Home > Saugusbank, a Co-operative bank > Performance and Condition Ratios
Saugusbank, a Co-operative bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,782 |
| Cost of funding earning assets | 0.6818% | 1,299 |
| Net interest margin | 3.0431% | 5,412 |
| Noninterest income to average assets | 0.3884% | 4,331 |
| Noninterest expense to average assets | 2.8551% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1814% | 5,888 |
| Return on assets (ROA) | 0.2731% | 5,727 |
| Pretax return on assets | 0.4649% | 5,377 |
| Return on Equity (ROE) | 3.0466% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.0466% | 4,268 |
| Net charge-offs to loans | -0.1734% | 6,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8780% | 929 |
| Assets per employee ($millions) | 5.2730% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,090 |
| Loan loss allowance to noncurrent loans | 139.5851% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 3,984 |
| Noncurrent loans to loans | 0.9024% | 3,447 |
| Net loans and leases to total assets | 64.1160% | 3,059 |
| Net loans and leases to deposits | 78.1313% | 2,786 |
| Net loans and leases to core deposits | 82.9822% | 2,858 |
| Total domestic deposits to total assets | 82.0619% | 4,626 |
| Equity capital to assets | 9.0841% | 5,217 |
| Core capital (leverage) ratio | 8.8596% | 5,220 |
| Tier 1 risk-based capital ratio | 13.1220% | 4,837 |
| Total risk-based capital ratio | 14.3358% | 4,796 |
| Memoranda: | ||
| Average total assets | $206,506,670 | 2,960 |
| Average earning assets | $189,216,000 | 2,963 |
| Average equity | $18,512,330 | 3,363 |
| Average total loans | $131,483,670 | 2,847 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,795 |
| Cost of funding earning assets | 0.7011% | 1,239 |
| Net interest margin | 3.0136% | 5,489 |
| Noninterest income to average assets | 0.3692% | 4,434 |
| Noninterest expense to average assets | 2.9439% | 3,070 |
| Loan and lease loss provision to assets | -0.0019% | 6,367 |
| Net operating income to assets | 0.1396% | 5,948 |
| Return on assets (ROA) | 0.2146% | 5,813 |
| Pretax return on assets | 0.2841% | 5,755 |
| Return on Equity (ROE) | 2.4094% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,629 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1286% | 742 |
| Assets per employee ($millions) | 5.1911% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 4,687 |
| Loan loss allowance to noncurrent loans | 129.7185% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 4,131 |
| Noncurrent loans to loans | 0.9166% | 3,594 |
| Net loans and leases to total assets | 62.7152% | 3,119 |
| Net loans and leases to deposits | 76.1921% | 2,794 |
| Net loans and leases to core deposits | 79.2800% | 3,059 |
| Total domestic deposits to total assets | 82.3119% | 4,848 |
| Equity capital to assets | 8.8980% | 5,227 |
| Core capital (leverage) ratio | 8.6979% | 5,385 |
| Tier 1 risk-based capital ratio | 13.0157% | 4,997 |
| Total risk-based capital ratio | 14.1564% | 4,998 |
| Memoranda: | ||
| Average total assets | $206,937,000 | 2,972 |
| Average earning assets | $189,405,500 | 2,980 |
| Average equity | $18,428,000 | 3,364 |
| Average total loans | $130,458,500 | 2,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,990 |
| Cost of funding earning assets | 0.8267% | 1,054 |
| Net interest margin | 2.9195% | 5,751 |
| Noninterest income to average assets | 0.4765% | 3,916 |
| Noninterest expense to average assets | 2.6971% | 4,109 |
| Loan and lease loss provision to assets | 0.0614% | 3,913 |
| Net operating income to assets | 0.2978% | 5,534 |
| Return on assets (ROA) | 0.3095% | 5,585 |
| Pretax return on assets | 0.4290% | 5,412 |
| Return on Equity (ROE) | 3.5646% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.5646% | 3,679 |
| Net charge-offs to loans | 0.3977% | 1,699 |
| Credit loss provision to net charge-offs | 25.8065% | 4,334 |
| Earnings coverage of net charge-offs (x) | 1.9919% | 4,382 |
| Efficiency ratio | 85.0484% | 1,512 |
| Assets per employee ($millions) | 5.1558% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,580 |
| Loan loss allowance to noncurrent loans | 69.1663% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1817% | 3,035 |
| Noncurrent loans to loans | 1.7556% | 2,297 |
| Net loans and leases to total assets | 61.8522% | 3,388 |
| Net loans and leases to deposits | 75.1523% | 3,074 |
| Net loans and leases to core deposits | 77.9958% | 3,366 |
| Total domestic deposits to total assets | 82.3025% | 4,765 |
| Equity capital to assets | 8.9123% | 5,141 |
| Core capital (leverage) ratio | 8.5724% | 5,578 |
| Tier 1 risk-based capital ratio | 12.9465% | 5,017 |
| Total risk-based capital ratio | 14.0890% | 5,033 |
| Memoranda: | ||
| Average total assets | $208,373,400 | 2,931 |
| Average earning assets | $192,324,200 | 2,923 |
| Average equity | $18,094,600 | 3,404 |
| Average total loans | $124,707,000 | 2,947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,969 |
| Cost of funding earning assets | 0.8398% | 1,100 |
| Net interest margin | 2.9285% | 5,746 |
| Noninterest income to average assets | 0.4965% | 3,833 |
| Noninterest expense to average assets | 2.7061% | 4,000 |
| Loan and lease loss provision to assets | 0.0638% | 3,777 |
| Net operating income to assets | 0.3113% | 5,581 |
| Return on assets (ROA) | 0.3249% | 5,640 |
| Pretax return on assets | 0.4544% | 5,486 |
| Return on Equity (ROE) | 3.7654% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.7654% | 4,008 |
| Net charge-offs to loans | 0.5350% | 1,195 |
| Credit loss provision to net charge-offs | 20.1613% | 4,073 |
| Earnings coverage of net charge-offs (x) | 1.5766% | 4,312 |
| Efficiency ratio | 84.4285% | 1,545 |
| Assets per employee ($millions) | 5.3286% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,694 |
| Loan loss allowance to noncurrent loans | 89.5349% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 3,859 |
| Noncurrent loans to loans | 1.3842% | 3,099 |
| Net loans and leases to total assets | 59.0520% | 3,848 |
| Net loans and leases to deposits | 72.1473% | 3,495 |
| Net loans and leases to core deposits | 74.8917% | 3,747 |
| Total domestic deposits to total assets | 81.8492% | 4,979 |
| Equity capital to assets | 8.7756% | 5,443 |
| Core capital (leverage) ratio | 8.5095% | 5,759 |
| Tier 1 risk-based capital ratio | 13.2060% | 4,981 |
| Total risk-based capital ratio | 14.3581% | 5,000 |
| Memoranda: | ||
| Average total assets | $208,908,750 | 2,946 |
| Average earning assets | $193,224,250 | 2,934 |
| Average equity | $18,023,250 | 3,453 |
| Average total loans | $123,602,000 | 2,984 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 4,771 |
| Cost of funding earning assets | 0.8497% | 1,139 |
| Net interest margin | 2.9669% | 5,655 |
| Noninterest income to average assets | 0.5046% | 3,798 |
| Noninterest expense to average assets | 2.7017% | 4,026 |
| Loan and lease loss provision to assets | 0.0726% | 3,587 |
| Net operating income to assets | 0.3352% | 5,468 |
| Return on assets (ROA) | 0.3555% | 5,565 |
| Pretax return on assets | 0.5017% | 5,370 |
| Return on Equity (ROE) | 4.1444% | 5,153 |
| Retained earnings to average equity (ytd only) | 4.1444% | 3,647 |
| Net charge-offs to loans | 0.3988% | 1,619 |
| Credit loss provision to net charge-offs | 30.8943% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.3211% | 3,750 |
| Efficiency ratio | 83.1960% | 1,732 |
| Assets per employee ($millions) | 5.0123% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 3,971 |
| Loan loss allowance to noncurrent loans | 97.8936% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 3,913 |
| Noncurrent loans to loans | 1.4441% | 3,137 |
| Net loans and leases to total assets | 58.5003% | 3,906 |
| Net loans and leases to deposits | 71.1968% | 3,562 |
| Net loans and leases to core deposits | 73.8888% | 3,826 |
| Total domestic deposits to total assets | 82.1671% | 4,998 |
| Equity capital to assets | 8.5980% | 5,671 |
| Core capital (leverage) ratio | 8.4228% | 5,750 |
| Tier 1 risk-based capital ratio | 13.0984% | 5,073 |
| Total risk-based capital ratio | 14.3495% | 5,018 |
| Memoranda: | ||
| Average total assets | $209,273,330 | 2,959 |
| Average earning assets | $193,470,000 | 2,952 |
| Average equity | $17,952,000 | 3,492 |
| Average total loans | $123,383,000 | 2,999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,623 |
| Cost of funding earning assets | 0.8696% | 1,147 |
| Net interest margin | 2.9886% | 5,602 |
| Noninterest income to average assets | 0.4889% | 3,856 |
| Noninterest expense to average assets | 2.6877% | 4,114 |
| Loan and lease loss provision to assets | 0.0844% | 3,248 |
| Net operating income to assets | 0.3461% | 5,370 |
| Return on assets (ROA) | 0.3489% | 5,498 |
| Pretax return on assets | 0.4812% | 5,313 |
| Return on Equity (ROE) | 4.0720% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.0720% | 3,778 |
| Net charge-offs to loans | 0.8025% | 762 |
| Credit loss provision to net charge-offs | 17.8862% | 3,069 |
| Earnings coverage of net charge-offs (x) | 1.1911% | 3,429 |
| Efficiency ratio | 82.7139% | 1,930 |
| Assets per employee ($millions) | 4.9723% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,336 |
| Loan loss allowance to noncurrent loans | 74.1660% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 3,569 |
| Noncurrent loans to loans | 1.8600% | 2,786 |
| Net loans and leases to total assets | 59.3612% | 3,545 |
| Net loans and leases to deposits | 72.3823% | 3,132 |
| Net loans and leases to core deposits | 75.1411% | 3,449 |
| Total domestic deposits to total assets | 82.0107% | 5,184 |
| Equity capital to assets | 8.6063% | 5,911 |
| Core capital (leverage) ratio | 8.3252% | 5,791 |
| Tier 1 risk-based capital ratio | 12.8362% | 5,350 |
| Total risk-based capital ratio | 14.0870% | 5,299 |
| Memoranda: | ||
| Average total assets | $208,652,500 | 2,991 |
| Average earning assets | $192,730,000 | 2,980 |
| Average equity | $17,878,000 | 3,542 |
| Average total loans | $122,615,500 | 3,035 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 4,681 |
| Cost of funding earning assets | 1.0598% | 1,076 |
| Net interest margin | 3.1133% | 5,785 |
| Noninterest income to average assets | 0.4780% | 4,048 |
| Noninterest expense to average assets | 2.5460% | 4,941 |
| Loan and lease loss provision to assets | -0.0005% | 6,807 |
| Net operating income to assets | 0.5354% | 4,543 |
| Return on assets (ROA) | 0.5406% | 4,773 |
| Pretax return on assets | 0.8006% | 4,292 |
| Return on Equity (ROE) | 6.5253% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.5253% | 1,809 |
| Net charge-offs to loans | 0.0561% | 5,149 |
| Credit loss provision to net charge-offs | -1.4706% | 6,197 |
| Earnings coverage of net charge-offs (x) | 24.1618% | 1,186 |
| Efficiency ratio | 76.2641% | 2,702 |
| Assets per employee ($millions) | 4.8481% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 3,219 |
| Loan loss allowance to noncurrent loans | 89.6296% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 3,787 |
| Noncurrent loans to loans | 1.8071% | 2,908 |
| Net loans and leases to total assets | 56.4081% | 4,222 |
| Net loans and leases to deposits | 69.4614% | 3,774 |
| Net loans and leases to core deposits | 72.2499% | 4,010 |
| Total domestic deposits to total assets | 81.2078% | 5,337 |
| Equity capital to assets | 8.5302% | 6,025 |
| Core capital (leverage) ratio | 8.2251% | 5,970 |
| Tier 1 risk-based capital ratio | 13.3428% | 4,864 |
| Total risk-based capital ratio | 14.5959% | 4,817 |
| Memoranda: | ||
| Average total assets | $207,343,400 | 2,957 |
| Average earning assets | $190,503,200 | 2,950 |
| Average equity | $17,179,200 | 3,591 |
| Average total loans | $121,111,200 | 3,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 4,568 |
| Cost of funding earning assets | 1.0874% | 1,112 |
| Net interest margin | 3.1849% | 5,734 |
| Noninterest income to average assets | 0.4282% | 4,423 |
| Noninterest expense to average assets | 2.5029% | 5,074 |
| Loan and lease loss provision to assets | -0.0006% | 6,937 |
| Net operating income to assets | 0.5694% | 4,525 |
| Return on assets (ROA) | 0.5763% | 4,766 |
| Pretax return on assets | 0.8596% | 4,266 |
| Return on Equity (ROE) | 7.0078% | 3,812 |
| Retained earnings to average equity (ytd only) | 7.0078% | 2,125 |
| Net charge-offs to loans | 0.0746% | 4,662 |
| Credit loss provision to net charge-offs | -1.4706% | 6,079 |
| Earnings coverage of net charge-offs (x) | 19.3833% | 1,501 |
| Efficiency ratio | 74.6782% | 2,877 |
| Assets per employee ($millions) | 4.9295% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 3,496 |
| Loan loss allowance to noncurrent loans | 78.5077% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 3,747 |
| Noncurrent loans to loans | 2.0450% | 2,800 |
| Net loans and leases to total assets | 57.3070% | 4,242 |
| Net loans and leases to deposits | 70.5392% | 3,824 |
| Net loans and leases to core deposits | 73.1588% | 4,091 |
| Total domestic deposits to total assets | 81.2414% | 5,283 |
| Equity capital to assets | 8.4703% | 6,295 |
| Core capital (leverage) ratio | 8.2271% | 6,108 |
| Tier 1 risk-based capital ratio | 13.0659% | 5,195 |
| Total risk-based capital ratio | 14.3188% | 5,149 |
| Memoranda: | ||
| Average total assets | $207,061,750 | 2,998 |
| Average earning assets | $190,058,750 | 2,990 |
| Average equity | $17,028,250 | 3,649 |
| Average total loans | $121,506,500 | 3,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 4,892 |
| Cost of funding earning assets | 1.1128% | 1,162 |
| Net interest margin | 3.1039% | 5,996 |
| Noninterest income to average assets | 0.4443% | 4,338 |
| Noninterest expense to average assets | 2.4118% | 5,414 |
| Loan and lease loss provision to assets | -0.0010% | 7,014 |
| Net operating income to assets | 0.5917% | 4,408 |
| Return on assets (ROA) | 0.5930% | 4,656 |
| Pretax return on assets | 0.8857% | 4,134 |
| Return on Equity (ROE) | 7.2841% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,963 |
| Net charge-offs to loans | 0.1133% | 4,043 |
| Credit loss provision to net charge-offs | -1.4493% | 5,903 |
| Earnings coverage of net charge-offs (x) | 13.2464% | 1,810 |
| Efficiency ratio | 73.2043% | 3,208 |
| Assets per employee ($millions) | 5.2586% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,626 |
| Loan loss allowance to noncurrent loans | 109.6317% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 3,585 |
| Noncurrent loans to loans | 1.4545% | 3,729 |
| Net loans and leases to total assets | 58.2242% | 4,121 |
| Net loans and leases to deposits | 71.6685% | 3,660 |
| Net loans and leases to core deposits | 74.3550% | 3,974 |
| Total domestic deposits to total assets | 81.2409% | 5,379 |
| Equity capital to assets | 8.3824% | 6,315 |
| Core capital (leverage) ratio | 8.0606% | 6,209 |
| Tier 1 risk-based capital ratio | 12.7628% | 5,367 |
| Total risk-based capital ratio | 14.0157% | 5,337 |
| Memoranda: | ||
| Average total assets | $207,068,670 | 3,006 |
| Average earning assets | $190,149,330 | 2,996 |
| Average equity | $16,858,670 | 3,665 |
| Average total loans | $121,813,670 | 3,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 5,173 |
| Cost of funding earning assets | 1.1343% | 1,242 |
| Net interest margin | 3.0456% | 6,197 |
| Noninterest income to average assets | 0.4729% | 4,120 |
| Noninterest expense to average assets | 2.3993% | 5,468 |
| Loan and lease loss provision to assets | -0.0019% | 7,089 |
| Net operating income to assets | 0.5902% | 4,389 |
| Return on assets (ROA) | 0.5902% | 4,606 |
| Pretax return on assets | 0.8786% | 4,116 |
| Return on Equity (ROE) | 7.3566% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.3566% | 2,252 |
| Net charge-offs to loans | 0.0721% | 3,775 |
| Credit loss provision to net charge-offs | -4.5455% | 5,336 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,180 |
| Efficiency ratio | 73.2394% | 3,213 |
| Assets per employee ($millions) | 5.4811% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,677 |
| Loan loss allowance to noncurrent loans | 97.7318% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 4,329 |
| Noncurrent loans to loans | 1.6493% | 3,629 |
| Net loans and leases to total assets | 58.0833% | 4,020 |
| Net loans and leases to deposits | 71.1829% | 3,555 |
| Net loans and leases to core deposits | 73.6711% | 3,934 |
| Total domestic deposits to total assets | 81.5974% | 5,429 |
| Equity capital to assets | 8.1098% | 6,444 |
| Core capital (leverage) ratio | 7.9097% | 6,329 |
| Tier 1 risk-based capital ratio | 12.4767% | 5,622 |
| Total risk-based capital ratio | 13.7302% | 5,585 |
| Memoranda: | ||
| Average total assets | $208,060,500 | 3,014 |
| Average earning assets | $191,488,500 | 3,002 |
| Average equity | $16,692,500 | 3,691 |
| Average total loans | $122,048,500 | 3,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 4,828 |
| Cost of funding earning assets | 1.3849% | 1,102 |
| Net interest margin | 3.1768% | 6,158 |
| Noninterest income to average assets | 0.3993% | 4,620 |
| Noninterest expense to average assets | 2.6741% | 4,841 |
| Loan and lease loss provision to assets | 0.1194% | 5,106 |
| Net operating income to assets | 0.3631% | 5,019 |
| Return on assets (ROA) | 0.3681% | 5,167 |
| Pretax return on assets | 0.5127% | 4,955 |
| Return on Equity (ROE) | 4.5844% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.5844% | 2,915 |
| Net charge-offs to loans | 0.2326% | 4,327 |
| Credit loss provision to net charge-offs | 83.9721% | 4,281 |
| Earnings coverage of net charge-offs (x) | 4.3972% | 3,130 |
| Efficiency ratio | 81.0511% | 2,154 |
| Assets per employee ($millions) | 5.4695% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,357 |
| Loan loss allowance to noncurrent loans | 98.3325% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 3,712 |
| Noncurrent loans to loans | 1.6832% | 3,636 |
| Net loans and leases to total assets | 57.3198% | 4,493 |
| Net loans and leases to deposits | 70.1758% | 4,066 |
| Net loans and leases to core deposits | 72.8167% | 4,402 |
| Total domestic deposits to total assets | 81.6802% | 5,243 |
| Equity capital to assets | 7.9359% | 6,613 |
| Core capital (leverage) ratio | 7.6933% | 6,536 |
| Tier 1 risk-based capital ratio | 12.4098% | 5,524 |
| Total risk-based capital ratio | 13.6636% | 5,499 |
| Memoranda: | ||
| Average total assets | $201,861,000 | 3,037 |
| Average earning assets | $184,270,600 | 3,035 |
| Average equity | $16,207,200 | 3,689 |
| Average total loans | $123,364,000 | 3,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 4,726 |
| Cost of funding earning assets | 1.4127% | 1,177 |
| Net interest margin | 3.2211% | 6,108 |
| Noninterest income to average assets | 0.3713% | 4,896 |
| Noninterest expense to average assets | 2.6691% | 4,844 |
| Loan and lease loss provision to assets | 0.1597% | 4,466 |
| Net operating income to assets | 0.3446% | 5,227 |
| Return on assets (ROA) | 0.3513% | 5,382 |
| Pretax return on assets | 0.4878% | 5,199 |
| Return on Equity (ROE) | 4.3629% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.3629% | 3,624 |
| Net charge-offs to loans | 0.2356% | 3,948 |
| Credit loss provision to net charge-offs | 109.5890% | 3,016 |
| Earnings coverage of net charge-offs (x) | 4.3790% | 3,085 |
| Efficiency ratio | 80.7042% | 2,157 |
| Assets per employee ($millions) | 5.0258% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,391 |
| Loan loss allowance to noncurrent loans | 109.1675% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 3,806 |
| Noncurrent loans to loans | 1.5263% | 3,989 |
| Net loans and leases to total assets | 59.3447% | 4,265 |
| Net loans and leases to deposits | 72.7409% | 3,844 |
| Net loans and leases to core deposits | 75.3690% | 4,270 |
| Total domestic deposits to total assets | 81.5837% | 5,224 |
| Equity capital to assets | 7.9221% | 6,742 |
| Core capital (leverage) ratio | 7.9735% | 6,422 |
| Tier 1 risk-based capital ratio | 12.2429% | 5,712 |
| Total risk-based capital ratio | 13.4968% | 5,691 |
| Memoranda: | ||
| Average total assets | $200,366,000 | 3,071 |
| Average earning assets | $182,625,750 | 3,072 |
| Average equity | $16,135,500 | 3,710 |
| Average total loans | $123,920,250 | 3,127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 4,488 |
| Cost of funding earning assets | 1.4215% | 1,328 |
| Net interest margin | 3.2899% | 5,886 |
| Noninterest income to average assets | 0.4615% | 4,177 |
| Noninterest expense to average assets | 2.7430% | 4,651 |
| Loan and lease loss provision to assets | 0.2449% | 3,457 |
| Net operating income to assets | 0.3396% | 5,218 |
| Return on assets (ROA) | 0.3446% | 5,331 |
| Pretax return on assets | 0.4777% | 5,140 |
| Return on Equity (ROE) | 4.2557% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.2557% | 3,487 |
| Net charge-offs to loans | 0.9275% | 1,678 |
| Credit loss provision to net charge-offs | 42.3345% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.2369% | 4,362 |
| Efficiency ratio | 79.3124% | 2,502 |
| Assets per employee ($millions) | 4.8015% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,654 |
| Loan loss allowance to noncurrent loans | 87.7999% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.8729% | 3,403 |
| Noncurrent loans to loans | 1.5750% | 4,038 |
| Net loans and leases to total assets | 60.8255% | 4,124 |
| Net loans and leases to deposits | 74.9090% | 3,661 |
| Net loans and leases to core deposits | 77.5101% | 4,116 |
| Total domestic deposits to total assets | 81.1992% | 5,459 |
| Equity capital to assets | 8.0412% | 6,653 |
| Core capital (leverage) ratio | 8.0721% | 6,207 |
| Tier 1 risk-based capital ratio | 12.1386% | 5,674 |
| Total risk-based capital ratio | 13.3894% | 5,650 |
| Memoranda: | ||
| Average total assets | $198,469,000 | 3,116 |
| Average earning assets | $180,796,000 | 3,123 |
| Average equity | $16,072,670 | 3,719 |
| Average total loans | $123,775,000 | 3,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 4,374 |
| Cost of funding earning assets | 1.4280% | 1,477 |
| Net interest margin | 3.3014% | 5,771 |
| Noninterest income to average assets | 0.4409% | 4,355 |
| Noninterest expense to average assets | 2.8140% | 4,387 |
| Loan and lease loss provision to assets | 0.2458% | 3,205 |
| Net operating income to assets | 0.2857% | 5,481 |
| Return on assets (ROA) | 0.2946% | 5,505 |
| Pretax return on assets | 0.4043% | 5,331 |
| Return on Equity (ROE) | 3.6248% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.6248% | 4,006 |
| Net charge-offs to loans | 1.7300% | 761 |
| Credit loss provision to net charge-offs | 22.6592% | 4,229 |
| Earnings coverage of net charge-offs (x) | 0.5880% | 4,184 |
| Efficiency ratio | 81.5185% | 2,297 |
| Assets per employee ($millions) | 4.7182% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,973 |
| Loan loss allowance to noncurrent loans | 65.8890% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 3,541 |
| Noncurrent loans to loans | 2.0243% | 3,539 |
| Net loans and leases to total assets | 61.1442% | 4,047 |
| Net loans and leases to deposits | 75.5372% | 3,488 |
| Net loans and leases to core deposits | 78.0398% | 4,011 |
| Total domestic deposits to total assets | 80.9458% | 5,674 |
| Equity capital to assets | 8.1290% | 6,365 |
| Core capital (leverage) ratio | 8.1710% | 6,015 |
| Tier 1 risk-based capital ratio | 12.0112% | 5,684 |
| Total risk-based capital ratio | 13.2453% | 5,684 |
| Memoranda: | ||
| Average total assets | $196,872,500 | 3,157 |
| Average earning assets | $179,558,000 | 3,151 |
| Average equity | $16,001,000 | 3,729 |
| Average total loans | $123,471,500 | 3,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 4,361 |
| Cost of funding earning assets | 1.6828% | 1,672 |
| Net interest margin | 3.3585% | 5,765 |
| Noninterest income to average assets | 0.5719% | 3,658 |
| Noninterest expense to average assets | 2.8500% | 4,408 |
| Loan and lease loss provision to assets | 0.3376% | 4,123 |
| Net operating income to assets | 0.3292% | 4,828 |
| Return on assets (ROA) | 0.3252% | 5,007 |
| Pretax return on assets | 0.4460% | 4,806 |
| Return on Equity (ROE) | 4.1795% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.1795% | 2,917 |
| Net charge-offs to loans | 0.1665% | 5,335 |
| Credit loss provision to net charge-offs | 320.3791% | 810 |
| Earnings coverage of net charge-offs (x) | 7.4882% | 2,120 |
| Efficiency ratio | 78.3146% | 2,651 |
| Assets per employee ($millions) | 4.7702% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 3,393 |
| Loan loss allowance to noncurrent loans | 60.7344% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.9839% | 3,368 |
| Noncurrent loans to loans | 2.7204% | 2,799 |
| Net loans and leases to total assets | 62.4234% | 4,195 |
| Net loans and leases to deposits | 77.2131% | 3,635 |
| Net loans and leases to core deposits | 79.9381% | 4,230 |
| Total domestic deposits to total assets | 80.8456% | 5,574 |
| Equity capital to assets | 8.1261% | 6,352 |
| Core capital (leverage) ratio | 7.9877% | 6,220 |
| Tier 1 risk-based capital ratio | 11.9123% | 5,557 |
| Total risk-based capital ratio | 13.1678% | 5,529 |
| Memoranda: | ||
| Average total assets | $200,211,800 | 3,096 |
| Average earning assets | $182,847,400 | 3,094 |
| Average equity | $15,576,200 | 3,846 |
| Average total loans | $126,759,800 | 3,186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 4,374 |
| Cost of funding earning assets | 1.7232% | 1,753 |
| Net interest margin | 3.3659% | 5,793 |
| Noninterest income to average assets | 0.5429% | 3,845 |
| Noninterest expense to average assets | 2.7663% | 4,619 |
| Loan and lease loss provision to assets | 0.3688% | 3,688 |
| Net operating income to assets | 0.3503% | 4,967 |
| Return on assets (ROA) | 0.3450% | 5,165 |
| Pretax return on assets | 0.4747% | 5,007 |
| Return on Equity (ROE) | 4.4825% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.4825% | 3,360 |
| Net charge-offs to loans | 0.2428% | 4,484 |
| Credit loss provision to net charge-offs | 240.0862% | 1,408 |
| Earnings coverage of net charge-offs (x) | 5.5387% | 2,723 |
| Efficiency ratio | 76.4781% | 2,862 |
| Assets per employee ($millions) | 4.7542% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 3,759 |
| Loan loss allowance to noncurrent loans | 77.9364% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 4,232 |
| Noncurrent loans to loans | 1.9804% | 3,706 |
| Net loans and leases to total assets | 61.0507% | 4,707 |
| Net loans and leases to deposits | 76.7637% | 4,042 |
| Net loans and leases to core deposits | 79.3149% | 4,614 |
| Total domestic deposits to total assets | 79.5307% | 5,857 |
| Equity capital to assets | 7.9249% | 6,856 |
| Core capital (leverage) ratio | 7.7514% | 6,625 |
| Tier 1 risk-based capital ratio | 11.8298% | 5,608 |
| Total risk-based capital ratio | 13.0824% | 5,585 |
| Memoranda: | ||
| Average total assets | $201,370,000 | 3,121 |
| Average earning assets | $183,919,000 | 3,124 |
| Average equity | $15,497,000 | 3,905 |
| Average total loans | $127,415,250 | 3,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 4,432 |
| Cost of funding earning assets | 1.7515% | 1,857 |
| Net interest margin | 3.3522% | 5,827 |
| Noninterest income to average assets | 0.5645% | 3,591 |
| Noninterest expense to average assets | 2.7365% | 4,753 |
| Loan and lease loss provision to assets | 0.4328% | 3,150 |
| Net operating income to assets | 0.3359% | 5,044 |
| Return on assets (ROA) | 0.3278% | 5,237 |
| Pretax return on assets | 0.4437% | 5,082 |
| Return on Equity (ROE) | 4.3021% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.3021% | 3,340 |
| Net charge-offs to loans | 0.2146% | 4,323 |
| Credit loss provision to net charge-offs | 316.6667% | 1,154 |
| Earnings coverage of net charge-offs (x) | 6.4928% | 2,450 |
| Efficiency ratio | 75.5124% | 3,158 |
| Assets per employee ($millions) | 4.9167% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,877 |
| Loan loss allowance to noncurrent loans | 62.0883% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 3,833 |
| Noncurrent loans to loans | 2.4292% | 3,221 |
| Net loans and leases to total assets | 61.0632% | 4,865 |
| Net loans and leases to deposits | 76.5580% | 4,230 |
| Net loans and leases to core deposits | 80.1956% | 4,673 |
| Total domestic deposits to total assets | 79.7607% | 5,802 |
| Equity capital to assets | 7.7442% | 6,966 |
| Core capital (leverage) ratio | 7.6429% | 6,684 |
| Tier 1 risk-based capital ratio | 11.7589% | 5,534 |
| Total risk-based capital ratio | 13.0109% | 5,496 |
| Memoranda: | ||
| Average total assets | $201,935,000 | 3,136 |
| Average earning assets | $184,295,000 | 3,140 |
| Average equity | $15,388,000 | 3,914 |
| Average total loans | $128,615,670 | 3,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 4,470 |
| Cost of funding earning assets | 1.7706% | 2,009 |
| Net interest margin | 3.3418% | 5,810 |
| Noninterest income to average assets | 0.6115% | 3,197 |
| Noninterest expense to average assets | 2.8084% | 4,453 |
| Loan and lease loss provision to assets | 0.5264% | 2,394 |
| Net operating income to assets | 0.2334% | 5,564 |
| Return on assets (ROA) | 0.3107% | 5,380 |
| Pretax return on assets | 0.4374% | 5,171 |
| Return on Equity (ROE) | 4.1109% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.1109% | 3,684 |
| Net charge-offs to loans | 0.0859% | 4,564 |
| Credit loss provision to net charge-offs | 950.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 1,381 |
| Efficiency ratio | 76.6613% | 3,108 |
| Assets per employee ($millions) | 4.9296% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 4,303 |
| Loan loss allowance to noncurrent loans | 47.7487% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.4570% | 2,957 |
| Noncurrent loans to loans | 2.9804% | 2,692 |
| Net loans and leases to total assets | 62.5114% | 4,654 |
| Net loans and leases to deposits | 78.8749% | 3,868 |
| Net loans and leases to core deposits | 82.4733% | 4,422 |
| Total domestic deposits to total assets | 79.2539% | 6,018 |
| Equity capital to assets | 7.5897% | 6,999 |
| Core capital (leverage) ratio | 7.5728% | 6,769 |
| Tier 1 risk-based capital ratio | 11.3849% | 5,783 |
| Total risk-based capital ratio | 12.6367% | 5,748 |
| Memoranda: | ||
| Average total assets | $202,111,000 | 3,193 |
| Average earning assets | $184,572,000 | 3,195 |
| Average equity | $15,276,500 | 3,966 |
| Average total loans | $130,434,500 | 3,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 4,197 |
| Cost of funding earning assets | 2.2985% | 1,667 |
| Net interest margin | 3.1913% | 6,124 |
| Noninterest income to average assets | 0.6194% | 3,492 |
| Noninterest expense to average assets | 2.8659% | 4,670 |
| Loan and lease loss provision to assets | 0.1963% | 5,769 |
| Net operating income to assets | 0.3426% | 4,367 |
| Return on assets (ROA) | 0.3426% | 4,454 |
| Pretax return on assets | 0.4746% | 4,265 |
| Return on Equity (ROE) | 4.5181% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.5181% | 2,093 |
| Net charge-offs to loans | 0.3086% | 4,702 |
| Credit loss provision to net charge-offs | 92.9952% | 5,895 |
| Earnings coverage of net charge-offs (x) | 3.1787% | 3,467 |
| Efficiency ratio | 81.0320% | 2,745 |
| Assets per employee ($millions) | 4.9294% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,399 |
| Loan loss allowance to noncurrent loans | 40.2640% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 2.0727% | 3,308 |
| Noncurrent loans to loans | 2.9683% | 2,590 |
| Net loans and leases to total assets | 64.8736% | 4,395 |
| Net loans and leases to deposits | 82.2774% | 3,579 |
| Net loans and leases to core deposits | 96.5230% | 4,397 |
| Total domestic deposits to total assets | 78.8473% | 6,025 |
| Equity capital to assets | 7.5272% | 7,010 |
| Core capital (leverage) ratio | 7.3942% | 6,894 |
| Tier 1 risk-based capital ratio | 10.8199% | 6,094 |
| Total risk-based capital ratio | 11.9582% | 6,176 |
| Memoranda: | ||
| Average total assets | $196,172,000 | 3,224 |
| Average earning assets | $179,332,400 | 3,220 |
| Average equity | $14,873,600 | 4,084 |
| Average total loans | $134,132,600 | 3,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 4,373 |
| Cost of funding earning assets | 2.3878% | 1,672 |
| Net interest margin | 3.1216% | 6,253 |
| Noninterest income to average assets | 0.6568% | 3,314 |
| Noninterest expense to average assets | 2.8804% | 4,535 |
| Loan and lease loss provision to assets | 0.1513% | 5,836 |
| Net operating income to assets | 0.3465% | 4,615 |
| Return on assets (ROA) | 0.3465% | 4,711 |
| Pretax return on assets | 0.4773% | 4,588 |
| Return on Equity (ROE) | 4.5619% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.5619% | 2,725 |
| Net charge-offs to loans | 0.1031% | 5,642 |
| Credit loss provision to net charge-offs | 212.5000% | 2,068 |
| Earnings coverage of net charge-offs (x) | 8.8271% | 2,191 |
| Efficiency ratio | 82.0843% | 2,571 |
| Assets per employee ($millions) | 5.0436% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,676 |
| Loan loss allowance to noncurrent loans | 36.7572% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5612% | 2,711 |
| Noncurrent loans to loans | 3.4583% | 2,162 |
| Net loans and leases to total assets | 66.6791% | 4,266 |
| Net loans and leases to deposits | 85.7384% | 3,370 |
| Net loans and leases to core deposits | 102.6126% | 4,092 |
| Total domestic deposits to total assets | 77.7703% | 6,153 |
| Equity capital to assets | 7.4788% | 7,308 |
| Core capital (leverage) ratio | 7.3885% | 7,092 |
| Tier 1 risk-based capital ratio | 10.6472% | 6,304 |
| Total risk-based capital ratio | 11.8836% | 6,294 |
| Memoranda: | ||
| Average total assets | $194,688,250 | 3,259 |
| Average earning assets | $177,897,000 | 3,265 |
| Average equity | $14,788,750 | 4,135 |
| Average total loans | $134,490,750 | 3,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 4,334 |
| Cost of funding earning assets | 2.4432% | 1,806 |
| Net interest margin | 3.1076% | 6,211 |
| Noninterest income to average assets | 0.7934% | 2,445 |
| Noninterest expense to average assets | 2.9573% | 4,264 |
| Loan and lease loss provision to assets | 0.1341% | 5,742 |
| Net operating income to assets | 0.3910% | 4,549 |
| Return on assets (ROA) | 0.3910% | 4,651 |
| Pretax return on assets | 0.5376% | 4,507 |
| Return on Equity (ROE) | 5.1195% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.1195% | 2,445 |
| Net charge-offs to loans | 0.0762% | 5,445 |
| Credit loss provision to net charge-offs | 252.9412% | 1,840 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,801 |
| Efficiency ratio | 81.4900% | 2,799 |
| Assets per employee ($millions) | 5.0888% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,573 |
| Loan loss allowance to noncurrent loans | 38.3552% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4160% | 2,685 |
| Noncurrent loans to loans | 3.2698% | 2,166 |
| Net loans and leases to total assets | 67.1645% | 4,325 |
| Net loans and leases to deposits | 86.7385% | 3,405 |
| Net loans and leases to core deposits | 104.4205% | 4,018 |
| Total domestic deposits to total assets | 77.4333% | 6,219 |
| Equity capital to assets | 7.4920% | 7,273 |
| Core capital (leverage) ratio | 7.5092% | 6,998 |
| Tier 1 risk-based capital ratio | 10.7972% | 6,084 |
| Total risk-based capital ratio | 12.0390% | 6,032 |
| Memoranda: | ||
| Average total assets | $192,336,330 | 3,318 |
| Average earning assets | $175,506,000 | 3,322 |
| Average equity | $14,689,000 | 4,160 |
| Average total loans | $133,903,330 | 3,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5897% | 4,423 |
| Cost of funding earning assets | 2.4946% | 1,937 |
| Net interest margin | 3.0951% | 6,214 |
| Noninterest income to average assets | 0.9024% | 1,839 |
| Noninterest expense to average assets | 3.0390% | 3,596 |
| Loan and lease loss provision to assets | 0.1437% | 5,106 |
| Net operating income to assets | 0.3783% | 4,952 |
| Return on assets (ROA) | 0.3783% | 5,136 |
| Pretax return on assets | 0.5410% | 4,943 |
| Return on Equity (ROE) | 4.9044% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.9044% | 3,187 |
| Net charge-offs to loans | 0.1050% | 4,125 |
| Credit loss provision to net charge-offs | 194.2857% | 2,273 |
| Earnings coverage of net charge-offs (x) | 9.2571% | 2,079 |
| Efficiency ratio | 81.6118% | 2,592 |
| Assets per employee ($millions) | 5.1202% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,497 |
| Loan loss allowance to noncurrent loans | 44.1468% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.4023% | 2,385 |
| Noncurrent loans to loans | 2.8180% | 2,323 |
| Net loans and leases to total assets | 67.2373% | 4,303 |
| Net loans and leases to deposits | 87.1861% | 3,437 |
| Net loans and leases to core deposits | 106.3473% | 3,865 |
| Total domestic deposits to total assets | 77.1193% | 6,248 |
| Equity capital to assets | 7.5517% | 7,309 |
| Core capital (leverage) ratio | 7.6661% | 6,933 |
| Tier 1 risk-based capital ratio | 11.1395% | 5,769 |
| Total risk-based capital ratio | 12.3900% | 5,687 |
| Memoranda: | ||
| Average total assets | $189,272,000 | 3,369 |
| Average earning assets | $172,533,000 | 3,377 |
| Average equity | $14,599,000 | 4,209 |
| Average total loans | $133,359,500 | 3,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8746% | 6,161 |
| Cost of funding earning assets | 2.8682% | 2,401 |
| Net interest margin | 3.0064% | 6,894 |
| Noninterest income to average assets | 0.4487% | 5,047 |
| Noninterest expense to average assets | 2.6880% | 5,318 |
| Loan and lease loss provision to assets | 0.5713% | 2,537 |
| Net operating income to assets | 0.0112% | 6,339 |
| Return on assets (ROA) | 0.0112% | 6,192 |
| Pretax return on assets | -0.0517% | 6,211 |
| Return on Equity (ROE) | 0.1447% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.1447% | 5,140 |
| Net charge-offs to loans | 0.4234% | 2,701 |
| Credit loss provision to net charge-offs | 193.5018% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.7599% | 5,195 |
| Efficiency ratio | 83.8013% | 2,078 |
| Assets per employee ($millions) | 4.4873% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 4,508 |
| Loan loss allowance to noncurrent loans | 44.9235% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 2.4873% | 1,956 |
| Noncurrent loans to loans | 2.6778% | 2,022 |
| Net loans and leases to total assets | 72.0929% | 3,563 |
| Net loans and leases to deposits | 96.0087% | 2,450 |
| Net loans and leases to core deposits | 114.7044% | 3,264 |
| Total domestic deposits to total assets | 75.0900% | 6,431 |
| Equity capital to assets | 7.8841% | 6,992 |
| Core capital (leverage) ratio | 7.7272% | 6,886 |
| Tier 1 risk-based capital ratio | 11.2654% | 5,471 |
| Total risk-based capital ratio | 12.5153% | 5,357 |
| Memoranda: | ||
| Average total assets | $187,647,800 | 3,300 |
| Average earning assets | $172,198,200 | 3,298 |
| Average equity | $14,516,000 | 4,234 |
| Average total loans | $130,844,400 | 3,256 |