Home > St. Edmond's Federal Savings Bank > Performance and Condition Ratios
St. Edmond's Federal Savings Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 5,120 |
| Cost of funding earning assets | 1.0612% | 1,614 |
| Net interest margin | 3.1332% | 5,947 |
| Noninterest income to average assets | 0.1654% | 6,395 |
| Noninterest expense to average assets | 3.6544% | 1,459 |
| Loan and lease loss provision to assets | 0.1680% | 3,293 |
| Net operating income to assets | -0.4954% | 6,824 |
| Return on assets (ROA) | -0.5132% | 6,864 |
| Pretax return on assets | -0.7535% | 6,916 |
| Return on Equity (ROE) | -6.1581% | 6,895 |
| Retained earnings to average equity (ytd only) | -6.1581% | 6,671 |
| Net charge-offs to loans | 0.6749% | 1,463 |
| Credit loss provision to net charge-offs | 41.0256% | 3,435 |
| Earnings coverage of net charge-offs (x) | -1.3654% | 4,580 |
| Efficiency ratio | 118.0662% | 240 |
| Assets per employee ($millions) | 6.5699% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 6,810 |
| Loan loss allowance to noncurrent loans | 33.9150% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 2.4135% | 2,450 |
| Noncurrent loans to loans | 2.2198% | 2,902 |
| Net loans and leases to total assets | 60.1967% | 3,624 |
| Net loans and leases to deposits | 65.7870% | 4,410 |
| Net loans and leases to core deposits | 66.4941% | 4,856 |
| Total domestic deposits to total assets | 91.5024% | 377 |
| Equity capital to assets | 8.3503% | 6,224 |
| Core capital (leverage) ratio | 8.2358% | 5,971 |
| Tier 1 risk-based capital ratio | 16.6860% | 2,822 |
| Total risk-based capital ratio | 17.6111% | 2,937 |
| Memoranda: | ||
| Average total assets | $304,730,000 | 2,136 |
| Average earning assets | $284,949,500 | 2,100 |
| Average equity | $25,397,500 | 2,631 |
| Average total loans | $184,910,000 | 2,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 5,287 |
| Cost of funding earning assets | 1.1676% | 2,232 |
| Net interest margin | 3.2700% | 5,900 |
| Noninterest income to average assets | 0.1989% | 6,079 |
| Noninterest expense to average assets | 2.5155% | 5,418 |
| Loan and lease loss provision to assets | 0.4811% | 2,201 |
| Net operating income to assets | 0.2050% | 5,578 |
| Return on assets (ROA) | 0.2288% | 5,640 |
| Pretax return on assets | 0.2916% | 5,578 |
| Return on Equity (ROE) | 2.9040% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.9040% | 4,175 |
| Net charge-offs to loans | 0.8711% | 1,992 |
| Credit loss provision to net charge-offs | 87.9382% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 4,754 |
| Efficiency ratio | 77.2201% | 2,708 |
| Assets per employee ($millions) | 6.6792% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,668 |
| Loan loss allowance to noncurrent loans | 31.9510% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 2,425 |
| Noncurrent loans to loans | 2.6244% | 2,487 |
| Net loans and leases to total assets | 60.1971% | 3,954 |
| Net loans and leases to deposits | 67.5750% | 4,499 |
| Net loans and leases to core deposits | 68.3062% | 4,988 |
| Total domestic deposits to total assets | 89.0820% | 1,488 |
| Equity capital to assets | 8.3188% | 6,331 |
| Core capital (leverage) ratio | 8.2379% | 5,941 |
| Tier 1 risk-based capital ratio | 16.8112% | 2,687 |
| Total risk-based capital ratio | 17.8515% | 2,748 |
| Memoranda: | ||
| Average total assets | $307,653,800 | 2,080 |
| Average earning assets | $287,766,400 | 2,039 |
| Average equity | $24,242,600 | 2,642 |
| Average total loans | $193,202,600 | 2,102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 5,256 |
| Cost of funding earning assets | 1.1998% | 2,317 |
| Net interest margin | 3.2985% | 5,862 |
| Noninterest income to average assets | 0.1971% | 6,186 |
| Noninterest expense to average assets | 2.4920% | 5,490 |
| Loan and lease loss provision to assets | 0.5567% | 1,766 |
| Net operating income to assets | 0.1837% | 5,746 |
| Return on assets (ROA) | 0.2227% | 5,773 |
| Pretax return on assets | 0.2803% | 5,748 |
| Return on Equity (ROE) | 2.8658% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.8658% | 4,642 |
| Net charge-offs to loans | 0.9496% | 1,700 |
| Credit loss provision to net charge-offs | 92.5793% | 3,682 |
| Earnings coverage of net charge-offs (x) | 1.3098% | 4,637 |
| Efficiency ratio | 75.9841% | 2,840 |
| Assets per employee ($millions) | 6.6107% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,717 |
| Loan loss allowance to noncurrent loans | 21.9873% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 2.5686% | 2,510 |
| Noncurrent loans to loans | 3.8805% | 1,722 |
| Net loans and leases to total assets | 63.5865% | 3,395 |
| Net loans and leases to deposits | 71.5872% | 4,049 |
| Net loans and leases to core deposits | 72.3690% | 4,664 |
| Total domestic deposits to total assets | 88.8238% | 1,537 |
| Equity capital to assets | 8.3573% | 6,434 |
| Core capital (leverage) ratio | 8.2607% | 6,037 |
| Tier 1 risk-based capital ratio | 16.2429% | 2,998 |
| Total risk-based capital ratio | 17.3206% | 3,043 |
| Memoranda: | ||
| Average total assets | $307,756,250 | 2,088 |
| Average earning assets | $287,599,750 | 2,048 |
| Average equity | $23,913,500 | 2,680 |
| Average total loans | $194,874,250 | 2,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 5,274 |
| Cost of funding earning assets | 1.2247% | 2,412 |
| Net interest margin | 3.3009% | 5,856 |
| Noninterest income to average assets | 0.1864% | 6,326 |
| Noninterest expense to average assets | 2.5885% | 5,229 |
| Loan and lease loss provision to assets | 0.5521% | 1,757 |
| Net operating income to assets | 0.1124% | 5,984 |
| Return on assets (ROA) | 0.1398% | 6,005 |
| Pretax return on assets | 0.1489% | 6,021 |
| Return on Equity (ROE) | 1.8451% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.8451% | 5,065 |
| Net charge-offs to loans | 1.0430% | 1,509 |
| Credit loss provision to net charge-offs | 83.9567% | 3,646 |
| Earnings coverage of net charge-offs (x) | 1.0217% | 4,527 |
| Efficiency ratio | 79.3925% | 2,486 |
| Assets per employee ($millions) | 6.6761% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 6,846 |
| Loan loss allowance to noncurrent loans | 22.0041% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 2.9596% | 2,264 |
| Noncurrent loans to loans | 3.6933% | 1,902 |
| Net loans and leases to total assets | 63.7076% | 3,530 |
| Net loans and leases to deposits | 72.1347% | 4,088 |
| Net loans and leases to core deposits | 72.9163% | 4,720 |
| Total domestic deposits to total assets | 88.3175% | 1,953 |
| Equity capital to assets | 7.8349% | 6,781 |
| Core capital (leverage) ratio | 8.0385% | 6,253 |
| Tier 1 risk-based capital ratio | 15.7740% | 3,094 |
| Total risk-based capital ratio | 16.7947% | 3,166 |
| Memoranda: | ||
| Average total assets | $308,977,330 | 2,083 |
| Average earning assets | $287,744,000 | 2,055 |
| Average equity | $23,413,330 | 2,711 |
| Average total loans | $194,823,670 | 2,130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 5,418 |
| Cost of funding earning assets | 1.2383% | 2,580 |
| Net interest margin | 3.2382% | 5,958 |
| Noninterest income to average assets | 0.2117% | 6,221 |
| Noninterest expense to average assets | 2.6730% | 4,949 |
| Loan and lease loss provision to assets | 0.4298% | 2,041 |
| Net operating income to assets | 0.1263% | 6,022 |
| Return on assets (ROA) | 0.0503% | 6,274 |
| Pretax return on assets | -0.0026% | 6,360 |
| Return on Equity (ROE) | 0.6756% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.6756% | 5,555 |
| Net charge-offs to loans | 0.7458% | 1,727 |
| Credit loss provision to net charge-offs | 92.2438% | 2,898 |
| Earnings coverage of net charge-offs (x) | 1.1717% | 3,777 |
| Efficiency ratio | 83.0393% | 2,074 |
| Assets per employee ($millions) | 6.4028% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 6,681 |
| Loan loss allowance to noncurrent loans | 20.2753% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 3.5372% | 1,924 |
| Noncurrent loans to loans | 4.4741% | 1,566 |
| Net loans and leases to total assets | 61.7747% | 3,903 |
| Net loans and leases to deposits | 69.7044% | 4,396 |
| Net loans and leases to core deposits | 70.2887% | 5,010 |
| Total domestic deposits to total assets | 88.6237% | 2,004 |
| Equity capital to assets | 7.5381% | 6,851 |
| Core capital (leverage) ratio | 7.9448% | 6,312 |
| Tier 1 risk-based capital ratio | 15.2487% | 3,291 |
| Total risk-based capital ratio | 16.3265% | 3,343 |
| Memoranda: | ||
| Average total assets | $309,916,000 | 2,096 |
| Average earning assets | $287,810,000 | 2,068 |
| Average equity | $23,089,500 | 2,736 |
| Average total loans | $193,611,000 | 2,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 5,855 |
| Cost of funding earning assets | 1.6965% | 1,620 |
| Net interest margin | 2.9865% | 6,751 |
| Noninterest income to average assets | 0.2504% | 6,008 |
| Noninterest expense to average assets | 2.5782% | 5,507 |
| Loan and lease loss provision to assets | 0.6709% | 2,463 |
| Net operating income to assets | -0.1764% | 6,083 |
| Return on assets (ROA) | 0.1391% | 5,626 |
| Pretax return on assets | 0.1689% | 5,558 |
| Return on Equity (ROE) | 1.9209% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.9209% | 4,516 |
| Net charge-offs to loans | 1.2598% | 1,782 |
| Credit loss provision to net charge-offs | 83.0196% | 5,445 |
| Earnings coverage of net charge-offs (x) | 0.5631% | 5,546 |
| Efficiency ratio | 84.9963% | 1,799 |
| Assets per employee ($millions) | 6.5104% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,715 |
| Loan loss allowance to noncurrent loans | 29.2315% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 3.4352% | 2,035 |
| Noncurrent loans to loans | 3.0864% | 2,470 |
| Net loans and leases to total assets | 62.0370% | 4,278 |
| Net loans and leases to deposits | 70.2840% | 4,782 |
| Net loans and leases to core deposits | 70.5644% | 5,389 |
| Total domestic deposits to total assets | 88.2662% | 2,085 |
| Equity capital to assets | 7.3639% | 6,962 |
| Core capital (leverage) ratio | 7.7948% | 6,444 |
| Tier 1 risk-based capital ratio | 14.9808% | 3,262 |
| Total risk-based capital ratio | 16.0583% | 3,322 |
| Memoranda: | ||
| Average total assets | $315,529,400 | 2,060 |
| Average earning assets | $294,024,200 | 2,022 |
| Average equity | $22,854,200 | 2,786 |
| Average total loans | $202,415,000 | 2,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 5,708 |
| Cost of funding earning assets | 1.7911% | 1,454 |
| Net interest margin | 2.9985% | 6,837 |
| Noninterest income to average assets | 0.2559% | 6,068 |
| Noninterest expense to average assets | 2.4235% | 5,958 |
| Loan and lease loss provision to assets | 0.6875% | 2,222 |
| Net operating income to assets | -0.0400% | 6,082 |
| Return on assets (ROA) | 0.2361% | 5,567 |
| Pretax return on assets | 0.3212% | 5,445 |
| Return on Equity (ROE) | 3.2727% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.2727% | 4,142 |
| Net charge-offs to loans | 1.4541% | 1,397 |
| Credit loss provision to net charge-offs | 73.2704% | 5,332 |
| Earnings coverage of net charge-offs (x) | 0.6721% | 5,371 |
| Efficiency ratio | 79.3513% | 2,444 |
| Assets per employee ($millions) | 6.7084% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 6,927 |
| Loan loss allowance to noncurrent loans | 16.0066% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 3.8928% | 1,812 |
| Noncurrent loans to loans | 5.2250% | 1,303 |
| Net loans and leases to total assets | 60.2778% | 4,852 |
| Net loans and leases to deposits | 68.5245% | 5,344 |
| Net loans and leases to core deposits | 68.7900% | 5,866 |
| Total domestic deposits to total assets | 87.9653% | 1,979 |
| Equity capital to assets | 7.6692% | 7,021 |
| Core capital (leverage) ratio | 7.6566% | 6,717 |
| Tier 1 risk-based capital ratio | 15.0502% | 3,230 |
| Total risk-based capital ratio | 16.0497% | 3,322 |
| Memoranda: | ||
| Average total assets | $316,287,000 | 2,087 |
| Average earning assets | $295,160,500 | 2,039 |
| Average equity | $22,814,750 | 2,828 |
| Average total loans | $204,111,250 | 2,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 5,344 |
| Cost of funding earning assets | 1.8431% | 1,464 |
| Net interest margin | 3.0676% | 6,684 |
| Noninterest income to average assets | 0.2519% | 6,109 |
| Noninterest expense to average assets | 2.3850% | 6,104 |
| Loan and lease loss provision to assets | 0.6953% | 2,088 |
| Net operating income to assets | 0.0273% | 6,044 |
| Return on assets (ROA) | 0.2780% | 5,417 |
| Pretax return on assets | 0.3970% | 5,236 |
| Return on Equity (ROE) | 3.9391% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.9391% | 3,573 |
| Net charge-offs to loans | 1.7061% | 1,094 |
| Credit loss provision to net charge-offs | 61.9263% | 5,168 |
| Earnings coverage of net charge-offs (x) | 0.6538% | 5,090 |
| Efficiency ratio | 76.4634% | 2,987 |
| Assets per employee ($millions) | 6.6712% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 7,144 |
| Loan loss allowance to noncurrent loans | 17.7927% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 2.9218% | 2,461 |
| Noncurrent loans to loans | 4.2197% | 1,768 |
| Net loans and leases to total assets | 64.3578% | 4,187 |
| Net loans and leases to deposits | 74.2125% | 4,642 |
| Net loans and leases to core deposits | 74.5044% | 5,389 |
| Total domestic deposits to total assets | 86.7210% | 2,693 |
| Equity capital to assets | 7.0296% | 7,339 |
| Core capital (leverage) ratio | 7.0323% | 7,171 |
| Tier 1 risk-based capital ratio | 13.3622% | 4,158 |
| Total risk-based capital ratio | 14.2872% | 4,364 |
| Memoranda: | ||
| Average total assets | $314,382,330 | 2,120 |
| Average earning assets | $293,846,330 | 2,067 |
| Average equity | $22,188,000 | 2,904 |
| Average total loans | $206,904,330 | 2,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 4,996 |
| Cost of funding earning assets | 1.8630% | 1,597 |
| Net interest margin | 3.1429% | 6,479 |
| Noninterest income to average assets | 0.2479% | 6,170 |
| Noninterest expense to average assets | 2.3515% | 6,245 |
| Loan and lease loss provision to assets | 0.6203% | 2,051 |
| Net operating income to assets | 0.1476% | 5,869 |
| Return on assets (ROA) | 0.3326% | 5,281 |
| Pretax return on assets | 0.4944% | 4,978 |
| Return on Equity (ROE) | 4.7033% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.7033% | 3,325 |
| Net charge-offs to loans | 2.1091% | 805 |
| Credit loss provision to net charge-offs | 44.3526% | 4,567 |
| Earnings coverage of net charge-offs (x) | 0.5996% | 4,490 |
| Efficiency ratio | 73.7118% | 3,619 |
| Assets per employee ($millions) | 6.4971% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 7,062 |
| Loan loss allowance to noncurrent loans | 26.0916% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 3,388 |
| Noncurrent loans to loans | 3.1702% | 2,529 |
| Net loans and leases to total assets | 65.7022% | 3,931 |
| Net loans and leases to deposits | 76.0690% | 4,400 |
| Net loans and leases to core deposits | 76.6140% | 5,176 |
| Total domestic deposits to total assets | 86.3719% | 2,949 |
| Equity capital to assets | 7.1326% | 7,313 |
| Core capital (leverage) ratio | 7.1589% | 7,140 |
| Tier 1 risk-based capital ratio | 13.3923% | 4,051 |
| Total risk-based capital ratio | 14.4169% | 4,186 |
| Memoranda: | ||
| Average total assets | $311,464,000 | 2,187 |
| Average earning assets | $291,574,500 | 2,135 |
| Average equity | $22,027,000 | 2,941 |
| Average total loans | $206,534,000 | 2,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4789% | 4,262 |
| Cost of funding earning assets | 2.5134% | 999 |
| Net interest margin | 2.9655% | 6,725 |
| Noninterest income to average assets | 0.1966% | 6,688 |
| Noninterest expense to average assets | 2.3417% | 6,624 |
| Loan and lease loss provision to assets | 0.4075% | 4,369 |
| Net operating income to assets | 0.1632% | 5,013 |
| Return on assets (ROA) | 0.1335% | 5,161 |
| Pretax return on assets | 0.1826% | 5,044 |
| Return on Equity (ROE) | 1.8617% | 4,960 |
| Retained earnings to average equity (ytd only) | 1.8617% | 3,794 |
| Net charge-offs to loans | 0.0972% | 6,161 |
| Credit loss provision to net charge-offs | 601.4778% | 492 |
| Earnings coverage of net charge-offs (x) | 9.3103% | 1,821 |
| Efficiency ratio | 78.7784% | 3,079 |
| Assets per employee ($millions) | 5.9820% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,799 |
| Loan loss allowance to noncurrent loans | 47.3620% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 4,026 |
| Noncurrent loans to loans | 2.3685% | 3,206 |
| Net loans and leases to total assets | 65.6268% | 4,253 |
| Net loans and leases to deposits | 78.4754% | 4,276 |
| Net loans and leases to core deposits | 83.9752% | 5,714 |
| Total domestic deposits to total assets | 83.6272% | 4,217 |
| Equity capital to assets | 7.0114% | 7,365 |
| Core capital (leverage) ratio | 7.0863% | 7,161 |
| Tier 1 risk-based capital ratio | 13.4870% | 3,829 |
| Total risk-based capital ratio | 14.7391% | 3,774 |
| Memoranda: | ||
| Average total assets | $299,614,800 | 2,218 |
| Average earning assets | $280,460,200 | 2,184 |
| Average equity | $21,486,000 | 3,014 |
| Average total loans | $208,873,000 | 2,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 4,278 |
| Cost of funding earning assets | 2.6649% | 873 |
| Net interest margin | 2.8642% | 6,927 |
| Noninterest income to average assets | 0.1734% | 6,973 |
| Noninterest expense to average assets | 2.3476% | 6,565 |
| Loan and lease loss provision to assets | 0.4138% | 3,839 |
| Net operating income to assets | 0.0957% | 5,476 |
| Return on assets (ROA) | 0.0386% | 5,672 |
| Pretax return on assets | 0.0355% | 5,640 |
| Return on Equity (ROE) | 0.5357% | 5,636 |
| Retained earnings to average equity (ytd only) | 0.5357% | 4,986 |
| Net charge-offs to loans | 0.1292% | 5,405 |
| Credit loss provision to net charge-offs | 453.6946% | 874 |
| Earnings coverage of net charge-offs (x) | 5.5517% | 2,792 |
| Efficiency ratio | 82.2576% | 2,549 |
| Assets per employee ($millions) | 5.9624% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,472 |
| Loan loss allowance to noncurrent loans | 60.6498% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.3879% | 4,319 |
| Noncurrent loans to loans | 1.5882% | 4,256 |
| Net loans and leases to total assets | 66.8534% | 4,228 |
| Net loans and leases to deposits | 80.1089% | 4,362 |
| Net loans and leases to core deposits | 87.1333% | 5,738 |
| Total domestic deposits to total assets | 83.4532% | 3,990 |
| Equity capital to assets | 7.0151% | 7,590 |
| Core capital (leverage) ratio | 7.0151% | 7,424 |
| Tier 1 risk-based capital ratio | 13.0430% | 4,160 |
| Total risk-based capital ratio | 14.2520% | 4,123 |
| Memoranda: | ||
| Average total assets | $296,752,250 | 2,250 |
| Average earning assets | $277,724,500 | 2,211 |
| Average equity | $21,405,000 | 3,041 |
| Average total loans | $209,476,750 | 2,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 3,922 |
| Cost of funding earning assets | 2.8500% | 692 |
| Net interest margin | 2.7790% | 7,054 |
| Noninterest income to average assets | 0.1498% | 7,194 |
| Noninterest expense to average assets | 2.3591% | 6,595 |
| Loan and lease loss provision to assets | 0.3975% | 3,535 |
| Net operating income to assets | 0.0215% | 5,779 |
| Return on assets (ROA) | -0.0547% | 5,998 |
| Pretax return on assets | -0.1279% | 6,028 |
| Return on Equity (ROE) | -0.7515% | 6,040 |
| Retained earnings to average equity (ytd only) | -0.7515% | 5,414 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8566% | 2,243 |
| Assets per employee ($millions) | 5.5951% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 6,796 |
| Loan loss allowance to noncurrent loans | 66.2553% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 4,178 |
| Noncurrent loans to loans | 1.3512% | 4,511 |
| Net loans and leases to total assets | 70.1446% | 3,669 |
| Net loans and leases to deposits | 84.8305% | 3,750 |
| Net loans and leases to core deposits | 92.9507% | 5,239 |
| Total domestic deposits to total assets | 82.6879% | 4,386 |
| Equity capital to assets | 7.1525% | 7,520 |
| Core capital (leverage) ratio | 7.2679% | 7,280 |
| Tier 1 risk-based capital ratio | 13.0407% | 4,118 |
| Total risk-based capital ratio | 14.1762% | 4,115 |
| Memoranda: | ||
| Average total assets | $292,320,670 | 2,301 |
| Average earning assets | $273,264,670 | 2,263 |
| Average equity | $21,290,000 | 3,063 |
| Average total loans | $209,538,000 | 2,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 3,825 |
| Cost of funding earning assets | 2.9461% | 689 |
| Net interest margin | 2.7500% | 7,090 |
| Noninterest income to average assets | 0.0731% | 7,689 |
| Noninterest expense to average assets | 2.2866% | 6,578 |
| Loan and lease loss provision to assets | 0.2894% | 3,639 |
| Net operating income to assets | 0.0505% | 6,129 |
| Return on assets (ROA) | -0.3473% | 6,812 |
| Pretax return on assets | -0.5541% | 6,863 |
| Return on Equity (ROE) | -4.7257% | 6,959 |
| Retained earnings to average equity (ytd only) | -4.7257% | 6,518 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4964% | 2,016 |
| Assets per employee ($millions) | 5.3992% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,908 |
| Loan loss allowance to noncurrent loans | 56.0620% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 4,472 |
| Noncurrent loans to loans | 1.5375% | 3,973 |
| Net loans and leases to total assets | 71.3221% | 3,398 |
| Net loans and leases to deposits | 88.3771% | 3,222 |
| Net loans and leases to core deposits | 97.3138% | 4,817 |
| Total domestic deposits to total assets | 80.7020% | 5,089 |
| Equity capital to assets | 7.3090% | 7,487 |
| Core capital (leverage) ratio | 7.3364% | 7,339 |
| Tier 1 risk-based capital ratio | 13.1288% | 4,102 |
| Total risk-based capital ratio | 14.2379% | 4,113 |
| Memoranda: | ||
| Average total assets | $290,211,500 | 2,331 |
| Average earning assets | $271,270,000 | 2,280 |
| Average equity | $21,330,000 | 3,069 |
| Average total loans | $209,364,500 | 2,276 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 4,853 |
| Cost of funding earning assets | 3.3017% | 925 |
| Net interest margin | 2.8352% | 7,276 |
| Noninterest income to average assets | 0.2146% | 6,897 |
| Noninterest expense to average assets | 2.5287% | 5,894 |
| Loan and lease loss provision to assets | 0.1944% | 4,933 |
| Net operating income to assets | 0.0938% | 6,126 |
| Return on assets (ROA) | 0.1425% | 5,822 |
| Pretax return on assets | 0.1984% | 5,735 |
| Return on Equity (ROE) | 1.7383% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.7383% | 4,169 |
| Net charge-offs to loans | 0.0612% | 5,906 |
| Credit loss provision to net charge-offs | 454.6296% | 966 |
| Earnings coverage of net charge-offs (x) | 7.6019% | 3,069 |
| Efficiency ratio | 88.6099% | 1,620 |
| Assets per employee ($millions) | 5.3493% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 7,224 |
| Loan loss allowance to noncurrent loans | 315.8103% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 4,576 |
| Noncurrent loans to loans | 0.2421% | 6,658 |
| Net loans and leases to total assets | 71.7905% | 3,633 |
| Net loans and leases to deposits | 97.0952% | 2,278 |
| Net loans and leases to core deposits | 107.1976% | 4,058 |
| Total domestic deposits to total assets | 73.9383% | 6,666 |
| Equity capital to assets | 7.3910% | 7,473 |
| Core capital (leverage) ratio | 7.4819% | 7,226 |
| Tier 1 risk-based capital ratio | 14.2148% | 3,440 |
| Total risk-based capital ratio | 15.2642% | 3,460 |
| Memoranda: | ||
| Average total assets | $252,581,000 | 2,538 |
| Average earning assets | $235,119,400 | 2,504 |
| Average equity | $20,709,800 | 3,132 |
| Average total loans | $176,549,200 | 2,542 |