Home > PATRIOTS BANK > Performance and Condition Ratios
PATRIOTS 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 | 3.4947% | 5,716 |
| Cost of funding earning assets | 0.2704% | 6,156 |
| Net interest margin | 3.2243% | 4,830 |
| Noninterest income to average assets | 0.4846% | 3,885 |
| Noninterest expense to average assets | 3.5663% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2469% | 6,541 |
| Return on assets (ROA) | -0.2469% | 6,575 |
| Pretax return on assets | -0.2469% | 6,567 |
| Return on Equity (ROE) | -2.8943% | 6,608 |
| Retained earnings to average equity (ytd only) | -2.8943% | 6,180 |
| Net charge-offs to loans | 0.3186% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.4595% | 3,995 |
| Efficiency ratio | 104.8209% | 423 |
| Assets per employee ($millions) | 2.6678% | 6,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,340 |
| Loan loss allowance to noncurrent loans | 480.1527% | 885 |
| Noncurrent assets plus other real estate owned to assets | 8.2111% | 299 |
| Noncurrent loans to loans | 0.2871% | 5,688 |
| Net loans and leases to total assets | 51.1160% | 4,824 |
| Net loans and leases to deposits | 55.9594% | 5,246 |
| Net loans and leases to core deposits | 57.2348% | 5,414 |
| Total domestic deposits to total assets | 91.3447% | 400 |
| Equity capital to assets | 8.4360% | 6,072 |
| Core capital (leverage) ratio | 7.9060% | 6,211 |
| Tier 1 risk-based capital ratio | 12.0298% | 5,899 |
| Total risk-based capital ratio | 13.1427% | 5,943 |
| Memoranda: | ||
| Average total assets | $87,486,500 | 5,162 |
| Average earning assets | $76,917,000 | 5,237 |
| Average equity | $7,463,000 | 5,630 |
| Average total loans | $46,455,000 | 5,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 4,770 |
| Cost of funding earning assets | 0.4001% | 5,922 |
| Net interest margin | 3.7501% | 3,434 |
| Noninterest income to average assets | -0.2933% | 6,994 |
| Noninterest expense to average assets | 3.8306% | 1,204 |
| Loan and lease loss provision to assets | 0.1386% | 3,876 |
| Net operating income to assets | -1.0371% | 6,754 |
| Return on assets (ROA) | -1.0371% | 6,774 |
| Pretax return on assets | -1.0371% | 6,745 |
| Return on Equity (ROE) | -11.2073% | 6,753 |
| Retained earnings to average equity (ytd only) | -11.2073% | 6,679 |
| Net charge-offs to loans | 0.5121% | 2,197 |
| Credit loss provision to net charge-offs | 45.2830% | 4,807 |
| Earnings coverage of net charge-offs (x) | -2.9358% | 5,870 |
| Efficiency ratio | 127.6881% | 166 |
| Assets per employee ($millions) | 2.5569% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 4,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.4091% | 404 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 53.6188% | 4,671 |
| Net loans and leases to deposits | 58.8667% | 5,144 |
| Net loans and leases to core deposits | 60.6064% | 5,310 |
| Total domestic deposits to total assets | 91.0852% | 469 |
| Equity capital to assets | 8.6261% | 5,935 |
| Core capital (leverage) ratio | 7.9265% | 6,260 |
| Tier 1 risk-based capital ratio | 12.2031% | 5,658 |
| Total risk-based capital ratio | 13.3925% | 5,654 |
| Memoranda: | ||
| Average total assets | $86,591,200 | 5,174 |
| Average earning assets | $74,477,400 | 5,297 |
| Average equity | $8,012,600 | 5,501 |
| Average total loans | $51,747,000 | 5,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 4,590 |
| Cost of funding earning assets | 0.4214% | 5,975 |
| Net interest margin | 3.8447% | 3,141 |
| Noninterest income to average assets | 0.3329% | 5,142 |
| Noninterest expense to average assets | 3.8825% | 1,083 |
| Loan and lease loss provision to assets | 0.1387% | 3,808 |
| Net operating income to assets | -0.3977% | 6,645 |
| Return on assets (ROA) | -0.3977% | 6,690 |
| Pretax return on assets | -0.3977% | 6,656 |
| Return on Equity (ROE) | -4.2254% | 6,690 |
| Retained earnings to average equity (ytd only) | -4.2254% | 6,569 |
| Net charge-offs to loans | 0.6785% | 1,629 |
| Credit loss provision to net charge-offs | 33.4572% | 4,735 |
| Earnings coverage of net charge-offs (x) | -0.6245% | 5,522 |
| Efficiency ratio | 104.7639% | 406 |
| Assets per employee ($millions) | 2.5235% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 5,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.8777% | 310 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.8492% | 4,162 |
| Net loans and leases to deposits | 64.2362% | 4,684 |
| Net loans and leases to core deposits | 66.1795% | 4,935 |
| Total domestic deposits to total assets | 90.0570% | 819 |
| Equity capital to assets | 9.5024% | 5,203 |
| Core capital (leverage) ratio | 8.8267% | 5,302 |
| Tier 1 risk-based capital ratio | 12.5199% | 5,625 |
| Total risk-based capital ratio | 13.5813% | 5,721 |
| Memoranda: | ||
| Average total assets | $86,505,500 | 5,222 |
| Average earning assets | $74,038,750 | 5,366 |
| Average equity | $8,141,000 | 5,513 |
| Average total loans | $52,864,000 | 5,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 4,476 |
| Cost of funding earning assets | 0.4532% | 5,952 |
| Net interest margin | 3.8707% | 3,039 |
| Noninterest income to average assets | -0.7309% | 7,206 |
| Noninterest expense to average assets | 3.9612% | 997 |
| Loan and lease loss provision to assets | 0.1383% | 3,794 |
| Net operating income to assets | -1.5218% | 7,023 |
| Return on assets (ROA) | -1.5218% | 7,034 |
| Pretax return on assets | -1.5218% | 7,008 |
| Return on Equity (ROE) | -16.2222% | 6,995 |
| Retained earnings to average equity (ytd only) | -16.2222% | 6,963 |
| Net charge-offs to loans | 0.5360% | 1,988 |
| Credit loss provision to net charge-offs | 41.6667% | 4,227 |
| Earnings coverage of net charge-offs (x) | -4.1667% | 5,437 |
| Efficiency ratio | 150.3578% | 100 |
| Assets per employee ($millions) | 2.3578% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,440 |
| Loan loss allowance to noncurrent loans | 323.1111% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 9.1781% | 322 |
| Noncurrent loans to loans | 0.4353% | 5,663 |
| Net loans and leases to total assets | 58.4159% | 4,101 |
| Net loans and leases to deposits | 64.4159% | 4,708 |
| Net loans and leases to core deposits | 66.3145% | 4,963 |
| Total domestic deposits to total assets | 90.6855% | 569 |
| Equity capital to assets | 8.8824% | 5,825 |
| Core capital (leverage) ratio | 8.1344% | 6,116 |
| Tier 1 risk-based capital ratio | 11.4907% | 6,221 |
| Total risk-based capital ratio | 12.6785% | 6,236 |
| Memoranda: | ||
| Average total assets | $86,741,000 | 5,254 |
| Average earning assets | $74,146,000 | 5,391 |
| Average equity | $8,137,000 | 5,529 |
| Average total loans | $53,730,000 | 5,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 4,353 |
| Cost of funding earning assets | 0.4776% | 5,961 |
| Net interest margin | 3.9186% | 2,846 |
| Noninterest income to average assets | 0.7307% | 2,494 |
| Noninterest expense to average assets | 3.9773% | 959 |
| Loan and lease loss provision to assets | 0.1387% | 3,623 |
| Net operating income to assets | -0.0462% | 6,479 |
| Return on assets (ROA) | -0.0462% | 6,574 |
| Pretax return on assets | -0.0462% | 6,568 |
| Return on Equity (ROE) | -0.4801% | 6,587 |
| Retained earnings to average equity (ytd only) | -0.4801% | 6,078 |
| Net charge-offs to loans | 0.3434% | 2,277 |
| Credit loss provision to net charge-offs | 63.8298% | 3,041 |
| Earnings coverage of net charge-offs (x) | 0.4255% | 4,144 |
| Efficiency ratio | 95.5682% | 743 |
| Assets per employee ($millions) | 2.2540% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 4,120 |
| Loan loss allowance to noncurrent loans | 352.8889% | 946 |
| Noncurrent assets plus other real estate owned to assets | 9.9662% | 302 |
| Noncurrent loans to loans | 0.4272% | 5,814 |
| Net loans and leases to total assets | 59.0112% | 3,854 |
| Net loans and leases to deposits | 65.4847% | 4,436 |
| Net loans and leases to core deposits | 67.4025% | 4,744 |
| Total domestic deposits to total assets | 90.1146% | 1,020 |
| Equity capital to assets | 9.5328% | 4,752 |
| Core capital (leverage) ratio | 9.0278% | 4,793 |
| Tier 1 risk-based capital ratio | 12.2974% | 5,758 |
| Total risk-based capital ratio | 13.5472% | 5,719 |
| Memoranda: | ||
| Average total assets | $86,491,500 | 5,305 |
| Average earning assets | $73,699,000 | 5,445 |
| Average equity | $8,331,000 | 5,488 |
| Average total loans | $54,750,500 | 5,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 3,358 |
| Cost of funding earning assets | 0.6532% | 5,807 |
| Net interest margin | 4.2473% | 1,896 |
| Noninterest income to average assets | -0.6047% | 7,278 |
| Noninterest expense to average assets | 12.1255% | 64 |
| Loan and lease loss provision to assets | 0.3491% | 2,904 |
| Net operating income to assets | -9.6712% | 7,350 |
| Return on assets (ROA) | -9.6712% | 7,351 |
| Pretax return on assets | -9.6712% | 7,351 |
| Return on Equity (ROE) | -64.8946% | 7,261 |
| Retained earnings to average equity (ytd only) | -64.8946% | 7,261 |
| Net charge-offs to loans | 0.5530% | 2,801 |
| Credit loss provision to net charge-offs | 95.5882% | 3,777 |
| Earnings coverage of net charge-offs (x) | -25.5265% | 6,414 |
| Efficiency ratio | 132.8352% | 219 |
| Assets per employee ($millions) | 2.3632% | 6,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,346 |
| Loan loss allowance to noncurrent loans | 118.5673% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 10.3096% | 310 |
| Noncurrent loans to loans | 1.2035% | 4,367 |
| Net loans and leases to total assets | 65.8482% | 2,817 |
| Net loans and leases to deposits | 73.2406% | 3,629 |
| Net loans and leases to core deposits | 75.2000% | 4,076 |
| Total domestic deposits to total assets | 89.9067% | 1,042 |
| Equity capital to assets | 9.7348% | 4,543 |
| Core capital (leverage) ratio | 8.9177% | 4,903 |
| Tier 1 risk-based capital ratio | 11.6307% | 6,066 |
| Total risk-based capital ratio | 12.8629% | 6,065 |
| Memoranda: | ||
| Average total assets | $93,101,000 | 5,097 |
| Average earning assets | $74,706,800 | 5,384 |
| Average equity | $13,874,800 | 4,135 |
| Average total loans | $61,478,400 | 4,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 3,336 |
| Cost of funding earning assets | 0.6874% | 5,838 |
| Net interest margin | 4.2608% | 1,869 |
| Noninterest income to average assets | 0.5972% | 3,178 |
| Noninterest expense to average assets | 14.6371% | 47 |
| Loan and lease loss provision to assets | 0.3855% | 2,546 |
| Net operating income to assets | -11.0539% | 7,432 |
| Return on assets (ROA) | -11.0539% | 7,431 |
| Pretax return on assets | -11.0539% | 7,431 |
| Return on Equity (ROE) | -68.8343% | 7,342 |
| Retained earnings to average equity (ytd only) | -68.8343% | 7,340 |
| Net charge-offs to loans | 0.6577% | 2,280 |
| Credit loss provision to net charge-offs | 88.9968% | 3,801 |
| Earnings coverage of net charge-offs (x) | -24.6278% | 6,156 |
| Efficiency ratio | 93.1826% | 957 |
| Assets per employee ($millions) | 2.3142% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,688 |
| Loan loss allowance to noncurrent loans | 59.3258% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 12.7168% | 199 |
| Noncurrent loans to loans | 2.3076% | 2,992 |
| Net loans and leases to total assets | 66.6379% | 2,760 |
| Net loans and leases to deposits | 75.3168% | 3,451 |
| Net loans and leases to core deposits | 77.6242% | 3,963 |
| Total domestic deposits to total assets | 88.4768% | 1,772 |
| Equity capital to assets | 11.0199% | 3,122 |
| Core capital (leverage) ratio | 9.2260% | 4,580 |
| Tier 1 risk-based capital ratio | 12.6632% | 5,353 |
| Total risk-based capital ratio | 13.8087% | 5,436 |
| Memoranda: | ||
| Average total assets | $95,107,250 | 5,072 |
| Average earning assets | $75,257,250 | 5,410 |
| Average equity | $15,273,000 | 3,867 |
| Average total loans | $62,640,000 | 4,803 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 3,523 |
| Cost of funding earning assets | 0.7372% | 5,751 |
| Net interest margin | 4.1851% | 2,099 |
| Noninterest income to average assets | 0.5780% | 3,281 |
| Noninterest expense to average assets | 3.7001% | 1,527 |
| Loan and lease loss provision to assets | 0.3562% | 2,652 |
| Net operating income to assets | -0.2198% | 6,490 |
| Return on assets (ROA) | -0.2198% | 6,527 |
| Pretax return on assets | -0.2198% | 6,472 |
| Return on Equity (ROE) | -1.2545% | 6,437 |
| Retained earnings to average equity (ytd only) | -1.2545% | 6,105 |
| Net charge-offs to loans | 0.7971% | 1,908 |
| Credit loss provision to net charge-offs | 68.3594% | 4,098 |
| Earnings coverage of net charge-offs (x) | 0.2617% | 5,116 |
| Efficiency ratio | 94.4828% | 947 |
| Assets per employee ($millions) | 2.4017% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,591 |
| Loan loss allowance to noncurrent loans | 53.2523% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 10.6018% | 348 |
| Noncurrent loans to loans | 2.2328% | 3,183 |
| Net loans and leases to total assets | 64.4443% | 3,367 |
| Net loans and leases to deposits | 78.9631% | 2,971 |
| Net loans and leases to core deposits | 81.2907% | 3,609 |
| Total domestic deposits to total assets | 81.6132% | 5,313 |
| Equity capital to assets | 18.0006% | 382 |
| Core capital (leverage) ratio | 9.9398% | 3,337 |
| Tier 1 risk-based capital ratio | 12.0436% | 5,755 |
| Total risk-based capital ratio | 13.0670% | 5,911 |
| Memoranda: | ||
| Average total assets | $98,267,330 | 5,012 |
| Average earning assets | $76,509,000 | 5,414 |
| Average equity | $17,218,670 | 3,540 |
| Average total loans | $64,236,000 | 4,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 3,912 |
| Cost of funding earning assets | 0.7964% | 5,591 |
| Net interest margin | 4.0337% | 2,551 |
| Noninterest income to average assets | 0.6401% | 2,898 |
| Noninterest expense to average assets | 3.7719% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0081% | 6,331 |
| Return on assets (ROA) | 0.0081% | 6,365 |
| Pretax return on assets | 0.0081% | 6,339 |
| Return on Equity (ROE) | 0.0466% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.0466% | 5,774 |
| Net charge-offs to loans | -0.2153% | 7,271 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7636% | 846 |
| Assets per employee ($millions) | 2.5107% | 6,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,990 |
| Loan loss allowance to noncurrent loans | 79.3548% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 10.0127% | 415 |
| Noncurrent loans to loans | 1.6754% | 3,970 |
| Net loans and leases to total assets | 65.2580% | 3,186 |
| Net loans and leases to deposits | 79.5374% | 2,801 |
| Net loans and leases to core deposits | 81.8125% | 3,478 |
| Total domestic deposits to total assets | 82.0469% | 5,295 |
| Equity capital to assets | 17.6079% | 395 |
| Core capital (leverage) ratio | 9.7023% | 3,522 |
| Tier 1 risk-based capital ratio | 11.7391% | 5,907 |
| Total risk-based capital ratio | 12.8930% | 5,978 |
| Memoranda: | ||
| Average total assets | $99,366,500 | 5,016 |
| Average earning assets | $77,348,500 | 5,432 |
| Average equity | $17,181,500 | 3,537 |
| Average total loans | $65,026,000 | 4,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 3,763 |
| Cost of funding earning assets | 1.0127% | 5,628 |
| Net interest margin | 4.1542% | 2,349 |
| Noninterest income to average assets | 0.2417% | 6,069 |
| Noninterest expense to average assets | 3.9433% | 1,249 |
| Loan and lease loss provision to assets | 2.3312% | 513 |
| Net operating income to assets | -2.7165% | 7,230 |
| Return on assets (ROA) | -2.7165% | 7,247 |
| Pretax return on assets | -2.7165% | 7,224 |
| Return on Equity (ROE) | -15.1979% | 6,921 |
| Retained earnings to average equity (ytd only) | -15.1979% | 6,885 |
| Net charge-offs to loans | 4.1805% | 287 |
| Credit loss provision to net charge-offs | 78.3943% | 5,620 |
| Earnings coverage of net charge-offs (x) | -0.1296% | 6,246 |
| Efficiency ratio | 108.7834% | 562 |
| Assets per employee ($millions) | 2.4004% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,182 |
| Loan loss allowance to noncurrent loans | 149.3671% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 9.3754% | 467 |
| Noncurrent loans to loans | 0.8470% | 5,366 |
| Net loans and leases to total assets | 63.9446% | 3,885 |
| Net loans and leases to deposits | 77.4099% | 3,605 |
| Net loans and leases to core deposits | 79.2864% | 4,305 |
| Total domestic deposits to total assets | 82.6051% | 4,974 |
| Equity capital to assets | 16.9832% | 461 |
| Core capital (leverage) ratio | 9.2209% | 4,137 |
| Tier 1 risk-based capital ratio | 11.4107% | 5,984 |
| Total risk-based capital ratio | 12.5018% | 6,116 |
| Memoranda: | ||
| Average total assets | $103,036,600 | 4,896 |
| Average earning assets | $82,254,000 | 5,266 |
| Average equity | $18,417,000 | 3,365 |
| Average total loans | $73,292,200 | 4,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 3,712 |
| Cost of funding earning assets | 1.0345% | 5,780 |
| Net interest margin | 4.1892% | 2,255 |
| Noninterest income to average assets | 0.4350% | 4,678 |
| Noninterest expense to average assets | 3.9011% | 1,202 |
| Loan and lease loss provision to assets | 2.4712% | 432 |
| Net operating income to assets | -2.5703% | 7,365 |
| Return on assets (ROA) | -2.5703% | 7,382 |
| Pretax return on assets | -2.5703% | 7,340 |
| Return on Equity (ROE) | -14.2075% | 7,081 |
| Retained earnings to average equity (ytd only) | -14.2075% | 7,049 |
| Net charge-offs to loans | 4.0056% | 304 |
| Credit loss provision to net charge-offs | 84.8806% | 4,969 |
| Earnings coverage of net charge-offs (x) | -0.0340% | 6,059 |
| Efficiency ratio | 100.7109% | 720 |
| Assets per employee ($millions) | 2.3137% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,389 |
| Loan loss allowance to noncurrent loans | 46.3217% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 10.5716% | 359 |
| Noncurrent loans to loans | 3.5304% | 2,233 |
| Net loans and leases to total assets | 67.7115% | 3,288 |
| Net loans and leases to deposits | 82.5996% | 2,984 |
| Net loans and leases to core deposits | 84.5852% | 3,864 |
| Total domestic deposits to total assets | 81.9756% | 5,004 |
| Equity capital to assets | 17.4959% | 462 |
| Core capital (leverage) ratio | 9.6483% | 3,683 |
| Tier 1 risk-based capital ratio | 11.6742% | 5,755 |
| Total risk-based capital ratio | 12.7835% | 5,886 |
| Memoranda: | ||
| Average total assets | $103,591,500 | 4,947 |
| Average earning assets | $83,260,250 | 5,296 |
| Average equity | $18,740,750 | 3,349 |
| Average total loans | $75,292,000 | 4,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 3,974 |
| Cost of funding earning assets | 1.0409% | 5,959 |
| Net interest margin | 4.1565% | 2,305 |
| Noninterest income to average assets | 0.3378% | 5,447 |
| Noninterest expense to average assets | 3.9333% | 1,134 |
| Loan and lease loss provision to assets | 3.6856% | 227 |
| Net operating income to assets | -3.9083% | 7,612 |
| Return on assets (ROA) | -3.9083% | 7,617 |
| Pretax return on assets | -3.9083% | 7,591 |
| Return on Equity (ROE) | -21.3746% | 7,303 |
| Retained earnings to average equity (ytd only) | -21.3746% | 7,287 |
| Net charge-offs to loans | 5.9405% | 137 |
| Credit loss provision to net charge-offs | 83.9161% | 4,594 |
| Earnings coverage of net charge-offs (x) | -0.0507% | 5,760 |
| Efficiency ratio | 104.0352% | 681 |
| Assets per employee ($millions) | 2.2795% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,716 |
| Loan loss allowance to noncurrent loans | 95.3191% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 9.1553% | 481 |
| Noncurrent loans to loans | 1.6148% | 4,288 |
| Net loans and leases to total assets | 68.3264% | 3,281 |
| Net loans and leases to deposits | 85.7223% | 2,551 |
| Net loans and leases to core deposits | 87.4989% | 3,620 |
| Total domestic deposits to total assets | 79.7066% | 5,816 |
| Equity capital to assets | 16.9564% | 532 |
| Core capital (leverage) ratio | 9.5459% | 3,749 |
| Tier 1 risk-based capital ratio | 11.0824% | 6,148 |
| Total risk-based capital ratio | 12.1845% | 6,293 |
| Memoranda: | ||
| Average total assets | $104,188,330 | 4,964 |
| Average earning assets | $84,541,330 | 5,279 |
| Average equity | $19,050,670 | 3,298 |
| Average total loans | $77,030,330 | 4,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 4,908 |
| Cost of funding earning assets | 1.0618% | 6,080 |
| Net interest margin | 3.9633% | 3,034 |
| Noninterest income to average assets | 0.5623% | 3,544 |
| Noninterest expense to average assets | 3.5897% | 1,763 |
| Loan and lease loss provision to assets | 1.1555% | 1,058 |
| Net operating income to assets | -0.9051% | 7,062 |
| Return on assets (ROA) | -0.9051% | 7,087 |
| Pretax return on assets | -0.9051% | 7,005 |
| Return on Equity (ROE) | -4.7750% | 6,871 |
| Retained earnings to average equity (ytd only) | -4.7750% | 6,571 |
| Net charge-offs to loans | 0.4396% | 2,731 |
| Credit loss provision to net charge-offs | 344.8276% | 1,169 |
| Earnings coverage of net charge-offs (x) | 0.7471% | 4,362 |
| Efficiency ratio | 91.5747% | 1,313 |
| Assets per employee ($millions) | 2.4023% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 1,858 |
| Loan loss allowance to noncurrent loans | 20.8430% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 11.6360% | 289 |
| Noncurrent loans to loans | 10.3031% | 404 |
| Net loans and leases to total assets | 75.0319% | 1,735 |
| Net loans and leases to deposits | 96.6205% | 1,033 |
| Net loans and leases to core deposits | 98.0692% | 2,337 |
| Total domestic deposits to total assets | 77.6563% | 6,410 |
| Equity capital to assets | 18.9468% | 345 |
| Core capital (leverage) ratio | 11.4568% | 1,937 |
| Tier 1 risk-based capital ratio | 12.9853% | 4,345 |
| Total risk-based capital ratio | 14.1630% | 4,375 |
| Memoranda: | ||
| Average total assets | $103,854,000 | 5,036 |
| Average earning assets | $85,889,000 | 5,306 |
| Average equity | $19,686,000 | 3,240 |
| Average total loans | $79,163,000 | 4,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8417% | 2,480 |
| Cost of funding earning assets | 1.4630% | 5,668 |
| Net interest margin | 4.3787% | 1,493 |
| Noninterest income to average assets | 0.3323% | 5,712 |
| Noninterest expense to average assets | 3.8855% | 1,527 |
| Loan and lease loss provision to assets | 1.2924% | 1,792 |
| Net operating income to assets | -1.2786% | 6,750 |
| Return on assets (ROA) | -1.2786% | 6,755 |
| Pretax return on assets | -1.2786% | 6,585 |
| Return on Equity (ROE) | -6.6565% | 6,358 |
| Retained earnings to average equity (ytd only) | -6.6565% | 6,211 |
| Net charge-offs to loans | 2.0844% | 1,175 |
| Credit loss provision to net charge-offs | 83.3333% | 6,212 |
| Earnings coverage of net charge-offs (x) | 0.0089% | 6,184 |
| Efficiency ratio | 97.8693% | 1,218 |
| Assets per employee ($millions) | 2.4859% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 2,308 |
| Loan loss allowance to noncurrent loans | 49.6662% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 6.4995% | 841 |
| Noncurrent loans to loans | 3.7868% | 1,979 |
| Net loans and leases to total assets | 74.3516% | 2,178 |
| Net loans and leases to deposits | 95.8099% | 1,352 |
| Net loans and leases to core deposits | 111.1081% | 2,785 |
| Total domestic deposits to total assets | 77.6032% | 6,321 |
| Equity capital to assets | 18.9641% | 369 |
| Core capital (leverage) ratio | 11.3885% | 1,977 |
| Tier 1 risk-based capital ratio | 13.2346% | 3,993 |
| Total risk-based capital ratio | 14.4121% | 3,987 |
| Memoranda: | ||
| Average total assets | $108,325,800 | 4,867 |
| Average earning assets | $88,244,400 | 5,183 |
| Average equity | $20,806,800 | 3,095 |
| Average total loans | $80,597,600 | 4,486 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9340% | 2,301 |
| Cost of funding earning assets | 1.5466% | 5,648 |
| Net interest margin | 4.3874% | 1,471 |
| Noninterest income to average assets | 0.4160% | 5,165 |
| Noninterest expense to average assets | 3.8936% | 1,437 |
| Loan and lease loss provision to assets | 0.6099% | 2,947 |
| Net operating income to assets | -0.5270% | 6,456 |
| Return on assets (ROA) | -0.5270% | 6,456 |
| Pretax return on assets | -0.5270% | 6,332 |
| Return on Equity (ROE) | -2.7352% | 6,205 |
| Retained earnings to average equity (ytd only) | -2.7352% | 5,886 |
| Net charge-offs to loans | 0.9650% | 2,047 |
| Credit loss provision to net charge-offs | 85.3242% | 5,615 |
| Earnings coverage of net charge-offs (x) | 0.1160% | 5,920 |
| Efficiency ratio | 96.1963% | 1,263 |
| Assets per employee ($millions) | 2.4220% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 1,682 |
| Loan loss allowance to noncurrent loans | 106.6582% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 4.9189% | 1,198 |
| Noncurrent loans to loans | 1.9248% | 3,739 |
| Net loans and leases to total assets | 75.3033% | 2,153 |
| Net loans and leases to deposits | 97.7145% | 1,354 |
| Net loans and leases to core deposits | 115.8360% | 2,640 |
| Total domestic deposits to total assets | 77.0646% | 6,322 |
| Equity capital to assets | 19.4785% | 374 |
| Core capital (leverage) ratio | 11.9655% | 1,815 |
| Tier 1 risk-based capital ratio | 14.2014% | 3,444 |
| Total risk-based capital ratio | 15.3795% | 3,419 |
| Memoranda: | ||
| Average total assets | $109,305,250 | 4,874 |
| Average earning assets | $88,707,250 | 5,207 |
| Average equity | $21,058,500 | 3,091 |
| Average total loans | $80,967,750 | 4,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9105% | 2,540 |
| Cost of funding earning assets | 1.5999% | 5,743 |
| Net interest margin | 4.3106% | 1,629 |
| Noninterest income to average assets | 0.3248% | 5,917 |
| Noninterest expense to average assets | 3.8651% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0690% | 5,951 |
| Return on assets (ROA) | -0.0690% | 6,019 |
| Pretax return on assets | -0.0690% | 5,961 |
| Return on Equity (ROE) | -0.3592% | 5,976 |
| Retained earnings to average equity (ytd only) | -0.3592% | 5,311 |
| Net charge-offs to loans | 1.0565% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.0892% | 5,785 |
| Efficiency ratio | 100.0478% | 1,174 |
| Assets per employee ($millions) | 2.3712% | 7,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 2,418 |
| Loan loss allowance to noncurrent loans | 307.0938% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 4.2621% | 1,354 |
| Noncurrent loans to loans | 0.5467% | 6,174 |
| Net loans and leases to total assets | 70.5154% | 3,581 |
| Net loans and leases to deposits | 92.1497% | 2,444 |
| Net loans and leases to core deposits | 109.0879% | 3,485 |
| Total domestic deposits to total assets | 76.5227% | 6,432 |
| Equity capital to assets | 18.9541% | 463 |
| Core capital (leverage) ratio | 12.3238% | 1,686 |
| Tier 1 risk-based capital ratio | 14.5663% | 3,212 |
| Total risk-based capital ratio | 15.7151% | 3,211 |
| Memoranda: | ||
| Average total assets | $110,217,330 | 4,881 |
| Average earning assets | $88,757,000 | 5,239 |
| Average equity | $21,158,670 | 3,074 |
| Average total loans | $80,646,330 | 4,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0366% | 2,209 |
| Cost of funding earning assets | 1.6418% | 5,852 |
| Net interest margin | 4.3948% | 1,354 |
| Noninterest income to average assets | 0.2263% | 6,653 |
| Noninterest expense to average assets | 3.7335% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0292% | 6,187 |
| Return on assets (ROA) | 0.0292% | 6,341 |
| Pretax return on assets | 0.0292% | 6,322 |
| Return on Equity (ROE) | 0.1511% | 6,377 |
| Retained earnings to average equity (ytd only) | 0.1511% | 5,600 |
| Net charge-offs to loans | 1.2197% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.0324% | 4,950 |
| Efficiency ratio | 97.3812% | 1,244 |
| Assets per employee ($millions) | 2.3940% | 7,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 1,598 |
| Loan loss allowance to noncurrent loans | 106.3636% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 4.9164% | 930 |
| Noncurrent loans to loans | 1.7972% | 3,566 |
| Net loans and leases to total assets | 70.8741% | 3,496 |
| Net loans and leases to deposits | 91.5444% | 2,680 |
| Net loans and leases to core deposits | 108.8490% | 3,577 |
| Total domestic deposits to total assets | 77.4205% | 6,174 |
| Equity capital to assets | 19.2332% | 463 |
| Core capital (leverage) ratio | 12.6176% | 1,639 |
| Tier 1 risk-based capital ratio | 14.4598% | 3,331 |
| Total risk-based capital ratio | 15.5972% | 3,322 |
| Memoranda: | ||
| Average total assets | $109,602,000 | 4,918 |
| Average earning assets | $88,195,000 | 5,282 |
| Average equity | $21,176,000 | 3,097 |
| Average total loans | $81,004,500 | 4,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4319% | 3,271 |
| Cost of funding earning assets | 1.9933% | 6,431 |
| Net interest margin | 4.4386% | 1,566 |
| Noninterest income to average assets | 0.1583% | 7,290 |
| Noninterest expense to average assets | 4.2317% | 1,117 |
| Loan and lease loss provision to assets | 1.3578% | 1,033 |
| Net operating income to assets | -1.4625% | 7,450 |
| Return on assets (ROA) | -1.4625% | 7,394 |
| Pretax return on assets | -1.7684% | 7,364 |
| Return on Equity (ROE) | -7.3523% | 7,075 |
| Retained earnings to average equity (ytd only) | -8.7014% | 6,942 |
| Net charge-offs to loans | 0.8645% | 1,446 |
| Credit loss provision to net charge-offs | 214.4068% | 2,253 |
| Earnings coverage of net charge-offs (x) | -0.6483% | 6,525 |
| Efficiency ratio | 108.9888% | 730 |
| Assets per employee ($millions) | 2.1389% | 7,784 |
| Cash dividends to net income (ytd only)* | -18.3486% | 7,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 1,008 |
| Loan loss allowance to noncurrent loans | 36.1037% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 8.3588% | 265 |
| Noncurrent loans to loans | 5.9401% | 610 |
| Net loans and leases to total assets | 73.9554% | 3,111 |
| Net loans and leases to deposits | 99.3253% | 1,939 |
| Net loans and leases to core deposits | 116.2856% | 3,095 |
| Total domestic deposits to total assets | 74.4577% | 6,567 |
| Equity capital to assets | 19.4093% | 505 |
| Core capital (leverage) ratio | 12.2781% | 1,850 |
| Tier 1 risk-based capital ratio | 14.0752% | 3,513 |
| Total risk-based capital ratio | 15.2305% | 3,476 |
| Memoranda: | ||
| Average total assets | $111,798,200 | 4,729 |
| Average earning assets | $92,259,000 | 5,020 |
| Average equity | $22,237,800 | 2,946 |
| Average total loans | $81,895,200 | 4,453 |