Home > Brookhaven Bank > Performance and Condition Ratios
Brookhaven Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 3,045 |
| Cost of funding earning assets | 0.5175% | 3,592 |
| Net interest margin | 3.7707% | 2,747 |
| Noninterest income to average assets | 0.2653% | 5,549 |
| Noninterest expense to average assets | 2.8610% | 3,443 |
| Loan and lease loss provision to assets | 0.1608% | 2,248 |
| Net operating income to assets | 2.0634% | 322 |
| Return on assets (ROA) | 2.0634% | 332 |
| Pretax return on assets | 0.7976% | 4,300 |
| Return on Equity (ROE) | 17.4315% | 497 |
| Retained earnings to average equity (ytd only) | 17.4315% | 121 |
| Net charge-offs to loans | 0.1688% | 2,866 |
| Credit loss provision to net charge-offs | 144.0559% | 1,631 |
| Earnings coverage of net charge-offs (x) | 8.5875% | 2,604 |
| Efficiency ratio | 74.9081% | 2,924 |
| Assets per employee ($millions) | 6.0281% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 1,933 |
| Loan loss allowance to noncurrent loans | 107.0896% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.9368% | 2,099 |
| Noncurrent loans to loans | 1.7955% | 2,502 |
| Net loans and leases to total assets | 69.3839% | 2,068 |
| Net loans and leases to deposits | 84.3144% | 1,837 |
| Net loans and leases to core deposits | 92.5391% | 1,715 |
| Total domestic deposits to total assets | 82.2919% | 4,836 |
| Equity capital to assets | 12.3694% | 1,656 |
| Core capital (leverage) ratio | 11.2019% | 2,302 |
| Tier 1 risk-based capital ratio | 14.4100% | 4,138 |
| Total risk-based capital ratio | 15.6659% | 4,093 |
| Memoranda: | ||
| Average total assets | $170,846,250 | 3,429 |
| Average earning assets | $161,027,000 | 3,354 |
| Average equity | $20,223,500 | 3,163 |
| Average total loans | $112,982,500 | 3,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,141 |
| Cost of funding earning assets | 0.5234% | 3,671 |
| Net interest margin | 3.7307% | 2,845 |
| Noninterest income to average assets | 0.1422% | 6,338 |
| Noninterest expense to average assets | 2.7808% | 3,741 |
| Loan and lease loss provision to assets | 0.1562% | 2,362 |
| Net operating income to assets | 2.7960% | 129 |
| Return on assets (ROA) | 2.7960% | 134 |
| Pretax return on assets | 0.7206% | 4,614 |
| Return on Equity (ROE) | 23.9736% | 143 |
| Retained earnings to average equity (ytd only) | 23.9736% | 55 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0281% | 2,782 |
| Assets per employee ($millions) | 6.3798% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 1,711 |
| Loan loss allowance to noncurrent loans | 1,056.6964% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 4,318 |
| Noncurrent loans to loans | 0.1953% | 5,823 |
| Net loans and leases to total assets | 62.8910% | 3,120 |
| Net loans and leases to deposits | 76.8348% | 2,750 |
| Net loans and leases to core deposits | 84.5754% | 2,483 |
| Total domestic deposits to total assets | 81.8522% | 5,095 |
| Equity capital to assets | 11.7061% | 2,125 |
| Core capital (leverage) ratio | 11.4415% | 1,984 |
| Tier 1 risk-based capital ratio | 14.6380% | 4,010 |
| Total risk-based capital ratio | 15.8946% | 3,966 |
| Memoranda: | ||
| Average total assets | $171,532,670 | 3,442 |
| Average earning assets | $161,632,670 | 3,366 |
| Average equity | $20,005,330 | 3,207 |
| Average total loans | $110,841,000 | 3,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 3,141 |
| Cost of funding earning assets | 0.5315% | 3,761 |
| Net interest margin | 3.7103% | 2,810 |
| Noninterest income to average assets | 0.1500% | 6,353 |
| Noninterest expense to average assets | 2.8479% | 3,550 |
| Loan and lease loss provision to assets | 0.0762% | 3,361 |
| Net operating income to assets | 0.7167% | 3,614 |
| Return on assets (ROA) | 0.7167% | 3,750 |
| Pretax return on assets | 0.7167% | 4,505 |
| Return on Equity (ROE) | 6.1578% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,594 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2211% | 2,571 |
| Assets per employee ($millions) | 5.8889% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 1,949 |
| Loan loss allowance to noncurrent loans | 556.5111% | 782 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 3,917 |
| Noncurrent loans to loans | 0.3661% | 5,485 |
| Net loans and leases to total assets | 66.0471% | 2,359 |
| Net loans and leases to deposits | 81.0184% | 1,952 |
| Net loans and leases to core deposits | 84.5851% | 2,255 |
| Total domestic deposits to total assets | 81.5210% | 5,353 |
| Equity capital to assets | 11.9631% | 2,067 |
| Core capital (leverage) ratio | 11.3355% | 1,992 |
| Tier 1 risk-based capital ratio | 14.9920% | 3,840 |
| Total risk-based capital ratio | 16.2483% | 3,798 |
| Memoranda: | ||
| Average total assets | $167,982,500 | 3,535 |
| Average earning assets | $158,044,500 | 3,466 |
| Average equity | $19,552,500 | 3,308 |
| Average total loans | $108,906,000 | 3,312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 3,585 |
| Cost of funding earning assets | 0.7308% | 3,249 |
| Net interest margin | 3.7251% | 3,543 |
| Noninterest income to average assets | 0.5828% | 3,377 |
| Noninterest expense to average assets | 2.8663% | 3,781 |
| Loan and lease loss provision to assets | 0.5448% | 1,053 |
| Net operating income to assets | 0.7128% | 3,681 |
| Return on assets (ROA) | 0.7851% | 3,599 |
| Pretax return on assets | 0.7851% | 4,346 |
| Return on Equity (ROE) | 7.0226% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.0226% | 1,558 |
| Net charge-offs to loans | 0.8453% | 1,362 |
| Credit loss provision to net charge-offs | 96.7914% | 3,210 |
| Earnings coverage of net charge-offs (x) | 2.2342% | 4,309 |
| Efficiency ratio | 69.5036% | 3,895 |
| Assets per employee ($millions) | 6.5798% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 1,788 |
| Loan loss allowance to noncurrent loans | 563.8889% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 4,082 |
| Noncurrent loans to loans | 0.3713% | 5,564 |
| Net loans and leases to total assets | 61.0311% | 3,415 |
| Net loans and leases to deposits | 73.4721% | 3,177 |
| Net loans and leases to core deposits | 75.9532% | 3,542 |
| Total domestic deposits to total assets | 83.0671% | 4,693 |
| Equity capital to assets | 11.3278% | 2,606 |
| Core capital (leverage) ratio | 10.5517% | 2,705 |
| Tier 1 risk-based capital ratio | 14.9790% | 3,730 |
| Total risk-based capital ratio | 16.2364% | 3,678 |
| Memoranda: | ||
| Average total assets | $166,102,000 | 3,521 |
| Average earning assets | $157,901,800 | 3,406 |
| Average equity | $18,568,600 | 3,390 |
| Average total loans | $110,606,400 | 3,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 3,650 |
| Cost of funding earning assets | 0.7858% | 3,070 |
| Net interest margin | 3.7115% | 3,742 |
| Noninterest income to average assets | 0.4472% | 4,316 |
| Noninterest expense to average assets | 2.8759% | 3,684 |
| Loan and lease loss provision to assets | 0.3761% | 1,717 |
| Net operating income to assets | 0.7327% | 3,764 |
| Return on assets (ROA) | 0.8152% | 3,613 |
| Pretax return on assets | 0.8152% | 4,431 |
| Return on Equity (ROE) | 7.3177% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,933 |
| Net charge-offs to loans | 0.0777% | 4,625 |
| Credit loss provision to net charge-offs | 715.3846% | 385 |
| Earnings coverage of net charge-offs (x) | 21.0934% | 1,421 |
| Efficiency ratio | 72.1737% | 3,291 |
| Assets per employee ($millions) | 6.7396% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 1,376 |
| Loan loss allowance to noncurrent loans | 175.0822% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,097 |
| Noncurrent loans to loans | 1.3674% | 3,736 |
| Net loans and leases to total assets | 61.9584% | 3,386 |
| Net loans and leases to deposits | 73.7701% | 3,322 |
| Net loans and leases to core deposits | 75.9798% | 3,731 |
| Total domestic deposits to total assets | 83.9884% | 4,226 |
| Equity capital to assets | 10.8858% | 3,401 |
| Core capital (leverage) ratio | 10.7919% | 2,614 |
| Tier 1 risk-based capital ratio | 14.7965% | 3,987 |
| Total risk-based capital ratio | 16.0581% | 3,933 |
| Memoranda: | ||
| Average total assets | $164,858,750 | 3,571 |
| Average earning assets | $157,128,250 | 3,464 |
| Average equity | $18,366,000 | 3,458 |
| Average total loans | $111,597,500 | 3,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 3,522 |
| Cost of funding earning assets | 0.8381% | 2,884 |
| Net interest margin | 3.7235% | 3,711 |
| Noninterest income to average assets | 0.5650% | 3,487 |
| Noninterest expense to average assets | 2.9628% | 3,399 |
| Loan and lease loss provision to assets | 0.5080% | 1,234 |
| Net operating income to assets | 0.6394% | 4,170 |
| Return on assets (ROA) | 0.7633% | 3,804 |
| Pretax return on assets | 0.7633% | 4,591 |
| Return on Equity (ROE) | 6.7955% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.7955% | 2,219 |
| Net charge-offs to loans | 0.1164% | 4,006 |
| Credit loss provision to net charge-offs | 630.7692% | 499 |
| Earnings coverage of net charge-offs (x) | 14.2462% | 1,727 |
| Efficiency ratio | 72.0832% | 3,420 |
| Assets per employee ($millions) | 6.8325% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 1,621 |
| Loan loss allowance to noncurrent loans | 179.4907% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 4,028 |
| Noncurrent loans to loans | 1.2721% | 4,010 |
| Net loans and leases to total assets | 68.0642% | 2,284 |
| Net loans and leases to deposits | 81.9404% | 2,120 |
| Net loans and leases to core deposits | 84.6044% | 2,610 |
| Total domestic deposits to total assets | 83.0655% | 4,733 |
| Equity capital to assets | 11.2807% | 2,816 |
| Core capital (leverage) ratio | 10.8917% | 2,398 |
| Tier 1 risk-based capital ratio | 14.0728% | 4,389 |
| Total risk-based capital ratio | 15.3331% | 4,346 |
| Memoranda: | ||
| Average total assets | $161,402,000 | 3,638 |
| Average earning assets | $153,673,330 | 3,543 |
| Average equity | $18,129,670 | 3,479 |
| Average total loans | $111,719,330 | 3,294 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 3,891 |
| Cost of funding earning assets | 0.8788% | 2,843 |
| Net interest margin | 3.6250% | 4,152 |
| Noninterest income to average assets | 0.5621% | 3,482 |
| Noninterest expense to average assets | 3.1852% | 2,651 |
| Loan and lease loss provision to assets | 0.3622% | 1,745 |
| Net operating income to assets | 0.4772% | 4,919 |
| Return on assets (ROA) | 0.7270% | 3,979 |
| Pretax return on assets | 0.7270% | 4,701 |
| Return on Equity (ROE) | 6.4863% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.4863% | 2,694 |
| Net charge-offs to loans | -0.1050% | 6,805 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1434% | 2,324 |
| Assets per employee ($millions) | 6.8217% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1676% | 1,951 |
| Loan loss allowance to noncurrent loans | 143.1845% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,050 |
| Noncurrent loans to loans | 1.5139% | 3,844 |
| Net loans and leases to total assets | 67.1824% | 2,261 |
| Net loans and leases to deposits | 80.6090% | 2,125 |
| Net loans and leases to core deposits | 83.3916% | 2,624 |
| Total domestic deposits to total assets | 83.3435% | 4,794 |
| Equity capital to assets | 11.0610% | 2,835 |
| Core capital (leverage) ratio | 10.8632% | 2,372 |
| Tier 1 risk-based capital ratio | 14.1202% | 4,381 |
| Total risk-based capital ratio | 15.3789% | 4,341 |
| Memoranda: | ||
| Average total assets | $160,113,500 | 3,688 |
| Average earning assets | $152,936,500 | 3,569 |
| Average equity | $17,945,500 | 3,510 |
| Average total loans | $110,469,500 | 3,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 2,212 |
| Cost of funding earning assets | 1.1245% | 2,504 |
| Net interest margin | 4.0387% | 2,686 |
| Noninterest income to average assets | 0.1971% | 6,097 |
| Noninterest expense to average assets | 2.9481% | 3,782 |
| Loan and lease loss provision to assets | 0.3961% | 2,621 |
| Net operating income to assets | 0.6382% | 3,791 |
| Return on assets (ROA) | 0.6382% | 3,991 |
| Pretax return on assets | 0.6382% | 4,565 |
| Return on Equity (ROE) | 5.8105% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.8105% | 2,117 |
| Net charge-offs to loans | 0.3399% | 3,700 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 4.3520% | 3,152 |
| Efficiency ratio | 74.0293% | 3,234 |
| Assets per employee ($millions) | 6.5211% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 2,050 |
| Loan loss allowance to noncurrent loans | 543.9904% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,666 |
| Noncurrent loans to loans | 0.3834% | 5,944 |
| Net loans and leases to total assets | 67.8871% | 2,420 |
| Net loans and leases to deposits | 81.2225% | 2,323 |
| Net loans and leases to core deposits | 83.7925% | 2,916 |
| Total domestic deposits to total assets | 83.5816% | 4,504 |
| Equity capital to assets | 11.3618% | 2,630 |
| Core capital (leverage) ratio | 11.1027% | 2,188 |
| Tier 1 risk-based capital ratio | 14.2861% | 4,119 |
| Total risk-based capital ratio | 15.5443% | 4,078 |
| Memoranda: | ||
| Average total assets | $157,798,600 | 3,659 |
| Average earning assets | $147,894,000 | 3,604 |
| Average equity | $17,330,600 | 3,529 |
| Average total loans | $110,325,200 | 3,372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 2,045 |
| Cost of funding earning assets | 1.1790% | 2,455 |
| Net interest margin | 4.0668% | 2,613 |
| Noninterest income to average assets | 0.1054% | 6,724 |
| Noninterest expense to average assets | 2.9378% | 3,785 |
| Loan and lease loss provision to assets | 0.2226% | 3,791 |
| Net operating income to assets | 0.7437% | 3,415 |
| Return on assets (ROA) | 0.7437% | 3,583 |
| Pretax return on assets | 0.7437% | 4,336 |
| Return on Equity (ROE) | 6.8300% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.8300% | 2,060 |
| Net charge-offs to loans | 0.1914% | 4,266 |
| Credit loss provision to net charge-offs | 166.0377% | 1,834 |
| Earnings coverage of net charge-offs (x) | 7.2077% | 2,398 |
| Efficiency ratio | 75.2484% | 2,967 |
| Assets per employee ($millions) | 6.4871% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 2,329 |
| Loan loss allowance to noncurrent loans | 2,138.3838% | 202 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 3,460 |
| Noncurrent loans to loans | 0.0937% | 6,696 |
| Net loans and leases to total assets | 66.5104% | 2,779 |
| Net loans and leases to deposits | 79.5187% | 2,718 |
| Net loans and leases to core deposits | 81.8590% | 3,349 |
| Total domestic deposits to total assets | 83.6412% | 4,409 |
| Equity capital to assets | 11.3912% | 2,782 |
| Core capital (leverage) ratio | 10.9141% | 2,463 |
| Tier 1 risk-based capital ratio | 14.3178% | 4,120 |
| Total risk-based capital ratio | 15.5745% | 4,073 |
| Memoranda: | ||
| Average total assets | $158,121,500 | 3,686 |
| Average earning assets | $147,698,250 | 3,631 |
| Average equity | $17,217,750 | 3,548 |
| Average total loans | $110,778,750 | 3,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 1,934 |
| Cost of funding earning assets | 1.2288% | 2,390 |
| Net interest margin | 4.0563% | 2,589 |
| Noninterest income to average assets | 0.3926% | 4,739 |
| Noninterest expense to average assets | 3.0957% | 3,273 |
| Loan and lease loss provision to assets | 0.2378% | 3,540 |
| Net operating income to assets | 0.8394% | 2,908 |
| Return on assets (ROA) | 0.8394% | 3,007 |
| Pretax return on assets | 0.8394% | 3,872 |
| Return on Equity (ROE) | 7.8262% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.8262% | 1,522 |
| Net charge-offs to loans | 0.0231% | 5,514 |
| Credit loss provision to net charge-offs | 1,453.8462% | 242 |
| Earnings coverage of net charge-offs (x) | 65.8462% | 501 |
| Efficiency ratio | 74.1858% | 3,332 |
| Assets per employee ($millions) | 6.3897% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 2,367 |
| Loan loss allowance to noncurrent loans | 2,210.1010% | 198 |
| Noncurrent assets plus other real estate owned to assets | 3.5735% | 1,831 |
| Noncurrent loans to loans | 0.0906% | 6,752 |
| Net loans and leases to total assets | 69.7984% | 2,262 |
| Net loans and leases to deposits | 83.5412% | 2,175 |
| Net loans and leases to core deposits | 85.3239% | 3,028 |
| Total domestic deposits to total assets | 83.5497% | 4,532 |
| Equity capital to assets | 11.4898% | 2,510 |
| Core capital (leverage) ratio | 10.8883% | 2,346 |
| Tier 1 risk-based capital ratio | 13.3393% | 4,656 |
| Total risk-based capital ratio | 14.5954% | 4,633 |
| Memoranda: | ||
| Average total assets | $158,932,000 | 3,697 |
| Average earning assets | $148,114,000 | 3,650 |
| Average equity | $17,045,330 | 3,561 |
| Average total loans | $112,482,670 | 3,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 2,099 |
| Cost of funding earning assets | 1.2971% | 2,193 |
| Net interest margin | 3.9390% | 2,958 |
| Noninterest income to average assets | 0.6505% | 2,846 |
| Noninterest expense to average assets | 3.1931% | 2,917 |
| Loan and lease loss provision to assets | 0.2003% | 3,633 |
| Net operating income to assets | 0.9300% | 2,445 |
| Return on assets (ROA) | 0.9300% | 2,507 |
| Pretax return on assets | 0.9300% | 3,399 |
| Return on Equity (ROE) | 8.9748% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.9748% | 1,386 |
| Net charge-offs to loans | 0.0140% | 4,885 |
| Credit loss provision to net charge-offs | 2,025.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 114.2500% | 288 |
| Efficiency ratio | 73.8558% | 3,538 |
| Assets per employee ($millions) | 6.4528% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 2,801 |
| Loan loss allowance to noncurrent loans | 2,049.0196% | 211 |
| Noncurrent assets plus other real estate owned to assets | 4.3889% | 1,487 |
| Noncurrent loans to loans | 0.0911% | 6,818 |
| Net loans and leases to total assets | 70.9650% | 1,937 |
| Net loans and leases to deposits | 83.5458% | 2,101 |
| Net loans and leases to core deposits | 85.8314% | 2,897 |
| Total domestic deposits to total assets | 84.9414% | 4,058 |
| Equity capital to assets | 10.9642% | 2,723 |
| Core capital (leverage) ratio | 10.0568% | 3,082 |
| Tier 1 risk-based capital ratio | 12.9435% | 4,867 |
| Total risk-based capital ratio | 14.1982% | 4,851 |
| Memoranda: | ||
| Average total assets | $161,721,500 | 3,674 |
| Average earning assets | $150,801,000 | 3,624 |
| Average equity | $16,758,000 | 3,599 |
| Average total loans | $114,111,000 | 3,385 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 2,388 |
| Cost of funding earning assets | 1.7709% | 1,294 |
| Net interest margin | 3.7014% | 4,334 |
| Noninterest income to average assets | 0.0397% | 7,156 |
| Noninterest expense to average assets | 2.9961% | 3,861 |
| Loan and lease loss provision to assets | 0.8520% | 1,924 |
| Net operating income to assets | -0.3446% | 6,262 |
| Return on assets (ROA) | -0.3011% | 6,259 |
| Pretax return on assets | -0.3011% | 6,163 |
| Return on Equity (ROE) | -2.8360% | 6,265 |
| Retained earnings to average equity (ytd only) | -2.8360% | 6,085 |
| Net charge-offs to loans | 0.7063% | 2,894 |
| Credit loss provision to net charge-offs | 170.5128% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.0154% | 5,096 |
| Efficiency ratio | 85.5184% | 1,745 |
| Assets per employee ($millions) | 7.3293% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 3,095 |
| Loan loss allowance to noncurrent loans | 187.6048% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 4.3073% | 1,549 |
| Noncurrent loans to loans | 0.9232% | 5,209 |
| Net loans and leases to total assets | 67.7544% | 3,038 |
| Net loans and leases to deposits | 80.6936% | 3,046 |
| Net loans and leases to core deposits | 85.6990% | 3,361 |
| Total domestic deposits to total assets | 83.9650% | 4,378 |
| Equity capital to assets | 9.8093% | 3,987 |
| Core capital (leverage) ratio | 9.4419% | 3,776 |
| Tier 1 risk-based capital ratio | 12.2754% | 5,230 |
| Total risk-based capital ratio | 13.5287% | 5,187 |
| Memoranda: | ||
| Average total assets | $156,104,800 | 3,773 |
| Average earning assets | $146,081,600 | 3,704 |
| Average equity | $16,572,600 | 3,664 |
| Average total loans | $110,436,800 | 3,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 2,274 |
| Cost of funding earning assets | 1.8565% | 1,181 |
| Net interest margin | 3.6879% | 4,470 |
| Noninterest income to average assets | -0.0497% | 7,498 |
| Noninterest expense to average assets | 3.1218% | 3,232 |
| Loan and lease loss provision to assets | 0.4340% | 3,310 |
| Net operating income to assets | -0.1551% | 6,255 |
| Return on assets (ROA) | -0.0959% | 6,269 |
| Pretax return on assets | -0.0959% | 6,217 |
| Return on Equity (ROE) | -0.8845% | 6,268 |
| Retained earnings to average equity (ytd only) | -0.8845% | 5,992 |
| Net charge-offs to loans | 0.3168% | 4,073 |
| Credit loss provision to net charge-offs | 192.2780% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.2355% | 4,825 |
| Efficiency ratio | 91.7991% | 1,140 |
| Assets per employee ($millions) | 7.5802% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 4,620 |
| Loan loss allowance to noncurrent loans | 102.9643% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 3.3089% | 2,151 |
| Noncurrent loans to loans | 1.3311% | 4,637 |
| Net loans and leases to total assets | 73.4457% | 1,923 |
| Net loans and leases to deposits | 86.0627% | 2,328 |
| Net loans and leases to core deposits | 91.0220% | 2,950 |
| Total domestic deposits to total assets | 85.3398% | 3,439 |
| Equity capital to assets | 10.2600% | 3,812 |
| Core capital (leverage) ratio | 10.0164% | 3,239 |
| Tier 1 risk-based capital ratio | 11.6699% | 5,763 |
| Total risk-based capital ratio | 12.8874% | 5,778 |
| Memoranda: | ||
| Average total assets | $152,987,250 | 3,880 |
| Average earning assets | $143,130,000 | 3,815 |
| Average equity | $16,581,750 | 3,711 |
| Average total loans | $108,988,500 | 3,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 2,165 |
| Cost of funding earning assets | 1.9673% | 992 |
| Net interest margin | 3.6250% | 4,710 |
| Noninterest income to average assets | -0.3248% | 7,718 |
| Noninterest expense to average assets | 3.1093% | 3,277 |
| Loan and lease loss provision to assets | 0.4501% | 3,075 |
| Net operating income to assets | -0.5068% | 6,657 |
| Return on assets (ROA) | -0.4151% | 6,624 |
| Pretax return on assets | -0.4151% | 6,526 |
| Return on Equity (ROE) | -3.7548% | 6,599 |
| Retained earnings to average equity (ytd only) | -3.7548% | 6,414 |
| Net charge-offs to loans | 0.2675% | 4,004 |
| Credit loss provision to net charge-offs | 240.2878% | 1,599 |
| Earnings coverage of net charge-offs (x) | -0.3022% | 5,931 |
| Efficiency ratio | 101.8543% | 739 |
| Assets per employee ($millions) | 7.3507% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 4,164 |
| Loan loss allowance to noncurrent loans | 1,381.6667% | 258 |
| Noncurrent assets plus other real estate owned to assets | 2.7901% | 2,589 |
| Noncurrent loans to loans | 0.1051% | 7,059 |
| Net loans and leases to total assets | 69.5528% | 3,008 |
| Net loans and leases to deposits | 81.6905% | 3,318 |
| Net loans and leases to core deposits | 86.2680% | 3,791 |
| Total domestic deposits to total assets | 85.1419% | 3,549 |
| Equity capital to assets | 10.3354% | 3,603 |
| Core capital (leverage) ratio | 10.3223% | 2,803 |
| Tier 1 risk-based capital ratio | 12.1004% | 5,227 |
| Total risk-based capital ratio | 13.3501% | 5,192 |
| Memoranda: | ||
| Average total assets | $148,395,000 | 3,983 |
| Average earning assets | $138,261,330 | 3,934 |
| Average equity | $16,405,670 | 3,736 |
| Average total loans | $103,923,670 | 3,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 2,539 |
| Cost of funding earning assets | 2.0915% | 837 |
| Net interest margin | 3.4178% | 5,510 |
| Noninterest income to average assets | -0.8467% | 7,892 |
| Noninterest expense to average assets | 3.1185% | 3,189 |
| Loan and lease loss provision to assets | 0.7422% | 1,717 |
| Net operating income to assets | -1.5437% | 7,347 |
| Return on assets (ROA) | -1.3518% | 7,289 |
| Pretax return on assets | -1.3518% | 7,204 |
| Return on Equity (ROE) | -11.7897% | 7,203 |
| Retained earnings to average equity (ytd only) | -11.7897% | 7,055 |
| Net charge-offs to loans | 0.5627% | 2,393 |
| Credit loss provision to net charge-offs | 189.2086% | 1,943 |
| Earnings coverage of net charge-offs (x) | -2.0432% | 5,474 |
| Efficiency ratio | 134.5920% | 293 |
| Assets per employee ($millions) | 7.4129% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 3,996 |
| Loan loss allowance to noncurrent loans | 1,322.5000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 3.4130% | 2,071 |
| Noncurrent loans to loans | 0.1121% | 7,123 |
| Net loans and leases to total assets | 71.1395% | 2,665 |
| Net loans and leases to deposits | 84.2782% | 2,896 |
| Net loans and leases to core deposits | 88.5789% | 3,554 |
| Total domestic deposits to total assets | 84.4103% | 3,944 |
| Equity capital to assets | 10.8696% | 2,877 |
| Core capital (leverage) ratio | 11.1202% | 2,151 |
| Tier 1 risk-based capital ratio | 12.4417% | 4,800 |
| Total risk-based capital ratio | 13.6918% | 4,750 |
| Memoranda: | ||
| Average total assets | $141,734,500 | 4,162 |
| Average earning assets | $131,195,500 | 4,128 |
| Average equity | $16,251,500 | 3,788 |
| Average total loans | $98,817,500 | 3,995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 6,320 |
| Cost of funding earning assets | 2.7791% | 472 |
| Net interest margin | 2.2569% | 7,617 |
| Noninterest income to average assets | 0.1046% | 7,242 |
| Noninterest expense to average assets | 4.2909% | 1,000 |
| Loan and lease loss provision to assets | 1.2623% | 1,829 |
| Net operating income to assets | -3.3289% | 7,467 |
| Return on assets (ROA) | -3.2838% | 7,457 |
| Pretax return on assets | -3.2838% | 7,364 |
| Return on Equity (ROE) | -20.4295% | 7,154 |
| Retained earnings to average equity (ytd only) | -20.4295% | 7,122 |
| Net charge-offs to loans | 1.0284% | 2,357 |
| Credit loss provision to net charge-offs | 185.6764% | 2,194 |
| Earnings coverage of net charge-offs (x) | -3.0398% | 7,053 |
| Efficiency ratio | 192.9064% | 156 |
| Assets per employee ($millions) | 7.5117% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,215 |
| Loan loss allowance to noncurrent loans | 393.2796% | 847 |
| Noncurrent assets plus other real estate owned to assets | 4.1779% | 1,559 |
| Noncurrent loans to loans | 0.4107% | 6,453 |
| Net loans and leases to total assets | 65.9081% | 4,175 |
| Net loans and leases to deposits | 79.4662% | 4,094 |
| Net loans and leases to core deposits | 91.4638% | 4,954 |
| Total domestic deposits to total assets | 82.9385% | 4,549 |
| Equity capital to assets | 12.1203% | 1,959 |
| Core capital (leverage) ratio | 11.6293% | 1,852 |
| Tier 1 risk-based capital ratio | 14.4535% | 3,237 |
| Total risk-based capital ratio | 15.7032% | 3,186 |
| Memoranda: | ||
| Average total assets | $110,908,600 | 4,797 |
| Average earning assets | $104,169,800 | 4,722 |
| Average equity | $17,827,200 | 3,531 |
| Average total loans | $73,321,000 | 4,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 7,122 |
| Cost of funding earning assets | 2.8520% | 522 |
| Net interest margin | 1.9492% | 7,836 |
| Noninterest income to average assets | 0.0916% | 7,446 |
| Noninterest expense to average assets | 4.1742% | 1,058 |
| Loan and lease loss provision to assets | 1.5109% | 1,267 |
| Net operating income to assets | -3.7481% | 7,720 |
| Return on assets (ROA) | -3.7481% | 7,717 |
| Pretax return on assets | -3.7481% | 7,649 |
| Return on Equity (ROE) | -21.6047% | 7,431 |
| Retained earnings to average equity (ytd only) | -21.6047% | 7,398 |
| Net charge-offs to loans | 1.4568% | 1,414 |
| Credit loss provision to net charge-offs | 157.5597% | 3,027 |
| Earnings coverage of net charge-offs (x) | -2.3329% | 6,768 |
| Efficiency ratio | 215.4957% | 120 |
| Assets per employee ($millions) | 6.7715% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 3,709 |
| Loan loss allowance to noncurrent loans | 29.4145% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 4.5056% | 1,357 |
| Noncurrent loans to loans | 4.9166% | 1,367 |
| Net loans and leases to total assets | 62.9484% | 5,077 |
| Net loans and leases to deposits | 76.5001% | 4,961 |
| Net loans and leases to core deposits | 89.6539% | 5,471 |
| Total domestic deposits to total assets | 82.2853% | 4,547 |
| Equity capital to assets | 12.6109% | 1,878 |
| Core capital (leverage) ratio | 12.9085% | 1,403 |
| Tier 1 risk-based capital ratio | 15.8296% | 2,692 |
| Total risk-based capital ratio | 17.0155% | 2,651 |
| Memoranda: | ||
| Average total assets | $104,833,000 | 4,994 |
| Average earning assets | $99,251,250 | 4,883 |
| Average equity | $18,187,000 | 3,502 |
| Average total loans | $69,006,750 | 4,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 7,480 |
| Cost of funding earning assets | 2.8957% | 615 |
| Net interest margin | 1.7392% | 7,959 |
| Noninterest income to average assets | 0.0824% | 7,563 |
| Noninterest expense to average assets | 4.5755% | 718 |
| Loan and lease loss provision to assets | 1.2765% | 1,341 |
| Net operating income to assets | -4.1233% | 7,850 |
| Return on assets (ROA) | -4.1233% | 7,846 |
| Pretax return on assets | -4.1233% | 7,766 |
| Return on Equity (ROE) | -21.0279% | 7,528 |
| Retained earnings to average equity (ytd only) | -21.0279% | 7,482 |
| Net charge-offs to loans | 0.5255% | 2,748 |
| Credit loss provision to net charge-offs | 363.8554% | 1,271 |
| Earnings coverage of net charge-offs (x) | -8.1145% | 6,503 |
| Efficiency ratio | 264.6699% | 103 |
| Assets per employee ($millions) | 5.9482% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 2,383 |
| Loan loss allowance to noncurrent loans | 19.0267% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 5.5446% | 903 |
| Noncurrent loans to loans | 8.8822% | 450 |
| Net loans and leases to total assets | 61.3687% | 5,467 |
| Net loans and leases to deposits | 77.1921% | 4,999 |
| Net loans and leases to core deposits | 91.5688% | 5,390 |
| Total domestic deposits to total assets | 79.5012% | 5,648 |
| Equity capital to assets | 14.7626% | 1,092 |
| Core capital (leverage) ratio | 16.5214% | 675 |
| Tier 1 risk-based capital ratio | 19.7137% | 1,631 |
| Total risk-based capital ratio | 20.9635% | 1,592 |
| Memoranda: | ||
| Average total assets | $94,634,000 | 5,322 |
| Average earning assets | $89,579,670 | 5,215 |
| Average equity | $18,556,330 | 3,458 |
| Average total loans | $63,175,000 | 5,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 7,083 |
| Cost of funding earning assets | 2.8137% | 952 |
| Net interest margin | 2.1230% | 7,840 |
| Noninterest income to average assets | 0.0728% | 7,693 |
| Noninterest expense to average assets | 4.9327% | 507 |
| Loan and lease loss provision to assets | 1.2465% | 1,035 |
| Net operating income to assets | -4.0936% | 7,984 |
| Return on assets (ROA) | -4.0936% | 7,978 |
| Pretax return on assets | -4.0936% | 7,914 |
| Return on Equity (ROE) | -17.7185% | 7,702 |
| Retained earnings to average equity (ytd only) | -17.7185% | 7,572 |
| Net charge-offs to loans | 0.5275% | 2,134 |
| Credit loss provision to net charge-offs | 338.1579% | 1,473 |
| Earnings coverage of net charge-offs (x) | -7.7237% | 5,603 |
| Efficiency ratio | 236.5116% | 141 |
| Assets per employee ($millions) | 5.7368% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 2,350 |
| Loan loss allowance to noncurrent loans | 37.0315% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 2.9361% | 1,934 |
| Noncurrent loans to loans | 4.4318% | 1,309 |
| Net loans and leases to total assets | 65.1643% | 4,781 |
| Net loans and leases to deposits | 90.3206% | 2,879 |
| Net loans and leases to core deposits | 116.3971% | 2,760 |
| Total domestic deposits to total assets | 72.1478% | 7,189 |
| Equity capital to assets | 20.3022% | 401 |
| Core capital (leverage) ratio | 22.6556% | 294 |
| Tier 1 risk-based capital ratio | 25.6781% | 919 |
| Total risk-based capital ratio | 26.9279% | 895 |
| Memoranda: | ||
| Average total assets | $82,469,500 | 5,723 |
| Average earning assets | $78,190,000 | 5,616 |
| Average equity | $19,053,500 | 3,410 |
| Average total loans | $57,632,000 | 5,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 7,381 |
| Cost of funding earning assets | 2.1010% | 6,047 |
| Net interest margin | 3.3577% | 5,835 |
| Noninterest income to average assets | 0.0620% | 7,838 |
| Noninterest expense to average assets | 6.9856% | 283 |
| Loan and lease loss provision to assets | 2.6015% | 391 |
| Net operating income to assets | -6.3259% | 8,166 |
| Return on assets (ROA) | -6.3259% | 8,158 |
| Pretax return on assets | -6.3259% | 8,123 |
| Return on Equity (ROE) | -14.6984% | 7,578 |
| Retained earnings to average equity (ytd only) | -14.6984% | 7,443 |
| Net charge-offs to loans | 1.7619% | 625 |
| Credit loss provision to net charge-offs | 220.7018% | 2,169 |
| Earnings coverage of net charge-offs (x) | -3.1596% | 6,773 |
| Efficiency ratio | 214.2042% | 180 |
| Assets per employee ($millions) | 3.8501% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,691 |
| Loan loss allowance to noncurrent loans | 41.8760% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 2.6671% | 1,790 |
| Noncurrent loans to loans | 3.5829% | 1,408 |
| Net loans and leases to total assets | 73.3223% | 3,277 |
| Net loans and leases to deposits | 112.9155% | 665 |
| Net loans and leases to core deposits | 148.8111% | 896 |
| Total domestic deposits to total assets | 64.9355% | 7,729 |
| Equity capital to assets | 26.6189% | 228 |
| Core capital (leverage) ratio | 29.3073% | 192 |
| Tier 1 risk-based capital ratio | 32.3233% | 534 |
| Total risk-based capital ratio | 33.5742% | 522 |
| Memoranda: | ||
| Average total assets | $48,356,800 | 6,845 |
| Average earning assets | $46,073,000 | 6,766 |
| Average equity | $20,811,800 | 3,118 |
| Average total loans | $32,351,400 | 6,590 |