Home > Truman Bank > Performance and Condition Ratios
Truman Bank, Performance and Condition Ratios
| 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 | 4.0078% | 5,618 |
| Cost of funding earning assets | 1.1181% | 1,137 |
| Net interest margin | 2.8897% | 6,443 |
| Noninterest income to average assets | -2.7576% | 7,240 |
| Noninterest expense to average assets | 3.5798% | 1,621 |
| Loan and lease loss provision to assets | 2.6024% | 81 |
| Net operating income to assets | -6.4945% | 7,225 |
| Return on assets (ROA) | -6.2080% | 7,224 |
| Pretax return on assets | -6.2080% | 7,223 |
| Return on Equity (ROE) | -172.1404% | 7,229 |
| Retained earnings to average equity (ytd only) | -172.1404% | 7,229 |
| Net charge-offs to loans | 7.7625% | 15 |
| Credit loss provision to net charge-offs | 47.9126% | 4,084 |
| Earnings coverage of net charge-offs (x) | -0.7166% | 5,270 |
| Efficiency ratio | -1,127.1762% | 7,244 |
| Assets per employee ($millions) | 5.0418% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5130% | 62 |
| Loan loss allowance to noncurrent loans | 34.2249% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 23.9178% | 15 |
| Noncurrent loans to loans | 19.0300% | 53 |
| Net loans and leases to total assets | 63.4272% | 3,158 |
| Net loans and leases to deposits | 72.8805% | 3,472 |
| Net loans and leases to core deposits | 74.9761% | 3,886 |
| Total domestic deposits to total assets | 87.0290% | 2,749 |
| Equity capital to assets | 2.0964% | 7,223 |
| Core capital (leverage) ratio | 1.6960% | 7,228 |
| Tier 1 risk-based capital ratio | 2.5371% | 7,228 |
| Total risk-based capital ratio | 3.8524% | 7,227 |
| Memoranda: | ||
| Average total assets | $301,640,670 | 2,147 |
| Average earning assets | $255,255,330 | 2,303 |
| Average equity | $10,878,330 | 4,837 |
| Average total loans | $211,066,000 | 1,935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 5,860 |
| Cost of funding earning assets | 1.1475% | 1,187 |
| Net interest margin | 2.8218% | 6,602 |
| Noninterest income to average assets | -2.3772% | 7,301 |
| Noninterest expense to average assets | 3.4244% | 1,946 |
| Loan and lease loss provision to assets | 2.0110% | 137 |
| Net operating income to assets | -5.4174% | 7,275 |
| Return on assets (ROA) | -4.8623% | 7,269 |
| Pretax return on assets | -4.8623% | 7,266 |
| Return on Equity (ROE) | -113.3104% | 7,270 |
| Retained earnings to average equity (ytd only) | -113.3104% | 7,266 |
| Net charge-offs to loans | 10.1168% | 19 |
| Credit loss provision to net charge-offs | 28.0215% | 3,654 |
| Earnings coverage of net charge-offs (x) | -0.4747% | 4,497 |
| Efficiency ratio | 18,714.2857% | 1 |
| Assets per employee ($millions) | 5.6901% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1033% | 79 |
| Loan loss allowance to noncurrent loans | 32.9211% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 22.6389% | 28 |
| Noncurrent loans to loans | 18.5391% | 64 |
| Net loans and leases to total assets | 63.7032% | 2,911 |
| Net loans and leases to deposits | 72.6860% | 3,325 |
| Net loans and leases to core deposits | 75.0507% | 3,739 |
| Total domestic deposits to total assets | 87.6417% | 2,564 |
| Equity capital to assets | 3.7017% | 7,203 |
| Core capital (leverage) ratio | 3.3836% | 7,216 |
| Tier 1 risk-based capital ratio | 4.7998% | 7,223 |
| Total risk-based capital ratio | 6.1056% | 7,222 |
| Memoranda: | ||
| Average total assets | $311,292,000 | 2,088 |
| Average earning assets | $264,226,000 | 2,242 |
| Average equity | $13,358,000 | 4,336 |
| Average total loans | $220,821,500 | 1,854 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 5,220 |
| Cost of funding earning assets | 1.3441% | 1,268 |
| Net interest margin | 3.1157% | 6,309 |
| Noninterest income to average assets | -0.2496% | 7,178 |
| Noninterest expense to average assets | 4.5541% | 557 |
| Loan and lease loss provision to assets | 2.4311% | 187 |
| Net operating income to assets | -4.5394% | 7,283 |
| Return on assets (ROA) | -4.5394% | 7,289 |
| Pretax return on assets | -4.5423% | 7,298 |
| Return on Equity (ROE) | -68.1395% | 7,267 |
| Retained earnings to average equity (ytd only) | -68.1395% | 7,267 |
| Net charge-offs to loans | 3.9844% | 155 |
| Credit loss provision to net charge-offs | 80.5608% | 4,422 |
| Earnings coverage of net charge-offs (x) | -0.6996% | 6,144 |
| Efficiency ratio | 124.5655% | 268 |
| Assets per employee ($millions) | 5.6307% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1803% | 45 |
| Loan loss allowance to noncurrent loans | 34.1366% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 24.7776% | 20 |
| Noncurrent loans to loans | 21.0339% | 43 |
| Net loans and leases to total assets | 68.6414% | 2,282 |
| Net loans and leases to deposits | 81.4387% | 2,285 |
| Net loans and leases to core deposits | 83.6876% | 2,928 |
| Total domestic deposits to total assets | 84.2860% | 4,198 |
| Equity capital to assets | 4.8656% | 7,177 |
| Core capital (leverage) ratio | 4.3383% | 7,187 |
| Tier 1 risk-based capital ratio | 5.8683% | 7,205 |
| Total risk-based capital ratio | 7.1805% | 7,204 |
| Memoranda: | ||
| Average total assets | $348,611,600 | 1,860 |
| Average earning assets | $301,245,800 | 1,950 |
| Average equity | $23,224,400 | 2,755 |
| Average total loans | $264,029,200 | 1,596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 5,493 |
| Cost of funding earning assets | 1.3690% | 1,377 |
| Net interest margin | 3.0622% | 6,467 |
| Noninterest income to average assets | -0.2742% | 7,293 |
| Noninterest expense to average assets | 4.7264% | 471 |
| Loan and lease loss provision to assets | 2.6148% | 160 |
| Net operating income to assets | -4.9573% | 7,377 |
| Return on assets (ROA) | -4.9573% | 7,377 |
| Pretax return on assets | -4.9591% | 7,378 |
| Return on Equity (ROE) | -70.2291% | 7,345 |
| Retained earnings to average equity (ytd only) | -70.2291% | 7,343 |
| Net charge-offs to loans | 4.0685% | 160 |
| Credit loss provision to net charge-offs | 84.4187% | 3,985 |
| Earnings coverage of net charge-offs (x) | -0.7569% | 5,893 |
| Efficiency ratio | 116.5125% | 340 |
| Assets per employee ($millions) | 6.2418% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0387% | 43 |
| Loan loss allowance to noncurrent loans | 39.0806% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 21.8747% | 37 |
| Noncurrent loans to loans | 18.0108% | 80 |
| Net loans and leases to total assets | 68.5560% | 2,365 |
| Net loans and leases to deposits | 81.9820% | 2,360 |
| Net loans and leases to core deposits | 90.9160% | 2,134 |
| Total domestic deposits to total assets | 83.6232% | 4,416 |
| Equity capital to assets | 5.3258% | 7,239 |
| Core capital (leverage) ratio | 4.8485% | 7,251 |
| Tier 1 risk-based capital ratio | 6.6521% | 7,266 |
| Total risk-based capital ratio | 7.9631% | 7,266 |
| Memoranda: | ||
| Average total assets | $356,935,250 | 1,820 |
| Average earning assets | $309,616,250 | 1,907 |
| Average equity | $25,195,000 | 2,552 |
| Average total loans | $271,741,250 | 1,572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 5,469 |
| Cost of funding earning assets | 1.4302% | 1,281 |
| Net interest margin | 3.0345% | 6,540 |
| Noninterest income to average assets | 0.0858% | 6,898 |
| Noninterest expense to average assets | 2.7088% | 4,789 |
| Loan and lease loss provision to assets | 1.3219% | 560 |
| Net operating income to assets | -1.3060% | 7,036 |
| Return on assets (ROA) | -1.3060% | 7,044 |
| Pretax return on assets | -1.3082% | 6,996 |
| Return on Equity (ROE) | -17.1969% | 7,116 |
| Retained earnings to average equity (ytd only) | -17.1969% | 7,097 |
| Net charge-offs to loans | 2.5484% | 458 |
| Credit loss provision to net charge-offs | 67.4810% | 4,132 |
| Earnings coverage of net charge-offs (x) | 0.0070% | 5,278 |
| Efficiency ratio | 97.6965% | 802 |
| Assets per employee ($millions) | 6.1432% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7677% | 64 |
| Loan loss allowance to noncurrent loans | 34.0315% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 22.7803% | 39 |
| Noncurrent loans to loans | 19.8867% | 64 |
| Net loans and leases to total assets | 70.5985% | 2,093 |
| Net loans and leases to deposits | 87.2742% | 1,612 |
| Net loans and leases to core deposits | 96.2323% | 1,656 |
| Total domestic deposits to total assets | 80.8928% | 5,562 |
| Equity capital to assets | 8.3792% | 6,325 |
| Core capital (leverage) ratio | 6.4989% | 7,125 |
| Tier 1 risk-based capital ratio | 8.7309% | 7,200 |
| Total risk-based capital ratio | 10.0486% | 7,195 |
| Memoranda: | ||
| Average total assets | $363,561,670 | 1,801 |
| Average earning assets | $315,903,000 | 1,885 |
| Average equity | $27,609,670 | 2,341 |
| Average total loans | $279,465,670 | 1,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 5,173 |
| Cost of funding earning assets | 1.5136% | 1,112 |
| Net interest margin | 3.0358% | 6,499 |
| Noninterest income to average assets | -0.1714% | 7,418 |
| Noninterest expense to average assets | 2.7954% | 4,464 |
| Loan and lease loss provision to assets | 2.0936% | 259 |
| Net operating income to assets | -2.4021% | 7,328 |
| Return on assets (ROA) | -2.4021% | 7,326 |
| Pretax return on assets | -2.4043% | 7,309 |
| Return on Equity (ROE) | -33.2130% | 7,346 |
| Retained earnings to average equity (ytd only) | -33.2130% | 7,322 |
| Net charge-offs to loans | 3.2366% | 325 |
| Credit loss provision to net charge-offs | 83.5757% | 3,075 |
| Earnings coverage of net charge-offs (x) | -0.1240% | 4,653 |
| Efficiency ratio | 110.5649% | 492 |
| Assets per employee ($millions) | 6.0778% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6667% | 74 |
| Loan loss allowance to noncurrent loans | 34.3153% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 20.8024% | 54 |
| Noncurrent loans to loans | 19.4279% | 72 |
| Net loans and leases to total assets | 71.8511% | 1,749 |
| Net loans and leases to deposits | 87.9977% | 1,467 |
| Net loans and leases to core deposits | 96.8970% | 1,603 |
| Total domestic deposits to total assets | 81.6511% | 5,439 |
| Equity capital to assets | 7.2249% | 7,000 |
| Core capital (leverage) ratio | 5.2863% | 7,330 |
| Tier 1 risk-based capital ratio | 7.3564% | 7,339 |
| Total risk-based capital ratio | 8.6751% | 7,336 |
| Memoranda: | ||
| Average total assets | $373,334,000 | 1,766 |
| Average earning assets | $326,637,000 | 1,833 |
| Average equity | $27,001,500 | 2,376 |
| Average total loans | $288,948,000 | 1,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 5,766 |
| Cost of funding earning assets | 2.1020% | 426 |
| Net interest margin | 2.6109% | 7,195 |
| Noninterest income to average assets | 0.6037% | 3,457 |
| Noninterest expense to average assets | 2.5508% | 5,612 |
| Loan and lease loss provision to assets | 2.1331% | 599 |
| Net operating income to assets | -1.8306% | 7,010 |
| Return on assets (ROA) | -1.8306% | 7,029 |
| Pretax return on assets | -1.8047% | 6,963 |
| Return on Equity (ROE) | -23.3475% | 7,096 |
| Retained earnings to average equity (ytd only) | -23.3475% | 7,074 |
| Net charge-offs to loans | 3.1448% | 508 |
| Credit loss provision to net charge-offs | 88.0126% | 5,207 |
| Earnings coverage of net charge-offs (x) | 0.1355% | 5,986 |
| Efficiency ratio | 86.9551% | 1,575 |
| Assets per employee ($millions) | 6.2593% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2245% | 100 |
| Loan loss allowance to noncurrent loans | 35.0542% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 18.9383% | 79 |
| Noncurrent loans to loans | 17.7568% | 102 |
| Net loans and leases to total assets | 72.9372% | 1,894 |
| Net loans and leases to deposits | 89.8683% | 1,545 |
| Net loans and leases to core deposits | 99.1537% | 1,688 |
| Total domestic deposits to total assets | 81.1601% | 5,470 |
| Equity capital to assets | 7.2396% | 7,018 |
| Core capital (leverage) ratio | 5.5044% | 7,365 |
| Tier 1 risk-based capital ratio | 7.6154% | 7,380 |
| Total risk-based capital ratio | 8.9299% | 7,377 |
| Memoranda: | ||
| Average total assets | $432,651,600 | 1,544 |
| Average earning assets | $377,071,400 | 1,597 |
| Average equity | $33,922,200 | 1,948 |
| Average total loans | $333,437,600 | 1,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 5,916 |
| Cost of funding earning assets | 2.1767% | 411 |
| Net interest margin | 2.5527% | 7,344 |
| Noninterest income to average assets | 0.6495% | 3,127 |
| Noninterest expense to average assets | 2.4452% | 5,905 |
| Loan and lease loss provision to assets | 0.8725% | 1,742 |
| Net operating income to assets | -0.4419% | 6,552 |
| Return on assets (ROA) | -0.4419% | 6,594 |
| Pretax return on assets | -0.4449% | 6,512 |
| Return on Equity (ROE) | -5.5436% | 6,689 |
| Retained earnings to average equity (ytd only) | -5.5436% | 6,600 |
| Net charge-offs to loans | 2.5030% | 676 |
| Credit loss provision to net charge-offs | 45.3184% | 5,955 |
| Earnings coverage of net charge-offs (x) | 0.2221% | 5,789 |
| Efficiency ratio | 83.4553% | 1,897 |
| Assets per employee ($millions) | 6.5533% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1617% | 156 |
| Loan loss allowance to noncurrent loans | 28.3086% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 19.7340% | 65 |
| Noncurrent loans to loans | 18.2336% | 101 |
| Net loans and leases to total assets | 73.6133% | 1,887 |
| Net loans and leases to deposits | 90.9017% | 1,597 |
| Net loans and leases to core deposits | 99.2995% | 1,915 |
| Total domestic deposits to total assets | 80.9813% | 5,371 |
| Equity capital to assets | 8.2956% | 6,514 |
| Core capital (leverage) ratio | 6.6394% | 7,297 |
| Tier 1 risk-based capital ratio | 8.7939% | 7,397 |
| Total risk-based capital ratio | 10.0923% | 7,404 |
| Memoranda: | ||
| Average total assets | $443,795,750 | 1,524 |
| Average earning assets | $386,503,000 | 1,582 |
| Average equity | $35,379,000 | 1,890 |
| Average total loans | $341,337,250 | 1,324 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 5,511 |
| Cost of funding earning assets | 2.2490% | 401 |
| Net interest margin | 2.6249% | 7,326 |
| Noninterest income to average assets | 0.7747% | 2,260 |
| Noninterest expense to average assets | 2.5126% | 5,672 |
| Loan and lease loss provision to assets | 0.3431% | 3,671 |
| Net operating income to assets | 0.2162% | 5,505 |
| Return on assets (ROA) | 0.2162% | 5,636 |
| Pretax return on assets | 0.2136% | 5,744 |
| Return on Equity (ROE) | 2.7464% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.7464% | 4,384 |
| Net charge-offs to loans | 3.5338% | 414 |
| Credit loss provision to net charge-offs | 12.6584% | 5,916 |
| Earnings coverage of net charge-offs (x) | 0.2054% | 5,519 |
| Efficiency ratio | 80.2124% | 2,416 |
| Assets per employee ($millions) | 7.2697% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4733% | 261 |
| Loan loss allowance to noncurrent loans | 50.8105% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 11.4241% | 297 |
| Noncurrent loans to loans | 8.8039% | 551 |
| Net loans and leases to total assets | 69.5049% | 3,016 |
| Net loans and leases to deposits | 84.7646% | 2,743 |
| Net loans and leases to core deposits | 92.2708% | 2,946 |
| Total domestic deposits to total assets | 81.9976% | 4,990 |
| Equity capital to assets | 7.9801% | 6,772 |
| Core capital (leverage) ratio | 6.6122% | 7,345 |
| Tier 1 risk-based capital ratio | 9.1398% | 7,388 |
| Total risk-based capital ratio | 10.4300% | 7,375 |
| Memoranda: | ||
| Average total assets | $454,109,000 | 1,506 |
| Average earning assets | $396,971,330 | 1,561 |
| Average equity | $35,755,670 | 1,866 |
| Average total loans | $348,297,000 | 1,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 5,285 |
| Cost of funding earning assets | 2.3101% | 422 |
| Net interest margin | 2.6260% | 7,364 |
| Noninterest income to average assets | 1.2347% | 805 |
| Noninterest expense to average assets | 2.7793% | 4,564 |
| Loan and lease loss provision to assets | 0.3440% | 3,320 |
| Net operating income to assets | 0.4107% | 4,792 |
| Return on assets (ROA) | 0.4107% | 4,940 |
| Pretax return on assets | 0.4089% | 5,267 |
| Return on Equity (ROE) | 5.2511% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.2511% | 3,013 |
| Net charge-offs to loans | 0.8134% | 1,904 |
| Credit loss provision to net charge-offs | 53.7723% | 4,422 |
| Earnings coverage of net charge-offs (x) | 1.1770% | 4,061 |
| Efficiency ratio | 76.9441% | 3,068 |
| Assets per employee ($millions) | 7.4489% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6622% | 121 |
| Loan loss allowance to noncurrent loans | 46.8057% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 13.4756% | 189 |
| Noncurrent loans to loans | 12.0972% | 288 |
| Net loans and leases to total assets | 73.4683% | 2,090 |
| Net loans and leases to deposits | 90.7399% | 1,796 |
| Net loans and leases to core deposits | 96.6816% | 2,502 |
| Total domestic deposits to total assets | 80.9659% | 5,472 |
| Equity capital to assets | 8.0267% | 6,624 |
| Core capital (leverage) ratio | 6.4332% | 7,489 |
| Tier 1 risk-based capital ratio | 8.7625% | 7,525 |
| Total risk-based capital ratio | 10.0690% | 7,535 |
| Memoranda: | ||
| Average total assets | $455,802,500 | 1,542 |
| Average earning assets | $398,774,500 | 1,594 |
| Average equity | $35,649,500 | 1,887 |
| Average total loans | $358,473,500 | 1,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 6,556 |
| Cost of funding earning assets | 2.8256% | 404 |
| Net interest margin | 2.1336% | 7,685 |
| Noninterest income to average assets | 0.0266% | 7,602 |
| Noninterest expense to average assets | 2.4140% | 6,425 |
| Loan and lease loss provision to assets | 2.9065% | 616 |
| Net operating income to assets | -2.9665% | 7,382 |
| Return on assets (ROA) | -2.8611% | 7,372 |
| Pretax return on assets | -3.2817% | 7,362 |
| Return on Equity (ROE) | -33.6613% | 7,472 |
| Retained earnings to average equity (ytd only) | -33.6613% | 7,458 |
| Net charge-offs to loans | 1.8259% | 1,363 |
| Credit loss provision to net charge-offs | 202.2448% | 1,921 |
| Earnings coverage of net charge-offs (x) | -0.3454% | 6,579 |
| Efficiency ratio | 122.3030% | 572 |
| Assets per employee ($millions) | 6.0347% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4787% | 130 |
| Loan loss allowance to noncurrent loans | 48.9892% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 12.7335% | 217 |
| Noncurrent loans to loans | 11.1835% | 336 |
| Net loans and leases to total assets | 75.0367% | 2,020 |
| Net loans and leases to deposits | 90.5045% | 2,139 |
| Net loans and leases to core deposits | 114.3197% | 2,474 |
| Total domestic deposits to total assets | 82.9094% | 4,560 |
| Equity capital to assets | 7.6237% | 6,927 |
| Core capital (leverage) ratio | 6.0309% | 7,630 |
| Tier 1 risk-based capital ratio | 7.5676% | 7,694 |
| Total risk-based capital ratio | 8.8703% | 7,698 |
| Memoranda: | ||
| Average total assets | $480,480,400 | 1,440 |
| Average earning assets | $425,851,600 | 1,483 |
| Average equity | $40,839,200 | 1,638 |
| Average total loans | $378,165,600 | 1,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 6,719 |
| Cost of funding earning assets | 2.9066% | 444 |
| Net interest margin | 2.0587% | 7,789 |
| Noninterest income to average assets | -0.0875% | 7,923 |
| Noninterest expense to average assets | 2.2902% | 6,731 |
| Loan and lease loss provision to assets | 1.4700% | 1,308 |
| Net operating income to assets | -1.9946% | 7,315 |
| Return on assets (ROA) | -1.8361% | 7,246 |
| Pretax return on assets | -1.8545% | 7,115 |
| Return on Equity (ROE) | -21.0805% | 7,410 |
| Retained earnings to average equity (ytd only) | -21.0805% | 7,379 |
| Net charge-offs to loans | 1.9431% | 1,024 |
| Credit loss provision to net charge-offs | 96.3210% | 5,293 |
| Earnings coverage of net charge-offs (x) | -0.3569% | 6,391 |
| Efficiency ratio | 127.3100% | 500 |
| Assets per employee ($millions) | 6.5341% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4736% | 431 |
| Loan loss allowance to noncurrent loans | 31.2532% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 12.0304% | 224 |
| Noncurrent loans to loans | 11.1144% | 321 |
| Net loans and leases to total assets | 76.4686% | 1,898 |
| Net loans and leases to deposits | 93.4625% | 1,972 |
| Net loans and leases to core deposits | 117.9739% | 2,415 |
| Total domestic deposits to total assets | 81.8175% | 4,757 |
| Equity capital to assets | 8.6592% | 6,021 |
| Core capital (leverage) ratio | 7.0032% | 7,436 |
| Tier 1 risk-based capital ratio | 8.8162% | 7,676 |
| Total risk-based capital ratio | 10.0958% | 7,694 |
| Memoranda: | ||
| Average total assets | $484,432,750 | 1,440 |
| Average earning assets | $431,332,250 | 1,479 |
| Average equity | $42,192,750 | 1,600 |
| Average total loans | $380,486,000 | 1,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 6,851 |
| Cost of funding earning assets | 3.0217% | 438 |
| Net interest margin | 1.9530% | 7,886 |
| Noninterest income to average assets | 0.3239% | 5,921 |
| Noninterest expense to average assets | 2.2536% | 6,908 |
| Loan and lease loss provision to assets | 0.0806% | 6,380 |
| Net operating income to assets | -0.2388% | 6,243 |
| Return on assets (ROA) | -0.2388% | 6,260 |
| Pretax return on assets | -0.2646% | 6,195 |
| Return on Equity (ROE) | -2.7368% | 6,333 |
| Retained earnings to average equity (ytd only) | -2.7368% | 5,922 |
| Net charge-offs to loans | 1.8941% | 990 |
| Credit loss provision to net charge-offs | 5.4300% | 6,216 |
| Earnings coverage of net charge-offs (x) | -0.1240% | 5,818 |
| Efficiency ratio | 105.6313% | 976 |
| Assets per employee ($millions) | 6.6784% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5779% | 840 |
| Loan loss allowance to noncurrent loans | 22.3549% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 11.5891% | 203 |
| Noncurrent loans to loans | 11.5318% | 249 |
| Net loans and leases to total assets | 76.3840% | 2,085 |
| Net loans and leases to deposits | 94.4210% | 2,023 |
| Net loans and leases to core deposits | 119.7785% | 2,393 |
| Total domestic deposits to total assets | 80.8973% | 5,113 |
| Equity capital to assets | 9.7755% | 4,249 |
| Core capital (leverage) ratio | 8.3671% | 5,682 |
| Tier 1 risk-based capital ratio | 10.3358% | 6,556 |
| Total risk-based capital ratio | 11.6022% | 6,470 |
| Memoranda: | ||
| Average total assets | $489,091,330 | 1,445 |
| Average earning assets | $437,173,670 | 1,477 |
| Average equity | $42,677,670 | 1,597 |
| Average total loans | $383,082,000 | 1,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 6,926 |
| Cost of funding earning assets | 3.1899% | 357 |
| Net interest margin | 1.8118% | 7,973 |
| Noninterest income to average assets | 0.3812% | 5,374 |
| Noninterest expense to average assets | 2.2181% | 6,814 |
| Loan and lease loss provision to assets | 0.1598% | 4,892 |
| Net operating income to assets | -0.3220% | 6,702 |
| Return on assets (ROA) | -0.3220% | 6,781 |
| Pretax return on assets | -0.3706% | 6,726 |
| Return on Equity (ROE) | -3.9196% | 6,886 |
| Retained earnings to average equity (ytd only) | -3.9196% | 6,418 |
| Net charge-offs to loans | 2.5992% | 524 |
| Credit loss provision to net charge-offs | 7.8517% | 5,214 |
| Earnings coverage of net charge-offs (x) | -0.1036% | 5,078 |
| Efficiency ratio | 107.1919% | 892 |
| Assets per employee ($millions) | 6.6067% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8395% | 557 |
| Loan loss allowance to noncurrent loans | 27.2531% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 9.9646% | 229 |
| Noncurrent loans to loans | 10.4190% | 263 |
| Net loans and leases to total assets | 77.9608% | 1,835 |
| Net loans and leases to deposits | 95.9950% | 1,948 |
| Net loans and leases to core deposits | 121.3210% | 2,307 |
| Total domestic deposits to total assets | 81.2134% | 4,886 |
| Equity capital to assets | 8.7207% | 5,737 |
| Core capital (leverage) ratio | 6.9189% | 7,685 |
| Tier 1 risk-based capital ratio | 8.8904% | 7,848 |
| Total risk-based capital ratio | 10.1605% | 7,880 |
| Memoranda: | ||
| Average total assets | $493,213,500 | 1,441 |
| Average earning assets | $442,647,500 | 1,462 |
| Average equity | $40,514,000 | 1,684 |
| Average total loans | $386,118,500 | 1,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8828% | 6,122 |
| Cost of funding earning assets | 3.5248% | 482 |
| Net interest margin | 2.3581% | 7,883 |
| Noninterest income to average assets | 0.2022% | 7,005 |
| Noninterest expense to average assets | 2.5523% | 5,819 |
| Loan and lease loss provision to assets | 2.9326% | 315 |
| Net operating income to assets | -2.7207% | 7,764 |
| Return on assets (ROA) | -2.7207% | 7,739 |
| Pretax return on assets | -3.1503% | 7,743 |
| Return on Equity (ROE) | -31.0673% | 7,978 |
| Retained earnings to average equity (ytd only) | -31.1181% | 7,930 |
| Net charge-offs to loans | 2.2784% | 449 |
| Credit loss provision to net charge-offs | 163.4406% | 3,154 |
| Earnings coverage of net charge-offs (x) | -0.1213% | 6,329 |
| Efficiency ratio | 106.5944% | 798 |
| Assets per employee ($millions) | 6.9965% | 709 |
| Cash dividends to net income (ytd only)* | -0.1633% | 7,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3670% | 314 |
| Loan loss allowance to noncurrent loans | 65.4392% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 5.2937% | 623 |
| Noncurrent loans to loans | 5.1453% | 834 |
| Net loans and leases to total assets | 73.8927% | 3,126 |
| Net loans and leases to deposits | 89.7527% | 3,494 |
| Net loans and leases to core deposits | 115.7036% | 3,154 |
| Total domestic deposits to total assets | 82.3292% | 4,072 |
| Equity capital to assets | 7.7427% | 7,161 |
| Core capital (leverage) ratio | 6.2927% | 7,991 |
| Tier 1 risk-based capital ratio | 8.4238% | 8,009 |
| Total risk-based capital ratio | 9.7012% | 8,055 |
| Memoranda: | ||
| Average total assets | $517,694,000 | 1,299 |
| Average earning assets | $468,140,800 | 1,325 |
| Average equity | $45,337,000 | 1,492 |
| Average total loans | $407,695,200 | 1,182 |