Home > Hampshire First Bank > Performance and Condition Ratios
Hampshire First 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 | 4.9926% | 1,914 |
| Cost of funding earning assets | 1.3637% | 482 |
| Net interest margin | 3.6289% | 4,132 |
| Noninterest income to average assets | 0.2992% | 5,483 |
| Noninterest expense to average assets | 2.2031% | 6,040 |
| Loan and lease loss provision to assets | 0.1467% | 3,528 |
| Net operating income to assets | 0.8962% | 2,938 |
| Return on assets (ROA) | 0.8962% | 3,155 |
| Pretax return on assets | 1.4272% | 2,097 |
| Return on Equity (ROE) | 8.2867% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.2867% | 1,865 |
| Net charge-offs to loans | 0.0105% | 4,575 |
| Credit loss provision to net charge-offs | 1,666.6667% | 198 |
| Earnings coverage of net charge-offs (x) | 178.8333% | 204 |
| Efficiency ratio | 58.1748% | 5,890 |
| Assets per employee ($millions) | 7.3455% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 4,413 |
| Loan loss allowance to noncurrent loans | 78.0884% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 3,401 |
| Noncurrent loans to loans | 1.8453% | 3,350 |
| Net loans and leases to total assets | 82.2436% | 267 |
| Net loans and leases to deposits | 100.3412% | 358 |
| Net loans and leases to core deposits | 136.7326% | 160 |
| Total domestic deposits to total assets | 81.9640% | 5,310 |
| Equity capital to assets | 10.9650% | 2,943 |
| Core capital (leverage) ratio | 10.8388% | 2,400 |
| Tier 1 risk-based capital ratio | 13.0431% | 5,185 |
| Total risk-based capital ratio | 14.2953% | 5,146 |
| Memoranda: | ||
| Average total assets | $272,705,500 | 2,364 |
| Average earning assets | $261,347,000 | 2,267 |
| Average equity | $29,493,000 | 2,294 |
| Average total loans | $228,743,000 | 1,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 2,314 |
| Cost of funding earning assets | 1.5122% | 678 |
| Net interest margin | 3.6214% | 4,647 |
| Noninterest income to average assets | 0.2099% | 6,018 |
| Noninterest expense to average assets | 2.3533% | 5,900 |
| Loan and lease loss provision to assets | 0.2770% | 3,451 |
| Net operating income to assets | 0.5980% | 4,006 |
| Return on assets (ROA) | 0.6046% | 4,163 |
| Pretax return on assets | 1.0830% | 2,902 |
| Return on Equity (ROE) | 5.5597% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.5597% | 2,265 |
| Net charge-offs to loans | 0.0995% | 5,354 |
| Credit loss provision to net charge-offs | 331.1927% | 706 |
| Earnings coverage of net charge-offs (x) | 16.1376% | 1,352 |
| Efficiency ratio | 63.4065% | 5,230 |
| Assets per employee ($millions) | 6.0806% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 4,579 |
| Loan loss allowance to noncurrent loans | 65.6056% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8620% | 3,167 |
| Noncurrent loans to loans | 2.0972% | 3,070 |
| Net loans and leases to total assets | 83.1493% | 267 |
| Net loans and leases to deposits | 100.8470% | 420 |
| Net loans and leases to core deposits | 138.9183% | 176 |
| Total domestic deposits to total assets | 82.4509% | 4,985 |
| Equity capital to assets | 10.6660% | 3,348 |
| Core capital (leverage) ratio | 10.4192% | 2,825 |
| Tier 1 risk-based capital ratio | 12.7317% | 5,286 |
| Total risk-based capital ratio | 13.9835% | 5,259 |
| Memoranda: | ||
| Average total assets | $260,653,800 | 2,422 |
| Average earning assets | $251,424,600 | 2,292 |
| Average equity | $28,347,000 | 2,308 |
| Average total loans | $219,071,800 | 1,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 2,543 |
| Cost of funding earning assets | 1.5177% | 803 |
| Net interest margin | 3.5950% | 4,794 |
| Noninterest income to average assets | 0.1808% | 6,298 |
| Noninterest expense to average assets | 2.2003% | 6,278 |
| Loan and lease loss provision to assets | 0.2807% | 3,276 |
| Net operating income to assets | 0.7100% | 3,560 |
| Return on assets (ROA) | 0.7189% | 3,684 |
| Pretax return on assets | 1.1872% | 2,675 |
| Return on Equity (ROE) | 6.5771% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.5771% | 2,209 |
| Net charge-offs to loans | 0.1345% | 4,709 |
| Credit loss provision to net charge-offs | 248.6239% | 1,155 |
| Earnings coverage of net charge-offs (x) | 12.8761% | 1,664 |
| Efficiency ratio | 60.0567% | 5,711 |
| Assets per employee ($millions) | 5.2493% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,904 |
| Loan loss allowance to noncurrent loans | 61.6430% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 3,303 |
| Noncurrent loans to loans | 2.1451% | 3,192 |
| Net loans and leases to total assets | 81.8534% | 369 |
| Net loans and leases to deposits | 99.3495% | 498 |
| Net loans and leases to core deposits | 134.4577% | 206 |
| Total domestic deposits to total assets | 82.3893% | 4,933 |
| Equity capital to assets | 10.6900% | 3,476 |
| Core capital (leverage) ratio | 10.5525% | 2,805 |
| Tier 1 risk-based capital ratio | 12.7530% | 5,291 |
| Total risk-based capital ratio | 14.0031% | 5,271 |
| Memoranda: | ||
| Average total assets | $257,410,500 | 2,459 |
| Average earning assets | $248,710,000 | 2,331 |
| Average equity | $28,137,500 | 2,324 |
| Average total loans | $216,166,500 | 1,915 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 2,693 |
| Cost of funding earning assets | 1.5202% | 936 |
| Net interest margin | 3.5779% | 4,797 |
| Noninterest income to average assets | 0.1641% | 6,480 |
| Noninterest expense to average assets | 2.2638% | 6,215 |
| Loan and lease loss provision to assets | 0.3108% | 2,928 |
| Net operating income to assets | 0.6375% | 3,874 |
| Return on assets (ROA) | 0.6375% | 3,999 |
| Pretax return on assets | 1.0514% | 3,037 |
| Return on Equity (ROE) | 5.7863% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.7863% | 2,548 |
| Net charge-offs to loans | -0.0009% | 6,518 |
| Credit loss provision to net charge-offs | -39,200.0000% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2786% | 5,548 |
| Assets per employee ($millions) | 5.3251% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,687 |
| Loan loss allowance to noncurrent loans | 59.7192% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.9832% | 3,257 |
| Noncurrent loans to loans | 2.3082% | 3,089 |
| Net loans and leases to total assets | 80.6908% | 478 |
| Net loans and leases to deposits | 97.4246% | 624 |
| Net loans and leases to core deposits | 132.2620% | 249 |
| Total domestic deposits to total assets | 82.8239% | 4,838 |
| Equity capital to assets | 10.4775% | 3,537 |
| Core capital (leverage) ratio | 10.5905% | 2,623 |
| Tier 1 risk-based capital ratio | 12.6551% | 5,216 |
| Total risk-based capital ratio | 13.9067% | 5,186 |
| Memoranda: | ||
| Average total assets | $252,225,670 | 2,522 |
| Average earning assets | $244,052,330 | 2,377 |
| Average equity | $27,790,000 | 2,331 |
| Average total loans | $212,747,000 | 1,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 2,350 |
| Cost of funding earning assets | 1.5170% | 1,102 |
| Net interest margin | 3.6537% | 4,309 |
| Noninterest income to average assets | 0.1435% | 6,694 |
| Noninterest expense to average assets | 2.3187% | 6,142 |
| Loan and lease loss provision to assets | 0.3463% | 2,488 |
| Net operating income to assets | 0.6168% | 3,953 |
| Return on assets (ROA) | 0.6168% | 4,019 |
| Pretax return on assets | 1.0175% | 3,070 |
| Return on Equity (ROE) | 5.4484% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.4484% | 2,937 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7855% | 5,557 |
| Assets per employee ($millions) | 5.3113% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,814 |
| Loan loss allowance to noncurrent loans | 55.2147% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 3,075 |
| Noncurrent loans to loans | 2.4784% | 3,015 |
| Net loans and leases to total assets | 83.1531% | 263 |
| Net loans and leases to deposits | 103.0962% | 341 |
| Net loans and leases to core deposits | 135.9167% | 223 |
| Total domestic deposits to total assets | 80.6558% | 5,767 |
| Equity capital to assets | 11.0928% | 2,598 |
| Core capital (leverage) ratio | 11.3306% | 1,938 |
| Tier 1 risk-based capital ratio | 13.0102% | 4,819 |
| Total risk-based capital ratio | 14.2617% | 4,803 |
| Memoranda: | ||
| Average total assets | $242,548,000 | 2,641 |
| Average earning assets | $234,940,500 | 2,495 |
| Average equity | $27,457,500 | 2,340 |
| Average total loans | $208,018,500 | 2,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 2,821 |
| Cost of funding earning assets | 1.6642% | 1,756 |
| Net interest margin | 3.7031% | 4,329 |
| Noninterest income to average assets | 0.2315% | 6,147 |
| Noninterest expense to average assets | 2.3772% | 6,148 |
| Loan and lease loss provision to assets | 0.5509% | 2,934 |
| Net operating income to assets | 0.5382% | 3,935 |
| Return on assets (ROA) | 0.5382% | 4,083 |
| Pretax return on assets | 0.8823% | 3,369 |
| Return on Equity (ROE) | 4.0777% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.0777% | 3,006 |
| Net charge-offs to loans | 0.0983% | 5,872 |
| Credit loss provision to net charge-offs | 663.7427% | 318 |
| Earnings coverage of net charge-offs (x) | 17.2690% | 1,163 |
| Efficiency ratio | 62.2086% | 5,695 |
| Assets per employee ($millions) | 6.0376% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 5,009 |
| Loan loss allowance to noncurrent loans | 118.8780% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 5,104 |
| Noncurrent loans to loans | 1.0925% | 4,912 |
| Net loans and leases to total assets | 86.1746% | 179 |
| Net loans and leases to deposits | 107.3331% | 284 |
| Net loans and leases to core deposits | 139.0945% | 234 |
| Total domestic deposits to total assets | 80.2871% | 5,757 |
| Equity capital to assets | 11.5618% | 2,208 |
| Core capital (leverage) ratio | 11.9538% | 1,581 |
| Tier 1 risk-based capital ratio | 12.9751% | 4,616 |
| Total risk-based capital ratio | 14.2299% | 4,583 |
| Memoranda: | ||
| Average total assets | $206,043,600 | 3,031 |
| Average earning assets | $199,131,800 | 2,889 |
| Average equity | $27,196,800 | 2,362 |
| Average total loans | $173,884,800 | 2,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 3,027 |
| Cost of funding earning assets | 1.7116% | 1,810 |
| Net interest margin | 3.6596% | 4,597 |
| Noninterest income to average assets | 0.2469% | 6,130 |
| Noninterest expense to average assets | 2.4319% | 5,935 |
| Loan and lease loss provision to assets | 0.4744% | 3,101 |
| Net operating income to assets | 0.5389% | 4,141 |
| Return on assets (ROA) | 0.5389% | 4,309 |
| Pretax return on assets | 0.8744% | 3,647 |
| Return on Equity (ROE) | 3.9376% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.9376% | 3,701 |
| Net charge-offs to loans | 0.1109% | 5,429 |
| Credit loss provision to net charge-offs | 512.3188% | 572 |
| Earnings coverage of net charge-offs (x) | 14.5648% | 1,504 |
| Efficiency ratio | 64.1285% | 5,218 |
| Assets per employee ($millions) | 5.1081% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,386 |
| Loan loss allowance to noncurrent loans | 103.5503% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 5,087 |
| Noncurrent loans to loans | 1.1789% | 4,890 |
| Net loans and leases to total assets | 83.8115% | 343 |
| Net loans and leases to deposits | 106.4140% | 346 |
| Net loans and leases to core deposits | 129.8086% | 379 |
| Total domestic deposits to total assets | 78.7598% | 6,075 |
| Equity capital to assets | 12.2695% | 1,997 |
| Core capital (leverage) ratio | 12.6922% | 1,337 |
| Tier 1 risk-based capital ratio | 13.6742% | 4,070 |
| Total risk-based capital ratio | 14.8467% | 4,074 |
| Memoranda: | ||
| Average total assets | $198,688,250 | 3,158 |
| Average earning assets | $191,857,500 | 3,012 |
| Average equity | $27,190,000 | 2,394 |
| Average total loans | $165,960,750 | 2,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 3,215 |
| Cost of funding earning assets | 1.7461% | 1,887 |
| Net interest margin | 3.6035% | 4,796 |
| Noninterest income to average assets | 0.0960% | 7,113 |
| Noninterest expense to average assets | 2.4851% | 5,766 |
| Loan and lease loss provision to assets | 0.3652% | 3,517 |
| Net operating income to assets | 0.4590% | 4,511 |
| Return on assets (ROA) | 0.4590% | 4,671 |
| Pretax return on assets | 0.7272% | 4,148 |
| Return on Equity (ROE) | 3.2270% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.2270% | 4,052 |
| Net charge-offs to loans | 0.1734% | 4,574 |
| Credit loss provision to net charge-offs | 253.6232% | 1,506 |
| Earnings coverage of net charge-offs (x) | 7.5870% | 2,276 |
| Efficiency ratio | 69.2622% | 4,322 |
| Assets per employee ($millions) | 5.3038% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,728 |
| Loan loss allowance to noncurrent loans | 111.8298% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 5,411 |
| Noncurrent loans to loans | 1.0216% | 5,266 |
| Net loans and leases to total assets | 82.3866% | 498 |
| Net loans and leases to deposits | 103.9347% | 486 |
| Net loans and leases to core deposits | 120.9173% | 668 |
| Total domestic deposits to total assets | 79.2677% | 5,950 |
| Equity capital to assets | 13.1554% | 1,496 |
| Core capital (leverage) ratio | 13.2731% | 1,120 |
| Tier 1 risk-based capital ratio | 14.9350% | 3,186 |
| Total risk-based capital ratio | 16.0325% | 3,242 |
| Memoranda: | ||
| Average total assets | $191,701,000 | 3,282 |
| Average earning assets | $185,209,000 | 3,131 |
| Average equity | $27,270,000 | 2,393 |
| Average total loans | $159,158,670 | 2,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 3,982 |
| Cost of funding earning assets | 1.7421% | 2,174 |
| Net interest margin | 3.4643% | 5,314 |
| Noninterest income to average assets | 0.1028% | 7,191 |
| Noninterest expense to average assets | 2.5313% | 5,612 |
| Loan and lease loss provision to assets | 0.3212% | 3,492 |
| Net operating income to assets | 0.3726% | 4,965 |
| Return on assets (ROA) | 0.3726% | 5,088 |
| Pretax return on assets | 0.5932% | 4,632 |
| Return on Equity (ROE) | 2.5174% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.5174% | 4,623 |
| Net charge-offs to loans | 0.0258% | 5,208 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 42.7000% | 649 |
| Efficiency ratio | 73.2132% | 3,722 |
| Assets per employee ($millions) | 5.3028% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,692 |
| Loan loss allowance to noncurrent loans | 33.1776% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9146% | 2,459 |
| Noncurrent loans to loans | 3.5075% | 2,270 |
| Net loans and leases to total assets | 82.1299% | 580 |
| Net loans and leases to deposits | 106.9934% | 384 |
| Net loans and leases to core deposits | 120.8435% | 753 |
| Total domestic deposits to total assets | 76.7617% | 6,607 |
| Equity capital to assets | 14.5589% | 983 |
| Core capital (leverage) ratio | 14.8921% | 770 |
| Tier 1 risk-based capital ratio | 16.9712% | 2,279 |
| Total risk-based capital ratio | 18.1136% | 2,271 |
| Memoranda: | ||
| Average total assets | $186,779,000 | 3,405 |
| Average earning assets | $180,238,000 | 3,248 |
| Average equity | $27,648,000 | 2,396 |
| Average total loans | $154,755,500 | 2,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 3,867 |
| Cost of funding earning assets | 2.0393% | 2,775 |
| Net interest margin | 3.5115% | 4,905 |
| Noninterest income to average assets | 0.0698% | 7,402 |
| Noninterest expense to average assets | 2.6304% | 5,669 |
| Loan and lease loss provision to assets | 0.5602% | 3,575 |
| Net operating income to assets | 0.9862% | 1,884 |
| Return on assets (ROA) | 0.9776% | 1,968 |
| Pretax return on assets | 0.2406% | 4,912 |
| Return on Equity (ROE) | 5.5713% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.5713% | 1,544 |
| Net charge-offs to loans | 0.0583% | 6,509 |
| Credit loss provision to net charge-offs | 1,204.2857% | 254 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,191 |
| Efficiency ratio | 76.4297% | 3,453 |
| Assets per employee ($millions) | 5.3723% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,747 |
| Loan loss allowance to noncurrent loans | 36.0905% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 2.5879% | 2,708 |
| Noncurrent loans to loans | 3.1330% | 2,444 |
| Net loans and leases to total assets | 81.6679% | 741 |
| Net loans and leases to deposits | 106.8490% | 510 |
| Net loans and leases to core deposits | 141.9816% | 734 |
| Total domestic deposits to total assets | 76.4330% | 6,599 |
| Equity capital to assets | 15.0571% | 894 |
| Core capital (leverage) ratio | 15.3193% | 718 |
| Tier 1 risk-based capital ratio | 17.3544% | 2,065 |
| Total risk-based capital ratio | 18.4452% | 2,058 |
| Memoranda: | ||
| Average total assets | $150,471,600 | 3,951 |
| Average earning assets | $144,412,400 | 3,807 |
| Average equity | $26,403,200 | 2,497 |
| Average total loans | $120,082,400 | 3,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5063% | 4,389 |
| Cost of funding earning assets | 2.0941% | 2,915 |
| Net interest margin | 3.4122% | 5,206 |
| Noninterest income to average assets | 0.0524% | 7,640 |
| Noninterest expense to average assets | 2.6624% | 5,482 |
| Loan and lease loss provision to assets | 0.4147% | 3,833 |
| Net operating income to assets | 0.2443% | 5,013 |
| Return on assets (ROA) | 0.2443% | 5,093 |
| Pretax return on assets | 0.2443% | 5,202 |
| Return on Equity (ROE) | 1.3319% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.3319% | 4,576 |
| Net charge-offs to loans | 0.0830% | 5,850 |
| Credit loss provision to net charge-offs | 632.8571% | 596 |
| Earnings coverage of net charge-offs (x) | 10.0572% | 2,017 |
| Efficiency ratio | 80.1578% | 2,816 |
| Assets per employee ($millions) | 5.6277% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 6,565 |
| Loan loss allowance to noncurrent loans | 108.7427% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,706 |
| Noncurrent loans to loans | 0.8708% | 5,549 |
| Net loans and leases to total assets | 80.9170% | 998 |
| Net loans and leases to deposits | 107.1155% | 600 |
| Net loans and leases to core deposits | 136.2492% | 1,085 |
| Total domestic deposits to total assets | 75.5418% | 6,669 |
| Equity capital to assets | 15.7779% | 829 |
| Core capital (leverage) ratio | 16.8561% | 571 |
| Tier 1 risk-based capital ratio | 18.0313% | 1,980 |
| Total risk-based capital ratio | 18.9321% | 2,026 |
| Memoranda: | ||
| Average total assets | $142,425,000 | 4,086 |
| Average earning assets | $136,446,250 | 3,995 |
| Average equity | $26,128,250 | 2,548 |
| Average total loans | $112,383,250 | 3,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 4,675 |
| Cost of funding earning assets | 2.1496% | 3,048 |
| Net interest margin | 3.3430% | 5,393 |
| Noninterest income to average assets | 0.0419% | 7,778 |
| Noninterest expense to average assets | 2.8708% | 4,629 |
| Loan and lease loss provision to assets | 0.4385% | 3,360 |
| Net operating income to assets | -0.0599% | 5,940 |
| Return on assets (ROA) | -0.0599% | 6,004 |
| Pretax return on assets | -0.0599% | 5,949 |
| Return on Equity (ROE) | -0.3082% | 5,969 |
| Retained earnings to average equity (ytd only) | -0.3082% | 5,301 |
| Net charge-offs to loans | 0.1348% | 4,816 |
| Credit loss provision to net charge-offs | 418.5714% | 1,105 |
| Earnings coverage of net charge-offs (x) | 3.6143% | 3,373 |
| Efficiency ratio | 88.3464% | 1,968 |
| Assets per employee ($millions) | 5.4479% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,480 |
| Loan loss allowance to noncurrent loans | 75.1137% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 4,877 |
| Noncurrent loans to loans | 1.2828% | 4,635 |
| Net loans and leases to total assets | 80.7746% | 1,175 |
| Net loans and leases to deposits | 114.2191% | 390 |
| Net loans and leases to core deposits | 134.6552% | 1,280 |
| Total domestic deposits to total assets | 70.7190% | 7,403 |
| Equity capital to assets | 17.7093% | 578 |
| Core capital (leverage) ratio | 18.6839% | 442 |
| Tier 1 risk-based capital ratio | 20.1664% | 1,546 |
| Total risk-based capital ratio | 21.0705% | 1,568 |
| Memoranda: | ||
| Average total assets | $133,623,000 | 4,315 |
| Average earning assets | $128,208,000 | 4,182 |
| Average equity | $25,958,330 | 2,560 |
| Average total loans | $103,871,330 | 3,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 5,147 |
| Cost of funding earning assets | 2.2213% | 3,052 |
| Net interest margin | 3.2340% | 5,742 |
| Noninterest income to average assets | 0.0347% | 7,902 |
| Noninterest expense to average assets | 2.8214% | 4,473 |
| Loan and lease loss provision to assets | 0.5769% | 2,180 |
| Net operating income to assets | -0.2427% | 6,609 |
| Return on assets (ROA) | -0.2427% | 6,685 |
| Pretax return on assets | -0.2427% | 6,615 |
| Return on Equity (ROE) | -1.1886% | 6,571 |
| Retained earnings to average equity (ytd only) | -1.1886% | 5,931 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4106% | 1,769 |
| Assets per employee ($millions) | 4.9077% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,589 |
| Loan loss allowance to noncurrent loans | 78.0966% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,532 |
| Noncurrent loans to loans | 1.3873% | 4,232 |
| Net loans and leases to total assets | 76.8944% | 2,066 |
| Net loans and leases to deposits | 111.0370% | 565 |
| Net loans and leases to core deposits | 129.1472% | 1,709 |
| Total domestic deposits to total assets | 69.2511% | 7,490 |
| Equity capital to assets | 19.5677% | 442 |
| Core capital (leverage) ratio | 19.9967% | 397 |
| Tier 1 risk-based capital ratio | 22.6863% | 1,224 |
| Total risk-based capital ratio | 23.6717% | 1,225 |
| Memoranda: | ||
| Average total assets | $126,888,500 | 4,469 |
| Average earning assets | $122,448,500 | 4,319 |
| Average equity | $25,913,000 | 2,577 |
| Average total loans | $95,822,500 | 4,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 6,766 |
| Cost of funding earning assets | 2.1652% | 5,757 |
| Net interest margin | 3.5391% | 5,148 |
| Noninterest income to average assets | 0.0383% | 7,943 |
| Noninterest expense to average assets | 3.8667% | 1,627 |
| Loan and lease loss provision to assets | 0.7056% | 2,088 |
| Net operating income to assets | -1.1330% | 7,310 |
| Return on assets (ROA) | -1.1330% | 7,250 |
| Pretax return on assets | -1.1330% | 7,079 |
| Return on Equity (ROE) | -3.9443% | 6,737 |
| Retained earnings to average equity (ytd only) | -3.9443% | 6,314 |
| Net charge-offs to loans | 0.1085% | 5,197 |
| Credit loss provision to net charge-offs | 1,006.2500% | 439 |
| Earnings coverage of net charge-offs (x) | -6.0938% | 6,855 |
| Efficiency ratio | 112.4243% | 665 |
| Assets per employee ($millions) | 4.6642% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 5,603 |
| Loan loss allowance to noncurrent loans | 64.7018% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 3,875 |
| Noncurrent loans to loans | 1.6269% | 3,328 |
| Net loans and leases to total assets | 72.3225% | 3,515 |
| Net loans and leases to deposits | 108.5741% | 934 |
| Net loans and leases to core deposits | 132.7481% | 1,673 |
| Total domestic deposits to total assets | 66.6111% | 7,610 |
| Equity capital to assets | 21.3552% | 384 |
| Core capital (leverage) ratio | 21.7853% | 345 |
| Tier 1 risk-based capital ratio | 25.9249% | 910 |
| Total risk-based capital ratio | 26.8987% | 907 |
| Memoranda: | ||
| Average total assets | $91,266,000 | 5,309 |
| Average earning assets | $87,705,800 | 5,161 |
| Average equity | $26,215,000 | 2,536 |
| Average total loans | $58,983,400 | 5,317 |