Home > The First National Bank of Jacksboro > Performance and Condition Ratios
The First National Bank of Jacksboro, 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 | 4.2784% | 4,822 |
| Cost of funding earning assets | 1.1062% | 1,376 |
| Net interest margin | 3.1722% | 5,841 |
| Noninterest income to average assets | 0.3617% | 4,987 |
| Noninterest expense to average assets | 2.9637% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3562% | 5,450 |
| Return on assets (ROA) | -0.0212% | 6,552 |
| Pretax return on assets | -0.0165% | 6,549 |
| Return on Equity (ROE) | -0.1508% | 6,548 |
| Retained earnings to average equity (ytd only) | -0.1508% | 6,018 |
| Net charge-offs to loans | 1.1410% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5387% | 4,065 |
| Efficiency ratio | 85.3832% | 1,540 |
| Assets per employee ($millions) | 6.3160% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,516 |
| Loan loss allowance to noncurrent loans | 80.1313% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,022 |
| Noncurrent loans to loans | 1.4898% | 3,884 |
| Net loans and leases to total assets | 58.0011% | 4,040 |
| Net loans and leases to deposits | 77.4711% | 2,597 |
| Net loans and leases to core deposits | 82.5957% | 2,748 |
| Total domestic deposits to total assets | 74.8681% | 6,660 |
| Equity capital to assets | 14.2577% | 936 |
| Core capital (leverage) ratio | 12.0726% | 1,549 |
| Tier 1 risk-based capital ratio | 17.7916% | 2,364 |
| Total risk-based capital ratio | 18.8312% | 2,418 |
| Memoranda: | ||
| Average total assets | $508,696,500 | 1,337 |
| Average earning assets | $475,133,000 | 1,311 |
| Average equity | $71,608,000 | 975 |
| Average total loans | $298,688,500 | 1,420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 5,164 |
| Cost of funding earning assets | 1.3310% | 1,338 |
| Net interest margin | 3.1436% | 6,237 |
| Noninterest income to average assets | 0.3421% | 5,084 |
| Noninterest expense to average assets | 2.8244% | 4,258 |
| Loan and lease loss provision to assets | 0.0811% | 5,602 |
| Net operating income to assets | 0.3653% | 5,010 |
| Return on assets (ROA) | 0.3651% | 5,178 |
| Pretax return on assets | 0.3701% | 5,379 |
| Return on Equity (ROE) | 2.5399% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.5399% | 4,420 |
| Net charge-offs to loans | 0.1696% | 4,800 |
| Credit loss provision to net charge-offs | 81.9502% | 4,368 |
| Earnings coverage of net charge-offs (x) | 4.5602% | 3,066 |
| Efficiency ratio | 82.2331% | 1,985 |
| Assets per employee ($millions) | 6.2453% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 4,189 |
| Loan loss allowance to noncurrent loans | 112.4104% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 4,347 |
| Noncurrent loans to loans | 1.2993% | 4,204 |
| Net loans and leases to total assets | 57.8729% | 4,390 |
| Net loans and leases to deposits | 76.9814% | 3,007 |
| Net loans and leases to core deposits | 83.2374% | 2,989 |
| Total domestic deposits to total assets | 75.1778% | 6,579 |
| Equity capital to assets | 13.8982% | 1,103 |
| Core capital (leverage) ratio | 11.9727% | 1,612 |
| Tier 1 risk-based capital ratio | 17.4211% | 2,409 |
| Total risk-based capital ratio | 18.6712% | 2,379 |
| Memoranda: | ||
| Average total assets | $486,927,800 | 1,372 |
| Average earning assets | $454,410,400 | 1,342 |
| Average equity | $70,003,600 | 957 |
| Average total loans | $284,115,800 | 1,501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 5,322 |
| Cost of funding earning assets | 1.3689% | 1,378 |
| Net interest margin | 3.1085% | 6,369 |
| Noninterest income to average assets | 0.3151% | 5,343 |
| Noninterest expense to average assets | 2.8287% | 4,242 |
| Loan and lease loss provision to assets | 0.0444% | 5,883 |
| Net operating income to assets | 0.3379% | 5,261 |
| Return on assets (ROA) | 0.3376% | 5,433 |
| Pretax return on assets | 0.3426% | 5,617 |
| Return on Equity (ROE) | 2.3277% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.3277% | 4,955 |
| Net charge-offs to loans | 0.2115% | 4,111 |
| Credit loss provision to net charge-offs | 36.0360% | 5,323 |
| Earnings coverage of net charge-offs (x) | 3.1441% | 3,562 |
| Efficiency ratio | 83.8437% | 1,747 |
| Assets per employee ($millions) | 6.1155% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,483 |
| Loan loss allowance to noncurrent loans | 99.4784% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,393 |
| Noncurrent loans to loans | 1.4238% | 4,159 |
| Net loans and leases to total assets | 57.5375% | 4,580 |
| Net loans and leases to deposits | 76.6389% | 3,219 |
| Net loans and leases to core deposits | 84.7388% | 2,947 |
| Total domestic deposits to total assets | 75.0761% | 6,633 |
| Equity capital to assets | 14.0098% | 1,152 |
| Core capital (leverage) ratio | 12.4490% | 1,461 |
| Tier 1 risk-based capital ratio | 17.1946% | 2,568 |
| Total risk-based capital ratio | 18.4054% | 2,544 |
| Memoranda: | ||
| Average total assets | $480,631,000 | 1,391 |
| Average earning assets | $448,523,500 | 1,364 |
| Average equity | $69,710,750 | 971 |
| Average total loans | $279,952,500 | 1,531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 5,423 |
| Cost of funding earning assets | 1.4276% | 1,295 |
| Net interest margin | 3.0504% | 6,506 |
| Noninterest income to average assets | 0.3070% | 5,442 |
| Noninterest expense to average assets | 2.8916% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2599% | 5,517 |
| Return on assets (ROA) | 0.2595% | 5,645 |
| Pretax return on assets | 0.2646% | 5,766 |
| Return on Equity (ROE) | 1.7677% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.7677% | 5,112 |
| Net charge-offs to loans | 0.2047% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.2242% | 3,722 |
| Efficiency ratio | 87.3321% | 1,476 |
| Assets per employee ($millions) | 5.8319% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 4,126 |
| Loan loss allowance to noncurrent loans | 111.9435% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,609 |
| Noncurrent loans to loans | 1.3410% | 4,413 |
| Net loans and leases to total assets | 58.3259% | 4,570 |
| Net loans and leases to deposits | 78.6110% | 3,021 |
| Net loans and leases to core deposits | 87.4751% | 2,708 |
| Total domestic deposits to total assets | 74.1956% | 6,817 |
| Equity capital to assets | 14.9063% | 842 |
| Core capital (leverage) ratio | 12.7930% | 1,251 |
| Tier 1 risk-based capital ratio | 18.1981% | 2,105 |
| Total risk-based capital ratio | 19.4488% | 2,061 |
| Memoranda: | ||
| Average total assets | $471,645,000 | 1,425 |
| Average earning assets | $440,595,670 | 1,394 |
| Average equity | $69,243,670 | 979 |
| Average total loans | $274,520,000 | 1,578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 5,895 |
| Cost of funding earning assets | 1.4847% | 1,232 |
| Net interest margin | 2.8517% | 6,829 |
| Noninterest income to average assets | 0.2725% | 5,726 |
| Noninterest expense to average assets | 2.7933% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1477% | 5,952 |
| Return on assets (ROA) | 0.1468% | 6,011 |
| Pretax return on assets | 0.1519% | 6,049 |
| Return on Equity (ROE) | 1.0079% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.0079% | 5,426 |
| Net charge-offs to loans | 0.2104% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2587% | 3,731 |
| Efficiency ratio | 90.2334% | 1,314 |
| Assets per employee ($millions) | 5.6230% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,896 |
| Loan loss allowance to noncurrent loans | 121.8943% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,704 |
| Noncurrent loans to loans | 1.2834% | 4,556 |
| Net loans and leases to total assets | 58.4720% | 4,562 |
| Net loans and leases to deposits | 78.9479% | 2,903 |
| Net loans and leases to core deposits | 85.7758% | 2,904 |
| Total domestic deposits to total assets | 74.0640% | 6,891 |
| Equity capital to assets | 14.7827% | 815 |
| Core capital (leverage) ratio | 12.5542% | 1,301 |
| Tier 1 risk-based capital ratio | 18.0410% | 2,100 |
| Total risk-based capital ratio | 19.2922% | 2,068 |
| Memoranda: | ||
| Average total assets | $471,275,000 | 1,435 |
| Average earning assets | $441,838,000 | 1,398 |
| Average equity | $68,658,000 | 978 |
| Average total loans | $271,919,000 | 1,614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 5,563 |
| Cost of funding earning assets | 1.6413% | 1,863 |
| Net interest margin | 3.1227% | 6,461 |
| Noninterest income to average assets | -1.1371% | 7,631 |
| Noninterest expense to average assets | 3.0603% | 3,628 |
| Loan and lease loss provision to assets | 0.5883% | 2,782 |
| Net operating income to assets | -1.8785% | 7,021 |
| Return on assets (ROA) | -1.8492% | 7,036 |
| Pretax return on assets | -1.8421% | 6,979 |
| Return on Equity (ROE) | -13.7768% | 6,874 |
| Retained earnings to average equity (ytd only) | -13.7768% | 6,831 |
| Net charge-offs to loans | 0.9265% | 2,331 |
| Credit loss provision to net charge-offs | 108.1666% | 4,089 |
| Earnings coverage of net charge-offs (x) | -2.3589% | 6,722 |
| Efficiency ratio | 164.2589% | 154 |
| Assets per employee ($millions) | 5.7330% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 3,291 |
| Loan loss allowance to noncurrent loans | 193.0202% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8345% | 5,330 |
| Noncurrent loans to loans | 0.8706% | 5,325 |
| Net loans and leases to total assets | 55.0871% | 5,475 |
| Net loans and leases to deposits | 74.3086% | 4,142 |
| Net loans and leases to core deposits | 82.6180% | 3,803 |
| Total domestic deposits to total assets | 74.1329% | 6,875 |
| Equity capital to assets | 14.3585% | 940 |
| Core capital (leverage) ratio | 13.0431% | 1,116 |
| Tier 1 risk-based capital ratio | 18.7988% | 1,767 |
| Total risk-based capital ratio | 20.0515% | 1,736 |
| Memoranda: | ||
| Average total assets | $450,253,200 | 1,476 |
| Average earning assets | $420,216,400 | 1,441 |
| Average equity | $60,434,800 | 1,103 |
| Average total loans | $264,341,600 | 1,680 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 5,363 |
| Cost of funding earning assets | 1.6931% | 1,914 |
| Net interest margin | 3.1864% | 6,390 |
| Noninterest income to average assets | -1.6173% | 7,750 |
| Noninterest expense to average assets | 3.1427% | 3,134 |
| Loan and lease loss provision to assets | 0.7957% | 1,909 |
| Net operating income to assets | -2.5996% | 7,372 |
| Return on assets (ROA) | -2.5587% | 7,380 |
| Pretax return on assets | -2.5515% | 7,328 |
| Return on Equity (ROE) | -19.4262% | 7,208 |
| Retained earnings to average equity (ytd only) | -19.4262% | 7,190 |
| Net charge-offs to loans | 1.0332% | 1,954 |
| Credit loss provision to net charge-offs | 129.5988% | 3,122 |
| Earnings coverage of net charge-offs (x) | -2.9261% | 6,560 |
| Efficiency ratio | 222.8297% | 59 |
| Assets per employee ($millions) | 5.2727% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,422 |
| Loan loss allowance to noncurrent loans | 92.2743% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 4,535 |
| Noncurrent loans to loans | 2.0811% | 3,589 |
| Net loans and leases to total assets | 56.3325% | 5,499 |
| Net loans and leases to deposits | 77.4770% | 3,924 |
| Net loans and leases to core deposits | 86.1221% | 3,634 |
| Total domestic deposits to total assets | 72.7087% | 7,063 |
| Equity capital to assets | 15.5972% | 748 |
| Core capital (leverage) ratio | 13.3000% | 1,119 |
| Tier 1 risk-based capital ratio | 19.7090% | 1,601 |
| Total risk-based capital ratio | 20.9643% | 1,569 |
| Memoranda: | ||
| Average total assets | $443,855,750 | 1,522 |
| Average earning assets | $412,791,250 | 1,495 |
| Average equity | $58,462,500 | 1,144 |
| Average total loans | $263,775,000 | 1,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 4,921 |
| Cost of funding earning assets | 1.7399% | 1,921 |
| Net interest margin | 3.2652% | 6,119 |
| Noninterest income to average assets | -2.5985% | 7,823 |
| Noninterest expense to average assets | 3.2042% | 2,887 |
| Loan and lease loss provision to assets | 1.1928% | 1,174 |
| Net operating income to assets | -3.9777% | 7,617 |
| Return on assets (ROA) | -3.9165% | 7,618 |
| Pretax return on assets | -3.9057% | 7,590 |
| Return on Equity (ROE) | -31.6734% | 7,452 |
| Retained earnings to average equity (ytd only) | -31.6734% | 7,441 |
| Net charge-offs to loans | 1.4559% | 1,308 |
| Credit loss provision to net charge-offs | 136.3356% | 2,941 |
| Earnings coverage of net charge-offs (x) | -3.1709% | 6,262 |
| Efficiency ratio | 711.8325% | 8 |
| Assets per employee ($millions) | 5.4145% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9719% | 2,253 |
| Loan loss allowance to noncurrent loans | 130.9693% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 5,257 |
| Noncurrent loans to loans | 1.5056% | 4,450 |
| Net loans and leases to total assets | 55.8274% | 5,729 |
| Net loans and leases to deposits | 76.8242% | 4,184 |
| Net loans and leases to core deposits | 84.8224% | 4,018 |
| Total domestic deposits to total assets | 72.6690% | 7,125 |
| Equity capital to assets | 15.5427% | 759 |
| Core capital (leverage) ratio | 13.3694% | 1,096 |
| Tier 1 risk-based capital ratio | 20.5670% | 1,417 |
| Total risk-based capital ratio | 21.8236% | 1,386 |
| Memoranda: | ||
| Average total assets | $444,172,330 | 1,538 |
| Average earning assets | $411,975,330 | 1,506 |
| Average equity | $54,923,000 | 1,206 |
| Average total loans | $266,905,000 | 1,704 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,091 |
| Cost of funding earning assets | 1.8304% | 1,749 |
| Net interest margin | 3.1537% | 6,440 |
| Noninterest income to average assets | 0.2665% | 6,023 |
| Noninterest expense to average assets | 3.1072% | 3,232 |
| Loan and lease loss provision to assets | 0.4628% | 2,653 |
| Net operating income to assets | -0.4025% | 6,761 |
| Return on assets (ROA) | -0.5096% | 6,862 |
| Pretax return on assets | -0.4988% | 6,781 |
| Return on Equity (ROE) | -4.7284% | 6,868 |
| Retained earnings to average equity (ytd only) | -4.7284% | 6,566 |
| Net charge-offs to loans | 0.6600% | 2,173 |
| Credit loss provision to net charge-offs | 113.7168% | 3,052 |
| Earnings coverage of net charge-offs (x) | 0.1748% | 4,880 |
| Efficiency ratio | 93.2578% | 1,182 |
| Assets per employee ($millions) | 5.2831% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 3,510 |
| Loan loss allowance to noncurrent loans | 59.3250% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.6844% | 2,715 |
| Noncurrent loans to loans | 2.6743% | 2,999 |
| Net loans and leases to total assets | 62.1708% | 4,726 |
| Net loans and leases to deposits | 81.5777% | 3,359 |
| Net loans and leases to core deposits | 89.6557% | 3,414 |
| Total domestic deposits to total assets | 76.2105% | 6,723 |
| Equity capital to assets | 11.1721% | 2,614 |
| Core capital (leverage) ratio | 8.5795% | 5,239 |
| Tier 1 risk-based capital ratio | 12.8241% | 4,462 |
| Total risk-based capital ratio | 14.0768% | 4,434 |
| Memoranda: | ||
| Average total assets | $444,263,500 | 1,582 |
| Average earning assets | $410,180,000 | 1,545 |
| Average equity | $47,880,500 | 1,403 |
| Average total loans | $273,930,500 | 1,713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 6,004 |
| Cost of funding earning assets | 2.4012% | 1,297 |
| Net interest margin | 2.7180% | 7,188 |
| Noninterest income to average assets | 0.2716% | 6,174 |
| Noninterest expense to average assets | 3.1312% | 3,609 |
| Loan and lease loss provision to assets | 0.5351% | 3,694 |
| Net operating income to assets | -0.8647% | 6,486 |
| Return on assets (ROA) | -0.0652% | 5,634 |
| Pretax return on assets | -0.0629% | 5,541 |
| Return on Equity (ROE) | -0.6480% | 5,645 |
| Retained earnings to average equity (ytd only) | -0.6480% | 5,156 |
| Net charge-offs to loans | 0.7311% | 3,003 |
| Credit loss provision to net charge-offs | 120.5939% | 4,435 |
| Earnings coverage of net charge-offs (x) | -0.7375% | 6,822 |
| Efficiency ratio | 106.8587% | 879 |
| Assets per employee ($millions) | 5.4857% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,435 |
| Loan loss allowance to noncurrent loans | 45.7558% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 2,850 |
| Noncurrent loans to loans | 3.4115% | 2,237 |
| Net loans and leases to total assets | 59.2793% | 5,451 |
| Net loans and leases to deposits | 76.4258% | 4,665 |
| Net loans and leases to core deposits | 111.5019% | 2,747 |
| Total domestic deposits to total assets | 77.5645% | 6,333 |
| Equity capital to assets | 10.4021% | 3,282 |
| Core capital (leverage) ratio | 8.4680% | 5,328 |
| Tier 1 risk-based capital ratio | 13.3416% | 3,918 |
| Total risk-based capital ratio | 14.5949% | 3,862 |
| Memoranda: | ||
| Average total assets | $470,591,000 | 1,476 |
| Average earning assets | $438,447,000 | 1,442 |
| Average equity | $47,375,000 | 1,416 |
| Average total loans | $285,601,800 | 1,678 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 6,139 |
| Cost of funding earning assets | 2.5101% | 1,267 |
| Net interest margin | 2.6303% | 7,317 |
| Noninterest income to average assets | 0.2687% | 6,311 |
| Noninterest expense to average assets | 3.0755% | 3,744 |
| Loan and lease loss provision to assets | 0.5899% | 3,026 |
| Net operating income to assets | -0.9440% | 6,793 |
| Return on assets (ROA) | -0.3516% | 6,274 |
| Pretax return on assets | -0.3485% | 6,145 |
| Return on Equity (ROE) | -3.5205% | 6,300 |
| Retained earnings to average equity (ytd only) | -3.5205% | 6,036 |
| Net charge-offs to loans | 0.4373% | 3,492 |
| Credit loss provision to net charge-offs | 221.8816% | 1,970 |
| Earnings coverage of net charge-offs (x) | -1.3203% | 6,685 |
| Efficiency ratio | 107.9637% | 807 |
| Assets per employee ($millions) | 5.2067% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,512 |
| Loan loss allowance to noncurrent loans | 64.0917% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.1349% | 3,182 |
| Noncurrent loans to loans | 2.7030% | 2,806 |
| Net loans and leases to total assets | 61.9358% | 5,256 |
| Net loans and leases to deposits | 80.1945% | 4,349 |
| Net loans and leases to core deposits | 128.2897% | 1,559 |
| Total domestic deposits to total assets | 77.2320% | 6,281 |
| Equity capital to assets | 10.7949% | 3,212 |
| Core capital (leverage) ratio | 8.0998% | 6,184 |
| Tier 1 risk-based capital ratio | 12.5390% | 4,510 |
| Total risk-based capital ratio | 13.7948% | 4,458 |
| Memoranda: | ||
| Average total assets | $474,410,250 | 1,475 |
| Average earning assets | $442,938,000 | 1,437 |
| Average equity | $47,378,250 | 1,447 |
| Average total loans | $288,455,500 | 1,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 6,490 |
| Cost of funding earning assets | 2.5952% | 1,302 |
| Net interest margin | 2.4900% | 7,493 |
| Noninterest income to average assets | 0.2743% | 6,307 |
| Noninterest expense to average assets | 3.1099% | 3,659 |
| Loan and lease loss provision to assets | 0.5481% | 2,829 |
| Net operating income to assets | -1.0092% | 6,993 |
| Return on assets (ROA) | 0.2101% | 5,306 |
| Pretax return on assets | 0.2201% | 5,413 |
| Return on Equity (ROE) | 2.1592% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.1592% | 4,148 |
| Net charge-offs to loans | 0.2136% | 4,173 |
| Credit loss provision to net charge-offs | 426.9481% | 1,086 |
| Earnings coverage of net charge-offs (x) | -4.0130% | 6,435 |
| Efficiency ratio | 114.7470% | 755 |
| Assets per employee ($millions) | 5.3878% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 2,495 |
| Loan loss allowance to noncurrent loans | 81.4386% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6483% | 3,733 |
| Noncurrent loans to loans | 2.0354% | 3,467 |
| Net loans and leases to total assets | 60.7775% | 5,555 |
| Net loans and leases to deposits | 83.8579% | 3,906 |
| Net loans and leases to core deposits | 129.8293% | 1,582 |
| Total domestic deposits to total assets | 72.4768% | 7,193 |
| Equity capital to assets | 9.5813% | 4,509 |
| Core capital (leverage) ratio | 7.6134% | 6,880 |
| Tier 1 risk-based capital ratio | 10.8182% | 6,058 |
| Total risk-based capital ratio | 12.0190% | 6,052 |
| Memoranda: | ||
| Average total assets | $479,818,000 | 1,477 |
| Average earning assets | $447,141,330 | 1,447 |
| Average equity | $46,684,000 | 1,477 |
| Average total loans | $288,345,670 | 1,713 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 4,724 |
| Cost of funding earning assets | 2.6275% | 1,488 |
| Net interest margin | 2.9076% | 6,729 |
| Noninterest income to average assets | 0.2354% | 6,576 |
| Noninterest expense to average assets | 3.0522% | 3,553 |
| Loan and lease loss provision to assets | 0.3141% | 3,455 |
| Net operating income to assets | -0.4401% | 6,819 |
| Return on assets (ROA) | -0.2254% | 6,668 |
| Pretax return on assets | -0.2155% | 6,589 |
| Return on Equity (ROE) | -2.2996% | 6,698 |
| Retained earnings to average equity (ytd only) | -2.2996% | 6,157 |
| Net charge-offs to loans | 0.0867% | 4,297 |
| Credit loss provision to net charge-offs | 611.2903% | 929 |
| Earnings coverage of net charge-offs (x) | -2.2581% | 5,484 |
| Efficiency ratio | 99.4637% | 1,157 |
| Assets per employee ($millions) | 5.1309% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 3,411 |
| Loan loss allowance to noncurrent loans | 124.0845% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 4,621 |
| Noncurrent loans to loans | 1.1417% | 4,710 |
| Net loans and leases to total assets | 60.7809% | 5,539 |
| Net loans and leases to deposits | 83.6517% | 4,034 |
| Net loans and leases to core deposits | 125.1190% | 1,987 |
| Total domestic deposits to total assets | 72.6596% | 7,108 |
| Equity capital to assets | 10.3654% | 3,596 |
| Core capital (leverage) ratio | 7.0268% | 7,617 |
| Tier 1 risk-based capital ratio | 11.4828% | 5,432 |
| Total risk-based capital ratio | 12.7345% | 5,325 |
| Memoranda: | ||
| Average total assets | $482,665,500 | 1,474 |
| Average earning assets | $448,338,000 | 1,446 |
| Average equity | $47,312,500 | 1,456 |
| Average total loans | $286,010,000 | 1,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2875% | 4,037 |
| Cost of funding earning assets | 3.1508% | 1,350 |
| Net interest margin | 3.1368% | 6,552 |
| Noninterest income to average assets | 0.2533% | 6,635 |
| Noninterest expense to average assets | 3.4398% | 2,554 |
| Loan and lease loss provision to assets | 0.6614% | 2,195 |
| Net operating income to assets | -0.9413% | 7,215 |
| Return on assets (ROA) | -0.2481% | 6,521 |
| Pretax return on assets | -0.2525% | 6,413 |
| Return on Equity (ROE) | -2.5687% | 6,570 |
| Retained earnings to average equity (ytd only) | -2.5687% | 6,008 |
| Net charge-offs to loans | 0.1731% | 4,468 |
| Credit loss provision to net charge-offs | 685.6410% | 616 |
| Earnings coverage of net charge-offs (x) | -3.0949% | 6,768 |
| Efficiency ratio | 104.5039% | 856 |
| Assets per employee ($millions) | 5.0325% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 3,281 |
| Loan loss allowance to noncurrent loans | 595.9752% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 7,047 |
| Noncurrent loans to loans | 0.2325% | 6,685 |
| Net loans and leases to total assets | 56.1236% | 6,421 |
| Net loans and leases to deposits | 96.6961% | 2,337 |
| Net loans and leases to core deposits | 128.3935% | 1,974 |
| Total domestic deposits to total assets | 58.0412% | 8,015 |
| Equity capital to assets | 9.2520% | 4,999 |
| Core capital (leverage) ratio | 6.6436% | 7,877 |
| Tier 1 risk-based capital ratio | 10.7049% | 5,998 |
| Total risk-based capital ratio | 11.9556% | 5,903 |
| Memoranda: | ||
| Average total assets | $404,292,200 | 1,684 |
| Average earning assets | $372,228,000 | 1,673 |
| Average equity | $39,047,000 | 1,727 |
| Average total loans | $225,317,200 | 2,082 |