Home > The First National Bank of Shelby > Performance and Condition Ratios
The First National Bank of Shelby, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 4,784 |
| Cost of funding earning assets | 0.8575% | 1,101 |
| Net interest margin | 2.9544% | 5,685 |
| Noninterest income to average assets | 0.8521% | 1,995 |
| Noninterest expense to average assets | 5.7013% | 234 |
| Loan and lease loss provision to assets | -0.2305% | 6,801 |
| Net operating income to assets | -1.9214% | 6,844 |
| Return on assets (ROA) | -1.9214% | 6,846 |
| Pretax return on assets | -1.9212% | 6,836 |
| Return on Equity (ROE) | -16.4239% | 6,804 |
| Retained earnings to average equity (ytd only) | -16.4239% | 6,769 |
| Net charge-offs to loans | 0.2227% | 2,399 |
| Credit loss provision to net charge-offs | -169.5906% | 5,702 |
| Earnings coverage of net charge-offs (x) | -15.8304% | 4,873 |
| Efficiency ratio | 160.6180% | 55 |
| Assets per employee ($millions) | 3.9233% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1613% | 494 |
| Loan loss allowance to noncurrent loans | 32.5628% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 6.6146% | 367 |
| Noncurrent loans to loans | 9.7084% | 169 |
| Net loans and leases to total assets | 61.4524% | 3,396 |
| Net loans and leases to deposits | 71.4093% | 3,530 |
| Net loans and leases to core deposits | 81.8767% | 2,812 |
| Total domestic deposits to total assets | 86.0566% | 3,333 |
| Equity capital to assets | 12.0340% | 1,894 |
| Core capital (leverage) ratio | 11.2473% | 2,136 |
| Tier 1 risk-based capital ratio | 17.4596% | 2,527 |
| Total risk-based capital ratio | 18.7321% | 2,490 |
| Memoranda: | ||
| Average total assets | $754,847,670 | 891 |
| Average earning assets | $689,206,000 | 881 |
| Average equity | $88,310,330 | 804 |
| Average total loans | $460,679,000 | 920 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 5,118 |
| Cost of funding earning assets | 0.9514% | 780 |
| Net interest margin | 2.7616% | 6,108 |
| Noninterest income to average assets | 0.8494% | 1,931 |
| Noninterest expense to average assets | 8.2455% | 117 |
| Loan and lease loss provision to assets | -0.3974% | 6,936 |
| Net operating income to assets | -4.4746% | 6,990 |
| Return on assets (ROA) | -4.4746% | 6,990 |
| Pretax return on assets | -4.4741% | 6,989 |
| Return on Equity (ROE) | -38.7376% | 6,953 |
| Retained earnings to average equity (ytd only) | -38.7376% | 6,932 |
| Net charge-offs to loans | -0.2346% | 6,715 |
| Credit loss provision to net charge-offs | 282.6087% | 840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.3824% | 20 |
| Assets per employee ($millions) | 3.9358% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1718% | 561 |
| Loan loss allowance to noncurrent loans | 34.4547% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 6.4656% | 464 |
| Noncurrent loans to loans | 9.2056% | 252 |
| Net loans and leases to total assets | 63.1179% | 2,868 |
| Net loans and leases to deposits | 74.3387% | 2,877 |
| Net loans and leases to core deposits | 85.1662% | 2,195 |
| Total domestic deposits to total assets | 84.9059% | 4,087 |
| Equity capital to assets | 11.9844% | 2,057 |
| Core capital (leverage) ratio | 10.3581% | 2,953 |
| Tier 1 risk-based capital ratio | 16.5816% | 2,962 |
| Total risk-based capital ratio | 17.8542% | 2,910 |
| Memoranda: | ||
| Average total assets | $785,060,500 | 866 |
| Average earning assets | $717,691,500 | 853 |
| Average equity | $90,682,000 | 787 |
| Average total loans | $470,683,500 | 900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 3,537 |
| Cost of funding earning assets | 1.3257% | 336 |
| Net interest margin | 3.1416% | 5,718 |
| Noninterest income to average assets | 0.7120% | 2,661 |
| Noninterest expense to average assets | 2.5766% | 4,836 |
| Loan and lease loss provision to assets | 0.9369% | 462 |
| Net operating income to assets | -0.3392% | 6,472 |
| Return on assets (ROA) | -0.3885% | 6,554 |
| Pretax return on assets | 0.0011% | 6,281 |
| Return on Equity (ROE) | -3.4096% | 6,517 |
| Retained earnings to average equity (ytd only) | -3.4096% | 6,297 |
| Net charge-offs to loans | 2.0979% | 339 |
| Credit loss provision to net charge-offs | 79.4845% | 3,848 |
| Earnings coverage of net charge-offs (x) | 0.8612% | 5,046 |
| Efficiency ratio | 71.7382% | 3,472 |
| Assets per employee ($millions) | 4.4937% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2278% | 536 |
| Loan loss allowance to noncurrent loans | 31.8246% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 6.0624% | 567 |
| Noncurrent loans to loans | 10.1426% | 227 |
| Net loans and leases to total assets | 53.7733% | 4,646 |
| Net loans and leases to deposits | 71.5838% | 3,484 |
| Net loans and leases to core deposits | 83.1559% | 2,652 |
| Total domestic deposits to total assets | 75.1195% | 6,433 |
| Equity capital to assets | 11.1873% | 2,751 |
| Core capital (leverage) ratio | 10.4122% | 2,869 |
| Tier 1 risk-based capital ratio | 17.9522% | 2,271 |
| Total risk-based capital ratio | 19.2249% | 2,239 |
| Memoranda: | ||
| Average total assets | $878,763,000 | 749 |
| Average earning assets | $805,473,400 | 741 |
| Average equity | $100,128,600 | 710 |
| Average total loans | $493,729,600 | 836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 3,184 |
| Cost of funding earning assets | 1.3487% | 353 |
| Net interest margin | 3.2552% | 5,526 |
| Noninterest income to average assets | 0.7063% | 2,682 |
| Noninterest expense to average assets | 2.5104% | 5,046 |
| Loan and lease loss provision to assets | 1.0886% | 359 |
| Net operating income to assets | 0.0563% | 6,200 |
| Return on assets (ROA) | 0.2691% | 5,919 |
| Pretax return on assets | 0.4239% | 5,661 |
| Return on Equity (ROE) | 2.3511% | 5,929 |
| Retained earnings to average equity (ytd only) | 2.3511% | 5,159 |
| Net charge-offs to loans | 2.3251% | 280 |
| Credit loss provision to net charge-offs | 83.1148% | 3,527 |
| Earnings coverage of net charge-offs (x) | 0.9010% | 4,882 |
| Efficiency ratio | 68.0234% | 4,060 |
| Assets per employee ($millions) | 4.6269% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3879% | 514 |
| Loan loss allowance to noncurrent loans | 28.5497% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 6.7653% | 542 |
| Noncurrent loans to loans | 11.8666% | 173 |
| Net loans and leases to total assets | 51.5364% | 5,111 |
| Net loans and leases to deposits | 70.5602% | 3,820 |
| Net loans and leases to core deposits | 82.3314% | 2,915 |
| Total domestic deposits to total assets | 73.0390% | 6,675 |
| Equity capital to assets | 11.4717% | 2,780 |
| Core capital (leverage) ratio | 10.9918% | 2,393 |
| Tier 1 risk-based capital ratio | 16.1521% | 3,189 |
| Total risk-based capital ratio | 17.4202% | 3,152 |
| Memoranda: | ||
| Average total assets | $885,001,750 | 746 |
| Average earning assets | $811,314,750 | 739 |
| Average equity | $101,281,250 | 703 |
| Average total loans | $498,553,250 | 832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 2,537 |
| Cost of funding earning assets | 1.3797% | 378 |
| Net interest margin | 3.4142% | 5,028 |
| Noninterest income to average assets | 0.6993% | 2,679 |
| Noninterest expense to average assets | 2.5095% | 5,107 |
| Loan and lease loss provision to assets | 1.0863% | 396 |
| Net operating income to assets | 0.1928% | 5,937 |
| Return on assets (ROA) | 0.1877% | 6,129 |
| Pretax return on assets | 0.2248% | 6,111 |
| Return on Equity (ROE) | 1.6415% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.6415% | 5,385 |
| Net charge-offs to loans | 1.3802% | 744 |
| Credit loss provision to net charge-offs | 137.2823% | 2,004 |
| Earnings coverage of net charge-offs (x) | 1.6646% | 4,157 |
| Efficiency ratio | 65.5805% | 4,603 |
| Assets per employee ($millions) | 4.5483% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7863% | 396 |
| Loan loss allowance to noncurrent loans | 32.3480% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 7.1308% | 546 |
| Noncurrent loans to loans | 11.7049% | 183 |
| Net loans and leases to total assets | 54.8310% | 4,658 |
| Net loans and leases to deposits | 72.8653% | 3,476 |
| Net loans and leases to core deposits | 86.1854% | 2,404 |
| Total domestic deposits to total assets | 75.2498% | 6,561 |
| Equity capital to assets | 11.7393% | 2,375 |
| Core capital (leverage) ratio | 10.8681% | 2,424 |
| Tier 1 risk-based capital ratio | 15.5995% | 3,385 |
| Total risk-based capital ratio | 16.8722% | 3,339 |
| Memoranda: | ||
| Average total assets | $885,425,000 | 748 |
| Average earning assets | $811,025,670 | 742 |
| Average equity | $101,248,670 | 705 |
| Average total loans | $507,599,330 | 821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 2,020 |
| Cost of funding earning assets | 1.4192% | 396 |
| Net interest margin | 3.5454% | 4,508 |
| Noninterest income to average assets | 0.7152% | 2,578 |
| Noninterest expense to average assets | 2.5264% | 5,068 |
| Loan and lease loss provision to assets | 0.7765% | 641 |
| Net operating income to assets | 0.4581% | 5,004 |
| Return on assets (ROA) | 0.4484% | 5,235 |
| Pretax return on assets | 0.6431% | 4,961 |
| Return on Equity (ROE) | 3.9730% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.9730% | 4,200 |
| Net charge-offs to loans | 1.3506% | 748 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.8461% | 3,416 |
| Efficiency ratio | 63.7997% | 4,954 |
| Assets per employee ($millions) | 4.6071% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4228% | 570 |
| Loan loss allowance to noncurrent loans | 41.7281% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 5.1042% | 1,007 |
| Noncurrent loans to loans | 8.2027% | 460 |
| Net loans and leases to total assets | 55.3379% | 4,501 |
| Net loans and leases to deposits | 74.5620% | 3,033 |
| Net loans and leases to core deposits | 89.0621% | 1,943 |
| Total domestic deposits to total assets | 74.2173% | 6,727 |
| Equity capital to assets | 11.3991% | 2,527 |
| Core capital (leverage) ratio | 10.5415% | 2,700 |
| Tier 1 risk-based capital ratio | 14.9823% | 3,776 |
| Total risk-based capital ratio | 16.2511% | 3,720 |
| Memoranda: | ||
| Average total assets | $893,777,500 | 743 |
| Average earning assets | $817,953,000 | 738 |
| Average equity | $100,882,000 | 704 |
| Average total loans | $513,862,500 | 810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 3,585 |
| Cost of funding earning assets | 1.5535% | 573 |
| Net interest margin | 3.2972% | 5,815 |
| Noninterest income to average assets | 0.7029% | 2,586 |
| Noninterest expense to average assets | 2.3930% | 5,794 |
| Loan and lease loss provision to assets | 1.4101% | 547 |
| Net operating income to assets | 0.0277% | 5,991 |
| Return on assets (ROA) | 0.0261% | 6,109 |
| Pretax return on assets | -0.0819% | 6,202 |
| Return on Equity (ROE) | 0.2471% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.2471% | 5,714 |
| Net charge-offs to loans | 2.3546% | 524 |
| Credit loss provision to net charge-offs | 105.3262% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.9941% | 5,050 |
| Efficiency ratio | 64.2608% | 5,081 |
| Assets per employee ($millions) | 4.4038% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3651% | 587 |
| Loan loss allowance to noncurrent loans | 38.7973% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 5.6388% | 899 |
| Noncurrent loans to loans | 8.6735% | 422 |
| Net loans and leases to total assets | 55.7443% | 4,756 |
| Net loans and leases to deposits | 75.1544% | 3,317 |
| Net loans and leases to core deposits | 90.9748% | 1,990 |
| Total domestic deposits to total assets | 74.1731% | 6,700 |
| Equity capital to assets | 11.1763% | 2,817 |
| Core capital (leverage) ratio | 10.2976% | 2,977 |
| Tier 1 risk-based capital ratio | 14.4597% | 4,000 |
| Total risk-based capital ratio | 15.7274% | 3,969 |
| Memoranda: | ||
| Average total assets | $948,026,400 | 687 |
| Average earning assets | $868,581,600 | 675 |
| Average equity | $99,959,200 | 686 |
| Average total loans | $539,038,400 | 779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 3,843 |
| Cost of funding earning assets | 1.5752% | 650 |
| Net interest margin | 3.2628% | 5,977 |
| Noninterest income to average assets | 0.6669% | 2,790 |
| Noninterest expense to average assets | 2.3850% | 5,805 |
| Loan and lease loss provision to assets | 1.3331% | 555 |
| Net operating income to assets | 0.0045% | 6,149 |
| Return on assets (ROA) | 0.0043% | 6,250 |
| Pretax return on assets | -0.0598% | 6,289 |
| Return on Equity (ROE) | 0.0414% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.0414% | 5,943 |
| Net charge-offs to loans | 2.1870% | 563 |
| Credit loss provision to net charge-offs | 107.5725% | 3,073 |
| Earnings coverage of net charge-offs (x) | 1.0277% | 4,864 |
| Efficiency ratio | 65.1893% | 4,862 |
| Assets per employee ($millions) | 4.5206% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3092% | 655 |
| Loan loss allowance to noncurrent loans | 37.8155% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 5.5791% | 991 |
| Noncurrent loans to loans | 8.7509% | 470 |
| Net loans and leases to total assets | 54.9837% | 5,000 |
| Net loans and leases to deposits | 74.4161% | 3,598 |
| Net loans and leases to core deposits | 90.0688% | 2,238 |
| Total domestic deposits to total assets | 73.8868% | 6,771 |
| Equity capital to assets | 10.7779% | 3,389 |
| Core capital (leverage) ratio | 10.1514% | 3,242 |
| Tier 1 risk-based capital ratio | 14.3748% | 4,070 |
| Total risk-based capital ratio | 15.6421% | 4,029 |
| Memoranda: | ||
| Average total assets | $960,438,000 | 689 |
| Average earning assets | $880,622,250 | 675 |
| Average equity | $99,847,500 | 693 |
| Average total loans | $544,239,250 | 781 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 4,190 |
| Cost of funding earning assets | 1.6003% | 693 |
| Net interest margin | 3.1765% | 6,225 |
| Noninterest income to average assets | 0.6768% | 2,671 |
| Noninterest expense to average assets | 2.3335% | 6,041 |
| Loan and lease loss provision to assets | 1.0958% | 751 |
| Net operating income to assets | 0.1850% | 5,795 |
| Return on assets (ROA) | 0.2635% | 5,627 |
| Pretax return on assets | 0.2386% | 5,839 |
| Return on Equity (ROE) | 2.5642% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.5642% | 4,661 |
| Net charge-offs to loans | 1.9360% | 704 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 1.1461% | 4,419 |
| Efficiency ratio | 65.0095% | 5,059 |
| Assets per employee ($millions) | 4.5822% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1011% | 818 |
| Loan loss allowance to noncurrent loans | 38.0787% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 5.3076% | 1,137 |
| Noncurrent loans to loans | 8.1440% | 546 |
| Net loans and leases to total assets | 55.2217% | 5,118 |
| Net loans and leases to deposits | 74.7647% | 3,680 |
| Net loans and leases to core deposits | 91.9068% | 2,148 |
| Total domestic deposits to total assets | 73.8607% | 6,856 |
| Equity capital to assets | 10.6418% | 3,341 |
| Core capital (leverage) ratio | 9.8863% | 3,403 |
| Tier 1 risk-based capital ratio | 13.8366% | 4,282 |
| Total risk-based capital ratio | 15.0943% | 4,248 |
| Memoranda: | ||
| Average total assets | $971,675,330 | 690 |
| Average earning assets | $890,982,000 | 678 |
| Average equity | $99,836,000 | 689 |
| Average total loans | $549,990,000 | 782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 4,329 |
| Cost of funding earning assets | 1.6269% | 738 |
| Net interest margin | 3.1140% | 6,310 |
| Noninterest income to average assets | 0.7070% | 2,538 |
| Noninterest expense to average assets | 2.3017% | 6,180 |
| Loan and lease loss provision to assets | 1.6586% | 367 |
| Net operating income to assets | -0.2630% | 6,621 |
| Return on assets (ROA) | -0.1582% | 6,534 |
| Pretax return on assets | -0.2400% | 6,568 |
| Return on Equity (ROE) | -1.5672% | 6,544 |
| Retained earnings to average equity (ytd only) | -1.5672% | 6,082 |
| Net charge-offs to loans | 2.9399% | 369 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.7596% | 4,068 |
| Efficiency ratio | 64.6259% | 5,257 |
| Assets per employee ($millions) | 4.7141% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0550% | 866 |
| Loan loss allowance to noncurrent loans | 36.4643% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 5.2893% | 1,166 |
| Noncurrent loans to loans | 8.3780% | 572 |
| Net loans and leases to total assets | 54.7775% | 5,199 |
| Net loans and leases to deposits | 75.8428% | 3,443 |
| Net loans and leases to core deposits | 95.0085% | 1,769 |
| Total domestic deposits to total assets | 72.2251% | 7,064 |
| Equity capital to assets | 10.2132% | 3,523 |
| Core capital (leverage) ratio | 9.4408% | 3,898 |
| Tier 1 risk-based capital ratio | 13.3510% | 4,542 |
| Total risk-based capital ratio | 14.6068% | 4,519 |
| Memoranda: | ||
| Average total assets | $983,256,500 | 684 |
| Average earning assets | $901,336,500 | 674 |
| Average equity | $99,284,500 | 684 |
| Average total loans | $554,711,000 | 785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 3,851 |
| Cost of funding earning assets | 1.9158% | 798 |
| Net interest margin | 3.2341% | 6,181 |
| Noninterest income to average assets | 0.6250% | 3,312 |
| Noninterest expense to average assets | 2.8842% | 4,301 |
| Loan and lease loss provision to assets | 1.5654% | 930 |
| Net operating income to assets | -0.7445% | 6,548 |
| Return on assets (ROA) | -0.7608% | 6,579 |
| Pretax return on assets | -0.8831% | 6,567 |
| Return on Equity (ROE) | -7.5046% | 6,586 |
| Retained earnings to average equity (ytd only) | -8.1091% | 6,544 |
| Net charge-offs to loans | 1.8697% | 1,107 |
| Credit loss provision to net charge-offs | 152.3481% | 2,355 |
| Earnings coverage of net charge-offs (x) | 0.6824% | 5,431 |
| Efficiency ratio | 64.3265% | 5,297 |
| Assets per employee ($millions) | 4.4838% | 2,903 |
| Cash dividends to net income (ytd only)* | -8.0544% | 7,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9896% | 878 |
| Loan loss allowance to noncurrent loans | 35.1994% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 5.1431% | 1,236 |
| Noncurrent loans to loans | 8.4934% | 580 |
| Net loans and leases to total assets | 54.6458% | 5,553 |
| Net loans and leases to deposits | 76.0069% | 3,840 |
| Net loans and leases to core deposits | 100.2961% | 1,593 |
| Total domestic deposits to total assets | 71.8958% | 7,091 |
| Equity capital to assets | 9.9847% | 3,754 |
| Core capital (leverage) ratio | 9.1708% | 4,228 |
| Tier 1 risk-based capital ratio | 13.1581% | 4,481 |
| Total risk-based capital ratio | 14.4125% | 4,435 |
| Memoranda: | ||
| Average total assets | $1,044,463,600 | 645 |
| Average earning assets | $956,063,600 | 627 |
| Average equity | $105,881,600 | 637 |
| Average total loans | $574,004,200 | 779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 4,003 |
| Cost of funding earning assets | 1.9728% | 819 |
| Net interest margin | 3.1945% | 6,360 |
| Noninterest income to average assets | 0.6436% | 3,163 |
| Noninterest expense to average assets | 2.3674% | 6,125 |
| Loan and lease loss provision to assets | 1.4529% | 926 |
| Net operating income to assets | -0.1609% | 6,262 |
| Return on assets (ROA) | -0.2212% | 6,402 |
| Pretax return on assets | -0.3486% | 6,446 |
| Return on Equity (ROE) | -2.1741% | 6,419 |
| Retained earnings to average equity (ytd only) | -2.9679% | 6,345 |
| Net charge-offs to loans | 1.6972% | 1,157 |
| Credit loss provision to net charge-offs | 156.6880% | 2,447 |
| Earnings coverage of net charge-offs (x) | 1.2924% | 4,786 |
| Efficiency ratio | 66.3918% | 4,774 |
| Assets per employee ($millions) | 4.7107% | 2,578 |
| Cash dividends to net income (ytd only)* | -36.5088% | 7,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6570% | 1,130 |
| Loan loss allowance to noncurrent loans | 47.4730% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.4207% | 2,074 |
| Noncurrent loans to loans | 5.5968% | 1,173 |
| Net loans and leases to total assets | 52.9243% | 5,992 |
| Net loans and leases to deposits | 74.0875% | 4,496 |
| Net loans and leases to core deposits | 100.5126% | 1,801 |
| Total domestic deposits to total assets | 71.4349% | 7,189 |
| Equity capital to assets | 10.2746% | 3,798 |
| Core capital (leverage) ratio | 9.3647% | 4,107 |
| Tier 1 risk-based capital ratio | 13.1760% | 4,439 |
| Total risk-based capital ratio | 14.4247% | 4,423 |
| Memoranda: | ||
| Average total assets | $1,056,728,750 | 631 |
| Average earning assets | $966,637,000 | 619 |
| Average equity | $107,505,000 | 616 |
| Average total loans | $577,328,000 | 782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 3,932 |
| Cost of funding earning assets | 2.0291% | 827 |
| Net interest margin | 3.1756% | 6,389 |
| Noninterest income to average assets | 0.6373% | 3,080 |
| Noninterest expense to average assets | 2.3532% | 6,206 |
| Loan and lease loss provision to assets | 1.3885% | 966 |
| Net operating income to assets | -0.1404% | 6,278 |
| Return on assets (ROA) | -0.2116% | 6,417 |
| Pretax return on assets | -0.3037% | 6,430 |
| Return on Equity (ROE) | -2.0871% | 6,427 |
| Retained earnings to average equity (ytd only) | -3.2829% | 6,336 |
| Net charge-offs to loans | 1.6635% | 1,133 |
| Credit loss provision to net charge-offs | 152.5286% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.3034% | 4,527 |
| Efficiency ratio | 66.4793% | 4,887 |
| Assets per employee ($millions) | 4.6460% | 2,657 |
| Cash dividends to net income (ytd only)* | -57.2963% | 7,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 1,477 |
| Loan loss allowance to noncurrent loans | 46.0686% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.2262% | 2,186 |
| Noncurrent loans to loans | 5.1397% | 1,332 |
| Net loans and leases to total assets | 53.4418% | 6,055 |
| Net loans and leases to deposits | 75.2111% | 4,486 |
| Net loans and leases to core deposits | 104.9906% | 1,539 |
| Total domestic deposits to total assets | 71.0556% | 7,262 |
| Equity capital to assets | 10.3026% | 3,648 |
| Core capital (leverage) ratio | 9.1134% | 4,443 |
| Tier 1 risk-based capital ratio | 13.2653% | 4,233 |
| Total risk-based capital ratio | 14.5130% | 4,198 |
| Memoranda: | ||
| Average total assets | $1,055,671,000 | 630 |
| Average earning assets | $964,851,000 | 619 |
| Average equity | $107,039,670 | 614 |
| Average total loans | $577,685,000 | 789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,680 |
| Cost of funding earning assets | 2.0698% | 890 |
| Net interest margin | 3.2026% | 6,285 |
| Noninterest income to average assets | 0.6181% | 3,152 |
| Noninterest expense to average assets | 2.3394% | 6,281 |
| Loan and lease loss provision to assets | 0.8567% | 1,485 |
| Net operating income to assets | 0.2863% | 5,346 |
| Return on assets (ROA) | 0.2367% | 5,669 |
| Pretax return on assets | 0.2818% | 5,656 |
| Return on Equity (ROE) | 2.3534% | 5,611 |
| Retained earnings to average equity (ytd only) | -0.0565% | 5,842 |
| Net charge-offs to loans | 0.5482% | 2,434 |
| Credit loss provision to net charge-offs | 285.6061% | 1,380 |
| Earnings coverage of net charge-offs (x) | 3.9924% | 2,731 |
| Efficiency ratio | 66.1420% | 5,085 |
| Assets per employee ($millions) | 4.7029% | 2,649 |
| Cash dividends to net income (ytd only)* | 102.4000% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,790 |
| Loan loss allowance to noncurrent loans | 51.8453% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 2,774 |
| Noncurrent loans to loans | 4.2122% | 1,829 |
| Net loans and leases to total assets | 52.6959% | 6,197 |
| Net loans and leases to deposits | 74.9873% | 4,586 |
| Net loans and leases to core deposits | 106.0017% | 1,574 |
| Total domestic deposits to total assets | 70.2731% | 7,394 |
| Equity capital to assets | 10.0223% | 3,838 |
| Core capital (leverage) ratio | 9.6352% | 3,590 |
| Tier 1 risk-based capital ratio | 13.6813% | 3,877 |
| Total risk-based capital ratio | 14.9216% | 3,836 |
| Memoranda: | ||
| Average total assets | $1,056,181,000 | 644 |
| Average earning assets | $962,588,000 | 633 |
| Average equity | $106,231,500 | 621 |
| Average total loans | $577,881,000 | 806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 2,182 |
| Cost of funding earning assets | 2.3847% | 1,349 |
| Net interest margin | 3.5278% | 4,828 |
| Noninterest income to average assets | 0.6547% | 3,256 |
| Noninterest expense to average assets | 2.4308% | 6,370 |
| Loan and lease loss provision to assets | 0.8399% | 2,630 |
| Net operating income to assets | 0.4482% | 3,936 |
| Return on assets (ROA) | 0.4367% | 4,101 |
| Pretax return on assets | 0.5918% | 3,922 |
| Return on Equity (ROE) | 4.2911% | 3,967 |
| Retained earnings to average equity (ytd only) | 1.8570% | 3,799 |
| Net charge-offs to loans | 0.8980% | 2,593 |
| Credit loss provision to net charge-offs | 165.7121% | 2,627 |
| Earnings coverage of net charge-offs (x) | 2.8553% | 3,658 |
| Efficiency ratio | 62.6818% | 6,025 |
| Assets per employee ($millions) | 4.5026% | 2,919 |
| Cash dividends to net income (ytd only)* | 56.7250% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 2,198 |
| Loan loss allowance to noncurrent loans | 60.1003% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 3,180 |
| Noncurrent loans to loans | 3.2077% | 2,378 |
| Net loans and leases to total assets | 54.5106% | 6,140 |
| Net loans and leases to deposits | 80.6217% | 3,868 |
| Net loans and leases to core deposits | 123.2535% | 1,697 |
| Total domestic deposits to total assets | 67.6127% | 7,574 |
| Equity capital to assets | 10.0950% | 3,626 |
| Core capital (leverage) ratio | 9.6665% | 3,504 |
| Tier 1 risk-based capital ratio | 13.5531% | 3,790 |
| Total risk-based capital ratio | 14.7868% | 3,745 |
| Memoranda: | ||
| Average total assets | $1,033,428,600 | 650 |
| Average earning assets | $944,247,200 | 641 |
| Average equity | $105,171,000 | 618 |
| Average total loans | $583,276,400 | 819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9852% | 2,099 |
| Cost of funding earning assets | 2.4215% | 1,556 |
| Net interest margin | 3.5637% | 4,619 |
| Noninterest income to average assets | 0.6118% | 3,607 |
| Noninterest expense to average assets | 2.4276% | 6,324 |
| Loan and lease loss provision to assets | 0.6992% | 2,639 |
| Net operating income to assets | 0.5186% | 3,906 |
| Return on assets (ROA) | 0.5055% | 4,048 |
| Pretax return on assets | 0.7238% | 3,780 |
| Return on Equity (ROE) | 4.9574% | 3,982 |
| Retained earnings to average equity (ytd only) | 2.5243% | 3,912 |
| Net charge-offs to loans | 0.4516% | 3,424 |
| Credit loss provision to net charge-offs | 273.2828% | 1,551 |
| Earnings coverage of net charge-offs (x) | 5.6344% | 2,767 |
| Efficiency ratio | 62.7413% | 5,972 |
| Assets per employee ($millions) | 4.5467% | 2,783 |
| Cash dividends to net income (ytd only)* | 49.0798% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 2,064 |
| Loan loss allowance to noncurrent loans | 81.5081% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 3,994 |
| Noncurrent loans to loans | 2.3151% | 3,247 |
| Net loans and leases to total assets | 54.8823% | 6,287 |
| Net loans and leases to deposits | 82.7087% | 3,889 |
| Net loans and leases to core deposits | 119.5129% | 2,291 |
| Total domestic deposits to total assets | 66.3561% | 7,664 |
| Equity capital to assets | 10.2456% | 3,794 |
| Core capital (leverage) ratio | 10.0886% | 3,189 |
| Tier 1 risk-based capital ratio | 13.1014% | 4,119 |
| Total risk-based capital ratio | 14.2823% | 4,104 |
| Memoranda: | ||
| Average total assets | $1,031,762,250 | 663 |
| Average earning assets | $943,125,750 | 653 |
| Average equity | $105,214,500 | 629 |
| Average total loans | $584,569,000 | 832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 1,970 |
| Cost of funding earning assets | 2.4769% | 1,696 |
| Net interest margin | 3.5762% | 4,462 |
| Noninterest income to average assets | 0.5617% | 3,945 |
| Noninterest expense to average assets | 2.4799% | 6,178 |
| Loan and lease loss provision to assets | 0.6150% | 2,595 |
| Net operating income to assets | 0.5456% | 3,901 |
| Return on assets (ROA) | 0.5166% | 4,144 |
| Pretax return on assets | 0.6970% | 4,004 |
| Return on Equity (ROE) | 5.0738% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.6184% | 3,869 |
| Net charge-offs to loans | 0.4170% | 3,130 |
| Credit loss provision to net charge-offs | 259.1770% | 1,794 |
| Earnings coverage of net charge-offs (x) | 5.6947% | 2,780 |
| Efficiency ratio | 64.7296% | 5,767 |
| Assets per employee ($millions) | 4.4726% | 2,810 |
| Cash dividends to net income (ytd only)* | 48.3932% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,553 |
| Loan loss allowance to noncurrent loans | 92.4412% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 4,231 |
| Noncurrent loans to loans | 1.7774% | 3,834 |
| Net loans and leases to total assets | 55.5967% | 6,255 |
| Net loans and leases to deposits | 84.3241% | 3,818 |
| Net loans and leases to core deposits | 117.9399% | 2,547 |
| Total domestic deposits to total assets | 65.9322% | 7,746 |
| Equity capital to assets | 10.0533% | 3,867 |
| Core capital (leverage) ratio | 10.0735% | 3,217 |
| Tier 1 risk-based capital ratio | 13.0310% | 4,124 |
| Total risk-based capital ratio | 14.2044% | 4,097 |
| Memoranda: | ||
| Average total assets | $1,024,074,670 | 682 |
| Average earning assets | $936,243,670 | 675 |
| Average equity | $104,261,670 | 639 |
| Average total loans | $582,743,330 | 853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1141% | 1,896 |
| Cost of funding earning assets | 2.5305% | 1,799 |
| Net interest margin | 3.5836% | 4,389 |
| Noninterest income to average assets | 0.6445% | 3,233 |
| Noninterest expense to average assets | 2.4512% | 6,019 |
| Loan and lease loss provision to assets | 0.5296% | 2,350 |
| Net operating income to assets | 0.6630% | 3,745 |
| Return on assets (ROA) | 0.7199% | 3,660 |
| Pretax return on assets | 1.0286% | 3,252 |
| Return on Equity (ROE) | 7.0265% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.5705% | 3,389 |
| Net charge-offs to loans | 0.3836% | 2,564 |
| Credit loss provision to net charge-offs | 241.8312% | 1,930 |
| Earnings coverage of net charge-offs (x) | 6.7433% | 2,447 |
| Efficiency ratio | 62.4024% | 5,981 |
| Assets per employee ($millions) | 4.5538% | 2,639 |
| Cash dividends to net income (ytd only)* | 34.9536% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 3,215 |
| Loan loss allowance to noncurrent loans | 94.7562% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 4,327 |
| Noncurrent loans to loans | 1.5329% | 3,983 |
| Net loans and leases to total assets | 55.0164% | 6,354 |
| Net loans and leases to deposits | 87.5166% | 3,377 |
| Net loans and leases to core deposits | 122.3418% | 2,228 |
| Total domestic deposits to total assets | 62.8640% | 7,886 |
| Equity capital to assets | 10.1629% | 3,808 |
| Core capital (leverage) ratio | 9.8726% | 3,558 |
| Tier 1 risk-based capital ratio | 13.2068% | 4,048 |
| Total risk-based capital ratio | 14.3228% | 4,052 |
| Memoranda: | ||
| Average total assets | $1,017,295,500 | 679 |
| Average earning assets | $932,142,500 | 674 |
| Average equity | $104,234,500 | 641 |
| Average total loans | $580,851,500 | 858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7469% | 1,877 |
| Cost of funding earning assets | 3.0560% | 1,657 |
| Net interest margin | 3.6909% | 4,511 |
| Noninterest income to average assets | 0.8660% | 2,132 |
| Noninterest expense to average assets | 2.2979% | 6,710 |
| Loan and lease loss provision to assets | 0.6321% | 2,296 |
| Net operating income to assets | 0.9953% | 2,576 |
| Return on assets (ROA) | -0.9696% | 7,154 |
| Pretax return on assets | -1.7639% | 7,360 |
| Return on Equity (ROE) | -8.4449% | 7,153 |
| Retained earnings to average equity (ytd only) | -10.7367% | 7,140 |
| Net charge-offs to loans | 0.9264% | 1,340 |
| Credit loss provision to net charge-offs | 119.7896% | 4,491 |
| Earnings coverage of net charge-offs (x) | 3.6734% | 4,258 |
| Efficiency ratio | 54.2435% | 7,243 |
| Assets per employee ($millions) | 4.4270% | 2,734 |
| Cash dividends to net income (ytd only)* | -27.1388% | 7,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 3,562 |
| Loan loss allowance to noncurrent loans | 101.8915% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 4,296 |
| Noncurrent loans to loans | 1.3103% | 3,891 |
| Net loans and leases to total assets | 57.6651% | 6,254 |
| Net loans and leases to deposits | 90.4993% | 3,365 |
| Net loans and leases to core deposits | 123.0771% | 2,391 |
| Total domestic deposits to total assets | 63.7188% | 7,809 |
| Equity capital to assets | 10.3346% | 3,680 |
| Core capital (leverage) ratio | 9.7795% | 3,678 |
| Tier 1 risk-based capital ratio | 14.2456% | 3,423 |
| Total risk-based capital ratio | 15.3505% | 3,411 |
| Memoranda: | ||
| Average total assets | $972,924,200 | 678 |
| Average earning assets | $888,396,400 | 676 |
| Average equity | $111,701,200 | 602 |
| Average total loans | $554,172,000 | 864 |