Home > Emigrant Savings Bank - Bronx/Westchester > Performance and Condition Ratios
Emigrant Savings Bank - Bronx/Westchester, Performance and Condition Ratios
| 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 | 2.6312% | 7,020 |
| Cost of funding earning assets | 0.9274% | 1,998 |
| Net interest margin | 1.7038% | 7,087 |
| Noninterest income to average assets | 0.1380% | 6,451 |
| Noninterest expense to average assets | 1.7481% | 6,739 |
| Loan and lease loss provision to assets | 0.2714% | 2,404 |
| Net operating income to assets | -0.1879% | 6,491 |
| Return on assets (ROA) | 0.0742% | 6,309 |
| Pretax return on assets | 0.0962% | 6,278 |
| Return on Equity (ROE) | 0.9729% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.9729% | 5,780 |
| Net charge-offs to loans | 0.9122% | 1,192 |
| Credit loss provision to net charge-offs | 115.5795% | 2,516 |
| Earnings coverage of net charge-offs (x) | 0.1159% | 5,280 |
| Efficiency ratio | 98.4671% | 586 |
| Assets per employee ($millions) | 9.7565% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,778 |
| Loan loss allowance to noncurrent loans | 7.9867% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 4.2463% | 1,115 |
| Noncurrent loans to loans | 16.3722% | 80 |
| Net loans and leases to total assets | 23.4919% | 6,978 |
| Net loans and leases to deposits | 26.1447% | 7,008 |
| Net loans and leases to core deposits | 26.3981% | 7,014 |
| Total domestic deposits to total assets | 89.8532% | 925 |
| Equity capital to assets | 7.8137% | 6,671 |
| Core capital (leverage) ratio | 8.0132% | 6,317 |
| Tier 1 risk-based capital ratio | 26.9216% | 747 |
| Total risk-based capital ratio | 27.9776% | 747 |
| Memoranda: | ||
| Average total assets | $1,053,390,750 | 630 |
| Average earning assets | $1,012,290,000 | 585 |
| Average equity | $80,309,250 | 872 |
| Average total loans | $271,125,500 | 1,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7909% | 7,045 |
| Cost of funding earning assets | 0.9561% | 2,027 |
| Net interest margin | 1.8348% | 7,145 |
| Noninterest income to average assets | 0.1566% | 6,410 |
| Noninterest expense to average assets | 1.7866% | 6,768 |
| Loan and lease loss provision to assets | 0.3288% | 2,003 |
| Net operating income to assets | -0.0973% | 6,432 |
| Return on assets (ROA) | -0.0417% | 6,487 |
| Pretax return on assets | -0.1116% | 6,527 |
| Return on Equity (ROE) | -0.5518% | 6,507 |
| Retained earnings to average equity (ytd only) | -0.5518% | 6,137 |
| Net charge-offs to loans | 1.0789% | 1,012 |
| Credit loss provision to net charge-offs | 115.4515% | 2,378 |
| Earnings coverage of net charge-offs (x) | 0.4575% | 4,848 |
| Efficiency ratio | 93.2035% | 847 |
| Assets per employee ($millions) | 9.9180% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,190 |
| Loan loss allowance to noncurrent loans | 7.4032% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 4.5374% | 1,092 |
| Noncurrent loans to loans | 16.6742% | 77 |
| Net loans and leases to total assets | 24.5179% | 7,020 |
| Net loans and leases to deposits | 27.2355% | 7,054 |
| Net loans and leases to core deposits | 27.4757% | 7,064 |
| Total domestic deposits to total assets | 90.0221% | 912 |
| Equity capital to assets | 7.6886% | 6,717 |
| Core capital (leverage) ratio | 7.8372% | 6,420 |
| Tier 1 risk-based capital ratio | 27.8837% | 647 |
| Total risk-based capital ratio | 28.9844% | 648 |
| Memoranda: | ||
| Average total assets | $1,050,035,330 | 635 |
| Average earning assets | $1,007,425,330 | 589 |
| Average equity | $79,380,670 | 874 |
| Average total loans | $277,122,000 | 1,516 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 7,067 |
| Cost of funding earning assets | 0.9964% | 2,003 |
| Net interest margin | 1.9381% | 7,177 |
| Noninterest income to average assets | 0.1731% | 6,340 |
| Noninterest expense to average assets | 1.7736% | 6,821 |
| Loan and lease loss provision to assets | 0.2627% | 2,358 |
| Net operating income to assets | -0.0044% | 6,423 |
| Return on assets (ROA) | 0.1034% | 6,361 |
| Pretax return on assets | 0.1486% | 6,298 |
| Return on Equity (ROE) | 1.3798% | 6,265 |
| Retained earnings to average equity (ytd only) | 1.3798% | 5,548 |
| Net charge-offs to loans | 0.9508% | 1,089 |
| Credit loss provision to net charge-offs | 101.6296% | 2,261 |
| Earnings coverage of net charge-offs (x) | 0.9956% | 3,832 |
| Efficiency ratio | 87.3279% | 1,350 |
| Assets per employee ($millions) | 9.5440% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,944 |
| Loan loss allowance to noncurrent loans | 6.8253% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 4.5268% | 1,178 |
| Noncurrent loans to loans | 15.9219% | 108 |
| Net loans and leases to total assets | 26.2871% | 7,029 |
| Net loans and leases to deposits | 29.0863% | 7,076 |
| Net loans and leases to core deposits | 29.2877% | 7,086 |
| Total domestic deposits to total assets | 90.3763% | 880 |
| Equity capital to assets | 7.7099% | 6,687 |
| Core capital (leverage) ratio | 7.9394% | 6,303 |
| Tier 1 risk-based capital ratio | 27.9920% | 644 |
| Total risk-based capital ratio | 29.0224% | 646 |
| Memoranda: | ||
| Average total assets | $1,044,439,500 | 638 |
| Average earning assets | $1,001,161,000 | 593 |
| Average equity | $78,274,000 | 886 |
| Average total loans | $283,961,500 | 1,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2841% | 7,097 |
| Cost of funding earning assets | 1.1199% | 2,533 |
| Net interest margin | 2.1641% | 7,188 |
| Noninterest income to average assets | 0.1948% | 6,108 |
| Noninterest expense to average assets | 1.7689% | 6,990 |
| Loan and lease loss provision to assets | 0.1416% | 4,845 |
| Net operating income to assets | 0.2198% | 5,527 |
| Return on assets (ROA) | 0.2525% | 5,561 |
| Pretax return on assets | 0.4121% | 5,254 |
| Return on Equity (ROE) | 3.4004% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.4004% | 3,802 |
| Net charge-offs to loans | 0.4628% | 3,136 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.5506% | 3,474 |
| Efficiency ratio | 77.8722% | 2,604 |
| Assets per employee ($millions) | 9.3607% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,013 |
| Loan loss allowance to noncurrent loans | 6.5601% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 4.7380% | 1,150 |
| Noncurrent loans to loans | 15.9392% | 113 |
| Net loans and leases to total assets | 27.5155% | 7,074 |
| Net loans and leases to deposits | 30.4128% | 7,126 |
| Net loans and leases to core deposits | 30.6429% | 7,142 |
| Total domestic deposits to total assets | 90.4737% | 736 |
| Equity capital to assets | 7.2766% | 6,884 |
| Core capital (leverage) ratio | 7.6440% | 6,571 |
| Tier 1 risk-based capital ratio | 26.8870% | 718 |
| Total risk-based capital ratio | 27.9166% | 711 |
| Memoranda: | ||
| Average total assets | $1,046,861,600 | 631 |
| Average earning assets | $1,004,601,200 | 587 |
| Average equity | $77,725,800 | 864 |
| Average total loans | $320,210,000 | 1,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3741% | 7,148 |
| Cost of funding earning assets | 1.1367% | 2,719 |
| Net interest margin | 2.2374% | 7,245 |
| Noninterest income to average assets | 0.1632% | 6,430 |
| Noninterest expense to average assets | 1.7702% | 7,030 |
| Loan and lease loss provision to assets | 0.1415% | 4,669 |
| Net operating income to assets | 0.2426% | 5,587 |
| Return on assets (ROA) | 0.2610% | 5,688 |
| Pretax return on assets | 0.4312% | 5,372 |
| Return on Equity (ROE) | 3.4978% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.4978% | 4,253 |
| Net charge-offs to loans | 0.3739% | 3,228 |
| Credit loss provision to net charge-offs | 120.9783% | 2,680 |
| Earnings coverage of net charge-offs (x) | 4.6511% | 2,995 |
| Efficiency ratio | 76.4942% | 2,769 |
| Assets per employee ($millions) | 9.5968% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,078 |
| Loan loss allowance to noncurrent loans | 6.8828% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 4.8365% | 1,205 |
| Noncurrent loans to loans | 15.1528% | 133 |
| Net loans and leases to total assets | 29.1526% | 7,113 |
| Net loans and leases to deposits | 32.3456% | 7,168 |
| Net loans and leases to core deposits | 32.5468% | 7,190 |
| Total domestic deposits to total assets | 90.1286% | 798 |
| Equity capital to assets | 7.3827% | 6,958 |
| Core capital (leverage) ratio | 7.5632% | 6,729 |
| Tier 1 risk-based capital ratio | 24.8864% | 927 |
| Total risk-based capital ratio | 25.9044% | 931 |
| Memoranda: | ||
| Average total assets | $1,048,818,250 | 635 |
| Average earning assets | $1,008,291,500 | 592 |
| Average equity | $78,255,750 | 868 |
| Average total loans | $328,033,250 | 1,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 7,177 |
| Cost of funding earning assets | 1.1542% | 2,874 |
| Net interest margin | 2.3154% | 7,274 |
| Noninterest income to average assets | 0.1446% | 6,602 |
| Noninterest expense to average assets | 1.8012% | 7,083 |
| Loan and lease loss provision to assets | 0.0934% | 5,160 |
| Net operating income to assets | 0.2857% | 5,426 |
| Return on assets (ROA) | 0.3132% | 5,458 |
| Pretax return on assets | 0.5249% | 4,983 |
| Return on Equity (ROE) | 4.1833% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.1833% | 3,533 |
| Net charge-offs to loans | 0.2899% | 3,427 |
| Credit loss provision to net charge-offs | 101.0309% | 3,070 |
| Earnings coverage of net charge-offs (x) | 6.2247% | 2,440 |
| Efficiency ratio | 75.7957% | 3,052 |
| Assets per employee ($millions) | 9.3468% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,563 |
| Loan loss allowance to noncurrent loans | 6.3311% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 4.7305% | 1,316 |
| Noncurrent loans to loans | 14.7899% | 143 |
| Net loans and leases to total assets | 30.3109% | 7,171 |
| Net loans and leases to deposits | 33.8066% | 7,226 |
| Net loans and leases to core deposits | 34.0143% | 7,255 |
| Total domestic deposits to total assets | 89.6599% | 1,143 |
| Equity capital to assets | 7.7020% | 6,855 |
| Core capital (leverage) ratio | 7.7666% | 6,535 |
| Tier 1 risk-based capital ratio | 25.2040% | 886 |
| Total risk-based capital ratio | 26.1417% | 896 |
| Memoranda: | ||
| Average total assets | $1,049,739,000 | 643 |
| Average earning assets | $1,011,812,330 | 595 |
| Average equity | $78,598,670 | 860 |
| Average total loans | $334,655,330 | 1,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 7,198 |
| Cost of funding earning assets | 1.1814% | 2,934 |
| Net interest margin | 2.3405% | 7,293 |
| Noninterest income to average assets | 0.1537% | 6,619 |
| Noninterest expense to average assets | 1.8377% | 7,090 |
| Loan and lease loss provision to assets | 0.0940% | 4,839 |
| Net operating income to assets | 0.2857% | 5,482 |
| Return on assets (ROA) | 0.2859% | 5,550 |
| Pretax return on assets | 0.4766% | 5,097 |
| Return on Equity (ROE) | 3.8744% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.8744% | 3,845 |
| Net charge-offs to loans | 0.1998% | 3,310 |
| Credit loss provision to net charge-offs | 144.7059% | 1,957 |
| Earnings coverage of net charge-offs (x) | 8.7765% | 1,790 |
| Efficiency ratio | 76.3175% | 3,105 |
| Assets per employee ($millions) | 9.2242% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 6,647 |
| Loan loss allowance to noncurrent loans | 6.1876% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 4.8857% | 1,296 |
| Noncurrent loans to loans | 14.9033% | 155 |
| Net loans and leases to total assets | 31.6432% | 7,180 |
| Net loans and leases to deposits | 34.9944% | 7,246 |
| Net loans and leases to core deposits | 35.1973% | 7,284 |
| Total domestic deposits to total assets | 90.4237% | 882 |
| Equity capital to assets | 7.4255% | 6,906 |
| Core capital (leverage) ratio | 7.6896% | 6,568 |
| Tier 1 risk-based capital ratio | 24.6410% | 916 |
| Total risk-based capital ratio | 25.5970% | 926 |
| Memoranda: | ||
| Average total assets | $1,046,513,500 | 648 |
| Average earning assets | $1,007,972,500 | 599 |
| Average equity | $77,224,000 | 870 |
| Average total loans | $340,399,500 | 1,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 7,460 |
| Cost of funding earning assets | 1.4005% | 3,262 |
| Net interest margin | 1.8212% | 7,499 |
| Noninterest income to average assets | 0.1563% | 6,605 |
| Noninterest expense to average assets | 1.7645% | 7,295 |
| Loan and lease loss provision to assets | 0.3079% | 4,339 |
| Net operating income to assets | -0.1530% | 6,055 |
| Return on assets (ROA) | 0.3991% | 4,685 |
| Pretax return on assets | 0.6791% | 4,051 |
| Return on Equity (ROE) | 5.9014% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.9014% | 1,881 |
| Net charge-offs to loans | 0.7258% | 2,840 |
| Credit loss provision to net charge-offs | 135.5657% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.5474% | 5,562 |
| Efficiency ratio | 93.4177% | 1,094 |
| Assets per employee ($millions) | 9.2165% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,786 |
| Loan loss allowance to noncurrent loans | 5.9155% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 5.0001% | 1,277 |
| Noncurrent loans to loans | 14.8045% | 169 |
| Net loans and leases to total assets | 32.8320% | 7,263 |
| Net loans and leases to deposits | 36.3163% | 7,339 |
| Net loans and leases to core deposits | 36.5286% | 7,381 |
| Total domestic deposits to total assets | 90.4055% | 884 |
| Equity capital to assets | 7.3323% | 6,983 |
| Core capital (leverage) ratio | 7.5317% | 6,680 |
| Tier 1 risk-based capital ratio | 23.9208% | 938 |
| Total risk-based capital ratio | 24.8433% | 951 |
| Memoranda: | ||
| Average total assets | $1,058,488,800 | 637 |
| Average earning assets | $1,006,957,800 | 598 |
| Average equity | $71,576,400 | 940 |
| Average total loans | $331,198,800 | 1,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 7,604 |
| Cost of funding earning assets | 1.4394% | 3,337 |
| Net interest margin | 1.7070% | 7,638 |
| Noninterest income to average assets | 0.1522% | 6,767 |
| Noninterest expense to average assets | 1.7320% | 7,410 |
| Loan and lease loss provision to assets | 0.4188% | 3,392 |
| Net operating income to assets | -0.2854% | 6,418 |
| Return on assets (ROA) | 0.4478% | 4,741 |
| Pretax return on assets | 0.7668% | 4,025 |
| Return on Equity (ROE) | 6.7613% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.7613% | 1,964 |
| Net charge-offs to loans | 0.9210% | 2,157 |
| Credit loss provision to net charge-offs | 147.4382% | 2,659 |
| Earnings coverage of net charge-offs (x) | 0.1409% | 5,885 |
| Efficiency ratio | 97.7414% | 828 |
| Assets per employee ($millions) | 9.3688% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 6,738 |
| Loan loss allowance to noncurrent loans | 6.7652% | 7,216 |
| Noncurrent assets plus other real estate owned to assets | 4.6176% | 1,456 |
| Noncurrent loans to loans | 13.3294% | 216 |
| Net loans and leases to total assets | 33.6320% | 7,358 |
| Net loans and leases to deposits | 37.6525% | 7,430 |
| Net loans and leases to core deposits | 37.9054% | 7,461 |
| Total domestic deposits to total assets | 89.3221% | 1,217 |
| Equity capital to assets | 7.1790% | 7,279 |
| Core capital (leverage) ratio | 7.2829% | 7,020 |
| Tier 1 risk-based capital ratio | 21.7631% | 1,245 |
| Total risk-based capital ratio | 22.6783% | 1,273 |
| Memoranda: | ||
| Average total assets | $1,062,744,250 | 626 |
| Average earning assets | $1,008,436,000 | 589 |
| Average equity | $70,379,500 | 955 |
| Average total loans | $327,759,750 | 1,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0692% | 7,704 |
| Cost of funding earning assets | 1.4733% | 3,409 |
| Net interest margin | 1.5959% | 7,727 |
| Noninterest income to average assets | 0.1554% | 6,777 |
| Noninterest expense to average assets | 1.7472% | 7,461 |
| Loan and lease loss provision to assets | 0.5285% | 2,674 |
| Net operating income to assets | -0.3258% | 6,502 |
| Return on assets (ROA) | -0.3223% | 6,538 |
| Pretax return on assets | -0.6077% | 6,663 |
| Return on Equity (ROE) | -5.0069% | 6,698 |
| Retained earnings to average equity (ytd only) | -5.0069% | 6,555 |
| Net charge-offs to loans | 1.2489% | 1,525 |
| Credit loss provision to net charge-offs | 141.9485% | 2,807 |
| Earnings coverage of net charge-offs (x) | -0.2272% | 5,886 |
| Efficiency ratio | 105.0870% | 651 |
| Assets per employee ($millions) | 9.7597% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 6,879 |
| Loan loss allowance to noncurrent loans | 6.9978% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 3.9478% | 1,755 |
| Noncurrent loans to loans | 12.2929% | 269 |
| Net loans and leases to total assets | 31.3187% | 7,500 |
| Net loans and leases to deposits | 36.4452% | 7,527 |
| Net loans and leases to core deposits | 36.6584% | 7,556 |
| Total domestic deposits to total assets | 85.9338% | 3,130 |
| Equity capital to assets | 6.1046% | 7,525 |
| Core capital (leverage) ratio | 6.5549% | 7,368 |
| Tier 1 risk-based capital ratio | 20.1097% | 1,499 |
| Total risk-based capital ratio | 20.9720% | 1,536 |
| Memoranda: | ||
| Average total assets | $1,064,099,000 | 624 |
| Average earning assets | $1,004,950,000 | 591 |
| Average equity | $68,505,000 | 971 |
| Average total loans | $317,248,000 | 1,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 7,818 |
| Cost of funding earning assets | 1.5494% | 3,273 |
| Net interest margin | 1.4053% | 7,843 |
| Noninterest income to average assets | 0.1646% | 6,791 |
| Noninterest expense to average assets | 1.6663% | 7,601 |
| Loan and lease loss provision to assets | 0.1195% | 5,394 |
| Net operating income to assets | -0.1067% | 6,438 |
| Return on assets (ROA) | -0.0995% | 6,509 |
| Pretax return on assets | -0.2918% | 6,630 |
| Return on Equity (ROE) | -1.5052% | 6,578 |
| Retained earnings to average equity (ytd only) | -1.5052% | 6,125 |
| Net charge-offs to loans | 0.3540% | 2,989 |
| Credit loss provision to net charge-offs | 116.8539% | 2,981 |
| Earnings coverage of net charge-offs (x) | -1.7940% | 5,454 |
| Efficiency ratio | 112.3677% | 551 |
| Assets per employee ($millions) | 9.2540% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 7,267 |
| Loan loss allowance to noncurrent loans | 4.7899% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 4.4673% | 1,519 |
| Noncurrent loans to loans | 15.4931% | 164 |
| Net loans and leases to total assets | 28.2804% | 7,667 |
| Net loans and leases to deposits | 31.1082% | 7,713 |
| Net loans and leases to core deposits | 31.3042% | 7,727 |
| Total domestic deposits to total assets | 90.9098% | 580 |
| Equity capital to assets | 6.7111% | 7,475 |
| Core capital (leverage) ratio | 7.0788% | 7,197 |
| Tier 1 risk-based capital ratio | 22.9762% | 1,085 |
| Total risk-based capital ratio | 23.6672% | 1,126 |
| Memoranda: | ||
| Average total assets | $1,044,724,500 | 653 |
| Average earning assets | $980,012,000 | 622 |
| Average equity | $69,095,500 | 968 |
| Average total loans | $301,674,500 | 1,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 7,824 |
| Cost of funding earning assets | 1.7466% | 4,265 |
| Net interest margin | 1.7915% | 7,805 |
| Noninterest income to average assets | 0.1713% | 6,853 |
| Noninterest expense to average assets | 1.9292% | 7,457 |
| Loan and lease loss provision to assets | 0.2042% | 5,710 |
| Net operating income to assets | -0.2150% | 5,855 |
| Return on assets (ROA) | -1.8891% | 7,043 |
| Pretax return on assets | -2.4020% | 7,111 |
| Return on Equity (ROE) | -37.5230% | 7,530 |
| Retained earnings to average equity (ytd only) | -37.5230% | 7,519 |
| Net charge-offs to loans | 0.2745% | 4,907 |
| Credit loss provision to net charge-offs | 229.3275% | 1,610 |
| Earnings coverage of net charge-offs (x) | -0.8831% | 6,858 |
| Efficiency ratio | 104.2493% | 946 |
| Assets per employee ($millions) | 9.0761% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 7,361 |
| Loan loss allowance to noncurrent loans | 4.5770% | 7,424 |
| Noncurrent assets plus other real estate owned to assets | 4.5480% | 1,420 |
| Noncurrent loans to loans | 15.4953% | 159 |
| Net loans and leases to total assets | 29.0533% | 7,732 |
| Net loans and leases to deposits | 31.9815% | 7,784 |
| Net loans and leases to core deposits | 34.7527% | 7,830 |
| Total domestic deposits to total assets | 90.8442% | 597 |
| Equity capital to assets | 6.5162% | 7,558 |
| Core capital (leverage) ratio | 7.0254% | 7,216 |
| Tier 1 risk-based capital ratio | 18.3913% | 1,776 |
| Total risk-based capital ratio | 18.9376% | 1,930 |
| Memoranda: | ||
| Average total assets | $1,018,620,600 | 659 |
| Average earning assets | $954,794,600 | 636 |
| Average equity | $51,283,200 | 1,305 |
| Average total loans | $330,385,600 | 1,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 7,897 |
| Cost of funding earning assets | 1.7732% | 4,509 |
| Net interest margin | 1.9138% | 7,846 |
| Noninterest income to average assets | 0.1732% | 6,976 |
| Noninterest expense to average assets | 1.9552% | 7,459 |
| Loan and lease loss provision to assets | 0.2398% | 5,048 |
| Net operating income to assets | -0.1849% | 6,035 |
| Return on assets (ROA) | -2.1690% | 7,368 |
| Pretax return on assets | -2.6981% | 7,417 |
| Return on Equity (ROE) | -46.6195% | 7,807 |
| Retained earnings to average equity (ytd only) | -46.6195% | 7,801 |
| Net charge-offs to loans | 0.2428% | 4,531 |
| Credit loss provision to net charge-offs | 297.0636% | 1,392 |
| Earnings coverage of net charge-offs (x) | 0.2708% | 5,738 |
| Efficiency ratio | 98.8941% | 1,117 |
| Assets per employee ($millions) | 9.4024% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 7,381 |
| Loan loss allowance to noncurrent loans | 5.7346% | 7,503 |
| Noncurrent assets plus other real estate owned to assets | 3.7016% | 1,759 |
| Noncurrent loans to loans | 12.1454% | 262 |
| Net loans and leases to total assets | 30.0682% | 7,805 |
| Net loans and leases to deposits | 33.2061% | 7,869 |
| Net loans and leases to core deposits | 36.1013% | 7,899 |
| Total domestic deposits to total assets | 90.5503% | 567 |
| Equity capital to assets | 6.1856% | 7,822 |
| Core capital (leverage) ratio | 6.9357% | 7,472 |
| Tier 1 risk-based capital ratio | 19.5336% | 1,639 |
| Total risk-based capital ratio | 20.1289% | 1,737 |
| Memoranda: | ||
| Average total assets | $1,012,339,000 | 669 |
| Average earning assets | $954,186,250 | 645 |
| Average equity | $47,100,750 | 1,454 |
| Average total loans | $336,629,750 | 1,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 7,921 |
| Cost of funding earning assets | 1.8262% | 4,627 |
| Net interest margin | 2.1141% | 7,800 |
| Noninterest income to average assets | 0.1789% | 7,016 |
| Noninterest expense to average assets | 1.9757% | 7,502 |
| Loan and lease loss provision to assets | 0.0200% | 7,027 |
| Net operating income to assets | 0.1657% | 5,364 |
| Return on assets (ROA) | -2.5009% | 7,552 |
| Pretax return on assets | -2.6464% | 7,459 |
| Return on Equity (ROE) | -60.6947% | 7,975 |
| Retained earnings to average equity (ytd only) | -60.6947% | 7,970 |
| Net charge-offs to loans | 0.1263% | 4,902 |
| Credit loss provision to net charge-offs | 46.0829% | 5,816 |
| Earnings coverage of net charge-offs (x) | 4.1659% | 3,190 |
| Efficiency ratio | 91.6304% | 1,669 |
| Assets per employee ($millions) | 8.9131% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2681% | 8,017 |
| Loan loss allowance to noncurrent loans | 2.7350% | 7,557 |
| Noncurrent assets plus other real estate owned to assets | 3.1877% | 1,970 |
| Noncurrent loans to loans | 9.8034% | 366 |
| Net loans and leases to total assets | 32.0676% | 7,842 |
| Net loans and leases to deposits | 34.1764% | 7,934 |
| Net loans and leases to core deposits | 37.1049% | 7,962 |
| Total domestic deposits to total assets | 93.8297% | 60 |
| Equity capital to assets | 5.6266% | 7,985 |
| Core capital (leverage) ratio | 6.8511% | 7,634 |
| Tier 1 risk-based capital ratio | 17.6301% | 2,107 |
| Total risk-based capital ratio | 17.8484% | 2,367 |
| Memoranda: | ||
| Average total assets | $1,001,896,330 | 693 |
| Average earning assets | $937,053,000 | 671 |
| Average equity | $41,282,000 | 1,644 |
| Average total loans | $343,502,000 | 1,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 7,980 |
| Cost of funding earning assets | 1.8376% | 4,930 |
| Net interest margin | 2.1921% | 7,808 |
| Noninterest income to average assets | 0.2127% | 6,775 |
| Noninterest expense to average assets | 1.8790% | 7,588 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3442% | 5,094 |
| Return on assets (ROA) | -3.7543% | 7,951 |
| Pretax return on assets | -3.6884% | 7,867 |
| Return on Equity (ROE) | -112.0317% | 8,160 |
| Retained earnings to average equity (ytd only) | -112.0317% | 8,156 |
| Net charge-offs to loans | 0.0023% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 510.0000% | 57 |
| Efficiency ratio | 82.0833% | 2,520 |
| Assets per employee ($millions) | 7.7358% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2862% | 8,042 |
| Loan loss allowance to noncurrent loans | 3.4925% | 7,562 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 1,977 |
| Noncurrent loans to loans | 8.1961% | 428 |
| Net loans and leases to total assets | 34.5931% | 7,784 |
| Net loans and leases to deposits | 36.6917% | 7,928 |
| Net loans and leases to core deposits | 39.7891% | 7,983 |
| Total domestic deposits to total assets | 94.2805% | 31 |
| Equity capital to assets | 3.3044% | 8,194 |
| Core capital (leverage) ratio | 5.6204% | 8,066 |
| Tier 1 risk-based capital ratio | 13.2588% | 4,018 |
| Total risk-based capital ratio | 13.4923% | 4,664 |
| Memoranda: | ||
| Average total assets | $994,796,500 | 695 |
| Average earning assets | $942,306,000 | 667 |
| Average equity | $33,337,000 | 2,034 |
| Average total loans | $351,896,000 | 1,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 8,028 |
| Cost of funding earning assets | 2.1402% | 5,874 |
| Net interest margin | 2.3643% | 7,878 |
| Noninterest income to average assets | 0.1756% | 7,176 |
| Noninterest expense to average assets | 1.7658% | 7,789 |
| Loan and lease loss provision to assets | 0.0877% | 6,282 |
| Net operating income to assets | 0.4712% | 4,863 |
| Return on assets (ROA) | -1.0894% | 7,221 |
| Pretax return on assets | -1.2757% | 7,151 |
| Return on Equity (ROE) | -22.8302% | 7,821 |
| Retained earnings to average equity (ytd only) | -22.8302% | 7,755 |
| Net charge-offs to loans | 0.0021% | 6,996 |
| Credit loss provision to net charge-offs | 18,140.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,341.0000% | 31 |
| Efficiency ratio | 73.1553% | 3,723 |
| Assets per employee ($millions) | 7.0834% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2777% | 8,105 |
| Loan loss allowance to noncurrent loans | 9.7200% | 7,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 4,151 |
| Noncurrent loans to loans | 2.8569% | 1,893 |
| Net loans and leases to total assets | 35.9591% | 7,831 |
| Net loans and leases to deposits | 38.5682% | 7,965 |
| Net loans and leases to core deposits | 41.6326% | 8,027 |
| Total domestic deposits to total assets | 93.2351% | 48 |
| Equity capital to assets | 3.3982% | 8,268 |
| Core capital (leverage) ratio | 5.4584% | 8,167 |
| Tier 1 risk-based capital ratio | 12.7887% | 4,230 |
| Total risk-based capital ratio | 13.0199% | 4,918 |
| Memoranda: | ||
| Average total assets | $1,034,743,200 | 639 |
| Average earning assets | $979,578,200 | 613 |
| Average equity | $49,377,600 | 1,380 |
| Average total loans | $237,214,200 | 1,991 |