Home > The Foster Bank > Performance and Condition Ratios
The Foster Bank, 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 | 4.2030% | 3,358 |
| Cost of funding earning assets | 0.4589% | 4,327 |
| Net interest margin | 3.7441% | 2,788 |
| Noninterest income to average assets | 1.1331% | 1,185 |
| Noninterest expense to average assets | 4.1768% | 714 |
| Loan and lease loss provision to assets | 0.9851% | 192 |
| Net operating income to assets | -0.6123% | 6,669 |
| Return on assets (ROA) | -0.6123% | 6,682 |
| Pretax return on assets | -0.6123% | 6,664 |
| Return on Equity (ROE) | -10.6006% | 6,750 |
| Retained earnings to average equity (ytd only) | -10.6006% | 6,678 |
| Net charge-offs to loans | 2.1384% | 197 |
| Credit loss provision to net charge-offs | 58.0703% | 3,054 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 4,472 |
| Efficiency ratio | 91.8055% | 904 |
| Assets per employee ($millions) | 3.3973% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2608% | 455 |
| Loan loss allowance to noncurrent loans | 21.3836% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 15.4091% | 56 |
| Noncurrent loans to loans | 15.2492% | 47 |
| Net loans and leases to total assets | 76.8078% | 887 |
| Net loans and leases to deposits | 87.6972% | 1,378 |
| Net loans and leases to core deposits | 96.3421% | 1,324 |
| Total domestic deposits to total assets | 87.5830% | 2,503 |
| Equity capital to assets | 5.8689% | 6,749 |
| Core capital (leverage) ratio | 5.7541% | 6,772 |
| Tier 1 risk-based capital ratio | 7.3973% | 6,826 |
| Total risk-based capital ratio | 8.6724% | 6,826 |
| Memoranda: | ||
| Average total assets | $395,903,330 | 1,672 |
| Average earning assets | $361,264,330 | 1,676 |
| Average equity | $22,866,670 | 2,880 |
| Average total loans | $314,068,670 | 1,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,120 |
| Cost of funding earning assets | 0.4598% | 4,487 |
| Net interest margin | 3.7889% | 2,492 |
| Noninterest income to average assets | 1.1655% | 1,102 |
| Noninterest expense to average assets | 4.0435% | 842 |
| Loan and lease loss provision to assets | 1.6353% | 83 |
| Net operating income to assets | -1.0585% | 6,824 |
| Return on assets (ROA) | -1.0585% | 6,833 |
| Pretax return on assets | -1.0585% | 6,816 |
| Return on Equity (ROE) | -18.4659% | 6,888 |
| Retained earnings to average equity (ytd only) | -18.4659% | 6,814 |
| Net charge-offs to loans | 3.4794% | 88 |
| Credit loss provision to net charge-offs | 59.2672% | 2,466 |
| Earnings coverage of net charge-offs (x) | 0.2091% | 3,747 |
| Efficiency ratio | 87.5161% | 1,374 |
| Assets per employee ($millions) | 3.4657% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2330% | 528 |
| Loan loss allowance to noncurrent loans | 21.3756% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 15.0535% | 73 |
| Noncurrent loans to loans | 15.1246% | 74 |
| Net loans and leases to total assets | 76.7058% | 749 |
| Net loans and leases to deposits | 88.7373% | 1,078 |
| Net loans and leases to core deposits | 97.1763% | 1,135 |
| Total domestic deposits to total assets | 86.4414% | 3,280 |
| Equity capital to assets | 5.7173% | 6,846 |
| Core capital (leverage) ratio | 5.5508% | 6,839 |
| Tier 1 risk-based capital ratio | 7.1100% | 6,894 |
| Total risk-based capital ratio | 8.3847% | 6,894 |
| Memoranda: | ||
| Average total assets | $403,607,500 | 1,657 |
| Average earning assets | $368,019,000 | 1,663 |
| Average equity | $23,134,500 | 2,904 |
| Average total loans | $320,052,500 | 1,325 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 2,350 |
| Cost of funding earning assets | 0.5240% | 5,035 |
| Net interest margin | 4.2387% | 1,549 |
| Noninterest income to average assets | 0.7567% | 2,461 |
| Noninterest expense to average assets | 4.0840% | 881 |
| Loan and lease loss provision to assets | 2.6077% | 55 |
| Net operating income to assets | -2.0752% | 6,938 |
| Return on assets (ROA) | -2.0752% | 6,945 |
| Pretax return on assets | -2.0752% | 6,938 |
| Return on Equity (ROE) | -32.0543% | 6,961 |
| Retained earnings to average equity (ytd only) | -32.0543% | 6,944 |
| Net charge-offs to loans | 3.5805% | 100 |
| Credit loss provision to net charge-offs | 87.3898% | 3,577 |
| Earnings coverage of net charge-offs (x) | 0.1785% | 5,395 |
| Efficiency ratio | 88.4650% | 1,197 |
| Assets per employee ($millions) | 3.4344% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4439% | 449 |
| Loan loss allowance to noncurrent loans | 24.8763% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 13.6404% | 98 |
| Noncurrent loans to loans | 13.8441% | 107 |
| Net loans and leases to total assets | 76.5943% | 840 |
| Net loans and leases to deposits | 88.3094% | 1,231 |
| Net loans and leases to core deposits | 99.3673% | 1,059 |
| Total domestic deposits to total assets | 86.7340% | 2,971 |
| Equity capital to assets | 5.7460% | 6,905 |
| Core capital (leverage) ratio | 5.6219% | 6,888 |
| Tier 1 risk-based capital ratio | 7.1637% | 6,948 |
| Total risk-based capital ratio | 8.4413% | 6,945 |
| Memoranda: | ||
| Average total assets | $437,165,800 | 1,513 |
| Average earning assets | $398,090,600 | 1,515 |
| Average equity | $28,302,000 | 2,372 |
| Average total loans | $364,337,200 | 1,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 2,109 |
| Cost of funding earning assets | 0.5354% | 5,209 |
| Net interest margin | 4.3393% | 1,377 |
| Noninterest income to average assets | 0.7803% | 2,330 |
| Noninterest expense to average assets | 4.2628% | 680 |
| Loan and lease loss provision to assets | 3.1572% | 32 |
| Net operating income to assets | -2.6842% | 7,101 |
| Return on assets (ROA) | -2.6842% | 7,103 |
| Pretax return on assets | -2.6842% | 7,093 |
| Return on Equity (ROE) | -40.4056% | 7,101 |
| Retained earnings to average equity (ytd only) | -40.4056% | 7,094 |
| Net charge-offs to loans | 4.0553% | 81 |
| Credit loss provision to net charge-offs | 92.3808% | 3,224 |
| Earnings coverage of net charge-offs (x) | 0.1384% | 5,265 |
| Efficiency ratio | 90.0127% | 1,040 |
| Assets per employee ($millions) | 3.5284% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4852% | 475 |
| Loan loss allowance to noncurrent loans | 25.5037% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 13.3765% | 119 |
| Noncurrent loans to loans | 13.6653% | 116 |
| Net loans and leases to total assets | 78.7349% | 646 |
| Net loans and leases to deposits | 95.5089% | 691 |
| Net loans and leases to core deposits | 107.6033% | 665 |
| Total domestic deposits to total assets | 82.4373% | 4,859 |
| Equity capital to assets | 5.6402% | 7,009 |
| Core capital (leverage) ratio | 5.4063% | 6,987 |
| Tier 1 risk-based capital ratio | 6.8622% | 7,057 |
| Total risk-based capital ratio | 8.1406% | 7,056 |
| Memoranda: | ||
| Average total assets | $443,424,750 | 1,501 |
| Average earning assets | $404,203,000 | 1,510 |
| Average equity | $29,457,250 | 2,303 |
| Average total loans | $373,689,750 | 1,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,829 |
| Cost of funding earning assets | 0.5422% | 5,357 |
| Net interest margin | 4.4409% | 1,103 |
| Noninterest income to average assets | 0.7674% | 2,343 |
| Noninterest expense to average assets | 4.0169% | 922 |
| Loan and lease loss provision to assets | 2.1329% | 123 |
| Net operating income to assets | -1.3464% | 6,987 |
| Return on assets (ROA) | -1.3464% | 7,006 |
| Pretax return on assets | -1.3464% | 6,983 |
| Return on Equity (ROE) | -19.3511% | 7,030 |
| Retained earnings to average equity (ytd only) | -19.3511% | 7,005 |
| Net charge-offs to loans | 2.8795% | 210 |
| Credit loss provision to net charge-offs | 87.0196% | 3,131 |
| Earnings coverage of net charge-offs (x) | 0.3209% | 4,917 |
| Efficiency ratio | 83.6263% | 1,672 |
| Assets per employee ($millions) | 3.7639% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3670% | 560 |
| Loan loss allowance to noncurrent loans | 39.8106% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 9.1716% | 323 |
| Noncurrent loans to loans | 8.4575% | 386 |
| Net loans and leases to total assets | 78.7580% | 643 |
| Net loans and leases to deposits | 97.4995% | 553 |
| Net loans and leases to core deposits | 110.6290% | 555 |
| Total domestic deposits to total assets | 80.7779% | 5,538 |
| Equity capital to assets | 6.7030% | 6,953 |
| Core capital (leverage) ratio | 6.5803% | 6,912 |
| Tier 1 risk-based capital ratio | 8.3408% | 7,024 |
| Total risk-based capital ratio | 9.6183% | 7,025 |
| Memoranda: | ||
| Average total assets | $450,097,000 | 1,480 |
| Average earning assets | $409,064,330 | 1,491 |
| Average equity | $31,316,000 | 2,183 |
| Average total loans | $383,117,000 | 1,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 1,653 |
| Cost of funding earning assets | 0.5614% | 5,422 |
| Net interest margin | 4.5129% | 984 |
| Noninterest income to average assets | 0.4450% | 4,325 |
| Noninterest expense to average assets | 3.8316% | 1,167 |
| Loan and lease loss provision to assets | 1.9864% | 141 |
| Net operating income to assets | -1.2784% | 7,044 |
| Return on assets (ROA) | -1.2784% | 7,060 |
| Pretax return on assets | -1.2784% | 7,033 |
| Return on Equity (ROE) | -18.0501% | 7,094 |
| Retained earnings to average equity (ytd only) | -18.0501% | 7,020 |
| Net charge-offs to loans | 0.7072% | 1,412 |
| Credit loss provision to net charge-offs | 323.2759% | 926 |
| Earnings coverage of net charge-offs (x) | 1.1523% | 3,760 |
| Efficiency ratio | 84.4030% | 1,645 |
| Assets per employee ($millions) | 3.8990% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7293% | 452 |
| Loan loss allowance to noncurrent loans | 41.9522% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 10.1570% | 287 |
| Noncurrent loans to loans | 8.8895% | 393 |
| Net loans and leases to total assets | 84.7118% | 163 |
| Net loans and leases to deposits | 106.6348% | 194 |
| Net loans and leases to core deposits | 132.1023% | 188 |
| Total domestic deposits to total assets | 79.4411% | 5,990 |
| Equity capital to assets | 7.1174% | 6,909 |
| Core capital (leverage) ratio | 6.7774% | 6,911 |
| Tier 1 risk-based capital ratio | 8.2212% | 7,084 |
| Total risk-based capital ratio | 9.5033% | 7,082 |
| Memoranda: | ||
| Average total assets | $453,073,500 | 1,473 |
| Average earning assets | $411,087,000 | 1,479 |
| Average equity | $32,088,500 | 2,146 |
| Average total loans | $393,682,000 | 1,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 2,334 |
| Cost of funding earning assets | 0.7096% | 5,477 |
| Net interest margin | 4.4192% | 1,348 |
| Noninterest income to average assets | 0.9167% | 1,616 |
| Noninterest expense to average assets | 3.5924% | 1,762 |
| Loan and lease loss provision to assets | 4.6457% | 29 |
| Net operating income to assets | -3.2545% | 7,207 |
| Return on assets (ROA) | -3.2545% | 7,211 |
| Pretax return on assets | -3.2545% | 7,212 |
| Return on Equity (ROE) | -36.3599% | 7,142 |
| Retained earnings to average equity (ytd only) | -36.6913% | 7,138 |
| Net charge-offs to loans | 4.7723% | 92 |
| Credit loss provision to net charge-offs | 111.8562% | 2,962 |
| Earnings coverage of net charge-offs (x) | 0.3350% | 5,570 |
| Efficiency ratio | 72.0843% | 3,562 |
| Assets per employee ($millions) | 4.0839% | 3,680 |
| Cash dividends to net income (ytd only)* | -0.9115% | 7,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2286% | 664 |
| Loan loss allowance to noncurrent loans | 30.7443% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 11.5578% | 239 |
| Noncurrent loans to loans | 10.5014% | 286 |
| Net loans and leases to total assets | 83.0769% | 270 |
| Net loans and leases to deposits | 105.0496% | 275 |
| Net loans and leases to core deposits | 129.1121% | 245 |
| Total domestic deposits to total assets | 79.0834% | 5,977 |
| Equity capital to assets | 7.0493% | 6,953 |
| Core capital (leverage) ratio | 6.7330% | 6,935 |
| Tier 1 risk-based capital ratio | 8.2663% | 7,094 |
| Total risk-based capital ratio | 9.5417% | 7,095 |
| Memoranda: | ||
| Average total assets | $512,362,000 | 1,305 |
| Average earning assets | $471,510,400 | 1,298 |
| Average equity | $45,861,000 | 1,486 |
| Average total loans | $445,909,200 | 935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 2,417 |
| Cost of funding earning assets | 0.7348% | 5,560 |
| Net interest margin | 4.4074% | 1,388 |
| Noninterest income to average assets | 1.2678% | 803 |
| Noninterest expense to average assets | 3.3405% | 2,372 |
| Loan and lease loss provision to assets | 2.8177% | 126 |
| Net operating income to assets | -0.8228% | 6,805 |
| Return on assets (ROA) | -0.8228% | 6,844 |
| Pretax return on assets | -0.8190% | 6,794 |
| Return on Equity (ROE) | -8.7780% | 6,855 |
| Retained earnings to average equity (ytd only) | -9.1906% | 6,829 |
| Net charge-offs to loans | 2.5657% | 417 |
| Credit loss provision to net charge-offs | 125.8094% | 2,550 |
| Earnings coverage of net charge-offs (x) | 0.8924% | 4,952 |
| Efficiency ratio | 62.5655% | 5,317 |
| Assets per employee ($millions) | 3.8973% | 4,077 |
| Cash dividends to net income (ytd only)* | -4.7000% | 7,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9055% | 929 |
| Loan loss allowance to noncurrent loans | 25.7877% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 12.2959% | 218 |
| Noncurrent loans to loans | 11.2669% | 278 |
| Net loans and leases to total assets | 85.4295% | 147 |
| Net loans and leases to deposits | 106.7576% | 234 |
| Net loans and leases to core deposits | 133.9972% | 209 |
| Total domestic deposits to total assets | 80.0219% | 5,727 |
| Equity capital to assets | 9.3603% | 5,289 |
| Core capital (leverage) ratio | 8.8691% | 5,160 |
| Tier 1 risk-based capital ratio | 10.8439% | 6,637 |
| Total risk-based capital ratio | 12.1156% | 6,599 |
| Memoranda: | ||
| Average total assets | $524,061,500 | 1,279 |
| Average earning assets | $484,108,750 | 1,265 |
| Average equity | $49,121,500 | 1,392 |
| Average total loans | $457,466,500 | 928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 2,384 |
| Cost of funding earning assets | 0.7533% | 5,649 |
| Net interest margin | 4.4147% | 1,326 |
| Noninterest income to average assets | 1.3942% | 655 |
| Noninterest expense to average assets | 3.3030% | 2,552 |
| Loan and lease loss provision to assets | 1.9672% | 318 |
| Net operating income to assets | 0.2053% | 5,722 |
| Return on assets (ROA) | 0.2053% | 5,837 |
| Pretax return on assets | 0.2087% | 5,913 |
| Return on Equity (ROE) | 2.1897% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.5823% | 5,193 |
| Net charge-offs to loans | 1.9962% | 672 |
| Credit loss provision to net charge-offs | 113.1709% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.2518% | 4,351 |
| Efficiency ratio | 60.2859% | 5,829 |
| Assets per employee ($millions) | 4.1243% | 3,502 |
| Cash dividends to net income (ytd only)* | 27.7372% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4571% | 1,514 |
| Loan loss allowance to noncurrent loans | 26.2734% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 10.1440% | 381 |
| Noncurrent loans to loans | 9.3520% | 436 |
| Net loans and leases to total assets | 82.6600% | 325 |
| Net loans and leases to deposits | 102.7026% | 358 |
| Net loans and leases to core deposits | 131.2334% | 261 |
| Total domestic deposits to total assets | 80.4848% | 5,681 |
| Equity capital to assets | 9.4852% | 4,833 |
| Core capital (leverage) ratio | 9.4478% | 4,031 |
| Tier 1 risk-based capital ratio | 11.4248% | 6,232 |
| Total risk-based capital ratio | 12.6908% | 6,205 |
| Memoranda: | ||
| Average total assets | $533,764,670 | 1,251 |
| Average earning assets | $493,849,670 | 1,236 |
| Average equity | $50,052,330 | 1,345 |
| Average total loans | $464,792,670 | 930 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 1,587 |
| Cost of funding earning assets | 0.7549% | 5,830 |
| Net interest margin | 4.6371% | 801 |
| Noninterest income to average assets | 0.7431% | 2,297 |
| Noninterest expense to average assets | 3.2950% | 2,572 |
| Loan and lease loss provision to assets | 1.1180% | 647 |
| Net operating income to assets | 0.5918% | 4,075 |
| Return on assets (ROA) | 0.5918% | 4,145 |
| Pretax return on assets | 0.6380% | 4,543 |
| Return on Equity (ROE) | 6.3467% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.7472% | 2,778 |
| Net charge-offs to loans | 2.1034% | 596 |
| Credit loss provision to net charge-offs | 60.2410% | 3,541 |
| Earnings coverage of net charge-offs (x) | 0.9462% | 3,942 |
| Efficiency ratio | 65.2354% | 5,161 |
| Assets per employee ($millions) | 4.2522% | 3,333 |
| Cash dividends to net income (ytd only)* | 9.4458% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 2,394 |
| Loan loss allowance to noncurrent loans | 43.3124% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 5.6328% | 1,056 |
| Noncurrent loans to loans | 4.6391% | 1,495 |
| Net loans and leases to total assets | 84.8074% | 185 |
| Net loans and leases to deposits | 104.7963% | 289 |
| Net loans and leases to core deposits | 141.6821% | 185 |
| Total domestic deposits to total assets | 80.9259% | 5,683 |
| Equity capital to assets | 9.3296% | 4,677 |
| Core capital (leverage) ratio | 9.2500% | 4,211 |
| Tier 1 risk-based capital ratio | 11.1169% | 6,423 |
| Total risk-based capital ratio | 12.3794% | 6,386 |
| Memoranda: | ||
| Average total assets | $536,693,500 | 1,253 |
| Average earning assets | $498,588,500 | 1,235 |
| Average equity | $50,042,000 | 1,333 |
| Average total loans | $473,509,000 | 923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 2,302 |
| Cost of funding earning assets | 1.2388% | 4,299 |
| Net interest margin | 4.2574% | 1,967 |
| Noninterest income to average assets | 0.7600% | 2,483 |
| Noninterest expense to average assets | 3.4638% | 2,264 |
| Loan and lease loss provision to assets | 1.6959% | 835 |
| Net operating income to assets | -0.3952% | 6,309 |
| Return on assets (ROA) | -0.3952% | 6,337 |
| Pretax return on assets | -0.3921% | 6,240 |
| Return on Equity (ROE) | -4.1404% | 6,367 |
| Retained earnings to average equity (ytd only) | -6.0462% | 6,385 |
| Net charge-offs to loans | 1.3197% | 1,695 |
| Credit loss provision to net charge-offs | 143.2292% | 2,607 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 5,011 |
| Efficiency ratio | 72.6536% | 3,666 |
| Assets per employee ($millions) | 4.1997% | 3,382 |
| Cash dividends to net income (ytd only)* | -46.0303% | 7,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 1,935 |
| Loan loss allowance to noncurrent loans | 39.0337% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 6.2118% | 932 |
| Noncurrent loans to loans | 5.5448% | 1,180 |
| Net loans and leases to total assets | 87.9825% | 101 |
| Net loans and leases to deposits | 108.9410% | 249 |
| Net loans and leases to core deposits | 144.0508% | 199 |
| Total domestic deposits to total assets | 80.7616% | 5,606 |
| Equity capital to assets | 9.3185% | 4,665 |
| Core capital (leverage) ratio | 8.7790% | 4,885 |
| Tier 1 risk-based capital ratio | 10.8386% | 6,457 |
| Total risk-based capital ratio | 12.1014% | 6,415 |
| Memoranda: | ||
| Average total assets | $551,336,600 | 1,217 |
| Average earning assets | $518,983,200 | 1,187 |
| Average equity | $52,628,400 | 1,269 |
| Average total loans | $494,668,200 | 905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4923% | 2,455 |
| Cost of funding earning assets | 1.3234% | 4,084 |
| Net interest margin | 4.1689% | 2,337 |
| Noninterest income to average assets | 0.7095% | 2,770 |
| Noninterest expense to average assets | 3.0714% | 3,470 |
| Loan and lease loss provision to assets | 1.0794% | 1,353 |
| Net operating income to assets | 0.4809% | 4,398 |
| Return on assets (ROA) | 0.4809% | 4,600 |
| Pretax return on assets | 0.4903% | 4,958 |
| Return on Equity (ROE) | 5.0099% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.6936% | 4,540 |
| Net charge-offs to loans | 1.0606% | 1,912 |
| Credit loss provision to net charge-offs | 113.4931% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.6504% | 4,468 |
| Efficiency ratio | 66.1774% | 4,822 |
| Assets per employee ($millions) | 4.5069% | 2,896 |
| Cash dividends to net income (ytd only)* | 46.2344% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 3,333 |
| Loan loss allowance to noncurrent loans | 32.9145% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 5.7858% | 1,050 |
| Noncurrent loans to loans | 5.0128% | 1,374 |
| Net loans and leases to total assets | 85.6415% | 229 |
| Net loans and leases to deposits | 107.6033% | 304 |
| Net loans and leases to core deposits | 151.0639% | 187 |
| Total domestic deposits to total assets | 79.5900% | 5,837 |
| Equity capital to assets | 9.5931% | 4,710 |
| Core capital (leverage) ratio | 9.6302% | 3,714 |
| Tier 1 risk-based capital ratio | 11.4074% | 6,015 |
| Total risk-based capital ratio | 12.6633% | 5,996 |
| Memoranda: | ||
| Average total assets | $555,831,750 | 1,217 |
| Average earning assets | $524,188,750 | 1,179 |
| Average equity | $53,360,250 | 1,255 |
| Average total loans | $498,425,000 | 903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 2,439 |
| Cost of funding earning assets | 1.4084% | 3,821 |
| Net interest margin | 4.1125% | 2,501 |
| Noninterest income to average assets | 0.6701% | 2,894 |
| Noninterest expense to average assets | 3.0565% | 3,493 |
| Loan and lease loss provision to assets | 1.0844% | 1,325 |
| Net operating income to assets | 0.4099% | 4,710 |
| Return on assets (ROA) | 0.4099% | 4,872 |
| Pretax return on assets | 0.4186% | 5,164 |
| Return on Equity (ROE) | 4.2686% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.0991% | 5,324 |
| Net charge-offs to loans | 0.5836% | 2,784 |
| Credit loss provision to net charge-offs | 205.1984% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.8440% | 3,562 |
| Efficiency ratio | 67.0366% | 4,755 |
| Assets per employee ($millions) | 4.3355% | 3,154 |
| Cash dividends to net income (ytd only)* | 74.2504% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 2,633 |
| Loan loss allowance to noncurrent loans | 35.7137% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 5.2157% | 1,213 |
| Noncurrent loans to loans | 5.1240% | 1,338 |
| Net loans and leases to total assets | 87.9394% | 134 |
| Net loans and leases to deposits | 110.5603% | 258 |
| Net loans and leases to core deposits | 134.3074% | 357 |
| Total domestic deposits to total assets | 79.5397% | 5,880 |
| Equity capital to assets | 9.6039% | 4,546 |
| Core capital (leverage) ratio | 9.5087% | 3,811 |
| Tier 1 risk-based capital ratio | 11.3082% | 5,936 |
| Total risk-based capital ratio | 12.5668% | 5,911 |
| Memoranda: | ||
| Average total assets | $553,320,670 | 1,228 |
| Average earning assets | $523,284,330 | 1,183 |
| Average equity | $53,132,330 | 1,251 |
| Average total loans | $501,044,000 | 908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5469% | 2,375 |
| Cost of funding earning assets | 1.5423% | 3,315 |
| Net interest margin | 4.0046% | 2,856 |
| Noninterest income to average assets | 0.6313% | 3,070 |
| Noninterest expense to average assets | 2.8560% | 4,245 |
| Loan and lease loss provision to assets | 1.0860% | 1,133 |
| Net operating income to assets | 0.4728% | 4,524 |
| Return on assets (ROA) | 0.4728% | 4,653 |
| Pretax return on assets | 0.4807% | 5,026 |
| Return on Equity (ROE) | 4.9236% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.8577% | 4,413 |
| Net charge-offs to loans | 0.6075% | 2,297 |
| Credit loss provision to net charge-offs | 196.3351% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.8325% | 3,132 |
| Efficiency ratio | 64.5769% | 5,375 |
| Assets per employee ($millions) | 4.4547% | 3,037 |
| Cash dividends to net income (ytd only)* | 41.9602% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 3,206 |
| Loan loss allowance to noncurrent loans | 33.9848% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 4.8094% | 1,368 |
| Noncurrent loans to loans | 4.8873% | 1,490 |
| Net loans and leases to total assets | 89.6325% | 79 |
| Net loans and leases to deposits | 112.9520% | 230 |
| Net loans and leases to core deposits | 137.0056% | 370 |
| Total domestic deposits to total assets | 79.3545% | 5,998 |
| Equity capital to assets | 9.7154% | 4,204 |
| Core capital (leverage) ratio | 9.4968% | 3,778 |
| Tier 1 risk-based capital ratio | 11.3790% | 5,787 |
| Total risk-based capital ratio | 12.6357% | 5,750 |
| Memoranda: | ||
| Average total assets | $552,511,500 | 1,258 |
| Average earning assets | $523,100,000 | 1,213 |
| Average equity | $53,050,500 | 1,264 |
| Average total loans | $503,012,500 | 931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 2,740 |
| Cost of funding earning assets | 2.1342% | 2,312 |
| Net interest margin | 3.6462% | 4,363 |
| Noninterest income to average assets | 0.7861% | 2,472 |
| Noninterest expense to average assets | 2.9729% | 4,255 |
| Loan and lease loss provision to assets | 1.0948% | 2,085 |
| Net operating income to assets | 0.1810% | 4,960 |
| Return on assets (ROA) | 0.1855% | 5,013 |
| Pretax return on assets | 0.1933% | 5,021 |
| Return on Equity (ROE) | 1.9513% | 4,929 |
| Retained earnings to average equity (ytd only) | -5.0252% | 6,023 |
| Net charge-offs to loans | 0.9869% | 2,436 |
| Credit loss provision to net charge-offs | 121.2977% | 4,391 |
| Earnings coverage of net charge-offs (x) | 1.4219% | 4,704 |
| Efficiency ratio | 69.8484% | 4,655 |
| Assets per employee ($millions) | 4.4927% | 2,938 |
| Cash dividends to net income (ytd only)* | 357.5355% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,771 |
| Loan loss allowance to noncurrent loans | 31.3495% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 4.7590% | 1,327 |
| Noncurrent loans to loans | 4.7595% | 1,455 |
| Net loans and leases to total assets | 89.5806% | 102 |
| Net loans and leases to deposits | 112.3984% | 310 |
| Net loans and leases to core deposits | 168.0403% | 252 |
| Total domestic deposits to total assets | 79.6992% | 5,776 |
| Equity capital to assets | 9.4899% | 4,420 |
| Core capital (leverage) ratio | 9.3549% | 3,891 |
| Tier 1 risk-based capital ratio | 11.1428% | 5,787 |
| Total risk-based capital ratio | 12.3973% | 5,736 |
| Memoranda: | ||
| Average total assets | $568,607,800 | 1,220 |
| Average earning assets | $541,132,600 | 1,166 |
| Average equity | $54,067,200 | 1,222 |
| Average total loans | $520,028,000 | 918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 2,865 |
| Cost of funding earning assets | 2.2220% | 2,304 |
| Net interest margin | 3.5833% | 4,545 |
| Noninterest income to average assets | 0.7895% | 2,489 |
| Noninterest expense to average assets | 2.8223% | 4,804 |
| Loan and lease loss provision to assets | 0.9390% | 2,049 |
| Net operating income to assets | 0.4218% | 4,313 |
| Return on assets (ROA) | 0.4218% | 4,417 |
| Pretax return on assets | 0.4421% | 4,687 |
| Return on Equity (ROE) | 4.4340% | 4,195 |
| Retained earnings to average equity (ytd only) | -3.9852% | 6,108 |
| Net charge-offs to loans | 1.1135% | 1,797 |
| Credit loss provision to net charge-offs | 92.0842% | 5,429 |
| Earnings coverage of net charge-offs (x) | 1.3544% | 4,766 |
| Efficiency ratio | 67.1421% | 5,155 |
| Assets per employee ($millions) | 4.6794% | 2,591 |
| Cash dividends to net income (ytd only)* | 189.8781% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,199 |
| Loan loss allowance to noncurrent loans | 28.6222% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 4.1953% | 1,495 |
| Noncurrent loans to loans | 4.1370% | 1,757 |
| Net loans and leases to total assets | 90.2016% | 108 |
| Net loans and leases to deposits | 115.3110% | 284 |
| Net loans and leases to core deposits | 174.8986% | 224 |
| Total domestic deposits to total assets | 78.2246% | 6,016 |
| Equity capital to assets | 9.5215% | 4,720 |
| Core capital (leverage) ratio | 9.3314% | 4,135 |
| Tier 1 risk-based capital ratio | 11.1570% | 5,801 |
| Total risk-based capital ratio | 12.4072% | 5,744 |
| Memoranda: | ||
| Average total assets | $571,485,500 | 1,226 |
| Average earning assets | $544,474,500 | 1,172 |
| Average equity | $54,367,000 | 1,230 |
| Average total loans | $523,382,500 | 924 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 3,029 |
| Cost of funding earning assets | 2.2516% | 2,569 |
| Net interest margin | 3.5515% | 4,564 |
| Noninterest income to average assets | 0.8021% | 2,398 |
| Noninterest expense to average assets | 2.8588% | 4,692 |
| Loan and lease loss provision to assets | 0.6716% | 2,421 |
| Net operating income to assets | 0.6343% | 3,537 |
| Return on assets (ROA) | 0.6343% | 3,646 |
| Pretax return on assets | 0.6538% | 4,152 |
| Return on Equity (ROE) | 6.6692% | 3,351 |
| Retained earnings to average equity (ytd only) | -5.5944% | 6,395 |
| Net charge-offs to loans | 0.8250% | 2,041 |
| Credit loss provision to net charge-offs | 88.7915% | 4,960 |
| Earnings coverage of net charge-offs (x) | 1.7523% | 4,245 |
| Efficiency ratio | 68.3232% | 5,099 |
| Assets per employee ($millions) | 4.5321% | 2,720 |
| Cash dividends to net income (ytd only)* | 183.8834% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 4,951 |
| Loan loss allowance to noncurrent loans | 37.2702% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 3.2104% | 1,952 |
| Noncurrent loans to loans | 3.2165% | 2,215 |
| Net loans and leases to total assets | 87.7258% | 254 |
| Net loans and leases to deposits | 113.6904% | 409 |
| Net loans and leases to core deposits | 181.4400% | 213 |
| Total domestic deposits to total assets | 77.1620% | 6,282 |
| Equity capital to assets | 9.2163% | 4,991 |
| Core capital (leverage) ratio | 9.2904% | 4,177 |
| Tier 1 risk-based capital ratio | 11.1180% | 5,754 |
| Total risk-based capital ratio | 12.3686% | 5,673 |
| Memoranda: | ||
| Average total assets | $573,246,000 | 1,235 |
| Average earning assets | $545,912,670 | 1,185 |
| Average equity | $54,519,000 | 1,229 |
| Average total loans | $525,561,670 | 937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 2,854 |
| Cost of funding earning assets | 2.3079% | 2,661 |
| Net interest margin | 3.5814% | 4,399 |
| Noninterest income to average assets | 0.7908% | 2,378 |
| Noninterest expense to average assets | 2.8065% | 4,533 |
| Loan and lease loss provision to assets | 0.5462% | 2,288 |
| Net operating income to assets | 0.8295% | 3,000 |
| Return on assets (ROA) | 0.8295% | 3,149 |
| Pretax return on assets | 0.8493% | 3,895 |
| Return on Equity (ROE) | 8.5854% | 2,892 |
| Retained earnings to average equity (ytd only) | -8.9866% | 7,015 |
| Net charge-offs to loans | 0.2564% | 3,127 |
| Credit loss provision to net charge-offs | 228.6136% | 1,999 |
| Earnings coverage of net charge-offs (x) | 5.8407% | 2,596 |
| Efficiency ratio | 66.7897% | 5,177 |
| Assets per employee ($millions) | 4.2554% | 3,158 |
| Cash dividends to net income (ytd only)* | 204.6729% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,024 |
| Loan loss allowance to noncurrent loans | 37.2618% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.4057% | 1,592 |
| Noncurrent loans to loans | 3.5128% | 1,812 |
| Net loans and leases to total assets | 91.9483% | 64 |
| Net loans and leases to deposits | 125.1184% | 200 |
| Net loans and leases to core deposits | 196.2885% | 153 |
| Total domestic deposits to total assets | 73.4891% | 6,968 |
| Equity capital to assets | 9.5740% | 4,564 |
| Core capital (leverage) ratio | 9.4988% | 3,987 |
| Tier 1 risk-based capital ratio | 11.0917% | 5,819 |
| Total risk-based capital ratio | 12.3437% | 5,726 |
| Memoranda: | ||
| Average total assets | $567,549,000 | 1,252 |
| Average earning assets | $540,576,000 | 1,200 |
| Average equity | $54,837,500 | 1,238 |
| Average total loans | $528,791,000 | 945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5029% | 2,947 |
| Cost of funding earning assets | 2.7723% | 2,822 |
| Net interest margin | 3.7306% | 4,323 |
| Noninterest income to average assets | 0.9760% | 1,671 |
| Noninterest expense to average assets | 2.7582% | 5,013 |
| Loan and lease loss provision to assets | 0.6489% | 2,244 |
| Net operating income to assets | 1.0783% | 2,231 |
| Return on assets (ROA) | 1.0783% | 2,149 |
| Pretax return on assets | 1.1038% | 3,015 |
| Return on Equity (ROE) | 10.9040% | 1,934 |
| Retained earnings to average equity (ytd only) | 4.3774% | 2,394 |
| Net charge-offs to loans | 0.2761% | 3,555 |
| Credit loss provision to net charge-offs | 255.5635% | 1,823 |
| Earnings coverage of net charge-offs (x) | 6.9031% | 3,244 |
| Efficiency ratio | 61.1459% | 6,133 |
| Assets per employee ($millions) | 4.3116% | 2,934 |
| Cash dividends to net income (ytd only)* | 59.8546% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 4,390 |
| Loan loss allowance to noncurrent loans | 60.7821% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 2,463 |
| Noncurrent loans to loans | 2.0061% | 2,754 |
| Net loans and leases to total assets | 92.0380% | 81 |
| Net loans and leases to deposits | 122.9371% | 325 |
| Net loans and leases to core deposits | 191.1214% | 213 |
| Total domestic deposits to total assets | 74.8659% | 6,483 |
| Equity capital to assets | 9.7498% | 4,365 |
| Core capital (leverage) ratio | 9.7046% | 3,759 |
| Tier 1 risk-based capital ratio | 11.2442% | 5,493 |
| Total risk-based capital ratio | 12.4970% | 5,378 |
| Memoranda: | ||
| Average total assets | $548,658,400 | 1,239 |
| Average earning assets | $519,860,400 | 1,188 |
| Average equity | $54,255,400 | 1,242 |
| Average total loans | $504,605,400 | 955 |