Home > The First National Bank of Platteville > Performance and Condition Ratios
The First National Bank of Platteville, Performance and Condition Ratios
| 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 | 4.8718% | 2,118 |
| Cost of funding earning assets | 1.2462% | 563 |
| Net interest margin | 3.6257% | 4,125 |
| Noninterest income to average assets | 0.5213% | 3,794 |
| Noninterest expense to average assets | 3.2234% | 2,492 |
| Loan and lease loss provision to assets | 0.0696% | 4,803 |
| Net operating income to assets | 0.2627% | 5,741 |
| Return on assets (ROA) | 0.2878% | 5,858 |
| Pretax return on assets | 0.4240% | 5,660 |
| Return on Equity (ROE) | 2.6294% | 5,832 |
| Retained earnings to average equity (ytd only) | 0.8702% | 5,818 |
| Net charge-offs to loans | 0.0878% | 4,504 |
| Credit loss provision to net charge-offs | 119.2982% | 2,433 |
| Earnings coverage of net charge-offs (x) | 7.8243% | 2,542 |
| Efficiency ratio | 87.5870% | 1,242 |
| Assets per employee ($millions) | 3.2940% | 5,451 |
| Cash dividends to net income (ytd only)* | 66.9033% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 5,120 |
| Loan loss allowance to noncurrent loans | 141.0995% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,184 |
| Noncurrent loans to loans | 0.8752% | 4,672 |
| Net loans and leases to total assets | 67.1114% | 2,438 |
| Net loans and leases to deposits | 76.7108% | 2,874 |
| Net loans and leases to core deposits | 79.1612% | 3,305 |
| Total domestic deposits to total assets | 87.4863% | 2,361 |
| Equity capital to assets | 11.1328% | 3,117 |
| Core capital (leverage) ratio | 9.6742% | 4,003 |
| Tier 1 risk-based capital ratio | 13.6428% | 4,787 |
| Total risk-based capital ratio | 14.8328% | 4,792 |
| Memoranda: | ||
| Average total assets | $130,171,750 | 4,186 |
| Average earning assets | $113,411,250 | 4,305 |
| Average equity | $14,249,000 | 4,152 |
| Average total loans | $86,564,250 | 3,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 2,065 |
| Cost of funding earning assets | 1.3062% | 513 |
| Net interest margin | 3.6049% | 4,242 |
| Noninterest income to average assets | 0.5431% | 3,633 |
| Noninterest expense to average assets | 3.2951% | 2,323 |
| Loan and lease loss provision to assets | 0.0581% | 4,929 |
| Net operating income to assets | 0.2170% | 5,865 |
| Return on assets (ROA) | 0.2555% | 5,939 |
| Pretax return on assets | 0.3748% | 5,766 |
| Return on Equity (ROE) | 2.3469% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.8129% | 5,287 |
| Net charge-offs to loans | 0.0463% | 4,743 |
| Credit loss provision to net charge-offs | 190.0000% | 1,488 |
| Earnings coverage of net charge-offs (x) | 12.3000% | 1,890 |
| Efficiency ratio | 89.7500% | 1,089 |
| Assets per employee ($millions) | 3.3338% | 5,372 |
| Cash dividends to net income (ytd only)* | 22.7545% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,198 |
| Loan loss allowance to noncurrent loans | 117.9348% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 4,893 |
| Noncurrent loans to loans | 1.0448% | 4,431 |
| Net loans and leases to total assets | 66.8892% | 2,484 |
| Net loans and leases to deposits | 76.3473% | 2,938 |
| Net loans and leases to core deposits | 78.9255% | 3,371 |
| Total domestic deposits to total assets | 87.6117% | 2,392 |
| Equity capital to assets | 11.0023% | 3,113 |
| Core capital (leverage) ratio | 9.4500% | 4,216 |
| Tier 1 risk-based capital ratio | 13.6274% | 4,718 |
| Total risk-based capital ratio | 14.8264% | 4,732 |
| Memoranda: | ||
| Average total assets | $130,740,000 | 4,191 |
| Average earning assets | $113,455,330 | 4,320 |
| Average equity | $14,231,330 | 4,158 |
| Average total loans | $86,321,000 | 3,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 1,851 |
| Cost of funding earning assets | 1.3472% | 526 |
| Net interest margin | 3.6633% | 3,991 |
| Noninterest income to average assets | 0.5339% | 3,673 |
| Noninterest expense to average assets | 3.2830% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2838% | 5,710 |
| Return on assets (ROA) | 0.2838% | 5,875 |
| Pretax return on assets | 0.4119% | 5,687 |
| Return on Equity (ROE) | 2.6207% | 5,859 |
| Retained earnings to average equity (ytd only) | 2.1135% | 5,211 |
| Net charge-offs to loans | -0.0187% | 6,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8522% | 1,193 |
| Assets per employee ($millions) | 3.4499% | 5,233 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,258 |
| Loan loss allowance to noncurrent loans | 136.2595% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 5,197 |
| Noncurrent loans to loans | 0.9157% | 4,837 |
| Net loans and leases to total assets | 63.0006% | 3,045 |
| Net loans and leases to deposits | 71.8307% | 3,455 |
| Net loans and leases to core deposits | 74.7179% | 3,798 |
| Total domestic deposits to total assets | 87.7070% | 2,520 |
| Equity capital to assets | 10.5769% | 3,403 |
| Core capital (leverage) ratio | 9.7113% | 3,752 |
| Tier 1 risk-based capital ratio | 13.8385% | 4,580 |
| Total risk-based capital ratio | 15.0511% | 4,592 |
| Memoranda: | ||
| Average total assets | $131,101,000 | 4,210 |
| Average earning assets | $113,123,000 | 4,353 |
| Average equity | $14,194,500 | 4,164 |
| Average total loans | $85,455,000 | 3,957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 1,403 |
| Cost of funding earning assets | 1.5412% | 610 |
| Net interest margin | 3.8641% | 3,499 |
| Noninterest income to average assets | 0.7227% | 2,483 |
| Noninterest expense to average assets | 3.6008% | 1,739 |
| Loan and lease loss provision to assets | 0.0199% | 6,322 |
| Net operating income to assets | 0.2906% | 5,287 |
| Return on assets (ROA) | 0.2975% | 5,419 |
| Pretax return on assets | 0.4443% | 5,151 |
| Return on Equity (ROE) | 2.6646% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.8788% | 4,870 |
| Net charge-offs to loans | 0.0834% | 5,489 |
| Credit loss provision to net charge-offs | 34.2466% | 5,723 |
| Earnings coverage of net charge-offs (x) | 7.7945% | 2,258 |
| Efficiency ratio | 88.8058% | 1,288 |
| Assets per employee ($millions) | 3.2732% | 5,572 |
| Cash dividends to net income (ytd only)* | 29.4906% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 5,142 |
| Loan loss allowance to noncurrent loans | 113.1495% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 4,806 |
| Noncurrent loans to loans | 1.1085% | 4,497 |
| Net loans and leases to total assets | 65.8076% | 2,824 |
| Net loans and leases to deposits | 75.6191% | 3,238 |
| Net loans and leases to core deposits | 78.7354% | 3,599 |
| Total domestic deposits to total assets | 87.0251% | 2,745 |
| Equity capital to assets | 11.0909% | 2,900 |
| Core capital (leverage) ratio | 9.7254% | 3,711 |
| Tier 1 risk-based capital ratio | 13.4348% | 4,746 |
| Total risk-based capital ratio | 14.6187% | 4,767 |
| Memoranda: | ||
| Average total assets | $125,361,600 | 4,263 |
| Average earning assets | $108,097,400 | 4,445 |
| Average equity | $13,998,600 | 4,108 |
| Average total loans | $87,578,000 | 3,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 1,381 |
| Cost of funding earning assets | 1.5776% | 642 |
| Net interest margin | 3.8765% | 3,495 |
| Noninterest income to average assets | 0.7714% | 2,191 |
| Noninterest expense to average assets | 3.6690% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3097% | 5,364 |
| Return on assets (ROA) | 0.3195% | 5,497 |
| Pretax return on assets | 0.4584% | 5,290 |
| Return on Equity (ROE) | 2.8560% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.1396% | 5,064 |
| Net charge-offs to loans | -0.0484% | 7,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1948% | 1,225 |
| Assets per employee ($millions) | 3.1755% | 5,737 |
| Cash dividends to net income (ytd only)* | 25.0840% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 5,061 |
| Loan loss allowance to noncurrent loans | 88.0952% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 4,509 |
| Noncurrent loans to loans | 1.4624% | 4,107 |
| Net loans and leases to total assets | 70.9639% | 1,908 |
| Net loans and leases to deposits | 82.3543% | 2,289 |
| Net loans and leases to core deposits | 86.2803% | 2,740 |
| Total domestic deposits to total assets | 86.1691% | 3,112 |
| Equity capital to assets | 11.4198% | 2,762 |
| Core capital (leverage) ratio | 9.8817% | 3,602 |
| Tier 1 risk-based capital ratio | 12.7713% | 5,274 |
| Total risk-based capital ratio | 13.9888% | 5,279 |
| Memoranda: | ||
| Average total assets | $124,788,500 | 4,301 |
| Average earning assets | $107,585,750 | 4,492 |
| Average equity | $13,958,750 | 4,133 |
| Average total loans | $88,204,250 | 3,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 1,516 |
| Cost of funding earning assets | 1.6125% | 663 |
| Net interest margin | 3.8026% | 3,771 |
| Noninterest income to average assets | 0.8505% | 1,803 |
| Noninterest expense to average assets | 3.7169% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2677% | 5,489 |
| Return on assets (ROA) | 0.2814% | 5,574 |
| Pretax return on assets | 0.4268% | 5,309 |
| Return on Equity (ROE) | 2.5329% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.4535% | 5,264 |
| Net charge-offs to loans | 0.0114% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 617 |
| Efficiency ratio | 90.1512% | 1,230 |
| Assets per employee ($millions) | 3.0858% | 5,910 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,268 |
| Loan loss allowance to noncurrent loans | 111.3340% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 5,077 |
| Noncurrent loans to loans | 1.1298% | 4,770 |
| Net loans and leases to total assets | 70.5917% | 2,094 |
| Net loans and leases to deposits | 82.0128% | 2,453 |
| Net loans and leases to core deposits | 85.2864% | 3,034 |
| Total domestic deposits to total assets | 86.0740% | 3,286 |
| Equity capital to assets | 11.3651% | 2,629 |
| Core capital (leverage) ratio | 9.6376% | 3,749 |
| Tier 1 risk-based capital ratio | 12.9166% | 4,986 |
| Total risk-based capital ratio | 14.1270% | 4,990 |
| Memoranda: | ||
| Average total assets | $125,102,670 | 4,319 |
| Average earning assets | $107,662,000 | 4,515 |
| Average equity | $13,897,330 | 4,145 |
| Average total loans | $87,928,000 | 3,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 1,686 |
| Cost of funding earning assets | 1.6220% | 753 |
| Net interest margin | 3.7440% | 3,877 |
| Noninterest income to average assets | 0.6321% | 2,949 |
| Noninterest expense to average assets | 3.7542% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0953% | 6,107 |
| Return on assets (ROA) | 0.1366% | 6,040 |
| Pretax return on assets | 0.1302% | 6,104 |
| Return on Equity (ROE) | 1.2435% | 6,061 |
| Retained earnings to average equity (ytd only) | -0.9254% | 5,968 |
| Net charge-offs to loans | 0.1777% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7179% | 4,097 |
| Efficiency ratio | 97.6860% | 851 |
| Assets per employee ($millions) | 3.1128% | 5,922 |
| Cash dividends to net income (ytd only)* | 174.4186% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,421 |
| Loan loss allowance to noncurrent loans | 136.0303% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 4,130 |
| Noncurrent loans to loans | 0.9156% | 5,207 |
| Net loans and leases to total assets | 68.5209% | 2,448 |
| Net loans and leases to deposits | 79.2553% | 2,849 |
| Net loans and leases to core deposits | 82.9971% | 3,307 |
| Total domestic deposits to total assets | 86.4558% | 3,261 |
| Equity capital to assets | 11.0858% | 2,606 |
| Core capital (leverage) ratio | 9.4571% | 3,875 |
| Tier 1 risk-based capital ratio | 12.5104% | 5,253 |
| Total risk-based capital ratio | 13.6755% | 5,314 |
| Memoranda: | ||
| Average total assets | $125,938,500 | 4,334 |
| Average earning assets | $108,013,500 | 4,528 |
| Average equity | $13,832,000 | 4,146 |
| Average total loans | $87,771,000 | 4,024 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 2,272 |
| Cost of funding earning assets | 1.8525% | 991 |
| Net interest margin | 3.6502% | 4,572 |
| Noninterest income to average assets | 0.6673% | 3,038 |
| Noninterest expense to average assets | 3.6146% | 1,890 |
| Loan and lease loss provision to assets | 0.2358% | 4,923 |
| Net operating income to assets | 0.0684% | 5,658 |
| Return on assets (ROA) | 0.0684% | 5,802 |
| Pretax return on assets | -0.0424% | 5,949 |
| Return on Equity (ROE) | 0.6279% | 5,803 |
| Retained earnings to average equity (ytd only) | 0.6279% | 5,264 |
| Net charge-offs to loans | 0.0213% | 6,600 |
| Credit loss provision to net charge-offs | 1,578.9474% | 152 |
| Earnings coverage of net charge-offs (x) | 12.9474% | 1,454 |
| Efficiency ratio | 94.9226% | 1,015 |
| Assets per employee ($millions) | 2.9620% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,257 |
| Loan loss allowance to noncurrent loans | 57.7122% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 3,455 |
| Noncurrent loans to loans | 2.1671% | 3,352 |
| Net loans and leases to total assets | 69.1197% | 2,735 |
| Net loans and leases to deposits | 79.8576% | 3,202 |
| Net loans and leases to core deposits | 83.2199% | 3,718 |
| Total domestic deposits to total assets | 86.5537% | 3,052 |
| Equity capital to assets | 10.8828% | 2,792 |
| Core capital (leverage) ratio | 9.4036% | 3,843 |
| Tier 1 risk-based capital ratio | 12.2800% | 5,227 |
| Total risk-based capital ratio | 13.4599% | 5,262 |
| Memoranda: | ||
| Average total assets | $127,233,200 | 4,333 |
| Average earning assets | $109,474,200 | 4,480 |
| Average equity | $13,855,000 | 4,174 |
| Average total loans | $89,102,400 | 4,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 2,029 |
| Cost of funding earning assets | 1.9003% | 1,026 |
| Net interest margin | 3.7093% | 4,360 |
| Noninterest income to average assets | 0.5828% | 3,560 |
| Noninterest expense to average assets | 3.7169% | 1,536 |
| Loan and lease loss provision to assets | 0.2621% | 4,487 |
| Net operating income to assets | -0.0220% | 6,034 |
| Return on assets (ROA) | -0.0220% | 6,162 |
| Pretax return on assets | -0.1981% | 6,315 |
| Return on Equity (ROE) | -0.2021% | 6,162 |
| Retained earnings to average equity (ytd only) | -0.2021% | 5,826 |
| Net charge-offs to loans | -0.0404% | 7,444 |
| Credit loss provision to net charge-offs | -925.9259% | 7,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3088% | 811 |
| Assets per employee ($millions) | 2.8781% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,113 |
| Loan loss allowance to noncurrent loans | 43.5686% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 2,641 |
| Noncurrent loans to loans | 2.9142% | 2,739 |
| Net loans and leases to total assets | 69.8078% | 2,775 |
| Net loans and leases to deposits | 82.1599% | 3,075 |
| Net loans and leases to core deposits | 86.4984% | 3,584 |
| Total domestic deposits to total assets | 84.9657% | 3,633 |
| Equity capital to assets | 11.2390% | 2,741 |
| Core capital (leverage) ratio | 10.9678% | 2,283 |
| Tier 1 risk-based capital ratio | 13.6015% | 4,120 |
| Total risk-based capital ratio | 14.7152% | 4,179 |
| Memoranda: | ||
| Average total assets | $127,200,000 | 4,388 |
| Average earning assets | $109,666,750 | 4,535 |
| Average equity | $13,853,500 | 4,234 |
| Average total loans | $89,090,500 | 4,141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4932% | 2,547 |
| Cost of funding earning assets | 1.9213% | 1,154 |
| Net interest margin | 3.5719% | 4,940 |
| Noninterest income to average assets | 0.7215% | 2,567 |
| Noninterest expense to average assets | 3.7040% | 1,551 |
| Loan and lease loss provision to assets | 0.3896% | 3,383 |
| Net operating income to assets | -0.0904% | 6,215 |
| Return on assets (ROA) | -0.0904% | 6,291 |
| Pretax return on assets | -0.2867% | 6,416 |
| Return on Equity (ROE) | -0.8385% | 6,300 |
| Retained earnings to average equity (ytd only) | -0.8385% | 5,935 |
| Net charge-offs to loans | -0.1027% | 7,556 |
| Credit loss provision to net charge-offs | -543.4783% | 6,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2984% | 906 |
| Assets per employee ($millions) | 2.8530% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 5,028 |
| Loan loss allowance to noncurrent loans | 38.5140% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 2,626 |
| Noncurrent loans to loans | 3.3263% | 2,402 |
| Net loans and leases to total assets | 70.9782% | 2,664 |
| Net loans and leases to deposits | 82.4318% | 3,195 |
| Net loans and leases to core deposits | 87.1815% | 3,666 |
| Total domestic deposits to total assets | 86.1053% | 3,024 |
| Equity capital to assets | 11.2928% | 2,603 |
| Core capital (leverage) ratio | 10.7031% | 2,463 |
| Tier 1 risk-based capital ratio | 13.2456% | 4,257 |
| Total risk-based capital ratio | 14.3519% | 4,315 |
| Memoranda: | ||
| Average total assets | $128,347,670 | 4,394 |
| Average earning assets | $110,864,000 | 4,540 |
| Average equity | $13,835,000 | 4,236 |
| Average total loans | $89,619,670 | 4,151 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 3,043 |
| Cost of funding earning assets | 1.9642% | 1,201 |
| Net interest margin | 3.4338% | 5,454 |
| Noninterest income to average assets | 0.7227% | 2,448 |
| Noninterest expense to average assets | 3.8176% | 1,303 |
| Loan and lease loss provision to assets | 0.7623% | 1,666 |
| Net operating income to assets | -0.7471% | 6,987 |
| Return on assets (ROA) | -0.7471% | 7,010 |
| Pretax return on assets | -0.8934% | 7,000 |
| Return on Equity (ROE) | -7.0884% | 7,002 |
| Retained earnings to average equity (ytd only) | -7.0884% | 6,751 |
| Net charge-offs to loans | -0.4340% | 7,785 |
| Credit loss provision to net charge-offs | -255.1020% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5567% | 735 |
| Assets per employee ($millions) | 2.9480% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,971 |
| Loan loss allowance to noncurrent loans | 34.0536% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 2.9464% | 2,437 |
| Noncurrent loans to loans | 3.7979% | 2,082 |
| Net loans and leases to total assets | 71.1645% | 2,659 |
| Net loans and leases to deposits | 81.1148% | 3,441 |
| Net loans and leases to core deposits | 85.7870% | 3,930 |
| Total domestic deposits to total assets | 87.7331% | 2,223 |
| Equity capital to assets | 10.7680% | 2,981 |
| Core capital (leverage) ratio | 10.2162% | 2,913 |
| Tier 1 risk-based capital ratio | 12.6851% | 4,573 |
| Total risk-based capital ratio | 13.8089% | 4,654 |
| Memoranda: | ||
| Average total assets | $131,181,500 | 4,376 |
| Average earning assets | $113,226,500 | 4,535 |
| Average equity | $13,825,500 | 4,278 |
| Average total loans | $90,326,500 | 4,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 4,541 |
| Cost of funding earning assets | 2.4062% | 1,279 |
| Net interest margin | 3.0223% | 6,590 |
| Noninterest income to average assets | 0.5834% | 3,760 |
| Noninterest expense to average assets | 3.8722% | 1,553 |
| Loan and lease loss provision to assets | 1.3814% | 1,659 |
| Net operating income to assets | -1.1334% | 6,667 |
| Return on assets (ROA) | -1.1305% | 6,673 |
| Pretax return on assets | -2.0298% | 6,953 |
| Return on Equity (ROE) | -10.3474% | 6,649 |
| Retained earnings to average equity (ytd only) | -10.3474% | 6,546 |
| Net charge-offs to loans | 2.5850% | 885 |
| Credit loss provision to net charge-offs | 75.3504% | 6,385 |
| Earnings coverage of net charge-offs (x) | -0.3561% | 6,585 |
| Efficiency ratio | 120.2817% | 604 |
| Assets per employee ($millions) | 3.3073% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,693 |
| Loan loss allowance to noncurrent loans | 17.6210% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 3.6851% | 1,809 |
| Noncurrent loans to loans | 5.3025% | 1,237 |
| Net loans and leases to total assets | 65.2114% | 4,338 |
| Net loans and leases to deposits | 73.8619% | 5,060 |
| Net loans and leases to core deposits | 91.8654% | 4,905 |
| Total domestic deposits to total assets | 88.2883% | 1,829 |
| Equity capital to assets | 10.3253% | 3,374 |
| Core capital (leverage) ratio | 10.0586% | 3,027 |
| Tier 1 risk-based capital ratio | 13.3776% | 3,898 |
| Total risk-based capital ratio | 14.1987% | 4,127 |
| Memoranda: | ||
| Average total assets | $132,329,000 | 4,293 |
| Average earning assets | $115,410,200 | 4,408 |
| Average equity | $14,457,800 | 4,157 |
| Average total loans | $93,848,600 | 4,108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 4,296 |
| Cost of funding earning assets | 2.4578% | 1,418 |
| Net interest margin | 3.0679% | 6,408 |
| Noninterest income to average assets | 0.6063% | 3,651 |
| Noninterest expense to average assets | 3.7126% | 1,787 |
| Loan and lease loss provision to assets | 1.4984% | 1,280 |
| Net operating income to assets | -1.4913% | 7,108 |
| Return on assets (ROA) | -1.4913% | 7,107 |
| Pretax return on assets | -1.9182% | 7,139 |
| Return on Equity (ROE) | -13.4592% | 7,105 |
| Retained earnings to average equity (ytd only) | -13.4592% | 7,041 |
| Net charge-offs to loans | 1.9607% | 1,014 |
| Credit loss provision to net charge-offs | 105.7981% | 4,807 |
| Earnings coverage of net charge-offs (x) | -0.2964% | 6,354 |
| Efficiency ratio | 112.7463% | 715 |
| Assets per employee ($millions) | 3.2308% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,836 |
| Loan loss allowance to noncurrent loans | 29.4152% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 4.0857% | 1,552 |
| Noncurrent loans to loans | 5.5858% | 1,115 |
| Net loans and leases to total assets | 68.4204% | 3,860 |
| Net loans and leases to deposits | 77.7408% | 4,774 |
| Net loans and leases to core deposits | 98.9108% | 4,496 |
| Total domestic deposits to total assets | 88.0109% | 1,644 |
| Equity capital to assets | 10.3924% | 3,625 |
| Core capital (leverage) ratio | 10.4082% | 2,872 |
| Tier 1 risk-based capital ratio | 12.7454% | 4,353 |
| Total risk-based capital ratio | 13.9975% | 4,304 |
| Memoranda: | ||
| Average total assets | $131,511,500 | 4,339 |
| Average earning assets | $115,169,500 | 4,447 |
| Average equity | $14,572,000 | 4,176 |
| Average total loans | $94,995,750 | 4,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 4,220 |
| Cost of funding earning assets | 2.4804% | 1,681 |
| Net interest margin | 3.0896% | 6,282 |
| Noninterest income to average assets | 0.6159% | 3,563 |
| Noninterest expense to average assets | 3.6831% | 1,870 |
| Loan and lease loss provision to assets | 1.1098% | 1,544 |
| Net operating income to assets | -0.8247% | 6,846 |
| Return on assets (ROA) | -0.8247% | 6,850 |
| Pretax return on assets | -1.4635% | 7,072 |
| Return on Equity (ROE) | -7.2908% | 6,828 |
| Retained earnings to average equity (ytd only) | -9.3122% | 6,800 |
| Net charge-offs to loans | 0.4044% | 3,177 |
| Credit loss provision to net charge-offs | 375.2577% | 1,238 |
| Earnings coverage of net charge-offs (x) | -1.1959% | 6,269 |
| Efficiency ratio | 110.6227% | 832 |
| Assets per employee ($millions) | 3.2305% | 5,505 |
| Cash dividends to net income (ytd only)* | -27.7264% | 7,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0657% | 1,447 |
| Loan loss allowance to noncurrent loans | 24.0107% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 6.3364% | 737 |
| Noncurrent loans to loans | 8.6032% | 476 |
| Net loans and leases to total assets | 72.1307% | 3,186 |
| Net loans and leases to deposits | 83.1479% | 4,020 |
| Net loans and leases to core deposits | 106.2781% | 3,807 |
| Total domestic deposits to total assets | 86.7498% | 2,380 |
| Equity capital to assets | 11.2814% | 2,694 |
| Core capital (leverage) ratio | 11.1259% | 2,313 |
| Tier 1 risk-based capital ratio | 13.2156% | 3,990 |
| Total risk-based capital ratio | 14.4725% | 3,902 |
| Memoranda: | ||
| Average total assets | $131,194,670 | 4,372 |
| Average earning assets | $115,225,000 | 4,481 |
| Average equity | $14,840,670 | 4,137 |
| Average total loans | $95,946,000 | 4,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6125% | 4,282 |
| Cost of funding earning assets | 2.4975% | 1,926 |
| Net interest margin | 3.1150% | 6,157 |
| Noninterest income to average assets | 0.6930% | 2,933 |
| Noninterest expense to average assets | 3.5406% | 2,002 |
| Loan and lease loss provision to assets | 1.8702% | 656 |
| Net operating income to assets | -1.9307% | 7,640 |
| Return on assets (ROA) | -1.9307% | 7,642 |
| Pretax return on assets | -1.9851% | 7,529 |
| Return on Equity (ROE) | -17.0452% | 7,678 |
| Retained earnings to average equity (ytd only) | -17.0452% | 7,538 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3569% | 1,005 |
| Assets per employee ($millions) | 3.2603% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1143% | 1,203 |
| Loan loss allowance to noncurrent loans | 21.9768% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 7.1527% | 464 |
| Noncurrent loans to loans | 9.6207% | 316 |
| Net loans and leases to total assets | 72.7755% | 3,058 |
| Net loans and leases to deposits | 84.0117% | 3,983 |
| Net loans and leases to core deposits | 110.9801% | 3,311 |
| Total domestic deposits to total assets | 86.6255% | 2,394 |
| Equity capital to assets | 11.2214% | 2,793 |
| Core capital (leverage) ratio | 10.9526% | 2,540 |
| Tier 1 risk-based capital ratio | 13.1075% | 4,116 |
| Total risk-based capital ratio | 14.3650% | 4,017 |
| Memoranda: | ||
| Average total assets | $132,181,500 | 4,369 |
| Average earning assets | $115,956,000 | 4,480 |
| Average equity | $14,972,000 | 4,151 |
| Average total loans | $96,332,000 | 4,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0107% | 5,497 |
| Cost of funding earning assets | 2.6633% | 3,347 |
| Net interest margin | 3.3474% | 5,875 |
| Noninterest income to average assets | 0.5961% | 3,863 |
| Noninterest expense to average assets | 2.9082% | 4,421 |
| Loan and lease loss provision to assets | 0.5261% | 2,711 |
| Net operating income to assets | 0.2098% | 5,817 |
| Return on assets (ROA) | 0.2539% | 5,512 |
| Pretax return on assets | 0.2007% | 5,727 |
| Return on Equity (ROE) | 2.1947% | 5,547 |
| Retained earnings to average equity (ytd only) | 0.7819% | 4,753 |
| Net charge-offs to loans | 0.1497% | 4,713 |
| Credit loss provision to net charge-offs | 512.5926% | 852 |
| Earnings coverage of net charge-offs (x) | 6.6519% | 3,307 |
| Efficiency ratio | 80.9867% | 2,450 |
| Assets per employee ($millions) | 3.4346% | 4,843 |
| Cash dividends to net income (ytd only)* | 64.3713% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,716 |
| Loan loss allowance to noncurrent loans | 17.0132% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 6.2836% | 456 |
| Noncurrent loans to loans | 8.7946% | 279 |
| Net loans and leases to total assets | 70.3795% | 3,932 |
| Net loans and leases to deposits | 83.6281% | 4,474 |
| Net loans and leases to core deposits | 105.1356% | 4,285 |
| Total domestic deposits to total assets | 84.1576% | 3,237 |
| Equity capital to assets | 11.4296% | 2,680 |
| Core capital (leverage) ratio | 11.8689% | 2,043 |
| Tier 1 risk-based capital ratio | 13.7493% | 3,669 |
| Total risk-based capital ratio | 14.9998% | 3,589 |
| Memoranda: | ||
| Average total assets | $131,522,600 | 4,246 |
| Average earning assets | $117,673,000 | 4,320 |
| Average equity | $15,218,600 | 4,094 |
| Average total loans | $90,209,400 | 4,220 |