Home > Reliance Bank, FSB > Performance and Condition Ratios
Reliance Bank, FSB, Performance and Condition Ratios
| 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 | 3.3550% | 6,537 |
| Cost of funding earning assets | 0.9231% | 1,799 |
| Net interest margin | 2.4319% | 6,756 |
| Noninterest income to average assets | 0.0521% | 6,678 |
| Noninterest expense to average assets | 2.6595% | 4,543 |
| Loan and lease loss provision to assets | -1.6276% | 7,079 |
| Net operating income to assets | 1.1393% | 1,808 |
| Return on assets (ROA) | 1.9611% | 420 |
| Pretax return on assets | 1.9611% | 653 |
| Return on Equity (ROE) | 33.8719% | 46 |
| Retained earnings to average equity (ytd only) | 33.8719% | 15 |
| Net charge-offs to loans | -3.4929% | 7,038 |
| Credit loss provision to net charge-offs | 109.3418% | 2,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4891% | 189 |
| Assets per employee ($millions) | 5.3865% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0967% | 3 |
| Loan loss allowance to noncurrent loans | 239.6640% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 5.6066% | 657 |
| Noncurrent loans to loans | 5.8818% | 614 |
| Net loans and leases to total assets | 33.7440% | 6,559 |
| Net loans and leases to deposits | 38.1027% | 6,633 |
| Net loans and leases to core deposits | 39.6015% | 6,628 |
| Total domestic deposits to total assets | 88.5607% | 1,863 |
| Equity capital to assets | 7.4698% | 6,646 |
| Core capital (leverage) ratio | 7.0968% | 6,670 |
| Tier 1 risk-based capital ratio | 14.9373% | 3,752 |
| Total risk-based capital ratio | 16.3156% | 3,634 |
| Memoranda: | ||
| Average total assets | $63,282,200 | 5,848 |
| Average earning assets | $55,141,200 | 5,882 |
| Average equity | $3,663,800 | 6,647 |
| Average total loans | $26,969,000 | 6,083 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 6,613 |
| Cost of funding earning assets | 0.9434% | 1,885 |
| Net interest margin | 2.4715% | 6,844 |
| Noninterest income to average assets | -0.0332% | 6,987 |
| Noninterest expense to average assets | 2.6815% | 4,447 |
| Loan and lease loss provision to assets | 0.1452% | 3,720 |
| Net operating income to assets | -0.7031% | 6,778 |
| Return on assets (ROA) | 0.3754% | 5,554 |
| Pretax return on assets | 0.3754% | 5,777 |
| Return on Equity (ROE) | 6.9482% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.9482% | 2,159 |
| Net charge-offs to loans | -1.5822% | 7,129 |
| Credit loss provision to net charge-offs | -21.1480% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2695% | 166 |
| Assets per employee ($millions) | 5.4020% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.6289% | 4 |
| Loan loss allowance to noncurrent loans | 956.8528% | 448 |
| Noncurrent assets plus other real estate owned to assets | 2.8558% | 1,840 |
| Noncurrent loans to loans | 1.6334% | 3,348 |
| Net loans and leases to total assets | 34.2499% | 6,646 |
| Net loans and leases to deposits | 37.9850% | 6,753 |
| Net loans and leases to core deposits | 39.6316% | 6,753 |
| Total domestic deposits to total assets | 90.1669% | 754 |
| Equity capital to assets | 5.7773% | 7,000 |
| Core capital (leverage) ratio | 5.2927% | 6,997 |
| Tier 1 risk-based capital ratio | 10.9239% | 6,507 |
| Total risk-based capital ratio | 12.3203% | 6,424 |
| Memoranda: | ||
| Average total assets | $64,289,750 | 5,870 |
| Average earning assets | $56,105,750 | 5,933 |
| Average equity | $3,473,250 | 6,774 |
| Average total loans | $27,892,500 | 6,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 6,647 |
| Cost of funding earning assets | 0.9463% | 2,088 |
| Net interest margin | 2.5200% | 6,875 |
| Noninterest income to average assets | -0.1274% | 7,110 |
| Noninterest expense to average assets | 2.6217% | 4,704 |
| Loan and lease loss provision to assets | 0.1821% | 3,281 |
| Net operating income to assets | -0.7252% | 6,826 |
| Return on assets (ROA) | 0.8526% | 3,399 |
| Pretax return on assets | 0.8526% | 4,270 |
| Return on Equity (ROE) | 16.1185% | 755 |
| Retained earnings to average equity (ytd only) | 16.1185% | 221 |
| Net charge-offs to loans | -0.3293% | 7,085 |
| Credit loss provision to net charge-offs | -125.0000% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.1314% | 186 |
| Assets per employee ($millions) | 5.6924% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.6155% | 7 |
| Loan loss allowance to noncurrent loans | 149.0995% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 5.8052% | 750 |
| Noncurrent loans to loans | 9.1318% | 325 |
| Net loans and leases to total assets | 35.2306% | 6,652 |
| Net loans and leases to deposits | 38.8380% | 6,769 |
| Net loans and leases to core deposits | 40.4163% | 6,792 |
| Total domestic deposits to total assets | 90.7116% | 556 |
| Equity capital to assets | 5.5513% | 7,060 |
| Core capital (leverage) ratio | 5.1824% | 7,055 |
| Tier 1 risk-based capital ratio | 10.7280% | 6,603 |
| Total risk-based capital ratio | 12.1033% | 6,540 |
| Memoranda: | ||
| Average total assets | $65,912,330 | 5,851 |
| Average earning assets | $57,698,670 | 5,914 |
| Average equity | $3,486,670 | 6,809 |
| Average total loans | $29,149,330 | 6,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 6,546 |
| Cost of funding earning assets | 0.9553% | 2,265 |
| Net interest margin | 2.6694% | 6,810 |
| Noninterest income to average assets | 0.0888% | 6,792 |
| Noninterest expense to average assets | 2.7057% | 4,402 |
| Loan and lease loss provision to assets | 0.1776% | 3,192 |
| Net operating income to assets | -0.4618% | 6,803 |
| Return on assets (ROA) | 2.6169% | 185 |
| Pretax return on assets | 2.6169% | 283 |
| Return on Equity (ROE) | 50.6300% | 32 |
| Retained earnings to average equity (ytd only) | 50.6300% | 22 |
| Net charge-offs to loans | 0.4393% | 1,996 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | -1.4118% | 4,583 |
| Efficiency ratio | 111.7359% | 315 |
| Assets per employee ($millions) | 6.0247% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0793% | 11 |
| Loan loss allowance to noncurrent loans | 86.0174% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 7.9928% | 479 |
| Noncurrent loans to loans | 12.8803% | 168 |
| Net loans and leases to total assets | 40.7518% | 6,288 |
| Net loans and leases to deposits | 44.6736% | 6,520 |
| Net loans and leases to core deposits | 46.1130% | 6,561 |
| Total domestic deposits to total assets | 91.2210% | 468 |
| Equity capital to assets | 5.3703% | 7,114 |
| Core capital (leverage) ratio | 5.1394% | 7,110 |
| Tier 1 risk-based capital ratio | 9.6882% | 6,938 |
| Total risk-based capital ratio | 11.0422% | 6,921 |
| Memoranda: | ||
| Average total assets | $67,560,500 | 5,843 |
| Average earning assets | $59,040,000 | 5,905 |
| Average equity | $3,492,000 | 6,854 |
| Average total loans | $30,955,500 | 6,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 4,447 |
| Cost of funding earning assets | 1.2394% | 1,790 |
| Net interest margin | 3.4120% | 5,447 |
| Noninterest income to average assets | -0.7150% | 7,296 |
| Noninterest expense to average assets | 3.0493% | 3,398 |
| Loan and lease loss provision to assets | 0.2476% | 3,732 |
| Net operating income to assets | -3.6177% | 7,231 |
| Return on assets (ROA) | -3.6215% | 7,236 |
| Pretax return on assets | -1.1154% | 6,779 |
| Return on Equity (ROE) | -54.5410% | 7,218 |
| Retained earnings to average equity (ytd only) | -54.5410% | 7,217 |
| Net charge-offs to loans | 3.5984% | 200 |
| Credit loss provision to net charge-offs | 13.3697% | 5,987 |
| Earnings coverage of net charge-offs (x) | -0.4666% | 6,067 |
| Efficiency ratio | 139.5376% | 178 |
| Assets per employee ($millions) | 5.7374% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6820% | 14 |
| Loan loss allowance to noncurrent loans | 82.7358% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 9.2884% | 380 |
| Noncurrent loans to loans | 12.9110% | 175 |
| Net loans and leases to total assets | 40.9156% | 6,477 |
| Net loans and leases to deposits | 44.7548% | 6,684 |
| Net loans and leases to core deposits | 47.2073% | 6,682 |
| Total domestic deposits to total assets | 91.4218% | 358 |
| Equity capital to assets | 4.9747% | 7,172 |
| Core capital (leverage) ratio | 4.1044% | 7,204 |
| Tier 1 risk-based capital ratio | 8.1661% | 7,103 |
| Total risk-based capital ratio | 9.5166% | 7,097 |
| Memoranda: | ||
| Average total assets | $79,166,200 | 5,474 |
| Average earning assets | $67,292,600 | 5,634 |
| Average equity | $5,256,600 | 6,364 |
| Average total loans | $40,740,000 | 5,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 3,838 |
| Cost of funding earning assets | 1.2978% | 1,721 |
| Net interest margin | 3.5409% | 5,016 |
| Noninterest income to average assets | -0.6133% | 7,370 |
| Noninterest expense to average assets | 2.8364% | 4,210 |
| Loan and lease loss provision to assets | 0.2708% | 3,336 |
| Net operating income to assets | -0.7209% | 6,767 |
| Return on assets (ROA) | -0.7274% | 6,803 |
| Pretax return on assets | -0.7274% | 6,750 |
| Return on Equity (ROE) | -10.4060% | 6,902 |
| Retained earnings to average equity (ytd only) | -10.4060% | 6,868 |
| Net charge-offs to loans | 0.8581% | 1,850 |
| Credit loss provision to net charge-offs | 59.9278% | 4,811 |
| Earnings coverage of net charge-offs (x) | -0.9964% | 5,930 |
| Efficiency ratio | 118.8653% | 320 |
| Assets per employee ($millions) | 5.1089% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8687% | 20 |
| Loan loss allowance to noncurrent loans | 75.3623% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 10.6454% | 317 |
| Noncurrent loans to loans | 11.7681% | 245 |
| Net loans and leases to total assets | 43.9270% | 6,341 |
| Net loans and leases to deposits | 49.1725% | 6,548 |
| Net loans and leases to core deposits | 52.7551% | 6,522 |
| Total domestic deposits to total assets | 89.3324% | 1,235 |
| Equity capital to assets | 7.6898% | 6,846 |
| Core capital (leverage) ratio | 4.6009% | 7,267 |
| Tier 1 risk-based capital ratio | 8.1324% | 7,181 |
| Total risk-based capital ratio | 9.4626% | 7,177 |
| Memoranda: | ||
| Average total assets | $81,745,500 | 5,448 |
| Average earning assets | $69,246,000 | 5,606 |
| Average equity | $5,714,500 | 6,273 |
| Average total loans | $43,040,250 | 5,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 3,116 |
| Cost of funding earning assets | 1.3251% | 1,797 |
| Net interest margin | 3.6842% | 4,339 |
| Noninterest income to average assets | -0.7813% | 7,459 |
| Noninterest expense to average assets | 3.0414% | 3,473 |
| Loan and lease loss provision to assets | 0.3978% | 2,427 |
| Net operating income to assets | -1.0953% | 6,973 |
| Return on assets (ROA) | -1.1049% | 6,983 |
| Pretax return on assets | -1.1049% | 6,929 |
| Return on Equity (ROE) | -16.3042% | 7,095 |
| Retained earnings to average equity (ytd only) | -16.3042% | 7,072 |
| Net charge-offs to loans | -1.4288% | 7,455 |
| Credit loss provision to net charge-offs | -51.5528% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7546% | 257 |
| Assets per employee ($millions) | 5.3203% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2457% | 19 |
| Loan loss allowance to noncurrent loans | 78.3189% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 10.3829% | 360 |
| Noncurrent loans to loans | 11.8053% | 267 |
| Net loans and leases to total assets | 47.6743% | 6,087 |
| Net loans and leases to deposits | 53.8765% | 6,310 |
| Net loans and leases to core deposits | 58.2509% | 6,254 |
| Total domestic deposits to total assets | 88.4880% | 1,864 |
| Equity capital to assets | 7.2064% | 7,055 |
| Core capital (leverage) ratio | 4.3739% | 7,350 |
| Tier 1 risk-based capital ratio | 7.3612% | 7,290 |
| Total risk-based capital ratio | 8.6993% | 7,288 |
| Memoranda: | ||
| Average total assets | $83,449,330 | 5,442 |
| Average earning assets | $70,789,670 | 5,606 |
| Average equity | $5,655,000 | 6,333 |
| Average total loans | $45,074,000 | 5,554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 1,410 |
| Cost of funding earning assets | 1.3617% | 1,821 |
| Net interest margin | 4.0961% | 2,282 |
| Noninterest income to average assets | -1.2759% | 7,544 |
| Noninterest expense to average assets | 3.0022% | 3,639 |
| Loan and lease loss provision to assets | 0.4691% | 1,875 |
| Net operating income to assets | -1.2759% | 7,126 |
| Return on assets (ROA) | -1.2759% | 7,132 |
| Pretax return on assets | -1.2759% | 7,089 |
| Return on Equity (ROE) | -19.4043% | 7,213 |
| Retained earnings to average equity (ytd only) | -19.4043% | 7,145 |
| Net charge-offs to loans | -7.7771% | 7,526 |
| Credit loss provision to net charge-offs | -11.0254% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7521% | 223 |
| Assets per employee ($millions) | 4.7319% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8626% | 23 |
| Loan loss allowance to noncurrent loans | 61.1042% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 12.6258% | 233 |
| Noncurrent loans to loans | 16.1407% | 122 |
| Net loans and leases to total assets | 47.1476% | 6,173 |
| Net loans and leases to deposits | 52.7319% | 6,417 |
| Net loans and leases to core deposits | 57.6180% | 6,291 |
| Total domestic deposits to total assets | 89.4100% | 1,528 |
| Equity capital to assets | 6.7121% | 7,162 |
| Core capital (leverage) ratio | 4.2974% | 7,408 |
| Tier 1 risk-based capital ratio | 7.1155% | 7,354 |
| Total risk-based capital ratio | 8.4591% | 7,354 |
| Memoranda: | ||
| Average total assets | $85,272,000 | 5,435 |
| Average earning assets | $72,263,000 | 5,597 |
| Average equity | $5,607,000 | 6,363 |
| Average total loans | $46,650,000 | 5,540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 5,530 |
| Cost of funding earning assets | 1.7066% | 1,571 |
| Net interest margin | 3.0637% | 6,610 |
| Noninterest income to average assets | -4.8050% | 7,657 |
| Noninterest expense to average assets | 2.7336% | 4,832 |
| Loan and lease loss provision to assets | 6.6627% | 32 |
| Net operating income to assets | -15.7427% | 7,653 |
| Return on assets (ROA) | -15.6697% | 7,653 |
| Pretax return on assets | -11.7544% | 7,648 |
| Return on Equity (ROE) | -96.3758% | 7,585 |
| Retained earnings to average equity (ytd only) | -96.3758% | 7,585 |
| Net charge-offs to loans | 9.9797% | 16 |
| Credit loss provision to net charge-offs | 113.1513% | 3,849 |
| Earnings coverage of net charge-offs (x) | -0.8771% | 6,573 |
| Efficiency ratio | -112.1410% | 7,649 |
| Assets per employee ($millions) | 4.4931% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9480% | 61 |
| Loan loss allowance to noncurrent loans | 37.9029% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 15.4927% | 148 |
| Noncurrent loans to loans | 18.3310% | 96 |
| Net loans and leases to total assets | 53.1352% | 5,763 |
| Net loans and leases to deposits | 59.3117% | 6,123 |
| Net loans and leases to core deposits | 67.6666% | 5,690 |
| Total domestic deposits to total assets | 89.5864% | 1,338 |
| Equity capital to assets | 6.4391% | 7,269 |
| Core capital (leverage) ratio | 4.0068% | 7,500 |
| Tier 1 risk-based capital ratio | 6.2138% | 7,471 |
| Total risk-based capital ratio | 7.5257% | 7,470 |
| Memoranda: | ||
| Average total assets | $94,526,200 | 5,140 |
| Average earning assets | $73,243,600 | 5,563 |
| Average equity | $15,369,000 | 3,877 |
| Average total loans | $55,773,200 | 5,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 5,145 |
| Cost of funding earning assets | 1.7468% | 1,640 |
| Net interest margin | 3.1801% | 6,410 |
| Noninterest income to average assets | -1.3951% | 7,743 |
| Noninterest expense to average assets | 2.6799% | 4,962 |
| Loan and lease loss provision to assets | 7.3058% | 20 |
| Net operating income to assets | -5.4372% | 7,675 |
| Return on assets (ROA) | -5.3764% | 7,677 |
| Pretax return on assets | -8.8689% | 7,735 |
| Return on Equity (ROE) | -29.1820% | 7,373 |
| Retained earnings to average equity (ytd only) | -29.1820% | 7,363 |
| Net charge-offs to loans | 11.1685% | 17 |
| Credit loss provision to net charge-offs | 110.0851% | 3,850 |
| Earnings coverage of net charge-offs (x) | -0.2498% | 6,216 |
| Efficiency ratio | 261.3208% | 41 |
| Assets per employee ($millions) | 4.0754% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5120% | 86 |
| Loan loss allowance to noncurrent loans | 43.9457% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 14.1170% | 185 |
| Noncurrent loans to loans | 14.8182% | 165 |
| Net loans and leases to total assets | 50.3268% | 6,288 |
| Net loans and leases to deposits | 64.9406% | 5,797 |
| Net loans and leases to core deposits | 75.6509% | 5,099 |
| Total domestic deposits to total assets | 77.4967% | 6,367 |
| Equity capital to assets | 18.5148% | 374 |
| Core capital (leverage) ratio | 9.8881% | 3,370 |
| Tier 1 risk-based capital ratio | 13.7688% | 4,007 |
| Total risk-based capital ratio | 15.0708% | 3,932 |
| Memoranda: | ||
| Average total assets | $96,815,500 | 5,141 |
| Average earning assets | $73,581,250 | 5,617 |
| Average equity | $17,837,000 | 3,497 |
| Average total loans | $57,529,500 | 5,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 5,110 |
| Cost of funding earning assets | 1.7522% | 1,852 |
| Net interest margin | 3.2119% | 6,279 |
| Noninterest income to average assets | -1.4032% | 7,808 |
| Noninterest expense to average assets | 2.6492% | 5,129 |
| Loan and lease loss provision to assets | 6.0120% | 72 |
| Net operating income to assets | -4.6051% | 7,674 |
| Return on assets (ROA) | -4.5161% | 7,670 |
| Pretax return on assets | -7.4455% | 7,771 |
| Return on Equity (ROE) | -24.5488% | 7,365 |
| Retained earnings to average equity (ytd only) | -24.5488% | 7,351 |
| Net charge-offs to loans | 7.4599% | 76 |
| Credit loss provision to net charge-offs | 131.8885% | 3,053 |
| Earnings coverage of net charge-offs (x) | -0.3450% | 5,948 |
| Efficiency ratio | 245.1311% | 59 |
| Assets per employee ($millions) | 4.9145% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8760% | 59 |
| Loan loss allowance to noncurrent loans | 53.6084% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 13.0162% | 219 |
| Noncurrent loans to loans | 12.8264% | 237 |
| Net loans and leases to total assets | 57.1025% | 5,546 |
| Net loans and leases to deposits | 74.5015% | 4,598 |
| Net loans and leases to core deposits | 88.6908% | 3,454 |
| Total domestic deposits to total assets | 76.6460% | 6,577 |
| Equity capital to assets | 18.5294% | 375 |
| Core capital (leverage) ratio | 11.3734% | 1,995 |
| Tier 1 risk-based capital ratio | 15.3277% | 2,988 |
| Total risk-based capital ratio | 16.6394% | 2,924 |
| Memoranda: | ||
| Average total assets | $99,201,330 | 5,106 |
| Average earning assets | $76,590,000 | 5,559 |
| Average equity | $18,249,330 | 3,425 |
| Average total loans | $60,617,670 | 5,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 4,639 |
| Cost of funding earning assets | 1.7392% | 2,188 |
| Net interest margin | 3.3381% | 5,826 |
| Noninterest income to average assets | -1.4102% | 7,911 |
| Noninterest expense to average assets | 2.6989% | 4,912 |
| Loan and lease loss provision to assets | 7.5053% | 66 |
| Net operating income to assets | -5.7354% | 7,810 |
| Return on assets (ROA) | -5.5624% | 7,809 |
| Pretax return on assets | -8.7353% | 7,870 |
| Return on Equity (ROE) | -30.3370% | 7,577 |
| Retained earnings to average equity (ytd only) | -30.3370% | 7,551 |
| Net charge-offs to loans | 7.5636% | 110 |
| Credit loss provision to net charge-offs | 162.6486% | 2,226 |
| Earnings coverage of net charge-offs (x) | -0.3251% | 5,219 |
| Efficiency ratio | 224.1830% | 80 |
| Assets per employee ($millions) | 5.5147% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4383% | 79 |
| Loan loss allowance to noncurrent loans | 58.9358% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 11.6165% | 291 |
| Noncurrent loans to loans | 10.9242% | 366 |
| Net loans and leases to total assets | 57.8860% | 5,456 |
| Net loans and leases to deposits | 75.1593% | 4,551 |
| Net loans and leases to core deposits | 91.8493% | 3,127 |
| Total domestic deposits to total assets | 77.0179% | 6,558 |
| Equity capital to assets | 18.1717% | 408 |
| Core capital (leverage) ratio | 12.1288% | 1,581 |
| Tier 1 risk-based capital ratio | 14.7271% | 3,241 |
| Total risk-based capital ratio | 16.0266% | 3,179 |
| Memoranda: | ||
| Average total assets | $102,114,000 | 5,087 |
| Average earning assets | $79,807,000 | 5,511 |
| Average equity | $18,723,000 | 3,365 |
| Average total loans | $62,298,000 | 5,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 6,506 |
| Cost of funding earning assets | 2.8750% | 337 |
| Net interest margin | 2.1003% | 7,702 |
| Noninterest income to average assets | -1.0051% | 7,989 |
| Noninterest expense to average assets | 2.8231% | 4,875 |
| Loan and lease loss provision to assets | 8.0950% | 41 |
| Net operating income to assets | -6.2407% | 7,846 |
| Return on assets (ROA) | -6.2407% | 7,838 |
| Pretax return on assets | -10.1356% | 7,969 |
| Return on Equity (ROE) | -34.7540% | 7,485 |
| Retained earnings to average equity (ytd only) | -34.7540% | 7,473 |
| Net charge-offs to loans | 9.3393% | 46 |
| Credit loss provision to net charge-offs | 139.2919% | 3,515 |
| Earnings coverage of net charge-offs (x) | -0.3511% | 6,582 |
| Efficiency ratio | 359.5905% | 53 |
| Assets per employee ($millions) | 5.2482% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2388% | 149 |
| Loan loss allowance to noncurrent loans | 39.8028% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 11.8031% | 259 |
| Noncurrent loans to loans | 13.1620% | 232 |
| Net loans and leases to total assets | 57.0405% | 5,810 |
| Net loans and leases to deposits | 77.4390% | 4,481 |
| Net loans and leases to core deposits | 92.8306% | 4,801 |
| Total domestic deposits to total assets | 73.6586% | 7,062 |
| Equity capital to assets | 18.4901% | 409 |
| Core capital (leverage) ratio | 13.5650% | 1,079 |
| Tier 1 risk-based capital ratio | 17.2491% | 2,089 |
| Total risk-based capital ratio | 18.5221% | 2,046 |
| Memoranda: | ||
| Average total assets | $118,592,400 | 4,616 |
| Average earning assets | $100,937,600 | 4,815 |
| Average equity | $21,295,400 | 3,041 |
| Average total loans | $73,796,000 | 4,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 6,985 |
| Cost of funding earning assets | 3.0184% | 314 |
| Net interest margin | 1.8427% | 7,872 |
| Noninterest income to average assets | -0.8546% | 8,069 |
| Noninterest expense to average assets | 2.8437% | 4,704 |
| Loan and lease loss provision to assets | 6.2840% | 91 |
| Net operating income to assets | -5.5507% | 7,892 |
| Return on assets (ROA) | -5.5507% | 7,891 |
| Pretax return on assets | -8.3911% | 8,005 |
| Return on Equity (ROE) | -31.1102% | 7,636 |
| Retained earnings to average equity (ytd only) | -31.1102% | 7,619 |
| Net charge-offs to loans | 9.3497% | 56 |
| Credit loss provision to net charge-offs | 107.2561% | 4,741 |
| Earnings coverage of net charge-offs (x) | -0.3596% | 6,392 |
| Efficiency ratio | 384.8665% | 44 |
| Assets per employee ($millions) | 5.4061% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,447 |
| Loan loss allowance to noncurrent loans | 10.3911% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 10.6476% | 299 |
| Noncurrent loans to loans | 14.4308% | 164 |
| Net loans and leases to total assets | 57.3400% | 5,984 |
| Net loans and leases to deposits | 75.1776% | 5,186 |
| Net loans and leases to core deposits | 104.5080% | 3,872 |
| Total domestic deposits to total assets | 76.2728% | 6,538 |
| Equity capital to assets | 19.2508% | 394 |
| Core capital (leverage) ratio | 18.9010% | 385 |
| Tier 1 risk-based capital ratio | 26.0830% | 817 |
| Total risk-based capital ratio | 27.2960% | 800 |
| Memoranda: | ||
| Average total assets | $121,999,500 | 4,540 |
| Average earning assets | $105,352,250 | 4,726 |
| Average equity | $21,767,250 | 3,001 |
| Average total loans | $76,449,500 | 4,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 7,107 |
| Cost of funding earning assets | 3.1280% | 325 |
| Net interest margin | 1.7371% | 7,961 |
| Noninterest income to average assets | -0.6377% | 8,136 |
| Noninterest expense to average assets | 2.8424% | 4,768 |
| Loan and lease loss provision to assets | 7.6909% | 78 |
| Net operating income to assets | -6.4972% | 8,023 |
| Return on assets (ROA) | -6.4972% | 8,012 |
| Pretax return on assets | -9.6601% | 8,093 |
| Return on Equity (ROE) | -37.3079% | 7,817 |
| Retained earnings to average equity (ytd only) | -37.3079% | 7,800 |
| Net charge-offs to loans | 11.2661% | 42 |
| Credit loss provision to net charge-offs | 106.6430% | 4,323 |
| Earnings coverage of net charge-offs (x) | -0.2731% | 5,936 |
| Efficiency ratio | 324.4037% | 73 |
| Assets per employee ($millions) | 5.7837% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,538 |
| Loan loss allowance to noncurrent loans | 8.4682% | 7,520 |
| Noncurrent assets plus other real estate owned to assets | 11.2664% | 220 |
| Noncurrent loans to loans | 14.8780% | 138 |
| Net loans and leases to total assets | 58.3955% | 5,910 |
| Net loans and leases to deposits | 77.2757% | 4,980 |
| Net loans and leases to core deposits | 114.9213% | 2,817 |
| Total domestic deposits to total assets | 75.5677% | 6,642 |
| Equity capital to assets | 18.6394% | 489 |
| Core capital (leverage) ratio | 18.4452% | 463 |
| Tier 1 risk-based capital ratio | 23.6801% | 1,072 |
| Total risk-based capital ratio | 24.6401% | 1,076 |
| Memoranda: | ||
| Average total assets | $124,823,330 | 4,514 |
| Average earning assets | $108,569,330 | 4,668 |
| Average equity | $21,738,000 | 3,004 |
| Average total loans | $79,903,330 | 4,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 6,932 |
| Cost of funding earning assets | 3.2713% | 286 |
| Net interest margin | 1.7278% | 7,996 |
| Noninterest income to average assets | 0.0190% | 7,982 |
| Noninterest expense to average assets | 2.7319% | 4,863 |
| Loan and lease loss provision to assets | 2.3714% | 495 |
| Net operating income to assets | -2.4030% | 7,748 |
| Return on assets (ROA) | -2.4030% | 7,750 |
| Pretax return on assets | -3.5730% | 7,852 |
| Return on Equity (ROE) | -14.2807% | 7,576 |
| Retained earnings to average equity (ytd only) | -14.2807% | 7,397 |
| Net charge-offs to loans | 5.8328% | 167 |
| Credit loss provision to net charge-offs | 61.2745% | 4,495 |
| Earnings coverage of net charge-offs (x) | -0.3105% | 5,187 |
| Efficiency ratio | 177.8926% | 249 |
| Assets per employee ($millions) | 5.3840% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1746% | 8,130 |
| Loan loss allowance to noncurrent loans | 1.2859% | 7,572 |
| Noncurrent assets plus other real estate owned to assets | 11.0334% | 179 |
| Noncurrent loans to loans | 13.5788% | 132 |
| Net loans and leases to total assets | 62.3834% | 5,257 |
| Net loans and leases to deposits | 79.8237% | 4,643 |
| Net loans and leases to core deposits | 114.0428% | 3,005 |
| Total domestic deposits to total assets | 78.1515% | 5,958 |
| Equity capital to assets | 16.2076% | 836 |
| Core capital (leverage) ratio | 16.0050% | 783 |
| Tier 1 risk-based capital ratio | 19.7290% | 1,670 |
| Total risk-based capital ratio | 19.8640% | 1,854 |
| Memoranda: | ||
| Average total assets | $126,506,000 | 4,482 |
| Average earning assets | $110,658,500 | 4,622 |
| Average equity | $21,287,500 | 3,079 |
| Average total loans | $83,939,500 | 4,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 5,168 |
| Cost of funding earning assets | 3.0406% | 1,713 |
| Net interest margin | 3.0349% | 6,825 |
| Noninterest income to average assets | 0.0356% | 7,961 |
| Noninterest expense to average assets | 3.9282% | 1,517 |
| Loan and lease loss provision to assets | 3.1894% | 276 |
| Net operating income to assets | -2.8265% | 7,780 |
| Return on assets (ROA) | -2.8265% | 7,752 |
| Pretax return on assets | -4.4444% | 7,960 |
| Return on Equity (ROE) | -12.3953% | 7,453 |
| Retained earnings to average equity (ytd only) | -12.3953% | 7,277 |
| Net charge-offs to loans | 4.7164% | 113 |
| Credit loss provision to net charge-offs | 87.9466% | 5,722 |
| Earnings coverage of net charge-offs (x) | -0.3461% | 6,441 |
| Efficiency ratio | 146.1339% | 369 |
| Assets per employee ($millions) | 5.1581% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,793 |
| Loan loss allowance to noncurrent loans | 8.3709% | 7,522 |
| Noncurrent assets plus other real estate owned to assets | 9.5989% | 186 |
| Noncurrent loans to loans | 10.4478% | 192 |
| Net loans and leases to total assets | 69.7653% | 4,069 |
| Net loans and leases to deposits | 91.0678% | 3,281 |
| Net loans and leases to core deposits | 127.4173% | 2,048 |
| Total domestic deposits to total assets | 76.6081% | 6,094 |
| Equity capital to assets | 17.4740% | 719 |
| Core capital (leverage) ratio | 17.3035% | 667 |
| Tier 1 risk-based capital ratio | 21.2392% | 1,426 |
| Total risk-based capital ratio | 21.9971% | 1,471 |
| Memoranda: | ||
| Average total assets | $101,115,800 | 5,013 |
| Average earning assets | $87,878,400 | 5,153 |
| Average equity | $23,057,200 | 2,842 |
| Average total loans | $77,750,200 | 4,593 |