Home > Saddle River Valley Bank > Performance and Condition Ratios
Saddle River Valley Bank, Performance and Condition Ratios
| 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 | 0.2129% | 6,800 |
| Cost of funding earning assets | 0.0710% | 6,725 |
| Net interest margin | 0.1420% | 6,801 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 138.3159% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -138.1929% | 6,812 |
| Return on assets (ROA) | -138.1929% | 6,812 |
| Pretax return on assets | -138.1929% | 6,812 |
| Return on Equity (ROE) | -146.0127% | 6,810 |
| Retained earnings to average equity (ytd only) | -146.0127% | 6,810 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112,475.0000% | 1 |
| Assets per employee ($millions) | 0.2590% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,820 |
| Equity capital to assets | 100.0000% | 1 |
| Core capital (leverage) ratio | 100.0000% | 2 |
| Tier 1 risk-based capital ratio | 479.6296% | 7 |
| Total risk-based capital ratio | 479.6296% | 7 |
| Memoranda: | ||
| Average total assets | $6,505,400 | 6,811 |
| Average earning assets | $5,635,400 | 6,797 |
| Average equity | $6,157,000 | 5,774 |
| Average total loans | $261,000 | 6,775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2271% | 6,880 |
| Cost of funding earning assets | 0.0757% | 6,805 |
| Net interest margin | 0.1515% | 6,879 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 147.4944% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -147.3621% | 6,891 |
| Return on assets (ROA) | -147.3621% | 6,891 |
| Pretax return on assets | -147.3621% | 6,891 |
| Return on Equity (ROE) | -155.7715% | 6,890 |
| Retained earnings to average equity (ytd only) | -155.7715% | 6,890 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111,550.0000% | 1 |
| Assets per employee ($millions) | 1.1030% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,897 |
| Equity capital to assets | 99.6374% | 1 |
| Core capital (leverage) ratio | 99.6374% | 1 |
| Tier 1 risk-based capital ratio | 490.6250% | 5 |
| Total risk-based capital ratio | 490.6250% | 5 |
| Memoranda: | ||
| Average total assets | $8,067,000 | 6,885 |
| Average earning assets | $7,044,250 | 6,874 |
| Average equity | $7,631,500 | 5,488 |
| Average total loans | $326,250 | 6,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1916% | 6,933 |
| Cost of funding earning assets | 0.0426% | 6,887 |
| Net interest margin | 0.1491% | 6,930 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 7.7202% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -7.5854% | 6,935 |
| Return on assets (ROA) | -7.5854% | 6,934 |
| Pretax return on assets | -7.5854% | 6,935 |
| Return on Equity (ROE) | -8.0334% | 6,710 |
| Retained earnings to average equity (ytd only) | -8.0334% | 6,613 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,728.5714% | 1 |
| Assets per employee ($millions) | 10.2230% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 4.2551% | 6,895 |
| Net loans and leases to deposits | 87.0000% | 1,461 |
| Net loans and leases to core deposits | 87.0000% | 2,230 |
| Total domestic deposits to total assets | 4.8909% | 6,922 |
| Equity capital to assets | 94.1113% | 6 |
| Core capital (leverage) ratio | 94.1113% | 5 |
| Tier 1 risk-based capital ratio | 400.3745% | 13 |
| Total risk-based capital ratio | 400.3745% | 13 |
| Memoranda: | ||
| Average total assets | $10,388,330 | 6,921 |
| Average earning assets | $9,392,330 | 6,906 |
| Average equity | $9,809,000 | 4,985 |
| Average total loans | $435,000 | 6,901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1743% | 7,011 |
| Cost of funding earning assets | 0.0436% | 6,967 |
| Net interest margin | 0.1307% | 7,009 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 8.6716% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -8.5570% | 7,009 |
| Return on assets (ROA) | -8.5570% | 7,010 |
| Pretax return on assets | -8.5570% | 7,009 |
| Return on Equity (ROE) | -9.0478% | 6,785 |
| Retained earnings to average equity (ytd only) | -9.0478% | 6,578 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7,566.6667% | 1 |
| Assets per employee ($millions) | 10.3310% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 4.2106% | 6,971 |
| Net loans and leases to deposits | 87.0000% | 1,249 |
| Net loans and leases to core deposits | 87.0000% | 2,011 |
| Total domestic deposits to total assets | 4.8398% | 6,998 |
| Equity capital to assets | 94.7730% | 5 |
| Core capital (leverage) ratio | 94.7730% | 6 |
| Tier 1 risk-based capital ratio | 404.4197% | 13 |
| Total risk-based capital ratio | 404.4197% | 13 |
| Memoranda: | ||
| Average total assets | $10,471,000 | 6,999 |
| Average earning assets | $9,182,000 | 6,984 |
| Average equity | $9,903,000 | 5,007 |
| Average total loans | $435,000 | 6,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 5,828 |
| Cost of funding earning assets | 0.6676% | 3,766 |
| Net interest margin | 3.1282% | 5,743 |
| Noninterest income to average assets | -1.9733% | 7,077 |
| Noninterest expense to average assets | 5.1624% | 343 |
| Loan and lease loss provision to assets | 0.0340% | 5,462 |
| Net operating income to assets | -4.2942% | 7,044 |
| Return on assets (ROA) | -4.5808% | 7,050 |
| Pretax return on assets | -4.5779% | 7,053 |
| Return on Equity (ROE) | -27.2623% | 6,942 |
| Retained earnings to average equity (ytd only) | -27.2623% | 6,917 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 570.3762% | 6 |
| Assets per employee ($millions) | 10.6110% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 4.0995% | 7,032 |
| Net loans and leases to deposits | 87.0000% | 1,384 |
| Net loans and leases to core deposits | 87.0000% | 2,189 |
| Total domestic deposits to total assets | 4.7121% | 7,062 |
| Equity capital to assets | 94.3832% | 5 |
| Core capital (leverage) ratio | 94.3832% | 3 |
| Tier 1 risk-based capital ratio | 404.3197% | 14 |
| Total risk-based capital ratio | 404.3197% | 14 |
| Memoranda: | ||
| Average total assets | $70,490,600 | 5,619 |
| Average earning assets | $64,862,200 | 5,589 |
| Average equity | $11,844,200 | 4,599 |
| Average total loans | $32,804,600 | 5,812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 4,967 |
| Cost of funding earning assets | 0.7300% | 3,516 |
| Net interest margin | 3.4251% | 4,945 |
| Noninterest income to average assets | -2.0500% | 7,173 |
| Noninterest expense to average assets | 4.8957% | 391 |
| Loan and lease loss provision to assets | 0.0374% | 5,306 |
| Net operating income to assets | -3.8239% | 7,135 |
| Return on assets (ROA) | -4.1390% | 7,147 |
| Pretax return on assets | -4.1359% | 7,144 |
| Return on Equity (ROE) | -28.7545% | 7,056 |
| Retained earnings to average equity (ytd only) | -28.7545% | 7,047 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 440.1122% | 10 |
| Assets per employee ($millions) | 11.1220% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 3.9112% | 7,135 |
| Net loans and leases to deposits | 87.0000% | 1,483 |
| Net loans and leases to core deposits | 87.0000% | 2,345 |
| Total domestic deposits to total assets | 4.4956% | 7,167 |
| Equity capital to assets | 93.4095% | 6 |
| Core capital (leverage) ratio | 93.4095% | 6 |
| Tier 1 risk-based capital ratio | 485.0140% | 7 |
| Total risk-based capital ratio | 485.0140% | 7 |
| Memoranda: | ||
| Average total assets | $85,460,500 | 5,262 |
| Average earning assets | $78,906,500 | 5,208 |
| Average equity | $12,301,500 | 4,541 |
| Average total loans | $40,897,000 | 5,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 5,517 |
| Cost of funding earning assets | 0.7119% | 3,923 |
| Net interest margin | 3.3275% | 5,358 |
| Noninterest income to average assets | 0.0562% | 6,835 |
| Noninterest expense to average assets | 4.4140% | 597 |
| Loan and lease loss provision to assets | 0.0544% | 4,979 |
| Net operating income to assets | -1.2446% | 6,969 |
| Return on assets (ROA) | -1.6110% | 7,043 |
| Pretax return on assets | -1.6074% | 7,021 |
| Return on Equity (ROE) | -13.7259% | 6,964 |
| Retained earnings to average equity (ytd only) | -13.7259% | 6,919 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7622% | 134 |
| Assets per employee ($millions) | 7.8568% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,681 |
| Loan loss allowance to noncurrent loans | 27.1084% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 2.6004% | 2,131 |
| Noncurrent loans to loans | 4.9655% | 1,001 |
| Net loans and leases to total assets | 51.6639% | 5,140 |
| Net loans and leases to deposits | 59.5547% | 5,287 |
| Net loans and leases to core deposits | 66.9700% | 4,899 |
| Total domestic deposits to total assets | 86.7504% | 2,928 |
| Equity capital to assets | 12.5760% | 1,768 |
| Core capital (leverage) ratio | 12.2147% | 1,493 |
| Tier 1 risk-based capital ratio | 18.8274% | 2,018 |
| Total risk-based capital ratio | 19.9140% | 2,038 |
| Memoranda: | ||
| Average total assets | $110,240,000 | 4,661 |
| Average earning assets | $105,063,670 | 4,534 |
| Average equity | $12,939,000 | 4,405 |
| Average total loans | $54,384,330 | 5,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 5,821 |
| Cost of funding earning assets | 0.7399% | 3,944 |
| Net interest margin | 3.2431% | 5,653 |
| Noninterest income to average assets | 0.0630% | 6,884 |
| Noninterest expense to average assets | 4.7843% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.6379% | 7,116 |
| Return on assets (ROA) | -2.3449% | 7,180 |
| Pretax return on assets | -2.3449% | 7,164 |
| Return on Equity (ROE) | -20.6376% | 7,116 |
| Retained earnings to average equity (ytd only) | -20.6376% | 7,054 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0578% | 99 |
| Assets per employee ($millions) | 7.2243% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 5,111 |
| Loan loss allowance to noncurrent loans | 37.2973% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 3,296 |
| Noncurrent loans to loans | 3.4297% | 1,827 |
| Net loans and leases to total assets | 49.1395% | 5,416 |
| Net loans and leases to deposits | 56.2974% | 5,567 |
| Net loans and leases to core deposits | 59.9669% | 5,533 |
| Total domestic deposits to total assets | 87.2856% | 2,777 |
| Equity capital to assets | 11.9328% | 2,087 |
| Core capital (leverage) ratio | 11.7123% | 1,762 |
| Tier 1 risk-based capital ratio | 18.4386% | 2,164 |
| Total risk-based capital ratio | 19.4410% | 2,199 |
| Memoranda: | ||
| Average total assets | $114,290,500 | 4,591 |
| Average earning assets | $108,660,500 | 4,465 |
| Average equity | $12,986,000 | 4,409 |
| Average total loans | $54,832,000 | 5,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 6,131 |
| Cost of funding earning assets | 0.8182% | 4,721 |
| Net interest margin | 3.3552% | 5,629 |
| Noninterest income to average assets | 0.3158% | 5,283 |
| Noninterest expense to average assets | 6.2514% | 187 |
| Loan and lease loss provision to assets | 0.1676% | 4,546 |
| Net operating income to assets | -2.8917% | 7,165 |
| Return on assets (ROA) | -2.9032% | 7,176 |
| Pretax return on assets | -2.9004% | 7,176 |
| Return on Equity (ROE) | -19.7606% | 6,980 |
| Retained earnings to average equity (ytd only) | -19.7606% | 6,965 |
| Net charge-offs to loans | 0.1143% | 5,233 |
| Credit loss provision to net charge-offs | 290.0000% | 818 |
| Earnings coverage of net charge-offs (x) | -47.1000% | 6,426 |
| Efficiency ratio | 177.0867% | 86 |
| Assets per employee ($millions) | 7.5135% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 6,043 |
| Loan loss allowance to noncurrent loans | 34.1810% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 3,881 |
| Noncurrent loans to loans | 3.0346% | 2,142 |
| Net loans and leases to total assets | 45.8724% | 6,023 |
| Net loans and leases to deposits | 52.0545% | 6,208 |
| Net loans and leases to core deposits | 54.9613% | 6,230 |
| Total domestic deposits to total assets | 88.1239% | 2,078 |
| Equity capital to assets | 10.8480% | 3,140 |
| Core capital (leverage) ratio | 11.0854% | 2,204 |
| Tier 1 risk-based capital ratio | 19.2775% | 1,826 |
| Total risk-based capital ratio | 20.1114% | 1,902 |
| Memoranda: | ||
| Average total assets | $103,849,400 | 4,797 |
| Average earning assets | $99,488,400 | 4,648 |
| Average equity | $15,257,600 | 3,855 |
| Average total loans | $52,507,400 | 5,169 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 6,236 |
| Cost of funding earning assets | 0.7977% | 5,167 |
| Net interest margin | 3.3902% | 5,604 |
| Noninterest income to average assets | 0.4076% | 4,613 |
| Noninterest expense to average assets | 6.4261% | 171 |
| Loan and lease loss provision to assets | 0.2018% | 4,002 |
| Net operating income to assets | -2.9725% | 7,265 |
| Return on assets (ROA) | -2.9725% | 7,274 |
| Pretax return on assets | -2.9711% | 7,268 |
| Return on Equity (ROE) | -18.7535% | 7,081 |
| Retained earnings to average equity (ytd only) | -18.7535% | 7,064 |
| Net charge-offs to loans | 0.0954% | 5,024 |
| Credit loss provision to net charge-offs | 408.1081% | 701 |
| Earnings coverage of net charge-offs (x) | -56.0024% | 6,170 |
| Efficiency ratio | 175.7310% | 83 |
| Assets per employee ($millions) | 7.4069% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,258 |
| Loan loss allowance to noncurrent loans | 59.6340% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 5,208 |
| Noncurrent loans to loans | 1.6804% | 3,785 |
| Net loans and leases to total assets | 46.1818% | 6,132 |
| Net loans and leases to deposits | 53.0499% | 6,283 |
| Net loans and leases to core deposits | 56.3936% | 6,285 |
| Total domestic deposits to total assets | 87.0534% | 2,621 |
| Equity capital to assets | 11.8648% | 2,362 |
| Core capital (leverage) ratio | 11.9332% | 1,740 |
| Tier 1 risk-based capital ratio | 20.6493% | 1,527 |
| Total risk-based capital ratio | 21.4575% | 1,603 |
| Memoranda: | ||
| Average total assets | $99,757,750 | 4,935 |
| Average earning assets | $95,606,750 | 4,794 |
| Average equity | $15,811,750 | 3,772 |
| Average total loans | $51,703,250 | 5,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 6,153 |
| Cost of funding earning assets | 0.7140% | 5,877 |
| Net interest margin | 3.5387% | 4,981 |
| Noninterest income to average assets | 0.2695% | 5,709 |
| Noninterest expense to average assets | 4.6991% | 482 |
| Loan and lease loss provision to assets | 0.2310% | 3,601 |
| Net operating income to assets | -1.2812% | 7,027 |
| Return on assets (ROA) | -1.2812% | 7,037 |
| Pretax return on assets | -1.2790% | 6,989 |
| Return on Equity (ROE) | -7.3070% | 6,836 |
| Retained earnings to average equity (ytd only) | -7.3070% | 6,733 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.7053% | 265 |
| Assets per employee ($millions) | 7.3548% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,360 |
| Loan loss allowance to noncurrent loans | 73.8896% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,554 |
| Noncurrent loans to loans | 1.3473% | 4,405 |
| Net loans and leases to total assets | 49.4915% | 5,888 |
| Net loans and leases to deposits | 58.3963% | 5,890 |
| Net loans and leases to core deposits | 62.7492% | 5,830 |
| Total domestic deposits to total assets | 84.7510% | 3,990 |
| Equity capital to assets | 14.5592% | 920 |
| Core capital (leverage) ratio | 14.3395% | 800 |
| Tier 1 risk-based capital ratio | 22.4577% | 1,195 |
| Total risk-based capital ratio | 23.2391% | 1,230 |
| Memoranda: | ||
| Average total assets | $93,507,000 | 5,152 |
| Average earning assets | $89,355,670 | 5,014 |
| Average equity | $16,395,330 | 3,669 |
| Average total loans | $50,509,670 | 5,333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 5,787 |
| Cost of funding earning assets | 0.6644% | 6,323 |
| Net interest margin | 3.7057% | 4,071 |
| Noninterest income to average assets | 0.3196% | 5,366 |
| Noninterest expense to average assets | 4.4419% | 633 |
| Loan and lease loss provision to assets | 0.5076% | 1,712 |
| Net operating income to assets | -1.0905% | 7,066 |
| Return on assets (ROA) | -1.0905% | 7,074 |
| Pretax return on assets | -1.0905% | 7,023 |
| Return on Equity (ROE) | -5.6032% | 6,842 |
| Retained earnings to average equity (ytd only) | -5.6032% | 6,564 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1035% | 408 |
| Assets per employee ($millions) | 5.9122% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 6,096 |
| Loan loss allowance to noncurrent loans | 68.8833% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,110 |
| Noncurrent loans to loans | 1.5771% | 4,112 |
| Net loans and leases to total assets | 56.3659% | 4,932 |
| Net loans and leases to deposits | 69.5791% | 4,415 |
| Net loans and leases to core deposits | 74.5374% | 4,481 |
| Total domestic deposits to total assets | 81.0099% | 5,651 |
| Equity capital to assets | 18.5515% | 327 |
| Core capital (leverage) ratio | 18.2695% | 320 |
| Tier 1 risk-based capital ratio | 29.1707% | 561 |
| Total risk-based capital ratio | 30.1626% | 567 |
| Memoranda: | ||
| Average total assets | $85,099,500 | 5,441 |
| Average earning assets | $81,280,000 | 5,321 |
| Average equity | $16,562,000 | 3,626 |
| Average total loans | $48,190,000 | 5,474 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 6,095 |
| Cost of funding earning assets | 1.0302% | 5,530 |
| Net interest margin | 3.5751% | 4,938 |
| Noninterest income to average assets | 0.2837% | 5,748 |
| Noninterest expense to average assets | 4.0140% | 1,139 |
| Loan and lease loss provision to assets | 0.9021% | 1,813 |
| Net operating income to assets | -1.2343% | 6,797 |
| Return on assets (ROA) | -0.7764% | 6,589 |
| Pretax return on assets | -0.7764% | 6,508 |
| Return on Equity (ROE) | -7.5603% | 6,591 |
| Retained earnings to average equity (ytd only) | -7.5603% | 6,498 |
| Net charge-offs to loans | 1.9554% | 1,040 |
| Credit loss provision to net charge-offs | 87.8788% | 5,210 |
| Earnings coverage of net charge-offs (x) | -0.3236% | 6,374 |
| Efficiency ratio | 109.0233% | 557 |
| Assets per employee ($millions) | 5.4344% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,531 |
| Loan loss allowance to noncurrent loans | 31.5412% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7113% | 3,736 |
| Noncurrent loans to loans | 3.0429% | 2,509 |
| Net loans and leases to total assets | 55.6995% | 5,387 |
| Net loans and leases to deposits | 70.3273% | 4,776 |
| Net loans and leases to core deposits | 75.5751% | 4,773 |
| Total domestic deposits to total assets | 79.2004% | 6,031 |
| Equity capital to assets | 20.4524% | 233 |
| Core capital (leverage) ratio | 20.1645% | 230 |
| Tier 1 risk-based capital ratio | 30.8199% | 475 |
| Total risk-based capital ratio | 31.6479% | 487 |
| Memoranda: | ||
| Average total assets | $80,368,000 | 5,584 |
| Average earning assets | $76,389,600 | 5,470 |
| Average equity | $8,253,600 | 5,636 |
| Average total loans | $42,191,000 | 5,825 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 6,100 |
| Cost of funding earning assets | 1.1233% | 5,298 |
| Net interest margin | 3.5538% | 5,089 |
| Noninterest income to average assets | 0.2547% | 6,080 |
| Noninterest expense to average assets | 3.8660% | 1,249 |
| Loan and lease loss provision to assets | 0.9274% | 1,621 |
| Net operating income to assets | -1.1621% | 6,969 |
| Return on assets (ROA) | -0.5578% | 6,690 |
| Pretax return on assets | -0.5578% | 6,591 |
| Return on Equity (ROE) | -7.2639% | 6,804 |
| Retained earnings to average equity (ytd only) | -7.2639% | 6,731 |
| Net charge-offs to loans | 1.6829% | 1,170 |
| Credit loss provision to net charge-offs | 106.9098% | 3,999 |
| Earnings coverage of net charge-offs (x) | -0.2706% | 6,228 |
| Efficiency ratio | 106.4649% | 590 |
| Assets per employee ($millions) | 4.8875% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 5,017 |
| Loan loss allowance to noncurrent loans | 38.0701% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 3,563 |
| Noncurrent loans to loans | 3.3923% | 2,343 |
| Net loans and leases to total assets | 56.2980% | 5,505 |
| Net loans and leases to deposits | 61.3931% | 6,180 |
| Net loans and leases to core deposits | 70.3230% | 5,713 |
| Total domestic deposits to total assets | 91.7008% | 256 |
| Equity capital to assets | 7.9271% | 6,854 |
| Core capital (leverage) ratio | 7.4121% | 6,922 |
| Tier 1 risk-based capital ratio | 10.7229% | 6,619 |
| Total risk-based capital ratio | 11.7945% | 6,727 |
| Memoranda: | ||
| Average total assets | $80,081,000 | 5,660 |
| Average earning assets | $76,085,500 | 5,544 |
| Average equity | $6,149,000 | 6,407 |
| Average total loans | $41,277,750 | 5,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 6,310 |
| Cost of funding earning assets | 1.1700% | 5,288 |
| Net interest margin | 3.4813% | 5,320 |
| Noninterest income to average assets | 0.1883% | 6,555 |
| Noninterest expense to average assets | 3.8212% | 1,329 |
| Loan and lease loss provision to assets | 0.0496% | 6,472 |
| Net operating income to assets | -0.3717% | 6,537 |
| Return on assets (ROA) | 0.1809% | 5,749 |
| Pretax return on assets | 0.1809% | 5,815 |
| Return on Equity (ROE) | 2.3808% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.3808% | 4,646 |
| Net charge-offs to loans | 0.0199% | 6,067 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | -32.5000% | 6,348 |
| Efficiency ratio | 109.2068% | 563 |
| Assets per employee ($millions) | 4.8689% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,739 |
| Loan loss allowance to noncurrent loans | 95.8692% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 5,735 |
| Noncurrent loans to loans | 1.3967% | 4,610 |
| Net loans and leases to total assets | 49.5844% | 6,480 |
| Net loans and leases to deposits | 53.8030% | 6,877 |
| Net loans and leases to core deposits | 60.4101% | 6,680 |
| Total domestic deposits to total assets | 92.1592% | 196 |
| Equity capital to assets | 7.4445% | 7,147 |
| Core capital (leverage) ratio | 6.7778% | 7,294 |
| Tier 1 risk-based capital ratio | 10.5741% | 6,626 |
| Total risk-based capital ratio | 11.6315% | 6,769 |
| Memoranda: | ||
| Average total assets | $80,708,000 | 5,677 |
| Average earning assets | $76,752,330 | 5,557 |
| Average equity | $6,132,330 | 6,425 |
| Average total loans | $40,170,000 | 6,043 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 6,074 |
| Cost of funding earning assets | 1.2127% | 5,331 |
| Net interest margin | 3.5376% | 5,005 |
| Noninterest income to average assets | 0.1355% | 7,003 |
| Noninterest expense to average assets | 3.8807% | 1,207 |
| Loan and lease loss provision to assets | 0.0351% | 6,324 |
| Net operating income to assets | -0.4267% | 6,785 |
| Return on assets (ROA) | 0.6928% | 3,588 |
| Pretax return on assets | 0.6928% | 4,261 |
| Return on Equity (ROE) | 9.0233% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.0233% | 1,395 |
| Net charge-offs to loans | 0.0406% | 5,013 |
| Credit loss provision to net charge-offs | 175.0000% | 2,080 |
| Earnings coverage of net charge-offs (x) | -19.5000% | 5,579 |
| Efficiency ratio | 111.2230% | 575 |
| Assets per employee ($millions) | 5.2936% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,607 |
| Loan loss allowance to noncurrent loans | 93.6317% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,700 |
| Noncurrent loans to loans | 1.4559% | 4,562 |
| Net loans and leases to total assets | 49.5731% | 6,511 |
| Net loans and leases to deposits | 53.9448% | 6,919 |
| Net loans and leases to core deposits | 60.3671% | 6,719 |
| Total domestic deposits to total assets | 91.8959% | 262 |
| Equity capital to assets | 7.7654% | 6,874 |
| Core capital (leverage) ratio | 7.1397% | 7,149 |
| Tier 1 risk-based capital ratio | 11.6180% | 5,556 |
| Total risk-based capital ratio | 12.7404% | 5,666 |
| Memoranda: | ||
| Average total assets | $79,676,000 | 5,779 |
| Average earning assets | $75,531,500 | 5,649 |
| Average equity | $6,117,500 | 6,477 |
| Average total loans | $39,455,500 | 6,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 7,241 |
| Cost of funding earning assets | 1.6716% | 4,661 |
| Net interest margin | 2.9576% | 6,736 |
| Noninterest income to average assets | 0.1385% | 7,055 |
| Noninterest expense to average assets | 4.1572% | 1,150 |
| Loan and lease loss provision to assets | 0.3499% | 4,705 |
| Net operating income to assets | -1.5566% | 6,888 |
| Return on assets (ROA) | -1.5124% | 6,872 |
| Pretax return on assets | -1.5095% | 6,711 |
| Return on Equity (ROE) | -17.0696% | 7,035 |
| Retained earnings to average equity (ytd only) | -17.0696% | 6,989 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.7640% | 376 |
| Assets per employee ($millions) | 5.7106% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.1100% | 6,804 |
| Net loans and leases to deposits | 52.2177% | 7,145 |
| Net loans and leases to core deposits | 63.0117% | 7,152 |
| Total domestic deposits to total assets | 92.1336% | 239 |
| Equity capital to assets | 7.5912% | 6,954 |
| Core capital (leverage) ratio | 6.8220% | 7,357 |
| Tier 1 risk-based capital ratio | 11.1812% | 5,741 |
| Total risk-based capital ratio | 12.2995% | 5,837 |
| Memoranda: | ||
| Average total assets | $70,023,200 | 6,003 |
| Average earning assets | $66,642,200 | 5,908 |
| Average equity | $6,204,000 | 6,531 |
| Average total loans | $32,353,200 | 6,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 7,473 |
| Cost of funding earning assets | 1.8170% | 4,304 |
| Net interest margin | 2.7172% | 7,188 |
| Noninterest income to average assets | 0.1244% | 7,265 |
| Noninterest expense to average assets | 4.2165% | 1,014 |
| Loan and lease loss provision to assets | 0.2744% | 4,777 |
| Net operating income to assets | -1.7845% | 7,230 |
| Return on assets (ROA) | -1.7687% | 7,225 |
| Pretax return on assets | -1.7648% | 7,075 |
| Return on Equity (ROE) | -19.1518% | 7,345 |
| Retained earnings to average equity (ytd only) | -19.1518% | 7,310 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5717% | 286 |
| Assets per employee ($millions) | 5.4349% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.0988% | 7,028 |
| Net loans and leases to deposits | 51.4678% | 7,335 |
| Net loans and leases to core deposits | 57.1910% | 7,498 |
| Total domestic deposits to total assets | 91.5113% | 253 |
| Equity capital to assets | 7.9249% | 6,918 |
| Core capital (leverage) ratio | 7.3890% | 7,089 |
| Tier 1 risk-based capital ratio | 12.0504% | 4,927 |
| Total risk-based capital ratio | 12.9902% | 5,152 |
| Memoranda: | ||
| Average total assets | $67,542,000 | 6,122 |
| Average earning assets | $64,281,000 | 6,027 |
| Average equity | $6,237,750 | 6,581 |
| Average total loans | $30,690,500 | 6,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 7,662 |
| Cost of funding earning assets | 1.9664% | 3,933 |
| Net interest margin | 2.4889% | 7,494 |
| Noninterest income to average assets | 0.1206% | 7,381 |
| Noninterest expense to average assets | 4.3683% | 877 |
| Loan and lease loss provision to assets | 0.2040% | 5,010 |
| Net operating income to assets | -2.0837% | 7,449 |
| Return on assets (ROA) | -2.0590% | 7,438 |
| Pretax return on assets | -2.0559% | 7,304 |
| Return on Equity (ROE) | -21.1194% | 7,532 |
| Retained earnings to average equity (ytd only) | -21.1194% | 7,487 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.3102% | 265 |
| Assets per employee ($millions) | 4.6615% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.7804% | 7,210 |
| Net loans and leases to deposits | 50.3753% | 7,472 |
| Net loans and leases to core deposits | 55.1201% | 7,630 |
| Total domestic deposits to total assets | 90.8785% | 498 |
| Equity capital to assets | 8.6438% | 5,828 |
| Core capital (leverage) ratio | 8.3284% | 5,745 |
| Tier 1 risk-based capital ratio | 13.4451% | 3,849 |
| Total risk-based capital ratio | 14.2837% | 4,044 |
| Memoranda: | ||
| Average total assets | $64,693,000 | 6,274 |
| Average earning assets | $61,634,670 | 6,159 |
| Average equity | $6,307,000 | 6,606 |
| Average total loans | $28,830,330 | 6,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 7,886 |
| Cost of funding earning assets | 2.2079% | 3,127 |
| Net interest margin | 2.0313% | 7,882 |
| Noninterest income to average assets | 0.1031% | 7,525 |
| Noninterest expense to average assets | 4.5233% | 695 |
| Loan and lease loss provision to assets | 0.1869% | 4,569 |
| Net operating income to assets | -2.6805% | 7,797 |
| Return on assets (ROA) | -2.6805% | 7,794 |
| Pretax return on assets | -2.6805% | 7,695 |
| Return on Equity (ROE) | -25.8445% | 7,854 |
| Retained earnings to average equity (ytd only) | -25.8445% | 7,785 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.8571% | 154 |
| Assets per employee ($millions) | 4.9542% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.6652% | 7,535 |
| Net loans and leases to deposits | 44.9382% | 7,690 |
| Net loans and leases to core deposits | 48.4081% | 7,826 |
| Total domestic deposits to total assets | 90.4915% | 594 |
| Equity capital to assets | 9.0486% | 5,294 |
| Core capital (leverage) ratio | 8.7455% | 5,071 |
| Tier 1 risk-based capital ratio | 15.5101% | 2,852 |
| Total risk-based capital ratio | 16.3434% | 2,961 |
| Memoranda: | ||
| Average total assets | $62,078,000 | 6,397 |
| Average earning assets | $58,880,000 | 6,305 |
| Average equity | $6,438,500 | 6,600 |
| Average total loans | $27,059,500 | 6,934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 7,940 |
| Cost of funding earning assets | 2.7376% | 2,984 |
| Net interest margin | 2.0739% | 8,027 |
| Noninterest income to average assets | 0.1641% | 7,249 |
| Noninterest expense to average assets | 4.8513% | 687 |
| Loan and lease loss provision to assets | 2.1936% | 526 |
| Net operating income to assets | -4.8934% | 8,084 |
| Return on assets (ROA) | -4.8278% | 8,062 |
| Pretax return on assets | -4.8231% | 8,002 |
| Return on Equity (ROE) | -28.2983% | 7,932 |
| Retained earnings to average equity (ytd only) | -28.2983% | 7,880 |
| Net charge-offs to loans | 3.7857% | 192 |
| Credit loss provision to net charge-offs | 118.3312% | 4,551 |
| Earnings coverage of net charge-offs (x) | -1.4539% | 6,654 |
| Efficiency ratio | 225.0000% | 163 |
| Assets per employee ($millions) | 4.9815% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.1613% | 7,317 |
| Net loans and leases to deposits | 52.8267% | 7,499 |
| Net loans and leases to core deposits | 56.3037% | 7,734 |
| Total domestic deposits to total assets | 87.3825% | 1,765 |
| Equity capital to assets | 12.0463% | 2,264 |
| Core capital (leverage) ratio | 11.8074% | 2,076 |
| Tier 1 risk-based capital ratio | 19.9888% | 1,622 |
| Total risk-based capital ratio | 20.9047% | 1,632 |
| Memoranda: | ||
| Average total assets | $42,669,400 | 7,091 |
| Average earning assets | $40,985,200 | 6,994 |
| Average equity | $7,279,600 | 6,359 |
| Average total loans | $20,894,600 | 7,272 |