Home > Madison Square Federal Savings Bank > Performance and Condition Ratios
Madison Square Federal Savings Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3190% | 5,676 |
| Cost of funding earning assets | 0.6847% | 1,181 |
| Net interest margin | 2.6344% | 6,029 |
| Noninterest income to average assets | 0.1024% | 6,148 |
| Noninterest expense to average assets | 2.5584% | 4,369 |
| Loan and lease loss provision to assets | 0.0135% | 4,348 |
| Net operating income to assets | 0.0633% | 6,004 |
| Return on assets (ROA) | 0.0675% | 6,024 |
| Pretax return on assets | 0.0675% | 6,025 |
| Return on Equity (ROE) | 0.7823% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.7823% | 5,416 |
| Net charge-offs to loans | 0.1025% | 3,035 |
| Credit loss provision to net charge-offs | 22.6190% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 4,453 |
| Efficiency ratio | 97.0866% | 464 |
| Assets per employee ($millions) | 4.8338% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 4,954 |
| Loan loss allowance to noncurrent loans | 70.9964% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 3,124 |
| Noncurrent loans to loans | 1.4343% | 2,053 |
| Net loans and leases to total assets | 57.3113% | 4,151 |
| Net loans and leases to deposits | 63.4898% | 4,581 |
| Net loans and leases to core deposits | 67.2230% | 4,579 |
| Total domestic deposits to total assets | 90.2686% | 620 |
| Equity capital to assets | 9.2615% | 4,992 |
| Core capital (leverage) ratio | 9.3864% | 4,404 |
| Tier 1 risk-based capital ratio | 19.8064% | 1,636 |
| Total risk-based capital ratio | 21.0380% | 1,616 |
| Memoranda: | ||
| Average total assets | $140,673,800 | 3,789 |
| Average earning assets | $135,249,600 | 3,669 |
| Average equity | $12,144,200 | 4,329 |
| Average total loans | $81,916,400 | 3,820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 5,717 |
| Cost of funding earning assets | 0.6888% | 1,207 |
| Net interest margin | 2.6400% | 6,086 |
| Noninterest income to average assets | 0.0995% | 6,251 |
| Noninterest expense to average assets | 2.5613% | 4,314 |
| Loan and lease loss provision to assets | 0.0178% | 4,053 |
| Net operating income to assets | 0.0573% | 6,076 |
| Return on assets (ROA) | 0.0610% | 6,101 |
| Pretax return on assets | 0.0610% | 6,106 |
| Return on Equity (ROE) | 0.7194% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.7194% | 5,588 |
| Net charge-offs to loans | 0.0853% | 2,987 |
| Credit loss provision to net charge-offs | 35.8491% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 4,142 |
| Efficiency ratio | 97.1510% | 462 |
| Assets per employee ($millions) | 4.4251% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,058 |
| Loan loss allowance to noncurrent loans | 73.4278% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 3,240 |
| Noncurrent loans to loans | 1.4070% | 2,307 |
| Net loans and leases to total assets | 57.8890% | 4,086 |
| Net loans and leases to deposits | 63.9524% | 4,541 |
| Net loans and leases to core deposits | 68.6406% | 4,449 |
| Total domestic deposits to total assets | 90.5189% | 518 |
| Equity capital to assets | 8.9366% | 5,421 |
| Core capital (leverage) ratio | 9.2362% | 4,728 |
| Tier 1 risk-based capital ratio | 19.4935% | 1,784 |
| Total risk-based capital ratio | 20.7444% | 1,751 |
| Memoranda: | ||
| Average total assets | $142,006,000 | 3,787 |
| Average earning assets | $136,461,000 | 3,682 |
| Average equity | $12,046,500 | 4,376 |
| Average total loans | $82,804,000 | 3,823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 5,759 |
| Cost of funding earning assets | 0.6898% | 1,242 |
| Net interest margin | 2.6376% | 6,129 |
| Noninterest income to average assets | 0.1058% | 6,269 |
| Noninterest expense to average assets | 2.5527% | 4,406 |
| Loan and lease loss provision to assets | 0.0265% | 3,748 |
| Net operating income to assets | 0.0613% | 6,113 |
| Return on assets (ROA) | 0.0668% | 6,125 |
| Pretax return on assets | 0.0668% | 6,128 |
| Return on Equity (ROE) | 0.8016% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.8016% | 5,426 |
| Net charge-offs to loans | 0.1291% | 2,375 |
| Credit loss provision to net charge-offs | 35.1852% | 2,986 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,878 |
| Efficiency ratio | 96.6772% | 527 |
| Assets per employee ($millions) | 4.5421% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,339 |
| Loan loss allowance to noncurrent loans | 65.5063% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 3,136 |
| Noncurrent loans to loans | 1.5295% | 2,272 |
| Net loans and leases to total assets | 58.1033% | 3,979 |
| Net loans and leases to deposits | 64.0480% | 4,494 |
| Net loans and leases to core deposits | 68.0743% | 4,457 |
| Total domestic deposits to total assets | 90.7184% | 500 |
| Equity capital to assets | 8.7482% | 5,576 |
| Core capital (leverage) ratio | 8.9833% | 5,044 |
| Tier 1 risk-based capital ratio | 18.8145% | 1,969 |
| Total risk-based capital ratio | 20.0461% | 1,937 |
| Memoranda: | ||
| Average total assets | $143,615,330 | 3,788 |
| Average earning assets | $138,002,670 | 3,677 |
| Average equity | $11,975,670 | 4,399 |
| Average total loans | $83,658,670 | 3,821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 5,781 |
| Cost of funding earning assets | 0.6982% | 1,259 |
| Net interest margin | 2.6377% | 6,186 |
| Noninterest income to average assets | 0.1076% | 6,305 |
| Noninterest expense to average assets | 2.5734% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0662% | 6,095 |
| Return on assets (ROA) | 0.0745% | 6,107 |
| Pretax return on assets | 0.0745% | 6,115 |
| Return on Equity (ROE) | 0.9149% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.9149% | 5,231 |
| Net charge-offs to loans | -0.0570% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4922% | 567 |
| Assets per employee ($millions) | 4.6419% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 5,313 |
| Loan loss allowance to noncurrent loans | 54.3141% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 2,998 |
| Noncurrent loans to loans | 1.9349% | 1,945 |
| Net loans and leases to total assets | 57.2527% | 3,961 |
| Net loans and leases to deposits | 62.7550% | 4,462 |
| Net loans and leases to core deposits | 66.8051% | 4,415 |
| Total domestic deposits to total assets | 91.2320% | 472 |
| Equity capital to assets | 8.3197% | 5,810 |
| Core capital (leverage) ratio | 8.7770% | 5,292 |
| Tier 1 risk-based capital ratio | 18.8933% | 1,995 |
| Total risk-based capital ratio | 20.1439% | 1,959 |
| Memoranda: | ||
| Average total assets | $145,020,000 | 3,785 |
| Average earning assets | $139,211,000 | 3,682 |
| Average equity | $11,804,500 | 4,446 |
| Average total loans | $84,167,500 | 3,839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 5,969 |
| Cost of funding earning assets | 0.8556% | 933 |
| Net interest margin | 2.4656% | 6,397 |
| Noninterest income to average assets | 0.1210% | 6,316 |
| Noninterest expense to average assets | 2.3918% | 5,093 |
| Loan and lease loss provision to assets | 0.0356% | 4,408 |
| Net operating income to assets | 0.0679% | 6,101 |
| Return on assets (ROA) | 0.0759% | 6,136 |
| Pretax return on assets | 0.0759% | 6,119 |
| Return on Equity (ROE) | 0.9303% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.9303% | 5,417 |
| Net charge-offs to loans | 0.1088% | 3,741 |
| Credit loss provision to net charge-offs | 57.6087% | 3,639 |
| Earnings coverage of net charge-offs (x) | 1.6739% | 4,494 |
| Efficiency ratio | 95.8524% | 651 |
| Assets per employee ($millions) | 4.7142% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 5,490 |
| Loan loss allowance to noncurrent loans | 88.7860% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 4,250 |
| Noncurrent loans to loans | 1.1425% | 3,258 |
| Net loans and leases to total assets | 57.6231% | 4,097 |
| Net loans and leases to deposits | 63.6453% | 4,540 |
| Net loans and leases to core deposits | 67.4460% | 4,570 |
| Total domestic deposits to total assets | 90.5379% | 786 |
| Equity capital to assets | 7.9629% | 6,047 |
| Core capital (leverage) ratio | 8.6184% | 5,521 |
| Tier 1 risk-based capital ratio | 18.2401% | 2,170 |
| Total risk-based capital ratio | 19.4899% | 2,128 |
| Memoranda: | ||
| Average total assets | $148,802,600 | 3,726 |
| Average earning assets | $143,291,800 | 3,613 |
| Average equity | $12,146,200 | 4,417 |
| Average total loans | $84,548,400 | 3,807 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 6,045 |
| Cost of funding earning assets | 0.8811% | 901 |
| Net interest margin | 2.4296% | 6,487 |
| Noninterest income to average assets | 0.1169% | 6,427 |
| Noninterest expense to average assets | 2.3701% | 5,117 |
| Loan and lease loss provision to assets | 0.0294% | 4,418 |
| Net operating income to assets | 0.0589% | 6,203 |
| Return on assets (ROA) | 0.0696% | 6,247 |
| Pretax return on assets | 0.0696% | 6,238 |
| Return on Equity (ROE) | 0.8474% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.8474% | 5,644 |
| Net charge-offs to loans | 0.1390% | 3,148 |
| Credit loss provision to net charge-offs | 37.5000% | 3,757 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 4,467 |
| Efficiency ratio | 96.4078% | 601 |
| Assets per employee ($millions) | 4.8993% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 5,695 |
| Loan loss allowance to noncurrent loans | 227.0777% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 5,679 |
| Noncurrent loans to loans | 0.4420% | 5,092 |
| Net loans and leases to total assets | 56.8459% | 4,197 |
| Net loans and leases to deposits | 62.2771% | 4,719 |
| Net loans and leases to core deposits | 65.8027% | 4,734 |
| Total domestic deposits to total assets | 91.2790% | 432 |
| Equity capital to assets | 8.0869% | 6,087 |
| Core capital (leverage) ratio | 8.5074% | 5,763 |
| Tier 1 risk-based capital ratio | 18.1459% | 2,269 |
| Total risk-based capital ratio | 19.3751% | 2,245 |
| Memoranda: | ||
| Average total assets | $149,468,000 | 3,754 |
| Average earning assets | $144,051,500 | 3,635 |
| Average equity | $12,273,500 | 4,441 |
| Average total loans | $84,417,000 | 3,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 6,081 |
| Cost of funding earning assets | 0.9055% | 873 |
| Net interest margin | 2.3990% | 6,556 |
| Noninterest income to average assets | 0.1171% | 6,467 |
| Noninterest expense to average assets | 2.3500% | 5,210 |
| Loan and lease loss provision to assets | 0.0266% | 4,386 |
| Net operating income to assets | 0.0532% | 6,235 |
| Return on assets (ROA) | 0.0665% | 6,287 |
| Pretax return on assets | 0.0665% | 6,282 |
| Return on Equity (ROE) | 0.8063% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.8063% | 5,573 |
| Net charge-offs to loans | -0.0142% | 5,862 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7141% | 630 |
| Assets per employee ($millions) | 4.8318% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,495 |
| Loan loss allowance to noncurrent loans | 159.7246% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 5,317 |
| Noncurrent loans to loans | 0.6807% | 4,576 |
| Net loans and leases to total assets | 56.3637% | 4,230 |
| Net loans and leases to deposits | 62.2232% | 4,710 |
| Net loans and leases to core deposits | 65.6845% | 4,719 |
| Total domestic deposits to total assets | 90.5832% | 713 |
| Equity capital to assets | 7.9594% | 6,225 |
| Core capital (leverage) ratio | 8.3232% | 5,856 |
| Tier 1 risk-based capital ratio | 17.8403% | 2,379 |
| Total risk-based capital ratio | 19.0910% | 2,341 |
| Memoranda: | ||
| Average total assets | $150,298,000 | 3,762 |
| Average earning assets | $144,895,670 | 3,649 |
| Average equity | $12,402,670 | 4,442 |
| Average total loans | $84,423,330 | 3,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 6,127 |
| Cost of funding earning assets | 0.9344% | 832 |
| Net interest margin | 2.3815% | 6,612 |
| Noninterest income to average assets | 0.1222% | 6,490 |
| Noninterest expense to average assets | 2.3859% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0319% | 6,293 |
| Return on assets (ROA) | 0.0478% | 6,340 |
| Pretax return on assets | 0.0478% | 6,341 |
| Return on Equity (ROE) | 0.5695% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.5695% | 5,603 |
| Net charge-offs to loans | -0.0333% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6813% | 601 |
| Assets per employee ($millions) | 4.8276% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,691 |
| Loan loss allowance to noncurrent loans | 274.6224% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 5,792 |
| Noncurrent loans to loans | 0.3919% | 5,435 |
| Net loans and leases to total assets | 55.8220% | 4,115 |
| Net loans and leases to deposits | 61.2596% | 4,648 |
| Net loans and leases to core deposits | 65.1108% | 4,641 |
| Total domestic deposits to total assets | 91.1236% | 478 |
| Equity capital to assets | 8.4247% | 6,077 |
| Core capital (leverage) ratio | 8.3037% | 5,822 |
| Tier 1 risk-based capital ratio | 17.8462% | 2,429 |
| Total risk-based capital ratio | 19.0970% | 2,392 |
| Memoranda: | ||
| Average total assets | $150,554,000 | 3,794 |
| Average earning assets | $145,119,500 | 3,674 |
| Average equity | $12,643,000 | 4,445 |
| Average total loans | $83,958,500 | 3,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 6,223 |
| Cost of funding earning assets | 1.1584% | 708 |
| Net interest margin | 2.4450% | 6,744 |
| Noninterest income to average assets | 0.1025% | 6,496 |
| Noninterest expense to average assets | 2.3275% | 5,615 |
| Loan and lease loss provision to assets | 0.2019% | 3,119 |
| Net operating income to assets | -0.0759% | 6,265 |
| Return on assets (ROA) | 0.1785% | 6,000 |
| Pretax return on assets | 0.1785% | 6,028 |
| Return on Equity (ROE) | 2.1844% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.1844% | 4,696 |
| Net charge-offs to loans | 0.2186% | 3,640 |
| Credit loss provision to net charge-offs | 168.1081% | 1,574 |
| Earnings coverage of net charge-offs (x) | 1.0486% | 4,943 |
| Efficiency ratio | 94.8677% | 760 |
| Assets per employee ($millions) | 4.8855% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,625 |
| Loan loss allowance to noncurrent loans | 212.7358% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 5,720 |
| Noncurrent loans to loans | 0.5080% | 5,265 |
| Net loans and leases to total assets | 54.5156% | 4,541 |
| Net loans and leases to deposits | 59.8219% | 5,047 |
| Net loans and leases to core deposits | 63.8169% | 4,978 |
| Total domestic deposits to total assets | 91.1299% | 449 |
| Equity capital to assets | 8.3710% | 6,144 |
| Core capital (leverage) ratio | 8.1940% | 6,004 |
| Tier 1 risk-based capital ratio | 17.7281% | 2,371 |
| Total risk-based capital ratio | 18.9780% | 2,334 |
| Memoranda: | ||
| Average total assets | $154,071,200 | 3,712 |
| Average earning assets | $148,140,800 | 3,586 |
| Average equity | $12,589,400 | 4,443 |
| Average total loans | $84,610,400 | 3,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 6,300 |
| Cost of funding earning assets | 1.1898% | 725 |
| Net interest margin | 2.4685% | 6,847 |
| Noninterest income to average assets | 0.0922% | 6,645 |
| Noninterest expense to average assets | 2.3223% | 5,626 |
| Loan and lease loss provision to assets | 0.2154% | 2,910 |
| Net operating income to assets | -0.0732% | 6,377 |
| Return on assets (ROA) | 0.1551% | 6,179 |
| Pretax return on assets | 0.1551% | 6,193 |
| Return on Equity (ROE) | 1.9096% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.9096% | 5,380 |
| Net charge-offs to loans | 0.2717% | 3,096 |
| Credit loss provision to net charge-offs | 144.5087% | 1,980 |
| Earnings coverage of net charge-offs (x) | 0.9537% | 4,847 |
| Efficiency ratio | 94.2308% | 759 |
| Assets per employee ($millions) | 5.1565% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,019 |
| Loan loss allowance to noncurrent loans | 269.9367% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 6,094 |
| Noncurrent loans to loans | 0.3766% | 5,718 |
| Net loans and leases to total assets | 53.6950% | 4,795 |
| Net loans and leases to deposits | 58.9211% | 5,322 |
| Net loans and leases to core deposits | 63.3206% | 5,226 |
| Total domestic deposits to total assets | 91.1303% | 379 |
| Equity capital to assets | 8.2892% | 6,422 |
| Core capital (leverage) ratio | 7.9388% | 6,375 |
| Tier 1 risk-based capital ratio | 17.1109% | 2,687 |
| Total risk-based capital ratio | 18.2994% | 2,666 |
| Memoranda: | ||
| Average total assets | $154,726,000 | 3,742 |
| Average earning assets | $148,699,250 | 3,615 |
| Average equity | $12,567,250 | 4,486 |
| Average total loans | $84,896,250 | 3,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 6,254 |
| Cost of funding earning assets | 1.2210% | 745 |
| Net interest margin | 2.5282% | 6,865 |
| Noninterest income to average assets | -0.0181% | 7,025 |
| Noninterest expense to average assets | 2.3149% | 5,692 |
| Loan and lease loss provision to assets | 0.2391% | 2,675 |
| Net operating income to assets | -0.1448% | 6,480 |
| Return on assets (ROA) | 0.1202% | 6,277 |
| Pretax return on assets | 0.1202% | 6,285 |
| Return on Equity (ROE) | 1.4901% | 6,196 |
| Retained earnings to average equity (ytd only) | 1.4901% | 5,457 |
| Net charge-offs to loans | 0.0845% | 4,302 |
| Credit loss provision to net charge-offs | 513.8889% | 585 |
| Earnings coverage of net charge-offs (x) | 2.0278% | 3,975 |
| Efficiency ratio | 96.0837% | 700 |
| Assets per employee ($millions) | 5.0633% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,792 |
| Loan loss allowance to noncurrent loans | 351.7110% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 6,373 |
| Noncurrent loans to loans | 0.3115% | 5,929 |
| Net loans and leases to total assets | 53.1941% | 4,934 |
| Net loans and leases to deposits | 58.1840% | 5,428 |
| Net loans and leases to core deposits | 62.1499% | 5,370 |
| Total domestic deposits to total assets | 91.4240% | 327 |
| Equity capital to assets | 8.0447% | 6,539 |
| Core capital (leverage) ratio | 7.7663% | 6,471 |
| Tier 1 risk-based capital ratio | 16.5221% | 2,905 |
| Total risk-based capital ratio | 17.7758% | 2,864 |
| Memoranda: | ||
| Average total assets | $154,736,000 | 3,756 |
| Average earning assets | $148,567,000 | 3,628 |
| Average equity | $12,482,000 | 4,504 |
| Average total loans | $85,222,670 | 3,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 6,220 |
| Cost of funding earning assets | 1.2564% | 757 |
| Net interest margin | 2.5562% | 6,910 |
| Noninterest income to average assets | -0.1771% | 7,193 |
| Noninterest expense to average assets | 2.3512% | 5,620 |
| Loan and lease loss provision to assets | 0.2109% | 2,842 |
| Net operating income to assets | -0.2864% | 6,698 |
| Return on assets (ROA) | -0.0104% | 6,543 |
| Pretax return on assets | -0.0104% | 6,539 |
| Return on Equity (ROE) | -0.1289% | 6,546 |
| Retained earnings to average equity (ytd only) | -0.1289% | 6,011 |
| Net charge-offs to loans | 0.0934% | 3,588 |
| Credit loss provision to net charge-offs | 405.0000% | 776 |
| Earnings coverage of net charge-offs (x) | -1.4500% | 4,592 |
| Efficiency ratio | 103.3181% | 460 |
| Assets per employee ($millions) | 5.1669% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 6,335 |
| Loan loss allowance to noncurrent loans | 102.4480% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 5,550 |
| Noncurrent loans to loans | 0.9519% | 4,769 |
| Net loans and leases to total assets | 54.8285% | 4,582 |
| Net loans and leases to deposits | 59.9106% | 5,161 |
| Net loans and leases to core deposits | 64.1361% | 5,098 |
| Total domestic deposits to total assets | 91.5172% | 372 |
| Equity capital to assets | 8.0119% | 6,518 |
| Core capital (leverage) ratio | 7.7964% | 6,413 |
| Tier 1 risk-based capital ratio | 16.1011% | 3,124 |
| Total risk-based capital ratio | 17.2162% | 3,159 |
| Memoranda: | ||
| Average total assets | $153,623,500 | 3,812 |
| Average earning assets | $147,406,000 | 3,673 |
| Average equity | $12,409,500 | 4,525 |
| Average total loans | $85,624,500 | 3,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 6,379 |
| Cost of funding earning assets | 1.4196% | 957 |
| Net interest margin | 2.6219% | 6,992 |
| Noninterest income to average assets | 0.1318% | 6,498 |
| Noninterest expense to average assets | 2.4934% | 5,489 |
| Loan and lease loss provision to assets | 0.1892% | 4,291 |
| Net operating income to assets | -0.0476% | 6,102 |
| Return on assets (ROA) | 0.0352% | 6,095 |
| Pretax return on assets | 0.0352% | 6,063 |
| Return on Equity (ROE) | 0.4458% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.4458% | 5,624 |
| Net charge-offs to loans | 0.2082% | 4,495 |
| Credit loss provision to net charge-offs | 162.0112% | 1,698 |
| Earnings coverage of net charge-offs (x) | 1.2123% | 4,874 |
| Efficiency ratio | 94.6261% | 886 |
| Assets per employee ($millions) | 5.0747% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 6,804 |
| Loan loss allowance to noncurrent loans | 252.6923% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 6,524 |
| Noncurrent loans to loans | 0.3044% | 6,116 |
| Net loans and leases to total assets | 55.6798% | 4,768 |
| Net loans and leases to deposits | 60.9466% | 5,373 |
| Net loans and leases to core deposits | 65.4561% | 5,329 |
| Total domestic deposits to total assets | 91.3584% | 375 |
| Equity capital to assets | 8.1450% | 6,488 |
| Core capital (leverage) ratio | 7.9568% | 6,306 |
| Tier 1 risk-based capital ratio | 15.7153% | 3,208 |
| Total risk-based capital ratio | 16.5708% | 3,394 |
| Memoranda: | ||
| Average total assets | $153,242,000 | 3,751 |
| Average earning assets | $146,306,200 | 3,633 |
| Average equity | $12,112,200 | 4,526 |
| Average total loans | $85,970,600 | 3,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 6,455 |
| Cost of funding earning assets | 1.4358% | 1,087 |
| Net interest margin | 2.6420% | 7,039 |
| Noninterest income to average assets | 0.1338% | 6,585 |
| Noninterest expense to average assets | 2.5399% | 5,313 |
| Loan and lease loss provision to assets | 0.1624% | 4,436 |
| Net operating income to assets | -0.0495% | 6,221 |
| Return on assets (ROA) | 0.0139% | 6,235 |
| Pretax return on assets | 0.0139% | 6,214 |
| Return on Equity (ROE) | 0.1772% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.1772% | 5,903 |
| Net charge-offs to loans | 0.2307% | 3,989 |
| Credit loss provision to net charge-offs | 125.5034% | 2,557 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 4,963 |
| Efficiency ratio | 95.7433% | 835 |
| Assets per employee ($millions) | 5.0771% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 6,967 |
| Loan loss allowance to noncurrent loans | 237.8049% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 6,646 |
| Noncurrent loans to loans | 0.2932% | 6,260 |
| Net loans and leases to total assets | 54.7012% | 5,052 |
| Net loans and leases to deposits | 59.8718% | 5,644 |
| Net loans and leases to core deposits | 64.3007% | 5,587 |
| Total domestic deposits to total assets | 91.3638% | 328 |
| Equity capital to assets | 8.1392% | 6,611 |
| Core capital (leverage) ratio | 7.9177% | 6,471 |
| Tier 1 risk-based capital ratio | 16.0109% | 3,114 |
| Total risk-based capital ratio | 16.7909% | 3,324 |
| Memoranda: | ||
| Average total assets | $153,492,500 | 3,766 |
| Average earning assets | $146,348,500 | 3,657 |
| Average equity | $12,040,250 | 4,563 |
| Average total loans | $86,107,250 | 4,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 6,462 |
| Cost of funding earning assets | 1.4475% | 1,200 |
| Net interest margin | 2.6670% | 7,062 |
| Noninterest income to average assets | 0.1300% | 6,674 |
| Noninterest expense to average assets | 2.6487% | 5,012 |
| Loan and lease loss provision to assets | 0.1339% | 4,627 |
| Net operating income to assets | -0.1144% | 6,364 |
| Return on assets (ROA) | -0.0611% | 6,367 |
| Pretax return on assets | -0.0611% | 6,325 |
| Return on Equity (ROE) | -0.7885% | 6,381 |
| Retained earnings to average equity (ytd only) | -0.7885% | 6,013 |
| Net charge-offs to loans | 0.1152% | 4,551 |
| Credit loss provision to net charge-offs | 206.0000% | 1,462 |
| Earnings coverage of net charge-offs (x) | 0.3000% | 5,087 |
| Efficiency ratio | 99.2694% | 743 |
| Assets per employee ($millions) | 5.1347% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 7,022 |
| Loan loss allowance to noncurrent loans | 1,818.1818% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 6,393 |
| Noncurrent loans to loans | 0.0385% | 6,886 |
| Net loans and leases to total assets | 55.2405% | 5,114 |
| Net loans and leases to deposits | 60.1806% | 5,711 |
| Net loans and leases to core deposits | 64.9238% | 5,614 |
| Total domestic deposits to total assets | 91.7911% | 280 |
| Equity capital to assets | 7.7668% | 6,826 |
| Core capital (leverage) ratio | 7.7549% | 6,542 |
| Tier 1 risk-based capital ratio | 16.0587% | 2,952 |
| Total risk-based capital ratio | 16.8654% | 3,133 |
| Memoranda: | ||
| Average total assets | $153,885,670 | 3,781 |
| Average earning assets | $146,458,330 | 3,678 |
| Average equity | $11,921,330 | 4,574 |
| Average total loans | $86,842,330 | 4,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 6,374 |
| Cost of funding earning assets | 1.4484% | 1,393 |
| Net interest margin | 2.7090% | 7,004 |
| Noninterest income to average assets | 0.1508% | 6,648 |
| Noninterest expense to average assets | 2.7593% | 4,603 |
| Loan and lease loss provision to assets | 0.1378% | 4,288 |
| Net operating income to assets | -0.1586% | 6,517 |
| Return on assets (ROA) | -0.0702% | 6,446 |
| Pretax return on assets | -0.0702% | 6,424 |
| Return on Equity (ROE) | -0.9076% | 6,472 |
| Retained earnings to average equity (ytd only) | -0.9076% | 5,964 |
| Net charge-offs to loans | 0.1464% | 3,611 |
| Credit loss provision to net charge-offs | 165.6250% | 1,752 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 4,718 |
| Efficiency ratio | 100.7597% | 710 |
| Assets per employee ($millions) | 4.9605% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 7,142 |
| Loan loss allowance to noncurrent loans | 2,704.7619% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 6,457 |
| Noncurrent loans to loans | 0.0241% | 7,006 |
| Net loans and leases to total assets | 56.3369% | 4,938 |
| Net loans and leases to deposits | 61.3094% | 5,588 |
| Net loans and leases to core deposits | 66.3694% | 5,470 |
| Total domestic deposits to total assets | 91.8894% | 318 |
| Equity capital to assets | 7.6846% | 6,760 |
| Core capital (leverage) ratio | 7.7722% | 6,486 |
| Tier 1 risk-based capital ratio | 15.9252% | 2,937 |
| Total risk-based capital ratio | 16.6813% | 3,147 |
| Memoranda: | ||
| Average total assets | $153,808,000 | 3,815 |
| Average earning assets | $146,919,500 | 3,699 |
| Average equity | $11,900,000 | 4,574 |
| Average total loans | $87,417,000 | 4,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 6,851 |
| Cost of funding earning assets | 1.6678% | 1,743 |
| Net interest margin | 2.5894% | 7,212 |
| Noninterest income to average assets | 0.2272% | 6,181 |
| Noninterest expense to average assets | 2.6462% | 5,238 |
| Loan and lease loss provision to assets | 0.1581% | 5,626 |
| Net operating income to assets | -0.1076% | 6,005 |
| Return on assets (ROA) | -0.0884% | 6,039 |
| Pretax return on assets | -0.0884% | 5,989 |
| Return on Equity (ROE) | -1.3674% | 6,104 |
| Retained earnings to average equity (ytd only) | -1.3674% | 5,866 |
| Net charge-offs to loans | 0.2471% | 4,810 |
| Credit loss provision to net charge-offs | 106.7265% | 4,178 |
| Earnings coverage of net charge-offs (x) | 0.3408% | 5,764 |
| Efficiency ratio | 98.1276% | 864 |
| Assets per employee ($millions) | 5.3049% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 7,230 |
| Loan loss allowance to noncurrent loans | 193.9716% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 6,117 |
| Noncurrent loans to loans | 0.3218% | 6,406 |
| Net loans and leases to total assets | 56.6084% | 5,240 |
| Net loans and leases to deposits | 61.6689% | 5,878 |
| Net loans and leases to core deposits | 66.3181% | 5,843 |
| Total domestic deposits to total assets | 91.7941% | 327 |
| Equity capital to assets | 7.7892% | 6,679 |
| Core capital (leverage) ratio | 7.7898% | 6,448 |
| Tier 1 risk-based capital ratio | 15.8351% | 2,822 |
| Total risk-based capital ratio | 16.5579% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,519,400 | 3,863 |
| Average earning assets | $143,544,400 | 3,749 |
| Average equity | $9,726,400 | 5,203 |
| Average total loans | $90,230,200 | 4,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3007% | 6,963 |
| Cost of funding earning assets | 1.7195% | 1,775 |
| Net interest margin | 2.5812% | 7,327 |
| Noninterest income to average assets | 0.2458% | 6,134 |
| Noninterest expense to average assets | 2.6632% | 5,037 |
| Loan and lease loss provision to assets | 0.1363% | 5,664 |
| Net operating income to assets | -0.0935% | 6,177 |
| Return on assets (ROA) | -0.1229% | 6,300 |
| Pretax return on assets | -0.1229% | 6,250 |
| Return on Equity (ROE) | -2.0082% | 6,402 |
| Retained earnings to average equity (ytd only) | -2.0082% | 6,202 |
| Net charge-offs to loans | 0.2054% | 4,714 |
| Credit loss provision to net charge-offs | 109.2857% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.3429% | 5,681 |
| Efficiency ratio | 98.4200% | 807 |
| Assets per employee ($millions) | 5.1232% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 7,341 |
| Loan loss allowance to noncurrent loans | 634.8837% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 6,538 |
| Noncurrent loans to loans | 0.0958% | 6,995 |
| Net loans and leases to total assets | 58.0659% | 5,254 |
| Net loans and leases to deposits | 61.9327% | 6,123 |
| Net loans and leases to core deposits | 65.8207% | 6,142 |
| Total domestic deposits to total assets | 93.7565% | 74 |
| Equity capital to assets | 6.0203% | 7,487 |
| Core capital (leverage) ratio | 5.8026% | 7,458 |
| Tier 1 risk-based capital ratio | 11.6596% | 5,772 |
| Total risk-based capital ratio | 12.3763% | 6,255 |
| Memoranda: | ||
| Average total assets | $149,689,000 | 3,929 |
| Average earning assets | $142,671,000 | 3,821 |
| Average equity | $9,162,250 | 5,447 |
| Average total loans | $90,879,250 | 4,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 6,950 |
| Cost of funding earning assets | 1.7795% | 1,722 |
| Net interest margin | 2.5937% | 7,355 |
| Noninterest income to average assets | 0.2696% | 5,992 |
| Noninterest expense to average assets | 2.7003% | 4,905 |
| Loan and lease loss provision to assets | 0.1240% | 5,652 |
| Net operating income to assets | -0.0809% | 6,200 |
| Return on assets (ROA) | -0.1631% | 6,370 |
| Pretax return on assets | -0.1631% | 6,304 |
| Return on Equity (ROE) | -2.6500% | 6,482 |
| Retained earnings to average equity (ytd only) | -2.6500% | 6,247 |
| Net charge-offs to loans | 0.1556% | 4,702 |
| Credit loss provision to net charge-offs | 129.5775% | 3,104 |
| Earnings coverage of net charge-offs (x) | 0.4507% | 5,264 |
| Efficiency ratio | 98.4275% | 864 |
| Assets per employee ($millions) | 5.0253% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 7,404 |
| Loan loss allowance to noncurrent loans | 72.1354% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 6,183 |
| Noncurrent loans to loans | 0.8419% | 5,593 |
| Net loans and leases to total assets | 60.1401% | 5,030 |
| Net loans and leases to deposits | 64.2497% | 6,009 |
| Net loans and leases to core deposits | 67.7684% | 6,075 |
| Total domestic deposits to total assets | 93.6037% | 91 |
| Equity capital to assets | 6.1463% | 7,517 |
| Core capital (leverage) ratio | 5.9267% | 7,489 |
| Tier 1 risk-based capital ratio | 11.7072% | 5,577 |
| Total risk-based capital ratio | 12.4360% | 6,048 |
| Memoranda: | ||
| Average total assets | $148,353,330 | 3,986 |
| Average earning assets | $141,497,000 | 3,876 |
| Average equity | $9,132,000 | 5,465 |
| Average total loans | $91,242,000 | 4,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 7,007 |
| Cost of funding earning assets | 1.8706% | 1,568 |
| Net interest margin | 2.5208% | 7,457 |
| Noninterest income to average assets | 0.3398% | 5,425 |
| Noninterest expense to average assets | 2.7156% | 4,832 |
| Loan and lease loss provision to assets | 0.1115% | 5,500 |
| Net operating income to assets | -0.0843% | 6,421 |
| Return on assets (ROA) | -0.3289% | 6,743 |
| Pretax return on assets | -0.3289% | 6,665 |
| Return on Equity (ROE) | -5.3392% | 6,902 |
| Retained earnings to average equity (ytd only) | -5.3392% | 6,615 |
| Net charge-offs to loans | 0.0701% | 4,713 |
| Credit loss provision to net charge-offs | 256.2500% | 1,514 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 4,467 |
| Efficiency ratio | 99.0089% | 882 |
| Assets per employee ($millions) | 4.8981% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 7,481 |
| Loan loss allowance to noncurrent loans | 86.7807% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 6,375 |
| Noncurrent loans to loans | 0.7037% | 5,926 |
| Net loans and leases to total assets | 61.8019% | 4,799 |
| Net loans and leases to deposits | 66.0050% | 5,823 |
| Net loans and leases to core deposits | 69.2130% | 5,980 |
| Total domestic deposits to total assets | 93.6322% | 83 |
| Equity capital to assets | 6.1677% | 7,598 |
| Core capital (leverage) ratio | 6.0680% | 7,569 |
| Tier 1 risk-based capital ratio | 11.5333% | 5,643 |
| Total risk-based capital ratio | 12.2564% | 6,123 |
| Memoranda: | ||
| Average total assets | $147,151,000 | 4,059 |
| Average earning assets | $140,275,000 | 3,959 |
| Average equity | $9,065,000 | 5,527 |
| Average total loans | $91,253,000 | 4,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 7,060 |
| Cost of funding earning assets | 2.4527% | 1,146 |
| Net interest margin | 2.2938% | 7,599 |
| Noninterest income to average assets | 0.6724% | 3,136 |
| Noninterest expense to average assets | 3.1149% | 3,674 |
| Loan and lease loss provision to assets | 0.2227% | 5,581 |
| Net operating income to assets | -0.2995% | 5,970 |
| Return on assets (ROA) | -0.3759% | 6,043 |
| Pretax return on assets | -0.6338% | 6,127 |
| Return on Equity (ROE) | -5.5973% | 6,275 |
| Retained earnings to average equity (ytd only) | -5.5973% | 6,098 |
| Net charge-offs to loans | 0.0568% | 6,531 |
| Credit loss provision to net charge-offs | 621.5686% | 475 |
| Earnings coverage of net charge-offs (x) | -8.1373% | 7,153 |
| Efficiency ratio | 110.3285% | 791 |
| Assets per employee ($millions) | 4.6050% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 7,575 |
| Loan loss allowance to noncurrent loans | 720.2703% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 7,375 |
| Noncurrent loans to loans | 0.0812% | 7,206 |
| Net loans and leases to total assets | 61.4834% | 5,109 |
| Net loans and leases to deposits | 65.6123% | 6,096 |
| Net loans and leases to core deposits | 88.4509% | 5,278 |
| Total domestic deposits to total assets | 93.7072% | 88 |
| Equity capital to assets | 6.1530% | 7,643 |
| Core capital (leverage) ratio | 6.0816% | 7,617 |
| Tier 1 risk-based capital ratio | 11.3409% | 5,577 |
| Total risk-based capital ratio | 12.0163% | 6,116 |
| Memoranda: | ||
| Average total assets | $142,318,000 | 4,073 |
| Average earning assets | $133,445,600 | 4,022 |
| Average equity | $9,558,200 | 5,426 |
| Average total loans | $89,862,800 | 4,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 7,144 |
| Cost of funding earning assets | 2.5875% | 1,063 |
| Net interest margin | 2.2008% | 7,707 |
| Noninterest income to average assets | 0.8564% | 2,172 |
| Noninterest expense to average assets | 3.3120% | 2,868 |
| Loan and lease loss provision to assets | 0.3025% | 4,556 |
| Net operating income to assets | -0.3689% | 6,282 |
| Return on assets (ROA) | -0.3913% | 6,305 |
| Pretax return on assets | -0.7382% | 6,511 |
| Return on Equity (ROE) | -5.7018% | 6,524 |
| Retained earnings to average equity (ytd only) | -5.7018% | 6,351 |
| Net charge-offs to loans | 0.0521% | 6,187 |
| Credit loss provision to net charge-offs | 914.2857% | 407 |
| Earnings coverage of net charge-offs (x) | -12.1131% | 6,913 |
| Efficiency ratio | 113.7662% | 698 |
| Assets per employee ($millions) | 4.4405% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 7,700 |
| Loan loss allowance to noncurrent loans | 399.1304% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,356 |
| Noncurrent loans to loans | 0.1277% | 7,159 |
| Net loans and leases to total assets | 61.1444% | 5,397 |
| Net loans and leases to deposits | 65.5157% | 6,351 |
| Net loans and leases to core deposits | 87.0898% | 5,744 |
| Total domestic deposits to total assets | 93.3279% | 70 |
| Equity capital to assets | 6.3998% | 7,786 |
| Core capital (leverage) ratio | 6.2565% | 7,746 |
| Tier 1 risk-based capital ratio | 11.6188% | 5,320 |
| Total risk-based capital ratio | 12.2020% | 5,960 |
| Memoranda: | ||
| Average total assets | $141,057,500 | 4,114 |
| Average earning assets | $131,708,250 | 4,075 |
| Average equity | $9,681,000 | 5,433 |
| Average total loans | $89,544,750 | 4,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 7,394 |
| Cost of funding earning assets | 2.7789% | 833 |
| Net interest margin | 1.9184% | 7,906 |
| Noninterest income to average assets | 1.2138% | 1,055 |
| Noninterest expense to average assets | 3.6328% | 1,994 |
| Loan and lease loss provision to assets | 0.1436% | 5,635 |
| Net operating income to assets | -0.2785% | 6,302 |
| Return on assets (ROA) | -0.3088% | 6,349 |
| Pretax return on assets | -0.8360% | 6,705 |
| Return on Equity (ROE) | -4.3958% | 6,535 |
| Retained earnings to average equity (ytd only) | -4.3958% | 6,205 |
| Net charge-offs to loans | 0.0559% | 5,708 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | -17.9600% | 6,559 |
| Efficiency ratio | 121.5865% | 640 |
| Assets per employee ($millions) | 4.3248% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4401% | 7,860 |
| Loan loss allowance to noncurrent loans | 40.9651% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6825% | 5,709 |
| Noncurrent loans to loans | 1.0743% | 5,060 |
| Net loans and leases to total assets | 63.2471% | 5,137 |
| Net loans and leases to deposits | 67.9077% | 6,202 |
| Net loans and leases to core deposits | 88.1107% | 5,713 |
| Total domestic deposits to total assets | 93.1368% | 93 |
| Equity capital to assets | 6.6053% | 7,786 |
| Core capital (leverage) ratio | 6.5527% | 7,771 |
| Tier 1 risk-based capital ratio | 11.6303% | 5,260 |
| Total risk-based capital ratio | 12.1270% | 5,944 |
| Memoranda: | ||
| Average total assets | $139,231,670 | 4,187 |
| Average earning assets | $128,754,670 | 4,165 |
| Average equity | $9,782,000 | 5,427 |
| Average total loans | $89,374,000 | 4,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 7,241 |
| Cost of funding earning assets | 2.9081% | 754 |
| Net interest margin | 1.9633% | 7,909 |
| Noninterest income to average assets | 2.3042% | 281 |
| Noninterest expense to average assets | 4.8819% | 525 |
| Loan and lease loss provision to assets | 0.1746% | 4,715 |
| Net operating income to assets | 0.0644% | 6,084 |
| Return on assets (ROA) | 0.0029% | 6,394 |
| Pretax return on assets | -1.0648% | 7,182 |
| Return on Equity (ROE) | 0.0402% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0402% | 5,633 |
| Net charge-offs to loans | 0.1127% | 4,068 |
| Credit loss provision to net charge-offs | 240.0000% | 1,936 |
| Earnings coverage of net charge-offs (x) | -10.9200% | 5,624 |
| Efficiency ratio | 119.4306% | 642 |
| Assets per employee ($millions) | 4.2508% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3944% | 7,947 |
| Loan loss allowance to noncurrent loans | 44.7799% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 5,777 |
| Noncurrent loans to loans | 0.8809% | 5,249 |
| Net loans and leases to total assets | 64.0849% | 4,974 |
| Net loans and leases to deposits | 69.0358% | 6,072 |
| Net loans and leases to core deposits | 84.9503% | 5,984 |
| Total domestic deposits to total assets | 92.8285% | 97 |
| Equity capital to assets | 6.9241% | 7,712 |
| Core capital (leverage) ratio | 6.8278% | 7,749 |
| Tier 1 risk-based capital ratio | 12.9880% | 4,184 |
| Total risk-based capital ratio | 13.4716% | 4,683 |
| Memoranda: | ||
| Average total assets | $137,488,500 | 4,241 |
| Average earning assets | $124,892,000 | 4,268 |
| Average equity | $9,959,500 | 5,398 |
| Average total loans | $88,729,000 | 4,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 7,810 |
| Cost of funding earning assets | 3.1179% | 1,459 |
| Net interest margin | 1.9286% | 8,107 |
| Noninterest income to average assets | 0.1462% | 7,369 |
| Noninterest expense to average assets | 2.7188% | 5,180 |
| Loan and lease loss provision to assets | 1.0554% | 1,379 |
| Net operating income to assets | -1.6338% | 7,513 |
| Return on assets (ROA) | -1.6353% | 7,467 |
| Pretax return on assets | -1.8296% | 7,384 |
| Return on Equity (ROE) | -18.8463% | 7,736 |
| Retained earnings to average equity (ytd only) | -18.8463% | 7,651 |
| Net charge-offs to loans | 0.0183% | 6,611 |
| Credit loss provision to net charge-offs | 8,760.0000% | 68 |
| Earnings coverage of net charge-offs (x) | -64.1333% | 6,996 |
| Efficiency ratio | 139.7028% | 404 |
| Assets per employee ($millions) | 4.2093% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3715% | 8,020 |
| Loan loss allowance to noncurrent loans | 320.7921% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 7,271 |
| Noncurrent loans to loans | 0.1158% | 7,069 |
| Net loans and leases to total assets | 64.5001% | 5,174 |
| Net loans and leases to deposits | 69.8923% | 6,279 |
| Net loans and leases to core deposits | 84.7173% | 6,229 |
| Total domestic deposits to total assets | 92.2850% | 101 |
| Equity capital to assets | 7.5769% | 7,323 |
| Core capital (leverage) ratio | 7.4824% | 7,225 |
| Tier 1 risk-based capital ratio | 13.7724% | 3,659 |
| Total risk-based capital ratio | 14.2159% | 4,054 |
| Memoranda: | ||
| Average total assets | $124,505,400 | 4,406 |
| Average earning assets | $116,198,800 | 4,358 |
| Average equity | $10,803,200 | 5,184 |
| Average total loans | $82,052,800 | 4,450 |