Home > The Farmers Bank of Lynchburg > Performance and Condition Ratios
The Farmers Bank of Lynchburg, Performance and Condition Ratios
| 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 | 4.5651% | 3,656 |
| Cost of funding earning assets | 1.0484% | 1,685 |
| Net interest margin | 3.5167% | 4,607 |
| Noninterest income to average assets | 0.2857% | 5,586 |
| Noninterest expense to average assets | 3.5278% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3255% | 6,722 |
| Return on assets (ROA) | -0.3255% | 6,763 |
| Pretax return on assets | -0.3255% | 6,746 |
| Return on Equity (ROE) | -7.6446% | 6,941 |
| Retained earnings to average equity (ytd only) | -7.6446% | 6,747 |
| Net charge-offs to loans | 0.9876% | 1,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5019% | 4,503 |
| Efficiency ratio | 102.7929% | 476 |
| Assets per employee ($millions) | 5.1206% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5002% | 535 |
| Loan loss allowance to noncurrent loans | 46.5122% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 6.0515% | 776 |
| Noncurrent loans to loans | 7.5254% | 557 |
| Net loans and leases to total assets | 60.8065% | 3,491 |
| Net loans and leases to deposits | 63.7057% | 4,672 |
| Net loans and leases to core deposits | 65.7957% | 4,938 |
| Total domestic deposits to total assets | 95.4491% | 48 |
| Equity capital to assets | 4.1298% | 7,176 |
| Core capital (leverage) ratio | 2.5607% | 7,254 |
| Tier 1 risk-based capital ratio | 3.5260% | 7,261 |
| Total risk-based capital ratio | 4.7996% | 7,261 |
| Memoranda: | ||
| Average total assets | $161,005,500 | 3,663 |
| Average earning assets | $133,535,500 | 3,917 |
| Average equity | $6,854,500 | 5,914 |
| Average total loans | $105,713,500 | 3,465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 3,863 |
| Cost of funding earning assets | 1.1812% | 2,156 |
| Net interest margin | 3.6086% | 4,696 |
| Noninterest income to average assets | 0.4086% | 4,552 |
| Noninterest expense to average assets | 4.5530% | 559 |
| Loan and lease loss provision to assets | 1.9627% | 307 |
| Net operating income to assets | -8.1799% | 7,346 |
| Return on assets (ROA) | -8.1799% | 7,347 |
| Pretax return on assets | -3.1852% | 7,206 |
| Return on Equity (ROE) | -94.3017% | 7,305 |
| Retained earnings to average equity (ytd only) | -94.3017% | 7,305 |
| Net charge-offs to loans | 4.2610% | 127 |
| Credit loss provision to net charge-offs | 68.8518% | 4,894 |
| Earnings coverage of net charge-offs (x) | -0.4288% | 6,053 |
| Efficiency ratio | 120.4017% | 303 |
| Assets per employee ($millions) | 5.4535% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5821% | 507 |
| Loan loss allowance to noncurrent loans | 44.0441% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 6.7789% | 684 |
| Noncurrent loans to loans | 8.1330% | 491 |
| Net loans and leases to total assets | 65.9498% | 2,797 |
| Net loans and leases to deposits | 69.3191% | 4,230 |
| Net loans and leases to core deposits | 71.6619% | 4,574 |
| Total domestic deposits to total assets | 95.1395% | 56 |
| Equity capital to assets | 4.3894% | 7,201 |
| Core capital (leverage) ratio | 2.5708% | 7,288 |
| Tier 1 risk-based capital ratio | 3.5364% | 7,298 |
| Total risk-based capital ratio | 4.7982% | 7,299 |
| Memoranda: | ||
| Average total assets | $180,870,400 | 3,321 |
| Average earning assets | $146,457,000 | 3,631 |
| Average equity | $15,689,000 | 3,772 |
| Average total loans | $121,003,600 | 3,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 3,893 |
| Cost of funding earning assets | 1.2024% | 2,302 |
| Net interest margin | 3.6257% | 4,676 |
| Noninterest income to average assets | 0.4260% | 4,471 |
| Noninterest expense to average assets | 4.6113% | 520 |
| Loan and lease loss provision to assets | 1.8583% | 319 |
| Net operating income to assets | -9.4171% | 7,425 |
| Return on assets (ROA) | -9.4171% | 7,426 |
| Pretax return on assets | -3.1104% | 7,280 |
| Return on Equity (ROE) | -98.2759% | 7,378 |
| Retained earnings to average equity (ytd only) | -98.2759% | 7,378 |
| Net charge-offs to loans | 1.5908% | 890 |
| Credit loss provision to net charge-offs | 175.4386% | 1,697 |
| Earnings coverage of net charge-offs (x) | -1.1822% | 5,953 |
| Efficiency ratio | 118.4043% | 323 |
| Assets per employee ($millions) | 4.6386% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6084% | 126 |
| Loan loss allowance to noncurrent loans | 62.9555% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 7.8681% | 568 |
| Noncurrent loans to loans | 8.9085% | 443 |
| Net loans and leases to total assets | 68.4094% | 2,397 |
| Net loans and leases to deposits | 72.4838% | 3,896 |
| Net loans and leases to core deposits | 74.8879% | 4,333 |
| Total domestic deposits to total assets | 94.3789% | 70 |
| Equity capital to assets | 5.1604% | 7,250 |
| Core capital (leverage) ratio | 3.1301% | 7,347 |
| Tier 1 risk-based capital ratio | 4.5264% | 7,346 |
| Total risk-based capital ratio | 5.8256% | 7,346 |
| Memoranda: | ||
| Average total assets | $186,550,000 | 3,253 |
| Average earning assets | $150,916,750 | 3,590 |
| Average equity | $17,875,750 | 3,443 |
| Average total loans | $124,210,500 | 3,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 4,010 |
| Cost of funding earning assets | 1.2340% | 2,359 |
| Net interest margin | 3.5853% | 4,773 |
| Noninterest income to average assets | 0.5159% | 3,741 |
| Noninterest expense to average assets | 4.6923% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.7636% | 6,847 |
| Return on assets (ROA) | -0.7636% | 6,861 |
| Pretax return on assets | -1.3041% | 6,994 |
| Return on Equity (ROE) | -7.0622% | 6,831 |
| Retained earnings to average equity (ytd only) | -7.0622% | 6,723 |
| Net charge-offs to loans | 2.0602% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.9747% | 5,625 |
| Efficiency ratio | 114.4677% | 407 |
| Assets per employee ($millions) | 5.1282% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5332% | 584 |
| Loan loss allowance to noncurrent loans | 45.0663% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 6.8618% | 756 |
| Noncurrent loans to loans | 7.8400% | 591 |
| Net loans and leases to total assets | 63.5699% | 3,561 |
| Net loans and leases to deposits | 72.0663% | 4,100 |
| Net loans and leases to core deposits | 74.5020% | 4,509 |
| Total domestic deposits to total assets | 88.2102% | 2,008 |
| Equity capital to assets | 11.4900% | 2,509 |
| Core capital (leverage) ratio | 4.7443% | 7,323 |
| Tier 1 risk-based capital ratio | 6.7406% | 7,328 |
| Total risk-based capital ratio | 8.0162% | 7,332 |
| Memoranda: | ||
| Average total assets | $194,616,000 | 3,156 |
| Average earning assets | $155,916,000 | 3,527 |
| Average equity | $21,041,670 | 2,994 |
| Average total loans | $126,393,000 | 3,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 3,216 |
| Cost of funding earning assets | 1.2854% | 2,271 |
| Net interest margin | 3.6904% | 4,155 |
| Noninterest income to average assets | 0.3680% | 4,968 |
| Noninterest expense to average assets | 3.8441% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3225% | 6,678 |
| Return on assets (ROA) | -0.3225% | 6,689 |
| Pretax return on assets | -0.5223% | 6,764 |
| Return on Equity (ROE) | -3.0681% | 6,679 |
| Retained earnings to average equity (ytd only) | -3.0681% | 6,311 |
| Net charge-offs to loans | 1.0149% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.7976% | 4,871 |
| Efficiency ratio | 108.9339% | 523 |
| Assets per employee ($millions) | 5.3215% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9890% | 421 |
| Loan loss allowance to noncurrent loans | 158.1210% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 3.1679% | 2,174 |
| Noncurrent loans to loans | 2.5227% | 2,960 |
| Net loans and leases to total assets | 61.2982% | 4,012 |
| Net loans and leases to deposits | 68.7464% | 4,561 |
| Net loans and leases to core deposits | 70.4800% | 4,982 |
| Total domestic deposits to total assets | 89.1657% | 1,665 |
| Equity capital to assets | 10.4758% | 3,202 |
| Core capital (leverage) ratio | 4.5902% | 7,389 |
| Tier 1 risk-based capital ratio | 6.3021% | 7,413 |
| Total risk-based capital ratio | 7.5786% | 7,413 |
| Memoranda: | ||
| Average total assets | $202,181,000 | 3,086 |
| Average earning assets | $161,823,500 | 3,428 |
| Average equity | $21,251,000 | 2,951 |
| Average total loans | $130,450,500 | 3,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,101 |
| Cost of funding earning assets | 1.6653% | 1,751 |
| Net interest margin | 3.6423% | 4,611 |
| Noninterest income to average assets | 0.2513% | 6,002 |
| Noninterest expense to average assets | 4.9497% | 433 |
| Loan and lease loss provision to assets | 2.4387% | 467 |
| Net operating income to assets | -3.1444% | 7,325 |
| Return on assets (ROA) | -3.1100% | 7,335 |
| Pretax return on assets | -4.1755% | 7,459 |
| Return on Equity (ROE) | -25.2737% | 7,142 |
| Retained earnings to average equity (ytd only) | -25.2737% | 7,122 |
| Net charge-offs to loans | 2.7645% | 642 |
| Credit loss provision to net charge-offs | 133.9959% | 2,915 |
| Earnings coverage of net charge-offs (x) | -0.9799% | 6,601 |
| Efficiency ratio | 105.7418% | 628 |
| Assets per employee ($millions) | 5.1832% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1587% | 350 |
| Loan loss allowance to noncurrent loans | 213.5177% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 2.8435% | 2,462 |
| Noncurrent loans to loans | 1.9477% | 3,636 |
| Net loans and leases to total assets | 62.4871% | 4,174 |
| Net loans and leases to deposits | 70.1741% | 4,799 |
| Net loans and leases to core deposits | 72.0621% | 5,201 |
| Total domestic deposits to total assets | 89.0459% | 1,631 |
| Equity capital to assets | 10.5459% | 3,110 |
| Core capital (leverage) ratio | 4.4831% | 7,460 |
| Tier 1 risk-based capital ratio | 6.3820% | 7,464 |
| Total risk-based capital ratio | 7.6607% | 7,465 |
| Memoranda: | ||
| Average total assets | $212,860,800 | 2,949 |
| Average earning assets | $170,359,800 | 3,276 |
| Average equity | $26,193,200 | 2,441 |
| Average total loans | $140,133,200 | 2,952 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 2,912 |
| Cost of funding earning assets | 1.7100% | 1,819 |
| Net interest margin | 3.6842% | 4,487 |
| Noninterest income to average assets | 0.5839% | 3,549 |
| Noninterest expense to average assets | 3.4993% | 2,036 |
| Loan and lease loss provision to assets | 0.6780% | 2,251 |
| Net operating income to assets | -0.4011% | 6,519 |
| Return on assets (ROA) | -0.3619% | 6,526 |
| Pretax return on assets | -0.5895% | 6,607 |
| Return on Equity (ROE) | -2.8454% | 6,479 |
| Retained earnings to average equity (ytd only) | -2.8454% | 6,329 |
| Net charge-offs to loans | 2.3513% | 746 |
| Credit loss provision to net charge-offs | 43.7002% | 5,973 |
| Earnings coverage of net charge-offs (x) | 0.0175% | 6,011 |
| Efficiency ratio | 93.2293% | 1,041 |
| Assets per employee ($millions) | 4.9577% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,246 |
| Loan loss allowance to noncurrent loans | 73.3404% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 3.1394% | 2,296 |
| Noncurrent loans to loans | 2.7141% | 2,925 |
| Net loans and leases to total assets | 65.0516% | 3,900 |
| Net loans and leases to deposits | 75.2638% | 4,302 |
| Net loans and leases to core deposits | 78.2540% | 4,775 |
| Total domestic deposits to total assets | 86.4314% | 2,833 |
| Equity capital to assets | 13.1560% | 1,511 |
| Core capital (leverage) ratio | 7.0122% | 7,158 |
| Tier 1 risk-based capital ratio | 9.4459% | 7,265 |
| Total risk-based capital ratio | 10.6993% | 7,267 |
| Memoranda: | ||
| Average total assets | $215,540,000 | 2,971 |
| Average earning assets | $172,155,500 | 3,284 |
| Average equity | $27,412,000 | 2,382 |
| Average total loans | $142,217,750 | 2,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4504% | 2,750 |
| Cost of funding earning assets | 1.7416% | 1,911 |
| Net interest margin | 3.7089% | 4,322 |
| Noninterest income to average assets | 0.8304% | 1,969 |
| Noninterest expense to average assets | 3.7389% | 1,479 |
| Loan and lease loss provision to assets | 0.7193% | 2,026 |
| Net operating income to assets | -0.4196% | 6,587 |
| Return on assets (ROA) | -0.3615% | 6,571 |
| Pretax return on assets | -0.5826% | 6,647 |
| Return on Equity (ROE) | -2.8740% | 6,506 |
| Retained earnings to average equity (ytd only) | -2.8740% | 6,277 |
| Net charge-offs to loans | 2.5398% | 672 |
| Credit loss provision to net charge-offs | 43.0060% | 5,554 |
| Earnings coverage of net charge-offs (x) | 0.0274% | 5,691 |
| Efficiency ratio | 93.2606% | 1,108 |
| Assets per employee ($millions) | 4.7898% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2283% | 1,707 |
| Loan loss allowance to noncurrent loans | 95.8883% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 2.7872% | 2,594 |
| Noncurrent loans to loans | 2.3239% | 3,341 |
| Net loans and leases to total assets | 65.0602% | 4,032 |
| Net loans and leases to deposits | 75.2201% | 4,483 |
| Net loans and leases to core deposits | 78.4779% | 4,871 |
| Total domestic deposits to total assets | 86.4931% | 2,823 |
| Equity capital to assets | 13.0761% | 1,538 |
| Core capital (leverage) ratio | 6.8376% | 7,270 |
| Tier 1 risk-based capital ratio | 9.3126% | 7,334 |
| Total risk-based capital ratio | 10.5685% | 7,327 |
| Memoranda: | ||
| Average total assets | $217,978,670 | 2,962 |
| Average earning assets | $173,638,330 | 3,279 |
| Average equity | $27,418,000 | 2,378 |
| Average total loans | $143,555,670 | 2,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 3,335 |
| Cost of funding earning assets | 1.7418% | 2,175 |
| Net interest margin | 3.6006% | 4,726 |
| Noninterest income to average assets | 1.1120% | 1,017 |
| Noninterest expense to average assets | 3.5091% | 1,956 |
| Loan and lease loss provision to assets | 0.1354% | 5,208 |
| Net operating income to assets | 0.2184% | 5,625 |
| Return on assets (ROA) | 0.2184% | 5,740 |
| Pretax return on assets | 0.3556% | 5,434 |
| Return on Equity (ROE) | 1.7698% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.7698% | 5,054 |
| Net charge-offs to loans | 3.8564% | 352 |
| Credit loss provision to net charge-offs | 5.3571% | 5,095 |
| Earnings coverage of net charge-offs (x) | 0.1943% | 4,866 |
| Efficiency ratio | 82.5812% | 2,198 |
| Assets per employee ($millions) | 4.2727% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 2,256 |
| Loan loss allowance to noncurrent loans | 64.5227% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 3.3041% | 2,172 |
| Noncurrent loans to loans | 3.0581% | 2,617 |
| Net loans and leases to total assets | 64.7247% | 4,157 |
| Net loans and leases to deposits | 74.8161% | 4,618 |
| Net loans and leases to core deposits | 77.7390% | 5,056 |
| Total domestic deposits to total assets | 86.5118% | 2,888 |
| Equity capital to assets | 12.9247% | 1,554 |
| Core capital (leverage) ratio | 7.1732% | 7,128 |
| Tier 1 risk-based capital ratio | 9.5154% | 7,299 |
| Total risk-based capital ratio | 10.7626% | 7,292 |
| Memoranda: | ||
| Average total assets | $221,592,500 | 2,972 |
| Average earning assets | $177,748,000 | 3,286 |
| Average equity | $27,348,000 | 2,417 |
| Average total loans | $145,213,500 | 2,980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3843% | 7,910 |
| Cost of funding earning assets | 0.9401% | 7,328 |
| Net interest margin | 1.4442% | 7,882 |
| Noninterest income to average assets | 0.1605% | 6,925 |
| Noninterest expense to average assets | 1.7880% | 7,622 |
| Loan and lease loss provision to assets | 2.3047% | 886 |
| Net operating income to assets | -1.6981% | 6,957 |
| Return on assets (ROA) | -1.6981% | 6,963 |
| Pretax return on assets | -2.7173% | 7,215 |
| Return on Equity (ROE) | -13.4437% | 6,853 |
| Retained earnings to average equity (ytd only) | -14.4907% | 6,853 |
| Net charge-offs to loans | 0.1149% | 6,014 |
| Credit loss provision to net charge-offs | 3,004.5977% | 113 |
| Earnings coverage of net charge-offs (x) | -5.3793% | 7,115 |
| Efficiency ratio | 123.1410% | 558 |
| Assets per employee ($millions) | 4.2505% | 3,346 |
| Cash dividends to net income (ytd only)* | -7.7882% | 7,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 886 |
| Loan loss allowance to noncurrent loans | 53.0446% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 4.4323% | 1,461 |
| Noncurrent loans to loans | 5.3566% | 1,219 |
| Net loans and leases to total assets | 63.2038% | 4,768 |
| Net loans and leases to deposits | 72.0092% | 5,326 |
| Net loans and leases to core deposits | 98.8071% | 4,138 |
| Total domestic deposits to total assets | 87.7719% | 2,081 |
| Equity capital to assets | 11.7776% | 2,150 |
| Core capital (leverage) ratio | 6.4454% | 7,514 |
| Tier 1 risk-based capital ratio | 8.2224% | 7,621 |
| Total risk-based capital ratio | 9.4905% | 7,634 |
| Memoranda: | ||
| Average total assets | $113,420,200 | 4,747 |
| Average earning assets | $95,416,200 | 4,965 |
| Average equity | $14,326,400 | 4,186 |
| Average total loans | $75,717,200 | 4,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,099 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.0000% | 8,092 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.0000% | 8,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0000% | 5,706 |
| Return on assets (ROA) | 0.0000% | 5,768 |
| Pretax return on assets | 0.0000% | 5,706 |
| Return on Equity (ROE) | 0.0000% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.1379% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 6,063 |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.8861% | 3,975 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 4,114 |
| Loan loss allowance to noncurrent loans | 47.4143% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 3.0571% | 2,255 |
| Noncurrent loans to loans | 2.8889% | 2,638 |
| Net loans and leases to total assets | 64.9342% | 4,665 |
| Net loans and leases to deposits | 75.1867% | 5,183 |
| Net loans and leases to core deposits | 99.2258% | 4,456 |
| Total domestic deposits to total assets | 86.3639% | 2,504 |
| Equity capital to assets | 12.9693% | 1,709 |
| Core capital (leverage) ratio | 8.0563% | 6,257 |
| Tier 1 risk-based capital ratio | 11.0453% | 5,902 |
| Total risk-based capital ratio | 12.2954% | 5,862 |
| Memoranda: | ||
| Average total assets | $85,456,250 | 5,569 |
| Average earning assets | $73,216,500 | 5,746 |
| Average equity | $11,275,000 | 4,992 |
| Average total loans | $58,009,750 | 5,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 2,003 |
| Cost of funding earning assets | 1.6687% | 5,428 |
| Net interest margin | 4.3747% | 1,462 |
| Noninterest income to average assets | -0.1150% | 8,038 |
| Noninterest expense to average assets | 3.2309% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4097% | 4,474 |
| Return on assets (ROA) | 0.4097% | 4,582 |
| Pretax return on assets | 0.5642% | 4,426 |
| Return on Equity (ROE) | 3.0508% | 4,881 |
| Retained earnings to average equity (ytd only) | -1.7663% | 5,687 |
| Net charge-offs to loans | 0.2771% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.9074% | 3,652 |
| Efficiency ratio | 85.1326% | 2,342 |
| Assets per employee ($millions) | 3.3013% | 5,316 |
| Cash dividends to net income (ytd only)* | 157.8947% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,291 |
| Loan loss allowance to noncurrent loans | 1,751.0204% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,606 |
| Noncurrent loans to loans | 0.1237% | 7,208 |
| Net loans and leases to total assets | 69.0407% | 3,935 |
| Net loans and leases to deposits | 80.1386% | 4,523 |
| Net loans and leases to core deposits | 92.6895% | 5,274 |
| Total domestic deposits to total assets | 86.1516% | 2,707 |
| Equity capital to assets | 13.1820% | 1,620 |
| Core capital (leverage) ratio | 13.3326% | 1,317 |
| Tier 1 risk-based capital ratio | 18.1608% | 1,971 |
| Total risk-based capital ratio | 19.4217% | 1,915 |
| Memoranda: | ||
| Average total assets | $55,650,330 | 6,611 |
| Average earning assets | $49,740,000 | 6,638 |
| Average equity | $7,473,330 | 6,193 |
| Average total loans | $38,969,670 | 6,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1110% | 1,909 |
| Cost of funding earning assets | 1.7356% | 5,450 |
| Net interest margin | 4.3754% | 1,407 |
| Noninterest income to average assets | 0.2599% | 6,372 |
| Noninterest expense to average assets | 3.1833% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6641% | 3,735 |
| Return on assets (ROA) | 0.6641% | 3,912 |
| Pretax return on assets | 0.9889% | 3,391 |
| Return on Equity (ROE) | 4.8995% | 4,515 |
| Retained earnings to average equity (ytd only) | -2.0237% | 6,111 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2976% | 3,439 |
| Assets per employee ($millions) | 3.2828% | 5,363 |
| Cash dividends to net income (ytd only)* | 141.3043% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 889 |
| Loan loss allowance to noncurrent loans | 424.1860% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,345 |
| Noncurrent loans to loans | 0.5565% | 6,025 |
| Net loans and leases to total assets | 67.5871% | 4,225 |
| Net loans and leases to deposits | 78.6894% | 4,817 |
| Net loans and leases to core deposits | 90.6598% | 5,490 |
| Total domestic deposits to total assets | 85.8909% | 2,779 |
| Equity capital to assets | 13.3816% | 1,582 |
| Core capital (leverage) ratio | 13.1975% | 1,419 |
| Tier 1 risk-based capital ratio | 18.6954% | 1,886 |
| Total risk-based capital ratio | 19.9581% | 1,835 |
| Memoranda: | ||
| Average total assets | $55,414,500 | 6,651 |
| Average earning assets | $49,550,000 | 6,679 |
| Average equity | $7,511,000 | 6,214 |
| Average total loans | $38,652,000 | 6,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6369% | 2,306 |
| Cost of funding earning assets | 2.4157% | 4,650 |
| Net interest margin | 4.2211% | 2,225 |
| Noninterest income to average assets | 0.3543% | 5,892 |
| Noninterest expense to average assets | 2.7258% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8998% | 2,998 |
| Return on assets (ROA) | 0.8998% | 2,841 |
| Pretax return on assets | 1.3769% | 2,039 |
| Return on Equity (ROE) | 6.5967% | 3,714 |
| Retained earnings to average equity (ytd only) | -3.4205% | 6,213 |
| Net charge-offs to loans | 0.0400% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 741 |
| Efficiency ratio | 66.4386% | 5,032 |
| Assets per employee ($millions) | 3.2365% | 5,376 |
| Cash dividends to net income (ytd only)* | 151.8519% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3582% | 793 |
| Loan loss allowance to noncurrent loans | 7,015.3846% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,507 |
| Noncurrent loans to loans | 0.0336% | 7,376 |
| Net loans and leases to total assets | 68.6302% | 4,341 |
| Net loans and leases to deposits | 80.1465% | 5,026 |
| Net loans and leases to core deposits | 92.2598% | 5,610 |
| Total domestic deposits to total assets | 85.6309% | 2,575 |
| Equity capital to assets | 13.7293% | 1,531 |
| Core capital (leverage) ratio | 13.5163% | 1,384 |
| Tier 1 risk-based capital ratio | 19.1709% | 1,776 |
| Total risk-based capital ratio | 20.4359% | 1,728 |
| Memoranda: | ||
| Average total assets | $57,010,400 | 6,488 |
| Average earning assets | $50,626,400 | 6,569 |
| Average equity | $7,776,600 | 6,179 |
| Average total loans | $37,454,600 | 6,292 |