Home > Home Savings Bank of Albemarle, SSB > Performance and Condition Ratios
Home Savings Bank of Albemarle, SSB, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,285 |
| Cost of funding earning assets | 0.8431% | 601 |
| Net interest margin | 3.5204% | 3,599 |
| Noninterest income to average assets | 0.1666% | 5,980 |
| Noninterest expense to average assets | 9.9784% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -4.4256% | 6,704 |
| Return on assets (ROA) | -4.3191% | 6,702 |
| Pretax return on assets | -6.6072% | 6,716 |
| Return on Equity (ROE) | -49.6707% | 6,691 |
| Retained earnings to average equity (ytd only) | -49.6707% | 6,670 |
| Net charge-offs to loans | -0.0352% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 311.0614% | 13 |
| Assets per employee ($millions) | 5.6691% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 1,967 |
| Loan loss allowance to noncurrent loans | 102.2767% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 5.6904% | 322 |
| Noncurrent loans to loans | 1.7850% | 2,160 |
| Net loans and leases to total assets | 67.8328% | 2,250 |
| Net loans and leases to deposits | 79.4922% | 2,370 |
| Net loans and leases to core deposits | 89.7743% | 1,930 |
| Total domestic deposits to total assets | 85.3326% | 3,705 |
| Equity capital to assets | 8.4234% | 5,723 |
| Core capital (leverage) ratio | 8.4025% | 5,744 |
| Tier 1 risk-based capital ratio | 12.5587% | 5,279 |
| Total risk-based capital ratio | 13.8138% | 5,214 |
| Memoranda: | ||
| Average total assets | $278,482,500 | 2,310 |
| Average earning assets | $240,542,000 | 2,435 |
| Average equity | $24,215,500 | 2,729 |
| Average total loans | $193,393,500 | 2,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 3,034 |
| Cost of funding earning assets | 0.9541% | 566 |
| Net interest margin | 3.3268% | 4,572 |
| Noninterest income to average assets | 0.1720% | 6,054 |
| Noninterest expense to average assets | 2.7412% | 3,942 |
| Loan and lease loss provision to assets | 0.0846% | 3,422 |
| Net operating income to assets | 0.1615% | 5,917 |
| Return on assets (ROA) | 0.1728% | 5,954 |
| Pretax return on assets | 0.2818% | 5,776 |
| Return on Equity (ROE) | 1.9282% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.9282% | 4,863 |
| Net charge-offs to loans | 0.2475% | 2,488 |
| Credit loss provision to net charge-offs | 48.2546% | 3,854 |
| Earnings coverage of net charge-offs (x) | 1.9897% | 4,384 |
| Efficiency ratio | 88.6779% | 1,150 |
| Assets per employee ($millions) | 5.6975% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7896% | 2,092 |
| Loan loss allowance to noncurrent loans | 102.3782% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 5.6175% | 368 |
| Noncurrent loans to loans | 1.7480% | 2,307 |
| Net loans and leases to total assets | 68.5460% | 2,250 |
| Net loans and leases to deposits | 81.3735% | 2,267 |
| Net loans and leases to core deposits | 91.4533% | 1,850 |
| Total domestic deposits to total assets | 84.2363% | 4,080 |
| Equity capital to assets | 8.9663% | 5,079 |
| Core capital (leverage) ratio | 9.5242% | 4,230 |
| Tier 1 risk-based capital ratio | 13.9623% | 4,318 |
| Total risk-based capital ratio | 15.2202% | 4,253 |
| Memoranda: | ||
| Average total assets | $277,832,400 | 2,287 |
| Average earning assets | $243,686,800 | 2,393 |
| Average equity | $24,893,600 | 2,637 |
| Average total loans | $196,766,200 | 2,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 3,028 |
| Cost of funding earning assets | 0.9678% | 581 |
| Net interest margin | 3.3247% | 4,550 |
| Noninterest income to average assets | 0.1273% | 6,385 |
| Noninterest expense to average assets | 2.6541% | 4,184 |
| Loan and lease loss provision to assets | 0.0985% | 3,116 |
| Net operating income to assets | 0.1859% | 5,945 |
| Return on assets (ROA) | 0.1859% | 6,017 |
| Pretax return on assets | 0.3027% | 5,869 |
| Return on Equity (ROE) | 2.0757% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.0757% | 5,086 |
| Net charge-offs to loans | 0.2014% | 2,624 |
| Credit loss provision to net charge-offs | 68.7919% | 3,092 |
| Earnings coverage of net charge-offs (x) | 2.8020% | 3,903 |
| Efficiency ratio | 86.8218% | 1,282 |
| Assets per employee ($millions) | 5.5933% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8646% | 2,102 |
| Loan loss allowance to noncurrent loans | 43.2282% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 5.8988% | 415 |
| Noncurrent loans to loans | 4.3133% | 779 |
| Net loans and leases to total assets | 69.9972% | 1,971 |
| Net loans and leases to deposits | 80.5666% | 2,330 |
| Net loans and leases to core deposits | 92.3605% | 1,740 |
| Total domestic deposits to total assets | 86.8811% | 2,755 |
| Equity capital to assets | 9.1133% | 5,036 |
| Core capital (leverage) ratio | 9.5706% | 4,294 |
| Tier 1 risk-based capital ratio | 14.0025% | 4,433 |
| Total risk-based capital ratio | 15.2610% | 4,377 |
| Memoranda: | ||
| Average total assets | $277,495,750 | 2,300 |
| Average earning assets | $244,385,250 | 2,398 |
| Average equity | $24,859,000 | 2,663 |
| Average total loans | $197,244,500 | 2,027 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,915 |
| Cost of funding earning assets | 0.9769% | 609 |
| Net interest margin | 3.3324% | 4,437 |
| Noninterest income to average assets | 0.1737% | 6,164 |
| Noninterest expense to average assets | 2.6220% | 4,310 |
| Loan and lease loss provision to assets | 0.1148% | 2,895 |
| Net operating income to assets | 0.2290% | 5,823 |
| Return on assets (ROA) | 0.2290% | 5,948 |
| Pretax return on assets | 0.3725% | 5,698 |
| Return on Equity (ROE) | 2.5705% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.5705% | 4,667 |
| Net charge-offs to loans | 0.2871% | 2,048 |
| Credit loss provision to net charge-offs | 56.3380% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.3908% | 3,724 |
| Efficiency ratio | 84.2798% | 1,598 |
| Assets per employee ($millions) | 5.6345% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,235 |
| Loan loss allowance to noncurrent loans | 46.8750% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 5.4522% | 541 |
| Noncurrent loans to loans | 3.9644% | 987 |
| Net loans and leases to total assets | 69.1502% | 2,043 |
| Net loans and leases to deposits | 80.1740% | 2,295 |
| Net loans and leases to core deposits | 91.7407% | 1,734 |
| Total domestic deposits to total assets | 86.2501% | 3,232 |
| Equity capital to assets | 9.0217% | 5,195 |
| Core capital (leverage) ratio | 9.5565% | 4,151 |
| Tier 1 risk-based capital ratio | 13.9775% | 4,439 |
| Total risk-based capital ratio | 15.2358% | 4,398 |
| Memoranda: | ||
| Average total assets | $278,637,330 | 2,298 |
| Average earning assets | $245,469,670 | 2,393 |
| Average equity | $24,819,670 | 2,680 |
| Average total loans | $197,830,330 | 2,026 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,648 |
| Cost of funding earning assets | 0.9882% | 654 |
| Net interest margin | 3.3751% | 4,212 |
| Noninterest income to average assets | 0.2801% | 5,457 |
| Noninterest expense to average assets | 2.6437% | 4,264 |
| Loan and lease loss provision to assets | 0.0643% | 3,552 |
| Net operating income to assets | 0.3344% | 5,424 |
| Return on assets (ROA) | 0.3344% | 5,561 |
| Pretax return on assets | 0.5445% | 5,132 |
| Return on Equity (ROE) | 3.7779% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,969 |
| Net charge-offs to loans | 0.0241% | 3,699 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 867 |
| Efficiency ratio | 81.2390% | 2,161 |
| Assets per employee ($millions) | 5.5634% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 2,295 |
| Loan loss allowance to noncurrent loans | 45.1466% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 5.8120% | 565 |
| Noncurrent loans to loans | 4.2113% | 1,040 |
| Net loans and leases to total assets | 69.9660% | 1,663 |
| Net loans and leases to deposits | 80.9826% | 1,956 |
| Net loans and leases to core deposits | 92.8554% | 1,427 |
| Total domestic deposits to total assets | 86.3964% | 3,302 |
| Equity capital to assets | 8.9475% | 5,560 |
| Core capital (leverage) ratio | 9.4189% | 4,212 |
| Tier 1 risk-based capital ratio | 13.6803% | 4,736 |
| Total risk-based capital ratio | 14.9388% | 4,694 |
| Memoranda: | ||
| Average total assets | $279,911,500 | 2,315 |
| Average earning assets | $246,509,000 | 2,408 |
| Average equity | $24,775,500 | 2,726 |
| Average total loans | $199,480,000 | 2,032 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 2,807 |
| Cost of funding earning assets | 1.1609% | 698 |
| Net interest margin | 3.4863% | 4,549 |
| Noninterest income to average assets | 0.3888% | 4,692 |
| Noninterest expense to average assets | 2.7572% | 4,188 |
| Loan and lease loss provision to assets | 0.0826% | 4,663 |
| Net operating income to assets | 0.4411% | 4,921 |
| Return on assets (ROA) | 0.4411% | 5,171 |
| Pretax return on assets | 0.6235% | 4,919 |
| Return on Equity (ROE) | 5.2879% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,509 |
| Net charge-offs to loans | 0.0288% | 5,497 |
| Credit loss provision to net charge-offs | 395.0000% | 614 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 923 |
| Efficiency ratio | 79.5812% | 2,197 |
| Assets per employee ($millions) | 5.6331% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,406 |
| Loan loss allowance to noncurrent loans | 52.7735% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 5.2926% | 715 |
| Noncurrent loans to loans | 3.5325% | 1,408 |
| Net loans and leases to total assets | 69.8819% | 1,865 |
| Net loans and leases to deposits | 81.5447% | 2,064 |
| Net loans and leases to core deposits | 93.9176% | 1,476 |
| Total domestic deposits to total assets | 85.6978% | 3,514 |
| Equity capital to assets | 8.7561% | 5,787 |
| Core capital (leverage) ratio | 9.1537% | 4,656 |
| Tier 1 risk-based capital ratio | 13.3421% | 4,866 |
| Total risk-based capital ratio | 14.6006% | 4,812 |
| Memoranda: | ||
| Average total assets | $286,779,600 | 2,224 |
| Average earning assets | $252,905,800 | 2,291 |
| Average equity | $23,922,400 | 2,751 |
| Average total loans | $208,361,200 | 1,937 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 2,843 |
| Cost of funding earning assets | 1.1955% | 708 |
| Net interest margin | 3.4937% | 4,673 |
| Noninterest income to average assets | 0.4596% | 4,214 |
| Noninterest expense to average assets | 2.7382% | 4,219 |
| Loan and lease loss provision to assets | 0.0889% | 4,496 |
| Net operating income to assets | 0.4383% | 5,085 |
| Return on assets (ROA) | 0.4383% | 5,323 |
| Pretax return on assets | 0.7137% | 4,816 |
| Return on Equity (ROE) | 5.3192% | 4,678 |
| Retained earnings to average equity (ytd only) | 5.3192% | 3,141 |
| Net charge-offs to loans | 0.0114% | 5,548 |
| Credit loss provision to net charge-offs | 1,066.6667% | 264 |
| Earnings coverage of net charge-offs (x) | 96.3308% | 437 |
| Efficiency ratio | 77.2941% | 2,483 |
| Assets per employee ($millions) | 5.4055% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 2,669 |
| Loan loss allowance to noncurrent loans | 46.1976% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 5.6099% | 750 |
| Noncurrent loans to loans | 3.9868% | 1,287 |
| Net loans and leases to total assets | 69.4996% | 2,014 |
| Net loans and leases to deposits | 82.9203% | 2,004 |
| Net loans and leases to core deposits | 96.0293% | 1,412 |
| Total domestic deposits to total assets | 83.8148% | 4,315 |
| Equity capital to assets | 8.4631% | 6,297 |
| Core capital (leverage) ratio | 9.0370% | 5,004 |
| Tier 1 risk-based capital ratio | 13.0175% | 5,229 |
| Total risk-based capital ratio | 14.2754% | 5,186 |
| Memoranda: | ||
| Average total assets | $288,060,750 | 2,244 |
| Average earning assets | $254,048,250 | 2,307 |
| Average equity | $23,737,500 | 2,799 |
| Average total loans | $210,310,250 | 1,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,671 |
| Cost of funding earning assets | 1.2282% | 720 |
| Net interest margin | 3.5337% | 4,537 |
| Noninterest income to average assets | 0.4172% | 4,528 |
| Noninterest expense to average assets | 2.7541% | 4,205 |
| Loan and lease loss provision to assets | 0.1019% | 4,249 |
| Net operating income to assets | 0.4158% | 5,162 |
| Return on assets (ROA) | 0.4158% | 5,387 |
| Pretax return on assets | 0.6778% | 4,892 |
| Return on Equity (ROE) | 5.0916% | 4,764 |
| Retained earnings to average equity (ytd only) | 5.0916% | 3,229 |
| Net charge-offs to loans | 0.0169% | 5,175 |
| Credit loss provision to net charge-offs | 816.6667% | 393 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 614 |
| Efficiency ratio | 77.8976% | 2,470 |
| Assets per employee ($millions) | 5.3666% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 2,898 |
| Loan loss allowance to noncurrent loans | 113.2904% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 3.9651% | 1,297 |
| Noncurrent loans to loans | 1.5767% | 3,543 |
| Net loans and leases to total assets | 71.3496% | 1,669 |
| Net loans and leases to deposits | 85.0405% | 1,717 |
| Net loans and leases to core deposits | 98.7134% | 1,200 |
| Total domestic deposits to total assets | 83.9007% | 4,353 |
| Equity capital to assets | 8.3912% | 6,307 |
| Core capital (leverage) ratio | 8.7276% | 5,335 |
| Tier 1 risk-based capital ratio | 12.4010% | 5,643 |
| Total risk-based capital ratio | 13.6586% | 5,619 |
| Memoranda: | ||
| Average total assets | $288,584,000 | 2,243 |
| Average earning assets | $254,523,000 | 2,315 |
| Average equity | $23,568,000 | 2,803 |
| Average total loans | $212,798,330 | 1,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 2,763 |
| Cost of funding earning assets | 1.2513% | 772 |
| Net interest margin | 3.5188% | 4,597 |
| Noninterest income to average assets | 0.3743% | 4,867 |
| Noninterest expense to average assets | 2.7193% | 4,356 |
| Loan and lease loss provision to assets | 0.0619% | 4,647 |
| Net operating income to assets | 0.4321% | 5,117 |
| Return on assets (ROA) | 0.4321% | 5,304 |
| Pretax return on assets | 0.7046% | 4,775 |
| Return on Equity (ROE) | 5.3633% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.3633% | 3,331 |
| Net charge-offs to loans | -0.0167% | 6,115 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9708% | 2,498 |
| Assets per employee ($millions) | 5.4614% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 3,394 |
| Loan loss allowance to noncurrent loans | 71.6323% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.7850% | 1,476 |
| Noncurrent loans to loans | 2.3555% | 2,742 |
| Net loans and leases to total assets | 72.7890% | 1,258 |
| Net loans and leases to deposits | 86.9378% | 1,301 |
| Net loans and leases to core deposits | 100.8742% | 932 |
| Total domestic deposits to total assets | 83.7253% | 4,623 |
| Equity capital to assets | 8.1477% | 6,414 |
| Core capital (leverage) ratio | 8.5258% | 5,553 |
| Tier 1 risk-based capital ratio | 12.0702% | 5,914 |
| Total risk-based capital ratio | 13.3267% | 5,884 |
| Memoranda: | ||
| Average total assets | $290,661,500 | 2,237 |
| Average earning assets | $257,019,500 | 2,309 |
| Average equity | $23,418,500 | 2,809 |
| Average total loans | $215,882,500 | 1,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 2,782 |
| Cost of funding earning assets | 1.4955% | 734 |
| Net interest margin | 3.5284% | 5,029 |
| Noninterest income to average assets | 0.2643% | 5,637 |
| Noninterest expense to average assets | 2.5276% | 5,363 |
| Loan and lease loss provision to assets | 0.5433% | 1,931 |
| Net operating income to assets | 0.2426% | 5,450 |
| Return on assets (ROA) | 0.2426% | 5,595 |
| Pretax return on assets | 0.3397% | 5,452 |
| Return on Equity (ROE) | 3.0966% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.0658% | 4,743 |
| Net charge-offs to loans | 0.0158% | 6,218 |
| Credit loss provision to net charge-offs | 4,522.2222% | 54 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 412 |
| Efficiency ratio | 74.0802% | 3,227 |
| Assets per employee ($millions) | 5.5069% | 1,631 |
| Cash dividends to net income (ytd only)* | 33.2875% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,427 |
| Loan loss allowance to noncurrent loans | 134.8221% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 3.0418% | 1,974 |
| Noncurrent loans to loans | 1.2150% | 4,335 |
| Net loans and leases to total assets | 73.2851% | 1,390 |
| Net loans and leases to deposits | 88.2514% | 1,349 |
| Net loans and leases to core deposits | 103.0775% | 962 |
| Total domestic deposits to total assets | 83.0412% | 4,733 |
| Equity capital to assets | 7.9670% | 6,596 |
| Core capital (leverage) ratio | 8.5081% | 5,543 |
| Tier 1 risk-based capital ratio | 12.0612% | 5,792 |
| Total risk-based capital ratio | 13.3175% | 5,773 |
| Memoranda: | ||
| Average total assets | $299,654,600 | 2,134 |
| Average earning assets | $267,205,400 | 2,189 |
| Average equity | $23,477,600 | 2,731 |
| Average total loans | $227,383,800 | 1,822 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 3,064 |
| Cost of funding earning assets | 1.5590% | 697 |
| Net interest margin | 3.4454% | 5,411 |
| Noninterest income to average assets | 0.2666% | 5,710 |
| Noninterest expense to average assets | 2.4690% | 5,568 |
| Loan and lease loss provision to assets | 0.7051% | 1,362 |
| Net operating income to assets | 0.1052% | 5,954 |
| Return on assets (ROA) | 0.1052% | 6,066 |
| Pretax return on assets | 0.1711% | 5,951 |
| Return on Equity (ROE) | 1.3484% | 5,985 |
| Retained earnings to average equity (ytd only) | -0.0283% | 5,963 |
| Net charge-offs to loans | 0.0203% | 5,872 |
| Credit loss provision to net charge-offs | 4,557.1429% | 64 |
| Earnings coverage of net charge-offs (x) | 56.6231% | 580 |
| Efficiency ratio | 73.7677% | 3,228 |
| Assets per employee ($millions) | 5.5883% | 1,513 |
| Cash dividends to net income (ytd only)* | 102.0988% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,729 |
| Loan loss allowance to noncurrent loans | 88.4425% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 3.0860% | 2,075 |
| Noncurrent loans to loans | 1.7935% | 3,645 |
| Net loans and leases to total assets | 74.6995% | 1,196 |
| Net loans and leases to deposits | 90.3646% | 1,172 |
| Net loans and leases to core deposits | 105.8092% | 879 |
| Total domestic deposits to total assets | 82.6646% | 4,817 |
| Equity capital to assets | 7.8709% | 6,768 |
| Core capital (leverage) ratio | 8.2361% | 6,082 |
| Tier 1 risk-based capital ratio | 11.7019% | 6,106 |
| Total risk-based capital ratio | 12.9575% | 6,098 |
| Memoranda: | ||
| Average total assets | $301,601,500 | 2,133 |
| Average earning assets | $269,490,500 | 2,180 |
| Average equity | $23,533,750 | 2,723 |
| Average total loans | $229,865,500 | 1,827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 3,058 |
| Cost of funding earning assets | 1.6167% | 655 |
| Net interest margin | 3.4041% | 5,545 |
| Noninterest income to average assets | 0.2841% | 5,608 |
| Noninterest expense to average assets | 2.4719% | 5,636 |
| Loan and lease loss provision to assets | 0.0494% | 5,694 |
| Net operating income to assets | 0.4977% | 4,508 |
| Return on assets (ROA) | 0.4977% | 4,648 |
| Pretax return on assets | 0.8108% | 3,984 |
| Return on Equity (ROE) | 6.3962% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.0407% | 2,984 |
| Net charge-offs to loans | 0.0302% | 5,418 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 782 |
| Efficiency ratio | 74.1444% | 3,342 |
| Assets per employee ($millions) | 5.7692% | 1,325 |
| Cash dividends to net income (ytd only)* | 21.1921% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,672 |
| Loan loss allowance to noncurrent loans | 158.1144% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 2.0700% | 3,153 |
| Noncurrent loans to loans | 0.5658% | 5,789 |
| Net loans and leases to total assets | 75.5530% | 1,144 |
| Net loans and leases to deposits | 92.6696% | 980 |
| Net loans and leases to core deposits | 108.7559% | 769 |
| Total domestic deposits to total assets | 81.5294% | 5,341 |
| Equity capital to assets | 7.9684% | 6,702 |
| Core capital (leverage) ratio | 8.2889% | 5,884 |
| Tier 1 risk-based capital ratio | 11.8265% | 5,916 |
| Total risk-based capital ratio | 12.8002% | 6,122 |
| Memoranda: | ||
| Average total assets | $303,408,670 | 2,122 |
| Average earning assets | $271,671,330 | 2,164 |
| Average equity | $23,607,670 | 2,687 |
| Average total loans | $231,550,330 | 1,837 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 3,049 |
| Cost of funding earning assets | 1.6728% | 626 |
| Net interest margin | 3.3398% | 5,645 |
| Noninterest income to average assets | 0.3055% | 5,485 |
| Noninterest expense to average assets | 2.4804% | 5,627 |
| Loan and lease loss provision to assets | 0.0302% | 5,589 |
| Net operating income to assets | 0.4877% | 4,536 |
| Return on assets (ROA) | 0.4877% | 4,620 |
| Pretax return on assets | 0.7945% | 3,918 |
| Return on Equity (ROE) | 6.3430% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.0301% | 3,174 |
| Net charge-offs to loans | 0.0773% | 4,170 |
| Credit loss provision to net charge-offs | 51.1111% | 3,725 |
| Earnings coverage of net charge-offs (x) | 13.9778% | 1,397 |
| Efficiency ratio | 75.0099% | 3,332 |
| Assets per employee ($millions) | 5.9643% | 1,221 |
| Cash dividends to net income (ytd only)* | 20.6989% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,810 |
| Loan loss allowance to noncurrent loans | 79.7428% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8371% | 3,514 |
| Noncurrent loans to loans | 1.0748% | 4,900 |
| Net loans and leases to total assets | 75.4467% | 1,116 |
| Net loans and leases to deposits | 91.8112% | 1,038 |
| Net loans and leases to core deposits | 107.7270% | 855 |
| Total domestic deposits to total assets | 82.1760% | 5,238 |
| Equity capital to assets | 7.7606% | 6,704 |
| Core capital (leverage) ratio | 8.1154% | 6,103 |
| Tier 1 risk-based capital ratio | 11.5975% | 6,023 |
| Total risk-based capital ratio | 12.5347% | 6,251 |
| Memoranda: | ||
| Average total assets | $305,115,000 | 2,119 |
| Average earning assets | $274,025,500 | 2,168 |
| Average equity | $23,459,000 | 2,696 |
| Average total loans | $232,974,500 | 1,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1904% | 3,654 |
| Cost of funding earning assets | 2.0448% | 511 |
| Net interest margin | 3.1456% | 6,399 |
| Noninterest income to average assets | 0.4017% | 4,899 |
| Noninterest expense to average assets | 2.3663% | 6,175 |
| Loan and lease loss provision to assets | 0.2692% | 4,652 |
| Net operating income to assets | 0.4352% | 4,388 |
| Return on assets (ROA) | 0.4352% | 4,540 |
| Pretax return on assets | 0.5980% | 4,332 |
| Return on Equity (ROE) | 5.8625% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.1828% | 2,320 |
| Net charge-offs to loans | 0.0189% | 6,624 |
| Credit loss provision to net charge-offs | 1,837.7778% | 126 |
| Earnings coverage of net charge-offs (x) | 59.2000% | 397 |
| Efficiency ratio | 73.1501% | 3,569 |
| Assets per employee ($millions) | 5.8856% | 1,293 |
| Cash dividends to net income (ytd only)* | 11.5931% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 6,841 |
| Loan loss allowance to noncurrent loans | 85.2529% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 3,724 |
| Noncurrent loans to loans | 1.0035% | 5,058 |
| Net loans and leases to total assets | 75.9566% | 1,281 |
| Net loans and leases to deposits | 91.7746% | 1,288 |
| Net loans and leases to core deposits | 108.1982% | 1,030 |
| Total domestic deposits to total assets | 82.7643% | 4,900 |
| Equity capital to assets | 7.6170% | 6,803 |
| Core capital (leverage) ratio | 7.9361% | 6,279 |
| Tier 1 risk-based capital ratio | 10.9919% | 6,331 |
| Total risk-based capital ratio | 11.9010% | 6,566 |
| Memoranda: | ||
| Average total assets | $307,182,200 | 2,112 |
| Average earning assets | $276,549,000 | 2,141 |
| Average equity | $22,806,000 | 2,790 |
| Average total loans | $238,639,600 | 1,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 3,912 |
| Cost of funding earning assets | 2.1087% | 523 |
| Net interest margin | 3.0766% | 6,667 |
| Noninterest income to average assets | 0.3608% | 5,279 |
| Noninterest expense to average assets | 2.3235% | 6,254 |
| Loan and lease loss provision to assets | 0.1305% | 5,722 |
| Net operating income to assets | 0.4159% | 4,676 |
| Return on assets (ROA) | 0.4159% | 4,853 |
| Pretax return on assets | 0.6773% | 4,311 |
| Return on Equity (ROE) | 5.6378% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1793% | 2,857 |
| Net charge-offs to loans | 0.0228% | 6,353 |
| Credit loss provision to net charge-offs | 734.1463% | 408 |
| Earnings coverage of net charge-offs (x) | 45.4352% | 609 |
| Efficiency ratio | 74.1587% | 3,301 |
| Assets per employee ($millions) | 6.0871% | 1,185 |
| Cash dividends to net income (ytd only)* | 8.1337% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 7,317 |
| Loan loss allowance to noncurrent loans | 63.0684% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7018% | 3,893 |
| Noncurrent loans to loans | 0.9894% | 5,258 |
| Net loans and leases to total assets | 76.1268% | 1,388 |
| Net loans and leases to deposits | 92.9807% | 1,333 |
| Net loans and leases to core deposits | 109.8204% | 1,042 |
| Total domestic deposits to total assets | 81.8738% | 5,045 |
| Equity capital to assets | 7.4494% | 7,153 |
| Core capital (leverage) ratio | 7.7376% | 6,635 |
| Tier 1 risk-based capital ratio | 10.7685% | 6,573 |
| Total risk-based capital ratio | 11.4356% | 6,945 |
| Memoranda: | ||
| Average total assets | $307,465,000 | 2,144 |
| Average earning assets | $276,881,250 | 2,170 |
| Average equity | $22,679,500 | 2,846 |
| Average total loans | $239,681,500 | 1,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 3,982 |
| Cost of funding earning assets | 2.1631% | 520 |
| Net interest margin | 3.0329% | 6,762 |
| Noninterest income to average assets | 0.3602% | 5,270 |
| Noninterest expense to average assets | 2.3226% | 6,297 |
| Loan and lease loss provision to assets | 0.1631% | 5,256 |
| Net operating income to assets | 0.3713% | 4,889 |
| Return on assets (ROA) | 0.3713% | 5,051 |
| Pretax return on assets | 0.6049% | 4,556 |
| Return on Equity (ROE) | 5.0509% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.0509% | 2,878 |
| Net charge-offs to loans | 0.0200% | 6,063 |
| Credit loss provision to net charge-offs | 1,041.6667% | 358 |
| Earnings coverage of net charge-offs (x) | 49.0417% | 602 |
| Efficiency ratio | 75.1056% | 3,244 |
| Assets per employee ($millions) | 6.0078% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 7,413 |
| Loan loss allowance to noncurrent loans | 55.7264% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6411% | 3,974 |
| Noncurrent loans to loans | 1.0805% | 5,157 |
| Net loans and leases to total assets | 76.6178% | 1,366 |
| Net loans and leases to deposits | 95.3701% | 1,106 |
| Net loans and leases to core deposits | 110.5191% | 1,132 |
| Total domestic deposits to total assets | 80.3373% | 5,618 |
| Equity capital to assets | 7.3026% | 7,224 |
| Core capital (leverage) ratio | 7.7447% | 6,560 |
| Tier 1 risk-based capital ratio | 11.0011% | 6,232 |
| Total risk-based capital ratio | 11.6759% | 6,724 |
| Memoranda: | ||
| Average total assets | $306,473,330 | 2,165 |
| Average earning assets | $275,906,670 | 2,191 |
| Average equity | $22,530,670 | 2,856 |
| Average total loans | $240,304,670 | 1,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 3,825 |
| Cost of funding earning assets | 2.2301% | 539 |
| Net interest margin | 3.0116% | 6,806 |
| Noninterest income to average assets | 0.2636% | 6,044 |
| Noninterest expense to average assets | 2.3196% | 6,325 |
| Loan and lease loss provision to assets | 0.0329% | 6,348 |
| Net operating income to assets | 0.3796% | 4,930 |
| Return on assets (ROA) | 0.3796% | 5,062 |
| Pretax return on assets | 0.6181% | 4,537 |
| Return on Equity (ROE) | 5.1454% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.1454% | 3,071 |
| Net charge-offs to loans | 0.0250% | 5,224 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 32.9333% | 814 |
| Efficiency ratio | 78.0390% | 2,890 |
| Assets per employee ($millions) | 6.2199% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 7,577 |
| Loan loss allowance to noncurrent loans | 36.5413% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 1.8112% | 3,770 |
| Noncurrent loans to loans | 1.4179% | 4,610 |
| Net loans and leases to total assets | 77.7425% | 1,200 |
| Net loans and leases to deposits | 99.6492% | 781 |
| Net loans and leases to core deposits | 109.6376% | 1,305 |
| Total domestic deposits to total assets | 78.0162% | 6,311 |
| Equity capital to assets | 7.3937% | 7,146 |
| Core capital (leverage) ratio | 7.7740% | 6,535 |
| Tier 1 risk-based capital ratio | 11.0201% | 6,137 |
| Total risk-based capital ratio | 11.6022% | 6,758 |
| Memoranda: | ||
| Average total assets | $303,506,000 | 2,228 |
| Average earning assets | $272,812,500 | 2,264 |
| Average equity | $22,389,000 | 2,894 |
| Average total loans | $240,052,000 | 1,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 5,464 |
| Cost of funding earning assets | 2.7059% | 579 |
| Net interest margin | 2.5337% | 7,388 |
| Noninterest income to average assets | 0.3416% | 5,645 |
| Noninterest expense to average assets | 2.2268% | 6,920 |
| Loan and lease loss provision to assets | 0.0163% | 7,335 |
| Net operating income to assets | 0.3285% | 4,421 |
| Return on assets (ROA) | 0.1160% | 5,219 |
| Pretax return on assets | 0.1350% | 5,146 |
| Return on Equity (ROE) | 1.6221% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.6221% | 3,945 |
| Net charge-offs to loans | -0.0017% | 7,691 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7859% | 2,259 |
| Assets per employee ($millions) | 6.2966% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5059% | 7,660 |
| Loan loss allowance to noncurrent loans | 22.2343% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 1.8505% | 3,595 |
| Noncurrent loans to loans | 2.2754% | 3,311 |
| Net loans and leases to total assets | 79.6415% | 1,056 |
| Net loans and leases to deposits | 102.1620% | 745 |
| Net loans and leases to core deposits | 145.5179% | 622 |
| Total domestic deposits to total assets | 77.9561% | 6,228 |
| Equity capital to assets | 7.3598% | 7,155 |
| Core capital (leverage) ratio | 7.5591% | 6,729 |
| Tier 1 risk-based capital ratio | 10.2925% | 6,597 |
| Total risk-based capital ratio | 10.8385% | 7,153 |
| Memoranda: | ||
| Average total assets | $305,949,200 | 2,180 |
| Average earning assets | $275,766,400 | 2,201 |
| Average equity | $21,885,200 | 2,960 |
| Average total loans | $241,288,600 | 1,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2746% | 5,548 |
| Cost of funding earning assets | 2.7949% | 604 |
| Net interest margin | 2.4796% | 7,485 |
| Noninterest income to average assets | 0.3159% | 5,952 |
| Noninterest expense to average assets | 2.2475% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3063% | 4,771 |
| Return on assets (ROA) | -0.0765% | 5,891 |
| Pretax return on assets | -0.0765% | 5,812 |
| Return on Equity (ROE) | -1.0766% | 5,946 |
| Retained earnings to average equity (ytd only) | -1.0766% | 5,508 |
| Net charge-offs to loans | -0.0028% | 7,601 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9551% | 1,880 |
| Assets per employee ($millions) | 6.1124% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4924% | 7,722 |
| Loan loss allowance to noncurrent loans | 30.9800% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2968% | 4,490 |
| Noncurrent loans to loans | 1.5894% | 4,254 |
| Net loans and leases to total assets | 79.3472% | 1,316 |
| Net loans and leases to deposits | 97.6854% | 1,358 |
| Net loans and leases to core deposits | 139.8899% | 919 |
| Total domestic deposits to total assets | 81.2273% | 4,986 |
| Equity capital to assets | 7.2208% | 7,471 |
| Core capital (leverage) ratio | 7.3426% | 7,144 |
| Tier 1 risk-based capital ratio | 10.5562% | 6,408 |
| Total risk-based capital ratio | 11.1069% | 7,055 |
| Memoranda: | ||
| Average total assets | $306,877,000 | 2,189 |
| Average earning assets | $276,970,500 | 2,218 |
| Average equity | $21,795,500 | 2,999 |
| Average total loans | $241,128,000 | 1,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 5,349 |
| Cost of funding earning assets | 2.8573% | 678 |
| Net interest margin | 2.5036% | 7,474 |
| Noninterest income to average assets | 0.3272% | 5,897 |
| Noninterest expense to average assets | 2.1459% | 7,181 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4416% | 4,327 |
| Return on assets (ROA) | -0.2994% | 6,340 |
| Pretax return on assets | -0.2994% | 6,238 |
| Return on Equity (ROE) | -4.2377% | 6,510 |
| Retained earnings to average equity (ytd only) | -4.2377% | 6,177 |
| Net charge-offs to loans | -0.0041% | 7,514 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8836% | 2,617 |
| Assets per employee ($millions) | 6.2487% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 7,798 |
| Loan loss allowance to noncurrent loans | 101.8198% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 6,371 |
| Noncurrent loans to loans | 0.4838% | 6,316 |
| Net loans and leases to total assets | 77.5115% | 1,860 |
| Net loans and leases to deposits | 96.0454% | 1,791 |
| Net loans and leases to core deposits | 137.2762% | 1,145 |
| Total domestic deposits to total assets | 80.7030% | 5,192 |
| Equity capital to assets | 7.0176% | 7,611 |
| Core capital (leverage) ratio | 7.1570% | 7,398 |
| Tier 1 risk-based capital ratio | 10.5507% | 6,330 |
| Total risk-based capital ratio | 11.1077% | 7,009 |
| Memoranda: | ||
| Average total assets | $309,333,000 | 2,206 |
| Average earning assets | $279,282,670 | 2,227 |
| Average equity | $21,851,670 | 2,990 |
| Average total loans | $241,894,670 | 1,990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 5,531 |
| Cost of funding earning assets | 2.9409% | 698 |
| Net interest margin | 2.4384% | 7,575 |
| Noninterest income to average assets | 0.3474% | 5,666 |
| Noninterest expense to average assets | 2.1846% | 6,907 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2251% | 5,581 |
| Return on assets (ROA) | 0.2251% | 5,738 |
| Pretax return on assets | 0.3667% | 5,494 |
| Return on Equity (ROE) | 3.1769% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.1769% | 4,107 |
| Net charge-offs to loans | -0.0082% | 7,255 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6278% | 2,120 |
| Assets per employee ($millions) | 6.2660% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4853% | 7,841 |
| Loan loss allowance to noncurrent loans | 142.0798% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 5,970 |
| Noncurrent loans to loans | 0.3415% | 6,575 |
| Net loans and leases to total assets | 76.9115% | 2,060 |
| Net loans and leases to deposits | 98.5143% | 1,597 |
| Net loans and leases to core deposits | 141.2386% | 1,054 |
| Total domestic deposits to total assets | 78.0714% | 5,989 |
| Equity capital to assets | 7.0645% | 7,650 |
| Core capital (leverage) ratio | 7.3417% | 7,331 |
| Tier 1 risk-based capital ratio | 10.6344% | 6,254 |
| Total risk-based capital ratio | 11.1802% | 6,898 |
| Memoranda: | ||
| Average total assets | $310,906,000 | 2,209 |
| Average earning assets | $281,005,500 | 2,236 |
| Average equity | $22,034,000 | 2,970 |
| Average total loans | $243,589,500 | 2,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 5,730 |
| Cost of funding earning assets | 3.5919% | 397 |
| Net interest margin | 2.3726% | 7,871 |
| Noninterest income to average assets | 0.4138% | 5,356 |
| Noninterest expense to average assets | 2.2515% | 6,829 |
| Loan and lease loss provision to assets | 0.1174% | 5,868 |
| Net operating income to assets | 0.1435% | 5,995 |
| Return on assets (ROA) | 0.1435% | 5,820 |
| Pretax return on assets | 0.1730% | 5,785 |
| Return on Equity (ROE) | 1.9385% | 5,637 |
| Retained earnings to average equity (ytd only) | 0.6613% | 4,843 |
| Net charge-offs to loans | 0.0522% | 6,042 |
| Credit loss provision to net charge-offs | 286.8852% | 1,581 |
| Earnings coverage of net charge-offs (x) | 7.0984% | 3,188 |
| Efficiency ratio | 88.5356% | 1,632 |
| Assets per employee ($millions) | 6.2962% | 992 |
| Cash dividends to net income (ytd only)* | 65.8879% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4775% | 7,879 |
| Loan loss allowance to noncurrent loans | 242.7386% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,688 |
| Noncurrent loans to loans | 0.1967% | 6,802 |
| Net loans and leases to total assets | 79.0472% | 1,878 |
| Net loans and leases to deposits | 100.7157% | 1,752 |
| Net loans and leases to core deposits | 145.2166% | 1,044 |
| Total domestic deposits to total assets | 78.4855% | 5,555 |
| Equity capital to assets | 7.1099% | 7,677 |
| Core capital (leverage) ratio | 7.5777% | 7,108 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,400 |
| Total risk-based capital ratio | 10.8474% | 7,099 |
| Memoranda: | ||
| Average total assets | $298,200,400 | 2,212 |
| Average earning assets | $267,464,800 | 2,242 |
| Average equity | $22,078,400 | 2,963 |
| Average total loans | $233,589,800 | 2,024 |