Home > The Coastal Bank > Performance and Condition Ratios
The Coastal Bank, Performance and Condition Ratios
| 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 | 4.6838% | 1,315 |
| Cost of funding earning assets | 0.3570% | 4,350 |
| Net interest margin | 4.3268% | 975 |
| Noninterest income to average assets | 1.0742% | 1,033 |
| Noninterest expense to average assets | 6.4512% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.8701% | 6,511 |
| Return on assets (ROA) | -0.8657% | 6,512 |
| Pretax return on assets | -1.5562% | 6,564 |
| Return on Equity (ROE) | -8.3337% | 6,495 |
| Retained earnings to average equity (ytd only) | -8.3337% | 6,380 |
| Net charge-offs to loans | 0.0201% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -112.4333% | 4,362 |
| Efficiency ratio | 131.3519% | 94 |
| Assets per employee ($millions) | 3.8559% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 5,069 |
| Loan loss allowance to noncurrent loans | 77.1518% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 4.3985% | 448 |
| Noncurrent loans to loans | 1.3746% | 2,514 |
| Net loans and leases to total assets | 68.9011% | 2,256 |
| Net loans and leases to deposits | 81.3494% | 2,339 |
| Net loans and leases to core deposits | 84.5153% | 2,683 |
| Total domestic deposits to total assets | 84.6977% | 3,643 |
| Equity capital to assets | 10.0908% | 3,986 |
| Core capital (leverage) ratio | 8.8741% | 5,202 |
| Tier 1 risk-based capital ratio | 11.7348% | 5,674 |
| Total risk-based capital ratio | 12.7501% | 5,755 |
| Memoranda: | ||
| Average total assets | $431,576,670 | 1,553 |
| Average earning assets | $380,418,670 | 1,609 |
| Average equity | $44,830,000 | 1,594 |
| Average total loans | $298,445,330 | 1,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,217 |
| Cost of funding earning assets | 0.3621% | 4,417 |
| Net interest margin | 4.3544% | 885 |
| Noninterest income to average assets | 1.0738% | 970 |
| Noninterest expense to average assets | 4.0083% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6439% | 3,978 |
| Return on assets (ROA) | 0.6538% | 4,029 |
| Pretax return on assets | 0.9211% | 3,621 |
| Return on Equity (ROE) | 6.2039% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.2039% | 2,434 |
| Net charge-offs to loans | -0.3271% | 6,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9208% | 2,061 |
| Assets per employee ($millions) | 3.6430% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 4,748 |
| Loan loss allowance to noncurrent loans | 68.2707% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 4.8326% | 438 |
| Noncurrent loans to loans | 1.7241% | 2,246 |
| Net loans and leases to total assets | 68.7472% | 2,101 |
| Net loans and leases to deposits | 80.2610% | 2,254 |
| Net loans and leases to core deposits | 83.1008% | 2,635 |
| Total domestic deposits to total assets | 85.6545% | 3,530 |
| Equity capital to assets | 10.7885% | 2,947 |
| Core capital (leverage) ratio | 9.7883% | 3,880 |
| Tier 1 risk-based capital ratio | 13.0654% | 4,966 |
| Total risk-based capital ratio | 14.1850% | 4,977 |
| Memoranda: | ||
| Average total assets | $429,508,500 | 1,563 |
| Average earning assets | $378,927,500 | 1,622 |
| Average equity | $45,261,500 | 1,577 |
| Average total loans | $295,953,500 | 1,455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 2,293 |
| Cost of funding earning assets | 0.5140% | 3,462 |
| Net interest margin | 3.9654% | 2,046 |
| Noninterest income to average assets | 1.2573% | 878 |
| Noninterest expense to average assets | 4.0254% | 850 |
| Loan and lease loss provision to assets | 0.3526% | 896 |
| Net operating income to assets | 0.3180% | 5,461 |
| Return on assets (ROA) | 0.3188% | 5,554 |
| Pretax return on assets | 0.3658% | 5,569 |
| Return on Equity (ROE) | 3.0863% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.0863% | 4,038 |
| Net charge-offs to loans | 0.6620% | 981 |
| Credit loss provision to net charge-offs | 79.5929% | 3,056 |
| Earnings coverage of net charge-offs (x) | 1.6195% | 4,519 |
| Efficiency ratio | 84.2295% | 1,603 |
| Assets per employee ($millions) | 3.8300% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,148 |
| Loan loss allowance to noncurrent loans | 59.1837% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 4.9491% | 479 |
| Noncurrent loans to loans | 1.8578% | 2,160 |
| Net loans and leases to total assets | 67.5039% | 2,436 |
| Net loans and leases to deposits | 80.1624% | 2,437 |
| Net loans and leases to core deposits | 82.5848% | 2,822 |
| Total domestic deposits to total assets | 84.2089% | 4,091 |
| Equity capital to assets | 10.2912% | 3,402 |
| Core capital (leverage) ratio | 9.3595% | 4,457 |
| Tier 1 risk-based capital ratio | 12.4527% | 5,315 |
| Total risk-based capital ratio | 13.4795% | 5,402 |
| Memoranda: | ||
| Average total assets | $432,503,800 | 1,532 |
| Average earning assets | $380,167,400 | 1,596 |
| Average equity | $44,681,600 | 1,564 |
| Average total loans | $289,408,600 | 1,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,625 |
| Cost of funding earning assets | 0.5493% | 3,269 |
| Net interest margin | 3.8404% | 2,504 |
| Noninterest income to average assets | 1.3819% | 762 |
| Noninterest expense to average assets | 3.9493% | 910 |
| Loan and lease loss provision to assets | 0.4070% | 736 |
| Net operating income to assets | 0.3360% | 5,481 |
| Return on assets (ROA) | 0.3370% | 5,606 |
| Pretax return on assets | 0.4005% | 5,621 |
| Return on Equity (ROE) | 3.2589% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.2589% | 4,357 |
| Net charge-offs to loans | 0.7604% | 787 |
| Credit loss provision to net charge-offs | 80.3898% | 2,840 |
| Earnings coverage of net charge-offs (x) | 1.5926% | 4,307 |
| Efficiency ratio | 82.4040% | 1,778 |
| Assets per employee ($millions) | 3.7840% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 5,258 |
| Loan loss allowance to noncurrent loans | 43.6160% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 5.5062% | 476 |
| Noncurrent loans to loans | 2.5659% | 1,673 |
| Net loans and leases to total assets | 68.5395% | 2,223 |
| Net loans and leases to deposits | 81.0921% | 2,253 |
| Net loans and leases to core deposits | 83.9012% | 2,667 |
| Total domestic deposits to total assets | 84.5206% | 3,967 |
| Equity capital to assets | 10.3774% | 3,418 |
| Core capital (leverage) ratio | 9.5045% | 4,399 |
| Tier 1 risk-based capital ratio | 12.4117% | 5,511 |
| Total risk-based capital ratio | 13.4555% | 5,579 |
| Memoranda: | ||
| Average total assets | $432,433,000 | 1,541 |
| Average earning assets | $379,881,250 | 1,597 |
| Average equity | $44,717,250 | 1,580 |
| Average total loans | $287,911,750 | 1,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,803 |
| Cost of funding earning assets | 0.5922% | 3,012 |
| Net interest margin | 3.7451% | 2,782 |
| Noninterest income to average assets | 1.6243% | 608 |
| Noninterest expense to average assets | 3.9673% | 900 |
| Loan and lease loss provision to assets | 0.2742% | 1,346 |
| Net operating income to assets | 0.5009% | 4,793 |
| Return on assets (ROA) | 0.5023% | 4,956 |
| Pretax return on assets | 0.6718% | 4,772 |
| Return on Equity (ROE) | 4.8626% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.8626% | 3,138 |
| Net charge-offs to loans | 0.5732% | 1,153 |
| Credit loss provision to net charge-offs | 72.8274% | 2,765 |
| Earnings coverage of net charge-offs (x) | 2.5080% | 3,689 |
| Efficiency ratio | 80.1576% | 2,131 |
| Assets per employee ($millions) | 3.7491% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,075 |
| Loan loss allowance to noncurrent loans | 39.8484% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 6.0213% | 449 |
| Noncurrent loans to loans | 2.9699% | 1,504 |
| Net loans and leases to total assets | 67.3456% | 2,358 |
| Net loans and leases to deposits | 76.8542% | 2,746 |
| Net loans and leases to core deposits | 79.3122% | 3,112 |
| Total domestic deposits to total assets | 87.6277% | 2,477 |
| Equity capital to assets | 10.4872% | 3,318 |
| Core capital (leverage) ratio | 9.2470% | 4,627 |
| Tier 1 risk-based capital ratio | 12.4994% | 5,499 |
| Total risk-based capital ratio | 13.5915% | 5,548 |
| Memoranda: | ||
| Average total assets | $434,046,000 | 1,535 |
| Average earning assets | $380,979,670 | 1,597 |
| Average equity | $44,832,000 | 1,586 |
| Average total loans | $285,086,330 | 1,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 3,200 |
| Cost of funding earning assets | 0.6118% | 2,995 |
| Net interest margin | 3.6124% | 3,208 |
| Noninterest income to average assets | 1.4935% | 695 |
| Noninterest expense to average assets | 3.9213% | 971 |
| Loan and lease loss provision to assets | 0.1503% | 2,363 |
| Net operating income to assets | 0.4581% | 4,878 |
| Return on assets (ROA) | 0.4581% | 5,043 |
| Pretax return on assets | 0.5892% | 4,981 |
| Return on Equity (ROE) | 4.4678% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.4678% | 3,555 |
| Net charge-offs to loans | 0.3912% | 1,478 |
| Credit loss provision to net charge-offs | 59.5668% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.9314% | 2,895 |
| Efficiency ratio | 83.4896% | 1,835 |
| Assets per employee ($millions) | 3.9903% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,907 |
| Loan loss allowance to noncurrent loans | 55.8688% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 5.9374% | 538 |
| Noncurrent loans to loans | 2.2507% | 2,330 |
| Net loans and leases to total assets | 62.5319% | 2,962 |
| Net loans and leases to deposits | 74.2395% | 2,889 |
| Net loans and leases to core deposits | 76.6488% | 3,239 |
| Total domestic deposits to total assets | 84.2300% | 4,379 |
| Equity capital to assets | 10.1943% | 3,912 |
| Core capital (leverage) ratio | 8.9122% | 5,039 |
| Tier 1 risk-based capital ratio | 12.3969% | 5,647 |
| Total risk-based capital ratio | 13.5353% | 5,685 |
| Memoranda: | ||
| Average total assets | $439,244,500 | 1,532 |
| Average earning assets | $385,113,000 | 1,593 |
| Average equity | $45,033,500 | 1,590 |
| Average total loans | $283,266,500 | 1,497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 2,604 |
| Cost of funding earning assets | 0.7833% | 2,800 |
| Net interest margin | 3.9143% | 2,765 |
| Noninterest income to average assets | 0.4439% | 4,294 |
| Noninterest expense to average assets | 3.9641% | 1,015 |
| Loan and lease loss provision to assets | 0.2084% | 3,060 |
| Net operating income to assets | -0.2969% | 6,435 |
| Return on assets (ROA) | 0.2077% | 5,944 |
| Pretax return on assets | 0.2154% | 5,970 |
| Return on Equity (ROE) | 2.0629% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.0629% | 4,772 |
| Net charge-offs to loans | 0.9710% | 1,132 |
| Credit loss provision to net charge-offs | 32.5590% | 5,075 |
| Earnings coverage of net charge-offs (x) | -0.1591% | 5,558 |
| Efficiency ratio | 101.8668% | 495 |
| Assets per employee ($millions) | 3.8890% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,768 |
| Loan loss allowance to noncurrent loans | 40.5008% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 6.4707% | 511 |
| Noncurrent loans to loans | 3.1412% | 1,641 |
| Net loans and leases to total assets | 64.8349% | 2,752 |
| Net loans and leases to deposits | 76.9112% | 2,672 |
| Net loans and leases to core deposits | 79.3523% | 3,100 |
| Total domestic deposits to total assets | 84.2983% | 4,183 |
| Equity capital to assets | 10.3117% | 3,742 |
| Core capital (leverage) ratio | 8.7701% | 5,228 |
| Tier 1 risk-based capital ratio | 12.1779% | 5,667 |
| Total risk-based capital ratio | 13.3517% | 5,684 |
| Memoranda: | ||
| Average total assets | $443,838,800 | 1,483 |
| Average earning assets | $387,601,000 | 1,549 |
| Average equity | $44,695,000 | 1,559 |
| Average total loans | $292,598,200 | 1,434 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,655 |
| Cost of funding earning assets | 0.8209% | 2,767 |
| Net interest margin | 3.9124% | 2,871 |
| Noninterest income to average assets | 0.3403% | 5,085 |
| Noninterest expense to average assets | 3.8853% | 1,080 |
| Loan and lease loss provision to assets | 0.1794% | 3,344 |
| Net operating income to assets | -0.2399% | 6,521 |
| Return on assets (ROA) | 0.2724% | 5,899 |
| Pretax return on assets | 0.3552% | 5,825 |
| Return on Equity (ROE) | 2.7210% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.7210% | 4,919 |
| Net charge-offs to loans | 1.1061% | 917 |
| Credit loss provision to net charge-offs | 24.5801% | 4,891 |
| Earnings coverage of net charge-offs (x) | -0.1790% | 5,403 |
| Efficiency ratio | 102.6917% | 456 |
| Assets per employee ($millions) | 3.9566% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,836 |
| Loan loss allowance to noncurrent loans | 28.3858% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 7.2342% | 487 |
| Noncurrent loans to loans | 4.5617% | 1,029 |
| Net loans and leases to total assets | 63.8860% | 3,041 |
| Net loans and leases to deposits | 75.7106% | 3,029 |
| Net loans and leases to core deposits | 78.1037% | 3,445 |
| Total domestic deposits to total assets | 84.3818% | 4,046 |
| Equity capital to assets | 10.1006% | 4,353 |
| Core capital (leverage) ratio | 8.4858% | 5,768 |
| Tier 1 risk-based capital ratio | 12.2179% | 5,824 |
| Total risk-based capital ratio | 13.4339% | 5,806 |
| Memoranda: | ||
| Average total assets | $445,907,250 | 1,493 |
| Average earning assets | $389,149,500 | 1,561 |
| Average equity | $44,640,250 | 1,581 |
| Average total loans | $294,238,500 | 1,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,784 |
| Cost of funding earning assets | 0.8558% | 2,748 |
| Net interest margin | 3.8774% | 3,010 |
| Noninterest income to average assets | 0.4727% | 4,112 |
| Noninterest expense to average assets | 3.7585% | 1,278 |
| Loan and lease loss provision to assets | 0.2144% | 2,929 |
| Net operating income to assets | -0.0882% | 6,421 |
| Return on assets (ROA) | 0.4252% | 5,360 |
| Pretax return on assets | 0.6293% | 5,031 |
| Return on Equity (ROE) | 4.2601% | 5,147 |
| Retained earnings to average equity (ytd only) | 4.2601% | 3,773 |
| Net charge-offs to loans | 1.2969% | 822 |
| Credit loss provision to net charge-offs | 24.8960% | 4,529 |
| Earnings coverage of net charge-offs (x) | 0.1029% | 5,029 |
| Efficiency ratio | 96.9284% | 661 |
| Assets per employee ($millions) | 4.4457% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 4,429 |
| Loan loss allowance to noncurrent loans | 23.9009% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 8.9255% | 345 |
| Noncurrent loans to loans | 5.8935% | 763 |
| Net loans and leases to total assets | 63.4375% | 3,157 |
| Net loans and leases to deposits | 74.6137% | 3,188 |
| Net loans and leases to core deposits | 77.1682% | 3,633 |
| Total domestic deposits to total assets | 85.0213% | 3,846 |
| Equity capital to assets | 9.8590% | 4,532 |
| Core capital (leverage) ratio | 8.7757% | 5,259 |
| Tier 1 risk-based capital ratio | 12.4387% | 5,615 |
| Total risk-based capital ratio | 13.6896% | 5,591 |
| Memoranda: | ||
| Average total assets | $446,828,330 | 1,495 |
| Average earning assets | $388,864,330 | 1,562 |
| Average equity | $44,600,330 | 1,565 |
| Average total loans | $296,711,000 | 1,432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 2,433 |
| Cost of funding earning assets | 0.8667% | 2,942 |
| Net interest margin | 3.9856% | 2,567 |
| Noninterest income to average assets | 0.8343% | 2,016 |
| Noninterest expense to average assets | 3.5841% | 1,594 |
| Loan and lease loss provision to assets | 0.0893% | 4,241 |
| Net operating income to assets | 0.4032% | 5,242 |
| Return on assets (ROA) | 0.7801% | 3,712 |
| Pretax return on assets | 1.2131% | 2,870 |
| Return on Equity (ROE) | 7.7671% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.7671% | 2,063 |
| Net charge-offs to loans | -0.0361% | 6,411 |
| Credit loss provision to net charge-offs | -366.6667% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7072% | 1,842 |
| Assets per employee ($millions) | 4.2694% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,543 |
| Loan loss allowance to noncurrent loans | 31.1578% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 9.3341% | 354 |
| Noncurrent loans to loans | 6.2372% | 784 |
| Net loans and leases to total assets | 64.5580% | 2,749 |
| Net loans and leases to deposits | 75.9007% | 2,808 |
| Net loans and leases to core deposits | 78.6779% | 3,232 |
| Total domestic deposits to total assets | 85.0559% | 4,010 |
| Equity capital to assets | 10.1228% | 3,956 |
| Core capital (leverage) ratio | 8.8596% | 5,049 |
| Tier 1 risk-based capital ratio | 12.4459% | 5,651 |
| Total risk-based capital ratio | 13.7032% | 5,609 |
| Memoranda: | ||
| Average total assets | $443,510,000 | 1,501 |
| Average earning assets | $385,391,000 | 1,573 |
| Average equity | $44,547,000 | 1,558 |
| Average total loans | $299,178,000 | 1,416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 2,374 |
| Cost of funding earning assets | 1.1515% | 2,344 |
| Net interest margin | 3.9685% | 3,024 |
| Noninterest income to average assets | 0.6185% | 3,068 |
| Noninterest expense to average assets | 5.5554% | 256 |
| Loan and lease loss provision to assets | 0.7581% | 1,323 |
| Net operating income to assets | -1.3473% | 6,871 |
| Return on assets (ROA) | -1.2986% | 6,877 |
| Pretax return on assets | -2.1942% | 7,063 |
| Return on Equity (ROE) | -11.6957% | 6,787 |
| Retained earnings to average equity (ytd only) | -11.6957% | 6,754 |
| Net charge-offs to loans | 1.3422% | 1,227 |
| Credit loss provision to net charge-offs | 78.4579% | 4,528 |
| Earnings coverage of net charge-offs (x) | -1.5651% | 6,255 |
| Efficiency ratio | 87.6573% | 1,387 |
| Assets per employee ($millions) | 4.2597% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 2,826 |
| Loan loss allowance to noncurrent loans | 26.6913% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 9.8148% | 345 |
| Noncurrent loans to loans | 6.8007% | 664 |
| Net loans and leases to total assets | 67.8260% | 2,436 |
| Net loans and leases to deposits | 79.9732% | 2,520 |
| Net loans and leases to core deposits | 83.9962% | 2,893 |
| Total domestic deposits to total assets | 84.8110% | 3,951 |
| Equity capital to assets | 9.9654% | 4,207 |
| Core capital (leverage) ratio | 8.5463% | 5,486 |
| Tier 1 risk-based capital ratio | 11.3669% | 6,248 |
| Total risk-based capital ratio | 12.6229% | 6,230 |
| Memoranda: | ||
| Average total assets | $436,240,200 | 1,495 |
| Average earning assets | $376,467,200 | 1,578 |
| Average equity | $48,436,600 | 1,411 |
| Average total loans | $314,035,400 | 1,349 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 2,431 |
| Cost of funding earning assets | 1.2146% | 2,230 |
| Net interest margin | 3.9241% | 3,252 |
| Noninterest income to average assets | 0.6446% | 2,919 |
| Noninterest expense to average assets | 3.5223% | 1,883 |
| Loan and lease loss provision to assets | 0.6541% | 1,493 |
| Net operating income to assets | -0.0597% | 6,236 |
| Return on assets (ROA) | 0.0055% | 6,246 |
| Pretax return on assets | -0.0488% | 6,279 |
| Return on Equity (ROE) | 0.0485% | 6,248 |
| Retained earnings to average equity (ytd only) | 0.0485% | 5,941 |
| Net charge-offs to loans | 1.3070% | 1,182 |
| Credit loss provision to net charge-offs | 68.8186% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.5297% | 5,234 |
| Efficiency ratio | 86.7388% | 1,457 |
| Assets per employee ($millions) | 4.2026% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,950 |
| Loan loss allowance to noncurrent loans | 27.6537% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 10.1372% | 350 |
| Noncurrent loans to loans | 6.5061% | 810 |
| Net loans and leases to total assets | 68.6460% | 2,341 |
| Net loans and leases to deposits | 82.2060% | 2,322 |
| Net loans and leases to core deposits | 85.9718% | 2,772 |
| Total domestic deposits to total assets | 83.5048% | 4,475 |
| Equity capital to assets | 11.4024% | 2,774 |
| Core capital (leverage) ratio | 8.8228% | 5,226 |
| Tier 1 risk-based capital ratio | 11.5280% | 6,228 |
| Total risk-based capital ratio | 12.7844% | 6,211 |
| Memoranda: | ||
| Average total assets | $434,549,250 | 1,509 |
| Average earning assets | $374,424,750 | 1,598 |
| Average equity | $49,509,000 | 1,380 |
| Average total loans | $316,037,500 | 1,359 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 2,597 |
| Cost of funding earning assets | 1.2611% | 2,179 |
| Net interest margin | 3.8567% | 3,502 |
| Noninterest income to average assets | 0.5949% | 3,176 |
| Noninterest expense to average assets | 3.3935% | 2,279 |
| Loan and lease loss provision to assets | 0.8333% | 1,090 |
| Net operating income to assets | -0.1528% | 6,418 |
| Return on assets (ROA) | -0.1383% | 6,444 |
| Pretax return on assets | -0.2725% | 6,512 |
| Return on Equity (ROE) | -1.2146% | 6,429 |
| Retained earnings to average equity (ytd only) | -1.2146% | 6,094 |
| Net charge-offs to loans | 1.5015% | 990 |
| Credit loss provision to net charge-offs | 75.3231% | 3,906 |
| Earnings coverage of net charge-offs (x) | 0.4865% | 4,944 |
| Efficiency ratio | 85.5384% | 1,645 |
| Assets per employee ($millions) | 4.1027% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,725 |
| Loan loss allowance to noncurrent loans | 25.5427% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 9.8416% | 405 |
| Noncurrent loans to loans | 7.3665% | 668 |
| Net loans and leases to total assets | 71.0685% | 1,987 |
| Net loans and leases to deposits | 85.3000% | 1,892 |
| Net loans and leases to core deposits | 89.2038% | 2,474 |
| Total domestic deposits to total assets | 83.3160% | 4,628 |
| Equity capital to assets | 11.4835% | 2,515 |
| Core capital (leverage) ratio | 8.7461% | 5,148 |
| Tier 1 risk-based capital ratio | 11.3620% | 6,277 |
| Total risk-based capital ratio | 12.6185% | 6,260 |
| Memoranda: | ||
| Average total assets | $433,708,000 | 1,528 |
| Average earning assets | $375,239,330 | 1,603 |
| Average equity | $49,399,670 | 1,367 |
| Average total loans | $319,540,000 | 1,353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 2,982 |
| Cost of funding earning assets | 1.2965% | 2,199 |
| Net interest margin | 3.7285% | 3,955 |
| Noninterest income to average assets | 0.8401% | 1,885 |
| Noninterest expense to average assets | 3.6225% | 1,718 |
| Loan and lease loss provision to assets | 0.7418% | 1,144 |
| Net operating income to assets | -0.1505% | 6,508 |
| Return on assets (ROA) | -0.1223% | 6,498 |
| Pretax return on assets | -0.2445% | 6,575 |
| Return on Equity (ROE) | -1.0777% | 6,492 |
| Retained earnings to average equity (ytd only) | -1.0777% | 6,000 |
| Net charge-offs to loans | 1.4983% | 912 |
| Credit loss provision to net charge-offs | 66.6391% | 3,423 |
| Earnings coverage of net charge-offs (x) | 0.4071% | 4,316 |
| Efficiency ratio | 88.1371% | 1,499 |
| Assets per employee ($millions) | 4.2516% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,571 |
| Loan loss allowance to noncurrent loans | 21.4904% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 10.4045% | 380 |
| Noncurrent loans to loans | 9.0191% | 493 |
| Net loans and leases to total assets | 69.3279% | 2,259 |
| Net loans and leases to deposits | 80.7655% | 2,560 |
| Net loans and leases to core deposits | 86.7863% | 2,761 |
| Total domestic deposits to total assets | 85.8385% | 3,619 |
| Equity capital to assets | 11.1506% | 2,540 |
| Core capital (leverage) ratio | 8.8089% | 4,913 |
| Tier 1 risk-based capital ratio | 11.3148% | 6,244 |
| Total risk-based capital ratio | 12.5723% | 6,219 |
| Memoranda: | ||
| Average total assets | $435,170,500 | 1,526 |
| Average earning assets | $377,636,000 | 1,604 |
| Average equity | $49,365,000 | 1,352 |
| Average total loans | $323,299,000 | 1,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 3,811 |
| Cost of funding earning assets | 1.7402% | 1,424 |
| Net interest margin | 3.4180% | 5,562 |
| Noninterest income to average assets | 0.5250% | 3,990 |
| Noninterest expense to average assets | 3.5006% | 2,177 |
| Loan and lease loss provision to assets | 1.4921% | 996 |
| Net operating income to assets | -0.8848% | 6,624 |
| Return on assets (ROA) | -0.8180% | 6,613 |
| Pretax return on assets | -1.3639% | 6,806 |
| Return on Equity (ROE) | -7.4729% | 6,582 |
| Retained earnings to average equity (ytd only) | -7.4729% | 6,489 |
| Net charge-offs to loans | 2.5340% | 739 |
| Credit loss provision to net charge-offs | 78.6164% | 5,608 |
| Earnings coverage of net charge-offs (x) | 0.0126% | 6,112 |
| Efficiency ratio | 98.5098% | 853 |
| Assets per employee ($millions) | 4.0779% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 2,456 |
| Loan loss allowance to noncurrent loans | 19.3700% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 10.9856% | 351 |
| Noncurrent loans to loans | 9.9899% | 426 |
| Net loans and leases to total assets | 76.4948% | 1,184 |
| Net loans and leases to deposits | 89.8892% | 1,538 |
| Net loans and leases to core deposits | 97.1340% | 1,876 |
| Total domestic deposits to total assets | 85.0989% | 3,797 |
| Equity capital to assets | 11.5434% | 2,226 |
| Core capital (leverage) ratio | 8.5887% | 5,212 |
| Tier 1 risk-based capital ratio | 10.7774% | 6,507 |
| Total risk-based capital ratio | 12.0352% | 6,470 |
| Memoranda: | ||
| Average total assets | $460,748,800 | 1,442 |
| Average earning assets | $404,330,400 | 1,502 |
| Average equity | $50,435,800 | 1,321 |
| Average total loans | $345,110,400 | 1,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 3,982 |
| Cost of funding earning assets | 1.8194% | 1,343 |
| Net interest margin | 3.3516% | 5,839 |
| Noninterest income to average assets | 0.5659% | 3,681 |
| Noninterest expense to average assets | 3.5223% | 1,984 |
| Loan and lease loss provision to assets | 1.5062% | 882 |
| Net operating income to assets | -0.9144% | 6,850 |
| Return on assets (ROA) | -0.8269% | 6,840 |
| Pretax return on assets | -1.3788% | 7,005 |
| Return on Equity (ROE) | -7.6492% | 6,820 |
| Retained earnings to average equity (ytd only) | -7.6492% | 6,749 |
| Net charge-offs to loans | 3.0990% | 482 |
| Credit loss provision to net charge-offs | 65.5083% | 5,550 |
| Earnings coverage of net charge-offs (x) | -0.0041% | 6,032 |
| Efficiency ratio | 99.4658% | 760 |
| Assets per employee ($millions) | 4.3848% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 3,446 |
| Loan loss allowance to noncurrent loans | 19.3097% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 9.0222% | 500 |
| Noncurrent loans to loans | 8.3880% | 596 |
| Net loans and leases to total assets | 72.4512% | 2,149 |
| Net loans and leases to deposits | 86.1458% | 2,305 |
| Net loans and leases to core deposits | 93.8622% | 2,541 |
| Total domestic deposits to total assets | 84.1030% | 4,058 |
| Equity capital to assets | 10.8319% | 3,136 |
| Core capital (leverage) ratio | 8.2079% | 6,022 |
| Tier 1 risk-based capital ratio | 10.8053% | 6,542 |
| Total risk-based capital ratio | 12.0592% | 6,523 |
| Memoranda: | ||
| Average total assets | $468,891,750 | 1,446 |
| Average earning assets | $412,285,500 | 1,500 |
| Average equity | $50,688,250 | 1,323 |
| Average total loans | $347,889,000 | 1,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 3,900 |
| Cost of funding earning assets | 1.8821% | 1,299 |
| Net interest margin | 3.3279% | 5,916 |
| Noninterest income to average assets | 0.5431% | 3,766 |
| Noninterest expense to average assets | 3.2595% | 2,695 |
| Loan and lease loss provision to assets | 0.9467% | 1,550 |
| Net operating income to assets | -0.4161% | 6,584 |
| Return on assets (ROA) | -0.4019% | 6,610 |
| Pretax return on assets | -0.7119% | 6,728 |
| Return on Equity (ROE) | -3.7203% | 6,594 |
| Retained earnings to average equity (ytd only) | -3.7203% | 6,407 |
| Net charge-offs to loans | 2.3588% | 737 |
| Credit loss provision to net charge-offs | 53.9636% | 5,340 |
| Earnings coverage of net charge-offs (x) | 0.1212% | 5,600 |
| Efficiency ratio | 93.0671% | 1,119 |
| Assets per employee ($millions) | 4.4259% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,398 |
| Loan loss allowance to noncurrent loans | 44.7801% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 6.5688% | 849 |
| Noncurrent loans to loans | 4.2561% | 1,749 |
| Net loans and leases to total assets | 68.6447% | 3,207 |
| Net loans and leases to deposits | 81.1947% | 3,400 |
| Net loans and leases to core deposits | 90.5696% | 3,179 |
| Total domestic deposits to total assets | 84.5433% | 3,848 |
| Equity capital to assets | 10.7751% | 3,098 |
| Core capital (leverage) ratio | 8.9286% | 4,710 |
| Tier 1 risk-based capital ratio | 11.6901% | 5,594 |
| Total risk-based capital ratio | 12.9468% | 5,549 |
| Memoranda: | ||
| Average total assets | $470,260,330 | 1,450 |
| Average earning assets | $413,899,000 | 1,493 |
| Average equity | $50,802,670 | 1,313 |
| Average total loans | $349,756,330 | 1,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2884% | 3,600 |
| Cost of funding earning assets | 1.9432% | 1,271 |
| Net interest margin | 3.3452% | 5,803 |
| Noninterest income to average assets | 0.4645% | 4,341 |
| Noninterest expense to average assets | 3.0738% | 3,373 |
| Loan and lease loss provision to assets | 0.5774% | 2,184 |
| Net operating income to assets | -0.1051% | 6,437 |
| Return on assets (ROA) | -0.1051% | 6,514 |
| Pretax return on assets | -0.2361% | 6,589 |
| Return on Equity (ROE) | -0.9719% | 6,524 |
| Retained earnings to average equity (ytd only) | -0.9719% | 6,041 |
| Net charge-offs to loans | 1.1994% | 1,420 |
| Credit loss provision to net charge-offs | 62.7929% | 4,245 |
| Earnings coverage of net charge-offs (x) | 0.3711% | 4,704 |
| Efficiency ratio | 89.1749% | 1,492 |
| Assets per employee ($millions) | 4.4958% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 1,652 |
| Loan loss allowance to noncurrent loans | 43.4492% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 6.5940% | 856 |
| Noncurrent loans to loans | 5.1912% | 1,380 |
| Net loans and leases to total assets | 72.8521% | 2,243 |
| Net loans and leases to deposits | 86.6856% | 2,470 |
| Net loans and leases to core deposits | 97.1170% | 2,446 |
| Total domestic deposits to total assets | 84.0417% | 4,127 |
| Equity capital to assets | 11.0848% | 2,690 |
| Core capital (leverage) ratio | 9.3204% | 4,017 |
| Tier 1 risk-based capital ratio | 11.3779% | 5,789 |
| Total risk-based capital ratio | 12.6414% | 5,746 |
| Memoranda: | ||
| Average total assets | $464,180,500 | 1,510 |
| Average earning assets | $409,427,500 | 1,553 |
| Average equity | $50,213,500 | 1,330 |
| Average total loans | $355,839,500 | 1,331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 2,846 |
| Cost of funding earning assets | 2.4716% | 1,089 |
| Net interest margin | 3.2826% | 5,809 |
| Noninterest income to average assets | 0.2987% | 5,961 |
| Noninterest expense to average assets | 3.1194% | 3,650 |
| Loan and lease loss provision to assets | 2.0775% | 1,019 |
| Net operating income to assets | -1.2320% | 6,724 |
| Return on assets (ROA) | -1.2004% | 6,708 |
| Pretax return on assets | -1.9478% | 6,925 |
| Return on Equity (ROE) | -10.6801% | 6,668 |
| Retained earnings to average equity (ytd only) | -10.6801% | 6,566 |
| Net charge-offs to loans | 1.6510% | 1,534 |
| Credit loss provision to net charge-offs | 160.9876% | 2,761 |
| Earnings coverage of net charge-offs (x) | 0.0623% | 6,104 |
| Efficiency ratio | 96.5850% | 1,289 |
| Assets per employee ($millions) | 4.7041% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3158% | 1,458 |
| Loan loss allowance to noncurrent loans | 68.9304% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 4.8424% | 1,290 |
| Noncurrent loans to loans | 3.3596% | 2,270 |
| Net loans and leases to total assets | 77.0335% | 1,573 |
| Net loans and leases to deposits | 91.2838% | 2,001 |
| Net loans and leases to core deposits | 112.9149% | 2,607 |
| Total domestic deposits to total assets | 84.3890% | 3,850 |
| Equity capital to assets | 10.5413% | 3,141 |
| Core capital (leverage) ratio | 8.2263% | 5,766 |
| Tier 1 risk-based capital ratio | 10.0833% | 6,799 |
| Total risk-based capital ratio | 11.3459% | 6,756 |
| Memoranda: | ||
| Average total assets | $456,665,200 | 1,513 |
| Average earning assets | $403,586,400 | 1,572 |
| Average equity | $51,329,200 | 1,304 |
| Average total loans | $356,929,800 | 1,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 2,805 |
| Cost of funding earning assets | 2.5485% | 1,159 |
| Net interest margin | 3.2708% | 5,749 |
| Noninterest income to average assets | 0.2259% | 6,616 |
| Noninterest expense to average assets | 3.0224% | 3,960 |
| Loan and lease loss provision to assets | 2.2147% | 780 |
| Net operating income to assets | -1.3840% | 7,057 |
| Return on assets (ROA) | -1.3413% | 7,031 |
| Pretax return on assets | -2.0544% | 7,209 |
| Return on Equity (ROE) | -11.7509% | 7,007 |
| Retained earnings to average equity (ytd only) | -11.7509% | 6,935 |
| Net charge-offs to loans | 1.6646% | 1,218 |
| Credit loss provision to net charge-offs | 170.6094% | 2,729 |
| Earnings coverage of net charge-offs (x) | 0.0729% | 5,973 |
| Efficiency ratio | 96.0386% | 1,274 |
| Assets per employee ($millions) | 4.8561% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 1,414 |
| Loan loss allowance to noncurrent loans | 63.0118% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 4.6301% | 1,302 |
| Noncurrent loans to loans | 3.4962% | 2,139 |
| Net loans and leases to total assets | 75.0278% | 2,239 |
| Net loans and leases to deposits | 88.6086% | 2,851 |
| Net loans and leases to core deposits | 109.9726% | 3,241 |
| Total domestic deposits to total assets | 84.6733% | 3,392 |
| Equity capital to assets | 10.5441% | 3,462 |
| Core capital (leverage) ratio | 8.7394% | 5,064 |
| Tier 1 risk-based capital ratio | 10.1788% | 6,804 |
| Total risk-based capital ratio | 11.4388% | 6,730 |
| Memoranda: | ||
| Average total assets | $456,756,750 | 1,528 |
| Average earning assets | $403,725,000 | 1,585 |
| Average equity | $52,136,500 | 1,290 |
| Average total loans | $356,203,250 | 1,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 2,567 |
| Cost of funding earning assets | 2.6663% | 1,121 |
| Net interest margin | 3.2370% | 5,782 |
| Noninterest income to average assets | 0.6234% | 3,509 |
| Noninterest expense to average assets | 2.9827% | 4,153 |
| Loan and lease loss provision to assets | 0.9202% | 1,832 |
| Net operating income to assets | -0.2650% | 6,278 |
| Return on assets (ROA) | -0.2015% | 6,214 |
| Pretax return on assets | -0.3267% | 6,262 |
| Return on Equity (ROE) | -1.7203% | 6,176 |
| Retained earnings to average equity (ytd only) | -1.7203% | 5,672 |
| Net charge-offs to loans | 1.2802% | 1,448 |
| Credit loss provision to net charge-offs | 91.6557% | 4,873 |
| Earnings coverage of net charge-offs (x) | 0.4923% | 5,209 |
| Efficiency ratio | 84.9480% | 2,370 |
| Assets per employee ($millions) | 4.6237% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,544 |
| Loan loss allowance to noncurrent loans | 41.6080% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 4.8638% | 1,116 |
| Noncurrent loans to loans | 3.0267% | 2,384 |
| Net loans and leases to total assets | 77.9179% | 1,760 |
| Net loans and leases to deposits | 93.3930% | 2,192 |
| Net loans and leases to core deposits | 118.3505% | 2,516 |
| Total domestic deposits to total assets | 83.4301% | 4,049 |
| Equity capital to assets | 11.5291% | 2,523 |
| Core capital (leverage) ratio | 9.4553% | 3,950 |
| Tier 1 risk-based capital ratio | 11.0119% | 5,860 |
| Total risk-based capital ratio | 12.1776% | 5,896 |
| Memoranda: | ||
| Average total assets | $453,613,670 | 1,558 |
| Average earning assets | $399,876,670 | 1,624 |
| Average equity | $53,130,330 | 1,275 |
| Average total loans | $355,721,670 | 1,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 2,541 |
| Cost of funding earning assets | 2.7182% | 1,217 |
| Net interest margin | 3.2372% | 5,730 |
| Noninterest income to average assets | 0.5944% | 3,585 |
| Noninterest expense to average assets | 2.9419% | 4,006 |
| Loan and lease loss provision to assets | 0.4642% | 2,615 |
| Net operating income to assets | 0.0328% | 6,178 |
| Return on assets (ROA) | 0.0328% | 6,330 |
| Pretax return on assets | 0.0283% | 6,324 |
| Return on Equity (ROE) | 0.2776% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.2776% | 5,544 |
| Net charge-offs to loans | 0.5020% | 2,208 |
| Credit loss provision to net charge-offs | 118.2844% | 3,313 |
| Earnings coverage of net charge-offs (x) | 1.2551% | 4,117 |
| Efficiency ratio | 84.8078% | 2,210 |
| Assets per employee ($millions) | 4.6951% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,769 |
| Loan loss allowance to noncurrent loans | 61.6211% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.8805% | 1,349 |
| Noncurrent loans to loans | 2.1981% | 2,980 |
| Net loans and leases to total assets | 76.2907% | 2,210 |
| Net loans and leases to deposits | 90.9255% | 2,786 |
| Net loans and leases to core deposits | 116.0868% | 2,795 |
| Total domestic deposits to total assets | 83.9046% | 3,750 |
| Equity capital to assets | 11.5872% | 2,535 |
| Core capital (leverage) ratio | 9.9061% | 3,511 |
| Tier 1 risk-based capital ratio | 11.3304% | 5,569 |
| Total risk-based capital ratio | 12.5805% | 5,483 |
| Memoranda: | ||
| Average total assets | $451,547,000 | 1,571 |
| Average earning assets | $396,144,000 | 1,648 |
| Average equity | $53,308,500 | 1,268 |
| Average total loans | $352,974,500 | 1,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7426% | 1,894 |
| Cost of funding earning assets | 3.0065% | 1,850 |
| Net interest margin | 3.7362% | 4,300 |
| Noninterest income to average assets | 0.6986% | 3,132 |
| Noninterest expense to average assets | 3.1466% | 3,528 |
| Loan and lease loss provision to assets | 0.2798% | 4,156 |
| Net operating income to assets | 0.3846% | 5,212 |
| Return on assets (ROA) | 0.3846% | 5,026 |
| Pretax return on assets | 0.5639% | 4,798 |
| Return on Equity (ROE) | 3.2687% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.2687% | 3,122 |
| Net charge-offs to loans | 1.6822% | 659 |
| Credit loss provision to net charge-offs | 20.6285% | 6,576 |
| Earnings coverage of net charge-offs (x) | 0.6220% | 5,850 |
| Efficiency ratio | 78.3021% | 2,871 |
| Assets per employee ($millions) | 4.4298% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 3,459 |
| Loan loss allowance to noncurrent loans | 90.6812% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 3.7122% | 1,164 |
| Noncurrent loans to loans | 1.4927% | 3,562 |
| Net loans and leases to total assets | 77.9642% | 2,149 |
| Net loans and leases to deposits | 96.3385% | 2,395 |
| Net loans and leases to core deposits | 119.3612% | 2,753 |
| Total domestic deposits to total assets | 80.9274% | 4,673 |
| Equity capital to assets | 12.0327% | 2,269 |
| Core capital (leverage) ratio | 10.4158% | 3,055 |
| Tier 1 risk-based capital ratio | 11.5235% | 5,218 |
| Total risk-based capital ratio | 12.7736% | 5,113 |
| Memoranda: | ||
| Average total assets | $398,808,200 | 1,704 |
| Average earning assets | $351,375,400 | 1,765 |
| Average equity | $46,929,400 | 1,453 |
| Average total loans | $321,594,400 | 1,506 |