Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 2,599 |
| Cost of funding earning assets | 0.4255% | 5,958 |
| Net interest margin | 4.3199% | 1,418 |
| Noninterest income to average assets | 0.5091% | 3,859 |
| Noninterest expense to average assets | 4.1683% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4221% | 5,150 |
| Return on assets (ROA) | 0.4221% | 5,391 |
| Pretax return on assets | 0.4221% | 5,666 |
| Return on Equity (ROE) | 4.2077% | 5,193 |
| Retained earnings to average equity (ytd only) | 4.2077% | 3,932 |
| Net charge-offs to loans | 0.5536% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.2316% | 4,674 |
| Efficiency ratio | 90.8043% | 980 |
| Assets per employee ($millions) | 3.4869% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2955% | 1,525 |
| Loan loss allowance to noncurrent loans | 128.1545% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 2.1308% | 2,515 |
| Noncurrent loans to loans | 1.7912% | 3,086 |
| Net loans and leases to total assets | 60.7477% | 3,623 |
| Net loans and leases to deposits | 67.8819% | 4,202 |
| Net loans and leases to core deposits | 70.2006% | 4,482 |
| Total domestic deposits to total assets | 89.4903% | 1,133 |
| Equity capital to assets | 10.2707% | 4,108 |
| Core capital (leverage) ratio | 9.6010% | 4,115 |
| Tier 1 risk-based capital ratio | 15.3392% | 3,625 |
| Total risk-based capital ratio | 16.6008% | 3,576 |
| Memoranda: | ||
| Average total assets | $105,813,000 | 4,731 |
| Average earning assets | $99,968,500 | 4,644 |
| Average equity | $10,615,250 | 4,884 |
| Average total loans | $65,513,750 | 4,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 2,615 |
| Cost of funding earning assets | 0.4323% | 6,083 |
| Net interest margin | 4.3411% | 1,362 |
| Noninterest income to average assets | 0.5592% | 3,530 |
| Noninterest expense to average assets | 3.8074% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8549% | 3,111 |
| Return on assets (ROA) | 0.8549% | 3,383 |
| Pretax return on assets | 0.8549% | 4,258 |
| Return on Equity (ROE) | 8.5885% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.5885% | 1,420 |
| Net charge-offs to loans | 0.1462% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.4583% | 2,163 |
| Efficiency ratio | 81.6640% | 1,932 |
| Assets per employee ($millions) | 3.2531% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 1,202 |
| Loan loss allowance to noncurrent loans | 134.7724% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5975% | 3,322 |
| Noncurrent loans to loans | 1.8963% | 3,079 |
| Net loans and leases to total assets | 60.9839% | 3,630 |
| Net loans and leases to deposits | 68.0350% | 4,192 |
| Net loans and leases to core deposits | 70.2884% | 4,503 |
| Total domestic deposits to total assets | 89.6361% | 1,138 |
| Equity capital to assets | 10.1320% | 4,146 |
| Core capital (leverage) ratio | 9.7894% | 3,731 |
| Tier 1 risk-based capital ratio | 15.1721% | 3,651 |
| Total risk-based capital ratio | 16.4380% | 3,605 |
| Memoranda: | ||
| Average total assets | $106,214,670 | 4,747 |
| Average earning assets | $100,388,330 | 4,661 |
| Average equity | $10,572,330 | 4,898 |
| Average total loans | $65,671,670 | 4,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 2,842 |
| Cost of funding earning assets | 0.4487% | 6,151 |
| Net interest margin | 4.3031% | 1,459 |
| Noninterest income to average assets | 0.7838% | 2,241 |
| Noninterest expense to average assets | 3.9566% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8936% | 2,948 |
| Return on assets (ROA) | 0.8936% | 3,168 |
| Pretax return on assets | 0.8936% | 4,049 |
| Return on Equity (ROE) | 9.0595% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.0595% | 1,571 |
| Net charge-offs to loans | -0.3019% | 7,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5769% | 1,992 |
| Assets per employee ($millions) | 3.3937% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7862% | 1,023 |
| Loan loss allowance to noncurrent loans | 112.3220% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 2,968 |
| Noncurrent loans to loans | 2.4806% | 2,630 |
| Net loans and leases to total assets | 60.1601% | 3,629 |
| Net loans and leases to deposits | 66.9955% | 4,234 |
| Net loans and leases to core deposits | 69.2526% | 4,530 |
| Total domestic deposits to total assets | 89.7972% | 1,195 |
| Equity capital to assets | 9.9928% | 4,130 |
| Core capital (leverage) ratio | 9.6724% | 3,808 |
| Tier 1 risk-based capital ratio | 15.4157% | 3,492 |
| Total risk-based capital ratio | 16.6840% | 3,453 |
| Memoranda: | ||
| Average total assets | $105,645,500 | 4,800 |
| Average earning assets | $99,835,000 | 4,700 |
| Average equity | $10,420,000 | 4,934 |
| Average total loans | $64,915,000 | 4,622 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 3,085 |
| Cost of funding earning assets | 0.5463% | 6,358 |
| Net interest margin | 4.4092% | 1,376 |
| Noninterest income to average assets | 0.6200% | 3,062 |
| Noninterest expense to average assets | 4.3468% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3384% | 5,108 |
| Return on assets (ROA) | 0.3384% | 5,269 |
| Pretax return on assets | 0.3384% | 5,456 |
| Return on Equity (ROE) | 3.8041% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,509 |
| Net charge-offs to loans | 0.4698% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.1733% | 4,912 |
| Efficiency ratio | 92.7780% | 999 |
| Assets per employee ($millions) | 3.3152% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 1,057 |
| Loan loss allowance to noncurrent loans | 91.8314% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 3.0334% | 1,977 |
| Noncurrent loans to loans | 2.9695% | 2,184 |
| Net loans and leases to total assets | 59.3477% | 4,124 |
| Net loans and leases to deposits | 65.9616% | 4,737 |
| Net loans and leases to core deposits | 68.4910% | 4,972 |
| Total domestic deposits to total assets | 89.9731% | 1,008 |
| Equity capital to assets | 9.7346% | 4,544 |
| Core capital (leverage) ratio | 9.5650% | 3,923 |
| Tier 1 risk-based capital ratio | 15.2761% | 3,464 |
| Total risk-based capital ratio | 16.5443% | 3,412 |
| Memoranda: | ||
| Average total assets | $104,031,400 | 4,792 |
| Average earning assets | $95,913,000 | 4,755 |
| Average equity | $9,253,200 | 5,216 |
| Average total loans | $63,851,200 | 4,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 3,226 |
| Cost of funding earning assets | 0.5674% | 6,438 |
| Net interest margin | 4.4061% | 1,391 |
| Noninterest income to average assets | 0.6388% | 2,944 |
| Noninterest expense to average assets | 4.4281% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1662% | 5,785 |
| Return on assets (ROA) | 0.1662% | 5,914 |
| Pretax return on assets | 0.2512% | 5,806 |
| Return on Equity (ROE) | 1.9144% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.9144% | 5,183 |
| Net charge-offs to loans | 0.3646% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.1207% | 4,788 |
| Efficiency ratio | 94.6325% | 882 |
| Assets per employee ($millions) | 3.1978% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8914% | 939 |
| Loan loss allowance to noncurrent loans | 88.2408% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 3.3313% | 1,905 |
| Noncurrent loans to loans | 3.2768% | 2,111 |
| Net loans and leases to total assets | 62.0623% | 3,708 |
| Net loans and leases to deposits | 68.8825% | 4,464 |
| Net loans and leases to core deposits | 71.4066% | 4,788 |
| Total domestic deposits to total assets | 90.0988% | 815 |
| Equity capital to assets | 9.6393% | 4,873 |
| Core capital (leverage) ratio | 9.3650% | 4,357 |
| Tier 1 risk-based capital ratio | 14.7881% | 3,783 |
| Total risk-based capital ratio | 16.0591% | 3,744 |
| Memoranda: | ||
| Average total assets | $103,518,000 | 4,828 |
| Average earning assets | $94,927,500 | 4,821 |
| Average equity | $8,984,750 | 5,311 |
| Average total loans | $63,633,000 | 4,771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 3,585 |
| Cost of funding earning assets | 0.5850% | 6,522 |
| Net interest margin | 4.3231% | 1,585 |
| Noninterest income to average assets | 0.6159% | 3,029 |
| Noninterest expense to average assets | 4.4999% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0366% | 6,155 |
| Return on assets (ROA) | 0.0366% | 6,233 |
| Pretax return on assets | 0.0558% | 6,175 |
| Return on Equity (ROE) | 0.4372% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.4372% | 5,669 |
| Net charge-offs to loans | 0.4219% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.2180% | 5,147 |
| Efficiency ratio | 98.7748% | 764 |
| Assets per employee ($millions) | 3.1385% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0143% | 889 |
| Loan loss allowance to noncurrent loans | 65.2042% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 5.2534% | 1,154 |
| Noncurrent loans to loans | 4.6229% | 1,430 |
| Net loans and leases to total assets | 60.0182% | 4,268 |
| Net loans and leases to deposits | 66.1263% | 4,987 |
| Net loans and leases to core deposits | 68.3061% | 5,260 |
| Total domestic deposits to total assets | 90.7629% | 601 |
| Equity capital to assets | 8.9995% | 5,582 |
| Core capital (leverage) ratio | 8.7833% | 5,074 |
| Tier 1 risk-based capital ratio | 13.9634% | 4,196 |
| Total risk-based capital ratio | 15.2347% | 4,157 |
| Memoranda: | ||
| Average total assets | $103,913,670 | 4,856 |
| Average earning assets | $94,701,000 | 4,863 |
| Average equity | $8,691,670 | 5,412 |
| Average total loans | $63,044,000 | 4,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 4,190 |
| Cost of funding earning assets | 0.6093% | 6,576 |
| Net interest margin | 4.1633% | 2,018 |
| Noninterest income to average assets | 0.8570% | 1,828 |
| Noninterest expense to average assets | 4.6347% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0038% | 6,342 |
| Return on assets (ROA) | 0.0038% | 6,375 |
| Pretax return on assets | 0.0038% | 6,351 |
| Return on Equity (ROE) | 0.0477% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.0477% | 5,773 |
| Net charge-offs to loans | 0.6782% | 1,858 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0094% | 4,570 |
| Efficiency ratio | 99.9171% | 750 |
| Assets per employee ($millions) | 3.1758% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 816 |
| Loan loss allowance to noncurrent loans | 60.2584% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 6.3753% | 880 |
| Noncurrent loans to loans | 5.2016% | 1,282 |
| Net loans and leases to total assets | 59.5718% | 4,346 |
| Net loans and leases to deposits | 65.1196% | 5,107 |
| Net loans and leases to core deposits | 67.4747% | 5,362 |
| Total domestic deposits to total assets | 91.4806% | 421 |
| Equity capital to assets | 8.3708% | 6,084 |
| Core capital (leverage) ratio | 8.2929% | 5,823 |
| Tier 1 risk-based capital ratio | 13.1581% | 4,703 |
| Total risk-based capital ratio | 14.4310% | 4,656 |
| Memoranda: | ||
| Average total assets | $104,084,500 | 4,889 |
| Average earning assets | $94,541,500 | 4,900 |
| Average equity | $8,377,000 | 5,496 |
| Average total loans | $62,519,000 | 4,885 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2025% | 3,595 |
| Cost of funding earning assets | 0.9650% | 5,865 |
| Net interest margin | 4.2375% | 2,036 |
| Noninterest income to average assets | 0.2250% | 6,194 |
| Noninterest expense to average assets | 4.9354% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.6246% | 6,463 |
| Return on assets (ROA) | -0.6240% | 6,493 |
| Pretax return on assets | -0.9452% | 6,601 |
| Return on Equity (ROE) | -9.2728% | 6,695 |
| Retained earnings to average equity (ytd only) | -9.2728% | 6,618 |
| Net charge-offs to loans | 1.0416% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -1.3359% | 6,657 |
| Efficiency ratio | 123.7178% | 370 |
| Assets per employee ($millions) | 3.3294% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3036% | 680 |
| Loan loss allowance to noncurrent loans | 42.5628% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 8.1433% | 601 |
| Noncurrent loans to loans | 7.7617% | 680 |
| Net loans and leases to total assets | 56.7588% | 5,222 |
| Net loans and leases to deposits | 61.7376% | 5,869 |
| Net loans and leases to core deposits | 63.6936% | 6,082 |
| Total domestic deposits to total assets | 91.9356% | 296 |
| Equity capital to assets | 7.7406% | 6,717 |
| Core capital (leverage) ratio | 8.0292% | 6,155 |
| Tier 1 risk-based capital ratio | 13.1725% | 4,468 |
| Total risk-based capital ratio | 14.4465% | 4,408 |
| Memoranda: | ||
| Average total assets | $108,016,000 | 4,774 |
| Average earning assets | $95,953,800 | 4,829 |
| Average equity | $7,268,600 | 5,941 |
| Average total loans | $73,442,200 | 4,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 2,879 |
| Cost of funding earning assets | 1.0179% | 5,855 |
| Net interest margin | 4.3830% | 1,583 |
| Noninterest income to average assets | 0.2620% | 6,022 |
| Noninterest expense to average assets | 5.1359% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.6577% | 6,702 |
| Return on assets (ROA) | -0.6569% | 6,748 |
| Pretax return on assets | -0.9952% | 6,862 |
| Return on Equity (ROE) | -10.1364% | 6,937 |
| Retained earnings to average equity (ytd only) | -10.1364% | 6,889 |
| Net charge-offs to loans | 0.1873% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -7.5702% | 6,615 |
| Efficiency ratio | 124.0713% | 353 |
| Assets per employee ($millions) | 3.1157% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0738% | 346 |
| Loan loss allowance to noncurrent loans | 59.9208% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 8.2428% | 597 |
| Noncurrent loans to loans | 6.7987% | 851 |
| Net loans and leases to total assets | 62.3846% | 4,452 |
| Net loans and leases to deposits | 68.1680% | 5,394 |
| Net loans and leases to core deposits | 71.4292% | 5,583 |
| Total domestic deposits to total assets | 91.5160% | 301 |
| Equity capital to assets | 8.0337% | 6,772 |
| Core capital (leverage) ratio | 7.9408% | 6,424 |
| Tier 1 risk-based capital ratio | 12.5192% | 4,960 |
| Total risk-based capital ratio | 13.8051% | 4,913 |
| Memoranda: | ||
| Average total assets | $108,384,500 | 4,825 |
| Average earning assets | $95,884,000 | 4,896 |
| Average equity | $7,024,000 | 6,101 |
| Average total loans | $76,168,250 | 4,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 2,351 |
| Cost of funding earning assets | 1.0408% | 5,961 |
| Net interest margin | 4.5045% | 1,199 |
| Noninterest income to average assets | 0.5932% | 3,389 |
| Noninterest expense to average assets | 5.3919% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5600% | 6,710 |
| Return on assets (ROA) | -0.5588% | 6,737 |
| Pretax return on assets | -0.8472% | 6,814 |
| Return on Equity (ROE) | -9.3164% | 6,940 |
| Retained earnings to average equity (ytd only) | -9.3164% | 6,882 |
| Net charge-offs to loans | -0.5046% | 7,732 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6901% | 431 |
| Assets per employee ($millions) | 3.2685% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1467% | 325 |
| Loan loss allowance to noncurrent loans | 51.0441% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 10.8270% | 339 |
| Noncurrent loans to loans | 8.1237% | 633 |
| Net loans and leases to total assets | 64.9583% | 4,050 |
| Net loans and leases to deposits | 70.4961% | 5,207 |
| Net loans and leases to core deposits | 76.4841% | 5,143 |
| Total domestic deposits to total assets | 92.1444% | 199 |
| Equity capital to assets | 7.4309% | 7,157 |
| Core capital (leverage) ratio | 7.4487% | 6,874 |
| Tier 1 risk-based capital ratio | 10.8879% | 6,362 |
| Total risk-based capital ratio | 12.1738% | 6,304 |
| Memoranda: | ||
| Average total assets | $110,240,330 | 4,799 |
| Average earning assets | $96,658,670 | 4,912 |
| Average equity | $6,612,000 | 6,265 |
| Average total loans | $79,269,000 | 4,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 1,942 |
| Cost of funding earning assets | 1.0648% | 6,063 |
| Net interest margin | 4.5896% | 970 |
| Noninterest income to average assets | 0.5636% | 3,533 |
| Noninterest expense to average assets | 5.6143% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6988% | 6,956 |
| Return on assets (ROA) | -0.6964% | 6,980 |
| Pretax return on assets | -1.0554% | 7,075 |
| Return on Equity (ROE) | -13.1292% | 7,261 |
| Retained earnings to average equity (ytd only) | -13.1292% | 7,130 |
| Net charge-offs to loans | -0.1651% | 7,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2467% | 409 |
| Assets per employee ($millions) | 3.3783% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6514% | 486 |
| Loan loss allowance to noncurrent loans | 54.4780% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 11.0931% | 325 |
| Noncurrent loans to loans | 6.7025% | 922 |
| Net loans and leases to total assets | 67.8106% | 3,438 |
| Net loans and leases to deposits | 74.8903% | 4,610 |
| Net loans and leases to core deposits | 81.4335% | 4,565 |
| Total domestic deposits to total assets | 90.5466% | 716 |
| Equity capital to assets | 7.3015% | 7,213 |
| Core capital (leverage) ratio | 7.4055% | 6,929 |
| Tier 1 risk-based capital ratio | 10.1249% | 6,949 |
| Total risk-based capital ratio | 11.4038% | 6,918 |
| Memoranda: | ||
| Average total assets | $111,430,500 | 4,837 |
| Average earning assets | $96,915,500 | 4,956 |
| Average equity | $5,910,500 | 6,553 |
| Average total loans | $82,356,000 | 4,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1010% | 1,516 |
| Cost of funding earning assets | 1.7027% | 4,491 |
| Net interest margin | 4.3983% | 1,435 |
| Noninterest income to average assets | 0.1287% | 7,108 |
| Noninterest expense to average assets | 4.6119% | 708 |
| Loan and lease loss provision to assets | 6.4634% | 86 |
| Net operating income to assets | -6.9178% | 7,890 |
| Return on assets (ROA) | -6.7833% | 7,876 |
| Pretax return on assets | -6.7833% | 7,853 |
| Return on Equity (ROE) | -108.3917% | 7,948 |
| Retained earnings to average equity (ytd only) | -108.3917% | 7,948 |
| Net charge-offs to loans | 7.3440% | 104 |
| Credit loss provision to net charge-offs | 106.0314% | 5,226 |
| Earnings coverage of net charge-offs (x) | -0.0745% | 6,304 |
| Efficiency ratio | 110.9303% | 781 |
| Assets per employee ($millions) | 3.3751% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2824% | 615 |
| Loan loss allowance to noncurrent loans | 51.2955% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 12.7468% | 216 |
| Noncurrent loans to loans | 6.3989% | 952 |
| Net loans and leases to total assets | 74.8970% | 2,056 |
| Net loans and leases to deposits | 77.8596% | 4,404 |
| Net loans and leases to core deposits | 103.5592% | 3,620 |
| Total domestic deposits to total assets | 96.1949% | 34 |
| Equity capital to assets | 3.3050% | 7,901 |
| Core capital (leverage) ratio | 3.0191% | 7,905 |
| Tier 1 risk-based capital ratio | 4.0862% | 7,906 |
| Total risk-based capital ratio | 5.3592% | 7,908 |
| Memoranda: | ||
| Average total assets | $135,996,200 | 4,213 |
| Average earning assets | $124,570,400 | 4,201 |
| Average equity | $8,510,800 | 5,764 |
| Average total loans | $112,880,600 | 3,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0896% | 1,687 |
| Cost of funding earning assets | 1.7846% | 4,452 |
| Net interest margin | 4.3050% | 1,716 |
| Noninterest income to average assets | 0.0300% | 7,733 |
| Noninterest expense to average assets | 4.3221% | 886 |
| Loan and lease loss provision to assets | 7.6067% | 53 |
| Net operating income to assets | -7.9031% | 8,007 |
| Return on assets (ROA) | -7.7315% | 8,003 |
| Pretax return on assets | -7.7315% | 7,990 |
| Return on Equity (ROE) | -113.0902% | 8,033 |
| Retained earnings to average equity (ytd only) | -113.0902% | 8,032 |
| Net charge-offs to loans | 6.4123% | 127 |
| Credit loss provision to net charge-offs | 141.0680% | 3,481 |
| Earnings coverage of net charge-offs (x) | -0.0550% | 6,134 |
| Efficiency ratio | 107.3625% | 824 |
| Assets per employee ($millions) | 3.9427% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7127% | 172 |
| Loan loss allowance to noncurrent loans | 51.3798% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 11.6357% | 249 |
| Noncurrent loans to loans | 9.1724% | 480 |
| Net loans and leases to total assets | 72.9148% | 2,817 |
| Net loans and leases to deposits | 75.8647% | 5,072 |
| Net loans and leases to core deposits | 105.0122% | 3,819 |
| Total domestic deposits to total assets | 96.1117% | 22 |
| Equity capital to assets | 3.6147% | 8,013 |
| Core capital (leverage) ratio | 3.3933% | 8,013 |
| Tier 1 risk-based capital ratio | 4.5565% | 8,014 |
| Total risk-based capital ratio | 5.8477% | 8,018 |
| Memoranda: | ||
| Average total assets | $142,151,000 | 4,091 |
| Average earning assets | $131,937,500 | 4,071 |
| Average equity | $9,718,250 | 5,423 |
| Average total loans | $119,538,500 | 3,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1575% | 1,602 |
| Cost of funding earning assets | 1.8830% | 4,356 |
| Net interest margin | 4.2745% | 1,733 |
| Noninterest income to average assets | -0.0178% | 7,988 |
| Noninterest expense to average assets | 4.0940% | 1,194 |
| Loan and lease loss provision to assets | 6.5816% | 111 |
| Net operating income to assets | -6.7020% | 8,033 |
| Return on assets (ROA) | -6.5282% | 8,017 |
| Pretax return on assets | -6.5282% | 7,984 |
| Return on Equity (ROE) | -83.7752% | 8,045 |
| Retained earnings to average equity (ytd only) | -83.7752% | 8,044 |
| Net charge-offs to loans | 3.7164% | 399 |
| Credit loss provision to net charge-offs | 205.1173% | 2,223 |
| Earnings coverage of net charge-offs (x) | -0.0375% | 5,729 |
| Efficiency ratio | 103.0303% | 1,061 |
| Assets per employee ($millions) | 3.9847% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1065% | 238 |
| Loan loss allowance to noncurrent loans | 39.2407% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 11.3327% | 215 |
| Noncurrent loans to loans | 10.4648% | 321 |
| Net loans and leases to total assets | 80.3039% | 1,259 |
| Net loans and leases to deposits | 85.6165% | 3,618 |
| Net loans and leases to core deposits | 123.4064% | 2,076 |
| Total domestic deposits to total assets | 93.7948% | 63 |
| Equity capital to assets | 5.8818% | 7,947 |
| Core capital (leverage) ratio | 5.5498% | 7,978 |
| Tier 1 risk-based capital ratio | 7.0296% | 8,006 |
| Total risk-based capital ratio | 8.3149% | 8,010 |
| Memoranda: | ||
| Average total assets | $146,165,330 | 4,066 |
| Average earning assets | $136,484,000 | 4,020 |
| Average equity | $11,390,000 | 4,980 |
| Average total loans | $126,198,000 | 3,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2923% | 1,322 |
| Cost of funding earning assets | 1.9797% | 4,241 |
| Net interest margin | 4.3126% | 1,569 |
| Noninterest income to average assets | 0.0027% | 8,035 |
| Noninterest expense to average assets | 3.9140% | 1,290 |
| Loan and lease loss provision to assets | 0.7491% | 1,725 |
| Net operating income to assets | -0.6100% | 6,975 |
| Return on assets (ROA) | -0.4227% | 6,872 |
| Pretax return on assets | -0.4227% | 6,760 |
| Return on Equity (ROE) | -4.8677% | 6,969 |
| Retained earnings to average equity (ytd only) | -4.8677% | 6,534 |
| Net charge-offs to loans | 0.6753% | 1,831 |
| Credit loss provision to net charge-offs | 126.6968% | 3,145 |
| Earnings coverage of net charge-offs (x) | 0.2353% | 4,794 |
| Efficiency ratio | 96.5677% | 1,293 |
| Assets per employee ($millions) | 4.0216% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 1,683 |
| Loan loss allowance to noncurrent loans | 30.4149% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 6.7325% | 528 |
| Noncurrent loans to loans | 6.1604% | 758 |
| Net loans and leases to total assets | 84.1170% | 671 |
| Net loans and leases to deposits | 92.4090% | 2,531 |
| Net loans and leases to core deposits | 131.9311% | 1,544 |
| Total domestic deposits to total assets | 91.0269% | 407 |
| Equity capital to assets | 8.6814% | 5,797 |
| Core capital (leverage) ratio | 8.6264% | 5,287 |
| Tier 1 risk-based capital ratio | 9.9659% | 6,966 |
| Total risk-based capital ratio | 11.2234% | 6,856 |
| Memoranda: | ||
| Average total assets | $149,516,000 | 4,020 |
| Average earning assets | $140,426,000 | 3,943 |
| Average equity | $12,983,500 | 4,581 |
| Average total loans | $130,901,500 | 3,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4999% | 409 |
| Cost of funding earning assets | 2.6080% | 3,649 |
| Net interest margin | 4.8919% | 640 |
| Noninterest income to average assets | 0.2194% | 6,873 |
| Noninterest expense to average assets | 3.8804% | 1,596 |
| Loan and lease loss provision to assets | 1.0075% | 1,460 |
| Net operating income to assets | -0.1196% | 6,521 |
| Return on assets (ROA) | -0.1196% | 6,374 |
| Pretax return on assets | -0.1196% | 6,290 |
| Return on Equity (ROE) | -1.4033% | 6,418 |
| Retained earnings to average equity (ytd only) | -1.4033% | 5,709 |
| Net charge-offs to loans | 0.6097% | 2,012 |
| Credit loss provision to net charge-offs | 191.1408% | 2,575 |
| Earnings coverage of net charge-offs (x) | 1.6845% | 5,239 |
| Efficiency ratio | 81.3791% | 2,390 |
| Assets per employee ($millions) | 3.5769% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 1,805 |
| Loan loss allowance to noncurrent loans | 57.0205% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.9879% | 1,033 |
| Noncurrent loans to loans | 3.0452% | 1,755 |
| Net loans and leases to total assets | 87.8081% | 387 |
| Net loans and leases to deposits | 96.4883% | 2,371 |
| Net loans and leases to core deposits | 127.2881% | 2,059 |
| Total domestic deposits to total assets | 91.0039% | 326 |
| Equity capital to assets | 8.6860% | 5,825 |
| Core capital (leverage) ratio | 8.4618% | 5,639 |
| Tier 1 risk-based capital ratio | 9.7045% | 7,077 |
| Total risk-based capital ratio | 10.9606% | 6,976 |
| Memoranda: | ||
| Average total assets | $156,322,400 | 3,779 |
| Average earning assets | $145,361,600 | 3,734 |
| Average equity | $13,326,000 | 4,490 |
| Average total loans | $135,147,000 | 3,175 |