Home > Natick Federal Savings Bank > Performance and Condition Ratios
Natick Federal Savings Bank, Performance and Condition Ratios
| 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 | 2.9661% | 6,986 |
| Cost of funding earning assets | 0.9986% | 1,771 |
| Net interest margin | 1.9675% | 7,115 |
| Noninterest income to average assets | 0.1460% | 6,467 |
| Noninterest expense to average assets | 9.2992% | 91 |
| Loan and lease loss provision to assets | 0.0594% | 4,906 |
| Net operating income to assets | -4.7763% | 7,206 |
| Return on assets (ROA) | -4.7763% | 7,208 |
| Pretax return on assets | -7.4073% | 7,234 |
| Return on Equity (ROE) | -56.3200% | 7,180 |
| Retained earnings to average equity (ytd only) | -56.3200% | 7,175 |
| Net charge-offs to loans | 0.1379% | 3,814 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | -123.6087% | 5,502 |
| Efficiency ratio | 476.5563% | 9 |
| Assets per employee ($millions) | 6.9034% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4234% | 7,067 |
| Loan loss allowance to noncurrent loans | 30.0439% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 5,271 |
| Noncurrent loans to loans | 1.4092% | 3,801 |
| Net loans and leases to total assets | 42.4319% | 6,161 |
| Net loans and leases to deposits | 46.8343% | 6,381 |
| Net loans and leases to core deposits | 47.7653% | 6,475 |
| Total domestic deposits to total assets | 90.6001% | 615 |
| Equity capital to assets | 7.0236% | 6,907 |
| Core capital (leverage) ratio | 6.5131% | 6,924 |
| Tier 1 risk-based capital ratio | 15.1173% | 3,691 |
| Total risk-based capital ratio | 15.5381% | 4,209 |
| Memoranda: | ||
| Average total assets | $154,765,670 | 3,755 |
| Average earning assets | $142,005,000 | 3,749 |
| Average equity | $13,125,000 | 4,374 |
| Average total loans | $66,696,000 | 4,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 7,047 |
| Cost of funding earning assets | 1.0073% | 1,938 |
| Net interest margin | 1.9952% | 7,166 |
| Noninterest income to average assets | 0.1792% | 6,309 |
| Noninterest expense to average assets | 2.3737% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0589% | 6,489 |
| Return on assets (ROA) | -0.0589% | 6,584 |
| Pretax return on assets | -0.3585% | 6,758 |
| Return on Equity (ROE) | -0.6409% | 6,595 |
| Retained earnings to average equity (ytd only) | -0.6409% | 6,097 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7891% | 244 |
| Assets per employee ($millions) | 7.4684% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2391% | 7,194 |
| Loan loss allowance to noncurrent loans | 10.5332% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 4,247 |
| Noncurrent loans to loans | 2.2703% | 2,838 |
| Net loans and leases to total assets | 42.5578% | 6,140 |
| Net loans and leases to deposits | 48.4562% | 6,264 |
| Net loans and leases to core deposits | 49.1480% | 6,385 |
| Total domestic deposits to total assets | 87.8274% | 2,435 |
| Equity capital to assets | 9.1433% | 5,301 |
| Core capital (leverage) ratio | 8.6559% | 5,368 |
| Tier 1 risk-based capital ratio | 20.5856% | 1,566 |
| Total risk-based capital ratio | 20.8293% | 1,794 |
| Memoranda: | ||
| Average total assets | $156,211,500 | 3,758 |
| Average earning assets | $143,746,500 | 3,752 |
| Average equity | $14,354,000 | 4,123 |
| Average total loans | $67,685,500 | 4,530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 7,086 |
| Cost of funding earning assets | 1.1143% | 2,577 |
| Net interest margin | 2.2155% | 7,169 |
| Noninterest income to average assets | 0.1914% | 6,132 |
| Noninterest expense to average assets | 2.2999% | 6,036 |
| Loan and lease loss provision to assets | 0.0894% | 5,466 |
| Net operating income to assets | -0.0482% | 6,104 |
| Return on assets (ROA) | -0.0482% | 6,197 |
| Pretax return on assets | -0.1534% | 6,249 |
| Return on Equity (ROE) | -0.5263% | 6,208 |
| Retained earnings to average equity (ytd only) | -0.5263% | 5,940 |
| Net charge-offs to loans | 0.1636% | 4,843 |
| Credit loss provision to net charge-offs | 118.4874% | 2,707 |
| Earnings coverage of net charge-offs (x) | -0.8487% | 6,163 |
| Efficiency ratio | 102.8636% | 596 |
| Assets per employee ($millions) | 6.7647% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2337% | 7,246 |
| Loan loss allowance to noncurrent loans | 9.3952% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 4,132 |
| Noncurrent loans to loans | 2.4874% | 2,643 |
| Net loans and leases to total assets | 43.9015% | 6,217 |
| Net loans and leases to deposits | 50.0953% | 6,361 |
| Net loans and leases to core deposits | 50.7210% | 6,490 |
| Total domestic deposits to total assets | 87.6359% | 2,379 |
| Equity capital to assets | 9.2347% | 5,234 |
| Core capital (leverage) ratio | 8.9063% | 4,926 |
| Tier 1 risk-based capital ratio | 20.5130% | 1,522 |
| Total risk-based capital ratio | 20.7508% | 1,724 |
| Memoranda: | ||
| Average total assets | $157,746,200 | 3,660 |
| Average earning assets | $145,566,800 | 3,646 |
| Average equity | $14,440,600 | 4,021 |
| Average total loans | $72,717,000 | 4,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 7,152 |
| Cost of funding earning assets | 1.1320% | 2,757 |
| Net interest margin | 2.2385% | 7,244 |
| Noninterest income to average assets | 0.1853% | 6,270 |
| Noninterest expense to average assets | 2.3038% | 6,021 |
| Loan and lease loss provision to assets | 0.1693% | 4,355 |
| Net operating income to assets | -0.0935% | 6,277 |
| Return on assets (ROA) | -0.0935% | 6,363 |
| Pretax return on assets | -0.2207% | 6,428 |
| Return on Equity (ROE) | -1.0236% | 6,382 |
| Retained earnings to average equity (ytd only) | -1.0236% | 6,158 |
| Net charge-offs to loans | 0.2060% | 4,150 |
| Credit loss provision to net charge-offs | 176.3158% | 1,690 |
| Earnings coverage of net charge-offs (x) | -0.5351% | 5,844 |
| Efficiency ratio | 102.2812% | 600 |
| Assets per employee ($millions) | 7.1213% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2312% | 7,323 |
| Loan loss allowance to noncurrent loans | 10.0610% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2083% | 4,378 |
| Noncurrent loans to loans | 2.2982% | 2,998 |
| Net loans and leases to total assets | 45.4439% | 6,194 |
| Net loans and leases to deposits | 52.0279% | 6,363 |
| Net loans and leases to core deposits | 52.6726% | 6,531 |
| Total domestic deposits to total assets | 87.3452% | 2,445 |
| Equity capital to assets | 9.1927% | 5,523 |
| Core capital (leverage) ratio | 8.7793% | 5,297 |
| Tier 1 risk-based capital ratio | 18.3248% | 2,141 |
| Total risk-based capital ratio | 18.5457% | 2,490 |
| Memoranda: | ||
| Average total assets | $158,286,000 | 3,683 |
| Average earning assets | $146,168,500 | 3,660 |
| Average equity | $14,458,750 | 4,044 |
| Average total loans | $73,780,000 | 4,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 7,210 |
| Cost of funding earning assets | 1.1454% | 2,930 |
| Net interest margin | 2.2663% | 7,289 |
| Noninterest income to average assets | 0.1864% | 6,327 |
| Noninterest expense to average assets | 2.2704% | 6,198 |
| Loan and lease loss provision to assets | 0.2531% | 3,379 |
| Net operating income to assets | -0.1096% | 6,361 |
| Return on assets (ROA) | -0.1096% | 6,415 |
| Pretax return on assets | -0.2443% | 6,492 |
| Return on Equity (ROE) | -1.2019% | 6,425 |
| Retained earnings to average equity (ytd only) | -1.2019% | 6,091 |
| Net charge-offs to loans | 0.3057% | 3,346 |
| Credit loss provision to net charge-offs | 176.3158% | 1,709 |
| Earnings coverage of net charge-offs (x) | 0.0614% | 5,244 |
| Efficiency ratio | 99.6133% | 737 |
| Assets per employee ($millions) | 6.8168% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2252% | 7,385 |
| Loan loss allowance to noncurrent loans | 10.5973% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 4,723 |
| Noncurrent loans to loans | 2.1246% | 3,320 |
| Net loans and leases to total assets | 46.6352% | 6,200 |
| Net loans and leases to deposits | 53.4785% | 6,347 |
| Net loans and leases to core deposits | 54.3834% | 6,535 |
| Total domestic deposits to total assets | 87.2037% | 2,622 |
| Equity capital to assets | 9.2157% | 5,256 |
| Core capital (leverage) ratio | 8.8868% | 4,902 |
| Tier 1 risk-based capital ratio | 18.4039% | 2,040 |
| Total risk-based capital ratio | 18.6227% | 2,363 |
| Memoranda: | ||
| Average total assets | $158,825,330 | 3,702 |
| Average earning assets | $146,672,000 | 3,674 |
| Average equity | $14,477,670 | 4,017 |
| Average total loans | $74,586,330 | 4,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 7,247 |
| Cost of funding earning assets | 1.1757% | 2,980 |
| Net interest margin | 2.2565% | 7,333 |
| Noninterest income to average assets | 0.1902% | 6,363 |
| Noninterest expense to average assets | 2.2797% | 6,242 |
| Loan and lease loss provision to assets | 0.5030% | 1,729 |
| Net operating income to assets | -0.2828% | 6,641 |
| Return on assets (ROA) | -0.2828% | 6,657 |
| Pretax return on assets | -0.5080% | 6,755 |
| Return on Equity (ROE) | -3.1190% | 6,680 |
| Retained earnings to average equity (ytd only) | -3.1190% | 6,318 |
| Net charge-offs to loans | 0.6220% | 1,956 |
| Credit loss provision to net charge-offs | 171.7949% | 1,685 |
| Earnings coverage of net charge-offs (x) | -0.0171% | 4,588 |
| Efficiency ratio | 100.2200% | 735 |
| Assets per employee ($millions) | 6.9123% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2530% | 7,427 |
| Loan loss allowance to noncurrent loans | 14.2202% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 4,982 |
| Noncurrent loans to loans | 1.7793% | 3,849 |
| Net loans and leases to total assets | 46.1213% | 6,275 |
| Net loans and leases to deposits | 52.8876% | 6,402 |
| Net loans and leases to core deposits | 54.0418% | 6,554 |
| Total domestic deposits to total assets | 87.2062% | 2,826 |
| Equity capital to assets | 9.0349% | 5,146 |
| Core capital (leverage) ratio | 8.7960% | 4,937 |
| Tier 1 risk-based capital ratio | 18.3928% | 1,988 |
| Total risk-based capital ratio | 18.6383% | 2,313 |
| Memoranda: | ||
| Average total assets | $159,844,500 | 3,713 |
| Average earning assets | $147,662,500 | 3,683 |
| Average equity | $14,492,000 | 3,994 |
| Average total loans | $75,238,000 | 4,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 7,178 |
| Cost of funding earning assets | 1.4584% | 2,901 |
| Net interest margin | 2.4724% | 7,285 |
| Noninterest income to average assets | 0.2206% | 6,229 |
| Noninterest expense to average assets | 2.2368% | 6,520 |
| Loan and lease loss provision to assets | 0.0562% | 6,580 |
| Net operating income to assets | 0.1972% | 5,269 |
| Return on assets (ROA) | 0.1972% | 5,443 |
| Pretax return on assets | 0.2169% | 5,448 |
| Return on Equity (ROE) | 2.2219% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.2219% | 4,330 |
| Net charge-offs to loans | 0.1194% | 5,694 |
| Credit loss provision to net charge-offs | 93.8144% | 4,957 |
| Earnings coverage of net charge-offs (x) | 4.5567% | 2,879 |
| Efficiency ratio | 89.1160% | 1,390 |
| Assets per employee ($millions) | 6.9872% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2105% | 7,520 |
| Loan loss allowance to noncurrent loans | 12.1896% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 5,086 |
| Noncurrent loans to loans | 1.7268% | 3,908 |
| Net loans and leases to total assets | 47.7910% | 6,411 |
| Net loans and leases to deposits | 54.9763% | 6,520 |
| Net loans and leases to core deposits | 56.7398% | 6,650 |
| Total domestic deposits to total assets | 86.9302% | 2,867 |
| Equity capital to assets | 9.0974% | 4,994 |
| Core capital (leverage) ratio | 8.7734% | 4,895 |
| Tier 1 risk-based capital ratio | 18.0740% | 1,974 |
| Total risk-based capital ratio | 18.2824% | 2,302 |
| Memoranda: | ||
| Average total assets | $161,796,800 | 3,665 |
| Average earning assets | $149,816,800 | 3,636 |
| Average equity | $14,357,000 | 4,057 |
| Average total loans | $81,227,200 | 4,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 7,278 |
| Cost of funding earning assets | 1.5156% | 2,873 |
| Net interest margin | 2.4879% | 7,389 |
| Noninterest income to average assets | 0.2164% | 6,357 |
| Noninterest expense to average assets | 2.2368% | 6,505 |
| Loan and lease loss provision to assets | 0.0403% | 6,681 |
| Net operating income to assets | 0.2147% | 5,466 |
| Return on assets (ROA) | 0.2147% | 5,628 |
| Pretax return on assets | 0.2443% | 5,625 |
| Return on Equity (ROE) | 2.4350% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,719 |
| Net charge-offs to loans | 0.1572% | 5,059 |
| Credit loss provision to net charge-offs | 50.5155% | 5,872 |
| Earnings coverage of net charge-offs (x) | 3.5670% | 3,397 |
| Efficiency ratio | 88.7113% | 1,391 |
| Assets per employee ($millions) | 7.3485% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1470% | 7,656 |
| Loan loss allowance to noncurrent loans | 8.9462% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8159% | 5,463 |
| Noncurrent loans to loans | 1.6434% | 4,179 |
| Net loans and leases to total assets | 49.5729% | 6,368 |
| Net loans and leases to deposits | 58.0608% | 6,457 |
| Net loans and leases to core deposits | 59.8963% | 6,610 |
| Total domestic deposits to total assets | 85.3811% | 3,418 |
| Equity capital to assets | 9.0903% | 5,458 |
| Core capital (leverage) ratio | 8.6926% | 5,201 |
| Tier 1 risk-based capital ratio | 17.7012% | 2,113 |
| Total risk-based capital ratio | 17.8505% | 2,469 |
| Memoranda: | ||
| Average total assets | $162,069,500 | 3,716 |
| Average earning assets | $150,162,750 | 3,682 |
| Average equity | $14,291,250 | 4,137 |
| Average total loans | $82,292,750 | 4,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 7,307 |
| Cost of funding earning assets | 1.5535% | 2,944 |
| Net interest margin | 2.5172% | 7,406 |
| Noninterest income to average assets | 0.2121% | 6,402 |
| Noninterest expense to average assets | 2.2330% | 6,561 |
| Loan and lease loss provision to assets | 0.0271% | 6,674 |
| Net operating income to assets | 0.2392% | 5,410 |
| Return on assets (ROA) | 0.2392% | 5,556 |
| Pretax return on assets | 0.2836% | 5,550 |
| Return on Equity (ROE) | 2.7408% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.7408% | 4,387 |
| Net charge-offs to loans | 0.1229% | 4,957 |
| Credit loss provision to net charge-offs | 43.1373% | 5,553 |
| Earnings coverage of net charge-offs (x) | 4.9412% | 2,802 |
| Efficiency ratio | 87.7848% | 1,530 |
| Assets per employee ($millions) | 7.3544% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1658% | 7,721 |
| Loan loss allowance to noncurrent loans | 7.1058% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 4,756 |
| Noncurrent loans to loans | 2.3334% | 3,332 |
| Net loans and leases to total assets | 50.9840% | 6,311 |
| Net loans and leases to deposits | 59.6405% | 6,448 |
| Net loans and leases to core deposits | 61.4355% | 6,600 |
| Total domestic deposits to total assets | 85.4854% | 3,376 |
| Equity capital to assets | 8.8630% | 5,655 |
| Core capital (leverage) ratio | 8.6341% | 5,185 |
| Tier 1 risk-based capital ratio | 14.8431% | 3,240 |
| Total risk-based capital ratio | 14.9892% | 3,875 |
| Memoranda: | ||
| Average total assets | $162,203,670 | 3,738 |
| Average earning assets | $150,243,670 | 3,700 |
| Average equity | $14,156,330 | 4,164 |
| Average total loans | $82,970,000 | 4,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 7,380 |
| Cost of funding earning assets | 1.5980% | 2,976 |
| Net interest margin | 2.4967% | 7,479 |
| Noninterest income to average assets | 0.2217% | 6,381 |
| Noninterest expense to average assets | 2.1822% | 6,734 |
| Loan and lease loss provision to assets | 0.0074% | 6,523 |
| Net operating income to assets | 0.2808% | 5,367 |
| Return on assets (ROA) | 0.2808% | 5,501 |
| Pretax return on assets | 0.3448% | 5,476 |
| Return on Equity (ROE) | 3.2422% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.2422% | 4,203 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1030% | 1,785 |
| Assets per employee ($millions) | 7.0361% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2017% | 7,811 |
| Loan loss allowance to noncurrent loans | 8.6934% | 7,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,772 |
| Noncurrent loans to loans | 2.3199% | 3,363 |
| Net loans and leases to total assets | 51.6765% | 6,305 |
| Net loans and leases to deposits | 60.5246% | 6,414 |
| Net loans and leases to core deposits | 62.2265% | 6,583 |
| Total domestic deposits to total assets | 85.3810% | 3,471 |
| Equity capital to assets | 8.7332% | 5,685 |
| Core capital (leverage) ratio | 8.5908% | 5,220 |
| Tier 1 risk-based capital ratio | 14.5998% | 3,319 |
| Total risk-based capital ratio | 14.7776% | 3,927 |
| Memoranda: | ||
| Average total assets | $162,407,500 | 3,793 |
| Average earning assets | $150,441,000 | 3,747 |
| Average equity | $14,064,500 | 4,229 |
| Average total loans | $83,141,500 | 4,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 7,453 |
| Cost of funding earning assets | 2.0953% | 2,485 |
| Net interest margin | 2.3349% | 7,559 |
| Noninterest income to average assets | 0.2140% | 6,575 |
| Noninterest expense to average assets | 2.2430% | 6,888 |
| Loan and lease loss provision to assets | 1.1956% | 1,927 |
| Net operating income to assets | -1.0400% | 6,600 |
| Return on assets (ROA) | -1.0400% | 6,603 |
| Pretax return on assets | -1.0492% | 6,445 |
| Return on Equity (ROE) | -12.6262% | 6,808 |
| Retained earnings to average equity (ytd only) | -12.6262% | 6,731 |
| Net charge-offs to loans | 0.0556% | 6,547 |
| Credit loss provision to net charge-offs | 4,050.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 4.9583% | 2,740 |
| Efficiency ratio | 93.8739% | 1,422 |
| Assets per employee ($millions) | 7.0863% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2012% | 7,883 |
| Loan loss allowance to noncurrent loans | 18.9714% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,834 |
| Noncurrent loans to loans | 1.0608% | 5,202 |
| Net loans and leases to total assets | 50.5077% | 6,578 |
| Net loans and leases to deposits | 59.1975% | 6,691 |
| Net loans and leases to core deposits | 75.2035% | 6,458 |
| Total domestic deposits to total assets | 85.3207% | 3,400 |
| Equity capital to assets | 8.5873% | 5,742 |
| Core capital (leverage) ratio | 8.4585% | 5,347 |
| Tier 1 risk-based capital ratio | 14.5355% | 3,185 |
| Total risk-based capital ratio | 14.7108% | 3,794 |
| Memoranda: | ||
| Average total assets | $162,597,200 | 3,719 |
| Average earning assets | $151,484,200 | 3,682 |
| Average equity | $13,392,800 | 4,407 |
| Average total loans | $86,405,600 | 4,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 7,518 |
| Cost of funding earning assets | 2.1767% | 2,523 |
| Net interest margin | 2.3130% | 7,635 |
| Noninterest income to average assets | 0.1936% | 6,833 |
| Noninterest expense to average assets | 2.2990% | 6,711 |
| Loan and lease loss provision to assets | 0.0189% | 7,162 |
| Net operating income to assets | 0.0738% | 5,544 |
| Return on assets (ROA) | 0.0738% | 5,585 |
| Pretax return on assets | 0.0336% | 5,643 |
| Return on Equity (ROE) | 0.9062% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.9062% | 4,803 |
| Net charge-offs to loans | 0.0290% | 6,476 |
| Credit loss provision to net charge-offs | 121.0526% | 4,192 |
| Earnings coverage of net charge-offs (x) | 3.3687% | 3,560 |
| Efficiency ratio | 97.7669% | 1,174 |
| Assets per employee ($millions) | 7.1482% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2261% | 7,963 |
| Loan loss allowance to noncurrent loans | 38.8664% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 6,418 |
| Noncurrent loans to loans | 0.5818% | 6,151 |
| Net loans and leases to total assets | 51.5288% | 6,652 |
| Net loans and leases to deposits | 60.5687% | 6,780 |
| Net loans and leases to core deposits | 74.2619% | 6,715 |
| Total domestic deposits to total assets | 85.0750% | 3,191 |
| Equity capital to assets | 8.2508% | 6,560 |
| Core capital (leverage) ratio | 8.4515% | 5,575 |
| Tier 1 risk-based capital ratio | 14.4331% | 3,311 |
| Total risk-based capital ratio | 14.6325% | 3,878 |
| Memoranda: | ||
| Average total assets | $162,500,250 | 3,753 |
| Average earning assets | $151,601,250 | 3,696 |
| Average equity | $13,242,000 | 4,477 |
| Average total loans | $87,385,500 | 4,328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 7,570 |
| Cost of funding earning assets | 2.2449% | 2,604 |
| Net interest margin | 2.3203% | 7,661 |
| Noninterest income to average assets | 0.1915% | 6,925 |
| Noninterest expense to average assets | 2.2908% | 6,780 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0976% | 5,573 |
| Return on assets (ROA) | 0.0976% | 5,666 |
| Pretax return on assets | 0.0667% | 5,750 |
| Return on Equity (ROE) | 1.2030% | 5,568 |
| Retained earnings to average equity (ytd only) | 1.2030% | 4,673 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1698% | 1,305 |
| Assets per employee ($millions) | 6.9215% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2187% | 8,055 |
| Loan loss allowance to noncurrent loans | 59.3060% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 6,708 |
| Noncurrent loans to loans | 0.3688% | 6,588 |
| Net loans and leases to total assets | 51.6317% | 6,727 |
| Net loans and leases to deposits | 60.4974% | 6,851 |
| Net loans and leases to core deposits | 74.0742% | 6,787 |
| Total domestic deposits to total assets | 85.3453% | 3,090 |
| Equity capital to assets | 7.8252% | 6,948 |
| Core capital (leverage) ratio | 8.0239% | 6,283 |
| Tier 1 risk-based capital ratio | 13.7534% | 3,652 |
| Total risk-based capital ratio | 13.9474% | 4,276 |
| Memoranda: | ||
| Average total assets | $161,864,000 | 3,785 |
| Average earning assets | $151,098,670 | 3,721 |
| Average equity | $13,134,330 | 4,512 |
| Average total loans | $88,210,670 | 4,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 7,478 |
| Cost of funding earning assets | 2.3522% | 2,498 |
| Net interest margin | 2.3683% | 7,654 |
| Noninterest income to average assets | 0.1928% | 6,914 |
| Noninterest expense to average assets | 2.2837% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1327% | 5,878 |
| Return on assets (ROA) | 0.1327% | 6,047 |
| Pretax return on assets | 0.1177% | 6,125 |
| Return on Equity (ROE) | 1.6058% | 5,915 |
| Retained earnings to average equity (ytd only) | 1.6058% | 4,948 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0991% | 1,374 |
| Assets per employee ($millions) | 7.3347% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2145% | 8,099 |
| Loan loss allowance to noncurrent loans | 59.1195% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,576 |
| Noncurrent loans to loans | 0.3629% | 6,523 |
| Net loans and leases to total assets | 54.1874% | 6,444 |
| Net loans and leases to deposits | 64.4203% | 6,513 |
| Net loans and leases to core deposits | 78.5213% | 6,498 |
| Total domestic deposits to total assets | 84.1154% | 3,646 |
| Equity capital to assets | 7.9820% | 6,842 |
| Core capital (leverage) ratio | 8.1865% | 6,135 |
| Tier 1 risk-based capital ratio | 13.7411% | 3,721 |
| Total risk-based capital ratio | 13.9367% | 4,325 |
| Memoranda: | ||
| Average total assets | $159,737,500 | 3,844 |
| Average earning assets | $148,969,500 | 3,774 |
| Average equity | $13,202,000 | 4,535 |
| Average total loans | $89,337,500 | 4,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 7,724 |
| Cost of funding earning assets | 2.6214% | 3,575 |
| Net interest margin | 2.5280% | 7,723 |
| Noninterest income to average assets | 0.1960% | 7,048 |
| Noninterest expense to average assets | 2.1719% | 7,048 |
| Loan and lease loss provision to assets | 2.7142% | 365 |
| Net operating income to assets | -2.3847% | 7,676 |
| Return on assets (ROA) | -2.3847% | 7,643 |
| Pretax return on assets | -2.3356% | 7,542 |
| Return on Equity (ROE) | -22.2731% | 7,805 |
| Retained earnings to average equity (ytd only) | -22.2731% | 7,741 |
| Net charge-offs to loans | -0.0012% | 7,724 |
| Credit loss provision to net charge-offs | -420,900.0000% | 7,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1580% | 1,936 |
| Assets per employee ($millions) | 7.1869% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2065% | 8,157 |
| Loan loss allowance to noncurrent loans | 63.0872% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 6,378 |
| Noncurrent loans to loans | 0.3273% | 6,388 |
| Net loans and leases to total assets | 57.4660% | 6,275 |
| Net loans and leases to deposits | 69.0515% | 6,373 |
| Net loans and leases to core deposits | 82.9681% | 6,383 |
| Total domestic deposits to total assets | 83.2219% | 3,677 |
| Equity capital to assets | 8.5535% | 6,008 |
| Core capital (leverage) ratio | 8.7312% | 5,145 |
| Tier 1 risk-based capital ratio | 16.5665% | 2,462 |
| Total risk-based capital ratio | 16.7921% | 2,763 |
| Memoranda: | ||
| Average total assets | $155,074,800 | 3,802 |
| Average earning assets | $144,424,000 | 3,747 |
| Average equity | $16,603,000 | 3,808 |
| Average total loans | $84,320,600 | 4,387 |