Home > Hometown Community Bank > Performance and Condition Ratios
Hometown 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 | 3.1181% | 6,843 |
| Cost of funding earning assets | 1.1876% | 731 |
| Net interest margin | 1.9305% | 7,054 |
| Noninterest income to average assets | -1.1264% | 7,159 |
| Noninterest expense to average assets | 4.1422% | 781 |
| Loan and lease loss provision to assets | 9.1860% | 1 |
| Net operating income to assets | -12.8112% | 7,180 |
| Return on assets (ROA) | -12.7831% | 7,180 |
| Pretax return on assets | -12.7831% | 7,179 |
| Return on Equity (ROE) | -479.6754% | 7,180 |
| Retained earnings to average equity (ytd only) | -479.6754% | 7,180 |
| Net charge-offs to loans | 12.9361% | 2 |
| Credit loss provision to net charge-offs | 136.2621% | 2,117 |
| Earnings coverage of net charge-offs (x) | -0.5378% | 5,509 |
| Efficiency ratio | 801.1650% | 3 |
| Assets per employee ($millions) | 6.9201% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1501% | 41 |
| Loan loss allowance to noncurrent loans | 35.3520% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 20.9118% | 30 |
| Noncurrent loans to loans | 20.2255% | 38 |
| Net loans and leases to total assets | 47.5285% | 5,603 |
| Net loans and leases to deposits | 54.3482% | 5,778 |
| Net loans and leases to core deposits | 58.4486% | 5,706 |
| Total domestic deposits to total assets | 87.4519% | 2,379 |
| Equity capital to assets | -4.2405% | 7,181 |
| Core capital (leverage) ratio | -3.9720% | 7,181 |
| Tier 1 risk-based capital ratio | -7.0494% | 7,181 |
| Total risk-based capital ratio | -7.0494% | 7,181 |
| Memoranda: | ||
| Average total assets | $132,807,750 | 4,116 |
| Average earning assets | $113,057,000 | 4,312 |
| Average equity | $3,539,250 | 6,759 |
| Average total loans | $69,210,250 | 4,421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1058% | 6,928 |
| Cost of funding earning assets | 1.2278% | 724 |
| Net interest margin | 1.8780% | 7,135 |
| Noninterest income to average assets | 0.4382% | 4,377 |
| Noninterest expense to average assets | 3.8788% | 1,104 |
| Loan and lease loss provision to assets | 1.9180% | 156 |
| Net operating income to assets | -3.7564% | 7,188 |
| Return on assets (ROA) | -3.7151% | 7,187 |
| Pretax return on assets | -3.7151% | 7,183 |
| Return on Equity (ROE) | -77.7200% | 7,197 |
| Retained earnings to average equity (ytd only) | -77.7200% | 7,193 |
| Net charge-offs to loans | 2.7370% | 232 |
| Credit loss provision to net charge-offs | 133.7449% | 2,054 |
| Earnings coverage of net charge-offs (x) | -1.2819% | 5,333 |
| Efficiency ratio | 190.0940% | 45 |
| Assets per employee ($millions) | 7.4248% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4425% | 515 |
| Loan loss allowance to noncurrent loans | 13.8672% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 23.5368% | 20 |
| Noncurrent loans to loans | 24.8249% | 19 |
| Net loans and leases to total assets | 51.4606% | 5,165 |
| Net loans and leases to deposits | 63.7946% | 4,786 |
| Net loans and leases to core deposits | 68.7097% | 4,706 |
| Total domestic deposits to total assets | 80.6661% | 5,566 |
| Equity capital to assets | 3.6746% | 7,152 |
| Core capital (leverage) ratio | 3.5253% | 7,151 |
| Tier 1 risk-based capital ratio | 5.6185% | 7,140 |
| Total risk-based capital ratio | 6.8854% | 7,142 |
| Memoranda: | ||
| Average total assets | $135,556,670 | 4,081 |
| Average earning assets | $115,655,000 | 4,281 |
| Average equity | $6,479,670 | 5,988 |
| Average total loans | $71,026,670 | 4,391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 7,019 |
| Cost of funding earning assets | 1.3159% | 589 |
| Net interest margin | 1.7557% | 7,213 |
| Noninterest income to average assets | 0.4102% | 4,593 |
| Noninterest expense to average assets | 2.6664% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7589% | 6,937 |
| Return on assets (ROA) | -0.7589% | 6,956 |
| Pretax return on assets | -0.7589% | 6,918 |
| Return on Equity (ROE) | -14.2621% | 7,055 |
| Retained earnings to average equity (ytd only) | -14.2621% | 6,956 |
| Net charge-offs to loans | 0.8459% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.7267% | 4,602 |
| Efficiency ratio | 139.7849% | 135 |
| Assets per employee ($millions) | 7.6012% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7274% | 1,083 |
| Loan loss allowance to noncurrent loans | 11.7172% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 22.8254% | 26 |
| Noncurrent loans to loans | 23.2767% | 28 |
| Net loans and leases to total assets | 51.4563% | 5,085 |
| Net loans and leases to deposits | 64.6991% | 4,536 |
| Net loans and leases to core deposits | 70.3889% | 4,356 |
| Total domestic deposits to total assets | 79.5317% | 5,965 |
| Equity capital to assets | 5.2185% | 7,127 |
| Core capital (leverage) ratio | 5.2006% | 7,101 |
| Tier 1 risk-based capital ratio | 8.0355% | 7,091 |
| Total risk-based capital ratio | 9.2981% | 7,091 |
| Memoranda: | ||
| Average total assets | $136,512,000 | 4,100 |
| Average earning assets | $116,421,000 | 4,285 |
| Average equity | $7,264,000 | 5,797 |
| Average total loans | $70,926,500 | 4,420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5457% | 6,967 |
| Cost of funding earning assets | 1.6824% | 342 |
| Net interest margin | 1.8633% | 7,248 |
| Noninterest income to average assets | 0.5619% | 3,418 |
| Noninterest expense to average assets | 2.8552% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.6799% | 6,596 |
| Return on assets (ROA) | -0.4197% | 6,482 |
| Pretax return on assets | -0.4197% | 6,432 |
| Return on Equity (ROE) | -12.8755% | 6,830 |
| Retained earnings to average equity (ytd only) | -12.8755% | 6,803 |
| Net charge-offs to loans | 0.4112% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -3.1843% | 6,330 |
| Efficiency ratio | 131.2563% | 222 |
| Assets per employee ($millions) | 7.1686% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0572% | 773 |
| Loan loss allowance to noncurrent loans | 15.0767% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 20.8681% | 46 |
| Noncurrent loans to loans | 20.2775% | 48 |
| Net loans and leases to total assets | 49.4497% | 5,664 |
| Net loans and leases to deposits | 62.3514% | 5,194 |
| Net loans and leases to core deposits | 71.7763% | 4,559 |
| Total domestic deposits to total assets | 79.3081% | 5,912 |
| Equity capital to assets | 5.4243% | 7,138 |
| Core capital (leverage) ratio | 5.2987% | 7,116 |
| Tier 1 risk-based capital ratio | 8.6160% | 7,070 |
| Total risk-based capital ratio | 9.8805% | 7,070 |
| Memoranda: | ||
| Average total assets | $137,225,200 | 4,028 |
| Average earning assets | $118,819,400 | 4,162 |
| Average equity | $4,473,600 | 6,605 |
| Average total loans | $71,255,200 | 4,439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 6,893 |
| Cost of funding earning assets | 1.7451% | 322 |
| Net interest margin | 1.9964% | 7,298 |
| Noninterest income to average assets | 0.6246% | 3,027 |
| Noninterest expense to average assets | 2.8668% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.5082% | 6,641 |
| Return on assets (ROA) | -0.1620% | 6,421 |
| Pretax return on assets | -0.1620% | 6,379 |
| Return on Equity (ROE) | -5.9455% | 6,714 |
| Retained earnings to average equity (ytd only) | -5.9455% | 6,641 |
| Net charge-offs to loans | 0.2789% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -3.4933% | 6,075 |
| Efficiency ratio | 121.5461% | 294 |
| Assets per employee ($millions) | 7.3322% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1230% | 781 |
| Loan loss allowance to noncurrent loans | 12.6478% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 20.8813% | 46 |
| Noncurrent loans to loans | 24.6918% | 30 |
| Net loans and leases to total assets | 50.4799% | 5,638 |
| Net loans and leases to deposits | 62.4408% | 5,350 |
| Net loans and leases to core deposits | 70.6639% | 4,868 |
| Total domestic deposits to total assets | 80.8443% | 5,483 |
| Equity capital to assets | 4.1813% | 7,310 |
| Core capital (leverage) ratio | 4.1836% | 7,287 |
| Tier 1 risk-based capital ratio | 6.9128% | 7,253 |
| Total risk-based capital ratio | 8.1820% | 7,252 |
| Memoranda: | ||
| Average total assets | $137,480,750 | 4,046 |
| Average earning assets | $119,414,000 | 4,166 |
| Average equity | $3,745,000 | 6,871 |
| Average total loans | $71,700,000 | 4,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 6,915 |
| Cost of funding earning assets | 1.8356% | 274 |
| Net interest margin | 1.9654% | 7,374 |
| Noninterest income to average assets | 0.6619% | 2,755 |
| Noninterest expense to average assets | 2.9064% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.5407% | 6,720 |
| Return on assets (ROA) | -0.1432% | 6,451 |
| Pretax return on assets | -0.1432% | 6,405 |
| Return on Equity (ROE) | -6.4227% | 6,802 |
| Retained earnings to average equity (ytd only) | -6.4227% | 6,682 |
| Net charge-offs to loans | 0.4145% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 5,733 |
| Efficiency ratio | 122.8536% | 316 |
| Assets per employee ($millions) | 7.4793% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1500% | 796 |
| Loan loss allowance to noncurrent loans | 14.3408% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 19.2075% | 74 |
| Noncurrent loans to loans | 21.9650% | 43 |
| Net loans and leases to total assets | 49.0711% | 5,939 |
| Net loans and leases to deposits | 59.1043% | 5,810 |
| Net loans and leases to core deposits | 70.7863% | 4,978 |
| Total domestic deposits to total assets | 83.0246% | 4,740 |
| Equity capital to assets | 2.1822% | 7,471 |
| Core capital (leverage) ratio | 2.1543% | 7,467 |
| Tier 1 risk-based capital ratio | 3.4986% | 7,448 |
| Total risk-based capital ratio | 4.7718% | 7,449 |
| Memoranda: | ||
| Average total assets | $136,870,670 | 4,088 |
| Average earning assets | $118,650,330 | 4,218 |
| Average equity | $3,051,670 | 7,116 |
| Average total loans | $71,403,000 | 4,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 6,945 |
| Cost of funding earning assets | 1.9674% | 186 |
| Net interest margin | 1.8429% | 7,447 |
| Noninterest income to average assets | 0.3903% | 4,784 |
| Noninterest expense to average assets | 2.8126% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8342% | 6,973 |
| Return on assets (ROA) | -0.5154% | 6,817 |
| Pretax return on assets | -0.5154% | 6,760 |
| Return on Equity (ROE) | -22.8609% | 7,254 |
| Retained earnings to average equity (ytd only) | -22.8609% | 7,206 |
| Net charge-offs to loans | 0.1969% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 5,050 |
| Efficiency ratio | 142.1687% | 206 |
| Assets per employee ($millions) | 6.9954% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3530% | 685 |
| Loan loss allowance to noncurrent loans | 16.1896% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 19.6137% | 69 |
| Noncurrent loans to loans | 20.7109% | 61 |
| Net loans and leases to total assets | 51.6357% | 5,628 |
| Net loans and leases to deposits | 62.8797% | 5,401 |
| Net loans and leases to core deposits | 77.0033% | 4,161 |
| Total domestic deposits to total assets | 82.1182% | 5,262 |
| Equity capital to assets | 2.2075% | 7,520 |
| Core capital (leverage) ratio | 2.1502% | 7,522 |
| Tier 1 risk-based capital ratio | 3.4186% | 7,507 |
| Total risk-based capital ratio | 4.6893% | 7,507 |
| Memoranda: | ||
| Average total assets | $134,253,000 | 4,168 |
| Average earning assets | $115,685,000 | 4,306 |
| Average equity | $3,027,000 | 7,161 |
| Average total loans | $71,104,000 | 4,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 7,236 |
| Cost of funding earning assets | 2.5308% | 96 |
| Net interest margin | 1.3053% | 7,563 |
| Noninterest income to average assets | 0.2307% | 6,152 |
| Noninterest expense to average assets | 3.5012% | 2,173 |
| Loan and lease loss provision to assets | 1.5767% | 918 |
| Net operating income to assets | -3.6992% | 7,402 |
| Return on assets (ROA) | -3.4692% | 7,385 |
| Pretax return on assets | -3.4692% | 7,362 |
| Return on Equity (ROE) | -84.2441% | 7,563 |
| Retained earnings to average equity (ytd only) | -84.2441% | 7,560 |
| Net charge-offs to loans | 1.8948% | 1,086 |
| Credit loss provision to net charge-offs | 160.8255% | 2,168 |
| Earnings coverage of net charge-offs (x) | -2.1651% | 6,709 |
| Efficiency ratio | 253.9650% | 44 |
| Assets per employee ($millions) | 7.1365% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3948% | 637 |
| Loan loss allowance to noncurrent loans | 23.1713% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 15.3790% | 152 |
| Noncurrent loans to loans | 14.6509% | 176 |
| Net loans and leases to total assets | 50.7250% | 6,078 |
| Net loans and leases to deposits | 62.1173% | 5,837 |
| Net loans and leases to core deposits | 93.3547% | 2,336 |
| Total domestic deposits to total assets | 81.6600% | 5,309 |
| Equity capital to assets | 2.3010% | 7,603 |
| Core capital (leverage) ratio | 2.2461% | 7,597 |
| Tier 1 risk-based capital ratio | 3.6300% | 7,582 |
| Total risk-based capital ratio | 4.9019% | 7,585 |
| Memoranda: | ||
| Average total assets | $140,867,600 | 4,040 |
| Average earning assets | $123,875,000 | 4,154 |
| Average equity | $5,801,000 | 6,432 |
| Average total loans | $72,883,600 | 4,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 7,298 |
| Cost of funding earning assets | 2.6172% | 89 |
| Net interest margin | 1.3585% | 7,682 |
| Noninterest income to average assets | 0.2035% | 6,443 |
| Noninterest expense to average assets | 2.6697% | 5,007 |
| Loan and lease loss provision to assets | 0.0750% | 6,301 |
| Net operating income to assets | -1.3409% | 7,049 |
| Return on assets (ROA) | -1.0371% | 6,961 |
| Pretax return on assets | -1.0371% | 6,875 |
| Return on Equity (ROE) | -22.7874% | 7,274 |
| Retained earnings to average equity (ytd only) | -22.7874% | 7,262 |
| Net charge-offs to loans | 0.1837% | 4,851 |
| Credit loss provision to net charge-offs | 79.2079% | 5,162 |
| Earnings coverage of net charge-offs (x) | -13.3667% | 6,636 |
| Efficiency ratio | 190.1804% | 100 |
| Assets per employee ($millions) | 7.2091% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 1,686 |
| Loan loss allowance to noncurrent loans | 19.3967% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 14.3313% | 176 |
| Noncurrent loans to loans | 11.6553% | 313 |
| Net loans and leases to total assets | 49.1126% | 6,420 |
| Net loans and leases to deposits | 62.3457% | 6,083 |
| Net loans and leases to core deposits | 94.1288% | 2,512 |
| Total domestic deposits to total assets | 78.7746% | 6,072 |
| Equity capital to assets | 5.2032% | 7,558 |
| Core capital (leverage) ratio | 4.8275% | 7,564 |
| Tier 1 risk-based capital ratio | 7.8980% | 7,487 |
| Total risk-based capital ratio | 9.1551% | 7,489 |
| Memoranda: | ||
| Average total assets | $142,186,000 | 4,073 |
| Average earning assets | $125,627,000 | 4,168 |
| Average equity | $6,471,250 | 6,290 |
| Average total loans | $73,305,250 | 4,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 7,432 |
| Cost of funding earning assets | 2.6690% | 102 |
| Net interest margin | 1.2272% | 7,765 |
| Noninterest income to average assets | 0.1654% | 6,721 |
| Noninterest expense to average assets | 2.5055% | 5,703 |
| Loan and lease loss provision to assets | 0.0834% | 6,095 |
| Net operating income to assets | -1.3271% | 7,085 |
| Return on assets (ROA) | -1.2395% | 7,063 |
| Pretax return on assets | -1.2395% | 6,983 |
| Return on Equity (ROE) | -28.5318% | 7,415 |
| Retained earnings to average equity (ytd only) | -28.5318% | 7,400 |
| Net charge-offs to loans | 0.2701% | 3,992 |
| Credit loss provision to net charge-offs | 59.4059% | 5,218 |
| Earnings coverage of net charge-offs (x) | -8.8614% | 6,317 |
| Efficiency ratio | 198.5683% | 101 |
| Assets per employee ($millions) | 7.5839% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 2,008 |
| Loan loss allowance to noncurrent loans | 14.1476% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 12.4585% | 246 |
| Noncurrent loans to loans | 14.7050% | 177 |
| Net loans and leases to total assets | 50.1728% | 6,414 |
| Net loans and leases to deposits | 63.4264% | 6,096 |
| Net loans and leases to core deposits | 104.7373% | 1,562 |
| Total domestic deposits to total assets | 79.1039% | 6,007 |
| Equity capital to assets | 5.0495% | 7,630 |
| Core capital (leverage) ratio | 4.7607% | 7,627 |
| Tier 1 risk-based capital ratio | 8.2660% | 7,504 |
| Total risk-based capital ratio | 9.5273% | 7,516 |
| Memoranda: | ||
| Average total assets | $143,923,670 | 4,058 |
| Average earning assets | $128,585,330 | 4,117 |
| Average equity | $6,252,670 | 6,391 |
| Average total loans | $74,798,000 | 4,610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 7,329 |
| Cost of funding earning assets | 2.6634% | 137 |
| Net interest margin | 1.4838% | 7,834 |
| Noninterest income to average assets | 0.1947% | 6,569 |
| Noninterest expense to average assets | 2.5723% | 5,469 |
| Loan and lease loss provision to assets | 0.0834% | 5,804 |
| Net operating income to assets | -1.1318% | 7,183 |
| Return on assets (ROA) | -1.1040% | 7,183 |
| Pretax return on assets | -1.1040% | 7,100 |
| Return on Equity (ROE) | -27.6607% | 7,540 |
| Retained earnings to average equity (ytd only) | -27.6607% | 7,506 |
| Net charge-offs to loans | 0.2922% | 3,245 |
| Credit loss provision to net charge-offs | 54.5455% | 4,411 |
| Earnings coverage of net charge-offs (x) | -6.8545% | 5,547 |
| Efficiency ratio | 168.7956% | 149 |
| Assets per employee ($millions) | 7.7960% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 1,996 |
| Loan loss allowance to noncurrent loans | 11.4084% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 13.5171% | 187 |
| Noncurrent loans to loans | 18.2276% | 103 |
| Net loans and leases to total assets | 49.3384% | 6,541 |
| Net loans and leases to deposits | 61.7210% | 6,301 |
| Net loans and leases to core deposits | 80.5063% | 4,704 |
| Total domestic deposits to total assets | 79.9378% | 5,802 |
| Equity capital to assets | 4.7757% | 7,740 |
| Core capital (leverage) ratio | 5.0019% | 7,701 |
| Tier 1 risk-based capital ratio | 8.5004% | 7,560 |
| Total risk-based capital ratio | 9.7565% | 7,577 |
| Memoranda: | ||
| Average total assets | $143,838,500 | 4,130 |
| Average earning assets | $128,858,000 | 4,175 |
| Average equity | $5,741,000 | 6,598 |
| Average total loans | $75,281,000 | 4,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 7,556 |
| Cost of funding earning assets | 3.1245% | 156 |
| Net interest margin | 1.1825% | 7,907 |
| Noninterest income to average assets | 0.0030% | 7,682 |
| Noninterest expense to average assets | 2.7298% | 5,248 |
| Loan and lease loss provision to assets | 0.2361% | 5,482 |
| Net operating income to assets | -1.9023% | 7,052 |
| Return on assets (ROA) | -1.5695% | 6,894 |
| Pretax return on assets | -1.5695% | 6,737 |
| Return on Equity (ROE) | -36.2761% | 7,508 |
| Retained earnings to average equity (ytd only) | -36.2761% | 7,496 |
| Net charge-offs to loans | 2.5933% | 877 |
| Credit loss provision to net charge-offs | 15.4110% | 6,957 |
| Earnings coverage of net charge-offs (x) | -1.0876% | 6,894 |
| Efficiency ratio | 256.6596% | 80 |
| Assets per employee ($millions) | 7.3449% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 1,862 |
| Loan loss allowance to noncurrent loans | 14.0866% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 11.9804% | 253 |
| Noncurrent loans to loans | 14.7442% | 181 |
| Net loans and leases to total assets | 53.2780% | 6,274 |
| Net loans and leases to deposits | 66.0874% | 6,035 |
| Net loans and leases to core deposits | 106.6958% | 3,252 |
| Total domestic deposits to total assets | 80.6174% | 5,464 |
| Equity capital to assets | 3.1587% | 7,908 |
| Core capital (leverage) ratio | 3.4671% | 7,877 |
| Tier 1 risk-based capital ratio | 5.5309% | 7,841 |
| Total risk-based capital ratio | 6.7880% | 7,847 |
| Memoranda: | ||
| Average total assets | $133,416,200 | 4,270 |
| Average earning assets | $119,665,600 | 4,322 |
| Average equity | $5,772,400 | 6,683 |
| Average total loans | $78,818,200 | 4,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 7,629 |
| Cost of funding earning assets | 3.2013% | 188 |
| Net interest margin | 1.1691% | 7,995 |
| Noninterest income to average assets | -0.0607% | 7,905 |
| Noninterest expense to average assets | 2.5982% | 5,717 |
| Loan and lease loss provision to assets | 0.1567% | 5,782 |
| Net operating income to assets | -1.7682% | 7,224 |
| Return on assets (ROA) | -1.4770% | 7,093 |
| Pretax return on assets | -1.4770% | 6,948 |
| Return on Equity (ROE) | -31.8631% | 7,643 |
| Retained earnings to average equity (ytd only) | -31.8631% | 7,627 |
| Net charge-offs to loans | 3.3843% | 449 |
| Credit loss provision to net charge-offs | 7.6771% | 6,628 |
| Earnings coverage of net charge-offs (x) | -0.7895% | 6,589 |
| Efficiency ratio | 263.3197% | 79 |
| Assets per employee ($millions) | 7.0033% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 1,979 |
| Loan loss allowance to noncurrent loans | 14.0218% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 12.5189% | 204 |
| Noncurrent loans to loans | 13.6937% | 196 |
| Net loans and leases to total assets | 55.3557% | 6,222 |
| Net loans and leases to deposits | 70.0997% | 5,906 |
| Net loans and leases to core deposits | 99.1359% | 4,468 |
| Total domestic deposits to total assets | 78.9671% | 5,818 |
| Equity capital to assets | 4.0094% | 8,000 |
| Core capital (leverage) ratio | 4.0366% | 7,985 |
| Tier 1 risk-based capital ratio | 6.1964% | 7,947 |
| Total risk-based capital ratio | 7.4511% | 7,952 |
| Memoranda: | ||
| Average total assets | $131,882,000 | 4,323 |
| Average earning assets | $118,155,750 | 4,383 |
| Average equity | $6,113,500 | 6,626 |
| Average total loans | $79,540,750 | 4,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 7,660 |
| Cost of funding earning assets | 3.2294% | 247 |
| Net interest margin | 1.2276% | 8,071 |
| Noninterest income to average assets | -0.1369% | 8,051 |
| Noninterest expense to average assets | 2.5173% | 6,062 |
| Loan and lease loss provision to assets | 0.1901% | 5,140 |
| Net operating income to assets | -1.7446% | 7,341 |
| Return on assets (ROA) | -1.3461% | 7,185 |
| Pretax return on assets | -1.3461% | 7,010 |
| Return on Equity (ROE) | -27.7734% | 7,681 |
| Retained earnings to average equity (ytd only) | -27.7734% | 7,653 |
| Net charge-offs to loans | 4.5840% | 282 |
| Credit loss provision to net charge-offs | 6.7313% | 6,205 |
| Earnings coverage of net charge-offs (x) | -0.5504% | 6,099 |
| Efficiency ratio | 261.4534% | 108 |
| Assets per employee ($millions) | 6.6709% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 1,479 |
| Loan loss allowance to noncurrent loans | 21.5764% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 9.8061% | 309 |
| Noncurrent loans to loans | 9.4997% | 384 |
| Net loans and leases to total assets | 56.3781% | 6,168 |
| Net loans and leases to deposits | 71.5837% | 5,799 |
| Net loans and leases to core deposits | 93.4826% | 5,176 |
| Total domestic deposits to total assets | 78.7583% | 5,875 |
| Equity capital to assets | 4.1719% | 8,091 |
| Core capital (leverage) ratio | 4.4228% | 8,064 |
| Tier 1 risk-based capital ratio | 6.6977% | 8,027 |
| Total risk-based capital ratio | 7.9520% | 8,033 |
| Memoranda: | ||
| Average total assets | $131,488,330 | 4,362 |
| Average earning assets | $117,792,670 | 4,420 |
| Average equity | $6,373,000 | 6,585 |
| Average total loans | $81,021,000 | 4,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 7,756 |
| Cost of funding earning assets | 3.2062% | 337 |
| Net interest margin | 1.2476% | 8,118 |
| Noninterest income to average assets | 0.0276% | 7,942 |
| Noninterest expense to average assets | 2.3658% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.2197% | 7,372 |
| Return on assets (ROA) | -1.1737% | 7,360 |
| Pretax return on assets | -1.1737% | 7,242 |
| Return on Equity (ROE) | -22.6075% | 7,804 |
| Retained earnings to average equity (ytd only) | -22.6075% | 7,712 |
| Net charge-offs to loans | 0.0577% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -33.1667% | 5,685 |
| Efficiency ratio | 206.4171% | 174 |
| Assets per employee ($millions) | 6.3676% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9919% | 224 |
| Loan loss allowance to noncurrent loans | 37.9624% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 10.5236% | 202 |
| Noncurrent loans to loans | 10.5153% | 255 |
| Net loans and leases to total assets | 59.2466% | 5,776 |
| Net loans and leases to deposits | 76.0227% | 5,222 |
| Net loans and leases to core deposits | 97.3280% | 4,813 |
| Total domestic deposits to total assets | 77.9328% | 6,037 |
| Equity capital to assets | 4.9858% | 8,117 |
| Core capital (leverage) ratio | 4.8425% | 8,135 |
| Tier 1 risk-based capital ratio | 6.6942% | 8,114 |
| Total risk-based capital ratio | 7.9709% | 8,124 |
| Memoranda: | ||
| Average total assets | $130,524,000 | 4,399 |
| Average earning assets | $117,024,500 | 4,457 |
| Average equity | $6,776,500 | 6,492 |
| Average total loans | $83,135,500 | 4,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8288% | 6,339 |
| Cost of funding earning assets | 3.3371% | 840 |
| Net interest margin | 2.4917% | 7,764 |
| Noninterest income to average assets | 0.2078% | 6,953 |
| Noninterest expense to average assets | 3.0892% | 3,740 |
| Loan and lease loss provision to assets | 3.6555% | 203 |
| Net operating income to assets | -4.3822% | 8,039 |
| Return on assets (ROA) | -4.2981% | 8,010 |
| Pretax return on assets | -4.1789% | 7,922 |
| Return on Equity (ROE) | -49.1529% | 8,149 |
| Retained earnings to average equity (ytd only) | -49.1529% | 8,133 |
| Net charge-offs to loans | 2.0383% | 525 |
| Credit loss provision to net charge-offs | 241.8794% | 1,934 |
| Earnings coverage of net charge-offs (x) | -0.4020% | 6,457 |
| Efficiency ratio | 124.4790% | 523 |
| Assets per employee ($millions) | 6.0633% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9473% | 198 |
| Loan loss allowance to noncurrent loans | 54.2590% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 8.4937% | 256 |
| Noncurrent loans to loans | 7.2750% | 400 |
| Net loans and leases to total assets | 63.1804% | 5,424 |
| Net loans and leases to deposits | 84.0502% | 4,418 |
| Net loans and leases to core deposits | 107.5725% | 4,015 |
| Total domestic deposits to total assets | 75.1698% | 6,416 |
| Equity capital to assets | 5.4080% | 8,143 |
| Core capital (leverage) ratio | 5.6135% | 8,146 |
| Tier 1 risk-based capital ratio | 6.8977% | 8,177 |
| Total risk-based capital ratio | 8.1738% | 8,184 |
| Memoranda: | ||
| Average total assets | $114,074,200 | 4,666 |
| Average earning assets | $104,103,600 | 4,679 |
| Average equity | $9,975,000 | 5,419 |
| Average total loans | $84,581,800 | 4,381 |