Home > Inter Savings Bank, fsb D/B/A Interbank, fsb > Performance and Condition Ratios
Inter Savings Bank, fsb D/B/A Interbank, fsb, 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 | 4.4840% | 3,990 |
| Cost of funding earning assets | 1.1014% | 1,404 |
| Net interest margin | 3.3826% | 5,186 |
| Noninterest income to average assets | 0.0702% | 6,856 |
| Noninterest expense to average assets | 2.4861% | 5,191 |
| Loan and lease loss provision to assets | 3.2882% | 56 |
| Net operating income to assets | -2.4480% | 7,188 |
| Return on assets (ROA) | -2.4480% | 7,191 |
| Pretax return on assets | -2.4480% | 7,173 |
| Return on Equity (ROE) | -195.6382% | 7,285 |
| Retained earnings to average equity (ytd only) | -195.6382% | 7,282 |
| Net charge-offs to loans | 2.0050% | 468 |
| Credit loss provision to net charge-offs | 194.2029% | 1,368 |
| Earnings coverage of net charge-offs (x) | 0.4963% | 4,091 |
| Efficiency ratio | 74.7393% | 2,984 |
| Assets per employee ($millions) | 11.3132% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6494% | 484 |
| Loan loss allowance to noncurrent loans | 47.8483% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 8.3393% | 449 |
| Noncurrent loans to loans | 7.6270% | 540 |
| Net loans and leases to total assets | 82.2098% | 270 |
| Net loans and leases to deposits | 83.2484% | 1,763 |
| Net loans and leases to core deposits | 85.6599% | 2,331 |
| Total domestic deposits to total assets | 98.7524% | 3 |
| Equity capital to assets | 0.9691% | 7,299 |
| Core capital (leverage) ratio | 0.9712% | 7,300 |
| Tier 1 risk-based capital ratio | 1.3427% | 7,300 |
| Total risk-based capital ratio | 2.6204% | 7,300 |
| Memoranda: | ||
| Average total assets | $472,714,500 | 1,416 |
| Average earning assets | $455,038,000 | 1,360 |
| Average equity | $5,915,000 | 6,167 |
| Average total loans | $399,206,000 | 1,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 4,561 |
| Cost of funding earning assets | 1.4377% | 890 |
| Net interest margin | 3.1887% | 6,129 |
| Noninterest income to average assets | -0.1814% | 7,150 |
| Noninterest expense to average assets | 2.2369% | 6,194 |
| Loan and lease loss provision to assets | 1.8904% | 334 |
| Net operating income to assets | -1.2656% | 6,842 |
| Return on assets (ROA) | -1.1296% | 6,821 |
| Pretax return on assets | -1.1296% | 6,784 |
| Return on Equity (ROE) | -53.7213% | 7,215 |
| Retained earnings to average equity (ytd only) | -53.7213% | 7,214 |
| Net charge-offs to loans | 2.7662% | 384 |
| Credit loss provision to net charge-offs | 83.4895% | 4,303 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 5,623 |
| Efficiency ratio | 78.1682% | 2,568 |
| Assets per employee ($millions) | 11.7461% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 1,790 |
| Loan loss allowance to noncurrent loans | 31.3313% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 8.2616% | 471 |
| Noncurrent loans to loans | 7.0421% | 629 |
| Net loans and leases to total assets | 81.7633% | 354 |
| Net loans and leases to deposits | 83.2564% | 2,029 |
| Net loans and leases to core deposits | 86.3063% | 2,595 |
| Total domestic deposits to total assets | 98.2066% | 8 |
| Equity capital to assets | 1.5231% | 7,337 |
| Core capital (leverage) ratio | 1.5360% | 7,336 |
| Tier 1 risk-based capital ratio | 2.0449% | 7,339 |
| Total risk-based capital ratio | 3.3098% | 7,339 |
| Memoranda: | ||
| Average total assets | $528,042,400 | 1,267 |
| Average earning assets | $503,931,000 | 1,203 |
| Average equity | $11,103,600 | 4,756 |
| Average total loans | $432,219,000 | 966 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 4,604 |
| Cost of funding earning assets | 1.5173% | 806 |
| Net interest margin | 3.1500% | 6,289 |
| Noninterest income to average assets | -0.2061% | 7,269 |
| Noninterest expense to average assets | 2.1895% | 6,303 |
| Loan and lease loss provision to assets | 1.5792% | 420 |
| Net operating income to assets | -0.9702% | 6,876 |
| Return on assets (ROA) | -0.7928% | 6,830 |
| Pretax return on assets | -0.7928% | 6,782 |
| Return on Equity (ROE) | -35.5192% | 7,230 |
| Retained earnings to average equity (ytd only) | -35.5192% | 7,223 |
| Net charge-offs to loans | 2.5437% | 423 |
| Credit loss provision to net charge-offs | 76.2132% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.2939% | 5,383 |
| Efficiency ratio | 78.2378% | 2,515 |
| Assets per employee ($millions) | 11.6526% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 2,030 |
| Loan loss allowance to noncurrent loans | 28.6490% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 8.6822% | 467 |
| Noncurrent loans to loans | 7.3899% | 643 |
| Net loans and leases to total assets | 81.7900% | 373 |
| Net loans and leases to deposits | 83.6930% | 2,048 |
| Net loans and leases to core deposits | 86.8579% | 2,664 |
| Total domestic deposits to total assets | 97.7262% | 10 |
| Equity capital to assets | 1.9778% | 7,407 |
| Core capital (leverage) ratio | 2.0255% | 7,397 |
| Tier 1 risk-based capital ratio | 2.6749% | 7,404 |
| Total risk-based capital ratio | 3.9383% | 7,406 |
| Memoranda: | ||
| Average total assets | $539,655,750 | 1,232 |
| Average earning assets | $514,744,250 | 1,176 |
| Average equity | $12,045,750 | 4,562 |
| Average total loans | $439,612,000 | 962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 4,766 |
| Cost of funding earning assets | 1.6359% | 606 |
| Net interest margin | 3.0120% | 6,585 |
| Noninterest income to average assets | -0.1882% | 7,335 |
| Noninterest expense to average assets | 2.2410% | 6,273 |
| Loan and lease loss provision to assets | 1.0472% | 805 |
| Net operating income to assets | -0.6052% | 6,762 |
| Return on assets (ROA) | -0.5118% | 6,728 |
| Pretax return on assets | -0.5118% | 6,666 |
| Return on Equity (ROE) | -22.1671% | 7,172 |
| Retained earnings to average equity (ytd only) | -22.1671% | 7,159 |
| Net charge-offs to loans | 2.0542% | 645 |
| Credit loss provision to net charge-offs | 63.0695% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.2662% | 5,112 |
| Efficiency ratio | 83.5267% | 1,884 |
| Assets per employee ($millions) | 11.7973% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 2,103 |
| Loan loss allowance to noncurrent loans | 34.9331% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 7.3081% | 673 |
| Noncurrent loans to loans | 6.0449% | 980 |
| Net loans and leases to total assets | 81.8373% | 382 |
| Net loans and leases to deposits | 84.0318% | 2,105 |
| Net loans and leases to core deposits | 87.0835% | 2,754 |
| Total domestic deposits to total assets | 97.3885% | 11 |
| Equity capital to assets | 2.3189% | 7,462 |
| Core capital (leverage) ratio | 2.3023% | 7,462 |
| Tier 1 risk-based capital ratio | 3.0439% | 7,465 |
| Total risk-based capital ratio | 4.3072% | 7,467 |
| Memoranda: | ||
| Average total assets | $552,520,670 | 1,213 |
| Average earning assets | $526,687,000 | 1,157 |
| Average equity | $12,757,670 | 4,392 |
| Average total loans | $446,588,670 | 965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 4,847 |
| Cost of funding earning assets | 1.8373% | 329 |
| Net interest margin | 2.7870% | 6,927 |
| Noninterest income to average assets | -0.2698% | 7,448 |
| Noninterest expense to average assets | 2.4236% | 5,818 |
| Loan and lease loss provision to assets | 0.4279% | 2,051 |
| Net operating income to assets | -0.4673% | 6,786 |
| Return on assets (ROA) | -0.3998% | 6,749 |
| Pretax return on assets | -0.3998% | 6,686 |
| Return on Equity (ROE) | -17.3502% | 7,186 |
| Retained earnings to average equity (ytd only) | -17.3502% | 7,100 |
| Net charge-offs to loans | 2.0287% | 628 |
| Credit loss provision to net charge-offs | 26.5128% | 4,176 |
| Earnings coverage of net charge-offs (x) | -0.0244% | 4,595 |
| Efficiency ratio | 101.6505% | 687 |
| Assets per employee ($millions) | 12.1653% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,289 |
| Loan loss allowance to noncurrent loans | 37.3068% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 7.1005% | 747 |
| Noncurrent loans to loans | 5.4972% | 1,193 |
| Net loans and leases to total assets | 81.8207% | 358 |
| Net loans and leases to deposits | 84.1072% | 2,010 |
| Net loans and leases to core deposits | 87.0370% | 2,732 |
| Total domestic deposits to total assets | 97.2814% | 16 |
| Equity capital to assets | 2.4076% | 7,508 |
| Core capital (leverage) ratio | 2.3906% | 7,509 |
| Tier 1 risk-based capital ratio | 3.0102% | 7,522 |
| Total risk-based capital ratio | 4.2713% | 7,522 |
| Memoranda: | ||
| Average total assets | $569,240,500 | 1,184 |
| Average earning assets | $542,088,000 | 1,128 |
| Average equity | $13,118,000 | 4,308 |
| Average total loans | $452,900,000 | 967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 5,310 |
| Cost of funding earning assets | 2.5386% | 94 |
| Net interest margin | 2.2921% | 7,374 |
| Noninterest income to average assets | -0.0537% | 7,356 |
| Noninterest expense to average assets | 2.0806% | 6,892 |
| Loan and lease loss provision to assets | 2.1985% | 562 |
| Net operating income to assets | -2.1796% | 7,100 |
| Return on assets (ROA) | -2.0884% | 7,089 |
| Pretax return on assets | -2.0884% | 7,050 |
| Return on Equity (ROE) | -67.7552% | 7,511 |
| Retained earnings to average equity (ytd only) | -67.7552% | 7,510 |
| Net charge-offs to loans | 3.3921% | 436 |
| Credit loss provision to net charge-offs | 85.2151% | 5,334 |
| Earnings coverage of net charge-offs (x) | 0.0073% | 6,120 |
| Efficiency ratio | 99.1032% | 814 |
| Assets per employee ($millions) | 13.7093% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,598 |
| Loan loss allowance to noncurrent loans | 41.4111% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 6.8749% | 805 |
| Noncurrent loans to loans | 5.7166% | 1,118 |
| Net loans and leases to total assets | 74.2377% | 1,611 |
| Net loans and leases to deposits | 88.1120% | 1,772 |
| Net loans and leases to core deposits | 91.2717% | 2,578 |
| Total domestic deposits to total assets | 84.2539% | 4,241 |
| Equity capital to assets | 2.2130% | 7,607 |
| Core capital (leverage) ratio | 2.2153% | 7,601 |
| Tier 1 risk-based capital ratio | 3.0107% | 7,604 |
| Total risk-based capital ratio | 4.2755% | 7,604 |
| Memoranda: | ||
| Average total assets | $653,318,800 | 1,021 |
| Average earning assets | $613,716,400 | 986 |
| Average equity | $20,137,200 | 3,130 |
| Average total loans | $496,896,400 | 901 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,294 |
| Cost of funding earning assets | 2.6407% | 81 |
| Net interest margin | 2.2533% | 7,499 |
| Noninterest income to average assets | -0.0527% | 7,500 |
| Noninterest expense to average assets | 2.1904% | 6,630 |
| Loan and lease loss provision to assets | 2.7413% | 353 |
| Net operating income to assets | -2.8741% | 7,426 |
| Return on assets (ROA) | -2.7621% | 7,419 |
| Pretax return on assets | -2.7621% | 7,373 |
| Return on Equity (ROE) | -84.2325% | 7,669 |
| Retained earnings to average equity (ytd only) | -84.2325% | 7,669 |
| Net charge-offs to loans | 4.0042% | 305 |
| Credit loss provision to net charge-offs | 90.0066% | 4,762 |
| Earnings coverage of net charge-offs (x) | -0.0436% | 6,065 |
| Efficiency ratio | 106.4519% | 591 |
| Assets per employee ($millions) | 14.2743% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4908% | 1,342 |
| Loan loss allowance to noncurrent loans | 50.8402% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 5.9804% | 997 |
| Noncurrent loans to loans | 4.8992% | 1,435 |
| Net loans and leases to total assets | 73.7379% | 1,850 |
| Net loans and leases to deposits | 90.4108% | 1,668 |
| Net loans and leases to core deposits | 93.7416% | 2,561 |
| Total domestic deposits to total assets | 81.5587% | 5,177 |
| Equity capital to assets | 2.2219% | 7,721 |
| Core capital (leverage) ratio | 2.1062% | 7,715 |
| Tier 1 risk-based capital ratio | 2.9229% | 7,713 |
| Total risk-based capital ratio | 4.1897% | 7,712 |
| Memoranda: | ||
| Average total assets | $665,846,500 | 1,005 |
| Average earning assets | $623,597,250 | 973 |
| Average equity | $21,834,250 | 2,937 |
| Average total loans | $506,454,000 | 892 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 5,168 |
| Cost of funding earning assets | 2.7034% | 89 |
| Net interest margin | 2.2491% | 7,556 |
| Noninterest income to average assets | -0.0339% | 7,574 |
| Noninterest expense to average assets | 2.0919% | 6,931 |
| Loan and lease loss provision to assets | 1.7018% | 736 |
| Net operating income to assets | -1.7290% | 7,234 |
| Return on assets (ROA) | -1.5642% | 7,182 |
| Pretax return on assets | -1.5642% | 7,099 |
| Return on Equity (ROE) | -43.3839% | 7,559 |
| Retained earnings to average equity (ytd only) | -43.3839% | 7,553 |
| Net charge-offs to loans | 2.6703% | 620 |
| Credit loss provision to net charge-offs | 83.6424% | 4,604 |
| Earnings coverage of net charge-offs (x) | -0.0133% | 5,734 |
| Efficiency ratio | 101.3135% | 759 |
| Assets per employee ($millions) | 14.3496% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 1,315 |
| Loan loss allowance to noncurrent loans | 42.6240% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 6.9636% | 763 |
| Noncurrent loans to loans | 5.8447% | 1,106 |
| Net loans and leases to total assets | 74.0823% | 1,892 |
| Net loans and leases to deposits | 96.8502% | 972 |
| Net loans and leases to core deposits | 100.5947% | 1,956 |
| Total domestic deposits to total assets | 76.4917% | 6,603 |
| Equity capital to assets | 3.3958% | 7,732 |
| Core capital (leverage) ratio | 3.3619% | 7,719 |
| Tier 1 risk-based capital ratio | 4.6607% | 7,719 |
| Total risk-based capital ratio | 5.9276% | 7,721 |
| Memoranda: | ||
| Average total assets | $678,439,330 | 989 |
| Average earning assets | $633,048,330 | 967 |
| Average equity | $24,460,670 | 2,643 |
| Average total loans | $516,954,000 | 881 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 4,780 |
| Cost of funding earning assets | 2.7290% | 109 |
| Net interest margin | 2.3223% | 7,583 |
| Noninterest income to average assets | 0.1762% | 6,698 |
| Noninterest expense to average assets | 2.2320% | 6,603 |
| Loan and lease loss provision to assets | 1.7945% | 633 |
| Net operating income to assets | -1.6868% | 7,383 |
| Return on assets (ROA) | -1.6868% | 7,385 |
| Pretax return on assets | -1.6868% | 7,313 |
| Return on Equity (ROE) | -45.5553% | 7,691 |
| Retained earnings to average equity (ytd only) | -45.5553% | 7,681 |
| Net charge-offs to loans | 3.3041% | 442 |
| Credit loss provision to net charge-offs | 71.1806% | 4,078 |
| Earnings coverage of net charge-offs (x) | 0.0427% | 5,001 |
| Efficiency ratio | 95.3986% | 1,060 |
| Assets per employee ($millions) | 16.0094% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 1,458 |
| Loan loss allowance to noncurrent loans | 43.0275% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 6.9086% | 787 |
| Noncurrent loans to loans | 5.5147% | 1,265 |
| Net loans and leases to total assets | 72.2522% | 2,399 |
| Net loans and leases to deposits | 96.7382% | 1,022 |
| Net loans and leases to core deposits | 100.5753% | 2,075 |
| Total domestic deposits to total assets | 74.6884% | 6,949 |
| Equity capital to assets | 3.5348% | 7,825 |
| Core capital (leverage) ratio | 3.4988% | 7,812 |
| Tier 1 risk-based capital ratio | 5.0289% | 7,798 |
| Total risk-based capital ratio | 6.2946% | 7,800 |
| Memoranda: | ||
| Average total assets | $694,792,500 | 990 |
| Average earning assets | $647,275,500 | 969 |
| Average equity | $25,727,000 | 2,539 |
| Average total loans | $530,133,000 | 886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 6,420 |
| Cost of funding earning assets | 3.4899% | 44 |
| Net interest margin | 1.5140% | 7,864 |
| Noninterest income to average assets | 2.7650% | 245 |
| Noninterest expense to average assets | 4.2958% | 994 |
| Loan and lease loss provision to assets | 2.2925% | 892 |
| Net operating income to assets | -2.4114% | 7,240 |
| Return on assets (ROA) | -2.0826% | 7,121 |
| Pretax return on assets | -2.0826% | 6,973 |
| Return on Equity (ROE) | -43.2722% | 7,612 |
| Retained earnings to average equity (ytd only) | -43.2722% | 7,598 |
| Net charge-offs to loans | 2.5173% | 916 |
| Credit loss provision to net charge-offs | 118.3410% | 4,562 |
| Earnings coverage of net charge-offs (x) | -0.0613% | 6,285 |
| Efficiency ratio | 102.8446% | 981 |
| Assets per employee ($millions) | 6.8076% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 1,330 |
| Loan loss allowance to noncurrent loans | 44.2845% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 6.9172% | 733 |
| Noncurrent loans to loans | 5.4732% | 1,187 |
| Net loans and leases to total assets | 76.6479% | 1,659 |
| Net loans and leases to deposits | 102.5995% | 717 |
| Net loans and leases to core deposits | 144.2853% | 661 |
| Total domestic deposits to total assets | 74.7059% | 6,914 |
| Equity capital to assets | 3.8678% | 7,869 |
| Core capital (leverage) ratio | 3.8523% | 7,857 |
| Tier 1 risk-based capital ratio | 5.3529% | 7,852 |
| Total risk-based capital ratio | 6.6202% | 7,854 |
| Memoranda: | ||
| Average total assets | $781,011,600 | 872 |
| Average earning assets | $728,388,000 | 856 |
| Average equity | $37,587,600 | 1,786 |
| Average total loans | $601,040,200 | 785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 6,575 |
| Cost of funding earning assets | 3.6121% | 44 |
| Net interest margin | 1.3982% | 7,967 |
| Noninterest income to average assets | 3.0226% | 224 |
| Noninterest expense to average assets | 4.4235% | 810 |
| Loan and lease loss provision to assets | 2.6319% | 614 |
| Net operating income to assets | -2.7283% | 7,522 |
| Return on assets (ROA) | -2.3008% | 7,402 |
| Pretax return on assets | -2.3008% | 7,286 |
| Return on Equity (ROE) | -45.8378% | 7,799 |
| Retained earnings to average equity (ytd only) | -45.8378% | 7,796 |
| Net charge-offs to loans | 2.6501% | 683 |
| Credit loss provision to net charge-offs | 129.6409% | 3,865 |
| Earnings coverage of net charge-offs (x) | -0.0475% | 6,126 |
| Efficiency ratio | 102.2274% | 971 |
| Assets per employee ($millions) | 7.0507% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4887% | 1,075 |
| Loan loss allowance to noncurrent loans | 45.4656% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 6.7714% | 721 |
| Noncurrent loans to loans | 5.4738% | 1,141 |
| Net loans and leases to total assets | 73.6871% | 2,626 |
| Net loans and leases to deposits | 100.3424% | 1,076 |
| Net loans and leases to core deposits | 139.4560% | 939 |
| Total domestic deposits to total assets | 73.4357% | 7,034 |
| Equity capital to assets | 3.9186% | 8,002 |
| Core capital (leverage) ratio | 3.9042% | 7,989 |
| Tier 1 risk-based capital ratio | 5.6654% | 7,967 |
| Total risk-based capital ratio | 6.9338% | 7,973 |
| Memoranda: | ||
| Average total assets | $800,969,000 | 865 |
| Average earning assets | $747,314,750 | 842 |
| Average equity | $40,204,500 | 1,685 |
| Average total loans | $613,602,500 | 781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 6,605 |
| Cost of funding earning assets | 3.7124% | 56 |
| Net interest margin | 1.3407% | 8,050 |
| Noninterest income to average assets | 3.7152% | 174 |
| Noninterest expense to average assets | 4.7643% | 606 |
| Loan and lease loss provision to assets | 2.7506% | 557 |
| Net operating income to assets | -2.5495% | 7,572 |
| Return on assets (ROA) | -1.9204% | 7,398 |
| Pretax return on assets | -1.9204% | 7,261 |
| Return on Equity (ROE) | -35.8386% | 7,797 |
| Retained earnings to average equity (ytd only) | -35.8386% | 7,780 |
| Net charge-offs to loans | 2.5203% | 683 |
| Credit loss provision to net charge-offs | 141.8699% | 3,280 |
| Earnings coverage of net charge-offs (x) | 0.1037% | 5,570 |
| Efficiency ratio | 95.9499% | 1,378 |
| Assets per employee ($millions) | 6.8682% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,100 |
| Loan loss allowance to noncurrent loans | 43.7124% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 7.1131% | 587 |
| Noncurrent loans to loans | 5.2596% | 1,133 |
| Net loans and leases to total assets | 76.7158% | 2,012 |
| Net loans and leases to deposits | 105.6137% | 790 |
| Net loans and leases to core deposits | 142.9826% | 890 |
| Total domestic deposits to total assets | 72.6382% | 7,161 |
| Equity capital to assets | 4.5870% | 8,066 |
| Core capital (leverage) ratio | 4.6052% | 8,047 |
| Tier 1 risk-based capital ratio | 6.4604% | 8,035 |
| Total risk-based capital ratio | 7.7261% | 8,041 |
| Memoranda: | ||
| Average total assets | $816,484,670 | 860 |
| Average earning assets | $761,385,330 | 839 |
| Average equity | $43,751,670 | 1,556 |
| Average total loans | $628,103,330 | 781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 6,705 |
| Cost of funding earning assets | 3.7023% | 89 |
| Net interest margin | 1.3782% | 8,089 |
| Noninterest income to average assets | 1.1465% | 1,123 |
| Noninterest expense to average assets | 4.1937% | 946 |
| Loan and lease loss provision to assets | 1.1256% | 1,156 |
| Net operating income to assets | -2.8839% | 7,823 |
| Return on assets (ROA) | -2.0740% | 7,674 |
| Pretax return on assets | -2.0740% | 7,552 |
| Return on Equity (ROE) | -36.3113% | 7,954 |
| Retained earnings to average equity (ytd only) | -36.3113% | 7,926 |
| Net charge-offs to loans | 1.4572% | 990 |
| Credit loss provision to net charge-offs | 101.3722% | 3,683 |
| Earnings coverage of net charge-offs (x) | -1.5836% | 5,435 |
| Efficiency ratio | 172.1994% | 269 |
| Assets per employee ($millions) | 7.8165% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 2,161 |
| Loan loss allowance to noncurrent loans | 32.7770% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 6.5143% | 571 |
| Noncurrent loans to loans | 5.1756% | 1,035 |
| Net loans and leases to total assets | 73.4709% | 2,899 |
| Net loans and leases to deposits | 106.9202% | 798 |
| Net loans and leases to core deposits | 145.4239% | 889 |
| Total domestic deposits to total assets | 68.7157% | 7,545 |
| Equity capital to assets | 5.5674% | 8,064 |
| Core capital (leverage) ratio | 5.4939% | 8,080 |
| Tier 1 risk-based capital ratio | 7.5259% | 8,059 |
| Total risk-based capital ratio | 8.7820% | 8,072 |
| Memoranda: | ||
| Average total assets | $840,107,500 | 840 |
| Average earning assets | $785,675,500 | 814 |
| Average equity | $47,985,000 | 1,434 |
| Average total loans | $640,147,500 | 774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1081% | 4,999 |
| Cost of funding earning assets | 4.5968% | 9 |
| Net interest margin | 1.5113% | 8,183 |
| Noninterest income to average assets | 0.5872% | 3,950 |
| Noninterest expense to average assets | 3.1664% | 3,463 |
| Loan and lease loss provision to assets | 1.8285% | 688 |
| Net operating income to assets | -3.0602% | 7,836 |
| Return on assets (ROA) | -2.5975% | 7,703 |
| Pretax return on assets | -2.5975% | 7,619 |
| Return on Equity (ROE) | -37.2006% | 8,049 |
| Retained earnings to average equity (ytd only) | -37.2006% | 8,012 |
| Net charge-offs to loans | 1.7936% | 612 |
| Credit loss provision to net charge-offs | 131.8945% | 4,037 |
| Earnings coverage of net charge-offs (x) | -0.8885% | 6,576 |
| Efficiency ratio | 163.6671% | 302 |
| Assets per employee ($millions) | 7.7418% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,186 |
| Loan loss allowance to noncurrent loans | 35.9006% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 5.9745% | 502 |
| Noncurrent loans to loans | 4.4945% | 1,065 |
| Net loans and leases to total assets | 76.3920% | 2,523 |
| Net loans and leases to deposits | 113.0740% | 663 |
| Net loans and leases to core deposits | 155.2779% | 680 |
| Total domestic deposits to total assets | 67.5593% | 7,512 |
| Equity capital to assets | 5.8548% | 8,085 |
| Core capital (leverage) ratio | 5.9505% | 8,095 |
| Tier 1 risk-based capital ratio | 7.8866% | 8,100 |
| Total risk-based capital ratio | 9.1417% | 8,131 |
| Memoranda: | ||
| Average total assets | $902,392,000 | 735 |
| Average earning assets | $804,518,200 | 763 |
| Average equity | $63,009,800 | 1,066 |
| Average total loans | $697,475,600 | 683 |