Home > Seaway Community Bank > Performance and Condition Ratios
Seaway Community 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 | 4.6671% | 1,690 |
| Cost of funding earning assets | 0.6940% | 1,992 |
| Net interest margin | 3.9731% | 2,031 |
| Noninterest income to average assets | 1.3472% | 805 |
| Noninterest expense to average assets | 3.3864% | 1,859 |
| Loan and lease loss provision to assets | 0.0292% | 4,422 |
| Net operating income to assets | 1.6230% | 715 |
| Return on assets (ROA) | 1.5480% | 873 |
| Pretax return on assets | 1.5480% | 1,473 |
| Return on Equity (ROE) | 16.1182% | 637 |
| Retained earnings to average equity (ytd only) | 16.1182% | 157 |
| Net charge-offs to loans | 0.2105% | 2,566 |
| Credit loss provision to net charge-offs | 18.6667% | 4,092 |
| Earnings coverage of net charge-offs (x) | 10.5690% | 2,341 |
| Efficiency ratio | 67.2090% | 4,259 |
| Assets per employee ($millions) | 5.0675% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1549% | 208 |
| Loan loss allowance to noncurrent loans | 214.1839% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4035% | 2,853 |
| Noncurrent loans to loans | 1.9399% | 2,315 |
| Net loans and leases to total assets | 68.3953% | 2,242 |
| Net loans and leases to deposits | 82.1924% | 2,116 |
| Net loans and leases to core deposits | 95.3028% | 1,444 |
| Total domestic deposits to total assets | 83.2137% | 4,493 |
| Equity capital to assets | 9.5466% | 4,493 |
| Core capital (leverage) ratio | 9.9286% | 3,774 |
| Tier 1 risk-based capital ratio | 13.4499% | 4,795 |
| Total risk-based capital ratio | 14.7359% | 4,720 |
| Memoranda: | ||
| Average total assets | $191,897,500 | 3,153 |
| Average earning assets | $178,294,500 | 3,121 |
| Average equity | $18,430,000 | 3,382 |
| Average total loans | $142,497,500 | 2,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,582 |
| Cost of funding earning assets | 0.7445% | 1,742 |
| Net interest margin | 3.9511% | 2,042 |
| Noninterest income to average assets | 1.0218% | 1,466 |
| Noninterest expense to average assets | 3.5030% | 1,599 |
| Loan and lease loss provision to assets | 0.0446% | 4,075 |
| Net operating income to assets | 1.1493% | 1,746 |
| Return on assets (ROA) | 1.1493% | 1,862 |
| Pretax return on assets | 1.1493% | 2,887 |
| Return on Equity (ROE) | 11.9406% | 1,513 |
| Retained earnings to average equity (ytd only) | 11.9406% | 504 |
| Net charge-offs to loans | 0.1495% | 2,905 |
| Credit loss provision to net charge-offs | 39.6226% | 3,424 |
| Earnings coverage of net charge-offs (x) | 10.6038% | 2,140 |
| Efficiency ratio | 74.5816% | 3,013 |
| Assets per employee ($millions) | 4.7976% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2768% | 206 |
| Loan loss allowance to noncurrent loans | 166.5037% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 2,173 |
| Noncurrent loans to loans | 2.5686% | 1,792 |
| Net loans and leases to total assets | 71.4828% | 1,651 |
| Net loans and leases to deposits | 86.3065% | 1,545 |
| Net loans and leases to core deposits | 105.2785% | 778 |
| Total domestic deposits to total assets | 82.8243% | 4,774 |
| Equity capital to assets | 9.4463% | 4,657 |
| Core capital (leverage) ratio | 9.5082% | 4,236 |
| Tier 1 risk-based capital ratio | 12.8089% | 5,283 |
| Total risk-based capital ratio | 14.0960% | 5,191 |
| Memoranda: | ||
| Average total assets | $188,296,330 | 3,222 |
| Average earning assets | $175,142,000 | 3,186 |
| Average equity | $18,123,000 | 3,458 |
| Average total loans | $141,780,670 | 2,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,505 |
| Cost of funding earning assets | 0.7540% | 1,812 |
| Net interest margin | 3.9568% | 1,928 |
| Noninterest income to average assets | 1.0167% | 1,429 |
| Noninterest expense to average assets | 3.6913% | 1,259 |
| Loan and lease loss provision to assets | 0.0901% | 3,159 |
| Net operating income to assets | 0.9159% | 2,581 |
| Return on assets (ROA) | 0.9159% | 2,728 |
| Pretax return on assets | 0.9159% | 3,703 |
| Return on Equity (ROE) | 9.4258% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.4258% | 1,264 |
| Net charge-offs to loans | 0.0993% | 2,864 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,530 |
| Efficiency ratio | 78.5845% | 2,517 |
| Assets per employee ($millions) | 4.5799% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3999% | 213 |
| Loan loss allowance to noncurrent loans | 175.9364% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8819% | 2,500 |
| Noncurrent loans to loans | 2.5008% | 2,067 |
| Net loans and leases to total assets | 70.0328% | 1,655 |
| Net loans and leases to deposits | 84.6113% | 1,516 |
| Net loans and leases to core deposits | 101.6357% | 846 |
| Total domestic deposits to total assets | 82.7701% | 4,930 |
| Equity capital to assets | 9.5141% | 4,832 |
| Core capital (leverage) ratio | 9.5519% | 3,996 |
| Tier 1 risk-based capital ratio | 12.9242% | 5,287 |
| Total risk-based capital ratio | 14.2147% | 5,202 |
| Memoranda: | ||
| Average total assets | $186,492,000 | 3,279 |
| Average earning assets | $173,473,500 | 3,228 |
| Average equity | $18,120,500 | 3,508 |
| Average total loans | $141,017,000 | 2,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 1,976 |
| Cost of funding earning assets | 0.8381% | 2,370 |
| Net interest margin | 4.0240% | 2,297 |
| Noninterest income to average assets | 0.9769% | 1,607 |
| Noninterest expense to average assets | 3.4880% | 1,841 |
| Loan and lease loss provision to assets | 0.3425% | 1,959 |
| Net operating income to assets | 0.8453% | 3,065 |
| Return on assets (ROA) | 0.8899% | 3,107 |
| Pretax return on assets | 0.8899% | 3,957 |
| Return on Equity (ROE) | 9.4816% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.4816% | 699 |
| Net charge-offs to loans | 1.4175% | 645 |
| Credit loss provision to net charge-offs | 32.6167% | 5,072 |
| Earnings coverage of net charge-offs (x) | 1.1311% | 4,896 |
| Efficiency ratio | 74.5966% | 2,973 |
| Assets per employee ($millions) | 4.4055% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3884% | 209 |
| Loan loss allowance to noncurrent loans | 134.6597% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 1,791 |
| Noncurrent loans to loans | 3.2589% | 1,576 |
| Net loans and leases to total assets | 74.6998% | 1,092 |
| Net loans and leases to deposits | 93.2190% | 809 |
| Net loans and leases to core deposits | 106.0963% | 687 |
| Total domestic deposits to total assets | 80.1336% | 5,628 |
| Equity capital to assets | 9.9321% | 4,265 |
| Core capital (leverage) ratio | 9.3145% | 4,391 |
| Tier 1 risk-based capital ratio | 12.4981% | 5,483 |
| Total risk-based capital ratio | 13.7881% | 5,402 |
| Memoranda: | ||
| Average total assets | $181,591,600 | 3,293 |
| Average earning assets | $166,922,400 | 3,272 |
| Average equity | $17,043,600 | 3,625 |
| Average total loans | $134,528,400 | 2,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 2,298 |
| Cost of funding earning assets | 0.8445% | 2,592 |
| Net interest margin | 3.9794% | 2,579 |
| Noninterest income to average assets | 0.8887% | 1,873 |
| Noninterest expense to average assets | 3.4309% | 1,928 |
| Loan and lease loss provision to assets | 0.2772% | 2,354 |
| Net operating income to assets | 0.8293% | 3,309 |
| Return on assets (ROA) | 0.8887% | 3,279 |
| Pretax return on assets | 0.8887% | 4,160 |
| Return on Equity (ROE) | 9.6077% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.6077% | 1,024 |
| Net charge-offs to loans | 1.4680% | 598 |
| Credit loss provision to net charge-offs | 25.8373% | 4,865 |
| Earnings coverage of net charge-offs (x) | 1.0314% | 4,797 |
| Efficiency ratio | 75.6141% | 2,734 |
| Assets per employee ($millions) | 5.1862% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7283% | 172 |
| Loan loss allowance to noncurrent loans | 120.7822% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 3.0925% | 1,683 |
| Noncurrent loans to loans | 3.9148% | 1,322 |
| Net loans and leases to total assets | 63.6865% | 3,078 |
| Net loans and leases to deposits | 75.8281% | 3,008 |
| Net loans and leases to core deposits | 85.1183% | 2,566 |
| Total domestic deposits to total assets | 83.9880% | 4,227 |
| Equity capital to assets | 8.7021% | 6,100 |
| Core capital (leverage) ratio | 8.9131% | 5,176 |
| Tier 1 risk-based capital ratio | 13.1025% | 5,168 |
| Total risk-based capital ratio | 14.3981% | 5,096 |
| Memoranda: | ||
| Average total assets | $181,832,750 | 3,314 |
| Average earning assets | $166,721,750 | 3,313 |
| Average equity | $16,819,500 | 3,688 |
| Average total loans | $132,880,250 | 2,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 1,756 |
| Cost of funding earning assets | 0.8809% | 2,554 |
| Net interest margin | 4.1314% | 1,965 |
| Noninterest income to average assets | 0.9164% | 1,726 |
| Noninterest expense to average assets | 3.5641% | 1,651 |
| Loan and lease loss provision to assets | 0.4319% | 1,510 |
| Net operating income to assets | 0.6879% | 3,933 |
| Return on assets (ROA) | 0.7805% | 3,734 |
| Pretax return on assets | 0.7805% | 4,544 |
| Return on Equity (ROE) | 8.2493% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.2493% | 1,552 |
| Net charge-offs to loans | 1.7047% | 530 |
| Credit loss provision to net charge-offs | 33.5702% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.8703% | 4,615 |
| Efficiency ratio | 76.0917% | 2,730 |
| Assets per employee ($millions) | 4.6244% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1422% | 145 |
| Loan loss allowance to noncurrent loans | 109.7521% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 3.8924% | 1,335 |
| Noncurrent loans to loans | 4.6853% | 1,106 |
| Net loans and leases to total assets | 70.6482% | 1,796 |
| Net loans and leases to deposits | 86.2636% | 1,566 |
| Net loans and leases to core deposits | 99.0032% | 1,176 |
| Total domestic deposits to total assets | 81.8981% | 5,172 |
| Equity capital to assets | 9.6223% | 4,881 |
| Core capital (leverage) ratio | 9.2688% | 4,497 |
| Tier 1 risk-based capital ratio | 12.9033% | 5,255 |
| Total risk-based capital ratio | 14.2032% | 5,193 |
| Memoranda: | ||
| Average total assets | $175,023,330 | 3,436 |
| Average earning assets | $159,607,000 | 3,433 |
| Average equity | $16,559,000 | 3,719 |
| Average total loans | $132,105,000 | 2,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 1,745 |
| Cost of funding earning assets | 0.8994% | 2,701 |
| Net interest margin | 4.1432% | 1,959 |
| Noninterest income to average assets | 0.8496% | 1,948 |
| Noninterest expense to average assets | 3.5839% | 1,597 |
| Loan and lease loss provision to assets | 0.5725% | 1,008 |
| Net operating income to assets | 0.4488% | 5,039 |
| Return on assets (ROA) | 0.6343% | 4,413 |
| Pretax return on assets | 0.6343% | 4,996 |
| Return on Equity (ROE) | 6.7627% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.7627% | 2,546 |
| Net charge-offs to loans | 3.1345% | 226 |
| Credit loss provision to net charge-offs | 24.0385% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.4288% | 4,141 |
| Efficiency ratio | 77.8220% | 2,521 |
| Assets per employee ($millions) | 4.4378% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0798% | 167 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 4.2420% | 1,284 |
| Noncurrent loans to loans | 4.3871% | 1,348 |
| Net loans and leases to total assets | 70.4020% | 1,685 |
| Net loans and leases to deposits | 85.5715% | 1,467 |
| Net loans and leases to core deposits | 98.7905% | 1,064 |
| Total domestic deposits to total assets | 82.2727% | 5,209 |
| Equity capital to assets | 9.2811% | 5,118 |
| Core capital (leverage) ratio | 9.1191% | 4,655 |
| Tier 1 risk-based capital ratio | 12.7823% | 5,378 |
| Total risk-based capital ratio | 14.0827% | 5,313 |
| Memoranda: | ||
| Average total assets | $174,671,500 | 3,460 |
| Average earning assets | $158,332,500 | 3,467 |
| Average equity | $16,384,000 | 3,750 |
| Average total loans | $132,718,500 | 2,896 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 2,158 |
| Cost of funding earning assets | 1.1734% | 2,200 |
| Net interest margin | 4.0037% | 2,858 |
| Noninterest income to average assets | 0.7482% | 2,345 |
| Noninterest expense to average assets | 3.5406% | 1,886 |
| Loan and lease loss provision to assets | 1.1611% | 770 |
| Net operating income to assets | -0.3278% | 6,363 |
| Return on assets (ROA) | -0.3278% | 6,414 |
| Pretax return on assets | -0.3278% | 6,369 |
| Return on Equity (ROE) | -3.5015% | 6,443 |
| Retained earnings to average equity (ytd only) | -3.5015% | 6,327 |
| Net charge-offs to loans | 2.4863% | 471 |
| Credit loss provision to net charge-offs | 63.1695% | 5,082 |
| Earnings coverage of net charge-offs (x) | 0.4534% | 5,479 |
| Efficiency ratio | 80.9480% | 2,167 |
| Assets per employee ($millions) | 5.0539% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5899% | 119 |
| Loan loss allowance to noncurrent loans | 108.9452% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 5.5648% | 915 |
| Noncurrent loans to loans | 5.1309% | 1,091 |
| Net loans and leases to total assets | 73.5019% | 1,356 |
| Net loans and leases to deposits | 89.9008% | 1,166 |
| Net loans and leases to core deposits | 104.5522% | 869 |
| Total domestic deposits to total assets | 81.7588% | 5,206 |
| Equity capital to assets | 9.4820% | 4,911 |
| Core capital (leverage) ratio | 9.0978% | 4,620 |
| Tier 1 risk-based capital ratio | 12.2757% | 5,626 |
| Total risk-based capital ratio | 13.5826% | 5,566 |
| Memoranda: | ||
| Average total assets | $172,682,600 | 3,449 |
| Average earning assets | $156,380,400 | 3,465 |
| Average equity | $16,164,400 | 3,697 |
| Average total loans | $127,660,000 | 3,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 2,458 |
| Cost of funding earning assets | 1.2414% | 2,052 |
| Net interest margin | 3.8923% | 3,414 |
| Noninterest income to average assets | 0.7604% | 2,260 |
| Noninterest expense to average assets | 3.4887% | 1,966 |
| Loan and lease loss provision to assets | 0.6817% | 1,419 |
| Net operating income to assets | 0.1226% | 5,909 |
| Return on assets (ROA) | 0.1226% | 6,022 |
| Pretax return on assets | 0.1226% | 6,055 |
| Return on Equity (ROE) | 1.3141% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.3141% | 5,484 |
| Net charge-offs to loans | 2.6279% | 402 |
| Credit loss provision to net charge-offs | 35.5591% | 5,332 |
| Earnings coverage of net charge-offs (x) | 0.4195% | 5,306 |
| Efficiency ratio | 81.2646% | 2,082 |
| Assets per employee ($millions) | 5.1131% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3058% | 151 |
| Loan loss allowance to noncurrent loans | 112.7380% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 5.4034% | 1,037 |
| Noncurrent loans to loans | 4.7064% | 1,368 |
| Net loans and leases to total assets | 70.2576% | 2,034 |
| Net loans and leases to deposits | 85.3648% | 1,777 |
| Net loans and leases to core deposits | 100.1713% | 1,233 |
| Total domestic deposits to total assets | 82.3027% | 4,973 |
| Equity capital to assets | 9.3652% | 5,281 |
| Core capital (leverage) ratio | 8.9084% | 5,082 |
| Tier 1 risk-based capital ratio | 12.5983% | 5,405 |
| Total risk-based capital ratio | 13.9008% | 5,354 |
| Memoranda: | ||
| Average total assets | $172,895,500 | 3,466 |
| Average earning assets | $156,921,500 | 3,483 |
| Average equity | $16,132,250 | 3,711 |
| Average total loans | $126,130,750 | 3,078 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 2,554 |
| Cost of funding earning assets | 1.2795% | 2,066 |
| Net interest margin | 3.8487% | 3,541 |
| Noninterest income to average assets | 0.7409% | 2,317 |
| Noninterest expense to average assets | 3.5757% | 1,798 |
| Loan and lease loss provision to assets | 0.7666% | 1,212 |
| Net operating income to assets | -0.1018% | 6,354 |
| Return on assets (ROA) | -0.1018% | 6,406 |
| Pretax return on assets | -0.1018% | 6,365 |
| Return on Equity (ROE) | -1.0928% | 6,413 |
| Retained earnings to average equity (ytd only) | -1.0928% | 6,067 |
| Net charge-offs to loans | 2.5598% | 455 |
| Credit loss provision to net charge-offs | 41.2989% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.3581% | 5,036 |
| Efficiency ratio | 84.3224% | 1,778 |
| Assets per employee ($millions) | 4.7387% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0220% | 93 |
| Loan loss allowance to noncurrent loans | 108.3556% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 5.6122% | 1,039 |
| Noncurrent loans to loans | 5.5576% | 1,129 |
| Net loans and leases to total assets | 70.5855% | 2,096 |
| Net loans and leases to deposits | 86.4745% | 1,722 |
| Net loans and leases to core deposits | 105.7627% | 941 |
| Total domestic deposits to total assets | 81.6259% | 5,307 |
| Equity capital to assets | 9.5860% | 4,678 |
| Core capital (leverage) ratio | 9.3878% | 4,132 |
| Tier 1 risk-based capital ratio | 12.6666% | 5,209 |
| Total risk-based capital ratio | 13.9771% | 5,128 |
| Memoranda: | ||
| Average total assets | $170,874,000 | 3,519 |
| Average earning assets | $155,378,330 | 3,535 |
| Average equity | $15,923,000 | 3,744 |
| Average total loans | $123,915,000 | 3,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 2,648 |
| Cost of funding earning assets | 1.2900% | 2,243 |
| Net interest margin | 3.8107% | 3,565 |
| Noninterest income to average assets | 0.8678% | 1,785 |
| Noninterest expense to average assets | 3.6324% | 1,695 |
| Loan and lease loss provision to assets | 0.9075% | 883 |
| Net operating income to assets | -0.2105% | 6,573 |
| Return on assets (ROA) | -0.2105% | 6,585 |
| Pretax return on assets | -0.2105% | 6,546 |
| Return on Equity (ROE) | -2.2918% | 6,615 |
| Retained earnings to average equity (ytd only) | -2.2918% | 6,193 |
| Net charge-offs to loans | 0.4105% | 2,456 |
| Credit loss provision to net charge-offs | 310.4000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 2.3840% | 3,128 |
| Efficiency ratio | 83.9006% | 1,968 |
| Assets per employee ($millions) | 5.2544% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3379% | 50 |
| Loan loss allowance to noncurrent loans | 149.3713% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 5.0319% | 1,250 |
| Noncurrent loans to loans | 4.9125% | 1,378 |
| Net loans and leases to total assets | 64.8888% | 3,265 |
| Net loans and leases to deposits | 79.0943% | 2,873 |
| Net loans and leases to core deposits | 97.3128% | 1,576 |
| Total domestic deposits to total assets | 82.0399% | 5,299 |
| Equity capital to assets | 9.2655% | 4,789 |
| Core capital (leverage) ratio | 9.2390% | 4,228 |
| Tier 1 risk-based capital ratio | 13.4252% | 4,479 |
| Total risk-based capital ratio | 14.7529% | 4,391 |
| Memoranda: | ||
| Average total assets | $171,014,500 | 3,542 |
| Average earning assets | $155,352,000 | 3,555 |
| Average equity | $15,708,000 | 3,780 |
| Average total loans | $121,807,500 | 3,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 2,466 |
| Cost of funding earning assets | 1.6211% | 1,947 |
| Net interest margin | 3.8322% | 3,808 |
| Noninterest income to average assets | 0.8247% | 2,165 |
| Noninterest expense to average assets | 3.5420% | 2,067 |
| Loan and lease loss provision to assets | 2.7526% | 375 |
| Net operating income to assets | -2.0113% | 7,060 |
| Return on assets (ROA) | -1.9948% | 7,066 |
| Pretax return on assets | -1.9948% | 7,029 |
| Return on Equity (ROE) | -21.4765% | 7,066 |
| Retained earnings to average equity (ytd only) | -21.4765% | 7,043 |
| Net charge-offs to loans | 2.1097% | 934 |
| Credit loss provision to net charge-offs | 176.2480% | 1,892 |
| Earnings coverage of net charge-offs (x) | 0.4746% | 5,636 |
| Efficiency ratio | 82.6934% | 2,083 |
| Assets per employee ($millions) | 4.9598% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0766% | 57 |
| Loan loss allowance to noncurrent loans | 140.6474% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 5.2409% | 1,193 |
| Noncurrent loans to loans | 5.0315% | 1,332 |
| Net loans and leases to total assets | 67.3316% | 3,144 |
| Net loans and leases to deposits | 82.1735% | 2,767 |
| Net loans and leases to core deposits | 100.6203% | 1,568 |
| Total domestic deposits to total assets | 81.9384% | 5,208 |
| Equity capital to assets | 9.1026% | 4,988 |
| Core capital (leverage) ratio | 9.2024% | 4,162 |
| Tier 1 risk-based capital ratio | 12.8032% | 4,772 |
| Total risk-based capital ratio | 14.1265% | 4,676 |
| Memoranda: | ||
| Average total assets | $164,174,800 | 3,630 |
| Average earning assets | $148,167,200 | 3,656 |
| Average equity | $15,249,200 | 3,895 |
| Average total loans | $121,531,600 | 3,290 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 2,183 |
| Cost of funding earning assets | 1.6899% | 1,925 |
| Net interest margin | 3.8776% | 3,626 |
| Noninterest income to average assets | 0.7662% | 2,414 |
| Noninterest expense to average assets | 3.5086% | 2,018 |
| Loan and lease loss provision to assets | 2.7883% | 341 |
| Net operating income to assets | -2.0336% | 7,248 |
| Return on assets (ROA) | -2.0115% | 7,257 |
| Pretax return on assets | -2.0115% | 7,199 |
| Return on Equity (ROE) | -21.5444% | 7,254 |
| Retained earnings to average equity (ytd only) | -21.5444% | 7,240 |
| Net charge-offs to loans | 2.2784% | 786 |
| Credit loss provision to net charge-offs | 164.4166% | 2,290 |
| Earnings coverage of net charge-offs (x) | 0.4450% | 5,580 |
| Efficiency ratio | 82.2977% | 2,031 |
| Assets per employee ($millions) | 4.4502% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6519% | 78 |
| Loan loss allowance to noncurrent loans | 141.3131% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 4.6940% | 1,404 |
| Noncurrent loans to loans | 4.7072% | 1,511 |
| Net loans and leases to total assets | 66.6192% | 3,545 |
| Net loans and leases to deposits | 81.3217% | 3,212 |
| Net loans and leases to core deposits | 95.3662% | 2,338 |
| Total domestic deposits to total assets | 81.9205% | 5,028 |
| Equity capital to assets | 9.1627% | 5,363 |
| Core capital (leverage) ratio | 9.0696% | 4,569 |
| Tier 1 risk-based capital ratio | 12.7729% | 4,755 |
| Total risk-based capital ratio | 14.0913% | 4,683 |
| Memoranda: | ||
| Average total assets | $163,060,000 | 3,693 |
| Average earning assets | $147,062,000 | 3,732 |
| Average equity | $15,224,000 | 3,948 |
| Average total loans | $121,366,750 | 3,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 2,359 |
| Cost of funding earning assets | 1.7296% | 1,969 |
| Net interest margin | 3.8125% | 3,841 |
| Noninterest income to average assets | 0.7364% | 2,472 |
| Noninterest expense to average assets | 3.6425% | 1,678 |
| Loan and lease loss provision to assets | 3.0675% | 314 |
| Net operating income to assets | -2.5297% | 7,425 |
| Return on assets (ROA) | -2.4962% | 7,428 |
| Pretax return on assets | -2.4962% | 7,367 |
| Return on Equity (ROE) | -26.5633% | 7,389 |
| Retained earnings to average equity (ytd only) | -26.5633% | 7,374 |
| Net charge-offs to loans | 2.4755% | 703 |
| Credit loss provision to net charge-offs | 164.1196% | 2,403 |
| Earnings coverage of net charge-offs (x) | 0.2877% | 5,442 |
| Efficiency ratio | 87.1361% | 1,591 |
| Assets per employee ($millions) | 5.3312% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3091% | 89 |
| Loan loss allowance to noncurrent loans | 124.8085% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 5.0246% | 1,278 |
| Noncurrent loans to loans | 5.0550% | 1,362 |
| Net loans and leases to total assets | 68.8016% | 3,171 |
| Net loans and leases to deposits | 86.1887% | 2,481 |
| Net loans and leases to core deposits | 102.4914% | 1,781 |
| Total domestic deposits to total assets | 79.8267% | 5,780 |
| Equity capital to assets | 9.4386% | 4,804 |
| Core capital (leverage) ratio | 9.3794% | 3,996 |
| Tier 1 risk-based capital ratio | 12.7537% | 4,646 |
| Total risk-based capital ratio | 14.0672% | 4,553 |
| Memoranda: | ||
| Average total assets | $161,043,670 | 3,769 |
| Average earning assets | $145,467,670 | 3,788 |
| Average equity | $15,133,670 | 3,966 |
| Average total loans | $121,593,330 | 3,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6238% | 2,058 |
| Cost of funding earning assets | 1.7602% | 2,072 |
| Net interest margin | 3.8636% | 3,496 |
| Noninterest income to average assets | 0.8356% | 1,862 |
| Noninterest expense to average assets | 3.4078% | 2,211 |
| Loan and lease loss provision to assets | 3.3474% | 280 |
| Net operating income to assets | -2.4338% | 7,543 |
| Return on assets (ROA) | -2.3658% | 7,537 |
| Pretax return on assets | -2.3658% | 7,493 |
| Return on Equity (ROE) | -25.2332% | 7,502 |
| Retained earnings to average equity (ytd only) | -25.2332% | 7,462 |
| Net charge-offs to loans | 2.4912% | 660 |
| Credit loss provision to net charge-offs | 175.4617% | 2,075 |
| Earnings coverage of net charge-offs (x) | 0.4789% | 4,597 |
| Efficiency ratio | 78.8585% | 2,749 |
| Assets per employee ($millions) | 5.7781% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0847% | 95 |
| Loan loss allowance to noncurrent loans | 109.5626% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 5.2668% | 1,194 |
| Noncurrent loans to loans | 5.5536% | 1,253 |
| Net loans and leases to total assets | 69.2993% | 3,091 |
| Net loans and leases to deposits | 87.1808% | 2,379 |
| Net loans and leases to core deposits | 107.2233% | 1,478 |
| Total domestic deposits to total assets | 79.4892% | 5,957 |
| Equity capital to assets | 9.5409% | 4,466 |
| Core capital (leverage) ratio | 9.6269% | 3,608 |
| Tier 1 risk-based capital ratio | 12.9393% | 4,379 |
| Total risk-based capital ratio | 14.2490% | 4,306 |
| Memoranda: | ||
| Average total assets | $158,931,500 | 3,865 |
| Average earning assets | $143,390,000 | 3,879 |
| Average equity | $14,901,000 | 4,038 |
| Average total loans | $121,708,000 | 3,433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 1,760 |
| Cost of funding earning assets | 2.1455% | 2,251 |
| Net interest margin | 3.8819% | 3,342 |
| Noninterest income to average assets | 0.9450% | 1,768 |
| Noninterest expense to average assets | 3.2885% | 3,045 |
| Loan and lease loss provision to assets | 3.0914% | 547 |
| Net operating income to assets | -1.9104% | 7,054 |
| Return on assets (ROA) | -1.9085% | 7,052 |
| Pretax return on assets | -1.9085% | 6,900 |
| Return on Equity (ROE) | -20.6371% | 7,159 |
| Retained earnings to average equity (ytd only) | -20.6371% | 7,127 |
| Net charge-offs to loans | 1.9541% | 1,266 |
| Credit loss provision to net charge-offs | 189.7346% | 2,114 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 5,377 |
| Efficiency ratio | 73.5771% | 3,979 |
| Assets per employee ($millions) | 5.2025% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3953% | 133 |
| Loan loss allowance to noncurrent loans | 165.8899% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 3.5477% | 1,888 |
| Noncurrent loans to loans | 3.2523% | 2,345 |
| Net loans and leases to total assets | 75.1831% | 1,990 |
| Net loans and leases to deposits | 94.7414% | 1,497 |
| Net loans and leases to core deposits | 117.8405% | 2,148 |
| Total domestic deposits to total assets | 79.3561% | 5,888 |
| Equity capital to assets | 9.2045% | 4,840 |
| Core capital (leverage) ratio | 9.2968% | 3,981 |
| Tier 1 risk-based capital ratio | 11.6144% | 5,282 |
| Total risk-based capital ratio | 12.9162% | 5,188 |
| Memoranda: | ||
| Average total assets | $157,243,400 | 3,827 |
| Average earning assets | $142,764,200 | 3,843 |
| Average equity | $14,541,800 | 4,137 |
| Average total loans | $131,111,400 | 3,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0570% | 1,806 |
| Cost of funding earning assets | 2.2129% | 2,349 |
| Net interest margin | 3.8441% | 3,463 |
| Noninterest income to average assets | 0.9445% | 1,799 |
| Noninterest expense to average assets | 3.3033% | 2,909 |
| Loan and lease loss provision to assets | 2.2073% | 785 |
| Net operating income to assets | -1.0698% | 6,872 |
| Return on assets (ROA) | -1.0672% | 6,879 |
| Pretax return on assets | -1.0672% | 6,730 |
| Return on Equity (ROE) | -11.5269% | 6,995 |
| Retained earnings to average equity (ytd only) | -11.5269% | 6,922 |
| Net charge-offs to loans | 1.0857% | 1,835 |
| Credit loss provision to net charge-offs | 241.0351% | 1,809 |
| Earnings coverage of net charge-offs (x) | 1.2421% | 4,840 |
| Efficiency ratio | 74.3854% | 3,807 |
| Assets per employee ($millions) | 4.9708% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5921% | 193 |
| Loan loss allowance to noncurrent loans | 111.8481% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 4.0287% | 1,581 |
| Noncurrent loans to loans | 4.1057% | 1,779 |
| Net loans and leases to total assets | 79.8048% | 1,211 |
| Net loans and leases to deposits | 100.7703% | 1,038 |
| Net loans and leases to core deposits | 120.8859% | 2,171 |
| Total domestic deposits to total assets | 79.1948% | 5,738 |
| Equity capital to assets | 9.1949% | 5,174 |
| Core capital (leverage) ratio | 9.1106% | 4,474 |
| Tier 1 risk-based capital ratio | 11.0910% | 5,861 |
| Total risk-based capital ratio | 12.3831% | 5,775 |
| Memoranda: | ||
| Average total assets | $157,535,500 | 3,842 |
| Average earning assets | $143,280,000 | 3,855 |
| Average equity | $14,585,750 | 4,172 |
| Average total loans | $132,880,750 | 3,243 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 1,969 |
| Cost of funding earning assets | 2.2714% | 2,486 |
| Net interest margin | 3.7819% | 3,630 |
| Noninterest income to average assets | 1.0474% | 1,439 |
| Noninterest expense to average assets | 3.4093% | 2,595 |
| Loan and lease loss provision to assets | 1.7368% | 963 |
| Net operating income to assets | -0.6529% | 6,709 |
| Return on assets (ROA) | -0.6491% | 6,709 |
| Pretax return on assets | -0.6491% | 6,566 |
| Return on Equity (ROE) | -6.9951% | 6,799 |
| Retained earnings to average equity (ytd only) | -6.9951% | 6,557 |
| Net charge-offs to loans | 0.8092% | 2,066 |
| Credit loss provision to net charge-offs | 253.7753% | 1,835 |
| Earnings coverage of net charge-offs (x) | 1.5838% | 4,353 |
| Efficiency ratio | 75.8766% | 3,713 |
| Assets per employee ($millions) | 4.8379% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0077% | 255 |
| Loan loss allowance to noncurrent loans | 83.1028% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 4.3330% | 1,330 |
| Noncurrent loans to loans | 4.8226% | 1,292 |
| Net loans and leases to total assets | 80.8852% | 1,160 |
| Net loans and leases to deposits | 102.8467% | 1,007 |
| Net loans and leases to core deposits | 124.3780% | 1,993 |
| Total domestic deposits to total assets | 78.6464% | 5,917 |
| Equity capital to assets | 9.6097% | 4,479 |
| Core capital (leverage) ratio | 9.3507% | 4,097 |
| Tier 1 risk-based capital ratio | 11.4837% | 5,399 |
| Total risk-based capital ratio | 12.7681% | 5,289 |
| Memoranda: | ||
| Average total assets | $158,682,000 | 3,855 |
| Average earning assets | $144,581,670 | 3,850 |
| Average equity | $14,724,670 | 4,154 |
| Average total loans | $134,209,330 | 3,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0814% | 2,011 |
| Cost of funding earning assets | 2.3691% | 2,420 |
| Net interest margin | 3.7123% | 3,835 |
| Noninterest income to average assets | 0.9439% | 1,672 |
| Noninterest expense to average assets | 3.3272% | 2,576 |
| Loan and lease loss provision to assets | 2.2364% | 528 |
| Net operating income to assets | -1.2402% | 7,387 |
| Return on assets (ROA) | -1.2402% | 7,403 |
| Pretax return on assets | -1.2402% | 7,271 |
| Return on Equity (ROE) | -13.5987% | 7,546 |
| Retained earnings to average equity (ytd only) | -13.5987% | 7,358 |
| Net charge-offs to loans | 1.2580% | 1,117 |
| Credit loss provision to net charge-offs | 209.8131% | 2,139 |
| Earnings coverage of net charge-offs (x) | 0.9346% | 4,300 |
| Efficiency ratio | 76.9585% | 3,332 |
| Assets per employee ($millions) | 4.8247% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6274% | 290 |
| Loan loss allowance to noncurrent loans | 84.5298% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 3.9507% | 1,307 |
| Noncurrent loans to loans | 4.2913% | 1,369 |
| Net loans and leases to total assets | 81.1480% | 1,175 |
| Net loans and leases to deposits | 102.3156% | 1,144 |
| Net loans and leases to core deposits | 120.2892% | 2,392 |
| Total domestic deposits to total assets | 79.3115% | 5,604 |
| Equity capital to assets | 9.3302% | 4,894 |
| Core capital (leverage) ratio | 9.1608% | 4,464 |
| Tier 1 risk-based capital ratio | 11.0284% | 5,887 |
| Total risk-based capital ratio | 12.3074% | 5,761 |
| Memoranda: | ||
| Average total assets | $160,617,000 | 3,822 |
| Average earning assets | $146,217,000 | 3,823 |
| Average equity | $14,648,500 | 4,202 |
| Average total loans | $136,090,000 | 3,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8799% | 1,464 |
| Cost of funding earning assets | 3.0811% | 1,569 |
| Net interest margin | 3.7988% | 4,023 |
| Noninterest income to average assets | 0.6392% | 3,559 |
| Noninterest expense to average assets | 3.1102% | 3,658 |
| Loan and lease loss provision to assets | 3.4050% | 245 |
| Net operating income to assets | -2.4215% | 7,688 |
| Return on assets (ROA) | -2.4215% | 7,655 |
| Pretax return on assets | -2.4215% | 7,568 |
| Return on Equity (ROE) | -28.0502% | 7,923 |
| Retained earnings to average equity (ytd only) | -31.3802% | 7,933 |
| Net charge-offs to loans | 2.1816% | 475 |
| Credit loss provision to net charge-offs | 180.1618% | 2,798 |
| Earnings coverage of net charge-offs (x) | 0.5204% | 5,918 |
| Efficiency ratio | 75.9749% | 3,236 |
| Assets per employee ($millions) | 3.9517% | 3,619 |
| Cash dividends to net income (ytd only)* | -11.8717% | 7,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1806% | 374 |
| Loan loss allowance to noncurrent loans | 86.8697% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 3.3687% | 1,334 |
| Noncurrent loans to loans | 3.6614% | 1,379 |
| Net loans and leases to total assets | 82.5361% | 1,132 |
| Net loans and leases to deposits | 103.3487% | 1,419 |
| Net loans and leases to core deposits | 128.6720% | 1,950 |
| Total domestic deposits to total assets | 79.8617% | 5,077 |
| Equity capital to assets | 8.9137% | 5,481 |
| Core capital (leverage) ratio | 8.6827% | 5,227 |
| Tier 1 risk-based capital ratio | 10.4231% | 6,291 |
| Total risk-based capital ratio | 11.6969% | 6,145 |
| Memoranda: | ||
| Average total assets | $163,494,600 | 3,656 |
| Average earning assets | $148,679,600 | 3,680 |
| Average equity | $14,114,000 | 4,317 |
| Average total loans | $141,640,600 | 3,068 |