Home > Emigrant Savings Bank - Brooklyn/Queens > Performance and Condition Ratios
Emigrant Savings Bank - Brooklyn/Queens, 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 | 2.8010% | 6,972 |
| Cost of funding earning assets | 1.0009% | 1,552 |
| Net interest margin | 1.8001% | 7,075 |
| Noninterest income to average assets | 0.0713% | 6,734 |
| Noninterest expense to average assets | 1.7044% | 6,785 |
| Loan and lease loss provision to assets | 0.2017% | 3,067 |
| Net operating income to assets | -0.0693% | 6,369 |
| Return on assets (ROA) | 0.0760% | 6,302 |
| Pretax return on assets | 0.1040% | 6,269 |
| Return on Equity (ROE) | 0.9627% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.9627% | 5,783 |
| Net charge-offs to loans | 0.6902% | 1,594 |
| Credit loss provision to net charge-offs | 91.7736% | 3,236 |
| Earnings coverage of net charge-offs (x) | 0.4853% | 5,075 |
| Efficiency ratio | 94.1101% | 765 |
| Assets per employee ($millions) | 13.5256% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,644 |
| Loan loss allowance to noncurrent loans | 6.2539% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 6.7258% | 544 |
| Noncurrent loans to loans | 21.3726% | 32 |
| Net loans and leases to total assets | 29.1611% | 6,844 |
| Net loans and leases to deposits | 32.8596% | 6,892 |
| Net loans and leases to core deposits | 33.2624% | 6,911 |
| Total domestic deposits to total assets | 88.7446% | 1,569 |
| Equity capital to assets | 8.0694% | 6,561 |
| Core capital (leverage) ratio | 8.3514% | 5,944 |
| Tier 1 risk-based capital ratio | 27.1448% | 734 |
| Total risk-based capital ratio | 28.3956% | 712 |
| Memoranda: | ||
| Average total assets | $803,691,250 | 820 |
| Average earning assets | $776,762,500 | 775 |
| Average equity | $63,434,250 | 1,129 |
| Average total loans | $255,953,500 | 1,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9814% | 6,978 |
| Cost of funding earning assets | 1.0397% | 1,528 |
| Net interest margin | 1.9417% | 7,121 |
| Noninterest income to average assets | 0.0846% | 6,736 |
| Noninterest expense to average assets | 1.6538% | 6,880 |
| Loan and lease loss provision to assets | 0.2909% | 2,253 |
| Net operating income to assets | 0.0100% | 6,309 |
| Return on assets (ROA) | 0.0821% | 6,343 |
| Pretax return on assets | 0.1151% | 6,299 |
| Return on Equity (ROE) | 1.0486% | 6,294 |
| Retained earnings to average equity (ytd only) | 1.0486% | 5,656 |
| Net charge-offs to loans | 0.8656% | 1,273 |
| Credit loss provision to net charge-offs | 103.0062% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.0778% | 4,482 |
| Efficiency ratio | 84.4575% | 1,586 |
| Assets per employee ($millions) | 11.3571% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 4,647 |
| Loan loss allowance to noncurrent loans | 6.2285% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 7.1347% | 545 |
| Noncurrent loans to loans | 21.7444% | 33 |
| Net loans and leases to total assets | 30.2508% | 6,868 |
| Net loans and leases to deposits | 33.8287% | 6,925 |
| Net loans and leases to core deposits | 34.2576% | 6,954 |
| Total domestic deposits to total assets | 89.4235% | 1,255 |
| Equity capital to assets | 7.9999% | 6,565 |
| Core capital (leverage) ratio | 8.2506% | 5,990 |
| Tier 1 risk-based capital ratio | 27.6868% | 670 |
| Total risk-based capital ratio | 28.9390% | 654 |
| Memoranda: | ||
| Average total assets | $801,077,330 | 826 |
| Average earning assets | $772,938,330 | 777 |
| Average equity | $62,750,330 | 1,137 |
| Average total loans | $261,318,670 | 1,601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 6,948 |
| Cost of funding earning assets | 1.0912% | 1,445 |
| Net interest margin | 2.0987% | 7,131 |
| Noninterest income to average assets | 0.1242% | 6,634 |
| Noninterest expense to average assets | 1.6157% | 6,963 |
| Loan and lease loss provision to assets | 0.2475% | 2,484 |
| Net operating income to assets | 0.1620% | 6,089 |
| Return on assets (ROA) | 0.2815% | 5,880 |
| Pretax return on assets | 0.4734% | 5,514 |
| Return on Equity (ROE) | 3.6333% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.6333% | 4,398 |
| Net charge-offs to loans | 0.7394% | 1,379 |
| Credit loss provision to net charge-offs | 99.5968% | 2,384 |
| Earnings coverage of net charge-offs (x) | 2.1492% | 3,297 |
| Efficiency ratio | 75.1573% | 2,912 |
| Assets per employee ($millions) | 11.3205% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,201 |
| Loan loss allowance to noncurrent loans | 6.1281% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 7.1726% | 582 |
| Noncurrent loans to loans | 20.5683% | 43 |
| Net loans and leases to total assets | 32.2896% | 6,815 |
| Net loans and leases to deposits | 36.0380% | 6,889 |
| Net loans and leases to core deposits | 36.4167% | 6,929 |
| Total domestic deposits to total assets | 89.5988% | 1,301 |
| Equity capital to assets | 7.9797% | 6,534 |
| Core capital (leverage) ratio | 8.3225% | 5,841 |
| Tier 1 risk-based capital ratio | 27.4761% | 687 |
| Total risk-based capital ratio | 28.7277% | 667 |
| Memoranda: | ||
| Average total assets | $798,440,000 | 827 |
| Average earning assets | $770,559,500 | 783 |
| Average equity | $61,872,000 | 1,146 |
| Average total loans | $268,339,500 | 1,566 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 7,032 |
| Cost of funding earning assets | 1.2238% | 1,881 |
| Net interest margin | 2.2127% | 7,170 |
| Noninterest income to average assets | 0.1023% | 6,631 |
| Noninterest expense to average assets | 1.6505% | 7,083 |
| Loan and lease loss provision to assets | 0.4052% | 2,568 |
| Net operating income to assets | 0.1215% | 5,813 |
| Return on assets (ROA) | 0.1485% | 5,877 |
| Pretax return on assets | 0.2304% | 5,713 |
| Return on Equity (ROE) | 1.9398% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.9398% | 4,830 |
| Net charge-offs to loans | 0.7945% | 2,173 |
| Credit loss provision to net charge-offs | 141.0971% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.0662% | 4,233 |
| Efficiency ratio | 73.5569% | 3,299 |
| Assets per employee ($millions) | 11.3304% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,337 |
| Loan loss allowance to noncurrent loans | 5.6527% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 7.7653% | 542 |
| Noncurrent loans to loans | 21.4160% | 39 |
| Net loans and leases to total assets | 34.1083% | 6,865 |
| Net loans and leases to deposits | 38.1184% | 6,944 |
| Net loans and leases to core deposits | 38.4799% | 6,987 |
| Total domestic deposits to total assets | 89.4799% | 1,276 |
| Equity capital to assets | 7.5155% | 6,805 |
| Core capital (leverage) ratio | 7.9672% | 6,296 |
| Tier 1 risk-based capital ratio | 25.3595% | 834 |
| Total risk-based capital ratio | 26.6106% | 812 |
| Memoranda: | ||
| Average total assets | $799,856,200 | 821 |
| Average earning assets | $774,165,200 | 764 |
| Average equity | $61,242,800 | 1,102 |
| Average total loans | $289,096,600 | 1,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 7,077 |
| Cost of funding earning assets | 1.2435% | 2,036 |
| Net interest margin | 2.2605% | 7,233 |
| Noninterest income to average assets | 0.1093% | 6,707 |
| Noninterest expense to average assets | 1.6776% | 7,113 |
| Loan and lease loss provision to assets | 0.4724% | 2,100 |
| Net operating income to assets | 0.0984% | 5,967 |
| Return on assets (ROA) | 0.1141% | 6,046 |
| Pretax return on assets | 0.1723% | 5,945 |
| Return on Equity (ROE) | 1.4836% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.4836% | 5,396 |
| Net charge-offs to loans | 0.8243% | 1,921 |
| Credit loss provision to net charge-offs | 156.8194% | 1,978 |
| Earnings coverage of net charge-offs (x) | 2.0613% | 4,112 |
| Efficiency ratio | 72.9845% | 3,365 |
| Assets per employee ($millions) | 11.2515% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 5,409 |
| Loan loss allowance to noncurrent loans | 5.7136% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 7.7363% | 593 |
| Noncurrent loans to loans | 21.2505% | 48 |
| Net loans and leases to total assets | 34.6278% | 6,925 |
| Net loans and leases to deposits | 38.7231% | 7,014 |
| Net loans and leases to core deposits | 39.0871% | 7,060 |
| Total domestic deposits to total assets | 89.4241% | 1,179 |
| Equity capital to assets | 7.6121% | 6,886 |
| Core capital (leverage) ratio | 7.8956% | 6,488 |
| Tier 1 risk-based capital ratio | 25.3895% | 878 |
| Total risk-based capital ratio | 26.6412% | 870 |
| Memoranda: | ||
| Average total assets | $801,538,750 | 828 |
| Average earning assets | $776,276,250 | 769 |
| Average equity | $61,651,750 | 1,098 |
| Average total loans | $292,911,500 | 1,470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 7,119 |
| Cost of funding earning assets | 1.2652% | 2,150 |
| Net interest margin | 2.3037% | 7,279 |
| Noninterest income to average assets | 0.0925% | 6,863 |
| Noninterest expense to average assets | 1.6712% | 7,207 |
| Loan and lease loss provision to assets | 0.5411% | 1,795 |
| Net operating income to assets | 0.0764% | 6,067 |
| Return on assets (ROA) | 0.1004% | 6,094 |
| Pretax return on assets | 0.1480% | 6,024 |
| Return on Equity (ROE) | 1.3014% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.3014% | 5,327 |
| Net charge-offs to loans | 1.0888% | 1,448 |
| Credit loss provision to net charge-offs | 134.1780% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.6211% | 4,076 |
| Efficiency ratio | 71.8804% | 3,760 |
| Assets per employee ($millions) | 11.4206% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,246 |
| Loan loss allowance to noncurrent loans | 4.7722% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 7.8969% | 595 |
| Noncurrent loans to loans | 21.3944% | 46 |
| Net loans and leases to total assets | 34.9584% | 7,019 |
| Net loans and leases to deposits | 39.4763% | 7,081 |
| Net loans and leases to core deposits | 39.8304% | 7,129 |
| Total domestic deposits to total assets | 88.5554% | 1,814 |
| Equity capital to assets | 7.8488% | 6,772 |
| Core capital (leverage) ratio | 8.0695% | 6,211 |
| Tier 1 risk-based capital ratio | 25.6233% | 837 |
| Total risk-based capital ratio | 26.7839% | 835 |
| Memoranda: | ||
| Average total assets | $802,433,000 | 838 |
| Average earning assets | $777,610,000 | 775 |
| Average equity | $61,932,330 | 1,092 |
| Average total loans | $297,206,670 | 1,462 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 7,106 |
| Cost of funding earning assets | 1.2990% | 2,178 |
| Net interest margin | 2.3534% | 7,283 |
| Noninterest income to average assets | 0.1002% | 6,913 |
| Noninterest expense to average assets | 1.6938% | 7,234 |
| Loan and lease loss provision to assets | 0.3398% | 2,521 |
| Net operating income to assets | 0.2110% | 5,753 |
| Return on assets (ROA) | 0.2110% | 5,814 |
| Pretax return on assets | 0.3463% | 5,521 |
| Return on Equity (ROE) | 2.7572% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.7572% | 4,511 |
| Net charge-offs to loans | 0.5816% | 2,035 |
| Credit loss provision to net charge-offs | 154.0909% | 1,858 |
| Earnings coverage of net charge-offs (x) | 3.1114% | 2,853 |
| Efficiency ratio | 71.1729% | 4,017 |
| Assets per employee ($millions) | 11.2392% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,773 |
| Loan loss allowance to noncurrent loans | 4.1490% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 8.2083% | 567 |
| Noncurrent loans to loans | 20.9745% | 57 |
| Net loans and leases to total assets | 37.2430% | 6,945 |
| Net loans and leases to deposits | 41.4302% | 7,043 |
| Net loans and leases to core deposits | 41.7690% | 7,118 |
| Total domestic deposits to total assets | 89.8934% | 1,213 |
| Equity capital to assets | 7.7266% | 6,729 |
| Core capital (leverage) ratio | 8.1041% | 6,123 |
| Tier 1 risk-based capital ratio | 25.5126% | 831 |
| Total risk-based capital ratio | 26.5504% | 830 |
| Memoranda: | ||
| Average total assets | $798,218,500 | 844 |
| Average earning assets | $773,193,500 | 789 |
| Average equity | $61,077,000 | 1,096 |
| Average total loans | $302,616,000 | 1,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 7,342 |
| Cost of funding earning assets | 1.4780% | 2,771 |
| Net interest margin | 2.1342% | 7,418 |
| Noninterest income to average assets | 0.0898% | 6,948 |
| Noninterest expense to average assets | 1.7426% | 7,314 |
| Loan and lease loss provision to assets | 0.1699% | 5,524 |
| Net operating income to assets | 0.0489% | 5,698 |
| Return on assets (ROA) | 0.7969% | 2,953 |
| Pretax return on assets | 1.3957% | 1,677 |
| Return on Equity (ROE) | 11.1961% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.1961% | 355 |
| Net charge-offs to loans | 0.4077% | 4,007 |
| Credit loss provision to net charge-offs | 102.5326% | 4,411 |
| Earnings coverage of net charge-offs (x) | 2.3945% | 3,936 |
| Efficiency ratio | 81.4518% | 2,227 |
| Assets per employee ($millions) | 11.0896% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 7,022 |
| Loan loss allowance to noncurrent loans | 4.1214% | 7,132 |
| Noncurrent assets plus other real estate owned to assets | 7.5120% | 691 |
| Noncurrent loans to loans | 18.8354% | 87 |
| Net loans and leases to total assets | 37.9557% | 7,072 |
| Net loans and leases to deposits | 42.4433% | 7,172 |
| Net loans and leases to core deposits | 42.7967% | 7,237 |
| Total domestic deposits to total assets | 89.4268% | 1,423 |
| Equity capital to assets | 7.5768% | 6,835 |
| Core capital (leverage) ratio | 8.0103% | 6,186 |
| Tier 1 risk-based capital ratio | 25.0771% | 839 |
| Total risk-based capital ratio | 26.0183% | 847 |
| Memoranda: | ||
| Average total assets | $786,248,200 | 859 |
| Average earning assets | $755,068,000 | 807 |
| Average equity | $55,965,800 | 1,184 |
| Average total loans | $319,562,800 | 1,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 7,485 |
| Cost of funding earning assets | 1.5096% | 2,917 |
| Net interest margin | 2.1070% | 7,548 |
| Noninterest income to average assets | 0.0931% | 7,080 |
| Noninterest expense to average assets | 1.7260% | 7,418 |
| Loan and lease loss provision to assets | 0.2264% | 4,809 |
| Net operating income to assets | -0.0200% | 6,030 |
| Return on assets (ROA) | 0.9813% | 2,417 |
| Pretax return on assets | 1.7260% | 1,064 |
| Return on Equity (ROE) | 14.0155% | 1,031 |
| Retained earnings to average equity (ytd only) | 14.0155% | 272 |
| Net charge-offs to loans | 0.4696% | 3,401 |
| Credit loss provision to net charge-offs | 116.8717% | 3,557 |
| Earnings coverage of net charge-offs (x) | 2.0026% | 4,214 |
| Efficiency ratio | 81.6476% | 2,102 |
| Assets per employee ($millions) | 10.8355% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 6,959 |
| Loan loss allowance to noncurrent loans | 4.4689% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 7.4616% | 705 |
| Noncurrent loans to loans | 18.3443% | 100 |
| Net loans and leases to total assets | 38.6968% | 7,153 |
| Net loans and leases to deposits | 42.9763% | 7,273 |
| Net loans and leases to core deposits | 43.2315% | 7,348 |
| Total domestic deposits to total assets | 90.0421% | 857 |
| Equity capital to assets | 7.6372% | 7,039 |
| Core capital (leverage) ratio | 8.0024% | 6,340 |
| Tier 1 risk-based capital ratio | 23.0332% | 1,066 |
| Total risk-based capital ratio | 23.9683% | 1,075 |
| Memoranda: | ||
| Average total assets | $783,196,750 | 865 |
| Average earning assets | $751,195,250 | 816 |
| Average equity | $54,833,000 | 1,220 |
| Average total loans | $323,096,000 | 1,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 7,570 |
| Cost of funding earning assets | 1.5379% | 3,021 |
| Net interest margin | 2.0605% | 7,630 |
| Noninterest income to average assets | 0.0843% | 7,161 |
| Noninterest expense to average assets | 1.7371% | 7,471 |
| Loan and lease loss provision to assets | 0.1827% | 5,041 |
| Net operating income to assets | 0.0925% | 5,884 |
| Return on assets (ROA) | 0.0925% | 5,999 |
| Pretax return on assets | 0.1322% | 5,918 |
| Return on Equity (ROE) | 1.3629% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.3629% | 5,200 |
| Net charge-offs to loans | 0.3794% | 3,464 |
| Credit loss provision to net charge-offs | 114.6302% | 3,552 |
| Earnings coverage of net charge-offs (x) | 1.9759% | 4,043 |
| Efficiency ratio | 84.6548% | 1,849 |
| Assets per employee ($millions) | 10.6602% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 7,108 |
| Loan loss allowance to noncurrent loans | 4.1160% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 7.7778% | 643 |
| Noncurrent loans to loans | 18.5703% | 102 |
| Net loans and leases to total assets | 40.5234% | 7,134 |
| Net loans and leases to deposits | 44.6817% | 7,300 |
| Net loans and leases to core deposits | 44.9068% | 7,384 |
| Total domestic deposits to total assets | 90.6934% | 602 |
| Equity capital to assets | 6.7795% | 7,417 |
| Core capital (leverage) ratio | 7.1912% | 7,076 |
| Tier 1 risk-based capital ratio | 19.9217% | 1,531 |
| Total risk-based capital ratio | 20.7930% | 1,571 |
| Memoranda: | ||
| Average total assets | $780,598,000 | 872 |
| Average earning assets | $745,451,670 | 826 |
| Average equity | $52,974,000 | 1,257 |
| Average total loans | $327,921,670 | 1,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 7,752 |
| Cost of funding earning assets | 1.5547% | 3,237 |
| Net interest margin | 1.7535% | 7,786 |
| Noninterest income to average assets | 0.0921% | 7,250 |
| Noninterest expense to average assets | 1.5958% | 7,658 |
| Loan and lease loss provision to assets | 0.0394% | 6,282 |
| Net operating income to assets | 0.0916% | 6,046 |
| Return on assets (ROA) | 0.0916% | 6,145 |
| Pretax return on assets | 0.1315% | 6,056 |
| Return on Equity (ROE) | 1.3489% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.3489% | 5,269 |
| Net charge-offs to loans | 0.0901% | 4,514 |
| Credit loss provision to net charge-offs | 102.6667% | 3,323 |
| Earnings coverage of net charge-offs (x) | 4.4533% | 2,622 |
| Efficiency ratio | 90.3273% | 1,402 |
| Assets per employee ($millions) | 10.1905% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,322 |
| Loan loss allowance to noncurrent loans | 4.1308% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 7.4589% | 685 |
| Noncurrent loans to loans | 17.2054% | 128 |
| Net loans and leases to total assets | 41.6616% | 7,144 |
| Net loans and leases to deposits | 46.3905% | 7,317 |
| Net loans and leases to core deposits | 46.7077% | 7,405 |
| Total domestic deposits to total assets | 89.8064% | 1,083 |
| Equity capital to assets | 6.8420% | 7,431 |
| Core capital (leverage) ratio | 7.3663% | 6,971 |
| Tier 1 risk-based capital ratio | 20.3919% | 1,449 |
| Total risk-based capital ratio | 21.2316% | 1,493 |
| Memoranda: | ||
| Average total assets | $781,798,000 | 890 |
| Average earning assets | $746,624,000 | 843 |
| Average equity | $53,082,000 | 1,260 |
| Average total loans | $332,992,000 | 1,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 7,653 |
| Cost of funding earning assets | 1.8372% | 3,795 |
| Net interest margin | 2.2580% | 7,615 |
| Noninterest income to average assets | 0.0970% | 7,282 |
| Noninterest expense to average assets | 1.9180% | 7,475 |
| Loan and lease loss provision to assets | 0.2638% | 5,297 |
| Net operating income to assets | 0.0405% | 5,362 |
| Return on assets (ROA) | -1.3022% | 6,767 |
| Pretax return on assets | -1.7610% | 6,842 |
| Return on Equity (ROE) | -24.3918% | 7,274 |
| Retained earnings to average equity (ytd only) | -24.3918% | 7,247 |
| Net charge-offs to loans | 0.1862% | 5,494 |
| Credit loss provision to net charge-offs | 299.0923% | 1,115 |
| Earnings coverage of net charge-offs (x) | 3.5961% | 3,281 |
| Efficiency ratio | 85.8115% | 2,140 |
| Assets per employee ($millions) | 10.1159% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,388 |
| Loan loss allowance to noncurrent loans | 4.1552% | 7,426 |
| Noncurrent assets plus other real estate owned to assets | 7.5125% | 642 |
| Noncurrent loans to loans | 16.7094% | 121 |
| Net loans and leases to total assets | 42.9309% | 7,192 |
| Net loans and leases to deposits | 48.1000% | 7,351 |
| Net loans and leases to core deposits | 53.2593% | 7,496 |
| Total domestic deposits to total assets | 89.2534% | 1,355 |
| Equity capital to assets | 6.7371% | 7,483 |
| Core capital (leverage) ratio | 7.3275% | 6,957 |
| Tier 1 risk-based capital ratio | 16.7061% | 2,234 |
| Total risk-based capital ratio | 17.4003% | 2,389 |
| Memoranda: | ||
| Average total assets | $749,515,600 | 913 |
| Average earning assets | $709,732,400 | 879 |
| Average equity | $40,013,400 | 1,670 |
| Average total loans | $354,910,200 | 1,360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 7,719 |
| Cost of funding earning assets | 1.8773% | 4,004 |
| Net interest margin | 2.3327% | 7,615 |
| Noninterest income to average assets | 0.1022% | 7,395 |
| Noninterest expense to average assets | 1.9300% | 7,495 |
| Loan and lease loss provision to assets | 0.3020% | 4,559 |
| Net operating income to assets | 0.0620% | 5,572 |
| Return on assets (ROA) | -1.6469% | 7,170 |
| Pretax return on assets | -1.9571% | 7,160 |
| Return on Equity (ROE) | -33.1252% | 7,665 |
| Retained earnings to average equity (ytd only) | -33.1252% | 7,657 |
| Net charge-offs to loans | 0.1458% | 5,240 |
| Credit loss provision to net charge-offs | 427.7354% | 928 |
| Earnings coverage of net charge-offs (x) | 5.3715% | 2,840 |
| Efficiency ratio | 83.5771% | 2,340 |
| Assets per employee ($millions) | 10.8157% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 7,453 |
| Loan loss allowance to noncurrent loans | 4.5039% | 7,510 |
| Noncurrent assets plus other real estate owned to assets | 6.8273% | 712 |
| Noncurrent loans to loans | 14.7768% | 149 |
| Net loans and leases to total assets | 44.2749% | 7,227 |
| Net loans and leases to deposits | 49.9775% | 7,412 |
| Net loans and leases to core deposits | 55.2962% | 7,564 |
| Total domestic deposits to total assets | 88.5896% | 1,393 |
| Equity capital to assets | 6.1943% | 7,820 |
| Core capital (leverage) ratio | 7.1273% | 7,333 |
| Tier 1 risk-based capital ratio | 16.7053% | 2,357 |
| Total risk-based capital ratio | 17.4142% | 2,509 |
| Memoranda: | ||
| Average total assets | $742,162,750 | 927 |
| Average earning assets | $702,181,500 | 901 |
| Average equity | $36,897,500 | 1,844 |
| Average total loans | $359,453,250 | 1,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 7,693 |
| Cost of funding earning assets | 1.9299% | 4,113 |
| Net interest margin | 2.4962% | 7,483 |
| Noninterest income to average assets | 0.1014% | 7,471 |
| Noninterest expense to average assets | 1.9908% | 7,476 |
| Loan and lease loss provision to assets | 0.0274% | 6,968 |
| Net operating income to assets | 0.4480% | 4,299 |
| Return on assets (ROA) | -1.9510% | 7,412 |
| Pretax return on assets | -1.9595% | 7,276 |
| Return on Equity (ROE) | -43.0042% | 7,867 |
| Retained earnings to average equity (ytd only) | -43.0042% | 7,857 |
| Net charge-offs to loans | 0.0363% | 5,949 |
| Credit loss provision to net charge-offs | 151.5152% | 3,035 |
| Earnings coverage of net charge-offs (x) | 25.8182% | 1,107 |
| Efficiency ratio | 81.0033% | 2,885 |
| Assets per employee ($millions) | 9.3868% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2954% | 7,992 |
| Loan loss allowance to noncurrent loans | 2.3272% | 7,559 |
| Noncurrent assets plus other real estate owned to assets | 6.2441% | 760 |
| Noncurrent loans to loans | 12.6955% | 192 |
| Net loans and leases to total assets | 48.6731% | 6,978 |
| Net loans and leases to deposits | 52.2505% | 7,369 |
| Net loans and leases to core deposits | 57.5622% | 7,537 |
| Total domestic deposits to total assets | 93.1534% | 91 |
| Equity capital to assets | 6.0120% | 7,926 |
| Core capital (leverage) ratio | 7.1600% | 7,395 |
| Tier 1 risk-based capital ratio | 16.4219% | 2,470 |
| Total risk-based capital ratio | 16.7449% | 2,745 |
| Memoranda: | ||
| Average total assets | $729,973,330 | 954 |
| Average earning assets | $689,048,670 | 926 |
| Average equity | $33,117,670 | 2,050 |
| Average total loans | $363,573,670 | 1,372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 7,729 |
| Cost of funding earning assets | 1.9360% | 4,458 |
| Net interest margin | 2.5501% | 7,441 |
| Noninterest income to average assets | 0.1070% | 7,498 |
| Noninterest expense to average assets | 1.8878% | 7,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5076% | 4,385 |
| Return on assets (ROA) | -3.6676% | 7,936 |
| Pretax return on assets | -3.5221% | 7,843 |
| Return on Equity (ROE) | -96.6188% | 8,151 |
| Retained earnings to average equity (ytd only) | -96.6188% | 8,148 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2981% | 3,771 |
| Assets per employee ($millions) | 8.6778% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2793% | 8,046 |
| Loan loss allowance to noncurrent loans | 2.7807% | 7,568 |
| Noncurrent assets plus other real estate owned to assets | 5.0888% | 884 |
| Noncurrent loans to loans | 10.0431% | 289 |
| Net loans and leases to total assets | 50.0634% | 6,861 |
| Net loans and leases to deposits | 54.0675% | 7,283 |
| Net loans and leases to core deposits | 59.4865% | 7,477 |
| Total domestic deposits to total assets | 92.5944% | 110 |
| Equity capital to assets | 3.8526% | 8,169 |
| Core capital (leverage) ratio | 5.8247% | 8,032 |
| Tier 1 risk-based capital ratio | 12.4939% | 4,556 |
| Total risk-based capital ratio | 12.7951% | 5,261 |
| Memoranda: | ||
| Average total assets | $728,875,500 | 957 |
| Average earning assets | $695,651,000 | 918 |
| Average equity | $27,667,500 | 2,442 |
| Average total loans | $366,648,000 | 1,376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 7,964 |
| Cost of funding earning assets | 2.2712% | 5,284 |
| Net interest margin | 2.4657% | 7,791 |
| Noninterest income to average assets | 0.0918% | 7,672 |
| Noninterest expense to average assets | 1.6981% | 7,870 |
| Loan and lease loss provision to assets | 0.0861% | 6,306 |
| Net operating income to assets | 0.5920% | 4,337 |
| Return on assets (ROA) | -1.3176% | 7,338 |
| Pretax return on assets | -1.4402% | 7,228 |
| Return on Equity (ROE) | -26.7192% | 7,897 |
| Retained earnings to average equity (ytd only) | -26.7192% | 7,845 |
| Net charge-offs to loans | 0.0191% | 6,596 |
| Credit loss provision to net charge-offs | 1,229.6296% | 366 |
| Earnings coverage of net charge-offs (x) | 106.2778% | 407 |
| Efficiency ratio | 69.5237% | 4,443 |
| Assets per employee ($millions) | 8.0089% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2782% | 8,104 |
| Loan loss allowance to noncurrent loans | 4.6778% | 7,547 |
| Noncurrent assets plus other real estate owned to assets | 3.0449% | 1,508 |
| Noncurrent loans to loans | 5.9476% | 608 |
| Net loans and leases to total assets | 50.2626% | 7,006 |
| Net loans and leases to deposits | 55.3178% | 7,368 |
| Net loans and leases to core deposits | 60.4552% | 7,565 |
| Total domestic deposits to total assets | 90.8616% | 365 |
| Equity capital to assets | 3.7392% | 8,256 |
| Core capital (leverage) ratio | 5.4895% | 8,163 |
| Tier 1 risk-based capital ratio | 12.3660% | 4,534 |
| Total risk-based capital ratio | 12.6760% | 5,213 |
| Memoranda: | ||
| Average total assets | $770,958,200 | 881 |
| Average earning assets | $734,991,600 | 829 |
| Average equity | $38,017,600 | 1,777 |
| Average total loans | $283,167,000 | 1,702 |