Home > North Akron Savings Bank > Performance and Condition Ratios
North Akron Savings Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,560 |
| Cost of funding earning assets | 0.9082% | 401 |
| Net interest margin | 3.4074% | 4,207 |
| Noninterest income to average assets | 0.1951% | 5,754 |
| Noninterest expense to average assets | 3.0648% | 2,582 |
| Loan and lease loss provision to assets | 0.0009% | 4,394 |
| Net operating income to assets | 0.1915% | 5,865 |
| Return on assets (ROA) | 0.1915% | 5,913 |
| Pretax return on assets | 0.3676% | 5,645 |
| Return on Equity (ROE) | 1.9840% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.2412% | 5,398 |
| Net charge-offs to loans | 0.2473% | 1,560 |
| Credit loss provision to net charge-offs | 0.4608% | 3,798 |
| Earnings coverage of net charge-offs (x) | 1.8709% | 4,056 |
| Efficiency ratio | 89.2678% | 897 |
| Assets per employee ($millions) | 3.7383% | 4,420 |
| Cash dividends to net income (ytd only)* | 37.4400% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 5,470 |
| Loan loss allowance to noncurrent loans | 173.0210% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 4,640 |
| Noncurrent loans to loans | 0.5428% | 4,300 |
| Net loans and leases to total assets | 77.4914% | 1,021 |
| Net loans and leases to deposits | 104.0917% | 398 |
| Net loans and leases to core deposits | 105.1213% | 1,013 |
| Total domestic deposits to total assets | 74.4453% | 5,976 |
| Equity capital to assets | 9.8496% | 4,358 |
| Core capital (leverage) ratio | 9.9308% | 3,768 |
| Tier 1 risk-based capital ratio | 17.7945% | 2,276 |
| Total risk-based capital ratio | 19.0460% | 2,244 |
| Memoranda: | ||
| Average total assets | $146,910,000 | 3,708 |
| Average earning assets | $139,613,000 | 3,638 |
| Average equity | $14,180,000 | 4,019 |
| Average total loans | $116,977,250 | 3,121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 2,254 |
| Cost of funding earning assets | 0.9088% | 411 |
| Net interest margin | 3.4721% | 3,885 |
| Noninterest income to average assets | 0.1860% | 5,839 |
| Noninterest expense to average assets | 3.0798% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2254% | 5,767 |
| Return on assets (ROA) | 0.2254% | 5,834 |
| Pretax return on assets | 0.4060% | 5,546 |
| Return on Equity (ROE) | 2.3513% | 5,748 |
| Retained earnings to average equity (ytd only) | 1.6006% | 5,099 |
| Net charge-offs to loans | 0.2476% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0479% | 3,660 |
| Efficiency ratio | 88.3522% | 1,055 |
| Assets per employee ($millions) | 3.7774% | 4,298 |
| Cash dividends to net income (ytd only)* | 31.9277% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 5,433 |
| Loan loss allowance to noncurrent loans | 121.7716% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 4,067 |
| Noncurrent loans to loans | 0.8046% | 3,694 |
| Net loans and leases to total assets | 78.2776% | 879 |
| Net loans and leases to deposits | 104.7051% | 342 |
| Net loans and leases to core deposits | 105.3402% | 939 |
| Total domestic deposits to total assets | 74.7600% | 6,040 |
| Equity capital to assets | 9.6987% | 4,492 |
| Core capital (leverage) ratio | 9.7878% | 3,905 |
| Tier 1 risk-based capital ratio | 17.5833% | 2,389 |
| Total risk-based capital ratio | 18.8350% | 2,358 |
| Memoranda: | ||
| Average total assets | $147,282,330 | 3,721 |
| Average earning assets | $139,971,000 | 3,648 |
| Average equity | $14,120,000 | 4,030 |
| Average total loans | $117,953,670 | 3,101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,640 |
| Cost of funding earning assets | 0.9147% | 420 |
| Net interest margin | 3.6361% | 3,114 |
| Noninterest income to average assets | 0.1521% | 6,060 |
| Noninterest expense to average assets | 2.8955% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4916% | 4,731 |
| Return on assets (ROA) | 0.4916% | 4,810 |
| Pretax return on assets | 0.7116% | 4,454 |
| Return on Equity (ROE) | 5.1582% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,473 |
| Net charge-offs to loans | 0.3100% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8478% | 2,786 |
| Efficiency ratio | 80.2711% | 2,166 |
| Assets per employee ($millions) | 3.6693% | 4,591 |
| Cash dividends to net income (ytd only)* | 14.3646% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,474 |
| Loan loss allowance to noncurrent loans | 156.8241% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,599 |
| Noncurrent loans to loans | 0.6448% | 4,246 |
| Net loans and leases to total assets | 79.7051% | 586 |
| Net loans and leases to deposits | 106.7703% | 223 |
| Net loans and leases to core deposits | 107.4519% | 695 |
| Total domestic deposits to total assets | 74.6510% | 6,190 |
| Equity capital to assets | 9.6661% | 4,276 |
| Core capital (leverage) ratio | 9.8645% | 3,771 |
| Tier 1 risk-based capital ratio | 17.3351% | 2,544 |
| Total risk-based capital ratio | 18.5871% | 2,506 |
| Memoranda: | ||
| Average total assets | $147,264,500 | 3,746 |
| Average earning assets | $139,932,000 | 3,668 |
| Average equity | $14,036,000 | 4,042 |
| Average total loans | $118,701,500 | 3,098 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 3,512 |
| Cost of funding earning assets | 1.0028% | 434 |
| Net interest margin | 3.1537% | 5,148 |
| Noninterest income to average assets | 0.1948% | 5,921 |
| Noninterest expense to average assets | 2.7991% | 3,726 |
| Loan and lease loss provision to assets | 0.1203% | 2,813 |
| Net operating income to assets | 0.2287% | 5,751 |
| Return on assets (ROA) | 0.2315% | 5,808 |
| Pretax return on assets | 0.2707% | 5,801 |
| Return on Equity (ROE) | 2.5726% | 5,656 |
| Retained earnings to average equity (ytd only) | 1.4244% | 5,182 |
| Net charge-offs to loans | 0.0748% | 4,162 |
| Credit loss provision to net charge-offs | 209.0909% | 1,100 |
| Earnings coverage of net charge-offs (x) | 6.7386% | 2,995 |
| Efficiency ratio | 87.8334% | 1,236 |
| Assets per employee ($millions) | 3.9935% | 3,879 |
| Cash dividends to net income (ytd only)* | 44.6328% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,246 |
| Loan loss allowance to noncurrent loans | 71.1050% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2250% | 2,956 |
| Noncurrent loans to loans | 1.5182% | 2,617 |
| Net loans and leases to total assets | 79.8177% | 613 |
| Net loans and leases to deposits | 106.3732% | 250 |
| Net loans and leases to core deposits | 107.0442% | 740 |
| Total domestic deposits to total assets | 75.0355% | 6,193 |
| Equity capital to assets | 9.3971% | 4,548 |
| Core capital (leverage) ratio | 9.5047% | 4,257 |
| Tier 1 risk-based capital ratio | 17.0549% | 2,585 |
| Total risk-based capital ratio | 18.3084% | 2,553 |
| Memoranda: | ||
| Average total assets | $152,940,000 | 3,658 |
| Average earning assets | $145,099,000 | 3,585 |
| Average equity | $13,760,600 | 4,111 |
| Average total loans | $117,675,800 | 3,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 3,689 |
| Cost of funding earning assets | 1.0101% | 466 |
| Net interest margin | 3.1077% | 5,298 |
| Noninterest income to average assets | 0.2006% | 5,980 |
| Noninterest expense to average assets | 2.8104% | 3,627 |
| Loan and lease loss provision to assets | 0.1591% | 2,273 |
| Net operating income to assets | 0.1317% | 6,075 |
| Return on assets (ROA) | 0.1349% | 6,136 |
| Pretax return on assets | 0.1824% | 6,067 |
| Return on Equity (ROE) | 1.5149% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.2331% | 5,869 |
| Net charge-offs to loans | 0.0784% | 3,826 |
| Credit loss provision to net charge-offs | 266.6667% | 941 |
| Earnings coverage of net charge-offs (x) | 5.6521% | 3,139 |
| Efficiency ratio | 89.2887% | 1,055 |
| Assets per employee ($millions) | 4.0037% | 3,822 |
| Cash dividends to net income (ytd only)* | 84.6195% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,354 |
| Loan loss allowance to noncurrent loans | 65.0722% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 2,960 |
| Noncurrent loans to loans | 1.6813% | 2,668 |
| Net loans and leases to total assets | 77.6050% | 797 |
| Net loans and leases to deposits | 104.3160% | 283 |
| Net loans and leases to core deposits | 104.9624% | 822 |
| Total domestic deposits to total assets | 74.3941% | 6,344 |
| Equity capital to assets | 8.9069% | 5,295 |
| Core capital (leverage) ratio | 9.3250% | 4,660 |
| Tier 1 risk-based capital ratio | 16.7980% | 2,809 |
| Total risk-based capital ratio | 18.0512% | 2,758 |
| Memoranda: | ||
| Average total assets | $154,235,500 | 3,669 |
| Average earning assets | $146,256,000 | 3,603 |
| Average equity | $13,729,500 | 4,168 |
| Average total loans | $117,288,750 | 3,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,774 |
| Cost of funding earning assets | 1.0161% | 504 |
| Net interest margin | 3.0743% | 5,352 |
| Noninterest income to average assets | 0.1562% | 6,271 |
| Noninterest expense to average assets | 2.8231% | 3,595 |
| Loan and lease loss provision to assets | 0.2375% | 1,563 |
| Net operating income to assets | 0.0207% | 6,280 |
| Return on assets (ROA) | 0.0207% | 6,348 |
| Pretax return on assets | 0.0090% | 6,342 |
| Return on Equity (ROE) | 0.2321% | 6,348 |
| Retained earnings to average equity (ytd only) | -1.2909% | 6,093 |
| Net charge-offs to loans | 0.1064% | 3,301 |
| Credit loss provision to net charge-offs | 296.7742% | 875 |
| Earnings coverage of net charge-offs (x) | 3.0806% | 3,501 |
| Efficiency ratio | 91.9680% | 896 |
| Assets per employee ($millions) | 3.9224% | 3,977 |
| Cash dividends to net income (ytd only)* | 656.2500% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,399 |
| Loan loss allowance to noncurrent loans | 54.0552% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 2,643 |
| Noncurrent loans to loans | 2.0542% | 2,331 |
| Net loans and leases to total assets | 76.4408% | 935 |
| Net loans and leases to deposits | 103.0002% | 298 |
| Net loans and leases to core deposits | 103.6465% | 856 |
| Total domestic deposits to total assets | 74.2142% | 6,429 |
| Equity capital to assets | 8.7663% | 5,479 |
| Core capital (leverage) ratio | 9.0788% | 4,862 |
| Tier 1 risk-based capital ratio | 16.9988% | 2,717 |
| Total risk-based capital ratio | 18.2095% | 2,702 |
| Memoranda: | ||
| Average total assets | $154,933,670 | 3,689 |
| Average earning assets | $146,830,330 | 3,612 |
| Average equity | $13,789,000 | 4,193 |
| Average total loans | $116,593,330 | 3,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,724 |
| Cost of funding earning assets | 1.0260% | 531 |
| Net interest margin | 3.0753% | 5,350 |
| Noninterest income to average assets | 0.1257% | 6,471 |
| Noninterest expense to average assets | 2.7990% | 3,701 |
| Loan and lease loss provision to assets | 0.9159% | 212 |
| Net operating income to assets | -0.4464% | 6,653 |
| Return on assets (ROA) | -0.4464% | 6,683 |
| Pretax return on assets | -0.6747% | 6,722 |
| Return on Equity (ROE) | -4.9791% | 6,695 |
| Retained earnings to average equity (ytd only) | -6.4671% | 6,441 |
| Net charge-offs to loans | -0.0138% | 5,562 |
| Credit loss provision to net charge-offs | -8,925.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0675% | 976 |
| Assets per employee ($millions) | 4.0634% | 3,816 |
| Cash dividends to net income (ytd only)* | -29.8851% | 6,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,537 |
| Loan loss allowance to noncurrent loans | 108.9123% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 3,744 |
| Noncurrent loans to loans | 1.2253% | 3,728 |
| Net loans and leases to total assets | 74.3143% | 1,033 |
| Net loans and leases to deposits | 100.4429% | 333 |
| Net loans and leases to core deposits | 101.0693% | 886 |
| Total domestic deposits to total assets | 73.9866% | 6,535 |
| Equity capital to assets | 8.9561% | 5,549 |
| Core capital (leverage) ratio | 8.9652% | 4,942 |
| Tier 1 risk-based capital ratio | 16.8956% | 2,804 |
| Total risk-based capital ratio | 18.1509% | 2,775 |
| Memoranda: | ||
| Average total assets | $155,914,500 | 3,709 |
| Average earning assets | $147,757,000 | 3,628 |
| Average equity | $13,978,500 | 4,203 |
| Average total loans | $115,767,000 | 3,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 4,549 |
| Cost of funding earning assets | 1.1558% | 715 |
| Net interest margin | 3.0550% | 5,917 |
| Noninterest income to average assets | 0.1116% | 6,463 |
| Noninterest expense to average assets | 2.7931% | 4,045 |
| Loan and lease loss provision to assets | 0.2219% | 2,912 |
| Net operating income to assets | -0.0065% | 6,178 |
| Return on assets (ROA) | 0.1864% | 5,986 |
| Pretax return on assets | 0.2707% | 5,877 |
| Return on Equity (ROE) | 2.0779% | 5,875 |
| Retained earnings to average equity (ytd only) | 0.4947% | 5,599 |
| Net charge-offs to loans | 0.1944% | 3,821 |
| Credit loss provision to net charge-offs | 160.5505% | 1,675 |
| Earnings coverage of net charge-offs (x) | 1.5413% | 4,671 |
| Efficiency ratio | 92.9129% | 869 |
| Assets per employee ($millions) | 3.8395% | 4,290 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 5,838 |
| Loan loss allowance to noncurrent loans | 98.6744% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 3,966 |
| Noncurrent loans to loans | 1.0474% | 4,118 |
| Net loans and leases to total assets | 72.4451% | 1,428 |
| Net loans and leases to deposits | 99.0034% | 458 |
| Net loans and leases to core deposits | 99.9579% | 1,033 |
| Total domestic deposits to total assets | 73.1743% | 6,602 |
| Equity capital to assets | 8.9747% | 5,551 |
| Core capital (leverage) ratio | 8.9427% | 4,981 |
| Tier 1 risk-based capital ratio | 17.1761% | 2,571 |
| Total risk-based capital ratio | 18.3720% | 2,563 |
| Memoranda: | ||
| Average total assets | $157,711,400 | 3,658 |
| Average earning assets | $149,425,000 | 3,566 |
| Average equity | $14,149,200 | 4,125 |
| Average total loans | $112,132,400 | 3,249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 4,774 |
| Cost of funding earning assets | 1.1792% | 762 |
| Net interest margin | 3.0327% | 6,101 |
| Noninterest income to average assets | 0.1006% | 6,614 |
| Noninterest expense to average assets | 2.7581% | 4,147 |
| Loan and lease loss provision to assets | 0.2197% | 2,858 |
| Net operating income to assets | -0.0027% | 6,286 |
| Return on assets (ROA) | 0.1994% | 6,085 |
| Pretax return on assets | 0.2974% | 5,960 |
| Return on Equity (ROE) | 2.2230% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.6122% | 5,909 |
| Net charge-offs to loans | 0.1940% | 3,569 |
| Credit loss provision to net charge-offs | 160.4938% | 1,737 |
| Earnings coverage of net charge-offs (x) | 1.5741% | 4,495 |
| Efficiency ratio | 92.7536% | 845 |
| Assets per employee ($millions) | 3.9452% | 3,986 |
| Cash dividends to net income (ytd only)* | 72.4560% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 6,030 |
| Loan loss allowance to noncurrent loans | 91.6799% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 4,227 |
| Noncurrent loans to loans | 1.1032% | 4,218 |
| Net loans and leases to total assets | 71.7576% | 1,594 |
| Net loans and leases to deposits | 98.9134% | 497 |
| Net loans and leases to core deposits | 99.8783% | 1,129 |
| Total domestic deposits to total assets | 72.5459% | 6,714 |
| Equity capital to assets | 9.0343% | 5,794 |
| Core capital (leverage) ratio | 8.9521% | 5,130 |
| Tier 1 risk-based capital ratio | 17.4965% | 2,542 |
| Total risk-based capital ratio | 18.7488% | 2,510 |
| Memoranda: | ||
| Average total assets | $157,784,250 | 3,689 |
| Average earning assets | $149,479,250 | 3,599 |
| Average equity | $14,154,500 | 4,170 |
| Average total loans | $111,357,000 | 3,295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 4,925 |
| Cost of funding earning assets | 1.2086% | 780 |
| Net interest margin | 2.9980% | 6,246 |
| Noninterest income to average assets | 0.0913% | 6,710 |
| Noninterest expense to average assets | 2.7837% | 4,081 |
| Loan and lease loss provision to assets | 0.2916% | 2,249 |
| Net operating income to assets | -0.0978% | 6,433 |
| Return on assets (ROA) | 0.2054% | 6,083 |
| Pretax return on assets | 0.3080% | 5,951 |
| Return on Equity (ROE) | 2.2946% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.6091% | 5,822 |
| Net charge-offs to loans | 0.0689% | 4,463 |
| Credit loss provision to net charge-offs | 605.2632% | 514 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 3,526 |
| Efficiency ratio | 94.9827% | 755 |
| Assets per employee ($millions) | 4.1639% | 3,534 |
| Cash dividends to net income (ytd only)* | 73.4568% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,766 |
| Loan loss allowance to noncurrent loans | 97.6581% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 4,398 |
| Noncurrent loans to loans | 1.1280% | 4,273 |
| Net loans and leases to total assets | 70.9819% | 1,740 |
| Net loans and leases to deposits | 97.9044% | 534 |
| Net loans and leases to core deposits | 99.0764% | 1,167 |
| Total domestic deposits to total assets | 72.5012% | 6,776 |
| Equity capital to assets | 8.9257% | 5,780 |
| Core capital (leverage) ratio | 8.9367% | 5,001 |
| Tier 1 risk-based capital ratio | 17.4724% | 2,479 |
| Total risk-based capital ratio | 18.7299% | 2,444 |
| Memoranda: | ||
| Average total assets | $157,776,000 | 3,704 |
| Average earning assets | $149,431,330 | 3,613 |
| Average equity | $14,120,330 | 4,176 |
| Average total loans | $110,343,670 | 3,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 4,838 |
| Cost of funding earning assets | 1.2282% | 855 |
| Net interest margin | 3.0437% | 6,204 |
| Noninterest income to average assets | 0.0584% | 6,900 |
| Noninterest expense to average assets | 2.8969% | 3,635 |
| Loan and lease loss provision to assets | 0.5484% | 1,074 |
| Net operating income to assets | -0.3544% | 6,735 |
| Return on assets (ROA) | 0.2818% | 5,879 |
| Pretax return on assets | 0.4037% | 5,713 |
| Return on Equity (ROE) | 3.1447% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.2749% | 5,583 |
| Net charge-offs to loans | 0.0809% | 3,684 |
| Credit loss provision to net charge-offs | 981.8182% | 357 |
| Earnings coverage of net charge-offs (x) | 0.7727% | 3,949 |
| Efficiency ratio | 98.5320% | 608 |
| Assets per employee ($millions) | 4.0387% | 3,924 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,775 |
| Loan loss allowance to noncurrent loans | 148.6358% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 4,984 |
| Noncurrent loans to loans | 0.7640% | 5,132 |
| Net loans and leases to total assets | 69.2547% | 1,898 |
| Net loans and leases to deposits | 96.8705% | 485 |
| Net loans and leases to core deposits | 97.7070% | 1,148 |
| Total domestic deposits to total assets | 71.4920% | 6,907 |
| Equity capital to assets | 9.0051% | 5,485 |
| Core capital (leverage) ratio | 8.9894% | 4,856 |
| Tier 1 risk-based capital ratio | 18.5405% | 2,133 |
| Total risk-based capital ratio | 19.7954% | 2,100 |
| Memoranda: | ||
| Average total assets | $157,549,500 | 3,732 |
| Average earning assets | $149,160,500 | 3,638 |
| Average equity | $14,119,000 | 4,181 |
| Average total loans | $108,733,000 | 3,383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 4,929 |
| Cost of funding earning assets | 1.2953% | 1,503 |
| Net interest margin | 3.2421% | 5,979 |
| Noninterest income to average assets | 0.0019% | 6,977 |
| Noninterest expense to average assets | 2.7465% | 4,566 |
| Loan and lease loss provision to assets | 0.7988% | 1,235 |
| Net operating income to assets | -0.2973% | 6,341 |
| Return on assets (ROA) | -0.1935% | 6,319 |
| Pretax return on assets | -0.3133% | 6,360 |
| Return on Equity (ROE) | -2.1612% | 6,351 |
| Retained earnings to average equity (ytd only) | -3.9040% | 6,363 |
| Net charge-offs to loans | 0.7696% | 2,231 |
| Credit loss provision to net charge-offs | 153.1100% | 1,838 |
| Earnings coverage of net charge-offs (x) | 0.6196% | 5,359 |
| Efficiency ratio | 89.4694% | 1,229 |
| Assets per employee ($millions) | 3.9397% | 3,987 |
| Cash dividends to net income (ytd only)* | -80.6452% | 7,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,277 |
| Loan loss allowance to noncurrent loans | 97.7839% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 4,581 |
| Noncurrent loans to loans | 1.0109% | 4,684 |
| Net loans and leases to total assets | 67.3086% | 2,514 |
| Net loans and leases to deposits | 94.7029% | 760 |
| Net loans and leases to core deposits | 95.8479% | 1,507 |
| Total domestic deposits to total assets | 71.0735% | 6,930 |
| Equity capital to assets | 8.9181% | 5,656 |
| Core capital (leverage) ratio | 8.8303% | 5,062 |
| Tier 1 risk-based capital ratio | 18.9561% | 1,910 |
| Total risk-based capital ratio | 20.2082% | 1,869 |
| Memoranda: | ||
| Average total assets | $160,242,200 | 3,629 |
| Average earning assets | $151,628,600 | 3,561 |
| Average equity | $14,344,200 | 4,040 |
| Average total loans | $108,633,200 | 3,413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 4,887 |
| Cost of funding earning assets | 1.3007% | 1,694 |
| Net interest margin | 3.2935% | 5,875 |
| Noninterest income to average assets | -0.0588% | 7,171 |
| Noninterest expense to average assets | 2.7494% | 4,535 |
| Loan and lease loss provision to assets | 0.8120% | 1,145 |
| Net operating income to assets | -0.3218% | 6,522 |
| Return on assets (ROA) | -0.1840% | 6,446 |
| Pretax return on assets | -0.2892% | 6,484 |
| Return on Equity (ROE) | -2.0531% | 6,482 |
| Retained earnings to average equity (ytd only) | -3.7640% | 6,495 |
| Net charge-offs to loans | 0.7987% | 1,965 |
| Credit loss provision to net charge-offs | 150.0766% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.5681% | 5,199 |
| Efficiency ratio | 89.9431% | 1,166 |
| Assets per employee ($millions) | 3.9915% | 3,866 |
| Cash dividends to net income (ytd only)* | -83.3339% | 7,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,674 |
| Loan loss allowance to noncurrent loans | 147.8807% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 4,919 |
| Noncurrent loans to loans | 0.5911% | 5,691 |
| Net loans and leases to total assets | 66.9051% | 2,693 |
| Net loans and leases to deposits | 95.3282% | 739 |
| Net loans and leases to core deposits | 96.2672% | 1,581 |
| Total domestic deposits to total assets | 70.1840% | 7,034 |
| Equity capital to assets | 8.8457% | 5,926 |
| Core capital (leverage) ratio | 8.7958% | 5,269 |
| Tier 1 risk-based capital ratio | 19.0733% | 1,910 |
| Total risk-based capital ratio | 20.3222% | 1,885 |
| Memoranda: | ||
| Average total assets | $160,905,500 | 3,645 |
| Average earning assets | $152,216,750 | 3,565 |
| Average equity | $14,416,750 | 4,050 |
| Average total loans | $109,009,000 | 3,436 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 4,810 |
| Cost of funding earning assets | 1.3033% | 1,921 |
| Net interest margin | 3.3336% | 5,761 |
| Noninterest income to average assets | 0.0533% | 7,036 |
| Noninterest expense to average assets | 2.7622% | 4,581 |
| Loan and lease loss provision to assets | 0.2480% | 3,430 |
| Net operating income to assets | 0.1289% | 5,936 |
| Return on assets (ROA) | 0.2715% | 5,604 |
| Pretax return on assets | 0.4178% | 5,340 |
| Return on Equity (ROE) | 3.0176% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.3779% | 5,306 |
| Net charge-offs to loans | 0.8371% | 1,829 |
| Credit loss provision to net charge-offs | 43.6681% | 4,743 |
| Earnings coverage of net charge-offs (x) | 0.7860% | 4,712 |
| Efficiency ratio | 86.0896% | 1,594 |
| Assets per employee ($millions) | 3.7728% | 4,264 |
| Cash dividends to net income (ytd only)* | 54.3379% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3262% | 7,332 |
| Loan loss allowance to noncurrent loans | 33.7748% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,573 |
| Noncurrent loans to loans | 0.9657% | 5,057 |
| Net loans and leases to total assets | 67.2506% | 2,779 |
| Net loans and leases to deposits | 95.7597% | 743 |
| Net loans and leases to core deposits | 96.6873% | 1,611 |
| Total domestic deposits to total assets | 70.2285% | 7,096 |
| Equity capital to assets | 9.0385% | 5,524 |
| Core capital (leverage) ratio | 8.9276% | 4,836 |
| Tier 1 risk-based capital ratio | 19.1297% | 1,807 |
| Total risk-based capital ratio | 19.5950% | 2,018 |
| Memoranda: | ||
| Average total assets | $161,321,000 | 3,668 |
| Average earning assets | $152,689,330 | 3,583 |
| Average equity | $14,514,670 | 4,009 |
| Average total loans | $109,424,670 | 3,469 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 4,602 |
| Cost of funding earning assets | 1.3138% | 2,104 |
| Net interest margin | 3.3685% | 5,547 |
| Noninterest income to average assets | 0.0075% | 7,280 |
| Noninterest expense to average assets | 2.8247% | 4,354 |
| Loan and lease loss provision to assets | 0.2238% | 3,419 |
| Net operating income to assets | 0.0944% | 6,108 |
| Return on assets (ROA) | 0.2312% | 5,741 |
| Pretax return on assets | 0.3605% | 5,471 |
| Return on Equity (ROE) | 2.5761% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.1080% | 5,380 |
| Net charge-offs to loans | 0.2303% | 3,159 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 2.3651% | 3,136 |
| Efficiency ratio | 88.4047% | 1,466 |
| Assets per employee ($millions) | 4.1242% | 3,589 |
| Cash dividends to net income (ytd only)* | 56.9892% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 7,216 |
| Loan loss allowance to noncurrent loans | 27.9861% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7819% | 3,602 |
| Noncurrent loans to loans | 2.0922% | 3,454 |
| Net loans and leases to total assets | 67.7686% | 2,601 |
| Net loans and leases to deposits | 97.0373% | 621 |
| Net loans and leases to core deposits | 97.9749% | 1,529 |
| Total domestic deposits to total assets | 69.8377% | 7,187 |
| Equity capital to assets | 8.9733% | 5,243 |
| Core capital (leverage) ratio | 9.0999% | 4,451 |
| Tier 1 risk-based capital ratio | 19.0664% | 1,784 |
| Total risk-based capital ratio | 19.9037% | 1,863 |
| Memoranda: | ||
| Average total assets | $160,867,000 | 3,692 |
| Average earning assets | $152,234,000 | 3,607 |
| Average equity | $14,440,500 | 4,011 |
| Average total loans | $109,408,500 | 3,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 5,344 |
| Cost of funding earning assets | 1.5950% | 2,099 |
| Net interest margin | 3.2257% | 6,203 |
| Noninterest income to average assets | 0.2342% | 6,129 |
| Noninterest expense to average assets | 2.7201% | 4,900 |
| Loan and lease loss provision to assets | 0.2235% | 5,043 |
| Net operating income to assets | 0.2266% | 5,192 |
| Return on assets (ROA) | 0.2913% | 5,127 |
| Pretax return on assets | 0.4419% | 4,817 |
| Return on Equity (ROE) | 3.2154% | 4,860 |
| Retained earnings to average equity (ytd only) | 1.7602% | 4,625 |
| Net charge-offs to loans | 0.7428% | 2,795 |
| Credit loss provision to net charge-offs | 42.1801% | 6,354 |
| Earnings coverage of net charge-offs (x) | 1.0711% | 5,040 |
| Efficiency ratio | 82.7382% | 2,078 |
| Assets per employee ($millions) | 4.1254% | 3,521 |
| Cash dividends to net income (ytd only)* | 45.2586% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5633% | 7,308 |
| Loan loss allowance to noncurrent loans | 28.1593% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7907% | 3,634 |
| Noncurrent loans to loans | 2.0005% | 3,565 |
| Net loans and leases to total assets | 67.4736% | 3,109 |
| Net loans and leases to deposits | 95.0529% | 949 |
| Net loans and leases to core deposits | 95.9561% | 2,019 |
| Total domestic deposits to total assets | 70.9853% | 7,175 |
| Equity capital to assets | 8.9800% | 5,168 |
| Core capital (leverage) ratio | 9.0319% | 4,485 |
| Tier 1 risk-based capital ratio | 19.1564% | 1,682 |
| Total risk-based capital ratio | 19.9645% | 1,756 |
| Memoranda: | ||
| Average total assets | $159,294,400 | 3,711 |
| Average earning assets | $150,786,800 | 3,624 |
| Average equity | $14,430,400 | 4,039 |
| Average total loans | $113,628,800 | 3,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 5,412 |
| Cost of funding earning assets | 1.6492% | 2,110 |
| Net interest margin | 3.2168% | 6,282 |
| Noninterest income to average assets | 0.2433% | 6,150 |
| Noninterest expense to average assets | 2.7044% | 4,864 |
| Loan and lease loss provision to assets | 0.2232% | 4,820 |
| Net operating income to assets | 0.2366% | 5,405 |
| Return on assets (ROA) | 0.2903% | 5,374 |
| Pretax return on assets | 0.4414% | 5,108 |
| Return on Equity (ROE) | 3.1978% | 5,143 |
| Retained earnings to average equity (ytd only) | 1.7376% | 5,094 |
| Net charge-offs to loans | 0.8680% | 2,276 |
| Credit loss provision to net charge-offs | 35.6091% | 6,087 |
| Earnings coverage of net charge-offs (x) | 0.9304% | 5,133 |
| Efficiency ratio | 82.2614% | 2,034 |
| Assets per employee ($millions) | 4.1321% | 3,594 |
| Cash dividends to net income (ytd only)* | 45.6646% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 7,395 |
| Loan loss allowance to noncurrent loans | 28.5977% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 3,904 |
| Noncurrent loans to loans | 1.9732% | 3,716 |
| Net loans and leases to total assets | 68.0147% | 3,212 |
| Net loans and leases to deposits | 96.3214% | 944 |
| Net loans and leases to core deposits | 97.2443% | 2,127 |
| Total domestic deposits to total assets | 70.6122% | 7,244 |
| Equity capital to assets | 9.0505% | 5,507 |
| Core capital (leverage) ratio | 9.0549% | 4,596 |
| Tier 1 risk-based capital ratio | 18.6598% | 1,830 |
| Total risk-based capital ratio | 19.4595% | 1,921 |
| Memoranda: | ||
| Average total assets | $158,895,250 | 3,778 |
| Average earning assets | $150,372,250 | 3,675 |
| Average equity | $14,426,000 | 4,106 |
| Average total loans | $114,742,500 | 3,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 5,320 |
| Cost of funding earning assets | 1.6894% | 2,171 |
| Net interest margin | 3.2265% | 6,234 |
| Noninterest income to average assets | 0.2163% | 6,373 |
| Noninterest expense to average assets | 2.7393% | 4,743 |
| Loan and lease loss provision to assets | 0.2605% | 4,323 |
| Net operating income to assets | 0.1768% | 5,647 |
| Return on assets (ROA) | 0.2302% | 5,595 |
| Pretax return on assets | 0.3503% | 5,369 |
| Return on Equity (ROE) | 2.5325% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.0715% | 5,334 |
| Net charge-offs to loans | 0.5351% | 2,927 |
| Credit loss provision to net charge-offs | 66.2379% | 5,071 |
| Earnings coverage of net charge-offs (x) | 1.3473% | 4,478 |
| Efficiency ratio | 83.7911% | 1,941 |
| Assets per employee ($millions) | 4.0823% | 3,605 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,826 |
| Loan loss allowance to noncurrent loans | 39.9040% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7273% | 3,859 |
| Noncurrent loans to loans | 2.2028% | 3,476 |
| Net loans and leases to total assets | 70.6863% | 2,755 |
| Net loans and leases to deposits | 100.8062% | 659 |
| Net loans and leases to core deposits | 102.2608% | 1,803 |
| Total domestic deposits to total assets | 70.1210% | 7,319 |
| Equity capital to assets | 9.1798% | 5,169 |
| Core capital (leverage) ratio | 8.9727% | 4,649 |
| Tier 1 risk-based capital ratio | 18.1837% | 1,905 |
| Total risk-based capital ratio | 19.4437% | 1,873 |
| Memoranda: | ||
| Average total assets | $158,143,000 | 3,827 |
| Average earning assets | $149,637,670 | 3,711 |
| Average equity | $14,373,000 | 4,121 |
| Average total loans | $116,247,000 | 3,471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 4,359 |
| Cost of funding earning assets | 1.7339% | 2,214 |
| Net interest margin | 3.4033% | 5,568 |
| Noninterest income to average assets | 0.2056% | 6,494 |
| Noninterest expense to average assets | 2.7993% | 4,484 |
| Loan and lease loss provision to assets | 0.3578% | 3,230 |
| Net operating income to assets | 0.1753% | 5,773 |
| Return on assets (ROA) | 0.1903% | 5,842 |
| Pretax return on assets | 0.2893% | 5,638 |
| Return on Equity (ROE) | 2.1050% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.6175% | 5,576 |
| Net charge-offs to loans | 0.1327% | 4,162 |
| Credit loss provision to net charge-offs | 361.5385% | 1,121 |
| Earnings coverage of net charge-offs (x) | 6.3077% | 2,246 |
| Efficiency ratio | 81.7643% | 2,301 |
| Assets per employee ($millions) | 4.3089% | 3,275 |
| Cash dividends to net income (ytd only)* | 70.6667% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,273 |
| Loan loss allowance to noncurrent loans | 34.1553% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 3,018 |
| Noncurrent loans to loans | 3.0503% | 2,626 |
| Net loans and leases to total assets | 71.7917% | 2,503 |
| Net loans and leases to deposits | 104.6780% | 486 |
| Net loans and leases to core deposits | 106.1980% | 1,561 |
| Total domestic deposits to total assets | 68.5833% | 7,497 |
| Equity capital to assets | 8.9815% | 5,306 |
| Core capital (leverage) ratio | 9.0468% | 4,480 |
| Tier 1 risk-based capital ratio | 17.9369% | 1,955 |
| Total risk-based capital ratio | 19.1896% | 1,929 |
| Memoranda: | ||
| Average total assets | $157,610,000 | 3,886 |
| Average earning assets | $149,030,000 | 3,774 |
| Average equity | $14,252,000 | 4,181 |
| Average total loans | $117,602,000 | 3,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 5,043 |
| Cost of funding earning assets | 2.0760% | 2,596 |
| Net interest margin | 3.2514% | 5,923 |
| Noninterest income to average assets | 0.0886% | 7,319 |
| Noninterest expense to average assets | 2.9137% | 4,495 |
| Loan and lease loss provision to assets | 0.5138% | 3,805 |
| Net operating income to assets | -0.1733% | 5,806 |
| Return on assets (ROA) | -0.1432% | 5,749 |
| Pretax return on assets | -0.2164% | 5,724 |
| Return on Equity (ROE) | -1.5434% | 5,788 |
| Retained earnings to average equity (ytd only) | -3.0038% | 5,702 |
| Net charge-offs to loans | 0.0821% | 6,288 |
| Credit loss provision to net charge-offs | 776.6990% | 377 |
| Earnings coverage of net charge-offs (x) | 3.8058% | 3,187 |
| Efficiency ratio | 92.0471% | 1,565 |
| Assets per employee ($millions) | 4.2106% | 3,419 |
| Cash dividends to net income (ytd only)* | -94.6188% | 7,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,725 |
| Loan loss allowance to noncurrent loans | 32.7494% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 2.2934% | 3,015 |
| Noncurrent loans to loans | 2.8174% | 2,745 |
| Net loans and leases to total assets | 76.0244% | 1,791 |
| Net loans and leases to deposits | 107.0518% | 499 |
| Net loans and leases to core deposits | 125.8755% | 1,522 |
| Total domestic deposits to total assets | 71.0165% | 7,340 |
| Equity capital to assets | 9.1051% | 4,980 |
| Core capital (leverage) ratio | 9.2106% | 4,101 |
| Tier 1 risk-based capital ratio | 17.7511% | 1,956 |
| Total risk-based capital ratio | 19.0027% | 1,913 |
| Memoranda: | ||
| Average total assets | $155,712,400 | 3,867 |
| Average earning assets | $147,352,400 | 3,757 |
| Average equity | $14,448,400 | 4,159 |
| Average total loans | $125,437,200 | 3,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 5,000 |
| Cost of funding earning assets | 2.1475% | 2,668 |
| Net interest margin | 3.2426% | 5,869 |
| Noninterest income to average assets | 0.0283% | 7,739 |
| Noninterest expense to average assets | 2.8937% | 4,480 |
| Loan and lease loss provision to assets | 0.6243% | 2,896 |
| Net operating income to assets | -0.2781% | 6,174 |
| Return on assets (ROA) | -0.2543% | 6,154 |
| Pretax return on assets | -0.3854% | 6,179 |
| Return on Equity (ROE) | -2.7283% | 6,203 |
| Retained earnings to average equity (ytd only) | -4.1797% | 6,133 |
| Net charge-offs to loans | 0.0767% | 5,914 |
| Credit loss provision to net charge-offs | 998.6301% | 378 |
| Earnings coverage of net charge-offs (x) | 3.2466% | 3,616 |
| Efficiency ratio | 93.4458% | 1,436 |
| Assets per employee ($millions) | 3.8765% | 4,002 |
| Cash dividends to net income (ytd only)* | -53.1983% | 7,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,875 |
| Loan loss allowance to noncurrent loans | 52.8884% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.4653% | 4,179 |
| Noncurrent loans to loans | 1.6498% | 4,168 |
| Net loans and leases to total assets | 77.8109% | 1,609 |
| Net loans and leases to deposits | 111.6053% | 409 |
| Net loans and leases to core deposits | 131.0580% | 1,371 |
| Total domestic deposits to total assets | 69.7197% | 7,439 |
| Equity capital to assets | 9.2462% | 5,096 |
| Core capital (leverage) ratio | 9.2692% | 4,231 |
| Tier 1 risk-based capital ratio | 17.6977% | 2,075 |
| Total risk-based capital ratio | 18.9486% | 2,021 |
| Memoranda: | ||
| Average total assets | $155,692,500 | 3,880 |
| Average earning assets | $147,327,500 | 3,773 |
| Average equity | $14,514,250 | 4,185 |
| Average total loans | $126,910,750 | 3,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 4,763 |
| Cost of funding earning assets | 2.2322% | 2,657 |
| Net interest margin | 3.2412% | 5,765 |
| Noninterest income to average assets | -0.1103% | 8,035 |
| Noninterest expense to average assets | 2.9274% | 4,399 |
| Loan and lease loss provision to assets | 0.8890% | 1,899 |
| Net operating income to assets | -0.5679% | 6,618 |
| Return on assets (ROA) | -0.5324% | 6,590 |
| Pretax return on assets | -0.8069% | 6,685 |
| Return on Equity (ROE) | -5.6953% | 6,677 |
| Retained earnings to average equity (ytd only) | -7.1500% | 6,580 |
| Net charge-offs to loans | 0.0544% | 5,730 |
| Credit loss provision to net charge-offs | 1,980.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 0.6286% | 5,078 |
| Efficiency ratio | 99.0451% | 1,226 |
| Assets per employee ($millions) | 3.8958% | 3,880 |
| Cash dividends to net income (ytd only)* | -25.5422% | 7,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 7,000 |
| Loan loss allowance to noncurrent loans | 50.1650% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4824% | 4,016 |
| Noncurrent loans to loans | 1.6835% | 3,977 |
| Net loans and leases to total assets | 80.1651% | 1,285 |
| Net loans and leases to deposits | 115.5145% | 345 |
| Net loans and leases to core deposits | 133.6865% | 1,332 |
| Total domestic deposits to total assets | 69.3983% | 7,519 |
| Equity capital to assets | 9.1298% | 5,124 |
| Core capital (leverage) ratio | 9.0319% | 4,578 |
| Tier 1 risk-based capital ratio | 17.1610% | 2,247 |
| Total risk-based capital ratio | 18.4109% | 2,187 |
| Memoranda: | ||
| Average total assets | $155,904,000 | 3,903 |
| Average earning assets | $147,478,330 | 3,784 |
| Average equity | $14,573,330 | 4,189 |
| Average total loans | $128,643,000 | 3,359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5546% | 4,612 |
| Cost of funding earning assets | 2.3325% | 2,568 |
| Net interest margin | 3.2221% | 5,787 |
| Noninterest income to average assets | 0.1975% | 6,881 |
| Noninterest expense to average assets | 2.8395% | 4,382 |
| Loan and lease loss provision to assets | 0.2309% | 4,146 |
| Net operating income to assets | 0.1129% | 5,942 |
| Return on assets (ROA) | 0.1129% | 6,105 |
| Pretax return on assets | 0.1744% | 6,001 |
| Return on Equity (ROE) | 1.1935% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.2441% | 5,700 |
| Net charge-offs to loans | 0.0585% | 4,655 |
| Credit loss provision to net charge-offs | 473.6842% | 1,123 |
| Earnings coverage of net charge-offs (x) | 8.3158% | 2,212 |
| Efficiency ratio | 87.5099% | 1,931 |
| Assets per employee ($millions) | 3.8513% | 3,978 |
| Cash dividends to net income (ytd only)* | 120.4545% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3716% | 7,976 |
| Loan loss allowance to noncurrent loans | 29.3719% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 3,658 |
| Noncurrent loans to loans | 1.2651% | 4,453 |
| Net loans and leases to total assets | 80.9947% | 1,202 |
| Net loans and leases to deposits | 120.1505% | 283 |
| Net loans and leases to core deposits | 138.2014% | 1,194 |
| Total domestic deposits to total assets | 67.4110% | 7,641 |
| Equity capital to assets | 9.3678% | 4,847 |
| Core capital (leverage) ratio | 9.4987% | 3,988 |
| Tier 1 risk-based capital ratio | 17.5316% | 2,179 |
| Total risk-based capital ratio | 18.0985% | 2,320 |
| Memoranda: | ||
| Average total assets | $155,940,500 | 3,904 |
| Average earning assets | $147,481,000 | 3,802 |
| Average equity | $14,746,500 | 4,185 |
| Average total loans | $129,971,500 | 3,363 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7774% | 6,510 |
| Cost of funding earning assets | 2.8342% | 2,560 |
| Net interest margin | 2.9431% | 7,049 |
| Noninterest income to average assets | 0.1612% | 7,271 |
| Noninterest expense to average assets | 2.6954% | 5,288 |
| Loan and lease loss provision to assets | 0.0591% | 6,671 |
| Net operating income to assets | 0.1293% | 6,026 |
| Return on assets (ROA) | 0.1649% | 5,781 |
| Pretax return on assets | 0.2547% | 5,617 |
| Return on Equity (ROE) | 1.8231% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.3877% | 5,008 |
| Net charge-offs to loans | 0.1541% | 4,657 |
| Credit loss provision to net charge-offs | 45.9330% | 6,390 |
| Earnings coverage of net charge-offs (x) | 2.0144% | 5,066 |
| Efficiency ratio | 91.2346% | 1,429 |
| Assets per employee ($millions) | 3.6661% | 4,250 |
| Cash dividends to net income (ytd only)* | 78.7313% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3086% | 8,077 |
| Loan loss allowance to noncurrent loans | 32.0189% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 3,570 |
| Noncurrent loans to loans | 0.9637% | 4,674 |
| Net loans and leases to total assets | 85.1855% | 706 |
| Net loans and leases to deposits | 128.5497% | 232 |
| Net loans and leases to core deposits | 145.3648% | 1,033 |
| Total domestic deposits to total assets | 66.2666% | 7,644 |
| Equity capital to assets | 9.5475% | 4,615 |
| Core capital (leverage) ratio | 9.5482% | 3,949 |
| Tier 1 risk-based capital ratio | 17.5671% | 2,158 |
| Total risk-based capital ratio | 18.0503% | 2,319 |
| Memoranda: | ||
| Average total assets | $162,571,200 | 3,676 |
| Average earning assets | $154,291,400 | 3,579 |
| Average equity | $14,700,600 | 4,191 |
| Average total loans | $135,616,800 | 3,168 |