Home > Roebling Bank > Performance and Condition Ratios
Roebling Bank, Performance and Condition Ratios
| 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 | 3.9136% | 4,426 |
| Cost of funding earning assets | 0.6812% | 2,214 |
| Net interest margin | 3.2324% | 4,830 |
| Noninterest income to average assets | 0.3107% | 5,221 |
| Noninterest expense to average assets | 3.0481% | 2,844 |
| Loan and lease loss provision to assets | -0.2579% | 6,810 |
| Net operating income to assets | 0.2415% | 5,797 |
| Return on assets (ROA) | 0.2398% | 5,922 |
| Pretax return on assets | 0.5893% | 5,054 |
| Return on Equity (ROE) | 2.5050% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.5050% | 4,705 |
| Net charge-offs to loans | -0.1541% | 6,600 |
| Credit loss provision to net charge-offs | 246.9136% | 1,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1258% | 1,049 |
| Assets per employee ($millions) | 3.9109% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,105 |
| Loan loss allowance to noncurrent loans | 91.9697% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 3,948 |
| Noncurrent loans to loans | 1.2818% | 3,412 |
| Net loans and leases to total assets | 68.4738% | 2,153 |
| Net loans and leases to deposits | 78.6981% | 2,496 |
| Net loans and leases to core deposits | 79.4000% | 3,106 |
| Total domestic deposits to total assets | 87.0081% | 2,819 |
| Equity capital to assets | 9.7977% | 4,186 |
| Core capital (leverage) ratio | 9.5695% | 4,126 |
| Tier 1 risk-based capital ratio | 16.2753% | 3,052 |
| Total risk-based capital ratio | 17.5275% | 3,002 |
| Memoranda: | ||
| Average total assets | $155,112,000 | 3,687 |
| Average earning assets | $147,381,670 | 3,607 |
| Average equity | $14,850,330 | 3,977 |
| Average total loans | $105,125,000 | 3,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 4,133 |
| Cost of funding earning assets | 0.7072% | 2,149 |
| Net interest margin | 3.2887% | 4,559 |
| Noninterest income to average assets | 0.3056% | 5,249 |
| Noninterest expense to average assets | 2.9780% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1920% | 5,919 |
| Return on assets (ROA) | 0.1920% | 6,029 |
| Pretax return on assets | 0.4521% | 5,406 |
| Return on Equity (ROE) | 2.0273% | 5,931 |
| Retained earnings to average equity (ytd only) | 2.0273% | 4,986 |
| Net charge-offs to loans | -0.0075% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8189% | 1,426 |
| Assets per employee ($millions) | 4.2057% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,874 |
| Loan loss allowance to noncurrent loans | 52.2709% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,809 |
| Noncurrent loans to loans | 2.4174% | 2,142 |
| Net loans and leases to total assets | 67.0366% | 2,185 |
| Net loans and leases to deposits | 77.2942% | 2,449 |
| Net loans and leases to core deposits | 77.8073% | 3,102 |
| Total domestic deposits to total assets | 86.7292% | 3,113 |
| Equity capital to assets | 9.6291% | 4,667 |
| Core capital (leverage) ratio | 9.1123% | 4,704 |
| Tier 1 risk-based capital ratio | 15.5697% | 3,490 |
| Total risk-based capital ratio | 16.8224% | 3,452 |
| Memoranda: | ||
| Average total assets | $158,360,000 | 3,680 |
| Average earning assets | $150,454,500 | 3,586 |
| Average equity | $14,995,000 | 3,998 |
| Average total loans | $106,199,000 | 3,379 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 5,195 |
| Cost of funding earning assets | 0.8268% | 2,445 |
| Net interest margin | 3.2113% | 5,542 |
| Noninterest income to average assets | 0.2860% | 5,428 |
| Noninterest expense to average assets | 3.0160% | 3,214 |
| Loan and lease loss provision to assets | 0.2148% | 2,987 |
| Net operating income to assets | 0.0405% | 6,100 |
| Return on assets (ROA) | 0.0405% | 6,242 |
| Pretax return on assets | 0.0921% | 6,172 |
| Return on Equity (ROE) | 0.4393% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.4393% | 5,636 |
| Net charge-offs to loans | 0.0834% | 4,844 |
| Credit loss provision to net charge-offs | 384.6154% | 628 |
| Earnings coverage of net charge-offs (x) | 5.4945% | 3,022 |
| Efficiency ratio | 90.7647% | 1,007 |
| Assets per employee ($millions) | 4.0277% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,882 |
| Loan loss allowance to noncurrent loans | 76.6532% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 3,865 |
| Noncurrent loans to loans | 1.6291% | 3,185 |
| Net loans and leases to total assets | 65.4300% | 2,627 |
| Net loans and leases to deposits | 77.8048% | 2,562 |
| Net loans and leases to core deposits | 78.9155% | 3,152 |
| Total domestic deposits to total assets | 84.0951% | 4,274 |
| Equity capital to assets | 9.3142% | 5,134 |
| Core capital (leverage) ratio | 8.7499% | 5,256 |
| Tier 1 risk-based capital ratio | 15.1505% | 3,637 |
| Total risk-based capital ratio | 16.4028% | 3,583 |
| Memoranda: | ||
| Average total assets | $162,931,000 | 3,571 |
| Average earning assets | $154,081,600 | 3,482 |
| Average equity | $15,024,200 | 3,963 |
| Average total loans | $109,151,600 | 3,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 5,331 |
| Cost of funding earning assets | 0.8450% | 2,586 |
| Net interest margin | 3.2148% | 5,662 |
| Noninterest income to average assets | 0.1493% | 6,404 |
| Noninterest expense to average assets | 2.9084% | 3,562 |
| Loan and lease loss provision to assets | 0.2856% | 2,285 |
| Net operating income to assets | 0.0106% | 6,263 |
| Return on assets (ROA) | 0.0106% | 6,393 |
| Pretax return on assets | -0.0082% | 6,400 |
| Return on Equity (ROE) | 0.1153% | 6,390 |
| Retained earnings to average equity (ytd only) | 0.1153% | 6,036 |
| Net charge-offs to loans | 0.1142% | 4,244 |
| Credit loss provision to net charge-offs | 372.3404% | 726 |
| Earnings coverage of net charge-offs (x) | 3.6170% | 3,575 |
| Efficiency ratio | 91.2910% | 939 |
| Assets per employee ($millions) | 4.0448% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 5,098 |
| Loan loss allowance to noncurrent loans | 76.8786% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 3,609 |
| Noncurrent loans to loans | 1.6118% | 3,370 |
| Net loans and leases to total assets | 65.5164% | 2,735 |
| Net loans and leases to deposits | 80.8353% | 2,270 |
| Net loans and leases to core deposits | 82.1974% | 2,939 |
| Total domestic deposits to total assets | 81.0492% | 5,335 |
| Equity capital to assets | 9.3255% | 5,439 |
| Core capital (leverage) ratio | 8.7254% | 5,436 |
| Tier 1 risk-based capital ratio | 15.0974% | 3,775 |
| Total risk-based capital ratio | 16.3502% | 3,728 |
| Memoranda: | ||
| Average total assets | $163,386,750 | 3,593 |
| Average earning assets | $154,323,000 | 3,515 |
| Average equity | $15,028,750 | 3,993 |
| Average total loans | $109,753,000 | 3,328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0831% | 5,382 |
| Cost of funding earning assets | 0.8722% | 2,643 |
| Net interest margin | 3.2109% | 5,703 |
| Noninterest income to average assets | 0.0525% | 6,847 |
| Noninterest expense to average assets | 2.8954% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1281% | 6,095 |
| Return on assets (ROA) | 0.1281% | 6,259 |
| Pretax return on assets | 0.1891% | 6,165 |
| Return on Equity (ROE) | 1.3992% | 6,216 |
| Retained earnings to average equity (ytd only) | 1.3992% | 5,494 |
| Net charge-offs to loans | 0.1447% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.9375% | 4,010 |
| Efficiency ratio | 93.8687% | 807 |
| Assets per employee ($millions) | 3.8957% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,444 |
| Loan loss allowance to noncurrent loans | 49.4281% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 3,447 |
| Noncurrent loans to loans | 1.8261% | 3,181 |
| Net loans and leases to total assets | 66.6968% | 2,526 |
| Net loans and leases to deposits | 79.3229% | 2,478 |
| Net loans and leases to core deposits | 80.7425% | 3,125 |
| Total domestic deposits to total assets | 84.0827% | 4,287 |
| Equity capital to assets | 9.2409% | 5,415 |
| Core capital (leverage) ratio | 8.7046% | 5,375 |
| Tier 1 risk-based capital ratio | 15.0500% | 3,736 |
| Total risk-based capital ratio | 16.1113% | 3,814 |
| Memoranda: | ||
| Average total assets | $163,918,000 | 3,598 |
| Average earning assets | $154,784,330 | 3,524 |
| Average equity | $15,009,000 | 3,984 |
| Average total loans | $110,560,330 | 3,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 5,290 |
| Cost of funding earning assets | 0.9097% | 2,613 |
| Net interest margin | 3.2358% | 5,681 |
| Noninterest income to average assets | -0.1975% | 7,197 |
| Noninterest expense to average assets | 2.8696% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0073% | 6,401 |
| Return on assets (ROA) | 0.0073% | 6,509 |
| Pretax return on assets | -0.0146% | 6,546 |
| Return on Equity (ROE) | 0.0802% | 6,510 |
| Retained earnings to average equity (ytd only) | 0.0802% | 5,951 |
| Net charge-offs to loans | 0.3105% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.0698% | 4,399 |
| Efficiency ratio | 100.5124% | 536 |
| Assets per employee ($millions) | 4.1972% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 6,546 |
| Loan loss allowance to noncurrent loans | 77.3688% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 4,388 |
| Noncurrent loans to loans | 1.1571% | 4,394 |
| Net loans and leases to total assets | 66.8163% | 2,329 |
| Net loans and leases to deposits | 81.6552% | 1,979 |
| Net loans and leases to core deposits | 83.3356% | 2,633 |
| Total domestic deposits to total assets | 81.8275% | 5,354 |
| Equity capital to assets | 9.1379% | 5,310 |
| Core capital (leverage) ratio | 8.6279% | 5,406 |
| Tier 1 risk-based capital ratio | 14.8653% | 3,849 |
| Total risk-based capital ratio | 15.9155% | 3,938 |
| Memoranda: | ||
| Average total assets | $164,066,500 | 3,620 |
| Average earning assets | $154,768,500 | 3,538 |
| Average equity | $14,953,500 | 4,003 |
| Average total loans | $110,778,500 | 3,335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 5,574 |
| Cost of funding earning assets | 1.0848% | 2,771 |
| Net interest margin | 3.2749% | 5,887 |
| Noninterest income to average assets | 0.2353% | 5,852 |
| Noninterest expense to average assets | 3.0677% | 3,323 |
| Loan and lease loss provision to assets | -0.1213% | 7,286 |
| Net operating income to assets | 0.2419% | 5,452 |
| Return on assets (ROA) | 0.2419% | 5,598 |
| Pretax return on assets | 0.3808% | 5,351 |
| Return on Equity (ROE) | 2.7359% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.7359% | 4,289 |
| Net charge-offs to loans | -0.0215% | 6,965 |
| Credit loss provision to net charge-offs | 833.3333% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1997% | 1,028 |
| Assets per employee ($millions) | 4.1110% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,346 |
| Loan loss allowance to noncurrent loans | 118.9369% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 4,005 |
| Noncurrent loans to loans | 0.8121% | 5,071 |
| Net loans and leases to total assets | 66.9675% | 2,593 |
| Net loans and leases to deposits | 80.4497% | 2,437 |
| Net loans and leases to core deposits | 82.0661% | 3,166 |
| Total domestic deposits to total assets | 83.2414% | 4,652 |
| Equity capital to assets | 9.0908% | 5,424 |
| Core capital (leverage) ratio | 8.5838% | 5,427 |
| Tier 1 risk-based capital ratio | 14.5243% | 3,959 |
| Total risk-based capital ratio | 15.6403% | 4,020 |
| Memoranda: | ||
| Average total assets | $164,911,200 | 3,570 |
| Average earning assets | $155,697,600 | 3,479 |
| Average equity | $14,583,800 | 3,993 |
| Average total loans | $111,598,800 | 3,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 5,600 |
| Cost of funding earning assets | 1.1092% | 2,916 |
| Net interest margin | 3.2917% | 5,883 |
| Noninterest income to average assets | 0.2319% | 5,961 |
| Noninterest expense to average assets | 3.1250% | 3,074 |
| Loan and lease loss provision to assets | -0.1616% | 7,377 |
| Net operating income to assets | 0.2375% | 5,597 |
| Return on assets (ROA) | 0.2375% | 5,738 |
| Pretax return on assets | 0.3757% | 5,540 |
| Return on Equity (ROE) | 2.7048% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.7048% | 4,737 |
| Net charge-offs to loans | -0.0489% | 7,047 |
| Credit loss provision to net charge-offs | 487.8049% | 569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5882% | 941 |
| Assets per employee ($millions) | 4.3123% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,304 |
| Loan loss allowance to noncurrent loans | 162.1100% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 4,036 |
| Noncurrent loans to loans | 0.6135% | 5,667 |
| Net loans and leases to total assets | 66.2826% | 2,831 |
| Net loans and leases to deposits | 76.8800% | 3,183 |
| Net loans and leases to core deposits | 78.8301% | 3,789 |
| Total domestic deposits to total assets | 86.2157% | 3,083 |
| Equity capital to assets | 9.0506% | 5,689 |
| Core capital (leverage) ratio | 8.5469% | 5,643 |
| Tier 1 risk-based capital ratio | 14.4020% | 4,049 |
| Total risk-based capital ratio | 15.5349% | 4,099 |
| Memoranda: | ||
| Average total assets | $165,028,750 | 3,590 |
| Average earning assets | $155,782,750 | 3,506 |
| Average equity | $14,492,500 | 4,034 |
| Average total loans | $111,699,500 | 3,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 5,585 |
| Cost of funding earning assets | 1.1167% | 3,114 |
| Net interest margin | 3.3156% | 5,813 |
| Noninterest income to average assets | 0.2503% | 5,861 |
| Noninterest expense to average assets | 2.9671% | 3,768 |
| Loan and lease loss provision to assets | 0.1028% | 5,029 |
| Net operating income to assets | 0.2104% | 5,706 |
| Return on assets (ROA) | 0.2104% | 5,823 |
| Pretax return on assets | 0.3107% | 5,646 |
| Return on Equity (ROE) | 2.4201% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.4201% | 4,750 |
| Net charge-offs to loans | 0.3631% | 3,101 |
| Credit loss provision to net charge-offs | 41.6667% | 4,783 |
| Earnings coverage of net charge-offs (x) | 1.6765% | 4,032 |
| Efficiency ratio | 87.7682% | 1,437 |
| Assets per employee ($millions) | 4.1224% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,239 |
| Loan loss allowance to noncurrent loans | 61.4340% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 3,520 |
| Noncurrent loans to loans | 1.6649% | 3,926 |
| Net loans and leases to total assets | 66.3736% | 2,951 |
| Net loans and leases to deposits | 80.0743% | 2,778 |
| Net loans and leases to core deposits | 82.1694% | 3,473 |
| Total domestic deposits to total assets | 82.8899% | 4,807 |
| Equity capital to assets | 8.8225% | 5,794 |
| Core capital (leverage) ratio | 8.5391% | 5,494 |
| Tier 1 risk-based capital ratio | 14.4285% | 3,844 |
| Total risk-based capital ratio | 15.5955% | 3,878 |
| Memoranda: | ||
| Average total assets | $165,415,670 | 3,604 |
| Average earning assets | $156,169,330 | 3,522 |
| Average equity | $14,379,670 | 4,045 |
| Average total loans | $112,363,670 | 3,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 5,575 |
| Cost of funding earning assets | 1.1267% | 3,316 |
| Net interest margin | 3.3060% | 5,756 |
| Noninterest income to average assets | 0.2608% | 5,799 |
| Noninterest expense to average assets | 2.7813% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3984% | 4,955 |
| Return on assets (ROA) | 0.3984% | 5,048 |
| Pretax return on assets | 0.6036% | 4,670 |
| Return on Equity (ROE) | 4.6168% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6168% | 3,419 |
| Net charge-offs to loans | 0.1589% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 2,259 |
| Efficiency ratio | 82.1683% | 2,202 |
| Assets per employee ($millions) | 4.1521% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 6,171 |
| Loan loss allowance to noncurrent loans | 39.1870% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,861 |
| Noncurrent loans to loans | 2.7225% | 2,776 |
| Net loans and leases to total assets | 67.2818% | 2,697 |
| Net loans and leases to deposits | 79.6140% | 2,786 |
| Net loans and leases to core deposits | 81.6357% | 3,510 |
| Total domestic deposits to total assets | 84.5101% | 4,263 |
| Equity capital to assets | 8.6457% | 5,721 |
| Core capital (leverage) ratio | 8.4498% | 5,548 |
| Tier 1 risk-based capital ratio | 14.0960% | 4,006 |
| Total risk-based capital ratio | 15.3127% | 4,009 |
| Memoranda: | ||
| Average total assets | $165,675,000 | 3,626 |
| Average earning assets | $156,562,500 | 3,536 |
| Average equity | $14,295,500 | 4,049 |
| Average total loans | $113,256,000 | 3,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,464 |
| Cost of funding earning assets | 1.3533% | 3,547 |
| Net interest margin | 3.4336% | 5,503 |
| Noninterest income to average assets | 0.2292% | 6,163 |
| Noninterest expense to average assets | 3.0560% | 3,642 |
| Loan and lease loss provision to assets | 0.4327% | 3,526 |
| Net operating income to assets | -0.0072% | 5,848 |
| Return on assets (ROA) | -0.0072% | 5,969 |
| Pretax return on assets | -0.0430% | 5,950 |
| Return on Equity (ROE) | -0.0839% | 5,973 |
| Retained earnings to average equity (ytd only) | -0.0839% | 5,613 |
| Net charge-offs to loans | 0.6929% | 2,929 |
| Credit loss provision to net charge-offs | 90.9661% | 5,084 |
| Earnings coverage of net charge-offs (x) | 0.8193% | 5,310 |
| Efficiency ratio | 88.6887% | 1,426 |
| Assets per employee ($millions) | 4.2376% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,949 |
| Loan loss allowance to noncurrent loans | 35.8989% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 2.3199% | 2,944 |
| Noncurrent loans to loans | 3.0661% | 2,489 |
| Net loans and leases to total assets | 67.9587% | 2,994 |
| Net loans and leases to deposits | 80.1430% | 3,148 |
| Net loans and leases to core deposits | 82.1754% | 3,884 |
| Total domestic deposits to total assets | 84.7968% | 3,947 |
| Equity capital to assets | 8.6115% | 5,705 |
| Core capital (leverage) ratio | 8.3875% | 5,562 |
| Tier 1 risk-based capital ratio | 13.8578% | 3,961 |
| Total risk-based capital ratio | 15.1076% | 3,944 |
| Memoranda: | ||
| Average total assets | $167,538,400 | 3,583 |
| Average earning assets | $156,949,200 | 3,506 |
| Average equity | $14,302,400 | 4,073 |
| Average total loans | $115,031,600 | 3,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 5,428 |
| Cost of funding earning assets | 1.3940% | 3,618 |
| Net interest margin | 3.4685% | 5,420 |
| Noninterest income to average assets | 0.2141% | 6,381 |
| Noninterest expense to average assets | 3.1511% | 3,107 |
| Loan and lease loss provision to assets | 0.5354% | 2,797 |
| Net operating income to assets | -0.1190% | 6,205 |
| Return on assets (ROA) | -0.1190% | 6,293 |
| Pretax return on assets | -0.2300% | 6,343 |
| Return on Equity (ROE) | -1.3966% | 6,326 |
| Retained earnings to average equity (ytd only) | -1.3966% | 6,081 |
| Net charge-offs to loans | 0.8088% | 2,430 |
| Credit loss provision to net charge-offs | 96.4286% | 4,495 |
| Earnings coverage of net charge-offs (x) | 0.5500% | 5,476 |
| Efficiency ratio | 91.1657% | 1,200 |
| Assets per employee ($millions) | 4.2758% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,732 |
| Loan loss allowance to noncurrent loans | 43.2333% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2482% | 3,137 |
| Noncurrent loans to loans | 2.6487% | 2,981 |
| Net loans and leases to total assets | 67.1448% | 3,426 |
| Net loans and leases to deposits | 79.5973% | 3,524 |
| Net loans and leases to core deposits | 80.6947% | 4,421 |
| Total domestic deposits to total assets | 84.3556% | 3,937 |
| Equity capital to assets | 8.5898% | 6,170 |
| Core capital (leverage) ratio | 8.2441% | 5,967 |
| Tier 1 risk-based capital ratio | 13.6464% | 4,083 |
| Total risk-based capital ratio | 14.8973% | 4,035 |
| Memoranda: | ||
| Average total assets | $168,106,000 | 3,616 |
| Average earning assets | $157,144,250 | 3,547 |
| Average equity | $14,320,000 | 4,128 |
| Average total loans | $115,398,500 | 3,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 5,329 |
| Cost of funding earning assets | 1.4274% | 3,697 |
| Net interest margin | 3.4870% | 5,296 |
| Noninterest income to average assets | 0.1863% | 6,573 |
| Noninterest expense to average assets | 3.1455% | 3,118 |
| Loan and lease loss provision to assets | 0.5636% | 2,518 |
| Net operating income to assets | -0.1471% | 6,288 |
| Return on assets (ROA) | -0.1471% | 6,354 |
| Pretax return on assets | -0.2765% | 6,400 |
| Return on Equity (ROE) | -1.7320% | 6,398 |
| Retained earnings to average equity (ytd only) | -1.7320% | 6,106 |
| Net charge-offs to loans | 0.6735% | 2,535 |
| Credit loss provision to net charge-offs | 121.4834% | 3,338 |
| Earnings coverage of net charge-offs (x) | 0.6189% | 5,123 |
| Efficiency ratio | 91.6350% | 1,211 |
| Assets per employee ($millions) | 4.1795% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,314 |
| Loan loss allowance to noncurrent loans | 46.8198% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 2.4692% | 2,911 |
| Noncurrent loans to loans | 2.6204% | 3,020 |
| Net loans and leases to total assets | 67.7095% | 3,453 |
| Net loans and leases to deposits | 81.2093% | 3,398 |
| Net loans and leases to core deposits | 82.3783% | 4,360 |
| Total domestic deposits to total assets | 83.3765% | 4,402 |
| Equity capital to assets | 8.5986% | 6,017 |
| Core capital (leverage) ratio | 8.2338% | 5,887 |
| Tier 1 risk-based capital ratio | 13.4917% | 4,073 |
| Total risk-based capital ratio | 14.7431% | 4,038 |
| Memoranda: | ||
| Average total assets | $168,556,000 | 3,625 |
| Average earning assets | $156,926,000 | 3,576 |
| Average equity | $14,318,670 | 4,133 |
| Average total loans | $116,109,670 | 3,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 5,074 |
| Cost of funding earning assets | 1.4653% | 3,775 |
| Net interest margin | 3.5217% | 5,078 |
| Noninterest income to average assets | 0.1324% | 7,026 |
| Noninterest expense to average assets | 3.3041% | 2,522 |
| Loan and lease loss provision to assets | 0.7681% | 1,650 |
| Net operating income to assets | -0.3852% | 6,748 |
| Return on assets (ROA) | -0.3852% | 6,788 |
| Pretax return on assets | -0.6736% | 6,885 |
| Return on Equity (ROE) | -4.5625% | 6,860 |
| Retained earnings to average equity (ytd only) | -4.5625% | 6,553 |
| Net charge-offs to loans | 1.1124% | 1,512 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.1231% | 4,921 |
| Efficiency ratio | 97.2184% | 958 |
| Assets per employee ($millions) | 4.0113% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,817 |
| Loan loss allowance to noncurrent loans | 40.3049% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 2,687 |
| Noncurrent loans to loans | 2.8321% | 2,837 |
| Net loans and leases to total assets | 67.9596% | 3,398 |
| Net loans and leases to deposits | 83.8490% | 2,963 |
| Net loans and leases to core deposits | 85.0910% | 4,035 |
| Total domestic deposits to total assets | 81.0500% | 5,444 |
| Equity capital to assets | 8.4196% | 6,129 |
| Core capital (leverage) ratio | 8.1275% | 6,026 |
| Tier 1 risk-based capital ratio | 13.0684% | 4,285 |
| Total risk-based capital ratio | 14.3180% | 4,258 |
| Memoranda: | ||
| Average total assets | $169,244,500 | 3,672 |
| Average earning assets | $156,969,500 | 3,627 |
| Average equity | $14,290,500 | 4,166 |
| Average total loans | $116,863,500 | 3,522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 5,315 |
| Cost of funding earning assets | 1.8764% | 3,587 |
| Net interest margin | 3.3956% | 5,383 |
| Noninterest income to average assets | 0.2704% | 6,185 |
| Noninterest expense to average assets | 3.0536% | 3,932 |
| Loan and lease loss provision to assets | 2.1023% | 1,006 |
| Net operating income to assets | -1.0041% | 6,579 |
| Return on assets (ROA) | -0.9484% | 6,539 |
| Pretax return on assets | -1.5954% | 6,755 |
| Return on Equity (ROE) | -11.7222% | 6,751 |
| Retained earnings to average equity (ytd only) | -11.7222% | 6,661 |
| Net charge-offs to loans | 2.6399% | 853 |
| Credit loss provision to net charge-offs | 114.9792% | 4,752 |
| Earnings coverage of net charge-offs (x) | 0.2296% | 5,900 |
| Efficiency ratio | 87.9119% | 1,890 |
| Assets per employee ($millions) | 4.3593% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,801 |
| Loan loss allowance to noncurrent loans | 26.5249% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 3.8638% | 1,722 |
| Noncurrent loans to loans | 4.2270% | 1,720 |
| Net loans and leases to total assets | 68.5755% | 3,577 |
| Net loans and leases to deposits | 84.0262% | 3,266 |
| Net loans and leases to core deposits | 94.8610% | 4,580 |
| Total domestic deposits to total assets | 81.6121% | 5,105 |
| Equity capital to assets | 8.4675% | 5,935 |
| Core capital (leverage) ratio | 8.1470% | 5,918 |
| Tier 1 risk-based capital ratio | 12.8306% | 4,261 |
| Total risk-based capital ratio | 14.0646% | 4,224 |
| Memoranda: | ||
| Average total assets | $171,241,800 | 3,590 |
| Average earning assets | $161,532,400 | 3,488 |
| Average equity | $13,854,000 | 4,298 |
| Average total loans | $118,601,800 | 3,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 5,402 |
| Cost of funding earning assets | 1.9510% | 3,615 |
| Net interest margin | 3.3529% | 5,432 |
| Noninterest income to average assets | 0.2915% | 6,148 |
| Noninterest expense to average assets | 3.1228% | 3,570 |
| Loan and lease loss provision to assets | 2.4677% | 674 |
| Net operating income to assets | -1.2718% | 7,002 |
| Return on assets (ROA) | -1.1977% | 6,962 |
| Pretax return on assets | -2.0083% | 7,188 |
| Return on Equity (ROE) | -14.9770% | 7,188 |
| Retained earnings to average equity (ytd only) | -14.9770% | 7,131 |
| Net charge-offs to loans | 2.8558% | 611 |
| Credit loss provision to net charge-offs | 124.8035% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.1737% | 5,851 |
| Efficiency ratio | 90.0897% | 1,682 |
| Assets per employee ($millions) | 4.3086% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,917 |
| Loan loss allowance to noncurrent loans | 27.3397% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 3.8475% | 1,677 |
| Noncurrent loans to loans | 4.5266% | 1,537 |
| Net loans and leases to total assets | 68.7166% | 3,794 |
| Net loans and leases to deposits | 82.7793% | 3,873 |
| Net loans and leases to core deposits | 93.0490% | 5,129 |
| Total domestic deposits to total assets | 83.0119% | 4,215 |
| Equity capital to assets | 8.4041% | 6,378 |
| Core capital (leverage) ratio | 8.0817% | 6,213 |
| Tier 1 risk-based capital ratio | 12.8880% | 4,275 |
| Total risk-based capital ratio | 14.1376% | 4,206 |
| Memoranda: | ||
| Average total assets | $171,548,750 | 3,601 |
| Average earning assets | $162,440,750 | 3,504 |
| Average equity | $13,718,500 | 4,358 |
| Average total loans | $118,774,750 | 3,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 5,456 |
| Cost of funding earning assets | 1.9804% | 3,870 |
| Net interest margin | 3.3581% | 5,327 |
| Noninterest income to average assets | 0.2884% | 6,205 |
| Noninterest expense to average assets | 2.8888% | 4,543 |
| Loan and lease loss provision to assets | 2.1894% | 729 |
| Net operating income to assets | -0.9591% | 6,945 |
| Return on assets (ROA) | -0.8477% | 6,872 |
| Pretax return on assets | -1.4280% | 7,053 |
| Return on Equity (ROE) | -10.7849% | 7,097 |
| Retained earnings to average equity (ytd only) | -10.7849% | 6,958 |
| Net charge-offs to loans | 1.8278% | 1,036 |
| Credit loss provision to net charge-offs | 173.2902% | 2,654 |
| Earnings coverage of net charge-offs (x) | 0.4649% | 5,236 |
| Efficiency ratio | 83.1038% | 2,591 |
| Assets per employee ($millions) | 4.0590% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,001 |
| Loan loss allowance to noncurrent loans | 24.5232% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 4.0210% | 1,470 |
| Noncurrent loans to loans | 5.4912% | 1,061 |
| Net loans and leases to total assets | 69.0899% | 3,923 |
| Net loans and leases to deposits | 82.8104% | 4,082 |
| Net loans and leases to core deposits | 93.3516% | 5,192 |
| Total domestic deposits to total assets | 83.4314% | 4,048 |
| Equity capital to assets | 7.5343% | 7,232 |
| Core capital (leverage) ratio | 7.2803% | 7,268 |
| Tier 1 risk-based capital ratio | 11.6145% | 5,271 |
| Total risk-based capital ratio | 12.8644% | 5,207 |
| Memoranda: | ||
| Average total assets | $171,283,670 | 3,615 |
| Average earning assets | $162,591,670 | 3,515 |
| Average equity | $13,463,330 | 4,430 |
| Average total loans | $118,395,330 | 3,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 5,428 |
| Cost of funding earning assets | 2.0012% | 4,120 |
| Net interest margin | 3.3990% | 5,143 |
| Noninterest income to average assets | 0.2641% | 6,338 |
| Noninterest expense to average assets | 2.7632% | 4,728 |
| Loan and lease loss provision to assets | 2.4166% | 482 |
| Net operating income to assets | -1.0099% | 7,261 |
| Return on assets (ROA) | -0.7851% | 7,152 |
| Pretax return on assets | -1.3368% | 7,317 |
| Return on Equity (ROE) | -9.7797% | 7,348 |
| Retained earnings to average equity (ytd only) | -9.7797% | 7,087 |
| Net charge-offs to loans | 2.5550% | 539 |
| Credit loss provision to net charge-offs | 137.7688% | 2,945 |
| Earnings coverage of net charge-offs (x) | 0.4153% | 4,657 |
| Efficiency ratio | 79.1357% | 2,975 |
| Assets per employee ($millions) | 3.8204% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,589 |
| Loan loss allowance to noncurrent loans | 22.2135% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 3.1474% | 1,784 |
| Noncurrent loans to loans | 4.2002% | 1,413 |
| Net loans and leases to total assets | 70.0390% | 3,659 |
| Net loans and leases to deposits | 89.1126% | 3,087 |
| Net loans and leases to core deposits | 101.6873% | 4,379 |
| Total domestic deposits to total assets | 78.5961% | 5,843 |
| Equity capital to assets | 7.8712% | 6,984 |
| Core capital (leverage) ratio | 7.6423% | 6,969 |
| Tier 1 risk-based capital ratio | 12.0396% | 4,931 |
| Total risk-based capital ratio | 13.0856% | 5,000 |
| Memoranda: | ||
| Average total assets | $169,658,000 | 3,653 |
| Average earning assets | $161,107,000 | 3,550 |
| Average equity | $13,620,000 | 4,419 |
| Average total loans | $116,477,000 | 3,638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8269% | 6,352 |
| Cost of funding earning assets | 2.1789% | 5,686 |
| Net interest margin | 3.6480% | 4,689 |
| Noninterest income to average assets | 0.2773% | 6,475 |
| Noninterest expense to average assets | 3.0231% | 3,995 |
| Loan and lease loss provision to assets | 0.2091% | 4,803 |
| Net operating income to assets | 0.3268% | 5,459 |
| Return on assets (ROA) | 0.3268% | 5,281 |
| Pretax return on assets | 0.5070% | 4,954 |
| Return on Equity (ROE) | 3.8578% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.8578% | 2,728 |
| Net charge-offs to loans | 0.2210% | 4,018 |
| Credit loss provision to net charge-offs | 133.1967% | 3,997 |
| Earnings coverage of net charge-offs (x) | 4.5615% | 3,934 |
| Efficiency ratio | 80.8500% | 2,475 |
| Assets per employee ($millions) | 3.6391% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 7,219 |
| Loan loss allowance to noncurrent loans | 62.3538% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 4,331 |
| Noncurrent loans to loans | 1.2279% | 4,057 |
| Net loans and leases to total assets | 66.0446% | 4,838 |
| Net loans and leases to deposits | 82.4106% | 4,660 |
| Net loans and leases to core deposits | 93.8435% | 5,461 |
| Total domestic deposits to total assets | 80.1409% | 4,966 |
| Equity capital to assets | 8.1888% | 6,568 |
| Core capital (leverage) ratio | 8.0282% | 6,444 |
| Tier 1 risk-based capital ratio | 12.8865% | 4,170 |
| Total risk-based capital ratio | 13.7089% | 4,363 |
| Memoranda: | ||
| Average total assets | $155,436,200 | 3,794 |
| Average earning assets | $147,505,600 | 3,698 |
| Average equity | $13,168,000 | 4,527 |
| Average total loans | $110,413,600 | 3,668 |