Home > Security Savings Bank, SSB > Performance and Condition Ratios
Security Savings Bank, SSB, 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 | 4.1570% | 3,538 |
| Cost of funding earning assets | 1.4579% | 61 |
| Net interest margin | 2.6991% | 6,178 |
| Noninterest income to average assets | -0.2858% | 6,847 |
| Noninterest expense to average assets | 3.2213% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.1235% | 6,724 |
| Return on assets (ROA) | -1.1235% | 6,722 |
| Pretax return on assets | -1.1235% | 6,713 |
| Return on Equity (ROE) | -44.8864% | 6,854 |
| Retained earnings to average equity (ytd only) | -44.8864% | 6,851 |
| Net charge-offs to loans | 2.0773% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.7982% | 4,990 |
| Efficiency ratio | 153.5542% | 68 |
| Assets per employee ($millions) | 4.9425% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2541% | 430 |
| Loan loss allowance to noncurrent loans | 45.1084% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 8.3980% | 205 |
| Noncurrent loans to loans | 7.2139% | 282 |
| Net loans and leases to total assets | 63.1465% | 3,140 |
| Net loans and leases to deposits | 80.1323% | 2,390 |
| Net loans and leases to core deposits | 82.4476% | 2,834 |
| Total domestic deposits to total assets | 78.8028% | 5,784 |
| Equity capital to assets | 2.0030% | 6,876 |
| Core capital (leverage) ratio | 1.9684% | 6,885 |
| Tier 1 risk-based capital ratio | 3.3554% | 6,875 |
| Total risk-based capital ratio | 4.6338% | 6,876 |
| Memoranda: | ||
| Average total assets | $224,420,250 | 2,792 |
| Average earning assets | $198,184,500 | 2,871 |
| Average equity | $5,617,000 | 5,969 |
| Average total loans | $152,052,750 | 2,542 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,322 |
| Cost of funding earning assets | 1.4722% | 63 |
| Net interest margin | 2.7385% | 6,117 |
| Noninterest income to average assets | 0.3520% | 4,869 |
| Noninterest expense to average assets | 3.0878% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3249% | 6,566 |
| Return on assets (ROA) | -0.3249% | 6,596 |
| Pretax return on assets | -0.3249% | 6,567 |
| Return on Equity (ROE) | -12.2234% | 6,775 |
| Retained earnings to average equity (ytd only) | -12.2234% | 6,716 |
| Net charge-offs to loans | 2.5406% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1866% | 4,614 |
| Efficiency ratio | 111.7591% | 258 |
| Assets per employee ($millions) | 4.7761% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3209% | 429 |
| Loan loss allowance to noncurrent loans | 47.5197% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 9.1330% | 180 |
| Noncurrent loans to loans | 6.9884% | 345 |
| Net loans and leases to total assets | 64.8642% | 2,782 |
| Net loans and leases to deposits | 82.4096% | 2,008 |
| Net loans and leases to core deposits | 84.5828% | 2,481 |
| Total domestic deposits to total assets | 78.7095% | 5,846 |
| Equity capital to assets | 2.6295% | 6,911 |
| Core capital (leverage) ratio | 2.5963% | 6,915 |
| Tier 1 risk-based capital ratio | 4.2712% | 6,909 |
| Total risk-based capital ratio | 5.5503% | 6,910 |
| Memoranda: | ||
| Average total assets | $228,384,330 | 2,765 |
| Average earning assets | $201,055,330 | 2,856 |
| Average equity | $6,070,330 | 5,913 |
| Average total loans | $156,497,670 | 2,486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 3,113 |
| Cost of funding earning assets | 1.4851% | 63 |
| Net interest margin | 2.7644% | 6,104 |
| Noninterest income to average assets | 1.0003% | 1,458 |
| Noninterest expense to average assets | 3.1883% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2372% | 5,770 |
| Return on assets (ROA) | 0.2372% | 5,896 |
| Pretax return on assets | 0.2372% | 6,001 |
| Return on Equity (ROE) | 8.8789% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.8789% | 1,419 |
| Net charge-offs to loans | 2.8340% | 132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1209% | 3,777 |
| Efficiency ratio | 93.0758% | 903 |
| Assets per employee ($millions) | 4.7690% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6652% | 372 |
| Loan loss allowance to noncurrent loans | 55.3073% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 9.6171% | 213 |
| Noncurrent loans to loans | 6.6270% | 475 |
| Net loans and leases to total assets | 67.3316% | 2,134 |
| Net loans and leases to deposits | 85.5681% | 1,410 |
| Net loans and leases to core deposits | 87.9159% | 1,919 |
| Total domestic deposits to total assets | 78.6877% | 6,015 |
| Equity capital to assets | 2.8045% | 6,986 |
| Core capital (leverage) ratio | 2.7414% | 6,978 |
| Tier 1 risk-based capital ratio | 4.3084% | 6,972 |
| Total risk-based capital ratio | 5.5915% | 6,972 |
| Memoranda: | ||
| Average total assets | $232,727,000 | 2,751 |
| Average earning assets | $204,168,000 | 2,852 |
| Average equity | $6,217,000 | 5,933 |
| Average total loans | $161,046,000 | 2,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 4,247 |
| Cost of funding earning assets | 1.5329% | 143 |
| Net interest margin | 2.7533% | 6,445 |
| Noninterest income to average assets | -1.3469% | 7,068 |
| Noninterest expense to average assets | 3.3295% | 2,255 |
| Loan and lease loss provision to assets | 0.3977% | 1,636 |
| Net operating income to assets | -2.6612% | 6,988 |
| Return on assets (ROA) | -2.6612% | 6,989 |
| Pretax return on assets | -2.6626% | 6,990 |
| Return on Equity (ROE) | -74.8292% | 7,053 |
| Retained earnings to average equity (ytd only) | -74.8292% | 7,053 |
| Net charge-offs to loans | 1.8367% | 431 |
| Credit loss provision to net charge-offs | 32.8125% | 5,067 |
| Earnings coverage of net charge-offs (x) | -1.8685% | 5,829 |
| Efficiency ratio | 312.7560% | 15 |
| Assets per employee ($millions) | 4.4687% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1606% | 259 |
| Loan loss allowance to noncurrent loans | 86.0590% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 8.3158% | 323 |
| Noncurrent loans to loans | 4.8346% | 845 |
| Net loans and leases to total assets | 65.7028% | 2,574 |
| Net loans and leases to deposits | 83.7819% | 1,780 |
| Net loans and leases to core deposits | 86.3015% | 2,273 |
| Total domestic deposits to total assets | 78.4212% | 6,009 |
| Equity capital to assets | 2.5477% | 7,049 |
| Core capital (leverage) ratio | 2.4130% | 7,048 |
| Tier 1 risk-based capital ratio | 4.0162% | 7,036 |
| Total risk-based capital ratio | 5.3064% | 7,035 |
| Memoranda: | ||
| Average total assets | $279,835,200 | 2,271 |
| Average earning assets | $245,085,800 | 2,369 |
| Average equity | $9,952,000 | 4,990 |
| Average total loans | $184,682,200 | 2,145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 4,607 |
| Cost of funding earning assets | 1.5220% | 181 |
| Net interest margin | 2.7385% | 6,592 |
| Noninterest income to average assets | -1.4297% | 7,165 |
| Noninterest expense to average assets | 3.2602% | 2,391 |
| Loan and lease loss provision to assets | 0.3869% | 1,666 |
| Net operating income to assets | -2.6784% | 7,100 |
| Return on assets (ROA) | -2.6784% | 7,102 |
| Pretax return on assets | -2.6784% | 7,092 |
| Return on Equity (ROE) | -71.1102% | 7,148 |
| Retained earnings to average equity (ytd only) | -71.1102% | 7,144 |
| Net charge-offs to loans | 2.2642% | 297 |
| Credit loss provision to net charge-offs | 26.1032% | 4,859 |
| Earnings coverage of net charge-offs (x) | -1.5460% | 5,623 |
| Efficiency ratio | 336.5668% | 15 |
| Assets per employee ($millions) | 4.6655% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8981% | 335 |
| Loan loss allowance to noncurrent loans | 74.6808% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 8.3242% | 361 |
| Noncurrent loans to loans | 5.2197% | 846 |
| Net loans and leases to total assets | 61.8076% | 3,424 |
| Net loans and leases to deposits | 77.1886% | 2,775 |
| Net loans and leases to core deposits | 79.8756% | 3,220 |
| Total domestic deposits to total assets | 80.0734% | 5,633 |
| Equity capital to assets | 2.8751% | 7,137 |
| Core capital (leverage) ratio | 2.8121% | 7,138 |
| Tier 1 risk-based capital ratio | 4.7692% | 7,120 |
| Total risk-based capital ratio | 6.0553% | 7,120 |
| Memoranda: | ||
| Average total assets | $289,466,250 | 2,236 |
| Average earning assets | $253,511,500 | 2,311 |
| Average equity | $10,903,000 | 4,827 |
| Average total loans | $189,495,000 | 2,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 4,469 |
| Cost of funding earning assets | 1.5286% | 213 |
| Net interest margin | 2.7971% | 6,582 |
| Noninterest income to average assets | -1.4695% | 7,231 |
| Noninterest expense to average assets | 3.2581% | 2,415 |
| Loan and lease loss provision to assets | 0.2691% | 2,435 |
| Net operating income to assets | -2.5528% | 7,127 |
| Return on assets (ROA) | -2.5528% | 7,133 |
| Pretax return on assets | -2.5528% | 7,121 |
| Return on Equity (ROE) | -63.2117% | 7,186 |
| Retained earnings to average equity (ytd only) | -63.2117% | 7,181 |
| Net charge-offs to loans | 2.9643% | 199 |
| Credit loss provision to net charge-offs | 13.7955% | 4,693 |
| Earnings coverage of net charge-offs (x) | -1.1705% | 5,323 |
| Efficiency ratio | 334.3511% | 17 |
| Assets per employee ($millions) | 4.7964% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6851% | 434 |
| Loan loss allowance to noncurrent loans | 77.0429% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 8.8033% | 357 |
| Noncurrent loans to loans | 4.7831% | 1,062 |
| Net loans and leases to total assets | 61.6500% | 3,502 |
| Net loans and leases to deposits | 76.8649% | 2,859 |
| Net loans and leases to core deposits | 80.2754% | 3,180 |
| Total domestic deposits to total assets | 80.2057% | 5,690 |
| Equity capital to assets | 3.4701% | 7,164 |
| Core capital (leverage) ratio | 3.4047% | 7,157 |
| Tier 1 risk-based capital ratio | 5.7470% | 7,136 |
| Total risk-based capital ratio | 7.0299% | 7,137 |
| Memoranda: | ||
| Average total assets | $295,755,670 | 2,186 |
| Average earning assets | $258,406,330 | 2,274 |
| Average equity | $11,944,000 | 4,618 |
| Average total loans | $194,648,670 | 2,073 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 4,480 |
| Cost of funding earning assets | 1.5457% | 234 |
| Net interest margin | 2.8138% | 6,615 |
| Noninterest income to average assets | -0.7242% | 7,268 |
| Noninterest expense to average assets | 3.2819% | 2,345 |
| Loan and lease loss provision to assets | 0.0093% | 5,178 |
| Net operating income to assets | -1.5595% | 7,100 |
| Return on assets (ROA) | -1.5595% | 7,108 |
| Pretax return on assets | -1.5595% | 7,087 |
| Return on Equity (ROE) | -36.2294% | 7,189 |
| Retained earnings to average equity (ytd only) | -36.2294% | 7,169 |
| Net charge-offs to loans | 3.9185% | 149 |
| Credit loss provision to net charge-offs | 0.3548% | 3,991 |
| Earnings coverage of net charge-offs (x) | -0.5935% | 4,517 |
| Efficiency ratio | 189.5260% | 47 |
| Assets per employee ($millions) | 4.6751% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6751% | 474 |
| Loan loss allowance to noncurrent loans | 79.6458% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 8.6151% | 424 |
| Noncurrent loans to loans | 4.6143% | 1,244 |
| Net loans and leases to total assets | 64.0366% | 2,842 |
| Net loans and leases to deposits | 79.9931% | 2,201 |
| Net loans and leases to core deposits | 84.0971% | 2,534 |
| Total domestic deposits to total assets | 80.0526% | 5,841 |
| Equity capital to assets | 4.2159% | 7,172 |
| Core capital (leverage) ratio | 4.1413% | 7,167 |
| Tier 1 risk-based capital ratio | 6.7348% | 7,148 |
| Total risk-based capital ratio | 8.0176% | 7,149 |
| Memoranda: | ||
| Average total assets | $302,140,500 | 2,154 |
| Average earning assets | $263,698,500 | 2,250 |
| Average equity | $13,006,000 | 4,407 |
| Average total loans | $201,405,000 | 2,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 4,572 |
| Cost of funding earning assets | 1.6640% | 370 |
| Net interest margin | 2.9600% | 6,588 |
| Noninterest income to average assets | 0.4704% | 4,051 |
| Noninterest expense to average assets | 3.0389% | 3,443 |
| Loan and lease loss provision to assets | 0.3945% | 2,626 |
| Net operating income to assets | -0.4459% | 6,449 |
| Return on assets (ROA) | -0.4530% | 6,506 |
| Pretax return on assets | -0.3957% | 6,418 |
| Return on Equity (ROE) | -10.1900% | 6,745 |
| Retained earnings to average equity (ytd only) | -10.1900% | 6,707 |
| Net charge-offs to loans | 1.9150% | 747 |
| Credit loss provision to net charge-offs | 29.8103% | 5,789 |
| Earnings coverage of net charge-offs (x) | 0.0045% | 5,819 |
| Efficiency ratio | 99.8037% | 680 |
| Assets per employee ($millions) | 4.1300% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4259% | 272 |
| Loan loss allowance to noncurrent loans | 83.8243% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 9.0799% | 398 |
| Noncurrent loans to loans | 5.2800% | 1,029 |
| Net loans and leases to total assets | 63.8723% | 3,215 |
| Net loans and leases to deposits | 79.1048% | 2,669 |
| Net loans and leases to core deposits | 82.9097% | 3,040 |
| Total domestic deposits to total assets | 80.7439% | 5,531 |
| Equity capital to assets | 4.3890% | 7,202 |
| Core capital (leverage) ratio | 4.2955% | 7,189 |
| Tier 1 risk-based capital ratio | 7.0224% | 7,156 |
| Total risk-based capital ratio | 8.3153% | 7,156 |
| Memoranda: | ||
| Average total assets | $334,633,000 | 1,933 |
| Average earning assets | $291,043,800 | 2,012 |
| Average equity | $14,877,400 | 3,935 |
| Average total loans | $231,221,600 | 1,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 4,688 |
| Cost of funding earning assets | 1.6909% | 409 |
| Net interest margin | 2.9535% | 6,664 |
| Noninterest income to average assets | 0.6740% | 2,745 |
| Noninterest expense to average assets | 2.9517% | 3,737 |
| Loan and lease loss provision to assets | 0.3646% | 2,674 |
| Net operating income to assets | -0.1518% | 6,332 |
| Return on assets (ROA) | -0.1612% | 6,419 |
| Pretax return on assets | -0.0861% | 6,324 |
| Return on Equity (ROE) | -3.6144% | 6,601 |
| Retained earnings to average equity (ytd only) | -3.6144% | 6,478 |
| Net charge-offs to loans | 1.7391% | 788 |
| Credit loss provision to net charge-offs | 30.1131% | 5,413 |
| Earnings coverage of net charge-offs (x) | 0.2378% | 5,418 |
| Efficiency ratio | 91.1133% | 1,099 |
| Assets per employee ($millions) | 4.3466% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6572% | 234 |
| Loan loss allowance to noncurrent loans | 76.3772% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 9.4390% | 395 |
| Noncurrent loans to loans | 6.0977% | 907 |
| Net loans and leases to total assets | 64.3290% | 3,246 |
| Net loans and leases to deposits | 79.2775% | 2,762 |
| Net loans and leases to core deposits | 83.3274% | 3,143 |
| Total domestic deposits to total assets | 81.1441% | 5,385 |
| Equity capital to assets | 4.5699% | 7,288 |
| Core capital (leverage) ratio | 4.4676% | 7,277 |
| Tier 1 risk-based capital ratio | 7.3447% | 7,221 |
| Total risk-based capital ratio | 8.6413% | 7,223 |
| Memoranda: | ||
| Average total assets | $340,853,500 | 1,911 |
| Average earning assets | $296,095,250 | 1,981 |
| Average equity | $15,198,000 | 3,879 |
| Average total loans | $237,275,250 | 1,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,859 |
| Cost of funding earning assets | 1.7101% | 451 |
| Net interest margin | 3.1410% | 6,302 |
| Noninterest income to average assets | 1.1991% | 895 |
| Noninterest expense to average assets | 3.1400% | 3,114 |
| Loan and lease loss provision to assets | 0.4838% | 2,038 |
| Net operating income to assets | 0.2966% | 5,383 |
| Return on assets (ROA) | 0.2966% | 5,523 |
| Pretax return on assets | 0.2960% | 5,681 |
| Return on Equity (ROE) | 6.7038% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.7038% | 2,017 |
| Net charge-offs to loans | 2.3997% | 514 |
| Credit loss provision to net charge-offs | 28.6885% | 5,013 |
| Earnings coverage of net charge-offs (x) | 0.4624% | 4,958 |
| Efficiency ratio | 80.1058% | 2,374 |
| Assets per employee ($millions) | 4.3454% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4077% | 301 |
| Loan loss allowance to noncurrent loans | 46.5654% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 10.7447% | 335 |
| Noncurrent loans to loans | 9.4656% | 422 |
| Net loans and leases to total assets | 64.3266% | 3,393 |
| Net loans and leases to deposits | 78.3983% | 3,059 |
| Net loans and leases to core deposits | 81.7112% | 3,553 |
| Total domestic deposits to total assets | 82.0510% | 5,148 |
| Equity capital to assets | 4.5473% | 7,351 |
| Core capital (leverage) ratio | 4.5160% | 7,334 |
| Tier 1 risk-based capital ratio | 6.8487% | 7,320 |
| Total risk-based capital ratio | 8.1390% | 7,324 |
| Memoranda: | ||
| Average total assets | $347,256,330 | 1,880 |
| Average earning assets | $300,796,670 | 1,972 |
| Average equity | $15,364,330 | 3,847 |
| Average total loans | $244,027,670 | 1,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 3,936 |
| Cost of funding earning assets | 1.7298% | 497 |
| Net interest margin | 3.0949% | 6,365 |
| Noninterest income to average assets | 0.5750% | 3,338 |
| Noninterest expense to average assets | 3.0924% | 3,281 |
| Loan and lease loss provision to assets | -0.1672% | 7,501 |
| Net operating income to assets | 0.3344% | 5,252 |
| Return on assets (ROA) | 0.3344% | 5,330 |
| Pretax return on assets | 0.3321% | 5,556 |
| Return on Equity (ROE) | 7.6633% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.6633% | 1,857 |
| Net charge-offs to loans | 0.8701% | 1,518 |
| Credit loss provision to net charge-offs | -26.7890% | 5,614 |
| Earnings coverage of net charge-offs (x) | 0.2642% | 4,411 |
| Efficiency ratio | 94.9367% | 986 |
| Assets per employee ($millions) | 4.2699% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7520% | 233 |
| Loan loss allowance to noncurrent loans | 45.3972% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 12.0238% | 271 |
| Noncurrent loans to loans | 10.4676% | 367 |
| Net loans and leases to total assets | 67.1037% | 2,732 |
| Net loans and leases to deposits | 82.2753% | 2,314 |
| Net loans and leases to core deposits | 85.8323% | 2,896 |
| Total domestic deposits to total assets | 81.5600% | 5,474 |
| Equity capital to assets | 4.4494% | 7,414 |
| Core capital (leverage) ratio | 4.3676% | 7,405 |
| Tier 1 risk-based capital ratio | 6.4332% | 7,408 |
| Total risk-based capital ratio | 7.7283% | 7,406 |
| Memoranda: | ||
| Average total assets | $349,242,500 | 1,889 |
| Average earning assets | $302,692,000 | 1,970 |
| Average equity | $15,241,500 | 3,855 |
| Average total loans | $250,539,000 | 1,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 5,414 |
| Cost of funding earning assets | 2.1171% | 403 |
| Net interest margin | 2.6808% | 7,137 |
| Noninterest income to average assets | 0.4091% | 4,829 |
| Noninterest expense to average assets | 2.8184% | 4,527 |
| Loan and lease loss provision to assets | 4.4876% | 109 |
| Net operating income to assets | -5.1523% | 7,543 |
| Return on assets (ROA) | -5.1523% | 7,552 |
| Pretax return on assets | -4.5171% | 7,500 |
| Return on Equity (ROE) | -76.4276% | 7,540 |
| Retained earnings to average equity (ytd only) | -76.4276% | 7,538 |
| Net charge-offs to loans | 5.3066% | 152 |
| Credit loss provision to net charge-offs | 118.2101% | 3,604 |
| Earnings coverage of net charge-offs (x) | -0.0078% | 6,136 |
| Efficiency ratio | 101.0586% | 748 |
| Assets per employee ($millions) | 4.1979% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7667% | 226 |
| Loan loss allowance to noncurrent loans | 41.2285% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 11.8166% | 288 |
| Noncurrent loans to loans | 11.5616% | 319 |
| Net loans and leases to total assets | 69.5198% | 2,652 |
| Net loans and leases to deposits | 86.4165% | 2,019 |
| Net loans and leases to core deposits | 90.3773% | 2,717 |
| Total domestic deposits to total assets | 80.4473% | 5,705 |
| Equity capital to assets | 4.2805% | 7,494 |
| Core capital (leverage) ratio | 4.0194% | 7,497 |
| Tier 1 risk-based capital ratio | 6.0972% | 7,474 |
| Total risk-based capital ratio | 7.3935% | 7,475 |
| Memoranda: | ||
| Average total assets | $406,478,600 | 1,626 |
| Average earning assets | $360,824,600 | 1,662 |
| Average equity | $27,402,400 | 2,350 |
| Average total loans | $290,788,200 | 1,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 5,774 |
| Cost of funding earning assets | 1.9602% | 853 |
| Net interest margin | 2.8122% | 7,117 |
| Noninterest income to average assets | 0.4505% | 4,558 |
| Noninterest expense to average assets | 2.6485% | 5,117 |
| Loan and lease loss provision to assets | 3.7922% | 174 |
| Net operating income to assets | -3.4886% | 7,518 |
| Return on assets (ROA) | -3.4886% | 7,528 |
| Pretax return on assets | -3.4855% | 7,494 |
| Return on Equity (ROE) | -48.0661% | 7,548 |
| Retained earnings to average equity (ytd only) | -48.0661% | 7,545 |
| Net charge-offs to loans | 4.1635% | 282 |
| Credit loss provision to net charge-offs | 127.8664% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.1034% | 5,920 |
| Efficiency ratio | 89.6218% | 1,320 |
| Assets per employee ($millions) | 4.5732% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3238% | 279 |
| Loan loss allowance to noncurrent loans | 32.1089% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 11.7279% | 288 |
| Noncurrent loans to loans | 13.4659% | 210 |
| Net loans and leases to total assets | 69.4857% | 2,855 |
| Net loans and leases to deposits | 90.9968% | 1,581 |
| Net loans and leases to core deposits | 95.6581% | 2,299 |
| Total domestic deposits to total assets | 76.3606% | 6,593 |
| Equity capital to assets | 6.5209% | 7,424 |
| Core capital (leverage) ratio | 5.5925% | 7,483 |
| Tier 1 risk-based capital ratio | 8.2331% | 7,455 |
| Total risk-based capital ratio | 9.5232% | 7,456 |
| Memoranda: | ||
| Average total assets | $419,942,750 | 1,604 |
| Average earning assets | $374,029,250 | 1,635 |
| Average equity | $30,479,500 | 2,162 |
| Average total loans | $299,132,250 | 1,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 5,881 |
| Cost of funding earning assets | 1.9799% | 954 |
| Net interest margin | 2.7945% | 7,151 |
| Noninterest income to average assets | 0.3520% | 5,330 |
| Noninterest expense to average assets | 2.5285% | 5,614 |
| Loan and lease loss provision to assets | 3.4691% | 254 |
| Net operating income to assets | -3.1468% | 7,527 |
| Return on assets (ROA) | -3.1468% | 7,531 |
| Pretax return on assets | -3.1468% | 7,493 |
| Return on Equity (ROE) | -42.0882% | 7,546 |
| Retained earnings to average equity (ytd only) | -42.0882% | 7,538 |
| Net charge-offs to loans | 3.1872% | 483 |
| Credit loss provision to net charge-offs | 153.6931% | 2,560 |
| Earnings coverage of net charge-offs (x) | 0.1428% | 5,577 |
| Efficiency ratio | 88.6940% | 1,447 |
| Assets per employee ($millions) | 5.0928% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1139% | 336 |
| Loan loss allowance to noncurrent loans | 29.5296% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 10.9346% | 328 |
| Noncurrent loans to loans | 13.9315% | 203 |
| Net loans and leases to total assets | 64.2699% | 4,205 |
| Net loans and leases to deposits | 84.6066% | 2,767 |
| Net loans and leases to core deposits | 93.4149% | 2,805 |
| Total domestic deposits to total assets | 75.9632% | 6,706 |
| Equity capital to assets | 6.6732% | 7,446 |
| Core capital (leverage) ratio | 6.1901% | 7,450 |
| Tier 1 risk-based capital ratio | 9.1914% | 7,377 |
| Total risk-based capital ratio | 10.4780% | 7,360 |
| Memoranda: | ||
| Average total assets | $431,873,330 | 1,582 |
| Average earning assets | $386,189,670 | 1,602 |
| Average equity | $32,289,330 | 2,046 |
| Average total loans | $305,845,330 | 1,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 5,656 |
| Cost of funding earning assets | 1.9951% | 1,102 |
| Net interest margin | 2.8618% | 7,082 |
| Noninterest income to average assets | 0.3078% | 5,682 |
| Noninterest expense to average assets | 2.5232% | 5,643 |
| Loan and lease loss provision to assets | 4.5399% | 181 |
| Net operating income to assets | -4.1957% | 7,729 |
| Return on assets (ROA) | -4.1957% | 7,734 |
| Pretax return on assets | -4.1957% | 7,705 |
| Return on Equity (ROE) | -53.1985% | 7,719 |
| Retained earnings to average equity (ytd only) | -53.1985% | 7,709 |
| Net charge-offs to loans | 4.4464% | 288 |
| Credit loss provision to net charge-offs | 140.3403% | 2,523 |
| Earnings coverage of net charge-offs (x) | 0.1064% | 4,938 |
| Efficiency ratio | 87.9961% | 1,586 |
| Assets per employee ($millions) | 4.8155% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5704% | 516 |
| Loan loss allowance to noncurrent loans | 24.6633% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 11.8843% | 269 |
| Noncurrent loans to loans | 14.4766% | 201 |
| Net loans and leases to total assets | 68.4307% | 3,289 |
| Net loans and leases to deposits | 91.6008% | 1,671 |
| Net loans and leases to core deposits | 101.7627% | 1,939 |
| Total domestic deposits to total assets | 74.7054% | 6,948 |
| Equity capital to assets | 7.3652% | 7,168 |
| Core capital (leverage) ratio | 6.7581% | 7,372 |
| Tier 1 risk-based capital ratio | 9.6390% | 7,233 |
| Total risk-based capital ratio | 10.9182% | 7,214 |
| Memoranda: | ||
| Average total assets | $428,821,000 | 1,624 |
| Average earning assets | $383,531,500 | 1,655 |
| Average equity | $33,820,500 | 1,994 |
| Average total loans | $311,985,500 | 1,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 5,054 |
| Cost of funding earning assets | 2.4735% | 1,084 |
| Net interest margin | 2.8526% | 6,956 |
| Noninterest income to average assets | 0.3645% | 5,482 |
| Noninterest expense to average assets | 2.4919% | 6,160 |
| Loan and lease loss provision to assets | 3.9057% | 362 |
| Net operating income to assets | -2.7400% | 7,333 |
| Return on assets (ROA) | -2.7550% | 7,351 |
| Pretax return on assets | -3.4843% | 7,419 |
| Return on Equity (ROE) | -27.4342% | 7,350 |
| Retained earnings to average equity (ytd only) | -27.4342% | 7,326 |
| Net charge-offs to loans | 3.7629% | 484 |
| Credit loss provision to net charge-offs | 131.0275% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.1477% | 6,014 |
| Efficiency ratio | 84.9823% | 2,231 |
| Assets per employee ($millions) | 4.7150% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9578% | 801 |
| Loan loss allowance to noncurrent loans | 23.3402% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 10.5118% | 336 |
| Noncurrent loans to loans | 12.6726% | 254 |
| Net loans and leases to total assets | 72.3373% | 2,673 |
| Net loans and leases to deposits | 99.1623% | 978 |
| Net loans and leases to core deposits | 147.3411% | 573 |
| Total domestic deposits to total assets | 72.9484% | 7,159 |
| Equity capital to assets | 8.4079% | 6,048 |
| Core capital (leverage) ratio | 8.0187% | 6,150 |
| Tier 1 risk-based capital ratio | 10.4807% | 6,411 |
| Total risk-based capital ratio | 11.7511% | 6,372 |
| Memoranda: | ||
| Average total assets | $432,593,600 | 1,601 |
| Average earning assets | $389,401,000 | 1,622 |
| Average equity | $43,442,200 | 1,544 |
| Average total loans | $342,692,200 | 1,412 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 4,627 |
| Cost of funding earning assets | 2.5993% | 1,033 |
| Net interest margin | 2.8616% | 6,935 |
| Noninterest income to average assets | 0.3709% | 5,543 |
| Noninterest expense to average assets | 2.4600% | 6,216 |
| Loan and lease loss provision to assets | 2.8608% | 535 |
| Net operating income to assets | -2.3727% | 7,436 |
| Return on assets (ROA) | -2.3979% | 7,437 |
| Pretax return on assets | -2.3979% | 7,314 |
| Return on Equity (ROE) | -22.9538% | 7,466 |
| Retained earnings to average equity (ytd only) | -22.9538% | 7,437 |
| Net charge-offs to loans | 1.2763% | 1,611 |
| Credit loss provision to net charge-offs | 278.8906% | 1,507 |
| Earnings coverage of net charge-offs (x) | 0.4759% | 5,555 |
| Efficiency ratio | 83.4429% | 2,363 |
| Assets per employee ($millions) | 4.5938% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4122% | 456 |
| Loan loss allowance to noncurrent loans | 80.1080% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 4.3192% | 1,434 |
| Noncurrent loans to loans | 4.2595% | 1,690 |
| Net loans and leases to total assets | 74.8931% | 2,266 |
| Net loans and leases to deposits | 103.7959% | 791 |
| Net loans and leases to core deposits | 153.1545% | 508 |
| Total domestic deposits to total assets | 72.1542% | 7,192 |
| Equity capital to assets | 9.3118% | 5,017 |
| Core capital (leverage) ratio | 9.2895% | 4,203 |
| Tier 1 risk-based capital ratio | 12.2109% | 4,780 |
| Total risk-based capital ratio | 13.4883% | 4,700 |
| Memoranda: | ||
| Average total assets | $433,476,750 | 1,609 |
| Average earning assets | $390,406,750 | 1,635 |
| Average equity | $45,284,000 | 1,506 |
| Average total loans | $348,407,500 | 1,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5206% | 4,507 |
| Cost of funding earning assets | 2.7413% | 928 |
| Net interest margin | 2.7793% | 7,053 |
| Noninterest income to average assets | 0.3815% | 5,452 |
| Noninterest expense to average assets | 2.4588% | 6,266 |
| Loan and lease loss provision to assets | 1.2308% | 1,398 |
| Net operating income to assets | -0.8124% | 6,839 |
| Return on assets (ROA) | -0.8502% | 6,874 |
| Pretax return on assets | -0.8502% | 6,714 |
| Return on Equity (ROE) | -7.8552% | 6,882 |
| Retained earnings to average equity (ytd only) | -7.8552% | 6,652 |
| Net charge-offs to loans | 1.4518% | 1,302 |
| Credit loss provision to net charge-offs | 104.2545% | 4,408 |
| Earnings coverage of net charge-offs (x) | 0.3544% | 5,331 |
| Efficiency ratio | 85.4580% | 2,295 |
| Assets per employee ($millions) | 4.4895% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,692 |
| Loan loss allowance to noncurrent loans | 45.9861% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 3.2435% | 1,927 |
| Noncurrent loans to loans | 3.5022% | 2,003 |
| Net loans and leases to total assets | 80.6031% | 1,212 |
| Net loans and leases to deposits | 115.0605% | 359 |
| Net loans and leases to core deposits | 151.2109% | 622 |
| Total domestic deposits to total assets | 70.0528% | 7,469 |
| Equity capital to assets | 10.9287% | 2,986 |
| Core capital (leverage) ratio | 10.5772% | 2,745 |
| Tier 1 risk-based capital ratio | 13.6577% | 3,720 |
| Total risk-based capital ratio | 14.9126% | 3,644 |
| Memoranda: | ||
| Average total assets | $434,030,000 | 1,628 |
| Average earning assets | $389,743,000 | 1,667 |
| Average equity | $46,975,330 | 1,469 |
| Average total loans | $352,934,670 | 1,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4439% | 5,210 |
| Cost of funding earning assets | 2.8042% | 969 |
| Net interest margin | 2.6397% | 7,312 |
| Noninterest income to average assets | 0.3545% | 5,605 |
| Noninterest expense to average assets | 2.5152% | 5,783 |
| Loan and lease loss provision to assets | 1.2463% | 1,036 |
| Net operating income to assets | -1.0290% | 7,269 |
| Return on assets (ROA) | -1.0290% | 7,284 |
| Pretax return on assets | -1.0290% | 7,165 |
| Return on Equity (ROE) | -9.5522% | 7,334 |
| Retained earnings to average equity (ytd only) | -9.5522% | 7,064 |
| Net charge-offs to loans | 1.9162% | 756 |
| Credit loss provision to net charge-offs | 80.2693% | 4,187 |
| Earnings coverage of net charge-offs (x) | 0.1399% | 4,860 |
| Efficiency ratio | 92.0492% | 1,563 |
| Assets per employee ($millions) | 4.4973% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 3,249 |
| Loan loss allowance to noncurrent loans | 92.3549% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 3,991 |
| Noncurrent loans to loans | 1.5668% | 3,933 |
| Net loans and leases to total assets | 79.1502% | 1,550 |
| Net loans and leases to deposits | 114.8111% | 415 |
| Net loans and leases to core deposits | 154.3039% | 592 |
| Total domestic deposits to total assets | 68.9395% | 7,523 |
| Equity capital to assets | 10.6273% | 3,350 |
| Core capital (leverage) ratio | 10.5619% | 2,856 |
| Tier 1 risk-based capital ratio | 13.3434% | 3,965 |
| Total risk-based capital ratio | 14.5959% | 3,880 |
| Memoranda: | ||
| Average total assets | $440,037,000 | 1,614 |
| Average earning assets | $396,407,500 | 1,645 |
| Average equity | $47,402,500 | 1,454 |
| Average total loans | $356,539,000 | 1,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2215% | 4,408 |
| Cost of funding earning assets | 3.1308% | 1,412 |
| Net interest margin | 3.0907% | 6,672 |
| Noninterest income to average assets | 0.4041% | 5,434 |
| Noninterest expense to average assets | 2.6337% | 5,516 |
| Loan and lease loss provision to assets | 0.4536% | 3,020 |
| Net operating income to assets | 0.1246% | 6,038 |
| Return on assets (ROA) | 0.1246% | 5,886 |
| Pretax return on assets | 0.1279% | 5,888 |
| Return on Equity (ROE) | 1.0913% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.0913% | 4,571 |
| Net charge-offs to loans | 0.0328% | 6,367 |
| Credit loss provision to net charge-offs | 1,688.5965% | 253 |
| Earnings coverage of net charge-offs (x) | 21.6491% | 1,523 |
| Efficiency ratio | 81.9141% | 2,311 |
| Assets per employee ($millions) | 4.3934% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 2,586 |
| Loan loss allowance to noncurrent loans | 105.1020% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 3,769 |
| Noncurrent loans to loans | 1.4463% | 3,633 |
| Net loans and leases to total assets | 80.4969% | 1,551 |
| Net loans and leases to deposits | 117.6610% | 454 |
| Net loans and leases to core deposits | 160.0311% | 573 |
| Total domestic deposits to total assets | 68.4143% | 7,429 |
| Equity capital to assets | 10.9179% | 3,106 |
| Core capital (leverage) ratio | 11.0235% | 2,578 |
| Tier 1 risk-based capital ratio | 13.5254% | 3,810 |
| Total risk-based capital ratio | 14.7789% | 3,703 |
| Memoranda: | ||
| Average total assets | $424,420,600 | 1,604 |
| Average earning assets | $386,030,400 | 1,605 |
| Average equity | $48,473,200 | 1,417 |
| Average total loans | $347,462,000 | 1,396 |