Home > Monadnock Community Bank > Performance and Condition Ratios
Monadnock Community Bank, Performance and Condition Ratios
| 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 | NA | NA |
| Cost of funding earning assets | NA | NA |
| Net interest margin | NA | NA |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 66.8305% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -196.5602% | 7,019 |
| Return on assets (ROA) | -196.5602% | 7,019 |
| Pretax return on assets | -66.8305% | 7,019 |
| Return on Equity (ROE) | -254.7771% | 7,017 |
| Retained earnings to average equity (ytd only) | -254.7771% | 7,017 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,027 |
| Equity capital to assets | 53.5000% | 39 |
| Core capital (leverage) ratio | 51.9417% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,500 | 7,028 |
| Average earning assets | NA | NA |
| Average equity | $157,000 | 7,017 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 2,120 |
| Cost of funding earning assets | 2.1351% | 16 |
| Net interest margin | 2.6846% | 6,538 |
| Noninterest income to average assets | 0.2217% | 5,852 |
| Noninterest expense to average assets | 5.8293% | 237 |
| Loan and lease loss provision to assets | -0.0739% | 6,899 |
| Net operating income to assets | -3.0191% | 7,007 |
| Return on assets (ROA) | -2.8696% | 7,005 |
| Pretax return on assets | -2.8568% | 7,006 |
| Return on Equity (ROE) | -33.6093% | 6,972 |
| Retained earnings to average equity (ytd only) | -71.2458% | 7,050 |
| Net charge-offs to loans | 0.3144% | 3,068 |
| Credit loss provision to net charge-offs | -37.3984% | 6,263 |
| Earnings coverage of net charge-offs (x) | -15.5854% | 5,956 |
| Efficiency ratio | 212.0397% | 34 |
| Assets per employee ($millions) | 0.0129% | 7,067 |
| Cash dividends to net income (ytd only)* | -111.9821% | 7,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,090 |
| Equity capital to assets | 100.0000% | 1 |
| Core capital (leverage) ratio | 100.0000% | 2 |
| Tier 1 risk-based capital ratio | 2,957.1429% | 3 |
| Total risk-based capital ratio | 2,957.1429% | 3 |
| Memoranda: | ||
| Average total assets | $62,237,600 | 5,867 |
| Average earning assets | $58,593,200 | 5,794 |
| Average equity | $5,314,000 | 6,202 |
| Average total loans | $39,125,400 | 5,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 5,566 |
| Cost of funding earning assets | 1.7749% | 62 |
| Net interest margin | 2.2063% | 6,987 |
| Noninterest income to average assets | 0.2075% | 6,048 |
| Noninterest expense to average assets | 4.3834% | 611 |
| Loan and lease loss provision to assets | -0.0806% | 7,021 |
| Net operating income to assets | -2.0305% | 7,039 |
| Return on assets (ROA) | -1.8710% | 7,036 |
| Pretax return on assets | -1.8573% | 7,014 |
| Return on Equity (ROE) | -22.0708% | 7,011 |
| Retained earnings to average equity (ytd only) | -22.0708% | 6,996 |
| Net charge-offs to loans | 0.3435% | 2,734 |
| Credit loss provision to net charge-offs | -37.3016% | 6,151 |
| Earnings coverage of net charge-offs (x) | -9.7061% | 5,739 |
| Efficiency ratio | 191.7479% | 42 |
| Assets per employee ($millions) | 4.3222% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,985 |
| Loan loss allowance to noncurrent loans | 121.7119% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 3,364 |
| Noncurrent loans to loans | 1.0380% | 4,367 |
| Net loans and leases to total assets | 62.0085% | 3,375 |
| Net loans and leases to deposits | 110.3971% | 153 |
| Net loans and leases to core deposits | 110.3971% | 551 |
| Total domestic deposits to total assets | 56.1686% | 7,091 |
| Equity capital to assets | 8.3496% | 6,385 |
| Core capital (leverage) ratio | 8.0718% | 6,262 |
| Tier 1 risk-based capital ratio | 15.8764% | 3,336 |
| Total risk-based capital ratio | 17.1303% | 3,304 |
| Memoranda: | ||
| Average total assets | $77,745,250 | 5,465 |
| Average earning assets | $73,241,500 | 5,393 |
| Average equity | $6,590,750 | 5,936 |
| Average total loans | $48,906,750 | 5,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 5,587 |
| Cost of funding earning assets | 1.7977% | 68 |
| Net interest margin | 2.2236% | 7,038 |
| Noninterest income to average assets | 0.2173% | 6,009 |
| Noninterest expense to average assets | 4.6610% | 472 |
| Loan and lease loss provision to assets | -0.1162% | 7,115 |
| Net operating income to assets | -2.2509% | 7,100 |
| Return on assets (ROA) | -2.0160% | 7,077 |
| Pretax return on assets | -1.9958% | 7,064 |
| Return on Equity (ROE) | -23.6701% | 7,064 |
| Retained earnings to average equity (ytd only) | -23.6701% | 7,049 |
| Net charge-offs to loans | 0.1445% | 3,764 |
| Credit loss provision to net charge-offs | -127.7778% | 6,081 |
| Earnings coverage of net charge-offs (x) | -25.8056% | 5,486 |
| Efficiency ratio | 201.4192% | 39 |
| Assets per employee ($millions) | 4.2067% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,468 |
| Loan loss allowance to noncurrent loans | 133.4653% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 4,586 |
| Noncurrent loans to loans | 1.0487% | 4,420 |
| Net loans and leases to total assets | 62.7065% | 3,286 |
| Net loans and leases to deposits | 111.8619% | 128 |
| Net loans and leases to core deposits | 111.8619% | 513 |
| Total domestic deposits to total assets | 56.0571% | 7,161 |
| Equity capital to assets | 8.4125% | 6,292 |
| Core capital (leverage) ratio | 8.2015% | 6,049 |
| Tier 1 risk-based capital ratio | 16.2484% | 3,033 |
| Total risk-based capital ratio | 17.5045% | 2,999 |
| Memoranda: | ||
| Average total assets | $79,168,000 | 5,459 |
| Average earning assets | $74,652,670 | 5,375 |
| Average equity | $6,742,670 | 5,917 |
| Average total loans | $49,827,330 | 5,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 5,706 |
| Cost of funding earning assets | 1.8254% | 78 |
| Net interest margin | 2.1926% | 7,095 |
| Noninterest income to average assets | 0.2324% | 5,962 |
| Noninterest expense to average assets | 4.9894% | 366 |
| Loan and lease loss provision to assets | -0.2324% | 7,214 |
| Net operating income to assets | -2.4972% | 7,192 |
| Return on assets (ROA) | -2.0373% | 7,161 |
| Pretax return on assets | -1.9977% | 7,139 |
| Return on Equity (ROE) | -23.7841% | 7,136 |
| Retained earnings to average equity (ytd only) | -23.7841% | 7,085 |
| Net charge-offs to loans | -0.0711% | 6,670 |
| Credit loss provision to net charge-offs | 522.2222% | 633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 216.9892% | 35 |
| Assets per employee ($millions) | 4.4006% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 4,411 |
| Loan loss allowance to noncurrent loans | 105.4332% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8597% | 4,803 |
| Noncurrent loans to loans | 1.3675% | 4,068 |
| Net loans and leases to total assets | 61.9631% | 3,262 |
| Net loans and leases to deposits | 105.5732% | 215 |
| Net loans and leases to core deposits | 105.5732% | 687 |
| Total domestic deposits to total assets | 58.6921% | 7,207 |
| Equity capital to assets | 8.4510% | 6,127 |
| Core capital (leverage) ratio | 8.2970% | 5,878 |
| Tier 1 risk-based capital ratio | 16.7925% | 2,763 |
| Total risk-based capital ratio | 18.0492% | 2,718 |
| Memoranda: | ||
| Average total assets | $80,891,500 | 5,446 |
| Average earning assets | $76,258,000 | 5,356 |
| Average equity | $6,929,000 | 5,893 |
| Average total loans | $50,663,000 | 5,199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 6,467 |
| Cost of funding earning assets | 2.0688% | 73 |
| Net interest margin | 1.9234% | 7,236 |
| Noninterest income to average assets | 0.1107% | 6,598 |
| Noninterest expense to average assets | 3.2042% | 2,847 |
| Loan and lease loss provision to assets | 1.1071% | 816 |
| Net operating income to assets | -3.0419% | 7,176 |
| Return on assets (ROA) | -2.8560% | 7,171 |
| Pretax return on assets | -2.2229% | 7,071 |
| Return on Equity (ROE) | -30.2186% | 7,094 |
| Retained earnings to average equity (ytd only) | -30.2186% | 7,087 |
| Net charge-offs to loans | 2.4151% | 492 |
| Credit loss provision to net charge-offs | 75.9027% | 4,639 |
| Earnings coverage of net charge-offs (x) | -0.8924% | 6,174 |
| Efficiency ratio | 168.4181% | 97 |
| Assets per employee ($millions) | 4.5874% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,160 |
| Loan loss allowance to noncurrent loans | 73.9003% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 3,382 |
| Noncurrent loans to loans | 1.9854% | 3,230 |
| Net loans and leases to total assets | 61.4862% | 3,696 |
| Net loans and leases to deposits | 103.7350% | 315 |
| Net loans and leases to core deposits | 103.7350% | 918 |
| Total domestic deposits to total assets | 59.2724% | 7,236 |
| Equity capital to assets | 8.6760% | 5,923 |
| Core capital (leverage) ratio | 8.4542% | 5,633 |
| Tier 1 risk-based capital ratio | 16.5616% | 2,795 |
| Total risk-based capital ratio | 17.8173% | 2,762 |
| Memoranda: | ||
| Average total assets | $93,033,600 | 5,099 |
| Average earning assets | $86,670,000 | 5,039 |
| Average equity | $8,792,600 | 5,340 |
| Average total loans | $56,187,000 | 5,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 6,594 |
| Cost of funding earning assets | 2.0953% | 79 |
| Net interest margin | 1.9019% | 7,320 |
| Noninterest income to average assets | 0.0767% | 6,857 |
| Noninterest expense to average assets | 3.2047% | 2,818 |
| Loan and lease loss provision to assets | 0.9061% | 984 |
| Net operating income to assets | -1.4047% | 7,018 |
| Return on assets (ROA) | -1.2504% | 6,996 |
| Pretax return on assets | -2.0240% | 7,127 |
| Return on Equity (ROE) | -13.0000% | 6,972 |
| Retained earnings to average equity (ytd only) | -13.0000% | 6,947 |
| Net charge-offs to loans | 2.7293% | 379 |
| Credit loss provision to net charge-offs | 55.3663% | 4,914 |
| Earnings coverage of net charge-offs (x) | -0.8305% | 5,908 |
| Efficiency ratio | 173.6405% | 89 |
| Assets per employee ($millions) | 5.1749% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 6,003 |
| Loan loss allowance to noncurrent loans | 58.7802% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7221% | 3,512 |
| Noncurrent loans to loans | 1.8153% | 3,621 |
| Net loans and leases to total assets | 58.9151% | 4,341 |
| Net loans and leases to deposits | 110.6368% | 168 |
| Net loans and leases to core deposits | 110.6368% | 648 |
| Total domestic deposits to total assets | 53.2510% | 7,349 |
| Equity capital to assets | 9.9700% | 4,383 |
| Core capital (leverage) ratio | 8.7600% | 5,323 |
| Tier 1 risk-based capital ratio | 16.8317% | 2,706 |
| Total risk-based capital ratio | 18.0699% | 2,684 |
| Memoranda: | ||
| Average total assets | $95,648,750 | 5,051 |
| Average earning assets | $88,959,500 | 4,992 |
| Average equity | $9,199,750 | 5,259 |
| Average total loans | $57,352,000 | 5,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 6,617 |
| Cost of funding earning assets | 2.0866% | 106 |
| Net interest margin | 1.9421% | 7,381 |
| Noninterest income to average assets | 0.0978% | 6,838 |
| Noninterest expense to average assets | 3.2706% | 2,667 |
| Loan and lease loss provision to assets | 1.1303% | 712 |
| Net operating income to assets | -1.5474% | 7,108 |
| Return on assets (ROA) | -1.4093% | 7,082 |
| Pretax return on assets | -2.2809% | 7,218 |
| Return on Equity (ROE) | -14.8138% | 7,058 |
| Retained earnings to average equity (ytd only) | -14.8138% | 7,030 |
| Net charge-offs to loans | 2.9082% | 366 |
| Credit loss provision to net charge-offs | 64.6853% | 4,211 |
| Earnings coverage of net charge-offs (x) | -0.7821% | 5,598 |
| Efficiency ratio | 171.7647% | 95 |
| Assets per employee ($millions) | 5.2680% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,374 |
| Loan loss allowance to noncurrent loans | 65.7384% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 3,301 |
| Noncurrent loans to loans | 2.1969% | 3,229 |
| Net loans and leases to total assets | 56.0628% | 4,984 |
| Net loans and leases to deposits | 105.7994% | 273 |
| Net loans and leases to core deposits | 106.3326% | 908 |
| Total domestic deposits to total assets | 52.9897% | 7,415 |
| Equity capital to assets | 9.5398% | 4,750 |
| Core capital (leverage) ratio | 8.5152% | 5,525 |
| Tier 1 risk-based capital ratio | 17.0188% | 2,511 |
| Total risk-based capital ratio | 18.2738% | 2,486 |
| Memoranda: | ||
| Average total assets | $98,207,000 | 5,018 |
| Average earning assets | $91,342,670 | 4,953 |
| Average equity | $9,342,670 | 5,223 |
| Average total loans | $59,006,330 | 5,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 6,655 |
| Cost of funding earning assets | 2.0899% | 128 |
| Net interest margin | 1.9311% | 7,425 |
| Noninterest income to average assets | 0.2162% | 6,188 |
| Noninterest expense to average assets | 3.3554% | 2,395 |
| Loan and lease loss provision to assets | 1.7017% | 348 |
| Net operating income to assets | -1.8276% | 7,259 |
| Return on assets (ROA) | -1.6457% | 7,234 |
| Pretax return on assets | -2.7548% | 7,355 |
| Return on Equity (ROE) | -17.3217% | 7,185 |
| Retained earnings to average equity (ytd only) | -17.3217% | 7,098 |
| Net charge-offs to loans | 2.9964% | 363 |
| Credit loss provision to net charge-offs | 92.1909% | 2,899 |
| Earnings coverage of net charge-offs (x) | -0.7245% | 4,854 |
| Efficiency ratio | 166.2698% | 103 |
| Assets per employee ($millions) | 5.3464% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 3,144 |
| Loan loss allowance to noncurrent loans | 66.3078% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.1125% | 3,173 |
| Noncurrent loans to loans | 2.6504% | 2,845 |
| Net loans and leases to total assets | 60.8188% | 4,109 |
| Net loans and leases to deposits | 113.9583% | 132 |
| Net loans and leases to core deposits | 115.2055% | 557 |
| Total domestic deposits to total assets | 53.3694% | 7,474 |
| Equity capital to assets | 9.6545% | 4,246 |
| Core capital (leverage) ratio | 8.7945% | 4,940 |
| Tier 1 risk-based capital ratio | 16.6108% | 2,616 |
| Total risk-based capital ratio | 17.8704% | 2,590 |
| Memoranda: | ||
| Average total assets | $99,898,500 | 5,003 |
| Average earning assets | $93,210,000 | 4,936 |
| Average equity | $9,491,000 | 5,178 |
| Average total loans | $61,539,500 | 4,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 6,565 |
| Cost of funding earning assets | 2.2300% | 275 |
| Net interest margin | 2.1973% | 7,396 |
| Noninterest income to average assets | 0.2781% | 5,790 |
| Noninterest expense to average assets | 3.0894% | 3,507 |
| Loan and lease loss provision to assets | 1.1506% | 1,381 |
| Net operating income to assets | -1.1709% | 6,777 |
| Return on assets (ROA) | -1.0718% | 6,755 |
| Pretax return on assets | -1.7404% | 6,938 |
| Return on Equity (ROE) | -11.4859% | 6,796 |
| Retained earnings to average equity (ytd only) | -11.4859% | 6,741 |
| Net charge-offs to loans | 1.0199% | 2,154 |
| Credit loss provision to net charge-offs | 175.6570% | 1,902 |
| Earnings coverage of net charge-offs (x) | -1.1369% | 6,631 |
| Efficiency ratio | 130.6028% | 311 |
| Assets per employee ($millions) | 5.1781% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 3,194 |
| Loan loss allowance to noncurrent loans | 47.4191% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3140% | 2,134 |
| Noncurrent loans to loans | 3.5998% | 2,083 |
| Net loans and leases to total assets | 60.2721% | 4,635 |
| Net loans and leases to deposits | 113.6503% | 180 |
| Net loans and leases to core deposits | 114.8083% | 684 |
| Total domestic deposits to total assets | 53.0330% | 7,553 |
| Equity capital to assets | 9.3577% | 4,604 |
| Core capital (leverage) ratio | 8.7976% | 4,862 |
| Tier 1 risk-based capital ratio | 16.4081% | 2,565 |
| Total risk-based capital ratio | 17.6672% | 2,528 |
| Memoranda: | ||
| Average total assets | $110,378,800 | 4,706 |
| Average earning assets | $103,810,000 | 4,610 |
| Average equity | $10,299,600 | 5,041 |
| Average total loans | $70,891,400 | 4,655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 6,895 |
| Cost of funding earning assets | 2.2440% | 328 |
| Net interest margin | 2.1075% | 7,547 |
| Noninterest income to average assets | 0.5960% | 3,466 |
| Noninterest expense to average assets | 3.1309% | 3,188 |
| Loan and lease loss provision to assets | 1.1836% | 1,212 |
| Net operating income to assets | -1.0810% | 6,938 |
| Return on assets (ROA) | -0.9790% | 6,933 |
| Pretax return on assets | -1.5750% | 7,065 |
| Return on Equity (ROE) | -10.4988% | 6,950 |
| Retained earnings to average equity (ytd only) | -10.4988% | 6,904 |
| Net charge-offs to loans | 0.8652% | 2,283 |
| Credit loss provision to net charge-offs | 210.8051% | 1,664 |
| Earnings coverage of net charge-offs (x) | -0.9809% | 6,444 |
| Efficiency ratio | 119.9631% | 396 |
| Assets per employee ($millions) | 4.8028% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,857 |
| Loan loss allowance to noncurrent loans | 25.1423% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 4.6739% | 1,420 |
| Noncurrent loans to loans | 6.0516% | 1,024 |
| Net loans and leases to total assets | 62.1084% | 4,507 |
| Net loans and leases to deposits | 115.5484% | 164 |
| Net loans and leases to core deposits | 118.6497% | 666 |
| Total domestic deposits to total assets | 53.7510% | 7,653 |
| Equity capital to assets | 9.1223% | 5,414 |
| Core capital (leverage) ratio | 8.8106% | 4,988 |
| Tier 1 risk-based capital ratio | 16.1298% | 2,706 |
| Total risk-based capital ratio | 17.3857% | 2,651 |
| Memoranda: | ||
| Average total assets | $112,083,000 | 4,712 |
| Average earning assets | $105,524,500 | 4,624 |
| Average equity | $10,451,750 | 5,071 |
| Average total loans | $72,738,500 | 4,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 6,811 |
| Cost of funding earning assets | 2.2821% | 356 |
| Net interest margin | 2.1651% | 7,596 |
| Noninterest income to average assets | 0.1900% | 6,545 |
| Noninterest expense to average assets | 3.0651% | 3,449 |
| Loan and lease loss provision to assets | 1.0833% | 1,327 |
| Net operating income to assets | -1.1983% | 7,025 |
| Return on assets (ROA) | -1.0460% | 6,978 |
| Pretax return on assets | -1.6817% | 7,141 |
| Return on Equity (ROE) | -11.1377% | 7,005 |
| Retained earnings to average equity (ytd only) | -11.1377% | 6,959 |
| Net charge-offs to loans | 0.3823% | 3,447 |
| Credit loss provision to net charge-offs | 432.6241% | 837 |
| Earnings coverage of net charge-offs (x) | -3.3404% | 6,269 |
| Efficiency ratio | 137.0518% | 268 |
| Assets per employee ($millions) | 4.2543% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,555 |
| Loan loss allowance to noncurrent loans | 24.1305% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 4.3468% | 1,533 |
| Noncurrent loans to loans | 5.6985% | 1,144 |
| Net loans and leases to total assets | 65.2322% | 4,001 |
| Net loans and leases to deposits | 122.2825% | 107 |
| Net loans and leases to core deposits | 125.0373% | 544 |
| Total domestic deposits to total assets | 53.3455% | 7,723 |
| Equity capital to assets | 9.3164% | 4,982 |
| Core capital (leverage) ratio | 9.1071% | 4,449 |
| Tier 1 risk-based capital ratio | 16.0354% | 2,655 |
| Total risk-based capital ratio | 17.2899% | 2,613 |
| Memoranda: | ||
| Average total assets | $112,622,330 | 4,736 |
| Average earning assets | $106,045,000 | 4,642 |
| Average equity | $10,576,670 | 5,039 |
| Average total loans | $73,762,000 | 4,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 6,661 |
| Cost of funding earning assets | 2.2806% | 454 |
| Net interest margin | 2.2768% | 7,609 |
| Noninterest income to average assets | 0.1936% | 6,578 |
| Noninterest expense to average assets | 3.1119% | 3,217 |
| Loan and lease loss provision to assets | 0.5632% | 2,251 |
| Net operating income to assets | -0.8423% | 7,026 |
| Return on assets (ROA) | -0.8378% | 7,056 |
| Pretax return on assets | -1.3307% | 7,193 |
| Return on Equity (ROE) | -8.8868% | 7,090 |
| Retained earnings to average equity (ytd only) | -8.8868% | 6,884 |
| Net charge-offs to loans | 0.5563% | 2,414 |
| Credit loss provision to net charge-offs | 155.3398% | 2,303 |
| Earnings coverage of net charge-offs (x) | -2.1359% | 5,479 |
| Efficiency ratio | 132.6807% | 313 |
| Assets per employee ($millions) | 4.3297% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 7,124 |
| Loan loss allowance to noncurrent loans | 24.7817% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 2.6640% | 2,731 |
| Noncurrent loans to loans | 3.2381% | 2,468 |
| Net loans and leases to total assets | 65.4473% | 4,005 |
| Net loans and leases to deposits | 127.0232% | 90 |
| Net loans and leases to core deposits | 127.0232% | 561 |
| Total domestic deposits to total assets | 51.5239% | 7,828 |
| Equity capital to assets | 9.4596% | 4,597 |
| Core capital (leverage) ratio | 9.2361% | 4,166 |
| Tier 1 risk-based capital ratio | 16.0746% | 2,624 |
| Total risk-based capital ratio | 16.9999% | 2,700 |
| Memoranda: | ||
| Average total assets | $113,628,000 | 4,776 |
| Average earning assets | $106,991,000 | 4,674 |
| Average equity | $10,712,500 | 5,044 |
| Average total loans | $74,063,000 | 4,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1278% | 5,968 |
| Cost of funding earning assets | 2.6177% | 739 |
| Net interest margin | 2.5101% | 7,418 |
| Noninterest income to average assets | 0.0401% | 7,547 |
| Noninterest expense to average assets | 2.6996% | 5,397 |
| Loan and lease loss provision to assets | 0.1652% | 6,038 |
| Net operating income to assets | -0.4563% | 6,133 |
| Return on assets (ROA) | -0.0229% | 5,572 |
| Pretax return on assets | -0.0074% | 5,456 |
| Return on Equity (ROE) | -0.2588% | 5,581 |
| Retained earnings to average equity (ytd only) | -1.2293% | 5,322 |
| Net charge-offs to loans | 0.0975% | 6,155 |
| Credit loss provision to net charge-offs | 288.5714% | 1,163 |
| Earnings coverage of net charge-offs (x) | -4.8143% | 7,104 |
| Efficiency ratio | 106.3765% | 898 |
| Assets per employee ($millions) | 4.5873% | 2,788 |
| Cash dividends to net income (ytd only)* | -375.0000% | 7,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 7,307 |
| Loan loss allowance to noncurrent loans | 44.1080% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 4,440 |
| Noncurrent loans to loans | 1.6546% | 4,167 |
| Net loans and leases to total assets | 63.9284% | 4,617 |
| Net loans and leases to deposits | 122.3038% | 145 |
| Net loans and leases to core deposits | 139.1256% | 840 |
| Total domestic deposits to total assets | 52.2702% | 7,893 |
| Equity capital to assets | 9.3963% | 4,563 |
| Core capital (leverage) ratio | 9.2286% | 4,078 |
| Tier 1 risk-based capital ratio | 16.3625% | 2,371 |
| Total risk-based capital ratio | 17.1983% | 2,473 |
| Memoranda: | ||
| Average total assets | $122,276,000 | 4,509 |
| Average earning assets | $116,131,200 | 4,392 |
| Average equity | $10,819,200 | 5,075 |
| Average total loans | $71,791,600 | 4,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 5,864 |
| Cost of funding earning assets | 2.6869% | 817 |
| Net interest margin | 2.5163% | 7,447 |
| Noninterest income to average assets | 0.0086% | 7,812 |
| Noninterest expense to average assets | 2.5576% | 5,866 |
| Loan and lease loss provision to assets | 0.1718% | 5,644 |
| Net operating income to assets | -0.2147% | 6,090 |
| Return on assets (ROA) | 0.0429% | 5,656 |
| Pretax return on assets | 0.0730% | 5,576 |
| Return on Equity (ROE) | 0.4924% | 5,641 |
| Retained earnings to average equity (ytd only) | -0.3693% | 5,310 |
| Net charge-offs to loans | 0.0935% | 5,743 |
| Credit loss provision to net charge-offs | 320.0000% | 1,283 |
| Earnings coverage of net charge-offs (x) | -2.9399% | 6,803 |
| Efficiency ratio | 106.0403% | 855 |
| Assets per employee ($millions) | 4.5573% | 2,769 |
| Cash dividends to net income (ytd only)* | 175.0047% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 7,360 |
| Loan loss allowance to noncurrent loans | 40.8696% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 1.7436% | 3,748 |
| Noncurrent loans to loans | 1.7193% | 4,056 |
| Net loans and leases to total assets | 61.6592% | 5,296 |
| Net loans and leases to deposits | 114.6687% | 301 |
| Net loans and leases to core deposits | 129.9330% | 1,438 |
| Total domestic deposits to total assets | 53.7716% | 7,952 |
| Equity capital to assets | 9.2075% | 5,154 |
| Core capital (leverage) ratio | 8.8834% | 4,838 |
| Tier 1 risk-based capital ratio | 15.7922% | 2,706 |
| Total risk-based capital ratio | 16.5719% | 2,846 |
| Memoranda: | ||
| Average total assets | $124,174,250 | 4,496 |
| Average earning assets | $118,001,750 | 4,386 |
| Average equity | $10,830,000 | 5,105 |
| Average total loans | $71,276,000 | 4,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 5,718 |
| Cost of funding earning assets | 2.7464% | 912 |
| Net interest margin | 2.5397% | 7,426 |
| Noninterest income to average assets | -0.1285% | 8,047 |
| Noninterest expense to average assets | 2.5399% | 5,985 |
| Loan and lease loss provision to assets | 0.1111% | 6,038 |
| Net operating income to assets | -0.2373% | 6,240 |
| Return on assets (ROA) | 0.0460% | 5,807 |
| Pretax return on assets | 0.0793% | 5,718 |
| Return on Equity (ROE) | 0.5369% | 5,775 |
| Retained earnings to average equity (ytd only) | -0.7590% | 5,418 |
| Net charge-offs to loans | 0.0227% | 6,177 |
| Credit loss provision to net charge-offs | 875.0000% | 548 |
| Earnings coverage of net charge-offs (x) | -19.8750% | 6,566 |
| Efficiency ratio | 110.4716% | 838 |
| Assets per employee ($millions) | 4.7899% | 2,338 |
| Cash dividends to net income (ytd only)* | 241.3793% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 7,485 |
| Loan loss allowance to noncurrent loans | 105.8691% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 5,110 |
| Noncurrent loans to loans | 0.6332% | 5,982 |
| Net loans and leases to total assets | 55.7979% | 6,226 |
| Net loans and leases to deposits | 104.5623% | 868 |
| Net loans and leases to core deposits | 120.2773% | 2,350 |
| Total domestic deposits to total assets | 53.3633% | 8,034 |
| Equity capital to assets | 8.7942% | 5,608 |
| Core capital (leverage) ratio | 8.4364% | 5,553 |
| Tier 1 risk-based capital ratio | 16.0379% | 2,615 |
| Total risk-based capital ratio | 16.7580% | 2,741 |
| Memoranda: | ||
| Average total assets | $126,069,000 | 4,477 |
| Average earning assets | $119,937,000 | 4,368 |
| Average equity | $10,803,330 | 5,136 |
| Average total loans | $70,509,000 | 4,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 5,615 |
| Cost of funding earning assets | 2.7691% | 1,059 |
| Net interest margin | 2.5903% | 7,384 |
| Noninterest income to average assets | 0.1198% | 7,421 |
| Noninterest expense to average assets | 2.3684% | 6,302 |
| Loan and lease loss provision to assets | 0.1419% | 5,129 |
| Net operating income to assets | 0.0226% | 6,198 |
| Return on assets (ROA) | 0.2365% | 5,703 |
| Pretax return on assets | 0.4100% | 5,366 |
| Return on Equity (ROE) | 2.7962% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.4913% | 5,016 |
| Net charge-offs to loans | 0.0396% | 4,943 |
| Credit loss provision to net charge-offs | 642.8571% | 893 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,009 |
| Efficiency ratio | 91.0976% | 1,644 |
| Assets per employee ($millions) | 4.8545% | 2,243 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 7,607 |
| Loan loss allowance to noncurrent loans | 251.4124% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 5,042 |
| Noncurrent loans to loans | 0.2512% | 6,818 |
| Net loans and leases to total assets | 55.4818% | 6,311 |
| Net loans and leases to deposits | 105.4607% | 910 |
| Net loans and leases to core deposits | 122.3603% | 2,225 |
| Total domestic deposits to total assets | 52.6090% | 8,081 |
| Equity capital to assets | 8.6620% | 5,822 |
| Core capital (leverage) ratio | 8.3541% | 5,803 |
| Tier 1 risk-based capital ratio | 16.1645% | 2,629 |
| Total risk-based capital ratio | 16.8500% | 2,752 |
| Memoranda: | ||
| Average total assets | $126,835,000 | 4,471 |
| Average earning assets | $120,760,500 | 4,365 |
| Average equity | $10,729,000 | 5,178 |
| Average total loans | $70,784,500 | 4,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8151% | 6,379 |
| Cost of funding earning assets | 3.1905% | 1,219 |
| Net interest margin | 2.6246% | 7,613 |
| Noninterest income to average assets | 0.2338% | 6,765 |
| Noninterest expense to average assets | 2.5293% | 5,891 |
| Loan and lease loss provision to assets | 0.1309% | 5,692 |
| Net operating income to assets | 0.0366% | 6,266 |
| Return on assets (ROA) | 0.1064% | 5,933 |
| Pretax return on assets | 0.1876% | 5,759 |
| Return on Equity (ROE) | 1.3312% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.3312% | 4,417 |
| Net charge-offs to loans | 0.1858% | 4,342 |
| Credit loss provision to net charge-offs | 119.0476% | 4,521 |
| Earnings coverage of net charge-offs (x) | 1.9048% | 5,114 |
| Efficiency ratio | 91.7490% | 1,394 |
| Assets per employee ($millions) | 4.5519% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 7,720 |
| Loan loss allowance to noncurrent loans | 80.1572% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 4,921 |
| Noncurrent loans to loans | 0.7159% | 5,243 |
| Net loans and leases to total assets | 55.4624% | 6,488 |
| Net loans and leases to deposits | 113.9027% | 615 |
| Net loans and leases to core deposits | 133.6864% | 1,614 |
| Total domestic deposits to total assets | 48.6928% | 8,135 |
| Equity capital to assets | 8.2580% | 6,470 |
| Core capital (leverage) ratio | 8.1916% | 6,181 |
| Tier 1 risk-based capital ratio | 16.1008% | 2,628 |
| Total risk-based capital ratio | 16.7302% | 2,789 |
| Memoranda: | ||
| Average total assets | $114,617,600 | 4,656 |
| Average earning assets | $109,387,800 | 4,525 |
| Average equity | $9,164,800 | 5,685 |
| Average total loans | $67,805,800 | 4,951 |