Home > Fidelity Savings Bank > Performance and Condition Ratios
Fidelity Savings Bank, 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 | 3.8198% | 5,974 |
| Cost of funding earning assets | 1.4897% | 213 |
| Net interest margin | 2.3301% | 6,930 |
| Noninterest income to average assets | 0.6751% | 2,848 |
| Noninterest expense to average assets | 2.4611% | 5,213 |
| Loan and lease loss provision to assets | 0.2492% | 2,572 |
| Net operating income to assets | 0.1304% | 6,071 |
| Return on assets (ROA) | 0.1511% | 6,187 |
| Pretax return on assets | 0.1373% | 6,217 |
| Return on Equity (ROE) | 1.7795% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.7795% | 5,438 |
| Net charge-offs to loans | 0.5673% | 1,915 |
| Credit loss provision to net charge-offs | 83.2201% | 3,524 |
| Earnings coverage of net charge-offs (x) | 1.2215% | 4,683 |
| Efficiency ratio | 87.0404% | 1,301 |
| Assets per employee ($millions) | 4.3443% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 4,704 |
| Loan loss allowance to noncurrent loans | 30.1289% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 3.4288% | 1,468 |
| Noncurrent loans to loans | 4.3966% | 1,088 |
| Net loans and leases to total assets | 52.2510% | 5,010 |
| Net loans and leases to deposits | 72.2729% | 3,568 |
| Net loans and leases to core deposits | 73.7709% | 4,000 |
| Total domestic deposits to total assets | 72.2968% | 6,729 |
| Equity capital to assets | 8.7851% | 6,029 |
| Core capital (leverage) ratio | 7.8543% | 6,435 |
| Tier 1 risk-based capital ratio | 12.7443% | 5,450 |
| Total risk-based capital ratio | 13.8866% | 5,492 |
| Memoranda: | ||
| Average total assets | $655,453,000 | 1,013 |
| Average earning assets | $605,290,500 | 996 |
| Average equity | $55,668,500 | 1,287 |
| Average total loans | $345,968,000 | 1,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 5,991 |
| Cost of funding earning assets | 1.5160% | 228 |
| Net interest margin | 2.3524% | 6,985 |
| Noninterest income to average assets | 0.6282% | 3,085 |
| Noninterest expense to average assets | 2.3453% | 5,625 |
| Loan and lease loss provision to assets | 0.2805% | 2,339 |
| Net operating income to assets | 0.1877% | 5,955 |
| Return on assets (ROA) | 0.2401% | 5,981 |
| Pretax return on assets | 0.2262% | 6,108 |
| Return on Equity (ROE) | 2.8594% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.8594% | 4,721 |
| Net charge-offs to loans | 0.8016% | 1,373 |
| Credit loss provision to net charge-offs | 66.3558% | 3,653 |
| Earnings coverage of net charge-offs (x) | 1.0746% | 4,483 |
| Efficiency ratio | 83.7539% | 1,658 |
| Assets per employee ($millions) | 4.3506% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,106 |
| Loan loss allowance to noncurrent loans | 33.3256% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 2.9900% | 1,845 |
| Noncurrent loans to loans | 3.7649% | 1,498 |
| Net loans and leases to total assets | 51.0319% | 5,217 |
| Net loans and leases to deposits | 71.1143% | 3,750 |
| Net loans and leases to core deposits | 72.7217% | 4,209 |
| Total domestic deposits to total assets | 71.7604% | 6,814 |
| Equity capital to assets | 8.4918% | 6,214 |
| Core capital (leverage) ratio | 7.7856% | 6,459 |
| Tier 1 risk-based capital ratio | 12.6862% | 5,427 |
| Total risk-based capital ratio | 13.7597% | 5,539 |
| Memoranda: | ||
| Average total assets | $659,616,670 | 997 |
| Average earning assets | $608,826,000 | 992 |
| Average equity | $55,396,330 | 1,285 |
| Average total loans | $347,802,670 | 1,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9397% | 5,926 |
| Cost of funding earning assets | 1.5581% | 225 |
| Net interest margin | 2.3816% | 7,021 |
| Noninterest income to average assets | 0.6570% | 2,888 |
| Noninterest expense to average assets | 2.3814% | 5,536 |
| Loan and lease loss provision to assets | 0.1973% | 2,972 |
| Net operating income to assets | 0.2421% | 5,850 |
| Return on assets (ROA) | 0.3346% | 5,708 |
| Pretax return on assets | 0.3801% | 5,784 |
| Return on Equity (ROE) | 4.0061% | 5,292 |
| Retained earnings to average equity (ytd only) | 4.0061% | 4,183 |
| Net charge-offs to loans | 1.3978% | 716 |
| Credit loss provision to net charge-offs | 26.5090% | 3,679 |
| Earnings coverage of net charge-offs (x) | 0.6346% | 4,017 |
| Efficiency ratio | 83.4255% | 1,745 |
| Assets per employee ($millions) | 4.3498% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,841 |
| Loan loss allowance to noncurrent loans | 31.4519% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.9378% | 1,969 |
| Noncurrent loans to loans | 3.5516% | 1,748 |
| Net loans and leases to total assets | 51.6265% | 5,069 |
| Net loans and leases to deposits | 71.7033% | 3,472 |
| Net loans and leases to core deposits | 73.4823% | 3,963 |
| Total domestic deposits to total assets | 72.0002% | 6,878 |
| Equity capital to assets | 8.3719% | 6,203 |
| Core capital (leverage) ratio | 7.8203% | 6,396 |
| Tier 1 risk-based capital ratio | 12.8254% | 5,346 |
| Total risk-based capital ratio | 13.7915% | 5,535 |
| Memoranda: | ||
| Average total assets | $658,778,000 | 1,001 |
| Average earning assets | $607,658,000 | 990 |
| Average equity | $55,016,500 | 1,289 |
| Average total loans | $350,824,500 | 1,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 6,104 |
| Cost of funding earning assets | 1.7510% | 258 |
| Net interest margin | 2.4327% | 7,088 |
| Noninterest income to average assets | 0.5189% | 3,726 |
| Noninterest expense to average assets | 2.2365% | 6,196 |
| Loan and lease loss provision to assets | 0.1865% | 4,322 |
| Net operating income to assets | 0.2875% | 5,300 |
| Return on assets (ROA) | 0.3431% | 5,254 |
| Pretax return on assets | 0.4244% | 5,214 |
| Return on Equity (ROE) | 4.3101% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.3101% | 3,114 |
| Net charge-offs to loans | 0.6933% | 2,423 |
| Credit loss provision to net charge-offs | 50.8751% | 5,403 |
| Earnings coverage of net charge-offs (x) | 1.4790% | 4,658 |
| Efficiency ratio | 80.4350% | 2,251 |
| Assets per employee ($millions) | 4.5901% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,732 |
| Loan loss allowance to noncurrent loans | 33.9011% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.2709% | 1,821 |
| Noncurrent loans to loans | 3.9365% | 1,593 |
| Net loans and leases to total assets | 53.5808% | 5,099 |
| Net loans and leases to deposits | 76.3361% | 3,123 |
| Net loans and leases to core deposits | 78.2732% | 3,648 |
| Total domestic deposits to total assets | 70.1906% | 6,979 |
| Equity capital to assets | 8.3306% | 6,318 |
| Core capital (leverage) ratio | 7.7606% | 6,482 |
| Tier 1 risk-based capital ratio | 12.4425% | 5,498 |
| Total risk-based capital ratio | 13.6130% | 5,540 |
| Memoranda: | ||
| Average total assets | $670,079,000 | 969 |
| Average earning assets | $622,489,600 | 951 |
| Average equity | $53,339,800 | 1,272 |
| Average total loans | $354,396,000 | 1,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 6,200 |
| Cost of funding earning assets | 1.7781% | 286 |
| Net interest margin | 2.4224% | 7,169 |
| Noninterest income to average assets | 0.4801% | 4,040 |
| Noninterest expense to average assets | 2.2224% | 6,230 |
| Loan and lease loss provision to assets | 0.1782% | 4,250 |
| Net operating income to assets | 0.2692% | 5,509 |
| Return on assets (ROA) | 0.3504% | 5,386 |
| Pretax return on assets | 0.4355% | 5,356 |
| Return on Equity (ROE) | 4.4523% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.4523% | 3,552 |
| Net charge-offs to loans | 0.4148% | 3,069 |
| Credit loss provision to net charge-offs | 81.7439% | 4,085 |
| Earnings coverage of net charge-offs (x) | 2.3497% | 3,951 |
| Efficiency ratio | 81.2206% | 2,084 |
| Assets per employee ($millions) | 4.3580% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,534 |
| Loan loss allowance to noncurrent loans | 46.3152% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.3502% | 2,729 |
| Noncurrent loans to loans | 3.5161% | 1,956 |
| Net loans and leases to total assets | 52.5530% | 5,379 |
| Net loans and leases to deposits | 77.2983% | 3,122 |
| Net loans and leases to core deposits | 79.1939% | 3,749 |
| Total domestic deposits to total assets | 67.9873% | 7,143 |
| Equity capital to assets | 8.1202% | 6,623 |
| Core capital (leverage) ratio | 7.5870% | 6,707 |
| Tier 1 risk-based capital ratio | 12.2353% | 5,715 |
| Total risk-based capital ratio | 13.4874% | 5,699 |
| Memoranda: | ||
| Average total assets | $673,501,750 | 972 |
| Average earning assets | $626,799,750 | 952 |
| Average equity | $53,004,500 | 1,287 |
| Average total loans | $353,881,250 | 1,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 6,278 |
| Cost of funding earning assets | 1.8120% | 293 |
| Net interest margin | 2.3874% | 7,237 |
| Noninterest income to average assets | 0.4991% | 3,859 |
| Noninterest expense to average assets | 2.2321% | 6,301 |
| Loan and lease loss provision to assets | 0.1772% | 4,151 |
| Net operating income to assets | 0.2538% | 5,549 |
| Return on assets (ROA) | 0.3447% | 5,330 |
| Pretax return on assets | 0.4262% | 5,312 |
| Return on Equity (ROE) | 4.4253% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.4253% | 3,377 |
| Net charge-offs to loans | 0.5053% | 2,588 |
| Credit loss provision to net charge-offs | 67.1141% | 4,137 |
| Earnings coverage of net charge-offs (x) | 1.8602% | 3,937 |
| Efficiency ratio | 81.9109% | 2,112 |
| Assets per employee ($millions) | 4.5402% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,603 |
| Loan loss allowance to noncurrent loans | 50.2303% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.1372% | 3,064 |
| Noncurrent loans to loans | 3.2349% | 2,208 |
| Net loans and leases to total assets | 51.7866% | 5,601 |
| Net loans and leases to deposits | 75.8864% | 3,499 |
| Net loans and leases to core deposits | 77.9944% | 4,054 |
| Total domestic deposits to total assets | 68.2422% | 7,180 |
| Equity capital to assets | 8.0791% | 6,620 |
| Core capital (leverage) ratio | 7.4577% | 6,773 |
| Tier 1 risk-based capital ratio | 12.4078% | 5,432 |
| Total risk-based capital ratio | 13.6599% | 5,409 |
| Memoranda: | ||
| Average total assets | $677,195,330 | 979 |
| Average earning assets | $630,901,670 | 950 |
| Average equity | $52,742,670 | 1,279 |
| Average total loans | $353,880,000 | 1,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 6,247 |
| Cost of funding earning assets | 1.8481% | 318 |
| Net interest margin | 2.3676% | 7,270 |
| Noninterest income to average assets | 0.5278% | 3,667 |
| Noninterest expense to average assets | 2.2322% | 6,352 |
| Loan and lease loss provision to assets | 0.1753% | 3,870 |
| Net operating income to assets | 0.2472% | 5,623 |
| Return on assets (ROA) | 0.4384% | 4,851 |
| Pretax return on assets | 0.5833% | 4,749 |
| Return on Equity (ROE) | 5.7321% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.7321% | 2,784 |
| Net charge-offs to loans | 0.1021% | 3,936 |
| Credit loss provision to net charge-offs | 329.6703% | 986 |
| Earnings coverage of net charge-offs (x) | 9.4725% | 1,718 |
| Efficiency ratio | 81.5210% | 2,295 |
| Assets per employee ($millions) | 4.5310% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 3,041 |
| Loan loss allowance to noncurrent loans | 46.2744% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 3,120 |
| Noncurrent loans to loans | 3.8700% | 1,900 |
| Net loans and leases to total assets | 49.8089% | 5,874 |
| Net loans and leases to deposits | 75.2418% | 3,547 |
| Net loans and leases to core deposits | 77.1055% | 4,150 |
| Total domestic deposits to total assets | 66.1984% | 7,321 |
| Equity capital to assets | 7.7801% | 6,689 |
| Core capital (leverage) ratio | 7.2894% | 6,866 |
| Tier 1 risk-based capital ratio | 12.6405% | 5,122 |
| Total risk-based capital ratio | 13.8947% | 5,097 |
| Memoranda: | ||
| Average total assets | $684,359,500 | 974 |
| Average earning assets | $638,278,500 | 950 |
| Average equity | $52,337,000 | 1,276 |
| Average total loans | $356,347,000 | 1,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 6,588 |
| Cost of funding earning assets | 2.0755% | 463 |
| Net interest margin | 2.3408% | 7,349 |
| Noninterest income to average assets | 0.5515% | 3,811 |
| Noninterest expense to average assets | 2.1229% | 6,791 |
| Loan and lease loss provision to assets | 0.2275% | 5,002 |
| Net operating income to assets | 0.3263% | 4,844 |
| Return on assets (ROA) | 0.0658% | 5,806 |
| Pretax return on assets | -0.0213% | 5,924 |
| Return on Equity (ROE) | 0.9049% | 5,723 |
| Retained earnings to average equity (ytd only) | 0.9049% | 5,094 |
| Net charge-offs to loans | 0.4116% | 3,982 |
| Credit loss provision to net charge-offs | 100.0625% | 4,557 |
| Earnings coverage of net charge-offs (x) | 2.6967% | 3,738 |
| Efficiency ratio | 77.5104% | 2,787 |
| Assets per employee ($millions) | 4.6875% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 3,504 |
| Loan loss allowance to noncurrent loans | 45.4331% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.0393% | 3,300 |
| Noncurrent loans to loans | 3.5672% | 2,110 |
| Net loans and leases to total assets | 52.5392% | 5,847 |
| Net loans and leases to deposits | 80.5739% | 3,065 |
| Net loans and leases to core deposits | 82.4645% | 3,826 |
| Total domestic deposits to total assets | 65.2062% | 7,413 |
| Equity capital to assets | 7.5169% | 6,874 |
| Core capital (leverage) ratio | 7.0028% | 7,028 |
| Tier 1 risk-based capital ratio | 11.4827% | 5,927 |
| Total risk-based capital ratio | 12.7727% | 5,896 |
| Memoranda: | ||
| Average total assets | $703,173,400 | 949 |
| Average earning assets | $656,270,200 | 930 |
| Average equity | $51,163,600 | 1,302 |
| Average total loans | $388,500,800 | 1,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 6,720 |
| Cost of funding earning assets | 2.1212% | 505 |
| Net interest margin | 2.3302% | 7,470 |
| Noninterest income to average assets | 0.5347% | 3,911 |
| Noninterest expense to average assets | 2.0865% | 6,874 |
| Loan and lease loss provision to assets | 0.2453% | 4,640 |
| Net operating income to assets | 0.4558% | 4,515 |
| Return on assets (ROA) | 0.1026% | 5,916 |
| Pretax return on assets | 0.0247% | 6,056 |
| Return on Equity (ROE) | 1.4220% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.4220% | 5,236 |
| Net charge-offs to loans | 0.4881% | 3,321 |
| Credit loss provision to net charge-offs | 90.2151% | 4,755 |
| Earnings coverage of net charge-offs (x) | 2.2922% | 4,017 |
| Efficiency ratio | 76.9252% | 2,771 |
| Assets per employee ($millions) | 4.6400% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,833 |
| Loan loss allowance to noncurrent loans | 38.4377% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.2480% | 3,138 |
| Noncurrent loans to loans | 3.9762% | 1,891 |
| Net loans and leases to total assets | 54.2472% | 5,812 |
| Net loans and leases to deposits | 83.6957% | 2,758 |
| Net loans and leases to core deposits | 85.9979% | 3,654 |
| Total domestic deposits to total assets | 64.8148% | 7,498 |
| Equity capital to assets | 7.6083% | 7,055 |
| Core capital (leverage) ratio | 6.9793% | 7,178 |
| Tier 1 risk-based capital ratio | 11.1021% | 6,279 |
| Total risk-based capital ratio | 12.3964% | 6,235 |
| Memoranda: | ||
| Average total assets | $706,700,500 | 948 |
| Average earning assets | $659,625,250 | 931 |
| Average equity | $51,005,500 | 1,315 |
| Average total loans | $393,627,750 | 1,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 6,848 |
| Cost of funding earning assets | 2.1623% | 524 |
| Net interest margin | 2.2615% | 7,549 |
| Noninterest income to average assets | 0.4954% | 4,158 |
| Noninterest expense to average assets | 2.0657% | 6,985 |
| Loan and lease loss provision to assets | 0.2248% | 4,656 |
| Net operating income to assets | 0.3695% | 4,895 |
| Return on assets (ROA) | 0.1419% | 5,857 |
| Pretax return on assets | 0.0916% | 5,994 |
| Return on Equity (ROE) | 2.0010% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.0010% | 4,859 |
| Net charge-offs to loans | 0.5469% | 2,890 |
| Credit loss provision to net charge-offs | 73.5294% | 4,873 |
| Earnings coverage of net charge-offs (x) | 1.7794% | 4,182 |
| Efficiency ratio | 79.0698% | 2,566 |
| Assets per employee ($millions) | 4.6538% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,150 |
| Loan loss allowance to noncurrent loans | 27.1795% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0029% | 2,375 |
| Noncurrent loans to loans | 5.3546% | 1,247 |
| Net loans and leases to total assets | 54.6729% | 5,887 |
| Net loans and leases to deposits | 85.0708% | 2,691 |
| Net loans and leases to core deposits | 87.4998% | 3,619 |
| Total domestic deposits to total assets | 64.2676% | 7,575 |
| Equity capital to assets | 7.2859% | 7,230 |
| Core capital (leverage) ratio | 6.9770% | 7,205 |
| Tier 1 risk-based capital ratio | 11.0468% | 6,193 |
| Total risk-based capital ratio | 12.3354% | 6,133 |
| Memoranda: | ||
| Average total assets | $711,814,330 | 946 |
| Average earning assets | $665,497,330 | 931 |
| Average equity | $50,473,670 | 1,325 |
| Average total loans | $397,882,330 | 1,158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 6,954 |
| Cost of funding earning assets | 2.2594% | 482 |
| Net interest margin | 2.1644% | 7,666 |
| Noninterest income to average assets | 0.4780% | 4,218 |
| Noninterest expense to average assets | 2.0934% | 6,959 |
| Loan and lease loss provision to assets | 0.1675% | 4,859 |
| Net operating income to assets | 0.2329% | 5,566 |
| Return on assets (ROA) | 0.2887% | 5,472 |
| Pretax return on assets | 0.2976% | 5,610 |
| Return on Equity (ROE) | 4.1268% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.1268% | 3,674 |
| Net charge-offs to loans | 0.7724% | 1,968 |
| Credit loss provision to net charge-offs | 38.6598% | 4,666 |
| Earnings coverage of net charge-offs (x) | 0.9407% | 4,205 |
| Efficiency ratio | 83.6124% | 2,061 |
| Assets per employee ($millions) | 4.9120% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,485 |
| Loan loss allowance to noncurrent loans | 26.2850% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.0102% | 2,379 |
| Noncurrent loans to loans | 5.2737% | 1,343 |
| Net loans and leases to total assets | 55.5720% | 5,808 |
| Net loans and leases to deposits | 86.5332% | 2,496 |
| Net loans and leases to core deposits | 89.6900% | 3,407 |
| Total domestic deposits to total assets | 64.2204% | 7,674 |
| Equity capital to assets | 7.2354% | 7,263 |
| Core capital (leverage) ratio | 7.0769% | 7,201 |
| Tier 1 risk-based capital ratio | 11.2587% | 5,894 |
| Total risk-based capital ratio | 12.5086% | 5,858 |
| Memoranda: | ||
| Average total assets | $716,363,000 | 959 |
| Average earning assets | $669,551,000 | 944 |
| Average equity | $50,111,000 | 1,334 |
| Average total loans | $401,888,500 | 1,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 6,536 |
| Cost of funding earning assets | 2.5881% | 811 |
| Net interest margin | 2.3789% | 7,526 |
| Noninterest income to average assets | 0.6103% | 3,550 |
| Noninterest expense to average assets | 2.0335% | 7,312 |
| Loan and lease loss provision to assets | 0.7716% | 2,797 |
| Net operating income to assets | 0.0739% | 5,284 |
| Return on assets (ROA) | -0.4326% | 6,110 |
| Pretax return on assets | -0.7578% | 6,242 |
| Return on Equity (ROE) | -6.2603% | 6,332 |
| Retained earnings to average equity (ytd only) | -8.3464% | 6,382 |
| Net charge-offs to loans | 0.7337% | 2,990 |
| Credit loss provision to net charge-offs | 173.4631% | 2,439 |
| Earnings coverage of net charge-offs (x) | 1.8103% | 4,368 |
| Efficiency ratio | 71.5302% | 4,344 |
| Assets per employee ($millions) | 4.8365% | 2,429 |
| Cash dividends to net income (ytd only)* | -33.3227% | 7,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 3,919 |
| Loan loss allowance to noncurrent loans | 29.4469% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 2.8146% | 2,491 |
| Noncurrent loans to loans | 4.9639% | 1,367 |
| Net loans and leases to total assets | 55.0425% | 6,079 |
| Net loans and leases to deposits | 88.3313% | 2,504 |
| Net loans and leases to core deposits | 98.1509% | 4,207 |
| Total domestic deposits to total assets | 62.3136% | 7,749 |
| Equity capital to assets | 6.7641% | 7,474 |
| Core capital (leverage) ratio | 6.9836% | 7,253 |
| Tier 1 risk-based capital ratio | 10.7728% | 6,134 |
| Total risk-based capital ratio | 12.0510% | 6,084 |
| Memoranda: | ||
| Average total assets | $727,667,200 | 934 |
| Average earning assets | $681,652,800 | 906 |
| Average equity | $50,285,000 | 1,336 |
| Average total loans | $441,187,800 | 1,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 6,273 |
| Cost of funding earning assets | 2.6528% | 905 |
| Net interest margin | 2.4456% | 7,518 |
| Noninterest income to average assets | 0.6263% | 3,520 |
| Noninterest expense to average assets | 2.0388% | 7,312 |
| Loan and lease loss provision to assets | 0.9747% | 1,972 |
| Net operating income to assets | -0.0180% | 5,741 |
| Return on assets (ROA) | -0.6072% | 6,532 |
| Pretax return on assets | -1.0156% | 6,701 |
| Return on Equity (ROE) | -8.7406% | 6,791 |
| Retained earnings to average equity (ytd only) | -11.5098% | 6,919 |
| Net charge-offs to loans | 0.9486% | 2,076 |
| Credit loss provision to net charge-offs | 166.1976% | 2,829 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,660 |
| Efficiency ratio | 69.7562% | 4,638 |
| Assets per employee ($millions) | 4.7318% | 2,506 |
| Cash dividends to net income (ytd only)* | -31.6822% | 7,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,111 |
| Loan loss allowance to noncurrent loans | 31.5254% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 2.5126% | 2,761 |
| Noncurrent loans to loans | 4.3459% | 1,638 |
| Net loans and leases to total assets | 56.6990% | 6,069 |
| Net loans and leases to deposits | 91.7231% | 2,284 |
| Net loans and leases to core deposits | 102.7119% | 4,083 |
| Total domestic deposits to total assets | 61.8154% | 7,825 |
| Equity capital to assets | 6.8108% | 7,674 |
| Core capital (leverage) ratio | 6.8959% | 7,492 |
| Tier 1 risk-based capital ratio | 10.4624% | 6,513 |
| Total risk-based capital ratio | 11.6668% | 6,500 |
| Memoranda: | ||
| Average total assets | $727,006,750 | 949 |
| Average earning assets | $681,430,750 | 923 |
| Average equity | $50,506,500 | 1,347 |
| Average total loans | $449,499,000 | 1,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 6,103 |
| Cost of funding earning assets | 2.6940% | 1,045 |
| Net interest margin | 2.4985% | 7,480 |
| Noninterest income to average assets | 0.6656% | 3,226 |
| Noninterest expense to average assets | 2.0381% | 7,395 |
| Loan and lease loss provision to assets | 0.1621% | 5,444 |
| Net operating income to assets | 0.5821% | 3,762 |
| Return on assets (ROA) | 0.0467% | 5,803 |
| Pretax return on assets | -0.0154% | 5,883 |
| Return on Equity (ROE) | 0.6679% | 5,731 |
| Retained earnings to average equity (ytd only) | -3.0330% | 5,979 |
| Net charge-offs to loans | 0.2375% | 4,012 |
| Credit loss provision to net charge-offs | 107.8611% | 4,280 |
| Earnings coverage of net charge-offs (x) | 6.5430% | 2,596 |
| Efficiency ratio | 67.3577% | 5,281 |
| Assets per employee ($millions) | 4.7695% | 2,365 |
| Cash dividends to net income (ytd only)* | 554.1176% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,095 |
| Loan loss allowance to noncurrent loans | 17.8737% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 2.7744% | 2,321 |
| Noncurrent loans to loans | 4.5773% | 1,399 |
| Net loans and leases to total assets | 59.8791% | 5,691 |
| Net loans and leases to deposits | 97.8456% | 1,544 |
| Net loans and leases to core deposits | 109.7542% | 3,398 |
| Total domestic deposits to total assets | 61.1975% | 7,913 |
| Equity capital to assets | 7.0959% | 7,553 |
| Core capital (leverage) ratio | 7.3444% | 7,196 |
| Tier 1 risk-based capital ratio | 10.6770% | 6,210 |
| Total risk-based capital ratio | 11.3992% | 6,699 |
| Memoranda: | ||
| Average total assets | $728,020,670 | 959 |
| Average earning assets | $686,404,330 | 930 |
| Average equity | $50,906,000 | 1,345 |
| Average total loans | $460,604,330 | 1,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 5,030 |
| Cost of funding earning assets | 2.7382% | 1,145 |
| Net interest margin | 2.7388% | 7,124 |
| Noninterest income to average assets | 0.4851% | 4,458 |
| Noninterest expense to average assets | 1.8715% | 7,607 |
| Loan and lease loss provision to assets | 0.1766% | 4,695 |
| Net operating income to assets | 0.5286% | 4,299 |
| Return on assets (ROA) | -0.0524% | 6,461 |
| Pretax return on assets | 0.1087% | 6,147 |
| Return on Equity (ROE) | -0.7555% | 6,506 |
| Retained earnings to average equity (ytd only) | -5.1452% | 6,565 |
| Net charge-offs to loans | 0.1262% | 3,955 |
| Credit loss provision to net charge-offs | 216.2162% | 2,085 |
| Earnings coverage of net charge-offs (x) | 14.6081% | 1,655 |
| Efficiency ratio | 60.9580% | 6,258 |
| Assets per employee ($millions) | 4.6703% | 2,483 |
| Cash dividends to net income (ytd only)* | -581.0526% | 8,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 7,106 |
| Loan loss allowance to noncurrent loans | 44.2052% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 4,263 |
| Noncurrent loans to loans | 1.8427% | 3,503 |
| Net loans and leases to total assets | 64.0229% | 4,984 |
| Net loans and leases to deposits | 104.8572% | 954 |
| Net loans and leases to core deposits | 116.9062% | 2,690 |
| Total domestic deposits to total assets | 61.0573% | 7,942 |
| Equity capital to assets | 7.2166% | 7,551 |
| Core capital (leverage) ratio | 7.3618% | 7,309 |
| Tier 1 risk-based capital ratio | 9.8389% | 7,097 |
| Total risk-based capital ratio | 10.5309% | 7,577 |
| Memoranda: | ||
| Average total assets | $724,776,000 | 968 |
| Average earning assets | $682,636,500 | 936 |
| Average equity | $50,299,000 | 1,365 |
| Average total loans | $469,183,500 | 1,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6599% | 6,902 |
| Cost of funding earning assets | 3.1095% | 1,477 |
| Net interest margin | 2.5503% | 7,695 |
| Noninterest income to average assets | 0.4681% | 4,894 |
| Noninterest expense to average assets | 1.7802% | 7,775 |
| Loan and lease loss provision to assets | 0.2253% | 4,635 |
| Net operating income to assets | 0.5419% | 4,568 |
| Return on assets (ROA) | 0.2656% | 5,483 |
| Pretax return on assets | 0.4455% | 5,135 |
| Return on Equity (ROE) | 4.0216% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.2797% | 5,369 |
| Net charge-offs to loans | 0.2563% | 3,709 |
| Credit loss provision to net charge-offs | 137.1644% | 3,883 |
| Earnings coverage of net charge-offs (x) | 6.7122% | 3,293 |
| Efficiency ratio | 61.6234% | 6,024 |
| Assets per employee ($millions) | 4.7420% | 2,261 |
| Cash dividends to net income (ytd only)* | 106.9538% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 7,278 |
| Loan loss allowance to noncurrent loans | 36.9626% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 1.3409% | 3,535 |
| Noncurrent loans to loans | 2.0328% | 2,725 |
| Net loans and leases to total assets | 64.4283% | 5,188 |
| Net loans and leases to deposits | 113.6571% | 630 |
| Net loans and leases to core deposits | 125.4643% | 2,207 |
| Total domestic deposits to total assets | 56.6866% | 8,043 |
| Equity capital to assets | 6.6710% | 7,883 |
| Core capital (leverage) ratio | 7.3721% | 7,337 |
| Tier 1 risk-based capital ratio | 10.8251% | 5,881 |
| Total risk-based capital ratio | 11.5505% | 6,292 |
| Memoranda: | ||
| Average total assets | $725,640,400 | 918 |
| Average earning assets | $687,044,800 | 891 |
| Average equity | $47,916,600 | 1,429 |
| Average total loans | $465,167,400 | 1,041 |