Home > Griffith Savings Bank > Performance and Condition Ratios
Griffith Savings Bank, Performance and Condition Ratios
| 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 | 0.0000% | 7,306 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.0000% | 7,305 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 10.9655% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -10.9655% | 7,301 |
| Return on assets (ROA) | -10.9655% | 7,301 |
| Pretax return on assets | -10.9655% | 7,301 |
| Return on Equity (ROE) | -118.8398% | 7,273 |
| Retained earnings to average equity (ytd only) | -118.8398% | 7,269 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,317 |
| Equity capital to assets | 100.0000% | 1 |
| Core capital (leverage) ratio | 100.0000% | 2 |
| Tier 1 risk-based capital ratio | 501.3514% | 3 |
| Total risk-based capital ratio | 501.3514% | 3 |
| Memoranda: | ||
| Average total assets | $42,971,000 | 6,566 |
| Average earning assets | $40,026,000 | 6,523 |
| Average equity | $3,965,000 | 6,723 |
| Average total loans | $31,164,500 | 6,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0266% | 2,774 |
| Cost of funding earning assets | 1.7378% | 280 |
| Net interest margin | 3.2888% | 5,841 |
| Noninterest income to average assets | 0.2489% | 5,751 |
| Noninterest expense to average assets | 2.9830% | 3,654 |
| Loan and lease loss provision to assets | 0.0419% | 6,051 |
| Net operating income to assets | 0.3247% | 5,170 |
| Return on assets (ROA) | 0.3258% | 5,317 |
| Pretax return on assets | 0.3122% | 5,526 |
| Return on Equity (ROE) | 4.1769% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.1769% | 3,204 |
| Net charge-offs to loans | 0.5483% | 2,821 |
| Credit loss provision to net charge-offs | 10.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | 0.8432% | 5,167 |
| Efficiency ratio | 89.4201% | 1,232 |
| Assets per employee ($millions) | 5.3250% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5189% | 1,290 |
| Loan loss allowance to noncurrent loans | 39.4175% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 5.9131% | 835 |
| Noncurrent loans to loans | 6.3903% | 745 |
| Net loans and leases to total assets | 71.3134% | 1,769 |
| Net loans and leases to deposits | 87.1097% | 1,502 |
| Net loans and leases to core deposits | 94.5106% | 1,631 |
| Total domestic deposits to total assets | 81.8662% | 5,174 |
| Equity capital to assets | 8.4366% | 6,215 |
| Core capital (leverage) ratio | 8.0564% | 6,198 |
| Tier 1 risk-based capital ratio | 15.6473% | 3,240 |
| Total risk-based capital ratio | 16.9246% | 3,185 |
| Memoranda: | ||
| Average total assets | $88,400,800 | 5,227 |
| Average earning assets | $82,978,000 | 5,144 |
| Average equity | $6,895,000 | 5,893 |
| Average total loans | $67,486,600 | 4,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 3,486 |
| Cost of funding earning assets | 1.7345% | 345 |
| Net interest margin | 3.1808% | 6,201 |
| Noninterest income to average assets | 0.2571% | 5,786 |
| Noninterest expense to average assets | 2.7069% | 4,695 |
| Loan and lease loss provision to assets | 0.5037% | 1,963 |
| Net operating income to assets | 0.0493% | 6,079 |
| Return on assets (ROA) | 0.0493% | 6,177 |
| Pretax return on assets | 0.0314% | 6,187 |
| Return on Equity (ROE) | 0.6450% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.6450% | 5,757 |
| Net charge-offs to loans | 0.7405% | 2,081 |
| Credit loss provision to net charge-offs | 88.2199% | 3,838 |
| Earnings coverage of net charge-offs (x) | 0.9372% | 4,924 |
| Efficiency ratio | 83.4947% | 1,789 |
| Assets per employee ($millions) | 5.2070% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8455% | 985 |
| Loan loss allowance to noncurrent loans | 45.0643% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 5.8202% | 934 |
| Noncurrent loans to loans | 6.3142% | 853 |
| Net loans and leases to total assets | 71.6671% | 1,781 |
| Net loans and leases to deposits | 86.7815% | 1,579 |
| Net loans and leases to core deposits | 97.7714% | 1,438 |
| Total domestic deposits to total assets | 82.5834% | 4,844 |
| Equity capital to assets | 7.8220% | 6,795 |
| Core capital (leverage) ratio | 7.7030% | 6,637 |
| Tier 1 risk-based capital ratio | 13.7714% | 4,523 |
| Total risk-based capital ratio | 15.0532% | 4,461 |
| Memoranda: | ||
| Average total assets | $89,201,000 | 5,240 |
| Average earning assets | $83,709,500 | 5,167 |
| Average equity | $6,821,750 | 5,959 |
| Average total loans | $68,776,000 | 4,575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 3,572 |
| Cost of funding earning assets | 1.7365% | 410 |
| Net interest margin | 3.1729% | 6,236 |
| Noninterest income to average assets | 0.2773% | 5,665 |
| Noninterest expense to average assets | 2.7911% | 4,461 |
| Loan and lease loss provision to assets | 0.6419% | 1,494 |
| Net operating income to assets | -0.1297% | 6,387 |
| Return on assets (ROA) | -0.1297% | 6,431 |
| Pretax return on assets | -0.1767% | 6,436 |
| Return on Equity (ROE) | -1.7090% | 6,487 |
| Retained earnings to average equity (ytd only) | -1.7090% | 6,199 |
| Net charge-offs to loans | 0.8894% | 1,746 |
| Credit loss provision to net charge-offs | 92.2830% | 3,396 |
| Earnings coverage of net charge-offs (x) | 0.6688% | 4,790 |
| Efficiency ratio | 85.7143% | 1,630 |
| Assets per employee ($millions) | 5.2015% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 1,086 |
| Loan loss allowance to noncurrent loans | 36.7638% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 7.0602% | 717 |
| Noncurrent loans to loans | 7.5867% | 626 |
| Net loans and leases to total assets | 74.0616% | 1,407 |
| Net loans and leases to deposits | 89.4830% | 1,331 |
| Net loans and leases to core deposits | 101.1991% | 1,240 |
| Total domestic deposits to total assets | 82.7662% | 4,868 |
| Equity capital to assets | 7.6686% | 6,870 |
| Core capital (leverage) ratio | 7.4948% | 6,745 |
| Tier 1 risk-based capital ratio | 13.3043% | 4,687 |
| Total risk-based capital ratio | 14.5851% | 4,642 |
| Memoranda: | ||
| Average total assets | $89,428,330 | 5,276 |
| Average earning assets | $83,962,330 | 5,199 |
| Average equity | $6,787,670 | 5,992 |
| Average total loans | $69,935,670 | 4,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 3,215 |
| Cost of funding earning assets | 1.7392% | 475 |
| Net interest margin | 3.2373% | 5,959 |
| Noninterest income to average assets | 0.3114% | 5,439 |
| Noninterest expense to average assets | 2.4419% | 5,761 |
| Loan and lease loss provision to assets | 0.6316% | 1,367 |
| Net operating income to assets | 0.2847% | 5,486 |
| Return on assets (ROA) | 0.2847% | 5,553 |
| Pretax return on assets | 0.2847% | 5,703 |
| Return on Equity (ROE) | 3.7697% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.7697% | 3,910 |
| Net charge-offs to loans | 0.2584% | 3,036 |
| Credit loss provision to net charge-offs | 308.6957% | 1,041 |
| Earnings coverage of net charge-offs (x) | 4.4783% | 2,471 |
| Efficiency ratio | 72.7152% | 3,730 |
| Assets per employee ($millions) | 5.6093% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8687% | 1,041 |
| Loan loss allowance to noncurrent loans | 33.9562% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 7.0920% | 749 |
| Noncurrent loans to loans | 8.4481% | 560 |
| Net loans and leases to total assets | 75.4159% | 1,124 |
| Net loans and leases to deposits | 91.0699% | 1,114 |
| Net loans and leases to core deposits | 103.1485% | 1,121 |
| Total domestic deposits to total assets | 82.8110% | 4,993 |
| Equity capital to assets | 7.6235% | 6,800 |
| Core capital (leverage) ratio | 7.5993% | 6,653 |
| Tier 1 risk-based capital ratio | 13.4314% | 4,475 |
| Total risk-based capital ratio | 14.7132% | 4,426 |
| Memoranda: | ||
| Average total assets | $89,930,000 | 5,293 |
| Average earning assets | $84,639,000 | 5,202 |
| Average equity | $6,791,000 | 5,990 |
| Average total loans | $71,219,500 | 4,576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 5,054 |
| Cost of funding earning assets | 2.0679% | 477 |
| Net interest margin | 2.8283% | 6,998 |
| Noninterest income to average assets | 0.2146% | 6,278 |
| Noninterest expense to average assets | 2.1041% | 6,833 |
| Loan and lease loss provision to assets | 1.8409% | 745 |
| Net operating income to assets | -1.7544% | 6,983 |
| Return on assets (ROA) | -1.7544% | 7,005 |
| Pretax return on assets | -1.0699% | 6,679 |
| Return on Equity (ROE) | -21.9324% | 7,074 |
| Retained earnings to average equity (ytd only) | -21.9324% | 7,050 |
| Net charge-offs to loans | 1.8449% | 1,130 |
| Credit loss provision to net charge-offs | 128.5913% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.5385% | 5,571 |
| Efficiency ratio | 73.1859% | 3,561 |
| Assets per employee ($millions) | 5.3006% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6156% | 1,275 |
| Loan loss allowance to noncurrent loans | 27.9688% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 8.0601% | 610 |
| Noncurrent loans to loans | 9.3519% | 473 |
| Net loans and leases to total assets | 78.6275% | 859 |
| Net loans and leases to deposits | 94.7777% | 985 |
| Net loans and leases to core deposits | 107.6500% | 1,082 |
| Total domestic deposits to total assets | 82.9599% | 4,810 |
| Equity capital to assets | 7.4797% | 6,888 |
| Core capital (leverage) ratio | 7.1027% | 6,971 |
| Tier 1 risk-based capital ratio | 12.8974% | 4,686 |
| Total risk-based capital ratio | 14.1763% | 4,637 |
| Memoranda: | ||
| Average total assets | $100,660,000 | 4,965 |
| Average earning assets | $94,687,200 | 4,873 |
| Average equity | $8,052,000 | 5,699 |
| Average total loans | $78,108,200 | 4,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 5,394 |
| Cost of funding earning assets | 2.0924% | 553 |
| Net interest margin | 2.7784% | 7,155 |
| Noninterest income to average assets | 0.2014% | 6,455 |
| Noninterest expense to average assets | 2.1065% | 6,834 |
| Loan and lease loss provision to assets | 2.0755% | 561 |
| Net operating income to assets | -0.7693% | 6,778 |
| Return on assets (ROA) | -0.7693% | 6,812 |
| Pretax return on assets | -1.3669% | 7,000 |
| Return on Equity (ROE) | -9.4827% | 6,905 |
| Retained earnings to average equity (ytd only) | -9.4827% | 6,850 |
| Net charge-offs to loans | 2.0542% | 909 |
| Credit loss provision to net charge-offs | 131.3725% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.4485% | 5,576 |
| Efficiency ratio | 74.8281% | 3,178 |
| Assets per employee ($millions) | 5.7668% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4720% | 1,370 |
| Loan loss allowance to noncurrent loans | 29.5648% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 6.7577% | 823 |
| Noncurrent loans to loans | 8.3613% | 599 |
| Net loans and leases to total assets | 75.4560% | 1,502 |
| Net loans and leases to deposits | 93.1909% | 1,306 |
| Net loans and leases to core deposits | 108.3535% | 1,135 |
| Total domestic deposits to total assets | 80.9692% | 5,380 |
| Equity capital to assets | 8.1388% | 6,682 |
| Core capital (leverage) ratio | 7.2960% | 7,010 |
| Tier 1 risk-based capital ratio | 12.9626% | 4,606 |
| Total risk-based capital ratio | 14.2396% | 4,560 |
| Memoranda: | ||
| Average total assets | $103,297,250 | 4,955 |
| Average earning assets | $97,176,000 | 4,859 |
| Average equity | $8,380,000 | 5,665 |
| Average total loans | $79,446,500 | 4,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 5,572 |
| Cost of funding earning assets | 2.1454% | 561 |
| Net interest margin | 2.7150% | 7,242 |
| Noninterest income to average assets | 0.1923% | 6,521 |
| Noninterest expense to average assets | 2.0904% | 6,936 |
| Loan and lease loss provision to assets | 0.5712% | 2,492 |
| Net operating income to assets | 0.1085% | 5,845 |
| Return on assets (ROA) | 0.1085% | 5,954 |
| Pretax return on assets | 0.0895% | 5,998 |
| Return on Equity (ROE) | 1.3390% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.3390% | 5,215 |
| Net charge-offs to loans | 0.2232% | 4,261 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 3.8556% | 3,150 |
| Efficiency ratio | 75.9862% | 3,084 |
| Assets per employee ($millions) | 5.8965% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 1,838 |
| Loan loss allowance to noncurrent loans | 22.2498% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 7.7733% | 645 |
| Noncurrent loans to loans | 9.7218% | 462 |
| Net loans and leases to total assets | 76.7528% | 1,342 |
| Net loans and leases to deposits | 94.9160% | 1,163 |
| Net loans and leases to core deposits | 109.7219% | 1,183 |
| Total domestic deposits to total assets | 80.8639% | 5,448 |
| Equity capital to assets | 8.5385% | 6,118 |
| Core capital (leverage) ratio | 8.2808% | 5,803 |
| Tier 1 risk-based capital ratio | 15.0793% | 3,117 |
| Total risk-based capital ratio | 16.3501% | 3,067 |
| Memoranda: | ||
| Average total assets | $105,051,000 | 4,942 |
| Average earning assets | $99,004,670 | 4,843 |
| Average equity | $8,513,670 | 5,631 |
| Average total loans | $80,645,670 | 4,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 6,203 |
| Cost of funding earning assets | 2.1890% | 608 |
| Net interest margin | 2.5242% | 7,452 |
| Noninterest income to average assets | 0.1750% | 6,712 |
| Noninterest expense to average assets | 2.0325% | 7,101 |
| Loan and lease loss provision to assets | 0.5584% | 2,267 |
| Net operating income to assets | 0.0335% | 6,211 |
| Return on assets (ROA) | 0.0335% | 6,326 |
| Pretax return on assets | -0.0335% | 6,395 |
| Return on Equity (ROE) | 0.4240% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.4240% | 5,665 |
| Net charge-offs to loans | 0.0882% | 4,540 |
| Credit loss provision to net charge-offs | 833.3333% | 549 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,030 |
| Efficiency ratio | 79.4760% | 2,653 |
| Assets per employee ($millions) | 6.2646% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,170 |
| Loan loss allowance to noncurrent loans | 22.1540% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 7.0170% | 766 |
| Noncurrent loans to loans | 9.0539% | 531 |
| Net loans and leases to total assets | 74.4533% | 1,874 |
| Net loans and leases to deposits | 90.8968% | 1,773 |
| Net loans and leases to core deposits | 106.6871% | 1,522 |
| Total domestic deposits to total assets | 81.9097% | 5,113 |
| Equity capital to assets | 7.9879% | 6,669 |
| Core capital (leverage) ratio | 7.9103% | 6,368 |
| Tier 1 risk-based capital ratio | 14.3399% | 3,473 |
| Total risk-based capital ratio | 15.6074% | 3,424 |
| Memoranda: | ||
| Average total assets | $107,456,500 | 4,944 |
| Average earning assets | $101,416,500 | 4,838 |
| Average equity | $8,491,000 | 5,690 |
| Average total loans | $81,649,500 | 4,452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 5,778 |
| Cost of funding earning assets | 2.5237% | 967 |
| Net interest margin | 2.6480% | 7,282 |
| Noninterest income to average assets | 0.2619% | 6,242 |
| Noninterest expense to average assets | 2.0655% | 7,253 |
| Loan and lease loss provision to assets | 2.6765% | 710 |
| Net operating income to assets | -1.1376% | 6,673 |
| Return on assets (ROA) | -1.1376% | 6,677 |
| Pretax return on assets | -1.9545% | 6,928 |
| Return on Equity (ROE) | -12.9286% | 6,823 |
| Retained earnings to average equity (ytd only) | -12.9286% | 6,748 |
| Net charge-offs to loans | 2.2426% | 1,053 |
| Credit loss provision to net charge-offs | 152.2396% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.4107% | 5,702 |
| Efficiency ratio | 74.0980% | 3,877 |
| Assets per employee ($millions) | 6.0230% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 2,509 |
| Loan loss allowance to noncurrent loans | 21.7031% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 6.4770% | 850 |
| Noncurrent loans to loans | 8.3390% | 581 |
| Net loans and leases to total assets | 74.6149% | 2,114 |
| Net loans and leases to deposits | 90.7289% | 2,092 |
| Net loans and leases to core deposits | 136.8817% | 919 |
| Total domestic deposits to total assets | 82.2394% | 4,843 |
| Equity capital to assets | 7.8173% | 6,749 |
| Core capital (leverage) ratio | 8.1202% | 5,957 |
| Tier 1 risk-based capital ratio | 14.3260% | 3,302 |
| Total risk-based capital ratio | 15.5919% | 3,243 |
| Memoranda: | ||
| Average total assets | $105,398,400 | 4,946 |
| Average earning assets | $100,527,400 | 4,833 |
| Average equity | $9,274,000 | 5,521 |
| Average total loans | $82,626,400 | 4,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2891% | 5,492 |
| Cost of funding earning assets | 2.6119% | 1,002 |
| Net interest margin | 2.6772% | 7,249 |
| Noninterest income to average assets | 0.2612% | 6,362 |
| Noninterest expense to average assets | 2.0144% | 7,355 |
| Loan and lease loss provision to assets | 1.9239% | 955 |
| Net operating income to assets | -0.6014% | 6,527 |
| Return on assets (ROA) | -0.6014% | 6,524 |
| Pretax return on assets | -1.1161% | 6,770 |
| Return on Equity (ROE) | -6.6428% | 6,627 |
| Retained earnings to average equity (ytd only) | -6.6428% | 6,467 |
| Net charge-offs to loans | 1.1771% | 1,724 |
| Credit loss provision to net charge-offs | 206.8493% | 2,142 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 5,188 |
| Efficiency ratio | 71.3770% | 4,353 |
| Assets per employee ($millions) | 5.6688% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,159 |
| Loan loss allowance to noncurrent loans | 22.3614% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 5.6412% | 995 |
| Noncurrent loans to loans | 6.9776% | 773 |
| Net loans and leases to total assets | 76.3239% | 1,927 |
| Net loans and leases to deposits | 93.3227% | 1,994 |
| Net loans and leases to core deposits | 136.1494% | 1,089 |
| Total domestic deposits to total assets | 81.7850% | 4,775 |
| Equity capital to assets | 8.5648% | 6,161 |
| Core capital (leverage) ratio | 8.5324% | 5,430 |
| Tier 1 risk-based capital ratio | 15.3268% | 2,904 |
| Total risk-based capital ratio | 16.5880% | 2,838 |
| Memoranda: | ||
| Average total assets | $104,644,500 | 5,001 |
| Average earning assets | $100,102,750 | 4,862 |
| Average equity | $9,473,750 | 5,498 |
| Average total loans | $82,687,000 | 4,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 5,489 |
| Cost of funding earning assets | 2.6682% | 1,116 |
| Net interest margin | 2.6642% | 7,277 |
| Noninterest income to average assets | 0.2702% | 6,336 |
| Noninterest expense to average assets | 2.1115% | 7,251 |
| Loan and lease loss provision to assets | 2.8179% | 538 |
| Net operating income to assets | -1.1735% | 7,098 |
| Return on assets (ROA) | -1.1735% | 7,106 |
| Pretax return on assets | -2.1076% | 7,318 |
| Return on Equity (ROE) | -12.7241% | 7,212 |
| Retained earnings to average equity (ytd only) | -12.7241% | 7,098 |
| Net charge-offs to loans | 1.4998% | 1,264 |
| Credit loss provision to net charge-offs | 236.2460% | 1,965 |
| Earnings coverage of net charge-offs (x) | 0.5955% | 5,117 |
| Efficiency ratio | 74.8290% | 3,901 |
| Assets per employee ($millions) | 5.6282% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 2,545 |
| Loan loss allowance to noncurrent loans | 28.5984% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 4.6832% | 1,184 |
| Noncurrent loans to loans | 5.7548% | 972 |
| Net loans and leases to total assets | 76.2830% | 2,115 |
| Net loans and leases to deposits | 93.3053% | 2,212 |
| Net loans and leases to core deposits | 136.9840% | 1,159 |
| Total domestic deposits to total assets | 81.7564% | 4,793 |
| Equity capital to assets | 8.5453% | 5,982 |
| Core capital (leverage) ratio | 8.4936% | 5,462 |
| Tier 1 risk-based capital ratio | 15.2841% | 2,888 |
| Total risk-based capital ratio | 16.5468% | 2,826 |
| Memoranda: | ||
| Average total assets | $103,623,330 | 5,056 |
| Average earning assets | $99,242,330 | 4,914 |
| Average equity | $9,556,670 | 5,497 |
| Average total loans | $82,412,670 | 4,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 5,353 |
| Cost of funding earning assets | 2.7065% | 1,255 |
| Net interest margin | 2.7065% | 7,188 |
| Noninterest income to average assets | 0.3099% | 5,965 |
| Noninterest expense to average assets | 2.1536% | 7,001 |
| Loan and lease loss provision to assets | 0.3452% | 3,252 |
| Net operating income to assets | 0.2746% | 5,389 |
| Return on assets (ROA) | 0.2746% | 5,559 |
| Pretax return on assets | 0.4119% | 5,361 |
| Return on Equity (ROE) | 2.8671% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.8671% | 4,275 |
| Net charge-offs to loans | 0.3311% | 2,776 |
| Credit loss provision to net charge-offs | 129.4118% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.8382% | 3,359 |
| Efficiency ratio | 73.9892% | 3,826 |
| Assets per employee ($millions) | 5.4865% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 7,551 |
| Loan loss allowance to noncurrent loans | 12.1016% | 7,481 |
| Noncurrent assets plus other real estate owned to assets | 4.3043% | 1,150 |
| Noncurrent loans to loans | 5.4416% | 954 |
| Net loans and leases to total assets | 78.5801% | 1,672 |
| Net loans and leases to deposits | 98.2984% | 1,622 |
| Net loans and leases to core deposits | 138.2625% | 1,190 |
| Total domestic deposits to total assets | 79.9403% | 5,395 |
| Equity capital to assets | 9.4087% | 4,800 |
| Core capital (leverage) ratio | 9.6529% | 3,816 |
| Tier 1 risk-based capital ratio | 16.7036% | 2,446 |
| Total risk-based capital ratio | 17.6299% | 2,504 |
| Memoranda: | ||
| Average total assets | $101,967,000 | 5,125 |
| Average earning assets | $97,985,000 | 4,971 |
| Average equity | $9,766,000 | 5,459 |
| Average total loans | $82,149,500 | 4,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 6,569 |
| Cost of funding earning assets | 3.1286% | 1,423 |
| Net interest margin | 2.6284% | 7,608 |
| Noninterest income to average assets | 0.2089% | 6,950 |
| Noninterest expense to average assets | 1.8829% | 7,644 |
| Loan and lease loss provision to assets | 0.4975% | 2,824 |
| Net operating income to assets | 0.1989% | 5,849 |
| Return on assets (ROA) | 0.1362% | 5,845 |
| Pretax return on assets | 0.2492% | 5,628 |
| Return on Equity (ROE) | 1.4028% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.4028% | 4,374 |
| Net charge-offs to loans | 0.4688% | 2,486 |
| Credit loss provision to net charge-offs | 129.0576% | 4,129 |
| Earnings coverage of net charge-offs (x) | 2.1911% | 4,978 |
| Efficiency ratio | 69.0344% | 4,525 |
| Assets per employee ($millions) | 5.2468% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 7,581 |
| Loan loss allowance to noncurrent loans | 11.9026% | 7,478 |
| Noncurrent assets plus other real estate owned to assets | 4.4177% | 866 |
| Noncurrent loans to loans | 5.3689% | 781 |
| Net loans and leases to total assets | 81.5709% | 1,308 |
| Net loans and leases to deposits | 102.9955% | 1,469 |
| Net loans and leases to core deposits | 136.8138% | 1,448 |
| Total domestic deposits to total assets | 79.1985% | 5,298 |
| Equity capital to assets | 9.7542% | 4,360 |
| Core capital (leverage) ratio | 9.7110% | 3,750 |
| Tier 1 risk-based capital ratio | 16.5806% | 2,457 |
| Total risk-based capital ratio | 17.4717% | 2,513 |
| Memoranda: | ||
| Average total assets | $99,103,200 | 5,082 |
| Average earning assets | $94,963,600 | 4,948 |
| Average equity | $9,623,400 | 5,529 |
| Average total loans | $81,480,200 | 4,477 |