Home > Milton Savings Bank > Performance and Condition Ratios
Milton Savings Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 3,006 |
| Cost of funding earning assets | 0.5962% | 5,166 |
| Net interest margin | 4.1165% | 2,039 |
| Noninterest income to average assets | 0.4144% | 4,562 |
| Noninterest expense to average assets | 4.7912% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6216% | 6,882 |
| Return on assets (ROA) | -0.6216% | 6,905 |
| Pretax return on assets | -0.6216% | 6,872 |
| Return on Equity (ROE) | -8.2616% | 6,956 |
| Retained earnings to average equity (ytd only) | -8.2616% | 6,773 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9068% | 276 |
| Assets per employee ($millions) | 2.1626% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.8113% | 3,292 |
| Net loans and leases to deposits | 67.2440% | 4,185 |
| Net loans and leases to core deposits | 67.2440% | 4,771 |
| Total domestic deposits to total assets | 91.9210% | 276 |
| Equity capital to assets | 7.6364% | 6,719 |
| Core capital (leverage) ratio | 7.5505% | 6,602 |
| Tier 1 risk-based capital ratio | 13.6136% | 4,742 |
| Total risk-based capital ratio | 15.1024% | 4,543 |
| Memoranda: | ||
| Average total assets | $15,445,000 | 7,235 |
| Average earning assets | $14,089,500 | 7,221 |
| Average equity | $1,162,000 | 7,264 |
| Average total loans | $9,834,500 | 7,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 2,724 |
| Cost of funding earning assets | 0.7626% | 5,119 |
| Net interest margin | 4.2748% | 1,785 |
| Noninterest income to average assets | 0.4509% | 4,207 |
| Noninterest expense to average assets | 4.6096% | 522 |
| Loan and lease loss provision to assets | 0.0313% | 6,174 |
| Net operating income to assets | -0.3633% | 6,389 |
| Return on assets (ROA) | -0.3633% | 6,438 |
| Pretax return on assets | -0.3633% | 6,395 |
| Return on Equity (ROE) | -4.8285% | 6,521 |
| Retained earnings to average equity (ytd only) | -4.8285% | 6,435 |
| Net charge-offs to loans | 0.0269% | 6,053 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | -17.6667% | 6,407 |
| Efficiency ratio | 107.7599% | 482 |
| Assets per employee ($millions) | 2.2503% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 5,931 |
| Loan loss allowance to noncurrent loans | 61.2360% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1300% | 4,346 |
| Noncurrent loans to loans | 1.7446% | 3,541 |
| Net loans and leases to total assets | 64.0808% | 3,175 |
| Net loans and leases to deposits | 69.4940% | 4,194 |
| Net loans and leases to core deposits | 69.4940% | 4,849 |
| Total domestic deposits to total assets | 92.2105% | 211 |
| Equity capital to assets | 7.4149% | 6,851 |
| Core capital (leverage) ratio | 6.8067% | 6,918 |
| Tier 1 risk-based capital ratio | 12.0059% | 5,832 |
| Total risk-based capital ratio | 13.3799% | 5,722 |
| Memoranda: | ||
| Average total assets | $15,966,800 | 7,274 |
| Average earning assets | $14,293,000 | 7,258 |
| Average equity | $1,201,200 | 7,314 |
| Average total loans | $11,134,800 | 7,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 2,650 |
| Cost of funding earning assets | 0.7831% | 5,260 |
| Net interest margin | 4.3066% | 1,688 |
| Noninterest income to average assets | 0.4660% | 4,160 |
| Noninterest expense to average assets | 4.5524% | 552 |
| Loan and lease loss provision to assets | 0.0416% | 5,914 |
| Net operating income to assets | -0.2829% | 6,466 |
| Return on assets (ROA) | -0.2829% | 6,534 |
| Pretax return on assets | -0.2829% | 6,480 |
| Return on Equity (ROE) | -3.7478% | 6,614 |
| Retained earnings to average equity (ytd only) | -3.7478% | 6,492 |
| Net charge-offs to loans | 0.0352% | 5,652 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | -9.6675% | 6,134 |
| Efficiency ratio | 105.5985% | 513 |
| Assets per employee ($millions) | 2.2511% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,194 |
| Loan loss allowance to noncurrent loans | 60.5556% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 4,503 |
| Noncurrent loans to loans | 1.6763% | 3,791 |
| Net loans and leases to total assets | 67.4515% | 2,583 |
| Net loans and leases to deposits | 73.2883% | 3,765 |
| Net loans and leases to core deposits | 73.2883% | 4,551 |
| Total domestic deposits to total assets | 92.0358% | 209 |
| Equity capital to assets | 7.5644% | 6,913 |
| Core capital (leverage) ratio | 6.9347% | 6,977 |
| Tier 1 risk-based capital ratio | 12.0802% | 5,840 |
| Total risk-based capital ratio | 13.4213% | 5,753 |
| Memoranda: | ||
| Average total assets | $16,020,500 | 7,349 |
| Average earning assets | $14,303,000 | 7,334 |
| Average equity | $1,209,500 | 7,390 |
| Average total loans | $11,367,750 | 7,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 2,536 |
| Cost of funding earning assets | 0.7748% | 5,536 |
| Net interest margin | 4.3584% | 1,489 |
| Noninterest income to average assets | 0.4470% | 4,306 |
| Noninterest expense to average assets | 4.5443% | 567 |
| Loan and lease loss provision to assets | 0.0497% | 5,693 |
| Net operating income to assets | -0.2359% | 6,503 |
| Return on assets (ROA) | -0.2359% | 6,541 |
| Pretax return on assets | -0.2359% | 6,486 |
| Return on Equity (ROE) | -3.1267% | 6,600 |
| Retained earnings to average equity (ytd only) | -3.1267% | 6,387 |
| Net charge-offs to loans | 0.0345% | 5,369 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 5,815 |
| Efficiency ratio | 104.2735% | 610 |
| Assets per employee ($millions) | 2.2661% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,450 |
| Loan loss allowance to noncurrent loans | 48.6607% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 4,098 |
| Noncurrent loans to loans | 1.9925% | 3,492 |
| Net loans and leases to total assets | 70.1822% | 2,186 |
| Net loans and leases to deposits | 76.2273% | 3,422 |
| Net loans and leases to core deposits | 76.2273% | 4,289 |
| Total domestic deposits to total assets | 92.0696% | 223 |
| Equity capital to assets | 7.6215% | 6,893 |
| Core capital (leverage) ratio | 7.0021% | 6,996 |
| Tier 1 risk-based capital ratio | 11.8765% | 5,880 |
| Total risk-based capital ratio | 13.0407% | 5,933 |
| Memoranda: | ||
| Average total assets | $16,108,000 | 7,420 |
| Average earning assets | $14,455,000 | 7,405 |
| Average equity | $1,215,330 | 7,462 |
| Average total loans | $11,577,670 | 7,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 2,473 |
| Cost of funding earning assets | 0.7972% | 5,587 |
| Net interest margin | 4.3432% | 1,439 |
| Noninterest income to average assets | 0.4190% | 4,549 |
| Noninterest expense to average assets | 4.3868% | 661 |
| Loan and lease loss provision to assets | 0.0739% | 5,075 |
| Net operating income to assets | -0.1479% | 6,502 |
| Return on assets (ROA) | -0.1479% | 6,521 |
| Pretax return on assets | -0.1479% | 6,490 |
| Return on Equity (ROE) | -1.9696% | 6,581 |
| Retained earnings to average equity (ytd only) | -1.9696% | 6,139 |
| Net charge-offs to loans | 0.0681% | 4,243 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 4,935 |
| Efficiency ratio | 101.7143% | 684 |
| Assets per employee ($millions) | 2.2959% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,618 |
| Loan loss allowance to noncurrent loans | 114.8936% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 5,803 |
| Noncurrent loans to loans | 0.8104% | 5,412 |
| Net loans and leases to total assets | 71.5015% | 1,813 |
| Net loans and leases to deposits | 77.5528% | 3,145 |
| Net loans and leases to core deposits | 77.5528% | 4,081 |
| Total domestic deposits to total assets | 92.1971% | 244 |
| Equity capital to assets | 7.5602% | 6,836 |
| Core capital (leverage) ratio | 6.9954% | 7,012 |
| Tier 1 risk-based capital ratio | 11.4191% | 6,161 |
| Total risk-based capital ratio | 12.5322% | 6,254 |
| Memoranda: | ||
| Average total assets | $16,230,500 | 7,477 |
| Average earning assets | $14,551,500 | 7,463 |
| Average equity | $1,218,500 | 7,519 |
| Average total loans | $11,745,500 | 7,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 2,172 |
| Cost of funding earning assets | 1.0911% | 5,181 |
| Net interest margin | 4.4365% | 1,383 |
| Noninterest income to average assets | 0.4506% | 4,506 |
| Noninterest expense to average assets | 4.3641% | 758 |
| Loan and lease loss provision to assets | -0.1186% | 7,609 |
| Net operating income to assets | 0.2075% | 5,249 |
| Return on assets (ROA) | 0.2787% | 5,174 |
| Pretax return on assets | 0.2787% | 5,290 |
| Return on Equity (ROE) | 3.8506% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.8506% | 3,167 |
| Net charge-offs to loans | -0.1505% | 7,529 |
| Credit loss provision to net charge-offs | 105.2632% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0027% | 870 |
| Assets per employee ($millions) | 2.3414% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,726 |
| Loan loss allowance to noncurrent loans | 117.5824% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 5,918 |
| Noncurrent loans to loans | 0.7652% | 5,518 |
| Net loans and leases to total assets | 71.9036% | 2,121 |
| Net loans and leases to deposits | 77.9225% | 3,523 |
| Net loans and leases to core deposits | 77.9225% | 4,467 |
| Total domestic deposits to total assets | 92.2758% | 222 |
| Equity capital to assets | 7.4558% | 6,905 |
| Core capital (leverage) ratio | 7.1214% | 6,960 |
| Tier 1 risk-based capital ratio | 11.5111% | 5,901 |
| Total risk-based capital ratio | 12.5692% | 6,064 |
| Memoranda: | ||
| Average total assets | $16,865,000 | 7,539 |
| Average earning assets | $15,214,600 | 7,520 |
| Average equity | $1,220,600 | 7,614 |
| Average total loans | $12,622,200 | 7,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 2,679 |
| Cost of funding earning assets | 1.1562% | 5,109 |
| Net interest margin | 4.2858% | 1,894 |
| Noninterest income to average assets | 0.4631% | 4,467 |
| Noninterest expense to average assets | 4.2549% | 774 |
| Loan and lease loss provision to assets | -0.1727% | 7,710 |
| Net operating income to assets | 0.2512% | 5,347 |
| Return on assets (ROA) | 0.3454% | 5,160 |
| Pretax return on assets | 0.3454% | 5,383 |
| Return on Equity (ROE) | 4.8080% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.8080% | 3,124 |
| Net charge-offs to loans | -0.1978% | 7,617 |
| Credit loss provision to net charge-offs | 115.7895% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1884% | 812 |
| Assets per employee ($millions) | 2.3443% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 6,944 |
| Loan loss allowance to noncurrent loans | 23.4375% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 2.7300% | 2,653 |
| Noncurrent loans to loans | 3.5251% | 2,237 |
| Net loans and leases to total assets | 76.8068% | 1,258 |
| Net loans and leases to deposits | 83.2992% | 2,839 |
| Net loans and leases to core deposits | 83.2992% | 4,050 |
| Total domestic deposits to total assets | 92.2060% | 163 |
| Equity capital to assets | 7.5625% | 7,088 |
| Core capital (leverage) ratio | 7.0100% | 7,160 |
| Tier 1 risk-based capital ratio | 11.2914% | 6,106 |
| Total risk-based capital ratio | 12.4654% | 6,170 |
| Memoranda: | ||
| Average total assets | $16,983,750 | 7,629 |
| Average earning assets | $15,337,250 | 7,610 |
| Average equity | $1,220,250 | 7,711 |
| Average total loans | $12,804,750 | 7,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 2,361 |
| Cost of funding earning assets | 1.1986% | 5,137 |
| Net interest margin | 4.3433% | 1,626 |
| Noninterest income to average assets | 0.4541% | 4,479 |
| Noninterest expense to average assets | 4.3202% | 708 |
| Loan and lease loss provision to assets | -0.2562% | 7,788 |
| Net operating income to assets | 0.3144% | 5,120 |
| Return on assets (ROA) | 0.4541% | 4,693 |
| Pretax return on assets | 0.4541% | 5,051 |
| Return on Equity (ROE) | 6.4286% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.4286% | 2,109 |
| Net charge-offs to loans | -0.2804% | 7,682 |
| Credit loss provision to net charge-offs | 122.2222% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6702% | 854 |
| Assets per employee ($millions) | 2.4876% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 6,934 |
| Loan loss allowance to noncurrent loans | 26.3291% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 2.2684% | 3,168 |
| Noncurrent loans to loans | 3.1945% | 2,508 |
| Net loans and leases to total assets | 70.4129% | 2,813 |
| Net loans and leases to deposits | 76.0561% | 4,325 |
| Net loans and leases to core deposits | 76.0561% | 5,187 |
| Total domestic deposits to total assets | 92.5803% | 140 |
| Equity capital to assets | 7.0579% | 7,323 |
| Core capital (leverage) ratio | 6.9975% | 7,196 |
| Tier 1 risk-based capital ratio | 11.1529% | 6,092 |
| Total risk-based capital ratio | 12.1873% | 6,289 |
| Memoranda: | ||
| Average total assets | $17,175,000 | 7,688 |
| Average earning assets | $15,518,000 | 7,668 |
| Average equity | $1,213,330 | 7,779 |
| Average total loans | $12,836,670 | 7,409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 1,587 |
| Cost of funding earning assets | 1.2460% | 5,136 |
| Net interest margin | 4.5167% | 1,105 |
| Noninterest income to average assets | 0.4925% | 4,101 |
| Noninterest expense to average assets | 4.4794% | 593 |
| Loan and lease loss provision to assets | -0.5159% | 7,901 |
| Net operating income to assets | 0.6098% | 3,851 |
| Return on assets (ROA) | 0.6098% | 3,998 |
| Pretax return on assets | 0.6098% | 4,565 |
| Return on Equity (ROE) | 8.6271% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.6271% | 1,498 |
| Net charge-offs to loans | -0.4284% | 7,783 |
| Credit loss provision to net charge-offs | 157.1429% | 2,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9487% | 927 |
| Assets per employee ($millions) | 2.4219% | 7,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 7,189 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 6,141 |
| Noncurrent loans to loans | 0.7126% | 5,908 |
| Net loans and leases to total assets | 75.5677% | 1,626 |
| Net loans and leases to deposits | 81.7289% | 3,334 |
| Net loans and leases to core deposits | 81.7289% | 4,534 |
| Total domestic deposits to total assets | 92.4615% | 170 |
| Equity capital to assets | 7.1846% | 7,295 |
| Core capital (leverage) ratio | 6.7776% | 7,361 |
| Tier 1 risk-based capital ratio | 10.5517% | 6,583 |
| Total risk-based capital ratio | 11.4806% | 6,856 |
| Memoranda: | ||
| Average total assets | $17,056,000 | 7,793 |
| Average earning assets | $15,409,500 | 7,774 |
| Average equity | $1,205,500 | 7,868 |
| Average total loans | $13,072,500 | 7,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4595% | 4,392 |
| Cost of funding earning assets | 1.7925% | 4,027 |
| Net interest margin | 3.6670% | 4,272 |
| Noninterest income to average assets | 0.5280% | 4,195 |
| Noninterest expense to average assets | 4.3561% | 926 |
| Loan and lease loss provision to assets | 0.6944% | 3,044 |
| Net operating income to assets | -1.1593% | 6,688 |
| Return on assets (ROA) | -1.1593% | 6,690 |
| Pretax return on assets | -1.1880% | 6,534 |
| Return on Equity (ROE) | -15.8456% | 6,978 |
| Retained earnings to average equity (ytd only) | -15.8456% | 6,930 |
| Net charge-offs to loans | 1.1639% | 2,102 |
| Credit loss provision to net charge-offs | 78.0645% | 6,339 |
| Earnings coverage of net charge-offs (x) | -0.5548% | 6,724 |
| Efficiency ratio | 112.7786% | 749 |
| Assets per employee ($millions) | 2.4513% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 7,083 |
| Loan loss allowance to noncurrent loans | 44.4444% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 4,288 |
| Noncurrent loans to loans | 1.8362% | 3,878 |
| Net loans and leases to total assets | 76.4963% | 1,695 |
| Net loans and leases to deposits | 82.5794% | 3,529 |
| Net loans and leases to core deposits | 94.4249% | 4,630 |
| Total domestic deposits to total assets | 92.6336% | 163 |
| Equity capital to assets | 6.9526% | 7,390 |
| Core capital (leverage) ratio | 6.7320% | 7,398 |
| Tier 1 risk-based capital ratio | 10.6873% | 6,218 |
| Total risk-based capital ratio | 11.6705% | 6,453 |
| Memoranda: | ||
| Average total assets | $17,424,000 | 7,844 |
| Average earning assets | $15,844,000 | 7,823 |
| Average equity | $1,274,800 | 7,952 |
| Average total loans | $13,317,400 | 7,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9978% | 2,051 |
| Cost of funding earning assets | 1.8989% | 3,895 |
| Net interest margin | 4.0989% | 2,401 |
| Noninterest income to average assets | 0.5489% | 4,088 |
| Noninterest expense to average assets | 4.7721% | 576 |
| Loan and lease loss provision to assets | 0.9224% | 2,082 |
| Net operating income to assets | -1.3721% | 7,050 |
| Return on assets (ROA) | -1.3721% | 7,046 |
| Pretax return on assets | -1.4103% | 6,919 |
| Return on Equity (ROE) | -18.5285% | 7,326 |
| Retained earnings to average equity (ytd only) | -18.5285% | 7,290 |
| Net charge-offs to loans | 1.0296% | 1,917 |
| Credit loss provision to net charge-offs | 117.4757% | 4,332 |
| Earnings coverage of net charge-offs (x) | -0.6214% | 6,531 |
| Efficiency ratio | 111.3879% | 740 |
| Assets per employee ($millions) | 2.4237% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,156 |
| Loan loss allowance to noncurrent loans | 58.6081% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,934 |
| Noncurrent loans to loans | 2.0358% | 3,588 |
| Net loans and leases to total assets | 78.0974% | 1,548 |
| Net loans and leases to deposits | 85.6607% | 3,385 |
| Net loans and leases to core deposits | 98.8954% | 4,499 |
| Total domestic deposits to total assets | 91.1706% | 353 |
| Equity capital to assets | 7.1319% | 7,534 |
| Core capital (leverage) ratio | 7.0312% | 7,414 |
| Tier 1 risk-based capital ratio | 11.2841% | 5,646 |
| Total risk-based capital ratio | 12.5389% | 5,590 |
| Memoranda: | ||
| Average total assets | $17,490,250 | 7,920 |
| Average earning assets | $15,938,750 | 7,899 |
| Average equity | $1,295,250 | 8,034 |
| Average total loans | $13,338,250 | 7,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 5,430 |
| Cost of funding earning assets | 1.9384% | 4,072 |
| Net interest margin | 3.4046% | 5,145 |
| Noninterest income to average assets | 0.6227% | 3,520 |
| Noninterest expense to average assets | 4.5174% | 768 |
| Loan and lease loss provision to assets | 0.5208% | 2,942 |
| Net operating income to assets | -0.8038% | 6,834 |
| Return on assets (ROA) | -0.8038% | 6,835 |
| Pretax return on assets | -1.3133% | 6,997 |
| Return on Equity (ROE) | -10.7277% | 7,093 |
| Retained earnings to average equity (ytd only) | -10.7277% | 6,950 |
| Net charge-offs to loans | 0.1202% | 4,960 |
| Credit loss provision to net charge-offs | 575.0000% | 811 |
| Earnings coverage of net charge-offs (x) | -8.7500% | 6,514 |
| Efficiency ratio | 121.2766% | 645 |
| Assets per employee ($millions) | 2.5351% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,138 |
| Loan loss allowance to noncurrent loans | 61.6438% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 3,737 |
| Noncurrent loans to loans | 2.1474% | 3,315 |
| Net loans and leases to total assets | 75.6114% | 2,284 |
| Net loans and leases to deposits | 82.1376% | 4,206 |
| Net loans and leases to core deposits | 93.4141% | 5,182 |
| Total domestic deposits to total assets | 92.0545% | 202 |
| Equity capital to assets | 7.3200% | 7,404 |
| Core capital (leverage) ratio | 7.4288% | 7,103 |
| Tier 1 risk-based capital ratio | 11.7133% | 5,184 |
| Total risk-based capital ratio | 12.9666% | 5,110 |
| Memoranda: | ||
| Average total assets | $17,665,000 | 7,997 |
| Average earning assets | $16,096,000 | 7,972 |
| Average equity | $1,323,670 | 8,115 |
| Average total loans | $13,314,330 | 7,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 5,608 |
| Cost of funding earning assets | 2.0354% | 3,952 |
| Net interest margin | 3.3261% | 5,416 |
| Noninterest income to average assets | 0.4085% | 5,146 |
| Noninterest expense to average assets | 4.4937% | 712 |
| Loan and lease loss provision to assets | 0.1135% | 5,512 |
| Net operating income to assets | -0.6582% | 7,014 |
| Return on assets (ROA) | -0.6582% | 7,054 |
| Pretax return on assets | -1.1575% | 7,230 |
| Return on Equity (ROE) | -8.6826% | 7,281 |
| Retained earnings to average equity (ytd only) | -8.6826% | 6,981 |
| Net charge-offs to loans | 0.1518% | 3,745 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -9.2000% | 5,612 |
| Efficiency ratio | 130.2632% | 501 |
| Assets per employee ($millions) | 2.4773% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,713 |
| Loan loss allowance to noncurrent loans | 71.3568% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,378 |
| Noncurrent loans to loans | 1.4938% | 4,051 |
| Net loans and leases to total assets | 76.0048% | 2,264 |
| Net loans and leases to deposits | 82.7370% | 4,171 |
| Net loans and leases to core deposits | 97.6152% | 4,784 |
| Total domestic deposits to total assets | 91.8632% | 200 |
| Equity capital to assets | 7.5486% | 7,313 |
| Core capital (leverage) ratio | 7.7250% | 6,858 |
| Tier 1 risk-based capital ratio | 12.6681% | 4,420 |
| Total risk-based capital ratio | 13.9189% | 4,337 |
| Memoranda: | ||
| Average total assets | $17,624,500 | 8,045 |
| Average earning assets | $16,115,000 | 8,022 |
| Average equity | $1,336,000 | 8,174 |
| Average total loans | $13,172,500 | 7,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 7,632 |
| Cost of funding earning assets | 2.4864% | 4,278 |
| Net interest margin | 2.7840% | 7,356 |
| Noninterest income to average assets | 0.5264% | 4,413 |
| Noninterest expense to average assets | 4.1493% | 1,205 |
| Loan and lease loss provision to assets | 0.3396% | 3,676 |
| Net operating income to assets | -1.0076% | 7,255 |
| Return on assets (ROA) | -1.0076% | 7,175 |
| Pretax return on assets | -1.4208% | 7,221 |
| Return on Equity (ROE) | -12.1336% | 7,432 |
| Retained earnings to average equity (ytd only) | -12.1336% | 7,252 |
| Net charge-offs to loans | 0.0561% | 5,976 |
| Credit loss provision to net charge-offs | 857.1429% | 513 |
| Earnings coverage of net charge-offs (x) | -27.2857% | 6,953 |
| Efficiency ratio | 135.2399% | 431 |
| Assets per employee ($millions) | 2.5583% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,349 |
| Loan loss allowance to noncurrent loans | 71.3568% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 4,053 |
| Noncurrent loans to loans | 1.5281% | 3,499 |
| Net loans and leases to total assets | 71.9287% | 3,604 |
| Net loans and leases to deposits | 78.5044% | 5,267 |
| Net loans and leases to core deposits | 92.1256% | 5,624 |
| Total domestic deposits to total assets | 91.6239% | 187 |
| Equity capital to assets | 7.6111% | 7,291 |
| Core capital (leverage) ratio | 7.7872% | 6,821 |
| Tier 1 risk-based capital ratio | 13.2028% | 3,990 |
| Total risk-based capital ratio | 14.4502% | 3,909 |
| Memoranda: | ||
| Average total assets | $17,665,800 | 8,086 |
| Average earning assets | $16,128,000 | 8,067 |
| Average equity | $1,467,000 | 8,224 |
| Average total loans | $12,470,400 | 7,806 |