Home > Cottage Savings Bank > Performance and Condition Ratios
Cottage Savings 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 | 3.4405% | 6,575 |
| Cost of funding earning assets | 1.2181% | 642 |
| Net interest margin | 2.2224% | 6,979 |
| Noninterest income to average assets | 1.2066% | 1,036 |
| Noninterest expense to average assets | 2.6662% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5377% | 4,670 |
| Return on assets (ROA) | 0.5377% | 4,939 |
| Pretax return on assets | 0.5377% | 5,349 |
| Return on Equity (ROE) | 2.9912% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.9912% | 4,762 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2168% | 1,680 |
| Assets per employee ($millions) | 4.5950% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 6,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 5,249 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 62.8388% | 3,232 |
| Net loans and leases to deposits | 86.8869% | 1,497 |
| Net loans and leases to core deposits | 90.7684% | 1,898 |
| Total domestic deposits to total assets | 72.3226% | 6,725 |
| Equity capital to assets | 18.3388% | 337 |
| Core capital (leverage) ratio | 18.6176% | 266 |
| Tier 1 risk-based capital ratio | 27.9367% | 663 |
| Total risk-based capital ratio | 28.8238% | 681 |
| Memoranda: | ||
| Average total assets | $41,656,750 | 6,524 |
| Average earning assets | $37,436,000 | 6,531 |
| Average equity | $7,488,250 | 5,696 |
| Average total loans | $27,053,250 | 6,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4775% | 6,634 |
| Cost of funding earning assets | 1.2355% | 695 |
| Net interest margin | 2.2420% | 7,033 |
| Noninterest income to average assets | 0.8525% | 1,954 |
| Noninterest expense to average assets | 2.5481% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3209% | 5,541 |
| Return on assets (ROA) | 0.3209% | 5,744 |
| Pretax return on assets | 0.3209% | 5,921 |
| Return on Equity (ROE) | 1.7971% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.7971% | 5,295 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8147% | 1,166 |
| Assets per employee ($millions) | 4.5498% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 6,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 5,041 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 65.9861% | 2,672 |
| Net loans and leases to deposits | 91.2375% | 1,025 |
| Net loans and leases to core deposits | 97.0128% | 1,350 |
| Total domestic deposits to total assets | 72.3234% | 6,783 |
| Equity capital to assets | 18.2744% | 320 |
| Core capital (leverage) ratio | 17.7570% | 304 |
| Tier 1 risk-based capital ratio | 26.6039% | 761 |
| Total risk-based capital ratio | 27.4602% | 776 |
| Memoranda: | ||
| Average total assets | $41,757,330 | 6,560 |
| Average earning assets | $37,555,670 | 6,573 |
| Average equity | $7,456,330 | 5,723 |
| Average total loans | $27,328,670 | 6,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 6,718 |
| Cost of funding earning assets | 1.2425% | 802 |
| Net interest margin | 2.2428% | 7,081 |
| Noninterest income to average assets | 0.7495% | 2,403 |
| Noninterest expense to average assets | 2.2580% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5123% | 4,771 |
| Return on assets (ROA) | 0.5123% | 4,983 |
| Pretax return on assets | 0.5123% | 5,389 |
| Return on Equity (ROE) | 2.9021% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.9021% | 4,801 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5068% | 2,002 |
| Assets per employee ($millions) | 6.0307% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 5,062 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.1103% | 3,017 |
| Net loans and leases to deposits | 86.4916% | 1,361 |
| Net loans and leases to core deposits | 92.5230% | 1,592 |
| Total domestic deposits to total assets | 72.9670% | 6,832 |
| Equity capital to assets | 17.6951% | 363 |
| Core capital (leverage) ratio | 17.7724% | 306 |
| Tier 1 risk-based capital ratio | 26.2107% | 788 |
| Total risk-based capital ratio | 27.0560% | 804 |
| Memoranda: | ||
| Average total assets | $42,162,000 | 6,595 |
| Average earning assets | $37,988,500 | 6,603 |
| Average equity | $7,443,000 | 5,757 |
| Average total loans | $27,363,000 | 6,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 6,420 |
| Cost of funding earning assets | 1.3438% | 1,271 |
| Net interest margin | 2.6740% | 6,945 |
| Noninterest income to average assets | 1.0350% | 1,272 |
| Noninterest expense to average assets | 2.5802% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8464% | 2,843 |
| Return on assets (ROA) | 0.8464% | 2,996 |
| Pretax return on assets | 0.8464% | 3,789 |
| Return on Equity (ROE) | 4.8381% | 4,463 |
| Retained earnings to average equity (ytd only) | 2.4329% | 4,488 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2999% | 3,009 |
| Assets per employee ($millions) | 5.2636% | 1,872 |
| Cash dividends to net income (ytd only)* | 49.7143% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 6,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 5,152 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.5537% | 2,867 |
| Net loans and leases to deposits | 89.8421% | 1,175 |
| Net loans and leases to core deposits | 96.1042% | 1,484 |
| Total domestic deposits to total assets | 72.9654% | 6,812 |
| Equity capital to assets | 17.6114% | 372 |
| Core capital (leverage) ratio | 17.7148% | 315 |
| Tier 1 risk-based capital ratio | 25.6023% | 808 |
| Total risk-based capital ratio | 26.4342% | 834 |
| Memoranda: | ||
| Average total assets | $41,352,800 | 6,620 |
| Average earning assets | $36,985,600 | 6,642 |
| Average equity | $7,234,200 | 5,797 |
| Average total loans | $29,170,800 | 6,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 6,206 |
| Cost of funding earning assets | 1.3634% | 1,405 |
| Net interest margin | 2.8357% | 6,848 |
| Noninterest income to average assets | 0.6478% | 2,896 |
| Noninterest expense to average assets | 2.5394% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6413% | 3,913 |
| Return on assets (ROA) | 0.6413% | 4,096 |
| Pretax return on assets | 0.6413% | 4,679 |
| Return on Equity (ROE) | 3.6723% | 5,138 |
| Retained earnings to average equity (ytd only) | 0.4451% | 5,815 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8371% | 2,275 |
| Assets per employee ($millions) | 5.1071% | 2,059 |
| Cash dividends to net income (ytd only)* | 87.8783% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 5,234 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.7520% | 2,319 |
| Net loans and leases to deposits | 94.5855% | 785 |
| Net loans and leases to core deposits | 99.6064% | 1,286 |
| Total domestic deposits to total assets | 72.6877% | 6,882 |
| Equity capital to assets | 17.7791% | 421 |
| Core capital (leverage) ratio | 17.9321% | 325 |
| Tier 1 risk-based capital ratio | 24.9088% | 922 |
| Total risk-based capital ratio | 25.7351% | 944 |
| Memoranda: | ||
| Average total assets | $41,163,750 | 6,686 |
| Average earning assets | $36,768,750 | 6,709 |
| Average equity | $7,188,750 | 5,846 |
| Average total loans | $29,502,500 | 6,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 6,173 |
| Cost of funding earning assets | 1.3975% | 1,431 |
| Net interest margin | 2.8491% | 6,865 |
| Noninterest income to average assets | 0.2472% | 5,879 |
| Noninterest expense to average assets | 2.4330% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3635% | 5,113 |
| Return on assets (ROA) | 0.3635% | 5,253 |
| Pretax return on assets | 0.3635% | 5,505 |
| Return on Equity (ROE) | 2.0939% | 5,757 |
| Retained earnings to average equity (ytd only) | -2.7639% | 6,346 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0017% | 1,512 |
| Assets per employee ($millions) | 5.0928% | 1,999 |
| Cash dividends to net income (ytd only)* | 232.0000% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 6,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7830% | 5,329 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.8472% | 1,817 |
| Net loans and leases to deposits | 101.8688% | 402 |
| Net loans and leases to core deposits | 107.4517% | 840 |
| Total domestic deposits to total assets | 70.5292% | 7,085 |
| Equity capital to assets | 17.5274% | 423 |
| Core capital (leverage) ratio | 16.9810% | 405 |
| Tier 1 risk-based capital ratio | 23.3661% | 1,077 |
| Total risk-based capital ratio | 24.1535% | 1,117 |
| Memoranda: | ||
| Average total assets | $41,266,000 | 6,742 |
| Average earning assets | $36,923,330 | 6,767 |
| Average equity | $7,163,670 | 5,877 |
| Average total loans | $29,893,330 | 6,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 6,146 |
| Cost of funding earning assets | 1.3700% | 1,769 |
| Net interest margin | 2.8803% | 6,790 |
| Noninterest income to average assets | 0.2793% | 5,674 |
| Noninterest expense to average assets | 2.4273% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4238% | 4,836 |
| Return on assets (ROA) | 0.4238% | 4,927 |
| Pretax return on assets | 0.4238% | 5,267 |
| Return on Equity (ROE) | 2.4530% | 5,618 |
| Retained earnings to average equity (ytd only) | -7.2474% | 6,695 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1351% | 1,822 |
| Assets per employee ($millions) | 5.1639% | 1,940 |
| Cash dividends to net income (ytd only)* | 395.4545% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 6,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 5,343 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 71.9106% | 1,740 |
| Net loans and leases to deposits | 104.9421% | 281 |
| Net loans and leases to core deposits | 106.2292% | 925 |
| Total domestic deposits to total assets | 68.5241% | 7,249 |
| Equity capital to assets | 17.2109% | 423 |
| Core capital (leverage) ratio | 17.4462% | 363 |
| Tier 1 risk-based capital ratio | 22.8484% | 1,103 |
| Total risk-based capital ratio | 23.6217% | 1,145 |
| Memoranda: | ||
| Average total assets | $41,528,000 | 6,777 |
| Average earning assets | $37,079,000 | 6,802 |
| Average equity | $7,175,000 | 5,876 |
| Average total loans | $30,084,000 | 6,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 6,664 |
| Cost of funding earning assets | 1.7057% | 1,577 |
| Net interest margin | 2.6687% | 7,151 |
| Noninterest income to average assets | 1.0023% | 1,495 |
| Noninterest expense to average assets | 2.4348% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9854% | 2,086 |
| Return on assets (ROA) | 0.9854% | 2,197 |
| Pretax return on assets | 0.9854% | 2,980 |
| Return on Equity (ROE) | 5.8592% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.9588% | 2,436 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1876% | 3,955 |
| Assets per employee ($millions) | 5.2181% | 1,841 |
| Cash dividends to net income (ytd only)* | 15.3659% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 5,462 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.8194% | 2,139 |
| Net loans and leases to deposits | 108.7135% | 256 |
| Net loans and leases to core deposits | 110.0786% | 913 |
| Total domestic deposits to total assets | 66.0630% | 7,390 |
| Equity capital to assets | 17.3434% | 420 |
| Core capital (leverage) ratio | 17.2183% | 383 |
| Tier 1 risk-based capital ratio | 23.0430% | 1,030 |
| Total risk-based capital ratio | 23.8089% | 1,082 |
| Memoranda: | ||
| Average total assets | $41,605,800 | 6,809 |
| Average earning assets | $37,696,400 | 6,808 |
| Average equity | $6,997,600 | 6,035 |
| Average total loans | $30,456,400 | 6,370 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 6,756 |
| Cost of funding earning assets | 1.7534% | 1,611 |
| Net interest margin | 2.6812% | 7,256 |
| Noninterest income to average assets | 0.8660% | 1,926 |
| Noninterest expense to average assets | 2.5338% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7697% | 3,133 |
| Return on assets (ROA) | 0.7697% | 3,289 |
| Pretax return on assets | 0.7697% | 4,011 |
| Return on Equity (ROE) | 4.6128% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.4019% | 4,054 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6990% | 2,815 |
| Assets per employee ($millions) | 5.3081% | 1,815 |
| Cash dividends to net income (ytd only)* | 26.2508% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 7,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 5,576 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.9667% | 2,497 |
| Net loans and leases to deposits | 105.8109% | 368 |
| Net loans and leases to core deposits | 107.0969% | 1,231 |
| Total domestic deposits to total assets | 67.0694% | 7,426 |
| Equity capital to assets | 16.6490% | 565 |
| Core capital (leverage) ratio | 16.8591% | 445 |
| Tier 1 risk-based capital ratio | 22.3494% | 1,156 |
| Total risk-based capital ratio | 23.1101% | 1,201 |
| Memoranda: | ||
| Average total assets | $41,571,000 | 6,896 |
| Average earning assets | $37,793,250 | 6,883 |
| Average equity | $6,937,000 | 6,139 |
| Average total loans | $30,515,250 | 6,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 6,718 |
| Cost of funding earning assets | 1.8405% | 1,484 |
| Net interest margin | 2.6567% | 7,297 |
| Noninterest income to average assets | 0.5863% | 3,436 |
| Noninterest expense to average assets | 2.5392% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4603% | 4,505 |
| Return on assets (ROA) | 0.4603% | 4,665 |
| Pretax return on assets | 0.4603% | 5,028 |
| Return on Equity (ROE) | 2.7566% | 5,341 |
| Retained earnings to average equity (ytd only) | 0.9285% | 5,389 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6527% | 1,850 |
| Assets per employee ($millions) | 5.1875% | 1,940 |
| Cash dividends to net income (ytd only)* | 66.3158% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 7,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 5,499 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.0892% | 2,148 |
| Net loans and leases to deposits | 113.6669% | 209 |
| Net loans and leases to core deposits | 115.1338% | 877 |
| Total domestic deposits to total assets | 64.3012% | 7,572 |
| Equity capital to assets | 16.6867% | 572 |
| Core capital (leverage) ratio | 16.4401% | 509 |
| Tier 1 risk-based capital ratio | 21.8002% | 1,236 |
| Total risk-based capital ratio | 22.5579% | 1,266 |
| Memoranda: | ||
| Average total assets | $41,273,000 | 6,950 |
| Average earning assets | $37,490,330 | 6,951 |
| Average equity | $6,892,670 | 6,176 |
| Average total loans | $30,561,670 | 6,496 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 6,900 |
| Cost of funding earning assets | 1.8829% | 1,518 |
| Net interest margin | 2.5676% | 7,415 |
| Noninterest income to average assets | 0.5442% | 3,689 |
| Noninterest expense to average assets | 2.5753% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3013% | 5,297 |
| Return on assets (ROA) | 0.3013% | 5,426 |
| Pretax return on assets | 0.3013% | 5,597 |
| Return on Equity (ROE) | 1.8032% | 5,834 |
| Retained earnings to average equity (ytd only) | -1.9196% | 6,202 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5270% | 1,469 |
| Assets per employee ($millions) | 5.1014% | 2,092 |
| Cash dividends to net income (ytd only)* | 206.4516% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 7,149 |
| Loan loss allowance to noncurrent loans | 173.9130% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 4,853 |
| Noncurrent loans to loans | 0.4556% | 6,386 |
| Net loans and leases to total assets | 73.6346% | 2,048 |
| Net loans and leases to deposits | 107.0879% | 381 |
| Net loans and leases to core deposits | 110.1253% | 1,262 |
| Total domestic deposits to total assets | 68.7609% | 7,480 |
| Equity capital to assets | 16.8092% | 555 |
| Core capital (leverage) ratio | 16.5648% | 497 |
| Tier 1 risk-based capital ratio | 20.7088% | 1,389 |
| Total risk-based capital ratio | 21.4333% | 1,457 |
| Memoranda: | ||
| Average total assets | $41,159,500 | 7,051 |
| Average earning assets | $37,389,500 | 7,042 |
| Average equity | $6,876,500 | 6,233 |
| Average total loans | $30,556,500 | 6,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 7,252 |
| Cost of funding earning assets | 2.5468% | 902 |
| Net interest margin | 2.0787% | 7,712 |
| Noninterest income to average assets | 0.7791% | 2,517 |
| Noninterest expense to average assets | 2.3257% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3592% | 4,290 |
| Return on assets (ROA) | 0.3592% | 4,391 |
| Pretax return on assets | 0.3592% | 4,619 |
| Return on Equity (ROE) | 2.2423% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.2423% | 3,547 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6203% | 2,043 |
| Assets per employee ($millions) | 4.6120% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 7,191 |
| Loan loss allowance to noncurrent loans | 71.6418% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 5,489 |
| Noncurrent loans to loans | 1.0869% | 5,147 |
| Net loans and leases to total assets | 73.6774% | 2,340 |
| Net loans and leases to deposits | 106.5092% | 524 |
| Net loans and leases to core deposits | 141.2042% | 766 |
| Total domestic deposits to total assets | 69.1746% | 7,481 |
| Equity capital to assets | 16.6064% | 600 |
| Core capital (leverage) ratio | 16.1417% | 599 |
| Tier 1 risk-based capital ratio | 20.4686% | 1,375 |
| Total risk-based capital ratio | 21.1813% | 1,441 |
| Memoranda: | ||
| Average total assets | $42,868,400 | 6,995 |
| Average earning assets | $39,303,800 | 6,966 |
| Average equity | $6,867,800 | 6,311 |
| Average total loans | $31,313,400 | 6,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 7,304 |
| Cost of funding earning assets | 2.6869% | 816 |
| Net interest margin | 1.9975% | 7,810 |
| Noninterest income to average assets | 0.8578% | 2,165 |
| Noninterest expense to average assets | 2.3174% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3734% | 4,499 |
| Return on assets (ROA) | 0.3734% | 4,606 |
| Pretax return on assets | 0.3734% | 4,869 |
| Return on Equity (ROE) | 2.3512% | 5,046 |
| Retained earnings to average equity (ytd only) | 2.3512% | 4,012 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1239% | 2,051 |
| Assets per employee ($millions) | 4.8382% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 7,169 |
| Loan loss allowance to noncurrent loans | 71.6418% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 5,588 |
| Noncurrent loans to loans | 1.0953% | 5,121 |
| Net loans and leases to total assets | 69.6858% | 3,583 |
| Net loans and leases to deposits | 102.7704% | 859 |
| Net loans and leases to core deposits | 138.6330% | 982 |
| Total domestic deposits to total assets | 67.8073% | 7,595 |
| Equity capital to assets | 15.7542% | 841 |
| Core capital (leverage) ratio | 15.3932% | 791 |
| Tier 1 risk-based capital ratio | 20.2086% | 1,517 |
| Total risk-based capital ratio | 20.9156% | 1,583 |
| Memoranda: | ||
| Average total assets | $43,208,500 | 7,032 |
| Average earning assets | $39,648,250 | 7,007 |
| Average equity | $6,861,500 | 6,368 |
| Average total loans | $31,436,250 | 6,601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 7,443 |
| Cost of funding earning assets | 2.7894% | 816 |
| Net interest margin | 1.8731% | 7,919 |
| Noninterest income to average assets | 1.1277% | 1,235 |
| Noninterest expense to average assets | 2.3621% | 6,585 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4826% | 4,158 |
| Return on assets (ROA) | 0.4826% | 4,271 |
| Pretax return on assets | 0.4826% | 4,678 |
| Return on Equity (ROE) | 3.0312% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.0312% | 3,633 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0343% | 2,599 |
| Assets per employee ($millions) | 5.0119% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 7,275 |
| Loan loss allowance to noncurrent loans | 71.6418% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 5,550 |
| Noncurrent loans to loans | 1.0598% | 5,094 |
| Net loans and leases to total assets | 69.5457% | 3,807 |
| Net loans and leases to deposits | 103.3097% | 960 |
| Net loans and leases to core deposits | 139.8262% | 1,019 |
| Total domestic deposits to total assets | 67.3177% | 7,662 |
| Equity capital to assets | 15.1706% | 994 |
| Core capital (leverage) ratio | 15.3169% | 854 |
| Tier 1 risk-based capital ratio | 20.0669% | 1,568 |
| Total risk-based capital ratio | 20.7707% | 1,630 |
| Memoranda: | ||
| Average total assets | $43,096,670 | 7,093 |
| Average earning assets | $39,507,330 | 7,073 |
| Average equity | $6,862,000 | 6,418 |
| Average total loans | $31,720,330 | 6,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 7,389 |
| Cost of funding earning assets | 2.8793% | 808 |
| Net interest margin | 1.9057% | 7,944 |
| Noninterest income to average assets | 1.2259% | 953 |
| Noninterest expense to average assets | 2.3568% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6177% | 3,951 |
| Return on assets (ROA) | 0.6177% | 4,137 |
| Pretax return on assets | 0.6177% | 4,702 |
| Return on Equity (ROE) | 3.7837% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.7837% | 3,787 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2332% | 2,960 |
| Assets per employee ($millions) | 4.4314% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 7,266 |
| Loan loss allowance to noncurrent loans | 71.6418% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 5,268 |
| Noncurrent loans to loans | 1.0685% | 4,843 |
| Net loans and leases to total assets | 70.2058% | 3,625 |
| Net loans and leases to deposits | 105.0479% | 937 |
| Net loans and leases to core deposits | 140.2407% | 1,089 |
| Total domestic deposits to total assets | 66.8322% | 7,678 |
| Equity capital to assets | 15.3541% | 998 |
| Core capital (leverage) ratio | 15.7085% | 826 |
| Tier 1 risk-based capital ratio | 20.6520% | 1,498 |
| Total risk-based capital ratio | 21.3804% | 1,556 |
| Memoranda: | ||
| Average total assets | $42,091,500 | 7,161 |
| Average earning assets | $38,620,000 | 7,139 |
| Average equity | $6,871,500 | 6,451 |
| Average total loans | $31,775,500 | 6,661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 7,106 |
| Cost of funding earning assets | 3.2792% | 978 |
| Net interest margin | 2.3091% | 7,905 |
| Noninterest income to average assets | 0.3110% | 6,228 |
| Noninterest expense to average assets | 2.4631% | 6,156 |
| Loan and lease loss provision to assets | -0.0249% | 8,220 |
| Net operating income to assets | -0.0249% | 6,406 |
| Return on assets (ROA) | -0.0249% | 6,262 |
| Pretax return on assets | -0.0249% | 6,182 |
| Return on Equity (ROE) | -0.1436% | 6,252 |
| Retained earnings to average equity (ytd only) | -1.4791% | 5,733 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0619% | 912 |
| Assets per employee ($millions) | 4.4299% | 2,720 |
| Cash dividends to net income (ytd only)* | -930.0000% | 8,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 7,307 |
| Loan loss allowance to noncurrent loans | 71.6418% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 4,745 |
| Noncurrent loans to loans | 1.0404% | 4,503 |
| Net loans and leases to total assets | 80.1625% | 1,623 |
| Net loans and leases to deposits | 122.7154% | 333 |
| Net loans and leases to core deposits | 163.8134% | 508 |
| Total domestic deposits to total assets | 65.3239% | 7,698 |
| Equity capital to assets | 17.4045% | 727 |
| Core capital (leverage) ratio | 16.9029% | 710 |
| Tier 1 risk-based capital ratio | 21.8405% | 1,335 |
| Total risk-based capital ratio | 22.5997% | 1,376 |
| Memoranda: | ||
| Average total assets | $40,192,600 | 7,204 |
| Average earning assets | $36,594,400 | 7,207 |
| Average equity | $6,963,800 | 6,470 |
| Average total loans | $30,969,200 | 6,653 |