Home > 1st National Bank of South Florida > Performance and Condition Ratios
1st National Bank of South Florida, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 3,423 |
| Cost of funding earning assets | 0.6241% | 1,210 |
| Net interest margin | 3.3485% | 4,120 |
| Noninterest income to average assets | 0.5735% | 2,872 |
| Noninterest expense to average assets | 3.1273% | 2,156 |
| Loan and lease loss provision to assets | -0.0469% | 5,736 |
| Net operating income to assets | 0.5260% | 4,595 |
| Return on assets (ROA) | 0.5260% | 4,677 |
| Pretax return on assets | 0.5123% | 5,082 |
| Return on Equity (ROE) | 5.6253% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.6253% | 1,999 |
| Net charge-offs to loans | 0.0225% | 3,812 |
| Credit loss provision to net charge-offs | -341.3043% | 5,364 |
| Earnings coverage of net charge-offs (x) | 33.8913% | 1,330 |
| Efficiency ratio | 86.9215% | 915 |
| Assets per employee ($millions) | 3.6340% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,867 |
| Loan loss allowance to noncurrent loans | 388.6640% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 2,512 |
| Noncurrent loans to loans | 0.2446% | 4,556 |
| Net loans and leases to total assets | 60.4823% | 3,764 |
| Net loans and leases to deposits | 74.8964% | 3,390 |
| Net loans and leases to core deposits | 76.8764% | 3,675 |
| Total domestic deposits to total assets | 80.7546% | 4,554 |
| Equity capital to assets | 9.7024% | 4,302 |
| Core capital (leverage) ratio | 9.3919% | 4,333 |
| Tier 1 risk-based capital ratio | 15.2342% | 3,061 |
| Total risk-based capital ratio | 16.1521% | 3,152 |
| Memoranda: | ||
| Average total assets | $334,982,200 | 1,962 |
| Average earning assets | $302,047,600 | 2,005 |
| Average equity | $31,322,800 | 2,234 |
| Average total loans | $204,287,600 | 2,037 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,184 |
| Cost of funding earning assets | 0.6258% | 1,239 |
| Net interest margin | 3.4106% | 3,907 |
| Noninterest income to average assets | 0.4392% | 3,803 |
| Noninterest expense to average assets | 3.0082% | 2,494 |
| Loan and lease loss provision to assets | 0.0198% | 3,877 |
| Net operating income to assets | 0.5491% | 4,593 |
| Return on assets (ROA) | 0.5491% | 4,696 |
| Pretax return on assets | 0.4793% | 5,271 |
| Return on Equity (ROE) | 5.9273% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.9273% | 2,294 |
| Net charge-offs to loans | 0.0325% | 3,270 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 25.1581% | 1,673 |
| Efficiency ratio | 85.5995% | 1,035 |
| Assets per employee ($millions) | 3.9000% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,581 |
| Loan loss allowance to noncurrent loans | 427.1630% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 1,342 |
| Noncurrent loans to loans | 0.2413% | 4,710 |
| Net loans and leases to total assets | 58.7379% | 4,049 |
| Net loans and leases to deposits | 72.0358% | 3,765 |
| Net loans and leases to core deposits | 73.7705% | 4,035 |
| Total domestic deposits to total assets | 81.5398% | 4,307 |
| Equity capital to assets | 9.2467% | 5,060 |
| Core capital (leverage) ratio | 8.9715% | 5,026 |
| Tier 1 risk-based capital ratio | 14.4173% | 3,618 |
| Total risk-based capital ratio | 15.3973% | 3,700 |
| Memoranda: | ||
| Average total assets | $336,054,750 | 1,963 |
| Average earning assets | $302,307,000 | 2,023 |
| Average equity | $31,132,250 | 2,262 |
| Average total loans | $204,877,000 | 2,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,339 |
| Cost of funding earning assets | 0.6241% | 1,265 |
| Net interest margin | 3.3644% | 4,041 |
| Noninterest income to average assets | 0.4447% | 3,745 |
| Noninterest expense to average assets | 2.9509% | 2,714 |
| Loan and lease loss provision to assets | 0.0542% | 3,031 |
| Net operating income to assets | 0.5735% | 4,453 |
| Return on assets (ROA) | 0.5735% | 4,557 |
| Pretax return on assets | 0.4597% | 5,330 |
| Return on Equity (ROE) | 6.1860% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.1860% | 2,124 |
| Net charge-offs to loans | 0.0538% | 2,647 |
| Credit loss provision to net charge-offs | 163.6364% | 1,444 |
| Earnings coverage of net charge-offs (x) | 15.5273% | 1,968 |
| Efficiency ratio | 84.9080% | 1,163 |
| Assets per employee ($millions) | 3.7640% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,566 |
| Loan loss allowance to noncurrent loans | 335.0932% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 1,383 |
| Noncurrent loans to loans | 0.3153% | 4,564 |
| Net loans and leases to total assets | 58.3654% | 4,060 |
| Net loans and leases to deposits | 71.3281% | 3,783 |
| Net loans and leases to core deposits | 73.4100% | 4,005 |
| Total domestic deposits to total assets | 81.8266% | 4,351 |
| Equity capital to assets | 8.9659% | 5,271 |
| Core capital (leverage) ratio | 9.0295% | 4,921 |
| Tier 1 risk-based capital ratio | 14.1340% | 3,853 |
| Total risk-based capital ratio | 15.1242% | 3,930 |
| Memoranda: | ||
| Average total assets | $332,373,670 | 1,998 |
| Average earning assets | $298,361,330 | 2,055 |
| Average equity | $30,811,330 | 2,287 |
| Average total loans | $204,502,330 | 2,047 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,599 |
| Cost of funding earning assets | 0.6293% | 1,234 |
| Net interest margin | 3.2730% | 4,337 |
| Noninterest income to average assets | 0.4515% | 3,626 |
| Noninterest expense to average assets | 2.8211% | 3,174 |
| Loan and lease loss provision to assets | 0.0554% | 2,826 |
| Net operating income to assets | 0.7443% | 3,570 |
| Return on assets (ROA) | 0.7443% | 3,699 |
| Pretax return on assets | 0.5057% | 5,171 |
| Return on Equity (ROE) | 7.8845% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.8845% | 1,610 |
| Net charge-offs to loans | -0.0078% | 4,625 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1211% | 1,472 |
| Assets per employee ($millions) | 3.6404% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,868 |
| Loan loss allowance to noncurrent loans | 272.5220% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 1,373 |
| Noncurrent loans to loans | 0.3777% | 4,457 |
| Net loans and leases to total assets | 63.0365% | 3,230 |
| Net loans and leases to deposits | 77.6874% | 2,848 |
| Net loans and leases to core deposits | 80.0803% | 3,152 |
| Total domestic deposits to total assets | 81.1412% | 4,790 |
| Equity capital to assets | 9.3974% | 4,859 |
| Core capital (leverage) ratio | 9.3879% | 4,452 |
| Tier 1 risk-based capital ratio | 13.8937% | 4,090 |
| Total risk-based capital ratio | 14.8849% | 4,167 |
| Memoranda: | ||
| Average total assets | $325,116,500 | 2,049 |
| Average earning assets | $291,112,500 | 2,108 |
| Average equity | $30,693,000 | 2,310 |
| Average total loans | $204,319,000 | 2,056 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 4,357 |
| Cost of funding earning assets | 0.6276% | 1,554 |
| Net interest margin | 3.2112% | 4,886 |
| Noninterest income to average assets | 0.4704% | 3,710 |
| Noninterest expense to average assets | 2.9159% | 3,095 |
| Loan and lease loss provision to assets | 0.0160% | 4,285 |
| Net operating income to assets | 0.5484% | 4,604 |
| Return on assets (ROA) | 0.5484% | 4,693 |
| Pretax return on assets | 0.3999% | 5,489 |
| Return on Equity (ROE) | 5.9607% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.9607% | 1,953 |
| Net charge-offs to loans | 0.0528% | 3,772 |
| Credit loss provision to net charge-offs | 51.5464% | 3,451 |
| Earnings coverage of net charge-offs (x) | 13.3711% | 2,275 |
| Efficiency ratio | 87.2089% | 1,055 |
| Assets per employee ($millions) | 3.5051% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 4,671 |
| Loan loss allowance to noncurrent loans | 165.8594% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8842% | 1,367 |
| Noncurrent loans to loans | 0.6476% | 3,747 |
| Net loans and leases to total assets | 61.2992% | 3,598 |
| Net loans and leases to deposits | 76.0039% | 3,199 |
| Net loans and leases to core deposits | 78.4392% | 3,474 |
| Total domestic deposits to total assets | 80.6527% | 4,842 |
| Equity capital to assets | 9.4855% | 4,740 |
| Core capital (leverage) ratio | 9.5625% | 4,157 |
| Tier 1 risk-based capital ratio | 14.1730% | 3,984 |
| Total risk-based capital ratio | 15.1600% | 4,094 |
| Memoranda: | ||
| Average total assets | $311,838,400 | 2,083 |
| Average earning assets | $277,870,200 | 2,145 |
| Average equity | $28,688,000 | 2,365 |
| Average total loans | $183,546,800 | 2,191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 4,443 |
| Cost of funding earning assets | 0.6245% | 1,642 |
| Net interest margin | 3.2034% | 4,957 |
| Noninterest income to average assets | 0.5496% | 3,206 |
| Noninterest expense to average assets | 2.9310% | 3,020 |
| Loan and lease loss provision to assets | 0.0215% | 3,978 |
| Net operating income to assets | 0.4489% | 5,076 |
| Return on assets (ROA) | 0.4489% | 5,155 |
| Pretax return on assets | 0.4489% | 5,470 |
| Return on Equity (ROE) | 4.9193% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.9193% | 3,138 |
| Net charge-offs to loans | 0.0015% | 4,663 |
| Credit loss provision to net charge-offs | 2,500.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 546.3034% | 141 |
| Efficiency ratio | 85.8660% | 1,195 |
| Assets per employee ($millions) | 3.4646% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,199 |
| Loan loss allowance to noncurrent loans | 210.6363% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 1.3287% | 2,326 |
| Noncurrent loans to loans | 0.5715% | 4,206 |
| Net loans and leases to total assets | 59.0399% | 3,924 |
| Net loans and leases to deposits | 73.4985% | 3,496 |
| Net loans and leases to core deposits | 76.0230% | 3,738 |
| Total domestic deposits to total assets | 80.3279% | 5,004 |
| Equity capital to assets | 9.4354% | 4,881 |
| Core capital (leverage) ratio | 9.6884% | 4,098 |
| Tier 1 risk-based capital ratio | 15.0246% | 3,568 |
| Total risk-based capital ratio | 16.1343% | 3,595 |
| Memoranda: | ||
| Average total assets | $310,058,000 | 2,110 |
| Average earning assets | $276,037,000 | 2,171 |
| Average equity | $28,296,250 | 2,400 |
| Average total loans | $180,022,750 | 2,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,441 |
| Cost of funding earning assets | 0.6244% | 1,693 |
| Net interest margin | 3.1973% | 4,957 |
| Noninterest income to average assets | 0.5415% | 3,197 |
| Noninterest expense to average assets | 2.9482% | 3,012 |
| Loan and lease loss provision to assets | 0.0322% | 3,640 |
| Net operating income to assets | 0.4031% | 5,210 |
| Return on assets (ROA) | 0.4031% | 5,289 |
| Pretax return on assets | 0.4031% | 5,552 |
| Return on Equity (ROE) | 4.4666% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.4666% | 3,327 |
| Net charge-offs to loans | 0.0056% | 4,190 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 135.2000% | 446 |
| Efficiency ratio | 86.8316% | 1,187 |
| Assets per employee ($millions) | 3.5368% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,030 |
| Loan loss allowance to noncurrent loans | 237.4062% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,609 |
| Noncurrent loans to loans | 0.5348% | 4,406 |
| Net loans and leases to total assets | 54.1149% | 4,528 |
| Net loans and leases to deposits | 66.8312% | 4,185 |
| Net loans and leases to core deposits | 69.2089% | 4,345 |
| Total domestic deposits to total assets | 80.9725% | 4,989 |
| Equity capital to assets | 8.9916% | 5,312 |
| Core capital (leverage) ratio | 9.3899% | 4,479 |
| Tier 1 risk-based capital ratio | 15.4562% | 3,377 |
| Total risk-based capital ratio | 16.6127% | 3,380 |
| Memoranda: | ||
| Average total assets | $310,627,000 | 2,101 |
| Average earning assets | $276,110,000 | 2,168 |
| Average equity | $28,030,330 | 2,409 |
| Average total loans | $178,607,670 | 2,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 4,304 |
| Cost of funding earning assets | 0.6319% | 1,715 |
| Net interest margin | 3.2140% | 4,883 |
| Noninterest income to average assets | 0.4876% | 3,509 |
| Noninterest expense to average assets | 2.9858% | 2,913 |
| Loan and lease loss provision to assets | 0.0326% | 3,393 |
| Net operating income to assets | 0.3207% | 5,425 |
| Return on assets (ROA) | 0.3207% | 5,474 |
| Pretax return on assets | 0.3207% | 5,669 |
| Return on Equity (ROE) | 3.5479% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.5479% | 4,007 |
| Net charge-offs to loans | 0.0332% | 2,928 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 18.0667% | 1,432 |
| Efficiency ratio | 89.1058% | 1,118 |
| Assets per employee ($millions) | 3.4818% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 4,554 |
| Loan loss allowance to noncurrent loans | 44.9763% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.5648% | 1,231 |
| Noncurrent loans to loans | 2.7096% | 1,244 |
| Net loans and leases to total assets | 56.3892% | 4,094 |
| Net loans and leases to deposits | 69.7972% | 3,631 |
| Net loans and leases to core deposits | 72.0669% | 3,866 |
| Total domestic deposits to total assets | 80.7900% | 5,294 |
| Equity capital to assets | 8.9265% | 5,190 |
| Core capital (leverage) ratio | 9.4584% | 4,337 |
| Tier 1 risk-based capital ratio | 15.0569% | 3,684 |
| Total risk-based capital ratio | 16.1804% | 3,702 |
| Memoranda: | ||
| Average total assets | $306,786,500 | 2,133 |
| Average earning assets | $272,184,000 | 2,201 |
| Average equity | $27,735,000 | 2,423 |
| Average total loans | $180,678,000 | 2,228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 4,267 |
| Cost of funding earning assets | 0.6558% | 2,163 |
| Net interest margin | 3.2985% | 4,669 |
| Noninterest income to average assets | 0.5896% | 3,153 |
| Noninterest expense to average assets | 3.2606% | 2,250 |
| Loan and lease loss provision to assets | 0.0150% | 4,828 |
| Net operating income to assets | 0.4596% | 4,912 |
| Return on assets (ROA) | 0.4988% | 4,877 |
| Pretax return on assets | 0.2620% | 5,823 |
| Return on Equity (ROE) | 5.2865% | 4,503 |
| Retained earnings to average equity (ytd only) | -0.9868% | 6,061 |
| Net charge-offs to loans | 0.0646% | 4,304 |
| Credit loss provision to net charge-offs | 40.1786% | 4,041 |
| Earnings coverage of net charge-offs (x) | 6.3839% | 3,076 |
| Efficiency ratio | 92.8992% | 814 |
| Assets per employee ($millions) | 3.2991% | 5,295 |
| Cash dividends to net income (ytd only)* | 118.6667% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 4,718 |
| Loan loss allowance to noncurrent loans | 46.4967% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6255% | 1,287 |
| Noncurrent loans to loans | 2.5576% | 1,466 |
| Net loans and leases to total assets | 60.0590% | 3,711 |
| Net loans and leases to deposits | 74.9691% | 3,104 |
| Net loans and leases to core deposits | 77.3248% | 3,449 |
| Total domestic deposits to total assets | 80.1116% | 5,423 |
| Equity capital to assets | 9.1594% | 4,854 |
| Core capital (leverage) ratio | 9.4512% | 4,336 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,922 |
| Total risk-based capital ratio | 15.6654% | 3,951 |
| Memoranda: | ||
| Average total assets | $300,714,200 | 2,142 |
| Average earning assets | $265,183,400 | 2,218 |
| Average equity | $28,374,400 | 2,349 |
| Average total loans | $173,417,200 | 2,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 4,397 |
| Cost of funding earning assets | 0.6637% | 2,228 |
| Net interest margin | 3.2639% | 4,775 |
| Noninterest income to average assets | 0.4707% | 3,996 |
| Noninterest expense to average assets | 3.1360% | 2,547 |
| Loan and lease loss provision to assets | 0.0332% | 4,356 |
| Net operating income to assets | 0.1632% | 6,011 |
| Return on assets (ROA) | 0.2118% | 5,967 |
| Pretax return on assets | 0.2282% | 5,996 |
| Return on Equity (ROE) | 2.2289% | 5,868 |
| Retained earnings to average equity (ytd only) | 2.2289% | 4,983 |
| Net charge-offs to loans | 0.0966% | 3,588 |
| Credit loss provision to net charge-offs | 60.4839% | 3,287 |
| Earnings coverage of net charge-offs (x) | 3.8064% | 3,606 |
| Efficiency ratio | 93.4287% | 769 |
| Assets per employee ($millions) | 3.4503% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 4,818 |
| Loan loss allowance to noncurrent loans | 43.3955% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7752% | 1,353 |
| Noncurrent loans to loans | 2.7889% | 1,500 |
| Net loans and leases to total assets | 58.1613% | 3,986 |
| Net loans and leases to deposits | 72.4870% | 3,457 |
| Net loans and leases to core deposits | 75.6033% | 3,660 |
| Total domestic deposits to total assets | 80.2369% | 5,449 |
| Equity capital to assets | 9.1729% | 4,971 |
| Core capital (leverage) ratio | 9.7975% | 3,961 |
| Tier 1 risk-based capital ratio | 15.4388% | 3,502 |
| Total risk-based capital ratio | 16.5516% | 3,521 |
| Memoranda: | ||
| Average total assets | $300,839,000 | 2,155 |
| Average earning assets | $264,953,500 | 2,223 |
| Average equity | $28,593,500 | 2,361 |
| Average total loans | $171,152,500 | 2,299 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 4,082 |
| Cost of funding earning assets | 0.6761% | 2,254 |
| Net interest margin | 3.3309% | 4,444 |
| Noninterest income to average assets | 0.4090% | 4,458 |
| Noninterest expense to average assets | 3.2126% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1148% | 6,100 |
| Return on assets (ROA) | 0.1874% | 6,052 |
| Pretax return on assets | 0.2042% | 6,079 |
| Return on Equity (ROE) | 1.9488% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.9488% | 5,033 |
| Net charge-offs to loans | 0.1250% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.7810% | 3,936 |
| Efficiency ratio | 95.9286% | 660 |
| Assets per employee ($millions) | 3.3461% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,326 |
| Loan loss allowance to noncurrent loans | 41.3258% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 3.8728% | 922 |
| Noncurrent loans to loans | 3.2369% | 1,357 |
| Net loans and leases to total assets | 52.2158% | 4,832 |
| Net loans and leases to deposits | 65.4556% | 4,328 |
| Net loans and leases to core deposits | 68.3090% | 4,463 |
| Total domestic deposits to total assets | 79.7729% | 5,656 |
| Equity capital to assets | 9.3003% | 4,856 |
| Core capital (leverage) ratio | 9.9561% | 3,580 |
| Tier 1 risk-based capital ratio | 15.6258% | 3,409 |
| Total risk-based capital ratio | 16.7308% | 3,448 |
| Memoranda: | ||
| Average total assets | $298,759,670 | 2,171 |
| Average earning assets | $262,688,330 | 2,246 |
| Average equity | $28,735,330 | 2,364 |
| Average total loans | $167,940,670 | 2,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 4,045 |
| Cost of funding earning assets | 0.6908% | 2,303 |
| Net interest margin | 3.3273% | 4,411 |
| Noninterest income to average assets | 0.3428% | 4,948 |
| Noninterest expense to average assets | 3.2531% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0210% | 6,308 |
| Return on assets (ROA) | 0.1653% | 6,097 |
| Pretax return on assets | 0.1815% | 6,111 |
| Return on Equity (ROE) | 1.6908% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.6908% | 5,137 |
| Net charge-offs to loans | 0.0859% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4595% | 3,664 |
| Efficiency ratio | 98.9741% | 585 |
| Assets per employee ($millions) | 3.2877% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,753 |
| Loan loss allowance to noncurrent loans | 23.1921% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 5.8307% | 562 |
| Noncurrent loans to loans | 5.5658% | 639 |
| Net loans and leases to total assets | 55.6201% | 4,147 |
| Net loans and leases to deposits | 69.9139% | 3,493 |
| Net loans and leases to core deposits | 72.9554% | 3,706 |
| Total domestic deposits to total assets | 79.5552% | 5,854 |
| Equity capital to assets | 9.6146% | 4,687 |
| Core capital (leverage) ratio | 10.1408% | 3,230 |
| Tier 1 risk-based capital ratio | 14.7962% | 3,975 |
| Total risk-based capital ratio | 15.8818% | 4,044 |
| Memoranda: | ||
| Average total assets | $297,564,500 | 2,203 |
| Average earning assets | $262,318,000 | 2,273 |
| Average equity | $29,099,000 | 2,368 |
| Average total loans | $172,221,000 | 2,299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 4,289 |
| Cost of funding earning assets | 0.7920% | 2,732 |
| Net interest margin | 3.4847% | 4,561 |
| Noninterest income to average assets | 0.5243% | 3,752 |
| Noninterest expense to average assets | 3.2909% | 2,367 |
| Loan and lease loss provision to assets | 0.2635% | 2,539 |
| Net operating income to assets | 0.0674% | 6,062 |
| Return on assets (ROA) | 0.1801% | 5,994 |
| Pretax return on assets | 0.1801% | 6,024 |
| Return on Equity (ROE) | 1.8962% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.8962% | 4,890 |
| Net charge-offs to loans | 0.3119% | 3,085 |
| Credit loss provision to net charge-offs | 141.3238% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.7746% | 4,546 |
| Efficiency ratio | 90.5709% | 1,015 |
| Assets per employee ($millions) | 3.1811% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 4,712 |
| Loan loss allowance to noncurrent loans | 20.0466% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 4.6419% | 878 |
| Noncurrent loans to loans | 6.4129% | 528 |
| Net loans and leases to total assets | 58.6932% | 3,856 |
| Net loans and leases to deposits | 74.2012% | 3,062 |
| Net loans and leases to core deposits | 77.5747% | 3,321 |
| Total domestic deposits to total assets | 79.1001% | 5,863 |
| Equity capital to assets | 9.9491% | 4,242 |
| Core capital (leverage) ratio | 10.2333% | 3,096 |
| Tier 1 risk-based capital ratio | 15.1167% | 3,663 |
| Total risk-based capital ratio | 16.2494% | 3,674 |
| Memoranda: | ||
| Average total assets | $299,856,000 | 2,140 |
| Average earning assets | $266,533,000 | 2,182 |
| Average equity | $28,477,800 | 2,351 |
| Average total loans | $179,208,400 | 2,212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 4,372 |
| Cost of funding earning assets | 0.8143% | 2,826 |
| Net interest margin | 3.5051% | 4,622 |
| Noninterest income to average assets | 0.5238% | 3,779 |
| Noninterest expense to average assets | 3.2513% | 2,420 |
| Loan and lease loss provision to assets | 0.2829% | 2,303 |
| Net operating income to assets | 0.1039% | 6,123 |
| Return on assets (ROA) | 0.1582% | 6,167 |
| Pretax return on assets | 0.1582% | 6,187 |
| Return on Equity (ROE) | 1.6856% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.6856% | 5,488 |
| Net charge-offs to loans | 0.4240% | 2,395 |
| Credit loss provision to net charge-offs | 111.4983% | 2,627 |
| Earnings coverage of net charge-offs (x) | 1.5244% | 4,517 |
| Efficiency ratio | 89.0779% | 1,107 |
| Assets per employee ($millions) | 3.3589% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 5,355 |
| Loan loss allowance to noncurrent loans | 21.5497% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 4.1890% | 1,138 |
| Noncurrent loans to loans | 5.4941% | 784 |
| Net loans and leases to total assets | 59.1790% | 3,938 |
| Net loans and leases to deposits | 74.9001% | 3,159 |
| Net loans and leases to core deposits | 77.8644% | 3,478 |
| Total domestic deposits to total assets | 79.0107% | 5,867 |
| Equity capital to assets | 9.8799% | 4,668 |
| Core capital (leverage) ratio | 10.0147% | 3,513 |
| Tier 1 risk-based capital ratio | 14.8020% | 3,981 |
| Total risk-based capital ratio | 15.8359% | 4,098 |
| Memoranda: | ||
| Average total assets | $301,654,750 | 2,148 |
| Average earning assets | $268,020,500 | 2,200 |
| Average equity | $28,318,000 | 2,381 |
| Average total loans | $180,508,250 | 2,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 4,439 |
| Cost of funding earning assets | 0.8376% | 2,886 |
| Net interest margin | 3.4952% | 4,687 |
| Noninterest income to average assets | 0.4783% | 4,070 |
| Noninterest expense to average assets | 3.2264% | 2,506 |
| Loan and lease loss provision to assets | 0.2887% | 2,274 |
| Net operating income to assets | 0.0682% | 6,227 |
| Return on assets (ROA) | 0.1135% | 6,290 |
| Pretax return on assets | 0.1135% | 6,304 |
| Return on Equity (ROE) | 1.2298% | 6,253 |
| Retained earnings to average equity (ytd only) | 1.2298% | 5,582 |
| Net charge-offs to loans | 0.4662% | 2,203 |
| Credit loss provision to net charge-offs | 103.5294% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.2800% | 4,367 |
| Efficiency ratio | 89.7455% | 1,091 |
| Assets per employee ($millions) | 3.4171% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,687 |
| Loan loss allowance to noncurrent loans | 22.1068% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 3.9582% | 1,303 |
| Noncurrent loans to loans | 5.0738% | 959 |
| Net loans and leases to total assets | 58.5805% | 4,065 |
| Net loans and leases to deposits | 73.2609% | 3,416 |
| Net loans and leases to core deposits | 78.0040% | 3,513 |
| Total domestic deposits to total assets | 79.9615% | 5,749 |
| Equity capital to assets | 9.4303% | 5,159 |
| Core capital (leverage) ratio | 9.5541% | 4,072 |
| Tier 1 risk-based capital ratio | 14.3293% | 4,225 |
| Total risk-based capital ratio | 15.3119% | 4,364 |
| Memoranda: | ||
| Average total assets | $304,799,670 | 2,128 |
| Average earning assets | $270,772,330 | 2,182 |
| Average equity | $28,133,670 | 2,379 |
| Average total loans | $182,342,670 | 2,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,905 |
| Cost of funding earning assets | 0.8608% | 2,990 |
| Net interest margin | 3.6412% | 4,083 |
| Noninterest income to average assets | 0.5322% | 3,685 |
| Noninterest expense to average assets | 3.2471% | 2,450 |
| Loan and lease loss provision to assets | 0.4457% | 1,394 |
| Net operating income to assets | 0.0669% | 6,300 |
| Return on assets (ROA) | 0.0669% | 6,420 |
| Pretax return on assets | 0.0669% | 6,429 |
| Return on Equity (ROE) | 0.7322% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.7322% | 5,765 |
| Net charge-offs to loans | 0.3925% | 2,125 |
| Credit loss provision to net charge-offs | 188.8889% | 1,395 |
| Earnings coverage of net charge-offs (x) | 2.1722% | 3,291 |
| Efficiency ratio | 86.0879% | 1,476 |
| Assets per employee ($millions) | 3.4999% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,594 |
| Loan loss allowance to noncurrent loans | 21.2020% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 4.4232% | 1,218 |
| Noncurrent loans to loans | 5.5610% | 955 |
| Net loans and leases to total assets | 58.9437% | 3,863 |
| Net loans and leases to deposits | 73.2591% | 3,240 |
| Net loans and leases to core deposits | 83.9159% | 2,556 |
| Total domestic deposits to total assets | 80.4592% | 5,733 |
| Equity capital to assets | 9.1142% | 5,337 |
| Core capital (leverage) ratio | 9.6262% | 3,882 |
| Tier 1 risk-based capital ratio | 14.2503% | 4,275 |
| Total risk-based capital ratio | 15.3023% | 4,396 |
| Memoranda: | ||
| Average total assets | $305,137,000 | 2,131 |
| Average earning assets | $270,458,000 | 2,196 |
| Average equity | $27,860,500 | 2,400 |
| Average total loans | $183,424,500 | 2,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 5,886 |
| Cost of funding earning assets | 1.0754% | 2,840 |
| Net interest margin | 3.1848% | 6,141 |
| Noninterest income to average assets | 0.6507% | 2,883 |
| Noninterest expense to average assets | 3.1907% | 2,901 |
| Loan and lease loss provision to assets | 0.2404% | 3,804 |
| Net operating income to assets | 0.0338% | 5,985 |
| Return on assets (ROA) | 0.0523% | 6,066 |
| Pretax return on assets | 0.0523% | 6,046 |
| Return on Equity (ROE) | 0.6034% | 6,036 |
| Retained earnings to average equity (ytd only) | 0.6034% | 5,562 |
| Net charge-offs to loans | 0.4391% | 3,241 |
| Credit loss provision to net charge-offs | 93.1990% | 3,867 |
| Earnings coverage of net charge-offs (x) | 1.0630% | 4,993 |
| Efficiency ratio | 91.7862% | 1,058 |
| Assets per employee ($millions) | 3.3218% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 5,832 |
| Loan loss allowance to noncurrent loans | 14.6541% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 5.6623% | 893 |
| Noncurrent loans to loans | 7.4746% | 568 |
| Net loans and leases to total assets | 59.9225% | 4,006 |
| Net loans and leases to deposits | 74.5933% | 3,401 |
| Net loans and leases to core deposits | 90.6890% | 2,022 |
| Total domestic deposits to total assets | 80.3323% | 5,654 |
| Equity capital to assets | 9.1471% | 5,359 |
| Core capital (leverage) ratio | 9.8826% | 3,480 |
| Tier 1 risk-based capital ratio | 14.4341% | 4,018 |
| Total risk-based capital ratio | 15.4229% | 4,147 |
| Memoranda: | ||
| Average total assets | $307,800,000 | 2,078 |
| Average earning assets | $271,982,600 | 2,154 |
| Average equity | $26,681,000 | 2,421 |
| Average total loans | $180,839,000 | 2,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 5,945 |
| Cost of funding earning assets | 1.1338% | 2,747 |
| Net interest margin | 3.1676% | 6,244 |
| Noninterest income to average assets | 0.6507% | 2,876 |
| Noninterest expense to average assets | 3.2175% | 2,777 |
| Loan and lease loss provision to assets | 0.2113% | 3,912 |
| Net operating income to assets | 0.0207% | 6,127 |
| Return on assets (ROA) | 0.0466% | 6,181 |
| Pretax return on assets | 0.0466% | 6,163 |
| Return on Equity (ROE) | 0.5447% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.5447% | 5,792 |
| Net charge-offs to loans | 0.3284% | 3,454 |
| Credit loss provision to net charge-offs | 110.3604% | 2,991 |
| Earnings coverage of net charge-offs (x) | 1.2117% | 4,717 |
| Efficiency ratio | 92.9741% | 972 |
| Assets per employee ($millions) | 3.5623% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,637 |
| Loan loss allowance to noncurrent loans | 14.5976% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 5.1034% | 1,125 |
| Noncurrent loans to loans | 7.9485% | 555 |
| Net loans and leases to total assets | 59.9540% | 4,137 |
| Net loans and leases to deposits | 75.1953% | 3,476 |
| Net loans and leases to core deposits | 97.5085% | 1,464 |
| Total domestic deposits to total assets | 79.7310% | 5,820 |
| Equity capital to assets | 9.3623% | 5,283 |
| Core capital (leverage) ratio | 9.6214% | 3,965 |
| Tier 1 risk-based capital ratio | 14.7468% | 3,806 |
| Total risk-based capital ratio | 15.8097% | 3,912 |
| Memoranda: | ||
| Average total assets | $309,179,500 | 2,079 |
| Average earning assets | $273,173,250 | 2,149 |
| Average equity | $26,438,750 | 2,444 |
| Average total loans | $180,263,500 | 2,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 5,947 |
| Cost of funding earning assets | 1.1907% | 2,640 |
| Net interest margin | 3.1314% | 6,333 |
| Noninterest income to average assets | 0.6208% | 3,003 |
| Noninterest expense to average assets | 3.1732% | 2,991 |
| Loan and lease loss provision to assets | 0.2048% | 3,880 |
| Net operating income to assets | 0.0032% | 6,216 |
| Return on assets (ROA) | 0.0416% | 6,223 |
| Pretax return on assets | 0.0416% | 6,204 |
| Return on Equity (ROE) | 0.5017% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.5017% | 5,651 |
| Net charge-offs to loans | 0.2747% | 3,513 |
| Credit loss provision to net charge-offs | 129.5547% | 2,355 |
| Earnings coverage of net charge-offs (x) | 1.3158% | 4,295 |
| Efficiency ratio | 93.5453% | 1,008 |
| Assets per employee ($millions) | 3.5104% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 5,598 |
| Loan loss allowance to noncurrent loans | 17.7735% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 3.9749% | 1,617 |
| Noncurrent loans to loans | 6.6848% | 807 |
| Net loans and leases to total assets | 57.4245% | 4,739 |
| Net loans and leases to deposits | 71.2529% | 4,244 |
| Net loans and leases to core deposits | 98.0056% | 1,506 |
| Total domestic deposits to total assets | 80.5925% | 5,649 |
| Equity capital to assets | 8.8092% | 5,808 |
| Core capital (leverage) ratio | 9.2261% | 4,360 |
| Tier 1 risk-based capital ratio | 14.7299% | 3,658 |
| Total risk-based capital ratio | 15.8070% | 3,728 |
| Memoranda: | ||
| Average total assets | $312,495,670 | 2,059 |
| Average earning assets | $275,466,670 | 2,139 |
| Average equity | $25,913,330 | 2,475 |
| Average total loans | $179,849,000 | 2,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 5,920 |
| Cost of funding earning assets | 1.2153% | 2,714 |
| Net interest margin | 3.1137% | 6,312 |
| Noninterest income to average assets | 0.6580% | 2,788 |
| Noninterest expense to average assets | 3.1462% | 3,086 |
| Loan and lease loss provision to assets | 0.2164% | 3,487 |
| Net operating income to assets | 0.0280% | 6,283 |
| Return on assets (ROA) | 0.1044% | 6,138 |
| Pretax return on assets | 0.1044% | 6,159 |
| Return on Equity (ROE) | 1.2983% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.2983% | 5,307 |
| Net charge-offs to loans | 0.3778% | 2,558 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.1294% | 3,817 |
| Efficiency ratio | 92.4925% | 1,136 |
| Assets per employee ($millions) | 3.8247% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,925 |
| Loan loss allowance to noncurrent loans | 17.1767% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 3.8363% | 1,747 |
| Noncurrent loans to loans | 6.5822% | 894 |
| Net loans and leases to total assets | 56.0720% | 4,982 |
| Net loans and leases to deposits | 68.6413% | 4,586 |
| Net loans and leases to core deposits | 94.4770% | 1,833 |
| Total domestic deposits to total assets | 81.6884% | 5,429 |
| Equity capital to assets | 8.0773% | 6,409 |
| Core capital (leverage) ratio | 9.2790% | 4,153 |
| Tier 1 risk-based capital ratio | 14.5103% | 3,733 |
| Total risk-based capital ratio | 15.5348% | 3,837 |
| Memoranda: | ||
| Average total assets | $314,285,000 | 2,070 |
| Average earning assets | $275,809,000 | 2,151 |
| Average equity | $25,263,500 | 2,516 |
| Average total loans | $180,010,000 | 2,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 6,762 |
| Cost of funding earning assets | 1.4342% | 3,050 |
| Net interest margin | 2.8821% | 6,922 |
| Noninterest income to average assets | 0.6515% | 3,143 |
| Noninterest expense to average assets | 3.3956% | 2,447 |
| Loan and lease loss provision to assets | 0.5238% | 3,056 |
| Net operating income to assets | -0.7785% | 6,566 |
| Return on assets (ROA) | -0.3520% | 6,293 |
| Pretax return on assets | -0.3443% | 6,193 |
| Return on Equity (ROE) | -4.4944% | 6,387 |
| Retained earnings to average equity (ytd only) | -4.4944% | 6,243 |
| Net charge-offs to loans | 0.9685% | 2,241 |
| Credit loss provision to net charge-offs | 106.1398% | 4,215 |
| Earnings coverage of net charge-offs (x) | -0.5003% | 6,455 |
| Efficiency ratio | 107.5143% | 586 |
| Assets per employee ($millions) | 3.6583% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,698 |
| Loan loss allowance to noncurrent loans | 24.3643% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 2.8399% | 2,468 |
| Noncurrent loans to loans | 4.7549% | 1,454 |
| Net loans and leases to total assets | 57.1941% | 5,151 |
| Net loans and leases to deposits | 70.3177% | 4,778 |
| Net loans and leases to core deposits | 99.1901% | 1,682 |
| Total domestic deposits to total assets | 81.3367% | 5,408 |
| Equity capital to assets | 7.9977% | 6,499 |
| Core capital (leverage) ratio | 9.0955% | 4,367 |
| Tier 1 risk-based capital ratio | 14.3307% | 3,657 |
| Total risk-based capital ratio | 15.3455% | 3,776 |
| Memoranda: | ||
| Average total assets | $310,225,800 | 2,091 |
| Average earning assets | $268,793,600 | 2,191 |
| Average equity | $24,296,800 | 2,628 |
| Average total loans | $158,078,000 | 2,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 7,051 |
| Cost of funding earning assets | 1.4515% | 3,264 |
| Net interest margin | 2.7796% | 7,152 |
| Noninterest income to average assets | 0.7555% | 2,476 |
| Noninterest expense to average assets | 3.3076% | 2,549 |
| Loan and lease loss provision to assets | 0.5038% | 2,940 |
| Net operating income to assets | -0.6492% | 6,694 |
| Return on assets (ROA) | -0.3211% | 6,498 |
| Pretax return on assets | -0.3211% | 6,424 |
| Return on Equity (ROE) | -4.1221% | 6,574 |
| Retained earnings to average equity (ytd only) | -4.1221% | 6,470 |
| Net charge-offs to loans | 1.1205% | 1,819 |
| Credit loss provision to net charge-offs | 91.2976% | 4,716 |
| Earnings coverage of net charge-offs (x) | -0.2634% | 6,223 |
| Efficiency ratio | 104.2712% | 634 |
| Assets per employee ($millions) | 3.7567% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,634 |
| Loan loss allowance to noncurrent loans | 20.5863% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 3.5619% | 1,997 |
| Noncurrent loans to loans | 5.6751% | 1,157 |
| Net loans and leases to total assets | 49.1167% | 6,419 |
| Net loans and leases to deposits | 60.5857% | 6,266 |
| Net loans and leases to core deposits | 84.2841% | 3,900 |
| Total domestic deposits to total assets | 81.0698% | 5,337 |
| Equity capital to assets | 8.6925% | 6,030 |
| Core capital (leverage) ratio | 9.1183% | 4,503 |
| Tier 1 risk-based capital ratio | 14.8225% | 3,334 |
| Total risk-based capital ratio | 15.7565% | 3,481 |
| Memoranda: | ||
| Average total assets | $310,957,500 | 2,122 |
| Average earning assets | $269,236,250 | 2,219 |
| Average equity | $24,226,750 | 2,682 |
| Average total loans | $153,143,250 | 2,759 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 7,134 |
| Cost of funding earning assets | 1.4612% | 3,486 |
| Net interest margin | 2.7752% | 7,180 |
| Noninterest income to average assets | 0.7502% | 2,391 |
| Noninterest expense to average assets | 3.3280% | 2,475 |
| Loan and lease loss provision to assets | 0.4705% | 2,962 |
| Net operating income to assets | -0.6483% | 6,775 |
| Return on assets (ROA) | -0.3725% | 6,580 |
| Pretax return on assets | -0.3725% | 6,493 |
| Return on Equity (ROE) | -4.9805% | 6,696 |
| Retained earnings to average equity (ytd only) | -4.9805% | 6,551 |
| Net charge-offs to loans | 1.5440% | 1,236 |
| Credit loss provision to net charge-offs | 62.0719% | 5,165 |
| Earnings coverage of net charge-offs (x) | -0.2346% | 5,892 |
| Efficiency ratio | 105.3152% | 644 |
| Assets per employee ($millions) | 3.8030% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 6,345 |
| Loan loss allowance to noncurrent loans | 10.9442% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 5.0560% | 1,264 |
| Noncurrent loans to loans | 9.2521% | 506 |
| Net loans and leases to total assets | 46.0578% | 6,774 |
| Net loans and leases to deposits | 55.9842% | 6,729 |
| Net loans and leases to core deposits | 77.7469% | 4,995 |
| Total domestic deposits to total assets | 82.2693% | 4,880 |
| Equity capital to assets | 7.5877% | 7,064 |
| Core capital (leverage) ratio | 8.3433% | 5,683 |
| Tier 1 risk-based capital ratio | 13.4225% | 4,123 |
| Total risk-based capital ratio | 14.1913% | 4,450 |
| Memoranda: | ||
| Average total assets | $308,169,670 | 2,154 |
| Average earning assets | $266,500,000 | 2,257 |
| Average equity | $23,050,000 | 2,794 |
| Average total loans | $151,293,000 | 2,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 6,955 |
| Cost of funding earning assets | 1.4735% | 3,717 |
| Net interest margin | 2.9500% | 6,939 |
| Noninterest income to average assets | 0.7145% | 2,501 |
| Noninterest expense to average assets | 3.4142% | 2,195 |
| Loan and lease loss provision to assets | 0.1996% | 4,509 |
| Net operating income to assets | -0.3553% | 6,718 |
| Return on assets (ROA) | -0.3553% | 6,765 |
| Pretax return on assets | -0.3553% | 6,687 |
| Return on Equity (ROE) | -4.7869% | 6,873 |
| Retained earnings to average equity (ytd only) | -4.7869% | 6,574 |
| Net charge-offs to loans | 1.2654% | 1,348 |
| Credit loss provision to net charge-offs | 31.2500% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.2438% | 5,179 |
| Efficiency ratio | 104.4508% | 712 |
| Assets per employee ($millions) | 3.7503% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,899 |
| Loan loss allowance to noncurrent loans | 19.9027% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 3.3403% | 2,129 |
| Noncurrent loans to loans | 5.6486% | 1,214 |
| Net loans and leases to total assets | 45.1374% | 6,898 |
| Net loans and leases to deposits | 54.9441% | 6,850 |
| Net loans and leases to core deposits | 76.8400% | 5,154 |
| Total domestic deposits to total assets | 82.1516% | 5,009 |
| Equity capital to assets | 7.5684% | 7,015 |
| Core capital (leverage) ratio | 8.8026% | 4,848 |
| Tier 1 risk-based capital ratio | 13.5378% | 3,962 |
| Total risk-based capital ratio | 14.3614% | 4,223 |
| Memoranda: | ||
| Average total assets | $300,625,000 | 2,248 |
| Average earning assets | $259,252,000 | 2,355 |
| Average equity | $22,311,000 | 2,904 |
| Average total loans | $151,735,000 | 2,862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 6,347 |
| Cost of funding earning assets | 2.0444% | 2,746 |
| Net interest margin | 2.9818% | 6,691 |
| Noninterest income to average assets | 0.7038% | 2,941 |
| Noninterest expense to average assets | 5.9306% | 317 |
| Loan and lease loss provision to assets | 0.5708% | 3,523 |
| Net operating income to assets | -3.3158% | 7,465 |
| Return on assets (ROA) | -5.0652% | 7,747 |
| Pretax return on assets | -5.0210% | 7,710 |
| Return on Equity (ROE) | -56.5478% | 7,736 |
| Retained earnings to average equity (ytd only) | -56.5478% | 7,731 |
| Net charge-offs to loans | 0.9313% | 2,532 |
| Credit loss provision to net charge-offs | 125.2022% | 4,179 |
| Earnings coverage of net charge-offs (x) | -5.9245% | 7,122 |
| Efficiency ratio | 101.1699% | 1,048 |
| Assets per employee ($millions) | 3.2846% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,095 |
| Loan loss allowance to noncurrent loans | 18.8098% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 3.8523% | 1,728 |
| Noncurrent loans to loans | 6.6174% | 897 |
| Net loans and leases to total assets | 55.2194% | 6,057 |
| Net loans and leases to deposits | 67.9749% | 5,830 |
| Net loans and leases to core deposits | 81.8627% | 5,922 |
| Total domestic deposits to total assets | 81.2349% | 5,251 |
| Equity capital to assets | 7.2558% | 7,231 |
| Core capital (leverage) ratio | 8.0340% | 6,110 |
| Tier 1 risk-based capital ratio | 11.2921% | 5,623 |
| Total risk-based capital ratio | 12.2449% | 5,886 |
| Memoranda: | ||
| Average total assets | $325,533,000 | 2,078 |
| Average earning assets | $275,776,600 | 2,200 |
| Average equity | $29,159,400 | 2,285 |
| Average total loans | $159,348,200 | 2,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 6,578 |
| Cost of funding earning assets | 2.1229% | 2,785 |
| Net interest margin | 2.8858% | 6,884 |
| Noninterest income to average assets | 0.6962% | 3,040 |
| Noninterest expense to average assets | 3.3192% | 2,838 |
| Loan and lease loss provision to assets | 0.3402% | 4,295 |
| Net operating income to assets | -0.1471% | 5,982 |
| Return on assets (ROA) | -0.6110% | 6,536 |
| Pretax return on assets | -1.2524% | 6,838 |
| Return on Equity (ROE) | -6.5590% | 6,616 |
| Retained earnings to average equity (ytd only) | -6.5590% | 6,456 |
| Net charge-offs to loans | 0.1778% | 4,973 |
| Credit loss provision to net charge-offs | 402.8169% | 984 |
| Earnings coverage of net charge-offs (x) | -2.2207% | 6,761 |
| Efficiency ratio | 102.7598% | 956 |
| Assets per employee ($millions) | 3.6693% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 4,030 |
| Loan loss allowance to noncurrent loans | 15.6729% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 4.6365% | 1,298 |
| Noncurrent loans to loans | 8.8309% | 518 |
| Net loans and leases to total assets | 50.5099% | 6,739 |
| Net loans and leases to deposits | 63.7231% | 6,514 |
| Net loans and leases to core deposits | 81.7223% | 6,209 |
| Total domestic deposits to total assets | 79.2647% | 5,703 |
| Equity capital to assets | 10.2095% | 3,836 |
| Core capital (leverage) ratio | 8.0631% | 6,247 |
| Tier 1 risk-based capital ratio | 10.7231% | 6,227 |
| Total risk-based capital ratio | 11.6611% | 6,504 |
| Memoranda: | ||
| Average total assets | $336,297,000 | 2,037 |
| Average earning assets | $283,818,000 | 2,174 |
| Average equity | $31,325,250 | 2,158 |
| Average total loans | $159,698,250 | 2,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 6,417 |
| Cost of funding earning assets | 2.2014% | 2,787 |
| Net interest margin | 2.9032% | 6,801 |
| Noninterest income to average assets | 0.6725% | 3,180 |
| Noninterest expense to average assets | 3.2697% | 3,084 |
| Loan and lease loss provision to assets | 0.1935% | 5,117 |
| Net operating income to assets | -0.0216% | 5,882 |
| Return on assets (ROA) | -0.8048% | 6,836 |
| Pretax return on assets | -1.5582% | 7,115 |
| Return on Equity (ROE) | -8.9016% | 6,961 |
| Retained earnings to average equity (ytd only) | -8.9016% | 6,764 |
| Net charge-offs to loans | 0.1031% | 5,131 |
| Credit loss provision to net charge-offs | 404.8780% | 1,144 |
| Earnings coverage of net charge-offs (x) | -2.9512% | 6,404 |
| Efficiency ratio | 101.3410% | 1,111 |
| Assets per employee ($millions) | 3.7131% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,126 |
| Loan loss allowance to noncurrent loans | 13.9261% | 7,402 |
| Noncurrent assets plus other real estate owned to assets | 4.0179% | 1,471 |
| Noncurrent loans to loans | 8.4258% | 494 |
| Net loans and leases to total assets | 46.4246% | 7,166 |
| Net loans and leases to deposits | 57.5373% | 7,060 |
| Net loans and leases to core deposits | 76.3612% | 6,648 |
| Total domestic deposits to total assets | 80.6862% | 5,197 |
| Equity capital to assets | 8.9683% | 5,358 |
| Core capital (leverage) ratio | 7.5988% | 6,905 |
| Tier 1 risk-based capital ratio | 10.6260% | 6,257 |
| Total risk-based capital ratio | 11.3872% | 6,711 |
| Memoranda: | ||
| Average total assets | $343,210,000 | 2,016 |
| Average earning assets | $290,366,330 | 2,168 |
| Average equity | $31,028,000 | 2,182 |
| Average total loans | $159,056,000 | 2,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 6,200 |
| Cost of funding earning assets | 2.2833% | 2,777 |
| Net interest margin | 2.9435% | 6,632 |
| Noninterest income to average assets | 0.6637% | 3,112 |
| Noninterest expense to average assets | 3.0944% | 3,398 |
| Loan and lease loss provision to assets | 0.1208% | 5,414 |
| Net operating income to assets | 0.1300% | 5,886 |
| Return on assets (ROA) | 0.1300% | 6,054 |
| Pretax return on assets | -0.0690% | 6,452 |
| Return on Equity (ROE) | 1.4323% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.4323% | 5,052 |
| Net charge-offs to loans | 0.1024% | 4,153 |
| Credit loss provision to net charge-offs | 256.0976% | 1,839 |
| Earnings coverage of net charge-offs (x) | 1.0976% | 4,205 |
| Efficiency ratio | 95.2468% | 1,364 |
| Assets per employee ($millions) | 3.8806% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,880 |
| Loan loss allowance to noncurrent loans | 15.4579% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 3.1038% | 1,817 |
| Noncurrent loans to loans | 6.7138% | 624 |
| Net loans and leases to total assets | 45.2136% | 7,247 |
| Net loans and leases to deposits | 55.5614% | 7,181 |
| Net loans and leases to core deposits | 74.1811% | 6,799 |
| Total domestic deposits to total assets | 81.3760% | 4,803 |
| Equity capital to assets | 8.8729% | 5,518 |
| Core capital (leverage) ratio | 8.5375% | 5,458 |
| Tier 1 risk-based capital ratio | 11.5516% | 5,356 |
| Total risk-based capital ratio | 12.2080% | 5,851 |
| Memoranda: | ||
| Average total assets | $347,727,000 | 1,999 |
| Average earning assets | $293,258,000 | 2,166 |
| Average equity | $31,557,000 | 2,146 |
| Average total loans | $160,093,000 | 2,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1243% | 4,924 |
| Cost of funding earning assets | 2.3794% | 4,818 |
| Net interest margin | 3.7449% | 4,250 |
| Noninterest income to average assets | 0.7648% | 2,696 |
| Noninterest expense to average assets | 8.2149% | 209 |
| Loan and lease loss provision to assets | 0.0887% | 6,270 |
| Net operating income to assets | -3.4275% | 7,897 |
| Return on assets (ROA) | -5.9883% | 8,145 |
| Pretax return on assets | -7.8424% | 8,197 |
| Return on Equity (ROE) | -41.8672% | 8,093 |
| Retained earnings to average equity (ytd only) | -42.2673% | 8,070 |
| Net charge-offs to loans | 0.0646% | 5,852 |
| Credit loss provision to net charge-offs | 322.9167% | 1,395 |
| Earnings coverage of net charge-offs (x) | -159.6146% | 7,013 |
| Efficiency ratio | 84.1500% | 2,039 |
| Assets per employee ($millions) | 3.5691% | 4,501 |
| Cash dividends to net income (ytd only)* | -0.9556% | 7,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,136 |
| Loan loss allowance to noncurrent loans | 21.4382% | 7,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1450% | 2,290 |
| Noncurrent loans to loans | 4.6233% | 1,023 |
| Net loans and leases to total assets | 45.9352% | 7,335 |
| Net loans and leases to deposits | 56.8865% | 7,268 |
| Net loans and leases to core deposits | 75.3409% | 6,894 |
| Total domestic deposits to total assets | 80.7488% | 4,750 |
| Equity capital to assets | 9.2793% | 4,959 |
| Core capital (leverage) ratio | 8.3972% | 5,769 |
| Tier 1 risk-based capital ratio | 12.9950% | 4,115 |
| Total risk-based capital ratio | 13.7111% | 4,362 |
| Memoranda: | ||
| Average total assets | $349,499,000 | 1,904 |
| Average earning assets | $286,122,000 | 2,129 |
| Average equity | $49,989,000 | 1,352 |
| Average total loans | $148,699,400 | 2,953 |