Home > Orange Bank of Florida > Performance and Condition Ratios
Orange Bank of Florida, Performance and Condition Ratios
| 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 | 4.3288% | 2,416 |
| Cost of funding earning assets | 0.4139% | 3,826 |
| Net interest margin | 3.9149% | 2,041 |
| Noninterest income to average assets | 0.3398% | 4,658 |
| Noninterest expense to average assets | 3.1573% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6664% | 3,862 |
| Return on assets (ROA) | 0.6664% | 3,951 |
| Pretax return on assets | 0.6664% | 4,611 |
| Return on Equity (ROE) | 6.0046% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.0046% | 2,540 |
| Net charge-offs to loans | 0.2815% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.1062% | 2,731 |
| Efficiency ratio | 82.5720% | 1,856 |
| Assets per employee ($millions) | 4.9045% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5725% | 745 |
| Loan loss allowance to noncurrent loans | 128.5892% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 2,088 |
| Noncurrent loans to loans | 2.0006% | 1,863 |
| Net loans and leases to total assets | 72.4635% | 1,502 |
| Net loans and leases to deposits | 85.0238% | 1,720 |
| Net loans and leases to core deposits | 102.9867% | 925 |
| Total domestic deposits to total assets | 85.2273% | 3,759 |
| Equity capital to assets | 10.9807% | 2,733 |
| Core capital (leverage) ratio | 11.2831% | 2,158 |
| Tier 1 risk-based capital ratio | 13.5107% | 4,671 |
| Total risk-based capital ratio | 14.7740% | 4,604 |
| Memoranda: | ||
| Average total assets | $210,686,000 | 2,922 |
| Average earning assets | $187,490,000 | 3,000 |
| Average equity | $23,382,000 | 2,807 |
| Average total loans | $160,595,000 | 2,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 3,388 |
| Cost of funding earning assets | 0.4422% | 4,192 |
| Net interest margin | 3.7454% | 2,877 |
| Noninterest income to average assets | 0.2512% | 5,546 |
| Noninterest expense to average assets | 3.3274% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3136% | 5,474 |
| Return on assets (ROA) | 0.3615% | 5,403 |
| Pretax return on assets | 0.3615% | 5,581 |
| Return on Equity (ROE) | 3.4518% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.4518% | 3,776 |
| Net charge-offs to loans | 0.9231% | 660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4574% | 4,926 |
| Efficiency ratio | 91.3860% | 918 |
| Assets per employee ($millions) | 4.5683% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 706 |
| Loan loss allowance to noncurrent loans | 160.9256% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 2,486 |
| Noncurrent loans to loans | 1.6405% | 2,445 |
| Net loans and leases to total assets | 76.1012% | 1,060 |
| Net loans and leases to deposits | 91.5135% | 1,111 |
| Net loans and leases to core deposits | 115.4243% | 435 |
| Total domestic deposits to total assets | 83.1585% | 4,488 |
| Equity capital to assets | 11.2212% | 2,408 |
| Core capital (leverage) ratio | 11.0456% | 2,348 |
| Tier 1 risk-based capital ratio | 13.6463% | 4,554 |
| Total risk-based capital ratio | 14.9117% | 4,489 |
| Memoranda: | ||
| Average total assets | $219,362,400 | 2,814 |
| Average earning assets | $198,534,800 | 2,840 |
| Average equity | $22,973,400 | 2,825 |
| Average total loans | $162,923,800 | 2,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 4,323 |
| Cost of funding earning assets | 0.4529% | 4,247 |
| Net interest margin | 3.4953% | 3,904 |
| Noninterest income to average assets | 0.3136% | 5,199 |
| Noninterest expense to average assets | 3.3684% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1041% | 6,130 |
| Return on assets (ROA) | 0.1592% | 6,087 |
| Pretax return on assets | 0.1592% | 6,117 |
| Return on Equity (ROE) | 1.5454% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.5454% | 5,358 |
| Net charge-offs to loans | 0.1566% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.9062% | 4,547 |
| Efficiency ratio | 97.0016% | 575 |
| Assets per employee ($millions) | 4.9882% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4215% | 361 |
| Loan loss allowance to noncurrent loans | 78.0683% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 3.5591% | 944 |
| Noncurrent loans to loans | 4.3828% | 758 |
| Net loans and leases to total assets | 73.0752% | 1,437 |
| Net loans and leases to deposits | 86.2870% | 1,582 |
| Net loans and leases to core deposits | 103.2549% | 919 |
| Total domestic deposits to total assets | 84.6886% | 3,890 |
| Equity capital to assets | 10.5994% | 3,160 |
| Core capital (leverage) ratio | 10.6231% | 2,869 |
| Tier 1 risk-based capital ratio | 13.2330% | 4,961 |
| Total risk-based capital ratio | 14.5086% | 4,878 |
| Memoranda: | ||
| Average total assets | $222,809,250 | 2,803 |
| Average earning assets | $201,373,000 | 2,833 |
| Average equity | $22,949,750 | 2,856 |
| Average total loans | $163,483,000 | 2,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 4,531 |
| Cost of funding earning assets | 0.4743% | 4,155 |
| Net interest margin | 3.4124% | 4,151 |
| Noninterest income to average assets | 0.3085% | 5,235 |
| Noninterest expense to average assets | 3.4329% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0434% | 6,351 |
| Return on assets (ROA) | 0.0381% | 6,331 |
| Pretax return on assets | 0.0381% | 6,314 |
| Return on Equity (ROE) | 0.3736% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.3736% | 5,746 |
| Net charge-offs to loans | 0.1635% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.3657% | 4,645 |
| Efficiency ratio | 101.2817% | 445 |
| Assets per employee ($millions) | 4.6491% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4414% | 391 |
| Loan loss allowance to noncurrent loans | 79.6904% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 3.6538% | 1,019 |
| Noncurrent loans to loans | 4.3185% | 839 |
| Net loans and leases to total assets | 73.6147% | 1,310 |
| Net loans and leases to deposits | 86.6133% | 1,497 |
| Net loans and leases to core deposits | 104.7243% | 807 |
| Total domestic deposits to total assets | 84.9924% | 3,895 |
| Equity capital to assets | 10.5369% | 3,253 |
| Core capital (leverage) ratio | 10.2989% | 3,099 |
| Tier 1 risk-based capital ratio | 12.9253% | 5,202 |
| Total risk-based capital ratio | 14.1961% | 5,119 |
| Memoranda: | ||
| Average total assets | $225,581,000 | 2,785 |
| Average earning assets | $203,669,330 | 2,829 |
| Average equity | $23,021,330 | 2,865 |
| Average total loans | $163,879,000 | 2,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,780 |
| Cost of funding earning assets | 0.4706% | 4,366 |
| Net interest margin | 3.3437% | 4,340 |
| Noninterest income to average assets | 0.3111% | 5,203 |
| Noninterest expense to average assets | 3.2924% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0398% | 6,278 |
| Return on assets (ROA) | 0.0484% | 6,337 |
| Pretax return on assets | 0.0484% | 6,338 |
| Return on Equity (ROE) | 0.4814% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.4814% | 5,634 |
| Net charge-offs to loans | 0.3725% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1503% | 3,767 |
| Efficiency ratio | 98.8071% | 596 |
| Assets per employee ($millions) | 4.9347% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4785% | 423 |
| Loan loss allowance to noncurrent loans | 81.5755% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 3.5202% | 1,203 |
| Noncurrent loans to loans | 4.2642% | 1,014 |
| Net loans and leases to total assets | 69.8746% | 1,681 |
| Net loans and leases to deposits | 82.0927% | 1,816 |
| Net loans and leases to core deposits | 102.0171% | 824 |
| Total domestic deposits to total assets | 85.1168% | 3,980 |
| Equity capital to assets | 10.5052% | 3,532 |
| Core capital (leverage) ratio | 9.8550% | 3,593 |
| Tier 1 risk-based capital ratio | 12.9269% | 5,282 |
| Total risk-based capital ratio | 14.2013% | 5,209 |
| Memoranda: | ||
| Average total assets | $231,442,500 | 2,764 |
| Average earning assets | $209,112,500 | 2,788 |
| Average equity | $23,265,000 | 2,889 |
| Average total loans | $164,297,500 | 2,387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 5,412 |
| Cost of funding earning assets | 0.7033% | 3,464 |
| Net interest margin | 3.2598% | 5,398 |
| Noninterest income to average assets | 0.1172% | 6,448 |
| Noninterest expense to average assets | 2.8389% | 3,878 |
| Loan and lease loss provision to assets | 0.4639% | 1,351 |
| Net operating income to assets | -0.2277% | 6,390 |
| Return on assets (ROA) | 0.1283% | 6,096 |
| Pretax return on assets | 0.1283% | 6,106 |
| Return on Equity (ROE) | 1.4815% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.4815% | 5,125 |
| Net charge-offs to loans | 0.2267% | 3,578 |
| Credit loss provision to net charge-offs | 296.4455% | 828 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 4,690 |
| Efficiency ratio | 90.0036% | 1,072 |
| Assets per employee ($millions) | 5.1239% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4229% | 457 |
| Loan loss allowance to noncurrent loans | 82.0597% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 3.3240% | 1,380 |
| Noncurrent loans to loans | 4.1713% | 1,093 |
| Net loans and leases to total assets | 67.3079% | 2,320 |
| Net loans and leases to deposits | 76.3261% | 2,746 |
| Net loans and leases to core deposits | 84.4925% | 2,490 |
| Total domestic deposits to total assets | 88.1847% | 2,102 |
| Equity capital to assets | 9.6345% | 4,685 |
| Core capital (leverage) ratio | 9.1244% | 4,699 |
| Tier 1 risk-based capital ratio | 12.3609% | 5,568 |
| Total risk-based capital ratio | 13.6349% | 5,506 |
| Memoranda: | ||
| Average total assets | $269,684,800 | 2,347 |
| Average earning assets | $244,710,400 | 2,373 |
| Average equity | $23,354,000 | 2,816 |
| Average total loans | $186,183,200 | 2,131 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 5,575 |
| Cost of funding earning assets | 0.7433% | 3,402 |
| Net interest margin | 3.2360% | 5,597 |
| Noninterest income to average assets | 0.0814% | 6,684 |
| Noninterest expense to average assets | 2.7244% | 4,272 |
| Loan and lease loss provision to assets | 0.5590% | 1,028 |
| Net operating income to assets | -0.2591% | 6,539 |
| Return on assets (ROA) | 0.2022% | 6,076 |
| Pretax return on assets | 0.2022% | 6,117 |
| Return on Equity (ROE) | 2.3939% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.3939% | 5,135 |
| Net charge-offs to loans | 0.2600% | 3,167 |
| Credit loss provision to net charge-offs | 312.0968% | 862 |
| Earnings coverage of net charge-offs (x) | 1.6747% | 4,435 |
| Efficiency ratio | 87.7886% | 1,216 |
| Assets per employee ($millions) | 5.4361% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1768% | 613 |
| Loan loss allowance to noncurrent loans | 63.6790% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.8484% | 927 |
| Noncurrent loans to loans | 4.9888% | 908 |
| Net loans and leases to total assets | 69.5341% | 2,004 |
| Net loans and leases to deposits | 78.8604% | 2,549 |
| Net loans and leases to core deposits | 90.9594% | 1,877 |
| Total domestic deposits to total assets | 88.1736% | 1,940 |
| Equity capital to assets | 9.3134% | 5,450 |
| Core capital (leverage) ratio | 8.8289% | 5,296 |
| Tier 1 risk-based capital ratio | 11.4313% | 6,266 |
| Total risk-based capital ratio | 12.7019% | 6,224 |
| Memoranda: | ||
| Average total assets | $276,900,250 | 2,321 |
| Average earning assets | $251,829,250 | 2,335 |
| Average equity | $23,392,000 | 2,834 |
| Average total loans | $190,769,500 | 2,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 5,613 |
| Cost of funding earning assets | 0.7898% | 3,276 |
| Net interest margin | 3.2198% | 5,676 |
| Noninterest income to average assets | 0.2316% | 5,915 |
| Noninterest expense to average assets | 2.5419% | 4,989 |
| Loan and lease loss provision to assets | 0.6444% | 886 |
| Net operating income to assets | -0.0224% | 6,352 |
| Return on assets (ROA) | 0.3778% | 5,539 |
| Pretax return on assets | 0.3778% | 5,757 |
| Return on Equity (ROE) | 4.6102% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.6102% | 3,544 |
| Net charge-offs to loans | 0.1409% | 3,793 |
| Credit loss provision to net charge-offs | 672.2628% | 472 |
| Earnings coverage of net charge-offs (x) | 6.4891% | 2,631 |
| Efficiency ratio | 78.2176% | 2,427 |
| Assets per employee ($millions) | 5.9797% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0865% | 725 |
| Loan loss allowance to noncurrent loans | 85.5342% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 3.7401% | 1,391 |
| Noncurrent loans to loans | 3.6085% | 1,588 |
| Net loans and leases to total assets | 66.5132% | 2,568 |
| Net loans and leases to deposits | 75.3702% | 3,066 |
| Net loans and leases to core deposits | 87.0968% | 2,304 |
| Total domestic deposits to total assets | 88.2487% | 1,987 |
| Equity capital to assets | 8.7760% | 5,943 |
| Core capital (leverage) ratio | 8.2209% | 6,022 |
| Tier 1 risk-based capital ratio | 10.6412% | 6,645 |
| Total risk-based capital ratio | 11.9090% | 6,622 |
| Memoranda: | ||
| Average total assets | $285,847,000 | 2,264 |
| Average earning assets | $260,330,000 | 2,255 |
| Average equity | $23,426,330 | 2,813 |
| Average total loans | $194,498,670 | 2,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 5,311 |
| Cost of funding earning assets | 0.8134% | 3,363 |
| Net interest margin | 3.3279% | 5,376 |
| Noninterest income to average assets | 0.2189% | 6,047 |
| Noninterest expense to average assets | 2.3574% | 5,604 |
| Loan and lease loss provision to assets | 1.0142% | 402 |
| Net operating income to assets | -0.1156% | 6,557 |
| Return on assets (ROA) | 0.0707% | 6,414 |
| Pretax return on assets | 0.0707% | 6,426 |
| Return on Equity (ROE) | 0.8915% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.8915% | 5,705 |
| Net charge-offs to loans | 0.5837% | 1,639 |
| Credit loss provision to net charge-offs | 256.3574% | 1,118 |
| Earnings coverage of net charge-offs (x) | 2.2715% | 3,260 |
| Efficiency ratio | 70.3967% | 3,746 |
| Assets per employee ($millions) | 6.4002% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7507% | 1,055 |
| Loan loss allowance to noncurrent loans | 71.2902% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 3.8152% | 1,461 |
| Noncurrent loans to loans | 3.8584% | 1,602 |
| Net loans and leases to total assets | 65.9316% | 2,480 |
| Net loans and leases to deposits | 73.9979% | 3,125 |
| Net loans and leases to core deposits | 87.5601% | 2,110 |
| Total domestic deposits to total assets | 89.0993% | 1,642 |
| Equity capital to assets | 8.1306% | 6,428 |
| Core capital (leverage) ratio | 7.5048% | 6,626 |
| Tier 1 risk-based capital ratio | 9.8169% | 6,913 |
| Total risk-based capital ratio | 11.0811% | 6,913 |
| Memoranda: | ||
| Average total assets | $294,228,000 | 2,209 |
| Average earning assets | $268,514,500 | 2,215 |
| Average equity | $23,332,000 | 2,815 |
| Average total loans | $199,409,500 | 2,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 6,445 |
| Cost of funding earning assets | 1.0562% | 2,978 |
| Net interest margin | 2.9466% | 6,611 |
| Noninterest income to average assets | 0.1708% | 6,262 |
| Noninterest expense to average assets | 2.9101% | 3,919 |
| Loan and lease loss provision to assets | 0.5079% | 2,068 |
| Net operating income to assets | -0.5284% | 6,510 |
| Return on assets (ROA) | -0.5284% | 6,552 |
| Pretax return on assets | -0.5952% | 6,549 |
| Return on Equity (ROE) | -7.1283% | 6,641 |
| Retained earnings to average equity (ytd only) | -7.1283% | 6,580 |
| Net charge-offs to loans | 1.1823% | 1,427 |
| Credit loss provision to net charge-offs | 64.9959% | 5,033 |
| Earnings coverage of net charge-offs (x) | -0.1118% | 5,899 |
| Efficiency ratio | 95.2235% | 858 |
| Assets per employee ($millions) | 9.3890% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4150% | 1,440 |
| Loan loss allowance to noncurrent loans | 46.8235% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 4.9496% | 1,083 |
| Noncurrent loans to loans | 5.1577% | 1,076 |
| Net loans and leases to total assets | 66.1158% | 2,760 |
| Net loans and leases to deposits | 74.0216% | 3,494 |
| Net loans and leases to core deposits | 90.4810% | 2,059 |
| Total domestic deposits to total assets | 89.3196% | 1,354 |
| Equity capital to assets | 7.7375% | 6,717 |
| Core capital (leverage) ratio | 6.8946% | 6,899 |
| Tier 1 risk-based capital ratio | 9.4712% | 6,967 |
| Total risk-based capital ratio | 10.7322% | 6,957 |
| Memoranda: | ||
| Average total assets | $311,502,000 | 2,059 |
| Average earning assets | $280,353,200 | 2,096 |
| Average equity | $23,091,200 | 2,770 |
| Average total loans | $205,874,000 | 1,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 6,572 |
| Cost of funding earning assets | 1.0936% | 3,026 |
| Net interest margin | 2.9152% | 6,731 |
| Noninterest income to average assets | 0.1769% | 6,321 |
| Noninterest expense to average assets | 2.7547% | 4,517 |
| Loan and lease loss provision to assets | 0.6712% | 1,439 |
| Net operating income to assets | -0.6330% | 6,718 |
| Return on assets (ROA) | -0.6330% | 6,753 |
| Pretax return on assets | -0.6330% | 6,696 |
| Return on Equity (ROE) | -8.6294% | 6,849 |
| Retained earnings to average equity (ytd only) | -8.6294% | 6,803 |
| Net charge-offs to loans | 1.3556% | 1,116 |
| Credit loss provision to net charge-offs | 75.3692% | 4,298 |
| Earnings coverage of net charge-offs (x) | 0.0429% | 5,567 |
| Efficiency ratio | 96.4454% | 792 |
| Assets per employee ($millions) | 9.6548% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5538% | 1,322 |
| Loan loss allowance to noncurrent loans | 110.0377% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 3.1302% | 2,043 |
| Noncurrent loans to loans | 2.3208% | 2,983 |
| Net loans and leases to total assets | 62.8883% | 3,532 |
| Net loans and leases to deposits | 70.0675% | 4,294 |
| Net loans and leases to core deposits | 84.4732% | 2,988 |
| Total domestic deposits to total assets | 89.7539% | 1,009 |
| Equity capital to assets | 7.4232% | 6,948 |
| Core capital (leverage) ratio | 6.6435% | 7,043 |
| Tier 1 risk-based capital ratio | 9.3514% | 7,074 |
| Total risk-based capital ratio | 10.6139% | 7,069 |
| Memoranda: | ||
| Average total assets | $314,265,750 | 2,048 |
| Average earning assets | $282,007,250 | 2,088 |
| Average equity | $23,052,250 | 2,772 |
| Average total loans | $206,452,750 | 2,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 6,600 |
| Cost of funding earning assets | 1.1200% | 3,098 |
| Net interest margin | 2.9186% | 6,753 |
| Noninterest income to average assets | 0.2314% | 5,996 |
| Noninterest expense to average assets | 2.8368% | 4,284 |
| Loan and lease loss provision to assets | 0.7397% | 1,258 |
| Net operating income to assets | -0.7359% | 6,835 |
| Return on assets (ROA) | -0.7359% | 6,848 |
| Pretax return on assets | -0.7359% | 6,793 |
| Return on Equity (ROE) | -10.0732% | 6,942 |
| Retained earnings to average equity (ytd only) | -10.0732% | 6,882 |
| Net charge-offs to loans | 1.1938% | 1,310 |
| Credit loss provision to net charge-offs | 93.7601% | 3,349 |
| Earnings coverage of net charge-offs (x) | 0.0049% | 5,280 |
| Efficiency ratio | 97.7043% | 801 |
| Assets per employee ($millions) | 10.1946% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 1,106 |
| Loan loss allowance to noncurrent loans | 115.1092% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 4.2028% | 1,510 |
| Noncurrent loans to loans | 2.4083% | 2,981 |
| Net loans and leases to total assets | 59.3298% | 4,408 |
| Net loans and leases to deposits | 65.6728% | 5,047 |
| Net loans and leases to core deposits | 79.6207% | 3,844 |
| Total domestic deposits to total assets | 90.3416% | 793 |
| Equity capital to assets | 6.8887% | 7,128 |
| Core capital (leverage) ratio | 6.9775% | 7,003 |
| Tier 1 risk-based capital ratio | 9.0905% | 7,166 |
| Total risk-based capital ratio | 10.3551% | 7,163 |
| Memoranda: | ||
| Average total assets | $312,818,330 | 2,056 |
| Average earning assets | $279,655,000 | 2,105 |
| Average equity | $22,852,670 | 2,775 |
| Average total loans | $206,731,000 | 2,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 6,346 |
| Cost of funding earning assets | 1.1493% | 3,165 |
| Net interest margin | 3.0219% | 6,527 |
| Noninterest income to average assets | 0.2325% | 6,052 |
| Noninterest expense to average assets | 2.8716% | 4,181 |
| Loan and lease loss provision to assets | 1.5375% | 410 |
| Net operating income to assets | -1.4617% | 7,188 |
| Return on assets (ROA) | -1.4617% | 7,193 |
| Pretax return on assets | -1.4617% | 7,147 |
| Return on Equity (ROE) | -19.3905% | 7,212 |
| Retained earnings to average equity (ytd only) | -19.3905% | 7,144 |
| Net charge-offs to loans | 1.0354% | 1,320 |
| Credit loss provision to net charge-offs | 215.4562% | 1,394 |
| Earnings coverage of net charge-offs (x) | 0.1061% | 4,517 |
| Efficiency ratio | 95.2660% | 967 |
| Assets per employee ($millions) | 7.3122% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1196% | 825 |
| Loan loss allowance to noncurrent loans | 79.4330% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 5.0604% | 1,240 |
| Noncurrent loans to loans | 3.9274% | 1,866 |
| Net loans and leases to total assets | 66.1704% | 2,965 |
| Net loans and leases to deposits | 73.9291% | 3,768 |
| Net loans and leases to core deposits | 89.0159% | 2,482 |
| Total domestic deposits to total assets | 89.5053% | 1,479 |
| Equity capital to assets | 7.4046% | 6,921 |
| Core capital (leverage) ratio | 7.3228% | 6,841 |
| Tier 1 risk-based capital ratio | 9.1171% | 7,209 |
| Total risk-based capital ratio | 10.3519% | 7,215 |
| Memoranda: | ||
| Average total assets | $301,017,000 | 2,157 |
| Average earning assets | $270,421,500 | 2,194 |
| Average equity | $22,691,500 | 2,782 |
| Average total loans | $207,452,000 | 2,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 6,515 |
| Cost of funding earning assets | 1.3739% | 3,431 |
| Net interest margin | 3.0790% | 6,573 |
| Noninterest income to average assets | 0.1770% | 6,475 |
| Noninterest expense to average assets | 3.1758% | 3,170 |
| Loan and lease loss provision to assets | 1.7138% | 821 |
| Net operating income to assets | -1.8933% | 7,027 |
| Return on assets (ROA) | -1.8933% | 7,041 |
| Pretax return on assets | -1.8933% | 6,987 |
| Return on Equity (ROE) | -23.2218% | 7,094 |
| Retained earnings to average equity (ytd only) | -23.2218% | 7,072 |
| Net charge-offs to loans | 2.9681% | 561 |
| Credit loss provision to net charge-offs | 80.6461% | 5,540 |
| Earnings coverage of net charge-offs (x) | -0.0845% | 6,207 |
| Efficiency ratio | 103.9264% | 676 |
| Assets per employee ($millions) | 7.3716% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7449% | 1,119 |
| Loan loss allowance to noncurrent loans | 72.3170% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 3.6965% | 1,857 |
| Noncurrent loans to loans | 3.7956% | 1,947 |
| Net loans and leases to total assets | 67.6195% | 3,071 |
| Net loans and leases to deposits | 75.4600% | 3,927 |
| Net loans and leases to core deposits | 89.5687% | 2,826 |
| Total domestic deposits to total assets | 89.6097% | 1,316 |
| Equity capital to assets | 7.6709% | 6,765 |
| Core capital (leverage) ratio | 7.2531% | 6,876 |
| Tier 1 risk-based capital ratio | 9.4454% | 7,148 |
| Total risk-based capital ratio | 10.7102% | 7,152 |
| Memoranda: | ||
| Average total assets | $310,250,600 | 2,090 |
| Average earning assets | $284,085,400 | 2,082 |
| Average equity | $25,295,200 | 2,520 |
| Average total loans | $222,125,800 | 1,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 6,561 |
| Cost of funding earning assets | 1.4272% | 3,412 |
| Net interest margin | 3.0919% | 6,631 |
| Noninterest income to average assets | 0.1729% | 6,642 |
| Noninterest expense to average assets | 2.8737% | 4,192 |
| Loan and lease loss provision to assets | 1.2186% | 1,170 |
| Net operating income to assets | -1.0850% | 6,941 |
| Return on assets (ROA) | -1.0850% | 6,976 |
| Pretax return on assets | -1.0850% | 6,895 |
| Return on Equity (ROE) | -13.1198% | 7,047 |
| Retained earnings to average equity (ytd only) | -13.1198% | 7,011 |
| Net charge-offs to loans | 2.9240% | 548 |
| Credit loss provision to net charge-offs | 57.8084% | 5,749 |
| Earnings coverage of net charge-offs (x) | 0.0634% | 5,967 |
| Efficiency ratio | 93.5113% | 1,025 |
| Assets per employee ($millions) | 7.6382% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 1,712 |
| Loan loss allowance to noncurrent loans | 43.9221% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 4.0451% | 1,725 |
| Noncurrent loans to loans | 5.1095% | 1,345 |
| Net loans and leases to total assets | 69.0032% | 2,986 |
| Net loans and leases to deposits | 77.3329% | 3,947 |
| Net loans and leases to core deposits | 90.9893% | 2,952 |
| Total domestic deposits to total assets | 89.2288% | 1,271 |
| Equity capital to assets | 8.4000% | 6,395 |
| Core capital (leverage) ratio | 7.8317% | 6,543 |
| Tier 1 risk-based capital ratio | 10.0985% | 7,016 |
| Total risk-based capital ratio | 11.3583% | 6,989 |
| Memoranda: | ||
| Average total assets | $312,254,750 | 2,110 |
| Average earning assets | $286,249,750 | 2,100 |
| Average equity | $25,823,000 | 2,510 |
| Average total loans | $225,123,000 | 1,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 6,411 |
| Cost of funding earning assets | 1.4644% | 3,463 |
| Net interest margin | 3.1524% | 6,458 |
| Noninterest income to average assets | 0.1596% | 6,752 |
| Noninterest expense to average assets | 2.7351% | 4,760 |
| Loan and lease loss provision to assets | 1.3739% | 979 |
| Net operating income to assets | -1.0566% | 6,970 |
| Return on assets (ROA) | -1.0566% | 6,986 |
| Pretax return on assets | -1.0566% | 6,915 |
| Return on Equity (ROE) | -12.8439% | 7,068 |
| Retained earnings to average equity (ytd only) | -12.8439% | 7,027 |
| Net charge-offs to loans | 3.6489% | 392 |
| Credit loss provision to net charge-offs | 51.8635% | 5,378 |
| Earnings coverage of net charge-offs (x) | 0.1198% | 5,602 |
| Efficiency ratio | 87.5866% | 1,548 |
| Assets per employee ($millions) | 7.4756% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,611 |
| Loan loss allowance to noncurrent loans | 163.5922% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 4,292 |
| Noncurrent loans to loans | 1.3971% | 4,608 |
| Net loans and leases to total assets | 67.2312% | 3,566 |
| Net loans and leases to deposits | 74.8594% | 4,534 |
| Net loans and leases to core deposits | 89.0455% | 3,403 |
| Total domestic deposits to total assets | 89.8100% | 1,017 |
| Equity capital to assets | 7.8649% | 6,874 |
| Core capital (leverage) ratio | 7.6028% | 6,729 |
| Tier 1 risk-based capital ratio | 9.3393% | 7,323 |
| Total risk-based capital ratio | 10.5988% | 7,318 |
| Memoranda: | ||
| Average total assets | $311,950,330 | 2,139 |
| Average earning assets | $286,260,330 | 2,110 |
| Average equity | $25,662,000 | 2,523 |
| Average total loans | $226,478,330 | 1,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 6,269 |
| Cost of funding earning assets | 1.5181% | 3,433 |
| Net interest margin | 3.1742% | 6,372 |
| Noninterest income to average assets | 0.1719% | 6,742 |
| Noninterest expense to average assets | 2.6862% | 4,972 |
| Loan and lease loss provision to assets | 0.2005% | 4,496 |
| Net operating income to assets | 0.1901% | 5,720 |
| Return on assets (ROA) | 0.1901% | 5,845 |
| Pretax return on assets | 0.1901% | 5,900 |
| Return on Equity (ROE) | 2.2590% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.2590% | 4,777 |
| Net charge-offs to loans | 0.0978% | 4,440 |
| Credit loss provision to net charge-offs | 275.0000% | 1,439 |
| Earnings coverage of net charge-offs (x) | 5.3571% | 2,417 |
| Efficiency ratio | 85.2730% | 1,877 |
| Assets per employee ($millions) | 7.6657% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1009% | 756 |
| Loan loss allowance to noncurrent loans | 202.3803% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7057% | 3,920 |
| Noncurrent loans to loans | 1.5322% | 4,450 |
| Net loans and leases to total assets | 71.0084% | 2,695 |
| Net loans and leases to deposits | 80.8974% | 3,475 |
| Net loans and leases to core deposits | 97.1234% | 2,443 |
| Total domestic deposits to total assets | 87.7758% | 2,195 |
| Equity capital to assets | 8.4863% | 6,017 |
| Core capital (leverage) ratio | 8.1186% | 6,038 |
| Tier 1 risk-based capital ratio | 9.5130% | 7,302 |
| Total risk-based capital ratio | 10.7810% | 7,285 |
| Memoranda: | ||
| Average total assets | $307,199,500 | 2,209 |
| Average earning assets | $281,145,500 | 2,200 |
| Average equity | $25,852,000 | 2,522 |
| Average total loans | $229,132,000 | 2,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 7,308 |
| Cost of funding earning assets | 1.7064% | 4,473 |
| Net interest margin | 2.8713% | 6,911 |
| Noninterest income to average assets | 0.2156% | 6,570 |
| Noninterest expense to average assets | 3.5882% | 2,178 |
| Loan and lease loss provision to assets | 2.6458% | 729 |
| Net operating income to assets | -3.4101% | 7,487 |
| Return on assets (ROA) | -3.3512% | 7,472 |
| Pretax return on assets | -3.3512% | 7,384 |
| Return on Equity (ROE) | -40.7247% | 7,584 |
| Retained earnings to average equity (ytd only) | -40.7247% | 7,562 |
| Net charge-offs to loans | 2.0078% | 1,223 |
| Credit loss provision to net charge-offs | 182.5742% | 2,254 |
| Earnings coverage of net charge-offs (x) | -0.5274% | 6,707 |
| Efficiency ratio | 124.7662% | 534 |
| Assets per employee ($millions) | 7.3196% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0902% | 722 |
| Loan loss allowance to noncurrent loans | 244.7533% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,687 |
| Noncurrent loans to loans | 1.2626% | 4,827 |
| Net loans and leases to total assets | 73.6086% | 2,359 |
| Net loans and leases to deposits | 84.4915% | 3,182 |
| Net loans and leases to core deposits | 102.8570% | 3,704 |
| Total domestic deposits to total assets | 87.1195% | 2,427 |
| Equity capital to assets | 8.3411% | 6,142 |
| Core capital (leverage) ratio | 7.4019% | 6,881 |
| Tier 1 risk-based capital ratio | 8.9961% | 7,467 |
| Total risk-based capital ratio | 10.2644% | 7,480 |
| Memoranda: | ||
| Average total assets | $295,414,200 | 2,242 |
| Average earning assets | $268,348,800 | 2,252 |
| Average equity | $24,309,600 | 2,684 |
| Average total loans | $213,223,400 | 2,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 7,583 |
| Cost of funding earning assets | 1.7242% | 4,775 |
| Net interest margin | 2.7050% | 7,201 |
| Noninterest income to average assets | 0.1921% | 6,843 |
| Noninterest expense to average assets | 3.6767% | 1,875 |
| Loan and lease loss provision to assets | 2.4288% | 692 |
| Net operating income to assets | -3.4615% | 7,683 |
| Return on assets (ROA) | -3.3826% | 7,676 |
| Pretax return on assets | -3.3826% | 7,592 |
| Return on Equity (ROE) | -41.2495% | 7,762 |
| Retained earnings to average equity (ytd only) | -41.2495% | 7,759 |
| Net charge-offs to loans | 2.5674% | 713 |
| Credit loss provision to net charge-offs | 132.8377% | 3,766 |
| Earnings coverage of net charge-offs (x) | -0.5648% | 6,497 |
| Efficiency ratio | 136.5895% | 408 |
| Assets per employee ($millions) | 7.1114% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,510 |
| Loan loss allowance to noncurrent loans | 215.3229% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,795 |
| Noncurrent loans to loans | 0.9965% | 5,312 |
| Net loans and leases to total assets | 65.9573% | 4,439 |
| Net loans and leases to deposits | 75.2132% | 5,176 |
| Net loans and leases to core deposits | 90.2198% | 5,409 |
| Total domestic deposits to total assets | 87.6937% | 1,805 |
| Equity capital to assets | 8.2271% | 6,607 |
| Core capital (leverage) ratio | 8.1074% | 6,173 |
| Tier 1 risk-based capital ratio | 9.6277% | 7,292 |
| Total risk-based capital ratio | 10.8846% | 7,244 |
| Memoranda: | ||
| Average total assets | $294,241,500 | 2,269 |
| Average earning assets | $266,705,000 | 2,278 |
| Average equity | $24,129,000 | 2,731 |
| Average total loans | $209,542,500 | 2,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 7,623 |
| Cost of funding earning assets | 1.7814% | 4,854 |
| Net interest margin | 2.7249% | 7,151 |
| Noninterest income to average assets | 0.1929% | 6,910 |
| Noninterest expense to average assets | 3.6118% | 2,038 |
| Loan and lease loss provision to assets | 0.4970% | 3,053 |
| Net operating income to assets | -1.4546% | 7,222 |
| Return on assets (ROA) | -1.3442% | 7,183 |
| Pretax return on assets | -1.3442% | 7,008 |
| Return on Equity (ROE) | -16.4131% | 7,398 |
| Retained earnings to average equity (ytd only) | -16.4131% | 7,322 |
| Net charge-offs to loans | 1.5644% | 1,208 |
| Credit loss provision to net charge-offs | 43.6796% | 5,849 |
| Earnings coverage of net charge-offs (x) | -0.8417% | 6,193 |
| Efficiency ratio | 133.5032% | 491 |
| Assets per employee ($millions) | 6.4610% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,909 |
| Loan loss allowance to noncurrent loans | 70.8967% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 3,865 |
| Noncurrent loans to loans | 1.6977% | 3,962 |
| Net loans and leases to total assets | 72.0579% | 3,208 |
| Net loans and leases to deposits | 80.9303% | 4,402 |
| Net loans and leases to core deposits | 97.8981% | 4,709 |
| Total domestic deposits to total assets | 89.0369% | 1,249 |
| Equity capital to assets | 8.1647% | 6,541 |
| Core capital (leverage) ratio | 7.7584% | 6,667 |
| Tier 1 risk-based capital ratio | 8.7002% | 7,814 |
| Total risk-based capital ratio | 9.7135% | 7,882 |
| Memoranda: | ||
| Average total assets | $280,910,000 | 2,372 |
| Average earning assets | $253,731,670 | 2,409 |
| Average equity | $23,006,000 | 2,863 |
| Average total loans | $204,294,330 | 2,306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 7,720 |
| Cost of funding earning assets | 1.9234% | 4,519 |
| Net interest margin | 2.5711% | 7,406 |
| Noninterest income to average assets | 0.2229% | 6,687 |
| Noninterest expense to average assets | 3.3113% | 2,629 |
| Loan and lease loss provision to assets | 0.4326% | 2,762 |
| Net operating income to assets | -1.2157% | 7,367 |
| Return on assets (ROA) | -0.9884% | 7,267 |
| Pretax return on assets | -0.9884% | 7,152 |
| Return on Equity (ROE) | -12.0486% | 7,479 |
| Retained earnings to average equity (ytd only) | -12.0486% | 7,270 |
| Net charge-offs to loans | 0.5554% | 2,076 |
| Credit loss provision to net charge-offs | 107.2727% | 3,566 |
| Earnings coverage of net charge-offs (x) | -1.9418% | 5,467 |
| Efficiency ratio | 130.9745% | 496 |
| Assets per employee ($millions) | 5.9194% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 2,037 |
| Loan loss allowance to noncurrent loans | 65.7782% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1510% | 2,671 |
| Noncurrent loans to loans | 2.6312% | 2,500 |
| Net loans and leases to total assets | 69.0799% | 3,894 |
| Net loans and leases to deposits | 77.4907% | 5,005 |
| Net loans and leases to core deposits | 91.7507% | 5,372 |
| Total domestic deposits to total assets | 89.1460% | 1,174 |
| Equity capital to assets | 8.2513% | 6,461 |
| Core capital (leverage) ratio | 7.9414% | 6,556 |
| Tier 1 risk-based capital ratio | 9.3067% | 7,582 |
| Total risk-based capital ratio | 10.5594% | 7,557 |
| Memoranda: | ||
| Average total assets | $272,761,500 | 2,438 |
| Average earning assets | $244,561,000 | 2,498 |
| Average equity | $22,376,000 | 2,932 |
| Average total loans | $198,056,500 | 2,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 8,075 |
| Cost of funding earning assets | 1.7279% | 7,197 |
| Net interest margin | 2.4887% | 7,768 |
| Noninterest income to average assets | 0.1876% | 7,104 |
| Noninterest expense to average assets | 3.2600% | 3,117 |
| Loan and lease loss provision to assets | 0.9191% | 1,620 |
| Net operating income to assets | -1.6067% | 7,504 |
| Return on assets (ROA) | -1.6067% | 7,452 |
| Pretax return on assets | -1.7224% | 7,351 |
| Return on Equity (ROE) | -17.2612% | 7,674 |
| Retained earnings to average equity (ytd only) | -17.2612% | 7,579 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7017% | 444 |
| Assets per employee ($millions) | 3.5982% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 1,572 |
| Loan loss allowance to noncurrent loans | 59.0443% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.6050% | 1,847 |
| Noncurrent loans to loans | 3.0918% | 1,724 |
| Net loans and leases to total assets | 73.8664% | 3,137 |
| Net loans and leases to deposits | 86.4515% | 4,047 |
| Net loans and leases to core deposits | 110.3020% | 3,749 |
| Total domestic deposits to total assets | 85.4426% | 2,647 |
| Equity capital to assets | 8.1492% | 6,632 |
| Core capital (leverage) ratio | 7.6315% | 7,032 |
| Tier 1 risk-based capital ratio | 8.3974% | 8,013 |
| Total risk-based capital ratio | 9.6550% | 8,058 |
| Memoranda: | ||
| Average total assets | $216,961,400 | 2,915 |
| Average earning assets | $197,813,200 | 2,915 |
| Average equity | $20,195,600 | 3,198 |
| Average total loans | $148,321,200 | 2,959 |