Home > Anderen Bank > Performance and Condition Ratios
Anderen Bank, Performance and Condition Ratios
| 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 | 4.5371% | 3,768 |
| Cost of funding earning assets | 0.9053% | 2,645 |
| Net interest margin | 3.6318% | 4,121 |
| Noninterest income to average assets | 0.1507% | 6,488 |
| Noninterest expense to average assets | 3.6465% | 1,471 |
| Loan and lease loss provision to assets | -0.4600% | 7,254 |
| Net operating income to assets | 0.1864% | 6,022 |
| Return on assets (ROA) | 0.1864% | 6,165 |
| Pretax return on assets | 0.3450% | 5,872 |
| Return on Equity (ROE) | 1.0040% | 6,344 |
| Retained earnings to average equity (ytd only) | 1.0040% | 5,670 |
| Net charge-offs to loans | -0.5798% | 7,161 |
| Credit loss provision to net charge-offs | 110.4762% | 2,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2566% | 463 |
| Assets per employee ($millions) | 5.0960% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 2,024 |
| Loan loss allowance to noncurrent loans | 21.3478% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 7.8191% | 502 |
| Noncurrent loans to loans | 9.9713% | 308 |
| Net loans and leases to total assets | 70.7906% | 1,613 |
| Net loans and leases to deposits | 87.3614% | 1,244 |
| Net loans and leases to core deposits | 96.3974% | 1,264 |
| Total domestic deposits to total assets | 81.0319% | 5,597 |
| Equity capital to assets | 18.8559% | 290 |
| Core capital (leverage) ratio | 16.7095% | 392 |
| Tier 1 risk-based capital ratio | 20.6511% | 1,552 |
| Total risk-based capital ratio | 21.8949% | 1,529 |
| Memoranda: | ||
| Average total assets | $201,725,500 | 3,088 |
| Average earning assets | $187,784,500 | 3,042 |
| Average equity | $37,449,500 | 1,865 |
| Average total loans | $144,884,000 | 2,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 3,255 |
| Cost of funding earning assets | 1.1992% | 2,028 |
| Net interest margin | 3.7230% | 4,188 |
| Noninterest income to average assets | 0.1565% | 6,372 |
| Noninterest expense to average assets | 3.2054% | 2,842 |
| Loan and lease loss provision to assets | -0.0548% | 7,250 |
| Net operating income to assets | 0.2253% | 5,504 |
| Return on assets (ROA) | 0.5033% | 4,619 |
| Pretax return on assets | 0.8686% | 3,714 |
| Return on Equity (ROE) | 2.8125% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.8125% | 4,244 |
| Net charge-offs to loans | 0.7760% | 2,215 |
| Credit loss provision to net charge-offs | -9.9644% | 6,614 |
| Earnings coverage of net charge-offs (x) | 0.6904% | 5,295 |
| Efficiency ratio | 89.4134% | 1,233 |
| Assets per employee ($millions) | 4.6524% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1107% | 1,977 |
| Loan loss allowance to noncurrent loans | 40.1250% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 4.3643% | 1,271 |
| Noncurrent loans to loans | 5.2604% | 1,033 |
| Net loans and leases to total assets | 69.8237% | 2,066 |
| Net loans and leases to deposits | 85.5738% | 1,724 |
| Net loans and leases to core deposits | 96.7457% | 1,433 |
| Total domestic deposits to total assets | 81.5947% | 5,269 |
| Equity capital to assets | 18.2817% | 331 |
| Core capital (leverage) ratio | 16.0443% | 456 |
| Tier 1 risk-based capital ratio | 20.3664% | 1,552 |
| Total risk-based capital ratio | 21.6247% | 1,527 |
| Memoranda: | ||
| Average total assets | $204,466,800 | 3,004 |
| Average earning assets | $188,288,200 | 2,985 |
| Average equity | $36,587,200 | 1,844 |
| Average total loans | $144,839,200 | 2,714 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 3,617 |
| Cost of funding earning assets | 1.2430% | 2,040 |
| Net interest margin | 3.6453% | 4,588 |
| Noninterest income to average assets | 0.0737% | 6,868 |
| Noninterest expense to average assets | 3.1531% | 2,983 |
| Loan and lease loss provision to assets | -0.0809% | 7,350 |
| Net operating income to assets | 0.1779% | 5,761 |
| Return on assets (ROA) | 0.5486% | 4,511 |
| Pretax return on assets | 0.9282% | 3,659 |
| Return on Equity (ROE) | 3.0824% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.0824% | 4,491 |
| Net charge-offs to loans | 1.0912% | 1,456 |
| Credit loss provision to net charge-offs | -10.4818% | 6,410 |
| Earnings coverage of net charge-offs (x) | 0.3474% | 5,348 |
| Efficiency ratio | 92.1640% | 1,024 |
| Assets per employee ($millions) | 4.7341% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 2,074 |
| Loan loss allowance to noncurrent loans | 50.8701% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 4.1844% | 1,460 |
| Noncurrent loans to loans | 4.1138% | 1,607 |
| Net loans and leases to total assets | 69.2011% | 2,241 |
| Net loans and leases to deposits | 84.8078% | 1,876 |
| Net loans and leases to core deposits | 95.7309% | 1,634 |
| Total domestic deposits to total assets | 81.5976% | 5,222 |
| Equity capital to assets | 18.2442% | 361 |
| Core capital (leverage) ratio | 15.9973% | 506 |
| Tier 1 risk-based capital ratio | 20.1525% | 1,651 |
| Total risk-based capital ratio | 21.4099% | 1,616 |
| Memoranda: | ||
| Average total assets | $204,406,750 | 3,029 |
| Average earning assets | $187,708,250 | 3,001 |
| Average equity | $36,378,000 | 1,853 |
| Average total loans | $144,545,000 | 2,740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 4,143 |
| Cost of funding earning assets | 1.2822% | 2,053 |
| Net interest margin | 3.5053% | 5,139 |
| Noninterest income to average assets | 0.0713% | 6,955 |
| Noninterest expense to average assets | 3.0427% | 3,468 |
| Loan and lease loss provision to assets | 0.0342% | 5,885 |
| Net operating income to assets | 0.0942% | 6,031 |
| Return on assets (ROA) | 0.5169% | 4,569 |
| Pretax return on assets | 0.8765% | 3,730 |
| Return on Equity (ROE) | 2.9288% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.9288% | 4,421 |
| Net charge-offs to loans | 1.5763% | 935 |
| Credit loss provision to net charge-offs | 3.0675% | 5,311 |
| Earnings coverage of net charge-offs (x) | 0.2244% | 5,140 |
| Efficiency ratio | 92.4036% | 1,073 |
| Assets per employee ($millions) | 5.0566% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,958 |
| Loan loss allowance to noncurrent loans | 70.2691% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 3.6104% | 1,818 |
| Noncurrent loans to loans | 3.1054% | 2,319 |
| Net loans and leases to total assets | 69.4495% | 2,333 |
| Net loans and leases to deposits | 85.2954% | 1,893 |
| Net loans and leases to core deposits | 97.1768% | 1,565 |
| Total domestic deposits to total assets | 81.4223% | 5,381 |
| Equity capital to assets | 17.4822% | 427 |
| Core capital (leverage) ratio | 15.2069% | 628 |
| Tier 1 risk-based capital ratio | 19.2937% | 1,759 |
| Total risk-based capital ratio | 20.5523% | 1,730 |
| Memoranda: | ||
| Average total assets | $204,687,000 | 3,045 |
| Average earning assets | $188,113,000 | 3,024 |
| Average equity | $36,124,330 | 1,854 |
| Average total loans | $144,766,330 | 2,764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 4,110 |
| Cost of funding earning assets | 1.3040% | 2,153 |
| Net interest margin | 3.4845% | 5,078 |
| Noninterest income to average assets | 0.0452% | 7,157 |
| Noninterest expense to average assets | 2.9640% | 3,799 |
| Loan and lease loss provision to assets | 0.0197% | 5,702 |
| Net operating income to assets | 0.1352% | 5,988 |
| Return on assets (ROA) | 0.2006% | 5,842 |
| Pretax return on assets | 0.3698% | 5,435 |
| Return on Equity (ROE) | 1.1313% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.1313% | 5,370 |
| Net charge-offs to loans | 0.7718% | 1,670 |
| Credit loss provision to net charge-offs | 3.6101% | 4,445 |
| Earnings coverage of net charge-offs (x) | 0.5271% | 4,228 |
| Efficiency ratio | 91.1676% | 1,230 |
| Assets per employee ($millions) | 5.7083% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9102% | 995 |
| Loan loss allowance to noncurrent loans | 86.1915% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 3.4923% | 1,953 |
| Noncurrent loans to loans | 3.3765% | 2,219 |
| Net loans and leases to total assets | 63.9879% | 3,444 |
| Net loans and leases to deposits | 77.2591% | 3,204 |
| Net loans and leases to core deposits | 87.6536% | 2,650 |
| Total domestic deposits to total assets | 82.8225% | 4,986 |
| Equity capital to assets | 17.0832% | 435 |
| Core capital (leverage) ratio | 15.7954% | 539 |
| Tier 1 risk-based capital ratio | 19.6603% | 1,657 |
| Total risk-based capital ratio | 20.9116% | 1,633 |
| Memoranda: | ||
| Average total assets | $203,371,000 | 3,076 |
| Average earning assets | $187,114,000 | 3,055 |
| Average equity | $36,064,500 | 1,831 |
| Average total loans | $143,552,500 | 2,813 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 4,694 |
| Cost of funding earning assets | 1.4945% | 2,680 |
| Net interest margin | 3.4753% | 5,341 |
| Noninterest income to average assets | 0.0513% | 7,096 |
| Noninterest expense to average assets | 3.4242% | 2,367 |
| Loan and lease loss provision to assets | 2.8089% | 363 |
| Net operating income to assets | -1.9600% | 7,045 |
| Return on assets (ROA) | -1.9600% | 7,059 |
| Pretax return on assets | -2.9889% | 7,291 |
| Return on Equity (ROE) | -9.1822% | 6,688 |
| Retained earnings to average equity (ytd only) | -9.1822% | 6,608 |
| Net charge-offs to loans | 1.6959% | 1,277 |
| Credit loss provision to net charge-offs | 235.9981% | 1,241 |
| Earnings coverage of net charge-offs (x) | -0.1513% | 6,260 |
| Efficiency ratio | 105.5497% | 634 |
| Assets per employee ($millions) | 5.4315% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9194% | 934 |
| Loan loss allowance to noncurrent loans | 61.2395% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.6060% | 1,909 |
| Noncurrent loans to loans | 4.7672% | 1,449 |
| Net loans and leases to total assets | 73.4339% | 1,780 |
| Net loans and leases to deposits | 90.2224% | 1,493 |
| Net loans and leases to core deposits | 103.8874% | 1,323 |
| Total domestic deposits to total assets | 81.3921% | 5,391 |
| Equity capital to assets | 18.4356% | 348 |
| Core capital (leverage) ratio | 16.0634% | 504 |
| Tier 1 risk-based capital ratio | 19.5549% | 1,586 |
| Total risk-based capital ratio | 20.8232% | 1,546 |
| Memoranda: | ||
| Average total assets | $175,514,400 | 3,449 |
| Average earning assets | $161,252,800 | 3,425 |
| Average equity | $37,463,600 | 1,763 |
| Average total loans | $123,176,200 | 3,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 5,481 |
| Cost of funding earning assets | 1.5152% | 2,878 |
| Net interest margin | 3.3315% | 5,922 |
| Noninterest income to average assets | 0.0477% | 7,286 |
| Noninterest expense to average assets | 3.4531% | 2,152 |
| Loan and lease loss provision to assets | 1.5717% | 831 |
| Net operating income to assets | -1.2965% | 7,032 |
| Return on assets (ROA) | -1.2965% | 7,057 |
| Pretax return on assets | -1.9236% | 7,179 |
| Return on Equity (ROE) | -5.8455% | 6,705 |
| Retained earnings to average equity (ytd only) | -5.8455% | 6,617 |
| Net charge-offs to loans | 1.4485% | 1,402 |
| Credit loss provision to net charge-offs | 158.1432% | 2,414 |
| Earnings coverage of net charge-offs (x) | -0.3541% | 6,269 |
| Efficiency ratio | 111.3464% | 500 |
| Assets per employee ($millions) | 5.4980% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,983 |
| Loan loss allowance to noncurrent loans | 39.8992% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.8061% | 2,591 |
| Noncurrent loans to loans | 3.7503% | 2,063 |
| Net loans and leases to total assets | 73.7032% | 1,861 |
| Net loans and leases to deposits | 91.4786% | 1,516 |
| Net loans and leases to core deposits | 106.7396% | 1,259 |
| Total domestic deposits to total assets | 80.5688% | 5,519 |
| Equity capital to assets | 19.2417% | 336 |
| Core capital (leverage) ratio | 17.1730% | 416 |
| Tier 1 risk-based capital ratio | 21.0160% | 1,355 |
| Total risk-based capital ratio | 22.2678% | 1,331 |
| Memoranda: | ||
| Average total assets | $170,509,250 | 3,570 |
| Average earning assets | $156,284,000 | 3,565 |
| Average equity | $37,817,500 | 1,759 |
| Average total loans | $116,993,500 | 3,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 6,975 |
| Cost of funding earning assets | 1.4860% | 3,330 |
| Net interest margin | 2.8618% | 7,064 |
| Noninterest income to average assets | 0.0483% | 7,338 |
| Noninterest expense to average assets | 3.7430% | 1,466 |
| Loan and lease loss provision to assets | 0.9729% | 1,496 |
| Net operating income to assets | -1.3361% | 7,091 |
| Return on assets (ROA) | -1.3361% | 7,106 |
| Pretax return on assets | -2.0636% | 7,255 |
| Return on Equity (ROE) | -5.7145% | 6,758 |
| Retained earnings to average equity (ytd only) | -5.7145% | 6,634 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.1215% | 247 |
| Assets per employee ($millions) | 5.5338% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,435 |
| Loan loss allowance to noncurrent loans | 54.6377% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.2004% | 3,258 |
| Noncurrent loans to loans | 2.9332% | 2,725 |
| Net loans and leases to total assets | 73.8148% | 1,947 |
| Net loans and leases to deposits | 98.1276% | 866 |
| Net loans and leases to core deposits | 116.0485% | 842 |
| Total domestic deposits to total assets | 75.2232% | 6,820 |
| Equity capital to assets | 20.0704% | 281 |
| Core capital (leverage) ratio | 22.2826% | 172 |
| Tier 1 risk-based capital ratio | 22.2421% | 1,168 |
| Total risk-based capital ratio | 23.4951% | 1,144 |
| Memoranda: | ||
| Average total assets | $161,369,330 | 3,757 |
| Average earning assets | $146,833,000 | 3,769 |
| Average equity | $37,728,330 | 1,762 |
| Average total loans | $106,626,000 | 3,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 6,781 |
| Cost of funding earning assets | 1.6016% | 2,952 |
| Net interest margin | 2.9033% | 7,017 |
| Noninterest income to average assets | 0.0460% | 7,481 |
| Noninterest expense to average assets | 4.2465% | 768 |
| Loan and lease loss provision to assets | 0.3136% | 3,542 |
| Net operating income to assets | -1.2245% | 7,229 |
| Return on assets (ROA) | -1.2245% | 7,249 |
| Pretax return on assets | -1.8976% | 7,384 |
| Return on Equity (ROE) | -4.8049% | 6,875 |
| Retained earnings to average equity (ytd only) | -4.8049% | 6,577 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.4924% | 181 |
| Assets per employee ($millions) | 4.5839% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 3,060 |
| Loan loss allowance to noncurrent loans | 29.1758% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 3.7223% | 1,871 |
| Noncurrent loans to loans | 5.8267% | 1,145 |
| Net loans and leases to total assets | 62.7972% | 4,589 |
| Net loans and leases to deposits | 85.9353% | 2,597 |
| Net loans and leases to core deposits | 105.7311% | 1,599 |
| Total domestic deposits to total assets | 73.0750% | 7,151 |
| Equity capital to assets | 25.7054% | 135 |
| Core capital (leverage) ratio | 23.8624% | 154 |
| Tier 1 risk-based capital ratio | 32.4649% | 422 |
| Total risk-based capital ratio | 33.7177% | 416 |
| Memoranda: | ||
| Average total assets | $147,980,000 | 4,038 |
| Average earning assets | $133,365,500 | 4,092 |
| Average equity | $37,711,500 | 1,785 |
| Average total loans | $89,367,500 | 4,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 7,145 |
| Cost of funding earning assets | 1.9067% | 3,430 |
| Net interest margin | 2.7872% | 7,082 |
| Noninterest income to average assets | 0.0376% | 7,563 |
| Noninterest expense to average assets | 4.7400% | 636 |
| Loan and lease loss provision to assets | 0.7580% | 2,838 |
| Net operating income to assets | -1.8866% | 7,044 |
| Return on assets (ROA) | -2.3916% | 7,235 |
| Pretax return on assets | -3.7467% | 7,474 |
| Return on Equity (ROE) | -7.4472% | 6,426 |
| Retained earnings to average equity (ytd only) | -7.4472% | 6,286 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.5916% | 170 |
| Assets per employee ($millions) | 5.1474% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 2,757 |
| Loan loss allowance to noncurrent loans | 30.2416% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 3.2718% | 2,096 |
| Noncurrent loans to loans | 5.7440% | 1,111 |
| Net loans and leases to total assets | 55.9712% | 5,956 |
| Net loans and leases to deposits | 77.2605% | 4,514 |
| Net loans and leases to core deposits | 127.2751% | 1,430 |
| Total domestic deposits to total assets | 72.4448% | 7,207 |
| Equity capital to assets | 25.2668% | 160 |
| Core capital (leverage) ratio | 24.1312% | 168 |
| Tier 1 risk-based capital ratio | 34.9357% | 344 |
| Total risk-based capital ratio | 36.1890% | 340 |
| Memoranda: | ||
| Average total assets | $122,426,600 | 4,504 |
| Average earning assets | $109,929,800 | 4,565 |
| Average equity | $39,316,600 | 1,707 |
| Average total loans | $70,572,600 | 4,850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6774% | 7,317 |
| Cost of funding earning assets | 1.9348% | 3,686 |
| Net interest margin | 2.7426% | 7,145 |
| Noninterest income to average assets | 0.0311% | 7,727 |
| Noninterest expense to average assets | 4.5928% | 663 |
| Loan and lease loss provision to assets | 0.9713% | 1,978 |
| Net operating income to assets | -1.9528% | 7,294 |
| Return on assets (ROA) | -2.6651% | 7,511 |
| Pretax return on assets | -4.1814% | 7,715 |
| Return on Equity (ROE) | -7.7648% | 6,709 |
| Retained earnings to average equity (ytd only) | -7.7648% | 6,574 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.0259% | 183 |
| Assets per employee ($millions) | 5.0970% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 2,492 |
| 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 | 57.1891% | 6,012 |
| Net loans and leases to deposits | 83.2704% | 3,781 |
| Net loans and leases to core deposits | 136.2516% | 1,084 |
| Total domestic deposits to total assets | 68.6787% | 7,516 |
| Equity capital to assets | 28.2585% | 132 |
| Core capital (leverage) ratio | 28.5387% | 134 |
| Tier 1 risk-based capital ratio | 39.0377% | 297 |
| Total risk-based capital ratio | 40.2912% | 292 |
| Memoranda: | ||
| Average total assets | $115,714,500 | 4,704 |
| Average earning assets | $103,987,750 | 4,770 |
| Average equity | $39,716,500 | 1,714 |
| Average total loans | $66,958,750 | 5,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 7,373 |
| Cost of funding earning assets | 1.9847% | 3,851 |
| Net interest margin | 2.7269% | 7,146 |
| Noninterest income to average assets | 0.0258% | 7,850 |
| Noninterest expense to average assets | 4.7356% | 624 |
| Loan and lease loss provision to assets | 1.2766% | 1,340 |
| Net operating income to assets | -2.2484% | 7,490 |
| Return on assets (ROA) | -3.3889% | 7,749 |
| Pretax return on assets | -5.3149% | 7,899 |
| Return on Equity (ROE) | -9.1868% | 6,975 |
| Retained earnings to average equity (ytd only) | -9.1868% | 6,786 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.9970% | 215 |
| Assets per employee ($millions) | 4.6222% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 2,609 |
| 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 | 59.9575% | 5,683 |
| Net loans and leases to deposits | 93.4964% | 2,168 |
| Net loans and leases to core deposits | 145.7707% | 770 |
| Total domestic deposits to total assets | 64.1282% | 7,823 |
| Equity capital to assets | 31.3101% | 125 |
| Core capital (leverage) ratio | 30.9883% | 130 |
| Tier 1 risk-based capital ratio | 42.2145% | 264 |
| Total risk-based capital ratio | 43.4672% | 262 |
| Memoranda: | ||
| Average total assets | $108,413,000 | 4,929 |
| Average earning assets | $97,546,670 | 4,964 |
| Average equity | $39,992,330 | 1,700 |
| Average total loans | $62,580,000 | 5,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 7,469 |
| Cost of funding earning assets | 2.0732% | 3,781 |
| Net interest margin | 2.6516% | 7,294 |
| Noninterest income to average assets | 0.0160% | 7,994 |
| Noninterest expense to average assets | 5.0888% | 454 |
| Loan and lease loss provision to assets | 1.1575% | 1,125 |
| Net operating income to assets | -2.4750% | 7,760 |
| Return on assets (ROA) | -2.3908% | 7,748 |
| Pretax return on assets | -3.7198% | 7,872 |
| Return on Equity (ROE) | -5.9232% | 7,056 |
| Retained earnings to average equity (ytd only) | -5.9232% | 6,672 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.5000% | 166 |
| Assets per employee ($millions) | 4.3186% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,399 |
| 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 | 58.8864% | 5,820 |
| Net loans and leases to deposits | 99.5993% | 1,465 |
| Net loans and leases to core deposits | 163.8093% | 439 |
| Total domestic deposits to total assets | 59.1233% | 7,986 |
| Equity capital to assets | 35.8217% | 104 |
| Core capital (leverage) ratio | 38.0828% | 100 |
| Tier 1 risk-based capital ratio | 49.0041% | 220 |
| Total risk-based capital ratio | 50.0802% | 219 |
| Memoranda: | ||
| Average total assets | $100,219,500 | 5,176 |
| Average earning assets | $89,908,500 | 5,225 |
| Average equity | $40,451,000 | 1,688 |
| Average total loans | $55,836,000 | 5,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 7,833 |
| Cost of funding earning assets | 1.6309% | 7,380 |
| Net interest margin | 3.3726% | 5,775 |
| Noninterest income to average assets | 0.0238% | 8,018 |
| Noninterest expense to average assets | 7.4963% | 257 |
| Loan and lease loss provision to assets | 0.9551% | 1,545 |
| Net operating income to assets | -3.4622% | 7,905 |
| Return on assets (ROA) | -3.3109% | 7,866 |
| Pretax return on assets | -5.1277% | 8,040 |
| Return on Equity (ROE) | -6.5097% | 7,002 |
| Retained earnings to average equity (ytd only) | -6.5097% | 6,726 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 242.5267% | 148 |
| Assets per employee ($millions) | 3.2650% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 4,335 |
| 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 | 50.0981% | 7,022 |
| Net loans and leases to deposits | 105.6454% | 1,158 |
| Net loans and leases to core deposits | 166.2551% | 473 |
| Total domestic deposits to total assets | 47.4210% | 8,143 |
| Equity capital to assets | 46.1460% | 86 |
| Core capital (leverage) ratio | 50.8166% | 76 |
| Tier 1 risk-based capital ratio | 68.6193% | 125 |
| Total risk-based capital ratio | 69.5848% | 122 |
| Memoranda: | ||
| Average total assets | $54,547,000 | 6,601 |
| Average earning assets | $49,606,000 | 6,608 |
| Average equity | $27,743,200 | 2,421 |
| Average total loans | $22,924,000 | 7,143 |