Home > Oswego Community Bank > Performance and Condition Ratios
Oswego Community Bank, 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 | 3.4492% | 5,835 |
| Cost of funding earning assets | 0.3008% | 5,962 |
| Net interest margin | 3.1484% | 5,100 |
| Noninterest income to average assets | 0.4578% | 4,068 |
| Noninterest expense to average assets | 2.5909% | 4,427 |
| Loan and lease loss provision to assets | 0.8890% | 223 |
| Net operating income to assets | 0.0313% | 6,294 |
| Return on assets (ROA) | 0.0431% | 6,354 |
| Pretax return on assets | -0.0595% | 6,450 |
| Return on Equity (ROE) | 0.6590% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.6590% | 5,564 |
| Net charge-offs to loans | 1.1117% | 539 |
| Credit loss provision to net charge-offs | 180.4167% | 1,181 |
| Earnings coverage of net charge-offs (x) | 1.6458% | 3,280 |
| Efficiency ratio | 70.7302% | 3,846 |
| Assets per employee ($millions) | 4.6161% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0788% | 268 |
| Loan loss allowance to noncurrent loans | 32.7245% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 6.9466% | 408 |
| Noncurrent loans to loans | 12.4641% | 125 |
| Net loans and leases to total assets | 41.2899% | 5,890 |
| Net loans and leases to deposits | 44.4560% | 6,165 |
| Net loans and leases to core deposits | 49.1560% | 6,026 |
| Total domestic deposits to total assets | 92.8780% | 134 |
| Equity capital to assets | 6.5505% | 6,784 |
| Core capital (leverage) ratio | 5.5197% | 6,842 |
| Tier 1 risk-based capital ratio | 11.0465% | 6,383 |
| Total risk-based capital ratio | 12.3260% | 6,347 |
| Memoranda: | ||
| Average total assets | $194,836,000 | 3,161 |
| Average earning assets | $182,185,500 | 3,114 |
| Average equity | $12,746,500 | 4,427 |
| Average total loans | $86,358,000 | 3,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 5,332 |
| Cost of funding earning assets | 0.4137% | 5,826 |
| Net interest margin | 3.5792% | 4,186 |
| Noninterest income to average assets | 0.3097% | 5,236 |
| Noninterest expense to average assets | 3.0178% | 3,208 |
| Loan and lease loss provision to assets | 0.9167% | 485 |
| Net operating income to assets | -0.0891% | 6,274 |
| Return on assets (ROA) | -0.0804% | 6,372 |
| Pretax return on assets | -0.2358% | 6,439 |
| Return on Equity (ROE) | -1.2766% | 6,405 |
| Retained earnings to average equity (ytd only) | -1.2766% | 6,057 |
| Net charge-offs to loans | 1.0327% | 1,042 |
| Credit loss provision to net charge-offs | 182.4056% | 1,441 |
| Earnings coverage of net charge-offs (x) | 1.3280% | 4,797 |
| Efficiency ratio | 76.7656% | 2,632 |
| Assets per employee ($millions) | 4.7755% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5985% | 393 |
| Loan loss allowance to noncurrent loans | 34.8109% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 5.4741% | 676 |
| Noncurrent loans to loans | 10.3372% | 217 |
| Net loans and leases to total assets | 43.9482% | 5,824 |
| Net loans and leases to deposits | 47.3348% | 6,153 |
| Net loans and leases to core deposits | 52.5564% | 5,974 |
| Total domestic deposits to total assets | 92.8455% | 149 |
| Equity capital to assets | 6.5339% | 6,841 |
| Core capital (leverage) ratio | 5.3347% | 6,910 |
| Tier 1 risk-based capital ratio | 10.4525% | 6,570 |
| Total risk-based capital ratio | 11.7266% | 6,535 |
| Memoranda: | ||
| Average total assets | $200,180,600 | 3,044 |
| Average earning assets | $188,786,000 | 2,978 |
| Average equity | $12,612,000 | 4,441 |
| Average total loans | $97,413,600 | 3,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 5,330 |
| Cost of funding earning assets | 0.4385% | 5,873 |
| Net interest margin | 3.6215% | 4,143 |
| Noninterest income to average assets | 0.3511% | 5,009 |
| Noninterest expense to average assets | 3.1001% | 2,889 |
| Loan and lease loss provision to assets | 1.1162% | 342 |
| Net operating income to assets | -0.1903% | 6,492 |
| Return on assets (ROA) | -0.1789% | 6,555 |
| Pretax return on assets | -0.4339% | 6,676 |
| Return on Equity (ROE) | -2.8646% | 6,617 |
| Retained earnings to average equity (ytd only) | -2.8646% | 6,471 |
| Net charge-offs to loans | 1.0591% | 993 |
| Credit loss provision to net charge-offs | 213.2911% | 1,302 |
| Earnings coverage of net charge-offs (x) | 1.2696% | 4,651 |
| Efficiency ratio | 77.3007% | 2,481 |
| Assets per employee ($millions) | 5.5291% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4141% | 501 |
| Loan loss allowance to noncurrent loans | 34.0359% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 5.7158% | 730 |
| Noncurrent loans to loans | 10.0308% | 246 |
| Net loans and leases to total assets | 46.5902% | 5,700 |
| Net loans and leases to deposits | 50.0380% | 6,102 |
| Net loans and leases to core deposits | 55.4346% | 5,931 |
| Total domestic deposits to total assets | 93.1096% | 103 |
| Equity capital to assets | 6.3201% | 6,966 |
| Core capital (leverage) ratio | 5.2263% | 7,004 |
| Tier 1 risk-based capital ratio | 9.7875% | 6,848 |
| Total risk-based capital ratio | 11.0602% | 6,823 |
| Memoranda: | ||
| Average total assets | $201,277,250 | 3,058 |
| Average earning assets | $189,713,500 | 2,994 |
| Average equity | $12,566,750 | 4,487 |
| Average total loans | $99,452,000 | 3,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 5,586 |
| Cost of funding earning assets | 0.4568% | 5,926 |
| Net interest margin | 3.5645% | 4,401 |
| Noninterest income to average assets | 0.4722% | 4,118 |
| Noninterest expense to average assets | 3.1254% | 2,829 |
| Loan and lease loss provision to assets | 1.5345% | 228 |
| Net operating income to assets | -0.4152% | 6,693 |
| Return on assets (ROA) | -0.4000% | 6,732 |
| Pretax return on assets | -0.8039% | 6,851 |
| Return on Equity (ROE) | -6.4319% | 6,812 |
| Retained earnings to average equity (ytd only) | -6.4319% | 6,690 |
| Net charge-offs to loans | 1.4275% | 708 |
| Credit loss provision to net charge-offs | 215.8774% | 1,309 |
| Earnings coverage of net charge-offs (x) | 0.9944% | 4,532 |
| Efficiency ratio | 76.5694% | 2,659 |
| Assets per employee ($millions) | 5.4283% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2165% | 633 |
| Loan loss allowance to noncurrent loans | 36.9213% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 5.3130% | 865 |
| Noncurrent loans to loans | 8.7119% | 370 |
| Net loans and leases to total assets | 48.1496% | 5,598 |
| Net loans and leases to deposits | 52.4592% | 5,996 |
| Net loans and leases to core deposits | 58.4244% | 5,743 |
| Total domestic deposits to total assets | 91.7848% | 263 |
| Equity capital to assets | 6.2032% | 7,013 |
| Core capital (leverage) ratio | 4.9645% | 7,072 |
| Tier 1 risk-based capital ratio | 9.4434% | 6,933 |
| Total risk-based capital ratio | 10.7194% | 6,920 |
| Memoranda: | ||
| Average total assets | $202,021,000 | 3,061 |
| Average earning assets | $190,435,000 | 2,990 |
| Average equity | $12,562,330 | 4,485 |
| Average total loans | $100,598,000 | 3,553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 6,240 |
| Cost of funding earning assets | 0.4440% | 6,184 |
| Net interest margin | 3.3574% | 5,273 |
| Noninterest income to average assets | 0.5923% | 3,285 |
| Noninterest expense to average assets | 3.0838% | 2,974 |
| Loan and lease loss provision to assets | 0.5923% | 972 |
| Net operating income to assets | 0.1362% | 6,155 |
| Return on assets (ROA) | 0.1856% | 6,170 |
| Pretax return on assets | 0.1303% | 6,334 |
| Return on Equity (ROE) | 2.9808% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.9808% | 4,765 |
| Net charge-offs to loans | 1.3989% | 715 |
| Credit loss provision to net charge-offs | 84.9858% | 2,639 |
| Earnings coverage of net charge-offs (x) | 0.9660% | 3,847 |
| Efficiency ratio | 76.9837% | 2,652 |
| Assets per employee ($millions) | 6.0213% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 1,820 |
| Loan loss allowance to noncurrent loans | 31.6090% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 4.2844% | 1,269 |
| Noncurrent loans to loans | 7.0656% | 625 |
| Net loans and leases to total assets | 47.0140% | 5,683 |
| Net loans and leases to deposits | 51.8805% | 5,979 |
| Net loans and leases to core deposits | 57.6760% | 5,741 |
| Total domestic deposits to total assets | 90.6198% | 737 |
| Equity capital to assets | 5.8663% | 7,085 |
| Core capital (leverage) ratio | 5.5962% | 7,076 |
| Tier 1 risk-based capital ratio | 9.4468% | 6,972 |
| Total risk-based capital ratio | 10.7069% | 6,966 |
| Memoranda: | ||
| Average total assets | $202,608,000 | 3,075 |
| Average earning assets | $190,979,500 | 3,010 |
| Average equity | $12,614,000 | 4,481 |
| Average total loans | $100,936,500 | 3,572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 6,920 |
| Cost of funding earning assets | 0.5398% | 6,386 |
| Net interest margin | 3.0739% | 6,397 |
| Noninterest income to average assets | 0.7532% | 2,324 |
| Noninterest expense to average assets | 2.8520% | 4,162 |
| Loan and lease loss provision to assets | 1.1653% | 767 |
| Net operating income to assets | 0.1452% | 5,750 |
| Return on assets (ROA) | 0.1578% | 5,851 |
| Pretax return on assets | -0.3459% | 6,380 |
| Return on Equity (ROE) | 2.4885% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.4885% | 4,456 |
| Net charge-offs to loans | 2.2148% | 578 |
| Credit loss provision to net charge-offs | 125.1819% | 2,498 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 5,153 |
| Efficiency ratio | 72.2397% | 3,519 |
| Assets per employee ($millions) | 5.2348% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 1,396 |
| Loan loss allowance to noncurrent loans | 42.0699% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 3.5224% | 1,681 |
| Noncurrent loans to loans | 5.7991% | 882 |
| Net loans and leases to total assets | 50.5452% | 5,523 |
| Net loans and leases to deposits | 54.5887% | 6,015 |
| Net loans and leases to core deposits | 61.4361% | 5,712 |
| Total domestic deposits to total assets | 92.5928% | 169 |
| Equity capital to assets | 6.6394% | 7,030 |
| Core capital (leverage) ratio | 5.4337% | 7,103 |
| Tier 1 risk-based capital ratio | 10.2864% | 6,775 |
| Total risk-based capital ratio | 11.5559% | 6,743 |
| Memoranda: | ||
| Average total assets | $191,968,600 | 3,158 |
| Average earning assets | $181,006,800 | 3,076 |
| Average equity | $12,175,800 | 4,510 |
| Average total loans | $80,686,200 | 4,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 7,091 |
| Cost of funding earning assets | 0.5354% | 6,562 |
| Net interest margin | 2.9493% | 6,670 |
| Noninterest income to average assets | 0.7280% | 2,430 |
| Noninterest expense to average assets | 2.8312% | 4,230 |
| Loan and lease loss provision to assets | 0.8697% | 1,046 |
| Net operating income to assets | 0.0572% | 6,057 |
| Return on assets (ROA) | 0.0740% | 6,137 |
| Pretax return on assets | -0.1625% | 6,381 |
| Return on Equity (ROE) | 1.1798% | 6,030 |
| Retained earnings to average equity (ytd only) | 1.1798% | 5,539 |
| Net charge-offs to loans | 3.0573% | 306 |
| Credit loss provision to net charge-offs | 71.7627% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 5,206 |
| Efficiency ratio | 74.4882% | 3,086 |
| Assets per employee ($millions) | 5.3486% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,428 |
| Loan loss allowance to noncurrent loans | 38.2384% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 2.0173% | 3,122 |
| Noncurrent loans to loans | 4.3278% | 1,511 |
| Net loans and leases to total assets | 42.0163% | 6,503 |
| Net loans and leases to deposits | 45.2808% | 6,775 |
| Net loans and leases to core deposits | 51.7141% | 6,581 |
| Total domestic deposits to total assets | 92.7905% | 146 |
| Equity capital to assets | 6.1133% | 7,175 |
| Core capital (leverage) ratio | 5.2652% | 7,209 |
| Tier 1 risk-based capital ratio | 11.0523% | 6,511 |
| Total risk-based capital ratio | 12.3061% | 6,495 |
| Memoranda: | ||
| Average total assets | $192,848,000 | 3,163 |
| Average earning assets | $182,048,750 | 3,078 |
| Average equity | $12,091,750 | 4,540 |
| Average total loans | $76,449,000 | 4,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 7,200 |
| Cost of funding earning assets | 0.5492% | 6,667 |
| Net interest margin | 2.8780% | 6,832 |
| Noninterest income to average assets | 0.6548% | 2,800 |
| Noninterest expense to average assets | 2.6961% | 4,842 |
| Loan and lease loss provision to assets | 0.6083% | 1,577 |
| Net operating income to assets | 0.2830% | 5,436 |
| Return on assets (ROA) | 0.2894% | 5,553 |
| Pretax return on assets | 0.0739% | 6,141 |
| Return on Equity (ROE) | 4.5740% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.5740% | 3,278 |
| Net charge-offs to loans | 4.3350% | 171 |
| Credit loss provision to net charge-offs | 36.4096% | 4,879 |
| Earnings coverage of net charge-offs (x) | 0.4046% | 5,002 |
| Efficiency ratio | 73.3793% | 3,489 |
| Assets per employee ($millions) | 4.8625% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,595 |
| Loan loss allowance to noncurrent loans | 21.4600% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2754% | 2,886 |
| Noncurrent loans to loans | 5.5372% | 1,138 |
| Net loans and leases to total assets | 40.6044% | 6,695 |
| Net loans and leases to deposits | 43.9185% | 6,923 |
| Net loans and leases to core deposits | 49.2167% | 6,800 |
| Total domestic deposits to total assets | 92.4540% | 167 |
| Equity capital to assets | 6.4439% | 7,195 |
| Core capital (leverage) ratio | 5.3970% | 7,265 |
| Tier 1 risk-based capital ratio | 12.4028% | 5,437 |
| Total risk-based capital ratio | 13.5125% | 5,544 |
| Memoranda: | ||
| Average total assets | $189,382,330 | 3,233 |
| Average earning assets | $178,803,330 | 3,151 |
| Average equity | $11,980,670 | 4,564 |
| Average total loans | $72,987,670 | 4,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 7,239 |
| Cost of funding earning assets | 0.5799% | 6,689 |
| Net interest margin | 2.8659% | 6,806 |
| Noninterest income to average assets | 0.5664% | 3,394 |
| Noninterest expense to average assets | 2.6039% | 5,205 |
| Loan and lease loss provision to assets | 0.8644% | 944 |
| Net operating income to assets | 0.0791% | 6,146 |
| Return on assets (ROA) | 0.0845% | 6,189 |
| Pretax return on assets | -0.1881% | 6,530 |
| Return on Equity (ROE) | 1.3490% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.3490% | 5,288 |
| Net charge-offs to loans | 6.8465% | 83 |
| Credit loss provision to net charge-offs | 33.8857% | 4,054 |
| Earnings coverage of net charge-offs (x) | 0.2618% | 4,413 |
| Efficiency ratio | 72.7390% | 3,726 |
| Assets per employee ($millions) | 4.7784% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 3,494 |
| Loan loss allowance to noncurrent loans | 25.3862% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 2.3371% | 2,909 |
| Noncurrent loans to loans | 6.5323% | 903 |
| Net loans and leases to total assets | 35.1838% | 7,042 |
| Net loans and leases to deposits | 37.9867% | 7,166 |
| Net loans and leases to core deposits | 47.3728% | 6,906 |
| Total domestic deposits to total assets | 92.6215% | 169 |
| Equity capital to assets | 6.2490% | 7,256 |
| Core capital (leverage) ratio | 5.3168% | 7,326 |
| Tier 1 risk-based capital ratio | 13.5656% | 4,385 |
| Total risk-based capital ratio | 14.8184% | 4,343 |
| Memoranda: | ||
| Average total assets | $189,255,000 | 3,255 |
| Average earning assets | $178,651,500 | 3,173 |
| Average equity | $11,861,000 | 4,585 |
| Average total loans | $70,518,000 | 4,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 6,284 |
| Cost of funding earning assets | 0.7617% | 6,701 |
| Net interest margin | 3.7792% | 4,033 |
| Noninterest income to average assets | 0.5511% | 3,818 |
| Noninterest expense to average assets | 9.4249% | 87 |
| Loan and lease loss provision to assets | 0.7637% | 2,146 |
| Net operating income to assets | -6.3002% | 7,588 |
| Return on assets (ROA) | -6.2432% | 7,589 |
| Pretax return on assets | -6.2855% | 7,594 |
| Return on Equity (ROE) | -49.7393% | 7,420 |
| Retained earnings to average equity (ytd only) | -65.9543% | 7,504 |
| Net charge-offs to loans | 0.5913% | 3,255 |
| Credit loss provision to net charge-offs | 349.0698% | 738 |
| Earnings coverage of net charge-offs (x) | -25.5000% | 6,827 |
| Efficiency ratio | 61.8153% | 5,759 |
| Assets per employee ($millions) | 4.8045% | 2,412 |
| Cash dividends to net income (ytd only)* | -32.5998% | 7,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6592% | 1,218 |
| Loan loss allowance to noncurrent loans | 84.1097% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 4,566 |
| Noncurrent loans to loans | 3.1616% | 2,409 |
| Net loans and leases to total assets | 37.7432% | 7,083 |
| Net loans and leases to deposits | 40.7821% | 7,228 |
| Net loans and leases to core deposits | 51.0146% | 6,942 |
| Total domestic deposits to total assets | 92.5486% | 183 |
| Equity capital to assets | 6.2858% | 7,295 |
| Core capital (leverage) ratio | 5.2007% | 7,397 |
| Tier 1 risk-based capital ratio | 12.8695% | 4,711 |
| Total risk-based capital ratio | 14.1355% | 4,666 |
| Memoranda: | ||
| Average total assets | $196,532,600 | 3,142 |
| Average earning assets | $171,334,400 | 3,260 |
| Average equity | $24,668,600 | 2,583 |
| Average total loans | $72,716,800 | 4,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 5,933 |
| Cost of funding earning assets | 0.7852% | 6,811 |
| Net interest margin | 3.9392% | 3,363 |
| Noninterest income to average assets | 0.5056% | 4,137 |
| Noninterest expense to average assets | 2.6261% | 5,213 |
| Loan and lease loss provision to assets | 0.4198% | 3,388 |
| Net operating income to assets | 0.7616% | 3,173 |
| Return on assets (ROA) | 0.8289% | 3,025 |
| Pretax return on assets | 0.9006% | 3,553 |
| Return on Equity (ROE) | 5.9085% | 3,860 |
| Retained earnings to average equity (ytd only) | -13.2129% | 7,013 |
| Net charge-offs to loans | 0.4198% | 3,611 |
| Credit loss provision to net charge-offs | 273.3624% | 1,199 |
| Earnings coverage of net charge-offs (x) | 8.1222% | 2,210 |
| Efficiency ratio | 62.5519% | 5,513 |
| Assets per employee ($millions) | 5.1162% | 2,038 |
| Cash dividends to net income (ytd only)* | 323.6244% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,190 |
| Loan loss allowance to noncurrent loans | 84.0909% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 5,069 |
| Noncurrent loans to loans | 2.0061% | 3,666 |
| Net loans and leases to total assets | 35.8253% | 7,272 |
| Net loans and leases to deposits | 41.5776% | 7,319 |
| Net loans and leases to core deposits | 51.1501% | 7,079 |
| Total domestic deposits to total assets | 86.1649% | 2,998 |
| Equity capital to assets | 12.5192% | 1,847 |
| Core capital (leverage) ratio | 5.3100% | 7,519 |
| Tier 1 risk-based capital ratio | 12.4247% | 5,059 |
| Total risk-based capital ratio | 13.6819% | 5,018 |
| Memoranda: | ||
| Average total assets | $198,822,250 | 3,155 |
| Average earning assets | $169,977,500 | 3,323 |
| Average equity | $27,891,250 | 2,346 |
| Average total loans | $72,732,750 | 4,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 5,235 |
| Cost of funding earning assets | 0.8120% | 6,871 |
| Net interest margin | 4.1261% | 2,447 |
| Noninterest income to average assets | 0.4581% | 4,454 |
| Noninterest expense to average assets | 2.6087% | 5,286 |
| Loan and lease loss provision to assets | 0.4124% | 3,256 |
| Net operating income to assets | 0.8533% | 2,717 |
| Return on assets (ROA) | 0.8645% | 2,814 |
| Pretax return on assets | 0.9437% | 3,332 |
| Return on Equity (ROE) | 5.9410% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,360 |
| Net charge-offs to loans | 0.3827% | 3,446 |
| Credit loss provision to net charge-offs | 294.2029% | 1,262 |
| Earnings coverage of net charge-offs (x) | 9.5870% | 2,002 |
| Efficiency ratio | 60.7556% | 5,904 |
| Assets per employee ($millions) | 5.0930% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,650 |
| Loan loss allowance to noncurrent loans | 63.6415% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,383 |
| Noncurrent loans to loans | 2.4419% | 3,203 |
| Net loans and leases to total assets | 35.1074% | 7,383 |
| Net loans and leases to deposits | 41.6250% | 7,404 |
| Net loans and leases to core deposits | 50.4177% | 7,194 |
| Total domestic deposits to total assets | 84.3421% | 3,936 |
| Equity capital to assets | 14.2820% | 1,073 |
| Core capital (leverage) ratio | 7.4264% | 6,897 |
| Tier 1 risk-based capital ratio | 15.5163% | 2,887 |
| Total risk-based capital ratio | 16.7798% | 2,846 |
| Memoranda: | ||
| Average total assets | $196,881,000 | 3,204 |
| Average earning assets | $166,744,670 | 3,395 |
| Average equity | $28,648,330 | 2,292 |
| Average total loans | $72,119,330 | 4,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 5,404 |
| Cost of funding earning assets | 0.8305% | 6,997 |
| Net interest margin | 4.0807% | 2,524 |
| Noninterest income to average assets | 0.4631% | 4,354 |
| Noninterest expense to average assets | 2.7106% | 4,852 |
| Loan and lease loss provision to assets | 0.3267% | 3,447 |
| Net operating income to assets | 0.8436% | 2,779 |
| Return on assets (ROA) | 0.8436% | 2,872 |
| Pretax return on assets | 0.9511% | 3,264 |
| Return on Equity (ROE) | 5.7414% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.7414% | 2,745 |
| Net charge-offs to loans | 0.2338% | 3,531 |
| Credit loss provision to net charge-offs | 376.1905% | 1,069 |
| Earnings coverage of net charge-offs (x) | 14.7143% | 1,415 |
| Efficiency ratio | 62.6231% | 5,723 |
| Assets per employee ($millions) | 4.5973% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,625 |
| Loan loss allowance to noncurrent loans | 48.8500% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 5,024 |
| Noncurrent loans to loans | 2.7847% | 2,873 |
| Net loans and leases to total assets | 37.5853% | 7,362 |
| Net loans and leases to deposits | 46.6073% | 7,301 |
| Net loans and leases to core deposits | 51.2782% | 7,234 |
| Total domestic deposits to total assets | 80.6426% | 5,574 |
| Equity capital to assets | 15.2320% | 830 |
| Core capital (leverage) ratio | 7.4799% | 6,874 |
| Tier 1 risk-based capital ratio | 14.9994% | 3,118 |
| Total risk-based capital ratio | 16.2105% | 3,089 |
| Memoranda: | ||
| Average total assets | $193,462,500 | 3,315 |
| Average earning assets | $167,130,000 | 3,443 |
| Average equity | $28,425,000 | 2,335 |
| Average total loans | $71,854,500 | 4,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 6,306 |
| Cost of funding earning assets | 1.3558% | 6,115 |
| Net interest margin | 3.6838% | 4,203 |
| Noninterest income to average assets | 0.4403% | 4,878 |
| Noninterest expense to average assets | 2.6624% | 5,543 |
| Loan and lease loss provision to assets | 0.2362% | 5,481 |
| Net operating income to assets | 0.6689% | 3,065 |
| Return on assets (ROA) | 0.6727% | 3,100 |
| Pretax return on assets | 0.6493% | 3,742 |
| Return on Equity (ROE) | 4.5609% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.5609% | 2,062 |
| Net charge-offs to loans | 0.1157% | 6,009 |
| Credit loss provision to net charge-offs | 529.2683% | 572 |
| Earnings coverage of net charge-offs (x) | 19.7561% | 1,067 |
| Efficiency ratio | 68.4889% | 4,923 |
| Assets per employee ($millions) | 4.7246% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,377 |
| Loan loss allowance to noncurrent loans | 49.3127% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 5,346 |
| Noncurrent loans to loans | 2.4288% | 3,123 |
| Net loans and leases to total assets | 35.7933% | 7,530 |
| Net loans and leases to deposits | 47.4300% | 7,375 |
| Net loans and leases to core deposits | 63.1977% | 7,138 |
| Total domestic deposits to total assets | 75.4654% | 6,783 |
| Equity capital to assets | 14.1805% | 1,114 |
| Core capital (leverage) ratio | 7.3385% | 6,948 |
| Tier 1 risk-based capital ratio | 13.9496% | 3,533 |
| Total risk-based capital ratio | 14.9061% | 3,653 |
| Memoranda: | ||
| Average total assets | $183,742,200 | 3,373 |
| Average earning assets | $154,814,200 | 3,617 |
| Average equity | $27,099,800 | 2,440 |
| Average total loans | $70,879,600 | 4,840 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 5,808 |
| Cost of funding earning assets | 1.4924% | 5,853 |
| Net interest margin | 3.7251% | 3,969 |
| Noninterest income to average assets | 0.4531% | 4,878 |
| Noninterest expense to average assets | 2.7233% | 5,230 |
| Loan and lease loss provision to assets | 0.2599% | 4,876 |
| Net operating income to assets | 0.6649% | 3,337 |
| Return on assets (ROA) | 0.6679% | 3,384 |
| Pretax return on assets | 0.5835% | 4,240 |
| Return on Equity (ROE) | 4.4808% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.4808% | 2,769 |
| Net charge-offs to loans | 0.1095% | 5,584 |
| Credit loss provision to net charge-offs | 605.1724% | 631 |
| Earnings coverage of net charge-offs (x) | 19.5694% | 1,282 |
| Efficiency ratio | 69.6239% | 4,670 |
| Assets per employee ($millions) | 4.4437% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,536 |
| Loan loss allowance to noncurrent loans | 46.5969% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 5,229 |
| Noncurrent loans to loans | 2.4260% | 3,105 |
| Net loans and leases to total assets | 37.5366% | 7,568 |
| Net loans and leases to deposits | 44.9359% | 7,598 |
| Net loans and leases to core deposits | 48.1217% | 7,724 |
| Total domestic deposits to total assets | 83.5335% | 3,940 |
| Equity capital to assets | 14.9807% | 1,007 |
| Core capital (leverage) ratio | 6.9757% | 7,451 |
| Tier 1 risk-based capital ratio | 13.4931% | 3,852 |
| Total risk-based capital ratio | 14.3828% | 4,032 |
| Memoranda: | ||
| Average total assets | $180,069,250 | 3,467 |
| Average earning assets | $150,362,250 | 3,722 |
| Average equity | $26,840,000 | 2,484 |
| Average total loans | $70,627,750 | 4,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 5,685 |
| Cost of funding earning assets | 1.6187% | 5,672 |
| Net interest margin | 3.6737% | 4,072 |
| Noninterest income to average assets | 0.4351% | 4,982 |
| Noninterest expense to average assets | 2.7254% | 5,272 |
| Loan and lease loss provision to assets | 0.3069% | 4,113 |
| Net operating income to assets | 0.5734% | 3,797 |
| Return on assets (ROA) | 0.5779% | 3,883 |
| Pretax return on assets | 0.4362% | 4,837 |
| Return on Equity (ROE) | 3.8841% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.8841% | 3,125 |
| Net charge-offs to loans | 0.1701% | 4,529 |
| Credit loss provision to net charge-offs | 455.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 10.9500% | 1,950 |
| Efficiency ratio | 71.5352% | 4,501 |
| Assets per employee ($millions) | 4.3362% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 6,099 |
| Loan loss allowance to noncurrent loans | 52.2810% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 5,558 |
| Noncurrent loans to loans | 1.9442% | 3,607 |
| Net loans and leases to total assets | 37.7088% | 7,648 |
| Net loans and leases to deposits | 44.7741% | 7,679 |
| Net loans and leases to core deposits | 47.8889% | 7,799 |
| Total domestic deposits to total assets | 84.2200% | 3,634 |
| Equity capital to assets | 14.5202% | 1,159 |
| Core capital (leverage) ratio | 7.0441% | 7,504 |
| Tier 1 risk-based capital ratio | 13.0276% | 4,128 |
| Total risk-based capital ratio | 13.8466% | 4,367 |
| Memoranda: | ||
| Average total assets | $177,881,000 | 3,514 |
| Average earning assets | $146,663,670 | 3,803 |
| Average equity | $26,467,000 | 2,521 |
| Average total loans | $70,551,330 | 4,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 6,005 |
| Cost of funding earning assets | 1.7537% | 5,342 |
| Net interest margin | 3.5212% | 4,646 |
| Noninterest income to average assets | 0.4424% | 4,852 |
| Noninterest expense to average assets | 2.9863% | 3,829 |
| Loan and lease loss provision to assets | 0.1244% | 5,366 |
| Net operating income to assets | 0.5300% | 4,297 |
| Return on assets (ROA) | 0.5392% | 4,446 |
| Pretax return on assets | 0.2926% | 5,697 |
| Return on Equity (ROE) | 3.5775% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.5775% | 3,904 |
| Net charge-offs to loans | 0.1138% | 4,057 |
| Credit loss provision to net charge-offs | 270.0000% | 1,762 |
| Earnings coverage of net charge-offs (x) | 8.8500% | 2,138 |
| Efficiency ratio | 80.4481% | 2,754 |
| Assets per employee ($millions) | 4.0282% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 7,254 |
| Loan loss allowance to noncurrent loans | 220.3252% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 7,150 |
| Noncurrent loans to loans | 0.3489% | 6,558 |
| Net loans and leases to total assets | 40.3911% | 7,545 |
| Net loans and leases to deposits | 51.8929% | 7,407 |
| Net loans and leases to core deposits | 63.9580% | 7,319 |
| Total domestic deposits to total assets | 77.8355% | 6,068 |
| Equity capital to assets | 15.1200% | 1,069 |
| Core capital (leverage) ratio | 6.5932% | 7,841 |
| Tier 1 risk-based capital ratio | 12.3646% | 4,648 |
| Total risk-based capital ratio | 12.9945% | 5,099 |
| Memoranda: | ||
| Average total assets | $173,592,500 | 3,595 |
| Average earning assets | $145,517,500 | 3,838 |
| Average equity | $26,163,500 | 2,556 |
| Average total loans | $70,310,500 | 4,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7235% | 6,700 |
| Cost of funding earning assets | 1.9572% | 6,546 |
| Net interest margin | 3.7664% | 4,152 |
| Noninterest income to average assets | 0.2993% | 6,319 |
| Noninterest expense to average assets | 3.1507% | 3,509 |
| Loan and lease loss provision to assets | 0.0952% | 6,169 |
| Net operating income to assets | 0.4963% | 4,749 |
| Return on assets (ROA) | 0.5082% | 4,541 |
| Pretax return on assets | 0.1982% | 5,737 |
| Return on Equity (ROE) | 2.8346% | 5,293 |
| Retained earnings to average equity (ytd only) | -20.2649% | 7,685 |
| Net charge-offs to loans | 0.1105% | 5,169 |
| Credit loss provision to net charge-offs | 263.9344% | 1,755 |
| Earnings coverage of net charge-offs (x) | 7.8033% | 3,020 |
| Efficiency ratio | 83.7987% | 2,079 |
| Assets per employee ($millions) | 4.0458% | 3,422 |
| Cash dividends to net income (ytd only)* | 814.9010% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 7,361 |
| Loan loss allowance to noncurrent loans | 1,156.8182% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 7,496 |
| Noncurrent loans to loans | 0.0628% | 7,251 |
| Net loans and leases to total assets | 40.0107% | 7,671 |
| Net loans and leases to deposits | 53.7776% | 7,450 |
| Net loans and leases to core deposits | 55.0967% | 7,764 |
| Total domestic deposits to total assets | 74.4003% | 6,581 |
| Equity capital to assets | 15.0238% | 1,155 |
| Core capital (leverage) ratio | 6.4529% | 7,950 |
| Tier 1 risk-based capital ratio | 11.5955% | 5,160 |
| Total risk-based capital ratio | 12.1450% | 5,734 |
| Memoranda: | ||
| Average total assets | $169,043,600 | 3,567 |
| Average earning assets | $140,612,400 | 3,834 |
| Average equity | $30,303,600 | 2,236 |
| Average total loans | $55,199,600 | 5,485 |