Home > Orange Savings Bank, ssb > Performance and Condition Ratios
Orange Savings Bank, ssb, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 1,206 |
| Cost of funding earning assets | 0.5401% | 3,677 |
| Net interest margin | 4.3009% | 971 |
| Noninterest income to average assets | 0.7377% | 2,389 |
| Noninterest expense to average assets | 2.7444% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0586% | 314 |
| Return on assets (ROA) | 2.0658% | 339 |
| Pretax return on assets | 2.0658% | 533 |
| Return on Equity (ROE) | 19.9310% | 301 |
| Retained earnings to average equity (ytd only) | 6.7839% | 2,260 |
| Net charge-offs to loans | 0.0297% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 368 |
| Efficiency ratio | 57.1402% | 5,943 |
| Assets per employee ($millions) | 4.5603% | 2,859 |
| Cash dividends to net income (ytd only)* | 65.9631% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 5,963 |
| Loan loss allowance to noncurrent loans | 606.8966% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 4,564 |
| Noncurrent loans to loans | 0.1658% | 5,985 |
| Net loans and leases to total assets | 67.2308% | 2,151 |
| Net loans and leases to deposits | 77.5298% | 2,414 |
| Net loans and leases to core deposits | 90.3243% | 1,673 |
| Total domestic deposits to total assets | 86.7161% | 3,121 |
| Equity capital to assets | 10.4903% | 3,550 |
| Core capital (leverage) ratio | 9.4863% | 4,109 |
| Tier 1 risk-based capital ratio | 14.4971% | 4,176 |
| Total risk-based capital ratio | 15.5296% | 4,272 |
| Memoranda: | ||
| Average total assets | $440,309,000 | 1,525 |
| Average earning assets | $416,187,500 | 1,482 |
| Average equity | $45,637,500 | 1,572 |
| Average total loans | $296,589,500 | 1,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 1,869 |
| Cost of funding earning assets | 0.7060% | 3,450 |
| Net interest margin | 4.1851% | 1,698 |
| Noninterest income to average assets | 0.6999% | 2,725 |
| Noninterest expense to average assets | 2.8887% | 3,683 |
| Loan and lease loss provision to assets | 0.1663% | 3,532 |
| Net operating income to assets | 1.6039% | 755 |
| Return on assets (ROA) | 1.5953% | 847 |
| Pretax return on assets | 1.5953% | 1,404 |
| Return on Equity (ROE) | 15.5260% | 728 |
| Retained earnings to average equity (ytd only) | 9.1676% | 775 |
| Net charge-offs to loans | 0.0969% | 4,692 |
| Credit loss provision to net charge-offs | 272.3735% | 888 |
| Earnings coverage of net charge-offs (x) | 28.9922% | 1,033 |
| Efficiency ratio | 62.0041% | 5,237 |
| Assets per employee ($millions) | 4.5653% | 2,852 |
| Cash dividends to net income (ytd only)* | 40.9531% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 5,900 |
| Loan loss allowance to noncurrent loans | 530.6338% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 4,600 |
| Noncurrent loans to loans | 0.1920% | 5,985 |
| Net loans and leases to total assets | 66.1303% | 2,508 |
| Net loans and leases to deposits | 76.8383% | 2,677 |
| Net loans and leases to core deposits | 89.0318% | 1,964 |
| Total domestic deposits to total assets | 86.0642% | 3,326 |
| Equity capital to assets | 10.2409% | 3,840 |
| Core capital (leverage) ratio | 9.4901% | 4,117 |
| Tier 1 risk-based capital ratio | 14.2221% | 4,225 |
| Total risk-based capital ratio | 15.2613% | 4,338 |
| Memoranda: | ||
| Average total assets | $420,911,800 | 1,559 |
| Average earning assets | $398,172,000 | 1,513 |
| Average equity | $43,250,000 | 1,610 |
| Average total loans | $265,286,000 | 1,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 2,017 |
| Cost of funding earning assets | 0.7244% | 3,558 |
| Net interest margin | 4.1724% | 1,821 |
| Noninterest income to average assets | 0.7183% | 2,628 |
| Noninterest expense to average assets | 2.9180% | 3,524 |
| Loan and lease loss provision to assets | 0.1605% | 3,506 |
| Net operating income to assets | 1.5900% | 865 |
| Return on assets (ROA) | 1.5900% | 963 |
| Pretax return on assets | 1.5900% | 1,608 |
| Return on Equity (ROE) | 15.4597% | 823 |
| Retained earnings to average equity (ytd only) | 6.8779% | 2,190 |
| Net charge-offs to loans | 0.0461% | 5,004 |
| Credit loss provision to net charge-offs | 561.7978% | 474 |
| Earnings coverage of net charge-offs (x) | 61.2828% | 642 |
| Efficiency ratio | 62.5052% | 5,070 |
| Assets per employee ($millions) | 4.2926% | 3,285 |
| Cash dividends to net income (ytd only)* | 55.5108% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 5,797 |
| Loan loss allowance to noncurrent loans | 649.6732% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 4,680 |
| Noncurrent loans to loans | 0.1663% | 6,196 |
| Net loans and leases to total assets | 64.2509% | 2,990 |
| Net loans and leases to deposits | 73.0277% | 3,444 |
| Net loans and leases to core deposits | 83.3124% | 2,777 |
| Total domestic deposits to total assets | 87.9816% | 2,054 |
| Equity capital to assets | 10.4547% | 3,896 |
| Core capital (leverage) ratio | 9.4035% | 4,428 |
| Tier 1 risk-based capital ratio | 14.8115% | 3,971 |
| Total risk-based capital ratio | 15.9301% | 4,027 |
| Memoranda: | ||
| Average total assets | $415,431,750 | 1,594 |
| Average earning assets | $393,306,750 | 1,545 |
| Average equity | $42,725,000 | 1,645 |
| Average total loans | $257,642,500 | 1,617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 2,235 |
| Cost of funding earning assets | 0.7424% | 3,667 |
| Net interest margin | 4.1256% | 1,988 |
| Noninterest income to average assets | 0.7728% | 2,328 |
| Noninterest expense to average assets | 2.9002% | 3,616 |
| Loan and lease loss provision to assets | 0.1455% | 3,700 |
| Net operating income to assets | 1.6310% | 788 |
| Return on assets (ROA) | 1.6310% | 877 |
| Pretax return on assets | 1.6310% | 1,455 |
| Return on Equity (ROE) | 15.9499% | 775 |
| Retained earnings to average equity (ytd only) | 6.4616% | 2,404 |
| Net charge-offs to loans | 0.0191% | 5,142 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 152.5833% | 293 |
| Efficiency ratio | 62.0124% | 5,243 |
| Assets per employee ($millions) | 4.1787% | 3,502 |
| Cash dividends to net income (ytd only)* | 59.4884% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,883 |
| Loan loss allowance to noncurrent loans | 1,201.2658% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 4,605 |
| Noncurrent loans to loans | 0.0894% | 6,438 |
| Net loans and leases to total assets | 62.1662% | 3,399 |
| Net loans and leases to deposits | 70.8886% | 3,777 |
| Net loans and leases to core deposits | 81.1251% | 3,067 |
| Total domestic deposits to total assets | 87.6957% | 2,338 |
| Equity capital to assets | 10.1645% | 4,104 |
| Core capital (leverage) ratio | 9.2986% | 4,458 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,785 |
| Total risk-based capital ratio | 16.0731% | 3,846 |
| Memoranda: | ||
| Average total assets | $412,254,000 | 1,608 |
| Average earning assets | $390,103,330 | 1,553 |
| Average equity | $42,157,000 | 1,654 |
| Average total loans | $251,514,670 | 1,652 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 2,391 |
| Cost of funding earning assets | 0.7540% | 3,834 |
| Net interest margin | 4.1073% | 2,064 |
| Noninterest income to average assets | 0.7207% | 2,554 |
| Noninterest expense to average assets | 2.9213% | 3,536 |
| Loan and lease loss provision to assets | 0.0982% | 4,118 |
| Net operating income to assets | 1.5848% | 884 |
| Return on assets (ROA) | 1.5848% | 992 |
| Pretax return on assets | 1.5848% | 1,618 |
| Return on Equity (ROE) | 15.4502% | 898 |
| Retained earnings to average equity (ytd only) | 5.8776% | 3,028 |
| Net charge-offs to loans | 0.0229% | 4,363 |
| Credit loss provision to net charge-offs | 714.2857% | 489 |
| Earnings coverage of net charge-offs (x) | 122.4286% | 288 |
| Efficiency ratio | 63.4464% | 5,029 |
| Assets per employee ($millions) | 4.3539% | 3,295 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,961 |
| Loan loss allowance to noncurrent loans | 635.6459% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 4,553 |
| Noncurrent loans to loans | 0.1701% | 6,339 |
| Net loans and leases to total assets | 58.7799% | 3,908 |
| Net loans and leases to deposits | 67.0225% | 4,226 |
| Net loans and leases to core deposits | 76.8333% | 3,498 |
| Total domestic deposits to total assets | 87.7018% | 2,528 |
| Equity capital to assets | 10.1837% | 3,872 |
| Core capital (leverage) ratio | 9.3717% | 4,234 |
| Tier 1 risk-based capital ratio | 15.8315% | 3,263 |
| Total risk-based capital ratio | 16.9414% | 3,310 |
| Memoranda: | ||
| Average total assets | $407,358,000 | 1,629 |
| Average earning assets | $385,169,500 | 1,574 |
| Average equity | $41,786,000 | 1,658 |
| Average total loans | $244,663,500 | 1,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 2,596 |
| Cost of funding earning assets | 0.8793% | 4,259 |
| Net interest margin | 4.1831% | 2,114 |
| Noninterest income to average assets | 0.3975% | 4,633 |
| Noninterest expense to average assets | 2.9494% | 3,773 |
| Loan and lease loss provision to assets | 0.1411% | 4,851 |
| Net operating income to assets | 1.2418% | 1,401 |
| Return on assets (ROA) | 1.2690% | 1,429 |
| Pretax return on assets | 1.2690% | 2,244 |
| Return on Equity (ROE) | 12.0677% | 1,387 |
| Retained earnings to average equity (ytd only) | 1.0926% | 5,343 |
| Net charge-offs to loans | 0.0635% | 5,662 |
| Credit loss provision to net charge-offs | 366.6667% | 633 |
| Earnings coverage of net charge-offs (x) | 35.9467% | 730 |
| Efficiency ratio | 68.0796% | 4,340 |
| Assets per employee ($millions) | 4.2670% | 3,327 |
| Cash dividends to net income (ytd only)* | 90.9458% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,978 |
| Loan loss allowance to noncurrent loans | 454.2403% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 4,601 |
| Noncurrent loans to loans | 0.2324% | 6,274 |
| Net loans and leases to total assets | 60.0788% | 3,975 |
| Net loans and leases to deposits | 69.1968% | 4,243 |
| Net loans and leases to core deposits | 78.9946% | 3,574 |
| Total domestic deposits to total assets | 86.8231% | 2,860 |
| Equity capital to assets | 10.3342% | 3,737 |
| Core capital (leverage) ratio | 9.4239% | 4,153 |
| Tier 1 risk-based capital ratio | 15.7769% | 3,164 |
| Total risk-based capital ratio | 16.8647% | 3,215 |
| Memoranda: | ||
| Average total assets | $389,910,200 | 1,661 |
| Average earning assets | $366,760,000 | 1,611 |
| Average equity | $41,002,000 | 1,637 |
| Average total loans | $236,307,000 | 1,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 2,664 |
| Cost of funding earning assets | 0.9056% | 4,358 |
| Net interest margin | 4.1822% | 2,170 |
| Noninterest income to average assets | 0.4109% | 4,580 |
| Noninterest expense to average assets | 2.8738% | 4,041 |
| Loan and lease loss provision to assets | 0.1550% | 4,527 |
| Net operating income to assets | 1.3122% | 1,344 |
| Return on assets (ROA) | 1.3257% | 1,403 |
| Pretax return on assets | 1.3257% | 2,200 |
| Return on Equity (ROE) | 12.5504% | 1,397 |
| Retained earnings to average equity (ytd only) | 1.1380% | 5,561 |
| Net charge-offs to loans | 0.0660% | 5,302 |
| Credit loss provision to net charge-offs | 387.9310% | 728 |
| Earnings coverage of net charge-offs (x) | 36.7248% | 820 |
| Efficiency ratio | 66.2012% | 4,684 |
| Assets per employee ($millions) | 4.6352% | 2,710 |
| Cash dividends to net income (ytd only)* | 90.9327% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 6,015 |
| Loan loss allowance to noncurrent loans | 506.0606% | 646 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 4,660 |
| Noncurrent loans to loans | 0.2098% | 6,453 |
| Net loans and leases to total assets | 57.8899% | 4,532 |
| Net loans and leases to deposits | 67.1822% | 4,742 |
| Net loans and leases to core deposits | 76.6421% | 4,104 |
| Total domestic deposits to total assets | 86.1685% | 3,114 |
| Equity capital to assets | 10.4158% | 3,809 |
| Core capital (leverage) ratio | 9.5167% | 4,125 |
| Tier 1 risk-based capital ratio | 16.3533% | 2,940 |
| Total risk-based capital ratio | 17.4549% | 2,975 |
| Memoranda: | ||
| Average total assets | $387,114,000 | 1,684 |
| Average earning assets | $363,783,000 | 1,634 |
| Average equity | $40,890,000 | 1,645 |
| Average total loans | $234,497,750 | 1,801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 2,370 |
| Cost of funding earning assets | 0.9371% | 4,414 |
| Net interest margin | 4.2358% | 1,894 |
| Noninterest income to average assets | 0.3196% | 5,342 |
| Noninterest expense to average assets | 2.8292% | 4,314 |
| Loan and lease loss provision to assets | 0.1572% | 4,349 |
| Net operating income to assets | 1.3025% | 1,312 |
| Return on assets (ROA) | 1.3308% | 1,322 |
| Pretax return on assets | 1.3308% | 2,037 |
| Return on Equity (ROE) | 12.5373% | 1,328 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,594 |
| Net charge-offs to loans | 0.1145% | 4,561 |
| Credit loss provision to net charge-offs | 223.8806% | 1,339 |
| Earnings coverage of net charge-offs (x) | 20.7910% | 1,177 |
| Efficiency ratio | 65.9663% | 4,880 |
| Assets per employee ($millions) | 4.4847% | 2,866 |
| Cash dividends to net income (ytd only)* | 78.7402% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,302 |
| Loan loss allowance to noncurrent loans | 504.7516% | 661 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 4,450 |
| Noncurrent loans to loans | 0.1994% | 6,510 |
| Net loans and leases to total assets | 60.3043% | 4,218 |
| Net loans and leases to deposits | 70.8553% | 4,317 |
| Net loans and leases to core deposits | 81.1087% | 3,637 |
| Total domestic deposits to total assets | 85.1091% | 3,831 |
| Equity capital to assets | 10.8631% | 3,110 |
| Core capital (leverage) ratio | 9.8164% | 3,496 |
| Tier 1 risk-based capital ratio | 16.7664% | 2,622 |
| Total risk-based capital ratio | 17.8146% | 2,669 |
| Memoranda: | ||
| Average total assets | $381,731,330 | 1,715 |
| Average earning assets | $357,709,330 | 1,670 |
| Average equity | $40,519,000 | 1,654 |
| Average total loans | $234,012,670 | 1,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 2,452 |
| Cost of funding earning assets | 0.9500% | 4,563 |
| Net interest margin | 4.1956% | 1,903 |
| Noninterest income to average assets | 0.4063% | 4,661 |
| Noninterest expense to average assets | 2.8293% | 4,334 |
| Loan and lease loss provision to assets | 0.1571% | 4,062 |
| Net operating income to assets | 1.3508% | 1,151 |
| Return on assets (ROA) | 1.4073% | 1,086 |
| Pretax return on assets | 1.4073% | 1,708 |
| Return on Equity (ROE) | 13.4153% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.4153% | 529 |
| Net charge-offs to loans | 0.2009% | 3,302 |
| Credit loss provision to net charge-offs | 127.1186% | 2,173 |
| Earnings coverage of net charge-offs (x) | 12.2034% | 1,507 |
| Efficiency ratio | 65.2342% | 5,162 |
| Assets per employee ($millions) | 4.4980% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 6,563 |
| Loan loss allowance to noncurrent loans | 708.3601% | 497 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 4,014 |
| Noncurrent loans to loans | 0.1334% | 6,712 |
| Net loans and leases to total assets | 60.3797% | 4,192 |
| Net loans and leases to deposits | 70.8143% | 4,220 |
| Net loans and leases to core deposits | 81.3095% | 3,561 |
| Total domestic deposits to total assets | 85.2648% | 3,908 |
| Equity capital to assets | 10.7530% | 2,927 |
| Core capital (leverage) ratio | 10.0092% | 3,135 |
| Tier 1 risk-based capital ratio | 17.0335% | 2,458 |
| Total risk-based capital ratio | 18.0162% | 2,529 |
| Memoranda: | ||
| Average total assets | $381,997,000 | 1,719 |
| Average earning assets | $357,898,000 | 1,681 |
| Average equity | $40,073,500 | 1,666 |
| Average total loans | $234,910,500 | 1,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 2,864 |
| Cost of funding earning assets | 1.0520% | 5,423 |
| Net interest margin | 4.3065% | 1,803 |
| Noninterest income to average assets | 0.6192% | 3,347 |
| Noninterest expense to average assets | 3.0445% | 3,674 |
| Loan and lease loss provision to assets | 0.3198% | 4,254 |
| Net operating income to assets | 1.3024% | 1,167 |
| Return on assets (ROA) | 0.7047% | 3,340 |
| Pretax return on assets | 0.7047% | 3,960 |
| Return on Equity (ROE) | 6.7972% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.4632% | 2,139 |
| Net charge-offs to loans | 0.0336% | 6,467 |
| Credit loss provision to net charge-offs | 1,593.1507% | 146 |
| Earnings coverage of net charge-offs (x) | 80.8219% | 302 |
| Efficiency ratio | 64.5614% | 5,251 |
| Assets per employee ($millions) | 4.4380% | 2,964 |
| Cash dividends to net income (ytd only)* | 19.6254% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,678 |
| Loan loss allowance to noncurrent loans | 479.2494% | 666 |
| Noncurrent assets plus other real estate owned to assets | 1.5865% | 3,925 |
| Noncurrent loans to loans | 0.1913% | 6,688 |
| Net loans and leases to total assets | 61.4670% | 4,403 |
| Net loans and leases to deposits | 71.6943% | 4,569 |
| Net loans and leases to core deposits | 82.9308% | 3,756 |
| Total domestic deposits to total assets | 85.7349% | 3,483 |
| Equity capital to assets | 10.2276% | 3,466 |
| Core capital (leverage) ratio | 9.7639% | 3,363 |
| Tier 1 risk-based capital ratio | 16.1463% | 2,676 |
| Total risk-based capital ratio | 17.0975% | 2,781 |
| Memoranda: | ||
| Average total assets | $363,709,200 | 1,802 |
| Average earning assets | $341,834,000 | 1,750 |
| Average equity | $37,706,800 | 1,751 |
| Average total loans | $217,052,600 | 1,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 2,946 |
| Cost of funding earning assets | 1.0653% | 5,618 |
| Net interest margin | 4.3196% | 1,779 |
| Noninterest income to average assets | 0.5872% | 3,524 |
| Noninterest expense to average assets | 3.0725% | 3,457 |
| Loan and lease loss provision to assets | 0.3760% | 3,632 |
| Net operating income to assets | 1.2022% | 1,590 |
| Return on assets (ROA) | 1.2813% | 1,460 |
| Pretax return on assets | 1.2813% | 2,224 |
| Return on Equity (ROE) | 12.3146% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.3146% | 427 |
| Net charge-offs to loans | 0.0119% | 6,498 |
| Credit loss provision to net charge-offs | 5,331.5789% | 52 |
| Earnings coverage of net charge-offs (x) | 223.8133% | 147 |
| Efficiency ratio | 65.1476% | 5,026 |
| Assets per employee ($millions) | 4.4275% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 6,713 |
| Loan loss allowance to noncurrent loans | 1,235.1190% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 5,417 |
| Noncurrent loans to loans | 0.0736% | 7,061 |
| Net loans and leases to total assets | 60.7790% | 4,764 |
| Net loans and leases to deposits | 70.9695% | 5,002 |
| Net loans and leases to core deposits | 82.5675% | 4,155 |
| Total domestic deposits to total assets | 85.6410% | 3,272 |
| Equity capital to assets | 10.7869% | 3,185 |
| Core capital (leverage) ratio | 9.7136% | 3,604 |
| Tier 1 risk-based capital ratio | 15.8633% | 2,832 |
| Total risk-based capital ratio | 16.7841% | 2,945 |
| Memoranda: | ||
| Average total assets | $359,220,250 | 1,846 |
| Average earning assets | $337,923,750 | 1,793 |
| Average equity | $37,374,750 | 1,785 |
| Average total loans | $212,123,500 | 2,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 3,128 |
| Cost of funding earning assets | 1.0760% | 5,804 |
| Net interest margin | 4.2896% | 1,819 |
| Noninterest income to average assets | 0.8113% | 2,065 |
| Noninterest expense to average assets | 3.1500% | 3,098 |
| Loan and lease loss provision to assets | 0.5144% | 2,741 |
| Net operating income to assets | 1.1809% | 1,612 |
| Return on assets (ROA) | 1.2113% | 1,597 |
| Pretax return on assets | 1.2113% | 2,378 |
| Return on Equity (ROE) | 11.7936% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.7936% | 516 |
| Net charge-offs to loans | 0.0716% | 5,426 |
| Credit loss provision to net charge-offs | 1,233.7838% | 317 |
| Earnings coverage of net charge-offs (x) | 40.6622% | 718 |
| Efficiency ratio | 63.6744% | 5,395 |
| Assets per employee ($millions) | 4.0065% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,797 |
| Loan loss allowance to noncurrent loans | 156.3518% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 5,188 |
| Noncurrent loans to loans | 0.5682% | 6,111 |
| Net loans and leases to total assets | 59.4056% | 5,174 |
| Net loans and leases to deposits | 68.2583% | 5,531 |
| Net loans and leases to core deposits | 80.7245% | 4,589 |
| Total domestic deposits to total assets | 87.0306% | 2,515 |
| Equity capital to assets | 10.7816% | 3,091 |
| Core capital (leverage) ratio | 9.5268% | 3,782 |
| Tier 1 risk-based capital ratio | 15.7460% | 2,781 |
| Total risk-based capital ratio | 16.6273% | 2,929 |
| Memoranda: | ||
| Average total assets | $354,989,330 | 1,886 |
| Average earning assets | $333,829,330 | 1,829 |
| Average equity | $36,460,330 | 1,827 |
| Average total loans | $206,791,330 | 2,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 3,338 |
| Cost of funding earning assets | 1.0610% | 6,085 |
| Net interest margin | 4.2803% | 1,756 |
| Noninterest income to average assets | 0.8416% | 1,840 |
| Noninterest expense to average assets | 3.2005% | 2,862 |
| Loan and lease loss provision to assets | 0.5645% | 2,245 |
| Net operating income to assets | 1.0994% | 1,827 |
| Return on assets (ROA) | 1.1539% | 1,747 |
| Pretax return on assets | 1.1539% | 2,537 |
| Return on Equity (ROE) | 11.5284% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.5284% | 826 |
| Net charge-offs to loans | -0.0040% | 6,799 |
| Credit loss provision to net charge-offs | -24,850.0000% | 6,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4408% | 5,404 |
| Assets per employee ($millions) | 4.0789% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 7,217 |
| Loan loss allowance to noncurrent loans | 94.0476% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 4,888 |
| Noncurrent loans to loans | 0.8095% | 5,697 |
| Net loans and leases to total assets | 57.3801% | 5,540 |
| Net loans and leases to deposits | 65.1735% | 5,916 |
| Net loans and leases to core deposits | 77.5858% | 5,073 |
| Total domestic deposits to total assets | 88.0420% | 2,032 |
| Equity capital to assets | 10.2806% | 3,496 |
| Core capital (leverage) ratio | 9.3339% | 3,993 |
| Tier 1 risk-based capital ratio | 15.5280% | 2,856 |
| Total risk-based capital ratio | 16.2713% | 3,067 |
| Memoranda: | ||
| Average total assets | $352,190,500 | 1,946 |
| Average earning assets | $331,005,000 | 1,894 |
| Average equity | $35,252,000 | 1,909 |
| Average total loans | $202,122,500 | 2,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 2,432 |
| Cost of funding earning assets | 1.3556% | 6,116 |
| Net interest margin | 4.4971% | 1,186 |
| Noninterest income to average assets | 0.5468% | 4,051 |
| Noninterest expense to average assets | 3.0270% | 4,041 |
| Loan and lease loss provision to assets | 0.9625% | 2,349 |
| Net operating income to assets | 0.7637% | 2,661 |
| Return on assets (ROA) | 0.1184% | 5,208 |
| Pretax return on assets | 0.1184% | 5,178 |
| Return on Equity (ROE) | 1.4705% | 5,098 |
| Retained earnings to average equity (ytd only) | 0.5497% | 4,597 |
| Net charge-offs to loans | 2.3635% | 974 |
| Credit loss provision to net charge-offs | 70.4670% | 6,483 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 4,863 |
| Efficiency ratio | 62.2862% | 6,108 |
| Assets per employee ($millions) | 3.8382% | 4,185 |
| Cash dividends to net income (ytd only)* | 62.6214% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 7,616 |
| Loan loss allowance to noncurrent loans | 67.3520% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 4,765 |
| Noncurrent loans to loans | 0.8160% | 5,655 |
| Net loans and leases to total assets | 56.6302% | 5,882 |
| Net loans and leases to deposits | 65.0276% | 6,157 |
| Net loans and leases to core deposits | 88.3204% | 5,295 |
| Total domestic deposits to total assets | 87.0864% | 2,454 |
| Equity capital to assets | 9.7275% | 4,107 |
| Core capital (leverage) ratio | 8.6575% | 5,002 |
| Tier 1 risk-based capital ratio | 14.8993% | 3,008 |
| Total risk-based capital ratio | 15.4357% | 3,348 |
| Memoranda: | ||
| Average total assets | $348,039,000 | 1,959 |
| Average earning assets | $325,541,800 | 1,913 |
| Average equity | $28,017,400 | 2,370 |
| Average total loans | $201,141,400 | 2,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9459% | 2,248 |
| Cost of funding earning assets | 1.4227% | 6,142 |
| Net interest margin | 4.5233% | 1,136 |
| Noninterest income to average assets | 0.4466% | 4,923 |
| Noninterest expense to average assets | 2.9948% | 4,062 |
| Loan and lease loss provision to assets | 1.0787% | 1,806 |
| Net operating income to assets | 0.6003% | 3,600 |
| Return on assets (ROA) | 0.7395% | 3,126 |
| Pretax return on assets | 0.7395% | 3,734 |
| Return on Equity (ROE) | 9.6862% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.3941% | 1,011 |
| Net charge-offs to loans | 2.2460% | 848 |
| Credit loss provision to net charge-offs | 82.8001% | 5,686 |
| Earnings coverage of net charge-offs (x) | 1.2888% | 4,810 |
| Efficiency ratio | 62.6606% | 5,988 |
| Assets per employee ($millions) | 3.8643% | 4,039 |
| Cash dividends to net income (ytd only)* | 13.3402% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,340 |
| Loan loss allowance to noncurrent loans | 61.6975% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 3,980 |
| Noncurrent loans to loans | 1.6087% | 4,223 |
| Net loans and leases to total assets | 57.3349% | 5,987 |
| Net loans and leases to deposits | 65.9788% | 6,314 |
| Net loans and leases to core deposits | 87.2589% | 5,723 |
| Total domestic deposits to total assets | 86.8990% | 2,233 |
| Equity capital to assets | 8.9275% | 5,594 |
| Core capital (leverage) ratio | 7.4272% | 7,051 |
| Tier 1 risk-based capital ratio | 12.2970% | 4,713 |
| Total risk-based capital ratio | 13.2354% | 4,928 |
| Memoranda: | ||
| Average total assets | $348,690,250 | 1,964 |
| Average earning assets | $325,862,000 | 1,926 |
| Average equity | $26,621,250 | 2,496 |
| Average total loans | $202,251,500 | 2,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0104% | 2,141 |
| Cost of funding earning assets | 1.5038% | 6,121 |
| Net interest margin | 4.5066% | 1,155 |
| Noninterest income to average assets | 0.5771% | 3,855 |
| Noninterest expense to average assets | 3.0431% | 3,902 |
| Loan and lease loss provision to assets | 0.9152% | 1,843 |
| Net operating income to assets | 0.8229% | 2,766 |
| Return on assets (ROA) | 0.9479% | 2,383 |
| Pretax return on assets | 0.9479% | 3,186 |
| Return on Equity (ROE) | 13.1555% | 1,148 |
| Retained earnings to average equity (ytd only) | 11.1035% | 547 |
| Net charge-offs to loans | 2.1034% | 879 |
| Credit loss provision to net charge-offs | 74.9765% | 5,323 |
| Earnings coverage of net charge-offs (x) | 1.4239% | 4,463 |
| Efficiency ratio | 62.2678% | 6,208 |
| Assets per employee ($millions) | 3.9366% | 3,804 |
| Cash dividends to net income (ytd only)* | 15.5985% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,068 |
| Loan loss allowance to noncurrent loans | 57.2266% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 3,662 |
| Noncurrent loans to loans | 1.7851% | 3,823 |
| Net loans and leases to total assets | 56.7206% | 6,123 |
| Net loans and leases to deposits | 64.0353% | 6,561 |
| Net loans and leases to core deposits | 83.7480% | 6,107 |
| Total domestic deposits to total assets | 88.5770% | 1,492 |
| Equity capital to assets | 8.4263% | 6,157 |
| Core capital (leverage) ratio | 7.2855% | 7,264 |
| Tier 1 risk-based capital ratio | 11.9980% | 4,919 |
| Total risk-based capital ratio | 12.9616% | 5,118 |
| Memoranda: | ||
| Average total assets | $348,990,330 | 1,983 |
| Average earning assets | $325,566,670 | 1,945 |
| Average equity | $25,145,330 | 2,625 |
| Average total loans | $202,534,000 | 2,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0115% | 2,311 |
| Cost of funding earning assets | 1.6116% | 5,981 |
| Net interest margin | 4.4000% | 1,337 |
| Noninterest income to average assets | 0.4973% | 4,343 |
| Noninterest expense to average assets | 2.8630% | 4,287 |
| Loan and lease loss provision to assets | 1.2001% | 1,081 |
| Net operating income to assets | 0.5260% | 4,309 |
| Return on assets (ROA) | 0.6902% | 3,789 |
| Pretax return on assets | 0.6902% | 4,466 |
| Return on Equity (ROE) | 10.4718% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.9210% | 1,507 |
| Net charge-offs to loans | 3.7323% | 326 |
| Credit loss provision to net charge-offs | 55.0580% | 4,600 |
| Earnings coverage of net charge-offs (x) | 0.7919% | 4,394 |
| Efficiency ratio | 60.9359% | 6,262 |
| Assets per employee ($millions) | 4.0597% | 3,539 |
| Cash dividends to net income (ytd only)* | 14.8087% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,909 |
| Loan loss allowance to noncurrent loans | 33.1419% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 2,871 |
| Noncurrent loans to loans | 2.5980% | 2,537 |
| Net loans and leases to total assets | 57.0858% | 6,086 |
| Net loans and leases to deposits | 64.1031% | 6,555 |
| Net loans and leases to core deposits | 82.5024% | 6,194 |
| Total domestic deposits to total assets | 89.0532% | 1,209 |
| Equity capital to assets | 6.8581% | 7,744 |
| Core capital (leverage) ratio | 5.6172% | 8,067 |
| Tier 1 risk-based capital ratio | 9.6737% | 7,277 |
| Total risk-based capital ratio | 10.5220% | 7,590 |
| Memoranda: | ||
| Average total assets | $348,307,500 | 1,995 |
| Average earning assets | $323,910,000 | 1,959 |
| Average equity | $22,957,000 | 2,883 |
| Average total loans | $203,413,500 | 2,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1074% | 5,002 |
| Cost of funding earning assets | 2.3398% | 4,971 |
| Net interest margin | 3.7676% | 4,144 |
| Noninterest income to average assets | 0.3780% | 5,661 |
| Noninterest expense to average assets | 2.8844% | 4,503 |
| Loan and lease loss provision to assets | 0.7357% | 2,015 |
| Net operating income to assets | 0.2356% | 5,740 |
| Return on assets (ROA) | -0.5028% | 6,806 |
| Pretax return on assets | -0.5028% | 6,655 |
| Return on Equity (ROE) | -6.9915% | 7,048 |
| Retained earnings to average equity (ytd only) | -13.8850% | 7,393 |
| Net charge-offs to loans | 0.4015% | 2,805 |
| Credit loss provision to net charge-offs | 299.3758% | 1,513 |
| Earnings coverage of net charge-offs (x) | 3.9526% | 4,167 |
| Efficiency ratio | 72.9710% | 3,758 |
| Assets per employee ($millions) | 4.2376% | 3,051 |
| Cash dividends to net income (ytd only)* | -98.5967% | 8,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,076 |
| Loan loss allowance to noncurrent loans | 32.1838% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 2.9432% | 1,569 |
| Noncurrent loans to loans | 3.9030% | 1,263 |
| Net loans and leases to total assets | 58.4795% | 6,131 |
| Net loans and leases to deposits | 66.6298% | 6,600 |
| Net loans and leases to core deposits | 85.7351% | 6,151 |
| Total domestic deposits to total assets | 87.7677% | 1,570 |
| Equity capital to assets | 6.3226% | 7,990 |
| Core capital (leverage) ratio | 5.7311% | 8,139 |
| Tier 1 risk-based capital ratio | 9.7069% | 7,075 |
| Total risk-based capital ratio | 10.9495% | 6,989 |
| Memoranda: | ||
| Average total assets | $325,955,600 | 2,051 |
| Average earning assets | $300,879,400 | 2,030 |
| Average equity | $23,442,600 | 2,795 |
| Average total loans | $199,479,000 | 2,304 |