Home > Abington Savings Bank > Performance and Condition Ratios
Abington Savings Bank, Performance and Condition Ratios
| 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 | 4.3608% | 5,737 |
| Cost of funding earning assets | 1.3966% | 1,246 |
| Net interest margin | 2.9642% | 6,646 |
| Noninterest income to average assets | -0.0950% | 7,205 |
| Noninterest expense to average assets | 3.7060% | 1,488 |
| Loan and lease loss provision to assets | 0.0102% | 6,305 |
| Net operating income to assets | -0.6833% | 6,751 |
| Return on assets (ROA) | -0.6833% | 6,781 |
| Pretax return on assets | -1.1472% | 6,921 |
| Return on Equity (ROE) | -4.5005% | 6,655 |
| Retained earnings to average equity (ytd only) | -4.5005% | 6,561 |
| Net charge-offs to loans | -0.0205% | 6,918 |
| Credit loss provision to net charge-offs | -88.3495% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.2586% | 166 |
| Assets per employee ($millions) | 7.4147% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 6,953 |
| Loan loss allowance to noncurrent loans | 28.2408% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 3.0940% | 2,067 |
| Noncurrent loans to loans | 2.4956% | 2,775 |
| Net loans and leases to total assets | 54.3984% | 5,112 |
| Net loans and leases to deposits | 73.5417% | 3,716 |
| Net loans and leases to core deposits | 81.1102% | 3,469 |
| Total domestic deposits to total assets | 73.9694% | 6,766 |
| Equity capital to assets | 16.0428% | 621 |
| Core capital (leverage) ratio | 15.5099% | 573 |
| Tier 1 risk-based capital ratio | 24.4563% | 961 |
| Total risk-based capital ratio | 25.0625% | 1,022 |
| Memoranda: | ||
| Average total assets | $1,188,254,250 | 555 |
| Average earning assets | $1,067,904,500 | 559 |
| Average equity | $180,420,250 | 396 |
| Average total loans | $668,909,500 | 623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 5,976 |
| Cost of funding earning assets | 1.4231% | 1,319 |
| Net interest margin | 2.8900% | 6,806 |
| Noninterest income to average assets | 0.3170% | 5,361 |
| Noninterest expense to average assets | 1.9867% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7056% | 3,516 |
| Return on assets (ROA) | 0.7056% | 3,624 |
| Pretax return on assets | 0.9201% | 3,550 |
| Return on Equity (ROE) | 4.7329% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.7329% | 3,171 |
| Net charge-offs to loans | -0.0250% | 6,877 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3464% | 4,455 |
| Assets per employee ($millions) | 7.8427% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 7,068 |
| Loan loss allowance to noncurrent loans | 31.3543% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.1928% | 2,104 |
| Noncurrent loans to loans | 2.1154% | 3,335 |
| Net loans and leases to total assets | 55.4700% | 5,073 |
| Net loans and leases to deposits | 75.4543% | 3,569 |
| Net loans and leases to core deposits | 85.2640% | 3,037 |
| Total domestic deposits to total assets | 73.5147% | 6,885 |
| Equity capital to assets | 15.5076% | 699 |
| Core capital (leverage) ratio | 15.1569% | 641 |
| Tier 1 risk-based capital ratio | 24.8640% | 916 |
| Total risk-based capital ratio | 25.4725% | 958 |
| Memoranda: | ||
| Average total assets | $1,198,776,670 | 556 |
| Average earning assets | $1,074,240,000 | 558 |
| Average equity | $178,705,330 | 398 |
| Average total loans | $680,651,000 | 621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 5,993 |
| Cost of funding earning assets | 1.4452% | 1,407 |
| Net interest margin | 2.8642% | 6,812 |
| Noninterest income to average assets | 0.3041% | 5,493 |
| Noninterest expense to average assets | 2.0655% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6529% | 3,737 |
| Return on assets (ROA) | 0.6529% | 3,813 |
| Pretax return on assets | 0.8103% | 3,867 |
| Return on Equity (ROE) | 4.4673% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.4673% | 3,497 |
| Net charge-offs to loans | -0.0168% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8243% | 3,908 |
| Assets per employee ($millions) | 7.7163% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 7,172 |
| Loan loss allowance to noncurrent loans | 52.6825% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.7106% | 2,542 |
| Noncurrent loans to loans | 1.1930% | 4,693 |
| Net loans and leases to total assets | 57.9799% | 4,650 |
| Net loans and leases to deposits | 77.9511% | 3,067 |
| Net loans and leases to core deposits | 87.8582% | 2,618 |
| Total domestic deposits to total assets | 74.3799% | 6,870 |
| Equity capital to assets | 15.1654% | 729 |
| Core capital (leverage) ratio | 14.5533% | 733 |
| Tier 1 risk-based capital ratio | 24.1712% | 956 |
| Total risk-based capital ratio | 24.7646% | 1,003 |
| Memoranda: | ||
| Average total assets | $1,209,964,000 | 554 |
| Average earning assets | $1,086,364,000 | 555 |
| Average equity | $176,842,000 | 401 |
| Average total loans | $692,523,000 | 619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 6,253 |
| Cost of funding earning assets | 1.6904% | 1,647 |
| Net interest margin | 2.8590% | 6,960 |
| Noninterest income to average assets | 0.2585% | 5,952 |
| Noninterest expense to average assets | 1.9292% | 7,116 |
| Loan and lease loss provision to assets | 0.0778% | 6,379 |
| Net operating income to assets | 0.6156% | 3,605 |
| Return on assets (ROA) | 0.6156% | 3,773 |
| Pretax return on assets | 0.8200% | 3,569 |
| Return on Equity (ROE) | 4.4955% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.4955% | 2,728 |
| Net charge-offs to loans | 0.7835% | 2,679 |
| Credit loss provision to net charge-offs | 16.8594% | 6,580 |
| Earnings coverage of net charge-offs (x) | 1.9453% | 4,270 |
| Efficiency ratio | 68.2415% | 4,511 |
| Assets per employee ($millions) | 8.2043% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 7,250 |
| Loan loss allowance to noncurrent loans | 47.2723% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.6162% | 2,659 |
| Noncurrent loans to loans | 1.2897% | 4,557 |
| Net loans and leases to total assets | 55.8469% | 5,368 |
| Net loans and leases to deposits | 75.3440% | 3,954 |
| Net loans and leases to core deposits | 85.6221% | 3,378 |
| Total domestic deposits to total assets | 74.1226% | 6,876 |
| Equity capital to assets | 14.0982% | 1,007 |
| Core capital (leverage) ratio | 13.8363% | 876 |
| Tier 1 risk-based capital ratio | 23.3072% | 996 |
| Total risk-based capital ratio | 23.8853% | 1,067 |
| Memoranda: | ||
| Average total assets | $1,255,625,600 | 537 |
| Average earning assets | $1,128,014,600 | 536 |
| Average equity | $171,950,000 | 401 |
| Average total loans | $739,633,400 | 592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 6,323 |
| Cost of funding earning assets | 1.7515% | 1,620 |
| Net interest margin | 2.8532% | 7,075 |
| Noninterest income to average assets | 0.2431% | 6,152 |
| Noninterest expense to average assets | 1.9301% | 7,164 |
| Loan and lease loss provision to assets | 0.0597% | 6,470 |
| Net operating income to assets | 0.6120% | 3,826 |
| Return on assets (ROA) | 0.6120% | 3,997 |
| Pretax return on assets | 0.8130% | 3,856 |
| Return on Equity (ROE) | 4.5017% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.5017% | 3,346 |
| Net charge-offs to loans | 0.8839% | 2,233 |
| Credit loss provision to net charge-offs | 11.3325% | 6,325 |
| Earnings coverage of net charge-offs (x) | 1.6570% | 4,463 |
| Efficiency ratio | 68.8654% | 4,294 |
| Assets per employee ($millions) | 8.2217% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 7,280 |
| Loan loss allowance to noncurrent loans | 38.3357% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5637% | 2,807 |
| Noncurrent loans to loans | 1.6985% | 4,087 |
| Net loans and leases to total assets | 56.8257% | 5,435 |
| Net loans and leases to deposits | 77.2485% | 3,967 |
| Net loans and leases to core deposits | 90.0736% | 3,081 |
| Total domestic deposits to total assets | 73.5621% | 6,977 |
| Equity capital to assets | 13.9655% | 1,172 |
| Core capital (leverage) ratio | 13.4865% | 1,065 |
| Tier 1 risk-based capital ratio | 22.3592% | 1,155 |
| Total risk-based capital ratio | 22.9775% | 1,228 |
| Memoranda: | ||
| Average total assets | $1,257,767,750 | 530 |
| Average earning assets | $1,128,381,750 | 530 |
| Average equity | $170,984,250 | 397 |
| Average total loans | $749,363,000 | 582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 6,446 |
| Cost of funding earning assets | 1.7814% | 1,713 |
| Net interest margin | 2.8235% | 7,118 |
| Noninterest income to average assets | 0.2449% | 6,160 |
| Noninterest expense to average assets | 1.9376% | 7,200 |
| Loan and lease loss provision to assets | 0.0895% | 6,029 |
| Net operating income to assets | 0.5720% | 3,984 |
| Return on assets (ROA) | 0.5720% | 4,130 |
| Pretax return on assets | 0.7528% | 4,057 |
| Return on Equity (ROE) | 4.2462% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.2462% | 3,375 |
| Net charge-offs to loans | 0.6574% | 2,573 |
| Credit loss provision to net charge-offs | 22.5561% | 5,827 |
| Earnings coverage of net charge-offs (x) | 2.1222% | 3,963 |
| Efficiency ratio | 69.7003% | 4,246 |
| Assets per employee ($millions) | 8.1816% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,552 |
| Loan loss allowance to noncurrent loans | 32.1952% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 2.7893% | 2,590 |
| Noncurrent loans to loans | 2.9932% | 2,684 |
| Net loans and leases to total assets | 58.0011% | 5,416 |
| Net loans and leases to deposits | 80.5656% | 3,509 |
| Net loans and leases to core deposits | 94.7021% | 2,618 |
| Total domestic deposits to total assets | 71.9924% | 7,182 |
| Equity capital to assets | 13.6133% | 1,297 |
| Core capital (leverage) ratio | 13.1827% | 1,145 |
| Tier 1 risk-based capital ratio | 21.3618% | 1,290 |
| Total risk-based capital ratio | 22.2755% | 1,309 |
| Memoranda: | ||
| Average total assets | $1,257,716,000 | 532 |
| Average earning assets | $1,129,253,000 | 534 |
| Average equity | $169,420,670 | 401 |
| Average total loans | $759,314,670 | 572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 6,325 |
| Cost of funding earning assets | 1.8294% | 1,755 |
| Net interest margin | 2.8471% | 7,108 |
| Noninterest income to average assets | 0.2098% | 6,459 |
| Noninterest expense to average assets | 1.9139% | 7,312 |
| Loan and lease loss provision to assets | 0.1798% | 4,728 |
| Net operating income to assets | 0.5154% | 4,317 |
| Return on assets (ROA) | 0.5154% | 4,460 |
| Pretax return on assets | 0.6633% | 4,365 |
| Return on Equity (ROE) | 3.8471% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.8471% | 3,832 |
| Net charge-offs to loans | 0.1735% | 3,884 |
| Credit loss provision to net charge-offs | 169.0691% | 2,155 |
| Earnings coverage of net charge-offs (x) | 7.9279% | 2,018 |
| Efficiency ratio | 69.4197% | 4,424 |
| Assets per employee ($millions) | 8.3351% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 5,373 |
| Loan loss allowance to noncurrent loans | 24.4510% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 4.7306% | 1,398 |
| Noncurrent loans to loans | 5.0049% | 1,449 |
| Net loans and leases to total assets | 59.3781% | 5,226 |
| Net loans and leases to deposits | 82.5199% | 3,190 |
| Net loans and leases to core deposits | 97.7250% | 2,372 |
| Total domestic deposits to total assets | 71.9561% | 7,270 |
| Equity capital to assets | 13.3461% | 1,384 |
| Core capital (leverage) ratio | 13.2243% | 1,151 |
| Tier 1 risk-based capital ratio | 20.5415% | 1,419 |
| Total risk-based capital ratio | 21.7022% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,252,501,500 | 550 |
| Average earning assets | $1,120,564,000 | 554 |
| Average equity | $167,813,000 | 408 |
| Average total loans | $767,624,500 | 587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 6,670 |
| Cost of funding earning assets | 2.1985% | 2,042 |
| Net interest margin | 2.7197% | 7,185 |
| Noninterest income to average assets | 0.0054% | 7,675 |
| Noninterest expense to average assets | 1.9505% | 7,438 |
| Loan and lease loss provision to assets | 1.5523% | 1,480 |
| Net operating income to assets | -0.5958% | 6,264 |
| Return on assets (ROA) | -0.5958% | 6,261 |
| Pretax return on assets | -1.0352% | 6,430 |
| Return on Equity (ROE) | -4.2235% | 6,134 |
| Retained earnings to average equity (ytd only) | -4.2235% | 5,903 |
| Net charge-offs to loans | 2.7488% | 818 |
| Credit loss provision to net charge-offs | 88.1990% | 6,058 |
| Earnings coverage of net charge-offs (x) | 0.2938% | 5,821 |
| Efficiency ratio | 79.0431% | 3,033 |
| Assets per employee ($millions) | 8.0394% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,501 |
| Loan loss allowance to noncurrent loans | 26.3257% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 4.6320% | 1,382 |
| Noncurrent loans to loans | 4.4631% | 1,595 |
| Net loans and leases to total assets | 61.7540% | 5,038 |
| Net loans and leases to deposits | 86.3135% | 2,853 |
| Net loans and leases to core deposits | 119.5021% | 1,987 |
| Total domestic deposits to total assets | 71.5462% | 7,284 |
| Equity capital to assets | 13.4515% | 1,343 |
| Core capital (leverage) ratio | 13.1368% | 1,210 |
| Tier 1 risk-based capital ratio | 20.0392% | 1,459 |
| Total risk-based capital ratio | 21.1591% | 1,444 |
| Memoranda: | ||
| Average total assets | $1,207,049,200 | 554 |
| Average earning assets | $1,092,775,400 | 554 |
| Average equity | $170,285,600 | 404 |
| Average total loans | $772,848,600 | 595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 6,797 |
| Cost of funding earning assets | 2.2726% | 2,097 |
| Net interest margin | 2.6663% | 7,270 |
| Noninterest income to average assets | -0.1147% | 7,937 |
| Noninterest expense to average assets | 1.9474% | 7,469 |
| Loan and lease loss provision to assets | 1.3701% | 1,405 |
| Net operating income to assets | -0.5785% | 6,507 |
| Return on assets (ROA) | -0.5785% | 6,504 |
| Pretax return on assets | -1.0128% | 6,696 |
| Return on Equity (ROE) | -4.0523% | 6,345 |
| Retained earnings to average equity (ytd only) | -4.0523% | 6,118 |
| Net charge-offs to loans | 0.8833% | 2,196 |
| Credit loss provision to net charge-offs | 240.7501% | 1,813 |
| Earnings coverage of net charge-offs (x) | 0.6279% | 5,398 |
| Efficiency ratio | 84.4966% | 2,241 |
| Assets per employee ($millions) | 7.7192% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3895% | 1,182 |
| Loan loss allowance to noncurrent loans | 43.1734% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 5.0296% | 1,163 |
| Noncurrent loans to loans | 5.5346% | 1,129 |
| Net loans and leases to total assets | 62.5790% | 5,145 |
| Net loans and leases to deposits | 89.7306% | 2,627 |
| Net loans and leases to core deposits | 128.5981% | 1,532 |
| Total domestic deposits to total assets | 69.7410% | 7,435 |
| Equity capital to assets | 13.7401% | 1,400 |
| Core capital (leverage) ratio | 13.5696% | 1,214 |
| Tier 1 risk-based capital ratio | 20.2736% | 1,500 |
| Total risk-based capital ratio | 21.5370% | 1,457 |
| Memoranda: | ||
| Average total assets | $1,199,293,250 | 570 |
| Average earning assets | $1,088,265,250 | 572 |
| Average equity | $171,222,000 | 413 |
| Average total loans | $772,648,250 | 609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 6,634 |
| Cost of funding earning assets | 2.3410% | 2,196 |
| Net interest margin | 2.7056% | 7,184 |
| Noninterest income to average assets | 0.3995% | 5,290 |
| Noninterest expense to average assets | 1.9376% | 7,573 |
| Loan and lease loss provision to assets | 0.5918% | 2,669 |
| Net operating income to assets | 0.2985% | 4,904 |
| Return on assets (ROA) | 0.2985% | 5,020 |
| Pretax return on assets | 0.3296% | 5,130 |
| Return on Equity (ROE) | 2.0641% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.0641% | 4,193 |
| Net charge-offs to loans | 1.1379% | 1,602 |
| Credit loss provision to net charge-offs | 80.5905% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.2547% | 4,592 |
| Efficiency ratio | 67.7719% | 5,192 |
| Assets per employee ($millions) | 7.4432% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 3,811 |
| Loan loss allowance to noncurrent loans | 27.4721% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 4.8341% | 1,131 |
| Noncurrent loans to loans | 5.0431% | 1,214 |
| Net loans and leases to total assets | 64.6496% | 4,848 |
| Net loans and leases to deposits | 95.4794% | 1,877 |
| Net loans and leases to core deposits | 138.1508% | 1,099 |
| Total domestic deposits to total assets | 67.7105% | 7,636 |
| Equity capital to assets | 14.6555% | 1,123 |
| Core capital (leverage) ratio | 14.2476% | 1,080 |
| Tier 1 risk-based capital ratio | 21.8560% | 1,274 |
| Total risk-based capital ratio | 23.1076% | 1,247 |
| Memoranda: | ||
| Average total assets | $1,189,940,330 | 586 |
| Average earning assets | $1,081,676,330 | 587 |
| Average equity | $172,083,000 | 414 |
| Average total loans | $767,909,000 | 632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 6,820 |
| Cost of funding earning assets | 2.3569% | 2,483 |
| Net interest margin | 2.6857% | 7,237 |
| Noninterest income to average assets | 0.3795% | 5,390 |
| Noninterest expense to average assets | 1.8214% | 7,675 |
| Loan and lease loss provision to assets | 0.0392% | 6,473 |
| Net operating income to assets | 0.7211% | 3,461 |
| Return on assets (ROA) | 0.7211% | 3,658 |
| Pretax return on assets | 0.9695% | 3,469 |
| Return on Equity (ROE) | 5.0197% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.0197% | 3,120 |
| Net charge-offs to loans | 1.8488% | 784 |
| Credit loss provision to net charge-offs | 3.3135% | 5,235 |
| Earnings coverage of net charge-offs (x) | 0.8522% | 4,341 |
| Efficiency ratio | 64.3568% | 5,618 |
| Assets per employee ($millions) | 7.6219% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 5,632 |
| Loan loss allowance to noncurrent loans | 55.3391% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.3337% | 2,458 |
| Noncurrent loans to loans | 1.9464% | 3,346 |
| Net loans and leases to total assets | 62.8039% | 5,189 |
| Net loans and leases to deposits | 96.8167% | 1,821 |
| Net loans and leases to core deposits | 143.5509% | 951 |
| Total domestic deposits to total assets | 64.8689% | 7,803 |
| Equity capital to assets | 14.4818% | 1,239 |
| Core capital (leverage) ratio | 14.1738% | 1,153 |
| Tier 1 risk-based capital ratio | 22.3750% | 1,259 |
| Total risk-based capital ratio | 23.4547% | 1,244 |
| Memoranda: | ||
| Average total assets | $1,193,176,500 | 589 |
| Average earning assets | $1,088,715,000 | 584 |
| Average equity | $171,403,000 | 417 |
| Average total loans | $763,935,500 | 641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 7,401 |
| Cost of funding earning assets | 2.6728% | 3,303 |
| Net interest margin | 2.7728% | 7,379 |
| Noninterest income to average assets | 0.3891% | 5,568 |
| Noninterest expense to average assets | 1.8212% | 7,729 |
| Loan and lease loss provision to assets | 0.8645% | 1,727 |
| Net operating income to assets | 0.2666% | 5,658 |
| Return on assets (ROA) | 0.1896% | 5,701 |
| Pretax return on assets | 0.1639% | 5,813 |
| Return on Equity (ROE) | 1.2763% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.2763% | 4,452 |
| Net charge-offs to loans | -0.0036% | 7,771 |
| Credit loss provision to net charge-offs | -37,538.4615% | 7,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2306% | 5,909 |
| Assets per employee ($millions) | 7.5778% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 2,626 |
| Loan loss allowance to noncurrent loans | 49.3405% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 2.1219% | 2,315 |
| Noncurrent loans to loans | 3.0598% | 1,747 |
| Net loans and leases to total assets | 63.5913% | 5,355 |
| Net loans and leases to deposits | 104.8652% | 1,253 |
| Net loans and leases to core deposits | 153.3198% | 740 |
| Total domestic deposits to total assets | 60.6410% | 7,940 |
| Equity capital to assets | 14.2480% | 1,364 |
| Core capital (leverage) ratio | 14.2044% | 1,216 |
| Tier 1 risk-based capital ratio | 22.0624% | 1,311 |
| Total risk-based capital ratio | 23.3160% | 1,276 |
| Memoranda: | ||
| Average total assets | $1,128,993,200 | 591 |
| Average earning assets | $1,033,154,000 | 586 |
| Average equity | $167,744,400 | 422 |
| Average total loans | $714,428,000 | 668 |