Home > Slavie Federal Savings Bank > Performance and Condition Ratios
Slavie Federal Savings Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 4,112 |
| Cost of funding earning assets | 1.5311% | 28 |
| Net interest margin | 2.3615% | 6,442 |
| Noninterest income to average assets | 0.7607% | 1,909 |
| Noninterest expense to average assets | 4.1090% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2952% | 6,618 |
| Return on assets (ROA) | -1.2952% | 6,613 |
| Pretax return on assets | -1.2896% | 6,599 |
| Return on Equity (ROE) | -60.5520% | 6,701 |
| Retained earnings to average equity (ytd only) | -60.5520% | 6,687 |
| Net charge-offs to loans | -0.5478% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.7372% | 74 |
| Assets per employee ($millions) | 4.8298% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3437% | 145 |
| Loan loss allowance to noncurrent loans | 37.0887% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 12.1545% | 73 |
| Noncurrent loans to loans | 11.7117% | 67 |
| Net loans and leases to total assets | 62.7339% | 3,115 |
| Net loans and leases to deposits | 79.0583% | 2,421 |
| Net loans and leases to core deposits | 84.2203% | 2,489 |
| Total domestic deposits to total assets | 79.3514% | 5,621 |
| Equity capital to assets | 2.0948% | 6,711 |
| Core capital (leverage) ratio | 2.0948% | 6,717 |
| Tier 1 risk-based capital ratio | 3.8276% | 6,709 |
| Total risk-based capital ratio | 5.1256% | 6,710 |
| Memoranda: | ||
| Average total assets | $141,444,000 | 3,858 |
| Average earning assets | $123,313,500 | 3,979 |
| Average equity | $3,025,500 | 6,443 |
| Average total loans | $93,456,500 | 3,622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 3,551 |
| Cost of funding earning assets | 1.6084% | 37 |
| Net interest margin | 2.5387% | 6,336 |
| Noninterest income to average assets | -0.2640% | 6,772 |
| Noninterest expense to average assets | 4.2269% | 681 |
| Loan and lease loss provision to assets | 0.1264% | 2,730 |
| Net operating income to assets | -2.3709% | 6,730 |
| Return on assets (ROA) | -2.3709% | 6,730 |
| Pretax return on assets | -2.3703% | 6,727 |
| Return on Equity (ROE) | -78.3266% | 6,796 |
| Retained earnings to average equity (ytd only) | -78.3266% | 6,796 |
| Net charge-offs to loans | 1.9108% | 205 |
| Credit loss provision to net charge-offs | 9.9076% | 4,585 |
| Earnings coverage of net charge-offs (x) | -1.7582% | 5,312 |
| Efficiency ratio | 213.1483% | 25 |
| Assets per employee ($millions) | 4.9250% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0629% | 195 |
| Loan loss allowance to noncurrent loans | 30.4023% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 13.7833% | 56 |
| Noncurrent loans to loans | 13.3637% | 51 |
| Net loans and leases to total assets | 63.8502% | 3,063 |
| Net loans and leases to deposits | 80.1727% | 2,434 |
| Net loans and leases to core deposits | 85.6628% | 2,488 |
| Total domestic deposits to total assets | 79.6408% | 5,521 |
| Equity capital to assets | 2.1824% | 6,786 |
| Core capital (leverage) ratio | 2.1824% | 6,791 |
| Tier 1 risk-based capital ratio | 3.8507% | 6,787 |
| Total risk-based capital ratio | 5.1442% | 6,787 |
| Memoranda: | ||
| Average total assets | $152,641,400 | 3,663 |
| Average earning assets | $135,106,200 | 3,735 |
| Average equity | $4,620,400 | 6,166 |
| Average total loans | $101,948,200 | 3,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,239 |
| Cost of funding earning assets | 1.6097% | 38 |
| Net interest margin | 2.6289% | 6,280 |
| Noninterest income to average assets | -0.4092% | 6,862 |
| Noninterest expense to average assets | 4.2553% | 656 |
| Loan and lease loss provision to assets | 0.1659% | 2,185 |
| Net operating income to assets | -2.4956% | 6,822 |
| Return on assets (ROA) | -2.4956% | 6,824 |
| Pretax return on assets | -2.4956% | 6,821 |
| Return on Equity (ROE) | -77.4695% | 6,875 |
| Retained earnings to average equity (ytd only) | -77.4695% | 6,872 |
| Net charge-offs to loans | 2.2069% | 157 |
| Credit loss provision to net charge-offs | 11.2471% | 4,207 |
| Earnings coverage of net charge-offs (x) | -1.5793% | 5,052 |
| Efficiency ratio | 220.9821% | 25 |
| Assets per employee ($millions) | 4.9508% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3214% | 189 |
| Loan loss allowance to noncurrent loans | 30.4584% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 14.0718% | 62 |
| Noncurrent loans to loans | 14.1880% | 50 |
| Net loans and leases to total assets | 61.0144% | 3,521 |
| Net loans and leases to deposits | 76.5315% | 2,878 |
| Net loans and leases to core deposits | 82.1803% | 2,856 |
| Total domestic deposits to total assets | 79.7245% | 5,574 |
| Equity capital to assets | 2.5801% | 6,857 |
| Core capital (leverage) ratio | 2.5801% | 6,865 |
| Tier 1 risk-based capital ratio | 4.7095% | 6,851 |
| Total risk-based capital ratio | 6.0060% | 6,851 |
| Memoranda: | ||
| Average total assets | $155,095,500 | 3,662 |
| Average earning assets | $137,748,250 | 3,739 |
| Average equity | $4,996,250 | 6,138 |
| Average total loans | $103,671,250 | 3,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 2,760 |
| Cost of funding earning assets | 1.5932% | 44 |
| Net interest margin | 2.7578% | 6,084 |
| Noninterest income to average assets | -0.7553% | 6,921 |
| Noninterest expense to average assets | 4.0309% | 834 |
| Loan and lease loss provision to assets | 0.1996% | 1,902 |
| Net operating income to assets | -2.5228% | 6,876 |
| Return on assets (ROA) | -2.5228% | 6,877 |
| Pretax return on assets | -2.5228% | 6,871 |
| Return on Equity (ROE) | -73.6953% | 6,923 |
| Retained earnings to average equity (ytd only) | -73.6953% | 6,920 |
| Net charge-offs to loans | 1.7252% | 281 |
| Credit loss provision to net charge-offs | 17.0652% | 3,791 |
| Earnings coverage of net charge-offs (x) | -1.9859% | 4,767 |
| Efficiency ratio | 236.0387% | 24 |
| Assets per employee ($millions) | 5.1225% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7552% | 141 |
| Loan loss allowance to noncurrent loans | 28.7713% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 14.1994% | 70 |
| Noncurrent loans to loans | 16.5276% | 36 |
| Net loans and leases to total assets | 63.2660% | 3,051 |
| Net loans and leases to deposits | 79.2288% | 2,430 |
| Net loans and leases to core deposits | 85.2102% | 2,411 |
| Total domestic deposits to total assets | 79.8523% | 5,640 |
| Equity capital to assets | 3.0916% | 6,898 |
| Core capital (leverage) ratio | 3.0916% | 6,901 |
| Tier 1 risk-based capital ratio | 5.5567% | 6,883 |
| Total risk-based capital ratio | 6.8608% | 6,884 |
| Memoranda: | ||
| Average total assets | $157,286,000 | 3,658 |
| Average earning assets | $140,475,330 | 3,714 |
| Average equity | $5,384,330 | 6,084 |
| Average total loans | $106,657,000 | 3,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 2,480 |
| Cost of funding earning assets | 1.5975% | 42 |
| Net interest margin | 2.8153% | 5,998 |
| Noninterest income to average assets | -1.4080% | 7,010 |
| Noninterest expense to average assets | 3.7664% | 1,155 |
| Loan and lease loss provision to assets | 0.3947% | 789 |
| Net operating income to assets | -3.0523% | 6,970 |
| Return on assets (ROA) | -3.0523% | 6,972 |
| Pretax return on assets | -3.0523% | 6,968 |
| Return on Equity (ROE) | -85.1780% | 7,000 |
| Retained earnings to average equity (ytd only) | -85.1780% | 6,998 |
| Net charge-offs to loans | 3.3631% | 98 |
| Credit loss provision to net charge-offs | 17.1397% | 3,082 |
| Earnings coverage of net charge-offs (x) | -1.1539% | 3,975 |
| Efficiency ratio | 339.6825% | 13 |
| Assets per employee ($millions) | 5.6358% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5980% | 182 |
| Loan loss allowance to noncurrent loans | 28.2597% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 13.6031% | 99 |
| Noncurrent loans to loans | 16.2703% | 55 |
| Net loans and leases to total assets | 63.8629% | 2,734 |
| Net loans and leases to deposits | 79.5606% | 2,139 |
| Net loans and leases to core deposits | 85.7859% | 2,126 |
| Total domestic deposits to total assets | 80.2696% | 5,695 |
| Equity capital to assets | 3.2287% | 6,968 |
| Core capital (leverage) ratio | 3.2287% | 6,961 |
| Tier 1 risk-based capital ratio | 5.3589% | 6,947 |
| Total risk-based capital ratio | 6.6568% | 6,950 |
| Memoranda: | ||
| Average total assets | $159,091,500 | 3,666 |
| Average earning assets | $142,225,000 | 3,725 |
| Average equity | $5,701,000 | 6,046 |
| Average total loans | $108,946,500 | 3,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 2,935 |
| Cost of funding earning assets | 1.9231% | 40 |
| Net interest margin | 2.6929% | 6,530 |
| Noninterest income to average assets | 0.4108% | 4,519 |
| Noninterest expense to average assets | 3.2042% | 2,594 |
| Loan and lease loss provision to assets | 3.5769% | 24 |
| Net operating income to assets | -5.1864% | 7,063 |
| Return on assets (ROA) | -5.1864% | 7,064 |
| Pretax return on assets | -3.9780% | 7,047 |
| Return on Equity (ROE) | -76.1978% | 7,054 |
| Retained earnings to average equity (ytd only) | -76.1978% | 7,054 |
| Net charge-offs to loans | 5.2026% | 29 |
| Credit loss provision to net charge-offs | 99.1484% | 3,129 |
| Earnings coverage of net charge-offs (x) | -0.1112% | 5,545 |
| Efficiency ratio | 114.3089% | 272 |
| Assets per employee ($millions) | 5.7279% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0036% | 136 |
| Loan loss allowance to noncurrent loans | 58.0929% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 8.9088% | 281 |
| Noncurrent loans to loans | 8.6131% | 318 |
| Net loans and leases to total assets | 66.4929% | 2,455 |
| Net loans and leases to deposits | 83.2100% | 1,852 |
| Net loans and leases to core deposits | 89.5121% | 1,891 |
| Total domestic deposits to total assets | 79.9097% | 5,692 |
| Equity capital to assets | 3.9325% | 7,005 |
| Core capital (leverage) ratio | 3.9325% | 6,997 |
| Tier 1 risk-based capital ratio | 6.7682% | 6,964 |
| Total risk-based capital ratio | 8.0774% | 6,964 |
| Memoranda: | ||
| Average total assets | $175,766,800 | 3,367 |
| Average earning assets | $156,150,400 | 3,443 |
| Average equity | $11,963,600 | 4,573 |
| Average total loans | $121,881,600 | 3,036 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 2,665 |
| Cost of funding earning assets | 1.9675% | 34 |
| Net interest margin | 2.7639% | 6,561 |
| Noninterest income to average assets | 0.3912% | 4,699 |
| Noninterest expense to average assets | 3.1385% | 2,765 |
| Loan and lease loss provision to assets | 3.5624% | 25 |
| Net operating income to assets | -2.3546% | 7,080 |
| Return on assets (ROA) | -2.3546% | 7,082 |
| Pretax return on assets | -3.8571% | 7,135 |
| Return on Equity (ROE) | -31.6139% | 7,070 |
| Retained earnings to average equity (ytd only) | -31.6139% | 7,063 |
| Net charge-offs to loans | 5.1943% | 35 |
| Credit loss provision to net charge-offs | 99.1119% | 3,031 |
| Earnings coverage of net charge-offs (x) | -0.0820% | 5,368 |
| Efficiency ratio | 110.3628% | 302 |
| Assets per employee ($millions) | 5.7306% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8152% | 165 |
| Loan loss allowance to noncurrent loans | 67.5630% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 7.3273% | 469 |
| Noncurrent loans to loans | 7.1270% | 506 |
| Net loans and leases to total assets | 64.7122% | 2,894 |
| Net loans and leases to deposits | 83.2201% | 1,971 |
| Net loans and leases to core deposits | 89.6499% | 2,031 |
| Total domestic deposits to total assets | 77.7603% | 6,124 |
| Equity capital to assets | 7.1255% | 6,860 |
| Core capital (leverage) ratio | 5.9460% | 6,950 |
| Tier 1 risk-based capital ratio | 10.3462% | 6,714 |
| Total risk-based capital ratio | 11.6521% | 6,678 |
| Memoranda: | ||
| Average total assets | $179,613,250 | 3,358 |
| Average earning assets | $159,386,500 | 3,423 |
| Average equity | $13,377,750 | 4,324 |
| Average total loans | $124,287,250 | 3,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 3,080 |
| Cost of funding earning assets | 1.9782% | 40 |
| Net interest margin | 2.6849% | 6,726 |
| Noninterest income to average assets | 0.3513% | 5,031 |
| Noninterest expense to average assets | 2.7808% | 4,092 |
| Loan and lease loss provision to assets | 3.5076% | 39 |
| Net operating income to assets | -2.1902% | 7,092 |
| Return on assets (ROA) | -2.1902% | 7,102 |
| Pretax return on assets | -3.5471% | 7,172 |
| Return on Equity (ROE) | -29.0104% | 7,091 |
| Retained earnings to average equity (ytd only) | -29.0104% | 7,079 |
| Net charge-offs to loans | 5.0443% | 60 |
| Credit loss provision to net charge-offs | 99.9374% | 2,779 |
| Earnings coverage of net charge-offs (x) | -0.0113% | 5,084 |
| Efficiency ratio | 101.4417% | 510 |
| Assets per employee ($millions) | 6.1165% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6293% | 210 |
| Loan loss allowance to noncurrent loans | 56.4966% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 8.2507% | 408 |
| Noncurrent loans to loans | 8.1939% | 410 |
| Net loans and leases to total assets | 65.8548% | 2,701 |
| Net loans and leases to deposits | 84.6458% | 1,768 |
| Net loans and leases to core deposits | 90.9595% | 1,878 |
| Total domestic deposits to total assets | 77.8005% | 6,193 |
| Equity capital to assets | 7.5680% | 6,773 |
| Core capital (leverage) ratio | 6.4787% | 6,934 |
| Tier 1 risk-based capital ratio | 11.1441% | 6,431 |
| Total risk-based capital ratio | 12.4471% | 6,384 |
| Memoranda: | ||
| Average total assets | $182,178,330 | 3,321 |
| Average earning assets | $162,166,000 | 3,383 |
| Average equity | $13,753,670 | 4,246 |
| Average total loans | $126,756,330 | 2,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 3,301 |
| Cost of funding earning assets | 1.9948% | 48 |
| Net interest margin | 2.6476% | 6,837 |
| Noninterest income to average assets | 0.3229% | 5,291 |
| Noninterest expense to average assets | 2.5355% | 5,038 |
| Loan and lease loss provision to assets | 4.2453% | 29 |
| Net operating income to assets | -2.5767% | 7,198 |
| Return on assets (ROA) | -2.5767% | 7,201 |
| Pretax return on assets | -4.0937% | 7,251 |
| Return on Equity (ROE) | -34.1703% | 7,184 |
| Retained earnings to average equity (ytd only) | -34.1703% | 7,161 |
| Net charge-offs to loans | 6.2439% | 57 |
| Credit loss provision to net charge-offs | 97.3658% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.0348% | 4,351 |
| Efficiency ratio | 94.3548% | 803 |
| Assets per employee ($millions) | 6.0874% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4455% | 256 |
| Loan loss allowance to noncurrent loans | 61.9268% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 7.4142% | 549 |
| Noncurrent loans to loans | 7.1786% | 604 |
| Net loans and leases to total assets | 66.1242% | 2,449 |
| Net loans and leases to deposits | 84.7668% | 1,570 |
| Net loans and leases to core deposits | 91.0460% | 1,745 |
| Total domestic deposits to total assets | 78.0072% | 6,261 |
| Equity capital to assets | 7.7898% | 6,636 |
| Core capital (leverage) ratio | 6.6432% | 6,943 |
| Tier 1 risk-based capital ratio | 11.9172% | 6,018 |
| Total risk-based capital ratio | 13.2210% | 5,976 |
| Memoranda: | ||
| Average total assets | $184,578,500 | 3,308 |
| Average earning assets | $164,830,500 | 3,365 |
| Average equity | $13,918,500 | 4,217 |
| Average total loans | $128,893,500 | 2,962 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 3,727 |
| Cost of funding earning assets | 2.0610% | 75 |
| Net interest margin | 2.7568% | 6,875 |
| Noninterest income to average assets | -0.7856% | 7,305 |
| Noninterest expense to average assets | 2.3088% | 6,020 |
| Loan and lease loss provision to assets | 2.2409% | 229 |
| Net operating income to assets | -1.6352% | 6,944 |
| Return on assets (ROA) | -1.5293% | 6,937 |
| Pretax return on assets | -2.6355% | 7,138 |
| Return on Equity (ROE) | -18.9481% | 6,971 |
| Retained earnings to average equity (ytd only) | -18.9481% | 6,956 |
| Net charge-offs to loans | 0.2850% | 3,995 |
| Credit loss provision to net charge-offs | 1,097.5000% | 205 |
| Earnings coverage of net charge-offs (x) | -2.7425% | 6,314 |
| Efficiency ratio | 131.5820% | 221 |
| Assets per employee ($millions) | 5.6525% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0370% | 376 |
| Loan loss allowance to noncurrent loans | 68.5666% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 6.1640% | 786 |
| Noncurrent loans to loans | 5.8876% | 860 |
| Net loans and leases to total assets | 67.6048% | 2,470 |
| Net loans and leases to deposits | 85.8360% | 1,689 |
| Net loans and leases to core deposits | 91.5882% | 1,932 |
| Total domestic deposits to total assets | 78.7604% | 6,048 |
| Equity capital to assets | 7.2968% | 6,880 |
| Core capital (leverage) ratio | 6.3879% | 7,000 |
| Tier 1 risk-based capital ratio | 11.6658% | 6,046 |
| Total risk-based capital ratio | 12.9649% | 6,002 |
| Memoranda: | ||
| Average total assets | $195,905,600 | 3,103 |
| Average earning assets | $180,103,200 | 3,086 |
| Average equity | $15,811,600 | 3,753 |
| Average total loans | $140,364,200 | 2,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 3,817 |
| Cost of funding earning assets | 2.0735% | 88 |
| Net interest margin | 2.7695% | 6,922 |
| Noninterest income to average assets | 0.2576% | 5,780 |
| Noninterest expense to average assets | 2.2739% | 6,106 |
| Loan and lease loss provision to assets | 2.9121% | 118 |
| Net operating income to assets | -1.3749% | 7,009 |
| Return on assets (ROA) | -1.2355% | 6,989 |
| Pretax return on assets | -2.1521% | 7,149 |
| Return on Equity (ROE) | -14.9695% | 7,016 |
| Retained earnings to average equity (ytd only) | -14.9695% | 6,991 |
| Net charge-offs to loans | 0.3104% | 3,544 |
| Credit loss provision to net charge-offs | 1,304.2169% | 208 |
| Earnings coverage of net charge-offs (x) | 2.4277% | 3,909 |
| Efficiency ratio | 80.4633% | 2,189 |
| Assets per employee ($millions) | 5.6144% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9277% | 415 |
| Loan loss allowance to noncurrent loans | 66.9860% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 7.2157% | 671 |
| Noncurrent loans to loans | 5.8635% | 967 |
| Net loans and leases to total assets | 68.0919% | 2,475 |
| Net loans and leases to deposits | 86.6574% | 1,596 |
| Net loans and leases to core deposits | 92.5573% | 1,930 |
| Total domestic deposits to total assets | 78.5760% | 6,081 |
| Equity capital to assets | 7.7354% | 6,830 |
| Core capital (leverage) ratio | 7.3968% | 6,812 |
| Tier 1 risk-based capital ratio | 13.6544% | 4,611 |
| Total risk-based capital ratio | 14.9531% | 4,541 |
| Memoranda: | ||
| Average total assets | $198,248,500 | 3,094 |
| Average earning assets | $183,130,250 | 3,064 |
| Average equity | $16,361,750 | 3,682 |
| Average total loans | $142,602,500 | 2,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 3,239 |
| Cost of funding earning assets | 2.0806% | 110 |
| Net interest margin | 2.9028% | 6,784 |
| Noninterest income to average assets | 0.1844% | 6,340 |
| Noninterest expense to average assets | 2.2541% | 6,234 |
| Loan and lease loss provision to assets | 0.2999% | 3,005 |
| Net operating income to assets | 0.1866% | 5,785 |
| Return on assets (ROA) | 0.2083% | 5,830 |
| Pretax return on assets | 0.3558% | 5,529 |
| Return on Equity (ROE) | 2.4743% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.4743% | 4,710 |
| Net charge-offs to loans | 0.1062% | 4,623 |
| Credit loss provision to net charge-offs | 390.9091% | 771 |
| Earnings coverage of net charge-offs (x) | 8.1039% | 2,116 |
| Efficiency ratio | 78.1012% | 2,694 |
| Assets per employee ($millions) | 6.0023% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 5,104 |
| Loan loss allowance to noncurrent loans | 33.9082% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 4.8173% | 1,288 |
| Noncurrent loans to loans | 3.8057% | 1,833 |
| Net loans and leases to total assets | 69.8587% | 2,244 |
| Net loans and leases to deposits | 89.2315% | 1,350 |
| Net loans and leases to core deposits | 94.5094% | 1,847 |
| Total domestic deposits to total assets | 78.2893% | 6,232 |
| Equity capital to assets | 8.5714% | 6,098 |
| Core capital (leverage) ratio | 8.4813% | 5,579 |
| Tier 1 risk-based capital ratio | 14.8738% | 3,570 |
| Total risk-based capital ratio | 16.1163% | 3,536 |
| Memoranda: | ||
| Average total assets | $200,701,670 | 3,093 |
| Average earning assets | $186,097,000 | 3,046 |
| Average equity | $16,893,670 | 3,593 |
| Average total loans | $145,038,670 | 2,757 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 2,673 |
| Cost of funding earning assets | 2.1184% | 112 |
| Net interest margin | 2.9748% | 6,622 |
| Noninterest income to average assets | 0.2059% | 6,259 |
| Noninterest expense to average assets | 2.3028% | 6,174 |
| Loan and lease loss provision to assets | 0.1465% | 4,181 |
| Net operating income to assets | 0.3014% | 5,391 |
| Return on assets (ROA) | 0.3445% | 5,280 |
| Pretax return on assets | 0.5821% | 4,751 |
| Return on Equity (ROE) | 4.1302% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.1302% | 3,689 |
| Net charge-offs to loans | 0.0651% | 4,276 |
| Credit loss provision to net charge-offs | 308.3333% | 1,042 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 1,399 |
| Efficiency ratio | 77.6887% | 2,896 |
| Assets per employee ($millions) | 6.9320% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,946 |
| Loan loss allowance to noncurrent loans | 33.4630% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 4.1606% | 1,588 |
| Noncurrent loans to loans | 3.3679% | 2,223 |
| Net loans and leases to total assets | 71.3542% | 1,848 |
| Net loans and leases to deposits | 90.7780% | 1,145 |
| Net loans and leases to core deposits | 96.9288% | 1,600 |
| Total domestic deposits to total assets | 78.6030% | 6,274 |
| Equity capital to assets | 8.4242% | 6,024 |
| Core capital (leverage) ratio | 8.3335% | 5,742 |
| Tier 1 risk-based capital ratio | 15.5197% | 3,156 |
| Total risk-based capital ratio | 16.7679% | 3,103 |
| Memoranda: | ||
| Average total assets | $202,014,000 | 3,090 |
| Average earning assets | $187,307,000 | 3,048 |
| Average equity | $16,851,500 | 3,584 |
| Average total loans | $147,466,500 | 2,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 2,739 |
| Cost of funding earning assets | 2.4400% | 134 |
| Net interest margin | 2.9463% | 6,827 |
| Noninterest income to average assets | 0.0933% | 6,927 |
| Noninterest expense to average assets | 2.2426% | 6,504 |
| Loan and lease loss provision to assets | 0.1491% | 5,703 |
| Net operating income to assets | 0.2565% | 5,095 |
| Return on assets (ROA) | 0.2683% | 5,203 |
| Pretax return on assets | 0.4418% | 4,818 |
| Return on Equity (ROE) | 3.2448% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.2448% | 3,597 |
| Net charge-offs to loans | 0.0088% | 6,747 |
| Credit loss provision to net charge-offs | 2,135.7143% | 105 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 293 |
| Efficiency ratio | 79.3800% | 2,500 |
| Assets per employee ($millions) | 6.1515% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,977 |
| Loan loss allowance to noncurrent loans | 28.6039% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 4.5192% | 1,480 |
| Noncurrent loans to loans | 3.8143% | 1,934 |
| Net loans and leases to total assets | 73.0153% | 1,866 |
| Net loans and leases to deposits | 92.6271% | 1,188 |
| Net loans and leases to core deposits | 98.1278% | 1,786 |
| Total domestic deposits to total assets | 78.8271% | 6,126 |
| Equity capital to assets | 8.2601% | 6,194 |
| Core capital (leverage) ratio | 8.1642% | 5,884 |
| Tier 1 risk-based capital ratio | 14.1616% | 3,762 |
| Total risk-based capital ratio | 15.4113% | 3,717 |
| Memoranda: | ||
| Average total assets | $200,529,600 | 3,093 |
| Average earning assets | $185,247,000 | 3,058 |
| Average equity | $16,580,600 | 3,662 |
| Average total loans | $159,241,400 | 2,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 2,397 |
| Cost of funding earning assets | 2.4801% | 153 |
| Net interest margin | 3.0289% | 6,770 |
| Noninterest income to average assets | 0.2101% | 6,408 |
| Noninterest expense to average assets | 2.1962% | 6,613 |
| Loan and lease loss provision to assets | 0.1427% | 5,606 |
| Net operating income to assets | 0.3847% | 4,817 |
| Return on assets (ROA) | 0.3868% | 4,992 |
| Pretax return on assets | 0.6683% | 4,357 |
| Return on Equity (ROE) | 4.6772% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.6772% | 3,209 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8242% | 3,551 |
| Assets per employee ($millions) | 5.9742% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,146 |
| Loan loss allowance to noncurrent loans | 38.1208% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 3.8322% | 1,855 |
| Noncurrent loans to loans | 2.7623% | 2,877 |
| Net loans and leases to total assets | 75.6350% | 1,473 |
| Net loans and leases to deposits | 96.0038% | 978 |
| Net loans and leases to core deposits | 102.0722% | 1,648 |
| Total domestic deposits to total assets | 78.7833% | 6,070 |
| Equity capital to assets | 8.2960% | 6,513 |
| Core capital (leverage) ratio | 8.1780% | 6,077 |
| Tier 1 risk-based capital ratio | 14.0606% | 3,789 |
| Total risk-based capital ratio | 15.3107% | 3,762 |
| Memoranda: | ||
| Average total assets | $199,912,000 | 3,140 |
| Average earning assets | $184,396,250 | 3,118 |
| Average equity | $16,533,750 | 3,720 |
| Average total loans | $161,587,750 | 2,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5927% | 2,163 |
| Cost of funding earning assets | 2.5074% | 170 |
| Net interest margin | 3.0853% | 6,640 |
| Noninterest income to average assets | 0.1992% | 6,478 |
| Noninterest expense to average assets | 2.2339% | 6,558 |
| Loan and lease loss provision to assets | 0.1438% | 5,461 |
| Net operating income to assets | 0.3964% | 4,773 |
| Return on assets (ROA) | 0.3983% | 4,922 |
| Pretax return on assets | 0.6759% | 4,325 |
| Return on Equity (ROE) | 4.8210% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.8210% | 2,999 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9641% | 3,665 |
| Assets per employee ($millions) | 6.2560% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 6,548 |
| Loan loss allowance to noncurrent loans | 71.6774% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.0566% | 2,329 |
| Noncurrent loans to loans | 1.3464% | 4,696 |
| Net loans and leases to total assets | 80.1691% | 768 |
| Net loans and leases to deposits | 102.0059% | 595 |
| Net loans and leases to core deposits | 107.3625% | 1,351 |
| Total domestic deposits to total assets | 78.5927% | 6,133 |
| Equity capital to assets | 8.3380% | 6,373 |
| Core capital (leverage) ratio | 8.2321% | 5,890 |
| Tier 1 risk-based capital ratio | 13.0993% | 4,361 |
| Total risk-based capital ratio | 14.3439% | 4,321 |
| Memoranda: | ||
| Average total assets | $198,841,670 | 3,182 |
| Average earning assets | $183,774,330 | 3,154 |
| Average equity | $16,428,000 | 3,729 |
| Average total loans | $163,694,670 | 2,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 2,213 |
| Cost of funding earning assets | 2.5187% | 216 |
| Net interest margin | 3.0672% | 6,673 |
| Noninterest income to average assets | 0.2019% | 6,521 |
| Noninterest expense to average assets | 2.2547% | 6,527 |
| Loan and lease loss provision to assets | 0.1272% | 5,304 |
| Net operating income to assets | 0.4024% | 4,826 |
| Return on assets (ROA) | 0.4037% | 4,969 |
| Pretax return on assets | 0.6661% | 4,352 |
| Return on Equity (ROE) | 4.9092% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.9092% | 3,204 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7575% | 3,609 |
| Assets per employee ($millions) | 5.9513% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,818 |
| Loan loss allowance to noncurrent loans | 55.3112% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 2.6381% | 2,759 |
| Noncurrent loans to loans | 1.6440% | 4,281 |
| Net loans and leases to total assets | 82.3431% | 549 |
| Net loans and leases to deposits | 105.2112% | 466 |
| Net loans and leases to core deposits | 110.6356% | 1,236 |
| Total domestic deposits to total assets | 78.2645% | 6,250 |
| Equity capital to assets | 8.3582% | 6,215 |
| Core capital (leverage) ratio | 8.2704% | 5,798 |
| Tier 1 risk-based capital ratio | 13.2242% | 4,190 |
| Total risk-based capital ratio | 14.4336% | 4,178 |
| Memoranda: | ||
| Average total assets | $198,166,000 | 3,237 |
| Average earning assets | $183,749,000 | 3,211 |
| Average equity | $16,296,000 | 3,780 |
| Average total loans | $164,513,500 | 2,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 2,325 |
| Cost of funding earning assets | 2.8782% | 332 |
| Net interest margin | 3.0016% | 6,644 |
| Noninterest income to average assets | 0.1733% | 6,837 |
| Noninterest expense to average assets | 2.3680% | 6,558 |
| Loan and lease loss provision to assets | 0.2753% | 5,212 |
| Net operating income to assets | 0.1292% | 5,115 |
| Return on assets (ROA) | 0.0470% | 5,404 |
| Pretax return on assets | 0.2039% | 4,998 |
| Return on Equity (ROE) | 0.5714% | 5,366 |
| Retained earnings to average equity (ytd only) | 0.5714% | 4,582 |
| Net charge-offs to loans | 0.0915% | 6,215 |
| Credit loss provision to net charge-offs | 347.3333% | 933 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,097 |
| Efficiency ratio | 79.4034% | 2,968 |
| Assets per employee ($millions) | 5.8806% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 6,961 |
| Loan loss allowance to noncurrent loans | 74.3590% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.1507% | 3,201 |
| Noncurrent loans to loans | 1.1524% | 5,028 |
| Net loans and leases to total assets | 82.2281% | 652 |
| Net loans and leases to deposits | 113.0762% | 286 |
| Net loans and leases to core deposits | 165.3834% | 282 |
| Total domestic deposits to total assets | 72.7192% | 7,183 |
| Equity capital to assets | 8.0910% | 6,471 |
| Core capital (leverage) ratio | 8.0045% | 6,182 |
| Tier 1 risk-based capital ratio | 12.8145% | 4,275 |
| Total risk-based capital ratio | 13.9533% | 4,297 |
| Memoranda: | ||
| Average total assets | $189,271,000 | 3,295 |
| Average earning assets | $176,704,600 | 3,256 |
| Average equity | $15,575,600 | 3,949 |
| Average total loans | $163,938,600 | 2,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 2,951 |
| Cost of funding earning assets | 2.9568% | 374 |
| Net interest margin | 2.8284% | 7,005 |
| Noninterest income to average assets | 0.2008% | 6,777 |
| Noninterest expense to average assets | 2.2064% | 6,957 |
| Loan and lease loss provision to assets | 0.1901% | 5,476 |
| Net operating income to assets | 0.1887% | 5,197 |
| Return on assets (ROA) | 0.0693% | 5,600 |
| Pretax return on assets | 0.2622% | 5,161 |
| Return on Equity (ROE) | 0.8384% | 5,546 |
| Retained earnings to average equity (ytd only) | 0.8384% | 4,831 |
| Net charge-offs to loans | 0.0400% | 6,346 |
| Credit loss provision to net charge-offs | 542.8571% | 724 |
| Earnings coverage of net charge-offs (x) | 18.2454% | 1,359 |
| Efficiency ratio | 77.4234% | 3,253 |
| Assets per employee ($millions) | 5.6582% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 7,242 |
| Loan loss allowance to noncurrent loans | 47.3645% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.3204% | 2,954 |
| Noncurrent loans to loans | 1.5976% | 4,236 |
| Net loans and leases to total assets | 86.3769% | 321 |
| Net loans and leases to deposits | 120.4845% | 195 |
| Net loans and leases to core deposits | 174.5971% | 226 |
| Total domestic deposits to total assets | 71.6913% | 7,252 |
| Equity capital to assets | 8.4016% | 6,383 |
| Core capital (leverage) ratio | 8.3044% | 5,826 |
| Tier 1 risk-based capital ratio | 13.0434% | 4,159 |
| Total risk-based capital ratio | 14.0789% | 4,244 |
| Memoranda: | ||
| Average total assets | $186,604,000 | 3,360 |
| Average earning assets | $174,464,500 | 3,316 |
| Average equity | $15,425,250 | 4,018 |
| Average total loans | $163,466,500 | 2,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7259% | 3,404 |
| Cost of funding earning assets | 3.0154% | 449 |
| Net interest margin | 2.7105% | 7,176 |
| Noninterest income to average assets | 0.2025% | 6,848 |
| Noninterest expense to average assets | 2.2071% | 7,035 |
| Loan and lease loss provision to assets | 0.1137% | 6,009 |
| Net operating income to assets | 0.1181% | 5,511 |
| Return on assets (ROA) | -0.0628% | 6,009 |
| Pretax return on assets | 0.1310% | 5,601 |
| Return on Equity (ROE) | -0.7642% | 6,043 |
| Retained earnings to average equity (ytd only) | -0.7642% | 5,419 |
| Net charge-offs to loans | -0.0049% | 7,524 |
| Credit loss provision to net charge-offs | -2,625.0000% | 7,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5941% | 2,951 |
| Assets per employee ($millions) | 5.7728% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 7,435 |
| Loan loss allowance to noncurrent loans | 37.4960% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 2,939 |
| Noncurrent loans to loans | 1.8553% | 3,725 |
| Net loans and leases to total assets | 86.8459% | 311 |
| Net loans and leases to deposits | 121.8290% | 204 |
| Net loans and leases to core deposits | 172.1431% | 296 |
| Total domestic deposits to total assets | 71.2851% | 7,330 |
| Equity capital to assets | 8.3536% | 6,262 |
| Core capital (leverage) ratio | 8.3233% | 5,754 |
| Tier 1 risk-based capital ratio | 13.2242% | 3,984 |
| Total risk-based capital ratio | 14.1911% | 4,101 |
| Memoranda: | ||
| Average total assets | $184,679,000 | 3,414 |
| Average earning assets | $172,513,670 | 3,360 |
| Average equity | $15,179,330 | 4,084 |
| Average total loans | $162,142,670 | 2,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 3,790 |
| Cost of funding earning assets | 3.0864% | 472 |
| Net interest margin | 2.6163% | 7,348 |
| Noninterest income to average assets | 0.1761% | 7,046 |
| Noninterest expense to average assets | 2.1390% | 7,037 |
| Loan and lease loss provision to assets | 0.1122% | 5,526 |
| Net operating income to assets | 0.2135% | 5,619 |
| Return on assets (ROA) | -0.3609% | 6,821 |
| Pretax return on assets | -0.2003% | 6,574 |
| Return on Equity (ROE) | -4.4288% | 6,930 |
| Retained earnings to average equity (ytd only) | -4.4288% | 6,478 |
| Net charge-offs to loans | -0.0100% | 7,274 |
| Credit loss provision to net charge-offs | -1,275.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3915% | 2,625 |
| Assets per employee ($millions) | 5.5755% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 7,489 |
| Loan loss allowance to noncurrent loans | 36.3487% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 2.2479% | 2,551 |
| Noncurrent loans to loans | 1.8827% | 3,435 |
| Net loans and leases to total assets | 87.1591% | 326 |
| Net loans and leases to deposits | 120.8070% | 270 |
| Net loans and leases to core deposits | 173.8665% | 297 |
| Total domestic deposits to total assets | 72.1474% | 7,190 |
| Equity capital to assets | 8.0157% | 6,782 |
| Core capital (leverage) ratio | 7.9942% | 6,458 |
| Tier 1 risk-based capital ratio | 12.7232% | 4,371 |
| Total risk-based capital ratio | 13.6793% | 4,515 |
| Memoranda: | ||
| Average total assets | $181,766,500 | 3,481 |
| Average earning assets | $170,165,500 | 3,422 |
| Average equity | $14,812,000 | 4,174 |
| Average total loans | $159,912,000 | 2,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 5,663 |
| Cost of funding earning assets | 3.4782% | 556 |
| Net interest margin | 2.4981% | 7,755 |
| Noninterest income to average assets | 0.2160% | 6,888 |
| Noninterest expense to average assets | 2.1735% | 7,042 |
| Loan and lease loss provision to assets | 0.1020% | 6,077 |
| Net operating income to assets | 0.1638% | 5,949 |
| Return on assets (ROA) | -1.2279% | 7,296 |
| Pretax return on assets | -1.1021% | 7,060 |
| Return on Equity (ROE) | -13.4156% | 7,515 |
| Retained earnings to average equity (ytd only) | -13.4156% | 7,364 |
| Net charge-offs to loans | 0.0662% | 5,827 |
| Credit loss provision to net charge-offs | 176.4706% | 2,872 |
| Earnings coverage of net charge-offs (x) | 6.7745% | 3,276 |
| Efficiency ratio | 84.6188% | 1,994 |
| Assets per employee ($millions) | 5.4407% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 7,519 |
| Loan loss allowance to noncurrent loans | 88.3838% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 3,679 |
| Noncurrent loans to loans | 0.7502% | 5,152 |
| Net loans and leases to total assets | 87.6141% | 404 |
| Net loans and leases to deposits | 123.3668% | 313 |
| Net loans and leases to core deposits | 174.5332% | 342 |
| Total domestic deposits to total assets | 71.0192% | 7,160 |
| Equity capital to assets | 8.2855% | 6,440 |
| Core capital (leverage) ratio | 8.2804% | 5,994 |
| Tier 1 risk-based capital ratio | 13.1352% | 4,040 |
| Total risk-based capital ratio | 14.0629% | 4,138 |
| Memoranda: | ||
| Average total assets | $176,396,800 | 3,456 |
| Average earning assets | $165,889,200 | 3,390 |
| Average equity | $16,145,400 | 3,902 |
| Average total loans | $154,136,600 | 2,855 |