Home > Emigrant Savings Bank - Manhattan > Performance and Condition Ratios
Emigrant Savings Bank - Manhattan, 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 | 2.6835% | 7,004 |
| Cost of funding earning assets | 0.9305% | 1,975 |
| Net interest margin | 1.7529% | 7,083 |
| Noninterest income to average assets | 0.0789% | 6,696 |
| Noninterest expense to average assets | 1.6378% | 6,845 |
| Loan and lease loss provision to assets | 0.0388% | 5,290 |
| Net operating income to assets | 0.0537% | 6,204 |
| Return on assets (ROA) | 0.2306% | 6,022 |
| Pretax return on assets | 0.3803% | 5,763 |
| Return on Equity (ROE) | 2.7157% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.7157% | 4,921 |
| Net charge-offs to loans | 0.2819% | 3,035 |
| Credit loss provision to net charge-offs | 51.8466% | 4,356 |
| Earnings coverage of net charge-offs (x) | 1.9063% | 4,307 |
| Efficiency ratio | 91.9952% | 888 |
| Assets per employee ($millions) | 15.2501% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,084 |
| Loan loss allowance to noncurrent loans | 10.3318% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 3.1837% | 1,617 |
| Noncurrent loans to loans | 12.0197% | 170 |
| Net loans and leases to total assets | 24.3142% | 6,962 |
| Net loans and leases to deposits | 27.8707% | 6,986 |
| Net loans and leases to core deposits | 28.2878% | 6,989 |
| Total domestic deposits to total assets | 87.2394% | 2,534 |
| Equity capital to assets | 8.7800% | 6,035 |
| Core capital (leverage) ratio | 9.0872% | 4,934 |
| Tier 1 risk-based capital ratio | 31.8470% | 450 |
| Total risk-based capital ratio | 32.9453% | 449 |
| Memoranda: | ||
| Average total assets | $1,255,582,750 | 528 |
| Average earning assets | $1,218,645,500 | 492 |
| Average equity | $106,636,000 | 668 |
| Average total loans | $332,924,750 | 1,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8299% | 7,034 |
| Cost of funding earning assets | 0.9631% | 1,977 |
| Net interest margin | 1.8669% | 7,137 |
| Noninterest income to average assets | 0.0728% | 6,785 |
| Noninterest expense to average assets | 1.6074% | 6,915 |
| Loan and lease loss provision to assets | 0.0522% | 5,009 |
| Net operating income to assets | 0.1342% | 6,083 |
| Return on assets (ROA) | 0.2008% | 6,096 |
| Pretax return on assets | 0.3268% | 5,906 |
| Return on Equity (ROE) | 2.3912% | 5,916 |
| Retained earnings to average equity (ytd only) | 2.3912% | 4,998 |
| Net charge-offs to loans | 0.2853% | 2,894 |
| Credit loss provision to net charge-offs | 67.4227% | 3,626 |
| Earnings coverage of net charge-offs (x) | 3.5505% | 3,339 |
| Efficiency ratio | 85.3894% | 1,487 |
| Assets per employee ($millions) | 14.5279% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 5,177 |
| Loan loss allowance to noncurrent loans | 12.2007% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8835% | 1,915 |
| Noncurrent loans to loans | 10.1349% | 260 |
| Net loans and leases to total assets | 25.8973% | 6,984 |
| Net loans and leases to deposits | 29.5383% | 7,016 |
| Net loans and leases to core deposits | 29.9840% | 7,026 |
| Total domestic deposits to total assets | 87.6735% | 2,354 |
| Equity capital to assets | 8.7118% | 6,013 |
| Core capital (leverage) ratio | 8.9500% | 4,984 |
| Tier 1 risk-based capital ratio | 33.1491% | 400 |
| Total risk-based capital ratio | 34.3659% | 395 |
| Memoranda: | ||
| Average total assets | $1,252,189,670 | 532 |
| Average earning assets | $1,213,806,670 | 499 |
| Average equity | $105,136,670 | 672 |
| Average total loans | $340,023,000 | 1,251 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8630% | 7,089 |
| Cost of funding earning assets | 1.0056% | 1,946 |
| Net interest margin | 1.8574% | 7,192 |
| Noninterest income to average assets | 0.0632% | 6,882 |
| Noninterest expense to average assets | 1.5801% | 6,995 |
| Loan and lease loss provision to assets | 0.1241% | 3,790 |
| Net operating income to assets | 0.0904% | 6,254 |
| Return on assets (ROA) | 0.2119% | 6,096 |
| Pretax return on assets | 0.3468% | 5,866 |
| Return on Equity (ROE) | 2.5716% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.5716% | 4,970 |
| Net charge-offs to loans | 0.3709% | 2,200 |
| Credit loss provision to net charge-offs | 121.1838% | 1,967 |
| Earnings coverage of net charge-offs (x) | 2.7445% | 3,082 |
| Efficiency ratio | 84.8963% | 1,589 |
| Assets per employee ($millions) | 14.6732% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,275 |
| Loan loss allowance to noncurrent loans | 12.0925% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 3.0717% | 1,898 |
| Noncurrent loans to loans | 10.3021% | 288 |
| Net loans and leases to total assets | 26.8677% | 7,006 |
| Net loans and leases to deposits | 30.6857% | 7,036 |
| Net loans and leases to core deposits | 31.1479% | 7,056 |
| Total domestic deposits to total assets | 87.5576% | 2,616 |
| Equity capital to assets | 8.4387% | 6,137 |
| Core capital (leverage) ratio | 8.7768% | 5,160 |
| Tier 1 risk-based capital ratio | 32.1556% | 430 |
| Total risk-based capital ratio | 33.4057% | 421 |
| Memoranda: | ||
| Average total assets | $1,253,584,000 | 532 |
| Average earning assets | $1,213,553,500 | 496 |
| Average equity | $103,282,500 | 687 |
| Average total loans | $346,228,500 | 1,215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 7,018 |
| Cost of funding earning assets | 1.1085% | 2,615 |
| Net interest margin | 2.3449% | 7,125 |
| Noninterest income to average assets | 0.0813% | 6,713 |
| Noninterest expense to average assets | 1.7006% | 7,054 |
| Loan and lease loss provision to assets | 0.1435% | 4,820 |
| Net operating income to assets | 0.3021% | 5,242 |
| Return on assets (ROA) | 0.3367% | 5,275 |
| Pretax return on assets | 0.5644% | 4,797 |
| Return on Equity (ROE) | 4.1350% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.1350% | 3,240 |
| Net charge-offs to loans | 0.4193% | 3,334 |
| Credit loss provision to net charge-offs | 111.9572% | 2,957 |
| Earnings coverage of net charge-offs (x) | 5.1020% | 2,897 |
| Efficiency ratio | 72.2306% | 3,520 |
| Assets per employee ($millions) | 14.6503% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,364 |
| Loan loss allowance to noncurrent loans | 12.1619% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 3.0625% | 1,957 |
| Noncurrent loans to loans | 9.9124% | 326 |
| Net loans and leases to total assets | 27.6991% | 7,067 |
| Net loans and leases to deposits | 31.3380% | 7,106 |
| Net loans and leases to core deposits | 31.8142% | 7,117 |
| Total domestic deposits to total assets | 88.3880% | 1,912 |
| Equity capital to assets | 8.0366% | 6,547 |
| Core capital (leverage) ratio | 8.5403% | 5,491 |
| Tier 1 risk-based capital ratio | 31.2857% | 459 |
| Total risk-based capital ratio | 32.5359% | 455 |
| Memoranda: | ||
| Average total assets | $1,239,975,000 | 529 |
| Average earning assets | $1,202,035,600 | 494 |
| Average equity | $100,967,000 | 681 |
| Average total loans | $378,970,200 | 1,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 7,116 |
| Cost of funding earning assets | 1.1228% | 2,814 |
| Net interest margin | 2.3142% | 7,217 |
| Noninterest income to average assets | 0.0761% | 6,859 |
| Noninterest expense to average assets | 1.7236% | 7,072 |
| Loan and lease loss provision to assets | 0.1622% | 4,439 |
| Net operating income to assets | 0.2594% | 5,539 |
| Return on assets (ROA) | 0.2840% | 5,621 |
| Pretax return on assets | 0.4755% | 5,241 |
| Return on Equity (ROE) | 3.4759% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.4759% | 4,266 |
| Net charge-offs to loans | 0.3920% | 3,154 |
| Credit loss provision to net charge-offs | 132.6585% | 2,400 |
| Earnings coverage of net charge-offs (x) | 4.9005% | 2,928 |
| Efficiency ratio | 74.2018% | 3,138 |
| Assets per employee ($millions) | 14.0344% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,445 |
| Loan loss allowance to noncurrent loans | 11.3804% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 3.3922% | 1,870 |
| Noncurrent loans to loans | 10.5765% | 320 |
| Net loans and leases to total assets | 29.1762% | 7,112 |
| Net loans and leases to deposits | 32.6931% | 7,164 |
| Net loans and leases to core deposits | 33.1721% | 7,180 |
| Total domestic deposits to total assets | 89.2426% | 1,285 |
| Equity capital to assets | 8.1610% | 6,591 |
| Core capital (leverage) ratio | 8.4290% | 5,810 |
| Tier 1 risk-based capital ratio | 29.3849% | 581 |
| Total risk-based capital ratio | 30.6349% | 567 |
| Memoranda: | ||
| Average total assets | $1,238,649,750 | 537 |
| Average earning assets | $1,202,531,000 | 500 |
| Average equity | $101,189,250 | 687 |
| Average total loans | $386,428,000 | 1,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 7,137 |
| Cost of funding earning assets | 1.1353% | 3,000 |
| Net interest margin | 2.4109% | 7,227 |
| Noninterest income to average assets | 0.0892% | 6,880 |
| Noninterest expense to average assets | 1.7526% | 7,132 |
| Loan and lease loss provision to assets | 0.0576% | 5,597 |
| Net operating income to assets | 0.3595% | 5,134 |
| Return on assets (ROA) | 0.3963% | 5,110 |
| Pretax return on assets | 0.6772% | 4,471 |
| Return on Equity (ROE) | 4.8499% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.8499% | 3,089 |
| Net charge-offs to loans | 0.2611% | 3,584 |
| Credit loss provision to net charge-offs | 69.4553% | 4,067 |
| Earnings coverage of net charge-offs (x) | 8.1673% | 2,105 |
| Efficiency ratio | 72.1304% | 3,709 |
| Assets per employee ($millions) | 13.9609% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 6,229 |
| Loan loss allowance to noncurrent loans | 10.6286% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 3.1096% | 2,161 |
| Noncurrent loans to loans | 9.6649% | 409 |
| Net loans and leases to total assets | 29.9469% | 7,179 |
| Net loans and leases to deposits | 34.0218% | 7,221 |
| Net loans and leases to core deposits | 34.5055% | 7,249 |
| Total domestic deposits to total assets | 88.0226% | 2,119 |
| Equity capital to assets | 8.4676% | 6,222 |
| Core capital (leverage) ratio | 8.6443% | 5,318 |
| Tier 1 risk-based capital ratio | 29.8949% | 540 |
| Total risk-based capital ratio | 30.9823% | 532 |
| Memoranda: | ||
| Average total assets | $1,239,857,000 | 540 |
| Average earning assets | $1,203,710,000 | 503 |
| Average equity | $101,322,000 | 681 |
| Average total loans | $393,662,670 | 1,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 7,065 |
| Cost of funding earning assets | 1.1537% | 3,136 |
| Net interest margin | 2.5504% | 7,160 |
| Noninterest income to average assets | 0.0523% | 7,124 |
| Noninterest expense to average assets | 1.8606% | 7,057 |
| Loan and lease loss provision to assets | 0.0601% | 5,250 |
| Net operating income to assets | 0.3555% | 5,148 |
| Return on assets (ROA) | 0.3559% | 5,222 |
| Pretax return on assets | 0.6056% | 4,664 |
| Return on Equity (ROE) | 4.4356% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.4356% | 3,514 |
| Net charge-offs to loans | 0.3896% | 2,519 |
| Credit loss provision to net charge-offs | 47.4490% | 3,807 |
| Earnings coverage of net charge-offs (x) | 5.2526% | 2,308 |
| Efficiency ratio | 73.6701% | 3,577 |
| Assets per employee ($millions) | 13.9962% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,470 |
| Loan loss allowance to noncurrent loans | 10.0953% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 3.2299% | 2,129 |
| Noncurrent loans to loans | 9.6944% | 428 |
| Net loans and leases to total assets | 31.3231% | 7,192 |
| Net loans and leases to deposits | 35.0787% | 7,245 |
| Net loans and leases to core deposits | 35.6023% | 7,275 |
| Total domestic deposits to total assets | 89.2937% | 1,592 |
| Equity capital to assets | 8.1569% | 6,331 |
| Core capital (leverage) ratio | 8.5162% | 5,423 |
| Tier 1 risk-based capital ratio | 29.5842% | 539 |
| Total risk-based capital ratio | 30.6828% | 538 |
| Memoranda: | ||
| Average total assets | $1,238,524,000 | 543 |
| Average earning assets | $1,201,049,000 | 506 |
| Average equity | $99,377,000 | 683 |
| Average total loans | $402,514,500 | 1,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 7,373 |
| Cost of funding earning assets | 1.3361% | 3,658 |
| Net interest margin | 2.2038% | 7,394 |
| Noninterest income to average assets | 0.0907% | 6,944 |
| Noninterest expense to average assets | 1.7288% | 7,327 |
| Loan and lease loss provision to assets | 0.2340% | 4,941 |
| Net operating income to assets | 0.0767% | 5,647 |
| Return on assets (ROA) | 0.7457% | 3,140 |
| Pretax return on assets | 1.2998% | 1,923 |
| Return on Equity (ROE) | 9.9266% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.9266% | 541 |
| Net charge-offs to loans | 0.4075% | 4,008 |
| Credit loss provision to net charge-offs | 164.7262% | 2,093 |
| Earnings coverage of net charge-offs (x) | 3.4380% | 3,354 |
| Efficiency ratio | 77.9710% | 2,715 |
| Assets per employee ($millions) | 13.9931% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 6,503 |
| Loan loss allowance to noncurrent loans | 9.5253% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 3.5711% | 1,928 |
| Noncurrent loans to loans | 10.1567% | 413 |
| Net loans and leases to total assets | 33.0341% | 7,257 |
| Net loans and leases to deposits | 37.2772% | 7,319 |
| Net loans and leases to core deposits | 37.7959% | 7,357 |
| Total domestic deposits to total assets | 88.6174% | 1,881 |
| Equity capital to assets | 7.8922% | 6,589 |
| Core capital (leverage) ratio | 8.3630% | 5,593 |
| Tier 1 risk-based capital ratio | 27.3112% | 656 |
| Total risk-based capital ratio | 28.3875% | 656 |
| Memoranda: | ||
| Average total assets | $1,221,222,400 | 550 |
| Average earning assets | $1,178,393,400 | 517 |
| Average equity | $91,743,600 | 728 |
| Average total loans | $425,761,800 | 1,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 7,484 |
| Cost of funding earning assets | 1.3720% | 3,764 |
| Net interest margin | 2.2450% | 7,501 |
| Noninterest income to average assets | 0.0815% | 7,127 |
| Noninterest expense to average assets | 1.7132% | 7,429 |
| Loan and lease loss provision to assets | 0.2913% | 4,247 |
| Net operating income to assets | 0.0383% | 5,905 |
| Return on assets (ROA) | 0.9348% | 2,608 |
| Pretax return on assets | 1.6378% | 1,253 |
| Return on Equity (ROE) | 12.6069% | 1,360 |
| Retained earnings to average equity (ytd only) | 12.6069% | 388 |
| Net charge-offs to loans | 0.4840% | 3,339 |
| Credit loss provision to net charge-offs | 170.7395% | 2,176 |
| Earnings coverage of net charge-offs (x) | 3.0965% | 3,587 |
| Efficiency ratio | 76.4306% | 2,869 |
| Assets per employee ($millions) | 13.7548% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,512 |
| Loan loss allowance to noncurrent loans | 10.6736% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 3.1727% | 2,266 |
| Noncurrent loans to loans | 9.1005% | 519 |
| Net loans and leases to total assets | 32.9089% | 7,379 |
| Net loans and leases to deposits | 37.2956% | 7,443 |
| Net loans and leases to core deposits | 37.7790% | 7,465 |
| Total domestic deposits to total assets | 88.2382% | 1,837 |
| Equity capital to assets | 7.9103% | 6,864 |
| Core capital (leverage) ratio | 8.3091% | 5,855 |
| Tier 1 risk-based capital ratio | 26.0022% | 771 |
| Total risk-based capital ratio | 27.0543% | 775 |
| Memoranda: | ||
| Average total assets | $1,215,181,750 | 549 |
| Average earning assets | $1,169,122,750 | 517 |
| Average equity | $90,107,500 | 736 |
| Average total loans | $428,347,000 | 1,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 7,556 |
| Cost of funding earning assets | 1.4059% | 3,840 |
| Net interest margin | 2.2414% | 7,558 |
| Noninterest income to average assets | 0.0853% | 7,154 |
| Noninterest expense to average assets | 1.7334% | 7,475 |
| Loan and lease loss provision to assets | 0.2127% | 4,760 |
| Net operating income to assets | 0.1877% | 5,605 |
| Return on assets (ROA) | 0.1633% | 5,800 |
| Pretax return on assets | 0.2521% | 5,651 |
| Return on Equity (ROE) | 2.2537% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.2537% | 4,720 |
| Net charge-offs to loans | 0.2935% | 3,856 |
| Credit loss provision to net charge-offs | 201.5699% | 1,940 |
| Earnings coverage of net charge-offs (x) | 4.7614% | 2,855 |
| Efficiency ratio | 77.5317% | 2,804 |
| Assets per employee ($millions) | 13.2879% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,931 |
| Loan loss allowance to noncurrent loans | 8.6081% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 3.5614% | 1,976 |
| Noncurrent loans to loans | 9.7932% | 459 |
| Net loans and leases to total assets | 34.4642% | 7,407 |
| Net loans and leases to deposits | 38.1482% | 7,492 |
| Net loans and leases to core deposits | 38.6129% | 7,522 |
| Total domestic deposits to total assets | 90.3430% | 749 |
| Equity capital to assets | 7.2758% | 7,237 |
| Core capital (leverage) ratio | 7.6592% | 6,665 |
| Tier 1 risk-based capital ratio | 23.0756% | 1,061 |
| Total risk-based capital ratio | 24.0660% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,207,598,670 | 553 |
| Average earning assets | $1,158,574,330 | 521 |
| Average equity | $87,502,000 | 746 |
| Average total loans | $434,000,670 | 1,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 7,725 |
| Cost of funding earning assets | 1.4513% | 3,868 |
| Net interest margin | 1.9857% | 7,723 |
| Noninterest income to average assets | 0.0842% | 7,285 |
| Noninterest expense to average assets | 1.6003% | 7,656 |
| Loan and lease loss provision to assets | 0.2148% | 4,362 |
| Net operating income to assets | 0.1164% | 5,979 |
| Return on assets (ROA) | 0.1233% | 6,068 |
| Pretax return on assets | 0.1796% | 5,949 |
| Return on Equity (ROE) | 1.7052% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.7052% | 5,086 |
| Net charge-offs to loans | 0.3811% | 2,907 |
| Credit loss provision to net charge-offs | 154.2857% | 2,319 |
| Earnings coverage of net charge-offs (x) | 2.7619% | 3,163 |
| Efficiency ratio | 80.6279% | 2,467 |
| Assets per employee ($millions) | 13.2297% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 7,327 |
| Loan loss allowance to noncurrent loans | 7.6794% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 3.4697% | 2,031 |
| Noncurrent loans to loans | 9.1947% | 517 |
| Net loans and leases to total assets | 36.4902% | 7,413 |
| Net loans and leases to deposits | 40.7618% | 7,497 |
| Net loans and leases to core deposits | 41.3013% | 7,541 |
| Total domestic deposits to total assets | 89.5205% | 1,235 |
| Equity capital to assets | 7.3939% | 7,145 |
| Core capital (leverage) ratio | 7.8147% | 6,476 |
| Tier 1 risk-based capital ratio | 22.6815% | 1,122 |
| Total risk-based capital ratio | 23.5317% | 1,142 |
| Memoranda: | ||
| Average total assets | $1,206,800,000 | 569 |
| Average earning assets | $1,155,063,000 | 537 |
| Average equity | $87,263,500 | 759 |
| Average total loans | $440,859,500 | 1,059 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 7,593 |
| Cost of funding earning assets | 1.6314% | 4,880 |
| Net interest margin | 2.5955% | 7,339 |
| Noninterest income to average assets | 0.0914% | 7,305 |
| Noninterest expense to average assets | 1.9867% | 7,381 |
| Loan and lease loss provision to assets | 0.1615% | 6,071 |
| Net operating income to assets | 0.3465% | 4,337 |
| Return on assets (ROA) | -1.3521% | 6,793 |
| Pretax return on assets | -1.5846% | 6,744 |
| Return on Equity (ROE) | -25.4341% | 7,297 |
| Retained earnings to average equity (ytd only) | -25.4341% | 7,275 |
| Net charge-offs to loans | 0.1158% | 6,007 |
| Credit loss provision to net charge-offs | 358.1921% | 897 |
| Earnings coverage of net charge-offs (x) | 12.7589% | 1,479 |
| Efficiency ratio | 77.5484% | 3,261 |
| Assets per employee ($millions) | 13.2934% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 7,455 |
| Loan loss allowance to noncurrent loans | 7.7134% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 3.1464% | 2,197 |
| Noncurrent loans to loans | 8.5467% | 560 |
| Net loans and leases to total assets | 36.0746% | 7,517 |
| Net loans and leases to deposits | 40.5191% | 7,611 |
| Net loans and leases to core deposits | 44.5300% | 7,693 |
| Total domestic deposits to total assets | 89.0310% | 1,468 |
| Equity capital to assets | 7.0689% | 7,343 |
| Core capital (leverage) ratio | 7.6343% | 6,640 |
| Tier 1 risk-based capital ratio | 18.9918% | 1,656 |
| Total risk-based capital ratio | 19.7586% | 1,714 |
| Memoranda: | ||
| Average total assets | $1,177,876,800 | 565 |
| Average earning assets | $1,121,185,200 | 538 |
| Average equity | $62,616,800 | 1,055 |
| Average total loans | $458,443,200 | 1,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 7,667 |
| Cost of funding earning assets | 1.6604% | 5,105 |
| Net interest margin | 2.6509% | 7,290 |
| Noninterest income to average assets | 0.0892% | 7,451 |
| Noninterest expense to average assets | 2.0326% | 7,326 |
| Loan and lease loss provision to assets | 0.2123% | 5,285 |
| Net operating income to assets | 0.3219% | 4,712 |
| Return on assets (ROA) | -1.7208% | 7,200 |
| Pretax return on assets | -1.9497% | 7,154 |
| Return on Equity (ROE) | -35.3848% | 7,706 |
| Retained earnings to average equity (ytd only) | -35.3848% | 7,697 |
| Net charge-offs to loans | 0.0558% | 6,148 |
| Credit loss provision to net charge-offs | 960.3093% | 390 |
| Earnings coverage of net charge-offs (x) | 26.4073% | 1,022 |
| Efficiency ratio | 77.6853% | 3,212 |
| Assets per employee ($millions) | 13.1658% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 7,387 |
| Loan loss allowance to noncurrent loans | 8.9258% | 7,473 |
| Noncurrent assets plus other real estate owned to assets | 2.9790% | 2,325 |
| Noncurrent loans to loans | 7.7794% | 646 |
| Net loans and leases to total assets | 37.7125% | 7,560 |
| Net loans and leases to deposits | 42.5911% | 7,659 |
| Net loans and leases to core deposits | 46.7445% | 7,754 |
| Total domestic deposits to total assets | 88.5455% | 1,412 |
| Equity capital to assets | 6.4729% | 7,771 |
| Core capital (leverage) ratio | 7.3362% | 7,153 |
| Tier 1 risk-based capital ratio | 18.5991% | 1,841 |
| Total risk-based capital ratio | 19.4120% | 1,891 |
| Memoranda: | ||
| Average total assets | $1,169,921,000 | 582 |
| Average earning assets | $1,115,335,750 | 556 |
| Average equity | $56,893,000 | 1,177 |
| Average total loans | $463,231,500 | 1,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 7,648 |
| Cost of funding earning assets | 1.7046% | 5,247 |
| Net interest margin | 2.7639% | 7,078 |
| Noninterest income to average assets | 0.0887% | 7,531 |
| Noninterest expense to average assets | 1.9977% | 7,471 |
| Loan and lease loss provision to assets | 0.0173% | 7,045 |
| Net operating income to assets | 0.4757% | 4,192 |
| Return on assets (ROA) | -1.9351% | 7,406 |
| Pretax return on assets | -1.7147% | 7,177 |
| Return on Equity (ROE) | -44.9933% | 7,882 |
| Retained earnings to average equity (ytd only) | -44.9933% | 7,872 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6856% | 4,082 |
| Assets per employee ($millions) | 12.5220% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 7,952 |
| Loan loss allowance to noncurrent loans | 4.4967% | 7,545 |
| Noncurrent assets plus other real estate owned to assets | 3.1369% | 2,003 |
| Noncurrent loans to loans | 7.7066% | 591 |
| Net loans and leases to total assets | 40.5634% | 7,522 |
| Net loans and leases to deposits | 43.5615% | 7,713 |
| Net loans and leases to core deposits | 47.6700% | 7,804 |
| Total domestic deposits to total assets | 93.1176% | 94 |
| Equity capital to assets | 5.8843% | 7,946 |
| Core capital (leverage) ratio | 7.0783% | 7,479 |
| Tier 1 risk-based capital ratio | 16.9275% | 2,328 |
| Total risk-based capital ratio | 17.2612% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,156,144,670 | 598 |
| Average earning assets | $1,096,911,670 | 578 |
| Average equity | $49,723,000 | 1,389 |
| Average total loans | $464,313,000 | 1,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 7,674 |
| Cost of funding earning assets | 1.6999% | 5,599 |
| Net interest margin | 2.8431% | 6,894 |
| Noninterest income to average assets | 0.0998% | 7,543 |
| Noninterest expense to average assets | 1.9092% | 7,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5847% | 4,082 |
| Return on assets (ROA) | -3.0219% | 7,850 |
| Pretax return on assets | -2.6949% | 7,701 |
| Return on Equity (ROE) | -86.0152% | 8,134 |
| Retained earnings to average equity (ytd only) | -86.0152% | 8,126 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6787% | 5,028 |
| Assets per employee ($millions) | 11.2727% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 8,010 |
| Loan loss allowance to noncurrent loans | 5.1003% | 7,549 |
| Noncurrent assets plus other real estate owned to assets | 2.6004% | 2,201 |
| Noncurrent loans to loans | 6.4872% | 684 |
| Net loans and leases to total assets | 39.9528% | 7,569 |
| Net loans and leases to deposits | 42.9689% | 7,758 |
| Net loans and leases to core deposits | 46.9267% | 7,850 |
| Total domestic deposits to total assets | 92.9807% | 89 |
| Equity capital to assets | 3.3464% | 8,192 |
| Core capital (leverage) ratio | 5.7113% | 8,053 |
| Tier 1 risk-based capital ratio | 12.9198% | 4,233 |
| Total risk-based capital ratio | 13.2254% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,158,205,500 | 601 |
| Average earning assets | $1,108,522,500 | 576 |
| Average equity | $40,690,500 | 1,671 |
| Average total loans | $462,007,000 | 1,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 8,013 |
| Cost of funding earning assets | 1.9771% | 6,487 |
| Net interest margin | 2.5961% | 7,648 |
| Noninterest income to average assets | 0.0930% | 7,666 |
| Noninterest expense to average assets | 1.7583% | 7,805 |
| Loan and lease loss provision to assets | 0.1119% | 5,937 |
| Net operating income to assets | 0.6523% | 4,095 |
| Return on assets (ROA) | -1.0447% | 7,195 |
| Pretax return on assets | -1.1789% | 7,105 |
| Return on Equity (ROE) | -19.4561% | 7,750 |
| Retained earnings to average equity (ytd only) | -19.4561% | 7,670 |
| Net charge-offs to loans | 0.0020% | 7,001 |
| Credit loss provision to net charge-offs | 22,316.6667% | 26 |
| Earnings coverage of net charge-offs (x) | 1,674.1667% | 17 |
| Efficiency ratio | 67.6771% | 4,779 |
| Assets per employee ($millions) | 10.6054% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3293% | 8,062 |
| Loan loss allowance to noncurrent loans | 9.4679% | 7,510 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 3,426 |
| Noncurrent loans to loans | 3.4780% | 1,457 |
| Net loans and leases to total assets | 39.5665% | 7,693 |
| Net loans and leases to deposits | 43.7053% | 7,859 |
| Net loans and leases to core deposits | 47.4420% | 7,937 |
| Total domestic deposits to total assets | 90.5301% | 474 |
| Equity capital to assets | 3.6777% | 8,259 |
| Core capital (leverage) ratio | 5.7822% | 8,132 |
| Tier 1 risk-based capital ratio | 13.2841% | 3,943 |
| Total risk-based capital ratio | 13.5886% | 4,445 |
| Memoranda: | ||
| Average total assets | $1,196,163,800 | 558 |
| Average earning assets | $1,154,205,200 | 531 |
| Average equity | $64,226,800 | 1,040 |
| Average total loans | $305,551,800 | 1,585 |