Home > Saehan Bank > Performance and Condition Ratios
Saehan Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 4,585 |
| Cost of funding earning assets | 0.7237% | 1,782 |
| Net interest margin | 3.1547% | 5,135 |
| Noninterest income to average assets | 0.9877% | 1,487 |
| Noninterest expense to average assets | 3.5889% | 1,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3948% | 5,263 |
| Return on assets (ROA) | 0.3956% | 5,399 |
| Pretax return on assets | 0.3970% | 5,629 |
| Return on Equity (ROE) | 2.8703% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.8703% | 4,609 |
| Net charge-offs to loans | 0.4174% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.3808% | 4,373 |
| Efficiency ratio | 90.0568% | 985 |
| Assets per employee ($millions) | 4.2590% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9304% | 595 |
| Loan loss allowance to noncurrent loans | 274.6142% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 2,345 |
| Noncurrent loans to loans | 1.0671% | 3,666 |
| Net loans and leases to total assets | 68.7001% | 2,199 |
| Net loans and leases to deposits | 79.9129% | 2,427 |
| Net loans and leases to core deposits | 91.6605% | 1,798 |
| Total domestic deposits to total assets | 85.9687% | 3,266 |
| Equity capital to assets | 13.4076% | 1,161 |
| Core capital (leverage) ratio | 13.8608% | 900 |
| Tier 1 risk-based capital ratio | 18.4904% | 2,145 |
| Total risk-based capital ratio | 19.7690% | 2,108 |
| Memoranda: | ||
| Average total assets | $571,004,750 | 1,174 |
| Average earning assets | $542,534,250 | 1,126 |
| Average equity | $78,688,250 | 919 |
| Average total loans | $392,590,000 | 1,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 4,611 |
| Cost of funding earning assets | 0.7581% | 1,658 |
| Net interest margin | 3.1041% | 5,263 |
| Noninterest income to average assets | 1.0262% | 1,448 |
| Noninterest expense to average assets | 3.6826% | 1,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2915% | 5,625 |
| Return on assets (ROA) | 0.2925% | 5,769 |
| Pretax return on assets | 0.2936% | 5,892 |
| Return on Equity (ROE) | 2.1030% | 5,920 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,932 |
| Net charge-offs to loans | 0.2981% | 1,990 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.4423% | 4,057 |
| Efficiency ratio | 92.6405% | 846 |
| Assets per employee ($millions) | 3.6308% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1577% | 498 |
| Loan loss allowance to noncurrent loans | 223.0942% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1244% | 2,030 |
| Noncurrent loans to loans | 1.4154% | 3,174 |
| Net loans and leases to total assets | 72.3569% | 1,516 |
| Net loans and leases to deposits | 85.0579% | 1,680 |
| Net loans and leases to core deposits | 96.2483% | 1,331 |
| Total domestic deposits to total assets | 85.0678% | 3,860 |
| Equity capital to assets | 14.2865% | 883 |
| Core capital (leverage) ratio | 14.7964% | 650 |
| Tier 1 risk-based capital ratio | 18.9536% | 2,006 |
| Total risk-based capital ratio | 20.2348% | 1,961 |
| Memoranda: | ||
| Average total assets | $564,007,000 | 1,189 |
| Average earning assets | $535,799,000 | 1,141 |
| Average equity | $78,460,000 | 926 |
| Average total loans | $383,793,000 | 1,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 5,308 |
| Cost of funding earning assets | 0.9170% | 905 |
| Net interest margin | 2.7320% | 6,163 |
| Noninterest income to average assets | 0.9037% | 1,749 |
| Noninterest expense to average assets | 3.3909% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1112% | 6,124 |
| Return on assets (ROA) | 0.1112% | 6,219 |
| Pretax return on assets | 0.1133% | 6,235 |
| Return on Equity (ROE) | 0.8099% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.8099% | 5,511 |
| Net charge-offs to loans | 0.5533% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3158% | 3,705 |
| Efficiency ratio | 96.7665% | 691 |
| Assets per employee ($millions) | 3.5641% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4344% | 445 |
| Loan loss allowance to noncurrent loans | 259.5167% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3979% | 3,174 |
| Noncurrent loans to loans | 1.3234% | 3,577 |
| Net loans and leases to total assets | 67.4409% | 2,115 |
| Net loans and leases to deposits | 79.3713% | 2,165 |
| Net loans and leases to core deposits | 90.1580% | 1,681 |
| Total domestic deposits to total assets | 84.9688% | 4,058 |
| Equity capital to assets | 14.5046% | 873 |
| Core capital (leverage) ratio | 13.3801% | 981 |
| Tier 1 risk-based capital ratio | 20.4128% | 1,671 |
| Total risk-based capital ratio | 21.6951% | 1,638 |
| Memoranda: | ||
| Average total assets | $571,887,500 | 1,188 |
| Average earning assets | $544,360,000 | 1,139 |
| Average equity | $78,527,500 | 936 |
| Average total loans | $370,875,000 | 1,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 5,951 |
| Cost of funding earning assets | 1.0263% | 1,222 |
| Net interest margin | 2.7220% | 6,489 |
| Noninterest income to average assets | 0.9368% | 1,754 |
| Noninterest expense to average assets | 3.4783% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0334% | 6,113 |
| Return on assets (ROA) | 0.1808% | 5,992 |
| Pretax return on assets | 0.1811% | 6,021 |
| Return on Equity (ROE) | 1.3915% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.3915% | 5,182 |
| Net charge-offs to loans | 1.0107% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0547% | 5,464 |
| Efficiency ratio | 99.0388% | 593 |
| Assets per employee ($millions) | 3.9869% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7169% | 351 |
| Loan loss allowance to noncurrent loans | 231.8002% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 3,205 |
| Noncurrent loans to loans | 1.6035% | 3,220 |
| Net loans and leases to total assets | 58.1186% | 3,959 |
| Net loans and leases to deposits | 67.2107% | 4,101 |
| Net loans and leases to core deposits | 84.7532% | 2,460 |
| Total domestic deposits to total assets | 86.4722% | 3,112 |
| Equity capital to assets | 13.0354% | 1,431 |
| Core capital (leverage) ratio | 12.9390% | 1,133 |
| Tier 1 risk-based capital ratio | 21.0964% | 1,436 |
| Total risk-based capital ratio | 22.3798% | 1,401 |
| Memoranda: | ||
| Average total assets | $601,332,200 | 1,105 |
| Average earning assets | $568,923,800 | 1,062 |
| Average equity | $78,115,400 | 899 |
| Average total loans | $367,453,800 | 1,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 5,969 |
| Cost of funding earning assets | 1.0574% | 1,245 |
| Net interest margin | 2.7643% | 6,560 |
| Noninterest income to average assets | 0.8530% | 2,013 |
| Noninterest expense to average assets | 3.4532% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0102% | 6,265 |
| Return on assets (ROA) | 0.2067% | 6,066 |
| Pretax return on assets | 0.2076% | 6,106 |
| Return on Equity (ROE) | 1.5926% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.5926% | 5,541 |
| Net charge-offs to loans | 1.1731% | 851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.0154% | 5,327 |
| Efficiency ratio | 99.6799% | 547 |
| Assets per employee ($millions) | 4.1781% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8436% | 349 |
| Loan loss allowance to noncurrent loans | 214.3690% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 3,588 |
| Noncurrent loans to loans | 1.7930% | 3,083 |
| Net loans and leases to total assets | 56.5554% | 4,365 |
| Net loans and leases to deposits | 64.9597% | 4,599 |
| Net loans and leases to core deposits | 81.7677% | 2,994 |
| Total domestic deposits to total assets | 87.0622% | 2,624 |
| Equity capital to assets | 12.6674% | 1,786 |
| Core capital (leverage) ratio | 12.6993% | 1,319 |
| Tier 1 risk-based capital ratio | 20.1063% | 1,727 |
| Total risk-based capital ratio | 21.3854% | 1,695 |
| Memoranda: | ||
| Average total assets | $601,158,250 | 1,112 |
| Average earning assets | $567,899,500 | 1,074 |
| Average equity | $78,025,000 | 906 |
| Average total loans | $368,468,000 | 1,146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 5,971 |
| Cost of funding earning assets | 1.0902% | 1,260 |
| Net interest margin | 2.7849% | 6,606 |
| Noninterest income to average assets | 0.7380% | 2,481 |
| Noninterest expense to average assets | 3.4681% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1051% | 6,441 |
| Return on assets (ROA) | 0.1602% | 6,192 |
| Pretax return on assets | 0.1609% | 6,208 |
| Return on Equity (ROE) | 1.2243% | 6,257 |
| Retained earnings to average equity (ytd only) | 1.2243% | 5,585 |
| Net charge-offs to loans | 0.7637% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2201% | 5,166 |
| Efficiency ratio | 103.1057% | 455 |
| Assets per employee ($millions) | 4.2521% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3014% | 271 |
| Loan loss allowance to noncurrent loans | 156.8877% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 2,760 |
| Noncurrent loans to loans | 2.7417% | 2,191 |
| Net loans and leases to total assets | 57.8416% | 4,190 |
| Net loans and leases to deposits | 67.1835% | 4,332 |
| Net loans and leases to core deposits | 85.2663% | 2,522 |
| Total domestic deposits to total assets | 86.0949% | 3,307 |
| Equity capital to assets | 12.8018% | 1,624 |
| Core capital (leverage) ratio | 12.8215% | 1,211 |
| Tier 1 risk-based capital ratio | 20.7292% | 1,528 |
| Total risk-based capital ratio | 22.0188% | 1,496 |
| Memoranda: | ||
| Average total assets | $595,425,330 | 1,121 |
| Average earning assets | $561,385,330 | 1,084 |
| Average equity | $77,923,330 | 899 |
| Average total loans | $370,059,670 | 1,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,494 |
| Cost of funding earning assets | 1.1078% | 1,363 |
| Net interest margin | 2.9821% | 6,332 |
| Noninterest income to average assets | 0.7129% | 2,597 |
| Noninterest expense to average assets | 3.3216% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1854% | 6,028 |
| Return on assets (ROA) | 0.1854% | 6,171 |
| Pretax return on assets | 0.1860% | 6,224 |
| Return on Equity (ROE) | 1.4006% | 6,255 |
| Retained earnings to average equity (ytd only) | 1.4006% | 5,537 |
| Net charge-offs to loans | 0.3361% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8782% | 3,889 |
| Efficiency ratio | 94.6961% | 787 |
| Assets per employee ($millions) | 4.6650% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7005% | 219 |
| Loan loss allowance to noncurrent loans | 147.5737% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 2.6503% | 2,232 |
| Noncurrent loans to loans | 3.1852% | 2,018 |
| Net loans and leases to total assets | 56.9665% | 4,223 |
| Net loans and leases to deposits | 66.3211% | 4,327 |
| Net loans and leases to core deposits | 84.4975% | 2,480 |
| Total domestic deposits to total assets | 85.8951% | 3,595 |
| Equity capital to assets | 12.9989% | 1,448 |
| Core capital (leverage) ratio | 13.2789% | 1,030 |
| Tier 1 risk-based capital ratio | 21.1434% | 1,462 |
| Total risk-based capital ratio | 22.4372% | 1,424 |
| Memoranda: | ||
| Average total assets | $589,115,500 | 1,139 |
| Average earning assets | $552,102,000 | 1,104 |
| Average equity | $77,964,500 | 893 |
| Average total loans | $371,334,000 | 1,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 4,295 |
| Cost of funding earning assets | 1.4780% | 780 |
| Net interest margin | 3.2100% | 6,063 |
| Noninterest income to average assets | 1.1712% | 959 |
| Noninterest expense to average assets | 3.7842% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4257% | 4,753 |
| Return on assets (ROA) | 0.4262% | 4,947 |
| Pretax return on assets | 0.4069% | 5,276 |
| Return on Equity (ROE) | 3.4534% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,765 |
| Net charge-offs to loans | 2.1417% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.2588% | 5,636 |
| Efficiency ratio | 90.3018% | 1,160 |
| Assets per employee ($millions) | 4.3670% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4970% | 257 |
| Loan loss allowance to noncurrent loans | 91.5767% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 4.1312% | 1,380 |
| Noncurrent loans to loans | 4.9106% | 1,161 |
| Net loans and leases to total assets | 63.4442% | 3,301 |
| Net loans and leases to deposits | 74.5134% | 3,414 |
| Net loans and leases to core deposits | 95.5225% | 1,542 |
| Total domestic deposits to total assets | 85.1447% | 3,766 |
| Equity capital to assets | 13.4798% | 1,273 |
| Core capital (leverage) ratio | 13.6365% | 914 |
| Tier 1 risk-based capital ratio | 18.6796% | 1,996 |
| Total risk-based capital ratio | 19.9625% | 1,946 |
| Memoranda: | ||
| Average total assets | $570,851,400 | 1,157 |
| Average earning assets | $536,942,600 | 1,112 |
| Average equity | $70,452,400 | 951 |
| Average total loans | $418,548,400 | 1,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 3,986 |
| Cost of funding earning assets | 1.5885% | 614 |
| Net interest margin | 3.2211% | 6,106 |
| Noninterest income to average assets | 1.3985% | 665 |
| Noninterest expense to average assets | 3.9197% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5399% | 4,364 |
| Return on assets (ROA) | 0.5406% | 4,544 |
| Pretax return on assets | 0.5149% | 5,118 |
| Return on Equity (ROE) | 4.4852% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.4852% | 3,531 |
| Net charge-offs to loans | 1.2246% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5593% | 5,211 |
| Efficiency ratio | 88.4037% | 1,305 |
| Assets per employee ($millions) | 4.3639% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6527% | 124 |
| Loan loss allowance to noncurrent loans | 108.6176% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 4.5040% | 1,332 |
| Noncurrent loans to loans | 5.2042% | 1,174 |
| Net loans and leases to total assets | 65.9954% | 2,899 |
| Net loans and leases to deposits | 77.7516% | 3,036 |
| Net loans and leases to core deposits | 99.6732% | 1,277 |
| Total domestic deposits to total assets | 84.8799% | 3,829 |
| Equity capital to assets | 13.7825% | 1,251 |
| Core capital (leverage) ratio | 13.8827% | 927 |
| Tier 1 risk-based capital ratio | 19.4216% | 1,836 |
| Total risk-based capital ratio | 20.7308% | 1,793 |
| Memoranda: | ||
| Average total assets | $569,452,250 | 1,169 |
| Average earning assets | $536,607,500 | 1,125 |
| Average equity | $68,639,500 | 986 |
| Average total loans | $427,449,500 | 990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 3,659 |
| Cost of funding earning assets | 1.7901% | 323 |
| Net interest margin | 3.1017% | 6,407 |
| Noninterest income to average assets | 1.4737% | 588 |
| Noninterest expense to average assets | 3.8907% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5150% | 4,437 |
| Return on assets (ROA) | 0.5161% | 4,573 |
| Pretax return on assets | 0.5164% | 5,006 |
| Return on Equity (ROE) | 4.4931% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.4931% | 3,334 |
| Net charge-offs to loans | 1.4795% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.4539% | 4,960 |
| Efficiency ratio | 88.3030% | 1,386 |
| Assets per employee ($millions) | 4.4400% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6828% | 129 |
| Loan loss allowance to noncurrent loans | 98.1894% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 5.4929% | 1,078 |
| Noncurrent loans to loans | 5.7876% | 1,056 |
| Net loans and leases to total assets | 69.7158% | 2,280 |
| Net loans and leases to deposits | 80.7189% | 2,661 |
| Net loans and leases to core deposits | 104.2927% | 1,025 |
| Total domestic deposits to total assets | 86.3685% | 3,117 |
| Equity capital to assets | 12.1472% | 2,000 |
| Core capital (leverage) ratio | 11.7485% | 1,748 |
| Tier 1 risk-based capital ratio | 15.8782% | 3,043 |
| Total risk-based capital ratio | 17.1861% | 2,978 |
| Memoranda: | ||
| Average total assets | $571,621,330 | 1,170 |
| Average earning assets | $540,405,000 | 1,123 |
| Average equity | $65,656,670 | 1,031 |
| Average total loans | $438,673,670 | 979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 3,406 |
| Cost of funding earning assets | 1.8482% | 317 |
| Net interest margin | 3.0837% | 6,387 |
| Noninterest income to average assets | 1.4066% | 652 |
| Noninterest expense to average assets | 3.6641% | 1,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6599% | 3,706 |
| Return on assets (ROA) | 0.6619% | 3,771 |
| Pretax return on assets | 0.6626% | 4,448 |
| Return on Equity (ROE) | 5.9220% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.9220% | 2,685 |
| Net charge-offs to loans | 1.9633% | 652 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4310% | 4,299 |
| Efficiency ratio | 84.7262% | 1,874 |
| Assets per employee ($millions) | 4.6313% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5083% | 138 |
| Loan loss allowance to noncurrent loans | 74.6796% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 6.6447% | 825 |
| Noncurrent loans to loans | 7.3759% | 713 |
| Net loans and leases to total assets | 70.9576% | 1,939 |
| Net loans and leases to deposits | 82.4169% | 2,288 |
| Net loans and leases to core deposits | 109.4937% | 756 |
| Total domestic deposits to total assets | 86.0960% | 3,467 |
| Equity capital to assets | 11.3654% | 2,368 |
| Core capital (leverage) ratio | 11.2241% | 2,015 |
| Tier 1 risk-based capital ratio | 14.3988% | 3,809 |
| Total risk-based capital ratio | 15.7043% | 3,730 |
| Memoranda: | ||
| Average total assets | $584,372,500 | 1,147 |
| Average earning assets | $552,975,000 | 1,101 |
| Average equity | $65,316,000 | 1,023 |
| Average total loans | $456,175,000 | 962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 4,070 |
| Cost of funding earning assets | 2.2468% | 261 |
| Net interest margin | 2.8594% | 6,959 |
| Noninterest income to average assets | -0.2548% | 7,493 |
| Noninterest expense to average assets | 3.5985% | 1,930 |
| Loan and lease loss provision to assets | 1.9814% | 666 |
| Net operating income to assets | -3.1827% | 7,331 |
| Return on assets (ROA) | -3.1748% | 7,346 |
| Pretax return on assets | -3.1768% | 7,325 |
| Return on Equity (ROE) | -32.7271% | 7,264 |
| Retained earnings to average equity (ytd only) | -32.7271% | 7,254 |
| Net charge-offs to loans | 5.4881% | 130 |
| Credit loss provision to net charge-offs | 44.8837% | 6,328 |
| Earnings coverage of net charge-offs (x) | -0.2726% | 6,339 |
| Efficiency ratio | 150.2339% | 211 |
| Assets per employee ($millions) | 4.5723% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4824% | 145 |
| Loan loss allowance to noncurrent loans | 63.1344% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 8.2325% | 589 |
| Noncurrent loans to loans | 8.6837% | 552 |
| Net loans and leases to total assets | 76.5364% | 1,174 |
| Net loans and leases to deposits | 91.6214% | 1,305 |
| Net loans and leases to core deposits | 122.9659% | 449 |
| Total domestic deposits to total assets | 83.5355% | 4,588 |
| Equity capital to assets | 10.9923% | 2,693 |
| Core capital (leverage) ratio | 10.2216% | 2,840 |
| Tier 1 risk-based capital ratio | 13.2395% | 4,420 |
| Total risk-based capital ratio | 14.5419% | 4,335 |
| Memoranda: | ||
| Average total assets | $651,496,600 | 1,025 |
| Average earning assets | $603,796,800 | 1,005 |
| Average equity | $63,201,400 | 1,056 |
| Average total loans | $524,063,200 | 858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 4,418 |
| Cost of funding earning assets | 1.8693% | 1,141 |
| Net interest margin | 3.2126% | 6,302 |
| Noninterest income to average assets | -0.1665% | 7,575 |
| Noninterest expense to average assets | 3.7021% | 1,560 |
| Loan and lease loss provision to assets | 1.2985% | 1,071 |
| Net operating income to assets | -2.2335% | 7,288 |
| Return on assets (ROA) | -2.2233% | 7,303 |
| Pretax return on assets | -2.1939% | 7,249 |
| Return on Equity (ROE) | -23.6136% | 7,288 |
| Retained earnings to average equity (ytd only) | -23.6136% | 7,278 |
| Net charge-offs to loans | 4.5532% | 217 |
| Credit loss provision to net charge-offs | 35.5054% | 6,088 |
| Earnings coverage of net charge-offs (x) | -0.2476% | 6,213 |
| Efficiency ratio | 132.3849% | 282 |
| Assets per employee ($millions) | 5.1461% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0222% | 109 |
| Loan loss allowance to noncurrent loans | 64.6699% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 8.6306% | 549 |
| Noncurrent loans to loans | 9.3122% | 493 |
| Net loans and leases to total assets | 69.9981% | 2,732 |
| Net loans and leases to deposits | 83.0766% | 2,893 |
| Net loans and leases to core deposits | 132.7959% | 339 |
| Total domestic deposits to total assets | 84.2573% | 3,979 |
| Equity capital to assets | 11.1458% | 2,820 |
| Core capital (leverage) ratio | 10.9187% | 2,320 |
| Tier 1 risk-based capital ratio | 14.0987% | 3,767 |
| Total risk-based capital ratio | 15.4064% | 3,689 |
| Memoranda: | ||
| Average total assets | $666,912,750 | 1,001 |
| Average earning assets | $615,107,750 | 991 |
| Average equity | $62,792,750 | 1,069 |
| Average total loans | $535,673,750 | 845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 4,085 |
| Cost of funding earning assets | 1.9003% | 1,234 |
| Net interest margin | 3.2715% | 6,105 |
| Noninterest income to average assets | -0.4367% | 7,739 |
| Noninterest expense to average assets | 3.6295% | 1,708 |
| Loan and lease loss provision to assets | 1.5100% | 878 |
| Net operating income to assets | -2.6296% | 7,442 |
| Return on assets (ROA) | -2.6158% | 7,450 |
| Pretax return on assets | -2.5601% | 7,379 |
| Return on Equity (ROE) | -29.6229% | 7,432 |
| Retained earnings to average equity (ytd only) | -29.6229% | 7,416 |
| Net charge-offs to loans | 5.8165% | 144 |
| Credit loss provision to net charge-offs | 31.5455% | 5,710 |
| Earnings coverage of net charge-offs (x) | -0.2223% | 5,882 |
| Efficiency ratio | 141.4711% | 246 |
| Assets per employee ($millions) | 5.3290% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0104% | 103 |
| Loan loss allowance to noncurrent loans | 71.9832% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 7.8782% | 629 |
| Noncurrent loans to loans | 8.3497% | 607 |
| Net loans and leases to total assets | 71.9760% | 2,409 |
| Net loans and leases to deposits | 85.8443% | 2,531 |
| Net loans and leases to core deposits | 137.4159% | 316 |
| Total domestic deposits to total assets | 83.8448% | 4,177 |
| Equity capital to assets | 10.8667% | 3,002 |
| Core capital (leverage) ratio | 11.1022% | 2,164 |
| Tier 1 risk-based capital ratio | 13.1843% | 4,292 |
| Total risk-based capital ratio | 14.4906% | 4,215 |
| Memoranda: | ||
| Average total assets | $664,503,670 | 1,018 |
| Average earning assets | $609,804,330 | 1,009 |
| Average equity | $58,677,670 | 1,131 |
| Average total loans | $546,857,000 | 839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 4,269 |
| Cost of funding earning assets | 1.9795% | 1,159 |
| Net interest margin | 3.1765% | 6,361 |
| Noninterest income to average assets | -0.2102% | 7,807 |
| Noninterest expense to average assets | 3.1612% | 3,007 |
| Loan and lease loss provision to assets | 3.0482% | 323 |
| Net operating income to assets | -3.5190% | 7,684 |
| Return on assets (ROA) | -3.4996% | 7,680 |
| Pretax return on assets | -3.4996% | 7,639 |
| Return on Equity (ROE) | -44.9609% | 7,685 |
| Retained earnings to average equity (ytd only) | -44.9609% | 7,673 |
| Net charge-offs to loans | 7.2223% | 122 |
| Credit loss provision to net charge-offs | 49.5164% | 4,497 |
| Earnings coverage of net charge-offs (x) | -0.0765% | 5,082 |
| Efficiency ratio | 117.5023% | 474 |
| Assets per employee ($millions) | 5.0725% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7500% | 67 |
| Loan loss allowance to noncurrent loans | 79.1078% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 8.9740% | 501 |
| Noncurrent loans to loans | 8.5327% | 602 |
| Net loans and leases to total assets | 78.5602% | 1,048 |
| Net loans and leases to deposits | 95.2389% | 1,198 |
| Net loans and leases to core deposits | 156.9415% | 201 |
| Total domestic deposits to total assets | 82.4875% | 4,858 |
| Equity capital to assets | 11.6974% | 2,231 |
| Core capital (leverage) ratio | 11.6632% | 1,824 |
| Tier 1 risk-based capital ratio | 13.2956% | 4,131 |
| Total risk-based capital ratio | 14.6137% | 4,037 |
| Memoranda: | ||
| Average total assets | $658,365,000 | 1,048 |
| Average earning assets | $601,169,000 | 1,043 |
| Average equity | $51,244,500 | 1,306 |
| Average total loans | $561,150,500 | 842 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 6,922 |
| Cost of funding earning assets | 2.6622% | 649 |
| Net interest margin | 2.1512% | 7,671 |
| Noninterest income to average assets | 0.1634% | 6,907 |
| Noninterest expense to average assets | 2.8494% | 4,751 |
| Loan and lease loss provision to assets | 6.0504% | 109 |
| Net operating income to assets | -6.6536% | 7,876 |
| Return on assets (ROA) | -6.6114% | 7,864 |
| Pretax return on assets | -6.7050% | 7,847 |
| Return on Equity (ROE) | -92.3815% | 7,911 |
| Retained earnings to average equity (ytd only) | -92.3815% | 7,909 |
| Net charge-offs to loans | 4.6755% | 300 |
| Credit loss provision to net charge-offs | 164.2638% | 2,658 |
| Earnings coverage of net charge-offs (x) | -0.1893% | 6,429 |
| Efficiency ratio | 132.3983% | 453 |
| Assets per employee ($millions) | 4.8719% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3069% | 56 |
| Loan loss allowance to noncurrent loans | 80.0156% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 10.4250% | 339 |
| Noncurrent loans to loans | 9.1318% | 487 |
| Net loans and leases to total assets | 79.8961% | 1,012 |
| Net loans and leases to deposits | 92.4821% | 1,820 |
| Net loans and leases to core deposits | 108.6333% | 3,038 |
| Total domestic deposits to total assets | 86.3909% | 2,819 |
| Equity capital to assets | 3.9764% | 7,862 |
| Core capital (leverage) ratio | 3.4596% | 7,879 |
| Tier 1 risk-based capital ratio | 4.3419% | 7,897 |
| Total risk-based capital ratio | 5.6661% | 7,899 |
| Memoranda: | ||
| Average total assets | $839,867,400 | 806 |
| Average earning assets | $776,437,400 | 795 |
| Average equity | $60,106,200 | 1,104 |
| Average total loans | $661,647,400 | 705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 7,293 |
| Cost of funding earning assets | 2.7235% | 737 |
| Net interest margin | 1.9714% | 7,830 |
| Noninterest income to average assets | 0.4294% | 5,055 |
| Noninterest expense to average assets | 2.6656% | 5,468 |
| Loan and lease loss provision to assets | 7.1735% | 64 |
| Net operating income to assets | -4.4227% | 7,789 |
| Return on assets (ROA) | -4.4204% | 7,792 |
| Pretax return on assets | -7.5768% | 7,984 |
| Return on Equity (ROE) | -56.9817% | 7,882 |
| Retained earnings to average equity (ytd only) | -56.9817% | 7,879 |
| Net charge-offs to loans | 5.1708% | 205 |
| Credit loss provision to net charge-offs | 179.2882% | 2,562 |
| Earnings coverage of net charge-offs (x) | -0.1017% | 6,185 |
| Efficiency ratio | 118.0171% | 624 |
| Assets per employee ($millions) | 6.0090% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0642% | 49 |
| Loan loss allowance to noncurrent loans | 76.8065% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 7.6373% | 582 |
| Noncurrent loans to loans | 9.1974% | 472 |
| Net loans and leases to total assets | 68.4821% | 3,849 |
| Net loans and leases to deposits | 79.7229% | 4,437 |
| Net loans and leases to core deposits | 94.8687% | 4,943 |
| Total domestic deposits to total assets | 85.9001% | 2,747 |
| Equity capital to assets | 6.4061% | 7,784 |
| Core capital (leverage) ratio | 3.6488% | 7,999 |
| Tier 1 risk-based capital ratio | 4.9905% | 7,994 |
| Total risk-based capital ratio | 6.3109% | 7,996 |
| Memoranda: | ||
| Average total assets | $882,970,250 | 774 |
| Average earning assets | $819,306,000 | 755 |
| Average equity | $68,497,500 | 974 |
| Average total loans | $683,232,250 | 700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6894% | 7,405 |
| Cost of funding earning assets | 2.6710% | 1,106 |
| Net interest margin | 2.0183% | 7,855 |
| Noninterest income to average assets | 0.1199% | 7,392 |
| Noninterest expense to average assets | 2.5688% | 5,866 |
| Loan and lease loss provision to assets | 7.7982% | 74 |
| Net operating income to assets | -4.8758% | 7,920 |
| Return on assets (ROA) | -4.8744% | 7,919 |
| Pretax return on assets | -8.3625% | 8,060 |
| Return on Equity (ROE) | -59.6447% | 7,970 |
| Retained earnings to average equity (ytd only) | -59.6447% | 7,965 |
| Net charge-offs to loans | 4.1174% | 334 |
| Credit loss provision to net charge-offs | 241.2334% | 1,925 |
| Earnings coverage of net charge-offs (x) | -0.1753% | 5,867 |
| Efficiency ratio | 128.2958% | 540 |
| Assets per employee ($millions) | 6.5402% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3578% | 66 |
| Loan loss allowance to noncurrent loans | 73.2042% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 7.0549% | 595 |
| Noncurrent loans to loans | 8.6850% | 465 |
| Net loans and leases to total assets | 66.3519% | 4,497 |
| Net loans and leases to deposits | 78.0977% | 4,852 |
| Net loans and leases to core deposits | 94.2052% | 5,092 |
| Total domestic deposits to total assets | 84.9601% | 3,284 |
| Equity capital to assets | 6.3582% | 7,850 |
| Core capital (leverage) ratio | 4.8408% | 8,038 |
| Tier 1 risk-based capital ratio | 6.3738% | 8,038 |
| Total risk-based capital ratio | 7.6843% | 8,043 |
| Memoranda: | ||
| Average total assets | $900,878,670 | 779 |
| Average earning assets | $840,198,000 | 753 |
| Average equity | $73,622,670 | 904 |
| Average total loans | $707,293,000 | 694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 7,224 |
| Cost of funding earning assets | 2.4142% | 2,234 |
| Net interest margin | 2.4643% | 7,542 |
| Noninterest income to average assets | 0.1934% | 6,912 |
| Noninterest expense to average assets | 2.3202% | 6,467 |
| Loan and lease loss provision to assets | 0.1049% | 5,627 |
| Net operating income to assets | 0.0657% | 6,079 |
| Return on assets (ROA) | 0.0657% | 6,237 |
| Pretax return on assets | 0.0775% | 6,216 |
| Return on Equity (ROE) | 0.7174% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.7174% | 5,374 |
| Net charge-offs to loans | 0.5220% | 2,156 |
| Credit loss provision to net charge-offs | 24.3129% | 5,020 |
| Earnings coverage of net charge-offs (x) | 0.4228% | 4,652 |
| Efficiency ratio | 92.7114% | 1,525 |
| Assets per employee ($millions) | 6.4713% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9884% | 484 |
| Loan loss allowance to noncurrent loans | 38.8642% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 6.5341% | 565 |
| Noncurrent loans to loans | 7.6893% | 486 |
| Net loans and leases to total assets | 76.2821% | 2,212 |
| Net loans and leases to deposits | 92.5777% | 2,501 |
| Net loans and leases to core deposits | 117.4464% | 2,644 |
| Total domestic deposits to total assets | 82.3979% | 4,410 |
| Equity capital to assets | 8.8191% | 5,588 |
| Core capital (leverage) ratio | 9.7658% | 3,673 |
| Tier 1 risk-based capital ratio | 10.3497% | 6,542 |
| Total risk-based capital ratio | 11.6199% | 6,440 |
| Memoranda: | ||
| Average total assets | $877,150,000 | 802 |
| Average earning assets | $821,969,500 | 775 |
| Average equity | $80,285,500 | 821 |
| Average total loans | $724,959,000 | 686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4378% | 3,234 |
| Cost of funding earning assets | 2.9764% | 1,956 |
| Net interest margin | 3.4614% | 5,434 |
| Noninterest income to average assets | 0.6116% | 3,764 |
| Noninterest expense to average assets | 2.7054% | 5,242 |
| Loan and lease loss provision to assets | 3.4639% | 236 |
| Net operating income to assets | -1.3204% | 7,399 |
| Return on assets (ROA) | -1.3204% | 7,340 |
| Pretax return on assets | -2.2863% | 7,529 |
| Return on Equity (ROE) | -14.3905% | 7,559 |
| Retained earnings to average equity (ytd only) | -14.3905% | 7,420 |
| Net charge-offs to loans | 2.1627% | 485 |
| Credit loss provision to net charge-offs | 187.5929% | 2,640 |
| Earnings coverage of net charge-offs (x) | 0.6377% | 5,842 |
| Efficiency ratio | 69.6736% | 4,412 |
| Assets per employee ($millions) | 5.6500% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0251% | 424 |
| Loan loss allowance to noncurrent loans | 52.7397% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 5.5149% | 586 |
| Noncurrent loans to loans | 5.7359% | 662 |
| Net loans and leases to total assets | 84.3718% | 825 |
| Net loans and leases to deposits | 111.6752% | 726 |
| Net loans and leases to core deposits | 151.2723% | 808 |
| Total domestic deposits to total assets | 75.5511% | 6,332 |
| Equity capital to assets | 9.5149% | 4,671 |
| Core capital (leverage) ratio | 9.5535% | 3,940 |
| Tier 1 risk-based capital ratio | 10.1589% | 6,567 |
| Total risk-based capital ratio | 11.4290% | 6,406 |
| Memoranda: | ||
| Average total assets | $859,898,800 | 792 |
| Average earning assets | $812,715,800 | 748 |
| Average equity | $78,899,200 | 842 |
| Average total loans | $734,191,800 | 654 |