Home > Shelter Bank > Performance and Condition Ratios
Shelter Bank, Performance and Condition Ratios
| 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 | 4.7007% | 2,590 |
| Cost of funding earning assets | 3.4073% | 1 |
| Net interest margin | 1.2934% | 7,013 |
| Noninterest income to average assets | 0.1214% | 6,427 |
| Noninterest expense to average assets | 2.2807% | 5,741 |
| Loan and lease loss provision to assets | -0.3137% | 7,015 |
| Net operating income to assets | -0.4012% | 6,516 |
| Return on assets (ROA) | -0.4012% | 6,564 |
| Pretax return on assets | -0.6088% | 6,620 |
| Return on Equity (ROE) | -3.6535% | 6,530 |
| Retained earnings to average equity (ytd only) | -3.6535% | 6,325 |
| Net charge-offs to loans | 0.0749% | 4,931 |
| Credit loss provision to net charge-offs | -442.6087% | 6,502 |
| Earnings coverage of net charge-offs (x) | -13.0174% | 5,952 |
| Efficiency ratio | 167.9220% | 68 |
| Assets per employee ($millions) | 13.1133% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 5,361 |
| Loan loss allowance to noncurrent loans | 408.9744% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 5,761 |
| Noncurrent loans to loans | 0.2802% | 5,783 |
| Net loans and leases to total assets | 95.3947% | 3 |
| Net loans and leases to deposits | 218.4521% | 16 |
| Net loans and leases to core deposits | 261.0171% | 39 |
| Total domestic deposits to total assets | 43.6685% | 7,024 |
| Equity capital to assets | 11.8097% | 2,178 |
| Core capital (leverage) ratio | 11.8097% | 1,662 |
| Tier 1 risk-based capital ratio | 15.2934% | 3,547 |
| Total risk-based capital ratio | 16.5458% | 3,499 |
| Memoranda: | ||
| Average total assets | $162,276,000 | 3,577 |
| Average earning assets | $155,166,800 | 3,465 |
| Average equity | $17,818,400 | 3,499 |
| Average total loans | $153,598,600 | 2,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,466 |
| Cost of funding earning assets | 1.9572% | 35 |
| Net interest margin | 2.8216% | 6,471 |
| Noninterest income to average assets | 0.0232% | 6,883 |
| Noninterest expense to average assets | 1.8115% | 6,670 |
| Loan and lease loss provision to assets | 0.0096% | 5,688 |
| Net operating income to assets | 0.5508% | 4,622 |
| Return on assets (ROA) | 0.5508% | 4,877 |
| Pretax return on assets | 0.9001% | 4,094 |
| Return on Equity (ROE) | 5.0995% | 4,778 |
| Retained earnings to average equity (ytd only) | 5.0995% | 3,297 |
| Net charge-offs to loans | 0.0594% | 4,833 |
| Credit loss provision to net charge-offs | 17.1429% | 4,995 |
| Earnings coverage of net charge-offs (x) | 16.2574% | 1,702 |
| Efficiency ratio | 66.5687% | 4,337 |
| Assets per employee ($millions) | 6.9767% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,405 |
| Loan loss allowance to noncurrent loans | 172.2488% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 4,671 |
| Noncurrent loans to loans | 0.8088% | 4,793 |
| Net loans and leases to total assets | 95.2756% | 8 |
| Net loans and leases to deposits | 194.5126% | 17 |
| Net loans and leases to core deposits | 325.3314% | 35 |
| Total domestic deposits to total assets | 48.9817% | 7,115 |
| Equity capital to assets | 11.4512% | 2,801 |
| Core capital (leverage) ratio | 11.4512% | 2,023 |
| Tier 1 risk-based capital ratio | 14.6837% | 4,062 |
| Total risk-based capital ratio | 15.9399% | 4,019 |
| Memoranda: | ||
| Average total assets | $166,783,500 | 3,540 |
| Average earning assets | $159,479,750 | 3,420 |
| Average equity | $18,014,250 | 3,498 |
| Average total loans | $157,198,750 | 2,492 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 2,598 |
| Cost of funding earning assets | 2.0151% | 32 |
| Net interest margin | 2.7615% | 6,632 |
| Noninterest income to average assets | 0.0189% | 6,949 |
| Noninterest expense to average assets | 1.8568% | 6,672 |
| Loan and lease loss provision to assets | 0.0142% | 5,483 |
| Net operating income to assets | 0.4820% | 4,903 |
| Return on assets (ROA) | 0.4820% | 5,150 |
| Pretax return on assets | 0.7899% | 4,509 |
| Return on Equity (ROE) | 4.5490% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.5490% | 3,579 |
| Net charge-offs to loans | 0.0709% | 4,439 |
| Credit loss provision to net charge-offs | 21.4286% | 4,579 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,903 |
| Efficiency ratio | 69.7819% | 3,804 |
| Assets per employee ($millions) | 7.1230% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 4,482 |
| Loan loss allowance to noncurrent loans | 261.2981% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 5,417 |
| Noncurrent loans to loans | 0.5347% | 5,453 |
| Net loans and leases to total assets | 93.6416% | 11 |
| Net loans and leases to deposits | 144.0498% | 24 |
| Net loans and leases to core deposits | 214.4916% | 49 |
| Total domestic deposits to total assets | 65.0064% | 7,063 |
| Equity capital to assets | 11.0438% | 3,069 |
| Core capital (leverage) ratio | 11.0438% | 2,257 |
| Tier 1 risk-based capital ratio | 14.4059% | 4,171 |
| Total risk-based capital ratio | 15.6616% | 4,134 |
| Memoranda: | ||
| Average total assets | $168,890,000 | 3,519 |
| Average earning assets | $161,580,670 | 3,393 |
| Average equity | $17,894,000 | 3,515 |
| Average total loans | $157,917,330 | 2,491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 2,543 |
| Cost of funding earning assets | 2.0709% | 33 |
| Net interest margin | 2.7538% | 6,710 |
| Noninterest income to average assets | 0.0187% | 7,049 |
| Noninterest expense to average assets | 1.7874% | 6,807 |
| Loan and lease loss provision to assets | 0.0280% | 5,011 |
| Net operating income to assets | 0.5064% | 4,801 |
| Return on assets (ROA) | 0.5064% | 5,010 |
| Pretax return on assets | 0.8284% | 4,307 |
| Return on Equity (ROE) | 4.8779% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.8779% | 3,625 |
| Net charge-offs to loans | -0.0075% | 5,873 |
| Credit loss provision to net charge-offs | -400.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6081% | 4,249 |
| Assets per employee ($millions) | 7.4165% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 4,513 |
| Loan loss allowance to noncurrent loans | 302.9851% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 5,712 |
| Noncurrent loans to loans | 0.4691% | 5,738 |
| Net loans and leases to total assets | 90.7978% | 29 |
| Net loans and leases to deposits | 135.9699% | 32 |
| Net loans and leases to core deposits | 207.9539% | 52 |
| Total domestic deposits to total assets | 66.7779% | 7,090 |
| Equity capital to assets | 10.4954% | 3,495 |
| Core capital (leverage) ratio | 10.4954% | 2,757 |
| Tier 1 risk-based capital ratio | 13.8987% | 4,529 |
| Total risk-based capital ratio | 15.1548% | 4,511 |
| Memoranda: | ||
| Average total assets | $171,420,000 | 3,494 |
| Average earning assets | $163,409,500 | 3,381 |
| Average equity | $17,794,500 | 3,531 |
| Average total loans | $159,082,500 | 2,499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 2,997 |
| Cost of funding earning assets | 2.2249% | 51 |
| Net interest margin | 2.7502% | 6,881 |
| Noninterest income to average assets | 0.1573% | 6,362 |
| Noninterest expense to average assets | 1.6992% | 7,056 |
| Loan and lease loss provision to assets | 0.1675% | 4,547 |
| Net operating income to assets | 0.5744% | 4,120 |
| Return on assets (ROA) | 0.5744% | 4,307 |
| Pretax return on assets | 0.9305% | 3,508 |
| Return on Equity (ROE) | 5.8614% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.8614% | 2,100 |
| Net charge-offs to loans | 0.0938% | 5,403 |
| Credit loss provision to net charge-offs | 190.9091% | 1,336 |
| Earnings coverage of net charge-offs (x) | 12.5130% | 1,617 |
| Efficiency ratio | 60.7456% | 5,643 |
| Assets per employee ($millions) | 7.4896% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,573 |
| Loan loss allowance to noncurrent loans | 1,120.2020% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 6,287 |
| Noncurrent loans to loans | 0.1229% | 6,498 |
| Net loans and leases to total assets | 92.2043% | 21 |
| Net loans and leases to deposits | 138.9363% | 39 |
| Net loans and leases to core deposits | 212.2004% | 56 |
| Total domestic deposits to total assets | 66.3644% | 7,122 |
| Equity capital to assets | 10.2670% | 3,824 |
| Core capital (leverage) ratio | 10.2670% | 3,007 |
| Tier 1 risk-based capital ratio | 13.2443% | 4,880 |
| Total risk-based capital ratio | 14.4994% | 4,855 |
| Memoranda: | ||
| Average total assets | $175,489,400 | 3,403 |
| Average earning assets | $168,459,800 | 3,270 |
| Average equity | $17,197,200 | 3,546 |
| Average total loans | $164,092,600 | 2,437 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 3,038 |
| Cost of funding earning assets | 2.2455% | 56 |
| Net interest margin | 2.7641% | 6,929 |
| Noninterest income to average assets | 0.1679% | 6,387 |
| Noninterest expense to average assets | 1.6789% | 7,110 |
| Loan and lease loss provision to assets | 0.1543% | 4,537 |
| Net operating income to assets | 0.6209% | 4,007 |
| Return on assets (ROA) | 0.6209% | 4,182 |
| Pretax return on assets | 0.9953% | 3,425 |
| Return on Equity (ROE) | 6.4108% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.4108% | 2,287 |
| Net charge-offs to loans | 0.0890% | 5,081 |
| Credit loss provision to net charge-offs | 185.4545% | 1,584 |
| Earnings coverage of net charge-offs (x) | 13.8185% | 1,582 |
| Efficiency ratio | 59.3583% | 5,817 |
| Assets per employee ($millions) | 7.4053% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 4,806 |
| Loan loss allowance to noncurrent loans | 932.1888% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,372 |
| Noncurrent loans to loans | 0.1441% | 6,585 |
| Net loans and leases to total assets | 93.6907% | 10 |
| Net loans and leases to deposits | 142.6547% | 33 |
| Net loans and leases to core deposits | 217.6804% | 58 |
| Total domestic deposits to total assets | 65.6766% | 7,207 |
| Equity capital to assets | 10.2741% | 3,995 |
| Core capital (leverage) ratio | 10.2741% | 3,107 |
| Tier 1 risk-based capital ratio | 13.0843% | 5,033 |
| Total risk-based capital ratio | 14.3390% | 5,007 |
| Memoranda: | ||
| Average total assets | $176,296,500 | 3,405 |
| Average earning assets | $169,697,500 | 3,256 |
| Average equity | $17,075,000 | 3,572 |
| Average total loans | $164,853,250 | 2,441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 2,944 |
| Cost of funding earning assets | 2.2387% | 65 |
| Net interest margin | 2.8079% | 6,916 |
| Noninterest income to average assets | 0.1750% | 6,411 |
| Noninterest expense to average assets | 1.8038% | 7,080 |
| Loan and lease loss provision to assets | 0.1391% | 4,563 |
| Net operating income to assets | 0.5755% | 4,183 |
| Return on assets (ROA) | 0.5755% | 4,307 |
| Pretax return on assets | 0.9434% | 3,463 |
| Return on Equity (ROE) | 6.0589% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,388 |
| Net charge-offs to loans | -0.0084% | 6,652 |
| Credit loss provision to net charge-offs | -1,771.4286% | 6,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4951% | 5,503 |
| Assets per employee ($millions) | 7.0799% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 4,936 |
| Loan loss allowance to noncurrent loans | 377.6068% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 6,300 |
| Noncurrent loans to loans | 0.3516% | 6,220 |
| Net loans and leases to total assets | 92.7632% | 16 |
| Net loans and leases to deposits | 144.8696% | 33 |
| Net loans and leases to core deposits | 229.8779% | 60 |
| Total domestic deposits to total assets | 64.0322% | 7,314 |
| Equity capital to assets | 9.7126% | 4,522 |
| Core capital (leverage) ratio | 9.7126% | 3,648 |
| Tier 1 risk-based capital ratio | 12.4671% | 5,378 |
| Total risk-based capital ratio | 13.7174% | 5,357 |
| Memoranda: | ||
| Average total assets | $178,288,330 | 3,389 |
| Average earning assets | $172,157,000 | 3,238 |
| Average equity | $16,933,670 | 3,581 |
| Average total loans | $165,888,670 | 2,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 3,103 |
| Cost of funding earning assets | 2.2236% | 80 |
| Net interest margin | 2.7772% | 6,940 |
| Noninterest income to average assets | 0.2168% | 6,179 |
| Noninterest expense to average assets | 1.8353% | 7,094 |
| Loan and lease loss provision to assets | 0.1431% | 4,219 |
| Net operating income to assets | 0.5678% | 4,190 |
| Return on assets (ROA) | 0.5678% | 4,263 |
| Pretax return on assets | 0.9300% | 3,400 |
| Return on Equity (ROE) | 6.0458% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,612 |
| Net charge-offs to loans | -0.0145% | 6,466 |
| Credit loss provision to net charge-offs | -1,066.6667% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1053% | 5,505 |
| Assets per employee ($millions) | 6.8122% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 5,203 |
| Loan loss allowance to noncurrent loans | 204.9618% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 5,777 |
| Noncurrent loans to loans | 0.6270% | 5,782 |
| Net loans and leases to total assets | 93.1525% | 13 |
| Net loans and leases to deposits | 146.1813% | 36 |
| Net loans and leases to core deposits | 239.8968% | 58 |
| Total domestic deposits to total assets | 63.7240% | 7,372 |
| Equity capital to assets | 9.5598% | 4,355 |
| Core capital (leverage) ratio | 9.5598% | 3,713 |
| Tier 1 risk-based capital ratio | 12.2783% | 5,457 |
| Total risk-based capital ratio | 13.5284% | 5,453 |
| Memoranda: | ||
| Average total assets | $178,934,000 | 3,396 |
| Average earning assets | $173,411,500 | 3,244 |
| Average equity | $16,805,000 | 3,590 |
| Average total loans | $165,634,500 | 2,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 4,555 |
| Cost of funding earning assets | 2.2815% | 226 |
| Net interest margin | 2.7200% | 7,105 |
| Noninterest income to average assets | 0.1480% | 6,652 |
| Noninterest expense to average assets | 1.7507% | 7,303 |
| Loan and lease loss provision to assets | 0.2774% | 4,590 |
| Net operating income to assets | 0.4598% | 4,268 |
| Return on assets (ROA) | 0.4598% | 4,437 |
| Pretax return on assets | 0.7579% | 3,769 |
| Return on Equity (ROE) | 5.3248% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.3248% | 2,232 |
| Net charge-offs to loans | 0.1392% | 5,533 |
| Credit loss provision to net charge-offs | 234.5291% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.7534% | 1,928 |
| Efficiency ratio | 62.8403% | 5,547 |
| Assets per employee ($millions) | 6.9520% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,179 |
| Loan loss allowance to noncurrent loans | 181.9615% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 5,428 |
| Noncurrent loans to loans | 0.6958% | 5,658 |
| Net loans and leases to total assets | 89.6559% | 64 |
| Net loans and leases to deposits | 137.4457% | 49 |
| Net loans and leases to core deposits | 239.8561% | 64 |
| Total domestic deposits to total assets | 65.2301% | 7,409 |
| Equity capital to assets | 9.2271% | 4,795 |
| Core capital (leverage) ratio | 9.2271% | 4,124 |
| Tier 1 risk-based capital ratio | 12.2092% | 5,289 |
| Total risk-based capital ratio | 13.4595% | 5,263 |
| Memoranda: | ||
| Average total assets | $188,550,200 | 3,251 |
| Average earning assets | $182,864,600 | 3,093 |
| Average equity | $16,282,400 | 3,706 |
| Average total loans | $160,152,000 | 2,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 4,885 |
| Cost of funding earning assets | 2.2754% | 298 |
| Net interest margin | 2.7115% | 7,219 |
| Noninterest income to average assets | 0.1491% | 6,796 |
| Noninterest expense to average assets | 1.6371% | 7,480 |
| Loan and lease loss provision to assets | 0.2954% | 4,217 |
| Net operating income to assets | 0.5130% | 4,252 |
| Return on assets (ROA) | 0.5130% | 4,443 |
| Pretax return on assets | 0.8490% | 3,737 |
| Return on Equity (ROE) | 6.0389% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.0389% | 2,333 |
| Net charge-offs to loans | 0.1072% | 5,474 |
| Credit loss provision to net charge-offs | 329.6875% | 964 |
| Earnings coverage of net charge-offs (x) | 12.7736% | 1,650 |
| Efficiency ratio | 58.8576% | 6,131 |
| Assets per employee ($millions) | 6.9446% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,960 |
| Loan loss allowance to noncurrent loans | 649.8433% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 6,698 |
| Noncurrent loans to loans | 0.2000% | 6,776 |
| Net loans and leases to total assets | 87.1815% | 136 |
| Net loans and leases to deposits | 147.7511% | 39 |
| Net loans and leases to core deposits | 234.9778% | 64 |
| Total domestic deposits to total assets | 59.0056% | 7,607 |
| Equity capital to assets | 9.1621% | 5,365 |
| Core capital (leverage) ratio | 9.1621% | 4,440 |
| Tier 1 risk-based capital ratio | 12.1984% | 5,270 |
| Total risk-based capital ratio | 13.4483% | 5,244 |
| Memoranda: | ||
| Average total assets | $190,500,000 | 3,269 |
| Average earning assets | $184,933,500 | 3,111 |
| Average equity | $16,183,500 | 3,772 |
| Average total loans | $159,157,000 | 2,672 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 5,094 |
| Cost of funding earning assets | 2.2769% | 364 |
| Net interest margin | 2.6911% | 7,264 |
| Noninterest income to average assets | 0.1372% | 6,900 |
| Noninterest expense to average assets | 1.6015% | 7,564 |
| Loan and lease loss provision to assets | 0.2900% | 4,068 |
| Net operating income to assets | 0.5191% | 4,246 |
| Return on assets (ROA) | 0.5191% | 4,401 |
| Pretax return on assets | 0.8606% | 3,655 |
| Return on Equity (ROE) | 6.2626% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.2626% | 2,195 |
| Net charge-offs to loans | 0.1572% | 4,687 |
| Credit loss provision to net charge-offs | 224.8000% | 1,728 |
| Earnings coverage of net charge-offs (x) | 8.9200% | 2,078 |
| Efficiency ratio | 58.1927% | 6,355 |
| Assets per employee ($millions) | 7.0919% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,321 |
| Loan loss allowance to noncurrent loans | 484.7118% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,709 |
| Noncurrent loans to loans | 0.2530% | 6,726 |
| Net loans and leases to total assets | 84.4813% | 322 |
| Net loans and leases to deposits | 127.5381% | 81 |
| Net loans and leases to core deposits | 349.5927% | 43 |
| Total domestic deposits to total assets | 66.2400% | 7,519 |
| Equity capital to assets | 8.8470% | 5,673 |
| Core capital (leverage) ratio | 8.8470% | 4,842 |
| Tier 1 risk-based capital ratio | 12.1743% | 5,150 |
| Total risk-based capital ratio | 13.4244% | 5,125 |
| Memoranda: | ||
| Average total assets | $193,813,670 | 3,249 |
| Average earning assets | $188,325,000 | 3,089 |
| Average equity | $16,063,670 | 3,788 |
| Average total loans | $159,047,000 | 2,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 5,585 |
| Cost of funding earning assets | 2.2243% | 546 |
| Net interest margin | 2.6513% | 7,341 |
| Noninterest income to average assets | 0.1269% | 7,044 |
| Noninterest expense to average assets | 1.6280% | 7,635 |
| Loan and lease loss provision to assets | 0.2015% | 4,485 |
| Net operating income to assets | 0.5239% | 4,265 |
| Return on assets (ROA) | 0.5239% | 4,405 |
| Pretax return on assets | 0.8744% | 3,561 |
| Return on Equity (ROE) | 6.5249% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.5249% | 2,356 |
| Net charge-offs to loans | 0.0551% | 4,849 |
| Credit loss provision to net charge-offs | 454.5455% | 924 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 1,026 |
| Efficiency ratio | 60.2086% | 6,127 |
| Assets per employee ($millions) | 7.6925% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,671 |
| Loan loss allowance to noncurrent loans | 301.7886% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,680 |
| Noncurrent loans to loans | 0.3869% | 6,507 |
| Net loans and leases to total assets | 78.5554% | 1,050 |
| Net loans and leases to deposits | 153.1624% | 40 |
| Net loans and leases to core deposits | 256.9405% | 68 |
| Total domestic deposits to total assets | 51.2890% | 7,831 |
| Equity capital to assets | 8.0343% | 6,615 |
| Core capital (leverage) ratio | 8.0343% | 6,189 |
| Tier 1 risk-based capital ratio | 11.8375% | 5,364 |
| Total risk-based capital ratio | 13.0876% | 5,306 |
| Memoranda: | ||
| Average total assets | $198,525,500 | 3,233 |
| Average earning assets | $192,961,000 | 3,088 |
| Average equity | $15,939,000 | 3,839 |
| Average total loans | $159,716,000 | 2,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 4,288 |
| Cost of funding earning assets | 2.7982% | 447 |
| Net interest margin | 2.6776% | 7,242 |
| Noninterest income to average assets | 0.1447% | 7,016 |
| Noninterest expense to average assets | 1.6788% | 7,716 |
| Loan and lease loss provision to assets | 0.4291% | 4,253 |
| Net operating income to assets | 0.3866% | 4,176 |
| Return on assets (ROA) | 0.3866% | 4,282 |
| Pretax return on assets | 0.6419% | 3,771 |
| Return on Equity (ROE) | 4.7278% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.7278% | 1,961 |
| Net charge-offs to loans | 0.2476% | 5,075 |
| Credit loss provision to net charge-offs | 197.4293% | 1,998 |
| Earnings coverage of net charge-offs (x) | 4.9280% | 2,748 |
| Efficiency ratio | 61.0524% | 6,323 |
| Assets per employee ($millions) | 8.2103% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,857 |
| Loan loss allowance to noncurrent loans | 317.5000% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,721 |
| Noncurrent loans to loans | 0.3490% | 6,577 |
| Net loans and leases to total assets | 80.5310% | 906 |
| Net loans and leases to deposits | 157.7062% | 35 |
| Net loans and leases to core deposits | 218.7900% | 68 |
| Total domestic deposits to total assets | 51.0640% | 7,899 |
| Equity capital to assets | 8.0230% | 6,558 |
| Core capital (leverage) ratio | 8.0230% | 6,135 |
| Tier 1 risk-based capital ratio | 10.9655% | 5,945 |
| Total risk-based capital ratio | 12.1988% | 5,938 |
| Memoranda: | ||
| Average total assets | $178,993,800 | 3,455 |
| Average earning assets | $174,147,400 | 3,290 |
| Average equity | $14,636,800 | 4,123 |
| Average total loans | $157,091,000 | 2,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 4,013 |
| Cost of funding earning assets | 2.9204% | 421 |
| Net interest margin | 2.6534% | 7,287 |
| Noninterest income to average assets | 0.1612% | 7,046 |
| Noninterest expense to average assets | 1.7637% | 7,698 |
| Loan and lease loss provision to assets | 0.3271% | 4,372 |
| Net operating income to assets | 0.3928% | 4,426 |
| Return on assets (ROA) | 0.3928% | 4,526 |
| Pretax return on assets | 0.6534% | 4,006 |
| Return on Equity (ROE) | 4.7778% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.7778% | 2,620 |
| Net charge-offs to loans | 0.2748% | 4,328 |
| Credit loss provision to net charge-offs | 132.9193% | 3,759 |
| Earnings coverage of net charge-offs (x) | 3.9845% | 3,311 |
| Efficiency ratio | 64.2718% | 5,692 |
| Assets per employee ($millions) | 8.0792% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,679 |
| Loan loss allowance to noncurrent loans | 477.7778% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 7,098 |
| Noncurrent loans to loans | 0.1923% | 7,018 |
| Net loans and leases to total assets | 83.7206% | 574 |
| Net loans and leases to deposits | 157.1004% | 47 |
| Net loans and leases to core deposits | 227.0928% | 62 |
| Total domestic deposits to total assets | 53.2911% | 7,955 |
| Equity capital to assets | 8.0613% | 6,788 |
| Core capital (leverage) ratio | 8.0613% | 6,249 |
| Tier 1 risk-based capital ratio | 10.8127% | 6,141 |
| Total risk-based capital ratio | 11.8537% | 6,315 |
| Memoranda: | ||
| Average total assets | $174,480,500 | 3,544 |
| Average earning assets | $169,838,250 | 3,372 |
| Average equity | $14,343,750 | 4,218 |
| Average total loans | $156,248,250 | 2,850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 3,815 |
| Cost of funding earning assets | 3.0768% | 379 |
| Net interest margin | 2.5732% | 7,389 |
| Noninterest income to average assets | 0.1750% | 7,044 |
| Noninterest expense to average assets | 1.8916% | 7,636 |
| Loan and lease loss provision to assets | 0.2714% | 4,405 |
| Net operating income to assets | 0.3143% | 4,830 |
| Return on assets (ROA) | 0.3143% | 4,945 |
| Pretax return on assets | 0.5119% | 4,579 |
| Return on Equity (ROE) | 3.7946% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.7946% | 3,183 |
| Net charge-offs to loans | 0.2940% | 3,718 |
| Credit loss provision to net charge-offs | 100.8850% | 4,529 |
| Earnings coverage of net charge-offs (x) | 2.9115% | 3,649 |
| Efficiency ratio | 70.7165% | 4,640 |
| Assets per employee ($millions) | 8.1887% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,847 |
| Loan loss allowance to noncurrent loans | 401.1461% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 6,287 |
| Noncurrent loans to loans | 0.2196% | 6,964 |
| Net loans and leases to total assets | 83.6350% | 686 |
| Net loans and leases to deposits | 154.7672% | 51 |
| Net loans and leases to core deposits | 219.3919% | 82 |
| Total domestic deposits to total assets | 54.0392% | 8,028 |
| Equity capital to assets | 8.1666% | 6,538 |
| Core capital (leverage) ratio | 8.1666% | 6,043 |
| Tier 1 risk-based capital ratio | 10.8849% | 5,999 |
| Total risk-based capital ratio | 11.8756% | 6,193 |
| Memoranda: | ||
| Average total assets | $168,007,000 | 3,676 |
| Average earning assets | $163,219,670 | 3,503 |
| Average equity | $13,914,670 | 4,324 |
| Average total loans | $153,717,670 | 2,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 2,843 |
| Cost of funding earning assets | 3.3370% | 241 |
| Net interest margin | 2.5544% | 7,435 |
| Noninterest income to average assets | 0.1521% | 7,212 |
| Noninterest expense to average assets | 1.8272% | 7,663 |
| Loan and lease loss provision to assets | 0.2484% | 3,986 |
| Net operating income to assets | 0.3345% | 5,140 |
| Return on assets (ROA) | 0.3345% | 5,325 |
| Pretax return on assets | 0.5499% | 4,917 |
| Return on Equity (ROE) | 4.0056% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.0056% | 3,672 |
| Net charge-offs to loans | 0.2409% | 3,198 |
| Credit loss provision to net charge-offs | 107.6923% | 3,556 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 3,170 |
| Efficiency ratio | 69.5946% | 4,657 |
| Assets per employee ($millions) | 6.9711% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 6,651 |
| Loan loss allowance to noncurrent loans | 161.4237% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 5,848 |
| Noncurrent loans to loans | 0.5703% | 5,986 |
| Net loans and leases to total assets | 94.3806% | 27 |
| Net loans and leases to deposits | 147.6596% | 69 |
| Net loans and leases to core deposits | 206.2674% | 127 |
| Total domestic deposits to total assets | 63.9176% | 7,849 |
| Equity capital to assets | 8.2626% | 6,442 |
| Core capital (leverage) ratio | 8.2626% | 5,977 |
| Tier 1 risk-based capital ratio | 10.2947% | 6,595 |
| Total risk-based capital ratio | 11.3872% | 6,686 |
| Memoranda: | ||
| Average total assets | $157,840,000 | 3,866 |
| Average earning assets | $152,834,000 | 3,699 |
| Average equity | $13,181,500 | 4,539 |
| Average total loans | $151,117,000 | 2,992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5554% | 2,693 |
| Cost of funding earning assets | 3.8099% | 194 |
| Net interest margin | 2.7456% | 7,418 |
| Noninterest income to average assets | 0.2364% | 6,753 |
| Noninterest expense to average assets | 1.6661% | 7,898 |
| Loan and lease loss provision to assets | 0.4021% | 3,271 |
| Net operating income to assets | 0.5067% | 4,699 |
| Return on assets (ROA) | 0.5067% | 4,550 |
| Pretax return on assets | 0.8191% | 3,996 |
| Return on Equity (ROE) | 6.0508% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.0508% | 1,507 |
| Net charge-offs to loans | 0.2293% | 3,950 |
| Credit loss provision to net charge-offs | 182.1538% | 2,743 |
| Earnings coverage of net charge-offs (x) | 5.5323% | 3,615 |
| Efficiency ratio | 57.7041% | 6,750 |
| Assets per employee ($millions) | 6.7541% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 6,471 |
| Loan loss allowance to noncurrent loans | 257.6427% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 6,196 |
| Noncurrent loans to loans | 0.3632% | 6,276 |
| Net loans and leases to total assets | 95.3387% | 15 |
| Net loans and leases to deposits | 153.2792% | 76 |
| Net loans and leases to core deposits | 211.7330% | 135 |
| Total domestic deposits to total assets | 62.1994% | 7,876 |
| Equity capital to assets | 8.4426% | 6,182 |
| Core capital (leverage) ratio | 8.4426% | 5,673 |
| Tier 1 risk-based capital ratio | 10.3052% | 6,412 |
| Total risk-based capital ratio | 11.4045% | 6,430 |
| Memoranda: | ||
| Average total assets | $147,228,600 | 3,949 |
| Average earning assets | $142,157,000 | 3,805 |
| Average equity | $12,329,000 | 4,750 |
| Average total loans | $141,713,000 | 3,063 |