Home > Security Exchange Bank > Performance and Condition Ratios
Security Exchange Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 6,389 |
| Cost of funding earning assets | 1.5974% | 188 |
| Net interest margin | 2.1337% | 7,118 |
| Noninterest income to average assets | 0.9391% | 1,599 |
| Noninterest expense to average assets | 2.9136% | 3,570 |
| Loan and lease loss provision to assets | 0.2055% | 2,898 |
| Net operating income to assets | -0.7310% | 6,927 |
| Return on assets (ROA) | -0.7310% | 6,947 |
| Pretax return on assets | -0.7310% | 6,908 |
| Return on Equity (ROE) | -36.7500% | 7,190 |
| Retained earnings to average equity (ytd only) | -36.7500% | 7,171 |
| Net charge-offs to loans | 3.7083% | 167 |
| Credit loss provision to net charge-offs | 11.6006% | 3,880 |
| Earnings coverage of net charge-offs (x) | -0.2966% | 4,461 |
| Efficiency ratio | 122.0044% | 202 |
| Assets per employee ($millions) | 7.9454% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4600% | 1,412 |
| Loan loss allowance to noncurrent loans | 15.3988% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 38.1712% | 2 |
| Noncurrent loans to loans | 15.9752% | 105 |
| Net loans and leases to total assets | 46.1480% | 5,766 |
| Net loans and leases to deposits | 47.1047% | 6,353 |
| Net loans and leases to core deposits | 48.5298% | 6,426 |
| Total domestic deposits to total assets | 97.9690% | 7 |
| Equity capital to assets | 1.9462% | 7,284 |
| Core capital (leverage) ratio | 1.9624% | 7,285 |
| Tier 1 risk-based capital ratio | 2.5397% | 7,292 |
| Total risk-based capital ratio | 3.7927% | 7,291 |
| Memoranda: | ||
| Average total assets | $153,761,000 | 3,808 |
| Average earning assets | $104,421,000 | 4,589 |
| Average equity | $3,058,500 | 6,946 |
| Average total loans | $73,457,500 | 4,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 3,660 |
| Cost of funding earning assets | 1.9854% | 108 |
| Net interest margin | 2.8459% | 6,767 |
| Noninterest income to average assets | -1.1693% | 7,331 |
| Noninterest expense to average assets | 3.0486% | 3,404 |
| Loan and lease loss provision to assets | 0.2746% | 3,472 |
| Net operating income to assets | -2.4795% | 7,111 |
| Return on assets (ROA) | -2.0112% | 7,038 |
| Pretax return on assets | -2.0112% | 7,026 |
| Return on Equity (ROE) | -67.8782% | 7,266 |
| Retained earnings to average equity (ytd only) | -67.8782% | 7,266 |
| Net charge-offs to loans | 1.2894% | 1,280 |
| Credit loss provision to net charge-offs | 42.8037% | 5,577 |
| Earnings coverage of net charge-offs (x) | -3.4364% | 6,336 |
| Efficiency ratio | 361.3362% | 20 |
| Assets per employee ($millions) | 8.2400% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1248% | 730 |
| Loan loss allowance to noncurrent loans | 19.9072% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 36.2928% | 2 |
| Noncurrent loans to loans | 15.6970% | 118 |
| Net loans and leases to total assets | 46.7124% | 5,945 |
| Net loans and leases to deposits | 47.7301% | 6,517 |
| Net loans and leases to core deposits | 49.8677% | 6,538 |
| Total domestic deposits to total assets | 97.8679% | 11 |
| Equity capital to assets | 2.0305% | 7,324 |
| Core capital (leverage) ratio | 2.0631% | 7,319 |
| Tier 1 risk-based capital ratio | 2.7137% | 7,324 |
| Total risk-based capital ratio | 3.9722% | 7,325 |
| Memoranda: | ||
| Average total assets | $166,767,000 | 3,543 |
| Average earning assets | $117,960,200 | 4,185 |
| Average equity | $4,941,200 | 6,462 |
| Average total loans | $82,986,000 | 4,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 3,353 |
| Cost of funding earning assets | 2.0612% | 93 |
| Net interest margin | 2.8844% | 6,773 |
| Noninterest income to average assets | -0.5638% | 7,360 |
| Noninterest expense to average assets | 2.9931% | 3,575 |
| Loan and lease loss provision to assets | 0.2874% | 3,216 |
| Net operating income to assets | -1.7914% | 7,099 |
| Return on assets (ROA) | -1.5654% | 7,069 |
| Pretax return on assets | -1.5654% | 7,034 |
| Return on Equity (ROE) | -49.2516% | 7,289 |
| Retained earnings to average equity (ytd only) | -49.2516% | 7,282 |
| Net charge-offs to loans | 1.3261% | 1,152 |
| Credit loss provision to net charge-offs | 43.2464% | 5,177 |
| Earnings coverage of net charge-offs (x) | -2.2630% | 6,033 |
| Efficiency ratio | 201.0048% | 51 |
| Assets per employee ($millions) | 8.4679% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0935% | 806 |
| Loan loss allowance to noncurrent loans | 27.1046% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 33.6787% | 4 |
| Noncurrent loans to loans | 11.4133% | 265 |
| Net loans and leases to total assets | 48.5192% | 5,892 |
| Net loans and leases to deposits | 50.2621% | 6,488 |
| Net loans and leases to core deposits | 52.1212% | 6,556 |
| Total domestic deposits to total assets | 96.5324% | 28 |
| Equity capital to assets | 3.1885% | 7,356 |
| Core capital (leverage) ratio | 2.7734% | 7,360 |
| Tier 1 risk-based capital ratio | 3.7054% | 7,371 |
| Total risk-based capital ratio | 4.9644% | 7,371 |
| Memoranda: | ||
| Average total assets | $169,318,750 | 3,529 |
| Average earning assets | $120,509,000 | 4,141 |
| Average equity | $5,381,750 | 6,374 |
| Average total loans | $84,859,500 | 4,038 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 4,040 |
| Cost of funding earning assets | 2.1286% | 91 |
| Net interest margin | 2.6847% | 7,046 |
| Noninterest income to average assets | -1.0922% | 7,485 |
| Noninterest expense to average assets | 2.8456% | 4,244 |
| Loan and lease loss provision to assets | 0.4241% | 2,314 |
| Net operating income to assets | -2.4377% | 7,258 |
| Return on assets (ROA) | -2.3703% | 7,254 |
| Pretax return on assets | -2.3703% | 7,231 |
| Return on Equity (ROE) | -74.6478% | 7,414 |
| Retained earnings to average equity (ytd only) | -74.6478% | 7,411 |
| Net charge-offs to loans | 1.4856% | 1,000 |
| Credit loss provision to net charge-offs | 56.9423% | 4,415 |
| Earnings coverage of net charge-offs (x) | -2.7036% | 5,743 |
| Efficiency ratio | 342.0391% | 21 |
| Assets per employee ($millions) | 8.6204% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1558% | 790 |
| Loan loss allowance to noncurrent loans | 32.1407% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 30.3269% | 13 |
| Noncurrent loans to loans | 9.8188% | 397 |
| Net loans and leases to total assets | 47.9688% | 6,055 |
| Net loans and leases to deposits | 49.3172% | 6,650 |
| Net loans and leases to core deposits | 53.6556% | 6,582 |
| Total domestic deposits to total assets | 97.2658% | 16 |
| Equity capital to assets | 2.6066% | 7,445 |
| Core capital (leverage) ratio | 2.6408% | 7,440 |
| Tier 1 risk-based capital ratio | 3.5529% | 7,445 |
| Total risk-based capital ratio | 4.8134% | 7,447 |
| Memoranda: | ||
| Average total assets | $172,128,000 | 3,496 |
| Average earning assets | $123,367,000 | 4,122 |
| Average equity | $5,465,670 | 6,382 |
| Average total loans | $86,294,330 | 4,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 3,626 |
| Cost of funding earning assets | 2.2948% | 66 |
| Net interest margin | 2.5975% | 7,127 |
| Noninterest income to average assets | -0.0814% | 7,376 |
| Noninterest expense to average assets | 2.5955% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8210% | 6,970 |
| Return on assets (ROA) | -0.7535% | 6,946 |
| Pretax return on assets | -0.7535% | 6,892 |
| Return on Equity (ROE) | -21.7760% | 7,241 |
| Retained earnings to average equity (ytd only) | -21.7760% | 7,187 |
| Net charge-offs to loans | 1.3880% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.1728% | 4,911 |
| Efficiency ratio | 146.2647% | 181 |
| Assets per employee ($millions) | 8.7301% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0872% | 845 |
| Loan loss allowance to noncurrent loans | 36.7061% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 29.5186% | 10 |
| Noncurrent loans to loans | 8.4106% | 564 |
| Net loans and leases to total assets | 48.0040% | 6,076 |
| Net loans and leases to deposits | 49.7094% | 6,641 |
| Net loans and leases to core deposits | 54.9091% | 6,491 |
| Total domestic deposits to total assets | 96.5693% | 22 |
| Equity capital to assets | 3.2898% | 7,475 |
| Core capital (leverage) ratio | 3.5769% | 7,457 |
| Tier 1 risk-based capital ratio | 4.8038% | 7,467 |
| Total risk-based capital ratio | 6.0633% | 7,465 |
| Memoranda: | ||
| Average total assets | $171,988,000 | 3,520 |
| Average earning assets | $122,885,500 | 4,163 |
| Average equity | $5,951,500 | 6,264 |
| Average total loans | $86,743,000 | 4,056 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 5,173 |
| Cost of funding earning assets | 2.8821% | 37 |
| Net interest margin | 1.9823% | 7,460 |
| Noninterest income to average assets | -0.3793% | 7,536 |
| Noninterest expense to average assets | 2.5675% | 5,554 |
| Loan and lease loss provision to assets | 0.5761% | 2,826 |
| Net operating income to assets | -1.9908% | 7,053 |
| Return on assets (ROA) | -1.7413% | 7,003 |
| Pretax return on assets | -1.7430% | 6,942 |
| Return on Equity (ROE) | -36.4199% | 7,303 |
| Retained earnings to average equity (ytd only) | -36.4199% | 7,294 |
| Net charge-offs to loans | 2.7435% | 652 |
| Credit loss provision to net charge-offs | 37.0397% | 6,421 |
| Earnings coverage of net charge-offs (x) | -0.9107% | 6,582 |
| Efficiency ratio | 223.0542% | 71 |
| Assets per employee ($millions) | 8.4687% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4149% | 627 |
| Loan loss allowance to noncurrent loans | 34.9160% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 31.6890% | 5 |
| Noncurrent loans to loans | 9.7805% | 442 |
| Net loans and leases to total assets | 49.6115% | 6,199 |
| Net loans and leases to deposits | 51.5943% | 6,775 |
| Net loans and leases to core deposits | 63.0716% | 6,144 |
| Total domestic deposits to total assets | 96.1570% | 37 |
| Equity capital to assets | 3.6363% | 7,525 |
| Core capital (leverage) ratio | 3.7314% | 7,516 |
| Tier 1 risk-based capital ratio | 4.9950% | 7,524 |
| Total risk-based capital ratio | 6.2572% | 7,528 |
| Memoranda: | ||
| Average total assets | $176,359,400 | 3,430 |
| Average earning assets | $136,152,000 | 3,895 |
| Average equity | $8,432,200 | 5,573 |
| Average total loans | $99,982,200 | 3,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 5,845 |
| Cost of funding earning assets | 2.9348% | 37 |
| Net interest margin | 1.8168% | 7,625 |
| Noninterest income to average assets | 0.2448% | 6,142 |
| Noninterest expense to average assets | 2.5437% | 5,551 |
| Loan and lease loss provision to assets | 0.7606% | 2,012 |
| Net operating income to assets | -1.6267% | 7,138 |
| Return on assets (ROA) | -1.3115% | 7,063 |
| Pretax return on assets | -1.3138% | 6,983 |
| Return on Equity (ROE) | -25.9534% | 7,329 |
| Retained earnings to average equity (ytd only) | -25.9534% | 7,320 |
| Net charge-offs to loans | 2.1312% | 867 |
| Credit loss provision to net charge-offs | 61.5758% | 5,649 |
| Earnings coverage of net charge-offs (x) | -0.7030% | 6,389 |
| Efficiency ratio | 151.8320% | 196 |
| Assets per employee ($millions) | 8.9043% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5248% | 245 |
| Loan loss allowance to noncurrent loans | 30.8323% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 31.9295% | 4 |
| Noncurrent loans to loans | 14.6756% | 169 |
| Net loans and leases to total assets | 48.1520% | 6,508 |
| Net loans and leases to deposits | 50.5527% | 6,982 |
| Net loans and leases to core deposits | 69.9679% | 5,752 |
| Total domestic deposits to total assets | 95.2512% | 37 |
| Equity capital to assets | 4.5040% | 7,615 |
| Core capital (leverage) ratio | 4.4944% | 7,592 |
| Tier 1 risk-based capital ratio | 5.9778% | 7,606 |
| Total risk-based capital ratio | 7.2501% | 7,607 |
| Memoranda: | ||
| Average total assets | $178,105,750 | 3,450 |
| Average earning assets | $140,244,000 | 3,867 |
| Average equity | $9,000,500 | 5,500 |
| Average total loans | $103,227,750 | 3,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 3,865 |
| Cost of funding earning assets | 3.0031% | 39 |
| Net interest margin | 2.2140% | 7,574 |
| Noninterest income to average assets | 0.0314% | 7,425 |
| Noninterest expense to average assets | 2.5310% | 5,604 |
| Loan and lease loss provision to assets | 0.3919% | 3,370 |
| Net operating income to assets | -1.1049% | 6,987 |
| Return on assets (ROA) | -1.0185% | 6,973 |
| Pretax return on assets | -1.0218% | 6,901 |
| Return on Equity (ROE) | -19.4489% | 7,263 |
| Retained earnings to average equity (ytd only) | -19.4489% | 7,240 |
| Net charge-offs to loans | 0.8524% | 2,125 |
| Credit loss provision to net charge-offs | 76.0349% | 4,810 |
| Earnings coverage of net charge-offs (x) | -1.3900% | 6,166 |
| Efficiency ratio | 139.4802% | 257 |
| Assets per employee ($millions) | 8.3483% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4179% | 272 |
| Loan loss allowance to noncurrent loans | 20.2641% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 30.8680% | 7 |
| Noncurrent loans to loans | 21.8014% | 57 |
| Net loans and leases to total assets | 56.6201% | 5,608 |
| Net loans and leases to deposits | 59.9056% | 6,420 |
| Net loans and leases to core deposits | 89.9659% | 3,270 |
| Total domestic deposits to total assets | 94.5156% | 62 |
| Equity capital to assets | 5.1570% | 7,622 |
| Core capital (leverage) ratio | 4.9283% | 7,611 |
| Tier 1 risk-based capital ratio | 6.4750% | 7,637 |
| Total risk-based capital ratio | 7.7510% | 7,639 |
| Memoranda: | ||
| Average total assets | $178,112,330 | 3,468 |
| Average earning assets | $143,454,000 | 3,830 |
| Average equity | $9,327,000 | 5,405 |
| Average total loans | $107,698,330 | 3,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,293 |
| Cost of funding earning assets | 3.1538% | 37 |
| Net interest margin | 2.1978% | 7,648 |
| Noninterest income to average assets | -0.2830% | 7,821 |
| Noninterest expense to average assets | 2.4756% | 5,823 |
| Loan and lease loss provision to assets | -0.4924% | 7,900 |
| Net operating income to assets | -0.4835% | 6,814 |
| Return on assets (ROA) | -0.3922% | 6,794 |
| Pretax return on assets | -0.3922% | 6,712 |
| Return on Equity (ROE) | -7.4340% | 7,026 |
| Retained earnings to average equity (ytd only) | -7.4340% | 6,783 |
| Net charge-offs to loans | 1.4523% | 1,189 |
| Credit loss provision to net charge-offs | -55.5276% | 6,018 |
| Earnings coverage of net charge-offs (x) | -1.1005% | 5,396 |
| Efficiency ratio | 165.0817% | 163 |
| Assets per employee ($millions) | 8.3836% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8241% | 428 |
| Loan loss allowance to noncurrent loans | 21.8128% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 25.7630% | 23 |
| Noncurrent loans to loans | 17.5315% | 122 |
| Net loans and leases to total assets | 55.6206% | 5,802 |
| Net loans and leases to deposits | 58.8071% | 6,569 |
| Net loans and leases to core deposits | 108.5313% | 1,378 |
| Total domestic deposits to total assets | 94.5814% | 56 |
| Equity capital to assets | 5.1161% | 7,713 |
| Core capital (leverage) ratio | 5.3583% | 7,671 |
| Tier 1 risk-based capital ratio | 6.9141% | 7,703 |
| Total risk-based capital ratio | 8.1852% | 7,705 |
| Memoranda: | ||
| Average total assets | $179,511,500 | 3,507 |
| Average earning assets | $145,602,500 | 3,842 |
| Average equity | $9,470,000 | 5,398 |
| Average total loans | $109,622,000 | 3,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 7,169 |
| Cost of funding earning assets | 3.5583% | 34 |
| Net interest margin | 1.1223% | 7,913 |
| Noninterest income to average assets | -0.1384% | 7,826 |
| Noninterest expense to average assets | 2.0014% | 7,371 |
| Loan and lease loss provision to assets | 3.1579% | 530 |
| Net operating income to assets | -3.5326% | 7,514 |
| Return on assets (ROA) | -3.4359% | 7,497 |
| Pretax return on assets | -4.1676% | 7,567 |
| Return on Equity (ROE) | -46.7744% | 7,649 |
| Retained earnings to average equity (ytd only) | -46.7744% | 7,637 |
| Net charge-offs to loans | 3.0145% | 701 |
| Credit loss provision to net charge-offs | 150.8803% | 3,065 |
| Earnings coverage of net charge-offs (x) | -0.5387% | 6,714 |
| Efficiency ratio | 229.0361% | 100 |
| Assets per employee ($millions) | 7.9356% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1731% | 326 |
| Loan loss allowance to noncurrent loans | 16.9824% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 29.1144% | 13 |
| Noncurrent loans to loans | 24.5730% | 38 |
| Net loans and leases to total assets | 61.7932% | 5,032 |
| Net loans and leases to deposits | 65.5955% | 6,103 |
| Net loans and leases to core deposits | 117.9646% | 2,135 |
| Total domestic deposits to total assets | 94.2034% | 66 |
| Equity capital to assets | 5.4438% | 7,746 |
| Core capital (leverage) ratio | 5.2128% | 7,742 |
| Tier 1 risk-based capital ratio | 7.0073% | 7,747 |
| Total risk-based capital ratio | 8.2838% | 7,748 |
| Memoranda: | ||
| Average total assets | $189,966,200 | 3,285 |
| Average earning assets | $171,348,200 | 3,328 |
| Average equity | $13,954,200 | 4,264 |
| Average total loans | $131,896,200 | 3,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 7,428 |
| Cost of funding earning assets | 3.5062% | 70 |
| Net interest margin | 1.0830% | 8,009 |
| Noninterest income to average assets | -0.0475% | 7,895 |
| Noninterest expense to average assets | 1.6875% | 7,774 |
| Loan and lease loss provision to assets | 2.1608% | 807 |
| Net operating income to assets | -2.4671% | 7,463 |
| Return on assets (ROA) | -2.3748% | 7,428 |
| Pretax return on assets | -2.7875% | 7,448 |
| Return on Equity (ROE) | -30.5477% | 7,619 |
| Retained earnings to average equity (ytd only) | -30.5477% | 7,604 |
| Net charge-offs to loans | 1.8723% | 1,076 |
| Credit loss provision to net charge-offs | 163.5938% | 2,878 |
| Earnings coverage of net charge-offs (x) | -0.5568% | 6,492 |
| Efficiency ratio | 177.2399% | 210 |
| Assets per employee ($millions) | 8.6927% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 582 |
| Loan loss allowance to noncurrent loans | 13.4637% | 7,375 |
| Noncurrent assets plus other real estate owned to assets | 24.4066% | 21 |
| Noncurrent loans to loans | 23.5184% | 35 |
| Net loans and leases to total assets | 62.3011% | 5,191 |
| Net loans and leases to deposits | 67.1192% | 6,200 |
| Net loans and leases to core deposits | 136.9518% | 1,054 |
| Total domestic deposits to total assets | 92.8215% | 97 |
| Equity capital to assets | 6.6974% | 7,711 |
| Core capital (leverage) ratio | 6.6162% | 7,623 |
| Tier 1 risk-based capital ratio | 8.7536% | 7,697 |
| Total risk-based capital ratio | 10.0212% | 7,726 |
| Memoranda: | ||
| Average total assets | $193,811,750 | 3,269 |
| Average earning assets | $178,879,250 | 3,255 |
| Average equity | $15,066,750 | 4,084 |
| Average total loans | $136,725,500 | 3,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 7,552 |
| Cost of funding earning assets | 3.4662% | 124 |
| Net interest margin | 1.1206% | 8,085 |
| Noninterest income to average assets | 0.0205% | 7,864 |
| Noninterest expense to average assets | 1.5267% | 7,958 |
| Loan and lease loss provision to assets | 0.7962% | 2,099 |
| Net operating income to assets | -0.7722% | 6,812 |
| Return on assets (ROA) | -0.6894% | 6,744 |
| Pretax return on assets | -1.1157% | 6,890 |
| Return on Equity (ROE) | -8.4831% | 6,931 |
| Retained earnings to average equity (ytd only) | -8.4831% | 6,720 |
| Net charge-offs to loans | 0.7318% | 2,220 |
| Credit loss provision to net charge-offs | 149.9033% | 3,085 |
| Earnings coverage of net charge-offs (x) | -0.8453% | 6,194 |
| Efficiency ratio | 141.6587% | 418 |
| Assets per employee ($millions) | 9.1462% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,379 |
| Loan loss allowance to noncurrent loans | 9.9454% | 7,495 |
| Noncurrent assets plus other real estate owned to assets | 18.7394% | 53 |
| Noncurrent loans to loans | 21.1885% | 45 |
| Net loans and leases to total assets | 70.9378% | 3,476 |
| Net loans and leases to deposits | 77.4206% | 4,955 |
| Net loans and leases to core deposits | 159.7297% | 456 |
| Total domestic deposits to total assets | 91.6265% | 286 |
| Equity capital to assets | 7.9653% | 6,793 |
| Core capital (leverage) ratio | 8.0080% | 6,319 |
| Tier 1 risk-based capital ratio | 10.3189% | 6,571 |
| Total risk-based capital ratio | 11.5777% | 6,500 |
| Memoranda: | ||
| Average total assets | $194,669,330 | 3,283 |
| Average earning assets | $183,657,000 | 3,218 |
| Average equity | $15,819,670 | 3,957 |
| Average total loans | $141,287,330 | 3,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 7,581 |
| Cost of funding earning assets | 3.4649% | 160 |
| Net interest margin | 1.1779% | 8,132 |
| Noninterest income to average assets | 0.0735% | 7,683 |
| Noninterest expense to average assets | 1.5064% | 7,981 |
| Loan and lease loss provision to assets | 1.0512% | 1,243 |
| Net operating income to assets | -0.8476% | 7,154 |
| Return on assets (ROA) | -0.7940% | 7,160 |
| Pretax return on assets | -1.2839% | 7,293 |
| Return on Equity (ROE) | -9.6766% | 7,343 |
| Retained earnings to average equity (ytd only) | -9.6766% | 7,081 |
| Net charge-offs to loans | 0.9246% | 1,434 |
| Credit loss provision to net charge-offs | 156.5350% | 2,687 |
| Earnings coverage of net charge-offs (x) | -0.4711% | 5,241 |
| Efficiency ratio | 126.5866% | 541 |
| Assets per employee ($millions) | 8.6889% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 1,416 |
| Loan loss allowance to noncurrent loans | 11.9842% | 7,483 |
| Noncurrent assets plus other real estate owned to assets | 13.6336% | 105 |
| Noncurrent loans to loans | 16.6913% | 70 |
| Net loans and leases to total assets | 70.1374% | 3,639 |
| Net loans and leases to deposits | 76.6437% | 5,131 |
| Net loans and leases to core deposits | 158.6180% | 514 |
| Total domestic deposits to total assets | 91.5109% | 274 |
| Equity capital to assets | 7.9066% | 6,951 |
| Core capital (leverage) ratio | 8.1491% | 6,187 |
| Tier 1 risk-based capital ratio | 10.5390% | 6,357 |
| Total risk-based capital ratio | 11.7969% | 6,252 |
| Memoranda: | ||
| Average total assets | $195,968,500 | 3,286 |
| Average earning assets | $185,750,500 | 3,215 |
| Average equity | $16,080,000 | 3,933 |
| Average total loans | $142,339,000 | 3,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3153% | 3,879 |
| Cost of funding earning assets | 3.9361% | 121 |
| Net interest margin | 2.3792% | 7,865 |
| Noninterest income to average assets | -0.1734% | 8,220 |
| Noninterest expense to average assets | 1.9745% | 7,489 |
| Loan and lease loss provision to assets | 1.7255% | 746 |
| Net operating income to assets | -1.0082% | 7,256 |
| Return on assets (ROA) | -1.0067% | 7,173 |
| Pretax return on assets | -1.6276% | 7,308 |
| Return on Equity (ROE) | -12.5439% | 7,465 |
| Retained earnings to average equity (ytd only) | -13.4353% | 7,367 |
| Net charge-offs to loans | 1.4299% | 816 |
| Credit loss provision to net charge-offs | 151.1278% | 3,470 |
| Earnings coverage of net charge-offs (x) | 0.0837% | 6,196 |
| Efficiency ratio | 95.3829% | 1,194 |
| Assets per employee ($millions) | 8.3518% | 411 |
| Cash dividends to net income (ytd only)* | -7.1063% | 7,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 1,447 |
| Loan loss allowance to noncurrent loans | 24.4426% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 7.7905% | 306 |
| Noncurrent loans to loans | 7.7260% | 362 |
| Net loans and leases to total assets | 72.3487% | 3,511 |
| Net loans and leases to deposits | 79.5198% | 5,128 |
| Net loans and leases to core deposits | 162.7087% | 525 |
| Total domestic deposits to total assets | 90.9819% | 336 |
| Equity capital to assets | 8.5162% | 6,058 |
| Core capital (leverage) ratio | 8.9322% | 4,845 |
| Tier 1 risk-based capital ratio | 10.6469% | 6,051 |
| Total risk-based capital ratio | 11.9034% | 5,951 |
| Memoranda: | ||
| Average total assets | $174,731,200 | 3,480 |
| Average earning assets | $164,759,000 | 3,405 |
| Average equity | $14,022,800 | 4,333 |
| Average total loans | $139,520,000 | 3,106 |