Home > The First National Bank of Grant Park > Performance and Condition Ratios
The First National Bank of Grant Park, Performance and Condition Ratios
| 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 | 3.8564% | 4,629 |
| Cost of funding earning assets | 0.2507% | 6,287 |
| Net interest margin | 3.6056% | 3,236 |
| Noninterest income to average assets | 0.8415% | 1,956 |
| Noninterest expense to average assets | 3.6156% | 1,393 |
| Loan and lease loss provision to assets | -1.6384% | 7,006 |
| Net operating income to assets | 1.9698% | 361 |
| Return on assets (ROA) | 1.9512% | 405 |
| Pretax return on assets | 1.9512% | 659 |
| Return on Equity (ROE) | 21.1354% | 229 |
| Retained earnings to average equity (ytd only) | 21.1354% | 110 |
| Net charge-offs to loans | 0.0422% | 3,446 |
| Credit loss provision to net charge-offs | -8,800.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,295 |
| Efficiency ratio | 91.6038% | 1,016 |
| Assets per employee ($millions) | 2.9730% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 2,774 |
| Loan loss allowance to noncurrent loans | 39.0118% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 4.0445% | 979 |
| Noncurrent loans to loans | 4.5065% | 920 |
| Net loans and leases to total assets | 42.1133% | 5,837 |
| Net loans and leases to deposits | 47.4277% | 5,962 |
| Net loans and leases to core deposits | 47.6909% | 6,108 |
| Total domestic deposits to total assets | 88.7946% | 1,801 |
| Equity capital to assets | 9.1481% | 5,314 |
| Core capital (leverage) ratio | 8.1654% | 5,971 |
| Tier 1 risk-based capital ratio | 13.6199% | 4,777 |
| Total risk-based capital ratio | 14.8792% | 4,742 |
| Memoranda: | ||
| Average total assets | $107,422,500 | 4,669 |
| Average earning assets | $92,522,500 | 4,834 |
| Average equity | $9,917,000 | 5,004 |
| Average total loans | $47,400,000 | 5,156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 3,686 |
| Cost of funding earning assets | 0.3204% | 6,354 |
| Net interest margin | 4.1141% | 1,944 |
| Noninterest income to average assets | 0.8382% | 2,094 |
| Noninterest expense to average assets | 4.5619% | 546 |
| Loan and lease loss provision to assets | 0.6855% | 765 |
| Net operating income to assets | -0.9029% | 6,712 |
| Return on assets (ROA) | -0.5489% | 6,625 |
| Pretax return on assets | -0.5489% | 6,594 |
| Return on Equity (ROE) | -6.0381% | 6,630 |
| Retained earnings to average equity (ytd only) | -6.0381% | 6,484 |
| Net charge-offs to loans | 1.2372% | 805 |
| Credit loss provision to net charge-offs | 123.4628% | 2,305 |
| Earnings coverage of net charge-offs (x) | -0.3916% | 5,642 |
| Efficiency ratio | 105.0041% | 427 |
| Assets per employee ($millions) | 2.9123% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 953 |
| Loan loss allowance to noncurrent loans | 68.1648% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 4.2148% | 1,002 |
| Noncurrent loans to loans | 3.9227% | 1,216 |
| Net loans and leases to total assets | 44.2295% | 5,795 |
| Net loans and leases to deposits | 50.1248% | 5,943 |
| Net loans and leases to core deposits | 50.4186% | 6,122 |
| Total domestic deposits to total assets | 88.2387% | 2,070 |
| Equity capital to assets | 9.3196% | 5,124 |
| Core capital (leverage) ratio | 7.7171% | 6,398 |
| Tier 1 risk-based capital ratio | 12.9141% | 5,174 |
| Total risk-based capital ratio | 14.1749% | 5,107 |
| Memoranda: | ||
| Average total assets | $111,313,600 | 4,566 |
| Average earning assets | $94,869,800 | 4,732 |
| Average equity | $10,119,000 | 4,958 |
| Average total loans | $49,953,200 | 5,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 3,639 |
| Cost of funding earning assets | 0.3405% | 6,416 |
| Net interest margin | 4.1593% | 1,868 |
| Noninterest income to average assets | 0.7898% | 2,282 |
| Noninterest expense to average assets | 3.9492% | 1,002 |
| Loan and lease loss provision to assets | 0.6883% | 743 |
| Net operating income to assets | -0.2999% | 6,570 |
| Return on assets (ROA) | -0.0897% | 6,489 |
| Pretax return on assets | -0.0897% | 6,473 |
| Return on Equity (ROE) | -0.9928% | 6,502 |
| Retained earnings to average equity (ytd only) | -0.9928% | 6,272 |
| Net charge-offs to loans | 1.0080% | 1,055 |
| Credit loss provision to net charge-offs | 152.6178% | 1,845 |
| Earnings coverage of net charge-offs (x) | 0.8613% | 4,900 |
| Efficiency ratio | 91.0452% | 958 |
| Assets per employee ($millions) | 3.2199% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6803% | 1,000 |
| Loan loss allowance to noncurrent loans | 51.6693% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.7261% | 961 |
| Noncurrent loans to loans | 5.1875% | 855 |
| Net loans and leases to total assets | 44.1431% | 5,958 |
| Net loans and leases to deposits | 49.7524% | 6,130 |
| Net loans and leases to core deposits | 50.1624% | 6,272 |
| Total domestic deposits to total assets | 88.7256% | 1,579 |
| Equity capital to assets | 9.8613% | 4,692 |
| Core capital (leverage) ratio | 8.0936% | 6,235 |
| Tier 1 risk-based capital ratio | 13.2221% | 5,084 |
| Total risk-based capital ratio | 14.4799% | 5,040 |
| Memoranda: | ||
| Average total assets | $112,931,000 | 4,565 |
| Average earning assets | $96,328,500 | 4,730 |
| Average equity | $10,206,000 | 4,978 |
| Average total loans | $50,530,000 | 5,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 3,655 |
| Cost of funding earning assets | 0.3692% | 6,422 |
| Net interest margin | 4.1578% | 1,875 |
| Noninterest income to average assets | 0.9414% | 1,641 |
| Noninterest expense to average assets | 3.8323% | 1,164 |
| Loan and lease loss provision to assets | 0.8380% | 583 |
| Net operating income to assets | -0.1946% | 6,540 |
| Return on assets (ROA) | 0.1175% | 6,283 |
| Pretax return on assets | 0.1175% | 6,295 |
| Return on Equity (ROE) | 1.3388% | 6,225 |
| Retained earnings to average equity (ytd only) | 1.3388% | 5,523 |
| Net charge-offs to loans | 1.0311% | 1,065 |
| Credit loss provision to net charge-offs | 182.4427% | 1,553 |
| Earnings coverage of net charge-offs (x) | 1.4008% | 4,303 |
| Efficiency ratio | 85.6248% | 1,468 |
| Assets per employee ($millions) | 3.2496% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6745% | 1,071 |
| Loan loss allowance to noncurrent loans | 53.1596% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 4.9652% | 965 |
| Noncurrent loans to loans | 5.0310% | 972 |
| Net loans and leases to total assets | 44.3324% | 5,986 |
| Net loans and leases to deposits | 50.0444% | 6,180 |
| Net loans and leases to core deposits | 50.4839% | 6,319 |
| Total domestic deposits to total assets | 88.5861% | 1,764 |
| Equity capital to assets | 9.7323% | 4,715 |
| Core capital (leverage) ratio | 8.1350% | 6,115 |
| Tier 1 risk-based capital ratio | 13.1721% | 5,061 |
| Total risk-based capital ratio | 14.4301% | 5,030 |
| Memoranda: | ||
| Average total assets | $114,082,000 | 4,564 |
| Average earning assets | $96,974,670 | 4,733 |
| Average equity | $10,009,330 | 5,027 |
| Average total loans | $50,820,670 | 5,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 3,475 |
| Cost of funding earning assets | 0.4243% | 6,286 |
| Net interest margin | 4.1817% | 1,809 |
| Noninterest income to average assets | 0.8906% | 1,786 |
| Noninterest expense to average assets | 3.7556% | 1,290 |
| Loan and lease loss provision to assets | 0.3624% | 1,742 |
| Net operating income to assets | 0.3107% | 5,627 |
| Return on assets (ROA) | 0.3107% | 5,790 |
| Pretax return on assets | 0.3107% | 5,957 |
| Return on Equity (ROE) | 3.7354% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.7354% | 4,345 |
| Net charge-offs to loans | 0.5875% | 1,624 |
| Credit loss provision to net charge-offs | 140.0000% | 1,754 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,133 |
| Efficiency ratio | 84.8012% | 1,597 |
| Assets per employee ($millions) | 3.4413% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 1,635 |
| Loan loss allowance to noncurrent loans | 39.0236% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 4.5710% | 1,163 |
| Noncurrent loans to loans | 5.9517% | 845 |
| Net loans and leases to total assets | 42.9212% | 6,107 |
| Net loans and leases to deposits | 47.4569% | 6,325 |
| Net loans and leases to core deposits | 47.8529% | 6,465 |
| Total domestic deposits to total assets | 90.4424% | 834 |
| Equity capital to assets | 8.4710% | 6,111 |
| Core capital (leverage) ratio | 7.0257% | 6,831 |
| Tier 1 risk-based capital ratio | 12.0278% | 5,943 |
| Total risk-based capital ratio | 13.2831% | 5,931 |
| Memoranda: | ||
| Average total assets | $115,879,000 | 4,545 |
| Average earning assets | $98,046,500 | 4,747 |
| Average equity | $9,637,500 | 5,138 |
| Average total loans | $51,067,000 | 5,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 3,637 |
| Cost of funding earning assets | 0.8096% | 4,795 |
| Net interest margin | 4.0284% | 2,738 |
| Noninterest income to average assets | 0.2444% | 5,793 |
| Noninterest expense to average assets | 4.1559% | 853 |
| Loan and lease loss provision to assets | 1.0199% | 923 |
| Net operating income to assets | -1.5054% | 6,906 |
| Return on assets (ROA) | -1.4433% | 6,916 |
| Pretax return on assets | -1.4433% | 6,885 |
| Return on Equity (ROE) | -16.4734% | 6,926 |
| Retained earnings to average equity (ytd only) | -16.4734% | 6,905 |
| Net charge-offs to loans | 2.2461% | 563 |
| Credit loss provision to net charge-offs | 96.3224% | 3,739 |
| Earnings coverage of net charge-offs (x) | -0.4585% | 6,064 |
| Efficiency ratio | 103.8826% | 571 |
| Assets per employee ($millions) | 3.3770% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1634% | 1,875 |
| Loan loss allowance to noncurrent loans | 40.4438% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.2447% | 1,319 |
| Noncurrent loans to loans | 5.3492% | 1,012 |
| Net loans and leases to total assets | 43.2357% | 6,270 |
| Net loans and leases to deposits | 50.0588% | 6,362 |
| Net loans and leases to core deposits | 50.7271% | 6,489 |
| Total domestic deposits to total assets | 86.3699% | 3,100 |
| Equity capital to assets | 8.1688% | 6,464 |
| Core capital (leverage) ratio | 6.7130% | 6,942 |
| Tier 1 risk-based capital ratio | 11.2995% | 6,290 |
| Total risk-based capital ratio | 12.5540% | 6,267 |
| Memoranda: | ||
| Average total assets | $120,696,600 | 4,380 |
| Average earning assets | $102,647,200 | 4,572 |
| Average equity | $10,574,600 | 4,889 |
| Average total loans | $56,898,000 | 4,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 3,356 |
| Cost of funding earning assets | 0.7521% | 5,462 |
| Net interest margin | 4.1932% | 2,130 |
| Noninterest income to average assets | 0.5737% | 3,349 |
| Noninterest expense to average assets | 3.6783% | 1,540 |
| Loan and lease loss provision to assets | 0.2967% | 3,149 |
| Net operating income to assets | 0.1890% | 5,727 |
| Return on assets (ROA) | 0.1956% | 5,842 |
| Pretax return on assets | 0.1956% | 5,903 |
| Return on Equity (ROE) | 2.1966% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.1966% | 5,025 |
| Net charge-offs to loans | 0.5947% | 2,476 |
| Credit loss provision to net charge-offs | 104.2471% | 3,194 |
| Earnings coverage of net charge-offs (x) | 1.7066% | 4,378 |
| Efficiency ratio | 88.3347% | 1,311 |
| Assets per employee ($millions) | 3.2056% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 1,934 |
| Loan loss allowance to noncurrent loans | 33.9520% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.9010% | 1,181 |
| Noncurrent loans to loans | 6.3702% | 840 |
| Net loans and leases to total assets | 44.1553% | 6,321 |
| Net loans and leases to deposits | 50.9883% | 6,445 |
| Net loans and leases to core deposits | 51.7701% | 6,579 |
| Total domestic deposits to total assets | 86.5989% | 2,883 |
| Equity capital to assets | 9.6814% | 4,802 |
| Core capital (leverage) ratio | 7.8938% | 6,490 |
| Tier 1 risk-based capital ratio | 13.2460% | 4,916 |
| Total risk-based capital ratio | 14.5003% | 4,886 |
| Memoranda: | ||
| Average total assets | $121,322,250 | 4,385 |
| Average earning assets | $103,879,500 | 4,577 |
| Average equity | $10,804,500 | 4,848 |
| Average total loans | $58,064,500 | 4,994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 3,033 |
| Cost of funding earning assets | 0.7790% | 5,517 |
| Net interest margin | 4.2473% | 1,856 |
| Noninterest income to average assets | 0.4936% | 3,919 |
| Noninterest expense to average assets | 3.6151% | 1,707 |
| Loan and lease loss provision to assets | 0.2971% | 3,024 |
| Net operating income to assets | 0.2443% | 5,582 |
| Return on assets (ROA) | 0.2526% | 5,676 |
| Pretax return on assets | 0.2526% | 5,803 |
| Return on Equity (ROE) | 2.9212% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.9212% | 4,425 |
| Net charge-offs to loans | 0.3587% | 3,121 |
| Credit loss provision to net charge-offs | 169.8113% | 1,777 |
| Earnings coverage of net charge-offs (x) | 3.0943% | 3,306 |
| Efficiency ratio | 86.9738% | 1,517 |
| Assets per employee ($millions) | 3.0755% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,989 |
| Loan loss allowance to noncurrent loans | 27.8099% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 5.6459% | 1,032 |
| Noncurrent loans to loans | 7.7843% | 599 |
| Net loans and leases to total assets | 47.1733% | 6,134 |
| Net loans and leases to deposits | 54.2545% | 6,291 |
| Net loans and leases to core deposits | 55.0928% | 6,488 |
| Total domestic deposits to total assets | 86.9482% | 2,770 |
| Equity capital to assets | 9.3168% | 5,116 |
| Core capital (leverage) ratio | 7.8270% | 6,488 |
| Tier 1 risk-based capital ratio | 12.5449% | 5,301 |
| Total risk-based capital ratio | 13.8005% | 5,276 |
| Memoranda: | ||
| Average total assets | $121,159,330 | 4,417 |
| Average earning assets | $104,490,670 | 4,596 |
| Average equity | $10,475,000 | 4,932 |
| Average total loans | $59,094,330 | 4,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 5,025 |
| Cost of funding earning assets | 0.8030% | 5,563 |
| Net interest margin | 3.7778% | 3,720 |
| Noninterest income to average assets | 0.6176% | 3,050 |
| Noninterest expense to average assets | 3.7252% | 1,488 |
| Loan and lease loss provision to assets | 0.2956% | 2,793 |
| Net operating income to assets | -0.1577% | 6,515 |
| Return on assets (ROA) | -0.1577% | 6,533 |
| Pretax return on assets | -0.1577% | 6,505 |
| Return on Equity (ROE) | -1.8963% | 6,573 |
| Retained earnings to average equity (ytd only) | -1.8963% | 6,127 |
| Net charge-offs to loans | -0.2947% | 7,336 |
| Credit loss provision to net charge-offs | -204.5455% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4286% | 898 |
| Assets per employee ($millions) | 3.2117% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,934 |
| Loan loss allowance to noncurrent loans | 21.4825% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 7.0490% | 754 |
| Noncurrent loans to loans | 10.2984% | 381 |
| Net loans and leases to total assets | 47.4436% | 6,141 |
| Net loans and leases to deposits | 54.5200% | 6,253 |
| Net loans and leases to core deposits | 55.4791% | 6,453 |
| Total domestic deposits to total assets | 87.0205% | 2,925 |
| Equity capital to assets | 8.2493% | 6,225 |
| Core capital (leverage) ratio | 7.5780% | 6,676 |
| Tier 1 risk-based capital ratio | 12.0550% | 5,640 |
| Total risk-based capital ratio | 13.3110% | 5,630 |
| Memoranda: | ||
| Average total assets | $121,766,500 | 4,425 |
| Average earning assets | $104,611,000 | 4,623 |
| Average equity | $10,125,000 | 5,012 |
| Average total loans | $59,724,500 | 5,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 4,489 |
| Cost of funding earning assets | 1.2815% | 4,009 |
| Net interest margin | 3.7329% | 4,217 |
| Noninterest income to average assets | 0.5701% | 3,674 |
| Noninterest expense to average assets | 3.7799% | 1,524 |
| Loan and lease loss provision to assets | 1.5474% | 949 |
| Net operating income to assets | -1.5242% | 6,917 |
| Return on assets (ROA) | -1.5147% | 6,927 |
| Pretax return on assets | -1.5147% | 6,859 |
| Return on Equity (ROE) | -16.3245% | 6,958 |
| Retained earnings to average equity (ytd only) | -16.3245% | 6,926 |
| Net charge-offs to loans | 2.8535% | 607 |
| Credit loss provision to net charge-offs | 106.4250% | 4,196 |
| Earnings coverage of net charge-offs (x) | 0.0159% | 6,108 |
| Efficiency ratio | 99.3911% | 800 |
| Assets per employee ($millions) | 3.5731% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,412 |
| Loan loss allowance to noncurrent loans | 20.4163% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 7.0995% | 760 |
| Noncurrent loans to loans | 9.5707% | 456 |
| Net loans and leases to total assets | 48.6134% | 6,320 |
| Net loans and leases to deposits | 56.4877% | 6,403 |
| Net loans and leases to core deposits | 57.7210% | 6,580 |
| Total domestic deposits to total assets | 86.0602% | 3,327 |
| Equity capital to assets | 8.3811% | 6,032 |
| Core capital (leverage) ratio | 7.5160% | 6,693 |
| Tier 1 risk-based capital ratio | 11.9794% | 5,493 |
| Total risk-based capital ratio | 13.2327% | 5,472 |
| Memoranda: | ||
| Average total assets | $125,243,000 | 4,370 |
| Average earning assets | $108,467,600 | 4,498 |
| Average equity | $11,620,600 | 4,711 |
| Average total loans | $63,817,000 | 4,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 4,553 |
| Cost of funding earning assets | 1.3703% | 3,779 |
| Net interest margin | 3.6877% | 4,471 |
| Noninterest income to average assets | 0.5653% | 3,684 |
| Noninterest expense to average assets | 3.6676% | 1,637 |
| Loan and lease loss provision to assets | 0.3910% | 3,547 |
| Net operating income to assets | -0.2885% | 6,421 |
| Return on assets (ROA) | -0.7714% | 6,814 |
| Pretax return on assets | -0.7714% | 6,721 |
| Return on Equity (ROE) | -8.1243% | 6,844 |
| Retained earnings to average equity (ytd only) | -8.1243% | 6,781 |
| Net charge-offs to loans | 1.3207% | 1,542 |
| Credit loss provision to net charge-offs | 57.7223% | 5,751 |
| Earnings coverage of net charge-offs (x) | 0.1513% | 5,870 |
| Efficiency ratio | 97.2814% | 848 |
| Assets per employee ($millions) | 3.4554% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 5,363 |
| Loan loss allowance to noncurrent loans | 16.0776% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 6.3849% | 899 |
| Noncurrent loans to loans | 7.6241% | 705 |
| Net loans and leases to total assets | 49.6034% | 6,362 |
| Net loans and leases to deposits | 57.9145% | 6,465 |
| Net loans and leases to core deposits | 59.2815% | 6,653 |
| Total domestic deposits to total assets | 85.6494% | 3,266 |
| Equity capital to assets | 9.7327% | 4,499 |
| Core capital (leverage) ratio | 7.9119% | 6,450 |
| Tier 1 risk-based capital ratio | 12.4356% | 5,043 |
| Total risk-based capital ratio | 13.4005% | 5,281 |
| Memoranda: | ||
| Average total assets | $126,182,000 | 4,411 |
| Average earning assets | $109,659,750 | 4,536 |
| Average equity | $11,980,250 | 4,681 |
| Average total loans | $64,712,250 | 4,956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 3,560 |
| Cost of funding earning assets | 1.3820% | 3,994 |
| Net interest margin | 3.8983% | 3,458 |
| Noninterest income to average assets | 0.7228% | 2,562 |
| Noninterest expense to average assets | 3.6441% | 1,675 |
| Loan and lease loss provision to assets | 0.2866% | 4,101 |
| Net operating income to assets | 0.2006% | 5,555 |
| Return on assets (ROA) | -0.4060% | 6,613 |
| Pretax return on assets | -0.4060% | 6,515 |
| Return on Equity (ROE) | -4.3125% | 6,638 |
| Retained earnings to average equity (ytd only) | -4.3125% | 6,475 |
| Net charge-offs to loans | 1.0419% | 1,797 |
| Credit loss provision to net charge-offs | 53.2544% | 5,350 |
| Earnings coverage of net charge-offs (x) | 0.9053% | 4,866 |
| Efficiency ratio | 88.2081% | 1,490 |
| Assets per employee ($millions) | 3.5129% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,444 |
| Loan loss allowance to noncurrent loans | 15.0358% | 7,145 |
| Noncurrent assets plus other real estate owned to assets | 6.9743% | 761 |
| Noncurrent loans to loans | 9.2907% | 503 |
| Net loans and leases to total assets | 50.3444% | 6,393 |
| Net loans and leases to deposits | 59.8428% | 6,427 |
| Net loans and leases to core deposits | 61.4396% | 6,599 |
| Total domestic deposits to total assets | 84.1276% | 4,048 |
| Equity capital to assets | 9.7173% | 4,383 |
| Core capital (leverage) ratio | 8.5112% | 5,384 |
| Tier 1 risk-based capital ratio | 12.6178% | 4,758 |
| Total risk-based capital ratio | 13.6898% | 4,892 |
| Memoranda: | ||
| Average total assets | $125,626,670 | 4,457 |
| Average earning assets | $109,842,670 | 4,561 |
| Average equity | $11,826,000 | 4,726 |
| Average total loans | $64,881,670 | 4,985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 4,273 |
| Cost of funding earning assets | 1.3974% | 4,199 |
| Net interest margin | 3.7578% | 3,966 |
| Noninterest income to average assets | 0.7060% | 2,555 |
| Noninterest expense to average assets | 3.4822% | 2,029 |
| Loan and lease loss provision to assets | 0.2875% | 3,726 |
| Net operating income to assets | 0.2524% | 5,483 |
| Return on assets (ROA) | -0.0831% | 6,495 |
| Pretax return on assets | -0.0831% | 6,444 |
| Return on Equity (ROE) | -0.8970% | 6,512 |
| Retained earnings to average equity (ytd only) | -0.8970% | 6,026 |
| Net charge-offs to loans | 0.2645% | 3,351 |
| Credit loss provision to net charge-offs | 209.3023% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 2,744 |
| Efficiency ratio | 86.5766% | 1,735 |
| Assets per employee ($millions) | 3.2452% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,010 |
| Loan loss allowance to noncurrent loans | 13.0532% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 8.2299% | 591 |
| Noncurrent loans to loans | 13.1279% | 243 |
| Net loans and leases to total assets | 51.4410% | 6,331 |
| Net loans and leases to deposits | 62.1818% | 6,257 |
| Net loans and leases to core deposits | 63.1330% | 6,515 |
| Total domestic deposits to total assets | 82.7268% | 4,743 |
| Equity capital to assets | 9.4658% | 4,588 |
| Core capital (leverage) ratio | 8.7714% | 4,899 |
| Tier 1 risk-based capital ratio | 12.1274% | 5,059 |
| Total risk-based capital ratio | 13.3640% | 5,041 |
| Memoranda: | ||
| Average total assets | $125,207,500 | 4,517 |
| Average earning assets | $110,491,000 | 4,598 |
| Average equity | $11,594,500 | 4,818 |
| Average total loans | $65,037,500 | 5,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6482% | 3,358 |
| Cost of funding earning assets | 1.9172% | 3,365 |
| Net interest margin | 3.7310% | 3,993 |
| Noninterest income to average assets | 0.9582% | 1,710 |
| Noninterest expense to average assets | 3.9315% | 1,465 |
| Loan and lease loss provision to assets | 0.2980% | 5,049 |
| Net operating income to assets | 0.0016% | 5,476 |
| Return on assets (ROA) | 0.0618% | 5,362 |
| Pretax return on assets | 0.0618% | 5,296 |
| Return on Equity (ROE) | 0.7558% | 5,309 |
| Retained earnings to average equity (ytd only) | 0.2650% | 4,762 |
| Net charge-offs to loans | 1.5218% | 1,647 |
| Credit loss provision to net charge-offs | 37.6268% | 6,849 |
| Earnings coverage of net charge-offs (x) | 0.3783% | 5,736 |
| Efficiency ratio | 92.9195% | 1,490 |
| Assets per employee ($millions) | 3.2589% | 5,591 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,211 |
| Loan loss allowance to noncurrent loans | 13.4801% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 7.3660% | 669 |
| Noncurrent loans to loans | 11.9879% | 281 |
| Net loans and leases to total assets | 50.7282% | 6,557 |
| Net loans and leases to deposits | 61.7130% | 6,494 |
| Net loans and leases to core deposits | 73.4487% | 6,567 |
| Total domestic deposits to total assets | 82.2002% | 4,865 |
| Equity capital to assets | 9.0608% | 5,048 |
| Core capital (leverage) ratio | 8.5950% | 5,105 |
| Tier 1 risk-based capital ratio | 12.5533% | 4,480 |
| Total risk-based capital ratio | 13.6582% | 4,553 |
| Memoranda: | ||
| Average total assets | $124,507,600 | 4,459 |
| Average earning assets | $109,221,200 | 4,589 |
| Average equity | $10,188,200 | 5,244 |
| Average total loans | $64,791,400 | 5,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 3,273 |
| Cost of funding earning assets | 2.0372% | 3,176 |
| Net interest margin | 3.6769% | 4,179 |
| Noninterest income to average assets | 1.0097% | 1,570 |
| Noninterest expense to average assets | 3.9075% | 1,417 |
| Loan and lease loss provision to assets | 0.3025% | 4,555 |
| Net operating income to assets | 0.0269% | 5,653 |
| Return on assets (ROA) | 0.0592% | 5,619 |
| Pretax return on assets | 0.0592% | 5,600 |
| Return on Equity (ROE) | 0.7440% | 5,569 |
| Retained earnings to average equity (ytd only) | 0.0677% | 5,172 |
| Net charge-offs to loans | 1.9853% | 996 |
| Credit loss provision to net charge-offs | 29.2100% | 6,516 |
| Earnings coverage of net charge-offs (x) | 0.3181% | 5,701 |
| Efficiency ratio | 92.2256% | 1,526 |
| Assets per employee ($millions) | 3.3805% | 5,203 |
| Cash dividends to net income (ytd only)* | 90.9178% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,248 |
| Loan loss allowance to noncurrent loans | 16.7651% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 6.0214% | 895 |
| Noncurrent loans to loans | 9.1688% | 481 |
| Net loans and leases to total assets | 49.5652% | 6,812 |
| Net loans and leases to deposits | 58.5567% | 6,933 |
| Net loans and leases to core deposits | 68.3385% | 7,059 |
| Total domestic deposits to total assets | 84.6449% | 3,407 |
| Equity capital to assets | 9.2520% | 5,087 |
| Core capital (leverage) ratio | 8.6521% | 5,218 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,492 |
| Total risk-based capital ratio | 15.3455% | 3,434 |
| Memoranda: | ||
| Average total assets | $123,860,250 | 4,504 |
| Average earning assets | $108,710,500 | 4,629 |
| Average equity | $9,856,250 | 5,376 |
| Average total loans | $64,606,000 | 5,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 2,999 |
| Cost of funding earning assets | 2.1285% | 3,143 |
| Net interest margin | 3.6817% | 4,031 |
| Noninterest income to average assets | 1.0987% | 1,316 |
| Noninterest expense to average assets | 4.0007% | 1,317 |
| Loan and lease loss provision to assets | 0.3123% | 4,074 |
| Net operating income to assets | 0.0294% | 5,760 |
| Return on assets (ROA) | 0.0785% | 5,720 |
| Pretax return on assets | 0.0785% | 5,720 |
| Return on Equity (ROE) | 1.0458% | 5,625 |
| Retained earnings to average equity (ytd only) | -0.0436% | 5,225 |
| Net charge-offs to loans | 1.2789% | 1,449 |
| Credit loss provision to net charge-offs | 46.2470% | 5,814 |
| Earnings coverage of net charge-offs (x) | 0.5061% | 5,195 |
| Efficiency ratio | 92.1310% | 1,629 |
| Assets per employee ($millions) | 3.1156% | 5,824 |
| Cash dividends to net income (ytd only)* | 104.1667% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 1,132 |
| Loan loss allowance to noncurrent loans | 27.6677% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 5.5030% | 919 |
| Noncurrent loans to loans | 8.2276% | 521 |
| Net loans and leases to total assets | 50.0177% | 6,872 |
| Net loans and leases to deposits | 59.9529% | 6,893 |
| Net loans and leases to core deposits | 70.2091% | 7,008 |
| Total domestic deposits to total assets | 83.4283% | 4,050 |
| Equity capital to assets | 8.3838% | 6,225 |
| Core capital (leverage) ratio | 8.6260% | 5,219 |
| Tier 1 risk-based capital ratio | 14.5936% | 3,194 |
| Total risk-based capital ratio | 15.8558% | 3,129 |
| Memoranda: | ||
| Average total assets | $122,327,330 | 4,570 |
| Average earning assets | $107,775,000 | 4,683 |
| Average equity | $9,180,000 | 5,618 |
| Average total loans | $64,586,330 | 5,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 2,716 |
| Cost of funding earning assets | 2.1970% | 3,178 |
| Net interest margin | 3.7209% | 3,802 |
| Noninterest income to average assets | 1.0332% | 1,394 |
| Noninterest expense to average assets | 3.7102% | 1,635 |
| Loan and lease loss provision to assets | 0.3961% | 2,951 |
| Net operating income to assets | 0.1749% | 5,736 |
| Return on assets (ROA) | 0.2113% | 5,789 |
| Pretax return on assets | 0.2113% | 5,909 |
| Return on Equity (ROE) | 2.9956% | 5,373 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,400 |
| Net charge-offs to loans | 0.8248% | 1,573 |
| Credit loss provision to net charge-offs | 89.5522% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.2910% | 4,094 |
| Efficiency ratio | 86.6615% | 2,004 |
| Assets per employee ($millions) | 3.1281% | 5,817 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6006% | 692 |
| Loan loss allowance to noncurrent loans | 37.5736% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 4.9757% | 909 |
| Noncurrent loans to loans | 6.9213% | 589 |
| Net loans and leases to total assets | 50.9632% | 6,770 |
| Net loans and leases to deposits | 59.9277% | 6,902 |
| Net loans and leases to core deposits | 70.8949% | 6,967 |
| Total domestic deposits to total assets | 85.0411% | 3,181 |
| Equity capital to assets | 7.0241% | 7,667 |
| Core capital (leverage) ratio | 7.4069% | 7,270 |
| Tier 1 risk-based capital ratio | 12.1438% | 4,829 |
| Total risk-based capital ratio | 13.4108% | 4,713 |
| Memoranda: | ||
| Average total assets | $121,180,000 | 4,614 |
| Average earning assets | $105,781,500 | 4,756 |
| Average equity | $8,546,000 | 5,866 |
| Average total loans | $64,987,000 | 5,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1757% | 4,638 |
| Cost of funding earning assets | 2.5904% | 3,725 |
| Net interest margin | 3.5853% | 4,950 |
| Noninterest income to average assets | 0.8513% | 2,217 |
| Noninterest expense to average assets | 3.7965% | 1,763 |
| Loan and lease loss provision to assets | 1.0179% | 1,444 |
| Net operating income to assets | -0.7292% | 7,085 |
| Return on assets (ROA) | -1.5037% | 7,410 |
| Pretax return on assets | -1.5037% | 7,254 |
| Return on Equity (ROE) | -18.7720% | 7,733 |
| Retained earnings to average equity (ytd only) | -22.5970% | 7,749 |
| Net charge-offs to loans | 0.4095% | 2,771 |
| Credit loss provision to net charge-offs | 459.4891% | 955 |
| Earnings coverage of net charge-offs (x) | 1.3029% | 5,474 |
| Efficiency ratio | 92.9349% | 1,330 |
| Assets per employee ($millions) | 3.0092% | 6,041 |
| Cash dividends to net income (ytd only)* | -20.3763% | 7,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5324% | 655 |
| Loan loss allowance to noncurrent loans | 41.8855% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.1490% | 965 |
| Noncurrent loans to loans | 6.0461% | 584 |
| Net loans and leases to total assets | 53.5591% | 6,698 |
| Net loans and leases to deposits | 65.3419% | 6,687 |
| Net loans and leases to core deposits | 75.9329% | 6,862 |
| Total domestic deposits to total assets | 81.9675% | 4,216 |
| Equity capital to assets | 7.0809% | 7,694 |
| Core capital (leverage) ratio | 6.8006% | 7,817 |
| Tier 1 risk-based capital ratio | 10.9771% | 5,746 |
| Total risk-based capital ratio | 12.2383% | 5,636 |
| Memoranda: | ||
| Average total assets | $123,691,800 | 4,428 |
| Average earning assets | $111,566,000 | 4,484 |
| Average equity | $9,908,400 | 5,439 |
| Average total loans | $66,902,800 | 4,983 |