Home > Oasis Bank, SSB > Performance and Condition Ratios
Oasis Bank, SSB, Performance and Condition Ratios
| 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 | 5.1596% | 1,277 |
| Cost of funding earning assets | 0.9168% | 2,060 |
| Net interest margin | 4.2428% | 1,614 |
| Noninterest income to average assets | 0.1872% | 6,176 |
| Noninterest expense to average assets | 3.6743% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7272% | 3,787 |
| Return on assets (ROA) | 0.7272% | 4,036 |
| Pretax return on assets | 0.5433% | 5,337 |
| Return on Equity (ROE) | 5.9451% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.9451% | 2,731 |
| Net charge-offs to loans | 0.0836% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 9.0275% | 2,373 |
| Efficiency ratio | 87.1185% | 1,287 |
| Assets per employee ($millions) | 5.5221% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,130 |
| Loan loss allowance to noncurrent loans | 71.0163% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 4,102 |
| Noncurrent loans to loans | 1.3909% | 3,716 |
| Net loans and leases to total assets | 73.3860% | 1,338 |
| Net loans and leases to deposits | 84.4155% | 1,816 |
| Net loans and leases to core deposits | 90.8384% | 1,888 |
| Total domestic deposits to total assets | 86.9343% | 2,711 |
| Equity capital to assets | 12.8924% | 1,647 |
| Core capital (leverage) ratio | 12.8812% | 1,237 |
| Tier 1 risk-based capital ratio | 25.5395% | 862 |
| Total risk-based capital ratio | 26.7928% | 849 |
| Memoranda: | ||
| Average total assets | $79,760,000 | 5,409 |
| Average earning assets | $75,766,500 | 5,299 |
| Average equity | $9,755,750 | 5,089 |
| Average total loans | $57,433,250 | 4,867 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 1,560 |
| Cost of funding earning assets | 0.9480% | 2,076 |
| Net interest margin | 4.1339% | 1,957 |
| Noninterest income to average assets | 0.1961% | 6,160 |
| Noninterest expense to average assets | 3.7380% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5188% | 4,726 |
| Return on assets (ROA) | 0.5188% | 4,999 |
| Pretax return on assets | 0.3872% | 5,736 |
| Return on Equity (ROE) | 4.3158% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.3158% | 3,744 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6137% | 1,026 |
| Assets per employee ($millions) | 5.1301% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,944 |
| Loan loss allowance to noncurrent loans | 369.3252% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,253 |
| Noncurrent loans to loans | 0.2851% | 5,998 |
| Net loans and leases to total assets | 73.5069% | 1,331 |
| Net loans and leases to deposits | 84.6161% | 1,773 |
| Net loans and leases to core deposits | 108.4868% | 640 |
| Total domestic deposits to total assets | 86.8710% | 2,847 |
| Equity capital to assets | 12.6598% | 1,713 |
| Core capital (leverage) ratio | 12.0768% | 1,566 |
| Tier 1 risk-based capital ratio | 24.9309% | 910 |
| Total risk-based capital ratio | 26.1854% | 894 |
| Memoranda: | ||
| Average total assets | $80,577,000 | 5,417 |
| Average earning assets | $76,586,000 | 5,312 |
| Average equity | $9,685,330 | 5,115 |
| Average total loans | $57,477,670 | 4,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 1,945 |
| Cost of funding earning assets | 0.9742% | 2,134 |
| Net interest margin | 4.0089% | 2,468 |
| Noninterest income to average assets | 0.2670% | 5,739 |
| Noninterest expense to average assets | 3.1509% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2526% | 1,595 |
| Return on assets (ROA) | 1.2526% | 1,767 |
| Pretax return on assets | 0.9322% | 3,925 |
| Return on Equity (ROE) | 10.6865% | 2,147 |
| Retained earnings to average equity (ytd only) | 10.6865% | 1,114 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1700% | 2,623 |
| Assets per employee ($millions) | 5.9636% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,049 |
| Loan loss allowance to noncurrent loans | 872.4638% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 6,685 |
| Noncurrent loans to loans | 0.1214% | 6,443 |
| Net loans and leases to total assets | 67.3414% | 2,224 |
| Net loans and leases to deposits | 77.8747% | 2,537 |
| Net loans and leases to core deposits | 96.8878% | 1,212 |
| Total domestic deposits to total assets | 86.4740% | 3,260 |
| Equity capital to assets | 11.7246% | 2,244 |
| Core capital (leverage) ratio | 12.4763% | 1,350 |
| Tier 1 risk-based capital ratio | 24.7422% | 927 |
| Total risk-based capital ratio | 26.0162% | 912 |
| Memoranda: | ||
| Average total assets | $82,389,500 | 5,406 |
| Average earning assets | $78,425,000 | 5,291 |
| Average equity | $9,657,000 | 5,129 |
| Average total loans | $57,633,000 | 4,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4491% | 1,300 |
| Cost of funding earning assets | 1.0019% | 3,365 |
| Net interest margin | 4.4472% | 1,271 |
| Noninterest income to average assets | 0.2891% | 5,467 |
| Noninterest expense to average assets | 3.6820% | 1,567 |
| Loan and lease loss provision to assets | 0.1009% | 5,325 |
| Net operating income to assets | 1.0641% | 1,943 |
| Return on assets (ROA) | 1.0641% | 2,088 |
| Pretax return on assets | 0.7651% | 4,101 |
| Return on Equity (ROE) | 9.4302% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.4302% | 687 |
| Net charge-offs to loans | 0.1720% | 4,776 |
| Credit loss provision to net charge-offs | 80.1980% | 4,440 |
| Earnings coverage of net charge-offs (x) | 6.8812% | 2,433 |
| Efficiency ratio | 80.9589% | 2,166 |
| Assets per employee ($millions) | 5.8063% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 6,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,663 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 71.1520% | 1,797 |
| Net loans and leases to deposits | 82.4079% | 2,143 |
| Net loans and leases to core deposits | 127.6157% | 263 |
| Total domestic deposits to total assets | 86.3412% | 3,119 |
| Equity capital to assets | 11.7176% | 2,324 |
| Core capital (leverage) ratio | 11.7794% | 1,719 |
| Tier 1 risk-based capital ratio | 23.1631% | 1,082 |
| Total risk-based capital ratio | 24.4392% | 1,060 |
| Memoranda: | ||
| Average total assets | $80,255,600 | 5,453 |
| Average earning assets | $76,856,600 | 5,318 |
| Average equity | $9,056,000 | 5,263 |
| Average total loans | $58,722,400 | 4,913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 1,300 |
| Cost of funding earning assets | 1.0029% | 3,660 |
| Net interest margin | 4.4775% | 1,200 |
| Noninterest income to average assets | 0.3383% | 5,147 |
| Noninterest expense to average assets | 3.7017% | 1,494 |
| Loan and lease loss provision to assets | 0.1017% | 5,173 |
| Net operating income to assets | 1.0283% | 2,218 |
| Return on assets (ROA) | 1.0283% | 2,381 |
| Pretax return on assets | 0.8283% | 4,024 |
| Return on Equity (ROE) | 9.2032% | 2,502 |
| Retained earnings to average equity (ytd only) | 9.2032% | 1,077 |
| Net charge-offs to loans | 0.1996% | 4,203 |
| Credit loss provision to net charge-offs | 69.3182% | 4,502 |
| Earnings coverage of net charge-offs (x) | 6.3409% | 2,570 |
| Efficiency ratio | 79.9208% | 2,263 |
| Assets per employee ($millions) | 6.2342% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,246 |
| Loan loss allowance to noncurrent loans | 607.1429% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 6,745 |
| Noncurrent loans to loans | 0.1654% | 6,534 |
| Net loans and leases to total assets | 72.3780% | 1,634 |
| Net loans and leases to deposits | 83.5275% | 2,087 |
| Net loans and leases to core deposits | 87.5532% | 2,553 |
| Total domestic deposits to total assets | 86.6517% | 2,854 |
| Equity capital to assets | 11.4666% | 2,711 |
| Core capital (leverage) ratio | 11.5051% | 2,023 |
| Tier 1 risk-based capital ratio | 22.0910% | 1,270 |
| Total risk-based capital ratio | 23.3437% | 1,246 |
| Memoranda: | ||
| Average total assets | $79,997,500 | 5,505 |
| Average earning assets | $76,707,000 | 5,363 |
| Average equity | $8,938,750 | 5,327 |
| Average total loans | $58,793,000 | 4,954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4525% | 1,407 |
| Cost of funding earning assets | 1.0140% | 3,854 |
| Net interest margin | 4.4385% | 1,271 |
| Noninterest income to average assets | 0.4696% | 4,113 |
| Noninterest expense to average assets | 3.9046% | 1,183 |
| Loan and lease loss provision to assets | 0.1281% | 4,689 |
| Net operating income to assets | 0.6905% | 3,588 |
| Return on assets (ROA) | 0.6905% | 3,707 |
| Pretax return on assets | 0.6905% | 4,416 |
| Return on Equity (ROE) | 6.2354% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.2354% | 2,271 |
| Net charge-offs to loans | 0.3001% | 3,371 |
| Credit loss provision to net charge-offs | 57.9545% | 4,394 |
| Earnings coverage of net charge-offs (x) | 3.7045% | 3,074 |
| Efficiency ratio | 82.6688% | 1,996 |
| Assets per employee ($millions) | 5.3663% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 75.9510% | 1,078 |
| Net loans and leases to deposits | 87.3272% | 1,604 |
| Net loans and leases to core deposits | 91.5292% | 2,197 |
| Total domestic deposits to total assets | 86.9729% | 2,752 |
| Equity capital to assets | 11.1201% | 2,845 |
| Core capital (leverage) ratio | 10.9529% | 2,292 |
| Tier 1 risk-based capital ratio | 19.9301% | 1,620 |
| Total risk-based capital ratio | 21.2015% | 1,593 |
| Memoranda: | ||
| Average total assets | $79,648,670 | 5,560 |
| Average earning assets | $76,332,330 | 5,424 |
| Average equity | $8,820,670 | 5,371 |
| Average total loans | $58,639,670 | 5,025 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 1,762 |
| Cost of funding earning assets | 1.0082% | 4,146 |
| Net interest margin | 4.3285% | 1,472 |
| Noninterest income to average assets | 0.3130% | 5,424 |
| Noninterest expense to average assets | 3.6503% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8028% | 3,018 |
| Return on assets (ROA) | 0.8028% | 3,084 |
| Pretax return on assets | 0.8028% | 3,890 |
| Return on Equity (ROE) | 7.2640% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.2640% | 2,035 |
| Net charge-offs to loans | 0.6375% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 3,431 |
| Efficiency ratio | 81.9728% | 2,232 |
| Assets per employee ($millions) | 5.8630% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 6,603 |
| Loan loss allowance to noncurrent loans | 3,318.7500% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 4,945 |
| Noncurrent loans to loans | 0.0282% | 6,989 |
| Net loans and leases to total assets | 68.4316% | 2,471 |
| Net loans and leases to deposits | 79.3855% | 2,831 |
| Net loans and leases to core deposits | 83.8308% | 3,187 |
| Total domestic deposits to total assets | 86.2016% | 3,398 |
| Equity capital to assets | 10.7636% | 2,910 |
| Core capital (leverage) ratio | 11.3435% | 1,935 |
| Tier 1 risk-based capital ratio | 21.2492% | 1,354 |
| Total risk-based capital ratio | 22.5215% | 1,324 |
| Memoranda: | ||
| Average total assets | $79,226,000 | 5,609 |
| Average earning assets | $75,776,500 | 5,485 |
| Average equity | $8,755,500 | 5,392 |
| Average total loans | $57,099,000 | 5,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8349% | 1,186 |
| Cost of funding earning assets | 1.1758% | 4,695 |
| Net interest margin | 4.6591% | 888 |
| Noninterest income to average assets | 0.1862% | 6,422 |
| Noninterest expense to average assets | 5.1030% | 387 |
| Loan and lease loss provision to assets | 0.3629% | 3,939 |
| Net operating income to assets | -0.8306% | 6,592 |
| Return on assets (ROA) | -0.8306% | 6,619 |
| Pretax return on assets | -0.8306% | 6,530 |
| Return on Equity (ROE) | -6.9422% | 6,553 |
| Retained earnings to average equity (ytd only) | -6.9422% | 6,456 |
| Net charge-offs to loans | 0.1905% | 5,161 |
| Credit loss provision to net charge-offs | 259.2233% | 1,087 |
| Earnings coverage of net charge-offs (x) | -3.3398% | 6,747 |
| Efficiency ratio | 96.8915% | 930 |
| Assets per employee ($millions) | 5.0913% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 6,016 |
| Loan loss allowance to noncurrent loans | 740.4762% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,960 |
| Noncurrent loans to loans | 0.1461% | 6,783 |
| Net loans and leases to total assets | 74.4730% | 1,575 |
| Net loans and leases to deposits | 87.1901% | 1,910 |
| Net loans and leases to core deposits | 92.8693% | 2,401 |
| Total domestic deposits to total assets | 85.4144% | 3,655 |
| Equity capital to assets | 11.3605% | 2,365 |
| Core capital (leverage) ratio | 11.1168% | 2,073 |
| Tier 1 risk-based capital ratio | 20.6956% | 1,363 |
| Total risk-based capital ratio | 21.9718% | 1,341 |
| Memoranda: | ||
| Average total assets | $73,565,000 | 5,773 |
| Average earning assets | $70,249,400 | 5,662 |
| Average equity | $8,801,200 | 5,474 |
| Average total loans | $54,067,000 | 5,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 1,708 |
| Cost of funding earning assets | 1.2054% | 4,843 |
| Net interest margin | 4.4971% | 1,263 |
| Noninterest income to average assets | 0.1775% | 6,606 |
| Noninterest expense to average assets | 5.5902% | 260 |
| Loan and lease loss provision to assets | 0.3019% | 4,159 |
| Net operating income to assets | -1.4273% | 7,085 |
| Return on assets (ROA) | -1.4273% | 7,108 |
| Pretax return on assets | -1.4273% | 7,023 |
| Return on Equity (ROE) | -11.7744% | 6,999 |
| Retained earnings to average equity (ytd only) | -11.7744% | 6,963 |
| Net charge-offs to loans | 0.2280% | 4,565 |
| Credit loss provision to net charge-offs | 181.3187% | 2,015 |
| Earnings coverage of net charge-offs (x) | -6.7583% | 6,608 |
| Efficiency ratio | 106.7623% | 583 |
| Assets per employee ($millions) | 5.4714% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,723 |
| Loan loss allowance to noncurrent loans | 148.1894% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 6,255 |
| Noncurrent loans to loans | 0.6121% | 5,982 |
| Net loans and leases to total assets | 75.8695% | 1,434 |
| Net loans and leases to deposits | 88.5280% | 1,938 |
| Net loans and leases to core deposits | 93.8536% | 2,542 |
| Total domestic deposits to total assets | 85.7010% | 3,239 |
| Equity capital to assets | 11.0862% | 2,866 |
| Core capital (leverage) ratio | 10.8753% | 2,354 |
| Tier 1 risk-based capital ratio | 19.9104% | 1,568 |
| Total risk-based capital ratio | 21.1578% | 1,537 |
| Memoranda: | ||
| Average total assets | $72,863,750 | 5,858 |
| Average earning assets | $69,465,000 | 5,753 |
| Average equity | $8,832,500 | 5,544 |
| Average total loans | $53,209,500 | 5,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 1,953 |
| Cost of funding earning assets | 1.2293% | 4,961 |
| Net interest margin | 4.4184% | 1,399 |
| Noninterest income to average assets | 0.2122% | 6,401 |
| Noninterest expense to average assets | 6.0962% | 216 |
| Loan and lease loss provision to assets | 0.2988% | 3,998 |
| Net operating income to assets | -1.9771% | 7,298 |
| Return on assets (ROA) | -1.9771% | 7,303 |
| Pretax return on assets | -1.9771% | 7,228 |
| Return on Equity (ROE) | -15.8283% | 7,167 |
| Retained earnings to average equity (ytd only) | -15.8283% | 7,130 |
| Net charge-offs to loans | 0.2607% | 4,043 |
| Credit loss provision to net charge-offs | 159.7015% | 2,465 |
| Earnings coverage of net charge-offs (x) | -8.9701% | 6,318 |
| Efficiency ratio | 109.5449% | 557 |
| Assets per employee ($millions) | 4.4966% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,705 |
| Loan loss allowance to noncurrent loans | 2,263.6364% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 7,146 |
| Noncurrent loans to loans | 0.0404% | 7,216 |
| Net loans and leases to total assets | 70.5585% | 2,781 |
| Net loans and leases to deposits | 82.4284% | 3,196 |
| Net loans and leases to core deposits | 87.7039% | 3,584 |
| Total domestic deposits to total assets | 85.5997% | 3,317 |
| Equity capital to assets | 11.1835% | 2,702 |
| Core capital (leverage) ratio | 11.5650% | 1,872 |
| Tier 1 risk-based capital ratio | 20.4909% | 1,435 |
| Total risk-based capital ratio | 21.6845% | 1,411 |
| Memoranda: | ||
| Average total assets | $71,618,330 | 5,931 |
| Average earning assets | $68,169,670 | 5,824 |
| Average equity | $8,946,000 | 5,517 |
| Average total loans | $51,396,670 | 5,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 2,182 |
| Cost of funding earning assets | 1.2960% | 4,841 |
| Net interest margin | 4.2958% | 1,702 |
| Noninterest income to average assets | 0.2081% | 6,472 |
| Noninterest expense to average assets | 4.7799% | 443 |
| Loan and lease loss provision to assets | 0.5491% | 2,305 |
| Net operating income to assets | -1.0404% | 7,131 |
| Return on assets (ROA) | -1.0404% | 7,153 |
| Pretax return on assets | -1.0404% | 7,068 |
| Return on Equity (ROE) | -7.8736% | 7,050 |
| Retained earnings to average equity (ytd only) | -7.8736% | 6,821 |
| Net charge-offs to loans | 0.8260% | 1,879 |
| Credit loss provision to net charge-offs | 92.2330% | 3,613 |
| Earnings coverage of net charge-offs (x) | -0.8252% | 5,358 |
| Efficiency ratio | 111.4555% | 574 |
| Assets per employee ($millions) | 3.7382% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 7,273 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.0279% | 2,928 |
| Net loans and leases to deposits | 85.0295% | 2,757 |
| Net loans and leases to core deposits | 96.4046% | 2,540 |
| Total domestic deposits to total assets | 82.3572% | 4,909 |
| Equity capital to assets | 12.7587% | 1,619 |
| Core capital (leverage) ratio | 12.0787% | 1,610 |
| Tier 1 risk-based capital ratio | 22.2079% | 1,176 |
| Total risk-based capital ratio | 23.3683% | 1,170 |
| Memoranda: | ||
| Average total assets | $69,206,000 | 6,068 |
| Average earning assets | $65,738,500 | 5,973 |
| Average equity | $9,144,500 | 5,504 |
| Average total loans | $49,877,500 | 5,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6895% | 474 |
| Cost of funding earning assets | 1.5800% | 5,127 |
| Net interest margin | 5.1095% | 354 |
| Noninterest income to average assets | 0.4560% | 4,753 |
| Noninterest expense to average assets | 5.8776% | 326 |
| Loan and lease loss provision to assets | 0.5681% | 3,538 |
| Net operating income to assets | -1.1550% | 6,686 |
| Return on assets (ROA) | -1.1550% | 6,689 |
| Pretax return on assets | -1.1550% | 6,515 |
| Return on Equity (ROE) | -6.6136% | 6,353 |
| Retained earnings to average equity (ytd only) | -6.6136% | 6,205 |
| Net charge-offs to loans | 0.2852% | 4,847 |
| Credit loss provision to net charge-offs | 253.3333% | 1,391 |
| Earnings coverage of net charge-offs (x) | -2.6167% | 7,038 |
| Efficiency ratio | 111.0915% | 776 |
| Assets per employee ($millions) | 3.7437% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 6,728 |
| Loan loss allowance to noncurrent loans | 1,757.6923% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,416 |
| Noncurrent loans to loans | 0.0525% | 7,293 |
| Net loans and leases to total assets | 72.8786% | 2,537 |
| Net loans and leases to deposits | 89.7199% | 2,255 |
| Net loans and leases to core deposits | 208.2079% | 86 |
| Total domestic deposits to total assets | 81.2290% | 5,255 |
| Equity capital to assets | 13.6928% | 1,255 |
| Core capital (leverage) ratio | 13.4452% | 1,109 |
| Tier 1 risk-based capital ratio | 22.1111% | 1,139 |
| Total risk-based capital ratio | 23.2624% | 1,127 |
| Memoranda: | ||
| Average total assets | $53,508,200 | 6,579 |
| Average earning assets | $50,631,600 | 6,511 |
| Average equity | $9,344,400 | 5,490 |
| Average total loans | $42,075,000 | 6,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7922% | 427 |
| Cost of funding earning assets | 1.6945% | 4,925 |
| Net interest margin | 5.0977% | 367 |
| Noninterest income to average assets | 0.5889% | 3,786 |
| Noninterest expense to average assets | 6.2510% | 282 |
| Loan and lease loss provision to assets | 0.7887% | 2,397 |
| Net operating income to assets | -1.6493% | 7,175 |
| Return on assets (ROA) | -1.6493% | 7,172 |
| Pretax return on assets | -1.6493% | 7,026 |
| Return on Equity (ROE) | -8.8045% | 6,799 |
| Retained earnings to average equity (ytd only) | -8.8045% | 6,688 |
| Net charge-offs to loans | 0.4013% | 3,657 |
| Credit loss provision to net charge-offs | 244.6281% | 1,775 |
| Earnings coverage of net charge-offs (x) | -2.6694% | 6,785 |
| Efficiency ratio | 115.9664% | 655 |
| Assets per employee ($millions) | 3.5551% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,704 |
| Loan loss allowance to noncurrent loans | 493.4066% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,191 |
| Noncurrent loans to loans | 0.1850% | 7,030 |
| Net loans and leases to total assets | 76.1798% | 1,961 |
| Net loans and leases to deposits | 95.0199% | 1,711 |
| Net loans and leases to core deposits | 206.5811% | 90 |
| Total domestic deposits to total assets | 80.1725% | 5,376 |
| Equity capital to assets | 14.3237% | 1,197 |
| Core capital (leverage) ratio | 14.2142% | 1,037 |
| Tier 1 risk-based capital ratio | 23.1654% | 1,089 |
| Total risk-based capital ratio | 24.3588% | 1,068 |
| Memoranda: | ||
| Average total assets | $50,038,750 | 6,756 |
| Average earning assets | $47,131,000 | 6,684 |
| Average equity | $9,373,750 | 5,528 |
| Average total loans | $40,202,000 | 6,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9461% | 352 |
| Cost of funding earning assets | 1.8605% | 4,465 |
| Net interest margin | 5.0856% | 367 |
| Noninterest income to average assets | 0.5376% | 4,131 |
| Noninterest expense to average assets | 7.1649% | 206 |
| Loan and lease loss provision to assets | 1.1457% | 1,499 |
| Net operating income to assets | -3.0273% | 7,681 |
| Return on assets (ROA) | -3.0273% | 7,680 |
| Pretax return on assets | -3.0273% | 7,578 |
| Return on Equity (ROE) | -14.5505% | 7,312 |
| Retained earnings to average equity (ytd only) | -14.5505% | 7,218 |
| Net charge-offs to loans | 0.2849% | 3,765 |
| Credit loss provision to net charge-offs | 490.5660% | 946 |
| Earnings coverage of net charge-offs (x) | -8.0566% | 6,501 |
| Efficiency ratio | 135.6130% | 478 |
| Assets per employee ($millions) | 3.1687% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 5,992 |
| Loan loss allowance to noncurrent loans | 372.8682% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 6,401 |
| Noncurrent loans to loans | 0.2775% | 6,829 |
| Net loans and leases to total assets | 80.6722% | 1,199 |
| Net loans and leases to deposits | 103.5792% | 938 |
| Net loans and leases to core deposits | 235.2764% | 67 |
| Total domestic deposits to total assets | 77.8845% | 6,108 |
| Equity capital to assets | 15.9510% | 834 |
| Core capital (leverage) ratio | 16.7166% | 650 |
| Tier 1 risk-based capital ratio | 24.7156% | 967 |
| Total risk-based capital ratio | 25.9931% | 950 |
| Memoranda: | ||
| Average total assets | $45,387,670 | 7,004 |
| Average earning assets | $42,355,000 | 6,957 |
| Average equity | $9,443,000 | 5,528 |
| Average total loans | $37,203,330 | 6,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9986% | 339 |
| Cost of funding earning assets | 1.9531% | 4,365 |
| Net interest margin | 5.0455% | 363 |
| Noninterest income to average assets | 0.7178% | 2,776 |
| Noninterest expense to average assets | 7.8255% | 161 |
| Loan and lease loss provision to assets | 1.0313% | 1,273 |
| Net operating income to assets | -3.4376% | 7,908 |
| Return on assets (ROA) | -3.4376% | 7,906 |
| Pretax return on assets | -3.4376% | 7,825 |
| Return on Equity (ROE) | -14.1438% | 7,569 |
| Retained earnings to average equity (ytd only) | -14.1438% | 7,388 |
| Net charge-offs to loans | 0.0614% | 4,598 |
| Credit loss provision to net charge-offs | 2,040.0000% | 310 |
| Earnings coverage of net charge-offs (x) | -47.6000% | 5,693 |
| Efficiency ratio | 144.4030% | 387 |
| Assets per employee ($millions) | 2.1390% | 7,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,348 |
| Loan loss allowance to noncurrent loans | 194.2408% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,230 |
| Noncurrent loans to loans | 0.5017% | 6,173 |
| Net loans and leases to total assets | 83.9222% | 699 |
| Net loans and leases to deposits | 106.9388% | 796 |
| Net loans and leases to core deposits | 245.5031% | 69 |
| Total domestic deposits to total assets | 78.4768% | 5,869 |
| Equity capital to assets | 21.0290% | 363 |
| Core capital (leverage) ratio | 23.5233% | 268 |
| Tier 1 risk-based capital ratio | 30.4846% | 601 |
| Total risk-based capital ratio | 31.7418% | 589 |
| Memoranda: | ||
| Average total assets | $39,563,000 | 7,271 |
| Average earning assets | $36,864,500 | 7,222 |
| Average equity | $9,615,500 | 5,502 |
| Average total loans | $32,558,000 | 6,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0368% | 5,383 |
| Cost of funding earning assets | 1.1800% | 7,964 |
| Net interest margin | 4.8568% | 693 |
| Noninterest income to average assets | 1.5202% | 606 |
| Noninterest expense to average assets | 14.2058% | 80 |
| Loan and lease loss provision to assets | 1.1595% | 1,251 |
| Net operating income to assets | -9.4262% | 8,252 |
| Return on assets (ROA) | -9.4262% | 8,248 |
| Pretax return on assets | -9.4262% | 8,237 |
| Return on Equity (ROE) | -20.2655% | 7,765 |
| Retained earnings to average equity (ytd only) | -20.2655% | 7,686 |
| Net charge-offs to loans | 0.1439% | 4,774 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | -106.9444% | 7,007 |
| Efficiency ratio | 239.1902% | 151 |
| Assets per employee ($millions) | 1.6289% | 8,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 5,901 |
| Loan loss allowance to noncurrent loans | 53.5156% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 3,229 |
| Noncurrent loans to loans | 1.8929% | 2,918 |
| Net loans and leases to total assets | 78.2705% | 2,058 |
| Net loans and leases to deposits | 110.2945% | 811 |
| Net loans and leases to core deposits | 211.2347% | 137 |
| Total domestic deposits to total assets | 70.9650% | 7,164 |
| Equity capital to assets | 28.6053% | 190 |
| Core capital (leverage) ratio | 30.7883% | 177 |
| Tier 1 risk-based capital ratio | 46.4890% | 246 |
| Total risk-based capital ratio | 47.7888% | 243 |
| Memoranda: | ||
| Average total assets | $23,286,200 | 7,901 |
| Average earning assets | $21,186,600 | 7,888 |
| Average equity | $10,831,200 | 5,175 |
| Average total loans | $12,505,400 | 7,802 |