Home > Texas Community Bank > Performance and Condition Ratios
Texas Community Bank, Performance and Condition Ratios
| 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 | 3.7037% | 5,159 |
| Cost of funding earning assets | 0.9430% | 668 |
| Net interest margin | 2.7607% | 6,074 |
| Noninterest income to average assets | 0.1659% | 6,195 |
| Noninterest expense to average assets | 4.9664% | 344 |
| Loan and lease loss provision to assets | 1.0217% | 162 |
| Net operating income to assets | -3.4153% | 6,861 |
| Return on assets (ROA) | -3.5686% | 6,863 |
| Pretax return on assets | -3.5686% | 6,859 |
| Return on Equity (ROE) | -112.3962% | 6,886 |
| Retained earnings to average equity (ytd only) | -112.3962% | 6,886 |
| Net charge-offs to loans | 4.2636% | 37 |
| Credit loss provision to net charge-offs | 41.0733% | 3,691 |
| Earnings coverage of net charge-offs (x) | -0.9623% | 5,008 |
| Efficiency ratio | 193.0388% | 33 |
| Assets per employee ($millions) | 6.1253% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8951% | 620 |
| Loan loss allowance to noncurrent loans | 8.8585% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 28.9438% | 5 |
| Noncurrent loans to loans | 32.6814% | 4 |
| Net loans and leases to total assets | 53.5587% | 4,682 |
| Net loans and leases to deposits | 59.7981% | 4,996 |
| Net loans and leases to core deposits | 61.4657% | 5,170 |
| Total domestic deposits to total assets | 89.5659% | 1,248 |
| Equity capital to assets | 2.0928% | 6,875 |
| Core capital (leverage) ratio | 1.8647% | 6,887 |
| Tier 1 risk-based capital ratio | 3.1995% | 6,878 |
| Total risk-based capital ratio | 6.0364% | 6,849 |
| Memoranda: | ||
| Average total assets | $201,752,000 | 3,040 |
| Average earning assets | $175,893,750 | 3,160 |
| Average equity | $6,405,750 | 5,787 |
| Average total loans | $117,705,750 | 3,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 4,738 |
| Cost of funding earning assets | 0.9137% | 838 |
| Net interest margin | 2.9145% | 5,770 |
| Noninterest income to average assets | 0.2029% | 5,994 |
| Noninterest expense to average assets | 4.9612% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.2055% | 6,861 |
| Return on assets (ROA) | -2.2110% | 6,867 |
| Pretax return on assets | -2.2110% | 6,861 |
| Return on Equity (ROE) | -64.2530% | 6,920 |
| Retained earnings to average equity (ytd only) | -64.2530% | 6,917 |
| Net charge-offs to loans | 0.4011% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -9.3008% | 4,859 |
| Efficiency ratio | 180.0336% | 41 |
| Assets per employee ($millions) | 5.5302% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8814% | 280 |
| Loan loss allowance to noncurrent loans | 14.3075% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 25.0057% | 7 |
| Noncurrent loans to loans | 27.1288% | 7 |
| Net loans and leases to total assets | 56.0358% | 4,284 |
| Net loans and leases to deposits | 62.5231% | 4,678 |
| Net loans and leases to core deposits | 64.1854% | 4,871 |
| Total domestic deposits to total assets | 89.6241% | 1,248 |
| Equity capital to assets | 3.1398% | 6,896 |
| Core capital (leverage) ratio | 2.9070% | 6,905 |
| Tier 1 risk-based capital ratio | 4.8886% | 6,897 |
| Total risk-based capital ratio | 8.5333% | 6,830 |
| Memoranda: | ||
| Average total assets | $215,917,000 | 2,890 |
| Average earning assets | $189,120,330 | 3,005 |
| Average equity | $7,430,000 | 5,578 |
| Average total loans | $127,661,330 | 2,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 4,106 |
| Cost of funding earning assets | 0.8751% | 1,116 |
| Net interest margin | 3.1281% | 5,168 |
| Noninterest income to average assets | -0.1872% | 6,946 |
| Noninterest expense to average assets | 5.3349% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.7816% | 6,955 |
| Return on assets (ROA) | -2.7816% | 6,956 |
| Pretax return on assets | -2.7816% | 6,953 |
| Return on Equity (ROE) | -77.8103% | 6,994 |
| Retained earnings to average equity (ytd only) | -77.8103% | 6,992 |
| Net charge-offs to loans | 0.9861% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -4.7416% | 4,067 |
| Efficiency ratio | 208.9385% | 32 |
| Assets per employee ($millions) | 5.5579% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4612% | 433 |
| Loan loss allowance to noncurrent loans | 18.2102% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 19.6167% | 26 |
| Noncurrent loans to loans | 19.0068% | 32 |
| Net loans and leases to total assets | 54.2484% | 4,364 |
| Net loans and leases to deposits | 60.0199% | 4,793 |
| Net loans and leases to core deposits | 61.3006% | 5,016 |
| Total domestic deposits to total assets | 90.3841% | 827 |
| Equity capital to assets | 3.1676% | 6,974 |
| Core capital (leverage) ratio | 3.2479% | 6,960 |
| Tier 1 risk-based capital ratio | 4.9796% | 6,956 |
| Total risk-based capital ratio | 8.7392% | 6,881 |
| Memoranda: | ||
| Average total assets | $224,332,000 | 2,827 |
| Average earning assets | $196,542,500 | 2,939 |
| Average equity | $8,019,500 | 5,481 |
| Average total loans | $133,459,500 | 2,828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 4,550 |
| Cost of funding earning assets | 1.0555% | 1,096 |
| Net interest margin | 3.1548% | 5,677 |
| Noninterest income to average assets | -1.2506% | 7,064 |
| Noninterest expense to average assets | 4.7534% | 453 |
| Loan and lease loss provision to assets | 1.9828% | 108 |
| Net operating income to assets | -5.3318% | 7,064 |
| Return on assets (ROA) | -5.3099% | 7,065 |
| Pretax return on assets | -5.2186% | 7,065 |
| Return on Equity (ROE) | -91.3277% | 7,064 |
| Retained earnings to average equity (ytd only) | -91.3277% | 7,064 |
| Net charge-offs to loans | 3.7480% | 87 |
| Credit loss provision to net charge-offs | 75.7179% | 3,982 |
| Earnings coverage of net charge-offs (x) | -1.2441% | 5,780 |
| Efficiency ratio | 317.8177% | 14 |
| Assets per employee ($millions) | 5.2570% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4284% | 454 |
| Loan loss allowance to noncurrent loans | 17.0541% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 20.8871% | 20 |
| Noncurrent loans to loans | 20.1030% | 28 |
| Net loans and leases to total assets | 60.7400% | 3,468 |
| Net loans and leases to deposits | 68.0843% | 3,967 |
| Net loans and leases to core deposits | 69.7543% | 4,349 |
| Total domestic deposits to total assets | 89.2129% | 1,428 |
| Equity capital to assets | 3.9952% | 7,000 |
| Core capital (leverage) ratio | 3.8430% | 7,002 |
| Tier 1 risk-based capital ratio | 5.7733% | 6,997 |
| Total risk-based capital ratio | 9.9373% | 6,881 |
| Memoranda: | ||
| Average total assets | $242,036,600 | 2,613 |
| Average earning assets | $210,698,000 | 2,723 |
| Average equity | $14,072,400 | 4,142 |
| Average total loans | $169,104,000 | 2,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 4,184 |
| Cost of funding earning assets | 1.0931% | 1,089 |
| Net interest margin | 3.2732% | 5,476 |
| Noninterest income to average assets | -1.3923% | 7,163 |
| Noninterest expense to average assets | 4.8012% | 425 |
| Loan and lease loss provision to assets | 2.2052% | 87 |
| Net operating income to assets | -5.6755% | 7,164 |
| Return on assets (ROA) | -5.6470% | 7,165 |
| Pretax return on assets | -5.5278% | 7,164 |
| Return on Equity (ROE) | -90.7860% | 7,157 |
| Retained earnings to average equity (ytd only) | -90.7860% | 7,155 |
| Net charge-offs to loans | 3.1313% | 166 |
| Credit loss provision to net charge-offs | 98.6021% | 3,042 |
| Earnings coverage of net charge-offs (x) | -1.4984% | 5,617 |
| Efficiency ratio | 331.1152% | 16 |
| Assets per employee ($millions) | 5.6154% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9701% | 319 |
| Loan loss allowance to noncurrent loans | 17.5165% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 25.4226% | 13 |
| Noncurrent loans to loans | 22.6647% | 25 |
| Net loans and leases to total assets | 64.0187% | 3,025 |
| Net loans and leases to deposits | 72.4500% | 3,543 |
| Net loans and leases to core deposits | 74.1427% | 3,961 |
| Total domestic deposits to total assets | 88.3627% | 1,803 |
| Equity capital to assets | 4.7701% | 7,062 |
| Core capital (leverage) ratio | 4.7331% | 7,044 |
| Tier 1 risk-based capital ratio | 6.3428% | 7,077 |
| Total risk-based capital ratio | 10.8181% | 6,878 |
| Memoranda: | ||
| Average total assets | $247,347,750 | 2,580 |
| Average earning assets | $214,788,500 | 2,703 |
| Average equity | $15,385,250 | 3,912 |
| Average total loans | $176,662,500 | 2,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 4,250 |
| Cost of funding earning assets | 1.1606% | 976 |
| Net interest margin | 3.2222% | 5,667 |
| Noninterest income to average assets | -1.2373% | 7,227 |
| Noninterest expense to average assets | 4.7201% | 452 |
| Loan and lease loss provision to assets | 3.2574% | 46 |
| Net operating income to assets | -6.5833% | 7,228 |
| Return on assets (ROA) | -6.5594% | 7,227 |
| Pretax return on assets | -6.3834% | 7,225 |
| Return on Equity (ROE) | -98.2840% | 7,207 |
| Retained earnings to average equity (ytd only) | -98.2840% | 7,203 |
| Net charge-offs to loans | 4.4261% | 93 |
| Credit loss provision to net charge-offs | 100.9376% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.9761% | 5,305 |
| Efficiency ratio | 300.6085% | 20 |
| Assets per employee ($millions) | 5.5056% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7361% | 412 |
| Loan loss allowance to noncurrent loans | 17.4150% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 24.0668% | 13 |
| Noncurrent loans to loans | 21.4533% | 38 |
| Net loans and leases to total assets | 67.4126% | 2,389 |
| Net loans and leases to deposits | 76.8972% | 2,852 |
| Net loans and leases to core deposits | 78.1929% | 3,483 |
| Total domestic deposits to total assets | 87.6659% | 2,358 |
| Equity capital to assets | 5.5472% | 7,061 |
| Core capital (leverage) ratio | 5.2644% | 7,047 |
| Tier 1 risk-based capital ratio | 7.2651% | 7,077 |
| Total risk-based capital ratio | 12.1876% | 6,506 |
| Memoranda: | ||
| Average total assets | $251,182,000 | 2,537 |
| Average earning assets | $218,854,330 | 2,658 |
| Average equity | $16,763,670 | 3,692 |
| Average total loans | $183,141,000 | 2,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 4,659 |
| Cost of funding earning assets | 1.1753% | 1,086 |
| Net interest margin | 3.1449% | 5,918 |
| Noninterest income to average assets | 0.1033% | 6,727 |
| Noninterest expense to average assets | 5.3495% | 292 |
| Loan and lease loss provision to assets | 5.9018% | 13 |
| Net operating income to assets | -8.7401% | 7,295 |
| Return on assets (ROA) | -8.6932% | 7,296 |
| Pretax return on assets | -8.3630% | 7,295 |
| Return on Equity (ROE) | -120.6089% | 7,274 |
| Retained earnings to average equity (ytd only) | -120.6089% | 7,270 |
| Net charge-offs to loans | 5.4158% | 79 |
| Credit loss provision to net charge-offs | 146.7133% | 1,697 |
| Earnings coverage of net charge-offs (x) | -0.6235% | 4,521 |
| Efficiency ratio | 188.2709% | 49 |
| Assets per employee ($millions) | 5.9217% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0467% | 354 |
| Loan loss allowance to noncurrent loans | 25.0912% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 20.5640% | 43 |
| Noncurrent loans to loans | 16.1278% | 97 |
| Net loans and leases to total assets | 68.2633% | 2,060 |
| Net loans and leases to deposits | 78.8462% | 2,361 |
| Net loans and leases to core deposits | 78.8462% | 3,207 |
| Total domestic deposits to total assets | 86.5778% | 3,189 |
| Equity capital to assets | 6.0318% | 7,073 |
| Core capital (leverage) ratio | 6.2488% | 7,006 |
| Tier 1 risk-based capital ratio | 7.1547% | 7,121 |
| Total risk-based capital ratio | 12.4449% | 6,434 |
| Memoranda: | ||
| Average total assets | $255,649,500 | 2,513 |
| Average earning assets | $222,581,500 | 2,632 |
| Average equity | $18,426,500 | 3,437 |
| Average total loans | $189,890,000 | 2,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 1,987 |
| Cost of funding earning assets | 1.3127% | 1,423 |
| Net interest margin | 3.9065% | 3,312 |
| Noninterest income to average assets | 0.0839% | 6,703 |
| Noninterest expense to average assets | 4.9690% | 387 |
| Loan and lease loss provision to assets | 1.6630% | 413 |
| Net operating income to assets | -3.0460% | 7,178 |
| Return on assets (ROA) | -3.0674% | 7,185 |
| Pretax return on assets | -3.0423% | 7,187 |
| Return on Equity (ROE) | -38.0336% | 7,150 |
| Retained earnings to average equity (ytd only) | -38.0336% | 7,145 |
| Net charge-offs to loans | 2.5658% | 443 |
| Credit loss provision to net charge-offs | 80.7913% | 4,412 |
| Earnings coverage of net charge-offs (x) | -0.6597% | 6,137 |
| Efficiency ratio | 137.6006% | 190 |
| Assets per employee ($millions) | 5.6988% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2405% | 656 |
| Loan loss allowance to noncurrent loans | 19.5914% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 21.3200% | 39 |
| Noncurrent loans to loans | 16.5402% | 99 |
| Net loans and leases to total assets | 75.0229% | 1,086 |
| Net loans and leases to deposits | 89.3213% | 1,219 |
| Net loans and leases to core deposits | 92.0914% | 1,874 |
| Total domestic deposits to total assets | 83.9922% | 4,318 |
| Equity capital to assets | 8.4296% | 6,225 |
| Core capital (leverage) ratio | 7.6030% | 6,601 |
| Tier 1 risk-based capital ratio | 9.6033% | 6,938 |
| Total risk-based capital ratio | 14.5190% | 4,841 |
| Memoranda: | ||
| Average total assets | $330,307,400 | 1,955 |
| Average earning assets | $298,248,000 | 1,964 |
| Average equity | $26,639,600 | 2,424 |
| Average total loans | $264,990,000 | 1,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 1,895 |
| Cost of funding earning assets | 1.3035% | 1,677 |
| Net interest margin | 3.9883% | 2,959 |
| Noninterest income to average assets | -0.3902% | 7,322 |
| Noninterest expense to average assets | 4.6791% | 487 |
| Loan and lease loss provision to assets | 0.7436% | 1,286 |
| Net operating income to assets | -2.1877% | 7,168 |
| Return on assets (ROA) | -2.1557% | 7,172 |
| Pretax return on assets | -2.1557% | 7,151 |
| Return on Equity (ROE) | -26.9465% | 7,178 |
| Retained earnings to average equity (ytd only) | -26.9465% | 7,169 |
| Net charge-offs to loans | 1.3162% | 1,166 |
| Credit loss provision to net charge-offs | 70.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | -1.3595% | 5,973 |
| Efficiency ratio | 144.6393% | 162 |
| Assets per employee ($millions) | 5.5942% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6728% | 1,160 |
| Loan loss allowance to noncurrent loans | 24.8067% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 12.1857% | 222 |
| Noncurrent loans to loans | 10.7745% | 308 |
| Net loans and leases to total assets | 74.6797% | 1,201 |
| Net loans and leases to deposits | 84.1997% | 1,973 |
| Net loans and leases to core deposits | 89.3337% | 2,324 |
| Total domestic deposits to total assets | 88.6935% | 1,626 |
| Equity capital to assets | 7.7716% | 6,814 |
| Core capital (leverage) ratio | 7.6208% | 6,685 |
| Tier 1 risk-based capital ratio | 9.9813% | 6,964 |
| Total risk-based capital ratio | 15.1217% | 4,398 |
| Memoranda: | ||
| Average total assets | $350,197,750 | 1,857 |
| Average earning assets | $318,321,750 | 1,861 |
| Average equity | $28,015,250 | 2,333 |
| Average total loans | $282,633,250 | 1,521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 1,562 |
| Cost of funding earning assets | 1.3132% | 1,862 |
| Net interest margin | 4.0864% | 2,460 |
| Noninterest income to average assets | -0.6657% | 7,441 |
| Noninterest expense to average assets | 4.5305% | 577 |
| Loan and lease loss provision to assets | 1.0944% | 752 |
| Net operating income to assets | -2.5922% | 7,272 |
| Return on assets (ROA) | -2.5922% | 7,277 |
| Pretax return on assets | -2.5922% | 7,260 |
| Return on Equity (ROE) | -32.1213% | 7,265 |
| Retained earnings to average equity (ytd only) | -32.1213% | 7,257 |
| Net charge-offs to loans | 1.3138% | 1,164 |
| Credit loss provision to net charge-offs | 101.6658% | 3,052 |
| Earnings coverage of net charge-offs (x) | -1.3915% | 5,674 |
| Efficiency ratio | 149.3902% | 157 |
| Assets per employee ($millions) | 5.6292% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8217% | 1,060 |
| Loan loss allowance to noncurrent loans | 37.8362% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 10.9924% | 311 |
| Noncurrent loans to loans | 7.4576% | 640 |
| Net loans and leases to total assets | 76.6066% | 980 |
| Net loans and leases to deposits | 86.1328% | 1,777 |
| Net loans and leases to core deposits | 90.7740% | 2,285 |
| Total domestic deposits to total assets | 88.9400% | 1,572 |
| Equity capital to assets | 7.7651% | 6,828 |
| Core capital (leverage) ratio | 7.5953% | 6,673 |
| Tier 1 risk-based capital ratio | 9.6959% | 7,060 |
| Total risk-based capital ratio | 14.5958% | 4,632 |
| Memoranda: | ||
| Average total assets | $356,910,670 | 1,839 |
| Average earning assets | $323,023,330 | 1,843 |
| Average equity | $28,803,330 | 2,257 |
| Average total loans | $292,425,670 | 1,484 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 1,303 |
| Cost of funding earning assets | 1.3479% | 1,897 |
| Net interest margin | 4.1508% | 2,079 |
| Noninterest income to average assets | -0.8414% | 7,529 |
| Noninterest expense to average assets | 4.1444% | 875 |
| Loan and lease loss provision to assets | 1.9226% | 288 |
| Net operating income to assets | -3.1589% | 7,405 |
| Return on assets (ROA) | -3.1589% | 7,408 |
| Pretax return on assets | -3.1589% | 7,391 |
| Return on Equity (ROE) | -38.4561% | 7,371 |
| Retained earnings to average equity (ytd only) | -38.4561% | 7,351 |
| Net charge-offs to loans | 2.1075% | 592 |
| Credit loss provision to net charge-offs | 109.3867% | 2,440 |
| Earnings coverage of net charge-offs (x) | -0.7034% | 4,850 |
| Efficiency ratio | 142.5113% | 203 |
| Assets per employee ($millions) | 5.1669% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 1,231 |
| Loan loss allowance to noncurrent loans | 36.9557% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 11.2570% | 320 |
| Noncurrent loans to loans | 7.2434% | 738 |
| Net loans and leases to total assets | 79.1055% | 609 |
| Net loans and leases to deposits | 88.9273% | 1,357 |
| Net loans and leases to core deposits | 93.7813% | 1,910 |
| Total domestic deposits to total assets | 88.9553% | 1,801 |
| Equity capital to assets | 7.9904% | 6,508 |
| Core capital (leverage) ratio | 7.7324% | 6,528 |
| Tier 1 risk-based capital ratio | 9.5699% | 7,133 |
| Total risk-based capital ratio | 14.1961% | 4,853 |
| Memoranda: | ||
| Average total assets | $363,674,500 | 1,809 |
| Average earning assets | $328,512,500 | 1,827 |
| Average equity | $29,873,000 | 2,185 |
| Average total loans | $303,292,500 | 1,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 2,921 |
| Cost of funding earning assets | 1.8085% | 1,134 |
| Net interest margin | 3.5344% | 5,098 |
| Noninterest income to average assets | 0.0680% | 7,031 |
| Noninterest expense to average assets | 3.3464% | 2,592 |
| Loan and lease loss provision to assets | 1.2089% | 1,291 |
| Net operating income to assets | -1.0873% | 6,731 |
| Return on assets (ROA) | -1.0439% | 6,741 |
| Pretax return on assets | -1.1307% | 6,712 |
| Return on Equity (ROE) | -13.2712% | 6,853 |
| Retained earnings to average equity (ytd only) | -14.4856% | 6,863 |
| Net charge-offs to loans | 1.3284% | 1,679 |
| Credit loss provision to net charge-offs | 110.4668% | 3,982 |
| Earnings coverage of net charge-offs (x) | 0.0283% | 6,094 |
| Efficiency ratio | 99.0843% | 816 |
| Assets per employee ($millions) | 5.2230% | 1,832 |
| Cash dividends to net income (ytd only)* | -9.1508% | 7,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 1,547 |
| Loan loss allowance to noncurrent loans | 33.1503% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 11.0400% | 348 |
| Noncurrent loans to loans | 7.2423% | 759 |
| Net loans and leases to total assets | 83.3794% | 350 |
| Net loans and leases to deposits | 94.1598% | 1,050 |
| Net loans and leases to core deposits | 99.1833% | 1,683 |
| Total domestic deposits to total assets | 88.5509% | 1,921 |
| Equity capital to assets | 8.4294% | 5,951 |
| Core capital (leverage) ratio | 7.9971% | 6,209 |
| Tier 1 risk-based capital ratio | 10.1042% | 6,938 |
| Total risk-based capital ratio | 14.5843% | 4,311 |
| Memoranda: | ||
| Average total assets | $436,525,800 | 1,528 |
| Average earning assets | $408,729,200 | 1,487 |
| Average equity | $34,337,600 | 1,925 |
| Average total loans | $359,600,400 | 1,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 3,993 |
| Cost of funding earning assets | 1.8467% | 1,232 |
| Net interest margin | 3.3222% | 5,947 |
| Noninterest income to average assets | 0.2322% | 6,229 |
| Noninterest expense to average assets | 3.1317% | 3,185 |
| Loan and lease loss provision to assets | 0.9128% | 1,660 |
| Net operating income to assets | -0.5548% | 6,634 |
| Return on assets (ROA) | -0.5051% | 6,641 |
| Pretax return on assets | -0.6167% | 6,623 |
| Return on Equity (ROE) | -6.5170% | 6,761 |
| Retained earnings to average equity (ytd only) | -8.1007% | 6,778 |
| Net charge-offs to loans | 1.0906% | 1,867 |
| Credit loss provision to net charge-offs | 102.3770% | 4,204 |
| Earnings coverage of net charge-offs (x) | 0.2641% | 5,758 |
| Efficiency ratio | 93.0064% | 1,060 |
| Assets per employee ($millions) | 5.5674% | 1,566 |
| Cash dividends to net income (ytd only)* | -24.3009% | 7,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 1,963 |
| Loan loss allowance to noncurrent loans | 32.1020% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 7.2027% | 740 |
| Noncurrent loans to loans | 6.5938% | 899 |
| Net loans and leases to total assets | 81.6718% | 542 |
| Net loans and leases to deposits | 92.1674% | 1,423 |
| Net loans and leases to core deposits | 105.0279% | 1,398 |
| Total domestic deposits to total assets | 88.6125% | 1,614 |
| Equity capital to assets | 8.3995% | 6,396 |
| Core capital (leverage) ratio | 8.4944% | 5,515 |
| Tier 1 risk-based capital ratio | 10.7782% | 6,562 |
| Total risk-based capital ratio | 15.1245% | 3,906 |
| Memoranda: | ||
| Average total assets | $452,948,750 | 1,486 |
| Average earning assets | $427,411,250 | 1,437 |
| Average equity | $35,107,250 | 1,906 |
| Average total loans | $370,299,250 | 1,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 3,203 |
| Cost of funding earning assets | 1.9534% | 1,032 |
| Net interest margin | 3.3995% | 5,648 |
| Noninterest income to average assets | 0.1259% | 6,967 |
| Noninterest expense to average assets | 2.9578% | 3,862 |
| Loan and lease loss provision to assets | 1.1536% | 1,237 |
| Net operating income to assets | -0.6014% | 6,741 |
| Return on assets (ROA) | -0.5887% | 6,763 |
| Pretax return on assets | -0.7505% | 6,756 |
| Return on Equity (ROE) | -7.7842% | 6,878 |
| Retained earnings to average equity (ytd only) | -10.1381% | 6,924 |
| Net charge-offs to loans | 0.9745% | 1,902 |
| Credit loss provision to net charge-offs | 145.6604% | 2,719 |
| Earnings coverage of net charge-offs (x) | 0.4884% | 5,234 |
| Efficiency ratio | 88.4350% | 1,466 |
| Assets per employee ($millions) | 6.0577% | 1,188 |
| Cash dividends to net income (ytd only)* | -30.2393% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2083% | 1,736 |
| Loan loss allowance to noncurrent loans | 47.6057% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 5.3606% | 1,165 |
| Noncurrent loans to loans | 4.6388% | 1,550 |
| Net loans and leases to total assets | 83.0547% | 433 |
| Net loans and leases to deposits | 93.2434% | 1,374 |
| Net loans and leases to core deposits | 106.0003% | 1,446 |
| Total domestic deposits to total assets | 89.0730% | 1,394 |
| Equity capital to assets | 8.1973% | 6,547 |
| Core capital (leverage) ratio | 7.9602% | 6,315 |
| Tier 1 risk-based capital ratio | 9.0948% | 7,393 |
| Total risk-based capital ratio | 12.8231% | 5,667 |
| Memoranda: | ||
| Average total assets | $468,459,000 | 1,459 |
| Average earning assets | $443,537,000 | 1,395 |
| Average equity | $35,430,670 | 1,885 |
| Average total loans | $380,696,670 | 1,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 4,254 |
| Cost of funding earning assets | 1.9235% | 1,359 |
| Net interest margin | 3.2346% | 6,183 |
| Noninterest income to average assets | 0.1353% | 7,004 |
| Noninterest expense to average assets | 2.6853% | 4,977 |
| Loan and lease loss provision to assets | 2.1783% | 493 |
| Net operating income to assets | -1.3321% | 7,270 |
| Return on assets (ROA) | -1.3321% | 7,281 |
| Pretax return on assets | -1.6410% | 7,299 |
| Return on Equity (ROE) | -18.2743% | 7,397 |
| Retained earnings to average equity (ytd only) | -22.9380% | 7,434 |
| Net charge-offs to loans | 1.2390% | 1,370 |
| Credit loss provision to net charge-offs | 220.6441% | 1,706 |
| Earnings coverage of net charge-offs (x) | 0.5442% | 4,549 |
| Efficiency ratio | 83.3291% | 2,098 |
| Assets per employee ($millions) | 6.5601% | 967 |
| Cash dividends to net income (ytd only)* | -25.5202% | 7,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 1,662 |
| Loan loss allowance to noncurrent loans | 45.7395% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 4.4143% | 1,537 |
| Noncurrent loans to loans | 4.9193% | 1,478 |
| Net loans and leases to total assets | 78.7968% | 1,011 |
| Net loans and leases to deposits | 87.2641% | 2,362 |
| Net loans and leases to core deposits | 89.9613% | 3,366 |
| Total domestic deposits to total assets | 90.2970% | 834 |
| Equity capital to assets | 7.3314% | 7,196 |
| Core capital (leverage) ratio | 7.0353% | 7,228 |
| Tier 1 risk-based capital ratio | 9.2519% | 7,407 |
| Total risk-based capital ratio | 13.1410% | 5,257 |
| Memoranda: | ||
| Average total assets | $490,667,500 | 1,423 |
| Average earning assets | $468,316,000 | 1,357 |
| Average equity | $35,766,000 | 1,881 |
| Average total loans | $390,975,000 | 1,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 6,228 |
| Cost of funding earning assets | 2.7220% | 555 |
| Net interest margin | 2.3383% | 7,555 |
| Noninterest income to average assets | 0.1988% | 6,675 |
| Noninterest expense to average assets | 2.5961% | 5,813 |
| Loan and lease loss provision to assets | 0.5837% | 3,457 |
| Net operating income to assets | -0.7297% | 6,392 |
| Return on assets (ROA) | -0.7077% | 6,367 |
| Pretax return on assets | -0.7230% | 6,211 |
| Return on Equity (ROE) | -9.2484% | 6,560 |
| Retained earnings to average equity (ytd only) | -13.8980% | 6,811 |
| Net charge-offs to loans | 0.5299% | 3,664 |
| Credit loss provision to net charge-offs | 135.3763% | 3,658 |
| Earnings coverage of net charge-offs (x) | -0.3754% | 6,604 |
| Efficiency ratio | 106.6491% | 891 |
| Assets per employee ($millions) | 6.6975% | 906 |
| Cash dividends to net income (ytd only)* | -50.2746% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,635 |
| Loan loss allowance to noncurrent loans | 82.0081% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 2.0495% | 3,333 |
| Noncurrent loans to loans | 2.1597% | 3,443 |
| Net loans and leases to total assets | 77.4248% | 1,500 |
| Net loans and leases to deposits | 86.4284% | 2,840 |
| Net loans and leases to core deposits | 134.0582% | 1,049 |
| Total domestic deposits to total assets | 89.5825% | 1,166 |
| Equity capital to assets | 7.2502% | 7,237 |
| Core capital (leverage) ratio | 7.5512% | 6,739 |
| Tier 1 risk-based capital ratio | 9.2840% | 7,341 |
| Total risk-based capital ratio | 13.0403% | 5,082 |
| Memoranda: | ||
| Average total assets | $514,656,800 | 1,340 |
| Average earning assets | $492,030,200 | 1,283 |
| Average equity | $39,379,800 | 1,705 |
| Average total loans | $418,788,200 | 1,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 2,111 |
| Cost of funding earning assets | 2.8692% | 502 |
| Net interest margin | 3.1136% | 6,273 |
| Noninterest income to average assets | 0.3124% | 5,986 |
| Noninterest expense to average assets | 2.4242% | 6,336 |
| Loan and lease loss provision to assets | 0.2075% | 5,322 |
| Net operating income to assets | 0.5407% | 3,828 |
| Return on assets (ROA) | 0.5407% | 3,913 |
| Pretax return on assets | 0.6524% | 4,011 |
| Return on Equity (ROE) | 6.9767% | 3,082 |
| Retained earnings to average equity (ytd only) | 2.2567% | 4,066 |
| Net charge-offs to loans | 0.2820% | 4,270 |
| Credit loss provision to net charge-offs | 89.7207% | 5,490 |
| Earnings coverage of net charge-offs (x) | 3.7184% | 3,407 |
| Efficiency ratio | 73.8180% | 3,890 |
| Assets per employee ($millions) | 6.6350% | 930 |
| Cash dividends to net income (ytd only)* | 67.6539% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,523 |
| Loan loss allowance to noncurrent loans | 179.1199% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 4,486 |
| Noncurrent loans to loans | 0.8296% | 5,639 |
| Net loans and leases to total assets | 82.9723% | 668 |
| Net loans and leases to deposits | 94.3054% | 1,834 |
| Net loans and leases to core deposits | 166.8148% | 296 |
| Total domestic deposits to total assets | 87.9825% | 1,665 |
| Equity capital to assets | 8.6935% | 5,962 |
| Core capital (leverage) ratio | 8.1003% | 6,182 |
| Tier 1 risk-based capital ratio | 10.1840% | 6,798 |
| Total risk-based capital ratio | 13.7905% | 4,462 |
| Memoranda: | ||
| Average total assets | $516,068,750 | 1,349 |
| Average earning assets | $492,532,250 | 1,293 |
| Average equity | $39,998,750 | 1,696 |
| Average total loans | $423,184,000 | 1,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8515% | 2,798 |
| Cost of funding earning assets | 2.9167% | 581 |
| Net interest margin | 2.9348% | 6,724 |
| Noninterest income to average assets | 0.3945% | 5,337 |
| Noninterest expense to average assets | 2.2596% | 6,888 |
| Loan and lease loss provision to assets | 0.2673% | 4,447 |
| Net operating income to assets | 0.5404% | 3,931 |
| Return on assets (ROA) | 0.5404% | 4,042 |
| Pretax return on assets | 0.6675% | 4,107 |
| Return on Equity (ROE) | 7.2524% | 3,087 |
| Retained earnings to average equity (ytd only) | 2.1896% | 4,122 |
| Net charge-offs to loans | 0.0627% | 5,620 |
| Credit loss provision to net charge-offs | 524.8120% | 879 |
| Earnings coverage of net charge-offs (x) | 18.3534% | 1,415 |
| Efficiency ratio | 70.7349% | 4,634 |
| Assets per employee ($millions) | 7.5044% | 614 |
| Cash dividends to net income (ytd only)* | 69.8086% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,751 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7030% | 3,623 |
| Noncurrent loans to loans | 1.8179% | 3,785 |
| Net loans and leases to total assets | 74.3128% | 2,619 |
| Net loans and leases to deposits | 82.9179% | 4,058 |
| Net loans and leases to core deposits | 165.5395% | 377 |
| Total domestic deposits to total assets | 89.6221% | 998 |
| Equity capital to assets | 7.5411% | 7,227 |
| Core capital (leverage) ratio | 8.1940% | 5,993 |
| Tier 1 risk-based capital ratio | 9.8269% | 7,106 |
| Total risk-based capital ratio | 13.3464% | 4,756 |
| Memoranda: | ||
| Average total assets | $522,217,000 | 1,353 |
| Average earning assets | $498,228,670 | 1,296 |
| Average equity | $38,911,330 | 1,748 |
| Average total loans | $424,539,330 | 1,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1566% | 1,738 |
| Cost of funding earning assets | 3.2295% | 316 |
| Net interest margin | 2.9271% | 6,679 |
| Noninterest income to average assets | 0.1758% | 7,049 |
| Noninterest expense to average assets | 2.2427% | 6,719 |
| Loan and lease loss provision to assets | 0.0546% | 6,281 |
| Net operating income to assets | 0.5974% | 4,024 |
| Return on assets (ROA) | 0.5974% | 4,220 |
| Pretax return on assets | 0.6536% | 4,581 |
| Return on Equity (ROE) | 8.0734% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.0926% | 4,155 |
| Net charge-offs to loans | 0.0057% | 5,608 |
| Credit loss provision to net charge-offs | 1,133.3333% | 559 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 303 |
| Efficiency ratio | 76.0000% | 3,495 |
| Assets per employee ($millions) | 6.5843% | 925 |
| Cash dividends to net income (ytd only)* | 61.6935% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,942 |
| Loan loss allowance to noncurrent loans | 41.6281% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.6568% | 1,449 |
| Noncurrent loans to loans | 3.6217% | 1,733 |
| Net loans and leases to total assets | 83.3173% | 805 |
| Net loans and leases to deposits | 94.4879% | 2,194 |
| Net loans and leases to core deposits | 222.1503% | 98 |
| Total domestic deposits to total assets | 88.1778% | 1,659 |
| Equity capital to assets | 8.5668% | 5,964 |
| Core capital (leverage) ratio | 8.6072% | 5,328 |
| Tier 1 risk-based capital ratio | 9.9945% | 6,930 |
| Total risk-based capital ratio | 13.5642% | 4,611 |
| Memoranda: | ||
| Average total assets | $498,156,500 | 1,424 |
| Average earning assets | $472,277,000 | 1,376 |
| Average equity | $36,862,000 | 1,857 |
| Average total loans | $421,449,500 | 1,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6186% | 329 |
| Cost of funding earning assets | 3.8379% | 178 |
| Net interest margin | 3.7807% | 4,101 |
| Noninterest income to average assets | 0.1554% | 7,315 |
| Noninterest expense to average assets | 2.5281% | 5,896 |
| Loan and lease loss provision to assets | 0.7938% | 1,875 |
| Net operating income to assets | 0.3110% | 5,505 |
| Return on assets (ROA) | 0.3110% | 5,317 |
| Pretax return on assets | 0.3579% | 5,364 |
| Return on Equity (ROE) | 4.2235% | 4,728 |
| Retained earnings to average equity (ytd only) | -2.0205% | 5,874 |
| Net charge-offs to loans | 0.1550% | 4,646 |
| Credit loss provision to net charge-offs | 570.0000% | 767 |
| Earnings coverage of net charge-offs (x) | 8.2702% | 2,911 |
| Efficiency ratio | 68.7027% | 4,594 |
| Assets per employee ($millions) | 6.5251% | 878 |
| Cash dividends to net income (ytd only)* | 147.8397% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 2,651 |
| Loan loss allowance to noncurrent loans | 154.8640% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 4,546 |
| Noncurrent loans to loans | 0.9726% | 4,650 |
| Net loans and leases to total assets | 83.3366% | 987 |
| Net loans and leases to deposits | 92.0996% | 3,117 |
| Net loans and leases to core deposits | 216.7245% | 122 |
| Total domestic deposits to total assets | 90.4853% | 496 |
| Equity capital to assets | 6.2219% | 8,011 |
| Core capital (leverage) ratio | 6.6119% | 7,895 |
| Tier 1 risk-based capital ratio | 7.1609% | 8,161 |
| Total risk-based capital ratio | 10.7345% | 7,245 |
| Memoranda: | ||
| Average total assets | $409,313,000 | 1,660 |
| Average earning assets | $381,566,800 | 1,632 |
| Average equity | $30,140,800 | 2,252 |
| Average total loans | $367,627,200 | 1,318 |