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The F&M Bank & Trust Company, Performance and Condition Ratios

2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4893%5,453
Cost of funding earning assets0.3264%4,777
Net interest margin3.1629%5,044
Noninterest income to average assets-0.1277%6,669
Noninterest expense to average assets10.2155%71
Loan and lease loss provision to assets1.6059%52
Net operating income to assets-5.6142%6,715
Return on assets (ROA)-5.6783%6,716
Pretax return on assets-9.0925%6,723
Return on Equity (ROE)-78.5712%6,709
Retained earnings to average equity (ytd only)-168.0016%6,721
Net charge-offs to loans-0.0562%5,855
Credit loss provision to net charge-offs-4,062.6016%5,579
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio361.0985%9
Assets per employee ($millions)6.8962%840
Cash dividends to net income (ytd only)*-113.8208%6,704
Condition Ratios (%)
Loss allowance to loans1.9745%1,564
Loan loss allowance to noncurrent loans100.3685%3,598
Noncurrent assets plus other real estate owned to assets1.4678%2,416
Noncurrent loans to loans1.9673%1,904
Net loans and leases to total assets70.5832%1,788
Net loans and leases to deposits75.1733%2,922
Net loans and leases to core deposits102.7146%945
Total domestic deposits to total assets93.8940%65
Equity capital to assets6.0158%6,566
Core capital (leverage) ratio6.0198%6,587
Tier 1 risk-based capital ratio7.6200%6,637
Total risk-based capital ratio8.8766%6,638
Memoranda:
Average total assets$2,489,356,500300
Average earning assets$2,327,117,500289
Average equity$179,903,000436
Average total loans$1,749,692,000286
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1445%3,561
Cost of funding earning assets0.3861%4,790
Net interest margin3.7584%2,810
Noninterest income to average assets0.5014%3,749
Noninterest expense to average assets3.3491%2,004
Loan and lease loss provision to assets0.0144%4,840
Net operating income to assets0.3802%5,219
Return on assets (ROA)0.3804%5,335
Pretax return on assets0.6541%4,688
Return on Equity (ROE)4.4188%4,928
Retained earnings to average equity (ytd only)0.5971%5,568
Net charge-offs to loans0.0740%4,175
Credit loss provision to net charge-offs25.3807%4,341
Earnings coverage of net charge-offs (x)11.7803%2,199
Efficiency ratio83.3685%1,705
Assets per employee ($millions)6.8039%849
Cash dividends to net income (ytd only)*86.4865%733
Condition Ratios (%)
Loss allowance to loans1.3668%3,811
Loan loss allowance to noncurrent loans98.1892%3,661
Noncurrent assets plus other real estate owned to assets1.0841%3,239
Noncurrent loans to loans1.3921%2,808
Net loans and leases to total assets67.7316%2,402
Net loans and leases to deposits74.4636%3,195
Net loans and leases to core deposits102.6288%995
Total domestic deposits to total assets90.9594%587
Equity capital to assets8.3665%5,721
Core capital (leverage) ratio8.8692%5,184
Tier 1 risk-based capital ratio10.8443%6,246
Total risk-based capital ratio12.0604%6,208
Memoranda:
Average total assets$2,431,455,400302
Average earning assets$2,274,461,400290
Average equity$209,334,800372
Average total loans$1,862,907,600267
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2613%3,154
Cost of funding earning assets0.4010%4,813
Net interest margin3.8603%2,420
Noninterest income to average assets0.5289%3,599
Noninterest expense to average assets3.5336%1,539
Loan and lease loss provision to assets0.0195%4,618
Net operating income to assets0.3663%5,381
Return on assets (ROA)0.3667%5,518
Pretax return on assets0.5826%5,086
Return on Equity (ROE)4.2271%5,120
Retained earnings to average equity (ytd only)0.3814%5,817
Net charge-offs to loans0.1240%3,296
Credit loss provision to net charge-offs19.9317%4,078
Earnings coverage of net charge-offs (x)6.1606%3,028
Efficiency ratio85.4542%1,420
Assets per employee ($millions)6.2322%1,093
Cash dividends to net income (ytd only)*90.9780%548
Condition Ratios (%)
Loss allowance to loans1.2593%4,599
Loan loss allowance to noncurrent loans288.8009%1,423
Noncurrent assets plus other real estate owned to assets0.4672%5,030
Noncurrent loans to loans0.4360%5,109
Net loans and leases to total assets75.2972%1,102
Net loans and leases to deposits83.0375%1,993
Net loans and leases to core deposits109.3417%606
Total domestic deposits to total assets90.6785%668
Equity capital to assets8.5301%5,706
Core capital (leverage) ratio8.6537%5,598
Tier 1 risk-based capital ratio10.2326%6,527
Total risk-based capital ratio11.3763%6,538
Memoranda:
Average total assets$2,398,056,250304
Average earning assets$2,240,172,250295
Average equity$208,017,000373
Average total loans$1,888,277,500264
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2913%2,989
Cost of funding earning assets0.4106%4,856
Net interest margin3.8807%2,271
Noninterest income to average assets0.5651%3,413
Noninterest expense to average assets3.1556%2,494
Loan and lease loss provision to assets0.0295%4,337
Net operating income to assets0.6344%4,135
Return on assets (ROA)0.6344%4,284
Pretax return on assets1.0059%3,485
Return on Equity (ROE)7.2718%3,457
Retained earnings to average equity (ytd only)3.4105%4,147
Net charge-offs to loans0.1844%2,651
Credit loss provision to net charge-offs20.0803%3,734
Earnings coverage of net charge-offs (x)7.0534%2,606
Efficiency ratio75.2949%2,897
Assets per employee ($millions)5.8237%1,334
Cash dividends to net income (ytd only)*53.0997%1,735
Condition Ratios (%)
Loss allowance to loans1.2479%4,739
Loan loss allowance to noncurrent loans232.7901%1,745
Noncurrent assets plus other real estate owned to assets0.5550%4,869
Noncurrent loans to loans0.5361%4,921
Net loans and leases to total assets77.0827%860
Net loans and leases to deposits84.9373%1,694
Net loans and leases to core deposits113.9544%434
Total domestic deposits to total assets90.7524%646
Equity capital to assets8.6896%5,564
Core capital (leverage) ratio8.9422%5,085
Tier 1 risk-based capital ratio10.1573%6,598
Total risk-based capital ratio11.2871%6,603
Memoranda:
Average total assets$2,374,762,670311
Average earning assets$2,218,813,330297
Average equity$207,183,670373
Average total loans$1,890,374,670266
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3136%2,838
Cost of funding earning assets0.4164%4,946
Net interest margin3.8973%2,128
Noninterest income to average assets0.5984%3,149
Noninterest expense to average assets3.1819%2,413
Loan and lease loss provision to assets0.0426%3,889
Net operating income to assets0.6393%4,023
Return on assets (ROA)0.6393%4,184
Pretax return on assets1.0076%3,313
Return on Equity (ROE)7.3128%3,322
Retained earnings to average equity (ytd only)3.4106%4,208
Net charge-offs to loans0.1504%2,499
Credit loss provision to net charge-offs35.2609%2,812
Earnings coverage of net charge-offs (x)8.6841%1,923
Efficiency ratio75.1844%3,065
Assets per employee ($millions)6.1676%1,156
Cash dividends to net income (ytd only)*53.3618%1,481
Condition Ratios (%)
Loss allowance to loans1.3063%4,662
Loan loss allowance to noncurrent loans200.1624%1,902
Noncurrent assets plus other real estate owned to assets0.6685%4,704
Noncurrent loans to loans0.6526%4,819
Net loans and leases to total assets78.2140%589
Net loans and leases to deposits86.5580%1,284
Net loans and leases to core deposits117.5820%315
Total domestic deposits to total assets90.3602%845
Equity capital to assets8.6995%5,810
Core capital (leverage) ratio9.1411%4,649
Tier 1 risk-based capital ratio10.0729%6,677
Total risk-based capital ratio11.2523%6,682
Memoranda:
Average total assets$2,344,994,000317
Average earning assets$2,186,462,500306
Average equity$205,009,500380
Average total loans$1,885,494,500266
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4723%3,514
Cost of funding earning assets0.4855%5,316
Net interest margin3.9868%2,450
Noninterest income to average assets0.6912%2,766
Noninterest expense to average assets2.8993%3,646
Loan and lease loss provision to assets0.5121%1,146
Net operating income to assets0.6699%3,884
Return on assets (ROA)0.6816%4,093
Pretax return on assets1.0157%3,494
Return on Equity (ROE)7.5159%3,333
Retained earnings to average equity (ytd only)7.5159%1,329
Net charge-offs to loans0.3057%3,116
Credit loss provision to net charge-offs214.1973%1,186
Earnings coverage of net charge-offs (x)6.3176%2,833
Efficiency ratio65.7473%4,553
Assets per employee ($millions)6.0138%1,266
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.3323%4,485
Loan loss allowance to noncurrent loans196.7631%1,868
Noncurrent assets plus other real estate owned to assets0.7162%4,689
Noncurrent loans to loans0.6771%4,844
Net loans and leases to total assets80.5095%424
Net loans and leases to deposits89.5521%1,117
Net loans and leases to core deposits119.1183%301
Total domestic deposits to total assets89.9024%1,006
Equity capital to assets8.7867%5,757
Core capital (leverage) ratio9.2717%4,466
Tier 1 risk-based capital ratio10.0143%6,698
Total risk-based capital ratio11.2328%6,674
Memoranda:
Average total assets$2,162,387,800330
Average earning assets$2,016,900,200317
Average equity$196,090,800382
Average total loans$1,691,185,000280
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4426%3,869
Cost of funding earning assets0.5023%5,420
Net interest margin3.9402%2,754
Noninterest income to average assets0.7175%2,629
Noninterest expense to average assets2.9593%3,372
Loan and lease loss provision to assets0.5501%1,057
Net operating income to assets0.5684%4,529
Return on assets (ROA)0.5770%4,763
Pretax return on assets0.9012%4,092
Return on Equity (ROE)6.3096%4,171
Retained earnings to average equity (ytd only)6.3096%2,479
Net charge-offs to loans0.3816%2,569
Credit loss provision to net charge-offs186.5164%1,483
Earnings coverage of net charge-offs (x)4.8756%3,173
Efficiency ratio67.2986%4,210
Assets per employee ($millions)5.8804%1,319
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.2961%4,832
Loan loss allowance to noncurrent loans125.8056%2,663
Noncurrent assets plus other real estate owned to assets0.9906%4,300
Noncurrent loans to loans1.0303%4,391
Net loans and leases to total assets80.1430%497
Net loans and leases to deposits89.1147%1,245
Net loans and leases to core deposits119.4357%324
Total domestic deposits to total assets89.9324%886
Equity capital to assets9.0430%5,787
Core capital (leverage) ratio9.2436%4,686
Tier 1 risk-based capital ratio10.1803%6,758
Total risk-based capital ratio11.3524%6,751
Memoranda:
Average total assets$2,125,656,750340
Average earning assets$1,985,107,750322
Average equity$194,385,500383
Average total loans$1,642,901,000286
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2725%4,674
Cost of funding earning assets0.5127%5,533
Net interest margin3.7598%3,542
Noninterest income to average assets0.6934%2,708
Noninterest expense to average assets2.9851%3,317
Loan and lease loss provision to assets0.4534%1,411
Net operating income to assets0.4881%4,875
Return on assets (ROA)0.5011%5,069
Pretax return on assets0.7817%4,540
Return on Equity (ROE)5.4588%4,603
Retained earnings to average equity (ytd only)5.4588%3,014
Net charge-offs to loans0.2343%3,167
Credit loss provision to net charge-offs254.9062%1,126
Earnings coverage of net charge-offs (x)6.8300%2,572
Efficiency ratio71.0763%3,587
Assets per employee ($millions)6.3662%1,027
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.2729%5,022
Loan loss allowance to noncurrent loans112.6811%2,881
Noncurrent assets plus other real estate owned to assets1.1315%4,129
Noncurrent loans to loans1.1297%4,269
Net loans and leases to total assets80.0968%500
Net loans and leases to deposits88.8540%1,273
Net loans and leases to core deposits121.0349%295
Total domestic deposits to total assets90.1442%844
Equity capital to assets9.1323%5,549
Core capital (leverage) ratio9.3717%4,338
Tier 1 risk-based capital ratio10.2576%6,762
Total risk-based capital ratio11.4011%6,770
Memoranda:
Average total assets$2,097,201,000343
Average earning assets$1,955,921,330327
Average equity$192,533,330381
Average total loans$1,592,117,670289
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1376%5,332
Cost of funding earning assets0.5222%5,663
Net interest margin3.6153%4,201
Noninterest income to average assets0.7038%2,643
Noninterest expense to average assets2.9474%3,457
Loan and lease loss provision to assets0.3456%1,809
Net operating income to assets0.4811%4,906
Return on assets (ROA)0.4811%5,104
Pretax return on assets0.7851%4,473
Return on Equity (ROE)5.2258%4,679
Retained earnings to average equity (ytd only)5.2258%3,419
Net charge-offs to loans0.5275%1,770
Credit loss provision to net charge-offs89.4763%2,553
Earnings coverage of net charge-offs (x)2.9272%3,011
Efficiency ratio72.2742%3,383
Assets per employee ($millions)6.5022%978
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2263%5,372
Loan loss allowance to noncurrent loans86.1498%3,461
Noncurrent assets plus other real estate owned to assets1.2194%4,099
Noncurrent loans to loans1.4235%3,975
Net loans and leases to total assets71.4999%1,483
Net loans and leases to deposits79.2337%2,308
Net loans and leases to core deposits107.2162%634
Total domestic deposits to total assets90.2393%948
Equity capital to assets8.9972%5,497
Core capital (leverage) ratio9.4507%4,116
Tier 1 risk-based capital ratio10.8258%6,611
Total risk-based capital ratio11.8974%6,678
Memoranda:
Average total assets$2,076,274,500340
Average earning assets$1,937,852,500325
Average equity$191,127,500377
Average total loans$1,520,475,000300
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2513%5,911
Cost of funding earning assets0.6151%6,013
Net interest margin3.6363%4,586
Noninterest income to average assets0.8007%2,055
Noninterest expense to average assets3.2344%2,748
Loan and lease loss provision to assets1.6730%410
Net operating income to assets-0.4245%6,435
Return on assets (ROA)-0.3823%6,451
Pretax return on assets-0.6778%6,590
Return on Equity (ROE)-4.3757%6,495
Retained earnings to average equity (ytd only)-6.6774%6,552
Net charge-offs to loans1.7930%824
Credit loss provision to net charge-offs128.3541%2,413
Earnings coverage of net charge-offs (x)0.7321%5,258
Efficiency ratio77.2182%2,709
Assets per employee ($millions)6.2140%1,094
Cash dividends to net income (ytd only)*-52.6008%7,313
Condition Ratios (%)
Loss allowance to loans1.2866%4,984
Loan loss allowance to noncurrent loans67.0543%4,170
Noncurrent assets plus other real estate owned to assets1.6161%3,532
Noncurrent loans to loans1.9187%3,318
Net loans and leases to total assets73.1733%1,419
Net loans and leases to deposits81.5964%2,257
Net loans and leases to core deposits108.5853%673
Total domestic deposits to total assets89.6770%1,167
Equity capital to assets9.4264%4,992
Core capital (leverage) ratio9.6910%3,756
Tier 1 risk-based capital ratio11.5367%6,141
Total risk-based capital ratio12.7065%6,176
Memoranda:
Average total assets$1,790,407,200376
Average earning assets$1,668,155,400360
Average equity$156,408,200450
Average total loans$1,301,546,400335
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2645%6,047
Cost of funding earning assets0.6297%6,133
Net interest margin3.6349%4,638
Noninterest income to average assets0.8402%1,874
Noninterest expense to average assets3.0194%3,486
Loan and lease loss provision to assets1.5880%414
Net operating income to assets-0.2750%6,461
Return on assets (ROA)-0.3144%6,564
Pretax return on assets-0.4187%6,579
Return on Equity (ROE)-3.6839%6,608
Retained earnings to average equity (ytd only)-6.9257%6,701
Net charge-offs to loans1.9195%677
Credit loss provision to net charge-offs114.4590%2,854
Earnings coverage of net charge-offs (x)0.8680%4,967
Efficiency ratio71.4865%3,654
Assets per employee ($millions)6.4489%969
Cash dividends to net income (ytd only)*-87.9980%7,400
Condition Ratios (%)
Loss allowance to loans1.1300%5,768
Loan loss allowance to noncurrent loans120.6160%2,489
Noncurrent assets plus other real estate owned to assets0.8950%4,944
Noncurrent loans to loans0.9369%5,007
Net loans and leases to total assets67.5876%2,559
Net loans and leases to deposits78.2176%2,940
Net loans and leases to core deposits101.2118%1,143
Total domestic deposits to total assets86.4098%2,980
Equity capital to assets9.8281%4,587
Core capital (leverage) ratio10.5448%2,816
Tier 1 risk-based capital ratio12.8868%5,179
Total risk-based capital ratio13.9050%5,350
Memoranda:
Average total assets$1,734,675,250386
Average earning assets$1,614,764,750370
Average equity$148,063,750481
Average total loans$1,253,827,000344
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3868%5,742
Cost of funding earning assets0.6415%6,266
Net interest margin3.7454%4,055
Noninterest income to average assets0.9826%1,370
Noninterest expense to average assets3.0955%3,274
Loan and lease loss provision to assets0.5549%1,742
Net operating income to assets0.5170%4,428
Return on assets (ROA)0.4597%4,808
Pretax return on assets0.7553%4,193
Return on Equity (ROE)5.7286%4,094
Retained earnings to average equity (ytd only)1.5175%5,222
Net charge-offs to loans0.5079%2,579
Credit loss provision to net charge-offs147.9884%2,064
Earnings coverage of net charge-offs (x)3.6537%3,093
Efficiency ratio69.3206%4,256
Assets per employee ($millions)6.0023%1,186
Cash dividends to net income (ytd only)*73.5101%952
Condition Ratios (%)
Loss allowance to loans1.0639%6,081
Loan loss allowance to noncurrent loans53.1754%4,829
Noncurrent assets plus other real estate owned to assets1.8393%3,454
Noncurrent loans to loans2.0007%3,478
Net loans and leases to total assets75.9824%1,075
Net loans and leases to deposits83.0998%2,256
Net loans and leases to core deposits108.4902%783
Total domestic deposits to total assets91.4352%359
Equity capital to assets7.7564%6,832
Core capital (leverage) ratio7.8416%6,467
Tier 1 risk-based capital ratio8.8998%7,187
Total risk-based capital ratio9.8443%7,209
Memoranda:
Average total assets$1,657,265,670406
Average earning assets$1,541,108,000393
Average equity$132,981,670524
Average total loans$1,223,576,670357
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3827%5,748
Cost of funding earning assets0.6382%6,436
Net interest margin3.7445%3,869
Noninterest income to average assets0.9125%1,619
Noninterest expense to average assets2.9357%3,916
Loan and lease loss provision to assets0.6621%1,292
Net operating income to assets0.5231%4,391
Return on assets (ROA)0.5279%4,450
Pretax return on assets0.8157%3,844
Return on Equity (ROE)6.4645%3,646
Retained earnings to average equity (ytd only)2.2433%4,800
Net charge-offs to loans0.4750%2,286
Credit loss provision to net charge-offs192.8981%1,534
Earnings coverage of net charge-offs (x)4.2403%2,536
Efficiency ratio66.8554%4,885
Assets per employee ($millions)6.1653%1,097
Cash dividends to net income (ytd only)*65.2985%1,128
Condition Ratios (%)
Loss allowance to loans1.1442%5,873
Loan loss allowance to noncurrent loans48.7051%5,072
Noncurrent assets plus other real estate owned to assets1.9100%3,428
Noncurrent loans to loans2.3492%3,139
Net loans and leases to total assets70.7265%1,976
Net loans and leases to deposits77.5624%3,143
Net loans and leases to core deposits99.7222%1,362
Total domestic deposits to total assets91.1867%539
Equity capital to assets7.8285%6,656
Core capital (leverage) ratio8.2372%5,925
Tier 1 risk-based capital ratio9.4033%7,170
Total risk-based capital ratio10.3945%7,210
Memoranda:
Average total assets$1,624,569,000419
Average earning assets$1,509,202,500398
Average equity$132,664,000523
Average total loans$1,173,868,500378
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4227%6,572
Cost of funding earning assets0.6996%6,891
Net interest margin3.7231%4,257
Noninterest income to average assets1.0997%1,227
Noninterest expense to average assets3.3498%2,582
Loan and lease loss provision to assets0.5264%3,046
Net operating income to assets0.4970%4,111
Return on assets (ROA)0.4559%4,456
Pretax return on assets0.6505%4,165
Return on Equity (ROE)5.1335%4,011
Retained earnings to average equity (ytd only)2.0903%4,419
Net charge-offs to loans0.6449%3,085
Credit loss provision to net charge-offs116.1690%3,703
Earnings coverage of net charge-offs (x)2.6733%3,757
Efficiency ratio73.4411%3,497
Assets per employee ($millions)5.9528%1,240
Cash dividends to net income (ytd only)*59.2818%1,658
Condition Ratios (%)
Loss allowance to loans1.1090%5,922
Loan loss allowance to noncurrent loans45.0072%5,320
Noncurrent assets plus other real estate owned to assets2.0643%3,269
Noncurrent loans to loans2.4640%3,058
Net loans and leases to total assets72.2243%2,050
Net loans and leases to deposits79.5841%3,244
Net loans and leases to core deposits104.3951%1,288
Total domestic deposits to total assets90.7522%716
Equity capital to assets8.5346%5,808
Core capital (leverage) ratio8.7654%4,907
Tier 1 risk-based capital ratio10.3861%6,770
Total risk-based capital ratio11.3738%6,900
Memoranda:
Average total assets$1,478,106,400458
Average earning assets$1,374,257,200447
Average equity$131,274,600519
Average total loans$1,038,632,200432
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3413%6,908
Cost of funding earning assets0.7139%7,031
Net interest margin3.6274%4,743
Noninterest income to average assets1.1127%1,134
Noninterest expense to average assets3.3313%2,479
Loan and lease loss provision to assets0.4917%3,009
Net operating income to assets0.4453%4,563
Return on assets (ROA)0.3864%4,995
Pretax return on assets0.5946%4,615
Return on Equity (ROE)4.3061%4,640
Retained earnings to average equity (ytd only)1.4601%5,218
Net charge-offs to loans0.4164%3,624
Credit loss provision to net charge-offs169.8012%2,190
Earnings coverage of net charge-offs (x)3.9514%3,237
Efficiency ratio74.4350%3,235
Assets per employee ($millions)5.2750%1,846
Cash dividends to net income (ytd only)*66.0912%1,028
Condition Ratios (%)
Loss allowance to loans1.3127%4,885
Loan loss allowance to noncurrent loans48.3635%5,070
Noncurrent assets plus other real estate owned to assets2.3043%3,075
Noncurrent loans to loans2.7142%2,924
Net loans and leases to total assets72.6544%2,088
Net loans and leases to deposits81.0421%3,258
Net loans and leases to core deposits109.9820%1,033
Total domestic deposits to total assets89.6502%1,051
Equity capital to assets9.3319%5,084
Core capital (leverage) ratio9.2201%4,338
Tier 1 risk-based capital ratio11.1683%6,222
Total risk-based capital ratio12.3405%6,288
Memoranda:
Average total assets$1,459,212,000459
Average earning assets$1,352,726,750451
Average equity$130,943,250512
Average total loans$1,014,609,750442
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2023%7,167
Cost of funding earning assets0.7417%7,087
Net interest margin3.4607%5,399
Noninterest income to average assets1.0846%1,137
Noninterest expense to average assets3.2039%2,889
Loan and lease loss provision to assets0.4873%2,858
Net operating income to assets0.4062%4,728
Return on assets (ROA)0.3576%5,097
Pretax return on assets0.5568%4,713
Return on Equity (ROE)4.0367%4,761
Retained earnings to average equity (ytd only)1.1314%5,307
Net charge-offs to loans0.1214%4,970
Credit loss provision to net charge-offs588.1967%638
Earnings coverage of net charge-offs (x)13.1705%1,608
Efficiency ratio74.5960%3,351
Assets per employee ($millions)5.4767%1,639
Cash dividends to net income (ytd only)*71.9711%973
Condition Ratios (%)
Loss allowance to loans1.4250%4,309
Loan loss allowance to noncurrent loans59.2940%4,384
Noncurrent assets plus other real estate owned to assets2.0752%3,411
Noncurrent loans to loans2.4033%3,253
Net loans and leases to total assets71.1604%2,622
Net loans and leases to deposits79.6097%3,667
Net loans and leases to core deposits109.8485%1,172
Total domestic deposits to total assets89.3867%1,233
Equity capital to assets9.3093%4,990
Core capital (leverage) ratio8.9801%4,633
Tier 1 risk-based capital ratio11.4464%5,826
Total risk-based capital ratio12.6933%5,799
Memoranda:
Average total assets$1,472,626,670458
Average earning assets$1,366,141,670448
Average equity$130,452,330510
Average total loans$1,004,594,330453
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0986%7,376
Cost of funding earning assets0.7876%7,125
Net interest margin3.3110%5,930
Noninterest income to average assets1.0550%1,142
Noninterest expense to average assets3.1037%3,255
Loan and lease loss provision to assets0.4496%2,719
Net operating income to assets0.3879%4,890
Return on assets (ROA)0.3638%5,131
Pretax return on assets0.5562%4,764
Return on Equity (ROE)4.2070%4,799
Retained earnings to average equity (ytd only)1.3337%5,277
Net charge-offs to loans0.1193%4,262
Credit loss provision to net charge-offs567.7852%763
Earnings coverage of net charge-offs (x)12.9799%1,530
Efficiency ratio75.1206%3,378
Assets per employee ($millions)5.9919%1,262
Cash dividends to net income (ytd only)*68.2980%1,067
Condition Ratios (%)
Loss allowance to loans1.3065%4,897
Loan loss allowance to noncurrent loans57.2577%4,524
Noncurrent assets plus other real estate owned to assets1.8268%3,740
Noncurrent loans to loans2.2819%3,413
Net loans and leases to total assets64.2548%4,277
Net loans and leases to deposits71.5221%5,119
Net loans and leases to core deposits105.8552%1,586
Total domestic deposits to total assets89.8391%1,075
Equity capital to assets8.6018%5,868
Core capital (leverage) ratio8.6393%5,137
Tier 1 risk-based capital ratio11.6671%5,515
Total risk-based capital ratio12.8319%5,566
Memoranda:
Average total assets$1,505,189,500464
Average earning assets$1,398,615,000455
Average equity$130,164,000521
Average total loans$998,860,000475
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5478%7,341
Cost of funding earning assets1.1243%6,905
Net interest margin3.4235%5,276
Noninterest income to average assets1.2156%1,038
Noninterest expense to average assets3.0604%3,904
Loan and lease loss provision to assets0.5956%3,412
Net operating income to assets0.4832%3,799
Return on assets (ROA)0.4048%4,216
Pretax return on assets0.6178%3,854
Return on Equity (ROE)4.4673%3,900
Retained earnings to average equity (ytd only)1.0594%4,300
Net charge-offs to loans0.8216%2,770
Credit loss provision to net charge-offs100.8065%5,475
Earnings coverage of net charge-offs (x)2.2009%4,074
Efficiency ratio70.1817%4,588
Assets per employee ($millions)5.6394%1,521
Cash dividends to net income (ytd only)*76.2853%1,310
Condition Ratios (%)
Loss allowance to loans1.1379%5,700
Loan loss allowance to noncurrent loans87.5733%3,177
Noncurrent assets plus other real estate owned to assets1.2249%4,654
Noncurrent loans to loans1.2993%4,758
Net loans and leases to total assets66.8652%3,959
Net loans and leases to deposits74.4270%4,961
Net loans and leases to core deposits108.7535%3,030
Total domestic deposits to total assets89.8400%1,038
Equity capital to assets8.6942%5,593
Core capital (leverage) ratio8.5909%5,112
Tier 1 risk-based capital ratio11.2051%5,715
Total risk-based capital ratio12.2036%5,933
Memoranda:
Average total assets$1,427,208,800476
Average earning assets$1,311,174,000470
Average equity$129,317,400517
Average total loans$1,026,256,200469
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4926%7,512
Cost of funding earning assets1.1916%6,916
Net interest margin3.3010%5,638
Noninterest income to average assets1.2458%994
Noninterest expense to average assets3.0680%3,778
Loan and lease loss provision to assets0.1891%5,484
Net operating income to assets0.6724%3,308
Return on assets (ROA)0.5961%3,674
Pretax return on assets0.9287%3,133
Return on Equity (ROE)6.5094%3,295
Retained earnings to average equity (ytd only)3.4126%3,389
Net charge-offs to loans0.2924%4,198
Credit loss provision to net charge-offs88.5347%5,521
Earnings coverage of net charge-offs (x)5.6379%2,765
Efficiency ratio71.8168%4,277
Assets per employee ($millions)5.6925%1,440
Cash dividends to net income (ytd only)*47.5737%2,117
Condition Ratios (%)
Loss allowance to loans1.1030%5,706
Loan loss allowance to noncurrent loans84.2875%3,240
Noncurrent assets plus other real estate owned to assets1.2409%4,584
Noncurrent loans to loans1.3086%4,752
Net loans and leases to total assets68.2177%3,907
Net loans and leases to deposits76.5753%4,953
Net loans and leases to core deposits109.9974%3,237
Total domestic deposits to total assets89.0858%1,160
Equity capital to assets8.9581%5,539
Core capital (leverage) ratio8.9035%4,809
Tier 1 risk-based capital ratio10.8981%6,056
Total risk-based capital ratio11.8331%6,336
Memoranda:
Average total assets$1,410,402,000497
Average earning assets$1,293,004,250487
Average equity$129,164,500527
Average total loans$1,030,130,500483
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5379%7,591
Cost of funding earning assets1.2832%6,862
Net interest margin3.2547%5,717
Noninterest income to average assets1.2565%969
Noninterest expense to average assets3.1225%3,612
Loan and lease loss provision to assets0.1797%5,247
Net operating income to assets0.5970%3,690
Return on assets (ROA)0.5116%4,163
Pretax return on assets0.8188%3,611
Return on Equity (ROE)5.5436%3,842
Retained earnings to average equity (ytd only)2.7391%3,805
Net charge-offs to loans0.2701%3,838
Credit loss provision to net charge-offs89.3495%4,945
Earnings coverage of net charge-offs (x)5.4660%2,831
Efficiency ratio73.9579%4,035
Assets per employee ($millions)5.6266%1,477
Cash dividends to net income (ytd only)*50.5902%2,020
Condition Ratios (%)
Loss allowance to loans1.1188%5,465
Loan loss allowance to noncurrent loans76.3981%3,647
Noncurrent assets plus other real estate owned to assets1.4102%4,138
Noncurrent loans to loans1.4645%4,296
Net loans and leases to total assets69.5068%3,815
Net loans and leases to deposits78.1255%4,850
Net loans and leases to core deposits108.4531%3,563
Total domestic deposits to total assets88.9681%1,285
Equity capital to assets8.9754%5,350
Core capital (leverage) ratio9.0927%4,481
Tier 1 risk-based capital ratio10.7839%6,105
Total risk-based capital ratio11.7299%6,341
Memoranda:
Average total assets$1,390,981,330514
Average earning assets$1,267,407,330506
Average equity$128,364,670540
Average total loans$1,035,819,670495
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5738%7,643
Cost of funding earning assets1.4046%6,717
Net interest margin3.1692%5,955
Noninterest income to average assets1.1786%1,055
Noninterest expense to average assets3.1320%3,260
Loan and lease loss provision to assets0.2191%4,264
Net operating income to assets0.4552%4,632
Return on assets (ROA)0.4438%4,851
Pretax return on assets0.6679%4,531
Return on Equity (ROE)4.7410%4,584
Retained earnings to average equity (ytd only)4.7410%3,272
Net charge-offs to loans0.4338%2,374
Credit loss provision to net charge-offs65.9051%4,420
Earnings coverage of net charge-offs (x)2.7197%3,398
Efficiency ratio77.5968%3,236
Assets per employee ($millions)5.4502%1,610
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0637%5,728
Loan loss allowance to noncurrent loans64.5793%4,340
Noncurrent assets plus other real estate owned to assets1.7329%3,314
Noncurrent loans to loans1.6470%3,804
Net loans and leases to total assets74.2126%2,704
Net loans and leases to deposits84.4849%3,899
Net loans and leases to core deposits109.8266%3,456
Total domestic deposits to total assets87.8413%1,828
Equity capital to assets9.2863%4,956
Core capital (leverage) ratio9.4016%4,104
Tier 1 risk-based capital ratio10.4409%6,457
Total risk-based capital ratio11.3411%6,735
Memoranda:
Average total assets$1,369,079,500525
Average earning assets$1,234,522,500525
Average equity$128,158,000537
Average total loans$1,049,451,000496
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6072%7,042
Cost of funding earning assets2.1111%5,998
Net interest margin3.4961%5,307
Noninterest income to average assets1.2452%957
Noninterest expense to average assets3.3217%2,896
Loan and lease loss provision to assets0.4987%2,818
Net operating income to assets0.4360%5,005
Return on assets (ROA)0.3539%5,141
Pretax return on assets0.4677%5,076
Return on Equity (ROE)3.5338%5,022
Retained earnings to average equity (ytd only)-0.3731%5,396
Net charge-offs to loans0.4462%2,598
Credit loss provision to net charge-offs136.8709%3,893
Earnings coverage of net charge-offs (x)2.9488%4,610
Efficiency ratio75.5585%3,314
Assets per employee ($millions)5.2883%1,649
Cash dividends to net income (ytd only)*110.5571%795
Condition Ratios (%)
Loss allowance to loans1.0781%5,431
Loan loss allowance to noncurrent loans241.5082%1,635
Noncurrent assets plus other real estate owned to assets0.9779%4,387
Noncurrent loans to loans0.4464%6,019
Net loans and leases to total assets77.4896%2,268
Net loans and leases to deposits87.2950%3,895
Net loans and leases to core deposits104.2194%4,370
Total domestic deposits to total assets88.7675%1,124
Equity capital to assets9.4371%4,776
Core capital (leverage) ratio9.4279%4,117
Tier 1 risk-based capital ratio9.9477%6,799
Total risk-based capital ratio10.8424%7,106
Memoranda:
Average total assets$1,303,319,200520
Average earning assets$1,174,647,600525
Average equity$130,540,200530
Average total loans$1,064,278,200470