Home > Home Savings of America > Performance and Condition Ratios
Home Savings of America, Performance and Condition Ratios
| 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 | 3.1311% | 7,143 |
| Cost of funding earning assets | 1.2987% | 1,493 |
| Net interest margin | 1.8325% | 7,250 |
| Noninterest income to average assets | 14.1648% | 42 |
| Noninterest expense to average assets | 21.0307% | 30 |
| Loan and lease loss provision to assets | 1.4578% | 520 |
| Net operating income to assets | -5.9451% | 7,322 |
| Return on assets (ROA) | -5.9451% | 7,322 |
| Pretax return on assets | -6.7752% | 7,334 |
| Return on Equity (ROE) | -206.6674% | 7,347 |
| Retained earnings to average equity (ytd only) | -206.6674% | 7,347 |
| Net charge-offs to loans | 1.1277% | 1,515 |
| Credit loss provision to net charge-offs | 188.0911% | 1,362 |
| Earnings coverage of net charge-offs (x) | -6.8605% | 6,377 |
| Efficiency ratio | 133.3141% | 216 |
| Assets per employee ($millions) | 0.6123% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,798 |
| Loan loss allowance to noncurrent loans | 34.0174% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 11.6841% | 228 |
| Noncurrent loans to loans | 3.8842% | 1,615 |
| Net loans and leases to total assets | 77.5705% | 762 |
| Net loans and leases to deposits | 77.9093% | 2,856 |
| Net loans and leases to core deposits | 82.6641% | 3,080 |
| Total domestic deposits to total assets | 99.5651% | 4 |
| Equity capital to assets | -1.5233% | 7,354 |
| Core capital (leverage) ratio | -2.2519% | 7,354 |
| Tier 1 risk-based capital ratio | -4.5705% | 7,356 |
| Total risk-based capital ratio | -4.5705% | 7,356 |
| Memoranda: | ||
| Average total assets | $442,024,600 | 1,477 |
| Average earning assets | $373,541,200 | 1,592 |
| Average equity | $12,715,600 | 4,390 |
| Average total loans | $303,799,800 | 1,401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 7,249 |
| Cost of funding earning assets | 1.3413% | 1,497 |
| Net interest margin | 1.7139% | 7,346 |
| Noninterest income to average assets | 15.0935% | 42 |
| Noninterest expense to average assets | 21.5786% | 31 |
| Loan and lease loss provision to assets | 1.8414% | 322 |
| Net operating income to assets | -5.7779% | 7,393 |
| Return on assets (ROA) | -5.7779% | 7,394 |
| Pretax return on assets | -6.8914% | 7,411 |
| Return on Equity (ROE) | -146.1956% | 7,409 |
| Retained earnings to average equity (ytd only) | -146.1956% | 7,409 |
| Net charge-offs to loans | 1.2032% | 1,303 |
| Credit loss provision to net charge-offs | 230.7866% | 1,234 |
| Earnings coverage of net charge-offs (x) | -6.3293% | 6,115 |
| Efficiency ratio | 129.9971% | 228 |
| Assets per employee ($millions) | 0.5289% | 7,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 3,463 |
| Loan loss allowance to noncurrent loans | 48.6289% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 11.7781% | 238 |
| Noncurrent loans to loans | 3.3841% | 2,043 |
| Net loans and leases to total assets | 75.2066% | 1,109 |
| Net loans and leases to deposits | 76.8516% | 3,188 |
| Net loans and leases to core deposits | 81.8929% | 3,344 |
| Total domestic deposits to total assets | 97.8596% | 8 |
| Equity capital to assets | 0.0992% | 7,433 |
| Core capital (leverage) ratio | -0.4648% | 7,433 |
| Tier 1 risk-based capital ratio | -0.8896% | 7,433 |
| Total risk-based capital ratio | -0.8896% | 7,433 |
| Memoranda: | ||
| Average total assets | $444,003,000 | 1,484 |
| Average earning assets | $371,765,250 | 1,604 |
| Average equity | $17,547,750 | 3,501 |
| Average total loans | $294,437,000 | 1,461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 7,332 |
| Cost of funding earning assets | 1.3944% | 1,448 |
| Net interest margin | 1.6493% | 7,431 |
| Noninterest income to average assets | 14.3033% | 47 |
| Noninterest expense to average assets | 18.1052% | 38 |
| Loan and lease loss provision to assets | 1.2075% | 642 |
| Net operating income to assets | -2.2703% | 7,235 |
| Return on assets (ROA) | -2.2703% | 7,241 |
| Pretax return on assets | -3.6380% | 7,368 |
| Return on Equity (ROE) | -43.8523% | 7,326 |
| Retained earnings to average equity (ytd only) | -43.8523% | 7,323 |
| Net charge-offs to loans | 1.0057% | 1,562 |
| Credit loss provision to net charge-offs | 190.3158% | 1,590 |
| Earnings coverage of net charge-offs (x) | -3.8309% | 5,778 |
| Efficiency ratio | 114.9269% | 399 |
| Assets per employee ($millions) | 0.4691% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 6,408 |
| Loan loss allowance to noncurrent loans | 23.1827% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 12.3601% | 239 |
| Noncurrent loans to loans | 4.2387% | 1,599 |
| Net loans and leases to total assets | 63.4325% | 3,593 |
| Net loans and leases to deposits | 67.9899% | 4,709 |
| Net loans and leases to core deposits | 72.9158% | 4,722 |
| Total domestic deposits to total assets | 93.2970% | 117 |
| Equity capital to assets | 4.7736% | 7,336 |
| Core capital (leverage) ratio | 3.7413% | 7,393 |
| Tier 1 risk-based capital ratio | 7.5763% | 7,278 |
| Total risk-based capital ratio | 8.8269% | 7,283 |
| Memoranda: | ||
| Average total assets | $449,197,000 | 1,483 |
| Average earning assets | $373,501,330 | 1,612 |
| Average equity | $23,255,330 | 2,736 |
| Average total loans | $283,385,330 | 1,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 7,369 |
| Cost of funding earning assets | 1.4061% | 1,576 |
| Net interest margin | 1.7048% | 7,475 |
| Noninterest income to average assets | 16.2522% | 43 |
| Noninterest expense to average assets | 19.5237% | 36 |
| Loan and lease loss provision to assets | 2.3818% | 215 |
| Net operating income to assets | -2.6084% | 7,352 |
| Return on assets (ROA) | -2.6084% | 7,353 |
| Pretax return on assets | -4.2350% | 7,445 |
| Return on Equity (ROE) | -48.5691% | 7,410 |
| Retained earnings to average equity (ytd only) | -48.5691% | 7,396 |
| Net charge-offs to loans | 0.7798% | 1,653 |
| Credit loss provision to net charge-offs | 487.7698% | 734 |
| Earnings coverage of net charge-offs (x) | -3.7950% | 5,005 |
| Efficiency ratio | 109.9801% | 505 |
| Assets per employee ($millions) | 0.3651% | 7,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,472 |
| Loan loss allowance to noncurrent loans | 37.3785% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 12.2982% | 250 |
| Noncurrent loans to loans | 4.4501% | 1,575 |
| Net loans and leases to total assets | 58.6758% | 4,516 |
| Net loans and leases to deposits | 63.8220% | 5,273 |
| Net loans and leases to core deposits | 68.3639% | 5,244 |
| Total domestic deposits to total assets | 91.9366% | 304 |
| Equity capital to assets | 5.0673% | 7,373 |
| Core capital (leverage) ratio | 3.8108% | 7,451 |
| Tier 1 risk-based capital ratio | 7.9894% | 7,291 |
| Total risk-based capital ratio | 9.2502% | 7,296 |
| Memoranda: | ||
| Average total assets | $455,447,000 | 1,476 |
| Average earning assets | $378,926,000 | 1,598 |
| Average equity | $24,460,000 | 2,600 |
| Average total loans | $285,199,500 | 1,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 7,431 |
| Cost of funding earning assets | 1.6436% | 1,854 |
| Net interest margin | 1.7047% | 7,521 |
| Noninterest income to average assets | 21.1590% | 37 |
| Noninterest expense to average assets | 22.5832% | 37 |
| Loan and lease loss provision to assets | 0.7893% | 2,072 |
| Net operating income to assets | -0.4588% | 6,358 |
| Return on assets (ROA) | -0.4588% | 6,387 |
| Pretax return on assets | -0.7629% | 6,497 |
| Return on Equity (ROE) | -7.9954% | 6,621 |
| Retained earnings to average equity (ytd only) | -7.9954% | 6,535 |
| Net charge-offs to loans | 1.1202% | 1,988 |
| Credit loss provision to net charge-offs | 92.9367% | 4,991 |
| Earnings coverage of net charge-offs (x) | 0.0311% | 6,090 |
| Efficiency ratio | 99.4865% | 792 |
| Assets per employee ($millions) | 0.2785% | 7,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 7,011 |
| Loan loss allowance to noncurrent loans | 13.2993% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 12.8793% | 235 |
| Noncurrent loans to loans | 5.8776% | 1,075 |
| Net loans and leases to total assets | 65.0322% | 3,657 |
| Net loans and leases to deposits | 71.0985% | 4,669 |
| Net loans and leases to core deposits | 76.7500% | 4,613 |
| Total domestic deposits to total assets | 91.4678% | 408 |
| Equity capital to assets | 5.6710% | 7,381 |
| Core capital (leverage) ratio | 4.8891% | 7,427 |
| Tier 1 risk-based capital ratio | 9.9560% | 7,001 |
| Total risk-based capital ratio | 11.0080% | 7,065 |
| Memoranda: | ||
| Average total assets | $465,097,800 | 1,430 |
| Average earning assets | $395,788,200 | 1,533 |
| Average equity | $26,690,400 | 2,397 |
| Average total loans | $352,616,000 | 1,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 7,584 |
| Cost of funding earning assets | 1.6964% | 1,898 |
| Net interest margin | 1.5886% | 7,661 |
| Noninterest income to average assets | 18.2658% | 40 |
| Noninterest expense to average assets | 20.0901% | 41 |
| Loan and lease loss provision to assets | 0.6201% | 2,459 |
| Net operating income to assets | -0.6587% | 6,704 |
| Return on assets (ROA) | -0.6587% | 6,750 |
| Pretax return on assets | -1.0895% | 6,896 |
| Return on Equity (ROE) | -11.4445% | 6,985 |
| Retained earnings to average equity (ytd only) | -11.4445% | 6,946 |
| Net charge-offs to loans | 1.0370% | 1,950 |
| Credit loss provision to net charge-offs | 76.3445% | 5,242 |
| Earnings coverage of net charge-offs (x) | -0.5779% | 6,358 |
| Efficiency ratio | 101.9324% | 690 |
| Assets per employee ($millions) | 0.2671% | 7,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 7,411 |
| Loan loss allowance to noncurrent loans | 11.5970% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 12.7889% | 234 |
| Noncurrent loans to loans | 4.7406% | 1,488 |
| Net loans and leases to total assets | 77.0116% | 1,220 |
| Net loans and leases to deposits | 83.3819% | 2,812 |
| Net loans and leases to core deposits | 91.3754% | 2,895 |
| Total domestic deposits to total assets | 92.3600% | 142 |
| Equity capital to assets | 5.6297% | 7,524 |
| Core capital (leverage) ratio | 4.8537% | 7,559 |
| Tier 1 risk-based capital ratio | 9.0022% | 7,363 |
| Total risk-based capital ratio | 9.7983% | 7,439 |
| Memoranda: | ||
| Average total assets | $466,997,000 | 1,449 |
| Average earning assets | $398,333,750 | 1,545 |
| Average equity | $26,876,750 | 2,427 |
| Average total loans | $365,803,250 | 1,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 7,672 |
| Cost of funding earning assets | 1.7564% | 1,836 |
| Net interest margin | 1.4679% | 7,748 |
| Noninterest income to average assets | 15.9596% | 43 |
| Noninterest expense to average assets | 18.1210% | 43 |
| Loan and lease loss provision to assets | 0.2557% | 4,374 |
| Net operating income to assets | -0.6944% | 6,804 |
| Return on assets (ROA) | -0.6944% | 6,817 |
| Pretax return on assets | -1.1590% | 6,959 |
| Return on Equity (ROE) | -11.9803% | 7,042 |
| Retained earnings to average equity (ytd only) | -11.9803% | 7,000 |
| Net charge-offs to loans | 0.3501% | 3,603 |
| Credit loss provision to net charge-offs | 92.8903% | 4,339 |
| Earnings coverage of net charge-offs (x) | -3.2813% | 6,266 |
| Efficiency ratio | 104.7298% | 661 |
| Assets per employee ($millions) | 0.3177% | 7,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 7,191 |
| Loan loss allowance to noncurrent loans | 10.7715% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 13.3719% | 205 |
| Noncurrent loans to loans | 6.7542% | 863 |
| Net loans and leases to total assets | 76.2073% | 1,449 |
| Net loans and leases to deposits | 83.2709% | 3,018 |
| Net loans and leases to core deposits | 92.5507% | 2,912 |
| Total domestic deposits to total assets | 91.5173% | 323 |
| Equity capital to assets | 5.7343% | 7,570 |
| Core capital (leverage) ratio | 5.0067% | 7,603 |
| Tier 1 risk-based capital ratio | 9.3432% | 7,321 |
| Total risk-based capital ratio | 10.3935% | 7,384 |
| Memoranda: | ||
| Average total assets | $470,061,330 | 1,452 |
| Average earning assets | $402,877,670 | 1,539 |
| Average equity | $27,244,670 | 2,395 |
| Average total loans | $369,567,330 | 1,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 7,767 |
| Cost of funding earning assets | 1.8523% | 1,649 |
| Net interest margin | 1.4042% | 7,844 |
| Noninterest income to average assets | 14.9505% | 48 |
| Noninterest expense to average assets | 17.2150% | 45 |
| Loan and lease loss provision to assets | 0.1686% | 4,842 |
| Net operating income to assets | -0.7377% | 6,976 |
| Return on assets (ROA) | -0.7377% | 7,000 |
| Pretax return on assets | -1.2258% | 7,159 |
| Return on Equity (ROE) | -12.6617% | 7,245 |
| Retained earnings to average equity (ytd only) | -12.6617% | 7,108 |
| Net charge-offs to loans | 0.6859% | 2,118 |
| Credit loss provision to net charge-offs | 30.9119% | 4,799 |
| Earnings coverage of net charge-offs (x) | -1.9382% | 5,467 |
| Efficiency ratio | 106.0054% | 676 |
| Assets per employee ($millions) | 0.4019% | 7,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 7,318 |
| Loan loss allowance to noncurrent loans | 9.4275% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 12.8552% | 215 |
| Noncurrent loans to loans | 7.5494% | 751 |
| Net loans and leases to total assets | 75.4329% | 1,656 |
| Net loans and leases to deposits | 82.1084% | 3,266 |
| Net loans and leases to core deposits | 94.0124% | 2,837 |
| Total domestic deposits to total assets | 91.8699% | 271 |
| Equity capital to assets | 5.7712% | 7,649 |
| Core capital (leverage) ratio | 5.0554% | 7,698 |
| Tier 1 risk-based capital ratio | 9.8094% | 7,149 |
| Total risk-based capital ratio | 10.8666% | 7,234 |
| Memoranda: | ||
| Average total assets | $474,471,000 | 1,477 |
| Average earning assets | $407,926,000 | 1,555 |
| Average equity | $27,642,500 | 2,397 |
| Average total loans | $377,313,000 | 1,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 7,714 |
| Cost of funding earning assets | 2.8600% | 359 |
| Net interest margin | 1.0889% | 7,916 |
| Noninterest income to average assets | 15.0987% | 48 |
| Noninterest expense to average assets | 15.6596% | 57 |
| Loan and lease loss provision to assets | 0.8828% | 2,542 |
| Net operating income to assets | -0.3239% | 6,003 |
| Return on assets (ROA) | 0.4777% | 3,925 |
| Pretax return on assets | 0.7685% | 3,352 |
| Return on Equity (ROE) | 7.9166% | 2,406 |
| Retained earnings to average equity (ytd only) | 7.9166% | 723 |
| Net charge-offs to loans | 0.0011% | 7,240 |
| Credit loss provision to net charge-offs | 101,175.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 61 |
| Efficiency ratio | 97.0250% | 1,265 |
| Assets per employee ($millions) | 0.4705% | 7,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 7,127 |
| Loan loss allowance to noncurrent loans | 11.2303% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 12.3644% | 232 |
| Noncurrent loans to loans | 7.1262% | 777 |
| Net loans and leases to total assets | 82.3622% | 633 |
| Net loans and leases to deposits | 90.2076% | 2,186 |
| Net loans and leases to core deposits | 133.5392% | 1,085 |
| Total domestic deposits to total assets | 91.3030% | 434 |
| Equity capital to assets | 5.8800% | 7,680 |
| Core capital (leverage) ratio | 5.1717% | 7,747 |
| Tier 1 risk-based capital ratio | 9.4956% | 7,228 |
| Total risk-based capital ratio | 10.7248% | 7,216 |
| Memoranda: | ||
| Average total assets | $458,410,200 | 1,509 |
| Average earning assets | $403,987,000 | 1,569 |
| Average equity | $27,663,400 | 2,404 |
| Average total loans | $375,451,000 | 1,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 7,790 |
| Cost of funding earning assets | 2.9846% | 345 |
| Net interest margin | 1.0548% | 8,015 |
| Noninterest income to average assets | 13.0297% | 54 |
| Noninterest expense to average assets | 13.4600% | 70 |
| Loan and lease loss provision to assets | 0.7392% | 2,529 |
| Net operating income to assets | -0.1851% | 6,036 |
| Return on assets (ROA) | 0.8950% | 2,510 |
| Pretax return on assets | 1.4549% | 1,540 |
| Return on Equity (ROE) | 14.7314% | 806 |
| Retained earnings to average equity (ytd only) | 14.7314% | 166 |
| Net charge-offs to loans | 0.0014% | 6,976 |
| Credit loss provision to net charge-offs | 62,875.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 431.0094% | 82 |
| Efficiency ratio | 95.8226% | 1,286 |
| Assets per employee ($millions) | 0.5758% | 8,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 7,162 |
| Loan loss allowance to noncurrent loans | 10.9545% | 7,435 |
| Noncurrent assets plus other real estate owned to assets | 11.3257% | 261 |
| Noncurrent loans to loans | 7.1837% | 738 |
| Net loans and leases to total assets | 74.2838% | 2,447 |
| Net loans and leases to deposits | 83.3079% | 3,772 |
| Net loans and leases to core deposits | 124.5556% | 1,855 |
| Total domestic deposits to total assets | 89.1678% | 1,123 |
| Equity capital to assets | 6.1430% | 7,826 |
| Core capital (leverage) ratio | 5.4267% | 7,882 |
| Tier 1 risk-based capital ratio | 10.9763% | 5,975 |
| Total risk-based capital ratio | 12.1776% | 5,979 |
| Memoranda: | ||
| Average total assets | $453,630,000 | 1,544 |
| Average earning assets | $402,857,500 | 1,591 |
| Average equity | $27,559,500 | 2,431 |
| Average total loans | $370,194,250 | 1,312 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 7,817 |
| Cost of funding earning assets | 3.1230% | 331 |
| Net interest margin | 1.0928% | 8,087 |
| Noninterest income to average assets | 11.6919% | 65 |
| Noninterest expense to average assets | 12.4163% | 90 |
| Loan and lease loss provision to assets | 0.8253% | 2,034 |
| Net operating income to assets | -0.4939% | 6,543 |
| Return on assets (ROA) | 1.1473% | 1,707 |
| Pretax return on assets | 1.9855% | 588 |
| Return on Equity (ROE) | 18.9580% | 404 |
| Retained earnings to average equity (ytd only) | 18.9580% | 88 |
| Net charge-offs to loans | 0.0021% | 6,599 |
| Credit loss provision to net charge-offs | 46,200.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 288 |
| Efficiency ratio | 97.4643% | 1,294 |
| Assets per employee ($millions) | 0.6037% | 8,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 7,448 |
| Loan loss allowance to noncurrent loans | 12.7781% | 7,434 |
| Noncurrent assets plus other real estate owned to assets | 10.2358% | 273 |
| Noncurrent loans to loans | 5.3923% | 1,085 |
| Net loans and leases to total assets | 81.7139% | 1,005 |
| Net loans and leases to deposits | 92.1799% | 2,436 |
| Net loans and leases to core deposits | 137.8206% | 1,113 |
| Total domestic deposits to total assets | 88.6461% | 1,462 |
| Equity capital to assets | 6.1458% | 7,904 |
| Core capital (leverage) ratio | 5.3032% | 8,001 |
| Tier 1 risk-based capital ratio | 10.2175% | 6,691 |
| Total risk-based capital ratio | 11.2860% | 6,807 |
| Memoranda: | ||
| Average total assets | $447,848,330 | 1,581 |
| Average earning assets | $397,882,000 | 1,631 |
| Average equity | $27,102,000 | 2,470 |
| Average total loans | $376,048,000 | 1,319 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 7,790 |
| Cost of funding earning assets | 3.2835% | 279 |
| Net interest margin | 1.1326% | 8,144 |
| Noninterest income to average assets | 7.2265% | 93 |
| Noninterest expense to average assets | 11.4567% | 92 |
| Loan and lease loss provision to assets | 0.4043% | 2,900 |
| Net operating income to assets | -2.3612% | 7,740 |
| Return on assets (ROA) | 0.9776% | 2,535 |
| Pretax return on assets | 1.5909% | 1,433 |
| Return on Equity (ROE) | 16.2876% | 779 |
| Retained earnings to average equity (ytd only) | 16.2876% | 316 |
| Net charge-offs to loans | 0.0043% | 5,654 |
| Credit loss provision to net charge-offs | 11,125.0000% | 49 |
| Earnings coverage of net charge-offs (x) | -886.5000% | 5,726 |
| Efficiency ratio | 138.2723% | 424 |
| Assets per employee ($millions) | 0.7544% | 8,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 7,773 |
| Loan loss allowance to noncurrent loans | 12.6379% | 7,471 |
| Noncurrent assets plus other real estate owned to assets | 8.0557% | 363 |
| Noncurrent loans to loans | 4.2537% | 1,386 |
| Net loans and leases to total assets | 83.8371% | 713 |
| Net loans and leases to deposits | 94.1754% | 2,245 |
| Net loans and leases to core deposits | 135.4479% | 1,339 |
| Total domestic deposits to total assets | 89.0223% | 1,221 |
| Equity capital to assets | 5.9569% | 8,003 |
| Core capital (leverage) ratio | 5.1153% | 8,115 |
| Tier 1 risk-based capital ratio | 9.9397% | 6,994 |
| Total risk-based capital ratio | 10.7934% | 7,331 |
| Memoranda: | ||
| Average total assets | $440,266,500 | 1,612 |
| Average earning assets | $392,019,000 | 1,670 |
| Average equity | $26,425,000 | 2,531 |
| Average total loans | $373,587,000 | 1,340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5231% | 7,242 |
| Cost of funding earning assets | 3.4274% | 663 |
| Net interest margin | 2.0957% | 8,018 |
| Noninterest income to average assets | 2.5690% | 246 |
| Noninterest expense to average assets | 5.4503% | 510 |
| Loan and lease loss provision to assets | 0.2602% | 4,323 |
| Net operating income to assets | -0.7480% | 7,099 |
| Return on assets (ROA) | -0.2325% | 6,503 |
| Pretax return on assets | -0.3967% | 6,544 |
| Return on Equity (ROE) | -3.1013% | 6,634 |
| Retained earnings to average equity (ytd only) | -3.1013% | 6,134 |
| Net charge-offs to loans | 0.0346% | 6,326 |
| Credit loss provision to net charge-offs | 847.5728% | 521 |
| Earnings coverage of net charge-offs (x) | -30.6893% | 6,961 |
| Efficiency ratio | 119.2768% | 579 |
| Assets per employee ($millions) | 0.7752% | 8,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 7,769 |
| Loan loss allowance to noncurrent loans | 22.2790% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 6.0344% | 491 |
| Noncurrent loans to loans | 2.4600% | 2,223 |
| Net loans and leases to total assets | 84.9836% | 742 |
| Net loans and leases to deposits | 103.2241% | 1,436 |
| Net loans and leases to core deposits | 141.0484% | 1,212 |
| Total domestic deposits to total assets | 82.3292% | 4,071 |
| Equity capital to assets | 6.0498% | 8,054 |
| Core capital (leverage) ratio | 5.2078% | 8,189 |
| Tier 1 risk-based capital ratio | 9.5218% | 7,281 |
| Total risk-based capital ratio | 10.3512% | 7,678 |
| Memoranda: | ||
| Average total assets | $335,539,600 | 1,992 |
| Average earning assets | $310,496,400 | 1,963 |
| Average equity | $25,150,600 | 2,630 |
| Average total loans | $297,989,400 | 1,619 |