Home > Stoneham Savings Bank > Performance and Condition Ratios
Stoneham Savings Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 5,278 |
| Cost of funding earning assets | 0.4601% | 4,171 |
| Net interest margin | 3.1993% | 5,002 |
| Noninterest income to average assets | 0.2307% | 5,780 |
| Noninterest expense to average assets | 2.6129% | 4,347 |
| Loan and lease loss provision to assets | 0.0245% | 4,520 |
| Net operating income to assets | 0.3000% | 5,611 |
| Return on assets (ROA) | 0.3000% | 5,728 |
| Pretax return on assets | 0.4729% | 5,436 |
| Return on Equity (ROE) | 2.9484% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,561 |
| Net charge-offs to loans | 0.0007% | 5,205 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,223.0301% | 29 |
| Efficiency ratio | 81.9659% | 1,829 |
| Assets per employee ($millions) | 10.9460% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1967% | 6,795 |
| Loan loss allowance to noncurrent loans | 13.5457% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 4,116 |
| Noncurrent loans to loans | 1.4520% | 2,988 |
| Net loans and leases to total assets | 54.5482% | 4,527 |
| Net loans and leases to deposits | 70.3478% | 3,738 |
| Net loans and leases to core deposits | 72.9076% | 3,983 |
| Total domestic deposits to total assets | 77.5407% | 5,966 |
| Equity capital to assets | 10.0673% | 3,811 |
| Core capital (leverage) ratio | 8.4064% | 5,855 |
| Tier 1 risk-based capital ratio | 15.0903% | 3,689 |
| Total risk-based capital ratio | 15.2896% | 4,349 |
| Memoranda: | ||
| Average total assets | $327,085,750 | 1,980 |
| Average earning assets | $294,389,250 | 2,019 |
| Average equity | $33,283,250 | 2,094 |
| Average total loans | $189,049,000 | 2,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 5,241 |
| Cost of funding earning assets | 0.4485% | 4,445 |
| Net interest margin | 3.2207% | 4,868 |
| Noninterest income to average assets | 0.2327% | 5,780 |
| Noninterest expense to average assets | 2.8011% | 3,673 |
| Loan and lease loss provision to assets | 0.0367% | 4,215 |
| Net operating income to assets | 0.1855% | 5,942 |
| Return on assets (ROA) | 0.1855% | 6,056 |
| Pretax return on assets | 0.2921% | 5,897 |
| Return on Equity (ROE) | 1.8167% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.8167% | 5,108 |
| Net charge-offs to loans | 0.0010% | 4,899 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 537.0000% | 80 |
| Efficiency ratio | 87.4609% | 1,286 |
| Assets per employee ($millions) | 6.0665% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1892% | 6,841 |
| Loan loss allowance to noncurrent loans | 12.6750% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 4,078 |
| Noncurrent loans to loans | 1.4928% | 3,067 |
| Net loans and leases to total assets | 57.9121% | 4,001 |
| Net loans and leases to deposits | 75.2603% | 2,980 |
| Net loans and leases to core deposits | 77.8747% | 3,311 |
| Total domestic deposits to total assets | 76.9491% | 6,134 |
| Equity capital to assets | 10.1665% | 3,704 |
| Core capital (leverage) ratio | 8.1778% | 6,028 |
| Tier 1 risk-based capital ratio | 14.3317% | 4,206 |
| Total risk-based capital ratio | 14.5263% | 4,879 |
| Memoranda: | ||
| Average total assets | $326,654,000 | 1,987 |
| Average earning assets | $293,850,670 | 2,020 |
| Average equity | $33,358,000 | 2,088 |
| Average total loans | $192,239,000 | 2,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6443% | 5,325 |
| Cost of funding earning assets | 0.4297% | 4,808 |
| Net interest margin | 3.2146% | 4,872 |
| Noninterest income to average assets | 0.2381% | 5,759 |
| Noninterest expense to average assets | 2.9731% | 3,076 |
| Loan and lease loss provision to assets | 0.0486% | 3,806 |
| Net operating income to assets | 0.0680% | 6,211 |
| Return on assets (ROA) | 0.0680% | 6,297 |
| Pretax return on assets | 0.1069% | 6,249 |
| Return on Equity (ROE) | 0.6648% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.6648% | 5,562 |
| Net charge-offs to loans | 0.0021% | 4,128 |
| Credit loss provision to net charge-offs | 4,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 302 |
| Efficiency ratio | 93.0097% | 906 |
| Assets per employee ($millions) | 5.2858% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1723% | 6,920 |
| Loan loss allowance to noncurrent loans | 13.4545% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 4,486 |
| Noncurrent loans to loans | 1.2809% | 3,636 |
| Net loans and leases to total assets | 58.8580% | 3,637 |
| Net loans and leases to deposits | 77.6124% | 2,398 |
| Net loans and leases to core deposits | 80.2825% | 2,779 |
| Total domestic deposits to total assets | 75.8358% | 6,379 |
| Equity capital to assets | 10.2630% | 3,841 |
| Core capital (leverage) ratio | 8.1378% | 6,004 |
| Tier 1 risk-based capital ratio | 14.0456% | 4,477 |
| Total risk-based capital ratio | 14.2269% | 5,186 |
| Memoranda: | ||
| Average total assets | $329,217,500 | 1,999 |
| Average earning assets | $296,024,000 | 2,031 |
| Average equity | $33,693,000 | 2,094 |
| Average total loans | $195,080,500 | 2,065 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 6,555 |
| Cost of funding earning assets | 0.3940% | 5,958 |
| Net interest margin | 2.9422% | 6,149 |
| Noninterest income to average assets | 1.4086% | 784 |
| Noninterest expense to average assets | 4.2312% | 740 |
| Loan and lease loss provision to assets | 0.0852% | 4,637 |
| Net operating income to assets | 0.3232% | 5,387 |
| Return on assets (ROA) | 0.3899% | 5,377 |
| Pretax return on assets | -0.1525% | 6,395 |
| Return on Equity (ROE) | 4.2785% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.2785% | 3,211 |
| Net charge-offs to loans | -0.0053% | 6,392 |
| Credit loss provision to net charge-offs | -2,840.0000% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8094% | 470 |
| Assets per employee ($millions) | 4.7930% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1493% | 6,976 |
| Loan loss allowance to noncurrent loans | 16.4430% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,123 |
| Noncurrent loans to loans | 0.9079% | 4,366 |
| Net loans and leases to total assets | 59.4604% | 3,689 |
| Net loans and leases to deposits | 80.7905% | 2,180 |
| Net loans and leases to core deposits | 83.5212% | 2,601 |
| Total domestic deposits to total assets | 73.5983% | 6,570 |
| Equity capital to assets | 10.2058% | 3,880 |
| Core capital (leverage) ratio | 7.9188% | 6,270 |
| Tier 1 risk-based capital ratio | 13.9270% | 4,426 |
| Total risk-based capital ratio | 14.0871% | 5,163 |
| Memoranda: | ||
| Average total assets | $333,168,200 | 1,933 |
| Average earning assets | $300,217,600 | 1,968 |
| Average equity | $30,360,800 | 2,227 |
| Average total loans | $189,698,000 | 2,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 6,858 |
| Cost of funding earning assets | 0.2163% | 6,912 |
| Net interest margin | 2.8685% | 6,412 |
| Noninterest income to average assets | 2.7398% | 279 |
| Noninterest expense to average assets | 4.2701% | 672 |
| Loan and lease loss provision to assets | 0.0839% | 4,565 |
| Net operating income to assets | 1.5746% | 906 |
| Return on assets (ROA) | 1.6238% | 886 |
| Pretax return on assets | 1.0202% | 3,636 |
| Return on Equity (ROE) | 18.3643% | 463 |
| Retained earnings to average equity (ytd only) | 18.3643% | 112 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8613% | 2,252 |
| Assets per employee ($millions) | 4.6550% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1174% | 7,099 |
| Loan loss allowance to noncurrent loans | 12.1598% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 5,350 |
| Noncurrent loans to loans | 0.9657% | 4,506 |
| Net loans and leases to total assets | 54.8157% | 4,618 |
| Net loans and leases to deposits | 72.3510% | 3,554 |
| Net loans and leases to core deposits | 74.6650% | 3,896 |
| Total domestic deposits to total assets | 75.7635% | 6,420 |
| Equity capital to assets | 10.6610% | 3,651 |
| Core capital (leverage) ratio | 8.1125% | 6,221 |
| Tier 1 risk-based capital ratio | 14.6962% | 4,050 |
| Total risk-based capital ratio | 14.8615% | 4,766 |
| Memoranda: | ||
| Average total assets | $333,781,750 | 1,956 |
| Average earning assets | $300,819,750 | 1,978 |
| Average equity | $29,513,000 | 2,296 |
| Average total loans | $187,888,000 | 2,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 7,013 |
| Cost of funding earning assets | 0.2294% | 6,972 |
| Net interest margin | 2.6680% | 6,749 |
| Noninterest income to average assets | 3.9569% | 184 |
| Noninterest expense to average assets | 4.8837% | 411 |
| Loan and lease loss provision to assets | 0.0803% | 4,597 |
| Net operating income to assets | 2.3286% | 226 |
| Return on assets (ROA) | 2.3625% | 250 |
| Pretax return on assets | 1.4333% | 2,075 |
| Return on Equity (ROE) | 28.6198% | 89 |
| Retained earnings to average equity (ytd only) | 28.6198% | 45 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7194% | 2,784 |
| Assets per employee ($millions) | 4.7265% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0733% | 7,175 |
| Loan loss allowance to noncurrent loans | 3.1780% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 3,894 |
| Noncurrent loans to loans | 2.3080% | 2,594 |
| Net loans and leases to total assets | 54.8067% | 4,661 |
| Net loans and leases to deposits | 73.0503% | 3,453 |
| Net loans and leases to core deposits | 75.9888% | 3,770 |
| Total domestic deposits to total assets | 75.0260% | 6,589 |
| Equity capital to assets | 10.2026% | 4,049 |
| Core capital (leverage) ratio | 7.9123% | 6,355 |
| Tier 1 risk-based capital ratio | 14.3844% | 4,186 |
| Total risk-based capital ratio | 14.4779% | 4,990 |
| Memoranda: | ||
| Average total assets | $336,425,000 | 1,938 |
| Average earning assets | $303,446,330 | 1,960 |
| Average equity | $27,771,000 | 2,414 |
| Average total loans | $190,908,000 | 2,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3176% | 7,212 |
| Cost of funding earning assets | 0.1997% | 7,105 |
| Net interest margin | 2.1179% | 7,127 |
| Noninterest income to average assets | 7.6510% | 90 |
| Noninterest expense to average assets | 7.0002% | 143 |
| Loan and lease loss provision to assets | 0.0712% | 4,509 |
| Net operating income to assets | 4.4637% | 53 |
| Return on assets (ROA) | 4.5219% | 55 |
| Pretax return on assets | 2.5519% | 312 |
| Return on Equity (ROE) | 62.0764% | 19 |
| Retained earnings to average equity (ytd only) | 62.0764% | 14 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6381% | 3,323 |
| Assets per employee ($millions) | 5.0421% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0321% | 7,236 |
| Loan loss allowance to noncurrent loans | 3.9500% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 5,756 |
| Noncurrent loans to loans | 0.8135% | 5,048 |
| Net loans and leases to total assets | 54.4455% | 4,648 |
| Net loans and leases to deposits | 74.2464% | 3,087 |
| Net loans and leases to core deposits | 77.7031% | 3,370 |
| Total domestic deposits to total assets | 73.3308% | 6,801 |
| Equity capital to assets | 9.7590% | 4,442 |
| Core capital (leverage) ratio | 7.6147% | 6,562 |
| Tier 1 risk-based capital ratio | 13.6918% | 4,687 |
| Total risk-based capital ratio | 13.7240% | 5,589 |
| Memoranda: | ||
| Average total assets | $336,847,000 | 1,941 |
| Average earning assets | $304,455,000 | 1,958 |
| Average equity | $24,537,500 | 2,706 |
| Average total loans | $194,334,000 | 2,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6826% | 4,320 |
| Cost of funding earning assets | 1.4942% | 736 |
| Net interest margin | 3.1884% | 6,130 |
| Noninterest income to average assets | 0.3919% | 4,685 |
| Noninterest expense to average assets | 4.1631% | 849 |
| Loan and lease loss provision to assets | 0.9864% | 964 |
| Net operating income to assets | -1.8074% | 6,992 |
| Return on assets (ROA) | -1.6956% | 6,978 |
| Pretax return on assets | -1.7923% | 6,975 |
| Return on Equity (ROE) | -29.1411% | 7,084 |
| Retained earnings to average equity (ytd only) | -29.1411% | 7,077 |
| Net charge-offs to loans | 1.6765% | 918 |
| Credit loss provision to net charge-offs | 93.6845% | 3,847 |
| Earnings coverage of net charge-offs (x) | -0.8772% | 6,169 |
| Efficiency ratio | 127.3847% | 250 |
| Assets per employee ($millions) | 3.4461% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 6,766 |
| Loan loss allowance to noncurrent loans | 29.8930% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 2.4115% | 2,522 |
| Noncurrent loans to loans | 2.6390% | 2,465 |
| Net loans and leases to total assets | 60.5571% | 3,881 |
| Net loans and leases to deposits | 77.7480% | 2,882 |
| Net loans and leases to core deposits | 81.7225% | 3,226 |
| Total domestic deposits to total assets | 77.8889% | 6,216 |
| Equity capital to assets | 4.7199% | 7,183 |
| Core capital (leverage) ratio | 2.6964% | 7,282 |
| Tier 1 risk-based capital ratio | 4.6366% | 7,257 |
| Total risk-based capital ratio | 5.5673% | 7,268 |
| Memoranda: | ||
| Average total assets | $353,393,400 | 1,831 |
| Average earning assets | $315,617,000 | 1,870 |
| Average equity | $20,562,000 | 3,060 |
| Average total loans | $221,954,400 | 1,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 4,730 |
| Cost of funding earning assets | 1.5700% | 664 |
| Net interest margin | 3.0632% | 6,463 |
| Noninterest income to average assets | 0.6892% | 2,673 |
| Noninterest expense to average assets | 4.0043% | 996 |
| Loan and lease loss provision to assets | 0.2425% | 3,579 |
| Net operating income to assets | -0.6742% | 6,745 |
| Return on assets (ROA) | -0.5500% | 6,708 |
| Pretax return on assets | -0.6770% | 6,724 |
| Return on Equity (ROE) | -9.0584% | 6,863 |
| Retained earnings to average equity (ytd only) | -9.0584% | 6,819 |
| Net charge-offs to loans | 0.0164% | 5,923 |
| Credit loss provision to net charge-offs | 2,332.1429% | 117 |
| Earnings coverage of net charge-offs (x) | -56.5392% | 6,171 |
| Efficiency ratio | 116.1196% | 346 |
| Assets per employee ($millions) | 3.5431% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,720 |
| Loan loss allowance to noncurrent loans | 34.1882% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.3233% | 1,912 |
| Noncurrent loans to loans | 3.3410% | 2,065 |
| Net loans and leases to total assets | 63.0745% | 3,494 |
| Net loans and leases to deposits | 82.3702% | 2,287 |
| Net loans and leases to core deposits | 86.9269% | 2,649 |
| Total domestic deposits to total assets | 76.5744% | 6,442 |
| Equity capital to assets | 5.9276% | 7,195 |
| Core capital (leverage) ratio | 3.9504% | 7,308 |
| Tier 1 risk-based capital ratio | 6.5064% | 7,271 |
| Total risk-based capital ratio | 7.7444% | 7,274 |
| Memoranda: | ||
| Average total assets | $359,034,250 | 1,814 |
| Average earning assets | $319,657,500 | 1,854 |
| Average equity | $21,798,750 | 2,904 |
| Average total loans | $226,959,500 | 1,840 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 4,859 |
| Cost of funding earning assets | 1.6502% | 569 |
| Net interest margin | 2.9769% | 6,648 |
| Noninterest income to average assets | 0.5435% | 3,525 |
| Noninterest expense to average assets | 3.9164% | 1,162 |
| Loan and lease loss provision to assets | 0.1926% | 3,997 |
| Net operating income to assets | -0.6991% | 6,816 |
| Return on assets (ROA) | -0.5817% | 6,765 |
| Pretax return on assets | -0.7700% | 6,809 |
| Return on Equity (ROE) | -9.5118% | 6,922 |
| Retained earnings to average equity (ytd only) | -9.5118% | 6,858 |
| Net charge-offs to loans | 0.0831% | 4,811 |
| Credit loss provision to net charge-offs | 367.7083% | 829 |
| Earnings coverage of net charge-offs (x) | -13.9688% | 5,835 |
| Efficiency ratio | 121.8300% | 327 |
| Assets per employee ($millions) | 3.7888% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 6,565 |
| Loan loss allowance to noncurrent loans | 34.8196% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 3.3191% | 2,001 |
| Noncurrent loans to loans | 2.6859% | 2,710 |
| Net loans and leases to total assets | 62.6804% | 3,749 |
| Net loans and leases to deposits | 80.7706% | 2,651 |
| Net loans and leases to core deposits | 85.6368% | 2,967 |
| Total domestic deposits to total assets | 77.6030% | 6,357 |
| Equity capital to assets | 5.6434% | 7,280 |
| Core capital (leverage) ratio | 3.8500% | 7,382 |
| Tier 1 risk-based capital ratio | 6.5688% | 7,334 |
| Total risk-based capital ratio | 7.6313% | 7,350 |
| Memoranda: | ||
| Average total assets | $366,514,330 | 1,786 |
| Average earning assets | $325,171,000 | 1,833 |
| Average equity | $22,414,330 | 2,827 |
| Average total loans | $231,026,670 | 1,841 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,707 |
| Cost of funding earning assets | 1.7690% | 421 |
| Net interest margin | 2.8896% | 6,778 |
| Noninterest income to average assets | 0.5482% | 3,526 |
| Noninterest expense to average assets | 3.7399% | 1,459 |
| Loan and lease loss provision to assets | 0.0557% | 5,307 |
| Net operating income to assets | -0.4529% | 6,779 |
| Return on assets (ROA) | -0.2720% | 6,647 |
| Pretax return on assets | -0.4219% | 6,703 |
| Return on Equity (ROE) | -4.2907% | 6,765 |
| Retained earnings to average equity (ytd only) | -4.2907% | 6,453 |
| Net charge-offs to loans | 0.0817% | 4,128 |
| Credit loss provision to net charge-offs | 108.3333% | 2,463 |
| Earnings coverage of net charge-offs (x) | -12.6250% | 5,066 |
| Efficiency ratio | 119.8476% | 345 |
| Assets per employee ($millions) | 3.9023% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 6,934 |
| Loan loss allowance to noncurrent loans | 29.0425% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 4.0191% | 1,663 |
| Noncurrent loans to loans | 2.7341% | 2,763 |
| Net loans and leases to total assets | 62.3978% | 3,776 |
| Net loans and leases to deposits | 80.6616% | 2,579 |
| Net loans and leases to core deposits | 85.2697% | 2,996 |
| Total domestic deposits to total assets | 77.3575% | 6,475 |
| Equity capital to assets | 6.4293% | 7,222 |
| Core capital (leverage) ratio | 4.0321% | 7,432 |
| Tier 1 risk-based capital ratio | 6.6547% | 7,390 |
| Total risk-based capital ratio | 7.5433% | 7,415 |
| Memoranda: | ||
| Average total assets | $373,592,000 | 1,764 |
| Average earning assets | $328,766,000 | 1,826 |
| Average equity | $23,679,000 | 2,676 |
| Average total loans | $235,067,500 | 1,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 4,374 |
| Cost of funding earning assets | 2.0448% | 512 |
| Net interest margin | 2.9937% | 6,742 |
| Noninterest income to average assets | 0.3874% | 4,996 |
| Noninterest expense to average assets | 3.9366% | 1,257 |
| Loan and lease loss provision to assets | 1.0607% | 1,518 |
| Net operating income to assets | -1.3119% | 6,836 |
| Return on assets (ROA) | -1.2533% | 6,831 |
| Pretax return on assets | -1.9051% | 6,996 |
| Return on Equity (ROE) | -18.9291% | 7,016 |
| Retained earnings to average equity (ytd only) | -18.9291% | 6,992 |
| Net charge-offs to loans | 4.0076% | 314 |
| Credit loss provision to net charge-offs | 38.3905% | 6,412 |
| Earnings coverage of net charge-offs (x) | -0.3377% | 6,385 |
| Efficiency ratio | 129.8218% | 318 |
| Assets per employee ($millions) | 3.8813% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 7,038 |
| Loan loss allowance to noncurrent loans | 24.2698% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 4.6884% | 1,405 |
| Noncurrent loans to loans | 3.1460% | 2,422 |
| Net loans and leases to total assets | 62.4632% | 4,180 |
| Net loans and leases to deposits | 80.1774% | 3,141 |
| Net loans and leases to core deposits | 85.3706% | 3,419 |
| Total domestic deposits to total assets | 77.9062% | 6,335 |
| Equity capital to assets | 6.2503% | 7,303 |
| Core capital (leverage) ratio | 4.0219% | 7,496 |
| Tier 1 risk-based capital ratio | 6.3964% | 7,463 |
| Total risk-based capital ratio | 7.2148% | 7,484 |
| Memoranda: | ||
| Average total assets | $399,816,200 | 1,652 |
| Average earning assets | $349,368,200 | 1,713 |
| Average equity | $26,472,400 | 2,420 |
| Average total loans | $275,652,400 | 1,621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 4,321 |
| Cost of funding earning assets | 2.0643% | 604 |
| Net interest margin | 3.0339% | 6,761 |
| Noninterest income to average assets | 0.8299% | 2,084 |
| Noninterest expense to average assets | 3.9820% | 1,063 |
| Loan and lease loss provision to assets | 1.3525% | 1,007 |
| Net operating income to assets | -1.1905% | 6,985 |
| Return on assets (ROA) | -1.1545% | 7,001 |
| Pretax return on assets | -1.7976% | 7,135 |
| Return on Equity (ROE) | -17.2096% | 7,164 |
| Retained earnings to average equity (ytd only) | -17.2096% | 7,142 |
| Net charge-offs to loans | 4.7570% | 195 |
| Credit loss provision to net charge-offs | 40.4115% | 6,009 |
| Earnings coverage of net charge-offs (x) | -0.1498% | 6,148 |
| Efficiency ratio | 113.3283% | 471 |
| Assets per employee ($millions) | 3.8812% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 6,444 |
| Loan loss allowance to noncurrent loans | 27.9359% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 5.5114% | 1,119 |
| Noncurrent loans to loans | 3.5423% | 2,217 |
| Net loans and leases to total assets | 66.5361% | 3,564 |
| Net loans and leases to deposits | 85.5606% | 2,429 |
| Net loans and leases to core deposits | 91.5836% | 2,863 |
| Total domestic deposits to total assets | 77.7649% | 6,303 |
| Equity capital to assets | 6.5712% | 7,419 |
| Core capital (leverage) ratio | 4.4736% | 7,593 |
| Tier 1 risk-based capital ratio | 6.5255% | 7,581 |
| Total risk-based capital ratio | 7.5255% | 7,594 |
| Memoranda: | ||
| Average total assets | $404,679,000 | 1,661 |
| Average earning assets | $353,550,500 | 1,718 |
| Average equity | $27,147,000 | 2,397 |
| Average total loans | $284,711,500 | 1,586 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 4,083 |
| Cost of funding earning assets | 2.0693% | 735 |
| Net interest margin | 3.1039% | 6,602 |
| Noninterest income to average assets | 1.0166% | 1,332 |
| Noninterest expense to average assets | 3.8996% | 1,185 |
| Loan and lease loss provision to assets | 0.7323% | 1,980 |
| Net operating income to assets | -0.4713% | 6,622 |
| Return on assets (ROA) | -0.4632% | 6,655 |
| Pretax return on assets | -0.8966% | 6,843 |
| Return on Equity (ROE) | -6.8605% | 6,826 |
| Retained earnings to average equity (ytd only) | -6.8605% | 6,727 |
| Net charge-offs to loans | 5.5386% | 163 |
| Credit loss provision to net charge-offs | 18.5318% | 5,871 |
| Earnings coverage of net charge-offs (x) | -0.0448% | 5,756 |
| Efficiency ratio | 103.7590% | 690 |
| Assets per employee ($millions) | 3.7670% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 7,202 |
| Loan loss allowance to noncurrent loans | 11.5470% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 7.7249% | 654 |
| Noncurrent loans to loans | 6.2537% | 990 |
| Net loans and leases to total assets | 69.9281% | 2,917 |
| Net loans and leases to deposits | 89.9850% | 1,855 |
| Net loans and leases to core deposits | 95.9319% | 2,444 |
| Total domestic deposits to total assets | 77.7108% | 6,337 |
| Equity capital to assets | 6.7607% | 7,420 |
| Core capital (leverage) ratio | 5.6226% | 7,538 |
| Tier 1 risk-based capital ratio | 7.8130% | 7,537 |
| Total risk-based capital ratio | 8.5232% | 7,585 |
| Memoranda: | ||
| Average total assets | $410,198,670 | 1,656 |
| Average earning assets | $357,613,330 | 1,711 |
| Average equity | $27,694,670 | 2,356 |
| Average total loans | $292,675,000 | 1,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 4,168 |
| Cost of funding earning assets | 2.0970% | 819 |
| Net interest margin | 3.0772% | 6,651 |
| Noninterest income to average assets | 0.8661% | 1,753 |
| Noninterest expense to average assets | 3.7753% | 1,362 |
| Loan and lease loss provision to assets | 0.5832% | 2,168 |
| Net operating income to assets | -0.2735% | 6,633 |
| Return on assets (ROA) | -0.2618% | 6,676 |
| Pretax return on assets | -0.8065% | 6,950 |
| Return on Equity (ROE) | -3.8796% | 6,815 |
| Retained earnings to average equity (ytd only) | -3.8796% | 6,483 |
| Net charge-offs to loans | 9.3759% | 64 |
| Credit loss provision to net charge-offs | 8.6646% | 5,058 |
| Earnings coverage of net charge-offs (x) | -0.0359% | 5,055 |
| Efficiency ratio | 105.8007% | 682 |
| Assets per employee ($millions) | 3.9292% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7700% | 7,202 |
| Loan loss allowance to noncurrent loans | 11.3561% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 7.6085% | 662 |
| Noncurrent loans to loans | 6.7806% | 900 |
| Net loans and leases to total assets | 70.8301% | 2,732 |
| Net loans and leases to deposits | 93.0337% | 1,472 |
| Net loans and leases to core deposits | 99.1521% | 2,220 |
| Total domestic deposits to total assets | 76.1338% | 6,734 |
| Equity capital to assets | 6.8936% | 7,413 |
| Core capital (leverage) ratio | 6.0592% | 7,571 |
| Tier 1 risk-based capital ratio | 8.2724% | 7,585 |
| Total risk-based capital ratio | 9.0680% | 7,642 |
| Memoranda: | ||
| Average total assets | $415,645,000 | 1,680 |
| Average earning assets | $360,328,500 | 1,740 |
| Average equity | $28,044,000 | 2,371 |
| Average total loans | $298,383,500 | 1,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4507% | 4,435 |
| Cost of funding earning assets | 2.6499% | 672 |
| Net interest margin | 2.8008% | 7,062 |
| Noninterest income to average assets | 0.4299% | 4,961 |
| Noninterest expense to average assets | 3.4558% | 2,506 |
| Loan and lease loss provision to assets | 2.4731% | 806 |
| Net operating income to assets | -2.0948% | 7,128 |
| Return on assets (ROA) | -2.0894% | 7,123 |
| Pretax return on assets | -3.0256% | 7,298 |
| Return on Equity (ROE) | -28.8002% | 7,386 |
| Retained earnings to average equity (ytd only) | -28.8002% | 7,365 |
| Net charge-offs to loans | 1.7745% | 1,412 |
| Credit loss provision to net charge-offs | 183.6728% | 2,230 |
| Earnings coverage of net charge-offs (x) | -0.4163% | 6,643 |
| Efficiency ratio | 118.4736% | 631 |
| Assets per employee ($millions) | 4.0640% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8300% | 904 |
| Loan loss allowance to noncurrent loans | 32.6538% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 9.4401% | 420 |
| Noncurrent loans to loans | 8.6668% | 545 |
| Net loans and leases to total assets | 70.1400% | 3,223 |
| Net loans and leases to deposits | 91.2454% | 2,006 |
| Net loans and leases to core deposits | 123.0748% | 1,707 |
| Total domestic deposits to total assets | 76.8697% | 6,514 |
| Equity capital to assets | 6.6054% | 7,536 |
| Core capital (leverage) ratio | 5.9316% | 7,644 |
| Tier 1 risk-based capital ratio | 8.1416% | 7,633 |
| Total risk-based capital ratio | 9.4113% | 7,647 |
| Memoranda: | ||
| Average total assets | $441,232,600 | 1,578 |
| Average earning assets | $388,393,200 | 1,623 |
| Average equity | $32,010,200 | 2,089 |
| Average total loans | $334,803,200 | 1,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4427% | 4,719 |
| Cost of funding earning assets | 2.7461% | 693 |
| Net interest margin | 2.6966% | 7,210 |
| Noninterest income to average assets | 0.6570% | 3,311 |
| Noninterest expense to average assets | 3.3082% | 2,889 |
| Loan and lease loss provision to assets | 2.9257% | 513 |
| Net operating income to assets | -2.1906% | 7,382 |
| Return on assets (ROA) | -2.1838% | 7,371 |
| Pretax return on assets | -3.1709% | 7,545 |
| Return on Equity (ROE) | -29.4766% | 7,595 |
| Retained earnings to average equity (ytd only) | -29.4766% | 7,585 |
| Net charge-offs to loans | 1.0297% | 1,916 |
| Credit loss provision to net charge-offs | 370.1854% | 1,094 |
| Earnings coverage of net charge-offs (x) | -0.3227% | 6,375 |
| Efficiency ratio | 107.5514% | 818 |
| Assets per employee ($millions) | 4.0936% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2598% | 521 |
| Loan loss allowance to noncurrent loans | 32.6139% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 10.2039% | 329 |
| Noncurrent loans to loans | 9.9951% | 397 |
| Net loans and leases to total assets | 75.3109% | 2,152 |
| Net loans and leases to deposits | 98.6675% | 1,248 |
| Net loans and leases to core deposits | 132.3964% | 1,313 |
| Total domestic deposits to total assets | 76.3279% | 6,520 |
| Equity capital to assets | 6.9437% | 7,621 |
| Core capital (leverage) ratio | 5.8645% | 7,822 |
| Tier 1 risk-based capital ratio | 7.9628% | 7,796 |
| Total risk-based capital ratio | 9.2384% | 7,809 |
| Memoranda: | ||
| Average total assets | $445,877,500 | 1,565 |
| Average earning assets | $396,191,750 | 1,618 |
| Average equity | $33,033,250 | 2,053 |
| Average total loans | $342,233,250 | 1,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 4,787 |
| Cost of funding earning assets | 2.8107% | 760 |
| Net interest margin | 2.6587% | 7,286 |
| Noninterest income to average assets | 1.0376% | 1,474 |
| Noninterest expense to average assets | 3.2590% | 3,118 |
| Loan and lease loss provision to assets | 1.0473% | 1,623 |
| Net operating income to assets | -0.5280% | 6,576 |
| Return on assets (ROA) | -0.5303% | 6,587 |
| Pretax return on assets | -0.9147% | 6,756 |
| Return on Equity (ROE) | -7.0195% | 6,801 |
| Retained earnings to average equity (ytd only) | -7.0195% | 6,559 |
| Net charge-offs to loans | 0.0012% | 6,617 |
| Credit loss provision to net charge-offs | 118,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 264 |
| Efficiency ratio | 95.2753% | 1,424 |
| Assets per employee ($millions) | 4.1871% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,177 |
| Loan loss allowance to noncurrent loans | 31.4754% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 6.7332% | 661 |
| Noncurrent loans to loans | 5.5638% | 1,037 |
| Net loans and leases to total assets | 74.8234% | 2,488 |
| Net loans and leases to deposits | 97.5486% | 1,596 |
| Net loans and leases to core deposits | 134.6543% | 1,281 |
| Total domestic deposits to total assets | 76.7037% | 6,396 |
| Equity capital to assets | 7.5680% | 7,210 |
| Core capital (leverage) ratio | 7.0131% | 7,528 |
| Tier 1 risk-based capital ratio | 9.2222% | 7,586 |
| Total risk-based capital ratio | 10.4786% | 7,575 |
| Memoranda: | ||
| Average total assets | $452,590,670 | 1,563 |
| Average earning assets | $401,317,330 | 1,614 |
| Average equity | $34,190,330 | 1,978 |
| Average total loans | $345,834,000 | 1,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 5,610 |
| Cost of funding earning assets | 2.8820% | 804 |
| Net interest margin | 2.4786% | 7,526 |
| Noninterest income to average assets | 0.8207% | 2,229 |
| Noninterest expense to average assets | 3.2457% | 2,809 |
| Loan and lease loss provision to assets | 0.2915% | 3,622 |
| Net operating income to assets | -0.3350% | 6,724 |
| Return on assets (ROA) | -0.3401% | 6,803 |
| Pretax return on assets | -0.5203% | 6,835 |
| Return on Equity (ROE) | -4.5063% | 6,939 |
| Retained earnings to average equity (ytd only) | -4.5063% | 6,490 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4836% | 916 |
| Assets per employee ($millions) | 4.2181% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,102 |
| Loan loss allowance to noncurrent loans | 20.2567% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 6.5632% | 556 |
| Noncurrent loans to loans | 5.6926% | 872 |
| Net loans and leases to total assets | 75.1345% | 2,469 |
| Net loans and leases to deposits | 98.2648% | 1,625 |
| Net loans and leases to core deposits | 136.3447% | 1,282 |
| Total domestic deposits to total assets | 76.4612% | 6,415 |
| Equity capital to assets | 7.3194% | 7,480 |
| Core capital (leverage) ratio | 7.0260% | 7,618 |
| Tier 1 risk-based capital ratio | 9.1020% | 7,733 |
| Total risk-based capital ratio | 10.2617% | 7,816 |
| Memoranda: | ||
| Average total assets | $452,781,500 | 1,564 |
| Average earning assets | $402,639,500 | 1,620 |
| Average equity | $34,174,000 | 1,989 |
| Average total loans | $346,556,500 | 1,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9889% | 5,600 |
| Cost of funding earning assets | 3.1673% | 1,293 |
| Net interest margin | 2.8215% | 7,294 |
| Noninterest income to average assets | 0.8327% | 2,336 |
| Noninterest expense to average assets | 2.9866% | 4,126 |
| Loan and lease loss provision to assets | 0.2436% | 4,475 |
| Net operating income to assets | 0.1559% | 5,968 |
| Return on assets (ROA) | -0.1319% | 6,386 |
| Pretax return on assets | -0.2716% | 6,437 |
| Return on Equity (ROE) | -1.5434% | 6,438 |
| Retained earnings to average equity (ytd only) | -1.5434% | 5,749 |
| Net charge-offs to loans | 0.0003% | 7,036 |
| Credit loss provision to net charge-offs | 105,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 1,826.0000% | 14 |
| Efficiency ratio | 86.8352% | 1,775 |
| Assets per employee ($millions) | 4.0910% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 5,572 |
| Loan loss allowance to noncurrent loans | 43.2110% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 3.8420% | 1,101 |
| Noncurrent loans to loans | 2.4441% | 2,241 |
| Net loans and leases to total assets | 76.2605% | 2,553 |
| Net loans and leases to deposits | 100.3955% | 1,802 |
| Net loans and leases to core deposits | 137.9064% | 1,378 |
| Total domestic deposits to total assets | 75.9600% | 6,250 |
| Equity capital to assets | 7.7786% | 7,122 |
| Core capital (leverage) ratio | 7.4313% | 7,281 |
| Tier 1 risk-based capital ratio | 9.2374% | 7,582 |
| Total risk-based capital ratio | 10.2567% | 7,776 |
| Memoranda: | ||
| Average total assets | $433,036,600 | 1,576 |
| Average earning assets | $395,283,200 | 1,575 |
| Average equity | $36,996,000 | 1,833 |
| Average total loans | $327,114,800 | 1,489 |