87.5959% | 408 |
| Net loans and leases to deposits | 105.6128% | 1,160 |
| Net loans and leases to core deposits | 147.8321% | 945 |
| Total domestic deposits to total assets | 82.9406% | 3,797 |
| Equity capital to assets | 7.8010% | 7,091 |
| Core capital (leverage) ratio | 7.8913% | 6,666 |
| Tier 1 risk-based capital ratio | 9.3329% | 7,485 |
| Total risk-based capital ratio | 10.5866% | 7,409 |
| Memoranda: | ||
| Average total assets | $362,140,800 | 1,851 |
| Average earning assets | $336,092,600 | 1,831 |
| Average equity | $28,359,000 | 2,381 |
| Average total loans | $327,203,800 | 1,487 |