Home > Second Federal Savings and Loan Association of Chicago > Performance and Condition Ratios
Second Federal Savings and Loan Association of Chicago, Performance and Condition Ratios
| 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 | 4.4601% | 3,941 |
| Cost of funding earning assets | 1.0984% | 1,228 |
| Net interest margin | 3.3617% | 5,225 |
| Noninterest income to average assets | 0.2050% | 6,094 |
| Noninterest expense to average assets | 4.6557% | 475 |
| Loan and lease loss provision to assets | 4.0201% | 24 |
| Net operating income to assets | -5.5299% | 7,215 |
| Return on assets (ROA) | -5.5064% | 7,216 |
| Pretax return on assets | -5.5064% | 7,215 |
| Return on Equity (ROE) | -628.7711% | 7,243 |
| Retained earnings to average equity (ytd only) | -628.7711% | 7,243 |
| Net charge-offs to loans | 4.9205% | 67 |
| Credit loss provision to net charge-offs | 109.2598% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.4103% | 5,214 |
| Efficiency ratio | 147.9896% | 108 |
| Assets per employee ($millions) | 3.0789% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9131% | 858 |
| Loan loss allowance to noncurrent loans | 28.2058% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 12.7471% | 153 |
| Noncurrent loans to loans | 10.3282% | 247 |
| Net loans and leases to total assets | 72.1569% | 1,531 |
| Net loans and leases to deposits | 80.2560% | 2,348 |
| Net loans and leases to core deposits | 81.0489% | 3,081 |
| Total domestic deposits to total assets | 89.9084% | 975 |
| Equity capital to assets | -0.7056% | 7,243 |
| Core capital (leverage) ratio | -0.7297% | 7,243 |
| Tier 1 risk-based capital ratio | -1.2794% | 7,243 |
| Total risk-based capital ratio | -1.2794% | 7,243 |
| Memoranda: | ||
| Average total assets | $196,062,670 | 3,135 |
| Average earning assets | $171,522,330 | 3,251 |
| Average equity | $1,717,000 | 7,142 |
| Average total loans | $146,611,330 | 2,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 3,817 |
| Cost of funding earning assets | 1.1133% | 1,332 |
| Net interest margin | 3.4120% | 5,073 |
| Noninterest income to average assets | 0.3685% | 4,923 |
| Noninterest expense to average assets | 4.5608% | 525 |
| Loan and lease loss provision to assets | 1.9733% | 145 |
| Net operating income to assets | -3.2097% | 7,234 |
| Return on assets (ROA) | -3.1634% | 7,231 |
| Pretax return on assets | -3.1634% | 7,219 |
| Return on Equity (ROE) | -193.4134% | 7,284 |
| Retained earnings to average equity (ytd only) | -193.4134% | 7,281 |
| Net charge-offs to loans | 2.8111% | 271 |
| Credit loss provision to net charge-offs | 93.6008% | 2,484 |
| Earnings coverage of net charge-offs (x) | -0.5864% | 4,515 |
| Efficiency ratio | 137.1896% | 144 |
| Assets per employee ($millions) | 3.2105% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5335% | 1,308 |
| Loan loss allowance to noncurrent loans | 24.4573% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 12.7548% | 176 |
| Noncurrent loans to loans | 10.3587% | 280 |
| Net loans and leases to total assets | 71.8589% | 1,425 |
| Net loans and leases to deposits | 81.3247% | 2,016 |
| Net loans and leases to core deposits | 82.3629% | 2,774 |
| Total domestic deposits to total assets | 88.3604% | 2,091 |
| Equity capital to assets | 1.2253% | 7,297 |
| Core capital (leverage) ratio | 1.2228% | 7,298 |
| Tier 1 risk-based capital ratio | 2.0687% | 7,296 |
| Total risk-based capital ratio | 2.7274% | 7,299 |
| Memoranda: | ||
| Average total assets | $198,648,500 | 3,122 |
| Average earning assets | $172,099,000 | 3,255 |
| Average equity | $3,249,000 | 6,913 |
| Average total loans | $148,980,000 | 2,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 1,828 |
| Cost of funding earning assets | 1.3069% | 1,451 |
| Net interest margin | 3.9546% | 3,086 |
| Noninterest income to average assets | -0.4395% | 7,248 |
| Noninterest expense to average assets | 4.2034% | 804 |
| Loan and lease loss provision to assets | 1.4806% | 503 |
| Net operating income to assets | -2.8235% | 7,158 |
| Return on assets (ROA) | -2.8235% | 7,164 |
| Pretax return on assets | -2.8235% | 7,166 |
| Return on Equity (ROE) | -80.7226% | 7,290 |
| Retained earnings to average equity (ytd only) | -80.7226% | 7,290 |
| Net charge-offs to loans | 2.0070% | 686 |
| Credit loss provision to net charge-offs | 96.3171% | 3,741 |
| Earnings coverage of net charge-offs (x) | -0.8736% | 6,166 |
| Efficiency ratio | 146.9473% | 153 |
| Assets per employee ($millions) | 3.0975% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5125% | 1,300 |
| Loan loss allowance to noncurrent loans | 27.7989% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 11.8466% | 218 |
| Noncurrent loans to loans | 9.0381% | 389 |
| Net loans and leases to total assets | 74.3557% | 1,207 |
| Net loans and leases to deposits | 86.2719% | 1,635 |
| Net loans and leases to core deposits | 87.4128% | 2,449 |
| Total domestic deposits to total assets | 86.1877% | 3,206 |
| Equity capital to assets | 2.0475% | 7,322 |
| Core capital (leverage) ratio | 2.0159% | 7,324 |
| Tier 1 risk-based capital ratio | 2.7776% | 7,322 |
| Total risk-based capital ratio | 4.0330% | 7,322 |
| Memoranda: | ||
| Average total assets | $208,426,200 | 2,964 |
| Average earning assets | $173,923,200 | 3,173 |
| Average equity | $7,290,400 | 5,783 |
| Average total loans | $159,641,800 | 2,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3380% | 1,726 |
| Cost of funding earning assets | 1.3197% | 1,595 |
| Net interest margin | 4.0183% | 2,839 |
| Noninterest income to average assets | -0.4443% | 7,336 |
| Noninterest expense to average assets | 4.0674% | 933 |
| Loan and lease loss provision to assets | 1.0718% | 776 |
| Net operating income to assets | -2.2353% | 7,183 |
| Return on assets (ROA) | -2.2353% | 7,189 |
| Pretax return on assets | -2.2353% | 7,169 |
| Return on Equity (ROE) | -58.2333% | 7,314 |
| Retained earnings to average equity (ytd only) | -58.2333% | 7,311 |
| Net charge-offs to loans | 1.5340% | 941 |
| Credit loss provision to net charge-offs | 91.1338% | 3,735 |
| Earnings coverage of net charge-offs (x) | -0.9893% | 5,929 |
| Efficiency ratio | 140.0653% | 182 |
| Assets per employee ($millions) | 3.0715% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4189% | 1,509 |
| Loan loss allowance to noncurrent loans | 28.8371% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 11.0777% | 287 |
| Noncurrent loans to loans | 8.3881% | 505 |
| Net loans and leases to total assets | 72.4692% | 1,617 |
| Net loans and leases to deposits | 84.0497% | 1,990 |
| Net loans and leases to core deposits | 85.1332% | 2,893 |
| Total domestic deposits to total assets | 86.2219% | 3,080 |
| Equity capital to assets | 3.0255% | 7,360 |
| Core capital (leverage) ratio | 3.0361% | 7,351 |
| Tier 1 risk-based capital ratio | 4.6917% | 7,339 |
| Total risk-based capital ratio | 5.9405% | 7,340 |
| Memoranda: | ||
| Average total assets | $210,972,000 | 2,940 |
| Average earning assets | $175,790,500 | 3,161 |
| Average equity | $8,098,250 | 5,567 |
| Average total loans | $161,751,250 | 2,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 1,679 |
| Cost of funding earning assets | 1.3264% | 1,786 |
| Net interest margin | 4.0366% | 2,666 |
| Noninterest income to average assets | -0.4365% | 7,421 |
| Noninterest expense to average assets | 3.9835% | 1,074 |
| Loan and lease loss provision to assets | 1.1026% | 741 |
| Net operating income to assets | -2.1297% | 7,210 |
| Return on assets (ROA) | -2.1297% | 7,219 |
| Pretax return on assets | -2.1297% | 7,188 |
| Return on Equity (ROE) | -51.8678% | 7,352 |
| Retained earnings to average equity (ytd only) | -51.8678% | 7,349 |
| Net charge-offs to loans | 1.0990% | 1,434 |
| Credit loss provision to net charge-offs | 129.5228% | 2,357 |
| Earnings coverage of net charge-offs (x) | -1.2064% | 5,659 |
| Efficiency ratio | 134.7395% | 228 |
| Assets per employee ($millions) | 3.1587% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6204% | 1,287 |
| Loan loss allowance to noncurrent loans | 29.2459% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 11.2171% | 295 |
| Noncurrent loans to loans | 8.9600% | 466 |
| Net loans and leases to total assets | 73.4158% | 1,516 |
| Net loans and leases to deposits | 85.4932% | 1,860 |
| Net loans and leases to core deposits | 86.4609% | 2,834 |
| Total domestic deposits to total assets | 85.8732% | 3,395 |
| Equity capital to assets | 3.6119% | 7,408 |
| Core capital (leverage) ratio | 3.6119% | 7,397 |
| Tier 1 risk-based capital ratio | 5.5862% | 7,376 |
| Total risk-based capital ratio | 6.8361% | 7,378 |
| Memoranda: | ||
| Average total assets | $211,675,670 | 2,953 |
| Average earning assets | $177,923,330 | 3,163 |
| Average equity | $8,691,330 | 5,413 |
| Average total loans | $163,964,330 | 2,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 1,047 |
| Cost of funding earning assets | 1.3304% | 2,009 |
| Net interest margin | 4.2729% | 1,654 |
| Noninterest income to average assets | -0.4025% | 7,483 |
| Noninterest expense to average assets | 4.0341% | 998 |
| Loan and lease loss provision to assets | 1.3264% | 510 |
| Net operating income to assets | -2.1521% | 7,309 |
| Return on assets (ROA) | -2.1521% | 7,306 |
| Pretax return on assets | -2.1521% | 7,282 |
| Return on Equity (ROE) | -49.4411% | 7,414 |
| Retained earnings to average equity (ytd only) | -49.4411% | 7,400 |
| Net charge-offs to loans | 1.7163% | 768 |
| Credit loss provision to net charge-offs | 98.4572% | 2,775 |
| Earnings coverage of net charge-offs (x) | -0.6129% | 4,828 |
| Efficiency ratio | 125.7362% | 295 |
| Assets per employee ($millions) | 2.9628% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7395% | 1,164 |
| Loan loss allowance to noncurrent loans | 35.9929% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 10.4604% | 377 |
| Noncurrent loans to loans | 7.6113% | 680 |
| Net loans and leases to total assets | 74.6276% | 1,246 |
| Net loans and leases to deposits | 87.3061% | 1,547 |
| Net loans and leases to core deposits | 88.2871% | 2,564 |
| Total domestic deposits to total assets | 85.4780% | 3,796 |
| Equity capital to assets | 4.0423% | 7,439 |
| Core capital (leverage) ratio | 4.1000% | 7,428 |
| Tier 1 risk-based capital ratio | 6.5412% | 7,401 |
| Total risk-based capital ratio | 7.7941% | 7,402 |
| Memoranda: | ||
| Average total assets | $211,697,000 | 2,970 |
| Average earning assets | $178,894,500 | 3,166 |
| Average equity | $9,215,000 | 5,258 |
| Average total loans | $166,170,000 | 2,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 3,508 |
| Cost of funding earning assets | 1.5936% | 2,104 |
| Net interest margin | 3.6268% | 4,686 |
| Noninterest income to average assets | -0.2452% | 7,488 |
| Noninterest expense to average assets | 3.6955% | 1,709 |
| Loan and lease loss provision to assets | 2.4986% | 445 |
| Net operating income to assets | -3.3776% | 7,355 |
| Return on assets (ROA) | -3.3537% | 7,368 |
| Pretax return on assets | -3.1898% | 7,327 |
| Return on Equity (ROE) | -54.9823% | 7,450 |
| Retained earnings to average equity (ytd only) | -54.9823% | 7,447 |
| Net charge-offs to loans | 3.3463% | 450 |
| Credit loss provision to net charge-offs | 91.7745% | 5,054 |
| Earnings coverage of net charge-offs (x) | -0.2627% | 6,333 |
| Efficiency ratio | 123.9964% | 367 |
| Assets per employee ($millions) | 3.1830% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6609% | 1,215 |
| Loan loss allowance to noncurrent loans | 34.8285% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 9.7155% | 428 |
| Noncurrent loans to loans | 7.6401% | 698 |
| Net loans and leases to total assets | 78.1498% | 922 |
| Net loans and leases to deposits | 92.1818% | 1,253 |
| Net loans and leases to core deposits | 93.2388% | 2,351 |
| Total domestic deposits to total assets | 84.7779% | 3,957 |
| Equity capital to assets | 4.6683% | 7,464 |
| Core capital (leverage) ratio | 4.6923% | 7,441 |
| Tier 1 risk-based capital ratio | 7.6554% | 7,377 |
| Total risk-based capital ratio | 8.9122% | 7,379 |
| Memoranda: | ||
| Average total assets | $221,486,200 | 2,846 |
| Average earning assets | $196,976,000 | 2,916 |
| Average equity | $13,509,800 | 4,256 |
| Average total loans | $180,197,000 | 2,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 4,183 |
| Cost of funding earning assets | 1.6659% | 2,024 |
| Net interest margin | 3.4610% | 5,448 |
| Noninterest income to average assets | -0.1860% | 7,588 |
| Noninterest expense to average assets | 3.6141% | 1,758 |
| Loan and lease loss provision to assets | 2.3642% | 458 |
| Net operating income to assets | -3.0602% | 7,462 |
| Return on assets (ROA) | -3.0423% | 7,469 |
| Pretax return on assets | -3.0423% | 7,432 |
| Return on Equity (ROE) | -47.2804% | 7,544 |
| Retained earnings to average equity (ytd only) | -47.2804% | 7,542 |
| Net charge-offs to loans | 3.1570% | 468 |
| Credit loss provision to net charge-offs | 91.7647% | 4,701 |
| Earnings coverage of net charge-offs (x) | -0.2701% | 6,227 |
| Efficiency ratio | 123.8493% | 358 |
| Assets per employee ($millions) | 3.2962% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6496% | 1,142 |
| Loan loss allowance to noncurrent loans | 26.3215% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 11.4681% | 304 |
| Noncurrent loans to loans | 10.0662% | 416 |
| Net loans and leases to total assets | 78.1283% | 1,022 |
| Net loans and leases to deposits | 94.3910% | 1,159 |
| Net loans and leases to core deposits | 95.2357% | 2,350 |
| Total domestic deposits to total assets | 82.7709% | 4,692 |
| Equity capital to assets | 5.6253% | 7,525 |
| Core capital (leverage) ratio | 5.6090% | 7,481 |
| Tier 1 risk-based capital ratio | 9.0209% | 7,359 |
| Total risk-based capital ratio | 10.2702% | 7,378 |
| Memoranda: | ||
| Average total assets | $224,338,750 | 2,853 |
| Average earning assets | $201,209,500 | 2,899 |
| Average equity | $14,435,500 | 4,104 |
| Average total loans | $183,080,750 | 2,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 4,478 |
| Cost of funding earning assets | 1.7369% | 1,932 |
| Net interest margin | 3.3589% | 5,803 |
| Noninterest income to average assets | -0.1995% | 7,679 |
| Noninterest expense to average assets | 3.4925% | 2,046 |
| Loan and lease loss provision to assets | 2.7043% | 396 |
| Net operating income to assets | -3.3513% | 7,558 |
| Return on assets (ROA) | -3.3433% | 7,560 |
| Pretax return on assets | -3.3433% | 7,520 |
| Return on Equity (ROE) | -49.9473% | 7,608 |
| Retained earnings to average equity (ytd only) | -49.9473% | 7,603 |
| Net charge-offs to loans | 3.2016% | 480 |
| Credit loss provision to net charge-offs | 102.9570% | 3,956 |
| Earnings coverage of net charge-offs (x) | -0.2463% | 5,901 |
| Efficiency ratio | 122.7357% | 382 |
| Assets per employee ($millions) | 3.3988% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7809% | 1,015 |
| Loan loss allowance to noncurrent loans | 26.1146% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 11.6807% | 285 |
| Noncurrent loans to loans | 10.6489% | 393 |
| Net loans and leases to total assets | 80.4869% | 727 |
| Net loans and leases to deposits | 100.1384% | 710 |
| Net loans and leases to core deposits | 101.0645% | 1,914 |
| Total domestic deposits to total assets | 80.3757% | 5,605 |
| Equity capital to assets | 6.2422% | 7,507 |
| Core capital (leverage) ratio | 6.1969% | 7,447 |
| Tier 1 risk-based capital ratio | 9.6475% | 7,202 |
| Total risk-based capital ratio | 10.8978% | 7,198 |
| Memoranda: | ||
| Average total assets | $226,601,330 | 2,852 |
| Average earning assets | $205,423,670 | 2,871 |
| Average equity | $15,168,000 | 3,959 |
| Average total loans | $185,909,330 | 2,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 4,558 |
| Cost of funding earning assets | 1.7380% | 2,194 |
| Net interest margin | 3.3561% | 5,764 |
| Noninterest income to average assets | -0.1367% | 7,772 |
| Noninterest expense to average assets | 3.3919% | 2,260 |
| Loan and lease loss provision to assets | 4.2658% | 196 |
| Net operating income to assets | -4.7434% | 7,767 |
| Return on assets (ROA) | -4.7382% | 7,775 |
| Pretax return on assets | -4.7382% | 7,743 |
| Return on Equity (ROE) | -68.6087% | 7,763 |
| Retained earnings to average equity (ytd only) | -68.6087% | 7,756 |
| Net charge-offs to loans | 5.5671% | 202 |
| Credit loss provision to net charge-offs | 93.7976% | 3,568 |
| Earnings coverage of net charge-offs (x) | -0.1050% | 5,104 |
| Efficiency ratio | 116.3895% | 488 |
| Assets per employee ($millions) | 3.7803% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,262 |
| Loan loss allowance to noncurrent loans | 21.9476% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 11.3911% | 307 |
| Noncurrent loans to loans | 11.4928% | 323 |
| Net loans and leases to total assets | 79.8736% | 858 |
| Net loans and leases to deposits | 106.4999% | 405 |
| Net loans and leases to core deposits | 107.9641% | 1,420 |
| Total domestic deposits to total assets | 74.9988% | 6,900 |
| Equity capital to assets | 6.4347% | 7,542 |
| Core capital (leverage) ratio | 6.4041% | 7,496 |
| Tier 1 risk-based capital ratio | 9.1527% | 7,443 |
| Total risk-based capital ratio | 10.4030% | 7,451 |
| Memoranda: | ||
| Average total assets | $231,141,500 | 2,864 |
| Average earning assets | $210,127,000 | 2,873 |
| Average equity | $15,963,000 | 3,830 |
| Average total loans | $188,822,000 | 2,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 4,624 |
| Cost of funding earning assets | 2.0871% | 2,527 |
| Net interest margin | 3.3277% | 5,629 |
| Noninterest income to average assets | 0.0971% | 7,280 |
| Noninterest expense to average assets | 4.1059% | 1,220 |
| Loan and lease loss provision to assets | 4.0222% | 333 |
| Net operating income to assets | -4.1167% | 7,625 |
| Return on assets (ROA) | -4.0787% | 7,617 |
| Pretax return on assets | -4.9166% | 7,690 |
| Return on Equity (ROE) | -48.5778% | 7,673 |
| Retained earnings to average equity (ytd only) | -48.5778% | 7,666 |
| Net charge-offs to loans | 4.6613% | 302 |
| Credit loss provision to net charge-offs | 107.1083% | 5,176 |
| Earnings coverage of net charge-offs (x) | -0.2504% | 6,503 |
| Efficiency ratio | 129.6994% | 482 |
| Assets per employee ($millions) | 3.9244% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4882% | 1,244 |
| Loan loss allowance to noncurrent loans | 21.9938% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 10.9409% | 307 |
| Noncurrent loans to loans | 11.3130% | 324 |
| Net loans and leases to total assets | 79.4242% | 1,113 |
| Net loans and leases to deposits | 108.2682% | 448 |
| Net loans and leases to core deposits | 128.6375% | 1,356 |
| Total domestic deposits to total assets | 73.3588% | 7,108 |
| Equity capital to assets | 7.3603% | 7,153 |
| Core capital (leverage) ratio | 7.3315% | 6,954 |
| Tier 1 risk-based capital ratio | 9.9110% | 6,944 |
| Total risk-based capital ratio | 11.1610% | 6,922 |
| Memoranda: | ||
| Average total assets | $253,243,000 | 2,576 |
| Average earning assets | $233,524,600 | 2,567 |
| Average equity | $21,262,800 | 3,044 |
| Average total loans | $204,019,200 | 2,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 4,720 |
| Cost of funding earning assets | 2.1219% | 2,792 |
| Net interest margin | 3.3206% | 5,561 |
| Noninterest income to average assets | 0.0636% | 7,594 |
| Noninterest expense to average assets | 4.3219% | 887 |
| Loan and lease loss provision to assets | 4.6603% | 204 |
| Net operating income to assets | -5.8912% | 7,918 |
| Return on assets (ROA) | -5.8726% | 7,915 |
| Pretax return on assets | -5.8240% | 7,897 |
| Return on Equity (ROE) | -68.0263% | 7,925 |
| Retained earnings to average equity (ytd only) | -68.0263% | 7,922 |
| Net charge-offs to loans | 5.3763% | 185 |
| Credit loss provision to net charge-offs | 107.8683% | 4,712 |
| Earnings coverage of net charge-offs (x) | -0.2737% | 6,338 |
| Efficiency ratio | 137.6566% | 403 |
| Assets per employee ($millions) | 4.1328% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3649% | 1,211 |
| Loan loss allowance to noncurrent loans | 24.3004% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 9.6411% | 369 |
| Noncurrent loans to loans | 9.7319% | 416 |
| Net loans and leases to total assets | 77.7859% | 1,615 |
| Net loans and leases to deposits | 104.7872% | 718 |
| Net loans and leases to core deposits | 126.9030% | 1,658 |
| Total domestic deposits to total assets | 74.2323% | 6,908 |
| Equity capital to assets | 6.6161% | 7,734 |
| Core capital (leverage) ratio | 6.5537% | 7,648 |
| Tier 1 risk-based capital ratio | 9.0097% | 7,618 |
| Total risk-based capital ratio | 10.2767% | 7,621 |
| Memoranda: | ||
| Average total assets | $257,687,250 | 2,550 |
| Average earning assets | $238,708,500 | 2,536 |
| Average equity | $22,245,750 | 2,942 |
| Average total loans | $207,076,750 | 2,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 4,883 |
| Cost of funding earning assets | 2.1078% | 3,228 |
| Net interest margin | 3.3444% | 5,387 |
| Noninterest income to average assets | 0.1035% | 7,461 |
| Noninterest expense to average assets | 3.7420% | 1,757 |
| Loan and lease loss provision to assets | 5.1217% | 192 |
| Net operating income to assets | -5.7250% | 7,987 |
| Return on assets (ROA) | -5.7005% | 7,978 |
| Pretax return on assets | -5.6284% | 7,931 |
| Return on Equity (ROE) | -61.4823% | 7,981 |
| Retained earnings to average equity (ytd only) | -61.4823% | 7,976 |
| Net charge-offs to loans | 5.8340% | 194 |
| Credit loss provision to net charge-offs | 108.9516% | 4,244 |
| Earnings coverage of net charge-offs (x) | -0.1130% | 5,806 |
| Efficiency ratio | 116.5433% | 729 |
| Assets per employee ($millions) | 3.2211% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 2,389 |
| Loan loss allowance to noncurrent loans | 18.6077% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 8.7548% | 398 |
| Noncurrent loans to loans | 9.0660% | 432 |
| Net loans and leases to total assets | 79.4221% | 1,427 |
| Net loans and leases to deposits | 112.0713% | 475 |
| Net loans and leases to core deposits | 131.2470% | 1,472 |
| Total domestic deposits to total assets | 70.8675% | 7,384 |
| Equity capital to assets | 8.0678% | 6,668 |
| Core capital (leverage) ratio | 8.0209% | 6,288 |
| Tier 1 risk-based capital ratio | 11.2149% | 5,672 |
| Total risk-based capital ratio | 12.4650% | 5,588 |
| Memoranda: | ||
| Average total assets | $260,926,670 | 2,533 |
| Average earning assets | $242,433,670 | 2,500 |
| Average equity | $24,192,330 | 2,731 |
| Average total loans | $210,250,000 | 2,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5158% | 4,826 |
| Cost of funding earning assets | 2.1282% | 3,519 |
| Net interest margin | 3.3876% | 5,178 |
| Noninterest income to average assets | 0.1234% | 7,409 |
| Noninterest expense to average assets | 3.4858% | 2,139 |
| Loan and lease loss provision to assets | 4.6778% | 185 |
| Net operating income to assets | -4.7854% | 8,026 |
| Return on assets (ROA) | -4.7500% | 8,016 |
| Pretax return on assets | -4.8463% | 7,973 |
| Return on Equity (ROE) | -48.2689% | 8,037 |
| Retained earnings to average equity (ytd only) | -48.2689% | 8,021 |
| Net charge-offs to loans | 4.4396% | 253 |
| Credit loss provision to net charge-offs | 130.9183% | 3,062 |
| Earnings coverage of net charge-offs (x) | -0.0573% | 5,031 |
| Efficiency ratio | 106.2385% | 923 |
| Assets per employee ($millions) | 3.2510% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 2,123 |
| Loan loss allowance to noncurrent loans | 24.8537% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 6.0488% | 651 |
| Noncurrent loans to loans | 6.8668% | 600 |
| Net loans and leases to total assets | 77.9718% | 1,831 |
| Net loans and leases to deposits | 114.9168% | 410 |
| Net loans and leases to core deposits | 136.1031% | 1,303 |
| Total domestic deposits to total assets | 67.8507% | 7,602 |
| Equity capital to assets | 9.2212% | 5,062 |
| Core capital (leverage) ratio | 9.1677% | 4,455 |
| Tier 1 risk-based capital ratio | 14.3798% | 3,375 |
| Total risk-based capital ratio | 15.6297% | 3,296 |
| Memoranda: | ||
| Average total assets | $265,767,500 | 2,498 |
| Average earning assets | $247,725,500 | 2,467 |
| Average equity | $26,153,500 | 2,557 |
| Average total loans | $213,891,000 | 2,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2765% | 4,089 |
| Cost of funding earning assets | 2.1272% | 5,942 |
| Net interest margin | 4.1493% | 2,507 |
| Noninterest income to average assets | 0.1979% | 7,031 |
| Noninterest expense to average assets | 3.8672% | 1,626 |
| Loan and lease loss provision to assets | 0.9234% | 1,611 |
| Net operating income to assets | -0.7430% | 7,096 |
| Return on assets (ROA) | -0.7252% | 6,984 |
| Pretax return on assets | -0.7387% | 6,838 |
| Return on Equity (ROE) | -6.4966% | 7,001 |
| Retained earnings to average equity (ytd only) | -6.4966% | 6,724 |
| Net charge-offs to loans | 0.7638% | 1,623 |
| Credit loss provision to net charge-offs | 141.6271% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 6,076 |
| Efficiency ratio | 95.8725% | 1,163 |
| Assets per employee ($millions) | 3.3119% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,598 |
| Loan loss allowance to noncurrent loans | 25.5374% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 5.0122% | 691 |
| Noncurrent loans to loans | 5.2044% | 817 |
| Net loans and leases to total assets | 80.5574% | 1,537 |
| Net loans and leases to deposits | 123.1074% | 320 |
| Net loans and leases to core deposits | 145.2704% | 1,042 |
| Total domestic deposits to total assets | 65.4366% | 7,690 |
| Equity capital to assets | 10.4641% | 3,544 |
| Core capital (leverage) ratio | 10.4119% | 3,058 |
| Tier 1 risk-based capital ratio | 16.1098% | 2,623 |
| Total risk-based capital ratio | 17.3598% | 2,560 |
| Memoranda: | ||
| Average total assets | $258,274,200 | 2,478 |
| Average earning assets | $238,764,400 | 2,465 |
| Average equity | $28,830,400 | 2,345 |
| Average total loans | $220,475,600 | 2,121 |