Home > The Bank of Georgia > Performance and Condition Ratios
The Bank of Georgia, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 2,701 |
| Cost of funding earning assets | 0.7633% | 609 |
| Net interest margin | 3.4002% | 3,960 |
| Noninterest income to average assets | -3.0626% | 6,269 |
| Noninterest expense to average assets | 2.3595% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -2.7283% | 6,240 |
| Return on assets (ROA) | -2.4529% | 6,238 |
| Pretax return on assets | -2.4529% | 6,236 |
| Return on Equity (ROE) | -84.9305% | 6,262 |
| Retained earnings to average equity (ytd only) | -84.9305% | 6,262 |
| Net charge-offs to loans | 0.1813% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -26.2902% | 4,158 |
| Efficiency ratio | -639.7077% | 6,269 |
| Assets per employee ($millions) | 4.6145% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 850 |
| Loan loss allowance to noncurrent loans | 34.2271% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 14.7689% | 28 |
| Noncurrent loans to loans | 5.9793% | 140 |
| Net loans and leases to total assets | 55.5246% | 4,408 |
| Net loans and leases to deposits | 60.1198% | 4,849 |
| Net loans and leases to core deposits | 61.9053% | 4,947 |
| Total domestic deposits to total assets | 92.3566% | 71 |
| Equity capital to assets | 2.4649% | 6,264 |
| Core capital (leverage) ratio | 1.2456% | 6,269 |
| Tier 1 risk-based capital ratio | 1.6904% | 6,269 |
| Total risk-based capital ratio | 3.0532% | 6,269 |
| Memoranda: | ||
| Average total assets | $296,782,250 | 2,180 |
| Average earning assets | $235,114,750 | 2,480 |
| Average equity | $8,571,500 | 5,002 |
| Average total loans | $169,855,750 | 2,365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,315 |
| Cost of funding earning assets | 0.7801% | 555 |
| Net interest margin | 3.4827% | 3,567 |
| Noninterest income to average assets | -4.8411% | 6,347 |
| Noninterest expense to average assets | 1.8066% | 5,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -3.8949% | 6,333 |
| Return on assets (ROA) | -3.4874% | 6,331 |
| Pretax return on assets | -3.4874% | 6,330 |
| Return on Equity (ROE) | -115.3778% | 6,342 |
| Retained earnings to average equity (ytd only) | -115.3778% | 6,342 |
| Net charge-offs to loans | 0.1960% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -34.6095% | 3,875 |
| Efficiency ratio | -86.5115% | 6,345 |
| Assets per employee ($millions) | 4.4572% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 944 |
| Loan loss allowance to noncurrent loans | 35.0581% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 14.9368% | 28 |
| Noncurrent loans to loans | 5.7868% | 170 |
| Net loans and leases to total assets | 55.5029% | 4,386 |
| Net loans and leases to deposits | 58.1667% | 4,984 |
| Net loans and leases to core deposits | 59.7546% | 5,087 |
| Total domestic deposits to total assets | 95.4204% | 13 |
| Equity capital to assets | 2.3588% | 6,337 |
| Core capital (leverage) ratio | 1.2745% | 6,347 |
| Tier 1 risk-based capital ratio | 1.6197% | 6,348 |
| Total risk-based capital ratio | 2.9612% | 6,348 |
| Memoranda: | ||
| Average total assets | $300,342,330 | 2,183 |
| Average earning assets | $237,401,670 | 2,483 |
| Average equity | $9,078,000 | 4,931 |
| Average total loans | $172,415,670 | 2,341 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 1,896 |
| Cost of funding earning assets | 0.7868% | 545 |
| Net interest margin | 3.5751% | 3,100 |
| Noninterest income to average assets | -7.0238% | 6,418 |
| Noninterest expense to average assets | 0.4530% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -4.6786% | 6,402 |
| Return on assets (ROA) | -3.8737% | 6,398 |
| Pretax return on assets | -3.8737% | 6,397 |
| Return on Equity (ROE) | -104.0518% | 6,410 |
| Retained earnings to average equity (ytd only) | -104.0518% | 6,406 |
| Net charge-offs to loans | 0.0365% | 2,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -222.6875% | 3,285 |
| Efficiency ratio | -10.7209% | 6,413 |
| Assets per employee ($millions) | 4.4787% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 1,018 |
| Loan loss allowance to noncurrent loans | 43.3301% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 15.7582% | 24 |
| Noncurrent loans to loans | 4.6937% | 313 |
| Net loans and leases to total assets | 56.7292% | 4,121 |
| Net loans and leases to deposits | 60.1980% | 4,732 |
| Net loans and leases to core deposits | 61.7662% | 4,854 |
| Total domestic deposits to total assets | 94.2377% | 25 |
| Equity capital to assets | 3.2662% | 6,402 |
| Core capital (leverage) ratio | 2.0315% | 6,415 |
| Tier 1 risk-based capital ratio | 2.7242% | 6,417 |
| Total risk-based capital ratio | 4.0677% | 6,416 |
| Memoranda: | ||
| Average total assets | $304,620,500 | 2,169 |
| Average earning assets | $238,427,000 | 2,485 |
| Average equity | $11,340,500 | 4,538 |
| Average total loans | $175,296,000 | 2,314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,755 |
| Cost of funding earning assets | 0.7881% | 690 |
| Net interest margin | 3.4695% | 3,900 |
| Noninterest income to average assets | 1.8328% | 394 |
| Noninterest expense to average assets | 3.6846% | 1,179 |
| Loan and lease loss provision to assets | 1.8565% | 37 |
| Net operating income to assets | -0.9175% | 6,365 |
| Return on assets (ROA) | -0.7568% | 6,339 |
| Pretax return on assets | -0.7561% | 6,329 |
| Return on Equity (ROE) | -16.4616% | 6,421 |
| Retained earnings to average equity (ytd only) | -16.4616% | 6,396 |
| Net charge-offs to loans | 3.2801% | 28 |
| Credit loss provision to net charge-offs | 96.0630% | 2,515 |
| Earnings coverage of net charge-offs (x) | 0.4862% | 4,635 |
| Efficiency ratio | 79.6791% | 1,985 |
| Assets per employee ($millions) | 4.6144% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 1,102 |
| Loan loss allowance to noncurrent loans | 43.2242% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 17.5659% | 18 |
| Noncurrent loans to loans | 4.6446% | 346 |
| Net loans and leases to total assets | 56.0469% | 4,327 |
| Net loans and leases to deposits | 60.5621% | 4,851 |
| Net loans and leases to core deposits | 62.4418% | 4,965 |
| Total domestic deposits to total assets | 92.5445% | 95 |
| Equity capital to assets | 4.1660% | 6,475 |
| Core capital (leverage) ratio | 3.0630% | 6,493 |
| Tier 1 risk-based capital ratio | 4.0187% | 6,496 |
| Total risk-based capital ratio | 5.3565% | 6,495 |
| Memoranda: | ||
| Average total assets | $315,423,800 | 2,060 |
| Average earning assets | $253,784,200 | 2,317 |
| Average equity | $14,500,400 | 3,935 |
| Average total loans | $185,847,000 | 2,160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,063 |
| Cost of funding earning assets | 0.7822% | 754 |
| Net interest margin | 3.3971% | 4,254 |
| Noninterest income to average assets | 2.6389% | 225 |
| Noninterest expense to average assets | 3.6068% | 1,286 |
| Loan and lease loss provision to assets | 2.4631% | 24 |
| Net operating income to assets | -0.6734% | 6,416 |
| Return on assets (ROA) | -0.4576% | 6,354 |
| Pretax return on assets | -0.4568% | 6,343 |
| Return on Equity (ROE) | -9.7322% | 6,440 |
| Retained earnings to average equity (ytd only) | -9.7322% | 6,370 |
| Net charge-offs to loans | 4.3174% | 13 |
| Credit loss provision to net charge-offs | 96.1418% | 2,316 |
| Earnings coverage of net charge-offs (x) | 0.6989% | 4,334 |
| Efficiency ratio | 66.8251% | 4,081 |
| Assets per employee ($millions) | 4.6258% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 1,075 |
| Loan loss allowance to noncurrent loans | 45.1543% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 18.0144% | 16 |
| Noncurrent loans to loans | 4.6713% | 410 |
| Net loans and leases to total assets | 51.6909% | 4,838 |
| Net loans and leases to deposits | 55.9309% | 5,245 |
| Net loans and leases to core deposits | 57.4848% | 5,364 |
| Total domestic deposits to total assets | 92.4193% | 115 |
| Equity capital to assets | 4.3480% | 6,541 |
| Core capital (leverage) ratio | 3.3931% | 6,562 |
| Tier 1 risk-based capital ratio | 4.6075% | 6,566 |
| Total risk-based capital ratio | 5.9465% | 6,567 |
| Memoranda: | ||
| Average total assets | $316,987,750 | 2,065 |
| Average earning assets | $257,389,250 | 2,307 |
| Average equity | $14,905,500 | 3,875 |
| Average total loans | $188,101,500 | 2,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,974 |
| Cost of funding earning assets | 0.7726% | 819 |
| Net interest margin | 3.4218% | 4,095 |
| Noninterest income to average assets | 4.1510% | 145 |
| Noninterest expense to average assets | 3.3783% | 1,731 |
| Loan and lease loss provision to assets | 3.7027% | 12 |
| Net operating income to assets | -0.1037% | 6,260 |
| Return on assets (ROA) | -0.0822% | 6,261 |
| Pretax return on assets | -0.0822% | 6,244 |
| Return on Equity (ROE) | -1.7051% | 6,311 |
| Retained earnings to average equity (ytd only) | -1.7051% | 5,949 |
| Net charge-offs to loans | 5.8955% | 5 |
| Credit loss provision to net charge-offs | 102.0568% | 1,946 |
| Earnings coverage of net charge-offs (x) | 0.9920% | 3,922 |
| Efficiency ratio | 48.4184% | 6,269 |
| Assets per employee ($millions) | 4.6553% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 876 |
| Loan loss allowance to noncurrent loans | 35.8269% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 19.0267% | 13 |
| Noncurrent loans to loans | 6.4768% | 218 |
| Net loans and leases to total assets | 50.4829% | 4,908 |
| Net loans and leases to deposits | 54.6061% | 5,314 |
| Net loans and leases to core deposits | 56.0858% | 5,406 |
| Total domestic deposits to total assets | 92.4491% | 121 |
| Equity capital to assets | 4.6961% | 6,597 |
| Core capital (leverage) ratio | 3.8924% | 6,614 |
| Tier 1 risk-based capital ratio | 5.2466% | 6,625 |
| Total risk-based capital ratio | 6.5890% | 6,625 |
| Memoranda: | ||
| Average total assets | $316,257,670 | 2,068 |
| Average earning assets | $261,208,670 | 2,279 |
| Average equity | $15,248,000 | 3,813 |
| Average total loans | $194,621,670 | 2,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,242 |
| Cost of funding earning assets | 0.7620% | 915 |
| Net interest margin | 3.3472% | 4,341 |
| Noninterest income to average assets | 0.8451% | 1,582 |
| Noninterest expense to average assets | 3.0823% | 2,583 |
| Loan and lease loss provision to assets | 0.1926% | 1,228 |
| Net operating income to assets | 0.4302% | 5,012 |
| Return on assets (ROA) | 0.4739% | 4,896 |
| Pretax return on assets | 0.4739% | 5,246 |
| Return on Equity (ROE) | 9.6974% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.6974% | 1,048 |
| Net charge-offs to loans | 0.1271% | 1,955 |
| Credit loss provision to net charge-offs | 227.2727% | 955 |
| Earnings coverage of net charge-offs (x) | 7.3485% | 2,123 |
| Efficiency ratio | 83.1889% | 1,769 |
| Assets per employee ($millions) | 4.5657% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,844 |
| Loan loss allowance to noncurrent loans | 8.8701% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 20.5730% | 15 |
| Noncurrent loans to loans | 21.0752% | 13 |
| Net loans and leases to total assets | 65.5017% | 2,635 |
| Net loans and leases to deposits | 71.1056% | 3,460 |
| Net loans and leases to core deposits | 73.0643% | 3,756 |
| Total domestic deposits to total assets | 92.1189% | 218 |
| Equity capital to assets | 4.9967% | 6,639 |
| Core capital (leverage) ratio | 4.0800% | 6,674 |
| Tier 1 risk-based capital ratio | 5.2442% | 6,693 |
| Total risk-based capital ratio | 6.5830% | 6,692 |
| Memoranda: | ||
| Average total assets | $311,452,000 | 2,103 |
| Average earning assets | $266,132,500 | 2,243 |
| Average equity | $15,220,500 | 3,826 |
| Average total loans | $207,724,500 | 1,990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 3,323 |
| Cost of funding earning assets | 0.8494% | 950 |
| Net interest margin | 3.3578% | 4,446 |
| Noninterest income to average assets | 0.1752% | 6,041 |
| Noninterest expense to average assets | 3.1254% | 2,656 |
| Loan and lease loss provision to assets | 0.1369% | 2,592 |
| Net operating income to assets | -0.8278% | 6,575 |
| Return on assets (ROA) | -0.7801% | 6,561 |
| Pretax return on assets | -0.1791% | 6,339 |
| Return on Equity (ROE) | -14.4353% | 6,637 |
| Retained earnings to average equity (ytd only) | -14.4353% | 6,608 |
| Net charge-offs to loans | 0.7481% | 856 |
| Credit loss provision to net charge-offs | 27.2562% | 4,308 |
| Earnings coverage of net charge-offs (x) | -0.1793% | 5,139 |
| Efficiency ratio | 102.9656% | 402 |
| Assets per employee ($millions) | 4.4005% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,002 |
| Loan loss allowance to noncurrent loans | 8.6555% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 20.9292% | 19 |
| Noncurrent loans to loans | 21.0297% | 15 |
| Net loans and leases to total assets | 65.4288% | 2,785 |
| Net loans and leases to deposits | 70.8648% | 3,670 |
| Net loans and leases to core deposits | 72.9295% | 3,960 |
| Total domestic deposits to total assets | 92.3291% | 227 |
| Equity capital to assets | 4.7779% | 6,702 |
| Core capital (leverage) ratio | 3.8087% | 6,756 |
| Tier 1 risk-based capital ratio | 4.9507% | 6,769 |
| Total risk-based capital ratio | 6.2878% | 6,770 |
| Memoranda: | ||
| Average total assets | $328,819,800 | 1,962 |
| Average earning assets | $280,095,600 | 2,116 |
| Average equity | $17,769,000 | 3,454 |
| Average total loans | $220,704,000 | 1,855 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 3,224 |
| Cost of funding earning assets | 0.8571% | 1,010 |
| Net interest margin | 3.3857% | 4,332 |
| Noninterest income to average assets | 0.3112% | 5,210 |
| Noninterest expense to average assets | 3.1054% | 2,635 |
| Loan and lease loss provision to assets | 0.1802% | 2,017 |
| Net operating income to assets | -0.0169% | 6,314 |
| Return on assets (ROA) | 0.0072% | 6,336 |
| Pretax return on assets | -0.0529% | 6,362 |
| Return on Equity (ROE) | 0.1299% | 6,331 |
| Retained earnings to average equity (ytd only) | 0.1299% | 5,898 |
| Net charge-offs to loans | 0.8941% | 650 |
| Credit loss provision to net charge-offs | 29.9800% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.1492% | 4,812 |
| Efficiency ratio | 97.1923% | 562 |
| Assets per employee ($millions) | 4.6427% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 2,157 |
| Loan loss allowance to noncurrent loans | 9.7431% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 18.9608% | 23 |
| Noncurrent loans to loans | 18.9463% | 23 |
| Net loans and leases to total assets | 63.5557% | 3,067 |
| Net loans and leases to deposits | 68.9630% | 3,940 |
| Net loans and leases to core deposits | 70.8934% | 4,225 |
| Total domestic deposits to total assets | 92.1591% | 226 |
| Equity capital to assets | 5.3202% | 6,749 |
| Core capital (leverage) ratio | 3.9221% | 6,829 |
| Tier 1 risk-based capital ratio | 5.1224% | 6,843 |
| Total risk-based capital ratio | 6.4581% | 6,844 |
| Memoranda: | ||
| Average total assets | $332,915,000 | 1,941 |
| Average earning assets | $283,580,500 | 2,100 |
| Average equity | $18,479,250 | 3,377 |
| Average total loans | $223,826,250 | 1,830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,878 |
| Cost of funding earning assets | 0.8666% | 1,049 |
| Net interest margin | 3.4504% | 4,004 |
| Noninterest income to average assets | 0.3695% | 4,757 |
| Noninterest expense to average assets | 3.0867% | 2,703 |
| Loan and lease loss provision to assets | 0.1796% | 2,115 |
| Net operating income to assets | 0.0713% | 6,200 |
| Return on assets (ROA) | 0.1275% | 6,172 |
| Pretax return on assets | 0.0964% | 6,236 |
| Return on Equity (ROE) | 2.2668% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.2668% | 4,838 |
| Net charge-offs to loans | 0.1566% | 2,848 |
| Credit loss provision to net charge-offs | 168.5393% | 1,396 |
| Earnings coverage of net charge-offs (x) | 2.0618% | 3,830 |
| Efficiency ratio | 93.3539% | 795 |
| Assets per employee ($millions) | 4.6460% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3034% | 1,257 |
| Loan loss allowance to noncurrent loans | 13.1338% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 18.2610% | 28 |
| Noncurrent loans to loans | 17.5377% | 32 |
| Net loans and leases to total assets | 64.8308% | 2,789 |
| Net loans and leases to deposits | 70.5774% | 3,647 |
| Net loans and leases to core deposits | 72.6456% | 3,967 |
| Total domestic deposits to total assets | 91.8577% | 275 |
| Equity capital to assets | 5.4761% | 6,796 |
| Core capital (leverage) ratio | 4.0334% | 6,875 |
| Tier 1 risk-based capital ratio | 5.2352% | 6,888 |
| Total risk-based capital ratio | 6.5741% | 6,889 |
| Memoranda: | ||
| Average total assets | $334,009,330 | 1,942 |
| Average earning assets | $284,316,330 | 2,100 |
| Average equity | $18,793,330 | 3,354 |
| Average total loans | $227,288,330 | 1,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,928 |
| Cost of funding earning assets | 0.8812% | 1,076 |
| Net interest margin | 3.4077% | 4,090 |
| Noninterest income to average assets | 0.4063% | 4,411 |
| Noninterest expense to average assets | 2.9638% | 3,102 |
| Loan and lease loss provision to assets | 0.1798% | 2,062 |
| Net operating income to assets | 0.1666% | 5,989 |
| Return on assets (ROA) | 0.1666% | 6,091 |
| Pretax return on assets | 0.1594% | 6,153 |
| Return on Equity (ROE) | 2.9215% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.9215% | 4,529 |
| Net charge-offs to loans | 0.0852% | 2,986 |
| Credit loss provision to net charge-offs | 306.1224% | 781 |
| Earnings coverage of net charge-offs (x) | 5.7755% | 2,325 |
| Efficiency ratio | 89.7315% | 1,167 |
| Assets per employee ($millions) | 4.5353% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 1,549 |
| Loan loss allowance to noncurrent loans | 13.4400% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 18.5744% | 33 |
| Noncurrent loans to loans | 16.5112% | 49 |
| Net loans and leases to total assets | 67.7706% | 2,058 |
| Net loans and leases to deposits | 73.8424% | 2,935 |
| Net loans and leases to core deposits | 76.6221% | 3,242 |
| Total domestic deposits to total assets | 91.7774% | 288 |
| Equity capital to assets | 5.7377% | 6,844 |
| Core capital (leverage) ratio | 4.2077% | 6,924 |
| Tier 1 risk-based capital ratio | 5.3291% | 6,948 |
| Total risk-based capital ratio | 6.6654% | 6,949 |
| Memoranda: | ||
| Average total assets | $333,758,500 | 1,967 |
| Average earning assets | $283,711,500 | 2,128 |
| Average equity | $19,031,000 | 3,375 |
| Average total loans | $229,943,000 | 1,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 3,979 |
| Cost of funding earning assets | 1.0849% | 958 |
| Net interest margin | 3.2767% | 5,333 |
| Noninterest income to average assets | 0.2141% | 5,894 |
| Noninterest expense to average assets | 2.8682% | 3,771 |
| Loan and lease loss provision to assets | 0.3126% | 2,187 |
| Net operating income to assets | -0.0938% | 6,280 |
| Return on assets (ROA) | -0.0628% | 6,356 |
| Pretax return on assets | -0.1418% | 6,391 |
| Return on Equity (ROE) | -1.1276% | 6,398 |
| Retained earnings to average equity (ytd only) | -1.1276% | 6,035 |
| Net charge-offs to loans | 0.4754% | 2,336 |
| Credit loss provision to net charge-offs | 99.2721% | 3,121 |
| Earnings coverage of net charge-offs (x) | 0.3885% | 5,290 |
| Efficiency ratio | 95.9084% | 711 |
| Assets per employee ($millions) | 4.7386% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 1,613 |
| Loan loss allowance to noncurrent loans | 13.2987% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 18.4857% | 38 |
| Noncurrent loans to loans | 16.2874% | 65 |
| Net loans and leases to total assets | 67.0045% | 2,362 |
| Net loans and leases to deposits | 72.9879% | 3,250 |
| Net loans and leases to core deposits | 75.9977% | 3,533 |
| Total domestic deposits to total assets | 91.8022% | 283 |
| Equity capital to assets | 5.6669% | 6,911 |
| Core capital (leverage) ratio | 4.0624% | 6,986 |
| Tier 1 risk-based capital ratio | 5.2657% | 7,011 |
| Total risk-based capital ratio | 6.6005% | 7,013 |
| Memoranda: | ||
| Average total assets | $348,969,200 | 1,857 |
| Average earning assets | $295,693,800 | 1,998 |
| Average equity | $19,421,600 | 3,271 |
| Average total loans | $231,188,600 | 1,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 3,078 |
| Cost of funding earning assets | 1.1209% | 981 |
| Net interest margin | 3.5145% | 4,584 |
| Noninterest income to average assets | 0.3351% | 5,125 |
| Noninterest expense to average assets | 2.9112% | 3,548 |
| Loan and lease loss provision to assets | 0.3408% | 1,921 |
| Net operating income to assets | 0.0769% | 6,162 |
| Return on assets (ROA) | 0.0848% | 6,291 |
| Pretax return on assets | 0.0663% | 6,315 |
| Return on Equity (ROE) | 1.5308% | 6,150 |
| Retained earnings to average equity (ytd only) | 1.5308% | 5,573 |
| Net charge-offs to loans | 0.5664% | 1,918 |
| Credit loss provision to net charge-offs | 91.5565% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 4,774 |
| Efficiency ratio | 87.9433% | 1,198 |
| Assets per employee ($millions) | 5.2485% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1810% | 1,742 |
| Loan loss allowance to noncurrent loans | 188.5692% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 8.1822% | 371 |
| Noncurrent loans to loans | 1.1566% | 4,128 |
| Net loans and leases to total assets | 61.7788% | 3,431 |
| Net loans and leases to deposits | 67.2248% | 4,306 |
| Net loans and leases to core deposits | 70.4982% | 4,435 |
| Total domestic deposits to total assets | 91.8988% | 220 |
| Equity capital to assets | 5.5377% | 7,017 |
| Core capital (leverage) ratio | 4.3228% | 7,070 |
| Tier 1 risk-based capital ratio | 5.6426% | 7,096 |
| Total risk-based capital ratio | 6.9780% | 7,095 |
| Memoranda: | ||
| Average total assets | $352,100,750 | 1,856 |
| Average earning assets | $298,073,250 | 2,003 |
| Average equity | $19,510,500 | 3,288 |
| Average total loans | $231,380,000 | 1,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 2,480 |
| Cost of funding earning assets | 1.1876% | 866 |
| Net interest margin | 3.6194% | 4,184 |
| Noninterest income to average assets | 0.3235% | 5,240 |
| Noninterest expense to average assets | 2.8861% | 3,677 |
| Loan and lease loss provision to assets | 0.3424% | 1,922 |
| Net operating income to assets | 0.1380% | 6,071 |
| Return on assets (ROA) | 0.1524% | 6,203 |
| Pretax return on assets | 0.1700% | 6,196 |
| Return on Equity (ROE) | 2.7489% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.7489% | 4,790 |
| Net charge-offs to loans | 0.5442% | 1,960 |
| Credit loss provision to net charge-offs | 94.4882% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.3701% | 4,323 |
| Efficiency ratio | 85.3239% | 1,494 |
| Assets per employee ($millions) | 5.0734% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 1,863 |
| Loan loss allowance to noncurrent loans | 179.8551% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 8.6858% | 365 |
| Noncurrent loans to loans | 1.2011% | 4,147 |
| Net loans and leases to total assets | 65.1662% | 2,818 |
| Net loans and leases to deposits | 70.9661% | 3,771 |
| Net loans and leases to core deposits | 75.1050% | 3,871 |
| Total domestic deposits to total assets | 91.8273% | 253 |
| Equity capital to assets | 5.7187% | 7,047 |
| Core capital (leverage) ratio | 4.3340% | 7,107 |
| Tier 1 risk-based capital ratio | 5.5718% | 7,142 |
| Total risk-based capital ratio | 6.9057% | 7,140 |
| Memoranda: | ||
| Average total assets | $350,502,330 | 1,870 |
| Average earning assets | $296,238,670 | 2,008 |
| Average equity | $19,426,000 | 3,293 |
| Average total loans | $233,372,670 | 1,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,961 |
| Cost of funding earning assets | 1.2812% | 680 |
| Net interest margin | 3.4414% | 4,947 |
| Noninterest income to average assets | 0.6205% | 3,101 |
| Noninterest expense to average assets | 3.0188% | 3,179 |
| Loan and lease loss provision to assets | 0.3397% | 1,840 |
| Net operating income to assets | 0.1936% | 6,006 |
| Return on assets (ROA) | 0.2061% | 6,112 |
| Pretax return on assets | 0.1823% | 6,231 |
| Return on Equity (ROE) | 3.7770% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.7770% | 4,321 |
| Net charge-offs to loans | 0.3589% | 2,227 |
| Credit loss provision to net charge-offs | 142.1801% | 1,737 |
| Earnings coverage of net charge-offs (x) | 2.1327% | 3,300 |
| Efficiency ratio | 85.5584% | 1,519 |
| Assets per employee ($millions) | 5.0999% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 2,011 |
| Loan loss allowance to noncurrent loans | 86.1497% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 9.6286% | 328 |
| Noncurrent loans to loans | 2.4801% | 2,631 |
| Net loans and leases to total assets | 67.2016% | 2,254 |
| Net loans and leases to deposits | 73.1715% | 3,251 |
| Net loans and leases to core deposits | 78.6040% | 3,246 |
| Total domestic deposits to total assets | 91.8412% | 300 |
| Equity capital to assets | 5.5855% | 7,102 |
| Core capital (leverage) ratio | 4.0974% | 7,170 |
| Tier 1 risk-based capital ratio | 5.2473% | 7,204 |
| Total risk-based capital ratio | 6.5778% | 7,204 |
| Memoranda: | ||
| Average total assets | $353,258,500 | 1,873 |
| Average earning assets | $298,479,000 | 1,992 |
| Average equity | $19,274,500 | 3,314 |
| Average total loans | $235,168,500 | 1,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 4,725 |
| Cost of funding earning assets | 1.5369% | 619 |
| Net interest margin | 3.0497% | 6,451 |
| Noninterest income to average assets | 0.2716% | 5,583 |
| Noninterest expense to average assets | 3.0117% | 3,550 |
| Loan and lease loss provision to assets | 0.9171% | 1,046 |
| Net operating income to assets | -0.9656% | 6,727 |
| Return on assets (ROA) | -0.9486% | 6,745 |
| Pretax return on assets | -1.0068% | 6,737 |
| Return on Equity (ROE) | -16.3594% | 6,920 |
| Retained earnings to average equity (ytd only) | -16.3594% | 6,899 |
| Net charge-offs to loans | 2.1295% | 620 |
| Credit loss provision to net charge-offs | 64.4039% | 5,047 |
| Earnings coverage of net charge-offs (x) | -0.0757% | 5,886 |
| Efficiency ratio | 103.7113% | 575 |
| Assets per employee ($millions) | 4.8612% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1529% | 1,890 |
| Loan loss allowance to noncurrent loans | 75.7769% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 9.2415% | 387 |
| Noncurrent loans to loans | 2.8411% | 2,304 |
| Net loans and leases to total assets | 63.1595% | 3,362 |
| Net loans and leases to deposits | 68.3891% | 4,382 |
| Net loans and leases to core deposits | 75.6280% | 4,031 |
| Total domestic deposits to total assets | 92.3531% | 190 |
| Equity capital to assets | 5.3316% | 7,148 |
| Core capital (leverage) ratio | 3.8136% | 7,223 |
| Tier 1 risk-based capital ratio | 5.2481% | 7,234 |
| Total risk-based capital ratio | 6.5793% | 7,234 |
| Memoranda: | ||
| Average total assets | $369,296,400 | 1,763 |
| Average earning assets | $318,753,200 | 1,846 |
| Average equity | $21,412,800 | 2,962 |
| Average total loans | $246,955,600 | 1,691 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 4,909 |
| Cost of funding earning assets | 1.5599% | 691 |
| Net interest margin | 3.0277% | 6,525 |
| Noninterest income to average assets | 0.4028% | 4,643 |
| Noninterest expense to average assets | 2.9615% | 3,698 |
| Loan and lease loss provision to assets | 0.5564% | 1,768 |
| Net operating income to assets | -0.2934% | 6,479 |
| Return on assets (ROA) | -0.2852% | 6,536 |
| Pretax return on assets | -0.4753% | 6,607 |
| Return on Equity (ROE) | -4.8244% | 6,671 |
| Retained earnings to average equity (ytd only) | -4.8244% | 6,584 |
| Net charge-offs to loans | 1.2150% | 1,286 |
| Credit loss provision to net charge-offs | 67.9072% | 4,547 |
| Earnings coverage of net charge-offs (x) | 0.0832% | 5,545 |
| Efficiency ratio | 97.7504% | 748 |
| Assets per employee ($millions) | 5.1903% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 1,337 |
| Loan loss allowance to noncurrent loans | 58.9286% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 8.6121% | 475 |
| Noncurrent loans to loans | 4.3121% | 1,523 |
| Net loans and leases to total assets | 59.6797% | 4,194 |
| Net loans and leases to deposits | 64.6804% | 5,089 |
| Net loans and leases to core deposits | 72.7039% | 4,619 |
| Total domestic deposits to total assets | 92.2685% | 181 |
| Equity capital to assets | 5.5865% | 7,221 |
| Core capital (leverage) ratio | 4.6221% | 7,266 |
| Tier 1 risk-based capital ratio | 6.3259% | 7,284 |
| Total risk-based capital ratio | 7.6603% | 7,279 |
| Memoranda: | ||
| Average total assets | $371,689,000 | 1,752 |
| Average earning assets | $322,483,500 | 1,839 |
| Average equity | $21,971,250 | 2,892 |
| Average total loans | $250,644,500 | 1,686 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 4,384 |
| Cost of funding earning assets | 1.6081% | 672 |
| Net interest margin | 3.1239% | 6,359 |
| Noninterest income to average assets | 0.4482% | 4,296 |
| Noninterest expense to average assets | 2.9904% | 3,678 |
| Loan and lease loss provision to assets | 0.4153% | 2,354 |
| Net operating income to assets | -0.1478% | 6,414 |
| Return on assets (ROA) | -0.1351% | 6,438 |
| Pretax return on assets | -0.2252% | 6,477 |
| Return on Equity (ROE) | -2.2415% | 6,535 |
| Retained earnings to average equity (ytd only) | -2.2415% | 6,280 |
| Net charge-offs to loans | 0.2862% | 3,444 |
| Credit loss provision to net charge-offs | 208.2645% | 1,445 |
| Earnings coverage of net charge-offs (x) | 0.8540% | 4,657 |
| Efficiency ratio | 94.6124% | 939 |
| Assets per employee ($millions) | 4.6710% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8917% | 996 |
| Loan loss allowance to noncurrent loans | 50.3815% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 9.2996% | 445 |
| Noncurrent loans to loans | 5.7396% | 1,071 |
| Net loans and leases to total assets | 65.2803% | 3,190 |
| Net loans and leases to deposits | 71.2394% | 4,249 |
| Net loans and leases to core deposits | 80.3312% | 3,739 |
| Total domestic deposits to total assets | 91.6351% | 314 |
| Equity capital to assets | 5.9198% | 7,254 |
| Core capital (leverage) ratio | 4.8201% | 7,311 |
| Tier 1 risk-based capital ratio | 6.3045% | 7,349 |
| Total risk-based capital ratio | 7.6417% | 7,347 |
| Memoranda: | ||
| Average total assets | $364,096,670 | 1,796 |
| Average earning assets | $316,145,000 | 1,883 |
| Average equity | $21,949,330 | 2,885 |
| Average total loans | $253,674,670 | 1,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 4,210 |
| Cost of funding earning assets | 1.6524% | 673 |
| Net interest margin | 3.1166% | 6,302 |
| Noninterest income to average assets | 0.4409% | 4,356 |
| Noninterest expense to average assets | 3.0982% | 3,250 |
| Loan and lease loss provision to assets | 0.7470% | 1,135 |
| Net operating income to assets | -0.4175% | 6,748 |
| Return on assets (ROA) | -0.4175% | 6,759 |
| Pretax return on assets | -0.6958% | 6,872 |
| Return on Equity (ROE) | -6.8607% | 6,912 |
| Retained earnings to average equity (ytd only) | -6.8607% | 6,670 |
| Net charge-offs to loans | 0.2966% | 2,867 |
| Credit loss provision to net charge-offs | 355.0265% | 926 |
| Earnings coverage of net charge-offs (x) | 0.2434% | 4,430 |
| Efficiency ratio | 98.3740% | 816 |
| Assets per employee ($millions) | 4.4655% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8791% | 1,030 |
| Loan loss allowance to noncurrent loans | 50.8225% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 8.6932% | 518 |
| Noncurrent loans to loans | 5.6650% | 1,150 |
| Net loans and leases to total assets | 67.7393% | 2,607 |
| Net loans and leases to deposits | 73.7664% | 3,792 |
| Net loans and leases to core deposits | 84.4766% | 3,104 |
| Total domestic deposits to total assets | 91.8295% | 332 |
| Equity capital to assets | 5.9284% | 7,294 |
| Core capital (leverage) ratio | 4.9793% | 7,364 |
| Tier 1 risk-based capital ratio | 6.1154% | 7,421 |
| Total risk-based capital ratio | 7.4517% | 7,422 |
| Memoranda: | ||
| Average total assets | $359,304,500 | 1,829 |
| Average earning assets | $312,266,000 | 1,915 |
| Average equity | $21,863,500 | 2,890 |
| Average total loans | $254,910,000 | 1,699 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 4,229 |
| Cost of funding earning assets | 1.9831% | 642 |
| Net interest margin | 3.0878% | 6,547 |
| Noninterest income to average assets | 0.2480% | 6,023 |
| Noninterest expense to average assets | 2.9814% | 3,919 |
| Loan and lease loss provision to assets | 0.7824% | 2,087 |
| Net operating income to assets | -0.6440% | 6,481 |
| Return on assets (ROA) | -0.6450% | 6,510 |
| Pretax return on assets | -0.8687% | 6,555 |
| Return on Equity (ROE) | -10.3363% | 6,741 |
| Retained earnings to average equity (ytd only) | -10.3363% | 6,678 |
| Net charge-offs to loans | 1.1207% | 1,986 |
| Credit loss provision to net charge-offs | 101.3324% | 4,477 |
| Earnings coverage of net charge-offs (x) | -0.1100% | 6,227 |
| Efficiency ratio | 102.9326% | 697 |
| Assets per employee ($millions) | 4.4055% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7006% | 1,167 |
| Loan loss allowance to noncurrent loans | 53.9283% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 8.4545% | 559 |
| Noncurrent loans to loans | 5.0077% | 1,339 |
| Net loans and leases to total assets | 70.2405% | 2,486 |
| Net loans and leases to deposits | 76.8501% | 3,717 |
| Net loans and leases to core deposits | 90.8906% | 2,635 |
| Total domestic deposits to total assets | 91.3994% | 428 |
| Equity capital to assets | 6.2476% | 7,305 |
| Core capital (leverage) ratio | 4.8646% | 7,430 |
| Tier 1 risk-based capital ratio | 6.2785% | 7,466 |
| Total risk-based capital ratio | 7.6132% | 7,466 |
| Memoranda: | ||
| Average total assets | $379,088,000 | 1,736 |
| Average earning assets | $325,149,200 | 1,835 |
| Average equity | $23,654,600 | 2,685 |
| Average total loans | $261,173,000 | 1,695 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 4,323 |
| Cost of funding earning assets | 2.0126% | 723 |
| Net interest margin | 3.0855% | 6,650 |
| Noninterest income to average assets | 0.3214% | 5,582 |
| Noninterest expense to average assets | 3.0264% | 3,656 |
| Loan and lease loss provision to assets | 0.7718% | 1,978 |
| Net operating income to assets | -0.6636% | 6,709 |
| Return on assets (ROA) | -0.6636% | 6,754 |
| Pretax return on assets | -0.8358% | 6,765 |
| Return on Equity (ROE) | -10.6383% | 6,955 |
| Retained earnings to average equity (ytd only) | -10.6383% | 6,910 |
| Net charge-offs to loans | 0.8212% | 2,397 |
| Credit loss provision to net charge-offs | 137.9246% | 2,893 |
| Earnings coverage of net charge-offs (x) | -0.1143% | 6,117 |
| Efficiency ratio | 102.1584% | 682 |
| Assets per employee ($millions) | 4.7481% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 927 |
| Loan loss allowance to noncurrent loans | 62.7719% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 7.6368% | 679 |
| Noncurrent loans to loans | 4.5931% | 1,556 |
| Net loans and leases to total assets | 65.2139% | 3,862 |
| Net loans and leases to deposits | 73.2606% | 4,643 |
| Net loans and leases to core deposits | 88.0616% | 3,362 |
| Total domestic deposits to total assets | 89.0163% | 1,378 |
| Equity capital to assets | 5.9912% | 7,490 |
| Core capital (leverage) ratio | 5.2035% | 7,530 |
| Tier 1 risk-based capital ratio | 6.8622% | 7,557 |
| Total risk-based capital ratio | 8.1981% | 7,559 |
| Memoranda: | ||
| Average total assets | $385,750,250 | 1,729 |
| Average earning assets | $330,185,250 | 1,834 |
| Average equity | $24,063,500 | 2,690 |
| Average total loans | $262,859,750 | 1,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 4,166 |
| Cost of funding earning assets | 2.0656% | 744 |
| Net interest margin | 3.0893% | 6,631 |
| Noninterest income to average assets | 0.4548% | 4,472 |
| Noninterest expense to average assets | 3.1398% | 3,144 |
| Loan and lease loss provision to assets | 0.3724% | 3,475 |
| Net operating income to assets | -0.2522% | 6,414 |
| Return on assets (ROA) | -0.2522% | 6,457 |
| Pretax return on assets | -0.4206% | 6,530 |
| Return on Equity (ROE) | -3.9911% | 6,617 |
| Retained earnings to average equity (ytd only) | -3.9911% | 6,438 |
| Net charge-offs to loans | 0.5908% | 2,754 |
| Credit loss provision to net charge-offs | 92.0615% | 4,365 |
| Earnings coverage of net charge-offs (x) | -0.1191% | 5,818 |
| Efficiency ratio | 101.5580% | 748 |
| Assets per employee ($millions) | 4.6342% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5707% | 1,224 |
| Loan loss allowance to noncurrent loans | 83.7871% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 7.7302% | 652 |
| Noncurrent loans to loans | 3.0682% | 2,623 |
| Net loans and leases to total assets | 67.5207% | 3,490 |
| Net loans and leases to deposits | 75.9805% | 4,339 |
| Net loans and leases to core deposits | 92.6626% | 2,893 |
| Total domestic deposits to total assets | 88.8658% | 1,512 |
| Equity capital to assets | 6.4079% | 7,479 |
| Core capital (leverage) ratio | 5.5360% | 7,548 |
| Tier 1 risk-based capital ratio | 7.0910% | 7,594 |
| Total risk-based capital ratio | 8.4213% | 7,594 |
| Memoranda: | ||
| Average total assets | $386,135,000 | 1,742 |
| Average earning assets | $329,587,330 | 1,851 |
| Average equity | $24,404,000 | 2,651 |
| Average total loans | $264,394,330 | 1,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,891 |
| Cost of funding earning assets | 2.1412% | 712 |
| Net interest margin | 3.0854% | 6,634 |
| Noninterest income to average assets | 0.4152% | 4,772 |
| Noninterest expense to average assets | 3.1192% | 3,186 |
| Loan and lease loss provision to assets | 0.5509% | 2,299 |
| Net operating income to assets | -0.3710% | 6,738 |
| Return on assets (ROA) | -0.3710% | 6,782 |
| Pretax return on assets | -0.6187% | 6,854 |
| Return on Equity (ROE) | -5.9105% | 6,937 |
| Retained earnings to average equity (ytd only) | -5.9105% | 6,657 |
| Net charge-offs to loans | 1.1264% | 1,495 |
| Credit loss provision to net charge-offs | 71.8499% | 4,062 |
| Earnings coverage of net charge-offs (x) | -0.0885% | 5,090 |
| Efficiency ratio | 102.2230% | 779 |
| Assets per employee ($millions) | 4.6157% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5075% | 1,285 |
| Loan loss allowance to noncurrent loans | 140.5945% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 6.9239% | 785 |
| Noncurrent loans to loans | 1.7835% | 4,074 |
| Net loans and leases to total assets | 68.0256% | 3,381 |
| Net loans and leases to deposits | 76.4976% | 4,318 |
| Net loans and leases to core deposits | 86.9293% | 3,766 |
| Total domestic deposits to total assets | 88.9251% | 1,556 |
| Equity capital to assets | 6.4174% | 7,547 |
| Core capital (leverage) ratio | 5.5078% | 7,652 |
| Tier 1 risk-based capital ratio | 6.9405% | 7,701 |
| Total risk-based capital ratio | 8.2681% | 7,698 |
| Memoranda: | ||
| Average total assets | $389,201,500 | 1,772 |
| Average earning assets | $332,529,500 | 1,886 |
| Average equity | $24,431,000 | 2,675 |
| Average total loans | $264,916,500 | 1,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 6,246 |
| Cost of funding earning assets | 2.8225% | 412 |
| Net interest margin | 2.2319% | 7,630 |
| Noninterest income to average assets | -0.0855% | 7,797 |
| Noninterest expense to average assets | 2.7905% | 5,013 |
| Loan and lease loss provision to assets | 2.7677% | 664 |
| Net operating income to assets | -2.2435% | 7,178 |
| Return on assets (ROA) | -2.2861% | 7,194 |
| Pretax return on assets | -3.7643% | 7,479 |
| Return on Equity (ROE) | -32.7203% | 7,448 |
| Retained earnings to average equity (ytd only) | -32.7203% | 7,432 |
| Net charge-offs to loans | 4.3560% | 346 |
| Credit loss provision to net charge-offs | 91.0944% | 5,967 |
| Earnings coverage of net charge-offs (x) | -0.3061% | 6,555 |
| Efficiency ratio | 149.9935% | 313 |
| Assets per employee ($millions) | 4.7609% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5709% | 1,147 |
| Loan loss allowance to noncurrent loans | 120.1970% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 6.6947% | 789 |
| Noncurrent loans to loans | 2.1389% | 3,471 |
| Net loans and leases to total assets | 64.7413% | 4,432 |
| Net loans and leases to deposits | 72.4172% | 5,268 |
| Net loans and leases to core deposits | 109.4164% | 2,961 |
| Total domestic deposits to total assets | 89.4005% | 1,267 |
| Equity capital to assets | 6.1445% | 7,648 |
| Core capital (leverage) ratio | 5.0393% | 7,769 |
| Tier 1 risk-based capital ratio | 6.9200% | 7,759 |
| Total risk-based capital ratio | 8.2465% | 7,752 |
| Memoranda: | ||
| Average total assets | $416,515,000 | 1,657 |
| Average earning assets | $363,151,200 | 1,730 |
| Average equity | $29,101,200 | 2,291 |
| Average total loans | $290,516,800 | 1,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9757% | 6,678 |
| Cost of funding earning assets | 2.8689% | 504 |
| Net interest margin | 2.1068% | 7,758 |
| Noninterest income to average assets | -0.0729% | 7,908 |
| Noninterest expense to average assets | 2.6925% | 5,358 |
| Loan and lease loss provision to assets | 2.9198% | 516 |
| Net operating income to assets | -2.3003% | 7,410 |
| Return on assets (ROA) | -2.3565% | 7,421 |
| Pretax return on assets | -3.9277% | 7,675 |
| Return on Equity (ROE) | -32.7887% | 7,657 |
| Retained earnings to average equity (ytd only) | -32.7887% | 7,648 |
| Net charge-offs to loans | 3.7652% | 388 |
| Credit loss provision to net charge-offs | 109.9415% | 4,625 |
| Earnings coverage of net charge-offs (x) | -0.3465% | 6,386 |
| Efficiency ratio | 151.9134% | 307 |
| Assets per employee ($millions) | 5.3217% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1737% | 578 |
| Loan loss allowance to noncurrent loans | 89.8978% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 6.9631% | 694 |
| Noncurrent loans to loans | 3.5303% | 2,120 |
| Net loans and leases to total assets | 60.7288% | 5,465 |
| Net loans and leases to deposits | 70.1967% | 5,890 |
| Net loans and leases to core deposits | 101.0096% | 4,263 |
| Total domestic deposits to total assets | 86.5123% | 2,418 |
| Equity capital to assets | 6.0978% | 7,840 |
| Core capital (leverage) ratio | 5.5334% | 7,863 |
| Tier 1 risk-based capital ratio | 7.3896% | 7,859 |
| Total risk-based capital ratio | 8.7173% | 7,860 |
| Memoranda: | ||
| Average total assets | $420,664,750 | 1,661 |
| Average earning assets | $368,448,500 | 1,719 |
| Average equity | $30,233,250 | 2,239 |
| Average total loans | $296,710,250 | 1,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 6,582 |
| Cost of funding earning assets | 2.9602% | 519 |
| Net interest margin | 2.0996% | 7,810 |
| Noninterest income to average assets | 0.3254% | 5,911 |
| Noninterest expense to average assets | 3.0368% | 3,937 |
| Loan and lease loss provision to assets | 3.4836% | 414 |
| Net operating income to assets | -2.6040% | 7,591 |
| Return on assets (ROA) | -2.6897% | 7,599 |
| Pretax return on assets | -4.4830% | 7,806 |
| Return on Equity (ROE) | -35.5089% | 7,793 |
| Retained earnings to average equity (ytd only) | -35.5089% | 7,776 |
| Net charge-offs to loans | 2.7177% | 621 |
| Credit loss provision to net charge-offs | 174.8362% | 2,628 |
| Earnings coverage of net charge-offs (x) | -0.4344% | 6,036 |
| Efficiency ratio | 139.8575% | 433 |
| Assets per employee ($millions) | 5.3923% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7814% | 304 |
| Loan loss allowance to noncurrent loans | 77.7950% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 6.9343% | 617 |
| Noncurrent loans to loans | 4.8608% | 1,283 |
| Net loans and leases to total assets | 62.7824% | 5,219 |
| Net loans and leases to deposits | 72.5202% | 5,665 |
| Net loans and leases to core deposits | 105.2066% | 3,935 |
| Total domestic deposits to total assets | 86.5723% | 2,470 |
| Equity capital to assets | 6.3022% | 7,864 |
| Core capital (leverage) ratio | 6.7653% | 7,678 |
| Tier 1 risk-based capital ratio | 8.5266% | 7,843 |
| Total risk-based capital ratio | 9.8027% | 7,873 |
| Memoranda: | ||
| Average total assets | $413,653,000 | 1,703 |
| Average earning assets | $363,688,670 | 1,762 |
| Average equity | $31,333,000 | 2,160 |
| Average total loans | $303,270,000 | 1,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 5,678 |
| Cost of funding earning assets | 3.1057% | 453 |
| Net interest margin | 2.2402% | 7,765 |
| Noninterest income to average assets | 0.4447% | 4,835 |
| Noninterest expense to average assets | 2.5904% | 5,496 |
| Loan and lease loss provision to assets | 2.3282% | 507 |
| Net operating income to assets | -1.4961% | 7,498 |
| Return on assets (ROA) | -1.5135% | 7,503 |
| Pretax return on assets | -2.5228% | 7,666 |
| Return on Equity (ROE) | -18.2512% | 7,716 |
| Retained earnings to average equity (ytd only) | -18.2512% | 7,596 |
| Net charge-offs to loans | 1.7624% | 824 |
| Credit loss provision to net charge-offs | 169.6547% | 2,525 |
| Earnings coverage of net charge-offs (x) | -0.1220% | 5,095 |
| Efficiency ratio | 106.9080% | 902 |
| Assets per employee ($millions) | 4.8071% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8812% | 542 |
| Loan loss allowance to noncurrent loans | 83.3599% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 5.8587% | 697 |
| Noncurrent loans to loans | 3.4564% | 1,848 |
| Net loans and leases to total assets | 73.4766% | 2,897 |
| Net loans and leases to deposits | 86.3976% | 3,567 |
| Net loans and leases to core deposits | 126.5464% | 1,888 |
| Total domestic deposits to total assets | 85.0448% | 3,178 |
| Equity capital to assets | 7.9206% | 6,930 |
| Core capital (leverage) ratio | 8.1174% | 6,262 |
| Tier 1 risk-based capital ratio | 9.3798% | 7,521 |
| Total risk-based capital ratio | 10.6466% | 7,467 |
| Memoranda: | ||
| Average total assets | $396,699,500 | 1,777 |
| Average earning assets | $350,321,000 | 1,829 |
| Average equity | $32,896,500 | 2,057 |
| Average total loans | $308,889,000 | 1,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4355% | 3,251 |
| Cost of funding earning assets | 3.4363% | 638 |
| Net interest margin | 2.9992% | 6,922 |
| Noninterest income to average assets | 0.2806% | 6,452 |
| Noninterest expense to average assets | 2.8327% | 4,685 |
| Loan and lease loss provision to assets | 1.6767% | 775 |
| Net operating income to assets | -0.8339% | 7,155 |
| Return on assets (ROA) | -0.8218% | 7,055 |
| Pretax return on assets | -1.5204% | 7,265 |
| Return on Equity (ROE) | -8.8720% | 7,186 |
| Retained earnings to average equity (ytd only) | -9.4393% | 7,021 |
| Net charge-offs to loans | 0.9524% | 1,297 |
| Credit loss provision to net charge-offs | 219.8415% | 2,182 |
| Earnings coverage of net charge-offs (x) | 0.1802% | 6,137 |
| Efficiency ratio | 95.3737% | 1,196 |
| Assets per employee ($millions) | 4.6361% | 2,426 |
| Cash dividends to net income (ytd only)* | -6.3939% | 7,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5787% | 631 |
| Loan loss allowance to noncurrent loans | 142.7623% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 4.3725% | 881 |
| Noncurrent loans to loans | 1.8063% | 3,050 |
| Net loans and leases to total assets | 78.1412% | 2,101 |
| Net loans and leases to deposits | 96.4151% | 2,382 |
| Net loans and leases to core deposits | 144.6254% | 1,071 |
| Total domestic deposits to total assets | 81.0467% | 4,617 |
| Equity capital to assets | 8.6875% | 5,823 |
| Core capital (leverage) ratio | 8.7083% | 5,181 |
| Tier 1 risk-based capital ratio | 9.7354% | 7,039 |
| Total risk-based capital ratio | 10.9984% | 6,922 |
| Memoranda: | ||
| Average total assets | $380,631,000 | 1,776 |
| Average earning assets | $341,327,400 | 1,805 |
| Average equity | $35,257,000 | 1,916 |
| Average total loans | $304,815,200 | 1,588 |