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Cooperative Bank, Performance and Condition Ratios
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 5,216 |
| Cost of funding earning assets | 3.1923% | 355 |
| Net interest margin | 2.2507% | 7,759 |
| Noninterest income to average assets | 0.7269% | 2,721 |
| Noninterest expense to average assets | 2.1714% | 6,941 |
| Loan and lease loss provision to assets | 0.8308% | 1,563 |
| Net operating income to assets | 0.4899% | 4,469 |
| Return on assets (ROA) | 0.4899% | 4,660 |
| Pretax return on assets | -0.1740% | 6,544 |
| Return on Equity (ROE) | 13.2353% | 1,327 |
| Retained earnings to average equity (ytd only) | 13.2353% | 604 |
| Net charge-offs to loans | 4.0205% | 302 |
| Credit loss provision to net charge-offs | 22.8116% | 5,044 |
| Earnings coverage of net charge-offs (x) | 0.1803% | 4,837 |
| Efficiency ratio | 76.6598% | 3,376 |
| Assets per employee ($millions) | 4.3160% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4797% | 326 |
| Loan loss allowance to noncurrent loans | 35.2062% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 10.2466% | 214 |
| Noncurrent loans to loans | 9.8837% | 299 |
| Net loans and leases to total assets | 84.7115% | 592 |
| Net loans and leases to deposits | 106.5705% | 823 |
| Net loans and leases to core deposits | 162.9053% | 452 |
| Total domestic deposits to total assets | 79.4887% | 5,545 |
| Equity capital to assets | 3.7288% | 8,176 |
| Core capital (leverage) ratio | 3.6651% | 8,179 |
| Tier 1 risk-based capital ratio | 4.7741% | 8,183 |
| Total risk-based capital ratio | 6.0578% | 8,175 |
| Memoranda: | ||
| Average total assets | $958,634,500 | 728 |
| Average earning assets | $895,028,500 | 704 |
| Average equity | $35,481,000 | 1,927 |
| Average total loans | $868,354,000 | 575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3698% | 3,577 |
| Cost of funding earning assets | 3.5460% | 459 |
| Net interest margin | 2.8238% | 7,290 |
| Noninterest income to average assets | 0.3978% | 5,490 |
| Noninterest expense to average assets | 2.9205% | 4,380 |
| Loan and lease loss provision to assets | 3.7726% | 183 |
| Net operating income to assets | -3.5759% | 7,923 |
| Return on assets (ROA) | -4.5508% | 8,039 |
| Pretax return on assets | -4.6697% | 7,986 |
| Return on Equity (ROE) | -63.2001% | 8,212 |
| Retained earnings to average equity (ytd only) | -65.4511% | 8,213 |
| Net charge-offs to loans | 1.0054% | 1,233 |
| Credit loss provision to net charge-offs | 416.7762% | 1,047 |
| Earnings coverage of net charge-offs (x) | 0.1193% | 6,176 |
| Efficiency ratio | 77.4098% | 3,014 |
| Assets per employee ($millions) | 4.1147% | 3,283 |
| Cash dividends to net income (ytd only)* | -3.5617% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0826% | 177 |
| Loan loss allowance to noncurrent loans | 45.0521% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 9.6364% | 184 |
| Noncurrent loans to loans | 9.0619% | 259 |
| Net loans and leases to total assets | 89.6325% | 222 |
| Net loans and leases to deposits | 122.3500% | 341 |
| Net loans and leases to core deposits | 189.1220% | 222 |
| Total domestic deposits to total assets | 73.2591% | 6,785 |
| Equity capital to assets | 3.6732% | 8,260 |
| Core capital (leverage) ratio | 3.4782% | 8,271 |
| Tier 1 risk-based capital ratio | 4.4070% | 8,271 |
| Total risk-based capital ratio | 5.6991% | 8,272 |
| Memoranda: | ||
| Average total assets | $958,133,400 | 691 |
| Average earning assets | $892,611,800 | 671 |
| Average equity | $68,992,000 | 973 |
| Average total loans | $862,612,200 | 565 |