Home > Glasgow Savings Bank > Performance and Condition Ratios
Glasgow Savings Bank, Performance and Condition Ratios
| 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 | 3.8341% | 6,060 |
| Cost of funding earning assets | 0.4316% | 6,090 |
| Net interest margin | 3.4025% | 5,076 |
| Noninterest income to average assets | 0.3050% | 5,370 |
| Noninterest expense to average assets | 4.1261% | 809 |
| Loan and lease loss provision to assets | 7.6168% | 3 |
| Net operating income to assets | -8.5657% | 7,239 |
| Return on assets (ROA) | -8.5657% | 7,238 |
| Pretax return on assets | -8.5657% | 7,238 |
| Return on Equity (ROE) | -256.1666% | 7,237 |
| Retained earnings to average equity (ytd only) | -256.1666% | 7,237 |
| Net charge-offs to loans | 9.1185% | 10 |
| Credit loss provision to net charge-offs | 127.1570% | 2,164 |
| Earnings coverage of net charge-offs (x) | -0.1584% | 5,150 |
| Efficiency ratio | 129.8667% | 161 |
| Assets per employee ($millions) | 4.4682% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5997% | 28 |
| Loan loss allowance to noncurrent loans | 40.0140% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 14.2608% | 120 |
| Noncurrent loans to loans | 21.4918% | 37 |
| Net loans and leases to total assets | 54.5186% | 4,703 |
| Net loans and leases to deposits | 55.8485% | 5,666 |
| Net loans and leases to core deposits | 55.8485% | 5,960 |
| Total domestic deposits to total assets | 97.6187% | 8 |
| Equity capital to assets | 1.9784% | 7,226 |
| Core capital (leverage) ratio | 1.7579% | 7,227 |
| Tier 1 risk-based capital ratio | 2.9061% | 7,219 |
| Total risk-based capital ratio | 4.2372% | 7,218 |
| Memoranda: | ||
| Average total assets | $23,605,670 | 7,048 |
| Average earning assets | $19,926,330 | 7,055 |
| Average equity | $789,330 | 7,231 |
| Average total loans | $15,507,000 | 6,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1085% | 6,997 |
| Cost of funding earning assets | 0.4239% | 6,290 |
| Net interest margin | 2.6846% | 6,792 |
| Noninterest income to average assets | 0.2806% | 5,620 |
| Noninterest expense to average assets | 4.1918% | 753 |
| Loan and lease loss provision to assets | 14.8362% | 1 |
| Net operating income to assets | -16.2390% | 7,306 |
| Return on assets (ROA) | -16.2390% | 7,306 |
| Pretax return on assets | -16.2390% | 7,306 |
| Return on Equity (ROE) | -408.7227% | 7,302 |
| Retained earnings to average equity (ytd only) | -408.7227% | 7,302 |
| Net charge-offs to loans | 17.5207% | 6 |
| Credit loss provision to net charge-offs | 123.6589% | 1,933 |
| Earnings coverage of net charge-offs (x) | -0.1169% | 4,412 |
| Efficiency ratio | 150.2959% | 102 |
| Assets per employee ($millions) | 3.5399% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4003% | 41 |
| Loan loss allowance to noncurrent loans | 36.3255% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 13.7980% | 137 |
| Noncurrent loans to loans | 20.3723% | 46 |
| Net loans and leases to total assets | 56.8102% | 4,244 |
| Net loans and leases to deposits | 58.0926% | 5,365 |
| Net loans and leases to core deposits | 58.0926% | 5,707 |
| Total domestic deposits to total assets | 97.7925% | 12 |
| Equity capital to assets | 1.9008% | 7,286 |
| Core capital (leverage) ratio | 1.8623% | 7,287 |
| Tier 1 risk-based capital ratio | 2.6911% | 7,284 |
| Total risk-based capital ratio | 4.0096% | 7,281 |
| Memoranda: | ||
| Average total assets | $24,238,000 | 7,094 |
| Average earning assets | $22,647,500 | 7,056 |
| Average equity | $963,000 | 7,279 |
| Average total loans | $16,597,500 | 6,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 4,258 |
| Cost of funding earning assets | 0.7369% | 5,296 |
| Net interest margin | 3.9609% | 3,064 |
| Noninterest income to average assets | -0.0758% | 7,088 |
| Noninterest expense to average assets | 3.9743% | 1,072 |
| Loan and lease loss provision to assets | 1.2777% | 644 |
| Net operating income to assets | -1.6256% | 6,940 |
| Return on assets (ROA) | -1.6256% | 6,957 |
| Pretax return on assets | -1.6256% | 6,924 |
| Return on Equity (ROE) | -27.8433% | 7,076 |
| Retained earnings to average equity (ytd only) | -27.8433% | 7,068 |
| Net charge-offs to loans | 3.7828% | 177 |
| Credit loss provision to net charge-offs | 51.5994% | 5,391 |
| Earnings coverage of net charge-offs (x) | -0.1405% | 5,919 |
| Efficiency ratio | 109.5916% | 441 |
| Assets per employee ($millions) | 3.3853% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2965% | 149 |
| Loan loss allowance to noncurrent loans | 34.9725% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 11.6259% | 236 |
| Noncurrent loans to loans | 15.1448% | 126 |
| Net loans and leases to total assets | 71.9078% | 1,663 |
| Net loans and leases to deposits | 76.9022% | 3,020 |
| Net loans and leases to core deposits | 76.9022% | 3,841 |
| Total domestic deposits to total assets | 93.5055% | 111 |
| Equity capital to assets | 6.1400% | 7,082 |
| Core capital (leverage) ratio | 5.8102% | 7,075 |
| Tier 1 risk-based capital ratio | 7.6807% | 7,127 |
| Total risk-based capital ratio | 8.8186% | 7,131 |
| Memoranda: | ||
| Average total assets | $29,036,200 | 6,995 |
| Average earning assets | $27,140,000 | 6,959 |
| Average equity | $1,695,200 | 7,256 |
| Average total loans | $19,007,200 | 6,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 5,060 |
| Cost of funding earning assets | 0.7985% | 5,160 |
| Net interest margin | 3.7576% | 4,076 |
| Noninterest income to average assets | -0.0834% | 7,197 |
| Noninterest expense to average assets | 3.7403% | 1,412 |
| Loan and lease loss provision to assets | 1.4663% | 475 |
| Net operating income to assets | -2.1731% | 7,166 |
| Return on assets (ROA) | -2.1731% | 7,176 |
| Pretax return on assets | -1.7779% | 7,076 |
| Return on Equity (ROE) | -37.6003% | 7,240 |
| Retained earnings to average equity (ytd only) | -37.6003% | 7,234 |
| Net charge-offs to loans | 4.9910% | 96 |
| Credit loss provision to net charge-offs | 46.3245% | 5,113 |
| Earnings coverage of net charge-offs (x) | -0.0985% | 5,662 |
| Efficiency ratio | 109.0909% | 446 |
| Assets per employee ($millions) | 3.6516% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8840% | 204 |
| Loan loss allowance to noncurrent loans | 66.3762% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 6.4591% | 804 |
| Noncurrent loans to loans | 7.3581% | 650 |
| Net loans and leases to total assets | 69.6373% | 2,151 |
| Net loans and leases to deposits | 74.0895% | 3,643 |
| Net loans and leases to core deposits | 74.0895% | 4,433 |
| Total domestic deposits to total assets | 93.9908% | 79 |
| Equity capital to assets | 5.6218% | 7,218 |
| Core capital (leverage) ratio | 5.1900% | 7,214 |
| Tier 1 risk-based capital ratio | 7.2054% | 7,230 |
| Total risk-based capital ratio | 8.3926% | 7,235 |
| Memoranda: | ||
| Average total assets | $30,371,000 | 7,031 |
| Average earning assets | $28,386,250 | 6,983 |
| Average equity | $1,755,250 | 7,320 |
| Average total loans | $19,260,750 | 6,766 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 5,596 |
| Cost of funding earning assets | 0.9005% | 4,667 |
| Net interest margin | 3.5283% | 5,021 |
| Noninterest income to average assets | 0.2252% | 6,060 |
| Noninterest expense to average assets | 3.8969% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3941% | 6,609 |
| Return on assets (ROA) | -0.3941% | 6,637 |
| Pretax return on assets | -0.3878% | 6,585 |
| Return on Equity (ROE) | -6.7694% | 6,815 |
| Retained earnings to average equity (ytd only) | -6.7694% | 6,708 |
| Net charge-offs to loans | 5.3387% | 108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1195% | 5,360 |
| Efficiency ratio | 111.0517% | 462 |
| Assets per employee ($millions) | 4.0991% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1488% | 374 |
| Loan loss allowance to noncurrent loans | 42.3389% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 7.4510% | 654 |
| Noncurrent loans to loans | 9.7989% | 399 |
| Net loans and leases to total assets | 62.9644% | 3,683 |
| Net loans and leases to deposits | 67.5983% | 4,771 |
| Net loans and leases to core deposits | 68.9685% | 5,192 |
| Total domestic deposits to total assets | 93.1449% | 124 |
| Equity capital to assets | 6.5240% | 7,181 |
| Core capital (leverage) ratio | 5.8784% | 7,216 |
| Tier 1 risk-based capital ratio | 9.5245% | 7,097 |
| Total risk-based capital ratio | 10.8038% | 7,099 |
| Memoranda: | ||
| Average total assets | $31,974,330 | 7,046 |
| Average earning assets | $29,759,670 | 7,007 |
| Average equity | $1,861,330 | 7,371 |
| Average total loans | $19,443,000 | 6,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 6,321 |
| Cost of funding earning assets | 0.9946% | 4,238 |
| Net interest margin | 3.1879% | 6,108 |
| Noninterest income to average assets | 0.1904% | 6,360 |
| Noninterest expense to average assets | 3.9745% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8092% | 6,967 |
| Return on assets (ROA) | -0.8092% | 6,976 |
| Pretax return on assets | -0.8092% | 6,929 |
| Return on Equity (ROE) | -14.6552% | 7,141 |
| Retained earnings to average equity (ytd only) | -14.6552% | 7,030 |
| Net charge-offs to loans | 9.2199% | 45 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1495% | 4,668 |
| Efficiency ratio | 125.5639% | 298 |
| Assets per employee ($millions) | 4.3688% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4219% | 304 |
| Loan loss allowance to noncurrent loans | 69.5724% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 5.3448% | 1,154 |
| Noncurrent loans to loans | 6.3558% | 961 |
| Net loans and leases to total assets | 52.3205% | 5,537 |
| Net loans and leases to deposits | 55.3132% | 6,191 |
| Net loans and leases to core deposits | 57.4183% | 6,313 |
| Total domestic deposits to total assets | 94.5894% | 60 |
| Equity capital to assets | 5.2132% | 7,360 |
| Core capital (leverage) ratio | 5.2074% | 7,338 |
| Tier 1 risk-based capital ratio | 8.5532% | 7,260 |
| Total risk-based capital ratio | 9.8350% | 7,262 |
| Memoranda: | ||
| Average total assets | $33,614,500 | 7,047 |
| Average earning assets | $31,369,000 | 7,005 |
| Average equity | $1,856,000 | 7,423 |
| Average total loans | $19,740,000 | 6,855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 6,969 |
| Cost of funding earning assets | 1.2453% | 4,247 |
| Net interest margin | 2.9247% | 6,861 |
| Noninterest income to average assets | -0.3294% | 7,518 |
| Noninterest expense to average assets | 8.4898% | 101 |
| Loan and lease loss provision to assets | 2.8699% | 352 |
| Net operating income to assets | -8.4842% | 7,625 |
| Return on assets (ROA) | -8.4842% | 7,625 |
| Pretax return on assets | -9.1123% | 7,635 |
| Return on Equity (ROE) | -73.1478% | 7,527 |
| Retained earnings to average equity (ytd only) | -73.1478% | 7,526 |
| Net charge-offs to loans | 1.9353% | 1,063 |
| Credit loss provision to net charge-offs | 256.3591% | 1,105 |
| Earnings coverage of net charge-offs (x) | -5.5761% | 6,781 |
| Efficiency ratio | 148.5714% | 221 |
| Assets per employee ($millions) | 4.0349% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3937% | 88 |
| Loan loss allowance to noncurrent loans | 89.5389% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 5.5206% | 1,123 |
| Noncurrent loans to loans | 7.1408% | 781 |
| Net loans and leases to total assets | 59.0074% | 4,841 |
| Net loans and leases to deposits | 62.8448% | 5,764 |
| Net loans and leases to core deposits | 66.2758% | 5,849 |
| Total domestic deposits to total assets | 93.8939% | 93 |
| Equity capital to assets | 5.8552% | 7,363 |
| Core capital (leverage) ratio | 5.3513% | 7,377 |
| Tier 1 risk-based capital ratio | 8.9549% | 7,253 |
| Total risk-based capital ratio | 10.2671% | 7,249 |
| Memoranda: | ||
| Average total assets | $35,819,600 | 7,016 |
| Average earning assets | $31,559,200 | 7,034 |
| Average equity | $4,154,600 | 6,939 |
| Average total loans | $20,719,800 | 6,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 7,199 |
| Cost of funding earning assets | 1.2869% | 4,313 |
| Net interest margin | 2.8161% | 7,112 |
| Noninterest income to average assets | -0.1671% | 7,576 |
| Noninterest expense to average assets | 3.4218% | 2,230 |
| Loan and lease loss provision to assets | 1.2823% | 1,093 |
| Net operating income to assets | -1.4784% | 7,103 |
| Return on assets (ROA) | -1.4784% | 7,118 |
| Pretax return on assets | -2.4229% | 7,305 |
| Return on Equity (ROE) | -11.4950% | 6,988 |
| Retained earnings to average equity (ytd only) | -11.4950% | 6,949 |
| Net charge-offs to loans | 2.5304% | 663 |
| Credit loss provision to net charge-offs | 89.3671% | 4,795 |
| Earnings coverage of net charge-offs (x) | -0.7949% | 6,414 |
| Efficiency ratio | 138.3758% | 253 |
| Assets per employee ($millions) | 4.4516% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1997% | 695 |
| Loan loss allowance to noncurrent loans | 44.8227% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 5.1554% | 1,234 |
| Noncurrent loans to loans | 7.1385% | 772 |
| Net loans and leases to total assets | 53.6883% | 5,892 |
| Net loans and leases to deposits | 61.7671% | 6,141 |
| Net loans and leases to core deposits | 65.1914% | 6,193 |
| Total domestic deposits to total assets | 86.9205% | 2,579 |
| Equity capital to assets | 12.7987% | 1,681 |
| Core capital (leverage) ratio | 8.6843% | 5,213 |
| Tier 1 risk-based capital ratio | 13.1211% | 4,484 |
| Total risk-based capital ratio | 14.3791% | 4,456 |
| Memoranda: | ||
| Average total assets | $36,704,750 | 7,072 |
| Average earning assets | $31,910,750 | 7,104 |
| Average equity | $4,720,750 | 6,837 |
| Average total loans | $20,812,750 | 6,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 7,074 |
| Cost of funding earning assets | 1.3490% | 4,194 |
| Net interest margin | 2.9343% | 6,960 |
| Noninterest income to average assets | -0.3075% | 7,714 |
| Noninterest expense to average assets | 3.2372% | 2,774 |
| Loan and lease loss provision to assets | 1.6672% | 766 |
| Net operating income to assets | -1.6726% | 7,208 |
| Return on assets (ROA) | -1.6726% | 7,220 |
| Pretax return on assets | -2.6653% | 7,408 |
| Return on Equity (ROE) | -12.9843% | 7,074 |
| Retained earnings to average equity (ytd only) | -12.9843% | 7,034 |
| Net charge-offs to loans | 3.7418% | 372 |
| Credit loss provision to net charge-offs | 78.0303% | 4,763 |
| Earnings coverage of net charge-offs (x) | -0.4672% | 6,005 |
| Efficiency ratio | 133.0120% | 296 |
| Assets per employee ($millions) | 5.0333% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9246% | 889 |
| Loan loss allowance to noncurrent loans | 41.6193% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 5.2252% | 1,208 |
| Noncurrent loans to loans | 7.0270% | 806 |
| Net loans and leases to total assets | 55.2068% | 5,816 |
| Net loans and leases to deposits | 63.7759% | 6,057 |
| Net loans and leases to core deposits | 67.9606% | 6,058 |
| Total domestic deposits to total assets | 86.5637% | 2,782 |
| Equity capital to assets | 13.1468% | 1,503 |
| Core capital (leverage) ratio | 8.0513% | 6,197 |
| Tier 1 risk-based capital ratio | 13.4040% | 4,135 |
| Total risk-based capital ratio | 14.6673% | 4,090 |
| Memoranda: | ||
| Average total assets | $37,068,670 | 7,109 |
| Average earning assets | $32,171,670 | 7,147 |
| Average equity | $4,775,000 | 6,852 |
| Average total loans | $21,166,330 | 7,006 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 7,205 |
| Cost of funding earning assets | 1.3679% | 4,370 |
| Net interest margin | 2.8823% | 7,045 |
| Noninterest income to average assets | 0.1895% | 6,608 |
| Noninterest expense to average assets | 2.8221% | 4,398 |
| Loan and lease loss provision to assets | 3.0853% | 319 |
| Net operating income to assets | -2.0112% | 7,469 |
| Return on assets (ROA) | -2.0112% | 7,473 |
| Pretax return on assets | -3.2327% | 7,620 |
| Return on Equity (ROE) | -15.7640% | 7,334 |
| Retained earnings to average equity (ytd only) | -15.7640% | 7,237 |
| Net charge-offs to loans | 7.3443% | 117 |
| Credit loss provision to net charge-offs | 73.4336% | 4,023 |
| Earnings coverage of net charge-offs (x) | -0.0351% | 5,054 |
| Efficiency ratio | 105.5118% | 689 |
| Assets per employee ($millions) | 5.6309% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8471% | 937 |
| Loan loss allowance to noncurrent loans | 28.6435% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 7.5325% | 677 |
| Noncurrent loans to loans | 9.9398% | 426 |
| Net loans and leases to total assets | 49.1729% | 6,558 |
| Net loans and leases to deposits | 56.1520% | 6,763 |
| Net loans and leases to core deposits | 56.1520% | 6,988 |
| Total domestic deposits to total assets | 87.5710% | 2,320 |
| Equity capital to assets | 12.0535% | 2,016 |
| Core capital (leverage) ratio | 9.1360% | 4,317 |
| Tier 1 risk-based capital ratio | 12.9723% | 4,350 |
| Total risk-based capital ratio | 14.2360% | 4,315 |
| Memoranda: | ||
| Average total assets | $37,986,500 | 7,164 |
| Average earning assets | $32,752,000 | 7,209 |
| Average equity | $4,846,500 | 6,895 |
| Average total loans | $21,731,000 | 7,066 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7410% | 2,906 |
| Cost of funding earning assets | 1.3550% | 6,122 |
| Net interest margin | 4.3860% | 1,474 |
| Noninterest income to average assets | 0.2047% | 6,646 |
| Noninterest expense to average assets | 3.1951% | 3,396 |
| Loan and lease loss provision to assets | 2.2573% | 915 |
| Net operating income to assets | -0.8437% | 6,466 |
| Return on assets (ROA) | -0.8437% | 6,466 |
| Pretax return on assets | -1.3527% | 6,625 |
| Return on Equity (ROE) | -6.0602% | 6,310 |
| Retained earnings to average equity (ytd only) | -9.1798% | 6,448 |
| Net charge-offs to loans | 1.4176% | 1,773 |
| Credit loss provision to net charge-offs | 199.0244% | 1,970 |
| Earnings coverage of net charge-offs (x) | 0.7976% | 5,308 |
| Efficiency ratio | 71.3900% | 4,371 |
| Assets per employee ($millions) | 4.5696% | 2,810 |
| Cash dividends to net income (ytd only)* | -51.4754% | 7,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8666% | 869 |
| Loan loss allowance to noncurrent loans | 335.3234% | 959 |
| Noncurrent assets plus other real estate owned to assets | 3.0637% | 2,273 |
| Noncurrent loans to loans | 0.8549% | 5,586 |
| Net loans and leases to total assets | 62.4723% | 4,900 |
| Net loans and leases to deposits | 72.5615% | 5,252 |
| Net loans and leases to core deposits | 97.5649% | 4,273 |
| Total domestic deposits to total assets | 86.0957% | 2,969 |
| Equity capital to assets | 13.5186% | 1,314 |
| Core capital (leverage) ratio | 9.3251% | 3,937 |
| Tier 1 risk-based capital ratio | 13.1953% | 4,018 |
| Total risk-based capital ratio | 14.4296% | 3,973 |
| Memoranda: | ||
| Average total assets | $36,148,800 | 7,240 |
| Average earning assets | $32,102,400 | 7,253 |
| Average equity | $5,032,800 | 6,928 |
| Average total loans | $28,922,800 | 6,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8771% | 2,550 |
| Cost of funding earning assets | 1.3709% | 6,330 |
| Net interest margin | 4.5062% | 1,181 |
| Noninterest income to average assets | 0.1701% | 6,992 |
| Noninterest expense to average assets | 3.1958% | 3,313 |
| Loan and lease loss provision to assets | 1.5128% | 1,264 |
| Net operating income to assets | -0.3144% | 6,220 |
| Return on assets (ROA) | -0.3144% | 6,231 |
| Pretax return on assets | -0.5141% | 6,313 |
| Return on Equity (ROE) | -2.2417% | 6,128 |
| Retained earnings to average equity (ytd only) | -6.3824% | 6,432 |
| Net charge-offs to loans | 0.3875% | 3,715 |
| Credit loss provision to net charge-offs | 464.7727% | 840 |
| Earnings coverage of net charge-offs (x) | 3.0682% | 3,697 |
| Efficiency ratio | 69.7531% | 4,640 |
| Assets per employee ($millions) | 4.3863% | 3,063 |
| Cash dividends to net income (ytd only)* | -184.7084% | 8,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 1,807 |
| Loan loss allowance to noncurrent loans | 69.5396% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 3.6107% | 1,823 |
| Noncurrent loans to loans | 2.8726% | 2,647 |
| Net loans and leases to total assets | 82.3482% | 759 |
| Net loans and leases to deposits | 97.0707% | 1,432 |
| Net loans and leases to core deposits | 128.7586% | 1,520 |
| Total domestic deposits to total assets | 84.8333% | 3,316 |
| Equity capital to assets | 14.7136% | 1,091 |
| Core capital (leverage) ratio | 10.2512% | 3,013 |
| Tier 1 risk-based capital ratio | 12.5231% | 4,524 |
| Total risk-based capital ratio | 13.7877% | 4,464 |
| Memoranda: | ||
| Average total assets | $36,046,750 | 7,307 |
| Average earning assets | $32,191,750 | 7,319 |
| Average equity | $5,055,500 | 6,978 |
| Average total loans | $30,275,500 | 6,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8600% | 2,760 |
| Cost of funding earning assets | 1.4066% | 6,454 |
| Net interest margin | 4.4534% | 1,279 |
| Noninterest income to average assets | 0.0990% | 7,488 |
| Noninterest expense to average assets | 3.0963% | 3,719 |
| Loan and lease loss provision to assets | 2.0899% | 764 |
| Net operating income to assets | -0.6820% | 6,735 |
| Return on assets (ROA) | -0.6820% | 6,740 |
| Pretax return on assets | -1.0999% | 6,881 |
| Return on Equity (ROE) | -4.9406% | 6,600 |
| Retained earnings to average equity (ytd only) | -10.5186% | 6,928 |
| Net charge-offs to loans | 0.4977% | 2,838 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 3,881 |
| Efficiency ratio | 69.3136% | 4,917 |
| Assets per employee ($millions) | 4.6028% | 2,600 |
| Cash dividends to net income (ytd only)* | -112.9032% | 8,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 1,732 |
| Loan loss allowance to noncurrent loans | 583.6735% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 4,077 |
| Noncurrent loans to loans | 0.3297% | 6,686 |
| Net loans and leases to total assets | 79.1809% | 1,484 |
| Net loans and leases to deposits | 92.9986% | 2,272 |
| Net loans and leases to core deposits | 121.0697% | 2,270 |
| Total domestic deposits to total assets | 85.1420% | 3,193 |
| Equity capital to assets | 13.9590% | 1,323 |
| Core capital (leverage) ratio | 9.6967% | 3,635 |
| Tier 1 risk-based capital ratio | 12.0407% | 4,885 |
| Total risk-based capital ratio | 13.2948% | 4,799 |
| Memoranda: | ||
| Average total assets | $36,365,670 | 7,367 |
| Average earning assets | $32,559,670 | 7,374 |
| Average equity | $5,019,670 | 7,052 |
| Average total loans | $30,539,000 | 6,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 2,428 |
| Cost of funding earning assets | 1.4681% | 6,513 |
| Net interest margin | 4.5155% | 1,099 |
| Noninterest income to average assets | 0.1660% | 7,117 |
| Noninterest expense to average assets | 3.0218% | 3,665 |
| Loan and lease loss provision to assets | 1.4389% | 881 |
| Net operating income to assets | -0.1550% | 6,487 |
| Return on assets (ROA) | -0.1550% | 6,591 |
| Pretax return on assets | -0.2435% | 6,616 |
| Return on Equity (ROE) | -1.1291% | 6,559 |
| Retained earnings to average equity (ytd only) | -5.1618% | 6,569 |
| Net charge-offs to loans | 0.1293% | 3,929 |
| Credit loss provision to net charge-offs | 1,300.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,921 |
| Efficiency ratio | 65.3543% | 5,440 |
| Assets per employee ($millions) | 4.5985% | 2,566 |
| Cash dividends to net income (ytd only)* | -357.1429% | 8,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,330 |
| Loan loss allowance to noncurrent loans | 233.1325% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 5,296 |
| Noncurrent loans to loans | 0.5413% | 6,061 |
| Net loans and leases to total assets | 82.3149% | 967 |
| Net loans and leases to deposits | 97.5046% | 1,735 |
| Net loans and leases to core deposits | 124.5660% | 2,032 |
| Total domestic deposits to total assets | 84.4216% | 3,504 |
| Equity capital to assets | 14.5156% | 1,230 |
| Core capital (leverage) ratio | 10.4386% | 2,996 |
| Tier 1 risk-based capital ratio | 12.7144% | 4,376 |
| Total risk-based capital ratio | 13.9671% | 4,295 |
| Memoranda: | ||
| Average total assets | $36,137,500 | 7,412 |
| Average earning assets | $32,422,000 | 7,423 |
| Average equity | $4,959,500 | 7,125 |
| Average total loans | $30,944,500 | 6,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4963% | 2,974 |
| Cost of funding earning assets | 2.2076% | 5,562 |
| Net interest margin | 4.2888% | 2,019 |
| Noninterest income to average assets | 0.2893% | 6,396 |
| Noninterest expense to average assets | 2.6005% | 5,650 |
| Loan and lease loss provision to assets | 0.5201% | 2,734 |
| Net operating income to assets | 0.6536% | 4,091 |
| Return on assets (ROA) | 0.6536% | 3,945 |
| Pretax return on assets | 1.0374% | 3,245 |
| Return on Equity (ROE) | 5.1726% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.0690% | 3,949 |
| Net charge-offs to loans | 0.2806% | 3,527 |
| Credit loss provision to net charge-offs | 236.7089% | 1,996 |
| Earnings coverage of net charge-offs (x) | 7.0886% | 3,192 |
| Efficiency ratio | 56.0535% | 7,001 |
| Assets per employee ($millions) | 4.4359% | 2,715 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,860 |
| Loan loss allowance to noncurrent loans | 270.7071% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,433 |
| Noncurrent loans to loans | 0.3171% | 6,424 |
| Net loans and leases to total assets | 87.2207% | 448 |
| Net loans and leases to deposits | 105.3111% | 1,189 |
| Net loans and leases to core deposits | 136.6172% | 1,457 |
| Total domestic deposits to total assets | 82.8219% | 3,844 |
| Equity capital to assets | 12.9033% | 1,828 |
| Core capital (leverage) ratio | 8.3223% | 5,911 |
| Tier 1 risk-based capital ratio | 9.9022% | 6,847 |
| Total risk-based capital ratio | 10.8413% | 7,110 |
| Memoranda: | ||
| Average total assets | $35,954,400 | 7,386 |
| Average earning assets | $32,433,600 | 7,390 |
| Average equity | $4,543,200 | 7,317 |
| Average total loans | $28,149,000 | 6,832 |