Home > Affinity Bank of Pennsylvania > Performance and Condition Ratios
Affinity Bank of Pennsylvania, Performance and Condition Ratios
| 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 | 3.9449% | 5,455 |
| Cost of funding earning assets | 1.0720% | 1,011 |
| Net interest margin | 2.8730% | 6,276 |
| Noninterest income to average assets | 0.1259% | 6,407 |
| Noninterest expense to average assets | 2.9417% | 3,496 |
| Loan and lease loss provision to assets | 0.1087% | 4,272 |
| Net operating income to assets | -0.1619% | 6,349 |
| Return on assets (ROA) | -0.1619% | 6,424 |
| Pretax return on assets | -0.1734% | 6,407 |
| Return on Equity (ROE) | -2.2801% | 6,468 |
| Retained earnings to average equity (ytd only) | -2.2801% | 6,198 |
| Net charge-offs to loans | 0.2722% | 3,301 |
| Credit loss provision to net charge-offs | 80.1688% | 3,830 |
| Earnings coverage of net charge-offs (x) | -0.4768% | 5,666 |
| Efficiency ratio | 101.3922% | 511 |
| Assets per employee ($millions) | 4.8533% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,052 |
| Loan loss allowance to noncurrent loans | 36.5515% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,037 |
| Noncurrent loans to loans | 3.8930% | 1,241 |
| Net loans and leases to total assets | 44.8846% | 5,742 |
| Net loans and leases to deposits | 52.6941% | 5,757 |
| Net loans and leases to core deposits | 54.9521% | 5,798 |
| Total domestic deposits to total assets | 85.1795% | 3,774 |
| Equity capital to assets | 7.1281% | 6,743 |
| Core capital (leverage) ratio | 6.5486% | 6,784 |
| Tier 1 risk-based capital ratio | 13.6084% | 4,668 |
| Total risk-based capital ratio | 14.8603% | 4,612 |
| Memoranda: | ||
| Average total assets | $174,762,000 | 3,380 |
| Average earning assets | $167,353,600 | 3,266 |
| Average equity | $12,411,600 | 4,477 |
| Average total loans | $87,055,600 | 3,823 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 5,557 |
| Cost of funding earning assets | 1.0859% | 1,121 |
| Net interest margin | 2.8998% | 6,361 |
| Noninterest income to average assets | 0.1205% | 6,535 |
| Noninterest expense to average assets | 2.9188% | 3,520 |
| Loan and lease loss provision to assets | 0.1182% | 4,072 |
| Net operating income to assets | -0.1266% | 6,430 |
| Return on assets (ROA) | -0.1266% | 6,515 |
| Pretax return on assets | -0.1419% | 6,510 |
| Return on Equity (ROE) | -1.7848% | 6,553 |
| Retained earnings to average equity (ytd only) | -1.7848% | 6,366 |
| Net charge-offs to loans | 0.0810% | 4,589 |
| Credit loss provision to net charge-offs | 287.0370% | 941 |
| Earnings coverage of net charge-offs (x) | -0.5740% | 5,515 |
| Efficiency ratio | 99.9736% | 535 |
| Assets per employee ($millions) | 4.6155% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,887 |
| Loan loss allowance to noncurrent loans | 44.7552% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.4020% | 2,217 |
| Noncurrent loans to loans | 3.3871% | 1,616 |
| Net loans and leases to total assets | 48.6959% | 5,465 |
| Net loans and leases to deposits | 57.4370% | 5,490 |
| Net loans and leases to core deposits | 59.9781% | 5,563 |
| Total domestic deposits to total assets | 84.7815% | 3,846 |
| Equity capital to assets | 7.3601% | 6,802 |
| Core capital (leverage) ratio | 6.6305% | 6,860 |
| Tier 1 risk-based capital ratio | 13.3911% | 4,957 |
| Total risk-based capital ratio | 14.6456% | 4,910 |
| Memoranda: | ||
| Average total assets | $174,773,250 | 3,418 |
| Average earning assets | $167,228,000 | 3,301 |
| Average equity | $12,401,000 | 4,524 |
| Average total loans | $88,931,250 | 3,817 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 5,486 |
| Cost of funding earning assets | 1.0893% | 1,262 |
| Net interest margin | 2.9605% | 6,317 |
| Noninterest income to average assets | 0.1136% | 6,619 |
| Noninterest expense to average assets | 2.9414% | 3,465 |
| Loan and lease loss provision to assets | 0.1306% | 3,894 |
| Net operating income to assets | -0.1022% | 6,436 |
| Return on assets (ROA) | -0.1022% | 6,540 |
| Pretax return on assets | -0.1249% | 6,536 |
| Return on Equity (ROE) | -1.4581% | 6,580 |
| Retained earnings to average equity (ytd only) | -1.4581% | 6,283 |
| Net charge-offs to loans | 0.0265% | 5,009 |
| Credit loss provision to net charge-offs | 958.3333% | 343 |
| Earnings coverage of net charge-offs (x) | 0.4167% | 4,870 |
| Efficiency ratio | 98.9595% | 596 |
| Assets per employee ($millions) | 4.8442% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,169 |
| Loan loss allowance to noncurrent loans | 42.1018% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1974% | 2,544 |
| Noncurrent loans to loans | 3.4829% | 1,647 |
| Net loans and leases to total assets | 49.3976% | 5,434 |
| Net loans and leases to deposits | 58.0218% | 5,444 |
| Net loans and leases to core deposits | 60.7314% | 5,514 |
| Total domestic deposits to total assets | 85.1363% | 3,797 |
| Equity capital to assets | 7.1959% | 6,871 |
| Core capital (leverage) ratio | 6.6128% | 6,903 |
| Tier 1 risk-based capital ratio | 12.9060% | 5,250 |
| Total risk-based capital ratio | 14.1585% | 5,226 |
| Memoranda: | ||
| Average total assets | $176,107,000 | 3,425 |
| Average earning assets | $168,552,330 | 3,285 |
| Average equity | $12,345,000 | 4,536 |
| Average total loans | $90,428,670 | 3,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 5,308 |
| Cost of funding earning assets | 1.1180% | 1,307 |
| Net interest margin | 3.0238% | 6,241 |
| Noninterest income to average assets | 0.1040% | 6,720 |
| Noninterest expense to average assets | 3.1939% | 2,622 |
| Loan and lease loss provision to assets | 0.1130% | 3,941 |
| Net operating income to assets | -0.2938% | 6,705 |
| Return on assets (ROA) | -0.2938% | 6,743 |
| Pretax return on assets | -0.3051% | 6,735 |
| Return on Equity (ROE) | -4.2473% | 6,824 |
| Retained earnings to average equity (ytd only) | -4.2473% | 6,526 |
| Net charge-offs to loans | 0.0914% | 3,606 |
| Credit loss provision to net charge-offs | 238.0952% | 1,187 |
| Earnings coverage of net charge-offs (x) | -4.0476% | 4,654 |
| Efficiency ratio | 105.5723% | 420 |
| Assets per employee ($millions) | 4.8968% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 4,943 |
| Loan loss allowance to noncurrent loans | 59.6249% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 3,164 |
| Noncurrent loans to loans | 2.2085% | 2,908 |
| Net loans and leases to total assets | 51.3541% | 5,101 |
| Net loans and leases to deposits | 60.0452% | 5,141 |
| Net loans and leases to core deposits | 62.8019% | 5,245 |
| Total domestic deposits to total assets | 85.5256% | 3,775 |
| Equity capital to assets | 6.9070% | 6,950 |
| Core capital (leverage) ratio | 6.4248% | 6,979 |
| Tier 1 risk-based capital ratio | 12.2924% | 5,762 |
| Total risk-based capital ratio | 13.5427% | 5,727 |
| Memoranda: | ||
| Average total assets | $176,965,000 | 3,423 |
| Average earning assets | $169,590,500 | 3,296 |
| Average equity | $12,243,000 | 4,567 |
| Average total loans | $91,929,500 | 3,783 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 6,123 |
| Cost of funding earning assets | 1.2360% | 1,809 |
| Net interest margin | 2.9409% | 6,623 |
| Noninterest income to average assets | 0.1191% | 6,549 |
| Noninterest expense to average assets | 2.6480% | 4,930 |
| Loan and lease loss provision to assets | 0.3208% | 3,117 |
| Net operating income to assets | -0.0074% | 6,054 |
| Return on assets (ROA) | 0.0338% | 6,100 |
| Pretax return on assets | 0.0155% | 6,099 |
| Return on Equity (ROE) | 0.4905% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.4905% | 5,606 |
| Net charge-offs to loans | 0.8960% | 1,941 |
| Credit loss provision to net charge-offs | 67.9612% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 5,357 |
| Efficiency ratio | 89.1397% | 1,256 |
| Assets per employee ($millions) | 4.9346% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,020 |
| Loan loss allowance to noncurrent loans | 50.7315% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 3,403 |
| Noncurrent loans to loans | 2.5227% | 2,610 |
| Net loans and leases to total assets | 51.1934% | 5,441 |
| Net loans and leases to deposits | 59.9082% | 5,490 |
| Net loans and leases to core deposits | 62.5034% | 5,597 |
| Total domestic deposits to total assets | 85.4531% | 3,619 |
| Equity capital to assets | 6.9295% | 6,980 |
| Core capital (leverage) ratio | 6.3841% | 7,002 |
| Tier 1 risk-based capital ratio | 12.2886% | 5,620 |
| Total risk-based capital ratio | 13.5319% | 5,593 |
| Memoranda: | ||
| Average total assets | $174,583,200 | 3,419 |
| Average earning assets | $167,633,200 | 3,287 |
| Average equity | $12,029,000 | 4,546 |
| Average total loans | $91,965,000 | 3,812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 6,203 |
| Cost of funding earning assets | 1.2618% | 1,922 |
| Net interest margin | 2.9377% | 6,690 |
| Noninterest income to average assets | 0.1212% | 6,657 |
| Noninterest expense to average assets | 2.6832% | 4,793 |
| Loan and lease loss provision to assets | 0.3682% | 2,651 |
| Net operating income to assets | -0.0867% | 6,268 |
| Return on assets (ROA) | -0.0867% | 6,356 |
| Pretax return on assets | -0.1105% | 6,345 |
| Return on Equity (ROE) | -1.2598% | 6,407 |
| Retained earnings to average equity (ytd only) | -1.2598% | 6,193 |
| Net charge-offs to loans | 0.3800% | 3,212 |
| Credit loss provision to net charge-offs | 183.2061% | 1,618 |
| Earnings coverage of net charge-offs (x) | 1.2825% | 4,654 |
| Efficiency ratio | 90.4017% | 1,144 |
| Assets per employee ($millions) | 5.1328% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 2,804 |
| Loan loss allowance to noncurrent loans | 48.5247% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.3212% | 2,769 |
| Noncurrent loans to loans | 3.7888% | 1,784 |
| Net loans and leases to total assets | 49.3652% | 5,787 |
| Net loans and leases to deposits | 57.6312% | 5,876 |
| Net loans and leases to core deposits | 60.5046% | 5,941 |
| Total domestic deposits to total assets | 85.6570% | 3,411 |
| Equity capital to assets | 6.8840% | 7,070 |
| Core capital (leverage) ratio | 6.4769% | 7,077 |
| Tier 1 risk-based capital ratio | 12.4004% | 5,579 |
| Total risk-based capital ratio | 13.6573% | 5,565 |
| Memoranda: | ||
| Average total assets | $173,817,500 | 3,451 |
| Average earning assets | $166,841,000 | 3,305 |
| Average equity | $11,958,750 | 4,580 |
| Average total loans | $91,925,750 | 3,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 6,068 |
| Cost of funding earning assets | 1.2939% | 1,978 |
| Net interest margin | 2.9892% | 6,626 |
| Noninterest income to average assets | 0.1303% | 6,670 |
| Noninterest expense to average assets | 2.7264% | 4,719 |
| Loan and lease loss provision to assets | 0.2735% | 3,203 |
| Net operating income to assets | 0.0140% | 6,203 |
| Return on assets (ROA) | 0.0140% | 6,281 |
| Pretax return on assets | -0.0012% | 6,269 |
| Return on Equity (ROE) | 0.2030% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.2030% | 5,758 |
| Net charge-offs to loans | 0.5062% | 2,583 |
| Credit loss provision to net charge-offs | 100.4274% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 90.0660% | 1,232 |
| Assets per employee ($millions) | 4.6471% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,844 |
| Loan loss allowance to noncurrent loans | 38.6924% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 2,770 |
| Noncurrent loans to loans | 4.0432% | 1,713 |
| Net loans and leases to total assets | 52.8431% | 5,456 |
| Net loans and leases to deposits | 62.0346% | 5,499 |
| Net loans and leases to core deposits | 66.1004% | 5,501 |
| Total domestic deposits to total assets | 85.1833% | 3,792 |
| Equity capital to assets | 7.0547% | 7,087 |
| Core capital (leverage) ratio | 6.7787% | 7,063 |
| Tier 1 risk-based capital ratio | 12.5550% | 5,286 |
| Total risk-based capital ratio | 13.8092% | 5,262 |
| Memoranda: | ||
| Average total assets | $171,873,670 | 3,500 |
| Average earning assets | $164,924,670 | 3,354 |
| Average equity | $11,822,670 | 4,602 |
| Average total loans | $92,452,670 | 3,878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 6,096 |
| Cost of funding earning assets | 1.3511% | 1,882 |
| Net interest margin | 2.9204% | 6,724 |
| Noninterest income to average assets | 0.1047% | 6,888 |
| Noninterest expense to average assets | 2.7467% | 4,655 |
| Loan and lease loss provision to assets | 0.2444% | 3,223 |
| Net operating income to assets | -0.0698% | 6,426 |
| Return on assets (ROA) | -0.0698% | 6,445 |
| Pretax return on assets | -0.0838% | 6,436 |
| Return on Equity (ROE) | -1.0284% | 6,488 |
| Retained earnings to average equity (ytd only) | -1.0284% | 5,992 |
| Net charge-offs to loans | 0.4107% | 2,455 |
| Credit loss provision to net charge-offs | 110.5263% | 2,421 |
| Earnings coverage of net charge-offs (x) | 0.7263% | 4,090 |
| Efficiency ratio | 93.5949% | 1,061 |
| Assets per employee ($millions) | 4.9531% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,912 |
| Loan loss allowance to noncurrent loans | 38.7157% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.5277% | 2,702 |
| Noncurrent loans to loans | 4.0321% | 1,800 |
| Net loans and leases to total assets | 52.8525% | 5,478 |
| Net loans and leases to deposits | 61.7313% | 5,535 |
| Net loans and leases to core deposits | 64.7854% | 5,642 |
| Total domestic deposits to total assets | 85.6170% | 3,726 |
| Equity capital to assets | 6.6850% | 7,168 |
| Core capital (leverage) ratio | 6.5489% | 7,160 |
| Tier 1 risk-based capital ratio | 12.0354% | 5,661 |
| Total risk-based capital ratio | 13.2869% | 5,649 |
| Memoranda: | ||
| Average total assets | $171,840,000 | 3,522 |
| Average earning assets | $164,908,000 | 3,379 |
| Average equity | $11,669,000 | 4,628 |
| Average total loans | $92,527,500 | 3,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 5,798 |
| Cost of funding earning assets | 1.5214% | 2,523 |
| Net interest margin | 3.1798% | 6,317 |
| Noninterest income to average assets | 0.1279% | 6,758 |
| Noninterest expense to average assets | 2.7664% | 4,722 |
| Loan and lease loss provision to assets | 0.4373% | 3,498 |
| Net operating income to assets | 0.0143% | 5,793 |
| Return on assets (ROA) | 0.2017% | 5,434 |
| Pretax return on assets | 0.1606% | 5,570 |
| Return on Equity (ROE) | 2.8668% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.8668% | 3,846 |
| Net charge-offs to loans | 0.7733% | 2,702 |
| Credit loss provision to net charge-offs | 97.3510% | 4,766 |
| Earnings coverage of net charge-offs (x) | 0.9139% | 5,198 |
| Efficiency ratio | 86.2734% | 1,664 |
| Assets per employee ($millions) | 4.7312% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,701 |
| Loan loss allowance to noncurrent loans | 39.3939% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 2,898 |
| Noncurrent loans to loans | 3.9825% | 1,825 |
| Net loans and leases to total assets | 53.1552% | 5,760 |
| Net loans and leases to deposits | 63.1857% | 5,722 |
| Net loans and leases to core deposits | 65.3545% | 5,941 |
| Total domestic deposits to total assets | 84.1254% | 4,308 |
| Equity capital to assets | 6.8981% | 7,141 |
| Core capital (leverage) ratio | 6.5766% | 7,179 |
| Tier 1 risk-based capital ratio | 12.5858% | 4,948 |
| Total risk-based capital ratio | 13.8390% | 4,933 |
| Memoranda: | ||
| Average total assets | $168,089,800 | 3,575 |
| Average earning assets | $161,171,800 | 3,427 |
| Average equity | $11,825,200 | 4,661 |
| Average total loans | $97,638,200 | 3,866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 5,652 |
| Cost of funding earning assets | 1.5525% | 2,653 |
| Net interest margin | 3.2495% | 6,173 |
| Noninterest income to average assets | 0.1226% | 6,940 |
| Noninterest expense to average assets | 2.7926% | 4,521 |
| Loan and lease loss provision to assets | 0.4735% | 3,111 |
| Net operating income to assets | 0.0183% | 5,960 |
| Return on assets (ROA) | 0.1918% | 5,689 |
| Pretax return on assets | 0.1449% | 5,842 |
| Return on Equity (ROE) | 2.7130% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.7130% | 4,529 |
| Net charge-offs to loans | 0.9570% | 2,081 |
| Credit loss provision to net charge-offs | 83.6850% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.7862% | 5,261 |
| Efficiency ratio | 85.4720% | 1,684 |
| Assets per employee ($millions) | 4.7726% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,449 |
| Loan loss allowance to noncurrent loans | 37.8477% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 3,147 |
| Noncurrent loans to loans | 3.7017% | 2,101 |
| Net loans and leases to total assets | 53.6843% | 5,893 |
| Net loans and leases to deposits | 62.8016% | 6,046 |
| Net loans and leases to core deposits | 65.5355% | 6,160 |
| Total domestic deposits to total assets | 85.4824% | 3,358 |
| Equity capital to assets | 6.8890% | 7,369 |
| Core capital (leverage) ratio | 6.5053% | 7,333 |
| Tier 1 risk-based capital ratio | 11.8396% | 5,597 |
| Total risk-based capital ratio | 13.0926% | 5,576 |
| Memoranda: | ||
| Average total assets | $167,531,750 | 3,629 |
| Average earning assets | $160,595,500 | 3,486 |
| Average equity | $11,844,250 | 4,724 |
| Average total loans | $99,053,250 | 3,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 5,229 |
| Cost of funding earning assets | 1.5847% | 2,747 |
| Net interest margin | 3.3549% | 5,820 |
| Noninterest income to average assets | 0.1143% | 7,034 |
| Noninterest expense to average assets | 2.8715% | 4,178 |
| Loan and lease loss provision to assets | 0.5349% | 2,644 |
| Net operating income to assets | -0.0109% | 6,093 |
| Return on assets (ROA) | 0.2127% | 5,651 |
| Pretax return on assets | 0.1410% | 5,901 |
| Return on Equity (ROE) | 2.9819% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.9819% | 4,226 |
| Net charge-offs to loans | 1.1277% | 1,677 |
| Credit loss provision to net charge-offs | 78.0142% | 4,764 |
| Earnings coverage of net charge-offs (x) | 0.6596% | 5,086 |
| Efficiency ratio | 85.5889% | 1,762 |
| Assets per employee ($millions) | 4.5165% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,549 |
| Loan loss allowance to noncurrent loans | 37.6653% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 2.2889% | 3,145 |
| Noncurrent loans to loans | 3.6546% | 2,154 |
| Net loans and leases to total assets | 57.4082% | 5,504 |
| Net loans and leases to deposits | 67.7519% | 5,582 |
| Net loans and leases to core deposits | 71.1617% | 5,755 |
| Total domestic deposits to total assets | 84.7330% | 3,758 |
| Equity capital to assets | 7.2299% | 7,262 |
| Core capital (leverage) ratio | 6.8399% | 7,267 |
| Tier 1 risk-based capital ratio | 11.7717% | 5,522 |
| Total risk-based capital ratio | 13.0240% | 5,483 |
| Memoranda: | ||
| Average total assets | $164,513,670 | 3,700 |
| Average earning assets | $157,381,670 | 3,564 |
| Average equity | $11,737,330 | 4,752 |
| Average total loans | $100,022,330 | 3,900 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 4,917 |
| Cost of funding earning assets | 1.6382% | 2,722 |
| Net interest margin | 3.3837% | 5,645 |
| Noninterest income to average assets | 0.1152% | 7,115 |
| Noninterest expense to average assets | 2.8894% | 4,107 |
| Loan and lease loss provision to assets | 0.7352% | 1,726 |
| Net operating income to assets | -0.2132% | 6,557 |
| Return on assets (ROA) | 0.2377% | 5,665 |
| Pretax return on assets | 0.1863% | 5,919 |
| Return on Equity (ROE) | 3.3550% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.3550% | 4,144 |
| Net charge-offs to loans | 1.8107% | 958 |
| Credit loss provision to net charge-offs | 65.3595% | 4,194 |
| Earnings coverage of net charge-offs (x) | 0.4183% | 4,658 |
| Efficiency ratio | 85.1933% | 1,889 |
| Assets per employee ($millions) | 4.4135% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 5,009 |
| Loan loss allowance to noncurrent loans | 35.6576% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2580% | 3,200 |
| Noncurrent loans to loans | 3.6064% | 2,206 |
| Net loans and leases to total assets | 59.6843% | 5,173 |
| Net loans and leases to deposits | 70.2065% | 5,314 |
| Net loans and leases to core deposits | 74.9553% | 5,394 |
| Total domestic deposits to total assets | 85.0126% | 3,675 |
| Equity capital to assets | 6.9744% | 7,385 |
| Core capital (leverage) ratio | 6.7573% | 7,373 |
| Tier 1 risk-based capital ratio | 11.0864% | 6,078 |
| Total risk-based capital ratio | 12.3368% | 6,046 |
| Memoranda: | ||
| Average total assets | $163,214,500 | 3,779 |
| Average earning assets | $156,514,000 | 3,638 |
| Average equity | $11,565,000 | 4,827 |
| Average total loans | $101,396,000 | 3,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 5,089 |
| Cost of funding earning assets | 2.1133% | 2,398 |
| Net interest margin | 3.2055% | 6,070 |
| Noninterest income to average assets | 0.1350% | 7,081 |
| Noninterest expense to average assets | 2.8806% | 4,606 |
| Loan and lease loss provision to assets | 0.5079% | 3,835 |
| Net operating income to assets | -0.1061% | 5,690 |
| Return on assets (ROA) | -0.0441% | 5,599 |
| Pretax return on assets | -0.0809% | 5,574 |
| Return on Equity (ROE) | -0.5649% | 5,632 |
| Retained earnings to average equity (ytd only) | -0.5649% | 5,128 |
| Net charge-offs to loans | 0.4020% | 4,216 |
| Credit loss provision to net charge-offs | 186.7322% | 2,171 |
| Earnings coverage of net charge-offs (x) | 1.2138% | 4,912 |
| Efficiency ratio | 88.8218% | 1,815 |
| Assets per employee ($millions) | 4.4088% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 4,019 |
| Loan loss allowance to noncurrent loans | 37.1226% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.6532% | 2,649 |
| Noncurrent loans to loans | 3.8870% | 1,909 |
| Net loans and leases to total assets | 62.9594% | 4,827 |
| Net loans and leases to deposits | 74.6641% | 4,929 |
| Net loans and leases to core deposits | 83.9665% | 5,716 |
| Total domestic deposits to total assets | 84.3235% | 3,878 |
| Equity capital to assets | 7.2035% | 7,259 |
| Core capital (leverage) ratio | 6.9045% | 7,309 |
| Tier 1 risk-based capital ratio | 10.9321% | 5,979 |
| Total risk-based capital ratio | 12.1838% | 5,957 |
| Memoranda: | ||
| Average total assets | $149,623,400 | 3,965 |
| Average earning assets | $143,567,600 | 3,825 |
| Average equity | $11,683,000 | 4,816 |
| Average total loans | $101,245,400 | 3,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 5,276 |
| Cost of funding earning assets | 2.2007% | 2,415 |
| Net interest margin | 3.1291% | 6,239 |
| Noninterest income to average assets | 0.1366% | 7,199 |
| Noninterest expense to average assets | 2.8584% | 4,627 |
| Loan and lease loss provision to assets | 0.4796% | 3,506 |
| Net operating income to assets | -0.1973% | 6,059 |
| Return on assets (ROA) | -0.0661% | 5,880 |
| Pretax return on assets | -0.0661% | 5,802 |
| Return on Equity (ROE) | -0.8287% | 5,906 |
| Retained earnings to average equity (ytd only) | -0.8287% | 5,447 |
| Net charge-offs to loans | 0.3913% | 3,701 |
| Credit loss provision to net charge-offs | 178.4512% | 2,579 |
| Earnings coverage of net charge-offs (x) | 1.0505% | 5,004 |
| Efficiency ratio | 90.0893% | 1,683 |
| Assets per employee ($millions) | 4.2778% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,328 |
| Loan loss allowance to noncurrent loans | 35.5009% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5859% | 2,690 |
| Noncurrent loans to loans | 3.7422% | 1,993 |
| Net loans and leases to total assets | 63.0191% | 5,060 |
| Net loans and leases to deposits | 75.0907% | 5,197 |
| Net loans and leases to core deposits | 83.9620% | 6,038 |
| Total domestic deposits to total assets | 83.9240% | 3,754 |
| Equity capital to assets | 7.4710% | 7,314 |
| Core capital (leverage) ratio | 7.1469% | 7,307 |
| Tier 1 risk-based capital ratio | 11.1002% | 5,854 |
| Total risk-based capital ratio | 12.3512% | 5,804 |
| Memoranda: | ||
| Average total assets | $147,350,500 | 4,016 |
| Average earning assets | $141,465,250 | 3,901 |
| Average equity | $11,745,500 | 4,855 |
| Average total loans | $101,209,500 | 3,953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 5,287 |
| Cost of funding earning assets | 2.3067% | 2,335 |
| Net interest margin | 3.0669% | 6,344 |
| Noninterest income to average assets | 0.1364% | 7,277 |
| Noninterest expense to average assets | 2.9156% | 4,449 |
| Loan and lease loss provision to assets | 0.5915% | 2,671 |
| Net operating income to assets | -0.4175% | 6,464 |
| Return on assets (ROA) | -0.2157% | 6,232 |
| Pretax return on assets | -0.2157% | 6,141 |
| Return on Equity (ROE) | -2.6453% | 6,319 |
| Retained earnings to average equity (ytd only) | -2.6453% | 5,898 |
| Net charge-offs to loans | 0.5867% | 2,572 |
| Credit loss provision to net charge-offs | 143.0976% | 3,244 |
| Earnings coverage of net charge-offs (x) | 0.4209% | 5,274 |
| Efficiency ratio | 93.3784% | 1,540 |
| Assets per employee ($millions) | 4.3206% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,795 |
| Loan loss allowance to noncurrent loans | 48.7978% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.8860% | 3,355 |
| Noncurrent loans to loans | 2.5069% | 2,885 |
| Net loans and leases to total assets | 66.1044% | 4,547 |
| Net loans and leases to deposits | 79.2596% | 4,664 |
| Net loans and leases to core deposits | 87.5747% | 5,759 |
| Total domestic deposits to total assets | 83.4023% | 4,065 |
| Equity capital to assets | 7.5922% | 7,184 |
| Core capital (leverage) ratio | 7.5524% | 6,957 |
| Tier 1 risk-based capital ratio | 11.1645% | 5,712 |
| Total risk-based capital ratio | 12.4148% | 5,631 |
| Memoranda: | ||
| Average total assets | $143,707,670 | 4,106 |
| Average earning assets | $138,378,670 | 3,985 |
| Average equity | $11,719,000 | 4,886 |
| Average total loans | $101,249,670 | 3,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 4,704 |
| Cost of funding earning assets | 2.4797% | 1,991 |
| Net interest margin | 3.0588% | 6,306 |
| Noninterest income to average assets | 0.1258% | 7,395 |
| Noninterest expense to average assets | 2.9610% | 3,936 |
| Loan and lease loss provision to assets | 0.5430% | 2,300 |
| Net operating income to assets | -0.4344% | 6,816 |
| Return on assets (ROA) | -0.4344% | 6,884 |
| Pretax return on assets | -0.4344% | 6,769 |
| Return on Equity (ROE) | -5.1360% | 6,985 |
| Retained earnings to average equity (ytd only) | -5.1360% | 6,563 |
| Net charge-offs to loans | 0.7228% | 1,744 |
| Credit loss provision to net charge-offs | 103.8251% | 3,631 |
| Earnings coverage of net charge-offs (x) | 0.2077% | 4,816 |
| Efficiency ratio | 95.4376% | 1,348 |
| Assets per employee ($millions) | 4.1440% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,469 |
| Loan loss allowance to noncurrent loans | 60.3132% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 4,123 |
| Noncurrent loans to loans | 1.8241% | 3,527 |
| Net loans and leases to total assets | 69.2310% | 3,864 |
| Net loans and leases to deposits | 84.0162% | 3,982 |
| Net loans and leases to core deposits | 93.4117% | 5,213 |
| Total domestic deposits to total assets | 82.4020% | 4,407 |
| Equity capital to assets | 8.1275% | 6,635 |
| Core capital (leverage) ratio | 7.8187% | 6,723 |
| Tier 1 risk-based capital ratio | 11.3693% | 5,537 |
| Total risk-based capital ratio | 12.5387% | 5,523 |
| Memoranda: | ||
| Average total assets | $139,951,500 | 4,188 |
| Average earning assets | $134,695,500 | 4,060 |
| Average equity | $11,838,000 | 4,891 |
| Average total loans | $101,274,000 | 4,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 4,023 |
| Cost of funding earning assets | 3.0156% | 1,816 |
| Net interest margin | 3.2740% | 6,123 |
| Noninterest income to average assets | 0.1550% | 7,317 |
| Noninterest expense to average assets | 3.0239% | 3,991 |
| Loan and lease loss provision to assets | 0.1608% | 5,322 |
| Net operating income to assets | 0.1402% | 6,003 |
| Return on assets (ROA) | 0.1814% | 5,740 |
| Pretax return on assets | 0.1559% | 5,832 |
| Return on Equity (ROE) | 1.9147% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.9147% | 4,043 |
| Net charge-offs to loans | 0.0161% | 6,652 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 22.2667% | 1,480 |
| Efficiency ratio | 90.5774% | 1,470 |
| Assets per employee ($millions) | 3.7462% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,308 |
| Loan loss allowance to noncurrent loans | 73.9507% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1130% | 4,049 |
| Noncurrent loans to loans | 1.4859% | 3,575 |
| Net loans and leases to total assets | 74.0813% | 3,082 |
| Net loans and leases to deposits | 91.4851% | 3,218 |
| Net loans and leases to core deposits | 103.5928% | 4,435 |
| Total domestic deposits to total assets | 80.9764% | 4,649 |
| Equity capital to assets | 8.8148% | 5,627 |
| Core capital (leverage) ratio | 8.4147% | 5,728 |
| Tier 1 risk-based capital ratio | 11.8562% | 4,937 |
| Total risk-based capital ratio | 13.0535% | 4,892 |
| Memoranda: | ||
| Average total assets | $121,267,200 | 4,489 |
| Average earning assets | $116,462,600 | 4,354 |
| Average equity | $11,489,800 | 4,972 |
| Average total loans | $93,047,400 | 4,132 |