Home > Osage Federal Bank > Performance and Condition Ratios
Osage Federal Bank, 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 | 4.4259% | 3,940 |
| Cost of funding earning assets | 1.2273% | 610 |
| Net interest margin | 3.1986% | 5,707 |
| Noninterest income to average assets | 0.9230% | 1,753 |
| Noninterest expense to average assets | 3.0819% | 2,941 |
| Loan and lease loss provision to assets | 0.0236% | 5,500 |
| Net operating income to assets | 0.6728% | 4,033 |
| Return on assets (ROA) | 0.3549% | 5,622 |
| Pretax return on assets | 0.4160% | 5,680 |
| Return on Equity (ROE) | 2.6599% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.6599% | 4,966 |
| Net charge-offs to loans | 0.0172% | 5,438 |
| Credit loss provision to net charge-offs | 245.4545% | 1,126 |
| Earnings coverage of net charge-offs (x) | 84.6149% | 491 |
| Efficiency ratio | 79.1115% | 2,223 |
| Assets per employee ($millions) | 4.0663% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 6,711 |
| Loan loss allowance to noncurrent loans | 384.9673% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 5,361 |
| Noncurrent loans to loans | 0.1884% | 6,136 |
| Net loans and leases to total assets | 53.5719% | 4,811 |
| Net loans and leases to deposits | 71.3852% | 3,690 |
| Net loans and leases to core deposits | 82.9228% | 2,837 |
| Total domestic deposits to total assets | 75.0462% | 6,512 |
| Equity capital to assets | 13.8255% | 1,227 |
| Core capital (leverage) ratio | 13.1865% | 1,118 |
| Tier 1 risk-based capital ratio | 27.0575% | 742 |
| Total risk-based capital ratio | 27.8842% | 754 |
| Memoranda: | ||
| Average total assets | $152,544,750 | 3,780 |
| Average earning assets | $141,766,500 | 3,738 |
| Average equity | $20,351,000 | 3,195 |
| Average total loans | $85,314,000 | 3,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,741 |
| Cost of funding earning assets | 1.2676% | 601 |
| Net interest margin | 3.2385% | 5,625 |
| Noninterest income to average assets | 0.7739% | 2,321 |
| Noninterest expense to average assets | 2.8948% | 3,640 |
| Loan and lease loss provision to assets | -0.0157% | 7,036 |
| Net operating income to assets | 0.9501% | 2,659 |
| Return on assets (ROA) | 0.3928% | 5,476 |
| Pretax return on assets | 0.3485% | 5,832 |
| Return on Equity (ROE) | 2.9801% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.9801% | 4,655 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4828% | 2,670 |
| Assets per employee ($millions) | 4.0922% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 6,869 |
| Loan loss allowance to noncurrent loans | 78.1032% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 5,528 |
| Noncurrent loans to loans | 0.8465% | 4,824 |
| Net loans and leases to total assets | 55.5725% | 4,531 |
| Net loans and leases to deposits | 75.1131% | 3,110 |
| Net loans and leases to core deposits | 86.3565% | 2,381 |
| Total domestic deposits to total assets | 73.9851% | 6,677 |
| Equity capital to assets | 13.5352% | 1,286 |
| Core capital (leverage) ratio | 12.8988% | 1,177 |
| Tier 1 risk-based capital ratio | 25.8596% | 817 |
| Total risk-based capital ratio | 26.6222% | 851 |
| Memoranda: | ||
| Average total assets | $153,241,670 | 3,785 |
| Average earning assets | $142,475,000 | 3,746 |
| Average equity | $20,201,000 | 3,199 |
| Average total loans | $86,688,670 | 3,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 3,238 |
| Cost of funding earning assets | 1.3092% | 613 |
| Net interest margin | 3.3458% | 5,317 |
| Noninterest income to average assets | 0.7655% | 2,320 |
| Noninterest expense to average assets | 2.7972% | 4,044 |
| Loan and lease loss provision to assets | -0.0311% | 7,131 |
| Net operating income to assets | 0.6947% | 3,913 |
| Return on assets (ROA) | 0.6150% | 4,494 |
| Pretax return on assets | 0.9782% | 3,758 |
| Return on Equity (ROE) | 4.7271% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.7271% | 3,728 |
| Net charge-offs to loans | -0.0046% | 5,781 |
| Credit loss provision to net charge-offs | 1,200.0000% | 292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3005% | 3,379 |
| Assets per employee ($millions) | 4.1629% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 6,943 |
| Loan loss allowance to noncurrent loans | 86.8624% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 5,773 |
| Noncurrent loans to loans | 0.7395% | 5,189 |
| Net loans and leases to total assets | 56.4365% | 4,308 |
| Net loans and leases to deposits | 75.7820% | 2,828 |
| Net loans and leases to core deposits | 89.9206% | 1,856 |
| Total domestic deposits to total assets | 74.4722% | 6,703 |
| Equity capital to assets | 13.1113% | 1,394 |
| Core capital (leverage) ratio | 12.5973% | 1,295 |
| Tier 1 risk-based capital ratio | 23.3442% | 1,088 |
| Total risk-based capital ratio | 24.0396% | 1,144 |
| Memoranda: | ||
| Average total assets | $154,156,000 | 3,799 |
| Average earning assets | $142,984,000 | 3,762 |
| Average equity | $20,054,500 | 3,220 |
| Average total loans | $87,681,000 | 3,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 3,859 |
| Cost of funding earning assets | 1.4439% | 870 |
| Net interest margin | 3.3465% | 5,660 |
| Noninterest income to average assets | 0.7218% | 2,487 |
| Noninterest expense to average assets | 2.6206% | 5,013 |
| Loan and lease loss provision to assets | 0.0480% | 5,982 |
| Net operating income to assets | 0.7288% | 3,338 |
| Return on assets (ROA) | 0.6321% | 4,022 |
| Pretax return on assets | 1.0099% | 3,204 |
| Return on Equity (ROE) | 4.9447% | 4,418 |
| Retained earnings to average equity (ytd only) | -15.0946% | 6,872 |
| Net charge-offs to loans | 0.0509% | 5,808 |
| Credit loss provision to net charge-offs | 163.0435% | 1,682 |
| Earnings coverage of net charge-offs (x) | 41.0435% | 659 |
| Efficiency ratio | 67.3746% | 4,496 |
| Assets per employee ($millions) | 4.1698% | 3,513 |
| Cash dividends to net income (ytd only)* | 405.2685% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 6,957 |
| Loan loss allowance to noncurrent loans | 72.2573% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 5,469 |
| Noncurrent loans to loans | 0.9024% | 4,876 |
| Net loans and leases to total assets | 56.5833% | 4,609 |
| Net loans and leases to deposits | 76.4614% | 3,100 |
| Net loans and leases to core deposits | 90.8456% | 2,006 |
| Total domestic deposits to total assets | 74.0025% | 6,717 |
| Equity capital to assets | 12.9074% | 1,535 |
| Core capital (leverage) ratio | 12.3855% | 1,400 |
| Tier 1 risk-based capital ratio | 22.8525% | 1,116 |
| Total risk-based capital ratio | 23.5419% | 1,169 |
| Memoranda: | ||
| Average total assets | $156,148,000 | 3,700 |
| Average earning assets | $145,019,200 | 3,657 |
| Average equity | $19,960,800 | 3,153 |
| Average total loans | $90,348,000 | 3,842 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 4,011 |
| Cost of funding earning assets | 1.4693% | 956 |
| Net interest margin | 3.3331% | 5,762 |
| Noninterest income to average assets | 0.6325% | 2,977 |
| Noninterest expense to average assets | 2.5191% | 5,402 |
| Loan and lease loss provision to assets | 0.0639% | 5,655 |
| Net operating income to assets | 0.7217% | 3,498 |
| Return on assets (ROA) | 0.6002% | 4,267 |
| Pretax return on assets | 0.9594% | 3,562 |
| Return on Equity (ROE) | 4.7064% | 4,658 |
| Retained earnings to average equity (ytd only) | -21.9963% | 7,110 |
| Net charge-offs to loans | 0.0440% | 5,549 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 47.4988% | 675 |
| Efficiency ratio | 66.4005% | 4,636 |
| Assets per employee ($millions) | 4.1968% | 3,451 |
| Cash dividends to net income (ytd only)* | 567.3738% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 7,027 |
| Loan loss allowance to noncurrent loans | 113.3721% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 5,223 |
| Noncurrent loans to loans | 0.5732% | 5,729 |
| Net loans and leases to total assets | 56.0789% | 4,826 |
| Net loans and leases to deposits | 75.1628% | 3,480 |
| Net loans and leases to core deposits | 93.8940% | 1,800 |
| Total domestic deposits to total assets | 74.6098% | 6,687 |
| Equity capital to assets | 12.1985% | 2,103 |
| Core capital (leverage) ratio | 11.6417% | 1,927 |
| Tier 1 risk-based capital ratio | 21.6948% | 1,340 |
| Total risk-based capital ratio | 22.3827% | 1,408 |
| Memoranda: | ||
| Average total assets | $156,614,000 | 3,713 |
| Average earning assets | $145,646,000 | 3,670 |
| Average equity | $19,972,500 | 3,142 |
| Average total loans | $90,967,000 | 3,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 3,910 |
| Cost of funding earning assets | 1.5012% | 1,002 |
| Net interest margin | 3.3383% | 5,747 |
| Noninterest income to average assets | 0.5859% | 3,223 |
| Noninterest expense to average assets | 2.4567% | 5,674 |
| Loan and lease loss provision to assets | 0.0771% | 5,347 |
| Net operating income to assets | 0.7192% | 3,449 |
| Return on assets (ROA) | 0.5358% | 4,493 |
| Pretax return on assets | 0.8686% | 3,764 |
| Return on Equity (ROE) | 4.1399% | 4,864 |
| Retained earnings to average equity (ytd only) | -35.5715% | 7,279 |
| Net charge-offs to loans | 0.0635% | 5,005 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 33.0690% | 860 |
| Efficiency ratio | 65.4824% | 4,972 |
| Assets per employee ($millions) | 3.8796% | 4,043 |
| Cash dividends to net income (ytd only)* | 959.2326% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6367% | 7,096 |
| Loan loss allowance to noncurrent loans | 109.6525% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 5,253 |
| Noncurrent loans to loans | 0.5807% | 5,768 |
| Net loans and leases to total assets | 57.1180% | 4,801 |
| Net loans and leases to deposits | 76.5473% | 3,366 |
| Net loans and leases to core deposits | 95.9878% | 1,683 |
| Total domestic deposits to total assets | 74.6179% | 6,771 |
| Equity capital to assets | 12.3196% | 1,891 |
| Core capital (leverage) ratio | 11.7446% | 1,749 |
| Tier 1 risk-based capital ratio | 21.5290% | 1,321 |
| Total risk-based capital ratio | 22.2044% | 1,406 |
| Memoranda: | ||
| Average total assets | $155,659,000 | 3,755 |
| Average earning assets | $144,683,670 | 3,717 |
| Average equity | $20,145,330 | 3,106 |
| Average total loans | $91,283,000 | 3,913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 3,717 |
| Cost of funding earning assets | 1.5311% | 1,051 |
| Net interest margin | 3.3409% | 5,640 |
| Noninterest income to average assets | 0.6004% | 3,165 |
| Noninterest expense to average assets | 2.5504% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6817% | 3,602 |
| Return on assets (ROA) | 0.4978% | 4,581 |
| Pretax return on assets | 0.8698% | 3,624 |
| Return on Equity (ROE) | 3.7562% | 5,018 |
| Retained earnings to average equity (ytd only) | -73.6919% | 7,465 |
| Net charge-offs to loans | -0.0043% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6817% | 4,717 |
| Assets per employee ($millions) | 4.3868% | 3,067 |
| Cash dividends to net income (ytd only)* | 2,061.8557% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 7,213 |
| Loan loss allowance to noncurrent loans | 65.7702% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 5,712 |
| Noncurrent loans to loans | 0.8999% | 5,246 |
| Net loans and leases to total assets | 57.2202% | 4,759 |
| Net loans and leases to deposits | 78.5018% | 2,976 |
| Net loans and leases to core deposits | 103.3239% | 1,107 |
| Total domestic deposits to total assets | 72.8903% | 7,008 |
| Equity capital to assets | 11.9202% | 1,964 |
| Core capital (leverage) ratio | 11.3505% | 1,932 |
| Tier 1 risk-based capital ratio | 20.4684% | 1,487 |
| Total risk-based capital ratio | 21.0867% | 1,592 |
| Memoranda: | ||
| Average total assets | $155,896,500 | 3,774 |
| Average earning assets | $144,992,500 | 3,731 |
| Average equity | $20,659,000 | 3,029 |
| Average total loans | $92,321,500 | 3,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 3,167 |
| Cost of funding earning assets | 1.8179% | 1,101 |
| Net interest margin | 3.4732% | 5,351 |
| Noninterest income to average assets | 0.7420% | 2,581 |
| Noninterest expense to average assets | 2.5763% | 5,521 |
| Loan and lease loss provision to assets | 0.0632% | 6,508 |
| Net operating income to assets | 0.7108% | 3,194 |
| Return on assets (ROA) | 0.8406% | 2,765 |
| Pretax return on assets | 1.5321% | 1,294 |
| Return on Equity (ROE) | 6.1171% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.1171% | 1,756 |
| Net charge-offs to loans | 0.0395% | 6,413 |
| Credit loss provision to net charge-offs | 256.4103% | 1,104 |
| Earnings coverage of net charge-offs (x) | 56.4872% | 418 |
| Efficiency ratio | 63.9274% | 5,368 |
| Assets per employee ($millions) | 3.8467% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 7,293 |
| Loan loss allowance to noncurrent loans | 57.4332% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 5,513 |
| Noncurrent loans to loans | 0.9974% | 5,064 |
| Net loans and leases to total assets | 60.5733% | 4,567 |
| Net loans and leases to deposits | 85.1363% | 2,255 |
| Net loans and leases to core deposits | 109.8859% | 926 |
| Total domestic deposits to total assets | 71.1486% | 7,162 |
| Equity capital to assets | 14.6184% | 878 |
| Core capital (leverage) ratio | 14.1087% | 823 |
| Tier 1 risk-based capital ratio | 23.5005% | 984 |
| Total risk-based capital ratio | 24.1081% | 1,039 |
| Memoranda: | ||
| Average total assets | $158,213,200 | 3,732 |
| Average earning assets | $146,982,000 | 3,687 |
| Average equity | $21,742,400 | 2,911 |
| Average total loans | $98,639,400 | 3,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 3,235 |
| Cost of funding earning assets | 1.8726% | 1,128 |
| Net interest margin | 3.4514% | 5,491 |
| Noninterest income to average assets | 0.8177% | 2,141 |
| Noninterest expense to average assets | 2.5377% | 5,571 |
| Loan and lease loss provision to assets | 0.0837% | 6,204 |
| Net operating income to assets | 0.9164% | 2,546 |
| Return on assets (ROA) | 0.8027% | 3,144 |
| Pretax return on assets | 1.2270% | 2,402 |
| Return on Equity (ROE) | 5.9320% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.9320% | 2,398 |
| Net charge-offs to loans | 0.0534% | 5,990 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 44.3767% | 630 |
| Efficiency ratio | 62.0969% | 5,605 |
| Assets per employee ($millions) | 3.9329% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5574% | 7,403 |
| Loan loss allowance to noncurrent loans | 84.5426% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 6,159 |
| Noncurrent loans to loans | 0.6593% | 5,886 |
| Net loans and leases to total assets | 60.7886% | 4,763 |
| Net loans and leases to deposits | 84.6919% | 2,582 |
| Net loans and leases to core deposits | 110.3738% | 1,016 |
| Total domestic deposits to total assets | 71.7762% | 7,154 |
| Equity capital to assets | 14.1736% | 1,114 |
| Core capital (leverage) ratio | 13.4534% | 1,075 |
| Tier 1 risk-based capital ratio | 22.6388% | 1,117 |
| Total risk-based capital ratio | 23.5481% | 1,133 |
| Memoranda: | ||
| Average total assets | $159,299,500 | 3,770 |
| Average earning assets | $147,956,500 | 3,721 |
| Average equity | $21,554,750 | 2,977 |
| Average total loans | $99,864,250 | 3,862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 3,050 |
| Cost of funding earning assets | 1.9158% | 1,180 |
| Net interest margin | 3.4668% | 5,377 |
| Noninterest income to average assets | 0.8002% | 2,112 |
| Noninterest expense to average assets | 2.5556% | 5,503 |
| Loan and lease loss provision to assets | 0.1250% | 5,637 |
| Net operating income to assets | 0.8735% | 2,646 |
| Return on assets (ROA) | 0.8077% | 3,079 |
| Pretax return on assets | 1.2378% | 2,300 |
| Return on Equity (ROE) | 6.0636% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.0636% | 2,301 |
| Net charge-offs to loans | 0.0811% | 5,327 |
| Credit loss provision to net charge-offs | 243.9024% | 1,581 |
| Earnings coverage of net charge-offs (x) | 28.5610% | 950 |
| Efficiency ratio | 62.5816% | 5,596 |
| Assets per employee ($millions) | 4.3200% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5457% | 7,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 7,136 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.9994% | 4,875 |
| Net loans and leases to deposits | 85.5881% | 2,578 |
| Net loans and leases to core deposits | 111.2770% | 1,080 |
| Total domestic deposits to total assets | 71.2708% | 7,240 |
| Equity capital to assets | 13.6361% | 1,293 |
| Core capital (leverage) ratio | 12.9756% | 1,217 |
| Tier 1 risk-based capital ratio | 19.7070% | 1,562 |
| Total risk-based capital ratio | 20.4634% | 1,630 |
| Memoranda: | ||
| Average total assets | $159,961,330 | 3,795 |
| Average earning assets | $148,550,670 | 3,727 |
| Average equity | $21,307,330 | 3,005 |
| Average total loans | $101,097,330 | 3,855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 2,849 |
| Cost of funding earning assets | 1.9797% | 1,158 |
| Net interest margin | 3.4638% | 5,318 |
| Noninterest income to average assets | 0.6724% | 2,798 |
| Noninterest expense to average assets | 2.5972% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8344% | 2,819 |
| Return on assets (ROA) | 0.8149% | 2,998 |
| Pretax return on assets | 1.2598% | 2,177 |
| Return on Equity (ROE) | 6.1910% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,527 |
| Net charge-offs to loans | -0.0273% | 7,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8521% | 5,151 |
| Assets per employee ($millions) | 4.2992% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 7,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 6,957 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.0886% | 4,518 |
| Net loans and leases to deposits | 88.0238% | 2,224 |
| Net loans and leases to core deposits | 115.0992% | 993 |
| Total domestic deposits to total assets | 71.6722% | 7,295 |
| Equity capital to assets | 13.3727% | 1,376 |
| Core capital (leverage) ratio | 12.7811% | 1,301 |
| Tier 1 risk-based capital ratio | 19.3521% | 1,646 |
| Total risk-based capital ratio | 19.9962% | 1,750 |
| Memoranda: | ||
| Average total assets | $160,021,500 | 3,845 |
| Average earning assets | $148,509,500 | 3,787 |
| Average equity | $21,063,000 | 3,061 |
| Average total loans | $102,627,500 | 3,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 3,791 |
| Cost of funding earning assets | 2.3001% | 1,654 |
| Net interest margin | 3.2637% | 5,878 |
| Noninterest income to average assets | 0.6628% | 3,202 |
| Noninterest expense to average assets | 2.6776% | 5,494 |
| Loan and lease loss provision to assets | 0.0283% | 7,237 |
| Net operating income to assets | 0.5352% | 3,590 |
| Return on assets (ROA) | 0.3890% | 4,272 |
| Pretax return on assets | 0.7704% | 3,344 |
| Return on Equity (ROE) | 2.8638% | 4,567 |
| Retained earnings to average equity (ytd only) | -6.8676% | 6,229 |
| Net charge-offs to loans | 0.0183% | 6,966 |
| Credit loss provision to net charge-offs | 236.8421% | 1,528 |
| Earnings coverage of net charge-offs (x) | 85.8947% | 318 |
| Efficiency ratio | 71.3048% | 4,386 |
| Assets per employee ($millions) | 4.3506% | 3,193 |
| Cash dividends to net income (ytd only)* | 339.8058% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 7,708 |
| Loan loss allowance to noncurrent loans | 330.5556% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,679 |
| Noncurrent loans to loans | 0.1379% | 7,083 |
| Net loans and leases to total assets | 64.5705% | 4,476 |
| Net loans and leases to deposits | 89.2749% | 2,343 |
| Net loans and leases to core deposits | 150.0173% | 505 |
| Total domestic deposits to total assets | 72.3277% | 7,216 |
| Equity capital to assets | 12.9550% | 1,526 |
| Core capital (leverage) ratio | 12.3867% | 1,494 |
| Tier 1 risk-based capital ratio | 17.8412% | 1,930 |
| Total risk-based capital ratio | 18.4338% | 2,063 |
| Memoranda: | ||
| Average total assets | $158,874,200 | 3,794 |
| Average earning assets | $148,082,200 | 3,745 |
| Average equity | $21,579,600 | 3,004 |
| Average total loans | $104,051,400 | 3,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 3,825 |
| Cost of funding earning assets | 2.3613% | 1,765 |
| Net interest margin | 3.2456% | 5,859 |
| Noninterest income to average assets | 0.6694% | 3,221 |
| Noninterest expense to average assets | 2.6742% | 5,439 |
| Loan and lease loss provision to assets | 0.0379% | 6,984 |
| Net operating income to assets | 0.4895% | 4,028 |
| Return on assets (ROA) | 0.3477% | 4,707 |
| Pretax return on assets | 0.7645% | 3,646 |
| Return on Equity (ROE) | 2.5304% | 4,974 |
| Retained earnings to average equity (ytd only) | -10.3363% | 6,839 |
| Net charge-offs to loans | 0.0205% | 6,615 |
| Credit loss provision to net charge-offs | 281.2500% | 1,497 |
| Earnings coverage of net charge-offs (x) | 76.0098% | 448 |
| Efficiency ratio | 71.3798% | 4,352 |
| Assets per employee ($millions) | 4.3324% | 3,148 |
| Cash dividends to net income (ytd only)* | 508.4773% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 7,738 |
| Loan loss allowance to noncurrent loans | 2,661.1111% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 6,962 |
| Noncurrent loans to loans | 0.0181% | 7,482 |
| Net loans and leases to total assets | 61.7390% | 5,285 |
| Net loans and leases to deposits | 84.8606% | 3,514 |
| Net loans and leases to core deposits | 142.4949% | 818 |
| Total domestic deposits to total assets | 72.7534% | 7,112 |
| Equity capital to assets | 12.9876% | 1,706 |
| Core capital (leverage) ratio | 12.1425% | 1,738 |
| Tier 1 risk-based capital ratio | 17.8237% | 2,041 |
| Total risk-based capital ratio | 18.2665% | 2,219 |
| Memoranda: | ||
| Average total assets | $158,349,500 | 3,819 |
| Average earning assets | $147,767,750 | 3,765 |
| Average equity | $21,761,000 | 3,003 |
| Average total loans | $103,960,000 | 3,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 3,548 |
| Cost of funding earning assets | 2.4295% | 1,849 |
| Net interest margin | 3.2683% | 5,671 |
| Noninterest income to average assets | 0.6772% | 3,135 |
| Noninterest expense to average assets | 2.7128% | 5,337 |
| Loan and lease loss provision to assets | 0.0571% | 6,649 |
| Net operating income to assets | 0.3910% | 4,548 |
| Return on assets (ROA) | 0.1776% | 5,431 |
| Pretax return on assets | 0.6227% | 4,256 |
| Return on Equity (ROE) | 1.2684% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.2684% | 4,637 |
| Net charge-offs to loans | 0.0683% | 5,553 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 22.1944% | 1,235 |
| Efficiency ratio | 71.9197% | 4,430 |
| Assets per employee ($millions) | 4.0611% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4528% | 7,838 |
| Loan loss allowance to noncurrent loans | 232.9949% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 6,862 |
| Noncurrent loans to loans | 0.1943% | 7,029 |
| Net loans and leases to total assets | 63.7120% | 5,041 |
| Net loans and leases to deposits | 88.6917% | 3,058 |
| Net loans and leases to core deposits | 145.0196% | 797 |
| Total domestic deposits to total assets | 71.8354% | 7,260 |
| Equity capital to assets | 14.0937% | 1,281 |
| Core capital (leverage) ratio | 13.3888% | 1,305 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,779 |
| Total risk-based capital ratio | 19.4238% | 1,913 |
| Memoranda: | ||
| Average total assets | $157,699,670 | 3,869 |
| Average earning assets | $147,110,330 | 3,793 |
| Average equity | $22,075,000 | 2,961 |
| Average total loans | $105,464,670 | 3,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 3,066 |
| Cost of funding earning assets | 2.4832% | 1,977 |
| Net interest margin | 3.3609% | 5,286 |
| Noninterest income to average assets | 0.4525% | 4,745 |
| Noninterest expense to average assets | 2.5445% | 5,668 |
| Loan and lease loss provision to assets | 0.0635% | 6,158 |
| Net operating income to assets | 0.2016% | 5,653 |
| Return on assets (ROA) | -0.2262% | 6,670 |
| Pretax return on assets | 0.3101% | 5,655 |
| Return on Equity (ROE) | -1.6218% | 6,623 |
| Retained earnings to average equity (ytd only) | -1.6218% | 6,024 |
| Net charge-offs to loans | 0.0967% | 4,209 |
| Credit loss provision to net charge-offs | 96.1538% | 3,870 |
| Earnings coverage of net charge-offs (x) | 15.7692% | 1,587 |
| Efficiency ratio | 70.0213% | 4,573 |
| Assets per employee ($millions) | 4.0649% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 7,918 |
| Loan loss allowance to noncurrent loans | 115.1282% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 6,690 |
| Noncurrent loans to loans | 0.3694% | 6,498 |
| Net loans and leases to total assets | 66.3117% | 4,512 |
| Net loans and leases to deposits | 92.4428% | 2,522 |
| Net loans and leases to core deposits | 157.2166% | 541 |
| Total domestic deposits to total assets | 71.7327% | 7,249 |
| Equity capital to assets | 13.8615% | 1,404 |
| Core capital (leverage) ratio | 13.1728% | 1,429 |
| Tier 1 risk-based capital ratio | 22.1941% | 1,278 |
| Total risk-based capital ratio | 22.6753% | 1,350 |
| Memoranda: | ||
| Average total assets | $157,358,000 | 3,875 |
| Average earning assets | $146,747,000 | 3,815 |
| Average equity | $21,951,500 | 2,981 |
| Average total loans | $107,513,000 | 3,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1521% | 4,767 |
| Cost of funding earning assets | 2.7095% | 3,118 |
| Net interest margin | 3.4425% | 5,496 |
| Noninterest income to average assets | 0.4786% | 4,812 |
| Noninterest expense to average assets | 2.6698% | 5,383 |
| Loan and lease loss provision to assets | 1.5449% | 870 |
| Net operating income to assets | -0.5682% | 6,979 |
| Return on assets (ROA) | -1.4276% | 7,383 |
| Pretax return on assets | -1.3824% | 7,204 |
| Return on Equity (ROE) | -9.2017% | 7,214 |
| Retained earnings to average equity (ytd only) | -9.2017% | 6,991 |
| Net charge-offs to loans | 0.0173% | 6,629 |
| Credit loss provision to net charge-offs | 12,733.3333% | 49 |
| Earnings coverage of net charge-offs (x) | 84.2222% | 499 |
| Efficiency ratio | 71.5538% | 4,020 |
| Assets per employee ($millions) | 4.2212% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 7,962 |
| Loan loss allowance to noncurrent loans | 145.6311% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 6,651 |
| Noncurrent loans to loans | 0.2823% | 6,525 |
| Net loans and leases to total assets | 69.7906% | 4,059 |
| Net loans and leases to deposits | 98.5453% | 2,043 |
| Net loans and leases to core deposits | 171.9042% | 372 |
| Total domestic deposits to total assets | 70.8208% | 7,186 |
| Equity capital to assets | 14.0399% | 1,412 |
| Core capital (leverage) ratio | 13.3638% | 1,427 |
| Tier 1 risk-based capital ratio | 21.9490% | 1,321 |
| Total risk-based capital ratio | 22.4260% | 1,405 |
| Memoranda: | ||
| Average total assets | $148,363,200 | 3,931 |
| Average earning assets | $138,474,000 | 3,879 |
| Average equity | $23,017,400 | 2,845 |
| Average total loans | $103,960,800 | 3,848 |