Home > First East Side Savings Bank > Performance and Condition Ratios
First East Side 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 | 4.3153% | 4,395 |
| Cost of funding earning assets | 1.3255% | 398 |
| Net interest margin | 2.9899% | 6,189 |
| Noninterest income to average assets | 0.0117% | 6,903 |
| Noninterest expense to average assets | 5.9040% | 220 |
| Loan and lease loss provision to assets | 2.2487% | 82 |
| Net operating income to assets | -5.7536% | 7,166 |
| Return on assets (ROA) | -5.6032% | 7,163 |
| Pretax return on assets | -5.4742% | 7,163 |
| Return on Equity (ROE) | -249.6833% | 7,177 |
| Retained earnings to average equity (ytd only) | -249.6833% | 7,177 |
| Net charge-offs to loans | 4.6736% | 52 |
| Credit loss provision to net charge-offs | 79.8197% | 3,623 |
| Earnings coverage of net charge-offs (x) | -1.1983% | 5,595 |
| Efficiency ratio | 229.9073% | 27 |
| Assets per employee ($millions) | 5.4738% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5307% | 457 |
| Loan loss allowance to noncurrent loans | 46.4901% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 7.4978% | 448 |
| Noncurrent loans to loans | 7.5946% | 441 |
| Net loans and leases to total assets | 58.4006% | 4,064 |
| Net loans and leases to deposits | 59.1188% | 5,304 |
| Net loans and leases to core deposits | 67.6310% | 4,763 |
| Total domestic deposits to total assets | 98.7851% | 3 |
| Equity capital to assets | 0.5496% | 7,178 |
| Core capital (leverage) ratio | 0.2756% | 7,180 |
| Tier 1 risk-based capital ratio | 0.5324% | 7,180 |
| Total risk-based capital ratio | 1.0649% | 7,180 |
| Memoranda: | ||
| Average total assets | $68,245,250 | 5,737 |
| Average earning assets | $57,437,000 | 5,892 |
| Average equity | $1,531,500 | 7,120 |
| Average total loans | $41,137,500 | 5,517 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 4,254 |
| Cost of funding earning assets | 1.3653% | 398 |
| Net interest margin | 3.0168% | 6,208 |
| Noninterest income to average assets | -0.0058% | 7,011 |
| Noninterest expense to average assets | 6.1333% | 208 |
| Loan and lease loss provision to assets | 3.1405% | 54 |
| Net operating income to assets | -6.9379% | 7,230 |
| Return on assets (ROA) | -6.7151% | 7,229 |
| Pretax return on assets | -6.5240% | 7,227 |
| Return on Equity (ROE) | -241.4566% | 7,235 |
| Retained earnings to average equity (ytd only) | -241.4566% | 7,235 |
| Net charge-offs to loans | 6.6258% | 27 |
| Credit loss provision to net charge-offs | 78.7373% | 3,353 |
| Earnings coverage of net charge-offs (x) | -0.9042% | 5,294 |
| Efficiency ratio | 237.3425% | 29 |
| Assets per employee ($millions) | 5.5956% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3673% | 559 |
| Loan loss allowance to noncurrent loans | 59.2890% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 6.3681% | 648 |
| Noncurrent loans to loans | 5.6795% | 805 |
| Net loans and leases to total assets | 59.8761% | 3,847 |
| Net loans and leases to deposits | 60.9961% | 5,133 |
| Net loans and leases to core deposits | 69.1877% | 4,640 |
| Total domestic deposits to total assets | 98.1637% | 5 |
| Equity capital to assets | 1.2957% | 7,233 |
| Core capital (leverage) ratio | 1.0872% | 7,235 |
| Tier 1 risk-based capital ratio | 2.1011% | 7,233 |
| Total risk-based capital ratio | 3.3906% | 7,233 |
| Memoranda: | ||
| Average total assets | $69,098,330 | 5,759 |
| Average earning assets | $58,008,330 | 5,908 |
| Average equity | $1,921,670 | 7,102 |
| Average total loans | $41,595,000 | 5,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 3,774 |
| Cost of funding earning assets | 1.4389% | 366 |
| Net interest margin | 3.0972% | 6,050 |
| Noninterest income to average assets | 0.0742% | 6,846 |
| Noninterest expense to average assets | 4.9947% | 363 |
| Loan and lease loss provision to assets | 6.1935% | 10 |
| Net operating income to assets | -8.9106% | 7,297 |
| Return on assets (ROA) | -8.4710% | 7,295 |
| Pretax return on assets | -8.0943% | 7,292 |
| Return on Equity (ROE) | -242.5332% | 7,291 |
| Retained earnings to average equity (ytd only) | -242.5332% | 7,289 |
| Net charge-offs to loans | 11.8684% | 15 |
| Credit loss provision to net charge-offs | 87.9254% | 2,588 |
| Earnings coverage of net charge-offs (x) | -0.3323% | 4,476 |
| Efficiency ratio | 178.0645% | 57 |
| Assets per employee ($millions) | 5.2907% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5466% | 519 |
| Loan loss allowance to noncurrent loans | 52.0505% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 7.3932% | 552 |
| Noncurrent loans to loans | 6.8138% | 675 |
| Net loans and leases to total assets | 58.7185% | 3,917 |
| Net loans and leases to deposits | 60.2839% | 5,115 |
| Net loans and leases to core deposits | 67.1567% | 4,782 |
| Total domestic deposits to total assets | 97.4033% | 17 |
| Equity capital to assets | 2.4324% | 7,260 |
| Core capital (leverage) ratio | 2.2769% | 7,266 |
| Tier 1 risk-based capital ratio | 4.3244% | 7,236 |
| Total risk-based capital ratio | 5.6112% | 7,236 |
| Memoranda: | ||
| Average total assets | $70,074,000 | 5,774 |
| Average earning assets | $58,376,000 | 5,926 |
| Average equity | $2,447,500 | 7,077 |
| Average total loans | $41,589,500 | 5,564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 6,049 |
| Cost of funding earning assets | 1.6704% | 362 |
| Net interest margin | 2.5307% | 7,043 |
| Noninterest income to average assets | -1.3062% | 7,334 |
| Noninterest expense to average assets | 3.3420% | 2,384 |
| Loan and lease loss provision to assets | 1.3853% | 564 |
| Net operating income to assets | -3.9485% | 7,250 |
| Return on assets (ROA) | -3.8461% | 7,252 |
| Pretax return on assets | -3.8461% | 7,262 |
| Return on Equity (ROE) | -64.7272% | 7,259 |
| Retained earnings to average equity (ytd only) | -64.7272% | 7,259 |
| Net charge-offs to loans | 2.3790% | 510 |
| Credit loss provision to net charge-offs | 104.2927% | 3,297 |
| Earnings coverage of net charge-offs (x) | -1.9298% | 6,276 |
| Efficiency ratio | 429.1181% | 13 |
| Assets per employee ($millions) | 5.4899% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,392 |
| Loan loss allowance to noncurrent loans | 17.4672% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 9.1426% | 390 |
| Noncurrent loans to loans | 9.4243% | 357 |
| Net loans and leases to total assets | 56.9267% | 4,558 |
| Net loans and leases to deposits | 59.7005% | 5,524 |
| Net loans and leases to core deposits | 67.2148% | 5,135 |
| Total domestic deposits to total assets | 95.3537% | 50 |
| Equity capital to assets | 4.5146% | 7,195 |
| Core capital (leverage) ratio | 4.2772% | 7,190 |
| Tier 1 risk-based capital ratio | 7.7590% | 7,122 |
| Total risk-based capital ratio | 9.0177% | 7,125 |
| Memoranda: | ||
| Average total assets | $77,168,400 | 5,532 |
| Average earning assets | $63,579,400 | 5,750 |
| Average equity | $4,585,400 | 6,562 |
| Average total loans | $43,085,800 | 5,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 5,964 |
| Cost of funding earning assets | 1.7236% | 361 |
| Net interest margin | 2.5719% | 7,092 |
| Noninterest income to average assets | -1.5653% | 7,423 |
| Noninterest expense to average assets | 3.0764% | 3,251 |
| Loan and lease loss provision to assets | 1.4398% | 493 |
| Net operating income to assets | -3.9684% | 7,329 |
| Return on assets (ROA) | -3.8345% | 7,327 |
| Pretax return on assets | -3.8345% | 7,326 |
| Return on Equity (ROE) | -61.1944% | 7,327 |
| Retained earnings to average equity (ytd only) | -61.1944% | 7,324 |
| Net charge-offs to loans | 2.4320% | 456 |
| Credit loss provision to net charge-offs | 106.9270% | 3,091 |
| Earnings coverage of net charge-offs (x) | -1.8778% | 6,010 |
| Efficiency ratio | 561.6099% | 6 |
| Assets per employee ($millions) | 6.0691% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,435 |
| Loan loss allowance to noncurrent loans | 16.7961% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 8.9346% | 452 |
| Noncurrent loans to loans | 9.8437% | 362 |
| Net loans and leases to total assets | 56.5187% | 4,760 |
| Net loans and leases to deposits | 59.9863% | 5,631 |
| Net loans and leases to core deposits | 66.6699% | 5,346 |
| Total domestic deposits to total assets | 94.2193% | 75 |
| Equity capital to assets | 5.4182% | 7,232 |
| Core capital (leverage) ratio | 5.1656% | 7,218 |
| Tier 1 risk-based capital ratio | 9.3929% | 7,067 |
| Total risk-based capital ratio | 10.6521% | 7,064 |
| Memoranda: | ||
| Average total assets | $78,618,250 | 5,537 |
| Average earning assets | $64,594,000 | 5,755 |
| Average equity | $4,926,250 | 6,518 |
| Average total loans | $43,530,250 | 5,584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 5,789 |
| Cost of funding earning assets | 1.7747% | 350 |
| Net interest margin | 2.5955% | 7,124 |
| Noninterest income to average assets | -2.1006% | 7,501 |
| Noninterest expense to average assets | 3.4017% | 2,252 |
| Loan and lease loss provision to assets | 0.7325% | 1,273 |
| Net operating income to assets | -4.1069% | 7,397 |
| Return on assets (ROA) | -4.0969% | 7,401 |
| Pretax return on assets | -4.0969% | 7,396 |
| Return on Equity (ROE) | -62.8212% | 7,378 |
| Retained earnings to average equity (ytd only) | -62.8212% | 7,375 |
| Net charge-offs to loans | 1.5106% | 979 |
| Credit loss provision to net charge-offs | 88.5886% | 3,500 |
| Earnings coverage of net charge-offs (x) | -4.0811% | 5,784 |
| Efficiency ratio | 12,454.5455% | 1 |
| Assets per employee ($millions) | 6.3971% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,504 |
| Loan loss allowance to noncurrent loans | 13.2934% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 10.1609% | 379 |
| Noncurrent loans to loans | 10.6286% | 342 |
| Net loans and leases to total assets | 54.4467% | 5,228 |
| Net loans and leases to deposits | 58.0145% | 5,936 |
| Net loans and leases to core deposits | 64.7097% | 5,645 |
| Total domestic deposits to total assets | 93.8501% | 88 |
| Equity capital to assets | 5.8803% | 7,259 |
| Core capital (leverage) ratio | 5.6948% | 7,237 |
| Tier 1 risk-based capital ratio | 10.2495% | 6,896 |
| Total risk-based capital ratio | 11.5063% | 6,887 |
| Memoranda: | ||
| Average total assets | $80,548,000 | 5,534 |
| Average earning assets | $66,038,000 | 5,753 |
| Average equity | $5,253,000 | 6,448 |
| Average total loans | $44,089,000 | 5,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 4,485 |
| Cost of funding earning assets | 1.7837% | 401 |
| Net interest margin | 2.9236% | 6,717 |
| Noninterest income to average assets | -2.7754% | 7,567 |
| Noninterest expense to average assets | 3.5614% | 1,848 |
| Loan and lease loss provision to assets | 0.3639% | 2,378 |
| Net operating income to assets | -4.2989% | 7,458 |
| Return on assets (ROA) | -4.2795% | 7,460 |
| Pretax return on assets | -4.2795% | 7,449 |
| Return on Equity (ROE) | -62.7479% | 7,446 |
| Retained earnings to average equity (ytd only) | -62.7479% | 7,437 |
| Net charge-offs to loans | 0.7922% | 1,635 |
| Credit loss provision to net charge-offs | 84.2697% | 3,055 |
| Earnings coverage of net charge-offs (x) | -9.1124% | 5,053 |
| Efficiency ratio | -953.2468% | 7,571 |
| Assets per employee ($millions) | 6.2762% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 4,308 |
| Loan loss allowance to noncurrent loans | 12.6761% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 9.5660% | 438 |
| Noncurrent loans to loans | 11.6646% | 297 |
| Net loans and leases to total assets | 50.7139% | 5,751 |
| Net loans and leases to deposits | 54.2548% | 6,269 |
| Net loans and leases to core deposits | 60.0822% | 6,091 |
| Total domestic deposits to total assets | 93.4735% | 104 |
| Equity capital to assets | 6.3414% | 7,243 |
| Core capital (leverage) ratio | 6.2920% | 7,211 |
| Tier 1 risk-based capital ratio | 11.6473% | 5,983 |
| Total risk-based capital ratio | 12.9004% | 5,969 |
| Memoranda: | ||
| Average total assets | $82,439,500 | 5,512 |
| Average earning assets | $67,725,500 | 5,740 |
| Average equity | $5,622,500 | 6,360 |
| Average total loans | $44,936,000 | 5,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 7,284 |
| Cost of funding earning assets | 2.1260% | 390 |
| Net interest margin | 1.6186% | 7,533 |
| Noninterest income to average assets | -0.5216% | 7,567 |
| Noninterest expense to average assets | 5.7084% | 269 |
| Loan and lease loss provision to assets | 0.9439% | 1,730 |
| Net operating income to assets | -5.9185% | 7,581 |
| Return on assets (ROA) | -5.7574% | 7,580 |
| Pretax return on assets | -5.7030% | 7,571 |
| Return on Equity (ROE) | -58.8415% | 7,480 |
| Retained earnings to average equity (ytd only) | -58.8415% | 7,477 |
| Net charge-offs to loans | 2.7817% | 636 |
| Credit loss provision to net charge-offs | 62.6771% | 6,035 |
| Earnings coverage of net charge-offs (x) | -3.2670% | 6,745 |
| Efficiency ratio | 724.2219% | 10 |
| Assets per employee ($millions) | 6.4068% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,859 |
| Loan loss allowance to noncurrent loans | 4.7258% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 20.0737% | 67 |
| Noncurrent loans to loans | 28.1119% | 22 |
| Net loans and leases to total assets | 56.7153% | 5,227 |
| Net loans and leases to deposits | 61.2441% | 5,929 |
| Net loans and leases to core deposits | 68.0256% | 5,659 |
| Total domestic deposits to total assets | 92.6052% | 176 |
| Equity capital to assets | 7.2892% | 7,002 |
| Core capital (leverage) ratio | 7.2223% | 6,895 |
| Tier 1 risk-based capital ratio | 11.8874% | 5,582 |
| Total risk-based capital ratio | 13.1373% | 5,566 |
| Memoranda: | ||
| Average total assets | $93,757,000 | 5,166 |
| Average earning assets | $75,869,200 | 5,485 |
| Average equity | $9,173,800 | 5,368 |
| Average total loans | $50,759,600 | 5,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 7,354 |
| Cost of funding earning assets | 2.1855% | 397 |
| Net interest margin | 1.6952% | 7,641 |
| Noninterest income to average assets | 0.1729% | 6,643 |
| Noninterest expense to average assets | 5.0565% | 363 |
| Loan and lease loss provision to assets | 0.8162% | 1,852 |
| Net operating income to assets | -4.4022% | 7,602 |
| Return on assets (ROA) | -4.1933% | 7,597 |
| Pretax return on assets | -4.1227% | 7,575 |
| Return on Equity (ROE) | -40.6174% | 7,500 |
| Retained earnings to average equity (ytd only) | -40.6174% | 7,498 |
| Net charge-offs to loans | 2.0797% | 891 |
| Credit loss provision to net charge-offs | 73.4745% | 5,325 |
| Earnings coverage of net charge-offs (x) | -3.1644% | 6,564 |
| Efficiency ratio | 328.0969% | 21 |
| Assets per employee ($millions) | 6.3185% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 2,551 |
| Loan loss allowance to noncurrent loans | 8.2500% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 17.2430% | 102 |
| Noncurrent loans to loans | 22.7431% | 52 |
| Net loans and leases to total assets | 56.1040% | 5,537 |
| Net loans and leases to deposits | 62.3887% | 6,078 |
| Net loans and leases to core deposits | 68.2861% | 5,909 |
| Total domestic deposits to total assets | 89.9264% | 918 |
| Equity capital to assets | 9.6971% | 4,551 |
| Core capital (leverage) ratio | 9.4925% | 3,912 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,309 |
| Total risk-based capital ratio | 16.1360% | 3,286 |
| Memoranda: | ||
| Average total assets | $96,374,250 | 5,151 |
| Average earning assets | $77,784,250 | 5,489 |
| Average equity | $9,949,500 | 5,213 |
| Average total loans | $51,481,250 | 5,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 7,391 |
| Cost of funding earning assets | 2.2926% | 348 |
| Net interest margin | 1.6737% | 7,717 |
| Noninterest income to average assets | 0.1596% | 6,753 |
| Noninterest expense to average assets | 5.3428% | 300 |
| Loan and lease loss provision to assets | 1.1110% | 1,287 |
| Net operating income to assets | -5.0478% | 7,700 |
| Return on assets (ROA) | -4.7893% | 7,689 |
| Pretax return on assets | -4.6863% | 7,659 |
| Return on Equity (ROE) | -45.5669% | 7,579 |
| Retained earnings to average equity (ytd only) | -45.5669% | 7,572 |
| Net charge-offs to loans | 2.9585% | 542 |
| Credit loss provision to net charge-offs | 71.8016% | 4,919 |
| Earnings coverage of net charge-offs (x) | -2.4778% | 6,237 |
| Efficiency ratio | 354.0830% | 29 |
| Assets per employee ($millions) | 6.2587% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,635 |
| Loan loss allowance to noncurrent loans | 8.6686% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 15.1395% | 141 |
| Noncurrent loans to loans | 21.0989% | 66 |
| Net loans and leases to total assets | 54.0871% | 5,981 |
| Net loans and leases to deposits | 61.6660% | 6,263 |
| Net loans and leases to core deposits | 67.1502% | 6,133 |
| Total domestic deposits to total assets | 87.7098% | 2,160 |
| Equity capital to assets | 9.8892% | 4,155 |
| Core capital (leverage) ratio | 9.6525% | 3,604 |
| Tier 1 risk-based capital ratio | 15.2229% | 3,052 |
| Total risk-based capital ratio | 16.4727% | 3,006 |
| Memoranda: | ||
| Average total assets | $99,012,670 | 5,112 |
| Average earning assets | $79,822,670 | 5,449 |
| Average equity | $10,406,670 | 5,084 |
| Average total loans | $51,782,330 | 5,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 7,474 |
| Cost of funding earning assets | 2.4098% | 292 |
| Net interest margin | 1.5700% | 7,818 |
| Noninterest income to average assets | 0.1654% | 6,782 |
| Noninterest expense to average assets | 5.0995% | 345 |
| Loan and lease loss provision to assets | 1.4767% | 794 |
| Net operating income to assets | -3.3826% | 7,669 |
| Return on assets (ROA) | -3.3826% | 7,671 |
| Pretax return on assets | -5.1152% | 7,771 |
| Return on Equity (ROE) | -31.3275% | 7,590 |
| Retained earnings to average equity (ytd only) | -31.3275% | 7,568 |
| Net charge-offs to loans | 4.2770% | 303 |
| Credit loss provision to net charge-offs | 67.6895% | 4,152 |
| Earnings coverage of net charge-offs (x) | -1.6679% | 5,442 |
| Efficiency ratio | 349.0566% | 32 |
| Assets per employee ($millions) | 6.1971% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 2,281 |
| Loan loss allowance to noncurrent loans | 12.1223% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 13.4246% | 193 |
| Noncurrent loans to loans | 16.1792% | 147 |
| Net loans and leases to total assets | 49.5562% | 6,518 |
| Net loans and leases to deposits | 55.8489% | 6,786 |
| Net loans and leases to core deposits | 61.1020% | 6,665 |
| Total domestic deposits to total assets | 88.7327% | 1,655 |
| Equity capital to assets | 10.9285% | 2,829 |
| Core capital (leverage) ratio | 10.6708% | 2,472 |
| Tier 1 risk-based capital ratio | 16.7092% | 2,372 |
| Total risk-based capital ratio | 17.9604% | 2,325 |
| Memoranda: | ||
| Average total assets | $101,579,000 | 5,099 |
| Average earning assets | $83,823,000 | 5,369 |
| Average equity | $10,968,000 | 4,983 |
| Average total loans | $51,812,000 | 5,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 7,543 |
| Cost of funding earning assets | 3.2500% | 106 |
| Net interest margin | 1.0725% | 7,923 |
| Noninterest income to average assets | 0.1565% | 6,951 |
| Noninterest expense to average assets | 4.6135% | 707 |
| Loan and lease loss provision to assets | 4.8814% | 210 |
| Net operating income to assets | -5.3928% | 7,791 |
| Return on assets (ROA) | -5.3797% | 7,782 |
| Pretax return on assets | -8.3965% | 7,927 |
| Return on Equity (ROE) | -38.3581% | 7,543 |
| Retained earnings to average equity (ytd only) | -38.3581% | 7,530 |
| Net charge-offs to loans | 6.9028% | 126 |
| Credit loss provision to net charge-offs | 119.6480% | 4,482 |
| Earnings coverage of net charge-offs (x) | -0.8666% | 6,851 |
| Efficiency ratio | 427.9324% | 40 |
| Assets per employee ($millions) | 5.7780% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,697 |
| Loan loss allowance to noncurrent loans | 11.3777% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 12.7889% | 214 |
| Noncurrent loans to loans | 19.0883% | 79 |
| Net loans and leases to total assets | 50.3269% | 6,603 |
| Net loans and leases to deposits | 56.5224% | 6,890 |
| Net loans and leases to core deposits | 84.0565% | 5,706 |
| Total domestic deposits to total assets | 89.0389% | 1,465 |
| Equity capital to assets | 10.6727% | 3,000 |
| Core capital (leverage) ratio | 10.4652% | 2,642 |
| Tier 1 risk-based capital ratio | 16.5176% | 2,313 |
| Total risk-based capital ratio | 17.7679% | 2,259 |
| Memoranda: | ||
| Average total assets | $93,313,200 | 5,292 |
| Average earning assets | $80,184,400 | 5,455 |
| Average equity | $13,087,200 | 4,491 |
| Average total loans | $55,151,400 | 5,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 7,582 |
| Cost of funding earning assets | 3.3724% | 107 |
| Net interest margin | 1.0573% | 8,014 |
| Noninterest income to average assets | 0.1383% | 7,187 |
| Noninterest expense to average assets | 4.8233% | 556 |
| Loan and lease loss provision to assets | 6.2590% | 94 |
| Net operating income to assets | -6.4034% | 7,947 |
| Return on assets (ROA) | -6.3855% | 7,944 |
| Pretax return on assets | -10.0012% | 8,043 |
| Return on Equity (ROE) | -42.6079% | 7,775 |
| Retained earnings to average equity (ytd only) | -42.6079% | 7,771 |
| Net charge-offs to loans | 7.5396% | 90 |
| Credit loss provision to net charge-offs | 135.4233% | 3,665 |
| Earnings coverage of net charge-offs (x) | -0.8157% | 6,593 |
| Efficiency ratio | 457.9609% | 35 |
| Assets per employee ($millions) | 5.8293% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7436% | 840 |
| Loan loss allowance to noncurrent loans | 11.7597% | 7,416 |
| Noncurrent assets plus other real estate owned to assets | 14.5234% | 130 |
| Noncurrent loans to loans | 23.3304% | 37 |
| Net loans and leases to total assets | 51.5882% | 6,643 |
| Net loans and leases to deposits | 58.2268% | 6,950 |
| Net loans and leases to core deposits | 87.5055% | 5,688 |
| Total domestic deposits to total assets | 88.5987% | 1,391 |
| Equity capital to assets | 10.7913% | 3,216 |
| Core capital (leverage) ratio | 10.5639% | 2,747 |
| Tier 1 risk-based capital ratio | 15.9685% | 2,639 |
| Total risk-based capital ratio | 17.2212% | 2,573 |
| Memoranda: | ||
| Average total assets | $90,640,500 | 5,407 |
| Average earning assets | $78,438,500 | 5,542 |
| Average equity | $13,584,000 | 4,396 |
| Average total loans | $55,563,250 | 5,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 7,577 |
| Cost of funding earning assets | 3.5252% | 104 |
| Net interest margin | 1.0308% | 8,098 |
| Noninterest income to average assets | 0.1817% | 6,998 |
| Noninterest expense to average assets | 5.3518% | 414 |
| Loan and lease loss provision to assets | 5.1352% | 191 |
| Net operating income to assets | -5.8831% | 7,994 |
| Return on assets (ROA) | -5.8548% | 7,982 |
| Pretax return on assets | -9.3737% | 8,084 |
| Return on Equity (ROE) | -35.0685% | 7,788 |
| Retained earnings to average equity (ytd only) | -35.0685% | 7,768 |
| Net charge-offs to loans | 7.2895% | 122 |
| Credit loss provision to net charge-offs | 108.9427% | 4,247 |
| Earnings coverage of net charge-offs (x) | -0.9086% | 6,209 |
| Efficiency ratio | 500.6536% | 38 |
| Assets per employee ($millions) | 4.9931% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,187 |
| Loan loss allowance to noncurrent loans | 4.5766% | 7,543 |
| Noncurrent assets plus other real estate owned to assets | 17.3129% | 71 |
| Noncurrent loans to loans | 21.9968% | 41 |
| Net loans and leases to total assets | 65.1004% | 4,744 |
| Net loans and leases to deposits | 76.7895% | 5,058 |
| Net loans and leases to core deposits | 127.1216% | 1,774 |
| Total domestic deposits to total assets | 84.7777% | 3,365 |
| Equity capital to assets | 14.5224% | 1,157 |
| Core capital (leverage) ratio | 14.3490% | 1,057 |
| Tier 1 risk-based capital ratio | 20.6032% | 1,462 |
| Total risk-based capital ratio | 21.5568% | 1,476 |
| Memoranda: | ||
| Average total assets | $85,878,330 | 5,584 |
| Average earning assets | $73,924,670 | 5,750 |
| Average equity | $14,337,670 | 4,231 |
| Average total loans | $55,532,000 | 5,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 7,706 |
| Cost of funding earning assets | 3.5930% | 118 |
| Net interest margin | 0.9191% | 8,172 |
| Noninterest income to average assets | 0.0572% | 7,792 |
| Noninterest expense to average assets | 5.1645% | 431 |
| Loan and lease loss provision to assets | 4.0534% | 235 |
| Net operating income to assets | -5.2242% | 8,051 |
| Return on assets (ROA) | -5.1693% | 8,040 |
| Pretax return on assets | -8.2880% | 8,123 |
| Return on Equity (ROE) | -28.9443% | 7,898 |
| Retained earnings to average equity (ytd only) | -28.9443% | 7,846 |
| Net charge-offs to loans | 6.3037% | 144 |
| Credit loss provision to net charge-offs | 100.3542% | 3,706 |
| Earnings coverage of net charge-offs (x) | -1.0697% | 5,378 |
| Efficiency ratio | 611.8644% | 32 |
| Assets per employee ($millions) | 4.7914% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 7,300 |
| Loan loss allowance to noncurrent loans | 4.2374% | 7,555 |
| Noncurrent assets plus other real estate owned to assets | 15.3607% | 73 |
| Noncurrent loans to loans | 17.8166% | 54 |
| Net loans and leases to total assets | 63.5600% | 5,060 |
| Net loans and leases to deposits | 77.4430% | 5,013 |
| Net loans and leases to core deposits | 141.6596% | 1,032 |
| Total domestic deposits to total assets | 82.0734% | 4,517 |
| Equity capital to assets | 16.7532% | 750 |
| Core capital (leverage) ratio | 16.6085% | 701 |
| Tier 1 risk-based capital ratio | 23.5879% | 1,128 |
| Total risk-based capital ratio | 24.2764% | 1,163 |
| Memoranda: | ||
| Average total assets | $83,880,000 | 5,674 |
| Average earning assets | $71,807,000 | 5,852 |
| Average equity | $14,980,500 | 4,148 |
| Average total loans | $53,746,000 | 5,645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8589% | 6,241 |
| Cost of funding earning assets | 3.8905% | 143 |
| Net interest margin | 1.9684% | 8,083 |
| Noninterest income to average assets | 0.0688% | 7,805 |
| Noninterest expense to average assets | 3.9830% | 1,446 |
| Loan and lease loss provision to assets | 1.4221% | 967 |
| Net operating income to assets | -2.3552% | 7,670 |
| Return on assets (ROA) | -2.3499% | 7,634 |
| Pretax return on assets | -3.5902% | 7,822 |
| Return on Equity (ROE) | -11.9949% | 7,425 |
| Retained earnings to average equity (ytd only) | -16.0110% | 7,518 |
| Net charge-offs to loans | 2.3742% | 431 |
| Credit loss provision to net charge-offs | 107.2056% | 5,007 |
| Earnings coverage of net charge-offs (x) | -1.6406% | 6,682 |
| Efficiency ratio | 220.4516% | 170 |
| Assets per employee ($millions) | 5.0946% | 1,849 |
| Cash dividends to net income (ytd only)* | -33.4821% | 8,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 7,140 |
| Loan loss allowance to noncurrent loans | 7.2025% | 7,532 |
| Noncurrent assets plus other real estate owned to assets | 10.6791% | 134 |
| Noncurrent loans to loans | 10.9995% | 170 |
| Net loans and leases to total assets | 63.6001% | 5,353 |
| Net loans and leases to deposits | 81.5513% | 4,784 |
| Net loans and leases to core deposits | 157.5105% | 631 |
| Total domestic deposits to total assets | 77.9878% | 5,719 |
| Equity capital to assets | 19.0299% | 542 |
| Core capital (leverage) ratio | 18.9112% | 519 |
| Tier 1 risk-based capital ratio | 27.5300% | 791 |
| Total risk-based capital ratio | 28.2712% | 807 |
| Memoranda: | ||
| Average total assets | $85,789,200 | 5,490 |
| Average earning assets | $75,747,800 | 5,597 |
| Average equity | $16,807,200 | 3,772 |
| Average total loans | $47,931,800 | 5,793 |