Home > Emigrant Savings Bank - Long Island > Performance and Condition Ratios
Emigrant Savings Bank - Long Island, 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 | 2.9759% | 6,910 |
| Cost of funding earning assets | 1.0572% | 1,250 |
| Net interest margin | 1.9186% | 7,059 |
| Noninterest income to average assets | 0.0440% | 6,826 |
| Noninterest expense to average assets | 1.8761% | 6,565 |
| Loan and lease loss provision to assets | 0.0969% | 4,361 |
| Net operating income to assets | -0.0713% | 6,373 |
| Return on assets (ROA) | 0.0667% | 6,321 |
| Pretax return on assets | 0.0891% | 6,286 |
| Return on Equity (ROE) | 0.9186% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.9186% | 5,802 |
| Net charge-offs to loans | 0.4566% | 2,273 |
| Credit loss provision to net charge-offs | 55.1817% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.0121% | 5,329 |
| Efficiency ratio | 99.8867% | 536 |
| Assets per employee ($millions) | 10.6704% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,507 |
| Loan loss allowance to noncurrent loans | 6.0159% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 9.4599% | 272 |
| Noncurrent loans to loans | 22.7350% | 24 |
| Net loans and leases to total assets | 35.4188% | 6,582 |
| Net loans and leases to deposits | 39.6715% | 6,685 |
| Net loans and leases to core deposits | 40.6420% | 6,718 |
| Total domestic deposits to total assets | 89.2802% | 1,255 |
| Equity capital to assets | 7.3872% | 6,795 |
| Core capital (leverage) ratio | 7.6848% | 6,535 |
| Tier 1 risk-based capital ratio | 21.3037% | 1,451 |
| Total risk-based capital ratio | 22.5557% | 1,422 |
| Memoranda: | ||
| Average total assets | $564,049,750 | 1,189 |
| Average earning assets | $539,259,250 | 1,137 |
| Average equity | $40,930,250 | 1,718 |
| Average total loans | $216,956,250 | 1,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 6,945 |
| Cost of funding earning assets | 1.0927% | 1,243 |
| Net interest margin | 1.9797% | 7,109 |
| Noninterest income to average assets | 0.0636% | 6,811 |
| Noninterest expense to average assets | 1.9789% | 6,479 |
| Loan and lease loss provision to assets | 0.1818% | 3,285 |
| Net operating income to assets | -0.1038% | 6,439 |
| Return on assets (ROA) | -0.0561% | 6,508 |
| Pretax return on assets | -0.1311% | 6,540 |
| Return on Equity (ROE) | -0.7775% | 6,524 |
| Retained earnings to average equity (ytd only) | -0.7775% | 6,174 |
| Net charge-offs to loans | 0.4893% | 2,117 |
| Credit loss provision to net charge-offs | 94.4341% | 2,923 |
| Earnings coverage of net charge-offs (x) | -0.1243% | 5,136 |
| Efficiency ratio | 101.2240% | 519 |
| Assets per employee ($millions) | 10.5333% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,214 |
| Loan loss allowance to noncurrent loans | 6.1524% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 10.1120% | 254 |
| Noncurrent loans to loans | 23.7071% | 26 |
| Net loans and leases to total assets | 37.2132% | 6,534 |
| Net loans and leases to deposits | 41.9062% | 6,650 |
| Net loans and leases to core deposits | 42.8664% | 6,701 |
| Total domestic deposits to total assets | 88.8011% | 1,638 |
| Equity capital to assets | 7.2776% | 6,851 |
| Core capital (leverage) ratio | 7.6256% | 6,556 |
| Tier 1 risk-based capital ratio | 21.2307% | 1,435 |
| Total risk-based capital ratio | 22.4846% | 1,408 |
| Memoranda: | ||
| Average total assets | $559,998,670 | 1,203 |
| Average earning assets | $535,020,330 | 1,143 |
| Average equity | $40,385,330 | 1,729 |
| Average total loans | $220,303,670 | 1,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1561% | 6,977 |
| Cost of funding earning assets | 1.1438% | 1,199 |
| Net interest margin | 2.0123% | 7,163 |
| Noninterest income to average assets | 0.0526% | 6,917 |
| Noninterest expense to average assets | 1.9345% | 6,578 |
| Loan and lease loss provision to assets | 0.1411% | 3,589 |
| Net operating income to assets | -0.0958% | 6,536 |
| Return on assets (ROA) | 0.0374% | 6,473 |
| Pretax return on assets | 0.0367% | 6,471 |
| Return on Equity (ROE) | 0.5216% | 6,435 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,832 |
| Net charge-offs to loans | 0.3067% | 2,436 |
| Credit loss provision to net charge-offs | 114.6199% | 2,062 |
| Earnings coverage of net charge-offs (x) | 0.3626% | 4,180 |
| Efficiency ratio | 97.7446% | 649 |
| Assets per employee ($millions) | 10.3936% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 4,391 |
| Loan loss allowance to noncurrent loans | 5.8792% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 10.4050% | 272 |
| Noncurrent loans to loans | 24.6067% | 22 |
| Net loans and leases to total assets | 38.6955% | 6,443 |
| Net loans and leases to deposits | 43.7754% | 6,569 |
| Net loans and leases to core deposits | 44.7285% | 6,630 |
| Total domestic deposits to total assets | 88.3954% | 2,072 |
| Equity capital to assets | 7.3318% | 6,839 |
| Core capital (leverage) ratio | 7.7020% | 6,484 |
| Tier 1 risk-based capital ratio | 21.3066% | 1,423 |
| Total risk-based capital ratio | 22.5614% | 1,399 |
| Memoranda: | ||
| Average total assets | $555,599,000 | 1,220 |
| Average earning assets | $531,916,000 | 1,154 |
| Average equity | $39,880,500 | 1,745 |
| Average total loans | $223,055,000 | 1,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 6,915 |
| Cost of funding earning assets | 1.3110% | 1,428 |
| Net interest margin | 2.3151% | 7,141 |
| Noninterest income to average assets | 0.0807% | 6,715 |
| Noninterest expense to average assets | 1.7928% | 6,958 |
| Loan and lease loss provision to assets | 0.4236% | 2,473 |
| Net operating income to assets | 0.0566% | 5,951 |
| Return on assets (ROA) | 0.0875% | 6,010 |
| Pretax return on assets | 0.1239% | 5,932 |
| Return on Equity (ROE) | 1.1987% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.1987% | 5,292 |
| Net charge-offs to loans | 0.5659% | 2,758 |
| Credit loss provision to net charge-offs | 166.5947% | 1,626 |
| Earnings coverage of net charge-offs (x) | 1.9820% | 4,296 |
| Efficiency ratio | 78.0568% | 2,581 |
| Assets per employee ($millions) | 10.1842% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 4,456 |
| Loan loss allowance to noncurrent loans | 5.1580% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 11.5582% | 238 |
| Noncurrent loans to loans | 27.1645% | 20 |
| Net loans and leases to total assets | 40.4731% | 6,512 |
| Net loans and leases to deposits | 45.3982% | 6,654 |
| Net loans and leases to core deposits | 46.3906% | 6,721 |
| Total domestic deposits to total assets | 89.1513% | 1,448 |
| Equity capital to assets | 7.0209% | 6,957 |
| Core capital (leverage) ratio | 7.4603% | 6,671 |
| Tier 1 risk-based capital ratio | 20.1336% | 1,609 |
| Total risk-based capital ratio | 21.3878% | 1,575 |
| Memoranda: | ||
| Average total assets | $546,242,400 | 1,208 |
| Average earning assets | $522,870,800 | 1,138 |
| Average equity | $39,877,400 | 1,694 |
| Average total loans | $245,455,600 | 1,704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 6,827 |
| Cost of funding earning assets | 1.3310% | 1,546 |
| Net interest margin | 2.4792% | 7,142 |
| Noninterest income to average assets | 0.0775% | 6,851 |
| Noninterest expense to average assets | 1.8098% | 6,987 |
| Loan and lease loss provision to assets | 0.4311% | 2,320 |
| Net operating income to assets | 0.1316% | 5,886 |
| Return on assets (ROA) | 0.1465% | 5,965 |
| Pretax return on assets | 0.2313% | 5,841 |
| Return on Equity (ROE) | 1.9870% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.9870% | 5,145 |
| Net charge-offs to loans | 0.5192% | 2,676 |
| Credit loss provision to net charge-offs | 180.8205% | 1,644 |
| Earnings coverage of net charge-offs (x) | 2.6810% | 3,783 |
| Efficiency ratio | 73.9018% | 3,200 |
| Assets per employee ($millions) | 10.1099% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,995 |
| Loan loss allowance to noncurrent loans | 5.0025% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 11.2447% | 270 |
| Noncurrent loans to loans | 26.0443% | 23 |
| Net loans and leases to total assets | 41.9888% | 6,504 |
| Net loans and leases to deposits | 46.6958% | 6,704 |
| Net loans and leases to core deposits | 47.6357% | 6,774 |
| Total domestic deposits to total assets | 89.9199% | 907 |
| Equity capital to assets | 7.2860% | 6,991 |
| Core capital (leverage) ratio | 7.5314% | 6,748 |
| Tier 1 risk-based capital ratio | 20.3667% | 1,597 |
| Total risk-based capital ratio | 21.6198% | 1,567 |
| Memoranda: | ||
| Average total assets | $545,316,500 | 1,216 |
| Average earning assets | $521,602,750 | 1,153 |
| Average equity | $40,194,000 | 1,675 |
| Average total loans | $250,383,750 | 1,688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 6,903 |
| Cost of funding earning assets | 1.3514% | 1,641 |
| Net interest margin | 2.4673% | 7,203 |
| Noninterest income to average assets | 0.0833% | 6,909 |
| Noninterest expense to average assets | 1.8473% | 7,017 |
| Loan and lease loss provision to assets | 0.3706% | 2,567 |
| Net operating income to assets | 0.1384% | 5,914 |
| Return on assets (ROA) | 0.1607% | 5,952 |
| Pretax return on assets | 0.2568% | 5,789 |
| Return on Equity (ROE) | 2.1719% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.1719% | 4,905 |
| Net charge-offs to loans | 0.5959% | 2,328 |
| Credit loss provision to net charge-offs | 132.1990% | 2,309 |
| Earnings coverage of net charge-offs (x) | 2.1139% | 3,789 |
| Efficiency ratio | 75.7143% | 3,071 |
| Assets per employee ($millions) | 10.1967% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 6,259 |
| Loan loss allowance to noncurrent loans | 4.0675% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 11.2150% | 296 |
| Noncurrent loans to loans | 25.0173% | 32 |
| Net loans and leases to total assets | 43.8827% | 6,446 |
| Net loans and leases to deposits | 49.7220% | 6,622 |
| Net loans and leases to core deposits | 50.6749% | 6,733 |
| Total domestic deposits to total assets | 88.2561% | 1,991 |
| Equity capital to assets | 7.5373% | 6,930 |
| Core capital (leverage) ratio | 7.7521% | 6,545 |
| Tier 1 risk-based capital ratio | 20.5640% | 1,503 |
| Total risk-based capital ratio | 21.7804% | 1,483 |
| Memoranda: | ||
| Average total assets | $545,110,000 | 1,230 |
| Average earning assets | $520,649,670 | 1,171 |
| Average equity | $40,333,000 | 1,662 |
| Average total loans | $256,425,670 | 1,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 6,699 |
| Cost of funding earning assets | 1.3852% | 1,691 |
| Net interest margin | 2.6145% | 7,112 |
| Noninterest income to average assets | 0.0656% | 7,063 |
| Noninterest expense to average assets | 1.8777% | 7,029 |
| Loan and lease loss provision to assets | 0.2596% | 3,062 |
| Net operating income to assets | 0.2493% | 5,620 |
| Return on assets (ROA) | 0.2493% | 5,686 |
| Pretax return on assets | 0.4160% | 5,292 |
| Return on Equity (ROE) | 3.4014% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.4014% | 4,153 |
| Net charge-offs to loans | 0.4798% | 2,272 |
| Credit loss provision to net charge-offs | 111.7460% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.9079% | 2,923 |
| Efficiency ratio | 73.5413% | 3,602 |
| Assets per employee ($millions) | 10.0698% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,729 |
| Loan loss allowance to noncurrent loans | 3.9846% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 10.5985% | 363 |
| Noncurrent loans to loans | 22.2908% | 52 |
| Net loans and leases to total assets | 46.6857% | 6,215 |
| Net loans and leases to deposits | 52.4684% | 6,440 |
| Net loans and leases to core deposits | 53.4028% | 6,596 |
| Total domestic deposits to total assets | 88.9788% | 1,787 |
| Equity capital to assets | 7.3905% | 6,929 |
| Core capital (leverage) ratio | 7.7643% | 6,496 |
| Tier 1 risk-based capital ratio | 20.5112% | 1,476 |
| Total risk-based capital ratio | 21.6327% | 1,482 |
| Memoranda: | ||
| Average total assets | $542,355,000 | 1,240 |
| Average earning assets | $516,037,000 | 1,190 |
| Average equity | $39,748,500 | 1,675 |
| Average total loans | $262,583,000 | 1,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 6,999 |
| Cost of funding earning assets | 1.5553% | 2,330 |
| Net interest margin | 2.5866% | 7,218 |
| Noninterest income to average assets | 0.0798% | 6,989 |
| Noninterest expense to average assets | 1.8537% | 7,217 |
| Loan and lease loss provision to assets | 0.2946% | 4,442 |
| Net operating income to assets | 0.2341% | 5,164 |
| Return on assets (ROA) | 0.2618% | 5,226 |
| Pretax return on assets | 0.4385% | 4,828 |
| Return on Equity (ROE) | 3.6479% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,309 |
| Net charge-offs to loans | 0.5048% | 3,599 |
| Credit loss provision to net charge-offs | 107.6019% | 4,123 |
| Earnings coverage of net charge-offs (x) | 2.5197% | 3,852 |
| Efficiency ratio | 72.8801% | 3,620 |
| Assets per employee ($millions) | 10.0174% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 6,901 |
| Loan loss allowance to noncurrent loans | 4.1794% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 9.9748% | 414 |
| Noncurrent loans to loans | 19.9042% | 70 |
| Net loans and leases to total assets | 49.3197% | 6,240 |
| Net loans and leases to deposits | 55.6916% | 6,467 |
| Net loans and leases to core deposits | 56.6890% | 6,654 |
| Total domestic deposits to total assets | 88.5587% | 1,914 |
| Equity capital to assets | 7.2670% | 7,010 |
| Core capital (leverage) ratio | 7.6979% | 6,548 |
| Tier 1 risk-based capital ratio | 19.7975% | 1,528 |
| Total risk-based capital ratio | 20.8801% | 1,534 |
| Memoranda: | ||
| Average total assets | $528,564,400 | 1,264 |
| Average earning assets | $503,434,800 | 1,221 |
| Average equity | $37,940,000 | 1,732 |
| Average total loans | $286,650,000 | 1,563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 7,013 |
| Cost of funding earning assets | 1.5797% | 2,514 |
| Net interest margin | 2.6860% | 7,250 |
| Noninterest income to average assets | 0.0749% | 7,162 |
| Noninterest expense to average assets | 1.7914% | 7,337 |
| Loan and lease loss provision to assets | 0.3831% | 3,589 |
| Net operating income to assets | 0.2703% | 5,277 |
| Return on assets (ROA) | 0.3075% | 5,312 |
| Pretax return on assets | 0.5207% | 4,858 |
| Return on Equity (ROE) | 4.2981% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.2981% | 3,471 |
| Net charge-offs to loans | 0.6308% | 2,858 |
| Credit loss provision to net charge-offs | 109.6587% | 3,870 |
| Earnings coverage of net charge-offs (x) | 2.4205% | 3,966 |
| Efficiency ratio | 67.9303% | 4,475 |
| Assets per employee ($millions) | 9.9216% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 6,994 |
| Loan loss allowance to noncurrent loans | 4.5937% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 9.3003% | 467 |
| Noncurrent loans to loans | 17.4986% | 112 |
| Net loans and leases to total assets | 52.0785% | 6,092 |
| Net loans and leases to deposits | 58.7129% | 6,408 |
| Net loans and leases to core deposits | 59.8426% | 6,622 |
| Total domestic deposits to total assets | 88.7003% | 1,562 |
| Equity capital to assets | 7.3170% | 7,221 |
| Core capital (leverage) ratio | 7.7418% | 6,632 |
| Tier 1 risk-based capital ratio | 18.5081% | 1,867 |
| Total risk-based capital ratio | 19.5423% | 1,895 |
| Memoranda: | ||
| Average total assets | $525,470,000 | 1,281 |
| Average earning assets | $501,253,500 | 1,243 |
| Average equity | $37,597,500 | 1,772 |
| Average total loans | $291,055,250 | 1,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 7,047 |
| Cost of funding earning assets | 1.6103% | 2,598 |
| Net interest margin | 2.6924% | 7,263 |
| Noninterest income to average assets | 0.0778% | 7,199 |
| Noninterest expense to average assets | 1.8504% | 7,334 |
| Loan and lease loss provision to assets | 0.2981% | 4,003 |
| Net operating income to assets | 0.2881% | 5,227 |
| Return on assets (ROA) | 0.2881% | 5,379 |
| Pretax return on assets | 0.4869% | 4,945 |
| Return on Equity (ROE) | 4.0580% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.0580% | 3,499 |
| Net charge-offs to loans | 0.5165% | 2,981 |
| Credit loss provision to net charge-offs | 102.3684% | 3,987 |
| Earnings coverage of net charge-offs (x) | 2.6961% | 3,645 |
| Efficiency ratio | 70.2137% | 4,148 |
| Assets per employee ($millions) | 9.6899% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 7,142 |
| Loan loss allowance to noncurrent loans | 4.4002% | 7,312 |
| Noncurrent assets plus other real estate owned to assets | 9.4253% | 452 |
| Noncurrent loans to loans | 17.0737% | 128 |
| Net loans and leases to total assets | 54.1811% | 5,966 |
| Net loans and leases to deposits | 60.5196% | 6,366 |
| Net loans and leases to core deposits | 61.4797% | 6,596 |
| Total domestic deposits to total assets | 89.5265% | 1,166 |
| Equity capital to assets | 7.1350% | 7,297 |
| Core capital (leverage) ratio | 7.6407% | 6,686 |
| Tier 1 risk-based capital ratio | 17.8334% | 1,999 |
| Total risk-based capital ratio | 18.8109% | 2,050 |
| Memoranda: | ||
| Average total assets | $522,038,000 | 1,297 |
| Average earning assets | $495,917,670 | 1,262 |
| Average equity | $37,062,670 | 1,801 |
| Average total loans | $294,313,670 | 1,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 7,365 |
| Cost of funding earning assets | 1.6501% | 2,652 |
| Net interest margin | 2.4651% | 7,498 |
| Noninterest income to average assets | 0.0752% | 7,327 |
| Noninterest expense to average assets | 1.7299% | 7,550 |
| Loan and lease loss provision to assets | 0.2831% | 3,763 |
| Net operating income to assets | 0.2432% | 5,530 |
| Return on assets (ROA) | 0.2432% | 5,648 |
| Pretax return on assets | 0.4035% | 5,283 |
| Return on Equity (ROE) | 3.4338% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.4338% | 4,096 |
| Net charge-offs to loans | 0.5076% | 2,549 |
| Credit loss provision to net charge-offs | 97.3615% | 3,500 |
| Earnings coverage of net charge-offs (x) | 2.3615% | 3,362 |
| Efficiency ratio | 71.5873% | 3,999 |
| Assets per employee ($millions) | 9.7097% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 7,325 |
| Loan loss allowance to noncurrent loans | 4.4859% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 9.2829% | 460 |
| Noncurrent loans to loans | 15.7907% | 156 |
| Net loans and leases to total assets | 57.6912% | 5,497 |
| Net loans and leases to deposits | 65.0804% | 5,931 |
| Net loans and leases to core deposits | 66.1070% | 6,275 |
| Total domestic deposits to total assets | 88.6461% | 1,707 |
| Equity capital to assets | 7.2917% | 7,218 |
| Core capital (leverage) ratio | 7.7860% | 6,524 |
| Tier 1 risk-based capital ratio | 17.3350% | 2,132 |
| Total risk-based capital ratio | 18.2602% | 2,217 |
| Memoranda: | ||
| Average total assets | $521,430,500 | 1,338 |
| Average earning assets | $495,233,000 | 1,294 |
| Average equity | $36,927,000 | 1,825 |
| Average total loans | $298,645,500 | 1,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 5,599 |
| Cost of funding earning assets | 1.8911% | 3,508 |
| Net interest margin | 3.3204% | 5,665 |
| Noninterest income to average assets | 0.0872% | 7,323 |
| Noninterest expense to average assets | 1.9620% | 7,426 |
| Loan and lease loss provision to assets | 0.3122% | 4,949 |
| Net operating income to assets | 0.8316% | 2,409 |
| Return on assets (ROA) | -0.7639% | 6,409 |
| Pretax return on assets | -0.6799% | 6,171 |
| Return on Equity (ROE) | -13.8800% | 6,871 |
| Retained earnings to average equity (ytd only) | -13.8800% | 6,809 |
| Net charge-offs to loans | 0.0978% | 6,153 |
| Credit loss provision to net charge-offs | 518.3946% | 591 |
| Earnings coverage of net charge-offs (x) | 20.3880% | 1,042 |
| Efficiency ratio | 61.5103% | 6,237 |
| Assets per employee ($millions) | 9.6045% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 7,348 |
| Loan loss allowance to noncurrent loans | 4.7711% | 7,421 |
| Noncurrent assets plus other real estate owned to assets | 8.5487% | 487 |
| Noncurrent loans to loans | 14.9528% | 177 |
| Net loans and leases to total assets | 56.0643% | 5,942 |
| Net loans and leases to deposits | 65.5202% | 6,110 |
| Net loans and leases to core deposits | 74.2226% | 6,521 |
| Total domestic deposits to total assets | 85.5679% | 3,244 |
| Equity capital to assets | 6.8775% | 7,425 |
| Core capital (leverage) ratio | 7.5420% | 6,751 |
| Tier 1 risk-based capital ratio | 15.9357% | 2,552 |
| Total risk-based capital ratio | 16.8065% | 2,640 |
| Memoranda: | ||
| Average total assets | $496,528,600 | 1,386 |
| Average earning assets | $463,950,800 | 1,357 |
| Average equity | $27,327,000 | 2,423 |
| Average total loans | $305,752,000 | 1,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 5,763 |
| Cost of funding earning assets | 1.9380% | 3,671 |
| Net interest margin | 3.2909% | 5,671 |
| Noninterest income to average assets | 0.0846% | 7,479 |
| Noninterest expense to average assets | 2.0253% | 7,338 |
| Loan and lease loss provision to assets | 0.3839% | 4,024 |
| Net operating income to assets | 0.6437% | 3,430 |
| Return on assets (ROA) | -1.1265% | 6,916 |
| Pretax return on assets | -1.0230% | 6,707 |
| Return on Equity (ROE) | -21.9485% | 7,442 |
| Retained earnings to average equity (ytd only) | -21.9485% | 7,409 |
| Net charge-offs to loans | 0.1292% | 5,406 |
| Credit loss provision to net charge-offs | 472.1477% | 830 |
| Earnings coverage of net charge-offs (x) | 13.9095% | 1,640 |
| Efficiency ratio | 64.1653% | 5,719 |
| Assets per employee ($millions) | 9.5759% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 7,450 |
| Loan loss allowance to noncurrent loans | 4.7857% | 7,509 |
| Noncurrent assets plus other real estate owned to assets | 8.0729% | 528 |
| Noncurrent loans to loans | 13.9172% | 185 |
| Net loans and leases to total assets | 57.2812% | 5,998 |
| Net loans and leases to deposits | 65.9882% | 6,312 |
| Net loans and leases to core deposits | 74.7861% | 6,681 |
| Total domestic deposits to total assets | 86.8052% | 2,279 |
| Equity capital to assets | 6.3690% | 7,793 |
| Core capital (leverage) ratio | 7.3679% | 7,109 |
| Tier 1 risk-based capital ratio | 15.0290% | 3,025 |
| Total risk-based capital ratio | 15.8343% | 3,178 |
| Memoranda: | ||
| Average total assets | $488,599,000 | 1,427 |
| Average earning assets | $456,068,250 | 1,397 |
| Average equity | $25,076,250 | 2,630 |
| Average total loans | $307,618,500 | 1,577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 4,390 |
| Cost of funding earning assets | 2.0035% | 3,764 |
| Net interest margin | 3.5357% | 4,637 |
| Noninterest income to average assets | 0.0814% | 7,570 |
| Noninterest expense to average assets | 2.0977% | 7,282 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5181% | 4,024 |
| Return on assets (ROA) | -1.0186% | 6,995 |
| Pretax return on assets | -0.2738% | 6,208 |
| Return on Equity (ROE) | -21.7304% | 7,552 |
| Retained earnings to average equity (ytd only) | -21.7304% | 7,506 |
| Net charge-offs to loans | 0.0238% | 6,155 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 81.7568% | 470 |
| Efficiency ratio | 62.4224% | 6,181 |
| Assets per employee ($millions) | 9.0025% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2805% | 8,004 |
| Loan loss allowance to noncurrent loans | 2.4043% | 7,558 |
| Noncurrent assets plus other real estate owned to assets | 7.3223% | 557 |
| Noncurrent loans to loans | 11.6664% | 243 |
| Net loans and leases to total assets | 62.5880% | 5,253 |
| Net loans and leases to deposits | 67.6322% | 6,233 |
| Net loans and leases to core deposits | 76.2051% | 6,658 |
| Total domestic deposits to total assets | 92.5417% | 143 |
| Equity capital to assets | 6.1522% | 7,899 |
| Core capital (leverage) ratio | 7.2865% | 7,262 |
| Tier 1 risk-based capital ratio | 14.1439% | 3,432 |
| Total risk-based capital ratio | 14.4775% | 3,898 |
| Memoranda: | ||
| Average total assets | $479,099,330 | 1,484 |
| Average earning assets | $444,322,670 | 1,455 |
| Average equity | $22,457,000 | 2,923 |
| Average total loans | $310,762,670 | 1,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 5,512 |
| Cost of funding earning assets | 1.9877% | 4,195 |
| Net interest margin | 3.3954% | 5,156 |
| Noninterest income to average assets | 0.0842% | 7,634 |
| Noninterest expense to average assets | 1.9655% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8224% | 3,033 |
| Return on assets (ROA) | -3.1170% | 7,864 |
| Pretax return on assets | -2.6012% | 7,685 |
| Return on Equity (ROE) | -78.7227% | 8,117 |
| Retained earnings to average equity (ytd only) | -78.7227% | 8,108 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4956% | 6,475 |
| Assets per employee ($millions) | 8.2527% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2761% | 8,050 |
| Loan loss allowance to noncurrent loans | 2.9035% | 7,566 |
| Noncurrent assets plus other real estate owned to assets | 6.3103% | 605 |
| Noncurrent loans to loans | 9.5083% | 322 |
| Net loans and leases to total assets | 66.1837% | 4,547 |
| Net loans and leases to deposits | 72.4974% | 5,682 |
| Net loans and leases to core deposits | 81.2774% | 6,287 |
| Total domestic deposits to total assets | 91.2911% | 328 |
| Equity capital to assets | 4.1012% | 8,158 |
| Core capital (leverage) ratio | 5.8707% | 8,025 |
| Tier 1 risk-based capital ratio | 10.9877% | 5,919 |
| Total risk-based capital ratio | 11.3242% | 6,751 |
| Memoranda: | ||
| Average total assets | $480,082,500 | 1,486 |
| Average earning assets | $455,209,000 | 1,419 |
| Average equity | $19,008,500 | 3,415 |
| Average total loans | $316,410,000 | 1,584 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 7,770 |
| Cost of funding earning assets | 2.3355% | 4,990 |
| Net interest margin | 2.7652% | 7,386 |
| Noninterest income to average assets | 0.0694% | 7,799 |
| Noninterest expense to average assets | 1.7521% | 7,814 |
| Loan and lease loss provision to assets | 0.0698% | 6,522 |
| Net operating income to assets | 0.8587% | 3,182 |
| Return on assets (ROA) | -0.9082% | 7,114 |
| Pretax return on assets | -0.9244% | 6,958 |
| Return on Equity (ROE) | -17.5097% | 7,688 |
| Retained earnings to average equity (ytd only) | -17.5097% | 7,594 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8816% | 5,352 |
| Assets per employee ($millions) | 8.0251% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2783% | 8,103 |
| Loan loss allowance to noncurrent loans | 4.3887% | 7,550 |
| Noncurrent assets plus other real estate owned to assets | 4.1501% | 964 |
| Noncurrent loans to loans | 6.3408% | 518 |
| Net loans and leases to total assets | 65.2686% | 4,996 |
| Net loans and leases to deposits | 74.1026% | 5,830 |
| Net loans and leases to core deposits | 82.3680% | 6,427 |
| Total domestic deposits to total assets | 88.0787% | 1,437 |
| Equity capital to assets | 3.8184% | 8,253 |
| Core capital (leverage) ratio | 5.5527% | 8,152 |
| Tier 1 risk-based capital ratio | 10.7368% | 5,964 |
| Total risk-based capital ratio | 11.0903% | 6,796 |
| Memoranda: | ||
| Average total assets | $495,791,400 | 1,366 |
| Average earning assets | $471,764,000 | 1,311 |
| Average equity | $25,717,200 | 2,586 |
| Average total loans | $215,722,400 | 2,168 |