Home > Newport Federal Savings Bank > Performance and Condition Ratios
Newport Federal Savings Bank, Performance and Condition Ratios
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,379 |
| Cost of funding earning assets | 1.0761% | 369 |
| Net interest margin | 3.3752% | 4,287 |
| Noninterest income to average assets | 0.5198% | 3,698 |
| Noninterest expense to average assets | 2.6481% | 4,229 |
| Loan and lease loss provision to assets | 0.0064% | 4,711 |
| Net operating income to assets | 0.5373% | 4,627 |
| Return on assets (ROA) | 0.5373% | 4,796 |
| Pretax return on assets | 0.9054% | 3,890 |
| Return on Equity (ROE) | 5.0619% | 4,692 |
| Retained earnings to average equity (ytd only) | 5.0619% | 3,013 |
| Net charge-offs to loans | 0.0745% | 3,648 |
| Credit loss provision to net charge-offs | 10.4478% | 3,893 |
| Earnings coverage of net charge-offs (x) | 14.8060% | 1,796 |
| Efficiency ratio | 74.3868% | 3,053 |
| Assets per employee ($millions) | 6.0893% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,498 |
| Loan loss allowance to noncurrent loans | 238.6211% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 5,223 |
| Noncurrent loans to loans | 0.4550% | 5,126 |
| Net loans and leases to total assets | 83.5861% | 262 |
| Net loans and leases to deposits | 126.6040% | 50 |
| Net loans and leases to core deposits | 132.9695% | 167 |
| Total domestic deposits to total assets | 66.0217% | 6,760 |
| Equity capital to assets | 11.0026% | 2,746 |
| Core capital (leverage) ratio | 10.8818% | 2,469 |
| Tier 1 risk-based capital ratio | 16.3476% | 3,008 |
| Total risk-based capital ratio | 17.5973% | 2,972 |
| Memoranda: | ||
| Average total assets | $435,178,000 | 1,530 |
| Average earning assets | $391,978,330 | 1,552 |
| Average equity | $46,188,000 | 1,532 |
| Average total loans | $359,786,000 | 1,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 2,259 |
| Cost of funding earning assets | 1.0960% | 381 |
| Net interest margin | 3.3781% | 4,204 |
| Noninterest income to average assets | 0.4795% | 3,927 |
| Noninterest expense to average assets | 2.6285% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4831% | 4,761 |
| Return on assets (ROA) | 0.4831% | 4,917 |
| Pretax return on assets | 0.8907% | 3,793 |
| Return on Equity (ROE) | 4.6343% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,454 |
| Net charge-offs to loans | 0.0534% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 20.3958% | 1,188 |
| Efficiency ratio | 74.6898% | 3,141 |
| Assets per employee ($millions) | 5.7363% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,584 |
| Loan loss allowance to noncurrent loans | 211.0758% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 5,284 |
| Noncurrent loans to loans | 0.5240% | 5,127 |
| Net loans and leases to total assets | 82.7722% | 251 |
| Net loans and leases to deposits | 125.9683% | 44 |
| Net loans and leases to core deposits | 132.1657% | 163 |
| Total domestic deposits to total assets | 65.7088% | 6,851 |
| Equity capital to assets | 10.7272% | 3,283 |
| Core capital (leverage) ratio | 10.5807% | 2,673 |
| Tier 1 risk-based capital ratio | 16.1682% | 3,171 |
| Total risk-based capital ratio | 17.4184% | 3,123 |
| Memoranda: | ||
| Average total assets | $439,640,000 | 1,530 |
| Average earning assets | $395,607,500 | 1,551 |
| Average equity | $45,832,500 | 1,561 |
| Average total loans | $359,579,000 | 1,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 2,739 |
| Cost of funding earning assets | 1.3992% | 255 |
| Net interest margin | 3.2645% | 5,378 |
| Noninterest income to average assets | 0.5287% | 3,720 |
| Noninterest expense to average assets | 2.7385% | 4,256 |
| Loan and lease loss provision to assets | 0.2209% | 2,926 |
| Net operating income to assets | 0.3555% | 5,272 |
| Return on assets (ROA) | 0.3555% | 5,501 |
| Pretax return on assets | 0.5105% | 5,253 |
| Return on Equity (ROE) | 3.6896% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.6896% | 3,625 |
| Net charge-offs to loans | 0.1929% | 3,829 |
| Credit loss provision to net charge-offs | 146.1980% | 1,863 |
| Earnings coverage of net charge-offs (x) | 4.8407% | 3,233 |
| Efficiency ratio | 78.9230% | 2,290 |
| Assets per employee ($millions) | 5.8319% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,463 |
| Loan loss allowance to noncurrent loans | 186.6204% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 5,272 |
| Noncurrent loans to loans | 0.6016% | 5,018 |
| Net loans and leases to total assets | 79.0632% | 555 |
| Net loans and leases to deposits | 122.0452% | 65 |
| Net loans and leases to core deposits | 127.9864% | 203 |
| Total domestic deposits to total assets | 64.7819% | 6,921 |
| Equity capital to assets | 10.1355% | 3,991 |
| Core capital (leverage) ratio | 10.0518% | 3,338 |
| Tier 1 risk-based capital ratio | 15.8959% | 3,218 |
| Total risk-based capital ratio | 17.1448% | 3,179 |
| Memoranda: | ||
| Average total assets | $461,341,000 | 1,428 |
| Average earning assets | $415,654,200 | 1,451 |
| Average equity | $44,449,800 | 1,566 |
| Average total loans | $361,338,200 | 1,157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 2,837 |
| Cost of funding earning assets | 1.4298% | 267 |
| Net interest margin | 3.2611% | 5,511 |
| Noninterest income to average assets | 0.4843% | 4,029 |
| Noninterest expense to average assets | 2.7237% | 4,276 |
| Loan and lease loss provision to assets | 0.2291% | 2,766 |
| Net operating income to assets | 0.3184% | 5,553 |
| Return on assets (ROA) | 0.3184% | 5,753 |
| Pretax return on assets | 0.4703% | 5,541 |
| Return on Equity (ROE) | 3.3465% | 5,553 |
| Retained earnings to average equity (ytd only) | 3.3465% | 4,514 |
| Net charge-offs to loans | 0.2465% | 3,246 |
| Credit loss provision to net charge-offs | 119.2825% | 2,434 |
| Earnings coverage of net charge-offs (x) | 3.6412% | 3,568 |
| Efficiency ratio | 79.5689% | 2,161 |
| Assets per employee ($millions) | 6.4530% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,953 |
| Loan loss allowance to noncurrent loans | 95.9980% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 4,520 |
| Noncurrent loans to loans | 1.0785% | 4,282 |
| Net loans and leases to total assets | 77.8791% | 749 |
| Net loans and leases to deposits | 131.3825% | 42 |
| Net loans and leases to core deposits | 132.8272% | 170 |
| Total domestic deposits to total assets | 59.2766% | 7,074 |
| Equity capital to assets | 9.5265% | 5,167 |
| Core capital (leverage) ratio | 9.4752% | 4,306 |
| Tier 1 risk-based capital ratio | 15.1096% | 3,765 |
| Total risk-based capital ratio | 16.3584% | 3,723 |
| Memoranda: | ||
| Average total assets | $464,412,250 | 1,439 |
| Average earning assets | $418,503,500 | 1,451 |
| Average equity | $44,183,750 | 1,595 |
| Average total loans | $361,905,500 | 1,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 2,788 |
| Cost of funding earning assets | 1.4424% | 296 |
| Net interest margin | 3.2902% | 5,472 |
| Noninterest income to average assets | 0.4708% | 4,124 |
| Noninterest expense to average assets | 2.7352% | 4,266 |
| Loan and lease loss provision to assets | 0.2692% | 2,434 |
| Net operating income to assets | 0.2951% | 5,636 |
| Return on assets (ROA) | 0.2951% | 5,840 |
| Pretax return on assets | 0.4306% | 5,634 |
| Return on Equity (ROE) | 3.1033% | 5,651 |
| Retained earnings to average equity (ytd only) | 3.1033% | 4,569 |
| Net charge-offs to loans | 0.3688% | 2,540 |
| Credit loss provision to net charge-offs | 93.9577% | 2,931 |
| Earnings coverage of net charge-offs (x) | 2.4426% | 3,781 |
| Efficiency ratio | 79.6296% | 2,247 |
| Assets per employee ($millions) | 6.2964% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,170 |
| Loan loss allowance to noncurrent loans | 59.9020% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 3,499 |
| Noncurrent loans to loans | 1.6667% | 3,398 |
| Net loans and leases to total assets | 78.0867% | 709 |
| Net loans and leases to deposits | 133.1159% | 37 |
| Net loans and leases to core deposits | 134.7392% | 177 |
| Total domestic deposits to total assets | 58.6607% | 7,144 |
| Equity capital to assets | 9.5198% | 5,029 |
| Core capital (leverage) ratio | 9.4647% | 4,188 |
| Tier 1 risk-based capital ratio | 14.8167% | 3,886 |
| Total risk-based capital ratio | 16.0485% | 3,862 |
| Memoranda: | ||
| Average total assets | $462,194,330 | 1,441 |
| Average earning assets | $416,388,330 | 1,461 |
| Average equity | $43,953,000 | 1,590 |
| Average total loans | $358,974,000 | 1,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 2,516 |
| Cost of funding earning assets | 1.4544% | 345 |
| Net interest margin | 3.3775% | 5,208 |
| Noninterest income to average assets | 0.4805% | 4,057 |
| Noninterest expense to average assets | 2.7476% | 4,250 |
| Loan and lease loss provision to assets | 0.2442% | 2,513 |
| Net operating income to assets | 0.3632% | 5,411 |
| Return on assets (ROA) | 0.3632% | 5,597 |
| Pretax return on assets | 0.5318% | 5,328 |
| Return on Equity (ROE) | 3.8216% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.8216% | 4,293 |
| Net charge-offs to loans | 0.3507% | 2,251 |
| Credit loss provision to net charge-offs | 90.3537% | 2,538 |
| Earnings coverage of net charge-offs (x) | 2.8714% | 3,030 |
| Efficiency ratio | 77.9778% | 2,497 |
| Assets per employee ($millions) | 6.3996% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 6,148 |
| Loan loss allowance to noncurrent loans | 123.8304% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 5,027 |
| Noncurrent loans to loans | 0.8317% | 5,008 |
| Net loans and leases to total assets | 75.6774% | 838 |
| Net loans and leases to deposits | 128.4485% | 48 |
| Net loans and leases to core deposits | 130.1211% | 200 |
| Total domestic deposits to total assets | 58.9165% | 7,204 |
| Equity capital to assets | 9.4190% | 4,925 |
| Core capital (leverage) ratio | 9.3092% | 4,347 |
| Tier 1 risk-based capital ratio | 14.7960% | 3,895 |
| Total risk-based capital ratio | 16.0039% | 3,883 |
| Memoranda: | ||
| Average total assets | $460,325,500 | 1,446 |
| Average earning assets | $414,750,500 | 1,471 |
| Average equity | $43,751,500 | 1,591 |
| Average total loans | $354,711,000 | 1,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 1,827 |
| Cost of funding earning assets | 1.6139% | 449 |
| Net interest margin | 3.6481% | 4,530 |
| Noninterest income to average assets | 0.4318% | 4,362 |
| Noninterest expense to average assets | 2.9745% | 3,686 |
| Loan and lease loss provision to assets | 0.2482% | 3,724 |
| Net operating income to assets | 0.3324% | 5,142 |
| Return on assets (ROA) | 0.3324% | 5,290 |
| Pretax return on assets | 0.5057% | 4,973 |
| Return on Equity (ROE) | 3.5269% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.5269% | 3,713 |
| Net charge-offs to loans | 0.3035% | 3,881 |
| Credit loss provision to net charge-offs | 103.4133% | 3,348 |
| Earnings coverage of net charge-offs (x) | 3.1411% | 3,637 |
| Efficiency ratio | 79.7791% | 2,330 |
| Assets per employee ($millions) | 5.6685% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,987 |
| Loan loss allowance to noncurrent loans | 194.1885% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 5,448 |
| Noncurrent loans to loans | 0.5423% | 5,630 |
| Net loans and leases to total assets | 76.8482% | 845 |
| Net loans and leases to deposits | 130.5415% | 51 |
| Net loans and leases to core deposits | 132.0907% | 216 |
| Total domestic deposits to total assets | 58.8687% | 7,241 |
| Equity capital to assets | 9.5925% | 4,755 |
| Core capital (leverage) ratio | 9.4925% | 4,032 |
| Tier 1 risk-based capital ratio | 14.7819% | 3,774 |
| Total risk-based capital ratio | 16.0320% | 3,750 |
| Memoranda: | ||
| Average total assets | $451,631,800 | 1,452 |
| Average earning assets | $408,135,400 | 1,460 |
| Average equity | $42,559,200 | 1,575 |
| Average total loans | $357,131,800 | 1,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 1,809 |
| Cost of funding earning assets | 1.6420% | 495 |
| Net interest margin | 3.6703% | 4,475 |
| Noninterest income to average assets | 0.4501% | 4,294 |
| Noninterest expense to average assets | 2.9871% | 3,597 |
| Loan and lease loss provision to assets | 0.3041% | 3,099 |
| Net operating income to assets | 0.3174% | 5,332 |
| Return on assets (ROA) | 0.3174% | 5,506 |
| Pretax return on assets | 0.4782% | 5,232 |
| Return on Equity (ROE) | 3.3833% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.3833% | 4,323 |
| Net charge-offs to loans | 0.3843% | 3,198 |
| Credit loss provision to net charge-offs | 99.6128% | 3,431 |
| Earnings coverage of net charge-offs (x) | 2.5624% | 3,834 |
| Efficiency ratio | 79.2474% | 2,371 |
| Assets per employee ($millions) | 5.6547% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 6,117 |
| Loan loss allowance to noncurrent loans | 260.5114% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 6,170 |
| Noncurrent loans to loans | 0.3961% | 6,063 |
| Net loans and leases to total assets | 76.8129% | 867 |
| Net loans and leases to deposits | 130.7332% | 48 |
| Net loans and leases to core deposits | 132.1449% | 221 |
| Total domestic deposits to total assets | 58.7555% | 7,318 |
| Equity capital to assets | 9.3866% | 5,256 |
| Core capital (leverage) ratio | 9.3866% | 4,327 |
| Tier 1 risk-based capital ratio | 14.6617% | 3,857 |
| Total risk-based capital ratio | 15.9116% | 3,837 |
| Memoranda: | ||
| Average total assets | $451,169,750 | 1,464 |
| Average earning assets | $408,024,250 | 1,477 |
| Average equity | $42,324,000 | 1,591 |
| Average total loans | $358,364,750 | 1,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 1,687 |
| Cost of funding earning assets | 1.6654% | 540 |
| Net interest margin | 3.6950% | 4,286 |
| Noninterest income to average assets | 0.4357% | 4,378 |
| Noninterest expense to average assets | 3.0435% | 3,464 |
| Loan and lease loss provision to assets | 0.2326% | 3,582 |
| Net operating income to assets | 0.3395% | 5,219 |
| Return on assets (ROA) | 0.3395% | 5,351 |
| Pretax return on assets | 0.5097% | 5,033 |
| Return on Equity (ROE) | 3.6199% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.6199% | 3,929 |
| Net charge-offs to loans | 0.2822% | 3,468 |
| Credit loss provision to net charge-offs | 102.9586% | 3,004 |
| Earnings coverage of net charge-offs (x) | 3.2860% | 3,227 |
| Efficiency ratio | 80.3931% | 2,323 |
| Assets per employee ($millions) | 6.1733% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 6,226 |
| Loan loss allowance to noncurrent loans | 419.4539% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,537 |
| Noncurrent loans to loans | 0.2449% | 6,431 |
| Net loans and leases to total assets | 78.8130% | 668 |
| Net loans and leases to deposits | 134.3290% | 49 |
| Net loans and leases to core deposits | 135.2827% | 220 |
| Total domestic deposits to total assets | 58.6716% | 7,387 |
| Equity capital to assets | 9.4516% | 4,887 |
| Core capital (leverage) ratio | 9.4516% | 4,024 |
| Tier 1 risk-based capital ratio | 14.3006% | 3,937 |
| Total risk-based capital ratio | 15.5403% | 3,919 |
| Memoranda: | ||
| Average total assets | $448,884,000 | 1,485 |
| Average earning assets | $406,983,330 | 1,497 |
| Average equity | $42,101,000 | 1,590 |
| Average total loans | $359,322,330 | 1,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 1,636 |
| Cost of funding earning assets | 1.6765% | 617 |
| Net interest margin | 3.7057% | 4,070 |
| Noninterest income to average assets | 0.4268% | 4,482 |
| Noninterest expense to average assets | 3.0920% | 3,282 |
| Loan and lease loss provision to assets | 0.2813% | 2,900 |
| Net operating income to assets | 0.2804% | 5,497 |
| Return on assets (ROA) | 0.2804% | 5,561 |
| Pretax return on assets | 0.4107% | 5,309 |
| Return on Equity (ROE) | 3.0009% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.0009% | 4,367 |
| Net charge-offs to loans | 0.2904% | 2,893 |
| Credit loss provision to net charge-offs | 120.6897% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.9693% | 2,896 |
| Efficiency ratio | 81.7131% | 2,269 |
| Assets per employee ($millions) | 6.5080% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 6,264 |
| Loan loss allowance to noncurrent loans | 1,693.6364% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 6,842 |
| Noncurrent loans to loans | 0.0612% | 6,897 |
| Net loans and leases to total assets | 79.2029% | 600 |
| Net loans and leases to deposits | 134.9513% | 47 |
| Net loans and leases to core deposits | 135.9120% | 224 |
| Total domestic deposits to total assets | 58.6900% | 7,441 |
| Equity capital to assets | 9.3653% | 4,630 |
| Core capital (leverage) ratio | 9.3653% | 4,022 |
| Tier 1 risk-based capital ratio | 14.0813% | 4,019 |
| Total risk-based capital ratio | 15.3307% | 3,995 |
| Memoranda: | ||
| Average total assets | $447,999,000 | 1,498 |
| Average earning assets | $405,857,000 | 1,505 |
| Average equity | $41,854,500 | 1,588 |
| Average total loans | $359,553,000 | 1,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 2,277 |
| Cost of funding earning assets | 1.8616% | 964 |
| Net interest margin | 3.6391% | 4,623 |
| Noninterest income to average assets | 0.4574% | 4,459 |
| Noninterest expense to average assets | 2.9354% | 4,084 |
| Loan and lease loss provision to assets | 0.2117% | 5,136 |
| Net operating income to assets | 0.3811% | 4,633 |
| Return on assets (ROA) | 0.3640% | 4,850 |
| Pretax return on assets | 0.5989% | 4,329 |
| Return on Equity (ROE) | 4.0552% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.0552% | 3,020 |
| Net charge-offs to loans | 0.2117% | 5,020 |
| Credit loss provision to net charge-offs | 127.2969% | 3,162 |
| Earnings coverage of net charge-offs (x) | 5.0360% | 2,727 |
| Efficiency ratio | 77.8052% | 2,737 |
| Assets per employee ($millions) | 6.3850% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,285 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 7,119 |
| Noncurrent loans to loans | 0.0300% | 7,058 |
| Net loans and leases to total assets | 79.6619% | 705 |
| Net loans and leases to deposits | 135.0672% | 56 |
| Net loans and leases to core deposits | 135.8972% | 262 |
| Total domestic deposits to total assets | 58.9794% | 7,518 |
| Equity capital to assets | 9.3196% | 4,661 |
| Core capital (leverage) ratio | 9.3196% | 3,978 |
| Tier 1 risk-based capital ratio | 13.9587% | 3,897 |
| Total risk-based capital ratio | 15.1910% | 3,874 |
| Memoranda: | ||
| Average total assets | $451,656,000 | 1,474 |
| Average earning assets | $411,480,600 | 1,478 |
| Average equity | $40,540,400 | 1,635 |
| Average total loans | $354,740,600 | 1,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 2,420 |
| Cost of funding earning assets | 1.9074% | 1,010 |
| Net interest margin | 3.5966% | 4,895 |
| Noninterest income to average assets | 0.4467% | 4,588 |
| Noninterest expense to average assets | 2.9620% | 3,878 |
| Loan and lease loss provision to assets | 0.2300% | 4,772 |
| Net operating income to assets | 0.3356% | 5,026 |
| Return on assets (ROA) | 0.3003% | 5,336 |
| Pretax return on assets | 0.4758% | 5,002 |
| Return on Equity (ROE) | 3.3778% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.3778% | 4,072 |
| Net charge-offs to loans | 0.2818% | 4,255 |
| Credit loss provision to net charge-offs | 104.5515% | 4,099 |
| Earnings coverage of net charge-offs (x) | 3.4592% | 3,440 |
| Efficiency ratio | 79.5634% | 2,413 |
| Assets per employee ($millions) | 6.5272% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,431 |
| Loan loss allowance to noncurrent loans | 518.6667% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 6,931 |
| Noncurrent loans to loans | 0.1912% | 6,801 |
| Net loans and leases to total assets | 77.6038% | 1,105 |
| Net loans and leases to deposits | 128.3106% | 75 |
| Net loans and leases to core deposits | 129.3213% | 391 |
| Total domestic deposits to total assets | 60.4812% | 7,588 |
| Equity capital to assets | 9.1071% | 5,437 |
| Core capital (leverage) ratio | 9.0941% | 4,540 |
| Tier 1 risk-based capital ratio | 13.9216% | 3,900 |
| Total risk-based capital ratio | 15.1136% | 3,913 |
| Memoranda: | ||
| Average total assets | $452,832,750 | 1,487 |
| Average earning assets | $412,484,750 | 1,498 |
| Average equity | $40,262,000 | 1,653 |
| Average total loans | $353,495,750 | 1,285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5014% | 2,504 |
| Cost of funding earning assets | 1.9433% | 1,065 |
| Net interest margin | 3.5581% | 5,014 |
| Noninterest income to average assets | 0.4351% | 4,649 |
| Noninterest expense to average assets | 2.9684% | 3,827 |
| Loan and lease loss provision to assets | 0.1737% | 5,129 |
| Net operating income to assets | 0.3262% | 5,086 |
| Return on assets (ROA) | 0.2689% | 5,450 |
| Pretax return on assets | 0.4462% | 5,076 |
| Return on Equity (ROE) | 3.0492% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.0492% | 4,169 |
| Net charge-offs to loans | 0.1894% | 4,472 |
| Credit loss provision to net charge-offs | 117.6119% | 3,454 |
| Earnings coverage of net charge-offs (x) | 4.8030% | 2,839 |
| Efficiency ratio | 80.7121% | 2,342 |
| Assets per employee ($millions) | 6.7924% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 6,384 |
| Loan loss allowance to noncurrent loans | 259.6465% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 6,547 |
| Noncurrent loans to loans | 0.3863% | 6,467 |
| Net loans and leases to total assets | 77.6277% | 1,173 |
| Net loans and leases to deposits | 130.8068% | 71 |
| Net loans and leases to core deposits | 132.2303% | 387 |
| Total domestic deposits to total assets | 59.3453% | 7,667 |
| Equity capital to assets | 9.0410% | 5,380 |
| Core capital (leverage) ratio | 9.0277% | 4,558 |
| Tier 1 risk-based capital ratio | 13.6733% | 3,962 |
| Total risk-based capital ratio | 14.8665% | 3,955 |
| Memoranda: | ||
| Average total assets | $453,651,670 | 1,509 |
| Average earning assets | $413,421,670 | 1,497 |
| Average equity | $40,010,670 | 1,664 |
| Average total loans | $353,657,670 | 1,299 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,620 |
| Cost of funding earning assets | 2.0045% | 1,070 |
| Net interest margin | 3.4884% | 5,208 |
| Noninterest income to average assets | 0.4076% | 4,849 |
| Noninterest expense to average assets | 2.8900% | 4,101 |
| Loan and lease loss provision to assets | 0.2752% | 3,821 |
| Net operating income to assets | 0.2147% | 5,633 |
| Return on assets (ROA) | 0.0929% | 6,142 |
| Pretax return on assets | 0.2297% | 5,800 |
| Return on Equity (ROE) | 1.0667% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.0667% | 5,386 |
| Net charge-offs to loans | 0.3496% | 3,010 |
| Credit loss provision to net charge-offs | 101.2903% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.5581% | 3,263 |
| Efficiency ratio | 80.6112% | 2,471 |
| Assets per employee ($millions) | 6.7938% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,561 |
| Loan loss allowance to noncurrent loans | 194.4538% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 6,491 |
| Noncurrent loans to loans | 0.5036% | 6,288 |
| Net loans and leases to total assets | 77.1126% | 1,308 |
| Net loans and leases to deposits | 131.7774% | 72 |
| Net loans and leases to core deposits | 140.1872% | 326 |
| Total domestic deposits to total assets | 58.5173% | 7,774 |
| Equity capital to assets | 8.7747% | 5,601 |
| Core capital (leverage) ratio | 8.7628% | 4,917 |
| Tier 1 risk-based capital ratio | 13.2984% | 4,126 |
| Total risk-based capital ratio | 14.4575% | 4,155 |
| Memoranda: | ||
| Average total assets | $456,327,500 | 1,540 |
| Average earning assets | $415,665,000 | 1,529 |
| Average equity | $39,750,500 | 1,691 |
| Average total loans | $354,721,000 | 1,334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 3,237 |
| Cost of funding earning assets | 2.4532% | 1,141 |
| Net interest margin | 3.2208% | 6,024 |
| Noninterest income to average assets | 0.4773% | 4,593 |
| Noninterest expense to average assets | 2.9409% | 4,379 |
| Loan and lease loss provision to assets | 0.1331% | 6,307 |
| Net operating income to assets | 0.2040% | 4,892 |
| Return on assets (ROA) | 0.1945% | 4,986 |
| Pretax return on assets | 0.3256% | 4,698 |
| Return on Equity (ROE) | 2.2400% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.2400% | 3,549 |
| Net charge-offs to loans | 0.0144% | 7,017 |
| Credit loss provision to net charge-offs | 1,186.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 589 |
| Efficiency ratio | 86.1339% | 2,097 |
| Assets per employee ($millions) | 7.0380% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,501 |
| Loan loss allowance to noncurrent loans | 403.1395% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 7,000 |
| Noncurrent loans to loans | 0.2423% | 6,821 |
| Net loans and leases to total assets | 76.8354% | 1,621 |
| Net loans and leases to deposits | 130.5232% | 87 |
| Net loans and leases to core deposits | 145.3028% | 634 |
| Total domestic deposits to total assets | 58.8672% | 7,820 |
| Equity capital to assets | 8.6476% | 5,668 |
| Core capital (leverage) ratio | 8.6476% | 5,019 |
| Tier 1 risk-based capital ratio | 12.9519% | 4,172 |
| Total risk-based capital ratio | 14.0887% | 4,212 |
| Memoranda: | ||
| Average total assets | $445,676,200 | 1,556 |
| Average earning assets | $406,415,400 | 1,558 |
| Average equity | $38,706,200 | 1,730 |
| Average total loans | $348,048,200 | 1,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 3,284 |
| Cost of funding earning assets | 2.5640% | 1,124 |
| Net interest margin | 3.1484% | 6,183 |
| Noninterest income to average assets | 0.4710% | 4,745 |
| Noninterest expense to average assets | 3.0528% | 3,829 |
| Loan and lease loss provision to assets | 0.1349% | 6,013 |
| Net operating income to assets | 0.0961% | 5,473 |
| Return on assets (ROA) | 0.0834% | 5,566 |
| Pretax return on assets | 0.1382% | 5,442 |
| Return on Equity (ROE) | 0.9595% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.9595% | 4,772 |
| Net charge-offs to loans | 0.0193% | 6,639 |
| Credit loss provision to net charge-offs | 896.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 19.4585% | 1,290 |
| Efficiency ratio | 91.2421% | 1,594 |
| Assets per employee ($millions) | 6.6306% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.3591% | 1,709 |
| Net loans and leases to deposits | 128.5197% | 117 |
| Net loans and leases to core deposits | 144.0578% | 761 |
| Total domestic deposits to total assets | 60.1924% | 7,871 |
| Equity capital to assets | 8.6297% | 6,074 |
| Core capital (leverage) ratio | 8.6297% | 5,258 |
| Tier 1 risk-based capital ratio | 12.8979% | 4,272 |
| Total risk-based capital ratio | 14.0008% | 4,298 |
| Memoranda: | ||
| Average total assets | $442,727,750 | 1,576 |
| Average earning assets | $404,258,500 | 1,583 |
| Average equity | $38,492,750 | 1,766 |
| Average total loans | $346,318,750 | 1,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 3,240 |
| Cost of funding earning assets | 2.6683% | 1,114 |
| Net interest margin | 3.0937% | 6,266 |
| Noninterest income to average assets | 0.4704% | 4,708 |
| Noninterest expense to average assets | 3.0704% | 3,813 |
| Loan and lease loss provision to assets | 0.1305% | 5,791 |
| Net operating income to assets | 0.0471% | 5,712 |
| Return on assets (ROA) | 0.0250% | 5,854 |
| Pretax return on assets | 0.0582% | 5,766 |
| Return on Equity (ROE) | 0.2868% | 5,842 |
| Retained earnings to average equity (ytd only) | 0.2868% | 5,103 |
| Net charge-offs to loans | 0.0290% | 6,064 |
| Credit loss provision to net charge-offs | 574.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 9.8200% | 2,070 |
| Efficiency ratio | 93.2238% | 1,552 |
| Assets per employee ($millions) | 6.5858% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.9280% | 1,756 |
| Net loans and leases to deposits | 130.7271% | 118 |
| Net loans and leases to core deposits | 147.3684% | 719 |
| Total domestic deposits to total assets | 59.6112% | 7,941 |
| Equity capital to assets | 8.5938% | 5,906 |
| Core capital (leverage) ratio | 8.5938% | 5,272 |
| Tier 1 risk-based capital ratio | 12.8941% | 4,216 |
| Total risk-based capital ratio | 13.9552% | 4,267 |
| Memoranda: | ||
| Average total assets | $440,009,000 | 1,609 |
| Average earning assets | $401,524,000 | 1,613 |
| Average equity | $38,353,670 | 1,780 |
| Average total loans | $344,384,330 | 1,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 3,564 |
| Cost of funding earning assets | 2.6969% | 1,283 |
| Net interest margin | 3.0473% | 6,347 |
| Noninterest income to average assets | 0.4604% | 4,679 |
| Noninterest expense to average assets | 3.0131% | 3,707 |
| Loan and lease loss provision to assets | 0.1706% | 4,759 |
| Net operating income to assets | 0.0394% | 6,164 |
| Return on assets (ROA) | -0.0303% | 6,431 |
| Pretax return on assets | -0.0092% | 6,388 |
| Return on Equity (ROE) | -0.3448% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.3448% | 5,727 |
| Net charge-offs to loans | 0.0587% | 4,652 |
| Credit loss provision to net charge-offs | 372.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 5.0400% | 2,760 |
| Efficiency ratio | 92.8753% | 1,509 |
| Assets per employee ($millions) | 6.8845% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.6171% | 1,908 |
| Net loans and leases to deposits | 135.0002% | 113 |
| Net loans and leases to core deposits | 149.7439% | 717 |
| Total domestic deposits to total assets | 57.4941% | 8,016 |
| Equity capital to assets | 8.6946% | 5,773 |
| Core capital (leverage) ratio | 8.6946% | 5,160 |
| Tier 1 risk-based capital ratio | 12.9829% | 4,187 |
| Total risk-based capital ratio | 14.0215% | 4,254 |
| Memoranda: | ||
| Average total assets | $436,096,000 | 1,630 |
| Average earning assets | $398,380,500 | 1,639 |
| Average equity | $38,287,500 | 1,780 |
| Average total loans | $340,501,000 | 1,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 5,693 |
| Cost of funding earning assets | 2.8187% | 2,634 |
| Net interest margin | 3.1528% | 6,514 |
| Noninterest income to average assets | 0.5803% | 4,004 |
| Noninterest expense to average assets | 3.1451% | 3,533 |
| Loan and lease loss provision to assets | 0.3219% | 3,803 |
| Net operating income to assets | -0.1736% | 6,588 |
| Return on assets (ROA) | -0.1736% | 6,434 |
| Pretax return on assets | -0.0068% | 6,164 |
| Return on Equity (ROE) | -1.7765% | 6,476 |
| Retained earnings to average equity (ytd only) | -1.7765% | 5,809 |
| Net charge-offs to loans | 0.0136% | 6,709 |
| Credit loss provision to net charge-offs | 2,962.7907% | 166 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,196 |
| Efficiency ratio | 90.8952% | 1,448 |
| Assets per employee ($millions) | 6.3468% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 6,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.1648% | 2,337 |
| Net loans and leases to deposits | 138.0842% | 118 |
| Net loans and leases to core deposits | 151.9207% | 785 |
| Total domestic deposits to total assets | 55.8824% | 8,058 |
| Equity capital to assets | 8.8664% | 5,542 |
| Core capital (leverage) ratio | 8.8664% | 4,945 |
| Tier 1 risk-based capital ratio | 13.3051% | 3,929 |
| Total risk-based capital ratio | 14.3235% | 3,980 |
| Memoranda: | ||
| Average total assets | $395,820,600 | 1,711 |
| Average earning assets | $361,548,200 | 1,717 |
| Average equity | $38,672,000 | 1,747 |
| Average total loans | $316,277,000 | 1,530 |