Home > Bank of the Eastern Shore > Performance and Condition Ratios
Bank of the Eastern Shore, 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 | 6.2635% | 215 |
| Cost of funding earning assets | 2.5495% | 7 |
| Net interest margin | 3.7140% | 3,772 |
| Noninterest income to average assets | 0.2771% | 5,648 |
| Noninterest expense to average assets | 3.9862% | 953 |
| Loan and lease loss provision to assets | 0.8945% | 495 |
| Net operating income to assets | -1.2858% | 7,047 |
| Return on assets (ROA) | -1.2858% | 7,062 |
| Pretax return on assets | -1.2858% | 7,035 |
| Return on Equity (ROE) | -76.9175% | 7,257 |
| Retained earnings to average equity (ytd only) | -76.9175% | 7,252 |
| Net charge-offs to loans | 1.4657% | 684 |
| Credit loss provision to net charge-offs | 72.0157% | 2,871 |
| Earnings coverage of net charge-offs (x) | -0.3151% | 4,471 |
| Efficiency ratio | 110.8857% | 323 |
| Assets per employee ($millions) | 5.2406% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2687% | 302 |
| Loan loss allowance to noncurrent loans | 67.4201% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 8.6957% | 417 |
| Noncurrent loans to loans | 6.3315% | 759 |
| Net loans and leases to total assets | 81.5278% | 303 |
| Net loans and leases to deposits | 87.7437% | 1,202 |
| Net loans and leases to core deposits | 95.6111% | 1,325 |
| Total domestic deposits to total assets | 92.9158% | 147 |
| Equity capital to assets | 1.5253% | 7,293 |
| Core capital (leverage) ratio | 1.4628% | 7,295 |
| Tier 1 risk-based capital ratio | 1.8076% | 7,298 |
| Total risk-based capital ratio | 3.0966% | 7,297 |
| Memoranda: | ||
| Average total assets | $164,566,000 | 3,606 |
| Average earning assets | $147,011,000 | 3,682 |
| Average equity | $2,751,000 | 7,010 |
| Average total loans | $139,454,000 | 2,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8462% | 579 |
| Cost of funding earning assets | 2.8889% | 9 |
| Net interest margin | 2.9573% | 6,594 |
| Noninterest income to average assets | -1.6749% | 7,343 |
| Noninterest expense to average assets | 3.2295% | 2,771 |
| Loan and lease loss provision to assets | 2.0538% | 278 |
| Net operating income to assets | -4.3542% | 7,274 |
| Return on assets (ROA) | -4.3542% | 7,280 |
| Pretax return on assets | -4.3443% | 7,285 |
| Return on Equity (ROE) | -120.3114% | 7,327 |
| Retained earnings to average equity (ytd only) | -120.3114% | 7,327 |
| Net charge-offs to loans | 3.6200% | 197 |
| Credit loss provision to net charge-offs | 68.6113% | 4,903 |
| Earnings coverage of net charge-offs (x) | -0.7652% | 6,152 |
| Efficiency ratio | 343.9181% | 21 |
| Assets per employee ($millions) | 5.5557% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3037% | 294 |
| Loan loss allowance to noncurrent loans | 66.6630% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 8.8125% | 418 |
| Noncurrent loans to loans | 6.4560% | 731 |
| Net loans and leases to total assets | 80.6992% | 426 |
| Net loans and leases to deposits | 87.0367% | 1,519 |
| Net loans and leases to core deposits | 94.9538% | 1,591 |
| Total domestic deposits to total assets | 92.7186% | 156 |
| Equity capital to assets | 1.8143% | 7,331 |
| Core capital (leverage) ratio | 1.7374% | 7,332 |
| Tier 1 risk-based capital ratio | 2.1490% | 7,337 |
| Total risk-based capital ratio | 3.4379% | 7,338 |
| Memoranda: | ||
| Average total assets | $182,101,200 | 3,300 |
| Average earning assets | $160,958,600 | 3,384 |
| Average equity | $6,590,400 | 5,985 |
| Average total loans | $150,581,000 | 2,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2991% | 269 |
| Cost of funding earning assets | 2.9532% | 11 |
| Net interest margin | 3.3459% | 5,732 |
| Noninterest income to average assets | -1.9825% | 7,426 |
| Noninterest expense to average assets | 3.6237% | 1,661 |
| Loan and lease loss provision to assets | 2.2944% | 209 |
| Net operating income to assets | -4.9501% | 7,376 |
| Return on assets (ROA) | -4.9501% | 7,376 |
| Pretax return on assets | -4.9501% | 7,377 |
| Return on Equity (ROE) | -123.0299% | 7,395 |
| Retained earnings to average equity (ytd only) | -123.0299% | 7,395 |
| Net charge-offs to loans | 4.4749% | 124 |
| Credit loss provision to net charge-offs | 62.2810% | 4,740 |
| Earnings coverage of net charge-offs (x) | -0.7209% | 5,884 |
| Efficiency ratio | 374.3704% | 12 |
| Assets per employee ($millions) | 5.3222% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0639% | 372 |
| Loan loss allowance to noncurrent loans | 44.3513% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 11.3710% | 260 |
| Noncurrent loans to loans | 9.1629% | 417 |
| Net loans and leases to total assets | 80.7005% | 446 |
| Net loans and leases to deposits | 86.0868% | 1,680 |
| Net loans and leases to core deposits | 93.8017% | 1,809 |
| Total domestic deposits to total assets | 93.7432% | 98 |
| Equity capital to assets | 2.4091% | 7,384 |
| Core capital (leverage) ratio | 2.1995% | 7,385 |
| Tier 1 risk-based capital ratio | 2.7357% | 7,401 |
| Total risk-based capital ratio | 4.0208% | 7,402 |
| Memoranda: | ||
| Average total assets | $185,958,500 | 3,262 |
| Average earning assets | $163,976,250 | 3,358 |
| Average equity | $7,482,000 | 5,754 |
| Average total loans | $153,088,250 | 2,621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1375% | 363 |
| Cost of funding earning assets | 3.0325% | 11 |
| Net interest margin | 3.1049% | 6,399 |
| Noninterest income to average assets | -0.9499% | 7,477 |
| Noninterest expense to average assets | 3.2400% | 2,765 |
| Loan and lease loss provision to assets | 2.4062% | 218 |
| Net operating income to assets | -3.8593% | 7,383 |
| Return on assets (ROA) | -3.8593% | 7,385 |
| Pretax return on assets | -3.8593% | 7,379 |
| Return on Equity (ROE) | -85.7077% | 7,423 |
| Retained earnings to average equity (ytd only) | -85.7077% | 7,421 |
| Net charge-offs to loans | 3.6441% | 243 |
| Credit loss provision to net charge-offs | 80.7301% | 3,748 |
| Earnings coverage of net charge-offs (x) | -0.4875% | 5,520 |
| Efficiency ratio | 181.3232% | 78 |
| Assets per employee ($millions) | 5.4915% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8155% | 213 |
| Loan loss allowance to noncurrent loans | 39.9501% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 14.7320% | 155 |
| Noncurrent loans to loans | 12.0537% | 251 |
| Net loans and leases to total assets | 78.6539% | 690 |
| Net loans and leases to deposits | 85.1555% | 1,921 |
| Net loans and leases to core deposits | 92.8591% | 2,034 |
| Total domestic deposits to total assets | 92.3650% | 177 |
| Equity capital to assets | 4.0217% | 7,387 |
| Core capital (leverage) ratio | 3.8292% | 7,386 |
| Tier 1 risk-based capital ratio | 4.7128% | 7,410 |
| Total risk-based capital ratio | 6.0059% | 7,408 |
| Memoranda: | ||
| Average total assets | $191,174,670 | 3,208 |
| Average earning assets | $168,506,000 | 3,302 |
| Average equity | $8,608,330 | 5,429 |
| Average total loans | $156,363,330 | 2,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1546% | 356 |
| Cost of funding earning assets | 3.2906% | 7 |
| Net interest margin | 2.8640% | 6,813 |
| Noninterest income to average assets | -1.7231% | 7,555 |
| Noninterest expense to average assets | 3.2342% | 2,756 |
| Loan and lease loss provision to assets | 4.0784% | 101 |
| Net operating income to assets | -6.5031% | 7,514 |
| Return on assets (ROA) | -6.5031% | 7,514 |
| Pretax return on assets | -6.5031% | 7,510 |
| Return on Equity (ROE) | -137.6274% | 7,514 |
| Retained earnings to average equity (ytd only) | -137.6274% | 7,509 |
| Net charge-offs to loans | 6.6587% | 86 |
| Credit loss provision to net charge-offs | 75.2445% | 3,250 |
| Earnings coverage of net charge-offs (x) | -0.4473% | 4,774 |
| Efficiency ratio | 399.4962% | 15 |
| Assets per employee ($millions) | 5.6020% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5753% | 270 |
| Loan loss allowance to noncurrent loans | 37.8935% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 13.6753% | 189 |
| Noncurrent loans to loans | 12.0742% | 273 |
| Net loans and leases to total assets | 77.7674% | 765 |
| Net loans and leases to deposits | 86.5168% | 1,649 |
| Net loans and leases to core deposits | 93.8550% | 1,901 |
| Total domestic deposits to total assets | 89.8870% | 1,220 |
| Equity capital to assets | 4.0169% | 7,440 |
| Core capital (leverage) ratio | 3.9514% | 7,444 |
| Tier 1 risk-based capital ratio | 4.9433% | 7,461 |
| Total risk-based capital ratio | 6.2347% | 7,459 |
| Memoranda: | ||
| Average total assets | $196,153,000 | 3,166 |
| Average earning assets | $173,462,500 | 3,243 |
| Average equity | $9,268,500 | 5,240 |
| Average total loans | $159,672,000 | 2,571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5506% | 2,080 |
| Cost of funding earning assets | 3.1892% | 17 |
| Net interest margin | 2.3614% | 7,337 |
| Noninterest income to average assets | 1.2174% | 1,013 |
| Noninterest expense to average assets | 3.0495% | 3,660 |
| Loan and lease loss provision to assets | 2.8843% | 346 |
| Net operating income to assets | -4.3219% | 7,471 |
| Return on assets (ROA) | -4.1741% | 7,466 |
| Pretax return on assets | -2.4999% | 7,163 |
| Return on Equity (ROE) | -57.2779% | 7,470 |
| Retained earnings to average equity (ytd only) | -57.2779% | 7,468 |
| Net charge-offs to loans | 4.3515% | 262 |
| Credit loss provision to net charge-offs | 83.6412% | 5,401 |
| Earnings coverage of net charge-offs (x) | 0.0686% | 6,051 |
| Efficiency ratio | 92.8008% | 1,130 |
| Assets per employee ($millions) | 5.6066% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7282% | 239 |
| Loan loss allowance to noncurrent loans | 29.6353% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 15.9702% | 135 |
| Noncurrent loans to loans | 15.9548% | 129 |
| Net loans and leases to total assets | 77.4681% | 1,021 |
| Net loans and leases to deposits | 89.8213% | 1,551 |
| Net loans and leases to core deposits | 97.3575% | 1,859 |
| Total domestic deposits to total assets | 86.2469% | 3,234 |
| Equity capital to assets | 5.3934% | 7,407 |
| Core capital (leverage) ratio | 5.2856% | 7,387 |
| Tier 1 risk-based capital ratio | 6.7159% | 7,450 |
| Total risk-based capital ratio | 8.0098% | 7,452 |
| Memoranda: | ||
| Average total assets | $219,810,000 | 2,871 |
| Average earning assets | $192,557,200 | 2,967 |
| Average equity | $16,018,400 | 3,759 |
| Average total loans | $174,191,600 | 2,417 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 959 |
| Cost of funding earning assets | 3.2521% | 17 |
| Net interest margin | 2.7364% | 7,193 |
| Noninterest income to average assets | 1.4397% | 651 |
| Noninterest expense to average assets | 3.0369% | 3,618 |
| Loan and lease loss provision to assets | 2.9572% | 298 |
| Net operating income to assets | -2.2326% | 7,287 |
| Return on assets (ROA) | -2.0395% | 7,269 |
| Pretax return on assets | -1.9735% | 7,192 |
| Return on Equity (ROE) | -26.4402% | 7,335 |
| Retained earnings to average equity (ytd only) | -26.4402% | 7,328 |
| Net charge-offs to loans | 2.2545% | 791 |
| Credit loss provision to net charge-offs | 166.4993% | 2,241 |
| Earnings coverage of net charge-offs (x) | 0.4451% | 5,579 |
| Efficiency ratio | 79.3446% | 2,446 |
| Assets per employee ($millions) | 4.6339% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3820% | 93 |
| Loan loss allowance to noncurrent loans | 41.7788% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 15.6452% | 135 |
| Noncurrent loans to loans | 15.2756% | 157 |
| Net loans and leases to total assets | 75.6106% | 1,476 |
| Net loans and leases to deposits | 88.9253% | 1,866 |
| Net loans and leases to core deposits | 97.1430% | 2,134 |
| Total domestic deposits to total assets | 85.0271% | 3,605 |
| Equity capital to assets | 7.0530% | 7,327 |
| Core capital (leverage) ratio | 5.5460% | 7,491 |
| Tier 1 risk-based capital ratio | 6.7209% | 7,571 |
| Total risk-based capital ratio | 8.0337% | 7,573 |
| Memoranda: | ||
| Average total assets | $224,303,000 | 2,854 |
| Average earning assets | $195,725,750 | 2,972 |
| Average equity | $17,301,500 | 3,592 |
| Average total loans | $176,709,500 | 2,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2076% | 614 |
| Cost of funding earning assets | 3.3131% | 18 |
| Net interest margin | 2.8945% | 7,016 |
| Noninterest income to average assets | 0.4351% | 4,650 |
| Noninterest expense to average assets | 2.9428% | 3,917 |
| Loan and lease loss provision to assets | 2.3682% | 489 |
| Net operating income to assets | -1.7369% | 7,238 |
| Return on assets (ROA) | -1.5253% | 7,169 |
| Pretax return on assets | -2.0665% | 7,258 |
| Return on Equity (ROE) | -19.2609% | 7,262 |
| Retained earnings to average equity (ytd only) | -19.2609% | 7,238 |
| Net charge-offs to loans | 2.6651% | 621 |
| Credit loss provision to net charge-offs | 113.6842% | 3,580 |
| Earnings coverage of net charge-offs (x) | 0.0076% | 5,708 |
| Efficiency ratio | 99.4664% | 820 |
| Assets per employee ($millions) | 4.6460% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3100% | 145 |
| Loan loss allowance to noncurrent loans | 34.1163% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 15.5353% | 126 |
| Noncurrent loans to loans | 15.5645% | 153 |
| Net loans and leases to total assets | 74.5650% | 1,798 |
| Net loans and leases to deposits | 88.6244% | 2,071 |
| Net loans and leases to core deposits | 99.3808% | 2,082 |
| Total domestic deposits to total assets | 84.1360% | 4,044 |
| Equity capital to assets | 7.4495% | 7,143 |
| Core capital (leverage) ratio | 5.7557% | 7,518 |
| Tier 1 risk-based capital ratio | 6.9225% | 7,609 |
| Total risk-based capital ratio | 8.2198% | 7,611 |
| Memoranda: | ||
| Average total assets | $228,018,000 | 2,841 |
| Average earning assets | $198,789,000 | 2,967 |
| Average equity | $18,057,330 | 3,458 |
| Average total loans | $178,227,000 | 2,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6264% | 297 |
| Cost of funding earning assets | 3.3588% | 22 |
| Net interest margin | 3.2675% | 6,074 |
| Noninterest income to average assets | 0.4321% | 4,644 |
| Noninterest expense to average assets | 2.3755% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7826% | 3,040 |
| Return on assets (ROA) | 0.7826% | 3,157 |
| Pretax return on assets | 0.9144% | 3,414 |
| Return on Equity (ROE) | 9.6062% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.6062% | 1,235 |
| Net charge-offs to loans | 0.5548% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1165% | 3,481 |
| Efficiency ratio | 72.2046% | 3,893 |
| Assets per employee ($millions) | 5.0262% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8721% | 191 |
| Loan loss allowance to noncurrent loans | 33.3753% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 14.4123% | 151 |
| Noncurrent loans to loans | 14.5981% | 196 |
| Net loans and leases to total assets | 73.9007% | 1,994 |
| Net loans and leases to deposits | 88.3131% | 2,174 |
| Net loans and leases to core deposits | 98.9862% | 2,235 |
| Total domestic deposits to total assets | 83.6803% | 4,311 |
| Equity capital to assets | 8.2174% | 6,413 |
| Core capital (leverage) ratio | 6.6526% | 7,409 |
| Tier 1 risk-based capital ratio | 7.9971% | 7,612 |
| Total risk-based capital ratio | 9.2899% | 7,617 |
| Memoranda: | ||
| Average total assets | $230,523,000 | 2,873 |
| Average earning assets | $201,619,000 | 2,971 |
| Average equity | $18,779,500 | 3,352 |
| Average total loans | $179,535,000 | 2,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2556% | 1,103 |
| Cost of funding earning assets | 3.4627% | 50 |
| Net interest margin | 2.7929% | 7,075 |
| Noninterest income to average assets | 0.4035% | 5,174 |
| Noninterest expense to average assets | 2.3899% | 6,497 |
| Loan and lease loss provision to assets | 3.8842% | 364 |
| Net operating income to assets | -2.0813% | 7,125 |
| Return on assets (ROA) | -2.0813% | 7,120 |
| Pretax return on assets | -3.3275% | 7,378 |
| Return on Equity (ROE) | -21.3081% | 7,183 |
| Retained earnings to average equity (ytd only) | -26.6199% | 7,305 |
| Net charge-offs to loans | 1.0581% | 2,294 |
| Credit loss provision to net charge-offs | 472.6049% | 650 |
| Earnings coverage of net charge-offs (x) | 0.6774% | 5,417 |
| Efficiency ratio | 81.1065% | 2,732 |
| Assets per employee ($millions) | 4.9965% | 2,219 |
| Cash dividends to net income (ytd only)* | -24.9284% | 7,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0151% | 175 |
| Loan loss allowance to noncurrent loans | 35.8081% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 13.6325% | 180 |
| Noncurrent loans to loans | 14.0056% | 207 |
| Net loans and leases to total assets | 74.1630% | 2,230 |
| Net loans and leases to deposits | 88.7386% | 2,434 |
| Net loans and leases to core deposits | 146.5024% | 600 |
| Total domestic deposits to total assets | 83.5747% | 4,247 |
| Equity capital to assets | 8.0751% | 6,500 |
| Core capital (leverage) ratio | 6.2774% | 7,563 |
| Tier 1 risk-based capital ratio | 7.7810% | 7,675 |
| Total risk-based capital ratio | 9.0748% | 7,679 |
| Memoranda: | ||
| Average total assets | $234,949,800 | 2,768 |
| Average earning assets | $213,937,000 | 2,779 |
| Average equity | $22,949,000 | 2,834 |
| Average total loans | $182,495,200 | 2,481 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7634% | 453 |
| Cost of funding earning assets | 3.4228% | 95 |
| Net interest margin | 3.3406% | 5,488 |
| Noninterest income to average assets | 0.3748% | 5,515 |
| Noninterest expense to average assets | 2.5980% | 5,718 |
| Loan and lease loss provision to assets | 0.2145% | 5,270 |
| Net operating income to assets | 0.4103% | 4,360 |
| Return on assets (ROA) | 0.4103% | 4,460 |
| Pretax return on assets | 0.6361% | 4,068 |
| Return on Equity (ROE) | 4.0310% | 4,363 |
| Retained earnings to average equity (ytd only) | -2.7280% | 5,882 |
| Net charge-offs to loans | 0.1579% | 5,128 |
| Credit loss provision to net charge-offs | 175.1152% | 2,638 |
| Earnings coverage of net charge-offs (x) | 6.9446% | 2,509 |
| Efficiency ratio | 75.3355% | 3,632 |
| Assets per employee ($millions) | 5.1572% | 1,958 |
| Cash dividends to net income (ytd only)* | 167.6749% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 5,892 |
| Loan loss allowance to noncurrent loans | 12.8392% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 7.6777% | 574 |
| Noncurrent loans to loans | 8.3437% | 562 |
| Net loans and leases to total assets | 76.6082% | 1,871 |
| Net loans and leases to deposits | 96.1318% | 1,559 |
| Net loans and leases to core deposits | 156.3288% | 455 |
| Total domestic deposits to total assets | 79.6909% | 5,561 |
| Equity capital to assets | 10.2486% | 3,788 |
| Core capital (leverage) ratio | 10.1815% | 3,083 |
| Tier 1 risk-based capital ratio | 13.0990% | 4,121 |
| Total risk-based capital ratio | 14.1712% | 4,181 |
| Memoranda: | ||
| Average total assets | $236,227,000 | 2,767 |
| Average earning assets | $217,362,000 | 2,755 |
| Average equity | $24,046,250 | 2,749 |
| Average total loans | $183,254,750 | 2,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7744% | 473 |
| Cost of funding earning assets | 3.4207% | 139 |
| Net interest margin | 3.3537% | 5,348 |
| Noninterest income to average assets | 0.3764% | 5,496 |
| Noninterest expense to average assets | 2.6020% | 5,734 |
| Loan and lease loss provision to assets | 0.1696% | 5,370 |
| Net operating income to assets | 0.3620% | 4,651 |
| Return on assets (ROA) | 0.3620% | 4,753 |
| Pretax return on assets | 0.7012% | 3,986 |
| Return on Equity (ROE) | 3.5647% | 4,678 |
| Retained earnings to average equity (ytd only) | -6.6118% | 6,521 |
| Net charge-offs to loans | 0.1922% | 4,340 |
| Credit loss provision to net charge-offs | 113.6364% | 4,080 |
| Earnings coverage of net charge-offs (x) | 5.8352% | 2,748 |
| Efficiency ratio | 74.9268% | 3,891 |
| Assets per employee ($millions) | 4.9511% | 2,141 |
| Cash dividends to net income (ytd only)* | 285.4801% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 6,320 |
| Loan loss allowance to noncurrent loans | 21.1006% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 3.6473% | 1,691 |
| Noncurrent loans to loans | 4.6929% | 1,348 |
| Net loans and leases to total assets | 76.9500% | 1,960 |
| Net loans and leases to deposits | 96.2505% | 1,756 |
| Net loans and leases to core deposits | 155.6043% | 534 |
| Total domestic deposits to total assets | 79.9477% | 5,490 |
| Equity capital to assets | 10.0260% | 3,903 |
| Core capital (leverage) ratio | 10.0760% | 3,212 |
| Tier 1 risk-based capital ratio | 13.1949% | 4,004 |
| Total risk-based capital ratio | 14.2112% | 4,094 |
| Memoranda: | ||
| Average total assets | $235,891,670 | 2,794 |
| Average earning assets | $217,789,670 | 2,771 |
| Average equity | $23,957,330 | 2,759 |
| Average total loans | $183,103,670 | 2,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8124% | 473 |
| Cost of funding earning assets | 3.4164% | 186 |
| Net interest margin | 3.3961% | 5,155 |
| Noninterest income to average assets | 0.3796% | 5,389 |
| Noninterest expense to average assets | 2.4867% | 5,888 |
| Loan and lease loss provision to assets | 0.0426% | 6,439 |
| Net operating income to assets | 0.4732% | 4,550 |
| Return on assets (ROA) | 0.4732% | 4,740 |
| Pretax return on assets | 0.9838% | 3,405 |
| Return on Equity (ROE) | 4.6290% | 4,640 |
| Retained earnings to average equity (ytd only) | -15.6686% | 7,470 |
| Net charge-offs to loans | 0.2414% | 3,195 |
| Credit loss provision to net charge-offs | 22.7273% | 5,046 |
| Earnings coverage of net charge-offs (x) | 5.4818% | 2,669 |
| Efficiency ratio | 70.7849% | 4,418 |
| Assets per employee ($millions) | 4.9454% | 2,122 |
| Cash dividends to net income (ytd only)* | 438.4892% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,543 |
| Loan loss allowance to noncurrent loans | 34.9878% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 2.0709% | 2,790 |
| Noncurrent loans to loans | 2.6908% | 2,443 |
| Net loans and leases to total assets | 76.2381% | 2,220 |
| Net loans and leases to deposits | 95.3534% | 2,061 |
| Net loans and leases to core deposits | 153.2068% | 618 |
| Total domestic deposits to total assets | 79.9532% | 5,387 |
| Equity capital to assets | 10.0362% | 3,964 |
| Core capital (leverage) ratio | 10.1670% | 3,228 |
| Tier 1 risk-based capital ratio | 13.1411% | 4,090 |
| Total risk-based capital ratio | 14.0988% | 4,211 |
| Memoranda: | ||
| Average total assets | $235,011,000 | 2,819 |
| Average earning assets | $216,838,500 | 2,796 |
| Average equity | $24,022,500 | 2,765 |
| Average total loans | $182,304,000 | 2,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9942% | 1,149 |
| Cost of funding earning assets | 3.6151% | 366 |
| Net interest margin | 3.3790% | 5,747 |
| Noninterest income to average assets | 0.2708% | 6,517 |
| Noninterest expense to average assets | 2.4016% | 6,386 |
| Loan and lease loss provision to assets | 0.3147% | 3,857 |
| Net operating income to assets | 0.5079% | 4,691 |
| Return on assets (ROA) | 0.5079% | 4,542 |
| Pretax return on assets | 0.6703% | 4,485 |
| Return on Equity (ROE) | 4.9035% | 4,428 |
| Retained earnings to average equity (ytd only) | -1.0934% | 5,622 |
| Net charge-offs to loans | 0.1469% | 4,744 |
| Credit loss provision to net charge-offs | 273.6641% | 1,677 |
| Earnings coverage of net charge-offs (x) | 8.5649% | 2,862 |
| Efficiency ratio | 70.9138% | 4,156 |
| Assets per employee ($millions) | 4.7478% | 2,247 |
| Cash dividends to net income (ytd only)* | 122.2990% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,127 |
| Loan loss allowance to noncurrent loans | 38.1123% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 2,416 |
| Noncurrent loans to loans | 2.6034% | 2,082 |
| Net loans and leases to total assets | 77.4190% | 2,284 |
| Net loans and leases to deposits | 97.6719% | 2,176 |
| Net loans and leases to core deposits | 154.8512% | 687 |
| Total domestic deposits to total assets | 79.2643% | 5,280 |
| Equity capital to assets | 10.4113% | 3,597 |
| Core capital (leverage) ratio | 10.4245% | 3,047 |
| Tier 1 risk-based capital ratio | 13.4490% | 3,855 |
| Total risk-based capital ratio | 14.4594% | 3,902 |
| Memoranda: | ||
| Average total assets | $227,804,600 | 2,797 |
| Average earning assets | $210,060,600 | 2,770 |
| Average equity | $23,595,200 | 2,776 |
| Average total loans | $178,342,000 | 2,521 |